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Key Benefits

Possible to choose premium payment terms

8 years or until a policy year in which the Insured reaches the age of 55 or 60

Receive a coupon every year 

when reaching a due date and maturity up to a maximum of 885% or 860%1 

Feel confident with whole life coverage

until the age of 99

Tax deductible2 

Life insurance premiums are tax-deductible, in line with Revenue Department conditions

Notes

1In total maximum of 885% of the sum assured when the Insured chooses to receive a coupon at the end of the policy year after the Insured reaches the age of 55, or in total maximum of 860% of the sum assured when the Insured chooses to receive a coupon at the end of the policy year after the Insured reaches the age of 60.

2The basic premium is tax-deductible up to 100,000 baht, according to the Notification of the Director-General of the Revenue Department on Income Tax (No. 172).

Additional Information

Coverage and Benefits

Coverage

Benefits

1. If death occurs during the policy period

The Company will pay benefits in whichever amount is greater between:

  • Sum assured

Policy year 1- 4

100% of the sum assured

Policy year 5 onward

200% of the sum assured

or

  • Cash surrender value, or
  • 105% of total paid premium that the Company has received minus the amount of total coupon fees paid by the Company (if any). In the case that sum assured is decreased while the policy is in force, premiums received prior to the decrease in sum assured will be reduced in the same proportion.
  • If the Insured dies during the policy year, the Company will calculate the premiums based on a full year premium.

 

2. Cash coupon
  • Receive coupon at the end of the policy year after the Insured reaches the age of 55

    Policy year after the Insured reaches the age of (years)

    Cash coupon
    (Of the sum assured)

    55 – 59

    5%

    60 – 70

    10%

    71 – 80

    15%

    81 – 90

    20%

    91 - 98

    25%
  • Receive a coupon at the end of the policy year after the Insured reaches the age of 60

Policy year after the Insured reaches the age of (years)

Cash coupon
(Of the sum assured)

60 – 70

10%

71 – 80

15%

81 – 90

20%

91 - 98

25%

If the policy status is changed to RPU or ETI, the Insured will not receive a coupon as mentioned above.

3. If no death occurs during the policy period

200% of the sum assured

Requirements

Insurable age:

  • 15 days – 45 years: receive a coupon at the end of the policy year after the Insured reaches the age of 55 onward
  • 15 days – 50 years: receive a coupon at the end of the policy year after the Insured reaches the age of 60 onward

Coverage period: until the age of 99
Premium payment period: 8 years or until a policy year in which the Insured reaches the age of 55 or 60
Minimum sum assured: 100,000 baht – no limits (Subject to underwriting guidelines of AIA Company Limited)
Payment mode: Annually / Semi–annually / Quarterly / Monthly

Premium rates
Standard insurance premium rates per sum assured of 1,000 baht (depending on gender, age, and payment mode)

Premium Payment Period

Age of 15 days – 45 years

Annual Premium (baht)

Age of 15 days – 50 years

Annual Premium (baht)

Female/ male

Female/ male

8 years

131.72 – 436.83

124.21 – 470.64

Until a policy year in which the Insured reaches the age of 55

35.91 – 358.52

-

Until a policy year in which the Insured reaches the age of 60

-

32.65 – 386.27

Estimated calculation of premium payment mode

  • Semi-annually = Annual premium rate x 0.51
  • Quarterly = Annual premium rate x 0.27
  • Monthly = Annual premium rate x 0.09
Riders

Additional peace of mind with riders attached

  • Medical coverage and daily compensation
  • Critical illnesses coverage
  • Accident coverage
  • Financial stability coverage with a waiver of premiums

Click here to view more details

 
How to apply
Seek consultation and advice for life insurance planning by contacting Bangkok Bank branches that offer this service, or call 1333
AIA Company Limited Tel. 0 2353 8855 www.aia.co.th
 
Assured by AIA Company Limited

Notes
  • Be Together Smart Saving is the marketing name of BBL Smart Saving.
  • If the premium is paid monthly, the first payment will include an advance payment of two months.
  • Life insurance premiums are tax-deductible, in line with Revenue Department conditions.
  • Life insurance is not a bank deposit. If you terminate your policy early, you may receive returns less than the paid premiums, subject to the time of policy surrender.
  • The applicant is advised to study the details and product information in the prospectus before deciding to buy insurance. After receiving the policy, the Insured is advised to study the terms and conditions in the policy contract.
  • Bangkok Bank is a life insurance broker, acting as an agent between customers and AIA Company Limited. AIA Company Limited conditions apply to insurance underwriting.
  • A health declaration is one of the factors considered in the insurance underwriting or payout approval process.
  • A health check-up is under AIA Company Limited conditions.
  • The applicant has the duty to provide true information in applying for insurance. Any concealment of truth or declaration of false statements may cause the insurance company to cancel the insurance contract or refuse to pay the claims under the insurance contract.
  • Terms and conditions of coverage will be specified in the policy issued to the policyholder.
  • The English version is an unofficial translation of the original Thai version for reference only and has no legal binding as the protective control.
     

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