Gain 1st 525 (Par)

‹ Back
​

Key Benefits

Coverage and Benefits

Coverage Benefits
1. If death occurs during the policy period.

Receive benefits as a % of sum assured or accumulated paid premiums, whichever amount is greater.

  • 1st policy year: Receive 100% of the sum assured
  • 2nd policy year: Receive 200% of the sum assured
  • 3rd policy year: Receive 300% of the sum assured
  • 4th policy year: Receive 400% of the sum assured
  • 5th - 12th policy year: Receive 500% of the sum assured
2. If no death occurs during the policy period, the Insured will receive up to 525% 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 - 5th policy years: Receive a special annual cash return of 4% of the sum assured
  • At the end of the 6th - 11th policy years: Receive a special annual cash return of 5% of the sum assured
  • On the maturity date: Receive a cash return of 475%** of the sum assured

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

Notes

* Of the sum assured
** If no death occurs during the policy period, the Insured will receive up to 391% of the sum assured together with the special cash return of 84% of the sum assured.
*** 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 less the total cost of this product which the Company will set at 80% of that surplus to the Insured. The dividend at the end of the contract will be different for each product according to the Terms and Conditions, and the dividend calculation method specified by the Company.

Requirements

  • Insurable age: Newborn - 80 years
  • Coverage period: 12 years
  • Premium payment period: 5 years
  • Sum assured: 100,000 baht - no limit
  • Payment mode: Annually

Premium Rates

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

Age (years) Annual Premium (baht)
Newborn - 70 992

Annual premium discounts per sum assured of 1,000 baht for both males and females

Sum Assured (baht) Annual premium discounts (baht)
Less than 500,000 baht -
500,000 - 999,999 18
1,000,000 or higher 37

For age calculation of the Insured, a fraction of more than 6 months shall be counted as a full year.

Example Insurance Coverage

Male, aged 40 years. Sum assured 1,000,000 baht.

Policy Year Annual Premium Survival Benefits* Life Coverage**
1 955,000 40,000 1,000,000
2 955,000 40,000 2,000,000
3 955,000 40,000 3,000,000
4 955,000 40,000 4,000,000
5 955,000 40,000 5,000,000
6 - 50,000 5,000,000
7 - 50,000 5,000,000
8 - 50,000 5,000,000
9 - 50,000 5,000,000
10 - 50,000 5,000,000
11 - 50,000 5,000,000
12 - - 5,000,000
Total annual cash return 4,775,000
Total annual cash returns of 50% of the sum assured 500,000
Maturity benefits + Special cash returns of 475% of the sum assured 4,750,000
Total benefits of 525% of the sum assured 5,250,000
Net benefits 475,000
Summary of Benefits Survival Benefits
(at the end of policy year)		 Example of Dividends from Average Investment Rate of Return throughout the Contract***
3% 4% 5%
Total annual cash returns 500,000 500,000 500,000 500,000
Maturity benefits + Special cash returns 4,750,000 4,750,000 4,750,000 4,750,000
Opportunity to receive dividend on maturity date - 332,560 685,780 1,039,010
Total benefits 5,250,000 5,582,560 5,935,780 6,289,010
Total premiums 4,775,000 4,775,000 4,775,000 4,775,000
Net benefits 475,000 807,560 1,160,780 1,514,010

* Annual cash returns and maturity benefits at the end of the policy year
** Receive benefits as a % of sum assured or accumulated paid premiums, whichever amount is greater
*** The average return on investment that the Company receives from the investment of the par-product assets throughout the contract period. Customers can find returns on investment in each year from www.bangkoklife.com/parfund_ROI

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