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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|
What are the characteristics of the products?
- Age at entry: between 18 and 60 years old
- Period of scheme: minimum 5 years, maximum until insured is 75 years old
- Minimum premium: USD 50 per month