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  • Investment-Linked (Unit-Linked)

Investment-Linked (Unit-Linked)

Grow your money with life cover.

Choose flexible life cover and invest in funds for higher growth potential. Adjust premiums, switch funds, and add top-ups when you need.

Officially licensed by the OIC
Backed by BTS Group
Trusted by 2M+ customers
15+ years in Thailand

Our Trusted Life Insurance Partner

Trusted life insurers. Smart protection, savings, and retirement — all in one place.

Find your plan with a 1‑minute quiz

Answer 5 quick questions — get instant personalized recommendations

1) What’s your age range?

2) What’s your primary goal?

3) Which tax benefit do you want?

4) How much risk can you take?

5) Do you want a medical check before buying?

Life Protection

Protect what matters most. Ensure your family’s financial security — choose budget-friendly term cover or lifelong protection.

  • High sum insured
  • Value premiums
  • Tax-deductible (hold 10+ years)
Explore Life Protection
Savings & Endowment

Save smart, grow steadily. Turn consistent saving into guaranteed cashbacks, with life cover.

  • Tax deduction up to ฿100,000
  • Annual cashbacks
  • Lump sum at maturity
Explore Savings & Endowment
Retirement Income (Pension)

Plan today for peace of mind. Receive guaranteed income after age 55/60 for a worry-free retirement.

  • Extra tax deduction up to ฿200,000
  • Income ages 55/60–85/90
  • Many plans require no medical check
Explore Retirement Income
Investment-Linked (Unit-Linked)

Flexibly grow wealth by combining life cover with fund investments for higher growth potential.

  • Flexible premiums / sum insured
  • Diverse fund choices
  • Tax-deductible (hold 10+ years)
Explore Investment-Linked

Compare Thailand’s Best Insurance Plans

Filter and compare plans side-by-side to discover steady income options

Find Yourself in These Real-Life Investment-Linked Stories

See how people like you built financial security and achieved their goals with the right Savings & Endowment plan.

Jo (35)

Investor

Wants higher long-term growth potential with built-in protection benefits.

Indicative premium
≈ annual ฿60,000/yr
≈ per month ฿5,000/mo
Best match: AIA Issara Plus (Unit Linked)

Invest in diverse growth funds with life coverage protection. Ideal for investors seeking higher returns and flexibility to adjust portfolios.

Get free quote!

Mark, Expat (38)

Professional Working in Thailand

Needs English support and foreigner eligibility check.

Indicative premium
≈ annual ฿90,000/yr
≈ per month ฿7,500/mo
Best match: AIA Issara Plus (Unit Linked)

Eligible for foreigners with English documentation and advisor support. Ideal for expats building wealth and long-term protection in Thailand.

Get free quote!

Mint (40)

Balanced Saver

Wants steady growth with moderate risk and flexible partial withdrawals.

Indicative premium
≈ annual ฿36,000/yr
≈ per month ฿3,000/mo
Best match: AIA Issara Plus (Unit Linked)

Designed for those seeking stable returns and balanced risk. Allows partial withdrawals and fund rebalancing.

Get free quote!

Bank (45)

Conservative Planner

Focuses on capital preservation and low-risk steady growth.

Indicative premium
≈ annual ฿24,000/yr
≈ per month ฿2,000/mo
Best match: AIA Issara Plus (Unit Linked)

Bond-heavy allocation that protects principal while offering moderate annual growth. Perfect for low-risk investors preparing for retirement.

Get free quote!

Our Rabbit Guide’s Unit-Linked Journey

How Unit-Linked Help You Save on Tax

Build your financial future with guaranteed returns and smart tax benefits.

Life / Savings / Whole / Unit‑linked

Plans held for 10+ years qualify for tax deduction

Maximum Deduction:
per year
฿100,000

Pension / Annuity Plans

With payout from age 55–85/90

Additional Deduction:
per year
฿200,000

Combined Maximum Deduction

When you hold both types of policies

฿100,000
Life/Savings
฿200,000
Pension
฿300,000
Total Deduction
Save up to ฿105,000 in taxes per year (at 35% tax rate)

Financial planning calculator

Make the right decision with our calculator

How Rabbit Care Works With You

We connect you with the best insurers through multiple channels

Assisted by Partner

AIA, Thai Life, Generali, FWD — We connect you directly with our trusted partners.

Assisted by Rabbit Care

Muang Thai Life, Rabbit Life — Our licensed advisors help compare plans and handle applications.

Non Assisted

Rabbit Life — Purchase directly online, with advisor support available anytime.

Why Choose Rabbit Care for Life Insurance

Trusted by over 2 million customers across Thailand

Licensed Life Insurance Consultants

OIC-certified professionals you can trust

Best price and transparent advice

No hidden fees, clear comparisons

Fast, hassle-free application

Get covered in minutes, not days

Multilingual support (TH/EN)

Speak in your preferred language

Backed by BTS Group

Award-winning service and reliability

What Customers Say About Rabbit Care

Trusted by 2M+ customers across Thailand
4.6/5

Gave great advice and helpful solutions with a positive attitude. Very good at problem-solving.

Treerayut Majula
November 2024

The system is very fast. No long waiting time.

Weraya Sunanta
March 2025

Excellent service staff — quick to follow up, answers questions directly, and very friendly and courteous.

Mmm ThMmm
August 2024
Read More Reviews

Flexible Payment Options

Payment options vary by insurer

You can choose from multiple payment methods to complete your purchase.

Note: This table shows installment options for Thai credit card only

Insurance Partner Semi-Annual Quarterly Monthly 10 Month Installment
AIA
FWD
Generali
Rabbit Life
Thai Life
MTL
* 10 Month Installment: Thai credit card only

We Offer More Than Just Life Insurance

Explore other insurance products trusted by millions of customers

Get in Touch With Our Licensed Life Consultants

We're here to help you find the perfect insurance plan

FAQ

  • Understanding Unit Linked Insurance Plans

  • Best Unit Linked Plans in Thailand for Long-Term Investment

  • Comparing Unit Linked and Endowment Insurance

  • Unit Linked Insurance with Guaranteed Returns

  • Investing in Unit Linked Insurance for Retirement

  • Additional Considerations

  • Flexible Life Insurance with Investment

What Is a Unit Linked Insurance Plan?

A Unit Linked Insurance Plan is a financial product that combines life insurance coverage with investment opportunities. A portion of the premium paid goes toward providing life insurance, while the remaining amount is invested in various funds such as equity, debt, or a mix of both. This structure allows policyholders to benefit from potential market-linked returns while ensuring financial protection for their loved ones.

How Do Unit Linked Plans Work?

When you invest in a unit link, your premium is divided into two parts: one for life insurance coverage and the other for investment in chosen funds. These funds are managed by professional fund managers, and you can switch between them based on your risk appetite and market conditions. Unit linked insurance typically has a lock-in period of five years, during which you cannot withdraw your investment.

Key Features of Unit Linked Insurance:

  • Investment Flexibility: Choose from a variety of funds (equity, debt, hybrid) based on your risk tolerance.
  • Switching Option: Ability to switch between funds to align with changing market conditions.
  • Tax Benefits: Eligible for tax deductions under Section 80C of the Income Tax Act.
  • Partial Withdrawals: After the lock-in period, you can make partial withdrawals as per the policy terms.
  • Transparency: Access to detailed information about fund performance and associated charges.