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Refundable Term Plan

Our “Refundable Term Plan” not only provides you a life cover like any other term plan, but it ensures all your premiums are returned once you reach 65 or at the end of the policy period.

What will you benefit from?

  • A guaranteed maturity value at the end of the policy
  • Maturity value can be equal to 100%, 75% or 50% of the total premium paid according to plan chosen by the client
  • In case of Natural or Accidental Death, an immediate lump sum amount (the sum insured) will be paid to the designated beneficiaries
  • Optional additional coverage in case of Total Permanent Disability (Natural or Accidental) a sum insured will be paid to the insured person over five yearly payment
  • Sum insured amount to be chosen depending on maturity guaranteed value
  • Optional additional coverage in case of Total Permanent Disability (Natural or Accidental), we will waive the premium
  • The option to receive the retirement amount at maturity as a lump sum or spread it over 10 annuities according to your preference
  • Easy payment methods through an automatic direct debit from your bank account, through credit card on our website, or through our direct collection facility

How does it work?

You can determine the Sum assured in case of death upon subscription and the policy duration. The below table illustrates the process and figures based on a Sum Assured of USD 50,000.

Age of the InsuredPlan DurationTotal Paid Premiums (USD)Maturity Value
25408,6208,628
30359,7658,628
353011,43011,438
402513,78813,795
452017,06017,064
501521,24021,241

What are the characteristics of the products?

  • Age at entry: between 20 and 65 years old.
  • Period of scheme: 10, 20 or until insured is 65 years old.
  • Minimum Sum Assured: USD 25,000.

Our Savings Insurance Plans

Retirement Saving Plan

Secures your retirement while protecting your family in case of death or disability.

Education Saving Plan

Guarantees your children’s education and protects them in case of death or disability.

Refundable Term Plan

Provides a life cover and ensures premiums paid are returned.


For more info please contact your licensed broker or agent, or call us on our 24/7 hotline 1534 or leave your contact details below and we will call you back:


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