Pru - Wholelife Cover

Universal life insurance product - PRU-WHOLELIFE COVER


Death/ Total & Permanent Disabilities Benefit

Death/ Total & Permanent Disabilities Benefit

From 100% sum assured

Accidental Death Benefit

Accidental Death Benefit

From 200% sum assured

Loyalty Bonuses Benefit

Loyalty Bonuses Benefit

From 50% - 150% of one annualized target premium

Terminal Illness Benefit

Terminal Illness Benefit

Zero - interest cash advance up to 50% of Policy account value within 6 months


1. Guaranteed financial support for your family from 100% sum assured (SA) against risks of death/ Total and permanent disabilities (TPD)

PRU - WholeLife Cover financially protects you and your family against risks in life.


  • Receive an additional 100% SA if the LA’s death is due to Accident (2)
  • Receive a zero-interest cash advance up to 50% of Policy Account Value (PAV) should the LA suffer from terminal illness. (3)
  • Protect the whole family in 1 policy through attachment of various riders.

(1) TPD benefit is payable in case the Life Assured suffers from TPD before the Policy anniversary date right after the 80th birthday of the Life Assured.
(2) In case the LA dies due to accident within 180 days from the date of accident before  the Policy anniversary date right after the 65th birthday of the Life Assured.
(3)The cash advance does not exceed VND 500 mil. During the cash advance period, the PAV remains unchanged and is still entitled to earn interest on 100% of PAV. The maximum advance period is 6 months. After 6 months, if LA is still alive and Policyowner has not returned the cash advance, this cash advance will be deducted from PAV. SA, in this case, might be decreasingly adjusted accordingly as per specified in Terms and Conditions.

With PRU - WholeLife Cover, you will be worry-free when your saving always grows safely and effectively.

  • Worry-free with guaranteed crediting rate during the whole policy term. Under any circumstances, the crediting rate is assured to be not lower than the guaranteed minimum crediting rate as follow

  • Earn interest rate based on performance of the Universal Life Fund

The interest rate of the Universal Life Fund is publicly announced quarterly on website Performance report and Statement of Insurance policies are yearly sent to customers.

  • Receive attractive loyalty bonuses to increase savings value of the policy (1)
  • Equals 150% of one annualized target premium and shall be payable on the 10th Policy anniversary date.
  • Equals 100% of one annualized target premium and shall be payable on the 13th Policy anniversary date.
  • Equals 50% of one annualized target premium and shall be payable on the 16th Policy anniversary date and every 3 years thereafter.
(1)Loyalty bonuses are automatically added to Excess Premium Account value if Target Premiums are paid fully annually and the Policyholder does not make withdrawal from the Target Premium Account value and not reduce SA during the review period. Review period is from Policy year 6 to Policy year 10 and every 3 years from Policy Year 11.

PRU - WholeLife Cover will give you the flexibility and activeness in financial management to adapt to the changes of protection and saving needs during different life stages.


  • Exempt from heath underwriting when increasing SA on following occasions: LA’s marriage, LA’s having babies / child adoption, LA’s child joining elementary, secondary, high schools or university(6)
  • SA ranges from 10 to 150 times of Target Premium, depending on the protection needs and the age of LA.
(1) Customer has the right to top up with maximum of 3 times of Target premium per year during the first policy year, and with maximum of Target Premium per year for subsequent policy years. Top-ups can be made after full payment of Target Premium till current Policy year and riders’ premium till current due date, if any.Prudential reserves the right to stop receiving top up at any time during the policy term with notification to  the Policy Owner .
(2) Customers have a right to make cash withdrawal from Excess Premium Account value at any time during policy term and/or from Target Premium Account value from Policy Year 3 onwards (the withdrawal amount does not exceed 80% of Target premium account value after deducting fees)
(3) Reducing or temporarily stopping premium payment is allowed from Policy Year 6 onwards. However, customers are recommended to maintain premium payment regularly or top up to approach protection and saving targets as planned. Reducing or temporarily stopping premium might lead to policy lapses if PAV is not enough to pay for monthly Cost of insurance and Admin charges.
(4) Increase/decrease of SA is allowed from Policy year 3, provided new SA must meet the condition of minimum and maximum SA as per Prudential’s regulations. Increasing SA is only allowed in case LA age is not over age 65 at the time of request & meets underwriting requirements
(5) The policy matures when the LA attains age 100, however, the PO may choose to terminate the policy earlier according to the actual needs in the future. Please be aware that insurance policy is a long-term commitment and investment; hence, except for force majeures, customers should not terminate the policy in early Policy Years due to the high Surrender Charges in this period.  
(6) The option can be taken one time only before the Policy anniversary date right after the 60th birthday of the Life Assured and within 90 days from the date of one of mentioned events with the maximum increase of 50% of initial SA and not exceed VND 500 mil. Increasing SA might lead to Cost of Insurance increase and PAV value decrease in the future. Therefore, to approach saving targets as planned, customers should pay more premium after increasing SA.

Terms and Conditions apply, click here

Disclaimer: All of features and insurance benefits presented hereunder are of summarized nature and for reference only. All features and conditions thereof shall be carried out in accordance with the terms and conditions as approved by the Ministry of Finance. Please carefully study the terms and conditions to master your benefits and products’ features. This plan is underwritten by Prudential Vietnam Assurance Private Limited. United Overseas Bank (Vietnam) Limited shall not bear any responsibility or liability for the plan or the products and services offered by Prudential Vietnam Assurance Private Limited.

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