TMB Smart Life 15/8

 

Benefit

  • Guarantee total benefit: 250% of face amount
    • Cash return of 5% of face amount at the end of policy years 3-14 (a total of 12 times equal to 60% of face amount).
    • Maturity benefit of 190% of face amount at the end of 15th policy year.
  • Death benefit up to 220% of face amount.
  • Insurance premium paid is eligible for personal income tax deduction up to 100,000 Baht per year*
  • WP free**: For insured ages 16-64, in case of permanent disability before age 65, ING Life will be responsible for future premium payments of TMB Smart Life 15/8 premium until maturity date. The insured will continue to receive the benefits of this product.
  • Life insurance product is made available from ING Life Limited.
  • For more information, please contact TMB branches nationwide, TMB Phone Banking 1558 or ING call center 0-2632-6000.
  • The information contained herein is provided as preliminary information only and does not form any part of the insurance contract. The coverage purchased, terms and conditions as well as benefits thereof shall be as stipulated in the policy contract.

* Refer to Notification of the Director-General of the Revenue Department No.172
** WP free (standard risk only) is for insured ages 16-64 years and depends on ING Life’s underwriting conditions

 

Example of Benefit and Coverage Female age 35 years
(unit: Thai Baht)
Face Amount   100,000 300,000 500,000 1,000,000
Annual premium   25,700 77,100 128,500 257,000
(1) Total premium (8 years)   205,600 616,800 1,028,000 2,056,000
Survival Benefits          
(2) Cash return 5% of face amount at the end of years 3-14 (a total of 12 times)   60,000 180,000 300,000 600,000
(3) Maturity benefit 190% of face amount   190,000 570,000 950,000 1,900,000
(4) Total survival benefits (2)+(3) 250,000 750,000 1,250,000 2,500,000
(5) Total survival benefits - total premium paid (4)-(1) 44,400 133,200 222,000 444,000
Death benefit during years          
- 1-3 100% 100,000 300,000 500,000 1,000,000
- 4 110% 110,000 330,000 550,000 1,100,000
- 5 135% 135,000 405,000 675,000 1,350,000
- 6 165% 165,000 495,000 825,000 1,650,000
- 7 190% 190,000 570,000 950,000 1,900,000
- 8-15 220% 220,000 660,000 1,100,000 2,200,000

Underwriting Conditions

  • Issue Ages: 1 month and 1 day – 65 years
  • Coverage period : 15 years
  • Premium Payment Period: 8 years
  • Minimum Face Amount: 100,000 Baht
  • Premium Rate per 1,000 Baht Face Amount:
    - Age 1 month and 1 day - 40 years: 257 Baht
    - Age 41-55 years: 265 Baht
    - Age 56-65 years: 270 Baht

Premium Payment Conditions

Customer can pay initial premium via the following channels:

  • Cash or cheque via TMB counter
  • TMB direct debit
  • TMB Credit card
Remark : The broker only receive premium from the insured as a service provided to its customers. Premium payment is still the responsibility of the insured.
  • ที่ตั้งสาขา
  • ติดต่อสอบถาม
  • TMB Phone Banking
E-Newsletter Subscription