The new generation of savings and investment plans.

Sometimes (with a savings policy), dreams become reality.

What is your dream? To buy a home? To drive a shiny new car? To travel around the world? To fund your children’s university education? No matter what your dream is, the key is to achieve it – and the way to do that is through disciplined savings. Moreover, the better your savings are professionally managed, the faster you can reach your financial goals.

If you are looking for a savings solution that is professionally managed, one of the leading options available today is a Savings Insurance Policy, also known as an Investment Policy. This represents the new generation of savings and investment products offered by insurance companies.

Interested? Should we continue? Here is how it works:

Flexible Contributions: You can make a one-time lump-sum deposit at any time and/or contribute on a monthly basis via standing order. You can also add additional lump-sum deposits periodically without the need to open a new policy.

Full Liquidity: A savings policy is liquid at any stage, and funds can typically be withdrawn with prior notice of approximately four business days. Partial withdrawals or withdrawals from accumulated gains can also be made. Partial withdrawals or withdrawals from accumulated gains can also be made.

Diversified Investment Tracks: Savings policies are offered across a range of investment tracks to choose from. Each track has a different investment strategy, investment horizon, and risk profile, designed to meet different investor needs. It is also possible to allocate funds across multiple tracks.

Transparent and Fixed Management Fees: Management fees are generally the primary cost associated with savings insurance policies. There are no additional transaction fees such as buy/sell commissions, subscription fees, custody fees, or trustee fees.

Tax Deferral on Investment Gains: Switching between investment tracks does not trigger an immediate capital gains tax event. Capital gains tax is typically deferred until actual withdrawal (realization) of funds.

Lifelong Annuity Option: A unique advantage of a savings insurance policy, as an insurance-based financial product, is the option to convert the accumulated savings into a lifetime annuity. The annuity amount is derived from the rights and benefits accrued under the policy at the time of conversion.

Tax Benefits for Retirees: Retirees may be eligible for tax exemptions on investment gains up to the applicable statutory ceiling for savings policies, subject to filing a tax refund request with the tax authority and providing the relevant tax payment confirmation issued by the insurance company.

Portfolio-Style Investment Management: Absolutely! The funds accumulated in the policy are managed as a professionally managed investment portfolio.