Term Life Insurance
Pure protection, zero savings element: Functions like car insurance; covers a fixed duration (e.g., 10 or 20 years) with zero cash value returned if you survive the term.
The massive upside: Dirt-cheap premiums for massive coverage limits—a few thousand THB annually can easily secure 1–2 million THB in death benefits.
Who it is for: Young parents or new mortgage holders who need maximum coverage on a tight monthly budget.



