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Fixed amount in % of the sum
insured amount
Download Product Brochure mDesign
Select a brochure based on your premium payment plan
Unit-Linked mDesign
Protection designed around you
Protection designed around you
with investment opportunities
Choose your premium payment period and plan your protection to suit each stage of life
01
Long-term life coverage
Up to age 99(3)
02
Choose your premium payment period
3, 5 or 10 years
or up to age 99
or up to age 99
03
Maximum life coverage
No limit
and adjustable(4)
04
Confidence with a guarantee
Guaranteed life coverage*
3 times the base policy premium even if the investment value is zero or below subject to specified conditions
Design protection around your life goals
Flexible premium payments, protection and investment choices
Flexible premium payment options
Choose a premium payment option and period that fits your financial plan
Premium payment for 3 or 5 years
Choose the premium payment period that suits your financial plan
Premium payment for 10 years or until age 99
A range of premium payment options to suit your needs
Issue age
Choose suitable coverage subject to the terms of the insurance plan
Increase opportunities for returns
Through investment in mutual funds managed by leading asset management companies
A wide range of quality funds
Choose investment policies and asset management companies that match your investment goals
Enhance your protection with riders
Add health and critical illness coverage subject to the Company’s conditions
*Only for premium payment plans of 3, 5 and 10 years
Remark
mDesign is the marketing name for Muang Thai Unit-Linked 1 Insurance Plan (Regular Premium),
Muang Thai Unit-Linked 99/3 Insurance Plan,
Muang Thai Unit-Linked 99/5 Insurance Plan,
and Muang Thai Unit-Linked 99/10 Insurance Plan.
Download Unit-Linked mDesign Sales Sheet
Select a brochure based on your premium payment plan
How does universal life Insurance
differ from traditional life
insurance and mutual funds?
differ from traditional life
insurance and mutual funds?
Compare coverage, investment, returns, risk and liquidity
General Life Insurance
Universal Life
Unit-Linked
Mutual Fund
General Life Insurance
Universal Life
Unit-Linked
Mutual Fund
Life Coverage
Chance to receive greater
coverage than the sum
insured if the investment
value adjusts upwards.
coverage than the sum
insured if the investment
value adjusts upwards.
Chance to receive greater
coverage than the sum
insured if the investment
value adjusts upwards.
coverage than the sum
insured if the investment
value adjusts upwards.
No life coverage.
Only investment unit
redemption value
Only investment unit
redemption value
Health Coverage
Available
Subject to the policy conditions
and the Company’s criteria
and the Company’s criteria
Available
Subject to the policy conditions
and the Company’s criteria
and the Company’s criteria
Available
Subject to the policy conditions
and the Company’s criteria
and the Company’s criteria
Not available
Tax Deduction
(Tax benefits are subject to the criteria set by the Revenue
Department)
Yes
From the premium of the base-
plan policy, including health rider
premiums
plan policy, including health rider
premiums
Yes
From the entire premium,
including the investment portion
including the investment portion
Yes
Only the expense portion of the
premium (insurance charges +
fees), excluding the investment
portion
premium (insurance charges +
fees), excluding the investment
portion
Yes
Subject to the fund’s criteria
(only RMF, SSF and TESG)
(only RMF, SSF and TESG)
Investment Policy
Invested by the insurance company
Invested by the insurance company
Customer selects the fund
Customer selects the fund
Risk
Low risk
Low risk
Medium to high risk
(depends on the selected fund)
Medium to high risk
(depends on the selected fund)
Return
Certain but low
Guaranteed minimum returns
and potential for higher
returns.
and potential for higher
returns.
Uncertain but with the
possibility of higher/lower
returns.
possibility of higher/lower
returns.
Uncertain but with the
possibility of higher/lower
returns.
possibility of higher/lower
returns.
Liquidity
(Withdrawal)
(Withdrawal)
No (Policy loan required with
interest)
interest)
Partial withdrawal available
Partial withdrawal available
Investment unit redemption
Suitable for
- Seeks life and health coverage
- No expectation of investment returns
- Seeks life and health coverage
- Expects guaranteed returns with an opportunity for higher upside
- Seeks life and health coverage
- Seeks growing investment returns
- Prefers "all-in-one" convenience
- Has investment knowledge
- Willing to accept equity investment risks
- Expects returns aligned with the investment risk level
This document is for sales purposes only. It is legally reserved not to
be reprooduced or modified, partially or wholly. Coverage terms and
conditions are specified in the insurance policy issued to the
policyholder.
Optional Riders Available for Purchase
Enhance your peace of mind with Health and
Critical Illness Riders (UDR).
Critical Illness Riders (UDR).
Health Coverage
Critical Illness Coverage
Accident and Disability Coverage
The coverage period must not exceed the coverage period of the life
insurance policy that this rider is attached to, and only as long as
the investment value is sufficient to pay for the insurance of the
riders. Please study details of coverage, conditions, and exclusions
before making a decision to purchase.
Recommended Video
Things to Know about Unit-Linked
and Universal Life Insurance
and Universal Life Insurance
Understand the conditions, risks, and key considerations before making a decision.
Warning
Please study the details of coverage, conditions and risks before
making a decision to purchase insurance. Past performance of the
fund is not a guarantee of future results. Investors should study
information about mutual funds, especially the investment policy,
risks and fund performance disclosed in various sources or should
request more information from an investment advisor before making
investment decisions. Investors should study information about tax
benefits in the investment handbook.