ICEALION LIFE ASSURANCE COMPANY LIMITED

ICEALION LIFE ASSURANCE COMPANY LIMITED IN CONJUNCTION WITH THE ial education expertsPRESENT

FIRST CHARTERED SECURITIESMANUFACTURINGFINANCEAGRICULTUREOTHERSICEALION GROUPICEALION LIFEMANSION HARTKENCHICKNIGHT FRANKICEALION ASSET MANAGEMENTICEALION GENERALNIC CAPITALCHLORIDE EXIDEKARIRANA TEA ESTATESMITCHELL COTTSNIC BANKICEALION TANZANIANIC BANK UGANDANIC BANK TANZANIAICEA TRUSTEE SERVICESICEA UGANDA

ABOUT US

We are a member of First Chartered Securities Group, a leading local investment and trading group controlling major business enterprises in such diverse sectors of the economy as finance, insurance, food processing, manufacturing, shipping services and agriculture

Total asset base of Kshs.39.66 Billion, annual turnover in excess of Kshs.9 BillionTotal Asset

Life fund in excess of Kshs23.5 Billion

2009

2010

2011403530252015105Kshs. In Billion

2012

2013

Icealion composite companies

Why An Investment Plan?

Retirement:At one point in life you will not be able to actively participate in nation building due to old age that comes along with health conditions. It would be advisable to take up a saving plan because you have the vision. As the cost of living is going up all the time and the quality going down, You need to keep yourself braced for that.

Because you have the vision .The cost of living is going up all the time and the quality going down. You need to keep yourself braced for that.Savings/Investment :Life assurance is the simplest, most popular and cost effective way to financially protect your family and yourself in the event of your death or disability whichever comes first.

BLFuture Aspirations: Unless you start saving now, the cost in future may be prohibitive and you may be denied the type of lifestyle you have always enjoyed or envisioned. Whatever your individual circumstances, you owe it to you structuring a personal strategy .

BL0Death:Death disrupts adversely the livelihood of our dependants from all walks in life.

Through your life cover they stand to meet their daily and future aspirations in your absence.

Financial products

This will include:Saving /investmentsChildren educationRetirement savingMortgageLoan Personal / family cover

UNIT LINKED INVESTMENT PLAN

A Unit Linked Investment Plan (ULIP) is a life insurance that combines investment and protection.

Your premiums will buy life insurance protection as well as units in a fund of your choice and will allocate your insurance premiums towards protection and investment.

The choice of type of funds or portfolio i.e ICEA Equity Fund, ICEA Money Fund, ICEA Growth Fund and ICEA Bond Fund will be based on your risk appetite. Thus:

They are:

EQUITY FUND: This fund is suitable for investors wishing to have exposure to a portfolio of shares listed on the Stock Exchange.

GROWTH FUND: This fund invests in a mix of listed equities for capital growth and interest bearing assets such as Fixed Deposits, Treasury Bills and Treasury Bonds for income.

MONEY MARKET: This fund invests in interest bearing assets such as Fixed Deposits, Commercial Paper, Treasury Bills and Treasury bonds to provide capital preservation and modest appreciation

Children Education

This plan is specially designed as a savings and protection tool to provide the money your child needs and ensures that money is made available at crucial junctures in a child's schooling years ie nursery, primary, secondary, tertiary, graduate and post-graduate levels .This Education Plan guarantees that in the unfortunate event of the death of a parent or guardian (whether death is caused by accident or illness), the child's education continues unhampered.The parent/guardian may select to receive the amount in cash or retain it to accumulate interest. Extra flexibility is available in the form of three payment options: Lump-sum, 4-annual installments, 8-half-yearly installments and 12-quarterly installments.

Factors you may need to consider in determining the level of coverage:

Place of study. Do you want your Child to Study locally or abroad? University of choice. A top-notch university will cost more. So, what is the current annual fee?Length of study. The longer the duration, the higher the incidental expenses Inflation. How do you account for inflation, since high education costs will be incurred in the future?

ENDOWMENT PLAN

These are wealth creation plans which give one dual benefit of protection along with the potentially higher returns in the form of bonuses.

Benefits are either paid at the end of a specific period(on maturity or on surrender)or if you suffer total permanent disability or upon your demise

Each year, the Company allocates a bonus which is paid on maturity of the policy. Bonuses vary and depend on the profits of the portfolio, but are paid on the full face amount of the policy.

ANNUAL/REVERSIONARY BONUSES.

These bonuses are declared annually as cash values computed as percentages of the basic sum assured. Once granted, these bonuses are guaranteed and cannot be withdrawn.

.ACCRUED/TERMINAL/FINAL BONUSESIts an additional bonus granted at the end of the life of a policy, which should encourage the policyholder to keep the policy in force until the maturity date. The size of the terminal bonus is dependent upon the investment conditions prevailing at the time of maturity, as well as upon investment performance. Since the maturity value grows throughout the life of the policy, it more prudent for the policyholder to wait until the maturity date.

The length of the plan is flexible i.e. can be increase or decreased.The premium contributions are flexible i.e. can be increase or decreased .The returns are Tax Free.The policy holder is entitled to a POLICY LOAN AT A REDUCED INTEREST RATE on the 3rd year of contribution.The policy holder is entitled to an INSURANCE RELIEF OF 15% of total gross premiums at the end of the year from the government.Peace of mind.Not part of your estate (cannot be contested in court).

BENEFITS.

ANTICIPATED ENDOWMENTMost people are aware of the importance of financial planning for future requirements. However, in todays hectic world, all too often, long-term needs are sacrificed for short-term needs and wants.

Choose to invest in Anticipated Endowment Plan, since it bridges that gap by balancing your long-term needs and short-term needs. This plan is of special interest to persons who, besides desiring to provide for their own old age and family, feel the need for lump-sum benefits at periodic intervals.

Unlike ordinary endowment assurance where full sum assured is paid on survival at the end of the endowment period, under this plan:

20% guaranteed payment at the end of one-third of the policy term.

20% guaranteed payment at the end of two-thirds of the policy term.

60% guaranteed payment on maturity of the policy plus Accrued Bonuses.

The Salient Benefits of Anticipated Endowment Plan are:Freedom to choose your own level and regularity of premiums i.e. freedom to choose your premium payment term and to increase additional benefits and contribution levels.Freedom to access your funds at regular intervals - either through the three convenient payment structure above or through a policy loan on the cash value.

Also supplementary riders are there to cover :

Total permanent disabilityWaiver of premiumCritical illness Last expense

You can start now whether big or small and be proud of your effort in style.You are better of with at least some saving than none at all.You will arrive at that through ICEALION customized saving plans as follows:

Retirement saving/Pension

A Personal Retirement Plan is about making the most of ones retirement future by planning now. It is essentially a tax deductible investment vehicle that allows for the tax-free accumulation of a fund for later use as an income on retirement. The money contributed by the contract-holder is invested and the fund accumulates with interest. The amount of retirement income when you retire is dependent upon the following:The amount of regular or single contributions.Performance of the invested funds.The annuity rate the factor used to convert the accumulated retirement fund into an annuity - at the date of retirement.

Personal / Family cover

The Family PA cover takes care of hospitalization and other supplementary benefits when one and/or several family members get sick or are hurt in an accident. Accidental benefits include:

Death Permanent Total Disability Total Temporary Disability Artificial Appliance Hospitalization Dental Treatment Funeral Expenses

REQUIREMENTS.Filled proposal formCopy of I.D.Pin numberStanding order

COST OF DELAY.Sam finds himself in dire trouble. His business has gone bust and he's in serious financial problems. He's so desperate that he decides to ask God for help. "God, please help me. I've lost my store and if I dont get some money, Am going to lose my house too. Please let me win the lottery!" Lottery night! Someone else wins... Sam prays again. "God, please let me win the lottery! I've lost my store, my house and am going to lose ma car as well!" Lottery night again! Still no luck... Sam prays again.

Lord, I've lost my business, my house and my car. My children are starving. I dont often ask for your help and I have always been a good servant. PLEASE just let me win the lottery this one time so I can get back on my feet!

"Suddenly there is a blinding flash as the heavens open and the voice of God Himself thunders:"JOCK AT LEAST MEET ME HALF WAY AND BUY A TICKET!"

THANK YOU FOR TAKING YOUR TIME FROM YOUR BUSY SCHEDULE AND ACCORDING US THE CHANCE TO TAKE YOU THROUGH SOME OF OUR PRODUCTS.

MAKE A WISE DECISSION NOW BECAUSE ITS NEVER TOO LATE OR TOO EARLY ,IT WAS WORTH YOUR TIME AND EFFORT

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For analytical details Contact SHADRACK SANGURAFINANCIAL ADVISOR0720434581/0736500961

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