Strengthen your finances - Unlock your Titan
Receive a Lotusmiles Titanium card (Issued by Vietnam Airlines valued at VND 34,5 million to customers participating in Prudential Life Insurance with an initial premium from VND 100 million.
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General
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WHOLESALE BANKINGAbout UOB
UOB GroupUOB Vietnam
Features
Comprehensive peace of mind
with protection benefits of up to 110% of the Sum Assured plus the Account Value
Opportunity to grow your wealth
through attractive bonuses and actual investment results from PRUlink unit-linked funds
Fulfill your responsibilities
with the privilege of transferring accumulated value via the option to participate in a new insurance policy
Product Details
| Entry Age | Expired Age | Policy Term | Payment Term |
| 30 days - 65 years old | 100 years old | 100 minus entry age | Equal to policy term, flexibilty in payment from policy year 5 |
Main Benefits
| Benefit | Detail |
| Death Benefit |
(a) 100% Sum Assured plus Target Premium Account Value; and |
| Total Permanent Disability (TPD) Benefit |
Total TPD benefit up to 110% of the Sum Assured plus the Account Value 1. TPD Benefit Due To Early-Stage Thyroid Cancer Benefit:
2. TPD Benefit Not Due To Early-Stage Thyroid Cancer Benefit:
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| Investment Benefit |
1. Benefit of Receiving Actual Investment Results from PRUlink Unit-Linked Funds
2. Maturity Benefit
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| Growth Assets Benefit with Attractive Bonuses |
1. Growth Bonus Benefit: Up to 300% of the annual Target Premium of the first Policy Year:
2. Loyalty Bonus Benefit: Bonuses equivalent to a percentage of total Cost of Insurance deducted during the review period
|
| Increase Sum Assured Without Underwriting |
The Policyholder may request an increase in the Sum Assured without undergoing medical underwriting at any of the following events:
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| Transfer The Insurance Policy |
Starting from the time the current Insured Person reaches the age of 60 or from the 20th Policy Anniversary, whichever occurs later, the Policyholder may request the assigment of the Policy to a third party ("Transferee") by notifying Prudential's form provided that:
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Important Notes:
- All product features and insurance benefits listed in this document are for summary and reference purposes only. All benefits and corresponding conditions shall be implemented in accordance with the provisions stated in the Terms and Conditions approved by the Ministry of Finance.
- Customers should read the full Terms and Conditions of the PRU-Vững Tiến Unit-Linked Insurance product to fully understand the product, applicable fees, exclusion clauses, and their rights and obligations when participating in the insurance.
- Entering into a unit-linked insurance policy is a long-term commitment, and the Policyholder should not cancel the policy in the early years as the charges applied may be very high during this period.
- Investment returns from this insurance policy are not guaranteed. The Policyholder is entitled to all investment results and bears all investment risks from the selected Fund corresponding to the invested premium amount. Depending on the performance of the chosen Fund, the Policyholder may gain profits or incur losses from their investment. Past performance of the Fund is for reference only and does not guarantee future performance.
- Illustrated interest rates for unit-linked funds are not guaranteed and may increase or decrease depending on actual investment results.
Exclusions
Please refer to the detailed exclusion clauses as specified in the Policy Terms and Conditions of the PRU-WEALTHFORWARD product.
Exclusions on Death claims
Prudential will not pay the Death Benefit if the Life Assured (LA) dies due to any of the following reasons, whether directly or indirectly:
- For the Sum Assured at the time of issuance of the Insurance Policy, the Life Assured commits suicide or self-injury, whether in a normal mental state or insane, within 02 years from the date that the Policyholder pays first Target premium or the latest Reinstatement Date of this Policy, whichever comes later.
- For the increase in the Sum Assured, exclusion due to suicide or self-injury, whether in normal mental state or insane as prescribed in this Article shall apply within 02 years from the effective date of the increase in the Sum Assured or the lastest Reinstatement Date of this Policy, whichever comes later; or
- Due to a criminal act (as concluded by a competent state authority) or due to the intentional fault of the Policyholder against the Life Assured; or
- Due to a criminal act (as concluded by a competent state authority) or due to the intentional fault of the Beneficiary against the Life Assured, except for case defined in Article 2.3; or
- The Life Assured is executed by death penalty; or
- The Life Assured has HIV infection, AIDS or HIV/AIDS-related diseases, except in the case of HIV infection or AIDS as a result of HIV infection while performing duties at the workplace as a health worker or police officer; or;
- The Life Assured uses any type of narcotic substances, drug, stimulant that violates the law or without a Doctor's prescription.
Exclusions on TPD claims
Prudential will not pay TPD Benefit if the TPD Condition of the Life Assured:
- Has occurred prior to the Risk Commencement Date of this Insurance Policy or the latest Reinstatement Date of this Policy, whichever comes later, for the Sum Assured at the Risk Commencement Date of the Insurance Policy.
- For the increase in the Sum Assured, the exclusion under this Article shall apply in case the Life Assured's TPD status has occurred prior to the effective date of the increase in the Sum Assured or before the latest Reinstatement Date of this Insurance Policy, whichever comes later; or
- Due to thyroid cancer and the thyroid cancer is diagnosed within 90 days from the Risk Commencement Date of this Insurance Policy or the latest Reinstatement Date of this Policy, whichever comes later. For the increase in the Sum Assured, the exclusion of TPD due to thyroid cancer will apply within 90 days from the effective date of the increase in the Sum Assured or the latest Reinstatement Date of this Policy, whichever comes later; or
- For any of the following reasons, whether directly or indirectly:
(i) The Life Assured attempts suicide, unsuccessful suicide or self-injury resulting in TPD, whether in a normal mental state or insanity; or
(ii) Due to a criminal act (as concluded by a competent state authority) or due to the intentional fault of the Life Assured and/or the Policyholder against the Life Assured; or
(iii) Due to a criminal act (as concluded by a competent state authority) or due to the intentional fault of the Beneficiary against the Life Assured, except for case defined in Article 2.3; or
(iv) The Life Assured's participation in aviation activities, except as a passenger on civil flights; or
(v) The Life Assured uses any type of narcotic substance, drug, stimulant that violates the law or without a Doctor's prescription.
Note
The Terms & Conditions herein are for reference only. Details of the terms of the Insurance Contract are specified in the Terms & Conditions of the product.
Reference
1. Terms and Conditions, click here.
2. Brochure, click here.
3. Benefit Illustration, click here.
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