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Life Insurance and Financial Planning |
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| At
Citibank, we realize that your future is as important as your
present. |
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Income Builder Plan - Education
Providing your children with the best of the education is every parent’s dream. And every child deserves the best. Today with the cost of quality education rising to unprecedented levels, it’s very important to start a disciplined savings approach to meet this goal.
Income Builder Plan – Education is an excellent savings program which provides you the best solution to meet your child’s anticipated education expenses. It’s a simple plan with the powerful advantage of guaranteed returns1. It lets you plan for the money that you would require for your child’s important milestone in life – Education.
Income Builder Plan – Education; guarantees1 and pays the tuition fees that you plan for. There are no fluctuations to the education fee planned through this program if you maintain the disciplined saving approach.
The premiums begin at as low as $150 per month.
It gives you the following great benefits:
- Guaranteed additions1 and
- Excess Interest bonus2
- Optional riders to protect your plan incase of unfortunate events like death or disability to you.
With premiums as low as $150 per month you can plan for your child’s anticipated education expenses without any fear of volatile financial markets. This plan gives you the peace of mind that your kid’s education financial needs are well planned and safe.
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Income Builder Plan - Retirement
Retirement should not be the helpless phase in life filled with struggle, dependence, and compromise on quality living. Today you have the choice to make your retirement exciting with quality life. It just requires a disciplined savings approach to make sure that you enjoy the retired life.
Income Builder Plan – Retirement is an excellent program, which provides you the best solution to meet your retirement income planning needs. It’s a simple plan with the powerful advantage of guaranteed returns1. It lets you decide how much money you would require for your retirement.
Income Builder Plan – Retirement, guarantees1 the annuity that you want to receive. The premiums begin at as low as $150 per month. There are no fluctuations to your retirement income through this program if you maintain the disciplined saving approach.
It gives you the following great benefits:
- Guaranteed additions1
- Excess interest bonus2
- Optional Riders to protect your plan incase of unfortunate events like disability
With premiums as low as $150 per month you can plan your retirement annuity without any fear of volatile financial markets.
After all, you need the same quality of life that you enjoy when working even when you are retired, and it’s even more interesting when you are sure that this can be guaranteed 1 with IBP – Retirement plan.
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Income Builder Plan - Savings
It’s always to your advantage to have a strong financial plan to meet your objectives. Be it buying a house, your dream car, daughter’s wedding, a holiday or just savings for the rainy days. It just requires a disciplined savings approach to make sure that you meet your objectives in life.
Income Builder Plan – Savings is a guaranteed 1 safe instrument that lets you decide how much money you would require to meet your financial objective after a specified term.
Income Builder Plan – Savings, guarantees 1 the amount that you want to receive on maturity. The premiums begin at as low as $150 per month.
It gives you the following great benefits:
- Guaranteed additions1
- Excess interest bonus2
- Optional Riders to protect your plan incase of unfortunate events like disability
With premiums as low as $150 per month you can plan your savings. There is no fluctuation to your target savings amount through this program if you maintain the disciplined saving approach.
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My Life
My Life is an excellent variable universal insurance plan that is very affordable and flexible. It provides you with the choice of flexible premium scenarios starting from 10 years up to age 95.
You can avail this plan for a premium as low as $100 per month. This provides you with life insurance and also allows you to decide your investment strategy depending on your investment attitude into the options of Global Stock index sub-account or Guaranteed Return account
My Life offers the following great benefits:
- Life Insurance protection up to age 95
- Ability to create savings amount
- Optional riders that protect you against the unfortunate diagnosis of critical illness, Term insurance rider for you and your spouse and waiver of future premiums to the plan in case of disability.
You may plan your insurance protection for the next 20 yrs or till age 80 or till age 95.
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Future Gold.
This is an excellent savings plan that combines the benefits of a lump sum investment and a systematic investment plan.
With investments as low as $200 per month you can choose your investment strategy from a wide range of underlying sub accounts from the renowned fund houses such AIG, Franklin Templeton, Vangaurd etc. You choose your investment as per your investment style and attitude.
Future gold offers you the following great benefits:
- Flexible savings vehicle to meet your varied saving needs
- Facility of partial withdrawals, redirection of future premiums, wide choice of underlying investment sub accounts
- Free accidental death benefit up to 50% of the account value or $ 200,000 (whichever is lower)
- Optional riders to protect you against critical illness, disability, death, accidents etc
Future Gold provides you with the benefits of an excellent unit linked savings plan allowing you to take advantage of the Dollar Cost Averaging which can in turn work the fluctuation in your underlying investment sub accounts to your advantage.
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Lifelong
Lifelong is an offshore flexible whole of life insurance policy offering high levels of protection and a wide range of additional benefits.
It gives you various protection benefits such as
- Life Cover
- Aeroplane Cover
- Waiver of Contribution
- Accidental Dismemberment Benefit
- Hospitalization Benefit
- Accidental Death Benefit
- Family Income Benefit
- Long Term Care Benefit
- Critical Illness Benefit
- Permanent Total Disability
You have the flexibity to add or remove any benefits chosen. Additionally you can increase or decrease the opted benefits
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Investplus
Investplus is a flexible international savings plan capable of accepting contributions in any major convertible currency from anywhere in the world with the aim of providing capital growth."
This regular savings plan offers you various benefits
- Option to add protection benefits such as
Life Cover
Accelerated Critical Illness
Spouse's Income Benefit
Dismemberment Benefit
Hospitalization Benefit
Waiver of Contribution
Permanent Total Disability
- Flexibity to invest your monies in leading mutual funds. This plan also has a specially designed Automatic Investment Strategy
- Flexibity to reduce, increase or stop your premiums after 18 months
- Free Switching among funds
- Additional bonus in case you are investing above 750USD per month
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International Wealth Account
IWA is a single premium, whole of life unit link plan. The unique features of this plan are:
- You can invest into 30 different funds at one time across various markets and industries.
- You have access to the worlds top fund houses such as Fidelity, Invesco, Merrill Lynch, Barings, Gartmore, Templeton, Legg Mason, Schroder, J P Morgan and Zurich.
- This plan gives you the flexibility to switch in and out of not only funds but also fund houses up to 25 times a year without any charge.
- Access to your capital
- Minimum amount that you can invest is USD 60,000.
For a free consultation with one of our Financial Planning Executives, or for more information, please send us an email.
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