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Be covered for your lifetime.

Plan options	Contributions	Family Takaful	Shariah-compliant
5 to 25 years	Monthly or Annually	Included	Yes

Here's what you get:

• Enjoy flexible contributions - to suit your budget and risk comfort levels
• Opt to waive your contribution - if permanent and total disability occur
• Take your retirement savings with you - if you leave the UAE

Plus:

• Distribute your retirement savings to your loved ones - if you pass away
• Change your risk profile later - if you wish
• Family Takaful benefits included

You can apply for the Islamic Retirement Plan if:

• You're aged between 20 and 60 years old
• You already have an HSBC account
• You're a UAE resident when you apply

Like any protection plan, this plan does not cover claims arising from certain events, such as:

• War or warlike operations
• Intentional self injury or suicide
• Criminal or illegal acts

Exclusions have been kept to a minimum. Details of full exclusions will be available on the policy terms & conditions

This is subject to terms and conditions of Islamic Retirement Plan.¹

Are the investments of the savings plan done in recognized in Shariah compliant funds?

All investments are in recognized and approved Shariah compliant funds managed by HSBC Global Asset Management and administered by Salama Islamic Arab Insurance Company.

Can I continue with the plan even if I move out of UAE?

Yes, all the plans of SALAMA can be continued even if the customer is out of UAE.

Can the savings plans provide me with a family takaful benefit along with the savings?

Yes, the savings plan also have an option of taking a family takaful benefit .

What are the ways in which the payment for the plan could be made?

All payments are made to Salama Islamic Arab Insurance Company and the payments can be made by Standing Instructions through the bank, which a staff member can assist you with.

What if I want a specific coverage with the plan, like critical illness benefit? Can I opt for it?

Yes. The savings plan come with some additional benefits which the customer can opt for depending on his needs.

Do I have access to my funds?

You can do a full encashment or a partial withdrawal of the funds. A penalty may apply

Do I have a cash in value at the end of term?

The value of your Plan or any income from it is not guaranteed. It depends on the investment performance and the currency exchange rates of the Investment Funds. Unit values may rise as well as fall and you may not get back the sum you have invested.