100% of policy account value, after deducting any outstanding loans (if any), provided the policy is still in force and the life insured is alive on the maturity date

Death or TPD Benefit (except for early-stage thyroid cancer)
Depending on the selected insurance plan:
- Basic Protection Plan: Max (sum assured, target account value); and top up account value (if any)
- Advance Protection Plan: The total of sum assured and target account value; and top up account value (if any)
TPD benefit due to early-stage thyroid cancer: 10% of the Sum Insured (SI), but not exceeding VND 100 million per Policy.
TPD Benefit due to early-stage thyroid cancer is payable only once throughout the policy term.

- Investment and Bonus Benefits of PRU–MAX PROTECT
- The contract account value has the opportunity for steady growth with interest credited monthly, based on the investment return rate announced by Prudential. In all cases, this rate will not be lower than the minimum guaranteed investment interest rate as specified in the product’s Terms and Conditions.

Loyalty Bonus Benefit: 
- 150% of the first year’s annualized basic premium on the 10th policy anniversary.
- 75% of the first year’s annualized basic premium on the 15th policy anniversary and every 5 years thereafter.

Customer Appreciation Bonus: 
- 4% of the average Basic Account Value over the 60 consecutive months immediately preceding the 20th Policy Anniversary and every 5 years thereafter, subject to the Policy being in force.
- 4% of the average Top-up Account Value over the 60 consecutive months immediately preceding the 20th Policy Anniversary and every 5 years thereafter, subject to the Policy being in force.

Flexibility Options:
- Change of Insurance Plan/ Change in Sum Assured
- Guaranteed Increase in Sum Assured without medical underwriting at key life events
- Addition or Termination of Rider(s)
- Flexible premium payment from the 5th Policy Year onwards
- Top-up Premium Payment/ Partial Withdrawal from the Policy Account Value

30 days old - 70 years old

100 years old

100 - Issued age

Equal to the policy term. Flexible premium payments starting from the 5th policy year.