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Key Benefits

Pay premiums for only 7 years

Enjoy coverage until the age of 99.

Receive an annual cash coupon up to 4%¹

Of the sum assured during the policy term.

Receive 799%

Of the sum assured at policy maturity.

Potential to receive dividends²

from the end of policy year 2 until the end of the policy year following the date on which the Insured reaches the age of 98.

  • Receive a death benefit during the policy term of up to 700%³ of the sum assured.
  • Potential to receive Terminal Dividend4 upon policy termination, subject to the policy terms and conditions.
  • Easy to apply, no medical examination and no health questionnaire required.
  • Riders can be attached5
  • Tax deductible6



¹Receive an annual cash coupon of 2% of the Sum Assured from the end of policy years 2–7, 3% from the end of policy years 8–20, and 4% from policy year 21 onwards until the end of the policy year following the date on which the Insured reaches the age of 98.

²The payment of dividends and the dividend rate and/or amount are not guaranteed, and dividends may not be paid in certain years or circumstances. If the Company pays a dividend, the Company has discretion to determine the dividend rate and/or amount as it deems appropriate.

³From policy year 7 onwards.

4Terminal Dividend applies in the following cases: (1) If the Insured is still alive until the end of the policy, the Company will pay the Terminal Dividend to the Insured; (2) if the policy is surrendered from policy year 8 onwards, the Company will pay the Terminal Dividend to the Insured; or (3) if the Insured dies from policy year 8 onwards, the Company will pay the Terminal Dividend to the beneficiary. The dividend payment, dividend rate, and/or the amount of dividend are not guaranteed, and dividends may not be paid in certain years or circumstances.

⁵Underwriting is subject to the terms and conditions of the attached Rider under AIA Company Limited’s underwriting conditions.

6The basic premium is tax - deductible according to the Notification of the Director - General of the Revenue Department on Income Tax.

Additional Information

Requirements and Conditions

Insurable age: 15 days – 65 years
Coverage period: Until the policy anniversary on which the Insured reaches the age of 99
Premium payment period: 7 years
Sum Assured: 100,000 – 25,000,000 baht Subject to the rules and regulations of consideration of AIA Company Limited
Payment mode: Annually / Semi-annually / Quarterly / Monthly
Underwriting rules: No medical examination and no health questionnaire required (GIO) Subject to AIA Co., Ltd.’s underwriting criteria
Rider Attachment: Rider attachable, subject to AIA Co., Ltd.’s underwriting criteria

Premium

Standard annupremiumal rates for males and females per 1,000 baht of sum assured

 

Unit: Baht

Age (years)

Annual Premium Rate

15 Days – 10

869

11 – 20

889

21 – 30

909

31 – 40

949

41 – 50

979

51 – 65

999



Note: Premium rates are fixed throughout the policy term.

Estimated calculation of premium payment mode

 

  • Semi-annual premium = Annual premium x 0.51
  • Quarterly premium = Annual premium x 0.27
  • Monthly premium = Annual premium x 0.09
Coverage and Benefits

Coverage

Benefits
  • If death occurs during the policy period

Receive the following benefit, whichever amount is greater.

1.The percentage of the sum assured specified in the Policy Schedule or endorsement (if any), 
as follows:

 

Policy year of death

1

2

3

4

5

6

7
onwards

 

%

100

200

300

400

500

600

700

2. Cash surrender value

3. 101% of total premiums paid and received by the Company, less the total amount of  coupons paid by the Company (if any).

 

In the case that sum assured decreases while the policy is in force, premiums received and coupons paid (prior to the decrease in sum assured) will be reduced in the same proportion as the sum assured.

 

If the Insured dies during the policy year, the Company will calculate the premiums based on a full year premium.

2. If the Insured is still alive

  • Cash coupon

While the Insured is alive the Company will pay an annual cash coupon at the percentage of the sum assured specified in the policy or endorsement (if any), as follows:

 

End of policy year

% of Sum Assured

2 - 7

2

8 - 20

3

21 – The end of the policy year immediately following the date on which the Insured reaches the age of 98.

4

If the policy is converted to a reduced paid-up policy or extended term insurance, the Insured will not receive such cash coupons.
  • Maturity benefit

If the Insured is alive on the policy maturity date, the Company will pay 799% of the Sum Assured specified in the policy or endorsement (if any).

3. Policy Dividend
  • Dividend Payment

 

1. Annual Dividend 

The Company will pay annual dividends at the end of the policy year from policy year 2 until the end of the policy year immediately following the date on which the Insured reaches the age of 98, provided that the policy remains in force and the Insured is alive at the end of the policy year.

2. Terminal Dividend

  • If the Insured is still alive on the policy maturity date, the Company will pay the Terminal Dividend to the Insured or
  • If the policy is surrendered from policy year 8 onwards, the Company will pay the Terminal Dividend to the Insured or
  • If the Insured dies from policy year 8 onwards, the Company will pay the Terminal Dividend to the beneficiary. 

The dividend payment, dividend rate, and/or the amount of dividend are not guaranteed. There may be years when no dividend will be paid.

 

If the Company pays a dividend, it has the discretion to determine the dividend rate and/or amount that it considers appropriate.

 

However, if the policy is converted to either Extended Term Insurance (ETI) or Reduced Paid-Up (RPU), The Insured will not receive such policy dividends.

 

On the date any benefit under Items 1, 2, and 3 becomes payable, the Company shall have the right to deduct any outstanding liabilities (if any) from the benefit payable before payment is made.
How to apply

Seek consultation and advice for life insurance planning by contacting Bangkok Bank branches that offer this service, or call 1333

Assured by AIA Co., Ltd.

Notes

  • Be Together Save+ 799 (Par) is the marketing name of Be Together Save+ 799 (Participating).
  • If the premium is paid monthly, the first payment will include an advance payment of two months.
  • Insurance premiums are tax-deductible according to the Notification of the Director-General of the Revenue Department on Income Tax.
  • 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 termination.
  • The applicant is advised to study the details and product information in the prospectus before deciding to buy insurance.
  • Bangkok Bank is a life insurance broker, acting as an agent between customers and AIA Company Limited. AIA Company Limited conditions apply to insurance approval.
  • The applicant is required to disclose truthful information in the insurance application. Concealment of material facts or any false statement may entitle the insurer to void the insurance contract and deny payment of benefits under the insurance contract.
  • Underwriting is subject to the terms and conditions of AIA Co., Ltd.
  • Terms and conditions of coverage will be specified in the policy issued to the policyholder.
    • The English version is unofficial translation of the original Thai version for reference only and has no legal binding as the protective control.

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