High life cover, with the sum assured chosen to suit your age
The sum assured is a multiple of the annual Regular Protection Premium (RPP). The earlier you start, the higher the sum assured you can choose.
| Age | Minimum sum assured | Maximum sum assured |
|---|---|---|
| 0–40 years | 40 times | 60 times |
| 41–50 years | 30 times | 50 times |
| 51–60 years | 20 times | |
| 61–65 years | 15 times | |
| 66 and over | 5 times | |
Flexible, adapting as your life changes
Focused on high cover; minimum THB 18,000 a year or THB 1,500 a month
Focused on regular investing; up to 3 times the base premium
Top up whenever you have a lump sum, from year 2, with a minimum of THB 10,000 per top-up
- Increase or decrease the sum assuredAccording to family responsibilities at each stage of life, subject to company conditions
- Premium HolidayWhen finances are tight, the policy continues to provide cover from the account value
- Partial withdrawalAccess funds when needed without surrendering the policy
- Fund switchingFree 5 times a year; rebalance according to market conditions or your goals
- Loyalty bonus0.2% of the average account value, each year from the end of year 6, provided premiums are paid continuously and no withdrawals are made
- Pass on as a legacy, with tax deductionsName beneficiaries clearly. Policy charges are tax-deductible, subject to Revenue Department conditions.
What fees does unit-linked insurance have, and why do they matter?
Unit-linked insurance is transparent in that each charge is shown separately. These charges affect the account value remaining for investment. Understanding them before buying helps you choose the most cost-effective premium mix and holding period.
| Fees | What it is | iWealthy rate |
|---|---|---|
| Premium ChargeRPP premium allocation charge | Deducted from the base premium before investment; covers the policy’s initial administration costs | Year 1: 45% · Year 2: 30% · Year 3: 15% · Year 4: 10% · Year 5 onwards: None |
| Premium ChargeTop-up premiums RTU / LSTU | Deducted from the investment premium before units are purchased | RTU Year 1: 3% · Year 2: 2% · Years 3–4: 1% · Year 5 onwards: none LSTU: 1.25% per transaction |
| COICost of Insurance (COI) | The cost of life cover, deducted monthly from the account value, based on age, sex and the “net amount at risk”, i.e. the sum assured in excess of the account value. The older you are or the higher the sum assured, the higher the COI. | Based on mortality rates from the Thai Mortality Table 2017 (TMO17), ordinary class |
| CORCost of Rider (COR) | The cost of rider cover, such as health or critical illness, deducted from the account value in some unit-linked plans | None iWealthy does not allow riders, so there is no COR. If you need health cover, take it out as a separate policy. |
| Policy Admin ChargePolicy administration charge | Policy maintenance charge, deducted monthly from the account value | 0.6% a year of the account value (0.05% deducted monthly) |
| Surrender / WithdrawalSurrender or withdrawal charge | Applied to withdrawals or surrenders in the early policy years, on the investment premium portion | Year 1: 50% · Year 2: 30% · Year 3: 20% · Year 4: 5% · Year 5 onwards: None |
| SwitchingFund switching charge | When moving money from one fund to another | Free 5 times a year; THB 150 per switch thereafter |
| Fund management feesof the chosen mutual fund | Already reflected in the unit price, not deducted separately from the policy | As stated in each fund’s prospectus |
Source: iWealthy brochure, Krungthai-AXA Life Insurance Public Company Limited. Actual charges are as stated in the policy and may change. Buyers should understand the details before deciding.
iWealthy — high life cover, adaptable to your life, with the opportunity for your money to grow
Your premium is divided into two parts: the first buys life cover, and the second is invested in the mutual funds you choose. The investment value rises and falls with the market; it is not a deposit.
A sum assured of up to 60 times the base premium, so your family receives a lump sum immediately in the event of the unexpected. On death, the benefit is the higher of the sum assured or 120% of the account value.
Increase or decrease the sum assured, take a premium holiday, make partial withdrawals, top up or switch funds as your life stage and goals change
Invest in leading global funds, or in model portfolios automatically rebalanced by BNP Paribas specialists
Example: a valued client, male, age 35
Annual premium of THB 60,000 for 15 years (protection 40,000 + top-up 20,000), cover to age 99, invested in the InvestXpert portfolio with an expected return of 5.22% a year
Value by age (THB)
Simulated data from Krungthai-AXA’s MyWealth+ program as of 23 October 2026, at an expected return of 5.22% a year, after charges and insurance costs as calculated by the program. Returns are not guaranteed. Past performance is not indicative of future results. Actual figures depend on age, sex, sum assured and the funds selected.
BNP Paribas Asset Management who are they, and why can they be trusted?
BNP Paribas Asset Management The asset management arm of BNP Paribas Group, a leading European bank and financial services provider. Following its acquisition of AXA Investment Managers in 2025, it became one of the largest asset managers in Europe, and it manages the model portfolios for Krungthai-AXA’s unit-linked clients.
3 model portfolios, chosen according to your risk tolerance
Focused on stability, reducing the impact of sharp market falls through a higher allocation to high-quality bonds
- Equities 10–30%
- Bonds 50–100%
- Alternatives 0–30%
- Amundi US Treasury Bond 1-3YShort-term US Treasuries14.60%
- iShares US Treasury 1-3 Year UCITS ETFShort-term US Treasuries13.85%
- Vanguard USD Treasury Bond UCITS ETFUS Treasuries12.40%
- SPDR S&P 500 UCITS ETFUS large caps (S&P 500)12.04%
- Schroder Flexible Cat BondCatastrophe bonds (alternative)9.75%
- Suitable for investors with a risk score of 15–29
Balancing growth and stability for smoother returns
- Equities 30–60%
- Bonds 25–75%
- Alternatives 0–30%
- SPDR S&P 500 UCITS ETFUS large caps (S&P 500)14.08%
- iShares U.S. Equity Factor Rotation Active ETFActively managed US equities10.55%
- Helium Fund – SelectionAbsolute return fund (alternative)9.79%
- Amundi Core MSCI Emerging MarketsEmerging market equities8.00%
- Vanguard USD Treasury Bond UCITS ETFUS Treasuries7.89%
- Suitable for investors with a risk score of 30–36
Aiming for maximum capital growth over the medium to long term, with a higher allocation to higher-risk assets
- Equities 50–75%
- Bonds 5–50%
- Alternatives 0–30%
- SPDR Russell 2000 US Small Cap UCITS ETFUS small caps13.58%
- iShares U.S. Equity Factor Rotation Active ETFActively managed US equities12.71%
- SPDR S&P 500 UCITS ETFUS large caps (S&P 500)12.70%
- Helium Fund – SelectionAbsolute return fund (alternative)10.57%
- Amundi Core MSCI Emerging MarketsEmerging market equities9.86%
- Suitable for investors with a risk score of 37 or above
All 3 are mixed Fund of Funds investing in foreign mutual funds and ETFs, managed by Krungthai Asset Management (KTAM) with BNP Paribas Asset Management as investment sub-manager. Prospectus risk level 5. Asset allocations are ranges set by policy; the bars show approximate midpoints and may change at the fund manager’s discretion. Source: Krungthai-AXA InvestXpert brochure and publicly disclosed fund information as of 31 August 2026. The funds carry exchange rate risk, and returns are not guaranteed.
How are clients’ unit-linked portfolios across 41 policies performing today?
An anonymised summary from Krungthai-AXA’s MyWealth+ system, showing the cumulative gain or loss on each policy’s investments from inception to date
Cumulative gain by policy
By client risk level
| Risk level | Policies | Weighted cumulative gain |
|---|---|---|
| 3 Moderately high | 8 | +10.61% |
| 4 High | 24 | +10.25% |
| 5 Very high | 8 | +5.20% |
Excludes 1 policy without a stated risk level
Data as of 23 October 2026, excluding the agent’s own policies. Investment periods differ between policies, so these are not annual returns. Values shown are the remaining unit value at NAV after charges and insurance costs. Gain/loss percentages are measured against the cost of units held, not total premiums paid. Past performance is not indicative of future results.