PRUDENTIAL VIETNAM LIFE ASSURANCE ILP (PRU-WEALTH ASSURED) PRODUCT BROCHURE
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1 PRUDENTIAL VIETNAM LIFE ASSURANCE ILP (PRU-WEALTH ASSURED) PRODUCT BROCHURE 1 Page
2 Are successful career and strong financial status enough to satisfy you? Does your current prosperous life still concern you? Understand that life keeps changing with full of unpredictable ups and downs, Prudential is proud to introduce Pru-Wealth Assured, an outstanding insurance solution which helps protect your beloved family while bring the chance to grow your assets efficiently. OUTSTANDING FEATURES Ensure your family s prosperous life A great chance to grow your assets A solution for all lifetime goals ENSURE YOUR FAMILY S PROSPEROUS LIFE Pru-Wealth Assured makes up for your financial loss and helps maintain your family s prosperous life should misfortunes happen to the breadwinner (death or total and permanent dismemberment). Sum Assured + Moreover, you can expand coverage against common risks of accidents, critical illnesses, medical or surgical expenses by purchasing riders. A GREAT CHANCE TO GROW YOUR ASSETS Investment Result 1. Diversified Investment Portfolio You are entitled to investment opportunities via 6 funds. You are free to determine your own investment portfolio by investing in one or more funds that best fit your expected return and degree of risk acceptance. 2. Positive Investment History With highly experienced investment specialists and flexible investment strategy, all funds have gained good rate of return during past years, which helps bring customers peace of mind when investing via this solution. 2 Page
3 Risk/Expected Return Actual Rate of Return Growth Balanced Stable Bond Preserved % 30.7% 17.5% 23.1% 25.7% 16.1% 22.0% 21.5% 14.9% 20.6% 17.3% 13.5% 18.4% 11.3% 11.7% 10.2% 5.1% 5.0% (Please refer to General Information section herein to have details of the objective and investment policy of PRULink s) 3. Leading Management Company in : funds are professionally managed by Eastspring Investments Management Co. Ltd, a member of Prudential Asia, belonging to Prudential UK. With more than 10 years in, Eastspring is the leading international fund management company with total asset under management up to VND 40,000 billion (as of 31/12/2014) Eastspring Investments won Triple A - The Best Asset Management Company in 2013 in Southeast Asia and. (Voted by The Asset in June 2013) Advantages of investment through professional investment funds as compared to individual investment: - Access to different investment mediums and opportunities - Diversify investment portfolio without requirement of large investment capital - Gain accurate and timely market information - Professional and full-time management of investment activities A SOLUTION FOR ALL LIFETIME GOALS Pru-Wealth Assured offers you the flexibility of withdrawing money to fulfill financial needs in the future. Oversea education plan for your children Oversea travel Retirement fund 3 Page
4 In addition, Pru-Wealth Assured offers you the maximum flexibility to adapt with changes in various life stages such as flexible premium payments, Additional investment, Adjustment of investment plan, Increase/decrease sum assured PRU-WEALTH ASSURED 1 solution - 2 meanings Assures the current prosperous life for you and your family AND helps you fully achieve future plans If you would like to know more about this insurance solution, please contact any of Prudential s insurance agents or dial for more information. 4 Page
5 1. s GENERAL INFORMATION Title Objective Investment Portfolio Investment Risk/Growth Maximize total income from mid to long-term investment Stocks (At least 80%) Growth Create high growth in mid to long-term Stocks (55% - 85%) Bonds and Bank Deposits (15% - 45%) Medium Balanced Create a balanced portfolio between stable income and capital growth in mid to long-term Stocks (35% - 65%) Bonds and Bank Deposits (35% 65%) Medium Stable Create stable income with potential capital growth in mid to long-term Stocks (15% - 45%) Bonds and Bank Deposits (55% 85%). Medium Thấp Cao Bond Create stable income with potential capital growth in mid to long-term Bonds and Bank Deposits (at least 80%) 5 Page
6 Preserved Create stable income and provide capital preservation Bank Deposits with duration less than 12 months (min 60%) and money market instruments with duration less than 6 months (max 40%) Growth: Risk: very low Prudential reserves the right to defer or postpone selling, buying or pricing s in following circumstances: - Main stock exchanges where funds are listed cease or postpone trading transactions - Other events under the law. Unit Pricing: Each investment fund is divided into units of equal value. Unit pricing is conducted on weekly basis with the pricing date determined by Prudential Unit Price Net Asset Value of Total Number of Units 2. ACTUAL RATE OF RETURN OF PRULINK FUNDS (DURING THE PAST 5 YEARS) Growth Balanced Stable Bond Preserved % 16.1% 14.9% 13.5% 11.7% 5.0% % 25.7% 21.5% 17.3% 11.3% 5.1% % 23.1% 22.0% 20.7% 18.4% 10.2% % -12.2% -6.3% -0.2% 9.1% 13.5% % -5.4% -0.6% 4.1% 10.8% 14% (In 2010 and 2011, the global economic crisis caused adverse impact on stock market and, as a result of that, s investing in equity market had negative growth during this period). 3. ILLUSTRATION OF PREMIUM ALLOCATION TO PURCHASE UNITS OF PRULINK FUNDS Mr. A, 40 years old, purchases Pru-Wealth Assured with Annual Premium of VND 30 million, sum assured of VND 1.2 billion (40 times higher than Annual Premium). Mr A decides to invest 50% into and 50% into Bond. Summary of allocating premium to buy units of funds at issue date: 6 Page Unit: VND
7 Premium (1) 1 st year Allocation charge rate (2) Allocation charge (3) = (1) x (2) Allocated premium (4) = (1) (3) 30 million 40% 12 million 18 million Allocated Rate (%) (5) Bond (6) Allocated Premium into s ($) (7) = (4) x (5) Bond (8) = (4) x (6) (9) Unit Price Bond (10) Number of Purchased Units (11) = (7) / (9) Bond (12) = (8) / (10) 50% 50% 9 mil 9 mil 11,000 16, unit unit 4. PREMIUM Premium: the amount the Policyholder must pay Prudential on regular basis. Top-up: the additional amount the Policyholder pays Prudential during the effective period of the Insurance Policy to purchase additional fund units. 5. FEE AND CHARGES Policy-related charges Cost of Insurance: is deducted on monthly basis from the Value of the Insurance Policy based on Sum Assured of main product and rider(s), if any. Cost of insurance varies by age, gender, occupation and health condition of the Life Assured. Allocation charge: is deducted from Premium and Top-up, if any, before being allocated into s. Premium < VND 12 mil. 55% 40% VND mil. 50% 35% VND 18 mil. 40% 35% Top-up 5% 30% 20% 10% 2% Administration Charge: VND /month, deducted on monthly basis from the Value of the Insurance Policy. Management Fee: is deducted when calculating the Net asset value of each fund as at the pricing date. 7 Page Annual Management Fee Growth Balanced Stable Bond Preserved 2.5% 2% 1.75% 1.5% 1% 1%
8 Transaction Charges Partial Withdrawal Charge: free of charge from policy year 3 to 7. From policy year 8 afterwards, the charge is equal to 1% of withdrawn amount. Surrender Charge: is determined based on % of annual premium of the Insurance Policy as below schedule: Policy Surrender Charge 100% 90% 80% 70% 60% 50% 25% 0% 8 + Switching Fee: free of charge for the first switching time in a policy year. From the second switching time in each policy year, the charge is equal to 1% of switching amount but not exceeding VND 200, Page
9 Notes: Sum Assured is guaranteed to pay out should the Life Assured pass away or suffer from total permanent dismemberment. The Investment Result is the Value of the Insurance Policy. Such value will increase or decrease in accordance with the performance of s. The Policyholder is entitled to all Investment Results and shall be responsible for all investment risks of s. At the end of policy year 10 and at the end of every 5 years afterwards, a Loyalty bonus equal to 1% of average preceding 60 months Value shall be added into the Value provided the Insurance Policy is still in force at the point of Loyalty bonus payment. The premium term is equal to the policy term. However, the Policyholders can flexibly change premium payment schedule from policy year 6 onwards. Reduction of premium or deference of premium payment for a long period can lead to the lapse of Insurance Policy if the Value is insufficient to cover for the Cost of Insurance and Administration charges. Upon the policy maturity (Life Assured reaches age of 80), Prudential shall pay the total Value of the Insurance Policy to the person who receives the benefit. However, the Policyholder has the right to surrender the Policy before maturity and Prudential shall pay Surrender Value to the person who receives the benefit. The Policyholder must comply with Terms and Conditions of the Insurance product to ensure insurance benefits. Buying the Insurance Policy is both a commitment and long-term investment. Therefore, unless it is a force majeure, the Policyholder should not surrender the Policy during initial policy years because of high charges in this period. The past performance of s is for reference only and shall not be understood as a guarantee for future performance. Eastspring Investments is a member of Prudential UK. Eastspring Investments and Prudential is not a joint venture in any forms with Prudential Financial Inc. headquartered in United States. This is the brochure only. For more details, please visit the product s illustration materials and Terms & Conditions. 9 Page
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