100% pay back of total annual standard premium paid* at maturity.



Living Benefit

  • At maturity, get annual cash back 100% of total annual standard premium paid
  • Total benefit for whole contract 100% of total annual standard premium paid


Death Benefit

  • In case of loss of life, the company will pay not less than 100% of Sum Assured or according to the details specified in the policy (if any)

Total Permanent Disability Benefit*

  • In case of total permanent disability, the company will pay 100% of Total Permanent Disability Sum Assured (condition of coverage and benefit payment are specified in the policy)

* Eligible age 17 - 55 years old; premium increases with age; Able to buy coverage within premium payment term only

Premium paid for life insurance coverage can be entitled for personal income tax deduction for up to the maximum of 100,000 baht per year according to the Revenue Department's regulation.

Underwriting Conditions PRU Smile Protection 10/5 PRU Smile Protection 15/10
Insurance term 10 years 15 years
Payment term 5 years 10 years
Eligible age 16 - 60 16 - 55
Mode of payment Annually, Semi-Annually, Quarterly, Monthly

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.