CIMB THAI Flexi Infinite Protection

Key Features

• Beyond limit with no premium charges

No premium charge on regular premiums throughout the insurance contract, and switch funds flexibly without any charge

• Special Welcome Bonus

Receive  welcome bonus of 2.5%¹ on regular premiums paid in the 1^st policy year from the day coverage starts

• Cover longer and get higher returns with loyalty bonus

Receive loyalty bonus in the 11^th – 16^th policy year, and every 5 years from the 21^st policy year

(Terms and conditions as specified under the policy)

• Adjust coverage at any time and unlimited²

Flexible to adjust sum insured and your coverage to fit your changing needs

• Flexibility in coverage options

Choose your own coverage with an unlimited sum insured. Receive whole life cover until age 99, along with a continuation extra bonus. Alternatively, you can opt to change the maturity date from the end of the 15^th policy year onwards. (If you change the maturity date from the end of the 15^th  policy year onwards, you may lose your right to receive the continuation extra bonus starting from the beginning of the 16^th policy year: 10% of the regular premium onwards, and 20% of the regular premium every 5 years from the beginning of the 21^st  policy year onwards.)

1 % calculated from regular premium paid in the 1^st policy year

2 based on gender, age and the chosen plan. And NAV under the policy must have a holding period of at least 15 years with an assumed rate of return of -1%.

Note : The applicant should read and understand coverage details including the terms and conditions clearly before making the final commitment. Details and coverage provisions, rights under the policy, charges and fees are as specified under the policy.

Tax Benefits

Premium (excluding investment part) of life insurance plan, such as Policy Administration Charge (if any), Cost of Insurance, Policy Administration Charge, is entitled to annual tax deduction up to THB 100,000 (according to conditions prescribed by the Revenue Department). 

Coverage Benefits 

• Maturity Benefit and the policy is in force : Receive total redemption value (according to criteria set by the company)
• In case of death during the policy term : Receive sum insured of regular premiums, together with total redemption value (according to criteria set by the company)

Product Features

Coverage Benefits 

Insurance information

List of mutual funds that are selected for investment to increase the opportunity for returns

Note: From May 23, 2025 onwards, for PRINCIPAL IFIXED-C, UOBSJSM and SCBBANKINGA funds, these funds are not available on the first day of insurance application. However, the insured can switch funds, pay special additional premiums, and change investment allocation only.

Note

1.”CIMB Thai Flexi Infinite Protection (Unit Linked)” is the marketing name of “Unit Linked Flexi Life Protect (5)” Unit Linked Insurance Plan, offering a coverage period until the policy anniversary when the insured reaches age 99, with a premium payment term of 5 years.

2.The applicant should understand coverage details and all the terms and conditions clearly before making the final commitment.

3.This is a life insurance product. It is not a bank deposit. To maximize the benefits from the insurance policy, the insured should continuously pay the premium through to the end of the premium payment period and hold the policy until the end of the contract. If the policy is terminated before the end of the contract , the insured may not receive the maximum benefits from the policy or the full amount of premiums paid.

4.Policy benefits are tax-free and are not subject to legal enforcement (except for insurance premiums that have already been paid).

5.The company will send policy’s financial status report to the insured twice a year.

6.The insured can cancel the policy and send it back to the company within 15 days from the date of receipt of the policy document. And the company will refund money equal to redemption value on the first date of valuation on the next business day after the company receives a notice of cancellation and a supporting document as specified by the company, along with Policy Fee deducted by the full amount of welcome bonus paid by the company, health checkup fee (if any) and the company’s expenses of THB 500.

7.This document provides essential information about the insurance plan. The applicant should read and study additional details regarding benefit payment terms, conditions, requirements, exclusions, and policy benefits outlined in the insurance policy issued by the company.

8. Insurance policy exclusions

  1. In the event of non-disclosure or misrepresentation, the company will terminate the contract within 2 years from the effective date or renewal or   reinstatement of the insurance policy or the approval date to increase the sum assured (only for the increased part).

  2. In the event of suicide within one year from the policy effective date or renewal or reinstatement or the approval date to increase the sum assured   (only for the increased part), or the insured gets intentionally murdered by the beneficiary.

(Please refer to the insurance contract for complete details of exclusions.)

9. Premium of life insurance plan is entitled to annual tax deduction up to THB 100,000 according to conditions prescribed by the Revenue Department.

10. The underwriting is subject to conditions and criteria set by the company.

11. CIMB THAI BANK Public Company Limited is a life insurance broker and has responsibility for an action as a life insurance broker only. This insurance product is underwritten by Prudential Life Assurance (Thailand) Public Company Limited.

12.  If you have any questions or require any further information, please contact.

• Any branches of CIMB THAI BANK Public Company Limited, CIMB Thai Care Center 0 2626 7777, CIMB Thai website www.cimbthai.com
• Prudential Life Assurance (Thailand) Public Company Limited. Customer Service Center 1621  FAX: 0 2353 4888, or email: hotline@prudential.co.th

Warning : The applicant should study, read and understand the sales documents before deciding to purchase insurance. When receiving the policy, please study the details of the terms and conditions in the policy.