เอไอเอ บำนาญ ได้ชัวร์
AIA Annuity Sure
Tax-deductible guaranteed pension.
The textbook Thai tax-optimization vehicle — guaranteed pension from age 60 to 90, with up to THB 200,000 in annual tax deduction.
Strategic value
Why it matters
What this plan actually solves in a prestige client's portfolio.
Counts toward the THB 500K combined retirement basket (annuity + RMF/SSF) for tax planning.
Pension is guaranteed — not subject to investment risk, unlike Unit Linked.
Locks in long-tail income from 60 to 90 — protects against longevity risk.
Structure
The details, plainly stated.
- Tax deduction
- Up to THB 200,000/year (15% of assessable income)
- Premium terms
- 9 years (short-pay) or until age 59
- Pension period
- Age 60 to 90
- Guarantee
- Pension amount is contractually guaranteed
Plan highlights
- ◆Tax deduction up to THB 200,000 / year (15% of income)
- ◆Premium terms: 9 years or until age 59
- ◆Guaranteed pension age 60 – 90
- ◆Eligible as a qualifying annuity
Fit check
Is this plan for you?
We only recommend a product when it actually fits. If your situation matches the profile below, let's talk.
- ✓Professionals earning THB 1.5M+/year with high marginal tax
- ✓Anyone with under-utilized RMF/SSF capacity
- ✓Conservative savers who prioritize guarantees over upside
FAQ
Common questions
Can I cash out early?+
Surrender is possible but penalized — and it triggers a tax recapture on prior deductions. Only enter if you can commit to the term.
How does it stack with RMF and SSF?+
Annuity premium counts toward the combined retirement deduction ceiling (currently THB 500K/year including provident fund, RMF, SSF). We model your full stack before recommending an amount.
Next step
Get a personalized illustration
A 30-minute discovery call. We model your situation, run the numbers and only proceed if it makes sense.
Verify product details on AIA's official page: https://www.aia.co.th/th/our-products/save-invest/aia-annuity-sure