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Vietnam Maritime Commercial Joint Stock Bank

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

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Pru Universal Life Insurance – Maximum Protection

A solution designed to accompany customers in building an optimal financial protection plan, helping you stay confident against unexpected risks while accumulating sustainable financial value for the future.

What makes it special?

Product information

Overview	Pru Universal Life Insurance – Maximum Protection is designed to maximize protection value for every premium paid, providing a comprehensive financial protection plan while supporting sustainable long-term wealth accumulation.
Entry age	30 days – 70 years old
Maximum age at policy maturity	100 years old
Policy term	100 minus entry age
Premium payment term	Equal to the policy term Flexible premium payments are available from the 5th policy year.

Death or Total and Permanent Disability (TPD) Benefit

1. Basic Protection Plan

(a) The higher of the Sum Assured or the Basic Account Value, and

(b) Top-Up Account Value (if any)

2. Enhanced Protection Plan

(a) The Sum Assured plus the Basic Account Value, and

(b) Top-Up Account Value (if any)

Investment Benefit

1. Interest from the Universal Life Fund

The Policy Account Value has the opportunity to grow steadily with interest credited monthly based on the investment return rate announced by Prudential. In all cases, the interest rate will not be lower than the Minimum Guaranteed Interest Rate specified in the product’s Terms and Conditions.
The investment interest rate of the Universal Life Fund is announced quarterly. Customers may refer to the published investment interest rates here.

2. Maturity Benefit

Upon policy maturity, the customer will receive 100% of the Policy Account Value, after deduction of any outstanding liabilities (if any), provided that: The policy remains in force, and the insured is alive on the policy maturity date.

Bonuses to Increase the Policy Account Value

1. Customer Appreciation Bonus

Bonus Value	Bonus Evaluation Period	Bonus Payment Time
150% of the first policy year’s annualized basic premium	First 10 consecutive policy years from the policy effective date	10th policy anniversary
75% of the first policy year’s annualized basic premium	5 policy years from policy year 11 to policy year 15 and every subsequent 5 consecutive policy years	15th policy anniversary and every 5 years thereafter

The Customer Appreciation Bonus will be credited to the Basic Account Value.

2. Policy Maintenance Bonus

Bonus	Paid Account Value	Bonus Payment Time
4% of the average Basic Account Value over the preceding 60 months	Basic Account Value	20th policy anniversary and every 5 years thereafter
4% of the average Top-Up Account Value over the preceding 60 months	Top-Up Account Value	20th policy anniversary and every 5 years thereafter

Flexible Features

Change the Protection Plan
Adjust the Sum Assured
Guaranteed increase in the Sum Assured without medical underwriting at key life milestones
Add or terminate optional riders at any time
Flexible premium payments from the 5th policy year
Make additional premium contributions
Withdraw funds from the Policy Account Value
Top-Up Account Value: Customers may request withdrawals at any time during the policy term; Up to 100% of the Top-Up Account Value may be withdrawn
Basic Account Value: Customers may withdraw funds from the 2nd policy anniversary provided that:
The remaining account value meets Prudential’s minimum requirement.

Policy Year	Year 1	Year 2	Year 3	Year 4	Year 5	From Year 6 onward
Minimum Basic Account Value after withdrawal	Not applicable		The lower of 100% of the first-year basic premium or VND 20 million			VND 5 million

Frequently Asked Questions

Learn More

Am I required to purchase insurance for the property/apartment/vehicle during the loan term?

16/03/2026

Yes. Fire insurance for houses/apartments and insurance for transport vehicles not only secure the loan for the Bank but also protect the customer’s own interests.

How can customers learn about life insurance promotion programs currently available at MSB?

14/03/2026

Promotional programs for Prudential life insurance distributed through the MSB channel are typically publicly posted on the MSB website and the Prudential website. Customers may contact the nearest MSB Branch/Transaction Office or their relationship manager to receive full and detailed consultation.

Is vehicle insurance required during the loan period?

13/03/2026

Yes. Before disbursement, customers are required to purchase comprehensive vehicle insurance (physical damage insurance). The insurance must be maintained continuously throughout the loan period in accordance with the loan agreement.

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Eligible customers	Individual customers residing in Vietnam in accordance with MSB regulations.
Conditions	Customers must have a current account at MSB.

Retail Banking

MSB Digital Bank

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Vietnam Maritime Commercial Joint Stock Bank

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Pru Universal Life Insurance – Maximum Protection

Pru Universal Life Insurance – Maximum Protection

What makes it special?

Multi-layer protection of up to 100% of the Sum Assured

Flexible and diverse benefits

Financial accumulation with guaranteed interest and bonus benefits

Product information

Frequently Asked Questions

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