Phat Loc Khoi Nguyen

The most comprehensive protection solution for the breadwinner

"Parents are the fulcrum of children's life"

Each of parent's decision will lead to the bright future for children. The stronger the fulcrum, the more secure children's future. Phat Loc Khoi Nguyen should be selected to protect parents themselves and it is simultaneously the smartest way to guarantee children's future.


1 The most comprehensive protection solution on the market for the breadwinner

An effective financial plan with attractive interest will guarantee the future stability for Children.

If an unlucky event happens to breadwinner, the policy is waived from future premiums and the financial plan for children is guaranteed.  

2. The effectively profitable saving for Children's future

Phat Loc Khoi Nguyen is one the first product on the market paying benefit in case parent suffers from cancer as well as other common risks such as death or total permanent disability.

3. The perfect financial plan to control risk absolutely


1. Parent's age 

From 18 to 60 years old (Maximum expired age 70 years old)

2. Child's age

From 6 months to 12 years old (expired when the child is 22 years old)

3. Policy term

 10 – 22 years

4. Payment term 

4 years shorter than Policy term

5. Premium frequency

Annually/ semi-annually/ quarterly/ monthly



1. Educational savings

  • Periodical receipts corresponding to studying time of a child (equivalent to 30%, 20%, 20%, 20%, 40% Sum Assured) in the future when the child is 18, 19, 20, 21, 22 years old; the amount will ensure university expenditure and financial support for entrepreneurship
  • Or Lump sum receipt of 130% Sum Assured + saving interest (real interest based on VietinAviva's annual performance) at maturity. This will be a valuable financial support for children at the time of entrepreneurship

2. Annual loyalty cash bonus

  • Loyalty bonus with unchanged amount equal to 2% Sum Assured each year (from the 3rd year of policy till the end of Payment term);
  • The loyalty bonus will be accumulated and increase value based on the real interest which VietinAviva performs annually. This bonus will be paid one time at maturity or when Life Assured is dead, totally permanently disabled or suffers from cancer. It will help to boost the meaningful saving for children in the future

3. Coverage for breadwinner

Participating Phat Loc Khoi Nguyen, if any risk occurs to Parent, the family will receive the following financial support:

  • Death/TPD/cancer:  receive 100% Sum Assured + Loyalty bonus
  • If Parent is unfortunately dead, Educational saving will be paid 100%.
  • If Parent suffers from TPD, cancer, the main policy will be waived 100% the remaining premium, Education fund benefit will be paid to the child in the future.

Aviva customizes a comprehensive protection with additional benefits not only for you but also for your family members