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Life Insurance: Whole Life 80/4​

4-year term,
coverage until 80.
Biennial cash-back.​

100%​ maturity benefit when turning 80.​

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Pay only 4 years,
get coverage until you are 80.

 

Get biennial refund

Get a 2% refund every 2 policy years(except the maturity year)

 

Tax deductible

Only life insurance premiums




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Insurance Details

 

Insured period

Until 80 years of age

 

Insurance premium payment period

4 years

 

Payment of insurance premium

Quarterly, biannually, annually

 

Insurable age

1 month to 70 years of age

 

Minimum sum insured

100,000 baht

 

Additional contract coverage

Can be additionally purchased

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Benefits

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Note: ​% of benefits and coverage of the sum insured as of contract starting date.

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Coverage
  • Get a refund of 2% of the sum insured as of the contract start date, every 2 policy years from the end of policy year 2 (except the end of the policy year at the end of the contract)
  • Get the due contract amount of 100% of the sum insured as of the contract start date at the age of 80 years
  • Get life insurance of 100% of the sum insured as of the contract start date or the surrender value at that time (whichever is higher)
  • Additional life coverage of 200% of the sum insured as of the contract start date of the Lifetime Coverage Insurance 80/4 with coverage extension for riots* (from policy years 1 through 4)
  • Exclude the premium payment if the insured becomes totally permanently disabled**

*The contract additionally includes Accident Insurance type A and an endorsement to extend the coverage for homicide or willful assault, riot, etc.

**The contract additionally includes the benefit of premium exemption for the insured (for the insured aged between 15 and 59 years).

Integrity of the insurance contract
Should the policy holder or insuring or insured party knowingly misrepresent any fact and fail to disclose that fact to the company while requesting insurance, if that fact becomes known to the company, that may lead the company to charge a higher premium or decline to enter the insurance contract; the insurance contract shall become void according to Section 865 of the Civil and Commercial Code by which the company may nullify the contract and refuse to pay according to the policy.
Circumstances that the company does not cover
  1. The insured voluntarily commits suicide within 1 year of the contract date or policy renewal date, or the last date that the policy returns to the original status
  2. The insured is intentionally killed by the beneficiary
  3. The insured misrepresents his or her actual age, and the company is able to prove that upon entering the insurance contract, the actual age falls outside the insurance premium rate limit based on the normal trade of the company
Life Insurance Provider

Life Insurance Company

Muang Thai Life Assurance Public Company Limited

Life Insurance Broker

Kasikornbank Public Company Limited as the brokerage firm
License N​o. Chor. 00024/2546

Remarks:

  • Benefits and coverage are in % of the initial sum insured.
  • Life insurance premium of this insurance plan is eligible for personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 172 announced on 30 December 2008.
  • Benefits, coverage and exclusions shall be in accordance with the conditions stated in the insurance policy.
  • Underwriting is subject to the Company’s rules.
  • KASIKORNBANK PCL, as life insurance broker, presents life insurance products and facilitates payment of premium only. Muang Thai Life Assurance Public Company Limited is responsible for the conditions, coverage and entitled benefits as stated in the insurance policy conditions.
  • Warning: Buyer should have an understanding in details of the coverage and conditions before making a decision to purchase an insurance every time.
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Frequently Asked Questions

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What kind of life insurance is Life Insurance for Lifetime Coverage 80/4?

It is lifelong insurance focusing on life coverage until the age of 80, but paying premiums for a short period of only 4 years.

Does Life Insurance for Lifetime Coverage 80/4 provide any refund benefits during the contract?

There is a refund of 2% of the sum insured at the beginning of every 2 policy years (except the year of maturity of the policy contract), and when the insured turns 80 years old, when the insured can receive a refund of 100% of the sum insured as of the start date.

How does death coverage in Life Insurance for Lifetime Coverage 80/4 work?

Get life insurance of 100% of the sum insured at the start date of the contract or the surrender value at that time (whichever is higher), through the contract period.

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In what manner can I choose to get the refund benefit during the year?

You can choose to receive either cash or check.

Can the premium for a Life Insurance for Lifetime Coverage 80/4 policy be used as a personal income tax deduction?

It can be used as a personal income tax deduction according to the notification of the director general of the Revenue Department on Income Tax no.172 as announced on December 30, 2008, for a maximum of 100,000 baht. The company will issue a certificate of insurance premium payment as proof of the tax deductible premium payment.


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Key Features
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Coverage​
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