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Allianz SNA bldg. Hazmieh

Tel:  +961 5 956 600 / 5 422 000

Fax: +961 5 956 624

P.O. Box 16-6528 Beirut - Lebanon

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Tel: +971 4 270 8714

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Choose your melody

Symphonia is devoted to accompany you in the journey of life and support you to fully look after your loved ones. Whether you want to protect a child, a parent, or a spouse, you will find much more than what you expected. Choose your melody.

Symphonia is a financial Modular System from Allianz SNA combining Wealth Distribution rhythms at various time frames;

  • An aggressive Capital Appreciation rhythm, reflecting efficiency and accuracy in Asset Management for the Medium to Long term planning.
  • A balanced Savings rhythm, reflecting harmony for a Long-term Retirement strategy.
  • A conservative Protective rhythm, reflecting a hedging tactic to safeguard the continuation of the concert.

The program is designed to meet with whatever combination you deem necessary for your financial objectives and goals.

Allianz SNA will offer you the possibility to be the SOLE conductor of your Symphonia, with a full autonomy of adjusting rhythms anytime, to meet with the suitable investment ambiance.....


Allianz SNA - Symphonia
  • Flexible saving option with a possibility to choose between various investments choices, according to your risk preferences.
  • Flexibility to switch between investment options anytime
  • Flexible protection options 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) 


  • Basic protection benefits.

  • Additional Riders

Basic protection benefits.

  • With Symphonia, you will have the option to set up the appropriate insurance amount that would safeguard the financial future of your family in case of Death or Disability. (Life Insurance Benefit)
  • In case of death or permanent disability, the schooling and university fees of your children, in addition to the financial welfare of the Parents will be covered over a pre-set period of your choice. (Schooling benefits)
  • In case of Death or Diability, Symphonia grants the option of transferring the policy to a pre-selected poicy holder (Beneficiary) and the company will step in and pay the due premiums on behalf of the policyholder up till the original maturity. (Waiver of future contribution)

Symphonia tunes itself to fit your life beats. You will have the capacity to amend the terms and/or coverage of your policy and get all the related benefits. Whether Life surprised you with death accidents, illnesses, or a long term total and permanent disablement, Symphonia will stick to its promise and protects you all the way, no matter what circumstance you find yourself immersed in. (Financial protection: a unique selection of 7 covers)

Additional Riders

A rider is a provision in your Symphonia policy that adds in extra insurance benefits as per your selection and needs.

  • A Life Insurance Benefit grants coverage in case of decease due to natural and/or accidents risks. (Death rider)
  • An Accidental and Natural Permanent Total Disability Coverage guaranteed to preserve the appropriate amount necessary for a safe financial future. (Additional long term total and permanent disablement Rider LT-TPD)
  • A pre-selected Coverage on all risks pertaining to 11 Critical illnesses. (Critical Illness rider)
  • A supplementary Life Insurance Coverage to better support the family in case of an accidental death. (Accidental Death Rider)
  • Supplementary Total and Partial Disability Coverage due to accidents to better insure related risks when and if necessary. (Accidental Total Permanent Disablement (TPD) and Partial Permanent Disablement (PPD) rider)
  • Additional coverage on all risks resulting directly or indirectly from war events. (Passive War Death Rider)
  • Additional Disability Coverage from war or war-related risks. (Passive War total Disablement (TPD) and Partial Permanent Disablement (PPD) rider)

  Fund Performance

Symphonia Funds


Risk Class



(Net Asset Value)


(Year to Date)



5 years

Allianz Geldmarktfonds Spezial Money Market Conservative EUR  46.53 -1.02% -0.72% -0.3%
Pimco GIS Low average duration fund Fixed Income Moderate USD  12.69 3.42%  -0.97%  0.7%
Pimco GIS GLB INV GR CR Fixed Income Moderate USD  18.90 10.59%  -1.89% 4.0%
Pimco GIS Total Ret. Bd. Fixed Income Moderate USD  27.84 7.95%  -2.05%  2.4%
Pimco GIS Diversified Income  Fixed Income Moderate USD  22.75


-2.50% 4.6%
P0imco GIS Emg Mkts Bd Fixed Income Moderate USD 44.93 12.02% -5.22% 3.7%
Allianz RCM US Equity Equity Aggressive USD 216.87 23.05%  -11.46% 7.8%
Allianz RCM China Equity Aggressive USD 58.39 10.21% -17.83% 4.3%
Allianz RCM Europe Equity Growth Equity Aggressive EUR  277.13 26.51% -15.80% 8.3%
Allianz RCM Asia Pacific  Equity Aggressive USD  19.54 10.83% -21.29% 2.10%
Allianz RCM Oriental Income Equity Aggressive USD


30.39%  -19.01% 7.3%
Allianz RCM Global Agricultural Trends Equity Aggressive USD  10.79 8.33%  -22.73% -2.20%
Allianz RCM Rohstoffonds Equity Aggressive EUR 62.34 10.45%  -15.04% 0.0%
Allianz RCM Bric Equity Equity Aggressive USD 6.86 10.47%  -12.29% 4.0%
iShares MSCI World Islamic UCI Equity Aggressive USD 33.52 17.90%




How can I protect my plan against inflation?

Contributions as well as benefits can be indexed to inflation rate according to your expectations and subject to a minimum rate of 0% and a maximum rate of 7%.

Is there a minimum amount I should pay and, if for some reason I am not able to honor my dues, do I loose my plan?

The minimum monthly contribution is USD$250. With Symphonia, you can reduce or even suspend your regular contributions at any time without penalty. Your Symphonia investment account will continue to perform normally as long as the investment account covers the monthly deductions due until you decide to resume your regular contributions.

What are the available insurance benefits involved in my plan?

Symphonia has a wide range of basic protection benefits that include the following optional insurance benefits payable in case of Death or Total Permanent Disablement: Cover A: Minimum Lump Sum Benefit or Multiple of Total Paid Regular Contributions Cover B: Schooling Benefit(s). Cover C: Waiver of Future Contributions. In addition to the optional insurance benefits, Symphonia offers access to a variety of 5 years renewable additional insurance riders: 1- Additional Death Rider; 2- Additional Long Term Total and Permanent Disablement Rider; 3- Additional Critical Illness Rider. 4- Additional Accidental Death Rider; 5- Additional Accidental Total Permanent Disablement (TPD) and Partial Permanent Disablement (PPD) Rider; 6- Additional Passive War Death Rider; 7- Additional Passive War Total Permanent disablement (TPD) and Partial Permanent Disablement (PPD) Rider; Your Symphonia Consultant can also explain each benefit to you in details. We have included these benefits to ensure that you and your dependents can receive the maximum financial support in case of adverse, unforeseen events.

How can I change my funds' allocations?

You may, upon written request to the Company switch between units in the Unit Linked Funds to the available Fund(s). You may redirect future contributions as well.

Can I take partial withdrawals before the planned maturity date?

You can withdraw up to 80% of your Symphonia investment account at any time. However, in case of a full withdrawal, it's worth noting that your encashment value may be less than your investment account.

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