Investment Linked Insurance Product - Pru-Flexinvest

• The policy term can last until the life assured reaches the age of 99
• The payment term starts and ends with the policy term
• Flexible premium payments from the 6th policy year [@pru-flexi-pay]

Death claims exclusions

• Suicide whether sane or insane, within 2 years of the risk commencement date or the latest reinstatement date, or the effective date of the increased sum assured, whichever is later
• Intentional acts of the life assured, policyholder, and/or the person who receives the benefit
• HIV infection, acquired immune deficiency Syndrome (AIDS) and/or AIDS related diseases, except when the life assured is a medical worker or police officer and acquires HIV or AIDS performing work duty
• The execution of a death sentence

Total and permanent dismemberment claims exclusions

• Such incident occurring prior to policy effective date, or prior to the latest reinstatement date, whichever is later
• Such incident being the result of a suicide attempt or self-inflicted injury of the life assured whether sane or insane
• Intentional acts of the life assured, policyholder, and/or the person who receives the insurance benefits
• Participating in flying aircrafts or any aviation activities, except when life assured is a fare-paying passenger of a scheduled and licensed commercial aircraft

Note: These exclusions are for reference only. Details of the insurance policy regulations are specified in the terms and conditions.

• The cost of insurance is charged monthly from the value of the fund units of the insurance policy, based on the sum assured of the main product and unit deducting riders, if any
• The cost of insurance varies by the sum assured, the policy term and the age, gender, occupation and health condition of the life assured

The administration charge is VND40,000 per month, charged monthly from the value of the fund units of the insurance policy.

You can pay the premiums of your plan with one of these methods:

Your payment term starts and ends with the policy term. From the 6th policy year onwards, you can start making your premium payments flexibly[@pru-flexi-pay].

The free look period lasts for 21 days, starting from the date you sign the hard copy of the application form, life insurance certificate, benefits illustration and summary of product terms and conditions. If you decide to cancel your policy within the free look period, we will return the total amount of initial paid premiums, without interest after deducting the medical examination fees, if any.