This document provides information on various financial products for families, including: 1) An insurance plan that provides a lump sum payment on death and covers up to six family members for one low monthly premium. 2) A critical illness insurance plan that provides financial benefits if diagnosed with conditions like cancer, heart attack, or stroke to help maintain quality of life. 3) Education savings plans like REPS and Omni Educator that allow parents to save for children's post-secondary education and receive grants or scholarships. 4) Retirement planning benefits like tax-free contributions up to 20% of annual income and control over investment choices.

1. Financial Products
for the Family
Lowenfield & Terry-Ann Alleyne

2.  insurance plan providing a lump sum payment on death
 covers up to six family members
 one low monthly premium.

3. Plans, Benefits & Characteristics
Plan
Individual
Benefit
Monthly Premium
A J$80,000.00 J$422.40
B J$120,000.00 J$633.60
C J$150,000.00 J$792.00
D J$250,000.00 J$1320.00
E J$400,000.00 J$2112.00
F J$650,000.00 J$3,432.00
Benefits
 Provides a source of funds to take care of funeral
expenses in the event of death.
 Provides a source of financial security for loved ones or
family members after one’s passing.
 Each plan covers up to six family members for one
monthly premium.
Key Features & Characteristics
 Members must be the first person covered on this plan.
 Covers spouse, parents and children.
 Easy enrollment and payment plan.
 Benefits will be paid on the submission of death
certificate as proof of the death of the insured.
 In the event of the member's death, insurance under this
policy may be continued by any of the adult members
covered by the plan.
 No medical required.

4. Critical Illness
 insurance plan designed to provide protection
when you need it most.
 Surviving critical illness these days is not
uncommon but it can and will turn your life
upside down. It usually strikes without warning
and can affect you physically, emotionally and
financially. It also affects those closest to you,
spouse, family, a business partner.
 earn financial benefits while you are alive to
help maintain your quality of life and
independence after the onset of critical illness.
 Receive a lump sum settlement upon the first
diagnosis

5. Critical Illness -Typical Conditions Covered
 Heart Attack
 Cancer
 Stroke
 Major Burns
 Paralysis
 Loss of Speech
 Deafness
 Blindness
 Coma

6. Child Education
 Registered Education Savings Plan
 a savings plan used by parents to help them
save for their children's post-secondary
education.
 save for the first year of their child’s post-
secondary/tertiary education and the
Foundation will provide US dollar cash
scholarships towards the next three years.
 The Foundation will return the savings in US
dollars to apply towards the first year of
university or college and then provide
Scholarships in US dollars, derived primarily
from interest income, towards the next three
years.

7. Omni Educator - Introduction
 A unique long term education savings plan
 a vehicle through which parents and family
members can plan and save towards their
children's tertiary education.
 Education Grant - an amount equal to 20% of the
policy's Accumulated Value that results from the
eligible premiums.

8. Omni Educator - Features & Benefits
 Benefits payable for local or overseas study
 Additional 20% grant
 Attractive interest rates
 Interest rate on lump sum premium is guaranteed for one year
 Monthly compound interest
 Tax-free returns *
 Life insurance coverage
 Structured & convenient investment plan

9. Sigma Educator Benefits
 Tax free investment (if no withdrawals within 5 yrs)
 Education Grant
 Group Life Coverage
 AD&D Coverage

10. Education Plan Comparison

11. Retirement Planning
 Retirement is one of the most important
stages that we may experience in our lives.
 Reaching your retirement goals requires smart
planning and a disciplined approach
 Think about the lifestyle you would like to
live when you retire

12. Retirement Planning - Benefits
 Contribute a maximum of 20% of your annual income
 The amount contributed is not taxed; hence you pay
less in income tax
 You dictate how your money is invested
 Coverage for death benefit which will be payable to
your beneficiary