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Investment Linked Product

What is Investment Linked Product?

Investment Linked Product is a short-term, goal driven, Unit-linked solution that offers you the opportunity to earn superior returns and enjoy life insurance at the same time. The plan enables you to plan and achieve your goals, whether it is saving for a child’.s education, creating a fund to start or expand your business, buy or build your new home or simply to diversify your investment options. 

How does Investment Linked Product?

Investment Linked Product offers superior returns, flexibility, affordability and insurance protection. You can make regular contributions from as low as Kes 200 daily, weekly or monthly. You can also opt for lumpsum contributions from Kes 50,000. There is no upper limit to how much or how often you can contribute. As you contribute, your funds earn competitive returns. Your investment also guarantees you a Free Life Insurance cover of Kes 50,000 With Imarika, you can increase or reduce your contributions at any time giving you the opportunity to control how you get to your final goal. As the fund accumulates, you also have the option of making partial withdrawals. At the end of the selected period, the policy pays the maturity value to the policyholder.

Why should you buy Investment Linked Product?

Superior returns: Investment Linked Product ensures that you earn competitive returns on your investment as the underlying fund is structured and managed to offer competitive returns of 8 - 12% per annum. In case of poor market performance, the product has a minimum guaranteed return of 5% per annum. on maturity.
 
Affordable: Investment Linked Product allows you to contribute a minimum of only Kes 200 you can also choose to do lumpsum contributions from Kes 50,000.
Free Life Insurance: Investment Linked Product provides you with Free Life Insurance cover of Kes 50,000
Optional Partial Withdrawals: As the fund accumulates, you can make partial withdrawals of up to 30% of the Fund value after three years. 
Lock in period of 9 months: Investment Linked Product allows for early access from (partial or in full) from month 9 at no charge.
Minimum term of 3 years: Investment Linked Product is available from a term of 3 to 20 years. You have the choice of how long you’d like your plan to run.
 No withholding tax: Being a unit linked policy; your interest is not subjected to withholding tax. This means that you save 15% tax on the interest. Further, you can also apply for tax relief if the policy is 10 years or more.

Who should buy Investment Linked Product?

Investment Linked Product Plan is suitable for people looking to accumulate money within the short-term to long term. It is targeted at clients who are looking for superior returns for their investments to achieve their goals. Clients with other investment products looking to diversify should also consider Imarika.. 

What are the requirements to register?

  • Kenyan citizen with a valid national ID or passport and KRA pin number
  • Resident with a valid resident’.s certificate.
  • Age between 18 and 60 years
  • Have an email address

Early Exit Fees: Withdrawals before year 3 are subject to the early exit charges as follows.

  • Month 1 to Month 9- 15%,
  • Month 10 and beyond– no charge. Ready to start investing?
  • Buy online on https://buyonline.britam.com
 

Monthly Illustrations

Charge: Management Fees: 0.33% per month

This illustration assumes that you continue to make monthly topups for the selected investment period.

 
Kes

10,000
Kes

30,000
Kes

50,000
Yrs   10.0% 12.0%   10.0% 12.0%   10.0% 12.0%
1 120,000 123,661 124,886 360,000 370,982 374,657 600,000 618,303 624,428
2 240,000 254,345 259,264 720,000 763,035 777,792 1,200,000 1,271,725 1,296,319
3 360,000 392,452 403,857 1,080,000 1,177,356 1,211,570 1,800,000 1,962,260 2,019,283
4 480,000 538,403 559,440 1,440,000 1,615,209 1,678,320 2,400,000 2,692,015 2,797,201
5 600,000 692,644 726,850 1,800,000 2,077,932 2,180,550 3,000,000 3,463,219 3,634,250
6 720,000 855,645 906,985 2,160,000 2,566,936 2,720,955 3,600,000 4,278,226 4,534,925
7 840,000 1,027,905 1,100,812 2,520,000 3,083,714 3,302,437 4,200,000 5,139,523 5,504,062
8 960,000 1,209,948 1,309,373 2,880,000 3,629,844 3,928,120 4,800,000 6,049,740 6,546,866
9 1,080,000 1,402,331 1,533,787 3,240,000 4,206,993 4,601,361 5,400,000 7,011,655 7,668,936
10 1,200,000 1,605,641 1,775,259 3,600,000 4,816,923 5,325,778 6,000,000 8,028,205 8,876,297

Contact Us 

For any enquires or comments contact:

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  Tel No +254 705 100 100