Retirement Planning

You Deserve To Enjoy Your Golden Years

Allianz - retirement_resized

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Program Brief

Retirement is the time to relax and enjoy life. After years of stress and hard work, your golden years are a time to spend with your grandchildren, travel, live comfortably and make up for lost time.

However, your personal savings along with the government pensions will be insufficient due to the increasing day-to-day expenses, thus enjoying your retirement might seem like a hard dream to achieve.

Allianz Program for Retirement is a life assurance program coupled with investment benefits that enables you to invest your savings in a diversified portfolio to maximize your returns, ensuring that when the time comes you will be able to maintain your standard of living.

Make It About You!

By planning ahead and setting aside savings on a regular basis, securing and enjoying your retirement years will not have to be a strain.

Why wait until later when you can start saving for your retirement today?

Advantages

Allianz has developed a truly unique and flexible program that will be there for you every step of the way:

  • Security and protection for your family in case of death, total permanent disability or critical illness
  • Variety of different payment frequencies: monthly, quarterly, semi-annually or annually
  • Providing maturity benefits payment in lump sum or annuities or a mixture of both
  • A high level of flexibility and personal choice in all aspects of your program
  • The option of injecting booster payments to the program at any time, for the purpose of increasing the investment benefits at maturity
  • The ability to change your fund portfolio at any time based on your preferences
  • The option to partially withdraw from your investment account in case of any unforeseen financial need that arises after the completion of first policy year

How It Works

Start Planning Now!

Have you thought...

  • How would you maintain your standard of living after retirement?
  • That monthly household income drops after retirement!
  • How to secure your family's future in case of any misfortune?

Allianz Program for Retirement is a long-term savings and investment plan designed to help you maintain your standard of living post-retirement

  1. After your discussion with Allianz financial consultant, you can set the frequency, amount of premiums, and your retirement targets
  2. Through this program, you can invest in a diversified portfolio of funds -as shown below- in order to maximize returns
  3. By the end of the period you will receive the invested amount in which you can choose to receive as a lump sum, annual payments or a combination of both to support you during retirement

The program gives you peace of mind knowing that your beneficiaries will be financially secured. They will receive the sum assured defined for the cover in case of death, disability or critical illness and if it was due to an accident they will receive another additional amount.

Funds

  • Egyptian Pound Funds

  • US Dollar Funds

  • Islamic Fund

Egyptian Pound Funds

  • Fund A

0-25% equities

75-100% fixed securities

  • Fund C

20-50% equities

50-80% fixed securities

  • Fund E

0% equities

100% money market securities

US Dollar Funds

  • Fund B

0-15% equities

85-100% fixed securities

  • Fund D

10-30% equities

70-90% fixed securities

Islamic Fund

  • Fund I

20%-100% equities

0% - 80% liquid or cash instruments

* To refrain from investing in alcohol, tobacco, banking and entertainment stocks.

Covers

Basic Cover

  • Death Cover

Death benefit is payable to beneficiaries if the insured person dies whilst the policy is in force.

Additional Optional Covers

  • Total Permanent Disability

This benefit includes the payment of the death cover in case the insured person suffered from total and permanent disability due to accident and/or illness for a continuous period of six (6) months without being able to perform his/her usual occupation or any other occupation. 

  • Critical Illness

This benefit is payable if the insured person suffers from any of the covered critical illnesses during the existence of the basic death cover and prior to the expiry date of the policy.

  • Accidental Death and/or Disability

This additional sum assured is payable to the insured or the beneficiaries if the insured person suffers a bodily injury as a direct result of a sudden accident; causing directly within a period of twelve (12) months death or permanent disablement.

Additional Benefits

Policy Adjustments

On premium anniversary after the first calendar year (maximum twice a year) 

Booster

An extra premium injected to the policy to increase the investment benefits that can be withdrawn anytime

Premium Variation

Protect your benefits against inflation