News Releases

ACE Life Launches New Insurance Benefit Package: “20-year Single/ Limited Pay Universal Life”
Jan 18, 2016

Ho Chi Minh City, January 18, 2016 – ACE Life, the global life insurance division of ACE Group, today announced the launch of its new insurance benefit package  -  “20-year Single/ Limited Pay Universal Life”. With short and flexible terms for premium payment, this package includes the 3 following individual products:

  • 20-year Single Pay Universal Life
  • 20-year 3–Pay Universal Life
  • 20-year 5–Pay Universal Life

Aiming to support customers faced with unexpected risks in life, ACE Life continuously innovates and develops its diversified product portfolio, providing customers with comprehensive financial protection solutions for every age and at every stage of their lives.

Being a Universal Life (UL) variant, “20-year Single/ Limited Pay Universal Life” is designed with key benefits for customers. These new products provide customers with 20-year insurance coverage, while offering single-pay or limited-pay options (3–pay or 5–pay options). Along with the main plan, the new products also integrate 3 key supplementary benefits, which have been embedded in previous UL products, those are:

  • Long-scale Accidental Death and Dismemberment (ADD) covers not only accidental death but also injuries caused by accidents. Moreover, an amount of up to 300% of the sum insured of this benefit may be paid, in case of death by accident.
  • Total and Permanent Disability (TPD) with a one-time claim payment.
  • Late-Staged Critical Illness (CI) for which 100% sum insured of this benefit will be paid if the insured is diagnosed with one of 35 CIs (for ages under 18) or 40 CIs (for ages from 18).

Beyond those, the package also incorporates various value-added benefits, namely:

  • No-lapse guarantee (*): policy remains in-force even when Account Value falls negative.
  • No Claim Bonus: upon maturity, customers may receive No Claim Bonus (50% of total Cost of Insurance and Cost of Riders of Main Plan and Supplementary Benefits which have been deducted on monthly basis). This is the first-ever special benefit introduced by ACE Life to the local market. .
  • Maturity Benefit (*): equivalent to Account Value at maturity.

Mr. Lam Hai Tuan, Chairman and Country President of ACE Life in Vietnam, commented: “The 20-year Single/Limited-Pay Universal Life” is a new-year gift from ACE Life to its customers. It not only offers flexible premium charge terms, these products also provide customers with assured financial protection plans in the long run. In addition, the brand-new benefit of providing coverage for customers from the age of 1-month demonstrates the humanistic ideal of life insurance that we would like to emphasize to our customers: your children will be insured by ACE Life from their very first days of life until maturity.”

(*) Information and descriptions of products and services are provided solely for general informational purposes and are not intended to be complete descriptions. Life insurance policies contain exclusions, limitations, and restrictions. For complete details of coverage, including exclusions, limitations and restrictions, the actual policy or certificate should be consulted. If the descriptions of such products conflict with the terms of the insurance policies, then the terms of the insurance policies shall govern.

ABOUT ACE LIFE IN VIETNAM

ACE Life Insurance Company, Ltd (“ACE Life Vietnam”) is part of the ACE Group of Companies, one of the world’s largest multiline property and casualty insurers. 

With operations in 54 countries, ACE provides commercial personal property and casualty insurance, personal-accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. ACE Limited, the parent company of the ACE Group, is listed on the New York Stock Exchange (NYSE: ACE) and is a component of the S&P 500 index. ACE's core operating insurance companies are rated AA for financial strength by Standard & Poor’s, and A+ by A.M. Best. This rating is indicative of ACE’s strong capital base and financial stability; key attributes in the business of risk.

ACE has both general insurance and life insurance operations in Vietnam where it offers a comprehensive array of protection products and risk management solutions to a diverse group of clients. ACE Life Vietnam is a wholly owned subsidiary of ACE INA International Holding Limited (AIIH), a US domiciled company part of the ACE Group. In Vietnam, ACE Life offers a comprehensive array of quality life-insurance products to meet the financial-protection and security needs of a broad range of customers. The company pioneered the introduction of the Universal Life plan to the Vietnamese market in March 2006. Since then, it has developed a full range of Universal Life products. This diverse range of Universal Life products enables individuals and groups up to the age of 80 to select plans to suit their financial means. ACE Life distributes its products mainly through its professional and ever-growing 15,500 strong agency force, as well as through selected banks.