Optional Riders

Riders Benefit Available only for Option E & F

 Pays an amount equal to TI Sum Assured on
event of TI
 TI SA is equal to 100% of DAC SA, subject to
Terminal Illness maximum of USD 500,000
(Accelerated)  DAC SA reduces by the TI SA on payment of TI
claim
 TI benefit is available till the age of 85 years or
end of the Policy Term whichever is earlier
 Cover for ATPD will be provided for the
Waiver of Premium Paying Term
Premium due (Maximum = Age 65 years).
Accidental Total
Permanent  On valid claim under this rider, future Premiums
Disability Rider guaranteed under the product shall be waived,
subject to a maximum of USD 1,000,000
 Minimum 10% and maximum 50% of Death All
Cause (DAC) Sum Assured or USD 1,250,000
37 Critical Illness whichever is lower
(Accelerated)
 Available until the age of 85 years or end of the
Policy Term whichever earlier

VISIT US: www.insuranceuae.com

CALL US: 800 – ORIENT (674368) TOLL FREE
EMAIL US: orient.service@alfuttaim.com
Orient Pension Plan
Unit Linked Plan
Name: ……………………………………………………….

Mobile: ……………………………………………………..

Make the SMART choice

This product is offered by Orient Insurance PJSC and is subject to approval by Orient
underwriting team. The Brochure is for information purposes only and does not We got you covered
constitute an offer or solicitation to purchase insurance products.

Registered under Federal Law No. (6) of 2007

Certificate No. 14 dated 29th December 1984
Commercial registration 51814

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 What Orient Pension Plans Brings Plan Benefits

We are living in a world of uncertainty. You are never sure about your duration of Plan Benefit Unit Linked Regular Savings | High Protection
stay in the UAE, which raises concerns about future income. Pension becomes an Savings Saving Regular High Protection
Plans Options
important factor at a time when you retire and salary stops, but the mounting A B C D E F
expenses continue. 10 15 20
Minimum Plan Term 15 years
years years years
20 years
Introducing Orient Pension Plan, a one of a kind product that provides the Maximum Plan Term Till the age of 65 Till the age of 85
opportunity to receive dollar income, for a comfortable retirement. Minimum Payment
5 years 10 years 5 years 10 years
Term
Maximum Payment Premium Payment Term is fixed and all additional contribution will be invested as
How the Plan Works Term a Top up.
Minimum Age at Entry 20 years old
55 50 45
Accumulation period is the period till the vesting age. Maximum Age at Entry 50 years
years years years
60 years
API Equal or more than
• End of the accumulation period: customer can take either Lump Sum Maturity or Regular Income API less than USD 36,000, then for USD 20,000 or 1.1
36,000 USD Option 1 is 3X of the times of Annualized
• Minimum Premium Payment are as follows: Minimum Sum Assured
10X Annual Annual Premium & for Premium (Whichever is
Premium Option 2 2X of the Higher)
• Savings = A (Limited) - 5 years , B, C & D (Regular) - 10 Years.
Annual Premium
• High Protection= E (Limited) -5 years & F (Regular) - 10 years. Maximum Sum Assured 20 times of API 40 times of API
Maturity Benefit 100% of fund value
• Customer may choose to pay more than the minimum payment period till the end of
Minimum Payout Term 5 years
the accumulation period.
Maximum Payout Term 20 years
Administrative Charge USD 5 per month
Grace Period 90 days
Payout Period
 Option 1: Inclusive (Sum Assured at the time of Death or Fund
is the period during which customer receives regular payouts in USD. (if Regular Income is opted for)
Value whichever is greater)
• Option to take Life cover during the payout period is available under Regular Pay. (Has to be Death Any Cause
chosen upfront)  Option 2: Exclusive (Sum Assured at the time of Death + Fund
• Death Benefit during the payout period will be higher of: Value on Maturity)
(i) Sum Assured (subject to maximum of USD 200,000 up to maximum age of 85 years). Scope of Coverage  Worldwide
or
Maximum Period for
(ii) Vesting fund value less all payouts already made plus applicable interest.  24 months from the first unpaid Premium due date
Policy Reinstatement
Waiting Period  90 Calendar days (Applicable for Critical Illness only)
 Free Partial Withdrawals
Premiums Partial Withdrawal  As long as you retain at least 2 times the Annual Premium within
the fund, you can make partial withdrawals at any time.
Free look period  30 days

Monthly Quarterly Half Yearly Yearly Adhoc Surrender Charges  NIL

USD 100 USD 400 USD 600 USD 1,200 USD 500 Fund Switches  Free up to 5 switches per year

* Terms & Conditions apply

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