INVESTMENT PLAN

Creating Wealth for your Dreams

Retail Mass Market Broker Distribution

February 2014

F2014 SAVINGS BENEFIT RANGE

INVESTMENT PLAN

R115.00 (R155.00 recommended)

R1 000.00

Smoothed Bonus

10 years

Min. Premium:

Max. Premium (guide):

Investment Portfolio:

Min Term:

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.

Savings

Withdrawal Option - first 5 years

Withdrawal Option - after 5-year interval

Savings term (min. 10yrs)

Maturity lump sum(where no tax is due)Monthly Premiums

Maturity value /death or disablement

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.

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F2014 SAVINGS BENEFIT RANGE

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

Death/Disability Benefit

Withdrawal Option - after 5-year interval

Savings term (min. 5yrs)

Maturity lump sumLump Sum investment

Maturity value

Capital Growth

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F2014 SAVINGS BENEFIT RANGE

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

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F2014 SAVINGS BENEFIT RANGE

Access to the following Family Support Services* from independent service providers:

24 HOUR FAMILY SUPPORT SERVICES

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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THANK YOU

Old Mutual is a Licensed Financial Service Provider