iLink (Unit Linked)

iLink (Unit Linked)

When investment linked life insurance not only focus investment itself

HIGHLIGHT

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Coverage up to 280 times of regular protection premium
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Flexible coverage
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Add financial value with lump sum top-up premium since 1st policy year onward
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Protect every aspect of your life with various coverage from Unit Deducting Rider, answer every needs all-in-one policy

iLink (Unit Linked)
COVERAGES/BENEFITS

iLink (Unit Linked)
Issue Age
  1 month - 70 years old
Premium Payment Period
  Until age 85 years old
Coverage Period
  Until age 85 years old
Premium
 Regular Protection Premium (RPP)
  •  Minimum : 18,000 baht per year and cannot increase later on
  •  Maximum : No limit
 Lump Sum Top-Up Premium (LSTU)
  •  Minimum : 10,000 per time and can top-up since 1st policy year onward
  •  Maximum : Depends on company criteria
Policy Charges
 1. Premium Charge
Regular Protection Premium (RPP)  Lump Sum Top-Up Premium (LSTU)
Year 1 
55%  1.25% per time
Year 2 
40% 1.25% per time
Year 3 
20% 1.25% per time
Year 4 
10% 1.25% per time
Year 5 
5% 1.25% per time
Year 6 onward 
- 1.25% per time

 2. Monthly Charges  
    2.1 Cost of insurance: calculate from Thailand Mortality Ordinary rate depends on gender and change according to insured age  
    2.2 Cost of Rider : calculate from rate table approved by OIC depends on gender, age and UDR  
    2.3 Administration Fee : Administration fee rate equals to 0.6% per year of redemption value deduct monthly since the first month of the policy
Sum Assured
 Set as multiplier of Regular Protection Premium (RPP) for life coverage   
Minimum (times) Maximum (times)
Age at Contract Date: 1 month - 20 years old 
Male
120 160
Female
140 280
Age at Contract Date: 21 - 30 years old
Male
60 125
Female
110 250
Age at Contract Date: 31 - 35 years old
Male
40 110
Female
70 215
Age at Contract Date: 36 - 40 years old
Male
40 95
Female
55 180
Age at Contract Date: 41 - 45 years old
Male
30 80
Female
45 150
Age at Contract Date: 46 - 50 years old
Male
30 65
Female
40 125
Age at Contract Date: 51 - 55 years old
Male
20 55
Female
30 100
Age at Contract Date: 56 - 60 years old
Male
15 40
Female
20 75
Age at Contract Date: 61 - 65 years old
Male
8 25
Female
10 40
Age at Contract Date: 66 - 70 years old
Male
8 15
Female
8 20
Regular Protection Premium Continuation Bonus5 
  1. For first 4 year of the policy if
    • Pay Regular Protection Premium (RPP) continuously every installment
    • Never reduce Regular Protection Premium (RPP)
    • Never partial withdraw from Regular Protection Premium unit(s)
    • Never lapse

    The company will pay premium continuation bonus since the end of 4th policy year : 0.2% per year of redemption value average 12 months prior

  2. If policy already receive premium continuation bonus according to item 1 and if
    • Use the right to Premium Holiday
    • Partial withdraw from Regular Protection Premium unit(s)

    Insured will not be able to receive Regular Protection Premium Continuation Bonus for that year.

In case after receiving Regular Protection Premium Continuation Bonus insured request to reduce Regular Protection Premium, the right to receive Regular Protection Premium Continuation Bonus will be terminated and will no longer has the right to receive Regular Protection Premium Continuation Bonus anymore.
Benefit of the policy
  • In case of death, the company will pay sum of the following amount  
    1) Redemption value at valuation date which is the next working day after the company receive the official death document,  
    2) Sum assured, which the company will pay when the death claim is approved.  
    3) 5% of redemption value of regular protection premium at valuation date which is the next working day after the company receive the official death document, which the company will pay when the death claim is approved.
  • If the insured is alive at the maturity date, the company will pay the redemption value at bid price on valuation date which is the next working day after maturity date. 
Rider

 Optional Unit Deducting Rider  

  1. TPDLink UDR : Cover total permanent disability due to critical illness or accident and unable to work regularly  
  2. CriticalLink UDR : Cover critical illness both early stage and major stage up to 200% of sum assured
Premium Holiday
Can use the right after paying Regular Protection Premium (RPP) for 3 policy years. In case the policyholder does not pay Regular Protection Premium (RPP) on due for the first 3 policy years, it will not consider as premium holiday and the policy will be terminated immediately due to auto-surrender.
Non-Lapse Guaranteed
Within first 5 policy years since the effective date, life coverage and every UDR coverage (if any) will continue to be effective even redemption value is insufficient to pay monthly charges under following conditions:
  • Never taken premium holiday and pay Regular Protection Premium every installment within grace period and
  • Never withdrawn money from redemption of Regular Protection Premium unit and
  • Never reduce Regular Protection Premium
Outstanding monthly charges (if any) will be considered as debt under the policy

Notice

  • Life Insurer is Krungthai-AXA Life Insurance Public Company Limited.
  • The bank is life insurance broker who provide the channel to buy life insurance only.
  • Krungthai Bank Public Company Limited as a juristic broker with license No. Chor00023/2547
  • Buyers should have an understanding in the details of coverage and conditions before making a decision to purchase insurance every time.
  • Benefits, coverage and exclusions shall be in accordance with the insurance policy. Please study more details in the policy.
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iLink (Unit Linked)

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