PRUWhole Life Protect 99/20

Receive 100% of sum assured, or the surrender value, or 101% of the total premiums paid, whichever is the greater amount, at the end of the policy year when the insured reaches age 99.

Receive the coverage of 100% of sum assured, or the surrender value, or 101% of the total premiums paid, whichever is the greater amount.

Premium on life coverage can be used for tax benefit up to the maximum of 100,000 baht per year, in accordance with the Revenue Department’s regulations.

Accidental Death and Dismemberment (ADD) eligible age 1 month-60 years old

Strike, Riot, Civil Commotion & Murder Assault (RCC) and Waiver of Premium for Total Permanent Disability Rider 2 (OD2) eligible age 17-60 years old

(according to the company’s underwriting rules)

Health Rider (HI, HAL)

Multi-Stage Critical Illness Rider (CM)

According to the company’s underwriting rules

• This is a life insurance product. It is not a bank deposit. To get the maximum benefits from insurance policy, the insured should continuously pay the premium through to the end of the premium payment period and holds the policy until the end of the policy contract. If the policy is terminated before the end of the contract, the insured may not receive cash benefit in the amount equivalent to the maximum policy benefit he/she is entitled to, or in the amount equivalent to all premiums paid.

• The insured is responsible for paying premium. An insurance agent or broker that accepts a premium payment by the insured is solely for the purpose of providing service to the insured.

• The insured can cancel the policy within 15 days from the date of receipt of the policy document. The insured will get a refund of premiums paid after deducting the company’s expenses of THB 500 and actual health checkup fee (if any).

• The insured has the right to surrender the policy. After deducting any amounts owed to the company (if any), the insured will receive the surrender value as specified in the policy value table, along with any other benefits (if any)

• The applicant should understand coverage details and conditions thoroughly before deciding to buy an insurance.

• This document provides basic information only. The applicant should read and study additional information on the payment requirements, terms and conditions, exclusions, and insurance privileges issued by the company.

• “PRU whole life 99/20” is the marketing name of “PRU whole life insurance plan 99/20 (2) (Non-Par)”.

• The company will not cover

  1. In the event of non-disclosure or misrepresentation, the company will terminate the contract within 2 years from the effective date or renewal or reinstatement of the insurance policy or the approval date to increase the sum assured (only for the increased part).

  2. In the event of suicide within one year from the policy effective date or renewal or reinstatement or the approval date to increase the sum assured (only for the increased part), or the insured is murdered by the beneficiary.

• Examples of exclusions under Accidental Death Benefit Rider*

  - Any action of the insured when under the influence of alcohol or addictive substance or drugs to the extent where the insured is unable to maintain their consciousness.

  “Under the influence of alcohol” means having a blood alcohol level of 150 milligrams percent or higher when a blood test is conducted.

  - Suicide, attempted suicide, or self-harm.

  - While the insured is riding a motorcycle as the rider or a passenger.

* Please refer to the insurance contract for complete details of exclusions.