Plan highlights
2% back every year
2% of the sum insured a year, from the end of policy year 2 to year 19 (36% of the sum insured in total)
110% at maturity
If you are living at maturity in year 20, you receive 110% of the sum insured (100% plus a 10% return)
A chance of a dividend
This is a participating plan and may pay a dividend based on the insurer's declared performance (not guaranteed)
146% in total guaranteed benefits
36% paid during the term plus 110% at maturity gives total guaranteed living benefits of 146% of the sum insured (before any dividend)
Tax deductible
Life insurance premiums are deductible from personal income tax under Revenue Department rules
A sum insured from just THB 50,000
Open to ages 1 month – 65 years, with a sum insured starting at just THB 50,000
Estimate premiums and benefits
Choose gender, age and sum insured to see the premium and the living benefits
Entry age Newborn–65 years
Minimum THB 50,000 · maximum THB 1,000,000
Premium (paid for 20 years · sum insured THB 50,000)
Monthly
320
THB
Quarterly
959
THB
Semi-annual
1,846
THB
Annual
3,550
THB
Total premium over 20 years (paid annually) 71,000 THB
Living benefits (guaranteed)
Total guaranteed living benefits (146% of the sum insured)
73,000 THB
+ any dividend declared by the insurer (not guaranteed)
These figures are estimates for educational purposes. The survival benefits and the maturity amount are the guaranteed portion, while the dividend is not guaranteed · on death the policy pays the sum insured (or the surrender value, whichever is greater) · 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 can be deducted from personal income tax under Revenue Department rules. It suits people saving over the long term who want money back every year while claiming the deduction. The limits and conditions follow current tax law and your own circumstances.
Key conditions
- Policy term 20 years · premium term 20 years
- Entry age 1 month – 65 years · minimum sum insured THB 50,000
- Survival benefit of 2% of the sum insured a year, from the end of policy year 2 to year 19
- At maturity (year 20) you receive 110% of the sum insured (100% plus a 10% return), together with any dividend declared by the insurer
- This is a participating plan, and the dividend is not guaranteed — it depends on performance
- On death, the policy pays the sum insured or the surrender value, whichever is greater
Frequently asked questions
When do I receive money back?
2% of the sum insured on each policy anniversary, from the end of year 2 to year 19 (18 payments, 36% of the sum insured), and 110% of the sum insured at maturity in year 20.
What do the benefits come to in total?
Total guaranteed living benefits of 146% of the sum insured (36% during the term plus 110% at maturity), together with any dividend declared by the insurer, which is not guaranteed.
Am I certain to receive a dividend?
The dividend depends on the insurer's performance and is not guaranteed. The survival benefits and the maturity amount are the guaranteed portion.
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. This is a participating plan and the dividend is not guaranteed. 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.