EDUCATION SAVING PLAN

You can now secureyour children's

education

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

almawarid.com

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