Money saving plans and bank insurance

Here we have only the Bangkok bank last week my wife make a life insurance policy paying for 5 years for a maximum of 15 years every year 25 k, when older then 35 it can go up to 28k

At the end of year bank gives you 3000 k after 3 year more, when you save 15 years at end bank gives you 60 k, are all this rates garantee over the whole time or not

After 3 month also include a life insurance 100k , but not exident only health problems covered !

Death 100 k family members must share

I read interest rates topic but to long to read all

My saving plane I got offered putt 20000 k inside for one year

And have 3,1 Procent interest rates

End of year 3000 b

Is there a limit of money in account

Or the interests winning rates would be doubled with 400 k in closed account

Is this a good offer and does bk insurance realy pay in case of..?

Can someone give in short aswer condition of money and insurance plans of other banks have also kasikorn and scb are this to banks offer better conditions then Bangkok bank or not?