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Frequently asked questions

Got a problem? Check our FAQs or get in touch with us for assistance.

  • A life insurance policy is a contract in which the insurance company agrees to pay a specified amount of money to the insured person, the beneficiary, or the legal heir when an event stated in the policy occurs. In return, the insured is responsible for paying premiums as required under the policy terms.
  • Life insurance also serves as a savings plan combined with life protection, where the insured can choose both the sum assured and the duration of coverage.

1. Whole Life Insurance

Provides life coverage up to age 90 or beyond.
If the insured passes away while the policy is in force, the company will pay the benefits specified in the policy to the beneficiary. If the insured survives to the end of the policy term, the company will pay the benefits as stated in the policy conditions.

2. Endowment Insurance

Provides life protection combined with savings.
The company will pay benefits specified in the policy to the insured while they are still alive, and will pay benefits to the beneficiary if the insured passes away during the coverage period.

3. Term Insurance

Provides life coverage for a specific period.
The company will pay the benefit to the beneficiary if the insured passes away within the policy term.
This type of insurance aims to protect against premature death. It does not include a savings component, so premiums are generally lower than other types and no maturity benefit is paid if the insured survives to the end of the term.

  • Agency Channel
  • Bancassurance Channel via partner banks:
    • TMBThanachart Bank (TTB)
    • UOB Bank
    • CIMB Thai Bank
  • Direct Marketing / Telemarketing (DM/TM)
  • Digital Channel

Customers can easily purchase insurance online through our digital platform.

Click here: https://online.prudential.co.th

  • Annual Health Underwriting Requirements
    Health underwriting may be required depending on the insured’s age, sum assured, type of coverage applied for, and other underwriting conditions.
  • Types of Required Health Information
    • Non‑Medical Underwriting – reviewing health information without medical tests.
    • Medical Underwriting – may require a health examination.
  • Additional Required Tests Examples include: 
    • HIV Antibody Test (Anti‑HIV)
    • Other laboratory tests or medical evaluations depending on underwriting criteria and company guidelines.
  • Requirements may vary depending on:
    • Age of the insured
    • Sum assured
    • Type of insurance plan
    • Medical history
    • Other underwriting factors
  • For foreign nationals who do not speak Thai or English, an interpreter may be required during the underwriting process.

  • Online Payment via PRUServices or the “Prudential Thailand” LINE Official Account
  • Mobile Banking
  • Internet Banking
  • Counter Service locations (7‑Eleven stores)
  • Bank counters / Automatic payment machines (CDM/ATM)

Customers may contact:

  • Their insurance agent
  • Customer Service Center (Call Center) Tel. 1621
    • Monday–Friday: 08:30–19:00
    • Saturday–Sunday and public holidays: 08:30–16:00
  • Email: hotline@prudential.co.th

Customers may contact:

  • Customer Service Center (Call Center) Tel. 1621
    • Monday–Friday: 08:30–19:00
    • Saturday–Sunday and public holidays: 08:30–16:00
  • Email: hotline@prudential.co.th

The interest rate is 2.00% per year
(Applicable only for policy types that include annual policy value retention.)

Customers can check their annual retained values through:

  • Annual Policy Status Statement
    Sent to customers every year when they renew their policies.
  • Non-Electronic or Electronic Annual Policy Value Statements
    Customers may choose to receive the statement in paper format or electronically (E‑Policy).
    Once selected, the statement will be sent by the company via postal mail or email within 7 business days after the company receives the customer’s request.

Additional channels to request annual policy value statements:

  • Customer Service Center (Policy Service)
    Prudential Life Assurance (Thailand) Public Company Limited
    944 Mitrtown Office Tower, 29th Floor, Rama 4 Road, Wangmai Subdistrict,
    Pathumwan District, Bangkok 10330
  • Email: hotline@prudential.co.th

Yes. Customers may submit a request to change how they receive their policy value statements.
Changes can be made through the Customer Service Center or via email.
The company will update the delivery method according to the customer’s request starting from the next annual issuance cycle.

Customers may submit a withdrawal request for part or all of the accumulated policy value.
The company will transfer the requested amount to the customer's bank account on file or issue a funds transfer through other available methods.

Important notes:

  • Withdrawals may affect the remaining policy value.
  • Customers who do not wish to retain annual policy values with the company may request withdrawal at any time.

Customers can review their annual statements, which summarise annual retained values and interest earnings for each year, according to the policy type and benefits specified in their contract.

For more details, customers may contact the Customer Service Center or request via email at hotline@prudential.co.th.

Yes. The interest rate may be adjusted in the future according to official company announcements.
Updates will be published on the company’s website, and customers can check the latest information under the “Our Performance” section.

Customers can check or inquire about their retained annual policy values through the following channels:

  1. Direct Inquiry with the Company: Customers may contact the company to request details about annual policy values retained with Prudential.
  2. Premium Due Notice: Information about policy benefits is included in the premium reminder notice.
  3. Customer Service Center (Call Center)
    Tel. 1621
  4. Email at hotline@prudential.co.th
  5. LINE Official Account @PrudentialThailand
  6. Facebook Prudential Thailand

PRUServices – Online Policy Services

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