Key Benefits

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Premium payment period is selectable

5-year Payment, 10-year Payment or 20-year Payment

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Plan your financial goals to suit your lifestyle

Legacy plan, retirement plan, or a gift plan for your children

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Receive Cost of Insurance discount (COI)1

For the applicant who has better-than-standard health as specified by AIA Co., Ltd.

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Receive a special retirement bonus of 0.25% per year2

When the Insured reaches the age of 55 years old on the policy anniversary date

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• Receive Non-Lapse Guaranteed³
  • Receive life coverage consecutively equivalent to the premium payment period (maximum 20 years)

Notes

¹The Company reserves the right to cancel or change the discount rate on the COI by giving an advance notice of at least 15 days.

²From a redemption value of investment units of the regular premium. When the Insured reaches the age of 55 years on the policy anniversary date and the policy has been effective for at least 10 years, and the regular premiums have been fully paid for all instalments or for at least 10 years. The Company will use a retirement bonus to purchase investment units according to the latest investment allocation, at the offer price as of the valuation date following the end of the monthly period of the Policy. In this respect, if the policy is taking a premium holiday, the Company will not pay the special retirement bonus.

³Under the conditions that the Insured has fully paid premiums without a premium holiday and without withdrawal from the redemption value of regular premium. Including no reduction in the regular premium. In this respect, the administration fee and the cost of insurance that has not been fully paid will be treated as a liability under the policy.

Additional Information

Assured by AIA Company Limited

Notes

• Be Together Legacy+ Linked is the marketing name of Be Together Legacy Plus Link (Unit Linked)
• Unit linked life insurance is not a bank deposit and involves risks. The applicant is advised to have an understanding of the product characteristics, conditions of returns and risk structure, as well as to study, read, and have a thorough understanding of the information contained in the sales supporting documents and the fund prospectus before making decisions on insurance and investment. The Insured may receive a return higher or lower than the amount of premium allocated to the fund. If the fund posts a profit, the Insured shall receive high returns. On the contrary, if the fund encounters a loss, the Insured may receive lower returns or suffer investment loss in some cases and may not get full returns from the investment. In this regard, the investment part of the unit-linked plan is not guaranteed. The redemption value of investment units may not be sufficient for paying the premium charges, COI, and administration fees which may affect policy termination. If the policy is cancelled/surrendered before maturity, the Insured may receive a return less than the amount of premiums that have been paid.
• The applicant is advised to study the details and 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.
• The premium charge, administration fee, and cost of insurance (COI) for life coverage are eligible for personal income tax deductions according to the criteria of the Revenue Department.
• Bangkok Bank is a life insurance broker, acting as an agent between the customer and AIA Company Limited. AIA Company Limited conditions apply to the insurance approval process.
• A health declaration is one of the factors considered in the policy approval or payout approval process.
• A health check-up is subject to AIA Company Limited conditions.
• The applicant has a duty to provide correct information in 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.
• The applicant has the duty to make premium payments. Collection of insurance premiums by the broker is only a facilitation service.
• The applicant should pay the premiums according to the payment schedule specified by the insurance plan. Any cancellation or suspension of premium payment ahead of schedule may result in a loss or reduced benefits.
• The applicant should take into consideration the ability to pay premiums since this policy is suitable for long-term savings and involves fund withdrawal charges which may result in the surrender value and the withdrawal value being lower than the redemption value of investment units. The applicant should study details in the fee schedule regarding cash withdrawal from the policy.
• The applicant has the option to invest in the funds to fulfil their investment objective and take investment risks on their own. In this respect, the Insured are strongly advised to study the fund’s risks and other details in the prospectus.
• During the policy’s in-force period, the policy may terminate in any year if the redemption value of the investment units is equal to or lower than zero, or if the redemption value of investment units is not sufficient to cover the policy fees.
• A mutual fund is a legal entity separate from the life assurance company and the asset management company. Therefore, the life assurance company and the asset management company are not obliged to compensate for losses sustained by the funds under the unit linked insurance plan and shall not take advantage of the fund’s assets for the settlement of their own debts.
• The premium paid by the Insured is subject to deduction of charges, fees and the cost of insurance, and the remaining premium amount will be invested in the mutual funds selected by the Insured.
• If the fund selected by the Insured is a foreign investment fund, the fund may not have a policy to fully hedge against foreign exchange risk according to the fund manager’s discretion. Therefore, the Insured may have foreign exchange losses or gains from investment or may receive a return lower than the initial investment amount.
• The English version is unofficial translation of the original Thai version, for reference only, and has no legal binding as the protective control.