Key Benefits
Easy to start, sure to gain
Premium starts at 500 baht per month*
Life Coverage
Up to 300% of the sum assured
Guaranteed Returns
Guaranteed a total return throughout policy period at 186% of the sum assured if no death occurs
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 from any cause (except an accident) during the policy period |
Receive 200% of the sum assured or accumulated paid premiums, whichever amount is greater |
|
2. If death occurs from an accident during the policy period |
Receive 300% of the sum assured |
|
3. If no death occurs during the policy period, the Insured will receive up to 186% of the sum assured |
• At the end of the 2nd, 4th, 6th, 8th, 10th, 12th and 14th policy year: Receive annual cash return 2% of the sum assured |
*Maturity benefit 152% of the sum assured and special cash return 20% of the sum assured
Requirements
- Insurable age:
- 20 - 70 years if applying through Bangkok Bank website
- Newborn - 70 years if applying through Bangkok Bank branches
- Coverage period: 15 years
- Premium payment period: 15 years
- Minimum sum assured:
- 50,000 baht if applying through Bangkok Bank website
- 150,000 baht if applying through Bangkok Bank branches
- Maximum sum assured: 2,000,000 baht
- Payment mode: Annually / Monthly (with no extra charge)
Premium Rates
Per sum assured of 1,000 baht for both males and females
Notes
Example Insurance Coverage
Male, aged 35 years. Sum assured 150,000 baht.
Notes
*Receive benefits in % of sum assured or accumulated paid premiums, whichever amount is greater
**% of sum assured
|
Age (years) |
Annual Premium (baht) |
|
Newborn - 50 |
120 |
|
51 - 60 |
121 |
|
61 - 70 |
123 |
Notes
- Monthly premium = Annual premium ÷ 12
- For age calculation of the Insured, a fraction of more than 6 months shall be counted as a full year.
- For monthly premium payments, the Insured must pay two months’ premiums in advance and must apply for Bualuang Direct Debit for the subsequent monthly premium payments to be debited from their savings account or Bangkok Bank credit card (excludes Bangkok Bank American Express credit cards).
Example Insurance Coverage
Male, aged 35 years. Sum assured 150,000 baht.
|
Policy Year |
Annual Premium (baht) |
Survival Benefits (baht) |
Life Coverage (baht) |
|
|
Death from all cases (Except accident)* |
Death from accident |
|||
|
1 |
18,000 |
- |
300,000 |
450,000 |
|
2 |
18,000 |
3,000 |
300,000 |
450,000 |
|
3 |
18,000 |
- |
300,000 |
450,000 |
|
4 |
18,000 |
3,000 |
300,000 |
450,000 |
|
5 |
18,000 |
- |
300,000 |
450,000 |
|
6 |
18,000 |
3,000 |
300,000 |
450,000 |
|
7 |
18,000 |
- |
300,000 |
450,000 |
|
8 |
18,000 |
3,000 |
300,000 |
450,000 |
|
9 |
18,000 |
- |
300,000 |
450,000 |
|
10 |
18,000 |
3,000 |
300,000 |
450,000 |
|
11 |
18,000 |
- |
300,000 |
450,000 |
|
12 |
18,000 |
3,000 |
300,000 |
450,000 |
|
13 |
18,000 |
- |
300,000 |
450,000 |
|
14 |
18,000 |
3,000 |
300,000 |
450,000 |
|
15 |
18,000 |
- |
300,000 |
450,000 |
|
Total premiums at 270,000 baht |
||||
|
Total annual cash returns at 14%** 21,000 baht |
||||
|
Maturity benefits + Special cash returns at 172%** 258,000 baht |
||||
|
Total benefits at 186%** 279,000 baht |
||||
Notes
*Receive benefits in % of sum assured or accumulated paid premiums, whichever amount is greater
**% of sum assured
How to apply
Apply online through Bangkok Bank website or apply at any Bangkok Bank branch - simply fill out an application form and hand it in along with the required documents.
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
- Gain 1st Simple is the marketing name of Gain 1st 186 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 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 Bangkok Life Assurance. Bangkok Life Assurance 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 Bangkok Life Assurance 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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