Personal Banking - Insurance - Invest 'n' Assure - Standard Chartered Bank Pakistan

Avail of the salient benefits available with Invest ‘n’ Assure:

Choose different levels of life insurance protection for the same amount of premium
Change your level of life cover as your circumstances change
Get loyalty rewards through Guaranteed Loyalty Bonus
Accelerate the build-up of your funds through Fund Acceleration Premiums
Participate in the returns of the EFU Managed Growth Fund
Benefit from the Plan's high investment allocation
Cover yourself through Whole-of-life Insurance Protection
Access your savings when you need them
Add supplementary benefits to tailor the plan to your needs

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The protection available for the beneficiary is:

Opportunity for Growth:
Your contributions to the Plan will be utilised to purchase units of the EFU Managed Growth Fund. This is a unit linked Fund with a balanced investment strategy. The objective of the Fund is to maximise capital growth by investing in a balanced portfolio spread across a wide range of shares, government and other fixed interest securities and cash. The Fund is managed by investment experts who adjust the mix of the underlying investments in light of economic conditions and investment opportunities.
Guaranteed Loyalty Bonus:
The longer you continue the Plan, the higher the rewards. The Plan offers generous Loyalty Bonus in the form of extra units in your Fund if you continue the Plan without any breaks beyond a period of 10 years. The bonus is allocated to your Plan every 5 years and will increase your underlying accumulated Fund value rapidly.
Access to your Savings:Nobody can predict the future. If your circumstances change and you have a need for cash, you can encash your Plan for the full bid value of units without any surrender penalty after the second annual premium has been paid. Please remember that the value in early years is likely to be low as the Plan is designed for long-term capital gains. Alternatively, if you just want a small proportion of the capital you have built up, the Plan also gives you the facility to make partial withdrawals at any time whilst continuing to make contributions and keeping the Plan in force.

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The following illustration shows the expected cash values for a Plan taken out by a 35 year old Standard Chartered customer with an initial annual Basic contribution of Rs 75,000, Protection Multiple of 20 giving an initial sum assured of Rs 1,500,000, using the Company's standard unit growth rates projection:

8% p.a. Rate of Return*
Policy year	Premium	Death Benefit	Cash Value
5	375,000	1,500,000	317,663
10	750,000	1,500,000	844,218
15	1,125,000	1,605,676	1,605,676
20	1,500,000	2,673,636	2,673,636

10% p.a. Rate of Return*
Policy year	Premium	Death Benefit	Cash Value
5	375,000	1,500,000	334,219
10	750,000	1,500,000	937,120
15	1,125,000	1,890,062	1,890,062
20	1,500,000	3,346,070	3,346,070

12% p.a. Rate of Return*
Policy year	Premium	Death Benefit	Cash Value
5	375,000	1,500,000	351,512
10	750,000	1,500,000	1,040,730
15	1,125,000	2,228,379	2,228,379
20	1,500,000	4,206,960	4,206,960

* The rate of return assumptions mentioned in the above table are before deduction of the Fund Investment Management charges. These charges have been deducted from the rate of return assumptions prior to determining the Illustrative Values in the tables.

Important Notes:

The cash values given in the table are illustrated based on assumptions. The actual values can be higher or lower than the ones illustrated above depending upon the performance of the underlying investments in the EFU Managed Growth Fund.
The above cash values are inclusive of the Loyalty Bonus in years 11 (30 %), 16 (45 %), 21 (60 %).
The death benefit and cash values can be further enhanced by payment of Fund Acceleration Premiums.
A description of how the contract works is given in the policy Provisions and Conditions.