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UL Th 720x800

Muangthai UL Plus

Get both life insurance protection and investment opportunities

Highlights

Customizable life insurance tailored to your needs

Customizable life insurance tailored to your needs

Tax-deductible <sup>(1)</sup>

Tax-deductible (1)

Opportunity for higher coverage grown from your investment value

Opportunity for higher coverage grown from your investment value

Plan Overview

Entry age: 30 days - 75 years old

Entry age: 30 days - 75 years old

Coverage: Long-term coverage until age 99 <sup>(2)</sup>

Coverage: Long-term coverage until age 99 (2)

Premium payment: Up to age 99

Premium payment: Up to age 99

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Office Hours Mon - Fri,
8.30am - 8.00pm
Universal Life Insurance - a new form of life insurance
with the potential to grow in value, fitting every stage of life
Life insurance you design yourself
Fits every life stage - for life coverage, for
saving, for health coverage.
Adjustable life insurance(3)
Flexible terms - adjustable throughout the entire policy period.
Increase or decrease life coverage.
Increase, decrease, or pause (4)premium payments.
Add top-up savings or make partial investment withdrawals(4)
Maximize Value
Eligible for tax deduction of up to 100,000 Baht (1)
Enhance Peace of Mind with Riders
Health, critical illness, and accident riders.
See available riders
Guaranteed minimum return rate (for investment value)
4%
per year
for the first policy year
1%
per year
starting from the second policy year onwards
Example :
  • Actual investment return lower than the annual guaranteed rate = you receive the annual guaranteed rate.
  • Actual investment return higher than the annual guaranteed rate = you receive the actual return.
How It’s Calculated
Minimum Premium
  • Annually: 10,000 Baht
  • Semi-annually: 5,000 Baht
  • Quarterly: 3,000 Baht
  • Monthly: 1,000 Baht
How does Universal Life Insurance differ from
traditional insurance or investments?
Compare your options
(1)
Criteria are subject to the conditions set by the Revenue Department.
(2)
As long as the investment value is sufficient to cover the policy charges. As long as the investment value is sufficient to
cover the policy charges.
(3)
Subject to the conditions of the insurance plan.
(4)
Pausing premium payments, as well as making partial withdrawals of the investment value from the policy, may result in reduced benefits and coverage. Pausing premium payments, as well as making partial withdrawals of the investment value from the policy, may result in reduced benefits and coverage.

Example of Investment Allocation
Muangthai UL Plus
Average rate of return (%)
Rate of return (%)
Month
*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 LB353A
9.4%
Bank of Thailand bond BOT27NA
4.2%
Inflation Linked Bond ILB283A
5.4%
Bank of Thailand bond CBF27315
5.3%
Government bond LB365A
3.7%
Top 5 Equities
Investment Proportion
NASDAQ 100 ETF
11.7%
South Korea ETF
3.3%
EURO STOXX 50
1.2%
STOXX Europe 600 Banks
0.9%
Global X China EV and Battery ETF
0.5%
Historical Returns of Muang Thai UL Plus
Period
First Policy Year Return*
Average Portfolio Return*
29 June 2026
2.59 %
2.40 %
Last 3 months
6.38 %
5.78 %
Last 6 months
8.73 %
7.41 %
Last 1 year
11.59 %
8.70 %
Last 3 years

6.13 %
Last 5 years


Since launch*

6.97 %
*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
June 2026
2.59 %
2.40 %
May 2026
1.90 %
1.71 %
April 2026
1.75 %
1.56 %
March 2026
0.84 %
0.61 %
February 2026
0.89 %
0.70 %
January 2026
0.46 %
0.23 %
December 2025
0.33 %
0.08 %
November 2025
0.65 %
0.42 %
October 2025
0.38 %
0.15 %
September 2025
0.36 %
0.13 %
August 2025
0.50 %
0.26 %
July 2025
0.39 %
0.15 %
June 2025
0.45 %
0.24 %
May 2025
1.13 %
0.90 %
April 2025
0.86 %
0.64 %
March 2025
0.35 %
0.12 %
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 %
*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

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How does universal life Insurance
differ from traditional life
insurance and mutual funds?
General Life Insurance
Universal Life
Unit-Linked
Mutual Fund
General Life Insurance
Universal Life
Unit-Linked
Mutual Fund
Life 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 Coverage
Available
Subject to the policy conditions
and the Company’s criteria
Available
Subject to the policy conditions
and the Company’s criteria
Available
Subject to the policy conditions
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
Yes
From the entire premium,
including the investment portion
Yes
Only the expense portion of the
premium (insurance charges +
fees), excluding the investment
portion
Yes
Subject to the fund’s criteria
(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.
Uncertain but with the
possibility of higher/lower
returns.
Uncertain but with the
possibility of higher/lower
returns.
Liquidity
(Withdrawal)
No (Policy loan required with
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).
Health Coverage
Elite Health Plus Rider (UDR)
D Health Lite Rider (UDR)
Smart Health Rider (UDR)
Extra Care Plus Rider (UDR)
Extra Care Rider (UDR)
Hospital and Surgical Benefit Health
Rider (H&S) (UDR)
Health Care Plus Rider (UDR)
OPD Maochai Rider (UDR)
Critical Illness Coverage
CI Perfect Care Rider (UDR)
CI31 Rider (UDR)
Care Plus Rider (UDR)
Accident and Disability Coverage
PA Rider (UDR)
Total and Permanent Disability Rider (TPD) (UDR)
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.
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.

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.