Plan highlights
High cover, light premium
Because it is pure protection, the premium is lighter than an endowment, so a large sum insured stays within a budget you can sustain
Looking after your family
If you die within the policy term, the full sum insured is paid to your beneficiary
19 years of cover
The policy term and the premium term are both 19 years, matching the period when you still carry responsibilities
Tax deductible
With a 19-year term (10 years or more), the premiums qualify for the deduction under Revenue Department rules
A sum insured from THB 500,000
The sum insured starts at THB 500,000 and increases in steps of THB 100,000, according to the cover you need
Suited to people carrying debt
Such as a mortgage or car loan, or anyone who is the main earner — so their family is not left carrying the load
Estimate the premium and cover
Choose gender, age and sum insured to see the annual premium and the life cover
Entry age 20–60 years
Minimum THB 500,000 · maximum THB 5,000,000
Life cover (death within the policy term)
500,000 THB
19 years of cover · the full sum insured is paid to the beneficiary
Annual premium
2,995
THB/year
Monthly average
250
THB (approx.)
Total premium over 19 years (paid annually) 56,905 THB — cover of up to 167× times the annual premium
Kum Sap (T) accepts annual premiums only · it is pure protection with no maturity benefit and no survival benefits. These figures are estimates for educational purposes; actual premiums and conditions follow the policy. Please confirm with an agent before deciding.
Tax deduction
Premiums on Kum Sap (T), which has a 19-year term (10 years or more), can be deducted from personal income tax under Revenue Department rules. The limits and conditions follow current tax law and your own circumstances.
Key conditions
- This is pure protection, with no maturity benefit and no survival benefits
- Annual premiums only (there is no semi-annual, quarterly or monthly option)
- The policy term and the premium term are both 19 years · entry age 20–60
- The sum insured starts at THB 500,000 and increases in steps of THB 100,000
- Cover ends at the end of the contract. To continue, a new policy must be taken out subject to the conditions and your age at that time
Frequently asked questions
Do I get money back if I outlive the 19 years?
No. Kum Sap (T) is pure protection, giving a high sum insured at an economical premium. If you outlive the term, the cover has simply run its course as agreed.
Why is the premium lower than an endowment?
Because the whole premium pays for protection, with no savings element to be returned later. That is what makes a large sum insured affordable.
Can I pay monthly?
Kum Sap (T) accepts annual premiums only. The "monthly average" figure in the calculator is simply the annual premium divided by 12 to give a sense of scale — it is not an actual payment option.
Are the premiums tax deductible?
Yes. Because the 19-year term is 10 years or more, the premiums qualify for the personal income tax deduction 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. Kum Sap (T) is pure protection with no maturity benefit and no survival benefits. The actual 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.