Highlight benefits

Potential for upside gain

from GS Momentum Builder® Multi-Asset 5S ER Index

Guaranteed benefits

Receiving a guaranteed cash bonus and paid premiums

Make investing easy

by Goldman Sachs

Enquiry

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A new 3-in-1 policy offering life coverage, guaranteed cash bonus and upside gain from dividend through GS Momentum Builder® Multi-Asset 5S ER Index regardless of economic situation

Insurance conditions

Insurable age

30 days - 60 years old

Coverage Period

17 years

Premium Payment Period

7 years

Premium Payment

Annual

Health Checkup

Not required and no health questions*

Rider Attachment

Not allowed

Payment / Benefits

Remarks

Premium of this insurance plan is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 172.
*Underwriting is subject to Company’s rules.  

Warning/Key matters of investment instruments

● In the event that an index calculation agent of GS Momentum Builder® Multi-Asset 5S ER Index cancels the index calculation, the Company reserves the rights to replace it with a new appropriate index. In case of failure of replacement, the Company shall make payment in cash at the earliest convenience.
● The Company has a policy to invest in the index within 45 days after the date of policy issuance. The last index valuation shall be calculated within 45 days before maturity date of the insurance contract.
● Dividend calculated based on GS Momentum Builder® Multi-Asset 5S ER Index contains foreign exchange risk as the index is in USD currency. Thus, a risk on foreign exchange volatility of THB currency and USD currency may exist. However, the policyholder will still receive full amount of conditional cash bonus once reaching contract maturity as the conditional cash bonus has no foreign exchange risk.

Validity of Insurance Contract

 In case that the insured knowingly makes false statement or knowingly omits to disclose any fact to the Company for acknowledgement while applying for the insurance, where if the Company had known of such fact, the Company may be induced to charge higher premium or refuse to enter into the insurance contract, then this insurance contract will be voidable according to Section 865 of the Civil and Commercial Code which the Company has the right to void the insurance contract and not to make any policy payment. The Company's liability will be limited to returning all premium paid to the Company.

Exclusions

1. In case the insured voluntarily commits suicide within one year from the effective date of the insurance policy or the date that the Company approves to increase the sum insured amount which shall apply to the increasing sum insured amount only
2. In case the insured is murdered intentionally by the beneficiary
3. In case the insured declares an incorrect age and the Company can prove that at the time of insurance contract formation, the actual age is outside the premium rate limit according to the normal business practice of the Company

FAQ

Q: How is Muang Thai Smart Linked 17/7 (Global) different from ordinary products and unit-linked products?
A: It is an endowment product which guarantees cash bonus based on policy benefits. If customers stay until maturity, they will receive special dividend (if any). The dividend is subject to the performance of index.

Q: Who is the target group of Muang Thai Smart Linked 17/7 (Global)?
A: It is suitable for beginner investors who are looking for low risk investment that guarantees pricinpal or those who do not have time to monitor a market situation and require an investment assistant.

Q: Does Muang Thai Smart Linked 17/7 (Global) guarantee principal?
A: It guarantees principal if customers stay until maturity. The Company shall pay guaranteed benefits of 740% of initial sum insured, which are more than all of the premiums paid by customers. Meanwhile, customers may have a chance to receive special dividend (if any).

Q: What are risks of Muang Thai Smart Linked 17/7 (Global)?
A: 1. Investment risk: Return might not be as expected. Actual return might deviate from expected return. However, GS Momentum Builder® Multi-Asset 5S ER Index mitigates risk by diversifying the investment portfolio across different asset classes and countries for lower volatility and better return.

2. Exchange rate risk: Dividend calculated based on GS Momentum Builder® Multi-Asset 5S ER Index contains foreign exchange risk as the index is in USD currency. Thus, a risk on foreign exchange volatility of THB currency and USD currency may exist. However, the policyholder will still receive full amount of conditional cash bonus once reaching contract maturity as the conditional cash bonus has no foreign exchange risk.

Q: How can customers monitor the performance?
A: Customers can monitor the performance from the Company's website.

Q: Does Muang Thai Smart Linked 17/7 (Global) charge any cost?
A: No

Q: Can customers pay premium of Muang Thai Smart Linked 17/7 (Global) by credit card?
A: Yes, customers can pay premium by credit card.

Q: Why Goldman Sachs?
A: Goldman Sachs is one of the most largest and trustworthy financial institutions in the United States and in the world. It has been providing a variety of financial services for more than 150 years.

Q: If customers cancel the contract before maturity, will they get dividend?
A: In case of cancellation before maturity, the customers will not receive any dividend (if any).

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