Product features of Pru WholeLife Cover

Maturity benefit
100% policy account value
Total and  Permanent Disabilities (TPD)
Max (sum assured, target premium account) + excess premium account
Death benefit
Max (sum assured, target premium account) + excess premium account
Accidental death benefit = Death benefit + 100% sum assured
Loyalty bonuses
150% of one annualized target premium and shall be payable on the 10th Policy anniversary date.
100% of one annualized target premium and shall be payable on the 13th Policy anniversary date.
50% of one annualized target premium and shall be payable on the 16th Policy anniversary date and every 3 years thereafter.

Loyalty bonus is automatically added to Excess Premium Account Value
Investment Benefit
Earn actual interest rate based on performance of the Universal Life fund but not less than guaranteed interest during policy term.
Terminal Illness benefit
Zero-interest cash advance equals to 50% Policy Value Account but not more than VND 500 mil., for a period of 6 months as maximum, if the Life assured suffers from Terminal illness. 100% Policy account value still earns interest during the cash advance period of maximum 6 months.
Guaranteed Insurability Option
The Policy Owner has the right to increase sum assured without underwriting within 90 days from the date of one of following events:
      • Life assured getting marriage;
      • Life assured having a baby or adopting a child;
      • Life assureds' child joining school including primary school, secondary school, or high school, or university.

Eligibility

Premium Term
Up to 100 years old (flexible premium payment from year 6th onward)
Policy Term
Up to 100 years old
Entry Age
0 - 65 years old