Annuity insurance and retirement planning

Annuity & Retirement Steady income, an uninterrupted plan

Why an annuity works as a buffer alongside your investment portfolio. Then try a one-page retirement plan with your own numbers, including a crisis stress test.

A senior couple relaxing by the sea
Retire comfortably with an annuity
Annuity insurance HOT

Bumnan Smart 95: choose your retirement age, with tax deductions

No medical exam and no health questions. Annuity premiums are deductible up to 15% of income, capped at THB 200,000; combined with life insurance, the total deduction can reach THB 300,000.

Bumnan Smart 95

Krungthai-AXA
Choose your retirement age, receive annuity income to 95
  • Start receiving income at age 55, 60, 65 or 70
  • Pay premiums for 6 years, or spread them lightly until age 55–70
  • Receive up to 30% of the sum assured per year, up to 840% in total (depending on the plan chosen)
  • Issue age 20–65, sum assured THB 75,000 to 20 million

Best for: those who want to retire early or receive income for as long as possible

Ask about this plan

Source: krungthai-axa.co.th. Benefits, conditions and premiums are subject to the policy. Tax deductions are subject to Revenue Department conditions.

Annuity insurance

Why you need an annuity as a buffer for your portfolio

In retirement, if every baht is invested, a sharp market fall forces you to sell funds at low prices to cover expenses, and your savings run out sooner than planned. An annuity is income that arrives on time every year, whatever the market does.

  • Peace of mindA baseline income every year to cover essential expenses
  • ConfidenceNo need to sell funds in a downturn; give your portfolio time to recover
  • StabilityPredictable cash flow throughout the payout period
  • Tax deduction15% of income, up to THB 200,000; total retirement group capped at 500,000
Have June design your annuity planTry the one-page retirement plan belowCalculate your tax savings

A two-layer retirement plan

Layer 1: Guaranteed incomeAnnuities, social security, guaranteed payoutsFor living costs, medical bills and utilities
Layer 2: Growth portfolioUnit-linked, RMF funds, equitiesGrows faster than inflation, for bigger goals
A year the market falls 25%Draw on Layer 1 income first. No need to sell your portfolio at low prices, and your financial plan stays on track.
Try it yourself

A one-page retirement plan with your own numbers

Enter your retirement expenses, health insurance premiums, guaranteed income and investments, then press “See your plan summary” to see how long your money lasts, in normal markets and in a crisis. A sample case is shown so you can start editing right away.

Want June to review your real numbers? Message LINE @thawannus