Why do we need investment‑linked life insurance?

Because life is unpredictable, and your financial goals matter. Our plans are designed to protect both your life and your finances, giving you the confidence to move toward your goals.

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Peace of mind every step of the way

Receive death benefits to ensure your loved ones are cared for with peace of mind. Build confidence for your family with comprehensive life protection.

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Potential for long‑term financial growth

Maximise opportunities for higher returns through various investment choices tailored to your financial goals.

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Financial plans aligned with your goals

Whether for children’s education, long‑term savings, or retirement planning, this solution helps you stay on track.

What are LMTs (Liquidity Management Tools)?

An overview to help you understand key measures designed to enhance the preparedness and efficiency of risk‑management processes related to the liquidity of underlying investment funds - particularly during periods of market stress or abnormal conditions.

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Frequently Asked Questions

Got a problem? Check our FAQs or get in touch with us for assistance.

Investment‑linked life insurance combines the benefits of life protection with mutual fund investment opportunities in a single policy.
The insured receives both life insurance coverage and the potential for investment returns. Coverage and investment allocations can be adjusted over time to suit different life stages and financial goals. There is no guaranteed return, as the policy value depends on the value of investment units, which may rise or fall depending on fund performance.

Investment‑linked life insurance is suitable for individuals who want life protection while also aiming for long‑term investment growth.
It is ideal for those who:

  • understand basic investment concepts
  • want flexibility in selecting mutual funds and managing asset allocation
  • can accept market volatility and a certain level of investment risk
  • aim for higher long‑term returns rather than focusing solely on capital preservation
  • value flexibility to increase or decrease coverage or adjust their investment mix

Investment‑linked life insurance offers:

  • life protection and investment opportunities in mutual funds
  • high flexibility in adjusting coverage or investment allocation
  • self‑directed investment decisions and responsibility for investment risk
  • In contrast, traditional life insurance (e.g., endowment plans):
  • provides fixed coverage and guaranteed benefits
  • offers limited flexibility
  • places investment risk on the insurer, not the policyowner
  • does not allow policyowners to change premium allocation or investment proportions

4.1 Regular Premium (RP)
A regular‑premium investment‑linked plan with scheduled premium payments.
  • Key features:
    • Coverage typically lasts until the policy anniversary when the insured reaches age 99
    • Premium‑paying period usually extends until age 99 (annual, semi‑annual, quarterly, or monthly payments)
    • Sum assured is a multiple of the basic premium (higher coverage than SP)
    • High flexibility: adjust coverage, increase/decrease premiums, or take a premium holiday (subject to policy terms)
    • Suitable for customers who prioritise life protection more than wealth accumulation
    • Policy duration depends on fund performance, fund value, investment unit redemption value, sum assured, and ongoing premium payments

4.2 Single Premium (SP)

A single‑premium investment‑linked plan.

  • Key features:
    • Coverage typically lasts until age 99
    • Lower sum assured: about 110–150% of the premium
    • Larger portion of the premium goes toward investment
    • Suitable for those focusing on wealth accumulation rather than high life coverage
    • Policy duration depends on fund performance, fund value, sum assured, and ongoing charges

 

Premiums are tax‑deductible only for the life coverage portion (not the investment portion).
This includes:

  • insurance operational costs (if applicable)
  • cost of insurance (COI)
  • policy administration fees

These can be claimed for tax deduction up to the actual amount paid, and not exceeding 100,000 THB per year, subject to the Revenue Department’s regulations.