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Life insurance is a financial planning tool designed to build security for you and your loved ones. Because life is full of uncertainties, should an unexpected event occur, your beneficiaries will receive a lump-sum benefit equal to the sum assured to help ease your family's financial burden.
In addition to life coverage, a wide variety of insurance plans are available to help you plan your savings, prepare financially for retirement, and enjoy tax deduction benefits of up to 300,000 Baht per year,(1) in accordance with Revenue Department regulations.
Our offerings encompass Whole Life Insurance, Savings Insurance, Annuity Insurance, Unit-Linked Insurance, Universal Life Insurance, Group Life Insurance, and many other options—empowering you to choose a life plan tailored to your financial goals at every stage of life.
Life insurance is categorized into 5 main groups based on coverage characteristics and returns,
with each type suited to different financial objectives.
| Type | Key Features | MTL Sample Plans |
|---|---|---|
| Whole Life Insurance | Provides coverage up to age 90–99. Offers flexible premium payment terms: lifetime or fixed periods such as 1, 5, 7, 10, or 20 years. | Muang Thai Flexi Protection, Muang Thai Lifetime Protection 99/20, Muang Thai Wai Gao Koom Tua Thai (for Seniors) Campaign |
| Savings Insurance (Endowment) | Focuses on structured savings paired with life coverage, returning a lump-sum payout upon policy maturity. | Muang Thai High Return 20/5, Muang Thai Super Saver 25/16, Muang Thai Perfect Saving 11/5 |
| Annuity Insurance | Guarantees post-retirement income starting at age 55, 60, or 65, continuing through the age specified in the policy contract. | Muang Thai 9901 D65 (Tax-Deductible Annuity), Flexi Retire 90/5 D55 D60 D65 (Tax-Deductible Annuity) |
| Unit-Linked Insurance | Combines life protection with investment opportunities for potential higher returns. | mDesign, mOnePlus, mGrow 615 |
| Universal Life Insurance | Guarantees a minimum first-year return of 4%* while providing high protection to support long-term financial planning. | Muang Thai UL Plus |
| Financial Goal | Key Objective | Recommended Plan |
|---|---|---|
| Providing for Loved Ones | Protect your loved ones and pass on financial stability to your family. | Whole Life Insurance |
| Building Savings | Receive a lump-sum payout upon policy maturity while securing life protection. | Savings Insurance (Endowment) |
| Retirement Planning | Secure a steady post-retirement income stream alongside life protection. | Annuity Insurance |
| Maximizing Investment Returns | Invest according to your risk tolerance while maintaining life coverage. | Unit-Linked Insurance |
| Seeking Financial Flexibility | Adjust coverage levels and premium payments to suit your evolving needs. | Universal Life Insurance |
For those purchasing life insurance for the first time, finding the right plan begins with evaluating your personal coverage goals and financial priorities. Consider factors such as your desired death benefit amount, whether you prefer cash bonus payouts, your preferred premium payment period (short-term vs. long-term), and your overall budget to help us recommend the most suitable plan for you:
Whether you are seeking cash bonus, flexible premium payment terms, or solutions tailored to your budget, our goal is to help you find the optimal policy. For a complimentary consultation to discover the plan best suited to your lifestyle, please feel free to contact any Muang Thai Life representative or visit any KASIKORNBANK branch at your convenience.
Life insurance policies offer tax deduction benefits of up to 300,000 Baht per year:
- Premiums paid for life insurance policies with coverage terms of 10 years or more qualify for a tax deduction of up to 100,000 per year Baht (including health insurance premiums up to a maximum of 25,000 Baht).
- Premiums paid for annuity life insurance qualify for an additional tax deduction of up to 200,000 Baht.
1. First and foremost, select a life insurance policy tailored to your specific objectives. If you are unsure about which plan is right for you or how to proceed, you can always consult with our life insurance representatives. Additionally, if you have ongoing financial commitments, choosing a premium level that fits comfortably within your budget without overly straining your daily living expenses is always the best approach.
2. Every policy—whether life, health, or other types of insurance—comes with different terms and conditions. Therefore, you should thoroughly study and understand all policy conditions before making a purchasing decision.
We offer a wide variety of payment methods and channels for life insurance premiums to ensure maximum convenience for our customers. You can [click] to read more details.
The required premium amount depends on the specific coverage plan selected by each individual. For those considering a purchase, we recommend keeping your annual premium payments within 10–15% of your total annual income to prevent unnecessary financial burden.
Many people ask when they should start buying life or health insurance. The best time to begin is when you are young, as premiums are lower and a wider selection of plans is available to match your evolving needs and financial goals.
Life insurance is a financial protection plan primarily designed to provide coverage in the event of death. The insurance company pays a specified amount—known as the "sum assured" or "life coverage benefit"—to the designated beneficiaries or the insured upon the occurrence of an unexpected event outlined in the policy contract. Why should you have life insurance? Because the future is unpredictable. Having life insurance acts as a protective shield that helps secure financial stability for your family and loved ones, even after you are gone. The insurance company provides the contractually specified benefit to your beneficiaries, giving you peace of mind and ensuring your family has reserve funds available for unexpected emergencies.
Muang Thai Life offers 5 main types of life insurance policies, as follows:
Term Life Insurance: A policy providing death benefit coverage exclusively, paying out to designated beneficiaries only if the insured passes away within the specified policy term. The key advantage of term life insurance is its lower premium costs compared to other types, making it ideal for individuals seeking life coverage for a specific period.
Whole Life Insurance: A long-term policy requiring premium payments over a set period—such as 5, 10, 15, or 20 years—while extending coverage up to age 90–99. The main advantage of whole life insurance is providing a guaranteed financial cushion for beneficiaries or family members in the event of an unexpected tragedy.
Endowment Insurance (Savings Insurance): A life insurance policy combined with structured savings. Policyholders receive a lump-sum payout with attractive returns upon policy maturity as specified in the contract. Since life protection is provided over a set term, it is well-suited for those looking to build a financial reserve for the future or retirement alongside life coverage.
Annuity Insurance: A life insurance policy focused on protecting post-retirement income by providing regular, recurring payouts starting from the retirement age specified in the contract. This plan is ideal for individuals planning their post-retirement life.
Unit-Linked Insurance: A policy that combines life coverage with opportunities for investment returns. It offers flexibility, allowing policyholders to customize premium payment terms, coverage duration, and adjust the sum assured. This option suits individuals seeking flexible coverage who understand mutual fund investments and are comfortable with investment risk.
If you are still deciding which life insurance plan to choose, Muang Thai Life offers a wide variety of policies to give you peace of mind—ensuring your loved ones can move forward without financial interruption even when you are gone.
Muang Thai Life recommends Whole Life Insurance as a first policy because it provides long-term coverage without the hassle of frequent renewals. It features fixed premium payment terms, low and stable premiums, and is easily accessible for first-time jobbers.
Today, there is a wide range of senior insurance plans available. We recommend comparing options based on your goals, specific coverage needs, and overall value. For those seeking coverage for their parents, Muang Thai Life highlights the Muang Thai Wai Gao
Koom Tua Thai (for Seniors) Campaign. Available for individuals aged 50–75, it offers up to 25,000 Baht in accident medical expense coverage without cash advance requirements, and up to 3,000,000 Baht in life coverage in the event of accidental death in a public conveyance. Regarding tax deductions, life insurance premiums paid for parents can be claimed up to the actual amount paid, capped at 15,000 Baht per year, provided the parent's net annual income does not exceed 30,000 Baht for that tax year. Note that this tax benefit applies exclusively to biological children; legally adopted children are not eligible
You can purchase life insurance starting from as early as 30 days old, though specific age requirements may vary by policy.
Requirements vary depending on the insurance plan. Some policies may require a medical examination, subject to underwriting considerations by the Company.
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