Smart Savings 12/4 short term savings plan

• Only 4 years of premium payment for 12 years of life coverage
• Increasing life coverage maximum to 400%* from 4th policy year onwards
• Guaranteed return of 1% – 4% to be paid at the end of the 4th, 6th, 8th, and 10th policy year respectively
• Maturity benefit of 435% paid at the end of the 12th policy year
• Easy to apply with no health declaration or medical check-up required
• Enjoy personal income tax deduction benefit up to THB 100,000 of paid premium following the conditions of Thailand Revenue Department (read more)
• Premium discount applied for sum assured from THB 50,000 or above

% shown above is percentage of initial sum assured.

In case of death during the 1^st – 3^rd policy year, the company will pay 100%*, 200%*, 300%* of initial sum assured respectively, and pay 400%* from the 4^th to 12^th policy year.

Remark: % of initial sum assured

* In case that surrender value or total premium paid for basic plan is more than the current sum assured at death, the company will pay death benefit equal to the highest amount to the beneficiary.

• Issued age: 31 days to 70 years old
• Minimum sum assured: THB 20,000 per policy
• Rider attachment not allowed

1. Non-disclosure or misrepresentation of any facts
2. Commit suicide within 1 year or intentionally being murdered by the beneficiary

Policy applicants should study, read, and comprehend about coverage details and conditions before deciding to purchase. The company's underwriting guideline will be applied. For more information, the insured can find from policy contract.