For many individuals on their wealth-building journey, the goal extends beyond merely increasing assets to include sustainable preservation, protection, and transfer. To meet these needs, modern financial solutions must simultaneously address three objectives: asset growth, risk provision, and long-term financial plan protection. This comprehensive approach is why investment-linked insurance products are gaining interest, offering both strategic investment opportunities and a layer of financial protection for individuals and their families.

Sacombank distributes Dai-ichi Life Vietnam's An Tam Dau Tu product. Photo: Sacombank

This trend indicates that investing is no longer exclusive to those with substantial capital or extensive experience. Instead, many individuals are starting with appropriate capital levels, prioritizing professionally managed solutions that can be flexibly adjusted at each stage to align with long-term financial goals.

Hoang Quan, 38, an interior store owner in TP HCM, shared his experience. After years of consistent savings and exploring various investment channels, Quan realized he needed more than just asset growth opportunities; he required a plan that fit his available time and long-term objectives.

"For the money allocated to future goals, I want a solution that helps my assets grow without requiring excessive time to research the market", Quan stated. "More importantly, that plan also needs to provide peace of mind for my family".

To address customers' long-term financial planning needs, Sacombank is distributing Dai-ichi Life Vietnam's An Tam Dau Tu life insurance product. This product combines financial protection and investment within a single contract, allowing participants to actively choose a plan aligned with their specific goals.

With a consistent premium, participants can prioritize increasing their sum assured, balance protection and investment, or focus on accumulation according to their financial plan. In the event of covered insurance incidents, participants receive the sum assured along with the fund value. The product also includes additional payments for accidental death, advance funeral expense support, and protection for an additional family member without extra fees.

Simultaneously, An Tam Dau Tu empowers customers to build investment strategies even without extensive experience, through five investment funds managed by a team of experts. Those prioritizing safety can select bond and deposit-oriented funds, while customers seeking long-term growth can allocate to equity funds or combine multiple funds to suit their objectives. The product also allows customers to flexibly adjust investment ratios, switch funds, or make additional investments up to five times the basic premium annually. Furthermore, participants can enjoy loyalty bonuses and long-term commitment rewards if they maintain their contract as stipulated.

According to a Sacombank representative, this solution enables customers to begin their financial plans with appropriate capital, adjust flexibly through different stages, and maintain a protective layer against life's risks. In Q3/2026, Sacombank will launch a promotional program for Dai-ichi Life Vietnam life insurance contracts distributed through the bank, aiming to enhance customer benefits.

Under this program, customers newly participating in An Tam Dau Tu or An Tam Hanh Phuc products with a first-year premium of 15 million dong or more will receive a cashback of 5% to 20%, depending on the premium amount. Contracts that continue to maintain premium payments in the second year will also receive a 5% cashback, encouraging customers to pursue long-term financial plans. Additionally, with the An Tam Vinh Buoc product, choosing a two-year premium payment method allows customers to receive a cashback offer of up to 30% of the premium, providing immediate benefits from the initial participation phase.

Hoang Dan