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Comprehensive Investment

An advanced investment and enhanced protection solution helps you face the future not only with confidence but with your dreams in mind.
Inspiring Future

Investment - Savings -Insurance are three solid financial pillars of new value foundation for the modern life. Choosing a flexible combination of these elements right now will help build up your future comfortable and prosperous life.

With our global experience and solid financial background, BIDV MetLife proudly offers you with a Comprehensive Investment Solution featured by steady investment growth rate, ability to maintain and secure the initial investment, plus full protection for you and your beloved ones

Why choose this solution?

Attractive investment interest:

  • The accumulative interest on the account is guaranteed to be no less than the committed amount.
  • Additional premiums may be paid at your discretion to increase your return on investment.

Flexible investment instruments:

  • The sum assured and premiums may vary by demand.
  • It is flexible to withdraw and make advances from the policy account value.
  • Premiums may be adjusted or suspended after the minimum premium payment period with the full protection.

Transparent information:

Customers receive periodic transparent investment reports.

Increased protection benefits:

Additional options for critical illness/personal accident/term life insurance benefits are flexibly available.

Product Overview

Overview
Entry age

18 - 64 years old (according to the last birthday)

Premium payment period

1 – 47 years

Term of policy

1 – 61 years

Minimum premium payment period
  • Premium payment for ≤ 4 years: equal to premium payment period
  • Premium payment from 5 to 10 years: 5 years
  • Premium payment for > 10 years: Half of premium payment period (no more than 10 years)
Premium payment period

Annual/ Semi-annual/ Quarterly/ Monthly

Minimum sum assured

5 times of the first-year premium

Investment benefits

Being entitled to interest from investment in the Universal Life Fund, at the rate (before deducting fund management fees) which is always guaranteed to be not less than 8% in the first year of the policy (with the premium payment period of 11 years or more) and 3% until the twentieth-year of the policy, and equal to the rate applicable to the 10-year Government bonds, minus 1.5% from the twenty-first- year onwards.

Cash benefits
  • Getting a lump sum of the policy account value at maturity date, or
  • Receiving 15 folds of annual cash benefits within 14 years with equally, increased or decreased amount options.
Comprehensive protection benefits
  • Receive policy account value + 100% of the Sum assured in case of death by all causes or accident total permanent disability during the premium payment period.
  • Receive the policy account value + 50% of the sum assured in case of accident death or total permanent disability (up to 70 years old) during the period to get cash benefits.
  • Receive the policy account value in case of death by any causes other than an accident during the period to get cash benefits.
  • Getting the policy account amount in case of accidental death or accidental total permanent disability (up to 70 years old) during receiving periodic cash benefits.
Loyalty bonus benefits

During the enforce of the policy, the loyalty bonus are credited to the policy account value as follows:

  • 0.5% of the Policy account value at the end of the premium payment period.
  • 1.5% of the Policy account value at the end of the policy year in which the insured reaches 70 years old.

Additional Coverage Benefits

Comprehensive Investment Solution brings about not only growth values from your investment but also offers added protection benefits for you enjoy your life with peace of mind.

Customer can choose two or three foregoing additional benefits:

Extended Term Life Insurance
Entry Age

1 - 65 years old (according to the last birthday)

Term of Policy

1 year, yearly renewal

Maximum age for policy renewal

69 years old

Minimum of sum assured

VND 50 million

Maximum of sum assured

5 folds of the main product’s sum assured

Premium payment method

Annual/ Semi-annual/ Quarterly/ Monthly

Benefits
  • 100% of the sum assured is immediately paid in case of death or total permanent disability by all causes.
  • Extend coverage for family members under the same policy.
Personal Accident Insurance
Entry Age

5 - 60 years old (according to the last birthday

Term of Policy

1 year, yearly renewal

Maximum age for policy renewal

64 years old

Minimum of sum assured

VND 50 million

Maximum of sum assured

5 folds of the main product’s sum insured but no more than VND 5 billion

Premium payment method

Annual/ Semi-annual/ Quarterly/ Monthly

Benefits
  • 100% of the sum assured is immediately paid in case of accident death or total permanent disability
  • Payments in percentage of the sum assured are made based on the types of accident partial permanent disability.
Critical Illness Insurance
Entry Age

18 - 60 years old (according to the last birthday)

Term of Policy

1 year, yearly renewal

Maximum age for policy renewal

64 years old

Minimum of sum assured

VND 50 million

Maximum of sum assured

5 folds of the main product’s sum assured but no more than

VND 630 million

Premium payment method

Annual/ Semi-annual/ Quarterly/ Monthly

Benefits
  • 100% of the sum assured is paid immediately after the insured is first diagnosed to suffer or undergoes a surgery due to one of the 40 critical illnesses.

Universal Life Fund Operation and Investment Management Policy

Universal Life Fund Operation and Investment Management Policy
Universal Life Fund Operation and Investment Management Policy

Target and exceed premiums of universal life insurance products after deducting the initial charge will be allocated in accordance to the Universal Life Fund. The Customer is entitled to all investment results from the Universal Life Fund at the rate of return that is not lower than the minimum rate guaranteed in the policy.

The Universal Life Fund is managed and invested in a prudent and efficient investment strategy towards maximizing profits. Investment assets focus on secured, highly liquid, attractive yielding instruments, detail as follows:

  • Bank deposits with various terms
  • Government bonds
  • Corporate bonds (with or without guarantee)

Comprehensive Investment Brochure

See more details about our advanced investment and enhanced protection solution helps you face the future with confidence.

The product information contained herein is for reference only and is not intended to be contractually or legally binding on BIDV MetLife. Please refer to the terms and conditions in our Product Code and Terms for full details. BIDV MetLife reserves the right to make the final decision on approval of any claim based on the Company’s underwriting criteria.