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| If you have dependents and they are under or above working age, that means you should think about having yourself ensured to make sure you and your family can cope with any unexpected events. |
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| Universal Life Product provides flexible financial planning and comprehensive protection to adapt to the different stages of life. |
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- Comprehensive protection for whole family
- Flexibility in planning financial plan
- Guaranteed interest receivable
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- Age
- Maximum Age at Policy Maturity
- Policy term
- Premium term
- Minimum Annual Premium
- Regular premium payment period
- Minimum Sum Assured
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| : 0 - 64 years old |
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| : 70 years / 99 years |
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| : 10 or 15 years / Whole life (35 to 99 years) |
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| : Same as policy term |
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| : VND 8,000,000 per annum |
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| : Monthly/Quarterly/Bi-annually/Annually |
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| : VND 100,000,000 |
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| You decide the Sum Assured (SA) as well as the Policy term and Premium payment period. You will then be protected against unforeseen risks in life such as Death or Total Permanent Dismemberment (TPD). Besides, you can enhance the comprehensive protection for your whole family with variety riders (*) supported by ULP or adjust level of protection as your need and affordability. |
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| During the Policy term, you can also initiatively top up the premium or withdraw part of Policy Account Value (PAV) to cover unexpected expenses. You are also guaranteed with an interest (**) receivable from the investment's result of Universal Fund and a periodic Loyalty Bonus. |
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| Example: |
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| Mr. Nam (35 years) is purchasing the ULP (basic benefit) for his son, Tuan (6 months ages) with the SA is 1 billion VND- whole life. The Annual premium payment for this case is VND 12,740,000/year. |
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| Hereafter is the illustration for the benefit of this policy: |
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| Note: |
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| (*) The Universal Life Product (ULP) will give you the flexibility and the initiative in planning a comprehensive protection plan for the whole family with a variety of riders from Hospitalization and Surgery, enhanced insurance benefit for the risk of accident to waiver premium benefit if the bread winner meets unfortunate risk. |
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| (**) In any cases, the minimum declared interest rate would be 5% per year in the first 10 policy year and 3% per year afterwards. |
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| (***) The PAV is accumulated based on the estimated annual interest rate 8%. In the event of death or TPD of the LA in Policy term, Prudential will pay highest amount among PAV and SA. |
- Hospital care
- Accident death dismemberment
- Accidental death benefits
- Level term
- Critical illness
- Critical illness waiver
- Juvenile dependent support rider
- Parent waiver
- Spouse dependent support rider
- Spouse waiver
- PruKids
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For further assistance on our Universal Life Product, please call CitiPhone at
(84 8) 3521 1111 or (84) 1900 1819. |
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| Terms and Conditions |
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| Important notice |
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Universal Life Product is a product manufactured by Prudential Vietnam Assurance Private Limited (Prudential). They are not bank deposits or obligations of, or guaranteed by Citibank N.A, Vietnam or any of its subsidiaries, group companies or affiliates.
Citibank N.A, Vietnam is not responsible or liable for any product and service offered by Prudential. Prudential is the insurance underwriter of this insurance product and is solely responsible for all insurance and compensation related matters. Prudential assumes full responsibility for the contents of the product's leaflets which is for reference only. Please refer to product's brochures, Benefit illustration and Policy wording for more details. |
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