1. Receive reducing sum assured to the Insured or beneficiary in the event​ of Death or Total Permanent Disability (TPD) of the Insured during the cover period. Sovannaphum Life will pay the benefits to the beneficiaries.**
2. Your family will have the peace of mind from the loan liability, and they will still be able to continue living in that loving warm home.
3. Easy and flexible premium payment.
4. Short premium payment and longer protection.

Protect your home loan starting from $22 per year1

1. Receive reducing sum assured to the Insured or beneficiary in the event​ of Death or Total Permanent Disability (TPD) of the Insured during the cover period. Sovannaphum Life will pay the benefits to the beneficiaries.**
2. Your family will have the peace of mind from the loan liability, and they will still be able to continue living in that loving warm home.
3. Easy and flexible premium payment.
4. Short premium payment and longer protection.

Protect your business loan ​with single premium payment

1. Receive 100% of sum assured in case of Death or Total Permanent Disability (TPD) due to illness or accident​. Sovannaphum Life will help settle your business loan liability directly with Canadia bank.
2. Your family will have peace of mind from loan liability, and your business will live on.
3. Easy with single premium payment.

Protect your business loan ​with single premium payment

1. Receive reducing sum assured benefits in case of Death or Total Permanent Disability (TPD) due to to illness or accident​​. Sovannaphum Life will help settle your business loan liability directly with Canadia bank.
2. Your family will have the peace of mind from the loan liability, and your business will live on.
3. Easy and time saving through single premium payment.

Protect your business loan starting from $22 per year1

1. Receive reducing sum assured benefits in case of Death or Total Permanent Disability (TPD) due to illness or accident. Sovannaphum Life will pay the benefits to the beneficiaries.**
2. Your family will have the peace of mind from the loan liability, and your business will live on.
3. Easy and flexible premium payment.
4. Short premium payment and longer protection.

Get protection up to 400%

1. Receive benefit in case of Death or Total & Permanent Disability caused by illness or accident *
2. Receive double benefit in case of death caused by accident *
3. Cash bonus 5% payable every 5 years until the end of the policy term **
4. Short premium payment and longer protection.
5. No premium increment for entire policy term

This product is specially designed for customers who would like to have protection and saving to meet their future financial need or project.

1. Receiving cash bonus 5% of sum assured every 5 years through out the policy term and other benefits (if any)(1)
2. Receiving up to 140% of sum assured at the end of the policy maturity date(2)
3. Receiving 200% of sum assured in case of Death or Total and Permanent Disability (TPD) caused by illness or accident(3)

Longer Life Insurance Protection with an affordable Premium Payment.

1. Received 200% of sum assured in case of Death or Total and Permanent Disability (TPD) caused by illness or accident or;
2. Received 115% of sum assured at the end of year 15 in case the insured survives at the end of policy year 15.

The Best choice with high Life Insurance coverage and a shorter policy term.

1. Death or Total and Permanent Disability (TPD) caused by illness or accident: received 200% of sum assured or,
2. Survival benefits: received 110% of sum assured at the end of year 10th

Receive Life Insurance Protection for 15 years but only pay premium for 10 years.

1. Premium payment only 10 years but get 15 years protection
2. Get 200% of sum assured in case of Death or Total and Permanent Disability (TPD) cause by illness or accident or,
3. Get 110% of Sum Assured at the end of year 15 as survival benefit, plus (+)
4. Get extra 5% of sum assured every 5 years (Year 5th, Year 10th & Year 15th

Cover on Critical Illenss cost protection and other life insurance benefits Starting from $12.5/months*

1. Receive 100% of benefits for Critical illness Cost Protection
2. Receive up to 100% of benefits for Personal Accident Protection
3. Receive Hospital Daily Benefits or two times for(ICU)**
4. Receive 100% of benefits for SMILE Term Life Protection
5. Receive a maturity benefit at the end of the policy term
6. Premium payment remains unchanged for the rest of the policy term.

Financial protection for employee's family from unforeseen death.

1. Upon death of the life insured member during the coverage period due to sickness or accidental causes, the 100% of sum assured will be payable.

Financial protection if the employee becomes totally and permanently disabled.

1. In the event of TPD due to sickness or accidental causes, 100% of sum assured will be payable in one lump sum.

Daily cash benefit up to 30 days while employee confines in the hospital for treatment at least 6 hours consecutive hours.

1. The hopital daily benefit will be payable in case the insured member is injured or ill, which causes the insured member to be admitted as an inpatient of a hospital as required by its medical necessity for at least 6 consecutive hours, where the daily benefit of each hospital confinement arising from one injury or illness at once time shall not exceed 30 days.
2. The extra 100% of hospital daily benefits will be payable in case the insured member is admitted as an inpatient in the Intensive Care Unit (ICU) of a hospital, where the daily benefit of each hospital confinement arising from one injury or illness shall not exceed 7 days.
3. The total benefit payout per day (points 1 and 2) shall not exceed 200% of the stated daily benefit.
4. The maximum length of staying as inpatient (for points 1 and 2) per one hospital confinement shall not exceed 30 days.

Financial protection in event of death or loss of body parts arising from the accidents.

1. Upon death of the Insured Member during the coverage period due to Accidental causes, 100% of the Group Life Accident Protection sum assured will be payable to the beneficiary(ies).
2. In case the Insured Member suffers from dismemberment, loss of eyesight, hearing, or speech, the percentage* of the sum assured will be payable. * Detail of the percentage is set out in the Terms and Conditions.
3. In case the Insured Member becomes totally and permanently disabled due to accidental cause, the Company will pay compensation of 100% of the sum assured to the Insured Member.

Comprehensive reimbursement package from treatments due to injuries caused by accident.

1. If an injury arising from accident causes the insured member to require medical treatment by physician or nurse within 52 weeks from the date of the accident, the company will pay for the medical expense based on the actual payment after deducting the reimbursement from other source (if any).The maximum benefit per accident shall not exceed the sum insured per accident

Comprehensive financial support that let the employee focus on recovery from illness.

1. In case the Insured member gets diagnosed as suffering from critical illness (cancer, stroke, heart attack, end-stage lung disease, end-stage kidney disease), 100% of the sum assured will be payable.