Gain 1st 380 (Par)

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Key Benefits

Protection and Benefits

Protection Benefits
1. If death occurs during the policy period

Receive benefits in % of sum assured or accumulated paid premiums, whichever amount is greater

  • 1st - 2nd policy year: Receive 100% of the sum assured
  • 3rd policy year: Receive 110% of the sum assured
  • 4th policy year: Receive 150% of the sum assured
  • 5th policy year: Receive 180% of the sum assured
  • 6th policy year: Receive 220% of the sum assured
  • 7th policy year: Receive 255% of the sum assured
  • 8th policy year: Receive 290% of the sum assured
  • 9th policy year: Receive 325% of the sum assured
  • 10th - 15th policy year: Receive 360% of the sum assured
2. If no death occurs during the policy period, the insured will receive up to 380% of the sum assured with an opportunity to receive a dividend on the maturity date

2.1 Benefits guaranteeing payment

  • At the end of the 1st - 10th policy year: Receive annual cash return 2% of the sum assured
  • At the end of the 11th - 14th policy year: Receive annual cash return 4% of the sum assured
  • On the maturity date: Receive cash return 344% of the sum assured

2.2 Dividends
On the maturity date: Opportunity to receive a dividend*

Notes

  • The special cash return is included in the annual cash return.
  • *The company may consider paying dividends on the maturity date to the insured. Dividend amount depends on the return on investment of the par – product assets throughout the policy period deducted by the total cost of this product which the company will allocate at 80% of that surplus to the insured. The dividend at the end of the contract will be different for each product according to terms and conditions, and dividend calculation method specified by the company.

Requirements

  • Insurable age: Newborn - 70 years old
  • Coverage period: 15 years
  • Premium payment period: 10 years
  • Minimum sum assured: 100,000 baht
  • Maximum sum assured: Unlimited
  • Mode of payment: Annually or monthly

Premium Rates

Per sum assured of 1,000 baht for both males and females

Age (years) Annual Premium (baht)
Newborn - 70 360

Notes

  • Monthly premium = Annual premium ÷ 12
  • For age calculation of the insured, a fraction of more than 6 months shall be counted as a full year.
  • For monthly premium payments, the insured must pay two months’ premiums in advance and must apply for Bualuang Direct Debit for the subsequent monthly premium payments to be debited from their savings account or Bangkok Bank credit card (excludes Bangkok Bank American Express credit cards).

Example Insurance Coverage

Male, aged 35 years old. Sum assured 100,000 baht

Policy Year Annual Premium (baht) Survival Benefits* (baht) Life Coverage (baht)
1 36,000 2,000 100,000
2 36,000 2,000 100,000
3 36,000 2,000 110,000
4 36,000 2,000 150,000
5 36,000 2,000 180,000
6 36,000 2,000 220,000
7 36,000 2,000 255,000
8 36,000 2,000 290,000
9 36,000 2,000 325,000
10 36,000 2,000 360,000
11 - 4,000 360,000
12 - 4,000 360,000
13 - 4,000 360,000
14 - 4,000 360,000
15 - 344,000 360,000

Unit: Baht

Summary of Benefits Survival Benefit
(at the end of policy year)		 Example of Dividends from Average Investment Rate of Return throughout the Contract***
3% 4% 5%
Total annual cash return** 36,000 36,000 36,000 36,000
Maturity benefit 344,000 344,000 344,000 344,000
Opportunity to receive dividend on the maturity date - 24,360 51,070 77,770
Total benefit 380,000 404,360 431,070 457,770
Total premium 360,000 360,000 360,000 360,000
Net benefit 20,000 44,360 71,070 97,770

*Annual cash return + special cash return + maturity benefit at the end of the policy year
**Sum of annual cash return and special cash return at the end of 1st - 14th policy year
***The average return on investment that the company receives from the investment of the par-product assets throughout the contract period

How to apply

To apply, simply fill out an application form at any Bangkok Bank branch and hand it in along with the required documents.

For more information, please contact any Bangkok Bank branch or call Bualuang Phone 1333
or Bangkok Life Assurance Public Company Limited on (66) 0 2777 8888 or visit www.bangkoklife.com

Assured by Bangkok Life Assurance Public Company Limited

Notes

For more information, please contact any Bangkok Bank branch or call Bualuang Phone 1333
or Bangkok Life Assurance Public Company Limited on (66) 0 2777 8888 or visit www.bangkoklife.com

  Call 1333   Call 02 777 8888   Bangkok Bank branch nationwide