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Be covered for your lifetime.

Plans	Premiums	Premium waiver	Potential bonuses?
5 to 20 years	Monthly Quarterly Semi-annually Annually	Yes	Yes

Here's what you get:

• Be paid a potential bonus - when your investment achieves a higher return
• Enjoy flexible premiums - to suit your budget and risk comfort levels
• Should you die or be made permanently disabled - you have an option to waive the premium

More great benefits:

• Choose between 5 to 20 year savings plans
• Your contributions are invested by Alico Gulf in a manner that ensures your returns are preserved against any investment losses
• Get your cash lump sum at the end of your plan

Plus:

• Distribute your plan to your loved ones - if you pass away

Here's an example provided by ALICO Gulf - it's based on a male aged 30.

The above table is provided by the product provider ALICO Gulf and is for illustrative purposes only.

You can apply for the Personal Savings Plan if:

• You're aged between 25 and 55 years old
• You hold a valid UAE residency visa

Can I stop the Plan anytime? If so, what do I get?

If you stop contributions during the Accumulation Phase and your Policy has acquired an Encashment value*, your scheduled payout will be scaled down and the plan will continue without requiring any further contributions.

You may also decide to surrender the policy. In this case, if the plan has acquired a Surrender Value, you would receive it as a lump sum payment which in the few first years could possibly be less than what you have contributed.

How much should I contribute to the Plan?

Your Relationship Manager can tell you the premium that you should contribute to the plan based on the savings goal you are trying to achieve.

Alternatively, you can tell us how much you are comfortable to contribute on a regular basis and based on that we will be able to tell you what your guaranteed returns will be at plan maturity.

What if I die before the Term Completion of the Plan?

In the unfortunate event of your death, the policy will lapse and the Savings Plan will provide your beneficiaries with the Death Benefit provided in the illustration. This benefit will be based on the period you contributed to the plan plus any accrued Excess Interest Bonuses.