Key Benefits

• Life coverage up to 250 times¹ of the regular protection premium (RPP) - The coverage limit is adaptable depending on the suitability during each life period.
• 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.
• Enhance opportunities to receive investment returns - The Insured can make their own investment choices. Regular protection premium (RPP) will be invested through the fund carefully curated by AIA Company Limited, after deduction of policy fees.
• Fulfil all needs regarding health and critical illness - Either premium paying rider (PPR) or unit deducting rider (UDR) can be attached to the basic policy.
• Enable regular savings - Premiums are paid by installment.
• Discount on cost of insurance (COI)² - For the Insured with a sum assured for regular protection of 10 million baht and above and an acceptable standard of health
• Total and permanent disability benefits³ - Alleviate worries in case of total and permanent disability as the policy provides protection and remains in force
   

¹For female customers aged 1 month - 30 years, details are in accordance with the conditions of the policy.

²The Company reserves the right to cancel or change the discount on the cost of insurance (COI) by giving at least 15 days of prior notice.

³Payment of total and permanent disability benefits is a one-off payment throughout the policy term and the policy will continue to be in force according to its terms and conditions.

Additional Information

Assured by AIA Company Limited
 

Notes

• Be Together Unit Linked (Regular Premium) is the marketing name of AIA Issara Protect (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, 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. 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 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.
• A health check-up is under AIA Company Limited 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.
• 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 an 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 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.