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

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Pru Universal Life Insurance – Maximum Protection

A solution designed to accompany customers in building an optimal financial protection plan, helping you stay confident against unexpected risks while accumulating sustainable financial value for the future.

What makes it special?

Product information

Overview	Pru Universal Life Insurance – Maximum Protection is designed to maximize protection value for every premium paid, providing a comprehensive financial protection plan while supporting sustainable long-term wealth accumulation.
Entry age	30 days – 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 or Total and Permanent Disability (TPD) Benefit

1. Basic Protection Plan

(a) The higher of the Sum Assured or the Basic Account Value, and

(b) Top-Up Account Value (if any).

2. Enhanced Protection Plan

(a) The Sum Assured plus the Basic Account Value, and

(b) Top-Up Account Value (if any).

Investment Benefit

1. Interest from the Universal Life Fund

The Policy Account Value has the opportunity to grow steadily with interest credited monthly based on the investment return rate announced by Prudential. In all cases, the interest rate will not be lower than the Minimum Guaranteed Interest Rate specified in the product’s Terms and Conditions.
The investment interest rate of the Universal Life Fund is announced quarterly. Customers may refer to the published investment interest rates here.

2. 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, and the insured is alive on the policy maturity date.

Bonuses to Increase the Policy Account Value

1. Customer Appreciation Bonus

Bonus Value	Bonus Evaluation Period	Bonus Payment Time
150% of the first policy year’s annualized basic premium.	First 10 consecutive policy years from the policy effective date.	10th policy anniversary.
75% of the first policy year’s annualized basic premium.	5 policy years from policy year 11 to policy year 15 and every subsequent 5 consecutive policy years.	15th policy anniversary and every 5 years thereafter.

The Customer Appreciation Bonus will be credited to the Basic Account Value.

2. Policy Maintenance Bonus

Bonus	Paid Account Value	Bonus Payment Time
4% of the average Basic Account Value over the preceding 60 months.	Basic Account Value.	20th policy anniversary and every 5 years thereafter.
4% of the average Top-Up Account Value over the preceding 60 months.	Top-Up Account Value.	20th policy anniversary and every 5 years thereafter.

Flexible Features

Change the Protection Plan.
Adjust the Sum Assured.
Guaranteed increase in the Sum Assured without medical underwriting at key life milestones.
Add or terminate optional riders at any time.
Flexible premium payments from the 5th policy year.
Make additional premium contributions.
Withdraw funds from the Policy Account Value.
Top-Up Account Value: Customers may request withdrawals at any time during the policy term; Up to 100% of the Top-Up Account Value may be withdrawn.
Basic Account Value: Customers may withdraw funds from the 2nd policy anniversary provided that:
The remaining account value meets Prudential’s minimum requirement.

Policy Year	Year 1	Year 2	Year 3	Year 4	Year 5	From Year 6 onward
Minimum Basic Account Value after withdrawal.	Not applicable.		The lower of 100% of the first-year basic premium or VND 20 million.			VND 5 million.

Frequently Asked Questions

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What is the Pru – Maximum Protection product?

27/03/2026

Pru – Maximum Protection is a life insurance product under the Universal Life Insurance category. Therefore, the product provides both: Risk protection benefits in case the insured dies or suffers Total and Permanent Disability (TPD), and Investment benefits through the policy account value.

How long is the premium payment period for Pru – Maximum Protection?

27/03/2026

The premium payment term is equal to the policy term. However, customers are not required to pay premiums throughout the entire policy term. The mandatory premium payment period is the first 4 policy years. During this period, the policy may lapse if the basic premium is not paid fully and on time. From the 5th policy year onward, customers may pay premiums according to the expected payment schedule, or flexibly adjust premiums (increase, decrease, or temporarily suspend payments). However, reducing or suspending premium payments for a long period may affect insurance coverage, and the policy may lapse if the policy account value is insufficient to cover risk charges and/or policy management fees. Customers are encouraged to maintain regular premium payments and make additional contributions to ensure policy validity and achieve their long-term protection and financial accumulation goals.

What rights do I have under the Pru – Maximum Protection product?

27/03/2026

While the policy remains in force, the Policyholder has the following rights:

Change the Protection Plan.
Adjust the Sum Assured.
Exercise the Guaranteed Increase in Sum Assured option.
Add optional riders.
Make additional premium contributions.
Withdraw funds from the Policy Account Value.
Terminate the insurance policy before maturity.
Other rights in accordance with applicable laws and the product’s Terms and Conditions.

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Eligible customers	Individual customers residing in Vietnam in accordance with MSB regulations.
Conditions	Customers must have a current account at MSB.

Khách hàng cá nhân

MSB Digital Bank

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Vietnam Maritime Commercial Joint Stock Bank

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Pru Universal Life Insurance – Maximum Protection

Pru Universal Life Insurance – Maximum Protection

What makes it special?

Multi-layer protection of up to 100% of the Sum Assured

Flexible and diverse benefits

Financial accumulation with guaranteed interest and bonus benefits

Product information

Frequently Asked Questions

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