In particular, up to now, this is the first time in the life insurance sector in Vietnam that a Unit-linked Insurance product has a feature that supports customers in exercising the privilege of transferring the prosperity value of the contract to the next generation.
When peace of mind becomes an essential need of Vietnamese families
Over the past decade, Vietnam’s middle class has grown rapidly and is expected to account for more than 50% of the population by 2035 (according to the World Bank). With their incomes improving, they are no longer just concerned with “making ends meet”, but are beginning to prioritize maintaining their quality of life and aiming to preserve and develop long-term assets. Goals such as their children’s future or peace of mind during retirement are becoming the main drivers of their financial decisions.
At the same time, the investment picture in Vietnam also shows many positive signals: the stock market continues to attract capital flows, sectors such as banking, consumer goods, and technology are forecast to grow steadily in the long term. The tastes of individual investors, especially in the middle and upper class, are shifting to investment channels that both create opportunities to increase asset value and are more sustainable.
Based on that real context, Prudential offers the product Pru-Stable Investment with a combination of optimal protection benefits and long-term investment solutions , helping customers feel secure in the present and prepare firmly for the future.
“This new product is one of the first steps to realize Prudential Vietnam’s new mission: Bringing complete peace of mind to every Vietnamese family . With Pru-Dau Tu Vung Tien, we want to bring customers not only protection and peace of mind in the present, but also a sustainable financial legacy for the next generation to continue and develop,” shared Mr. Kevin Kwon, CEO of Prudential Vietnam .
The optimal financial solution combining investment, protection and inheritance
As the next flagship product launched in 2025, Pru-Dau Tu Vung Tien not only meets the changes of the Law, the product also focuses on the needs and benefits of current customers.
The product is designed to simultaneously meet three important needs of today's customers with four core values:
- Responsible and reliable investment : Depending on their risk appetite, customers can choose to invest through 07 PRUlink Funds managed by Eastspring Investments Fund Management Company Limited (“Eastspring Investments”), currently one of the fund management companies with the largest total assets under management in the Vietnamese market, with a team of professional and highly specialized investment experts. Thanks to international experience, investment processes and strict risk control capacity, Eastspring Investments helps customers confidently accumulate and develop long-term assets. In the 5-year period of 2020 - 2024, despite going through a volatile period, Unit Linked Funds still have a cumulative growth rate of between 28.2% - 66.2% (1) .
- Opportunity to increase effective asset accumulation : The product has an attractive double bonus mechanism from the 10th contract year, in which the special Growth bonus is up to 300% of the annualized Basic Insurance Premium of the first Contract Year, helping customers increase their investment potential (2) .
- Complete protection: Insurance benefits up to 110% of the insurance amount (3) plus the Contract Account Value, and can proactively increase the Insurance Amount without health assessment at important milestones in life, helping families always feel secure against unforeseen life risks.
- Privilege of transferring accumulated value (4) : With PRU- Sustainable Investment, the Insurance Buyer has the right to transfer the inheritance right which is the entire accumulated value through the right to participate in a new Insurance Contract with a new Insured without having to reapply the mandatory premium payment period, and without having to apply the entire initial fee.
With the launch of the Pru-Stable Investment product, Prudential continues to affirm its role as a reliable companion in providing modern, transparent and suitable insurance and investment solutions to meet the increasingly diverse needs of Vietnamese customers.
(1) Data is calculated based on officially published data on Prudential's website: https://www.prudential.com.vn/export/sites/prudential-vn/vi/.thu-vien/pdf/thong-tin-quy/hoat-dong-quy-lien-ket-don-vi-thang7-2025.pdf .
(2) To receive the Growth Bonus and Engagement Bonus, please refer to the Rules and Terms of the PRU-DAU VUNG TIEN product at: https://www.prudential.com.vn/vi/san-pham-bao-hiem-nhan-tho/san-pham-bao-hiem-lien-ket-don-vi-pru-dau-tu-vung-tien/
(3) Applicable to Death Benefit or Total Permanent Disability Benefit Not Due to Early Stage Thyroid Cancer is 100% of the Sum Insured. For Total Permanent Disability Benefit Due to Early Stage Thyroid Cancer, Prudential will pay 10% of the Sum Insured, but not exceeding 100 million VND.
(4) The Insured may exercise the right to transfer the accumulated value to a new Insurance Contract with a new Insured Person, from the time the current Insured Person reaches 60 years of age or older or from the 20th Contract Year Anniversary, whichever comes later.
Source: https://daibieunhandan.vn/prudential-viet-nam-chinh-thuc-ra-mat-san-pham-bao-hiem-lien-ket-don-vi-pru-dau-tu-vung-tien-dau-tu-trach-nhiem-bao-ve-vung-vang-song-tron-yen-tam-10387911.html
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