INVESTMENT PLAN
Retail Mass Market
Broker Distribution
February 2014
Creating Wealth for your Dreams
INVESTMENT PLAN
The Investment Plan is designed to provide an affordable vehicle for long-term savings to provide a tax-free
cash lump sum, in the event of the earliest of the policyholder’s death/disability or the attainment of the end
of the selected term.
Min. Premium:
R115.00 (R155.00 recommended)
Max. Premium (guide):
R1 000.00
Investment Portfolio:
Smoothed Bonus
Min Term:
10 years
API:
The Automatic Premium Increase (API) is effective each year on the 1st July (provided
the policy is in force for at least 6 months). The client can switch off the API in any given
year, if the client is unable to pay the increased premium for that particular year. The
premium escalation will automatically revert back for the policy in the following year.
Maturity value /death
or disablement
Withdrawal Option after 5-year interval
Withdrawal Option first 5 years
Monthly Premiums
Savings
Savings term (min. 10yrs)
1
F2014 SAVINGS BENEFIT RANGE
Maturity lump sum
(where no tax is due)
SINGLE PREMIUM INVESTMENT PLAN
The Single Premium Investment Plan is designed to offer lump-sum investors access to an investment vehicle for
long-term capital growth. The plan provides a tax-free cash lump sum, in the event of the earliest of the
policyholder’s death, disablement or the attainment of the end of the selected term.
Minimum Investment:
R2 000
Maximum Premium:
R100 000
Maximum Term:
to age 75
Investment Portfolio:
Smoothed Bonus
Min Term:
5 Years
Withdrawal Option after 5-year interval
Lump Sum investment
Maturity value
Capital Growth
Savings term (min. 5yrs)
Death/Disability Benefit
2
F2014 SAVINGS BENEFIT RANGE
Maturity lump sum
PRODUCT FEATURES AND BENEFITS
Surrenders:
The Plan has a surrender value available immediately
Paid-ups:
The Plan has a paid-up value available
Withdrawals:
One part-withdrawal will be available within the first 5 years of the policy
term, and then at 5-yearly intervals thereafter. The period between any
part-withdrawals must also be at least 5 years
Benefit Payable:
On reaching policy maturity or on the policyholder's earlier death or
disablement
Premium Holiday Benefit: The Premium Holiday allows for up to six premiums to be skipped, during the
term of the policy. This benefit is available again to the client, on payment
of the skipped premiums
Disability:
On disablement of the policyholder prior to the end of the investment term,
the policyholder may either continue with premium payments or the plan
may be made paid-up
3
F2014 SAVINGS BENEFIT RANGE
24 HOUR FAMILY SUPPORT SERVICES
Access to the following Family Support Services* from independent service providers:
Health support*:
Telephone access to health advisers for assistance with health queries
Trauma, assault and HIV treatment*:
Assistance and treatment following assault (e.g. rape, hijacking, child
abuse), accidental exposure to HIV or other kinds of trauma
Emergency medical response*:
Advice, emergency treatment and transportation to an appropriate
medical facility
Legal support*:
Free telephone advice and assistance on legal matters, help with
legal documents
Important note:
*Family Support Services - Certain terms and conditions apply to the facilitation of this access. For a copy of these, call 0860 00 1919.
Old Mutual facilitates access to independent Family Support Service providers. Such access is not offered as a benefit under your insurance policy
and may be varied or cancelled at any time. The service providers provide services directly to you on terms agreed between you and the service
providers. Old Mutual does not accept any liability arising from the services rendered by the service providers.
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F2014 SAVINGS BENEFIT RANGE
THANK YOU
Old Mutual is a Licensed Financial Service Provider