Universal Life Product PRU-ACTIVE

• Maturity benefit

  • 100% Policy Account value

• Total and Permanent Disability Benefit

  • The higher value between SA and Base Account Value; plus Top-up Account Value (if any) at the time the Insured incurs TPD

• Death Benefit: The higher value between SA and Base Account Value; plus Top-up Account Value (if any) at the time the Insured incurs death.

  • The death benefit claim is approved only when the Total and Permanent Disability Benefit has not been approved for payment.

• Accidental Death Benefit: Accidental Death Benefit = Death benefit + 100% SA

• Investment benefit: Enjoy investment interest from the Universal Life Fund announced by Prudential which is not lower than guaranteed interest rate during the Policy term.

  • The investment interest rate of the Universal Life Fund is announced quarterly on the website www.prudential.com.vn. Fund performance and detailed reports on insurance policies are sent to customers annually.

  • Regardless of overall market fluctuations, the interest rate paid to customers is always guaranteed at the committed interest rate throughout the Contract Term as follows:

    • Year 1: From 4.5%/ year

    • Year 2 - 10: From 3%/ year

    • Year 11 – 15: From 2.5%/ year

    • From year 16 to end of policy term: From 0.5%/ year

• Policy Loyalty Bonuses:

  • 150% Target Premium of 1 Policy Year on the 10th Policy Year Anniversary Date.

  • 100% Target Premium of 1 Policy Year on the 13th Policy Year Anniversary Date.

  • 50% Target Premium of 1 Policy Year on the 16th Policy Year Anniversary Date and every 3 years afterwards

  • Policy loyalty bonuses will be automatically added to the Account Value additional accruals.

• Critial Illness Benefit

  • Late stage Critial Illness Benefit: Receive an interest-free advances of up to 50% of the Account Value, but not exceed VND 500 million if the Insured incurs late stage Critical illness. The Maximum advance term is 6 months.

• Enhanced Protection benefits against the risks of accident:  Receive 100% SA for disability/ severe burns due to accidents

  • Up to 100% SA for disability/ severe burns due to accidents

  • Receive from 100% to 300% remained SA in case of Accidental Death (after deducting benefit of Disability/ Burns due to accident paid previously).

Entry Age: 0 - 65 years old
Expiry Age 100 years old
Policy Term Until 100 years old
Premium term:
Equal to Policy Term. Flexible payment of fees from the 6th year of the contract (*).
Serving needs: Comprehensive  nancial protection against the risks of Accidents, Critical Illnesses, and healthcare thanks to combinations of main product and a diverse portfolio of riders

Note: All feature and insurance bene ts presented herein are of summarized nature and for eference only. All features and conditions thereof shall be carried out in accordance with the terms and conditions as approved by the Ministry of Finance.

(*) TP is mandatory for the first 5 policy years (called must-pay period). After that, the PO can pay any amount of premium at any time as long as FV is maintained to be above 0. Reducing/suspending premium payments for a long time may affect insurance benefits and the Contract may become invalid if the Contract Fund Value is not enough to pay the Risk Insurance Fee and/or Management Fee. contract. Customers should maintain regular premium payments and additional investments to ensure the validity of the contract and maintain protection and investment goals as planned.

​​​​​1. Death claim exclusions
a. Suicide whether sane or insane, within 24 months from Policy Effective Date or the latest Reinstatement date, whichever is later; or
b. HIV infection, Acquired Immune Deficiency Syndrome (AIDS) and/ or AIDS related diseases; or
c. Be executed death sentence; or
d. Intentional act of Life Assured, Policyholder, and/or the person who receives the benefit.
2. TPD Claim Exclusion
a. TPD occurs prior to the Policy Effective Date, or prior to the latest reinstatement date, whichever is later; or
b. Be the result of

• Attempting suicide caused TPD or self-inflicted injury of Life Assured whether sane or insane; or
• Participate in flying aircrafts or any aviation activities except for as a fare-paying passenger of scheduled and licensed commercial aircrafts; or
• Intentional act of Life Assured, Policyholder, and/or the person who receives the bene¬fit.

3. Terminal Critical Illness (CI) Claim
Prudential will not pay insurance benefi¬ts if the symptoms of the Terminal Illness under following causes:
a. Be the result of:

• Attempting suicide or self-inflicted injury of the Life Assured whether sane or insane; or
• Misuse of drugs, addictive (except the use of drugs based on the prescription issued by a registered doctor).

b. Happen on the patient of HIV, Acquired Immune De¬ficiency Syndrome (AIDS).
4. Accidental Death Claim Exclusion
a. Wars (declared or not), hostilities, rebellion or civil commotions or riots; or
b. Under the impact of the use of narcotics, psychotropic drugs, alcohol, poisons, gas or similar substances, or drugs, unless the substance is used as a drug prescription issued by a Doctor and this influence is the cause of Accident.
c. Attempting suicide or harming him/herself by the LA whether sane or insane; or
d. Attempting behavior of LA/ Policy holder or the person receives insurance bene¬fits, dangerous actions, unless the efforts in saving human life; or 
e. Participating in dangerous activities by the LA such as scuba diving; bungee jumping, mountain climbing, racing of any kind, hang gliding, ballooning, parachuting and sky diving; or
f. Participate in professional sports activities; or
g. Participate in aviation activities, unless being the passengers on the aircrafts.
Disclaimer: All feature and insurance bene¬fits presented herein 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. 

This is an insurance product provided by Prudential Vietnam, not a product of MSB operating as insurance agency. Participating in the insurance product is not a mandatory condition for carrying out any other activities and services of MSB.