Investment Secure Fund- II

To offer steady returns, the portfolio offers investment in a variety of Government and fixed income securities with minimal exposure in equities.

Investment Multiplier Fund

To offer maximum returns, the portfolio is diversified and balanced with a mix of equity investments, real estate, Government and fixed income securities.

Amaanat (Islamic) Fund

A portfolio which offers investment in Shariah compliant equities, Government and fixed income securities.

EXAMPLE 1

Single Investment

Convenient, hassle free single payment option with the added advantage of life insurance.

Islamic Fund Option

Complete Riba/ interest free investment/ saving opportunity in-line with Islamic principles and beliefskeeping in mind the recent increase in demand of shariah compliant investment vehicles.

Unique Cover Multiple Option

The investor has the option to choose his/ her own life insurance coverage amount through the unique cover multiple feature. Customer has the option to take a maximum coverage of 10 cover multiples of investment amount.

No Front End Load

No bid-offer spread of front end load applicable of investment and no back – end load or redemption charges after 24 months.

No Taxation on Capital Gains

In accordance with Income Tax Ordinance 2001, All investments in Insurance are exempt from capital gain tax.

Tax rebate for businessmen and salaried Individuals

According to the current provisions of Income Tax Ordinance 2001,a salaried individual can avail a tax credit of up to PKR 100,000/- in respect of any life insurance premium paid on a life insurance plan held for a minimum period of 1 year subject to annual taxable income exceeding PKR. 4.55 million. The non-salaried/self employed investor can also avail the tax credit up to 125,000/- where the taxable income for the year exceeds Rs. 1.5 million, provided that the total insurance premium does not exceed 15% of the person’s taxable income for that year. Investors are advised to consult their tax advisor prior to making an investment decision.

Free Look Period

The customer is entitled to full refund in case it he/ she decides to cancel the policy within 14 days of issuance.

Partial Withdrawal

Partial withdrawals can be made by the investor from his/her fund any time after 6 months of the plan term to fulfill any short term needs. Withdrawals are limited to 50% of the net cash surrender value and can be taken up to 4 times a year subject to maintaining a minimum Net cash surrender value of Rs. 10,000.

The Policyholder may make partial withdrawals from his/her fund with applicable surrender penalty in the first 23 months thereafter it can be withdrawn without any penalty Partial withdrawals can be taken up to four times in any Policy Year and are limited to 50% of the Net Cash Surrender Value subject to maintaining a minimum Net Cash Surrender Value of Rs. 10,000.

When a partial withdrawal is made, the amount of partial withdrawal will be deducted from both the Net Cash Surrender Value and the Sum Assured of the Policy.

Redemption Charges

If the investment is redeemed within the first eleven months of issuance a surrender charge of 3% of unit account value is applicable, 2% from twelfth to twenty third month. No back end load/ redemption charges will be charged after completion of two years.

No Holding Period

There is no minimum holding period required. However, it is recommended to invest in the fund for long term.

Redemption Period

Encashment/Redemption can be made within a period of 6 business days.

Diversified Investment Portfolio

A well-diversified investment portfolio with any amount of investment.

Easy to Monitor Investment

Ease of choosing and monitoring one fund instead of multiple investments.

Proper Re-balancing of Investments

Regular re-balancing to maintain the correct risk/return characteristics over time.