Insurance terms

1. Entry age: 20 to 60 years old.
2. Annual premium: THB 30,000 to THB 1,000,000.
3. You may exercise your Free Look right within 15 days from the date you receive the policy, at no cost.
4. If you surrender the policy before its maturity date, you will receive the policy's surrender value, which may be lower than the total premiums paid.
5. You may exercise your right to surrender the policy, convert it to a paid-up policy, extend the coverage period under an extended term insurance option, or apply for a policy loan, subject to the policy terms and conditions.
6. In the event of the insured's death, the beneficiary must notify FWD Life Insurance Public Company Limited within 14 days from the date of death.
7. A grace period of 31 days is granted from the premium due date. If the premium is not paid within the grace period, the policy will lapse.

Key Exclusions

1. Misrepresentation or Non-Disclosure
    If the insured fails to disclose material facts or makes any false statement, the Company reserves the right to void the policy within 2 years from the policy effective date, policy reinstatement date, policy renewal date, or the date of approval for any increase in the sum assured (applicable only to the increased portion).
   
   
2. Suicide and Beneficiary-Caused Death
   No death benefit will be payable if the insured commits suicide within 1 year from the policy effective date, policy reinstatement date, policy renewal date, or the date of approval for any increase in the sum assured (applicable only to the increased portion). This exclusion also applies if the insured is intentionally killed by the beneficiary.