กำลังโหลดหน้าเว็บไซต์
รอสักครู่น้า
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.
More reassurance with health and CI riders with fixed premium rate throughout the contract period (UDR Rider), for example,
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 | 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 |
• 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.
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