Happy Saving 999

Plan for efficient long-term savings management with a whole life insurance that provides cash returns that meets all aspects of life, encompassing both life and accident coverage, along with receiving guaranteed annual cash returns throughout the contract. Enhance worthiness with special cash returns to build a solid foundation and grow financial wealth for you and your loved ones

Happy Saving 999
Issued age
Issued age
Newborn – 14 years old
Receive special cash returns
Receive special cash returns(2) in every 9 policy year of
39% (Plan A) or 59% (Plan B)
Coverage period
Coverage period
Until the age of 99
At maturity
At maturity
receive a lump sum of 990%(1)
Premium payment period
Premium payment period
9 years
General death
General death(3)
receive up to 990%
Receive annual cash returns of
Receive annual cash returns of
9%(1) from the 1st policy year until the age of 98
Accidental death
Accidental death(4)
receive up to 1980%

(1) In the event of being alive, the company will pay a percentage of the sum assured of Happy Saving 999 Plan A or Plan B life insurance contract.
(2) In the event of being alive, receive a special cash return of 39% of the sum assured of Happy Saving 999 Plan A life insurance contract, or 59% of the sum assured of Happy Saving 999 Plan B life insurance contract at the beginning of 10th policy year and every 9 policy year thereafter, up to the policy year that the insured reaches the age of 98.
(3) The coverage for general death is calculated as a percentage of the sum assured or the actual accumulated life insurance premium paid, whichever is higher, under Happy Saving 999 Plan A or Plan B life insurance contract.
(4) The coverage for accidental death is calculated as a percentage of the sum assured or the actual accumulated life insurance premium paid, whichever is higher, under Happy Saving 999 Plan A or Plan B life insurance contract, plus a percentage of the sum assured of BLA ADB 999 rider. When combining the total amount of sum assured of all BLA ADB 999 riders and BLA ADB riders must not exceed a maximum of 10 million baht.

  • Issued age: Newborn to 70 years
  • Coverage period until the age of 99 and premium payment period 9 years
  • Happy Saving 999 consists of Happy Saving 999 life insurance contract Plan A or Plan B and BLA ADB 999 rider
    • Happy Saving 999 Plan A life insurance contract for the sum assured of 100,000 to 299,999 baht
    • Happy Saving 999 Plan B life insurance contract for the sum assured of 300,000 baht and above
    • BLA ADB 999 rider: Equals to the sum assured of Happy Saving 999 Plan A or Plan B life insurance contract. When combining the total amount of sum assured of all BLA ADB 999 riders and BLA ADB riders must not exceed a maximum of 10 million baht.
  • Premium payment mode: Annually, semi-annually, quarterly, and monthly
  • In case of purchasing riders: Health check-ups are required in accordance with the rider's requirements
  • In case of not purchasing riders: No health check-ups are required, only answering the short health questions
  • The company provides coverage for BLA ADB 999 rider without charging a premium for the insured whom the company insures at a standard rate, subject to the company’s underwriting criteria

Fulfill life with happiness, receive annual cash returns, enhance worthiness with special cash returns, receive life and accident coverage throughout the contract to pass on stability and grow wealth for you and your loved ones

Be happy with accumulated cash
Be happy with accumulated cash
to create a continuous stream of passive income

Guaranteed annual cash returns of 9%(1) for savings or daily expenses purposes

Be happy with a lump sum of cash
Be happy with a lump sum of cash
to fulfill all future goals

Enjoy worthiness with special cash returns(2) of 39% or 59% in every 9 policy year and receive a lump sum of 990%(3) to meet financial planning in every life stage

Be happy with a solid foundation
Be happy with a solid foundation
to represent love and care for your loved ones when you pass away

Feel peace of mind with high life coverage from newborn to the age of 99, increasing over time. In the event of general death(4), receive coverage up to 990%. In the event of accidental death(5), receive coverage up to 1980%

Be happy with a valuable gift
Be happy with a valuable gift
to provide to your little ones over a lifetime

Be able to purchase Happy Saving 999 life insurance, together with payor’s benefit rider for your little ones since newborn to be a good life foundation for his/her future

Be happy with tax benefit
Be happy with tax benefit

Life insurance premium is eligible for tax deduction in accordance with the announcement from the Revenue Department

(1) In the event of being alive, receives annual cash returns of 9% of the sum assured of Happy Saving 999 Plan A or Plan B life insurance contract.
(2) In the event of being alive, receives special cash returns of 39% of the sum assured of Happy Saving 999 Plan A life insurance contract, or 59% of the sum assured of Happy Saving 999 Plan B life insurance contract at the beginning of 10th policy year and every 9 policy year thereafter, up to the policy year that the insured reaches the age of 98.
(3) In the event of being alive until maturity, receives a cash return of 990% of the sum assured of Happy Saving 999 Plan A or Plan B life insurance contract.
(4) The coverage for general death is calculated as a percentage of the sum assured or the actual accumulated life insurance premium paid, whichever is higher, under Happy Saving 999 Plan A or Plan B life insurance contract.
(5) The coverage for accidental death is calculated as a percentage of the sum assured or the actual accumulated life insurance premium paid, whichever is higher, under Happy Saving 999 Plan A or Plan B life insurance contract, plus a percentage of the sum assured of BLA ADB 999 rider. When combining the total amount of sum assured of all BLA ADB 999 riders and BLA ADB riders must not exceed a maximum of 10 million baht.

Happy Saving 999

(1) The company will pay a percentage of the sum assured or the actual accumulated life insurance premium paid, whichever is higher, under Happy Saving 999 Plan A or Plan B life insurance contract.
(2) The company will pay a percentage of the sum assured of BLA ADB 999 rider equivalent to the sum assured of Happy Saving 999 Plan A or Plan B life insurance contract. When combining the total amount of sum assured of all BLA ADB 999 riders and BLA ADB riders must not exceed a maximum of 10 million baht.
(3) The maximum of total coverage due to accidental death is calculated as a percentage of the sum assured or the actual accumulated life insurance premium paid, whichever is higher, under Happy Saving 999 Plan A or Plan B life insurance contract, plus a percentage of the sum assured of BLA ADB 999 rider. When combining the total amount of sum assured of all BLA ADB 999 riders and BLA ADB riders must not exceed a maximum of 10 million baht.
(4) In the event of being alive, receives annual cash returns of 9% of the sum assured of Happy Saving 999 Plan A or Plan B life insurance contract, from the 1st policy anniversary to the policy anniversary that the insured reaches at the age of 98.
(5) In the event of being alive, receives special cash returns of 39% of the sum assured of Happy Saving 999 Plan A life insurance contract, at the beginning of 10th policy year and every 9 policy year thereafter, up to the policy year that the insured reaches the age of 98.
(6) In the event of being alive, receives special cash returns of 59% of the sum assured of Happy Saving 999 Plan B life insurance contract, at the beginning of 10th policy year and every 9 policy year thereafter, up to the policy year that the insured reaches the age of 98.

Click to view Benefits and Coverage
 

Happy Saving 999 Plan A or Plan B life insurance contract

1. In the event of being alive until maturity Plan A Plan B
1.1 From the 1st policy anniversary to the age of 98, receive annual cash returns 9%
1.2 At the beginning of 10th policy year and every 9 policy year thereafter, up to the policy year that the insured reaches the age of 98, receive special cash returns 39% 59%
1.3 At maturity, receives a cash return 990%
(% of the sum assured of Happy Saving 999 Plan A or Plan B life insurance contract)
2. In event of general death
In the 1st policy year, receives 100% In the 6th policy year, receives 600%
In the 2nd policy year, receives 200% In the 7th policy year, receives 700%
In the 3rd policy year, receives 300% In the 8th policy year, receives 800%
In the 4th policy year, receives 400% In the 9th policy year, receives 900%
In the 5th policy year, receives 500% From the 10th policy year to the age of 99, receives 990%
(% of the sum assured or the actual accumulated life insurance premium paid, whichever is higher, under Happy Saving 999 Plan A or Plan B life insurance contract)

BLA ADB 999 rider

3. The additional coverage due to accidental death
In the 1st policy year, receives additional 100% In the 6th policy year, receives additional 600%
In the 2nd policy year, receives additional 200% In the 7th policy year, receives additional 700%
In the 3rd policy year, receives additional 300% In the 8th policy year, receives additional 800%
In the 4th policy year, receives additional 400% In the 9th policy year, receives additional 900%
In the 5th policy year, receives additional 500% From the 10th policy to the age of 99, receives additional 990%
(% of the sum assured of BLA ADB 999 rider)
Click to view the examples Benefits and Coverage
 

Example 1: Customer wants to build a solid foundation
and grow financial wealth for his family

 

A 40-year-old man wants to make a future life plan for himself. At the same time, he also worries about uncertain future of his family if there is an unexpected event causing him to pass away. Therefore, he decides to purchase Happy Saving 999 Plan B life insurance with a sum assured of 500,000 baht and an annual premium of 450,000 baht.

Happy Saving 999

 

(1) In the event of being alive, receives annual cash returns of 9% of the sum assured of Happy Saving 999 Plan B life insurance contract, from the 1st policy anniversary to the policy anniversary that the insured reaches the age of 98.
(2) In the event of being alive, receives special cash returns of 59% of the sum assured of Happy Saving 999 Plan B life insurance contracts at the beginning of 10th policy year and every 9 policy year thereafter, up to the policy year that the insured reaches the age of 98.
(3) In the event of being alive until maturity, receives a cash return of 990% of the sum assured of Happy Saving 999 Plan B life insurance contract.


Example 1: Customer wants to build a solid foundation
and grow financial wealth for his family

 

A 40-year-old man wants to make a future life plan for himself. At the same time, he also worries about uncertain future of his family if there is an unexpected event causing him to pass away. Therefore, he decides to purchase Happy Saving 999 Plan B life insurance with a sum assured of 500,000 baht and an annual premium of 450,000 baht.

Happy Saving 999

 

(1) In the event of being alive, receives annual cash returns of 9% of the sum assured of Happy Saving 999 Plan B life insurance contract, from the 1st policy anniversary to the policy anniversary that the insured reaches the age of 98.
(2) In the event of being alive, receives annual cash returns of 59% of the sum assured of Happy Saving 999 Plan B life insurance contract, at the beginning of 10th policy year and every 9 policy year thereafter, up to the policy year that the insured reaches the age of 98.
(3) In an event of general death from the 10th policy year onwards, the company will pay 990% of the sum assured or the actual accumulated life insurance premium paid, whichever is higher under Happy Saving 999 Plan B life insurance contract.
(4) The maximum of total coverage due to accidental death from the 10th policy year onwards, is calculated from 990% of the sum assured or the actual accumulated life insurance premium paid, whichever is higher, under Happy Saving 999 Plan B life insurance contract, plus 990% of the sum assured of BLA ADB 999 rider. When combining the total amount of sum assured of all BLA ADB 999 riders and BLA ADB riders must not exceed a maximum of 10 million baht.

 

Example 2: Customer wants to provide a valuable gift
as a good life foundation for child's future

 

A 30-year-old mother who has a 1-year-old son purchases Happy Saving 999 Plan B life insurance with a sum assured of 1,000,000 baht, and an annual premium of 845,000 baht. She also purchases a payor’s benefit rider with an annual premium of 6,845 baht, leading the total annual premium to be 851,845 baht.

Happy Saving 999

(1) In the event of being alive, receives annual cash returns of 9% of the sum assured of BLA Happy Saving 999 Plan B life insurance contract, from the 1st policy anniversary to the policy anniversary that the insured reaches the age of 98.
(2) In the event of being alive, receives special cash returns of 59% of the sum assured of BLA Happy Saving 999 Plan B life insurance contract at the beginning of 10th policy year and every 9 policy year thereafter, up to the policy year that the insured reaches the age of 98.
(3) In the event of being alive until maturity, receives a cash return of 990% of the sum assured of Happy Saving 999 Plan B life insurance contract.

Click to View Coverage Exclusions
 

Happy Saving 999 life insurance contract

  • In the event that the insured does not disclose the true statement or makes a false statement, the company will void the contract within two years from the effective date under the insurance policy, or upon renewal, or upon reinstatement, or upon the date the company approves the increase of the sum insured only for the additional part, unless the insured does not have a stake in the insured event, or the declaration of age is inaccurate leading the actual age to be outside of the normal trade premium rate limit.
  • In the event the insured commits suicide within one year from the effective date of the insurance policy, or upon renewal, or upon reinstatement, or upon the date the company approves the increase of the sum insured only for the additional part, or is murdered by the beneficiary.

BLA ADB 999 rider

The coverage under this rider does not cover any loss or damage arising at the time or in consequence of the following causes:

  • While the insured is driving or riding a motorcycle
  • The acts of the insured while being under the influence of alcohol, addictive substances, or narcotics to the extent that the insured is unable to control consciousness. In the case of a blood test, being "under the influence of alcohol" means having a blood alcohol level of 150 milligrams percent or over.
  • Commit suicide, attempted suicide, or self-inflicted injury
  • While the insured competes in a variety of races such as boat races, horse races, and ski races such as jet ski races, skate races, boxing, and parachute jumping (except survival parachute jumping). While taking off, landing, or traveling in a hot air balloon, or hang glider, bungee jumping, scuba diving with an air tank and underwater breathing apparatus.
  • Back pain caused by a Disc Herniation, Spondylolisthesis, Degenerative Disc Disease, Spondylosis, and Defects or pathologies of the Pars Interarticularis, except if there is a fracture or dislocation of the spine due to accident.

Note

  • This advertising media is only a summary of preliminary benefits. Please read the details of the coverage conditions and exclusions before deciding to purchase any insurance products. The coverage conditions and complete exclusions can be inquired from your agents or from your life insurance policy details.
  • Premium payment is the responsibility of the insured. Premium collection by life insurance agents and brokers is a service only
  • A health declaration is one of the factors for underwriting or benefits payment consideration
  • For maximum benefits from the policy, the insured should pay premiums until the premium payment period completes and hold the policy until its maturity
  • Life insurance premium and health insurance premium (if any) is eligible for tax deduction in accordance with the announcement from the Revenue Department
  • The examples of coverage exclusions under BLA ADB 999 rider are part of the coverage exclusions under BLA ADB 999 rider, and are subject to the insurance’s terms and conditions

For more details, please contact our life insurance agents or financial advisors nationwide.

 02 777 8888 Send us a message