Affordable Life Insurance
for South East Asia & beyond
Whether you have people who rely on your income or have any liabilites, life insurance protects your beneficiaries from further financial hardship in the event of an untimely passing. Tenzing Pacific Services helps you get it right; from the type of life insurance to the provider and the amount of coverage.
With your life insurance plan, enjoy a range of benefits, click or hover to see more:
Death from All Causes
accidents, illness, disease
policy pays out upon death from all causes including accidents, disease or illnesses
Critical Illness & Disability
get extra coverage for Cancer, Heart Disease and other critical illnesses or total or partial disablement
expats or local citizens
worldwide coverage, take the policy with you if move internationally, including your home country
coverage and certificate
your policy covers death from covid, get a COVID available should you need one
see if your condition can be included for an additional fee or at no extra charge
based on age at entry
lock-in your price now for the duration of your term with term life-insurance
You should consider life insurance if you....
Lock-in your premiums for the entire duration of your term, which is based on your age at entry. This means your premium will not increase with age, inflation or changes to your health status. Take the example client below and the monthly premium by age:
Living in Thailand
Over the years, we’ve built relationships with a variety of international life insurance providers. By having options, it allows our advisors to match our clients to a life insurer who best suits thier requirements. These include different types of plans, including:
- universal life
- decreasing term
- annual life and more
Our Consultation Process
As part of a greater holistic consulting methodology, your Tenzing advisor will work with you to determine exactly how much life insurance coverage you need based on your assets, liabilities, final costs and your family’s ongoing and future needs. This data-driven approach makes sure you’re neither underinsured or overinsured, allowing for peace of mind should the worst happen.
to pinpoint how much you life insurance you need based on your circumstances
from our network of providers that align with your needs
present options that best suit your needs, including any add-ons or complimentary solutions
Applications, supporting documents & coordinate any medical exam, if needed
Get Life Insurance Quotes
No obligations or added expenses
Types of Life Insurance
Term life insurance is the most straightforward type of life insurance, where a policyholder takes out a policy for a fixed duration of time, the term. If the policyholder passes away during hte term, then the insurer will pay out the benefit as specified. Term-life insurance pays out on death from all causes and usually has options to add on disability, criticall illness or higher accident cover.
The duration of the term is up to the policyholder and is one contributing factor into the premium in addition to policyholders's age, smoking, gender, sum insured value and health, among other factors.
Term life insurance is different from universal, whole life, or permanent life insurance in that it provides coverage only for a specified amount of time. Once the term expires, there is no cash back element, the policy is over. This is why term life insurance is very affordable.
Rather than selecting a specific term, with whole life insurance the policyholder is covered for their whole life. This will guarantee to pay the benefit out so long as premiums are paid & the claim is valid. Payments are still made every year, or can be condensed into a 10-year period. There is no cash back/refund element. Premiums are fixed for the duration of the term, based on your age at entry.
Universal Life Insurance is usually used to generate wealth. With Universal Life Insurance, you put in a lump sum premium upfront. You're covered for 3x your lump sum. The minimum initial input is $50,000 USD.
This is a term life policy, but there is no set term. You just pay the renewal premium every year. Premiums annually will increase with age & inflation.
Life insurance is common around the world and is used as a way for family and loved ones to pay off debts, fund college or university, and provide other essential living expenses when they are needed the most. Life insurance is a routine element of a family’s financial plan.
We offer competitive and affordable premiums rates that do not increase by year or with inflation. Our services are meant to benefit individuals and families by easing the burden of making important financial decisions without worrying about payment increases or unforeseen costs and fees.
Tenzing Pacific Services is dedicated to working with you to provide optimal coverage for yourself and your loved ones and will stop at nothing to give you the most comprehensive life insurance policy possible.
Still, the final price will also depend on the type and length of coverage. Whole life insurance will be costlier due to its finite coverage length, often lasting the duration of the policyholder’s life. On the contrary, individuals can save money with term life insurance, as premiums are paid for only a specific amount of time.
Ten-Pac life insurance starts for as little as $20 USD per month.
Terms are usually in 5-year increments between 5-35 years. Payments can be annually, quarterly or monthly. If you stop paying the premiums, the policy will void with no refund. Premiums are fixed for the duration of the term, based on your age at entry. Rates will not increase with age of inflation.
There are also add-ons for: Critical Illness, Disability & Double Accident Benefit (benefit doubles if death is from accident)
Life insurance purchased in Vietnam covers death from all causes, including accidents and illnesses. Primary and tertiary beneficiaries can be appointed however the policyholder sees fit, with pricing options and premiums to match any budget.
Still have questions?
For any inquiries relating to our insurances feel free to speak to us during business hours.