Smart Savings 12/4 short term savings plan

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Easy to apply with short term payment and guaranteed return.

Your short-term financial planning can be achieved with ‘Smart Savings 12/4’, which offers guaranteed return and increasing life coverage over the policy contract period. It is easy to apply with no health declaration and medical check-up required. Besides, this product is tax deductible.


Highlighted Benefits

  • 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.

Life Coverage Benefit

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

Benefit and Coverage Diagram

Benefit of Smart Savings 12/4 savings insurance plan diagram

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.

Preliminary Underwriting Guideline

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

Exclusions of insurance coverage

  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.

Let us help you with your life goals

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