Universal Life Product PRU-ACTIVE

• Comprehensive financial protection against the risks of Accidents, Critical Illnesses, and healthcare thanks to combinations of main product and a diverse rider portfolio.
• Attractive guaranteed crediting rates from the Universal Life Fund along with loyalty bonuses that enable effective and profitable wealth creation.
• Protection benefits of up to 200% (*) of Sum Assured (SA) and advances of up to 50% of account value for terminal critical illnesses. 

(*) Accidental Death benefit of 200% of Sum Assured or Death/Total and Permanent Disability (TPD) benefit of 100% of Sum Assured for the Insured.

• 100% Giá trị tài khoản hợp đồng

1. Comprehensive financial protection against the risks of Accidents, Critical Illnesses, and healthcare thanks to combinations of main product and a diverse portfolio of riders.

• Protection benefits against the risks of disability, burns and accidental death up to 300% SA applied to customers who choose to participate additionally in Enhanced Accidental Death and Disability rider.

• Diverse healthcare protection options for yourself and your family with attached riders list.

2. Stable guaranteed crediting rates along with loyalty bonuses that enable effective and profitable wealth creation. With PRU-ACTIVE, you can rest assured that your savings will always grow steadily and safely.

• 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:

         Policy year:
         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
 

• Enjoy investment interest from the Universal Life Fund:
  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.

• Enjoy attractive policy loyalty bonuses to increase the cumulative value of the contract: 

  • 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.

• Maturity benefit: Receive 100% of policy account value.

3. Protection benefits of up to 200% SA and advances of up to 50% of account value for terminal critical illnesses. 

PRU-ACTIVE protects you and your family financial fund against unexpected events in life:

• Financial security for the family with 100% SA against the risk of Death/TPD.
• Receive an additional 100% SA if the Insured dies due to an accident.
• Receive an interest-free advance of up to 50% of the Account Value if the Insured incurs late stage Critical illness.

• Giá trị lớn hơn giữa Số tiền bảo hiểm và Giá trị tài khoản cơ bản; cộng với Giá trị tài khoản tích lũy thêm (nếu có) tính tại thời điểm xảy ra Thương tật toàn bộ và vĩnh viễn

• Quyền lợi tử vong: Giá trị lớn hơn giữa Số tiền bảo hiểm và Giá trị tài khoản cơ bản; cộng với Giá trị tài khoản tích lũy thêm (nếu có) tính tại thời điểm tử vong của Người được bảo hiểm.
• Quyền lợi tử vong do tai nạn1: Quyền lợi tử vong do tai nạn = Quyền lợi tử vong + 100% STBH
   

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