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The Good Life 2.0 Insurance

When your life is fulfilled with Life insurance offers, go with it

The Good Life 2.0 Insurance

  • Comprehensive lifetime cover with savings element
  • Flexibility to increase protection for key life events




  • Issue age: 30 days to 65 years old  
  • Expiry age: 100 years old  
  • Policy term: Whole life (until expiry age)  
  • Premium Payment Frequency: Annual, Half Yearly, Quarterly, Monthly

How to apply

Call us

(84 28) 37 247 247 (the South)

(84 24) 62 707 707 (the North)

Operating hours: from 8am to 10pm daily

Fees and charges

  • Target Premium: means the amount which the customer determines according to his/her needs and shall be paid according to the payment frequency chosen.
  • Top-up Premium: means the amount remaining after the annualized Target Premium and all rider premiums due (if any) are fully paid. In every policy year, the total of Top-up Premium shall not exceed 5 times of the annual Target Premium of the first Policy Year.
  • Allocation Charge: means the expense amount that AIA shall deduct from each Target Premium and Top-up Premium payment, before the money is allocated to the Universal Life Fund as follows:
This is a percentage of Protection Premium and Saving Premium as follows:
Policy year
1 2
From 4th onwards
Target Premium 85% 80% 35% 0%
Top-up Premium 0% 0% 0% 0%
This is a percentage of Protection Premium and Saving Premium as follows:
Policy year
Target Premium
1 85%
From 4th onwards 0%
Policy year
Top-up Premium
1 0%
From 4th onwards 0%
  • Cost of Insurance: means the cost that AIA uses to pay insurance benefits under these Policy Terms and Conditions.
  • Policy Administrative Fee: means the fee that AIA uses for Policy maintenance and providing information related to this Policy, currently VND 30,000 per month, maximum VND 60,000 per month
  • Fund Management Fee: maximum is 2% of total asset value of universal life fund. The fund management fee will be deducted from the interest earned, before the interest rate is declared to customers.
  • Partial Withdrawal Charge: None
  • Surrender Charge: None

Premium period

With a flexible development, The Good Life 2.0 helps customers ensure their protection and saving plan through flexible premium allocation mechanism but requires a period of premium time as follows:

  • During the first 4 Policy Years, customers need to pay the periodically Target Premium in full before the end of 60 days from the due date of each premium period to keep the policy inforce.
  • From the 5th Policy Year onwards, customers may pay part or all of the Target Premium periodically but need to maintain the Policy Account Value not less than the monthly deduction to ensure the policy is inforce.
  • Customers can pay Top-up premium if the Target premium and all premium of riders (if any) in current policy year have been paid in full.

Free look period

Customers have the right to cancel the policy within 21 days from the date they receive the policy. The company will reimburse any premiums the Policyholder has paid, without interest, after deducting the costs of the health check (if any).

Frequently Asked Questions

Payment channel

  1. Auto-payment through HSBC account
  2. Personal Internet Banking
  3. Bank transfer or cash deposit into AIA account at HSBC
  4. Online payment via link

For more detail please contact our Contact Centre at

Important Information

The Good Life is underwritten by AIA (Vietnam) Life Insurance Company Limited, 15 Floor, Saigon Centre Tower 2 Building, 67 Le Loi St, Ho Chi Minh City, Vietnam. It is not an obligation of or guaranteed by HSBC Bank (Vietnam) Ltd. The information of this product may be amended by AIA (Vietnam) Life Insurance Company Limited from time to time and HSBC Bank (Vietnam) Ltd. shall not be responsible for such amendments.

This webpage contains only general information and a basic summary of the product. All terms, conditions and benefits of the product will be governed by the Terms and Conditions of the policy. The Policy will only be issued upon acceptance of the Application Form. Any persons interested in this product should consider whether the product is suitable before making a commitment to purchase the policy. Please contact us for further advice.