Vietnam Maritime Commercial Joint Stock Bank

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

Login

Pru-Linked Insurance – Steady Investment Growth

A solution designed for customers seeking a responsible and reliable insurance-cum-investment solution.

What makes it special?

Product information

Overview	Pru-Linked Insurance – Steady Investment Growth is designed for customers seeking a reliable insurance and investment solution. Seven PRUlink investment funds with different risk levels provide flexible options, enabling customers to select an investment strategy that matches their financial goals and risk appetite.
Entry age	30 days to 70 years old.
Maximum age at policy maturity	100 years old.
Policy term	100 minus entry age.
Premium payment term	Equal to the policy term. Flexible premium payments are available from the 5th policy year.

Death Benefit	100% of the Sum Assured + Basic Account Value + Top-Up Account Value (if any).
Total and Permanent Disability (TPD) Benefit	1. TPD benefit not caused by early-stage thyroid cancer: 100% of the Sum Assured + Basic Account Value + Top-Up Account Value (if any). 2. TPD benefit caused by early-stage thyroid cancer: The lower of: (a) 10% of the Sum Assured, or (b) VND 100 million. This benefit is payable only once during the policy term.
Investment Benefit	Opportunity to invest and grow assets through seven PRUlink funds managed by Eastspring Investments Ltd.
Maturity Benefit	Upon policy maturity, the customer will receive 100% of the policy account value, after deduction of any outstanding liabilities (if any), provided that the policy remains in force.
Bonuses to Increase the Policy Account Value	1. Growth Bonus: Bonuses of up to 300% of the first policy year’s annualized basic premium, payable as follows: 10th policy anniversary: 150% of the first policy year’s annualized basic premium. 15th policy anniversary: 75% of the first policy year’s annualized basic premium. 20th policy anniversary: 75% of the first policy year’s annualized basic premium. 2. Loyalty Bonus: Bonuses calculated as a percentage of total deducted risk charges, payable as follows: 10th policy anniversary: 50% of total risk charges deducted during the first 10 policy years. 15th policy anniversary: 25% of total risk charges deducted from policy year 11 to year 15. 20th policy anniversary: 25% of total risk charges deducted from policy year 16 to year 20.
Transfer of Accumulated Value to a New Insurance Policy	The Policyholder may transfer the accumulated policy value to a new insurance policy with a new insured person when: The current insured reaches 60 years of age, or from the 20th policy anniversary, whichever occurs later. Key features of the new policy include: The entire policy account value will be transferred to the new policy. No mandatory premium payment period. No initial charges.
Flexible Features	Flexibility to adjust the Sum Assured according to protection needs at different life stages. Option to increase the Top-Up Account Value, with additional investments of up to five times the annualized basic premium of the current policy year. Ability to switch funds (2) and adjust investment allocation among the seven PRUlink funds without fees. Flexible premium payment from the 5th policy year. Partial withdrawals from the policy account value (3) without fees to meet financial needs. Ability to add optional riders for enhanced protection.

Frequently Asked Questions

Learn More

What is the Pru – Steady Investment Growth product?

27/03/2026

Pru – Steady Investment Growth is a life insurance product under the Pru-Linked Insurance (unit-linked insurance) category. Policy benefits are clearly separated between: Risk protection benefits (applicable in cases of death and/or total and permanent disability), and investment benefits

Insurance premiums will be allocated into unit-linked funds, which are invested in financial markets. The Policyholder receives the actual investment returns and bears the associated investment risks.

What benefits does Pru – Steady Investment Growth provide?

27/03/2026

The product provides the following benefits:

Risk protection benefits: protection against death and/or total and permanent disability.
Investment benefits: premiums are allocated into Prudential-managed unit-linked funds, and customers receive the full investment results while bearing the associated investment risks.
Maturity benefit: receive 100% of the policy account value.
Account value bonus benefits:

- Growth Bonus
- Loyalty Bonus

In which cases will the death benefit not be paid?

27/03/2026

Prudential will not pay the death benefit if the insured dies due to any of the following causes, whether directly or indirectly:

Suicide or self-inflicted injury within two years from the date the first basic premium is paid or the most recent policy reinstatement date.
Criminal acts or intentional misconduct by the Policyholder causing harm to the insured.
Criminal acts or intentional misconduct by the Beneficiary causing harm to the insured.
The insured being executed under a court judgment.
The insured being infected with HIV/AIDS or HIV-related illnesses (except for certain special cases under applicable regulations).
The insured using narcotics, illegal stimulants, or substances not prescribed by a physician.