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Suprema – The Capital Growth Bond

supremaSuprema is a unitised, investment-linked, single premium bond, designed to maximise your investment over the term of the plan (maximum policy term is 10 years). This expertly managed composite fund comprises prime commercial properties, fixed deposits and long-term bonds with stable ratings.

With Suprema’s flexible design, you can begin with a modest investment of USD 5,000 over a maximum term of 10 years and make lump sum deposits when it suits you. It’s the smart place to grow your annual wage bonus, place your savings or deposit a lump sum that isn’t performing.

Suprema is open to non-residents so anyone can apply. You can invest as much as you wish and make contributions from anywhere in the world.

You can invest as much as you wish – there is no upper limit to the scope of your investment. Your investment in Suprema is not dependent upon you being resident in the UAE, In fact, you may make additional contributions from anywhere in the world.

Key features and benefits

Flexible enough for pension planning, ideal for school fees’ planning, with strong enough returns for any portfolio.

You can use the investment return from your Suprema to fund a regular premium plan such as Optima

Gives you instant access to your accumulated investment account; choose to surrender the plan fully or make a partial withdrawal.

Built-in protection gives you added security and peace of mind.

Provides life assurance protection to safeguard the future.

If death occurs, your dependents receive the bid value of the units, or your original investment (less any withdrawals), whichever is higher.

Built-in protection -further peace of mind

Alliance understands that we live in a world of uncertainties and risks. That’s why Suprema provides life assurance protection.

This means that in the event of an untimely death, the benefit payable to your dependents will be the bid value of the units or your original investment (less any withdrawals), whichever is the higher.

More useful information

The minimum single contribution to start the Plan is US$ 5,000. You can make additional single contributions from as little as US$ 1,000 at any time. There is no upper limit to the scope of your investment.

There are no age limits.

100% of your contributions will be allocated units in the Alliance Property and Managed Fund at the offer price. Units will be allocated at the price ruling at the next valuation date following the date when the premium is received at the Company’s Head Office.

You buy units at the “offer price’ on the date your Suprema Bond starts. The “bid” price is the price at which your units are encashed. The difference between these two prices is called the “bid” and “offer” spread, which is currently 5%. There is also a rounding up charge of up to 1 US cent.

For the expertise and the active investment management of the Fund, Alliance makes a monthly charge of 0.125% of the value of the Fund. This charge is made directly to the Fund and therefore does not reduce the units held in your investment account.

You can choose to surrender your plan fully or make a USD 1,000 partial withdrawal at any time. Following a withdrawal, the sum assured will be reduced by the amount withdrawn.

An early surrender penalty applies if you cash-in your Bond, fully or partially, within the first three years.

The first-year surrender charge is 3% of your investment. In the second year it falls to 2% and in the third year it falls further to 1%. After that no penalties are applied. The early surrender penalty does not apply in the event of your death.

Any additional investments you make are subject to a new set of early surrender penalties, which run alongside those of your original investment.

If death occurs your dependents will receive the bid value of the units or your original investment (less any withdrawals), whichever is higher. No charge is made for the cost of life assurance provided in your bond.

Suprema is a unitized, investment-linked plan with units generated from investments in funds comprising prime commercial properties, fixed deposits and long-term bonds with stable ratings.

Our portfolio managers, who look after Alliance Property and Managed Fund, invest in a variety of assets, giving our investors real growth and security. As unit prices fluctuate with market forces the percentage of each type of investment held by the fund varies with changes in investment conditions.

Contact our support team on 04 605 1111 or email care@alliance-uae.com for details.

As the name suggests, Whole Life products provide lifelong coverage that guarantees a significant sum in the event of death, with an option to receive cash payments before the plan matures.

  • You pay the same guaranteed premium throughout the life of the policy, regardless of age or health.
  • Flexible payments with monthly, quarterly, semi-annual or annual contributions.
  • Additional protection with the option to choose additional riders.
  • Worldwide coverage.
  • Plan available in AED and USD (pay-ins and payouts)

Alliance offers two Whole Life products:

  • Level Premium
  • Limited Payment

LEVEL PREMIUM WHOLE LIFE

Designed with a unique combination of life protection and wealth builder investment features, this plan offers very economical premium rates. If death occurs before 90 years of age, your beneficiary will receive the sum assured plus accrued bonuses. If the plan holder surrenders the policy before maturity, they receive the accumulated cash value.

    • Plan at a glance:
      • Min entry age: 18 years old
      • Max entry age: 65 years old
      • Coverage term: 90 years
      • Premium payment term: Up to policy maturity date
      • Minimum premium: AED 1,000 for monthly mode
    • Product optional benefits:
      • Waiver of premium
      • Triple accidental death benefit

LIMITED PREMIUM WHOLE LIFE

Our Limited Payment plan gives you lifelong cover but with shorter premium payment terms (10, 15, 20, and 25 years or up to age 65 years) to reduce your future financial commitments.

      • Plan at a glance:
        • Min entry age: 18 years old
        • Max entry age: 65 years old
        • Coverage term: 90 years
        • Premium payment term: 10 – 25 years
        • Minimum premium: AED 1,000 for monthly mode
      • Product optional benefits:
        • Waiver of premium
        • Triple accidental death benefit

 Contact our support team on 04 605 1111 or email care@alliance-uae.com for details.