Pick protection that fits: budget-friendly Term Life for a set period, or Whole Life (incl. Senior easy-issue) for lifetime cover.
Who it’s for: age 50–75 who want fast approval, no health questions, quick peace-of-mind cover.
Choose Term Plan: AIA Senior OK, Generali Senior 55, Thai Life Sungwai Meesub, Thai Life Sungwai Raikangwon
Who it’s for: 55+ looking for protection + steady returns in the same plan.
Choose Whole Plan: Generali Senior So Good
Who it’s for: families / professionals who want lifetime cover + savings buildup with affordable premiums.
Choose Whole Plan: MTL Smart Protection 99 / 20
Who it’s for: high-net-worth executives who want lifetime cover + tax-efficient wealth transfer for heirs.
Choose Whole Plan: MTL Whole Life 99 / 99 (Premier)
First Job
Just starting her career, Ploy wants the highest protection per baht to secure herself and her family on a limited budget.
Indicative premiumAffordable premium, long-term life coverage — ideal as the first layer of financial protection for young professionals.
New Parent
A working mom balancing mortgage and childcare responsibilities, looking for long-term protection with critical illness coverage.
Indicative premiumLife + critical illness protection in one plan — giving peace of mind for the whole family.
A foreign professional living in Thailand
Looking for a straightforward life plan with full English-language service.
Indicative premiumComprehensive lifetime protection with English documents — ideal for long-term expats who want clarity and confidence.
Retiree
A retiree who prefers a simple plan that’s easy to apply for — no medical check-up required.
Indicative premiumCover up to age 90, affordable premium, easy to apply — peace of mind in retirement.
Term vs Whole: Which Protection Fits You?
Plans held for 10+ years qualify for tax deduction
With payout from age 55–85/90
When you hold both types of policies
Financial planning calculator
AIA, Thai Life, Generali, FWD — We connect you directly with our trusted partners.
Muang Thai Life, Rabbit Life — Our licensed advisors help compare plans and handle applications.
Rabbit Life — Purchase directly online, with advisor support available anytime.
Gave great advice and helpful solutions with a positive attitude. Very good at problem-solving.
The system is very fast. No long waiting time.
Excellent service staff — quick to follow up, answers questions directly, and very friendly and courteous.
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 | ||||
Learn More About Life Insurance in Thailand
FAQ
Most insurers require at least basic health declarations. For higher sums assured or older age entry, a medical exam may be required. However, expat-friendly plans exist with “no medical exam” underwriting, especially within certain premium/coverage limits. Your advisor will check eligibility and method (clinic visit, home nurse visit, or no-exam simple declaration) case-by-case.
Standard exclusions in Thailand include: pre-existing serious conditions not disclosed during application, high-risk occupations, war-risk, and claims caused by illegal activities. Each insurer may have specific country/travel restrictions. Always review the English PDS or bilingual policy wording before signing.
Life insurers in Thailand typically apply a suicide exclusion period of 1 year from the policy start date (or reinstatement). If suicide occurs within that period — benefits are not payable. After the period ends, suicide is generally covered.
Most Thai life policies have a 2-year contestability period. Within this period, the insurer can investigate misrepresentation or material non-disclosure in the application. After 2 years, the insurer cannot void the policy for innocent mistakes — only for intentional fraud.
A protection insurance policy is designed to provide financial security for your loved ones in the event of your passing. Unlike savings or investment-oriented policies, protection life insurance focuses solely on offering a death benefit to beneficiaries. This ensures that dependents are not burdened with funeral costs, outstanding debts, or other financial obligations.
Protection insurance operates on a straightforward principle: you pay regular premiums to the insurance company, and in return, they promise to pay a lump sum (the death benefit) to your beneficiaries upon your death. The amount of coverage and the cost of premiums depend on factors such as your age, health, and the type of policy chosen.
