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Retirement Saving Plan

With our “Retirement Saving Plan”, you can secure your retirement while protecting your family in case of death or disability.

What will you benefit from?

A minimum rate of return of no less than 4.25% per year on the amount you save for the first 3 years of the contract, revised after 3 years. Life-time guarantee is 3%
A potential return above the minimum guarantee in case the company achieves and declares better dividend rates
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 your retirement amount and sum insured upon subscription starting with USD 50 monthly premium. The below table illustrates the process and figures based on a monthly premium of USD 100.

			Retirement Amount at Age 65 (USD)
Age at inception	Total Paid Premiums at 65 (USD)	Sum insured throughout the years (USD)	Minimum Annual guaranteed return on investment	7% annual return on investment
25	48,000	41,174	80,935	207,666
30	42,000	33,183	65,233	144,625
35	36,000	26,162	51,440	99,002
40	30,000	20,031	39,364	66,081
45	24,000	14,711	28,872	42,495
25	18,000	10,090	19,785	25,641