Key Benefits

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Opportunities for Investment Returns

Premiums after deduction of expenses will be invested in the fund selected by the Insured from a variety of mutual funds carefully curated by AIA.

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Single Premium Payment

The sum assured is equivalent to 150% of the single premium.

Life Protection(until the age of 99)

As long as the redemption value of investment units is sufficient for the deduction of expenses as stipulated.

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Discount on Cost of Insurance (COI)*

For the Insured with a minimum sum assured of 5 million baht and an acceptable standard of health.

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Additional Information

Assured by AIA Company Limited

• Be Together Unit Linked (Single Premium) is the marketing name of AIA Smart Premier (Unit Linked) Life Insurance Plan.
• Unit linked life insurance is not a bank deposit and involves risks. The applicant is advised to have an understanding about the product characteristics, conditions of returns and risk structure, as well as to study, read, and have a thorough understanding about 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, but 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. If the policy is cancelled or 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 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 AIA Company Limited. AIA Company Limited conditions apply to insurance approval.
• A health declaration is one of the factors considered in the policy approval or payout approval process.
• 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.
• The Insured has the duty to make premium payments. Collection of insurance premiums by the broker is only a facilitation service.
• 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 an option to invest in the funds to fulfill 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 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 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.