SELLING LIFE INSURANCE TO EXPATS IN VIETNAM: A Comprehensive Guide for 2026

1. EXECUTIVE SUMMARY: Why Expat Life Insurance in Vietnam Matters in 2026

Vietnam's expatriate population is growing rapidly, driven by the country's booming economy (GDP +7.83% in Q1 2026), increasing foreign direct investment, and its emergence as a regional manufacturing, technology, and logistics hub. Yet, despite this influx of international professionals, life insurance penetration in Vietnam remains remarkably low — just 2.3% of GDP, compared to 5.0% in Malaysia and 9.2% in Singapore. This gap represents an enormous opportunity for agents, brokers, and insurers who can effectively serve the expat community.

For expats living and working in Vietnam, the need for life insurance is acute. They often lack the social safety nets available in their home countries, face language barriers when dealing with local providers, and have complex cross-border financial planning needs. The Vietnamese government recognized this opportunity and, starting in 2026, has opened the door for foreign-invested economic organizations and foreign expats to access insurance services — including life and health insurance — provided by foreign insurers across the border.

This guide provides everything you need to know to succeed in this emerging market, from regulatory changes and product strategies to sales techniques and real-world success stories.

2. THE EXPAT LANDSCAPE IN VIETNAM: Who Are Your Prospects?

While exact expat population figures vary, the foreign community in Vietnam is diverse and growing. Key segments include:

Segment	Characteristics	Insurance Needs
Corporate expatriates	Sent by multinationals, often with generous benefits packages	May have employer coverage but need supplemental individual policies
Business owners & entrepreneurs	Self-employed, running SMEs or startups	Comprehensive personal coverage, business succession planning
Retirees	Drawn by low cost of living and healthcare access	Health coverage, long-term care, wealth transfer
Digital nomads	Remote workers with location-independent income	Flexible, portable policies with international coverage
International school teachers	Long-term residents with families	Family protection, children's education savings
Skilled professionals	Engineers, IT specialists, consultants in FDI firms	Career-stage protection, critical illness coverage

The common thread across all segments: expats face unique risks. They are far from family support networks, may have limited access to home-country social security, and often have complex cross-border asset and tax situations. For an insurance agent, understanding these pain points is the key to building trust and closing sales.

3. THE VIETNAMESE LIFE INSURANCE MARKET: By the Numbers

3.1 Market Size & Growth

Vietnam's life insurance market has experienced significant growth over the past decade:

Metric	Value (Most Recent Data)
Insurance penetration (% of GDP)	2.3% (vs. 5.0% Malaysia, 9.2% Singapore)
Total premium revenue (first half 2025)	VND 114.8 trillion (~US$4.42 billion), +4.81% YoY
Annual life insurance premium per capita	~US$30 (vs. global average US$595)
Population with life insurance coverage	~11-12%
Market growth rate (2012-2017 annual)	28.7%
Projected market value	>US$25 billion within 5 years

3.2 The Insurance Gap

Despite impressive growth, Vietnam remains dramatically underinsured relative to its regional peers. The gap is even more pronounced for expats, who are often overlooked by traditional bancassurance channels that focus on Vietnamese-speaking customers. Over 60% of Vietnam's population resides in rural areas with limited insurance access, and 58% of insurers in Vietnam report unfilled positions. This talent shortage creates an opening for English-speaking agents and brokers who can serve the expat community.

3.3 Bancassurance Dominance & Its Risks

Bancassurance — selling insurance through bank branches — accounts for over half of life insurance premiums in Vietnam. However, aggressive sales tactics have led to high policy cancellation rates and allegations of mismanagement. This trust deficit is a significant opportunity for agents who take a consultative, transparent approach with expat clients who may be wary of hard-sell techniques.

4. REGULATORY REVOLUTION: New Opportunities for 2026

The Vietnamese insurance market is undergoing its most significant transformation in a decade. For agents and brokers targeting expats, 2026 is a watershed year – new laws have opened doors that were previously closed, creating unprecedented opportunities.

4.1 Key Legal Changes Taking Effect in 2026

Vietnam has enacted several major regulatory changes that directly impact the ability to sell life insurance to expats.

Law No. 139/2025/QH15 (Effective January 1, 2026)

This amendment to the Law on Insurance Business introduces three critical changes:

Provision	Old Rule	New Rule (2026)
Management qualifications	Strict insurance-specific degree required	Degrees in economics, finance, banking, law, business administration, accounting, or auditing accepted (with one insurance module)
Premium calculation approval	Required prior MOF approval for all products	No prior approval needed for most products
Risk-based capital (RBC) timeline	Phased implementation from 2022	Extended to 2028-2031 for full compliance

Why this matters for expat-focused agents: More providers can enter the market faster, and they have greater flexibility in product design. This means more options to offer your expat clients.

Cross-border Insurance Access (Draft Decree)

According to the draft decree guiding the 2022 Insurance Business Law, foreign-invested economic organizations and foreign expats in Vietnam will soon be permitted to use insurance services – including life and health insurance – provided by foreign insurers across the border.

Practical impact: An American expat could potentially purchase a life insurance policy from a US-based insurer while living in Vietnam, with the policy recognized and enforceable under Vietnamese law. This dramatically expands the product universe available to your clients.

WTO Commitments & Market Opening

The Ministry of Finance is actively studying and granting business licenses to more foreign insurance companies, applying common standards of international insurance associations to improve the industry environment.

Most importantly for foreign investors and agents working with expats: Foreign investors can now own up to 100% of charter capital in insurance and reinsurance enterprises – fully aligned with Vietnam's WTO commitments.

New Administrative Sanctions Framework

Decree No. 78/2026/ND-CP (Effective May 1, 2026) introduces regulations on handling administrative violations in the electronic environment within the insurance business sector.

Why this matters: This provides clearer compliance guidelines for digital sales channels – including online quotes, e-applications, and digital policy delivery. For agents using digital tools to reach expats, the rules of the road are now explicitly defined.

4.2 What These Changes Mean for You (Selling to Expats)

For agents, brokers, and insurers targeting Vietnam's expat community, these regulatory changes create four concrete advantages:

Advantage	Explanation
Larger product pool	Both from local providers (faster product approval) and cross-border foreign insurers
Simplified compliance	Fewer bureaucratic hurdles for premium methodologies and product filings
Greater market stability	Phased RBC implementation gives insurers time to build robust systems – reducing insolvency risk
New competitors = more options	As more foreign insurers enter, you have more products to offer (but also more competition – so differentiation matters)

4.3 The Regulatory Timeline at a Glance

Date	Regulation	Key Change for Expat Insurance Sales
Already in effect	Law No. 08/2022/QH15	Base insurance business framework
January 1, 2026	Law No. 139/2025/QH15	Relaxed management qualifications, faster product approvals
By mid-2026 (expected)	Draft Decree on cross-border insurance	Foreign expats can buy from foreign insurers across border
May 1, 2026	Decree No. 78/2026/ND-CP	Clear rules for digital/electronic insurance sales
2028-2031	Full RBC implementation	Enhanced financial stability of all insurers

4.4 A Note of Caution

While the regulatory environment is becoming more open, it is also becoming more sophisticated. The new framework emphasizes:

• Consumer protection – clearer disclosure requirements

• Solvency – insurers must maintain adequate capital reserves

• Professional standards – agents must meet qualification requirements

For expat-focused agents, this is good news. It raises the bar for competitors and rewards professionalism, transparency, and expertise.

4.5 Bottom Line for Your Sales Pitch

When an expat prospect asks, "Is it safe to buy life insurance in Vietnam?" – you now have a powerful answer:

*"Vietnam has completely overhauled its insurance regulations in 2026. Foreign insurers can now own 100% of their Vietnam operations. Cross-border policies are being recognized. And the government is adopting international solvency standards. This isn't the Wild West anymore – it's a modern, regulated market that takes consumer protection seriously."*

5. MAJOR LIFE INSURANCE PROVIDERS IN VIETNAM (2026)

Understanding the competitive landscape is essential for any agent or broker. Here are the key players in Vietnam's life insurance market:

5.1 Market Leaders by Premium Volume (2023 Data)

Rank	Provider	Gross Written Premiums (VND)	Key Strengths
1	Bao Viet Life	33.5 trillion	State-run, largest market share, trusted by locals
2	Prudential Vietnam	27.1 trillion	Strong bancassurance, innovative products, 9x sustainability recognition
3	Manulife Vietnam	25.8 trillion	Largest investment capital, ~1.5M customers, unit-linked innovations
4	AIA Vietnam	Top-tier	International medical network, wellness programs (AIA Vitality)
5	Chubb Life Vietnam	Growing rapidly	Global powerhouse (Chubb Group), flexible policies, transparent terms
6	Dai-ichi Life Vietnam	Significant presence	Japanese heritage, strong agent network, group life focus

5.2 Detailed Provider Profiles for Expat-Focused Agents

AIA Vietnam is particularly well-suited for expats. The subsidiary of AIA Group — one of Asia-Pacific's largest life insurers — offers comprehensive health and life insurance with access to a global network of hospitals and clinics, making it ideal for expats who travel or plan to repatriate. Products include term life, whole life, critical illness, and hospitalization coverage. The AIA Vitality wellness program rewards healthy lifestyles with premium discounts.

Manulife Vietnam stands out for its digital-first experience and unit-linked products designed for multi-generational wealth creation. With nearly 1.5 million customers and the highest total investment capital in the market, Manulife offers strong international credibility.

Prudential Vietnam has been named among the Top 100 Sustainable Companies in Vietnam for nine consecutive years. Their Pru-Bao ve toi da universal life product offers protection up to 80 times the annualized target premium, with guaranteed interest rates. For agents, Prudential's established bancassurance partnerships provide ready-made distribution channels.

Chubb Life Vietnam brings the backing of the world's largest publicly traded property and casualty insurer. Known for transparent policy terms and flexible life products — term life, whole life, universal life, and education savings plans — Chubb is a strong choice for families and professionals seeking straightforward protection with international credibility.

Bao Viet Life as the state-run market leader has unmatched local trust and the largest distribution network, though English-language support may vary.

Techcom Life (TCLife) — launched in 2025 by Techcombank (80% stake) and Vingroup — represents a new entrant with ambitious growth plans. With charter capital of VND 1.3 trillion (~US$50.7 million), TCLife offers seven life insurance products including whole life, term life, annuities, and investment-linked insurance. For agents, this creates a new partner with deep local resources.

6. LIFE INSURANCE PRODUCTS THAT APPEAL TO EXPATS

Not all life insurance products resonate equally with expats. Here's what sells — and why:

6.1 Term Life Insurance

What it is: Pure protection for a specified period (e.g., 10, 20, 30 years). No savings or investment component.

Why expats buy it:

• Most affordable option — premiums typically VND 300,000 – 1,000,000 per month for a 25-45 year old

• Ideal for covering specific obligations (mortgage, children's education, business loans)

• Simpler to understand and compare across providers

Selling tip: Frame term life as "financial oxygen" for families during the years it's most needed. For young professionals, it's the entry point to building an insurance relationship.

6.2 Whole Life Insurance

What it is: Permanent coverage that lasts a lifetime, with a savings component that builds cash value.

Why expats buy it:

• Provides certainty — coverage cannot be cancelled due to age or health changes

• Cash value can be accessed or borrowed against (important for expats who may need liquidity)

• Estimated premiums: VND 1,000,000 – 3,000,000 per month

Selling tip: Position whole life as "the policy you buy once and never worry about again." For expats who plan to stay in Vietnam long-term or have cross-border families, the permanence is a major selling point.

6.3 Critical Illness Insurance

What it is: Pays a lump sum upon diagnosis of covered illnesses (cancer, heart attack, stroke, etc.).

Why expats buy it:

• Medical costs for serious illnesses can be catastrophic, especially without home-country coverage

• Lump sum payment is unrestricted — can be used for treatment, travel, or living expenses

• Estimated premiums: VND 800,000 – 2,500,000 per month

Selling tip: This is often the easiest sell because the value proposition is visceral. Share statistics about rising cancer rates or heart disease risks. For expats with families, the fear of leaving dependents with medical debt is powerful motivation.

6.4 Universal Life & Investment-Linked Insurance

What it is: Flexible premium payments with an investment component.

Why expats buy it:

• Flexibility to adjust premiums and death benefits as circumstances change

• Investment growth potential (though with market risk)

• Prudential's universal life product offers protection up to 80 times annualized target premium with guaranteed interest rates

Selling tip: Universal life is for more sophisticated clients. Be transparent about fees and market risks. For high-net-worth expats, the estate planning and tax advantages can be compelling.

6.5 Education Savings Plans

What it is: Policies designed specifically to accumulate funds for children's education.

Why expats buy it:

• Many expat parents plan to send children to international schools or overseas universities

• Provides disciplined, goal-oriented savings

• Estimated premiums: VND 800,000 – 2,000,000 per month for parents with school-age children

Selling tip: Appeal to the emotional desire to provide for children's futures. For expat families uncertain about how long they'll remain in Vietnam, emphasize portability and guaranteed payouts regardless of location.

6.6 Group Life Insurance for Expat-Owned Businesses

What it is: Employer-sponsored life insurance for Vietnamese staff and expat employees.

Why foreign employers buy it:

• Deductible expense for Corporate Income Tax (CIT) up to VND 3 million per employee per month

• Powerful retention tool in Vietnam's high-turnover labor market

• Demonstrates commitment to employee welfare, building loyalty

Selling tip: For agents, group life sales can be the "wedge" that opens the door to individual policies for the business owners and key employees. Position it as an employee retention strategy, not just an insurance product.

7. SALES CHANNELS: How to Reach the Expat Community

7.1 Direct Agent Sales (Traditional)

The most common channel in Vietnam remains the agent network. However, for expat prospects, agents need specific capabilities:

Capability	Why It Matters
Fluent English (or other languages)	Trust requires clear communication
Understanding of cross-border tax and legal issues	Expats need advice, not just product pitches
Patience for "million questions"	As one expat client noted: "I had three million questions and she answered all of them"
Responsiveness across channels	Clients want to text, call, and email — and get quick replies

7.2 Bancassurance

Bancassurance accounts for over half of Vietnam's life insurance premiums. For expat sales, focus on:

• International banks with expat divisions (HSBC, Standard Chartered, Citi, Shinhan)

• Vietnamese banks with English-speaking private banking teams

• Digital onboarding — expats expect to complete applications online

Caution: Aggressive bancassurance tactics have damaged trust in the industry. Differentiate yourself with a consultative, low-pressure approach.

7.3 Digital & Insurtech Channels

Digital insurance accounts for less than 1% of total premiums in Vietnam, despite high smartphone usage — a massive growth opportunity. Key developments include:

• Chubb Life & MoMo partnership: Launched Critical Illness Insurance+, a fully digital solution available through the MoMo App

• AIA Vietnam's mobile app: Intuitive policy management, premium payment, and claim tracking

• Decree No. 78/2026/ND-CP: New regulations for handling administrative violations in the electronic environment, effective May 1, 2026, providing clearer guidelines for digital sales

For agents, digital tools are enablers, not replacements. Use them to:

• Provide instant quotes and policy comparisons

• Streamline application and underwriting

• Stay in touch with clients via messaging apps (Zalo, WhatsApp, WeChat)

7.4 Professional Referral Networks

Expats trust other expats. Build referral relationships with:

• Expat-focused law firms (for estate planning referrals)

• International schools (for education savings plan referrals)

• Real estate agents (for mortgage protection referrals)

• Relocation services (for arriving expats needing immediate coverage)

• Expat Facebook groups and online forums (as a resource, not a pitch platform)

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8. OVERCOMING COMMON OBJECTIONS WHEN SELLING TO EXPATS

Based on real feedback from expat clients in Vietnam, here are the most common objections — and how to handle them.

Objection 1: "I already have coverage from my home country."

The response: "That's great. But does your home policy cover you fully while you're living in Vietnam? Many policies have geographic limitations, waiting periods, or reduced benefits for overseas claims. Let's review your existing coverage together — I'm not here to replace it unnecessarily, but to identify gaps you may not know exist."

Objection 2: "I don't understand how insurance works in Vietnam."

The response: "That's completely normal — most expats feel the same way. I've worked with dozens of expats in your situation, and my job is to answer every question you have, no matter how basic. Think of me as your guide, not a salesperson. We'll go through everything step by step."

This is critical. As one satisfied expat client said: "Because it's a private insurance, I don't know how it works. So I had three million questions and she answered all of them. And the contact as well was really cool because I could always text her, call her and send the e-mail."

Objection 3: "The claims process seems complicated."

The response: "I understand the concern. Let me show you real examples of successful claims in Vietnam. For instance, Hanwha Life Vietnam recently paid out nearly US$1 million for a single claim — the largest in the country's life insurance market — and completed all procedures within 28 days. Insurers here take claims seriously because they want to build trust in an emerging market."

Objection 4: "I'm not sure how long I'll stay in Vietnam."

The response: "That's exactly why you need a portable policy — one that continues to protect you even if you leave Vietnam. Many international policies from providers like AIA, Manulife, or Chubb have global portability. Let me show you options that work whether you're here for two years or twenty."

Objection 5: "The premiums seem high compared to what I'd pay back home."

The response: "I hear you. But let's look at what you're getting for that premium — coverage that works in Vietnam, often with lower medical underwriting requirements than home-country policies, and with claims paid in Vietnamese dong (which has been appreciating against many currencies). More importantly, can you afford not to have coverage if something happens?"

Objection 6: "I've heard bad things about insurance sales in Vietnam."

The response: "You're right to be cautious. The bancassurance model has created problems, with aggressive sales tactics leading to policy cancellations. That's not how I work. My approach is consultative — I want you to understand exactly what you're buying, and I will never pressure you into a decision. In fact, I encourage you to take the policy documents home, review them, and ask me any questions before you sign."

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9. REAL SUCCESS STORIES & CASE STUDIES

Nothing sells like proof. Here are real examples from Vietnam's life insurance market that you can share with prospects.

Case Study 1: The Million-Dollar Claim

The situation: A Vietnamese customer purchased two policies — An Khang Tai Loc and Tich Luy Linh Hoat — from Hanwha Life Vietnam starting in 2015. In February 2020, the customer passed away from a critical illness.

The outcome: Hanwha Life Vietnam paid out nearly US$1 million — the largest claim in the country's life insurance market at the time. The company completed all procedures and delivered the payment within 28 days.

What to emphasize to prospects: "This isn't just a marketing story. A real family received nearly a million dollars when they needed it most. The insurer didn't find excuses — they found a way to pay."

Case Study 2: The Supportive Agent

The situation: An expat client (Aneta) came to Tenzing Pacific Services for insurance. She was nervous, had "no clue" how private insurance worked, and had countless questions.

The outcome: The agent answered all of her questions patiently — by text, phone, and email. Aneta later said: "I had three million questions and she answered all of them... everything went smooth. I was very cool... I have a peace of mind."

What to emphasize to prospects: "The right agent makes all the difference. You're not just buying a policy — you're buying a relationship with someone who will be there when you need them."

Case Study 3: International Portability in Action

The situation: A Bao Viet Life Hai Duong customer had an accident while abroad. The family faced not only emotional distress but also the logistical nightmare of managing claims across borders.

The outcome: Bao Viet Life paid insurance benefits to the customer's relatives, demonstrating that Vietnamese life insurance policies can and do pay out for incidents occurring outside Vietnam.

What to emphasize to prospects: "This shows that Vietnamese life insurance isn't 'local-only' coverage. When you buy the right policy, your family is protected no matter where you are in the world."

Case Study 4: Long-Term Success — Hanwha Life Vietnam's Profitability

The situation: Hanwha Life opened its Vietnam unit in 2009. It recorded a loss of VND 35.5 billion in its first year.

The outcome: The unit recorded its first net profit in 2016 (eight years after establishment) and has since maintained steady surplus. It became the first overseas South Korean insurance business to achieve cumulative profit in 15 years of operation.

What to emphasize to prospects: "This isn't a fly-by-night industry. These are serious, long-term players who have invested decades in building their Vietnam operations. They're here to stay."

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10. PRACTICAL TIPS FOR INSURANCE AGENTS & BROKERS

Based on industry research and successful expat-focused agents, here are actionable strategies:

10.1 Build Trust Through Transparency

The insurance industry in Vietnam has a trust problem — largely due to aggressive bancassurance tactics. Differentiate yourself by:

• Explaining the full cost structure — including fees, commissions, and surrender charges — before the prospect asks

• Providing policy documents for review before requiring a signature

• Following up after the sale — not just to cross-sell, but to ensure satisfaction

• Being available — as one satisfied client noted, the agent was available by text, phone, and email, providing "real support"

10.2 Develop Cross-Border Expertise

Expats have complex financial lives. Invest time in understanding:

• Tax treaties between Vietnam and major expat home countries (US, UK, Australia, Japan, South Korea, France, Germany)

• Repatriation of insurance proceeds — how beneficiaries access funds across borders

• Currency considerations — policies denominated in VND vs. USD

• Social insurance integration — how private insurance complements Vietnam's mandatory social insurance system

10.3 Leverage Digital Tools

With Vietnam's high smartphone penetration but low digital insurance adoption (less than 1% of premiums), there's room to innovate:

• Use messaging apps (Zalo is dominant in Vietnam, followed by WhatsApp and WeChat) for client communication

• Provide online policy portals where clients can view documents and make payments

• Offer video consultations for initial discovery calls

• Use CRM software to track client birthdays, policy anniversaries, and follow-up opportunities

10.4 Master the Art of Consultative Selling

Don't lead with product features. Lead with questions:

• "What keeps you up at night about your family's financial future?"

• "If something happened to you tomorrow, who would need financial support, and for how long?"

• "What are your plans for your children's education?"

• "Do you have any debts or obligations that would become a burden to your family?"

Then, and only then, show how specific products address those specific concerns.

10.5 Partner, Don't Just Sell

The most successful expat-focused agents build ecosystems of trust. Partner with:

• Expat tax advisors — they can explain how insurance premiums and payouts are treated in different jurisdictions

• Estate planning lawyers — for high-net-worth clients, integrate insurance with wills and trusts

• Relocation specialists — to reach expats immediately after arrival when insurance needs are top-of-mind

11. RISKS AND CHALLENGES TO ANTICIPATE

No market is without risks. Here's what to watch for when selling life insurance to expats in Vietnam:

11.1 Regulatory Uncertainty

While 2026 has brought positive changes, the cross-border insurance framework is still a draft decree. Implementation details and timelines could shift. Stay connected with industry associations and legal advisors for updates.

11.2 Currency Fluctuation

Most life insurance policies in Vietnam are denominated in VND. For expats who plan to repatriate, a depreciation of the VND against their home currency could reduce the real value of benefits. Some international providers offer USD-denominated policies — prioritize these for clients with cross-border plans.

11.3 Claims Disputes

While Vietnam has seen successful large claims, disputes do occur. The legal system for insurance disputes is still developing. Mitigate by:

• Documenting everything — keep records of all client communications

• Recommending policies with clear, transparent terms (Chubb Life is often cited for this)

• Being the client's advocate during the claims process

11.4 Competition from Digital-Only Providers

As insurtech grows, digital-only players may offer lower prices by eliminating agent commissions. Your value proposition must be advice, relationship, and advocacy — not just product distribution.

11.5 Expat Turnover

Expats come and go. A client who leaves Vietnam may cancel their policy. Build a business model that:

• Acquires new clients continuously (not reliant on renewals from a static base)

• Offers portable products that clients keep even after leaving Vietnam

• Maintains relationships — a client who returns to Vietnam may buy again

12. CONCLUSION: The Opportunity Awaits

Vietnam in 2026 presents a unique convergence of factors that make selling life insurance to expats a genuinely attractive opportunity:

• A growing expat population with increasing purchasing power

• Low insurance penetration (2.3% of GDP vs. 5-9% in regional peers)

• Regulatory opening (cross-border access, 100% foreign ownership, streamlined approvals)

• A trust deficit in traditional bancassurance — creating space for consultative, transparent agents

• Demonstrated demand — expats actively seek protection for themselves and their families

The agents and brokers who succeed will be those who combine professional expertise (understanding of cross-border finance, tax, and insurance) with genuine empathy (answering the "million questions" patiently, being available when clients need support).

As one satisfied expat client said: "Now I have a peace of mind."

That peace of mind is what you're selling. And in Vietnam in 2026, there has never been a better time to offer it.

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📚 SOURCES & REFERENCES

This guide draws on data from: Vietnam General Statistics Office (GSO), Ministry of Finance (MOF) of Vietnam, Insurance Association of Vietnam (IAV), World Bank, Asian Development Bank (ADB), Swiss Re Institute, McKinsey & Company, Prudential Vietnam, AIA Vietnam, Manulife Vietnam, Chubb Life Vietnam, Bao Viet Life, Hanwha Life Vietnam, Tenzing Pacific Services, and regulatory documents including Law No. 08/2022/QH15, Law No. 139/2025/QH15, Decree No. 78/2026/ND-CP, and draft cross-border insurance decree.

Last updated: April 16, 2026

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Disclaimer: This guide is for informational purposes only and does not constitute legal, financial, or investment advice. Regulations, product offerings, and market conditions are subject to change. Insurance agents and brokers should conduct their own due diligence and consult with qualified legal advisors regarding compliance with Vietnamese laws.