Prudential Vietnam Launches a New Unit-Linked Product

Hanoi, 24 September 2025 – Prudential Vietnam Assurance Private Ltd. (“Prudential Vietnam”) officially introduces its new unit-linked product PRU-ĐẦU TƯ VỮNG TIẾN (PRU-WEALTH FORWARD), designed to provide Vietnamese families with a responsible and trusted investment solution that offers effective wealth accumulation and robust financial protection. Especially as of now, this marks the first time in the life insurance sector in Vietnam, a unit-linked insurance product features an intergenerational wealth transfer benefit, allowing customers to pass on the contract’s accumulated value to the next generation.

Peace of mind as a growing necessity for Vietnamese families

Over the past decade, Vietnam’s middle class has grown rapidly and is projected to account for more than 50% of the population by 2035 (World Bank). Alongside rising incomes, their financial priorities are evolving—from meeting daily needs to maintaining quality of life and focusing on long-term wealth preservation and growth. Goals such as securing children’s futures and ensuring financial peace of mind in retirement have become key drivers of their financial decisions.

At the same time, Vietnam’s investment landscape continues to show positive momentum. The stock market remains attractive to capital inflows, with sectors such as banking, consumer, and technology expected to sustain long-term growth. Individual investors, particularly in the middle- and affluent-class segments, are shifting toward financial solutions that combine asset growth potential with long-term security and sustainability.

Against this backdrop, Prudential introduces PRU-ĐẦU TƯ VỮNG TIẾN, a product that  prioritises comprehensive protection benefits while integrating long-term investment opportunities – helping customers feel secure in the present while preparing confidently for the future.

“This new product marks one of the first steps in realising Prudential Vietnam’s new mission: We provide Peace of Mind to every Vietnamese family. With PRU-ĐẦU TƯ VỮNG TIẾN, we aspire to provide our customers not only with protection and reassurance today, but also with a sustainable financial legacy for future generations to inherit and build upon.” said Kevin Kwon, Chief Executive Officer of Prudential Vietnam.

An optimal financial solution combining investment, protection, and legacy

As a flagship product launched in 2025, the new investment-linked product PRU-ĐẦU TƯ VỮNG TIẾN is developed not only in line with the latest insurance regulations but also with a clear focus on addressing evolving customer needs.

The product is designed to meet three core customer needs—investment, protection, and legacy—delivered through four key value propositions:

• Responsible and trusted investment: Depending on their risk appetite, customers can invest through seven PRUlink funds managed by Eastspring Investments Vietnam, one of the largest asset management companies in the market. With deep international expertise, robust risk management, and disciplined investment processes, Eastspring enables customers to confidently grow their long-term wealth. Between 2020 and 2024, despite a period of market volatility, Unit-Linked Funds still achieved cumulative growth ranging from 28.2% to 66.2%(1).
  
• Opportunity to accumulate assets effectively: Customers enjoy attractive dual bonuses starting from the 10th Policy Anniversary Date. The Growth Bonus can reach up to 300% of the annualised Target Premium of the first Policy Year, maximising long-term investment potential(2).
  
• Comprehensive protection: Policyholders are covered with benefits up to 110% of the sum assured plus the Policy account value (3) , with the option to increase the sum assured without medical underwriting at key life milestones—ensuring peace of mind against unexpected risks.
• The privilege of passing on accumulated value (4): Policyholders are entitled to transfer their financial legacy – the full accumulated value into a new policy for their loved ones without reinstating the must-pay period, and without incurring the full initial charges.

With the launch of PRU-ĐẦU TƯ VỮNG TIẾN, Prudential reinforces its commitment as a trusted partner in providing modern, transparent, and customer-centric investment-linked insurance solutions that adapt to the increasingly sophisticated financial needs of Vietnamese families.

1. Performance data calculated based on official figures published on Prudential’s website: https://www.prudential.com.vn/export/sites/prudential-vn/vi/.thu-vien/pdf/thong-tin-quy/hoat-dong-quy-lien-ket-don-vi-thang7-2025.pdf 
2. Conditions for receiving the Growth Bonus and Loyalty Bonus are specified in the Terms and Conditions of the PRU-Đầu Tư Vững Tiến product available at: https://www.prudential.com.vn/vi/san-pham-bao-hiem-nhan-tho/san-pham-bao-hiem-lien-ket-don-vi-pru-dau-tu-vung-tien/
3. Applicable to Death Benefit or Total and Permanent Disability (TPD) Benefit not caused by Early-Stage Thyroid Cancer, the payout is equal to 100% of the Sum Assured. For TPD Benefit due to Early-Stage Thyroid Cancer, Prudential will pay 10% of the Sum Assured, subject to a maximum of VND 100 million.
4. The Policyholder may exercise the right to transfer the accumulated value to a new insurance contract with a new Life Assured, starting from when the current Life Assured reaches the age of 60 or from the 20th Policy Anniversary, whichever occurs later.

Note:

• Customers are advised to read the full Terms and Conditions of the unit-linked insurance product PRU- Đầu Tư Vững Tiến to fully understand the product, applicable fees, exclusion clauses, and their rights and obligations when participating in the insurance.
• Entering into a unit-linked insurance contract is a long-term commitment. The Policyholder should avoid cancelling the contract in its early stages, as the fees applicable during this period may be significantly high.
• Investment returns from this insurance contract are not guaranteed. The Policyholder will receive the full investment results and bear all investment risks from the selected Fund, corresponding to the amount of premiums invested. Depending on the performance of the chosen Fund, the Policyholder may gain profits or incur losses from their investment. Past performance of the Fund is for reference only and does not serve as a basis for guaranteeing future performance.
• The illustrated interest rates in unit-linked funds are not guaranteed and may increase or decrease depending on actual investment results.  

About Prudential Vietnam

Prudential Vietnam Life Insurance Co., Ltd. (Prudential) is a member of Prudential plc, providing life and health insurance and asset management in 24 markets across Asia and Africa. Prudential’s mission is to be the most trusted partner and protector for this generation and generations to come, by providing simple and accessible financial and health solutions.

As of December 2024, Prudential Vietnam has charter capital of VND 7,698 billion and offers a comprehensive range of life insurance products, serving millions of Vietnamese customers. The company operates a robust distribution and office network of more than 250 offices and customer service centres across the country, along with strategic partnerships with seven bank partners.

With strong commitment to innovation, digital transformation and customer centricity, Prudential Vietnam continues to drive sustainable growth, improve financial literacy through Cha-Ching, and help individuals and families protect their financial well-being.

Media Contact

Ms. Truong Nhat Thy – Public Relations Manager

Prudential Vietnam Life Insurance Co., Ltd.

Email: truong.nhat.thy@prudential.com.vn