Plan highlights
Long-term saving over 20 years
A 20/20 plan — 20 years of cover and premiums, with money back along the way and a lump sum at maturity
Money back every year during the term
1% of the sum insured a year, from the end of policy year 2 until the year before maturity
120% at maturity
At maturity you receive 100% of the sum insured plus a further 20% (120% of the sum insured in total)
Life cover alongside savings
Throughout the term your family is protected by life cover — this is more than saving alone
Tax deductible
Life insurance premiums are deductible under Revenue Department rules
A sum insured from just THB 50,000
Open to ages 1 month – 70 years, with a sum insured starting at just THB 50,000
Estimate premiums and benefits
Choose a plan, gender, age and sum insured to see the premium and the living benefits
Entry age Newborn–70 years
Minimum THB 50,000 · maximum THB 1,000,000
Premium (20/20 plan · paid for 20 years · sum insured THB 50,000)
Monthly
295
THB
Quarterly
884
THB
Semi-annual
1,703
THB
Annual
3,275
THB
Total premium over 20 years (paid annually) 65,500 THB
Living benefits (guaranteed)
Total guaranteed living benefits (138% of the sum insured)
69,000 THB
These figures are estimates for educational purposes. The survival benefits and the maturity amount (120%) are the guaranteed portion · tax relief is not included; actual premiums and benefits follow the policy. Please confirm with an agent before deciding.
Tax deduction
Premiums on Sap Panphol 1 can be deducted from personal income tax under Revenue Department rules. It suits people saving over the long term who want the deduction. The limits and conditions follow current tax law and your own circumstances.
Key conditions
- Policy and premium term of 20 years (a 20/20 plan)
- Entry age 1 month – 70 years · minimum sum insured THB 50,000
- The survival benefits and the maturity amount (120%) are the guaranteed portion
- Life cover applies throughout the term (paying the sum insured or the surrender value, whichever is greater)
- Surrendering the policy before maturity may return less than the premiums paid
Frequently asked questions
When do I receive money back?
1% of the sum insured at the end of every policy year from year 2 until the year before maturity, and at maturity the sum insured plus a further 20% (120% in total). All of this is the guaranteed portion.
What does 20/20 mean?
It means 20 years of cover and 20 years of premiums. At the end of the 20 years you receive a lump sum of 120% of the sum insured.
Are the premiums tax deductible?
Yes, under Revenue Department rules. We recommend checking the current criteria and limits before claiming.
This page is produced by an independent life insurance agent for general education. It is not an official page of any insurer. The actual benefits, premiums and conditions follow the policy and the sales documents. Tax deductions follow Revenue Department rules and your own circumstances. Please consult an agent before deciding.