Key Benefits
Pay premiums for only 5 years
Receive life insurance coverage for up to 10 years.
Get fast cashback
At the end of the 2nd - 9th policy year, up to 100%* of the sum assured.
Receive cash return 100%
On the maturity date: Receive cash return 100% of the sum assured.
Total benefits of 520% of the sum assured
No health check-up and health declaration required
Customer Promotional Campaign for Gain 1st on Mobile Banking
Apply for Gain 1st Speed Return 10/5 insurance policy via Bangkok Bank Mobile Banking and pay the annual premium.
Receive cashback into your savings account of up to 5% of the first-year premium.
Promotion period: April 1, 2026 – Jun 30, 2026
(The policy must be approved by Jun 30, 2026 and remain in force until the cashback is credited to the savings account.)
Get an additional Central gift voucher worth up to THB 15,000 per policy when you apply for a participating Gain 1st savings life insurance policy and pay the annual premium between April 1, 2026 – Jun 30, 2026, and successfully register on the BLA Happy Life application by August 15, 2026.
(The policy must be approved by June 30, 2026 and remain in force until the Company delivers the Central gift voucher.)
|
Premium Range |
Cashback to Savings Account* |
Additional Central Gift Voucher (THB)* |
|
5,000 – 9,999 |
2.0% of first-year premium |
- |
|
10,000 – 24,999 |
3.0% of first-year premium |
- |
|
25,000 – 49,999 |
3.0% of first-year premium |
300 |
|
50,000 – 99,999 |
4.0% of first-year premium |
1,800 |
|
100,000 – 299,999 |
5.0% of first-year premium |
4,500 |
|
300,000 and above |
5.0% of first-year premium |
15,000 |
*The policy must be approved by June 30, 2026 and remain in force until the cashback is credited or the gift voucher is delivered, whichever applies.
Conditions for Receiving Cashback
- Applicable to Bangkok Bank customers who apply for Gain 1st Speed Return 10/5 life insurance policy via Bangkok Bank Mobile Banking and pay annual premiums between April 1,2026 – June 30, 2026.
- The policy must be approved by June 30, 2026 and remain in force until the cashback is credited.
- Cashback will be calculated based on the first-year annual premium.
- Cashback will be credited only to the policyholder’s Bangkok Bank savings account (account holder name must match the policyholder).
- Bangkok Bank will verify eligible policies monthly and transfer cashback within 90 days after the end of the month in which the policy was approved.
- If the policyholder has multiple policies purchased in the same month, premiums will be combined for cashback calculation.
- Full details are subject to Bangkok Bank and Bangkok Life Assurance Public Company Limited’s terms and conditions.
Conditions for Receiving Central Gift Vouchers
- Applicable to Bangkok Bank customers who apply for Gain 1st Speed Return 10/5 life insurance policy via Bangkok Bank Mobile Banking and pay annual premiums between April 1,2026 – June 30, 2026 and successfully register on the BLA Happy Life app by August 15, 2026.
- Customers who registered on the BLA Happy Life app before the promotion period will also receive the gift voucher if they purchase a new policy during the promotion period.
- The policy must be approved by June 30, 2026 and remain in force until the gift voucher is delivered.
- Voucher value is calculated per policy (cannot combine premiums from multiple policies).
- Vouchers will be delivered within 90 days after all conditions are met to the address provided during policy application. Delivery status will be notified via SMS.
- Vouchers cannot be exchanged, transferred, or redeemed for cash.
- Bangkok Life Assurance reserves the right to change conditions with prior notice via email or SMS.
- Full details are subject to Bangkok Bank and Bangkok Life Assurance Public Company Limited’s terms and conditions.
Important Notices
- Gain 1st Speed Return 10/5 is the marketing name for Gain 1st Fast Tax and BLA ADB rider.
- Life insurance premiums may be tax-deductible under Revenue Department regulations.
- Life insurance is not a deposit. Early surrender may result in a refund less than the premiums paid, depending on the surrender period.
- Applicants should understand coverage details and conditions before purchasing.
- Bangkok Bank acts only as a life insurance broker; policy approval is subject to Bangkok Life Assurance’s underwriting rules.
- Health declarations are required and may affect acceptance or claim payment.
- Coverage terms and conditions are specified in the issued policy.
For more information, contact any Bangkok Bank branch or call 1333.
Bangkok Life Assurance Public Company Limited: Tel. 0 2777 8888 or www.bangkoklife.com
Life insurance underwritten by Bangkok Life Assurance Public Company Limited.
- Receive death coverage up to 525%** of the sum assured. If death occurs from an accident*** receive an additional 100% of the sum assured
- Easy application, No medical examination and no health questionnaire
- Internal Rate of Return (IRR) starts at 0.71% (for a 0% tax rate) and is up to 9.07% (for a 35% tax rate) ****
*At the end of the 7th – 9th policy year
**5th- 10th policy year
***This is additional coverage in case of death from an accident. The benefit is equal to 100% of the sum assured of the main contract, up to a maximum of 10 million baht per insured person when including the accidental death benefit from all policies purchased through Bangkok Bank channels.
****This is only an example assumption for calculating the initial return rate throughout the contract, including the expected tax benefits that the Insured may receive from exercising tax deductions (if any). Such tax benefits may vary depending on the tax base and tax rate of each individual, as determined by the Revenue Department.
Additional Information
Coverage and Benefits
|
Coverage
|
Benefits |
|
1. If death occurs during the policy period. |
Receive benefits as a % of sum assured 1stpolicy year: Receive 105% of the sum assured
2nd policy year: Receive 210% of the sum assured
3rd policy year: Receive 315% of the sum assured
4th policy year: Receive 420% of the sum assured
5th- 10th policy year: Receive 525% of the sum assured
|
|
2.If death occurs from an accident during
the policy period, receive additional benefits.*
|
100% of the sum assured |
|
3.In case of survival until maturity date
|
At the end of the 2nd – 5th policy year: At the end of the 6th policy year: At the end of the 7th – 9th policy year: On the maturity date:
|
*This is additional coverage in case of death from an accident. The benefit is equal to 100% of the sum assured of the main contract, up to a maximum of 10 million baht per insured person when including the accidental death benefit from all policies purchased through Bangkok Bank channels.
Requirements
- Qualifying age*: 20 - 60 years
- Coverage period: 10 years
- Premium payment period: 5 years
- Sum assured:
- 25,000 baht - no limit
- 25,000 baht – 10,000,000 baht** (BLA ADB Rider (covers death from accidents))
- Payment mode: Annually
- Insurance Consideration: No medical examination and no health questionnaire (GIO) required.
- Attaching rider contracts: No rider contracts can be attached.
*For age calculation of the Insured, a fraction of more than 6 months shall be counted as a full year. (maximum insured age not exceeding 60 years and 6 months).
** Maximum coverage of not more than 10 million baht per insured person when including the accidental death benefit from all policies purchased through Bangkok Bank channels.
Premium Rates
Per sum assured of 1,000 baht for both males and females
|
Age (years) |
Annual Premium Rate (baht) |
|
20 - 60 |
1,000 |
Example Insurance Coverage: A male or female aged 40, with a tax rate of 20%, chooses to purchase the Gain 1st Speed Return 10/5 endowment life insurance plan. Gain 1st Speed Return 10/5.
|
Unit : Baht |
|||||
|
|
Annual Premium (baht) |
Life Coverage (baht) |
Tax benefits (initial)
|
||
|
Survival Benefits (baht) |
Death from all cases (Except accident) |
Death from accident* |
Example: 20% tax rate (Expected benefits that may be received from using tax deductions) |
||
|
1 |
100,000 |
- |
105,000 |
205,000 |
20,000 |
|
2 |
100,000 |
20,000 |
210,000 |
310,000 |
20,000 |
|
3 |
100,000 |
20,000 |
315,000 |
415,000 |
20,000 |
|
4 |
100,000 |
20,000 |
420,000 |
520,000 |
20,000 |
|
5 |
100,000 |
20,000 |
525,000 |
625,000 |
20,000 |
|
6 |
- |
40,000 |
525,000 |
625,000 |
- |
|
7 |
- |
100,000 |
525,000 |
625,000 |
- |
|
8 |
- |
100,000 |
525,000 |
625,000 |
- |
|
9 |
- |
100,000 |
525,000 |
625,000 |
- |
|
10 |
- |
- |
525,000 |
625,000 |
- |
|
Summary of coverage benefits for male/female policyholders aged 40 years who are subject to a 20% tax rate. |
|||||
|
Total Premium Paid |
500,000 |
||||
|
Total annual cash returns of 420% of the sum assured |
420,000 |
||||
|
Maturity benefits returns of 100% of the sum assured |
100,000 |
||||
|
Total benefits of 520% of the sum assured |
520,000 |
||||
|
Tax benefits (per year) if the tax rate is 20% |
20,000 |
||||
|
Tax benefits (total 5 years) if the tax rate is 20% |
100,000 |
||||
|
Internal Rate of Return (IRR) |
0.71%** |
||||
|
Internal Rate of Return (IRR) when combined with tax benefits (5 years) in case of a tax rate of 20% |
4.91%** |
||||
*This is additional coverage in case of death from an accident. The benefit is equal to 100% of the sum assured of the main contract
**This is only an example assumption for calculating the initial return rate throughout the contract, including the expected tax benefits that the Insured may receive from exercising tax deductions (if any). Such tax benefits may vary depending on the tax base and tax rate of each individual, as determined by the Revenue Department.
How to apply
To apply for Gain 1st Speed Return 10/5 via mobile banking, click “Apply” in below tab and select “Insurance”
For more information, please contact any Bangkok Bank branch or call Bualuang Phone 1333 or Bangkok Life Assurance Public Company Limited on (66) 0 2777 8888 or visit www.bangkoklife.com
For more information, please contact any Bangkok Bank branch or call Bualuang Phone 1333 or Bangkok Life Assurance Public Company Limited on (66) 0 2777 8888 or visit www.bangkoklife.com
Notes
- Gain 1st Speed Return 10/5 is the marketing name of Gain 1st Fast Tax and BLA ADB Rider.
- Insurance premiums are eligible for personal income tax deductions in line with Revenue Department conditions.
- Insurance products offered by the Bank are not the same as a deposit. In the event of early redemption, customers may receive returns less than the paid premiums, depending on the date the early redemption is made.
- The Insured should read and study the terms and conditions carefully before deciding to buy insurance.
- Bangkok Bank is a life insurance broker, acting as an agent between customers and Bangkok Life Assurance. Bangkok Life Assurance conditions apply to insurance approval.
- The applicant has the duty to provide true information when applying for insurance. Any concealment of the 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.
TOOLS & ASSISTANCE
We are ready to help you.
TOOLS & ASSISTANCE
We are ready to help you.
This Website uses cookies to provide you with the best experience and to improve the Bank’s website services in order to better serve your requirements. You can find the details about cookies use on
Cookies Policy
