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Allianz SNA bldg. Hazmieh

Tel:  +961 5 422 000

Fax: +961 5 956 624

P.O. Box 16-6528 Beirut - Lebanon

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Allianz Spiral is an individual multi-vehicle plan aiming to fulfill the contract owner’s needs, in life protection and investment by offering a comprehensive list of insurance benefits and a wide choice of both “with profit” investment and Unit-Link funds, through regular and/or additional investment contributions.






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  • Multiple investment options with a possibility to choose between various investment options, according to your risk preferences
  • Flexible saving and protection option to save for your children’s education
  • Ability to switch between investment options anytime
  • Flexible protection benefits with various insurance covers and riders
  • Possibility to protect both the insurance and investment benefits against inflation
  • Flexibility of payments (monthly / quarterly / half-yearly / yearly)


  • Protection Needs

  • Saving Needs

Protection Needs

  • 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 Needs

  • 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 “with profit” investment and several local, international and
    offshore Funds:

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:

  • Diverse Asset Types (Bonds, Stock)
  • Geographical Allocations (Asia Pacific, Europe, USA)
  • Currency allocations (USD)

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

* Referring to Allianz SNA Range of Funds

  Fund Performance

 Spiral Funds


Risk Class



(Net Asset Value)


(Year to Date)



5 years

Amundi Funds Bond Global Aggregate Fixed Income Moderate USD  247.45 10.37% -2.22%  3.3%
Pimco GIS Global Investment Grade Credit Fund Fixed Income Moderate USD


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




Allianz RCM Oriental Income Equity Dynamic USD 142.43 26.55% -19.01%  7.4%

  Case Study

Walid, a 32 years old man, is planning to prepare for his own retirement and the education of Ramy, his 2 years old child. 

The «Spiral» program from Allianz SNA is the perfect choice for Walid to start investing his money in a financial program while making sure that he has the appropriate insurance coverage.

Example of Spiral plan for Walid:

  • Life Insurance Cover: $100,000
  • Schooling Cover: $5,200/year until Ramy reaches the age of 18 in case of the father's death or Total Permanent Disablement
  • University Cover: $16,000/year for 3 years once Ramy reaches the age of 18, in case of the father's death or Total Permanent Disablement.
  • Annual premium: $3,000
  • Annual variation: 2%

Ramy's Age

18 years old

19 years old

20 years old

University Cash Value

$ 21,965

$ 22,404

$ 22,852


Retirement Age

Total Estimated

Return – 3.5%

Total Estimated

Return – 7%

65 years

$ 71,982

$ 177,184

75 years

$ 135,902

$ 427,841

85 years

$ 191,415

$ 861,761


Can I protect my plan against inflation?

Contributions & covers can be indexed from 0 to 7% according to your requirements.

What are the basic insurance covers?

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.

What are the life exclusions that are not covered within the policy?

Suicide and death sentence during the first two years and war risks unless chosen under the additional benefits.


How will I collect my money at maturity?

You may elect one (or a combination) of 2 options:

  1. A lump sum cash payment.
  2. A guaranteed 10 years annuity.


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