Every parent’s desire is to secure their children’s future.
With the “Education Saving Plan” proposed by
AL-MAWARID Bank s.a.l. and Allianz SNA s.a.l., you can
guarantee your children’s education and ensure them a
bright future, according to your personal preferences.
What will you benefit from?
• A minimum rate of return of no less than 5% until
December 2018
• A minimum rate of return on investment at the date
of issue, for the accumulated amount of 3.5%*
annually guaranteed by Allianz SNA and net of the
taxes due by the company
• An extra return on investment according to the dividends
rate declared every year by Allianz SNA
• The same rate of return on optional additional feedings
• Protection of the sum insured and /or tuition amounts
against inflation with an annual variation rate between
1% and 10%
• A flexible plan that allows you to modify sum insured,
tuition amounts, monthly premium and variation rate at
policy anniversary
• The option to receive the tuition amounts at maturity
as a lump sum or spread over annuities according to
your preference
• Automatic direct debit from your account with no
additional charges to settle the premium payments
What insurance coverage will you get?
In case of Natural or Accidental death (basic cover) or Total
Permanent Disability of the insured (optional additional
cover), Allianz SNA will:
• Continue to pay the due premiums up to the maturity
date in order to insure the university tuitions of the child
• Provide an additional protection aiming to insure the
schooling tuitions of the child (optional)
How does it work?
You can determine your tuition amounts and sum insured
upon subscription starting with a USD 50 monthly premium.
The below table illustrates the process and figures based
on a monthly premium of USD 50 with an annual variation
rate of 3%.
(The table of projections is for illustration purposes only
and actual results could differ from the content of the
table)
*The company reserves the right to increase/decrease this rate once per year at the end of the fiscal year, as many times as it deems necessary during the lifetime of the policy, by written notice and/or through a public announcement. In case of any increase or decrease of the minimum guaranteed rate at the date of issue, it shall only affect allocations generated from future premiums paid after the date of such change. Therefore the above investment amounts might change accordingly.
Ageof
Insured
28 1 13,152 16,247 22,952
2 12,180 14,789 20,510
3 11,244 13,390 18,236
4 10,332 12,033 16,091
6 8,580 9,592 12,370
8 6,924 7,437 9,258
30
33
37
41
44
Age ofchild
Total PaidPremiums
(USD)
University Tuition fees whenchild reaches 18 (USD)
3.5%* minimumannual
guaranteed return on investment
7% annualreturn on
investment
What are the characteristics?
• Age at entry: between 18 and 55 years old
• Period of scheme: minimum 8 years, maximum until
insured is 65 years old
• Minimum premium: USD 50 / Month
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