BLA Happy Saving 16/8 (Par)

BLA Happy Saving 16/8 (Par)

This endowment insurance with dividend suitable for those who want...

  • Make a life plan to create insurance and stability in the future
  • Investment plan for more returns and the principal is not lost
  • Planning for children's education for the education of your beloved child
  • Tax deduction plan premiums are eligible for personal income tax deduction
  • Plan for business for planning to expand the business to grow
Click to view information of Life Insurance (Par)

To meet the needs of planning in each aspect of life, the endowment insurance with Par is designed to improve your chances of generating higher returns with investment proportion in assets which are different from Non-Participating Product by increasing the investment proportion in high-risk assets along with managed with a dedicated investment portfolio. Expertise and efficiency for aiming in good and appropriate returns in each period.


Comparison of Investment Proportion between Non-Participating and Participating product

BLA Happy Saving 16/8 (Par)

Investment Strengths

BLA Happy Saving 16/8 (Par)

Separated investment portfolio*

Participating product portfolio provides investment flexibility for higher chance of receiving higher returns with minimum guarantee return

BLA Happy Saving 16/8 (Par)

Bottom-Up analysis

For better investment decisions, this results in good and appropriate returns in each period of time

BLA Happy Saving 16/8 (Par)

Manage and monitor investment portfolio

By experts and efficient management system

* To increase the opportunity to receive higher returns, the company has a policy to invest in high-risk assets for Participating Product in a higher proportion than Non-Participating Product. High-risk assets include common stocks and real estate funds both domestically and internationally, including businesses with long-term high growth prospects such as those in the technology and health sectors.

BLA Happy Saving 16/8 (Par)

Start saving today for a secured future with a life insurance policy for long-term savings. Pay premiums for 8 years and receive life coverage for 16 years. Prepare a secured future for you and your loved ones today and meet your needs for increased coverage, accumulation of your lump sum savings, and an increase your chance of receiving dividends upon maturity.
BLA Happy Saving 16/8 (Par)

*Or accumulated actual life insurance premiums paid, whichever is higher (between the 8th -16th policy year)

  • Insured age: 0 to 75 years
  • Initial sum assured: 30,000 baht
  • Annual premium payment
  • Insurance underwriting is in accordance with the company's criteria
  • Additional riders can be purchased, according to the conditions set by the company
  • In the case of not purchasing additional riders, no examination and no health questions are required
BLA Happy Saving 16/8 (Par)
Click to view Benefits and Coverage
Alive Deceased
On the 1st - 8th policy anniversary, receive 8% annual cash return The 1st policy year, receive 100% cash return
On the 9th- 15th policy anniversary, receive 10% annual cash return The 2nd policy year, receive 200% cash return
On maturity date, receive 761% cash return The 3rd policy year, receive 300% cash return
Total benefits throughout the contract of 895%, with a chance to receive dividends according to the company’s dividend allocation policy[3] The 4th policy year, receive 400% cash return
  The 5th policy year, receive 500% cash return
  The 6th policy year, receive 600% cash return
  The 7th policy year, receive 700% cash return
  The 8th - 16th policy year, receive 800% cash return
(% of the sum assured) (% of the sum assured or actual accumulated life insurance premiums paid, whichever is higher)
Click to view the examples Benefits and Coverage

A 30-year-old male in good health, with a 100,000 baht sum assured.
He pays an annual premium of 99,900 baht and has a personal income tax rate of 20 percent throughout the contract period.

Unit: Baht

Policy year Annual Insurance premium
(at the commencement of policy year)
Cash return benefit at maturity date Life coverage Policy surrender value Total eligible cash return before maturity Tax benefits
% of the sum assured Amount % of the sum assured Amount
1 99,900 8% 8,000 100% 100,000 19,200 27,200 19,980
2 99,900 8% 8,000 200% 200,000 67,700 83,700 19,980
3 99,900 8% 8,000 300% 300,000 166,600 190,600 19,980
4 99,900 8% 8,000 400% 400,000 254,700 286,700 19,980
5 99,900 8% 8,000 500% 500,000 359,600 399,600 19,980
6 99,900 8% 8,000 600% 600,000 438,000 486,000 19,980
7 99,900 8% 8,000 700% 700,000 518,300 574,300 19,980
8 99,900 8% 8,000 800% 800,000 600,600 664,600 19,980
9   10% 10,000 800% 800,000 605,100 679,100  
10   10% 10,000 800% 800,000 609,800 693,800  
11   10% 10,000 800% 800,000 614,600 708,600  
12   10% 10,000 800% 800,000 619,400 723,400  
13   10% 10,000 800% 800,000 624,400 738,400  
14   10% 10,000 800% 800,000 629,500 753,500  
15   10% 10,000 800% 800,000 634,700 768,700  
16   761% 761,000 800% 800,000 650,000 895,000  
Total 799,200 895% 895,000 - - - - 159,840
  • Cash return benefits, policy surrender value, and eligible cash return before maturity of the contract are based on the value calculated at the end of policy year.
  • The eligible cash return before maturity is the sum of the cumulative amount of cash received back combined with the amount of policy surrender value, calculated on the end of the policy year. The insured will receive only the policy surrender value.

Unit: Baht

Summary of benefits under the policy (including dividends) In case of no dividend payment Example of dividend from average return on investment throughout the contract[2]
3% 4% 5%
1. All annual cash return benefits
of the 1st - 15th policy anniversary
134,000 134,000 134,000 134,000
2. Maturity cash return
at the 16th policy anniversary
761,000 761,000 761,000 761,000
3. Chance to receive dividends upon maturity[1] (Non-guaranteed benefits payment) - 50,180 120,700 191,220
4. Benefits throughout the contract (1.+2.+3.) 895,000 945,180 1,015,700 1,086,220
5. Total premiums paid of 8 years 799,200 799,200 799,200 799,200
6. Benefit value that exceeds the paid premiums (4.-5.) 95,800 145,980 216,500 287,020
7. Benefits from 8 years tax deductions 159,840 159,840 159,840 159,840
8. Benefit value that exceeds the paid premiums
(in the case of tax deduction benefits (6.+7.))
255,640 305,820 376,340 446,860

[1] The company may consider paying dividends upon maturity to the insured; such dividends are based on the return on investment of the assets of the dividend-paying product portfolio over the contract period after deducting all costs of the insurance policy. The company will allocate the 80 percent to the insured, and the dividend at the maturity of this contract is different for each product. This is in accordance with the conditions, requirements, and dividend calculation methods provided by the company.

[2] The average return on investment throughout the contract is only one factor used in the dividend calculation. The average return on investment over the contract shown is estimated from the company's average return on investment. The actual return on investment received may be higher or lower than what is shown. The insured should consider the information in the sales offering document before making a decision to purchase a life insurance policy products.

The average return on investment over the contract period is the return that the company receives from the investment of the dividend-paying product assets over the contract period. The annual return on investment can be viewed via

Click to View Coverage Exclusions

BLA Happy Saving 16/8 (Par)

  • In the event that the insured does not disclose the true statement or makes a false statement, the company will void the contract within two years from the effective date of the coverage under the insurance policy, or upon renewal, or upon reinstatement, or upon the date the company approves the increase of the sum assured only for the additional part. Unless the insured does not have a stake in the insured event, or the declaration of age is inaccurate that the actual age is outside the normal trade premium rate limit.
  • In the event the insured commits suicide within one year from the effective date of the insurance policy, or upon renewal, or upon reinstatement, or upon the date the company approves the increase of the sum assured only for the additional part, or if murdered by the beneficiary.


  • This advertising media is only a summary of preliminary benefits. Please read the details of the coverage conditions and exclusions before deciding to purchase any insurance products. The coverage conditions and complete exclusions can be inquired from your agents or from your life insurance policy details.
  • Remittance of insurance premiums is the responsibility of the insured. The fact that life insurance agents and brokers offer to collect insurance premiums is a service only.
  • A health declaration is one of the factors for underwriting and benefits payment consideration.
  • For maximum benefits from the policy, the insured should pay premiums until the premium payment period completes and hold the policy until its maturity.
  • BLA Happy Saving 16/8 (Par) insurance premiums and health insurance premiums (if any) can be used for personal income tax deductions, according to the criteria set by the Revenue Department.

For more details, please contact our life insurance agents or financial advisors nationwide.