Life insurance which completely fulfills your needs
Entry age from 30 days - 75 years old
Coverage Until 99 years old(3)
Premium payment up to age 99
Opportunity to return on investment
stop paying premiums
Tax Deductible(2)
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Office Hours Mon - Fri 8.30am - 8.00pm
Life insurance which completely fulfills your needs, guarantees 4%* of minimum return rate in the first year, allows you to choose high coverage and creates long-term financial plan as a legacy, and provides tax deduction benefit.
The conditions specified in the policy and underwriting consideration are in accordance with
the company's criteria.
Remark *Minimum return for calculation of investment value
**Premium of this insurance plan is eligible for personal income tax deduction according to the Notification of the
Director-General of the Revenue Department .
- Muang Thai UL Plus is a marketing name of Muang Thai Universal Life 1 Insurance.
Example of Investment Allocation
Muangthai UL Plus
Data as of 30 December 2024
Average rate of return (%)
Rate of return (%)
Month
Data as of 28 February 2025
*The returns shown are the investment returns from the monthly investment portion announced before deducting insurance-related expenses.
Note :
- Past performance of the fund does not guarantee future results. Policyholders should study and understand the details of coverage, conditions, and exclusions before deciding to purchase insurance.
- You can check investment values on the MTL Click Application or call 1766, press 6.
- Muang Thai UL Plus is the marketing name for the Muang Thai Universal Life 1 policy, which has had its conditions and investment policy changed for new sales from June 2021 onwards
Top 5 Fixed Income
Investment Proportion
Government bond
21.70%
Government bond
14.60%
Government bond
12.20%
Government bond
9.90%
SCG CHEMICALS PUBLIC COMPANY LIMITED
9.10%
Top 5 Equities
Investment Proportion
SAPPE PUBLIC COMPANY LIMITED
1.50%
SYNNEX (THAILAND) PUBLIC COMPANY LIMITED
1.60%
COM7 PUBLIC COMPANY LIMITED
1.50%
AMATA CORPORATION PUBLIC COMPANY LIMITED
1.30%
KRUNG THAI BANK PUBLIC COMPANY LIMITED
1.20%
Historical Returns of Muang Thai UL Plus
Period
First Policy Year Return
Average Portfolio Return
Feb 2025
0.32 %
0.10 %
Last 3 months
1.12 %
0.44 %
Last 6 months
3.42 %
2.04 %
Last 1 year
6.62 %
3.75 %
Last 3 years
7.01 %
Last 5 years
Since launch*
6.60 %
Data as of 28 February 2025
*The returns shown are the investment returns from the monthly investment portion announced before deducting insurance-related expenses.
Note :
- Past performance of the fund does not guarantee future results. Policyholders should study and understand the details of coverage, conditions, and exclusions before deciding to purchase insurance.
- You can check investment values on the MTL Click Application or call 1766, press 6.
- Muang Thai UL Plus is the marketing name for the Muang Thai Universal Life 1 policy, which has had its conditions and investment policy changed for new sales from June 2021 onwards.
Historical Returns
Month
Monthly Return of the First Policy Year*
Portfolio Return
February
2025
0.32
%
0.10
%
January
2025
0.35
%
0.11
%
December
2024
0.46
%
0.23
%
November
2024
0.33
%
0.11
%
October
2024
0.92
%
0.69
%
September
2024
1.01
%
0.79
%
August
2024
0.54
%
0.31
%
July
2024
0.69
%
0.47
%
June
2024
0.47
%
0.24
%
May
2024
0.47
%
0.23
%
April
2024
0.34
%
0.11
%
March
2024
0.54
%
0.30
%
February
2024
0.38
%
0.16
%
January
2024
0.62
%
0.39
%
December
2023
1.12
%
0.91
%
November
2023
1.69
%
1.50
%
October
2023
0.74
%
0.52
%
September
2023
0.35
%
0.12
%
August
2023
0.37
%
0.13
%
July
2023
0.47
%
0.24
%
June
2023
0.32
%
0.08
%
May
2023
0.49
%
0.25
%
April
2023
0.32
%
0.08
%
March
2023
0.57
%
0.35
%
February
2023
0.30
%
0.08
%
January
2023
0.81
%
0.58
%
December
2022
0.90
%
0.69
%
November
2022
1.57
%
1.40
%
October
2022
1.41
%
1.21
%
September
2022
0.33
%
0.10
%
August
2022
1.17
%
0.96
%
July
2022
1.43
%
1.43
%
June
2022
0.67
%
0.67
%
May
2022
4.06
%
4.06
%
April
2022
0.32
%
0.32
%
March
2022
0.56
%
0.56
%
February
2022
0.38
%
0.38
%
January
2022
0.33
%
0.33
%
December
2021
0.42
%
0.42
%
November
2021
0.48
%
0.48
%
October
2021
0.33
%
0.33
%
September
2021
0.40
%
0.40
%
August
2021
0.23
%
0.23
%
Data as of 28 February 2025
*The returns shown are the investment returns from the monthly investment portion announced before deducting insurance-related expenses.
Note :
- Past performance of the fund does not guarantee future results. Policyholders should study and understand the details of coverage, conditions, and exclusions before deciding to purchase insurance.
- You can check investment values on the MTL Click Application or call 1766, press 6.
- Muang Thai UL Plus is the marketing name for the Muang Thai Universal Life 1 policy, which has had its conditions and investment policy changed for new sales from June 2021 onwards
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.
Comparison of Ordinary Life Insurance, Unit-Linked, Universal Life and Mutual Fund
Comparison
General Life
Insurance
Unit-Linked
Universal Life
Mutual Fund
Coverage
Fixed amount in % of the sum insured
amount
Chance to receive greater 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.
No life coverage (only investment
unit redemption value)
Health
Able to purchase health riders
Subject to the Company's
conditions
Unable to purchase health riders
Benefits to the Heirs
Directly payable to the
heirs (named beneficiaries)
Must establish an inheritance fund/
administrator of an estate, or proceed through the court which can be complicated and
time-consuming.
Investment Policy
Investment by the Company
Investment by the customer
Investment by the Company
Investment by the customer
Return/Risk
• Certain but low • Low risk
• Uncertain but with the possibility of
higher/lower returns • Medium to high risk (depends on the selected fund)
• Guaranteed minimum returns and
potential for higher returns. • Low risk
• Uncertain but with the possibility of
higher/lower returns • Medium to high risk (depends on the selected fund)
Tax Benefits •
Personal Income Tax
Premium of the base policy + premium of
health riders
Only the premium portion for expenses
(cost of insurance + fees), excluding the investment portion
Premium
Based on the criteria of the funds
(only RMF, SSF and TESG)
Withdrawal(Liquidity)
No Policy loan required (with
interest)
Partial withdrawal available
Investment unit redemption
Flexibility
-
Coverage adjustment, premium
holiday and top-up premium
Fund switching
Expense Disclosure
Not explicitly disclosed
Explicitly disclosed
Suitable for
Those who need life and health coverage
without expecting investment returns
Those who are looking for convenience,
an all-in-one solution for both life and health coverage, with the expectation of substantial
investment returns
Those who need life and health coverage
with guaranteed returns, along with the opportunity for potentially higher returns.
Those who have investment knowledge and
can tolerate investment risks as well as expecting returns according to the risk acceptance
level
Remarks Tax
benefits are according to the criteria specified by the Revenue Department.
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.
Things to know about
unit-linked and universal life insurance
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.
(1) The minimum return used to calculate the investment value. (2) Life insurance premium of this insurance is eligible for personal income tax deduction. Conditions are as specified by the Revenue Department.
- Muangthai UL Plus is the marketing name of Muangthai Universal Life 1 Insurance Plan.