The cost of living is on the rise and everyone is looking to invest but we have several challenges for example obtaining initial capital, picking the right investment etc. Our Super Investor Plan provides the perfect platform where you can save regularly and your money is invested wisely by the able pioneer team to give you the best that the market has to offer.

Super Investor Policy is unit linked investment plan ideal for investors who require low to medium risk investment avenues offering liquidity as early as on the third year.

Surrender value
Should the investor/contributor terminate his/her policy before the policy’s 3rd anniversary, there shall be a refund of 95% of the fund value. Upon termination of the policy on or after the 3rd anniversary, 100% of fund value shall be paid.
Upon surrender, the policy becomes void and all other benefits cease.


Why invest in  Super Investor Policy ?

  • The policy allows choice of any term between 10 and 18 years.
  • Benefits and bonuses payable depend on the fund value as at that particular time.
  • This product also provides partial maturity benefits payable for 6 consecutive years before the maturity date.

Maturity Benefits – The policy pays six partial payments and a full maturity benefit as illustrated below.

Partial Maturities Percentage Factor on Sum Assured Payable
Partial – 1 10%
Partial – 2 10%
Partial – 3 15%
Partial – 4 15%
Partial – 5 25%
Partial – 6 25%
Total Benefit 100%

The Maturity benefits are paid inclusive of the accrued reversionary bonuses.

Death benefitsIn the event of death of the life assured:

  • Future premiums are waivered
  • 50% of the sum assured is paid immediately
  • Partial benefits and the full sum assured are paid as initially agreed.

Optional riders

Personal Accident – The full personal accident sum assured will be payable.

Funeral Expense- on the death of the Life assured a funeral expense benefit is payable with 48 hrs. on receipt of death notification.

Permanent Total Disability (PTD) – On PTD:
>  Future premiums are waivered
>  Partial maturities and full maturity are paid as initially agreed.

Other features

Surrender Benefits: A policyholder may surrender their policy at any time from the third year but before the commencement of the it payments
Reversionary bonuses: Simple reversionary bonuses will be declared on the product as advised at the end of each actuarial valuation of the life fund. A policy must have been in force for at least one year in order to accrue the bonuses
Convenient premium payment Options: The premium paying period may vary from 10years to I8years and can be paid monthly, quarterly, semi-annually or annually. The longer the period the higher the return
Tax benefits: The policy holder is entitled to Tax exemption on the premium paid.