Plan highlights
150% of the sum insured at maturity
If you are living at maturity in year 20, you receive a lump sum of 1.5× the sum insured
Choose a premium term of 10 or 15 years
20 years of cover, with premiums over 20/10 (10 years) or 20/15 (15 years) to suit your budget and goal
Life cover alongside savings
Throughout the term your family is protected (paying the sum insured or the surrender value, whichever is greater)
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
Short premiums, long cover
Premiums run for just 10 or 15 years, while cover continues for a full 20 years
Estimate premiums and benefits
Choose a plan, gender, age and sum insured to see the premium and the maturity benefit
Entry age Newborn–70 years
Minimum THB 50,000 · maximum THB 1,000,000
Premium (paid for 10 years · sum insured THB 50,000)
Monthly
485
THB
Quarterly
1,455
THB
Semi-annual
2,803
THB
Annual
5,390
THB
Total premium over 10 years (paid annually) 53,900 THB
Maturity in year 20: 150% of the sum insured
75,000 THB
More than the premiums paid +21,100 THB
These figures are estimates for educational purposes. The maturity benefit of 150% of the sum insured is paid if you are living at the end of the contract (year 20) · tax relief is not included; actual premiums and benefits follow the policy. Please confirm with an agent before deciding.
Tax deduction
Premiums on TL Plan can be deducted from personal income tax under Revenue Department rules. It suits people saving over the medium term who want the deduction. The limits and conditions follow current tax law and your own circumstances.
Key conditions
- Policy term 20 years · premium term of 10 years (20/10) or 15 years (20/15)
- Entry age 1 month – 70 years · minimum sum insured THB 50,000
- The maturity benefit of 150% of the sum insured is paid if you are living at the end of the contract (year 20)
- On death, the policy pays 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
How much do I receive at maturity?
If you are living at maturity in year 20, you receive a lump sum of 150% (1.5×) of the sum insured.
How do 20/10 and 20/15 differ?
Both cover you for 20 years and pay 150% at maturity. They differ in the premium term — 20/10 runs for 10 years (a higher annual premium but finishes sooner), while 20/15 runs for 15 years (a lighter annual premium). Choose according to what you can afford.
Are there survival benefits during the term?
No. This plan focuses on the lump sum of 150% at maturity, with life cover along the way.
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.