Compare 3 insurance plans in one page
Data is not recorded and is used for estimation only.
References to the TSO's destruction schedule and the 2026 SEC premium structure.
Life Insurance Premiums Calculator
The Life Insurance Premiums Calculator estimates a planning estimate for the health or protection scenario entered from the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. Replace the example values with your own life insurance premiums figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Life insurance premium estimates, compares life and time savings plans by age, gender, capital and contract term, with tax deductions, instant results, free to use.
Fill in the guarantor details.
Comparison Results
Compare details.
| Details | Accumulating wealth. | For life. | Time |
|---|
Tax credit.
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Reference: Tax Department — Maximum deductible life insurance premium 100,000 baht/year (contract 10 years and up)
Data to be calculated
| age | - |
| Gender | - |
| The guarantee. | - |
| Term of contract. | - |
| Interest payments. | - |
What is life insurance?
Life insurance is a contract whereby an insurance company pays a benefit to a beneficiary when the insured dies or the contract expires. The insurer pays the premium according to the agreed period.
Endowment.
It's a plan that combines savings and protection:
- The highest of the three, because it's a wealth-accumulating scheme.
- Full refund of the guarantee.
- If you die before the contract expires, the beneficiary gets a capital guarantee.
- It's for those who want to save long term with protection.
Whole Life.
Lifetime coverage of the guarantor:
- Protection until the age of 90 years or lifetime.
- Paying interest for 15-20 years, but lifetime coverage.
- Medium pay, higher than time, but cheaper than accumulating.
- It's for those who want to leave a legacy to their family.
Term Life.
Maximum protection at the lowest price:
- The cheapest fee, because there's no accumulation.
- Protected by specified period (5, 10, 15, 20 years)
- No money back.
- It's for those who want high protection on a budget.
Factors affecting life insurance premiums.
| Factors. | The effect on the allowance. |
|---|---|
| age | The older you are, the higher the premiums. |
| Gender | Females are cheaper ~15-20% |
| The guarantee. | High capital, high premium (calculated per 1,000 baht) |
| Term of contract. | Long term, lower annual premiums. |
| health | Illness may be paid for or not. |
| Smoking. | Smoking is 30-50% more expensive. |
Life insurance premiums tax deductions.
According to the Tax Department's law, life insurance premiums with a coverage period of 10 years or more can be used to deduct personal income tax up to 100,000 baht per year. This saves tax from 5,000 - 35,000 baht per year depending on the tax rate.
This calculator helps you estimate life insurance premiums, compare 3 plans in one page. Actual rates may vary depending on life, health, employment and policy terms.
Information for preliminary planning. Please check the actual terms and benefits with your insurance company before making any decision.
Frequently asked questions
What's the difference between a life insurance plan that's accumulated, lifetime, and time-bound?
How much is life insurance premium tax deductible?
How does age affect life insurance premiums?
Do women pay less than men?
How much should the sum assured be?
English calculator guide
How to use the Life Insurance Premiums Calculator
Use this page to test a specific life insurance premiums scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the life insurance premiums estimate instead of relying on a generic example.
- Build a baseline life insurance premiums case with figures that match your situation.
- Run a second life insurance premiums case after changing the rate, period, quantity or other key assumption.
- Record the difference between the two life insurance premiums results and the input responsible for it.
Inputs for the life insurance premiums estimate
For this life insurance premiums calculation, check the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. The result is designed to show a planning estimate for the health or protection scenario entered, not a guaranteed provider price or official decision.
How the life insurance premiums result is calculated
The calculator compares the selected dates using calendar-based intervals and the date rules shown on the page. Reusing the same life insurance premiums inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a life insurance premiums decision
Do not treat the result as a diagnosis, eligibility decision or binding insurance quote. For life insurance premiums, This result is for personal tracking and general education. It is not a diagnosis or treatment recommendation; discuss unusual or concerning results with a qualified health professional. Check the important inputs and any current provider or authority rules before using the result for a decision.
- Language QA
- Terminology, numeric values and calculator controls checked
- Calculator scope
- Date and calendar
- Last English review
- 26 July 2026