AIA Legacy Prestige Protection for Protection

AIA Legacy Prestige Protection is a life insurance plan designed to provide lifetime coverage. The hallmark is the payment of premiums for only 5 years, but the coverage lasts until the age of 99 years, and other special features that enhance financial stability and pass on wealth to the family. Detailed details are as follows:

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# # Main Features of AIA Legacy Prestige Protection

- * * Payment period: * * Only 5 years premium payment

- * * Protection period: * * Lifetime protection until age 99

- * * Guarantee age: * * Up to 75 years old

- * * Premium Discount: * * Provides a premium discount for those who are healthier than standard in the 18-70 age range.

- * * Tax deduction: * * Premium deductible not more than 100,000 Baht per year according to IRS requirements

- * * Privilege Program: * * No premium increase for an insurance limit not exceeding 50 million Baht, even under standard health.

- * * Minimum Insurance Amount: * * 15,000,000 Baht

- * * No Dividend: * * It is a non-dividend type of life insurance (non-exclusive policy).

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# # Main benefits and coverage

# # # 1.Death Benefit

- Payment of the maximum benefit in case of death from the amount of the insurance, the policy expropriation, or the amount of the premium paid.

- If the insured amount is reduced during the policy, the premium will be reduced proportionately.

# # # 2.Terminal Illness, TI

- If the insured is diagnosed by a medical professional with a terminal illness and is expected to die within 12 months, it will receive an insurance payment of up to 90% of the main insured amount.

- After paying end-of-life sickness benefits, the main insurance amount will be reduced by the amount paid.

- The company will waive the payment of premiums on the core policy after the TI benefit has been paid (excluding additional contracts).

# # # 3.Accidental Death Benefit, ADB

- If you die in an accident within 180 days of the accident, you will receive an additional benefit equal to one times the main insurance amount.

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# # Warranty Conditions and Health Criteria (Preferred Rate)

- Applicants must be 18-70 years old (for Preferred Rate)

- No smoking or nicotine products for at least 2 years (for cigars limited to 1 per month)

- The urine test must not find nicotine.

- No history of treatment or substance / alcohol addiction in the past 10 years.

- Blood pressure must be within age range (i.e. not more than 140 / 90 for younger than 51 years of age, etc.)

- Family history: No history of death before age 60 from cancer or major heart disease

- History of Assurance Health: Never suffered from serious diseases such as diabetes, cerebral atherosclerosis, heart disease and cancer.

- BMI must range, such as 18-29 for under 51 and 18-31 for over 51.

- Cholesterol levels and good fat proportions (HDL Ratio) must not exceed certain criteria.

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# # Benefit payment example

- Khun Tao, 55 years old, bought a policy of 20 million baht, paid a premium of about 2,731,000 baht per year for 5 years.

- If diagnosed with terminal illness, 18 million baht (90% of the main insurance amount) will be paid.

- The main insured amount will be reduced to 2 million baht after the TI benefit is paid.

- In case of death, the beneficiary will receive the remaining insured amount or policy expropriation money or the largest amount of previously paid allowance.

- In case of additional accidental deaths, the benefit will be paid equal to one times the main insurance amount, for a total of 40 million baht in the sample case.

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# # Cautions and advice

- Before making a purchase decision, the insured applicant should study the information in the offering and policy documents thoroughly.

- Must provide truth information in the insurance application. If concealed or made a false statement, the policy may be cleared and not claimed.

- All coverage conditions are specified in the policies issued to policyholders as well.

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All in all, AIA Legacy Prestige Protection is a life insurance plan that focuses on long-term coverage and short interest payments, with benefits for terminal illness and accidental death, including tax deductions and premium discounts for the healthy. It is an ideal choice for those who want to plan long-term finances and want to pass on their wealth to their family.

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