- Cover A - Lump Sum benefit: Payment of Lump Sum amount in case of Death
- Cover B - Spouse Income Benefit: Annual payment of an annuity for a fixed period in case of Death
- Cover C - Schooling benefit(s): Annual payment of schooling annuities in case of Death up to a selected child age
- Cover D - University annuities for your children starting at a specified child age and for a fixed period.
- TPD Rider - In case of Total and Permanent Disablement, covers A, B, C and D are payable
- Passive War Rider - In case of Death or Total and Permanent Disablement due to passive war, the selected covers A, B, C and D are payable
- Accident Rider - Additional amount payable in case of accidental Death and/or Disablement
SPIRAL
A flexible insurance solution that lets you be in control.
Allianz Spiral: Everything you need to know
- Spiral Circle of Life is an all-in-one insurance solution that lets you secure and protect what matters to you the most: Protecting your income, securing your retirement amount as well as the schooling & university tuitions of your children.
- Spiral Circle of Life is a solution personalized based on your actual situation and will evolve through your life journey. Choosing Spiral is choosing a Life Companion.
Life complete is life secured
Spiral – a flexible insurance solution that lets you be in control.
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Advantages
Protection
Flexible protection benefits with various insurance covers and riders.
Retirement & Saving
Multiple investment options with a possibility to choose between various investment options, according to your risk preferences.
Education
Guarantee the continuity of your children’s education through the schooling and university tuition.
Contributions
Flexibility of payments (monthly / quarterly / half-yearly / yearly).
Inflation
Possibility to protect both the insurance and investment benefits against inflation.
Spiral Features
Protection Needs vs. Saving Needs
Protection Needs
Saving Needs
Internal portfolio managed by the Company in a way to maximize the risk/ratio return. The invested amounts will accumulate with profits based on the annual rates of return declared by the Company every year in accordance with the Company’s actuary certificate.
Several local, international and offshore funds via several and diverse financial utilities.*
Various Investment options are available ranging:
Fund allocations can be changed and adjusted any time and as deemed necessary.
* Referring to Allianz SNA Range of Funds
Fund Performance
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|
Spiral Funds |
Category/ Risk Class/ Currency |
Net Asset Value |
Year to Date |
2018 |
Annualized 5 years |
| Amundi Global Bond Fund Aggregate | Fixed Income/ Moderate/ USD | 247.45 | 10.37% | -2.22% | 3.3% |
| Pimco GIS Global Investment Grade Credit Fund | Fixed Income/Moderate/ USD | 18.89 | 10.53% | -1.89% | 4.0% |
| Pimco GIS Diversified Income Fund | Fixed Income/Moderate/USD | 22.7 | 11.99% | -2.50% | 4.7% |
| Vontobel US Equity | Equity/ Dynamic/ USD | 1164.96 | 25.23% | -5.12% | 13.3% |
| T. Rowe Price Blue Chips Growth | Equity/ Dynamic/ USD | 52.98 | 22.38% | -0.73% | 14.9% |
| Allianz Oriental Income | Equity/ Dynamic/ USD | 142.43 | 26.55% | -19.01% | 7.4% |
Frequently Asked Questions
Get more information about Spiral
Contributions & covers can be indexed from 0 to 7% according to your requirements.Contributions & covers can be indexed from 0 to 7% according to your requirements.
In case of death or permanent total disablement of the Assured, Allianz SNA will pay the sum insured and/or the cash value at the time.
Suicide and death sentence during the first two years and war risks unless chosen under the additional benefits.
You may elect one (or a combination) of 2 options:
- A lump sum cash payment.
- A guaranteed 10 years annuity.