Life's so happy
Where getting cash-back every Year and Potential dividend

  • Be Worry free with a 15-year life coverage
  • Pay premiums for only 6 years
  • Enjoy annual cash back starting from the 1st policy year
  • Potentially receive dividend

UOB TMRW - Service Availability Time

Eligible Age: 1 month – 70 years
Coverage Period: 15 years
Premium Payment Period: 6 years
Sum Assured: A minimum of 100,000 Baht
Mode of payment: Annually, Bi-annually, Quarterly and Monthly
Medical Check-up: Prudential Life Assurance (Thailand) PLC. reserves the rights to require a medical check-up under the company’s underwriting policy.


Living Benefit
At end of policy year 1 – 14 Receive an annual 2.5% cash-back of sum assured
At end of policy year 15 Receive a 150% cash-back of sum assured
Total cash-back throughout the policy term not less than 185% of sum assured, with an opportunity to get dividend paid out at maturity as per company policy regarding dividend payment.
Death Benefit
Policy year 1-5, receive compensation not less than 100% of sum assured
Policy year 6-15, receive compensation not less than 150% of sum assured
At maturity, the company will consider the dividend payment, taking into consideration the returns on investment in the long term to be allocated to the insured. This dividend payout is not guaranteed. The illustration above is for sample purposes. The actual dividend may be lower or higher than the above assumption.
Living Benefit, Receive cash-back by percentage of sum assured at end of policy year.
Death benefit, by percentage of sum assured, as above, or policy surrender value, or all premium paid, whichever is greater amount.
  • Premium paid for life insurance policies with coverage period of 10 years and above can be entitled for personal income tax deduction for up to the maximum of 100,000 Baht per year (as per the Department of Revenue’s regulations).
  • This product is a life insurance product and is not a deposit. To secure the complete benefit of the policy contract, the policyholder should make premium payments thoroughly throughout the premium payment period as well as holding the policy contract until its maturity. In case the policy contract is terminated prior to its maturity, the policyholder is subject to risk of not getting the premium paid or not getting the premium paid back in the full amount
  • It is the responsibility of the insured to make premium payments. Life insurance brokers only facilitate the service.
  • Buyers have to study and understand policy terms and conditions before making a decision to buy a life insurance policy.
  • Conditions for non-coverage:
    • In case of material misrepresentation or false statement, the Company shall void the policy within 2 years from the policy effective date or the renewal date or the reinstatement date or the date the Company approves the increase of sum assured, only for the increased amount.
    • The Insured commits suicide within 1 year from the policy effective date or the renewal date or the reinstatement date or the date the Company approves the increased sum assured, only for the increased amount, or is murdered by the beneficiary.
  • The insured has rights to cancel the policy within 15 days from the date of receiving it. The company will then return the outstanding premium paid after deducting 500 Baht per policy for actual medical check-up expense and any other expenses.
  • The Insured has the right to exercise the policy surrender and get the policy surrender value in the amount equivalent to what is stated in the Policy Surrender Schedule, plus any policy benefits to be entitled to (if any) less the outstanding debts (if any)
  • This document is not an insurance contract. Details of coverage and exclusions are stated in the life insurance policy.
  • PRUhappy savings is the marketing name of Endowment Plan “PRU Aomsub Permkha 20 year” (Participating)

UOB, in its capacity as the insurance broker license number Chor 00026/2545 will facilitate the insurance transaction and premium payments only, while Prudential Life Assurance (Thailand) Public Company Limited will be responsible for providing the coverage and benefits as stated in the insurance contract.

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