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Short Premium Payment Term with High Return

With '7 Smart Plan' insurance saving program, rest assured of guaranteed benefit and increasing life coverage for your peace of mind during the contract period

Highlighted Benefits

  • Life coverage of 21 years 
  • Premium payment of 7 years 
  • Survival benefit of 2% of sum assured at the end of policy year 2 - 20
  • Maturity benefit of 212% of sum assured at the end of policy year 21
  • Additional benefit of 2% per annum for accumulated survival benefits which are deposited with the company until policy maturity
  • Riders attachable according to your needs, e.g. health, accident, and dread disease coverages 
  • Personal income tax deduction benefit up to THB 100,000 of premium, following the conditions of Thailand Revenue Department (Read more)

Life Coverage Benefit

In case of death before the end of contract, specifically within the policy year 1-5, the company will pay 100% of initial sum assured and increase to 175% for the policy year 6 and later.

Sample Offer

For Male, 35 years old

  • Initial life coverage THB 300,000 
  • Life coverage increased to THB 525,000 from policy year 6 onwards
  • Total premium paid THB 643,650 (2)
    • Annual premium THB 91,950
    • Premium payment period 7 years
  • Annual survival benefit THB 6,000 from the end of policy year 2 to 10, total THB 114,000 (1)
  • Maturity benefit at the end of policy year 21 THB 636,000 (3) 
  • Diff between total premium paid and total benefits (1+3)-(2) THB 106,350

*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 525,000 or cash surrender value or paid premium deducted by all cash coupons which have already received from policy benefit, depending whichever is the highest.

Example of premium Discount

Sum Assured (Baht)
Discount (Baht)
600,000 1,800
1,000,000 5,000
2,000,000 12,000


Preliminary Underwriting Guideline

  • Insured age: 1 month 1 day until 70 years old
  • Minimum sum assured: THB 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.

Let us help you with your life goals

Contact us to find out how we can help you achieve your insurance needs