Universal life insurance Tan Binh An Phat Loc is a flexible financial solution that helps to protect the financial health of you and your family while also increasing your accumulated savings, making it easier to turn your plans and dreams into reality.
Taking chance to create the saving plans in the future by Today.
- Flexible in choosing insurance package and premium terms: The insurance benefits are designed to be flexible, with options prioritizing in protection or savings. Premium payments can be adjusted starting from the 6th year of the contract.
- Flexible in investment and withdrawal: Actively and flexibly to add the extra premium to increase the investment value at any time during the Policy’s validity. You can partial withdrawal the Policy account value (partial surrender of the insurance policy) for urgent financial needs.
- Competitive investment interest rate: Enjoy actual investment interest from the universal fund and no less than the minimum guaranteed interest rate of 3.5% per year.
- Optimize your savings and investment plan from Policy account value: Extra premiums paid each year can be up to five times the Target premium of the first year, helping you quickly increase your investment account value and accumulated value from Policy.
| Entry age | 18 - 55 years old |
| Maturity age | 60 years old |
| Policy term | 5-10 years |
- Protection benefits
In the event of death or total permanent disability, the company will pay the basic insurance amount corresponding to one of the following selected levels.
Currency: VND
|
Option |
1 |
2 |
3 |
4 |
5 |
|
Sum Assured |
20.000.000 |
50.000.000 |
100.000.000 |
150.000.000 |
200.000.000 |
- Additional protection due to accident benefit
In the event of death or total permanent disability due to an accident, the company will pay the Sum Assured of additional protection due to accident corresponding to one of the following selected levels.
|
Option |
1 |
2 |
3 |
4 |
5 |
6 |
| Sum Assured of additional protection due to accident |
50.000.000 |
100.000.000 |
200.000.000 |
300.000.000 |
400.000.000 |
500.000.000 |
| Monthly COI |
65.000 |
130.000 |
260.000 |
390.000 |
520.000 |
650.000 |
- Investment benefit
- Customers will receive the actual investment returns of the universal fund, with a minimum guaranteed investment interest rate of 3.5% per year. The investment returns distributed each year will be automatically credited to the investment account on January 1st of the following year.
- In the event of death or total permanent disability (whether due to accident or not) or if the Policy is terminated for other reasons, the company will pay the Policy account value at the time of termination.
- Full Surrender benefit
In the case of a full surrender of the Policy, the company will pay the Policy account value on the date of the surrender request, after deducting the surrender fee and service fee (Customer will pay the service fee depending on the distribution channels, if any)
- Partial Surrender benefit
In the case of a partial surrender of the Policy, the company will pay a portion of the Policy account value requested by the Customer on the date of the surrender request, after deducting the surrender fee and service fee (Customer will pay the service fee depending on the distribution channels, if any)
