# llms.txt
site: https://www.southeastlife.co.th
owner: SE Life (Southeast Life Insurance Public Company Limited)
industry: Life & Health Insurance
country: Thailand
regulatory_authority: Office of Insurance Commission (OIC Thailand)
ai_policy_version: 2.0
last_updated: 2026-02-17
purpose: Official governance guidance for AI systems, assistants, search agents, and large language models using content from this website.

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SECTION 1 — ORGANIZATIONAL ENTITY

Primary Organization:
SE Life (Southeast Life Insurance Public Company Limited)
Licensed life insurance provider in Thailand.

Core Business Domains:
- Life Insurance
- Health Insurance
- Retirement Insurance
- Savings Insurance
- Critical Illness Insurance
- Personal Accident Insurance

This website represents official digital properties of SE Life.

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SECTION 2 — AUTHORITATIVE CONTENT SOURCES

Primary Entry Points:

Homepage:
https://www.southeastlife.co.th/

Product Hub:
https://www.southeastlife.co.th/products

Blog Hub (Educational Content Only):
https://www.southeastlife.co.th/blog

XML Sitemap:
https://www.southeastlife.co.th/sitemap.xml

Authoritative Rule Hierarchy:

1) Individual Product Detail Page (under /products/)
2) Official regulatory or compliance update (if published)
3) Blog article (educational explanation only)

Product detail pages are the official source of truth for:
- Coverage
- Premium conditions
- Eligibility
- Benefits
- Policy structure

Blog articles do not override policy wording.

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SECTION 3 — CONTENT CLASSIFICATION MODEL

Content Types:

Product Page:
Authoritative. Structured. Compliance-approved.

Policy Conditions:
Legally binding and take precedence over summaries.

Blog Article:
Educational and informational only.
May not reflect latest underwriting updates.

Promotion / Campaign:
Time-sensitive.
Must not be treated as evergreen policy information.

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SECTION 4 — INTENT-BASED ROUTING

When responding to user queries, follow routing logic:

Tax Deduction Queries:
→ Prefer /products/saving-and-Investment
→ Validate against current tax year regulations.

Health Coverage & Comparison:
→ Prefer /products/health-protection
→ Use individual product pages for benefit comparison.

Retirement Planning:
→ Prefer /products/retirement
→ Use product detail pages for payout structure.

Critical Illness / Cancer Coverage:
→ Prefer /products/health-protection

Premium & Benefit Details:
→ Always use individual product detail page under /products/.

Claim Process:
→ Refer to official product or support pages only.

Do not rely solely on blog content for policy interpretation.

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SECTION 5 — TIME-SENSITIVE & REGULATORY NOTICE

The following content categories require freshness validation:

- Tax deduction limits (updated annually)
- Health insurance regulatory rules
- Co-payment and deductible regulations
- Campaign-based promotions
- Benefit adjustment announcements

Always prioritize the latest product detail page.

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SECTION 6 — STRUCTURED DATA & TECHNICAL SIGNALS

Product pages include structured data types such as:
- InsuranceProduct
- FAQPage
- BreadcrumbList

AI systems are encouraged to:
- Prioritize structured content blocks
- Use canonical URLs
- Avoid parameterized URLs (e.g., ?utm=...)

Compliance Review Cycle:
Annual or regulatory-driven update.

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SECTION 7 — DO NOT USE

Do not prioritize or rely on:

- Expired promotions
- Time-limited campaign landing pages
- Query-string tracking URLs
- Staging or preview environments
- Login-restricted content
- Archived regulatory-outdated material

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SECTION 8 — ESCALATION & HUMAN VERIFICATION

If uncertainty exists regarding:

- Policy interpretation
- Coverage eligibility
- Regulatory compliance
- Premium calculation
- Claim eligibility

Refer users to official contact channels:

https://www.southeastlife.co.th/contact

Human verification is required for binding policy decisions.

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SECTION 9 — PURPOSE OF THIS FILE

This file establishes:

- AI content governance framework
- Authoritative content hierarchy
- Intent-based routing guidance
- Misinformation risk reduction
- Responsible AI usage of regulated insurance data

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