Coverage and Benefits

*Coverage for death (excludes suicide within the first year or being murdered by the beneficiary).
**Redemption value (RV) refers to the amount calculated by multiplying the total number of investment units by the redemption price on the valuation date of each fund under the policy.

Requirements

• Insurable age: 15 days - 75 years
• Coverage period: Whole of life (until the age of 99) or as long as the redemption value of investment units is sufficient for the deduction of expenses as stipulated in the policy fee schedule
• Premium payment period: Single premium payment
• Sum assured: 150% of the single premium

Premium Rates

***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). (Only the part of the premium charge, administration fee and cost of insurance are eligible for tax deduction according to the criteria of the Revenue Department.)

Fund Information and Fee Structure

Mutual funds under this product – Customers can opt for investment through any of the following funds:

Note: The insurance company may consider adding or cancelling any funds in the above list for customers to select in the future at the Company’s discretion.

Purchase/Redemption of Investment Units and the Timeframe for Processing the Transactions

Purchase of Investment Units

1. In the case that the single premium and the top-up premium are paid together for the first payment, the Company will purchase the investment units on the next business day from the policy approval date.
2. In the case that the top-up premium payment is made subsequently:
   2.1 If payment is made in cash, the Company will purchase the investment units on the second business day from the policy approval date.
   2.2 If payment is made in cheque, the Company will purchase the investment units on the third business day from the policy approval date.
3. In the case of fund switching, automatic fund switching or automatic fund re-balancing, the Company will purchase the investment units on the next business day from the policy approval date and the date on which the redemption prices of investment units of all funds are calculated.

Redemption of Investment Units with a Specific Timeframe for Trading of Investment Units

Redemption of Investment Units without a Specific Timeframe for Trading of Investment Units

Redemption of Investment Units with a Specific Interval of Time

1. Automatic fund switching: When the redemption request form is submitted within the 1^st through the 31^st of a specific month, the Company will carry out the redemption of investment units on the 21^st of the following month and every subsequent month.
2. Automatic fund re-balancing: When the redemption request form is submitted within the 20^th of March, June, September or December, the Company will carry out the first redemption of investment units on the 21^st of March, June, September or December respectively.

Rights of the Insured

1. The Insured has the right to cancel the policy within 15 days from the policy receipt date. In this respect, the Company will return the policy fees and investment portion according to the redemption price of investment units deducted by a fee charge of 500 baht as well as the expenses of a health check-up (if any). If the Insured has made a claim, paid the top-up premium, withdrawn cash from the policy, or submitted a request for fund switching, automatic fund switching or automatic fund re-balancing, the Insured will not be eligible for the right to cancel the policy.
2. The Insured has the right to surrender the policy according to conditions stipulated in the policy while the policy is in force and has a cash surrender value.
3. The Insured has the right to receive information about the allocation of premiums invested in the funds.
4. The Insured has the right to obtain a full prospectus containing details of the mutual fund project from a life insurance broker authorized by AIA.
5. The Insured has the right to receive a full list of asset management companies offering management service for the unit linked plans proposed by AIA.
6. The Insured has the right to receive information about the name and address of the management company and AIA as well as the name and license number of the life insurance broker authorized by AIA.
7. The Insured has the right to be informed of risks associated with the investment units that the Insured is advised to purchase including the warnings and explanations regarding risks of investment in mutual fund units.
8. The Insured has the right to be informed of facts that have impacts on the Insured’s benefits or on decision-making in investment such as offering of investment units of mutual funds under the process of merger or amalgamation, etc.
9. The Insured has the right to receive information about conflicts of interest such as fees or remunerations that the authorized broker of AIA may receive from the purchase of an insurance plan as well as from the subscription or redemption of investment units, etc.
10. The Insured has the right to express the intention to refuse any further contact for a period of two years.
11. The rights of the unitholders of a unit linked insurance plan under an omnibus account may differ from those subscribing to investment units directly from the management company, for instance:

• In purchasing a unit linked insurance plan, the subscription price of investment units is not quoted on the purchase date as the life insurance application needs to go through the underwriting process after all relevant documents have been submitted. In this respect, AIA will proceed to subscribe to the investment units for the client after the policy is approved.
• Receipt of any fund-related documents may require a longer time than when directly purchasing with the management company as AIA will deliver such documents to the clients after receiving them from the management company.
• AIA will deduct the cost of insurance and policy administration fee (please refer to the Schedule of Fees and Charges) from the auto-redemption of investment units on a monthly basis.

Channels of Complaints for the Insured

The Insured can lodge a complaint to the following units:

1. AIA Call Center Tel. (66) 0 2353 8855
2. Branches of Bangkok Bank offering this service or Tel. 1333
3. Office of the Securities and Exchange Commission (SEC) Tel. 1207
4. Office of Insurance Commission (OIC) Tel. 1186
5. Bank of Thailand (BOT) Tel. 1213

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