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  • Life Retirement Insurance

Retirement Income (Pension / Annuity)

Guaranteed yearly income for life’s next chapter.

Pay for a few years, then receive income every year from age 55/60 through 85/90. Eligible premiums can reduce your tax.

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

Our Trusted Life Insurance Partners

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

Choose Your Path

Not all life insurance is the same. Choose the type that fits your life and financial goals.

Start Income at 55

Begin yearly income at 55 to bridge early retirement.

  • Early start
  • Tax (up to ฿200k)
See age‑55 start plans

Start Income at 60

Standard retirement start; steady income to 85/90.

  • Popular
  • Tax (up to ฿200k)
See age-60 start plans

Pay 5–7 Years (Short‑Pay)

Finish paying earlier; lock in future pension.

  • Short‑pay
  • Budget control
  • Tax
See 5/7‑year pay

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 Retirement Income Plans

Filter and compare plans side-by-side to discover steady income options that help you enjoy a worry-free retirement.

Find Yourself in These Real-Life Stories

See how people like you found the perfect insurance plan

Oil (38)

Planner

Wants to optimize tax savings now while securing future pension income.

Indicative premium
≈ annual ฿100,000/yr
≈ per month ~฿8,333/mo
Best match: FWD Pension 85/7

Pay premiums for 5–7 years to lock tax deductions now and build retirement income early. Ideal for late-30s professionals who want to start setting up a stable “post-60 passive income” while income is still growing.

Get free quote!

Mr. John (42), Expat

Professional Working in Thailand

Wants retirement coverage with English support and eligibility for foreigners.

Indicative premium
≈ annual ฿100,000/yr
≈ per month ~฿8,333/mo
Best match: FWD Pension 85/7

Pay premiums for 7 years and start receiving pension income from age 60. Ideal for expats who want long-term stability, English support, and tax benefits aligned with Thai tax rules.

Get free quote!

Gigi (45)

Executive

Wants guaranteed income after retirement and maximum tax benefits.

Indicative premium
≈ annual ฿200,000/yr
≈ per month ~฿16,667/mo
Best match: FWD Pension 85/7

Pay premiums for 7 years to maximize tax benefits and set retirement income as your “second salary.” Ideal for high-income executives who want to optimize tax and secure future passive income.

Get free quote!

P’Anan (55)

Late Saver

Wants steady income after retirement but has limited budget.

Indicative premium
≈ annual ฿80,000/yr
≈ per month ~฿6,667/mo
Best match: FWD Pension 85/7

Pay premiums for 5–7 years without long budget commitment and quickly set up income from age 60 — without complex planning. Ideal for late starters who still want clear, reliable retirement income in old age.

Get free quote!

Pension Insurance: Pay Now, Receive Income Every Year at 55/60

How Life Insurance Helps You Save on Tax

Maximize your deductions and keep more of your hard-earned money

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 Pension 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 Retirement Insurance

  • Planning and Importance

  • Types of Plans and Income

  • Tax and Financial Benefits

  • Advanced Considerations

  • Featured Retirement Insurance Plans

What is a pension insurance policy?

A pension insurance policy, often called retirement insurance, is a life insurance plan designed to provide financial security during your retirement years. Unlike standard life insurance, which primarily focuses on death benefits, pension insurance accumulates savings and offers regular payouts after retirement. This type of insurance ensures that you have a steady income to cover living expenses, healthcare, and lifestyle needs in your golden years.

What is retirement insurance?

Retirement insurance is a specialized life insurance product aimed at helping individuals prepare financially for retirement. It combines savings and insurance benefits, providing not only life coverage but also the ability to grow your funds over time. When you retire, it can generate periodic payments, acting as a supplementary income stream alongside other retirement savings like pensions or government benefits.

How does retirement insurance work?

Retirement insurance works by allowing you to pay regular premiums during your working years. These premiums are invested in a mix of fixed and variable income instruments, depending on the policy type. Over time, your savings grow with interest or investment returns. Upon reaching retirement, the policy pays out in the form of annuities or lump-sum payments, ensuring a reliable income stream that can help maintain your standard of living.