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Full present joys, integral future plan
In our life, you always look forward to certain special and memorable events. It may be your child’s graduation, special anniversaries, the special holiday you have promised your loved one and birth of a new child. These memorable events can be made more meaningful if there are financial abilities to support and make them memorable.
What you need is an insurance plan that not only provides your family with adequate protection against any unfortunate events, but also provides you with cash at regular intervals to take care of these financial requirements at these special events. This allows you to pay the little pleasure in life, while saving up for your future.
Outstanding benefits of Pru - Cash Back
- Cash Liquidity
You may choose to either receive a guaranteed payout as cash or accumulate the same and earn compounded interest during your entire policy term. The cash payout is made annually beginning from 4th anniversary year with 4% of the Sum assured (SA) and this benefit will be increased by 2% every four (04) years.
- Savings
At the end of the fixed policy term of 12, 16 or 20 years, you can respectively receive maturity benefit up to 90%, 110%, 130% Sum Assured (SA) plus all declared Reversionary Bonus (RB) & Terminal Bonus (TB), if any.
- Protection
Pru - Cash Back protects you and your family against unfortunate eventualities in the incidents of Death, Total & Permanent Dismemberment (TPD), which the benefit is equivalent to 100% SA plus declared RB and TB (if any). We also offer optional benefits to enhance your plan by adding riders on medical, accidental, waiver premium and level term.
Pru - Cash Back benefits
1. Regular cash benefit:
| |
Policy term |
| Policy year |
20 years |
16 years |
12 years |
| From Year 4 - Year 7 |
4% SA x 4 years |
4% SA x 4 years |
4% SA x 4 years |
| From Year 8 - Year 11 |
6% SA x 4 years |
6% SA x 4 years |
6% SA x 4 years |
| From Year 12 - Year 15 |
8% SA x 4 years |
8% SA x 4 years |
- |
| From Year 16 - Year 19 |
10% SA x 4 years |
- |
- |
| Total regular cash benefit |
112% SA |
72% SA |
40 % SA |
2. Maturity benefit:
| Policy term |
20 years |
16 years |
12 years |
| Maturity benefit |
130% SA + 100% (RB+TB) |
110% SA + 100% (RB+TB) |
90% SA + 100% (RB+TB) |
Note: The RB and TB depend on the performance of the Policyholders’ fund - contributed from the premium - during policy term.
3. Protection benefit:
Non-stop protection against unforeseen risks of death /TPD with 100% SA + declared RB + TB (if any)
4. Comprehensive protection with riders attachment
With Pru - Cash Back, you can increase your protection for you and your family against unforeseen mishaps like accidental death & disability, critical illnesses, hospitalization by attaching the following riders:
Notes: Please refer to the policy Terms & Conditions of these riders for more details.
5. Enjoy preferential premium with large SA:
Customers can enjoy the preferential premium rate when purchasing Pru - Cash Back with large SA as follows:
| SA (VND) |
60 mil < 120 mil |
120 mil < 180 mil |
Over 180 mil |
| Discount rate |
0.3% |
0.45% |
0.6% |
Boundary Conditions
- Entry age: From 0 - 53 years old
- Maximum expired age: 65 years old
- Policy term: 12, 16, 20 years
- Premium term: As of policy term
- Premium rate (yearly): From VND 3 million
It is never too early to plan, please contact us TODAY!
Call Center: 1900 54 54 98
Email: sanpham@prudential.com.vn
Website: www.prudential.com.vn
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