Académique Documents
Professionnel Documents
Culture Documents
Term
Plan/Benefits Initial Sum Assured Premium
Benefit Premium
Secure Mustaqbil 12 12 PKR 1,000,000 PKR 25,000
Total Semi Annual Premium PKR 25,000
Illustrative Values Based on Annual Premium :
Inflation Inflation adjusted 3% Rate of Return Inflation adjusted 4% Rate of Return Inflation adjusted 5% Rate of Return
Adjusted
Premium
Policy Cumulative
for the Year
Year Main Plan
Premium Main Plan Annual Main Plan Annual Main Plan Annual
Surrender Surrender Surrender
Paid Death Benefit Annuity Death Benefit Annuity Death Benefit Annuity
Value Value Value
Benefit Benefit Benefit
12 50,000 491,589 1,000,000 567,453 0 1,000,000 600,522 0 1,000,000 635,793 0
Investment Booster
Policy Year 1 2 3 4 & ONWARDS
(Ad-hoc, if any)
Expenses (*)
MANAGEMENT & ADMINISTRATION EQUIVALENT TO A REDUCTION IN ANNUAL YIELD OF 1.75% AS PER
FILING WITH SECP
MORTALITY, RIDER & OTHER RISK AS PER FILING WITH SECP
FUND SWITCHING IN ANY POLICY YEAR INITIAL TWO SWITCHES FREE, RS. 300 FOR
SUBSEQUENT SWITCHES
BID/OFFER SPREAD 5% OF ALL PREMIUMS, ALLOCATED TO THE UNIT ACCOUNT `
* These expenses are applicable for all unit linked investment funds available under this plan.
Premium Paying Month 1 to 12 13 to 24 25 to 36 37 & Over
Surrender Charges as % Of Cash Value 100% 50% 25% 0%
IN CASE OF SURRENDER, A FLAT RS.350 SURRENDER CHARGE DEDUCTED ALONG WITH OTHER SURRENDER CHARGES APPLICABLE IN
THE FIRST 3 YEARS OF THE TERM. THESE CHARGES ARE A PART OF THE CONTRACT.AN AGE BASED MORTALITY CHARGE APPLIES OF
THE BASIC POLICY LIFE INSURANCE RISK EACH YEAR AND IS DEPENDENT ON THE SUM AT RISK.NO MORTALITY CHARGE APPLIES IN
YEARS WHERE THERE IS NO SUM AT RISK.
ALL CHARGES MENTIONED IN THE ABOVE NOTES ARE REVIEWABLE AT THE DISCRETION OF THE COMPANY.
The “Cumulative Main Plan Premium Paid” and "Premium for the Year", mentioned in the first illustration table above, is net of supplementary rider
premium charges which are deducted from the total main plan premium as mentioned in the “Coverage Details” section
The Total Illustrative Values after including the Top up premiums are as follows :
• The Illustrative values above do not take into account any partial surrenders.
• The rate of return assumptions stated in the tables(s) above are annual effective rates and are before deduction of Management &
Administration Charges. The Management & Administration Charge has been deducted from the Surrender Value prior to determining the
Illustrative values in the tables(s) above.
• The Surrender Values given above are based on assumptions. The actual values can be higher or lower than the one’s illustrated above
depending upon the performance of the underlying investment of the Fund.
• You have an option to invest in any of the following investment funds namely Investment Secure Fund, Amaanat Fund and Investment
Multiplier Fund.
• Surrender values given above are net of all charges.
• Death Benefit is Sum Assured or Cash Value, whichever is higher.
• For Illustration purpose, it is assumed that death occurs at the end of the year.
• Cash Value is the policy Unit Account value at bid price. After three policy years, Surrender Value is equal to Cash Value.
• This is an approved Illustration of the Company. Any other Illustration which contradicts this Illustration should not be given any consideration
and should be reported to the Company.
• Please refer to the Policy Document for detailed Terms & Conditions.
• In case the policyholder (owner) is a non-filer, an advance tax collection @1% of insurance premium, under section 236U of Income Tax
Ordinance, 2001, shall be made by deducting such amount from the aforementioned cash values.
Declarations:
Declaration by Sales Representative:
I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this Illustration. I also confirm that I have not
misled or deceived the prospective client in any way. In case of any misconduct on my part, the Company and I shall be responsible for any loss to
the prospective client. In such circumstances, SECP shall have the authority to take any action in light of the Insurance Ordinance 2000.
Signature : Date :
Name : Code :
Designation :
Signature : Date :
Name :
CNIC # :
Address :
Branch: Lahore Lions Center Branch Central Region User: AGN127 - MUHAMMAD QASIM Prepared on: 14-May- Time : 0:19 PM Page 3 of 3
ADAMJEE LIFE ASSURANCE COMPANY LTD.
Historical Investment Performance
(For Unit Linked Products Only)
Historical Performance:
The historical performance of ADAMJEE LIFE ASSURANCE COMPANY LTD.’s Fund are as follows:
Fund Name INVESTMENT SECURE FUND (SA) Launch Date 09-Jun-2011
Fund debt Risk Profile low to medium
YEAR 2013 2014 2015 2016 2017 2018
Yearly Return 8.94 % 15.70% 12.49 % 6.24 % 2.97 % 4.37 %
Yearly Return Since Inception 10.83 % 13.42 % 14.54 % 13.79 % 12.50% 11.89 %
Average Return since inception(2011) of the fund: 11.89%
Signature : Date :