Affordable Life Insurance

for Southeast Asia and beyond

Summary

Life Insurance

If you have people who rely on your income or if you have any significant financial liabilities, life insurance can protect your beneficiaries from further financial hardship in the event of your untimely passing.  Tenzing Pacific Services helps you get it right —  from the type of life insurance to the provider to the amount of coverage.

Tenzing Pacific Services
Life Insurance

Key Features

International Partners & Providers

Portability

Sum Insured

Currency Options

Beneficiaries

Add-Ons

Life Insurance

You Should Consider Life Insurance if You ...

Have someone who relies on your income for their wellbeing
Have a mortgage, loan, debt or other liability
Would like to create and pass down wealth to future generations
Are looking for tax efficient inheritance planning
Are a keyperson in a company
Life Insurance

Affordable Premiums

Lock-in your premiums for the entire duration of your term, which is based on your age at entry.  This means your premium will not increase with age, inflation or changes to your health status.  

Life Insurance

Our Providers

Over the years, we’ve built relationships with a variety of international life insurance providers.  By not being tied to a single insurer, our advisors can match our clients to a life insurer that best suits their needs and situation, such as:

  • term-life
  • universal life
  • decreasing term
  • joint-life
  • annual life and more

Related Blogs

Our Consultation Process

As part of a greater holistic consulting methodology, your Tenzing advisor will work with you to determine exactly how much life insurance coverage you need, based on your assets, liabilities, final costs and your family’s ongoing and future needs.  This data-driven approach makes sure you’re neither under- nor over-insured, allowing for peace of mind should the worst happen. 

Leave a legacy with Life Insurance

Ian Comandao

Types of Life Insurance

Term Life Whole Life Universal Life Annual Life

Term life insurance is the most straightforward type of life insurance, where a policyholder takes out a policy for a fixed duration of time, the term.  If the policyholder passes away during the term, then the insurer will pay out the benefit as specified.  Term-life insurance pays out on death from all causes and usually has options to add on disability, critical illness or higher accident cover. 

The duration of the term is up to the policyholder and is one contributing factor into the premium in addition to policyholder's age, smoking status, gender, sum insured value and health, among other factors. 

Term life insurance is different from universal, whole life, or permanent life insurance in that it provides coverage only for a specified amount of time.  Once the term expires, there is no cash back element -- the policy is over. For this reason, term life insurance is very affordable. 

Rather than selecting a specific term, with whole life insurance the policyholder is covered for their whole life.  This will guarantee to pay the benefit out so long as premiums are paid and the claim is valid.  Payments are still made every year, or can be condensed into a 10-year period.  There is no cash back or refund element. Premiums are fixed for the duration of the term, based on your age at entry. 

Universal life insurance is usually used to generate wealth.  With universal life insurance, you put in a lump sum premium upfront and you're covered for 3x that amount.  The minimum initial input is $50,000 USD. 

This is a term life policy, but there is no set term.  You just pay the renewal premium every year, but premiums will increase annually based on with age and inflation. 

Frequently Asked Questions about

Life Insurance

Life insurance is an arrangement between an individual and an insurance company in which the insurer contractually agrees to pay a specified sum to an appointed beneficiary upon the death of the policyholder. When purchasing life insurance, the policyholder typically pays a regular or lump-sum premium to the insurer in exchange for the coverage.

Life insurance is common around the world and is used as a way for family and loved ones to pay off the deceased's debts, fund college or university, and provide other essential living expenses when they are needed the most. Life insurance is a routine element of a family’s financial plan.
Our global coverage provides the best life insurance policy regardless of where one lives, works, or travels. Our benefits are far-reaching and cover death from all causes with additional riders covering critical illnesses and disabilities.

We offer competitive and affordable premiums rates that do not increase by year or with inflation. Our services are meant to benefit individuals and families by easing the burden of making important financial decisions without worrying about payment increases or unforeseen costs and fees.

Tenzing Pacific Services is dedicated to working with you to provide optimal coverage for yourself and your loved ones and will stop at nothing to give you the most comprehensive life insurance policy possible.
Life insurance costs and premiums are based on a number of factors including age, gender, chosen policy, current health, and lifestyle. For example, policyholders who use tobacco will have higher premiums than those who don’t. As a general rule, older individuals will have higher average coverage costs than younger policyholders as life expectancy is factored into the pricing.

Still, the final price will also depend on the type and length of coverage. Whole life insurance will be costlier due to its finite coverage length, often lasting the duration of the policyholder’s life. On the other hand, individuals can save money with term life insurance, as premiums are paid for only a specific amount of time.

We can offer life insurance coverage for as little as $20 USD per month.
Straightforward and low-cost term life insurance, where a specific term is selected from the onset and the benefit is payable if death occurs during the term.  This covers death from all causes: accidents, illness or disease.  

Terms are usually in 5-year increments between 5-35 years.  Payments can made be annually, quarterly or monthly.  If you stop paying the premiums, the policy will void with no refund.  Premiums are fixed for the duration of the term, based on your age at entry.  Rates will not increase with age or inflation.  

There are also add-ons for critical illness, disability or double accident benefit (benefit doubles if death is from accident).
Life insurance in Vietnam provides coverage all across the globe and protects you and your family no matter where you live, work, or study. Individuals can choose from whole, term, universal, or annual life insurance with plans that can be tailored to include a variety of add-ons and extras including critical illnesses, long-term care, disability, income protection, and additional coverage for accidents and unforeseen illnesses.

Life insurance purchased in Vietnam covers death from all causes, including accidents and illnesses. Primary and tertiary beneficiaries can be appointed however the policyholder sees fit, with pricing options and premiums to match any budget.

Still have questions?

For any inquiries relating to our insurances feel free to speak to us during business hours.

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Head office address:

103 Pham Viet Chanh
Binh Thanh District
Ho Chi Minh City, 70000, Vietnam
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Call for a consultation:

+84 028 3821 5367
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Email for information:

Info@ten-pac.com
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Open Hours:

Mon – Fri: 8.30 am – 6 pm, Saturday – Sunday: CLOSED

Johannes Heikkila

Advisor
From Finland
Expat for 1 year
Speak Finnish, English & Spanish

Speciality:
- Health Insurance
- Savings Plans

Robert Cunningham

Advisor
From the UK
Expat for 13 years in Thailand & Vietnam
5 years' insurance & financial services

Speciality:
- Health Insurance
- Life Insurance
- Savings Plans

Romain Camillo

Senior Advisor
11 Years in Insurance & Financial Services
Expat in thailand for 7 years
Joined Tenzing in 2020
Speaks French & English


Speciality:
- Health Insurance
- Life Insurance
- Savings Plans"

Nancy Dao

Advisor
From Vietnam
International Business from UK
Lived in Singapore
Speaks Vietnamese & English

Speciality:
- Personal Health Insurance
- Group Health Insurance

Hunter Deems

Advisor
10 years' experience in insurance and investments
Joined Tenzing in early 2020

Speciality:
- Investments
- Savings Plan
- Health & Life Insurance
Patrik Shore Tenzing Pacific Services

Patrik Shore

Senior Advisor
From Sweden & New Zealand
7 years' insurance experience
Joined Tenzing in 2019
Crim Science
Speaks English and Swedish

Speciality:
- Savings Plans
- Health Insurance
- Life Insurance

Geoffrey Mann

Advisor
From the US
Employee benefits & insurance compliance background
Joined the Tenzing team in 2019
Law degree from the US

Speciality:
- Personal Health

Nhu Nguyen

Senior Advisor
From Vietnam
Joined Tenzing in 2017
Fluent in Vietnamese & English

Speciality:
- Group Health & Life Insurance
- Personal Health"

Ian Comandao

Health Insurance Manager
From Philippines
MBA from Duke University
Expat for 20 years in US, China, Hong Kong & Vietnam Worked at Tenzing since 2018
Fluent in English, Tagalog, Mandarin

Speciality:
- Personal Health Insurance
- Group Health Insurance
- Business Insurance

Craig McAvinue

Director of Wealth Management
From the UK
25 years' expereince in investments & insurance
Expat in Thailand for 5 years
Chartered Accountant by trade
Holistic approach to consulting his clients

Speciality:
- Investments
- Savings Plans
- Health & Life Insurance

Quinn Miller

CEO & Managing Partner
From the US
Joined Tenzing in 2014
Expat for 10 years in Vietnam
Finance & Entrepreneurship Degrees

Speciality:
- Group Health Insurance
- Life Insurance
- Savings Plans"
  • 84 35857 2629
  • 84 35857 2629
  • quinn.miller@ten-pac.com

Quinn Miller

CEO & Managing Partner
From the US
Joined Tenzing in 2014
Expat for 10 years in Vietnam
Finance & Entrepreneurship Degrees

Speciality:
- Group Health Insurance
- Life Insurance
- Savings Plans"