Highlight benefits

Inexpensive Premium

Premium starts from hundred Baht matching for everyone.

Build Security Worth Millions(1)

100% life coverage(2) for lifetime comfort

Whole Life Protection

Pay premium for only 20 years to receive coverage until attaining the age of 99


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"Unexpected Events Happen all the Time" Security will help your family and loved ones overcome obstacles easily. Don’t take life security for granted. Let’s receive coverage worth millions(1)from today by paying only hundreds Baht.

Insurance conditions

Insurable Age

30 days - 70 years old

Coverage Period

Until attaining the age of 99

Premium Payment Period

20 years

Rider Attachment


Health Checkup

According to the Company’s rules

Payment / Benefits

Complete insurance contract

In the event that the insured already knows And false statement Or already know what the actual message is But did not disclose the actual message to the company while requesting insurance Which if the company Know the actual message and may motivate the company To call that higher premium or refusing to make a contract The insurance contract will be void according to Section 865, which the company may tell to clear the contract. And not paying according to the policy Company liability Will only return all premiums paid to the company


1. In case the insured commits suicide by applying within 1 year from the effective date of protection according to the policy Or according to renewal Or according to the return to the status of the last policy Or the date the company Approved to increase the sum insured However, only in the amount of additional insured amount
2. In case the insured is intentionally killed by the beneficiary
3. In the event that the insured declares the wrong age and the company proves that while the insurance contract is valid, the actual age is outside the premium rate limit according to the normal trade of the company.


(1) For minimum sum insured of 1,000,000 Baht
(2) 100% of the initial sum insured or surrender value at that time or accumulated paid premium (whichever is higher)


Buyers should understand the details, coverage and conditions before deciding to make insurance every time.


Q: What is the insurable age for Muang Thai Smart Protection 99/20?
A: The insurable age is 30 days - 70 years old.

Q: What is the minimum sum insured for Muang Thai Smart Protection 99/20?

A: 200,000 Baht.

Q: Is health checkup required?
A: The applicants are required to declare their actual health information to the Company; it is subject to the Company’s rules whether health checkup is required.

Q: Can other riders be attached to this?

A: This can be attached to only specific riders; however, it is in accordance with the underwriting criteria of each rider.

Q: Upon the successful application of this rider, will the premium increase in accordance with the age of the insured?
A: The premium in each policy year remains unchanged (not varying in accordance with age); customers need to make renewal payment before or within 31 days since the premium payment due date.

Q: Is the premium of this rider entitled to tax deduction?
A: Yes, it is entitled to tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 172.

Q: What does the coverage of this insurance plan include?
A: 1. If the insured is alive until the maturity date, the Company shall pay the equivalent amount of the initial sum insured.
2. If the insured passes away within the coverage period, the Company shall pay the beneficiary the amount of the initial sum insured or the surrender value at that time or the paid premium (whichever is higher).

Q: What are the exclusions?
A: 1. In case the insured voluntarily commits suicide within one year (1 year) from the effective date or the latest date of renewal or reinstatement of the insurance policy or the date that the Company approves to increase the sum insured amount, which shall apply to the increasing sum insured amount only.
2. in case the insured is murdered intentionally by the beneficiary.
3. In case the insured declares an incorrect age and the Company can prove that at the time of insurance contract formation, the actual age is outside the premium rate limit according to the normal business practice of the Company.

Warning : Buyer should have an understanding in the details of coverage and conditions every time before making a decision to purchase insurance.

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