A brochure from Nongnoi’s letter · 01
Life
Your income, still working on the days you can’t.
Your income is your family’s largest asset. Life cover is how it keeps working on the days you can’t.
Who this is really about
If a spouse, a child, or a parent would feel it the day your income stopped, this page is about you. The question isn’t whether you need it. It’s how much is enough. I’ll work the number out with you, from your debts, your monthly spend, and the years your family needs to stand on their own.
Exclusions first. Always.
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Anything left off the application, like health history, smoking, or a risky job, can void a claim. I’ll help you declare it properly the first time.
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Nearly every policy has its own conditions: waiting periods, and exclusions for certain causes of death in the first policy years. I read that section out loud before anyone signs.
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Dangerous occupations or hobbies may be excluded or carry a higher premium. Declare them up front.
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Dividends and non-guaranteed returns are projections, not promises. I’ll always show you which column is which.
Where we usually start
My Whole Life A99/20 (with dividends)
Cover to age 99, premiums for only 20 years. For people who want lifelong cover without lifelong payments.
Ayudhya Chiwit Munkong A85/10-25
High cover at a lighter premium, to age 85. Built for the heavy-responsibility years: young children, a mortgage.
Underwritten by Allianz Ayudhya Assurance PCL · Please read and understand the coverage details and conditions before deciding to purchase insurance, every time.
Who it fits
Anyone with dependents, long-term debt, or a family that would need five to ten years of breathing room if you were gone.
Your number
A starting coverage target
A starting number for our conversation, not a premium quote.
A brochure from Nongnoi’s letter · 01 · Life