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Enjoy with Guaranteed Annual Pension Payouts for Your Happy Life after Retirement

Will you have adequate income after retirement? Uncertain income and daily expenses could more or less disturb you. With Happy Annuity, you will have fixed income from guaranteed annual pension payouts to make you live your life with worry free as you plan.

Highlighted Benefits

  • Life coverage until age 55
  • Premium payment period of 15 years or until age 55
  • Annual pension 16% of sum assured starting at age 55 until 85 years old
  • Guaranteed pension payout 20 times, in case of death before receiving the pension for 20 times
  • Riders attachable according to your needs, e.g. health, accident, and dread disease coverages
  • Personal income tax deduction benefit up to THB 200,000 of life premium of pension plan, following the conditions of Thailand Revenue Department (Read more)

Life Coverage Benefit

In case of death before age 55, the company will pay the benefit as indicated below:

Policy year 

Percentage of initial sum assured 









21 onwards 


Sample Offer

For Male, 40 years old

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  • Starting life coverage THB 300,000 
  • During policy year 6-10, life coverage increased to THB 450,000 
  • During policy year 11-15, life coverage increase to THB 600,000 
  • Total premium THB 843,750 (2) 
    • Annual premium THB 56,250 
    • Premium payment period 15 years 
  • Annual pension THB 48,000 to be paid at insured age 55 until age 85, total 31 times maximum with value of THB 1,488,000 (1) 
  • Guaranteed pension payout 20 times, in case of death before receiving the pension for 20 times* 
  • Diff between total premium paid and pension benefit (1)-(2) THB 644,250 


Remark: Life coverage 
In case of death before age 55, the company will pay the life coverage benefit at that particular moment, starting from THB 300,000 up to THB 600,000. 


Premium Discount Example

Sum Assured (Baht) 

Discount (Baht) 






Preliminary Underwriting Guideline 

  • Insured age: 25-50 years old, for premium payment until age 55
  • Insured age: 25-40 years old, for premium payment of 15 years  
  • Minimum sum assured: THB 100,000


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

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