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Bach Loc Toan Gia Vuot Troi

Comprehensive financial plan to live without worries

We all have dreams that we want to achieve: being healthy, owning a house or simply doing what we love. Though our dreams varies, there is one common thing about them: we have to try our best to make them come true. The very emotions and experience we have in the process are what make us treasure our life even more.
Techcombank understands how hard you need to try and is willing to help you on the way to your dreams by offering out new product Bach Loc Toan Gia Vuot Troi, which protects you and your family against misfortunes and provide comprehensive financial plan for you to live without worries, and be ready for the future.
  • Unique selling points

    • Prepare a solid financial foundation.
    • Create a momentum for prosperous future.
    • Be flexible in each stage of life.
  • Benefit summary

    • Prepare for a solid financial foundation
      • Ensure your family’s financial situation with Death Benefit of 400% of Face Amount.
      • With only 12 years of premium payment, you & your family will have the protection until reaching 70 years of age, including Heath Care, Critical illness, Death or Total Permanent Disability Benefits.
      • Increase the Face Amount without medical examination.
    • Create a momentum for prosperous future
      • Benefit from the interest rate of Universal Life fund, which will surely not be lower than the committed rate. The interest rate of Universal Life fund is publicized monthly on the website:
      • Under any market condition, Manulife commits to adopt an interest rate higher or equal to the guaranteed one.
      • Enjoy the periodic Loyalty Bonuses: 3% every 3 years on the average basic account value, starting from the third year of the Policy.
      • Special Loyalty Bonus up to 150% and 400% of Target Premium of the first year of your policy when you reach important milestones (10 years and 20 years of the policy).
    • Be flexible in each stage of life
      • Increase your accumulative value with Top-up premium.
      • Withdraw from the Top-up Account Value without any fee to respond to misfortunes in life.
      • Be transparent in managing the policy with 2 different accounts.
      • Increase the value in your important milestones such as getting married & having baby without appraisal.
  • General information

    • Entry age: 1 month of age - 65 years of age.
    • Policy term: until 99 years of age.
    • Premium paying term: payment for the first 03 years is required. Then, the Policy Holder may choose another Premium paying term which cannot be longer than the Policy term. You are advised to pay the premium in line with the plan to achieve the financial goals.
    • Universal Life fund: a (“Fund”) generated from the Allocated Target Premium and Allocated Top-up Premium and from all of the linked insurance policy issued by the supplier. The objective of the Fund is stable investment yield with high liquidity, with assets being government bonds, municipal bonds, corporate bonds, money market instruments and other investment channels.
    • Coverage: The insurer shall not cover the Benefits if the occurrence of the insurance incident relates to any of the followings:
      • Suicide or having suicide attempts within 2 years from the effective date of the Policy.
      • Actions violating the penal code.
      • Other exclusions (depending on each product)
    • Please refer to the Product’s terms and conditions for details.
The information of the product’s features presented herein are for reference only. All insurance benefits and conditions thereof shall be in accordance with the Insurance terms and conditions approved by the Ministry of Finance. Please refer to the Product’s terms and conditions for details.

This product is underwritten by Manulife (Vietnam) Limited under the approval of the Ministry of Finance and exclusively distributed by Techcombank.