Financial Products

for the Family

Lowenfield & Terry-Ann Alleyne

insurance plan providing a lump sum payment on death

covers up to six family members

one low monthly premium.

Plans, Benefits & Characteristics

PlanIndividual

BenefitMonthly Premium

A J$80,000.00 J$422.40

B J$120,000.00 J$633.60

C J$150,000.00 J$792.00

D J$250,000.00 J$1320.00

E J$400,000.00 J$2112.00

F J$650,000.00 J$3,432.00

Benefits

Provides a source of funds to take care of funeral

expenses in the event of death.

Provides a source of financial security for loved ones or

family members after one’s passing.

Each plan covers up to six family members for one

monthly premium.

Key Features & Characteristics

Members must be the first person covered on this plan.

Covers spouse, parents and children.

Easy enrollment and payment plan.

Benefits will be paid on the submission of death

certificate as proof of the death of the insured.

In the event of the member's death, insurance under this

policy may be continued by any of the adult members

covered by the plan.

No medical required.

Critical Illness

insurance plan designed to provide protection

when you need it most.

Surviving critical illness these days is not

uncommon but it can and will turn your life

upside down. It usually strikes without warning

and can affect you physically, emotionally and

financially. It also affects those closest to you,

spouse, family, a business partner.

earn financial benefits while you are alive to

help maintain your quality of life and

independence after the onset of critical illness.

Receive a lump sum settlement upon the first

diagnosis

Critical Illness -Typical Conditions Covered

Heart Attack

Cancer

Stroke

Major Burns

Paralysis

Loss of Speech

Deafness

Blindness

Coma

Child Education

Registered Education Savings Plan

a savings plan used by parents to help them save for their children's post-secondary education.

save for the first year of their child’s post-secondary/tertiary education and the Foundation will provide US dollar cash scholarships towards the next three years.

The Foundation will return the savings in US dollars to apply towards the first year of university or college and then provide Scholarships in US dollars, derived primarily from interest income, towards the next three years.

Omni Educator - Introduction

A unique long term education savings plan

a vehicle through which parents and family

members can plan and save towards their

children's tertiary education.

Education Grant - an amount equal to 20% of the

policy's Accumulated Value that results from the

eligible premiums.

Omni Educator - Features & Benefits

Benefits payable for local or overseas study

Additional 20% grant

Attractive interest rates

Interest rate on lump sum premium is guaranteed for one year

Monthly compound interest

Tax-free returns *

Life insurance coverage

Structured & convenient investment plan

Sigma Educator Benefits

Tax free investment (if no withdrawals within 5 yrs)

Education Grant

Group Life Coverage

AD&D Coverage

Education Plan Comparison

Retirement Planning

Retirement is one of the most important

stages that we may experience in our lives.

Reaching your retirement goals requires smart

planning and a disciplined approach

Think about the lifestyle you would like to

live when you retire

Retirement Planning - Benefits

Contribute a maximum of 20% of your annual income

The amount contributed is not taxed; hence you pay

less in income tax

You dictate how your money is invested

Coverage for death benefit which will be payable to

your beneficiary