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Value Protection 25/15

This Insurance Policy is offered by Thai Life Insurance Public Company Limited 

ICBC (Thai) is a licensed life insurance broker.

Bank will provide any services and be responsible for life insurance broker only.


Savings for Future Plan

Higher value with refund at year end up to 600%* life coverage in case of the death by accident
• Annual Cash Return at 3%* per year
• 312%* at Maturity
• Death Coverage up to 600%*
• Tax reduction in case of the death by accident
(Not including Insurance Premium in part of additional coverage in case of the death by accident)
*of Sum Assured

For financial plan coverage with high return savings plan along with additional accident coverage
Future Savings Plan
• Cash Return at the end of every policy year at 3% of Sum Assured
From 1st Policy Year up to the year prior to maturity
• At maturity, Lump Sum 312% of Sum Assured
• Death Coverage up to 300% of Sum Assured
From the beginning date of policy
• More coverage of the death by accident
Additional 300% of Sum Assured (1st – 15th Policy Year)
• Higher Privilege
e.g. Thai Life Hotline service provides emergency, medical and travel assistance services for 24 hours worldwide to every insurance policy

• Insurance Term up to 90 years of age
• Insurance Premium Payment 5 years
• Male/Female aged 20-60 years
• Sum Assured of THB 100,000 minimum and up to 1 MB maximum
• Premium Payment on quarterly / semi-annual / annual basis
• Annual Insurance Premium Rate as per THB 1,000

Age Male Female
20 – 40 years THB 185 THB 175
41 – 50 years THB 190 THB 185
51 – 60 years THB 210 THB 195

Sample of Benefits for Male Insurer aged 30 years with THB 1,000,000 Sum Assured and 15-year Premium Payment

Policy Year Annual Premium Annual Paid-up Policy Death Coverage (THB) Additional Coverage in case of the Death by Accident (THB)
% of Sum Assured Amount
1 185,000 3% 30,000 3,000,000 3,000,000
2 185,000 3% 30,000 3,000,000 3,000,000
3 185,000 3% 30,000 3,000,000 3,000,000
4 185,000 3% 30,000 3,000,000 3,000,000
5 185,000 3% 30,000 3,000,000 3,000,000
12 185,000 3% 30,000 3,000,000 3,000,000
15 185,000 3% 30,000 3,000,000 3,000,000
16 - 3% 30,000 3,000,000 -
25 - 312% 3,120,000 3,000,000 -
Total 2,775,000 384% 3,840,000    

Benefit Summary

Total Return on 1st – 24th Policy Year at THB 30,000/year THB 720,000
Return at Maturity THB 3,120,000
Total Benefits throughout Contract THB 3,840,000
Benefit over Premium THB 1,065,000


1.Value Protection 25/15 is the marketing name. The name in policy will be shown as “ไทยธนทวี 25/15”
2.For optimum benefit of the insured, the insured should keep policy in force until its maturity. The benefit will be paid under policy condition without tax deduction. No creditor is entitled to part or all policy benefits, except amounts of premium paid.
3.Premium payment is an insured’s responsibility. ICBC (Thai) as a life insurance broker, premium collection by Bank is only additional service provide. The insured is able to pay renewal premiums through various channels such as Thai Life’s branch offices, ICBC (Thai) counters, post offices, counter service, other banks, etc. For more information, please read from the policy booklet.
4.Life insurance premium is eligible for tax-deductible for actual amount paid but not exceeding 100,000 bath per year. (According to the revenue department director’s announcement No.172)
5.The applicant should study policy provisions thoroughly before applying for insurance and must make the correct declaration at the time of application.
6.Information in this proposal is only the basic information which used in the selling process only. You should study for more information about coverage, terms and conditions, and the benefit from insurance policy.

  Any further questions, Please contact Thai Life Insurance (Tel 02247 0247)