Life & Investement Lines - Individual

Covered events include:

• Natural death,
• Accidental death,
• Death due to passive war (optional), and
• Total and permanent disablement due to natural, accidental or war causes (optional)).
• Critical Illness
• Weekly indemnity
• Double indemnity accidental rider

 is a flexible plan that can be tailored to answer different needs. It may be contracted for the following reasons:

• To secure a cash fund to maintain your family's standard of living,
• To cover a personal or business loan,
• To protect a home mortgage,
• To pay for an inheritance tax fund, or
• To secure an income replacement until children are through college and no longer dependant on parental income.

You define:

1. The number of years of coverage
2. The amount of protection to be paid to loved ones in case of death or disability

Depending on your current age the amount you have to pay (premium) will be automatically computed.

• The cash accumulation for the pension by providing attractive returns
• A death benefit with optional riders.

It is a practical solution to protect yourself and your family and to start planning for your retirement as of today and at a reasonable price.

Cash Accumulation Fund:
Starting year 2, L'ÂgeD'Or Retraite policy builds cash value for your future financial needs until you reach retirement age, making it an important asset in your wealth accumulation strategy.
The part of the premium that is allocated to the investment fund is credited annually with interest based on the net return earned by the portfolio during the year. The minimum guaranteed rate of return is 4.5%.

In the case of the occurrence of an event that is covered by an in-force policy, the designated beneficiary(ies) will receive the benefits of the policy.

Covered events include:

• Natural death,
• Accidental death,
• Death due to passive war (optional), and
• Total and permanent disablement due to natural, accidental or war causes (optional).
• Critical Illness
• Weekly indemnity
• Child protection
• Waiver of premium

L'ÂgeD'Or Retraite is a flexible plan that can be tailored to answer different needs. It may be contracted for the following reasons:

• To secure a cash fund to maintain your family's standard of living,
• To cover a personal or business loan,
• To protect a home mortgage,
• To pay for an inheritance tax fund,
• To secure an income replacement until children are through college and no longer dependent upon parental income, or
• To provide a solid component for building retirement security and dignity.

You define:

1. The annual amount you wish to pay
2. The retirement age as plan maturity age
3. The amount of protection to be paid to loved ones in case of death or disability

Depending on your current age the retirement fund cash value will be automatically computed.

• The cash accumulation for university tuition
• An annual amount payable for child schooling in the case of the death of the insured parent.

It is a practical solution for a reasonable price to protect your children’s schooling years and to start planning for their college education as of today.

Cash Accumulation Fund:
L'ÂgeD'Or Éducation policy builds cash value for your child's college fund accumulation strategy.
The part of the premium that is allocated to the investment fund is credited annually with interest based on the net return earned by the portfolio during the year. The minimum guaranteed rate of return is 4.5%.

In the case of the occurrence of an event that is covered by an in force policy, then the designated child will receive the annual allowance until he reaches college age. University tuition payment starts once school payment has ended. Meanwhile premium payment will stop as from the date of death or TPD.

Covered events include:

• Natural death,
• Accidental death, and
• Total and permanent disablement due to natural or accidental causes.
• Child protection
• Waiver of premium

L'ÂgeD'Or Education can be tailored to answer the multiple needs of children. It may be contracted for the following reasons:

• To secure an income replacement until children are through college and no longer dependent upon parental income, or
• To provide a solid component for saving for college education.

You define:

1. The schooling payable annual amount
2. The child starting age and the age for college start
3. The amount payable annually for college tuition
4. The number of years for college education
5. Depending on your current age the premium that you must pay will be automatically computed.