Universal Life Insurance: A Stable Accumulation Solution in a Volatile Market

Strategy of wise investors

One of the important steps in the context of a volatile market that many experts emphasize is to allocate assets reasonably between channels to protect capital and avoid major risks when the market changes. Reasonable allocation between channels will help minimize the negative impact of one type of asset on the total portfolio, and at the same time help investors take advantage of opportunities from new market trends.

In Vietnam, Knight Frank expects the super-rich population to reach 978 people by 2028, an increase of about 30% compared to 2023 and in the top 5 in the Asia- Pacific region, ahead of Korea, Hong Kong and Singapore. This population group is increasingly interested in professional asset management and diversified investment portfolios to ensure financial security in a stable and sustainable manner. One of the popular choices is universal insurance products thanks to the ability to integrate health protection with stable interest rates from the universal fund.

Universal linked insurance is trusted and chosen by many investors as a stable and flexible accumulation channel.

Universal life insurance is also the choice of many customers when deciding to invest in life insurance products. According to the Vietnam Insurance Association, this product line currently accounts for more than 46% of total new life insurance revenue throughout 2024. Thanks to its stability and flexibility, universal life insurance plays an increasingly important role in the asset management strategy of high-income earners.

Comprehensive solution from BIDV MetLife

In the context of increasing demand for general insurance products, insurance companies have also introduced many superior products to meet the needs of customers. In particular, BIDV MetLife has recently introduced a new life insurance product called "Gift of the Future", belonging to the One-time Premium General Linked product line. This is a solution designed to simultaneously meet three important needs of high-end customers: protection, effective accumulation and flexible transfer of assets.

BIDV MetLife introduces the product "Future Gift" with the ability to protect, accumulate and transfer assets with just one payment.

Through this new product, BIDV MetLife has brought "double benefits" to customers by providing long-term health protection from 10 to 15 years, and the ability to make profits through effective investment interest from the Common Linked Fund. By allowing a one-time premium payment, the "Future Gift" insurance product brings many benefits to participants, one of which is to help limit risks when the insurance contract becomes invalid, or the protection benefits are interrupted due to late, forgotten or non-payment of premiums.

One of the concerns of many customers is the risk of asset decline when the market enters economic cycles of fluctuation. However, with the "Future Gift" insurance product, when the contract expires, customers will receive back the entire value of the accumulated account, including the investment interest from the common linked fund and the maintenance bonus on the 10th anniversary of the contract. The mechanism helps the "Future Gift" insurance product become a stable financial channel for "secure" long-term investment.

The complicated transfer of beneficiaries is also an issue of concern to many insurance customers. Understanding this issue, the product "Future Gift" provides the ability to transfer assets conveniently and easily when all insurance benefits are transferred directly to the previously designated beneficiary without having to carry out complicated legal inheritance procedures.

In the context of a volatile market, BIDV MetLife's "Future Gift" insurance product stands out as one of the comprehensive solutions, meeting the need for flexible, safe, and effective investment over a long period of time, while building a solid financial foundation in the future.

Source: https://thanhnien.vn/bao-hiem-lien-ket-chung-giai-phap-tich-luy-on-dinh-trong-mot-thi-truong-bien-dong-185250516142843667.htm