Vietnam Maritime Commercial Joint Stock Bank

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

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Pru-Linked Insurance – Steady Investment Growth

A solution designed for customers seeking a responsible and reliable insurance-cum-investment solution.

What makes it special?

Product information

Overview	Pru-Linked Insurance – Steady Investment Growth is designed for customers seeking a reliable insurance and investment solution. Seven PRUlink investment funds with different risk levels provide flexible options, enabling customers to select an investment strategy that matches their financial goals and risk appetite.
Entry age	30 days to 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 5^th policy year.

Death Benefit	100% of the Sum Assured + Basic Account Value + Top-Up Account Value (if any)
Total and Permanent Disability (TPD) Benefit	1. TPD benefit not caused by early-stage thyroid cancer 100% of the Sum Assured + Basic Account Value + Top-Up Account Value (if any) 2. TPD benefit caused by early-stage thyroid cancer The lower of: (a) 10% of the Sum Assured, or (b) VND 100 million This benefit is payable only once during the policy term.
Investment Benefit	Opportunity to invest and grow assets through seven PRUlink funds managed by Eastspring Investments Ltd.
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.
Bonuses to Increase the Policy Account Value	1. Growth Bonus: Bonuses of up to 300% of the first policy year’s annualized basic premium, payable as follows: 10^th policy anniversary: 150% of the first policy year’s annualized basic premium 15^th policy anniversary: 75% of the first policy year’s annualized basic premium 20^th policy anniversary: 75% of the first policy year’s annualized basic premium 2. Loyalty Bonus: Bonuses calculated as a percentage of total deducted risk charges, payable as follows: 10^th policy anniversary: 50% of total risk charges deducted during the first 10 policy years 15^th policy anniversary: 25% of total risk charges deducted from policy year 11 to year 15 20^thpolicy anniversary: 25% of total risk charges deducted from policy year 16 to year 20
Transfer of Accumulated Value to a New Insurance Policy	The Policyholder may transfer the accumulated policy value to a new insurance policy with a new insured person when: The current insured reaches 60 years of age, or from the 20th policy anniversary, whichever occurs later. Key features of the new policy include: The entire policy account value will be transferred to the new policy No mandatory premium payment period -No initial charges
Flexible Features	Flexibility to adjust the Sum Assured according to protection needs at different life stages Option to increase the Top-Up Account Value, with additional investments of up to five times the annualized basic premium of the current policy year Ability to switch funds (2) and adjust investment allocation among the seven PRUlink funds without fees Flexible premium payment from the 5th policy year Partial withdrawals from the policy account value (3) without fees to meet financial needs Ability to add optional riders for enhanced protection

Frequently Asked Questions

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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 insurance required for collateral during the loan period?

10/03/2026

Depending on the type of collateral. For example, machinery, equipment, or production lines may require insurance. Customers must maintain valid insurance coverage throughout the loan period.