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PRUSmart 16/12

Provides a smart savings plan for you to invest in your children’s education so they can get a head start on their life goals.

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Maturity benefit

Receive a total of 274% of the sum assured at the end of your plan in the 16th year and you can invest fully in your children’s education.

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Receive cash return of 225% of sum assured

Receive a 2% cash return every year from the 3rd year to the 15th year so you can achieve your short term goals when you need to.

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Tax benefit

Receive a tax benefit of up to 100,000 Baht per year, only for the year that premium payment is made.

How it works ?

PRUsmart

Product details

Coverage and Payment Terms

Payment Term	12 years
Coverage Term	16 years
Issue Age	1 month - 65 years
Minimum Sum Assured	50,000 Baht
Cash Coupon	Receive a 2% cash-back of the sum assured at end of policy years 3-15

Maturity Benefit

Receive 274% of the sum assured at the end of year 16

Death Benefit

- Within policy years 1 – 4, the company shall pay 110% of sum assured or cash surrender value.
- Within policy years 5 – 8, the company shall pay 210% of sum assured or cash surrender value.
- Within policy years 9 – 16, the company shall pay 300% of sum assured or cash surrender value.

Tax Benefit

Life insurance product is eligible for a tax deduction of up to 100,000 Baht per year (this shall be in accordance with the regulations of the Revenue Department). Minors with incomes are also eligible for the tax benefit.

Riders that can be bought with this policy

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PRUSmart 16/12

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