Comprehensive Investment

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

1 – 47 years

1 – 61 years

• 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)

Annual/ Semi-annual/ Quarterly/ Monthly

5 times of the first-year premium

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.

• 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.

• 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.

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.

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

1 year, yearly renewal

69 years old

VND 50 million

5 folds of the main product’s sum assured

Annual/ Semi-annual/ Quarterly/ Monthly

• 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.

5 - 60 years old (according to the last birthday

1 year, yearly renewal

64 years old

VND 50 million

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

Annual/ Semi-annual/ Quarterly/ Monthly

• 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.

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

1 year, yearly renewal

64 years old

VND 50 million

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

VND 630 million

Annual/ Semi-annual/ Quarterly/ Monthly

• 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.

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)