SPIRAL LIFE

A flexible insurance solution that lets you be in control.
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  • Spiral 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 Life is a solution personalized based on your actual situation and will evolve through your life journey. Choosing Spiral is choosing a Life Companion.
Spiral Life Plan Conditions Spiral Life Fund's Booklet

Life complete is life secured

Spiral – a flexible insurance solution that lets you be in control.
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Flexible protection benefits with various insurance covers and riders. 
Multiple investment options with a possibility to choose between various investment options, according to your risk preferences. 
Guarantee the continuity of your children’s education through the schooling and university tuition.
Flexibility of payments (monthly / quarterly / half-yearly / yearly). 
Possibility to protect both the insurance and investment benefits against inflation. 
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saving
  • 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
saving
  • Cover D - University annuities for your children starting at a specified child age and for a fixed period 
  • Retirement - Payment on maturity, or annuity for a fixed period, or a combination of both
  • Booster - Boost your investment account with additional investment contributions
  • Funds - The choice of investment in several local and international Funds

Various Investment options are available ranging:

  • Diverse Asset Types
  • Geographical Allocations (Lebanon, Asia Pacific, Europe, USA)
  • Currency Allocations (USD)

Fund allocations can be changed and adjusted any time and as deemed necessary.

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Spiral Funds
Category/ Risk Class/ Currency

Net Asset Value

Year to Date

2019

Annualized 5 years

Allianz SNA Accumulation Fund* (Inception in April 2020)
USD 10.48 N/A N/A NA
Amundi Global Bond Fund Aggregate* Fixed Income/ Moderate/ USD 248.78 0.30% 10.63% 2.9%
Pimco GIS Global Investment Grade Credit Fund* Fixed Income/Moderate/ USD 19.30 0.84% 12.00% 4.3%
Pimco GIS Diversified Income Fund* Fixed Income/Moderate/USD 23.34 1.00% 14.01% 5.2%
Vontobel US Equity* Equity/ Dynamic/ USD 1224.23 -1.65% 33.81% 11.0%
T. Rowe Price Blue Chips Growth* Equity/ Dynamic/ USD 66.39 15.14% 33.19% 15.1%
Allianz Oriental Income* Equity/ Dynamic/ USD 192.08 21.81% 40.11% 12.4%

Amundi Funds Bond Global Aggregate

The Fund has a Capital Preservation and Moderate Growth Objective; it invests in Bond worldwide with an emphasis on US Bonds. It is denominated in USD

Pimco GIS Global Investment Grade Credit Fund

The Fund has a Capital Preservation and Moderate Growth Objective; it invests in Bonds worldwide but only Investment Grade Bonds. It is denominated in USD

Pimco GIS Diversified Income Fund

The Fund has a Capital Preservation and Moderate Growth Objective; it focuses on high yield and investment grade bonds worldwide with an emphasis on US, Europe and Japan. It is denominated in USD

Vontobel US Equity

The Fund has a long term Capital Growth objective; it focuses on equities in the US Region and emphasizes on Mid Cap stocks. It is denominated in USD

T. Rowe Price Blue Chips Growth

The Fund has a long term Capital Growth objective; it focuses on equities in the US Region and emphasizes on Big Cap stocks. It is denominated in USD

Allianz RCM Oriental Income

The Fund has a long term Capital Growth objective; it focuses on equities in the Asia Pacific Region mainly Japan and Korea. It is denominated in USD

Allianz Accumulation Fund

Allianz SNA Accumulation Fund is an internal local Fund mainly investing in Bonds and fixed income securities of sovereign or local reputable corporate institutions or any other securities offering a bond-like risk and return profile, with cash exposure allowed up to 25% and may hold investment grade foreign fixed income instruments from different regions. The internal Fund is denominated in US Dollars.

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