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Key Benefits

Premium Payment Terms

8, 12 or 16 years and preferred rate discount* if you have preferred health conditions

Coverage Period

Until the age of 99

Free Extra Coverage

Accidental Death Benefit (ADB) and Terminal Illness Benefit (TI)

Tax Deductible

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

*If the medical check-up result is preferred per the Company’s rules, the prospect policyholder will be entitled to a preferred rate discount. Please note that the preferred rate discount varies between the age of 18 to 75 and depends on your gender.

**The 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).

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Additional Information

Coverage and Benefits

Coverage

Benefits

1. If death occurs during the policy period

Receive the following benefit, whichever amount is greater:
1. 100% of the sum assured
2. Cash surrender value
3. Accumulated basic premium the Company has received. 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. If no death occurs during the policy period

Receive the following benefit, whichever amount is greater:
1. 100% of the sum assured
2. Cash surrender value
3. Accumulated basic premium the Company has received. 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

Accidental Death Benefit (ADB) Rider

Accidental death

If the Insured is injured due to an accident and dies from the injury sustained in that accident within 180 days from the date the accident occurs, the Insured will receive an accidental death benefit equal to 100% of the sum assured from the rider.

Terminal Illness Benefit (TI) Rider

Terminal illness

If the Insured is first diagnosed and/or confirmed by a specialized medical practitioner that their sickness or injury will place the Insured in a terminal illness condition, the Insured will receive the following:
1. Terminal illness benefit
•  Receive a terminal illness benefit corresponding to the death benefit of a basic plan to which this rider is attached. The sum assured of this rider will be paid in proportion to the sum assured of basic plan.
•  If the terminal illness benefit is paid out, the sum assured of the life insurance policy will be reduced by the amount of the sum assured of this rider which will also reduce of benefits in the life insurance policy.

Before the benefit is paid out, the company has the right to deduct any outstanding liabilities (if any).

2. Waiver of premium benefit
The Company will waive the basic premium if the company has paid the terminal illness benefit as above.

Other riders attached to this policy (if any) will still be in force as long as premium payments on these riders continue.

Note: Terminal illness is a diagnosis result or major injury that cannot be cured and consists of all the following conditions:
  1. An illness condition diagnosed by a medical practitioner with no specific treatment plan for its condition.
  2. A treatment plan that can only reduce the pain or symptoms of the Insured’s last life stage.
  3. The Insured is diagnosed with having last 12 months to live from the date of diagnosis by a specialized medical practitioner.
Requirements
  • Insurable age: 15 days - 75 years
  • Coverage period: Whole life (until the age of 99)
  • Premium payment period: 8, 12 or 16 years
  • Sum assured

    • Policy / Riders

    Sum Assured (baht)

    1. Be Together Legacy+ Life Insurance

    10,000,000 - 500,000,000 baht
    The sum assured limit is aggregated with Be Together Unit Linked, Be Together Legacy Life Insurance and Accidental Death Benefit Rider and other insurance limits under AIA’s conditions not exceeding 1,000,000,000 baht.

    2. Accidental Death Benefit (ADB) Rider

    100% of the sum assured of Be Together Legacy+ Life Insurance

    3. Terminal Illness Benefit (TI) Rider

    90% of the sum assured of Be Together Legacy+ Life Insurance
    • 100,000,000 baht for the Insured age from 15 days - 59 years
    • 50,000,000 baht for the Insured age from 60-75 years

  • Payment mode: Annually / Semi–annually / Quarterly / Monthly
    (If the premium is paid monthly, the first payment will include an advanced payment of two months.)
Premium Rates
Standard insurance premium rates per sum assured of 1,000 baht for the age of 15 days to 75 years (depending on gender, age, and payment mode)

Premium Payment Period

Annual Premium (baht)

Female

Male

8 years

20.59 - 149.21

25.90 - 166.75

12 years

14.78 - 117.67

18.80 - 126.94

16 years

12.21 - 105.48

14.82 - 120.60

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

Preferred Rate Discount

If the medical check-up result is preferred per the Company’s rules, the prospect policyholder will be entitled to a preferred rate discount.

Preferred Rate Criteria

Details

The prospect will be entitled to a preferred rate discount (Preferred Rate)

Age

18 to 75 years

Tobacco Use

1. No tobacco or nicotine products usage for last two years. Occasional cigar smoker may qualify if he/she smokes fewer than two cigars per month
2. Micro urinalysis is negative of nicotine

Alcohol and Substance Usage

No history of alcohol or drug abuse or treatment within the last 10 years

Blood Pressure

Age below 59 years old: Blood pressure is up to 150/90
Age above 60 years old: Blood pressure is up to 155/90

The Company will consider blood pressure results from an average of 6 months.

The above conditions will be applied to the prospect who is under treatment or nontreatment for high blood pressure.

Family History

1. For the prospect aged between 18 to 55, both parents must not have passed away before the age of 55 from the following diseases:
   •  Coronary Artery Disease
   •  Colorectal Cancer
   •  Lung Cancer
   •  Melanoma Cancer

2. For the female prospect aged between 18 to 55, the mother must not have passed away before the age of 55 from the following diseases:
   •  Breast Cancer
   •  Ovarian Cancer

3. For the male prospect aged between 18 to 55, the father must not have passed away before the age of 55 from the following disease:
   •  Prostate Cancer

Personal Medical History without a Current Rateable Impairment

No history of
   •  Diabetes
   •  Cardiovascular Disease
   •  Cerebrovascular Disease
   •  Cancer

The prospect who has had any kind of tumours which have been removed will be considered a standard rate right away. However the Company may consider offering the prospect a preferred rate on a case by case basis.

Body Mass Index (BMI)

Body Mass Index (BMI), Cholesterol and Cholesterol to HDL Ratio are to follow calculations and levels chart which depend on the underwriting criteria of the Company.

The above conditions will be applied to the prospect who is under treatment or nontreatment for high cholesterol.

Cholesterol

Cholesterol / HDL Ratio

Note: Conditions of preferred rate depending on underwriting criteria of the Company
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. (66) 0 2353 8855, Website www.aia.co.th

Assured by AIA Company Limited

Notes
  • Be Together Legacy+ is the marketing name for AIA Legacy Prestige Infinite 8Pay/12Pay/16Pay (Non Par) attached with the Accidental Death Benefit (ADB) and Terminal Illness Benefit (TI) Riders.
  • If the premium is paid monthly, the first payment will include an advance payment of two months.
  • 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 details of 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 approval.
  • A health declaration is one of the factors considered in the policy approval 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.

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