Prudential Vietnam launches unit-linked product Pru-Dau tu vung tien

The product is billed as the first in Vietnam's life-insurance market to include an intergenerational wealth-transfer benefit, allowing customers to pass a policy's accumulated value to the next generation.

Growing necessity for Vietnamese families

Vietnam's middle class has expanded rapidly and is projected to exceed 50% of the population by 2035, according to the World Bank. As incomes rise, financial priorities are shifting from daily needs to long-term wealth preservation and growth, including children's education and retirement security.

A PRUlink funds performance report up until August 2025. Photo courtesy of Prudential Vietnam

Vietnam's investment landscape also remains supportive, with continued capital inflows into the stock market and long-term prospects in sectors such as banking, consumer, and technology. Middle-income and affluent investors are increasingly seeking solutions that blend asset-growth potential with long-term security.

"Pru-Dau Tu Vung Tien" prioritizes comprehensive protection while integrating long-term investment opportunities, helping customers protect the present and prepare for the future.

Kevin Kwon, Chief Executive Officer of Prudential Vietnam, said the product marks an early step in realizing the company's new mission. "We provide peace of mind to every Vietnamese family," he said. "With this new product, 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."

‘Pru-Dau Tu Vung Tien' as an optimal financial solution

As a flagship 2025 launch, "Pru-Dau Tu Vung Tien" is designed to meet updated regulations and evolving customer needs, addressing three pillars—investment, protection, and legacy—through four core 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%.

- 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 annualized Target Premium of the first Policy Year, maximizing long-term investment potential.

- Comprehensive protection: Policyholders are covered with benefits up to 110% of the sum assured plus the Policy account value, 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: 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.

Kevin Kwon, Chief Executive Officer of Prudential Vietnam shares at the launching event of the unit-linked product "Pru-Dau Tu Vung Tien". Photo courtesy of Prudential Vietnam

"Pru-Dau Tu Vung Tien" (Pru-Wealth Forward) is designed to provide Vietnamese families with a responsible and trusted investment solution that offers effective wealth accumulation and robust financial protection. Photo courtesy of Prudential Vietnam

With this launch, Prudential underscores its commitment to modern, transparent, customer-centric investment-linked solutions that address the increasingly sophisticated needs of Vietnamese families.