Key Benefits
Short-Term Premium Payments
Pay premiums for only 4 years and receive 12 years of term coverage
Cash Returns
Receive cash returns every year
Guaranteed Returns
Guaranteed a total return throughout policy period at 424% of the sum assured with an opportunity to receive a dividend on the maturity date
Easy Gain with Bangkok Bank Mobile Banking
Apply for a participating Gain 1st savings life 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 from October 1, 2025 – December 31, 2025 (The policy must be approved by December 31, 2025 and remain in force until the cashback is credited to the savings account.)
Get an additional Central gift voucher worth up to 12,000 baht per policy when you apply for a participating Gain 1st savings life insurance policy and pay the annual premium between October 27, 2025 – December 31, 2025, and successfully register on the BLA Happy Life application by February 15, 2026. (The policy must be approved by December 31, 2025 and remain in force until the Company delivers the Central gift voucher.)
First-Year Annual Premium per Policy (Baht)
|
Premium Range |
Cashback to Savings Account* |
Additional Central Gift Voucher (THB)* |
|
5,000 – 9,999 |
2.0% of first-year premium |
- |
|
10,000 – 49,999 |
3.0% of first-year premium |
300 |
|
50,000 – 99,999 |
4.0% of first-year premium |
1,600 |
|
100,000 – 299,999 |
5.0% of first-year premium |
3,500 |
|
300,000 and above |
5.0% of first-year premium |
12,000 |
*The policy must be approved by December 31, 2025 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 savings life insurance (specifically Gain 1st Speed Return 10/5, Gain 1st e-Savings 10/5, Gain 1st 424 (Par), and Gain 1st Simple) via Bangkok Bank Mobile Banking and pay annual premiums between October 1 – December 31, 2025.
- The policy must be approved by December 31, 2025 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.
Important Notices
- Gain 1st Speed Return 10/5 is the marketing name for Gain 1st Fast Tax and BLA ADB rider.
- Gain 1st e-Savings 10/5 is the marketing name for Gain 1st Happy.
- Gain 1st Simple is the marketing name for Gain 1st 186 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.
Conditions for Receiving Central Gift Vouchers
- Applicable to Bangkok Bank customers who apply for Gain 1st savings life insurance (specifically Gain 1st Speed Return 10/5, Gain 1st e-Savings 10/5, Gain 1st 424 (Par), and Gain 1st Simple) via Bangkok Bank Mobile Banking and pay annual premiums between October 27 – December 31, 2025, and successfully register on the BLA Happy Life app by February 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 December 31, 2025 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.
- Gain 1st e-Savings 10/5 is the marketing name for Gain 1st Happy.
- Gain 1st Simple is the marketing name for Gain 1st 186 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.
Additional Information
Coverage and Benefits
|
Coverage |
Benefits |
|
1. If death occurs during the policy period |
Receive benefits in % of sum assured or accumulated paid premiums, whichever amount is greater. |
|
2. If no death occurs during the policy period, the Insured will receive up to 424% of the sum assured with an opportunity to receive a dividend on the maturity date |
2.1 Benefits guaranteeing payment • At the end of the 1st - 6th policy years: Receive special annual cash return at 1.5% of the sum assured • At the end of the 7th - 11th policy years: Receive special annual cash return at 2% of the sum assured • On the maturity date: Receive cash return at 405%* of the sum assured 2.2 Dividends On the maturity date: Opportunity to receive a dividend** |
*If no death occurs during the policy period, the Insured will receive up to 350% of the sum assured together with the special cash return of 55% of the sum assured.
**The Company may consider paying dividends on the maturity date to the Insured. Dividend amount depends on the return on investment of the par – product assets throughout the policy period deducted by the total cost of this product which the Company will allocate at 80% of that surplus to the Insured. The dividend at the end of the contract will be different for each product according to terms and conditions, and dividend calculation method specified by the Company.
Requirements
- Insurable age: 20 - 80 years
- Coverage period: 12 years
- Premium payment period: 4 years
- Sum assured: 50,000 baht - no limit
- Payment mode: Annually
Premium Rates
Per sum assured of 1,000 baht for both males and females
Annual premium discounts per sum assured of 1,000 baht for both males and females
For age calculation of the Insured, a fraction of more than 6 months shall be counted as a full year.
Example Insurance Coverage
Male, aged 35 years. Sum assured 1,000,000 baht. (Annual discount premium 0.4%)
*Special annual cash returns and maturity benefits at the end of the policy year
**Receive benefits in % of sum assured or accumulated paid premiums, whichever amount is greater
***The average return on investment that the Company receives from the investment of the par-product assets throughout the contract period. Customers can find returns on investment in each year from www.bangkoklife.com/parfund_ROI
|
Age (years) |
Annual Premium (baht) |
|
20 – 80 |
999 |
Annual premium discounts per sum assured of 1,000 baht for both males and females
|
Sum Assured (baht) |
Age (years) |
|
|
20 – 80 |
71 - 80 |
|
|
50,000 – 299,999 |
- |
- |
|
300,000 - 499,999 |
1 |
0.5 |
|
500,000 - 999,999 |
2 |
1 |
|
1,000,000 - 2,999,999 |
4 |
1.5 |
|
3,000,000 or higher |
6 |
3 |
For age calculation of the Insured, a fraction of more than 6 months shall be counted as a full year.
Example Insurance Coverage
Male, aged 35 years. Sum assured 1,000,000 baht. (Annual discount premium 0.4%)
|
Policy Year |
Annual Premium |
Survival Benefits* |
Life Coverage** |
|
1 |
995,000 |
15,000 |
1,000,000 |
|
2 |
995,000 |
15,000 |
2,000,000 |
|
3 |
995,000 |
15,000 |
3,000,000 |
|
4 |
995,000 |
15,000 |
4,000,000 |
|
5 |
- |
15,000 |
4,000,000 |
|
6 |
- |
15,000 |
4,000,000 |
|
7 |
- |
20,000 |
4,000,000 |
|
8 |
- |
20,000 |
4,000,000 |
|
9 |
- |
20,000 |
4,000,000 |
|
10 |
- |
20,000 |
4,000,000 |
|
11 |
- |
20,000 |
4,000,000 |
|
12 |
- |
- |
4,000,000 |
|
Total special annual cash returns at 19% of the sum assured |
190,000 |
- |
|
|
Maturity benefits + Special cash returns at 405% of the sum assured |
4,050,000 |
- |
|
|
Total benefits at 424% of the sum assured |
4,240,000 |
- |
|
|
Summary of Benefits |
Survival Benefits |
Example of Dividends from Average Investment Rate of Return throughout the Contract*** |
||
|
3% |
4% |
5% |
||
|
Total special annual cash returns |
190,000 |
190,000 |
190,000 |
190,000 |
|
Maturity benefits |
4,050,000 |
4,050,000 |
4,050,000 |
4,050,000 |
|
Opportunity to receive dividend on maturity date |
- |
260,300 |
566,800 |
873,300 |
|
Total benefits |
4,240,000 |
4,500,300 |
4,806,800 |
5,113,300 |
|
Total premiums |
3,980,000 |
3,980,000 |
3,980,000 |
3,980,000 |
|
Net benefits |
260,000 |
520,300 |
826,800 |
1,133,300 |
*Special annual cash returns and maturity benefits at the end of the policy year
**Receive benefits in % of sum assured or accumulated paid premiums, whichever amount is greater
***The average return on investment that the Company receives from the investment of the par-product assets throughout the contract period. Customers can find returns on investment in each year from www.bangkoklife.com/parfund_ROI
How to apply
Easy to apply via Bangkok Bank Mobile Banking, simply go to “Banking” 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
Assured by Bangkok Life Assurance Public Company Limited
Notes
Notes
- 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 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.
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