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For better quality of life of your family

12TX insurance plan gives you long coverage until 90 years old of age with guaranteed living benefit maximum at 1,175% of initial sum assured, only 12-year premium payment, and long protection period for your loved ones.

Highlighted Benefits

  • Guaranteed benefit as another source of saving for you and the ones you love with maximum 1,175%*
    • Living benefit paid at 5% of initial sum assured for 7 times at the end of policy years 3, 6, 9, 12, 14, 15 and 16
    • Lump sum benefit paid at 50% of initial sum assured at the end of 13th policy year
    • Annual cash benefit paid at 6-10% of initial sum assured starting at the end of 17th policy year until insured age 89 years old (total 73 times*)
    • Maturity benefit paid at insured age 90 from 190% to 390% of initial sum assured*
  • Short premium payment period of 12 years only
  • Long coverage until 90 years old of age
  • Increased life coverage 10% from initial sum assured in every 3 policy years until insured age 90**
  • Tax benefit applicable on personal income following the conditions of Thailand Revenue Deparment (Read more)

Life Coverage Benefit

In case of death before the end of contract, the company will pay the amount of life coverage sum assured at that moment. The life coverage sum assured is increased 10% in every 3 policy years, starting from 100% up to 390% of initial sum assured

Sample Offer

For male, 31 days old

12 TX insurance

  • Initial life coverage of THB 300,000, and increased THB 30,000 every 3 policy years, total 29 times of increment or maximum at THB 1,170,000*
  • Total premium paid THB 1,167,624 (2)
    • Annual premium THB 97,302
    • Premium payment period 12 years
  • Living benefit of THB 15,000 paid 4 times, or total amount of THB 60,000 (1)
  • Lump sum benefit of  THB 150,000 paid at insured age 13 years old (3)
  • Annual cash benefit paid from insured age 14 until 89 years old, total amount of THB 2,145,000 (4)
    • Between age 14-16, cash benefit paid THB 15,000 per year and the benefit increased every 3 policy years
    • Maximum cash benefit of THB 30,000 per year paid at insured age 29 to age 89 years old
  • Maturiy benefit paid at insured age 90 with the amount of THB 1,170,000 (5)
  • Diff between premium paid and maximum benefit (1+3+4+5)-(2) THB 2,357,376

* In case of death before the end of contract, the company will pay the amount of sum assured at that moment starting from THB 300,000 up to THB 1,170,000 or cash surrender value or paid premium deducted by all cash coupons which have already received from policy benefit, depending on whichever is the highest.

Annual Premium Discount Example (Baht)

Sum Assured Discount
600,000 1,200
1,000,000 4,000
2,000,000 5,000

Preliminary Underwriting Guideline

  • Insured age: 31 days until 60 years old
  • Minimum sum assured: TH 100,000
  • Attach with specific riders according to underwriting guideline

Policy applicants should study, read, and comprehend about coverage details and conditions before deciding to purchase. Please find more information from policy contract. In addition, company underwriting guideline will be applied.

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