Life insurance category

GENERAL INFORMATION

Universal life product

Minimum payment term: 3 years

Policy term: 100 - entry age
Minimum Sum Assured: VND150 million
Minimum Premium: VND5 million

INTRODUCTION

A product that provides for long term savings via an cumulative fund based on investment returns achieved by the company.
Built in insurance protection benefits which are the most concerns of individual customers.

BENEFITS

- Built-in additional protection benefits for 05 Core Critical illnesses as: Cancer, Stroke, Heart-attack, Liver Failure, Kidney Failure.
- Providing immediate financial support for CI treatment, and for the health recovery time, while keeping insurance contract be inforce and improving value in 03 year when the life assured was losing his/her income due to critical illness.

- Embedded additional accidental coverage with triple benefit for public transportation or oversea accident coverage.

REQUIREMENT

Age Basis: Age Last Birthday

Entry Age: from 30 days - 70y

GENERAL INFORMATION
  • Non-Participating Saving Oriented Policy
  • Waiver of Premium in case of Accidental TPD of the Life Insured
  • Policy Term : 5 Years / 10 Years
  • Premium Term : 5 Years / 10 years
INTRODUCTION
  • This is a participating endowment product with regular payments. It is designed for medium term saving purpose, providing a cash sum at maturity for life events such as education or retirement etc. This product will pay death benefit in the event of death of the Life Assured as long as it happens during the policy term and when the policy is in force. It also has the feature of dividend sharing with the customers, by  lump sum at the maturity.
BENEFITS
  • Protection:
  • Death or Total Permanent Disability (TPD) due to all causes
  • Maturity: 100% SA
REQUIREMENT
  • Age Basis: Age Last Birthday
  • Entry Age: Min: 5 & Max: 60 
GENERAL INFORMATION
  • Universal life product
  • Premium Term : 1-47 Years.
  • Minimum Premium Term: 
  • (i)   = Premium term, for policy with premium term 1-4 years
  • (ii)  = 5 years, for policy with premium term from 5 to 10 years
  • (iii) = Min( 1/2 premium term, 10 years), for policy with premium term from 11 years and above"

 

INTRODUCTION
  • This Universal Life product provides the policyholder both saving and protection within one single product by offering competitive crediting rate and flexible options in protection and premium payment.
BENEFITS
  • Protection:
  • Death Benefit (by sickness and accident)
  • TPD by accident (build-in)
  • Maturity: 100% PAV 
  • - For policy with premium term less than 5 years : lumpsum option
  • - For policy with premium term from 5 years  :
  •         +) Annual payment option: Policy term = Premium term + 14 years or;
  •          +) Lumpsum option
  • Loyalty Bonus:
  • -  At end of premium term: 0.5% AV 
  • -  At end of policy year that the Insured attain 70 yo: 1.5% AV
REQUIREMENT
  • Age Basis: Age Last Birthday
  • Entry Age: from 18-64
GENERAL INFORMATION
  • Yearly renewable subject to the renewal conditions
  • Sum Assured Minimum: 50 million VND  
  • Sum Assured Maximum: 5bil VND
INTRODUCTION
  • This product will pay death benefit in the event of Death or Total Permanent Disability (TPD) of the Life Assured as long as it happens during the policy term and when the policy is in force. 
BENEFITS
  • Death or Total Permanent Disability (TPD) due to all causes
REQUIREMENT
  • Age Basis: Age Last Birthday
  • Entry Age: from 18-64
GENERAL INFORMATION
  • ​Yearly renewable subject to the renewal conditions
  • Sum Assured Minimum: 50 million VND  
  • Sum Assured Maximum: 5bil VND
INTRODUCTION
  • A yearly renewable critical illness rider  can be attached to basic plans. This rider covers 40 critical illnesses. If during the Rider term, the Insured Person is diagnosed with one of the 40 critical illnesses then Company will pay the Critical Illness Benefit to the Beneficiary upon either: 
  • (i)    the completion of the Surgery or 
  • (ii)  the First Confirmed Diagnosis of the critical illness. 
BENEFITS
  • 100% Sum Assured will be paid upon occurrences of anyone of the covered 40 critical illnesses such as: cancer, stroke, heart attack…
REQUIREMENT
  • Minimum entry age: 18 (Age Last Birthday)
  • Maximum entry age: 60 (Age Last Birthday)
  • Maximum renewable age: 64 (Age Last Birthday)
GENERAL INFORMATION
  • Yearly renewable subject to the renewal conditions
  • Sum Assured Minimum: 50 million VND  
  • Sum Assured Maximum: 5bil VND
INTRODUCTION
  • A yearly renewable Personal Accident rider can be attached to endowment, term basic plans or universal life products. This rider provides coverage on events such as Accidental Death, Accidental Total Permanent Disability or Accidental Partial Disability. 
BENEFITS
  • (i)   Accidental Death, 
  • (ii)  Accidental Total Permanent Disability,
  • (iii) Accidental Partial Disability
REQUIREMENT
  • Minimum entry age: 5 (Age Last Birthday)
  • Maximum entry age: 60  (Age Last Birthday)
  • Maximum renewable age: 64 (Age Last Birthday)
GENERAL INFORMATION
  • Yearly renewable subject to the renewal conditions.
  • Note: when rider is attached to a main cover, coverage term of the rider will be stated equal to coverage term of the main cover.
  • Sum Assured Minimum: 50 million VND  
  • Sum Assured Maximum: 8bil VND
INTRODUCTION
  • A yearly renewable term life rider product which can be attached to main plan such as UL, Endowment, Term Life, etc. This product will pay death benefit in the event of Death or Total Permanent Disability (TPD) of the Life Assured as long as it happens during the policy term and when the policy is in force. 
BENEFITS
  • Death or Total Permanent Disability (TPD) due to all causes
REQUIREMENT
  • Minimum entry age: 0 (>6 months) (Age Last Birthday)
  • Maximum entry age: 65  (Age Last Birthday)
  • Maximum renewable age: 69 (Age Last Birthday)
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