1. ICEALION LIFEICEALION LIFE
ASSURANCE COMPANYASSURANCE COMPANY
LIMITEDLIMITED
PRESENT

5. FIRST CHARTERED SECURITIES
MANUFACTURINGFINANCE AGRICULTURE OTHERS
ICEALION
GROUP
ICEALION
LIFE
MANSION
HART
KENCHIC
KNIGHT
FRANK
ICEALION ASSET
MANAGEMENT
ICEALION
GENERAL
NIC
CAPITAL
CHLORIDE
EXIDE
KARIRANA
TEA ESTATES
MITCHELL
COTTS
NIC BANK
ICEALION
TANZANI
A
NIC BANK
UGANDA
NIC BANK
TANZANIA
ICEA
TRUSTEE
SERVICES
ICEA
UGANDA

6. ABOUT US
•We are a member of First Chartered Securities Group, a leading local investment and trading
group controlling major business enterprises in such diverse sectors of the economy as
finance,
insurance, food processing, manufacturing, shipping services and agriculture
•Total asset base of Kshs.39.66 Billion, annual turnover in excess of Kshs.9 Billion
Total Asset
• Life fund in excess of Kshs23.5 Billion
2009 2010 2011
40
35
30
25
20
15
10
5
Kshs.InBillion
2012
2013

7. Icealion composite companies

8. Why An
Investment Plan?

9. 1. Retirement:
At one point in life you will not be able
to actively participate in nation
building due to old age that comes
along with health conditions. It would
be advisable to take up a saving plan
because you have the vision. As the
cost of living is going up all the time
and the quality going down, You need
to keep yourself braced for that.

10. 1. Because you have the vision .The costof living is going up all the time and the quality going down. You need to keep yourself braced for that.
2.Savings/Investment :
Life assurance is the simplest,
most popular and cost
effective way to financially
protect your family and
yourself in the event of your
death or disability
whichever comes first.

11. 1. B
2. L
3.Future Aspirations:
Unless you start saving now, the
cost in future may be
prohibitive and you may be
denied the type of lifestyle you
have always enjoyed or
envisioned. Whatever your
individual circumstances, you
owe it to you structuring a
personal strategy .

12. 1. B
2. L
3. 0
4.Death:
Death disrupts adversely the
livelihood of our dependants
from all walks in life.
Through your life cover they
stand to meet their daily and
future aspirations in your
absence.

13. Financial products
This will include:
1.Saving /investments
2.Children education
3.Retirement saving
4.Mortgage
5.Loan
6.Personal / family cover

14. UNIT LINKED
INVESTMENT PLAN
•A Unit Linked Investment Plan (ULIP) is a life insurance that
combines investment and protection.
•Your premiums will buy life insurance protection as well as
units in a fund of your choice and will allocate your
insurance premiums towards protection and investment.
•The choice of type of funds or portfolio i.e ICEA Equity
Fund, ICEA Money Fund, ICEA Growth Fund and ICEA Bond
Fund will be based on your risk appetite. Thus:

15. They are:
•EQUITY FUND: This fund is suitable for investors wishing to
have exposure to a portfolio of shares listed on the Stock
Exchange.
•GROWTH FUND: This fund invests in a mix of listed equities
for capital growth and interest bearing assets such as Fixed
Deposits, Treasury Bills and Treasury Bonds for income.
•MONEY MARKET: This fund invests in interest bearing assets
such as Fixed Deposits, Commercial Paper, Treasury Bills and
Treasury bonds to provide capital preservation and modest
appreciation

16. Children
Education
• This plan is specially designed as a savings and protection tool to
provide the money your child needs and ensures that money is
made available at crucial junctures in a child's schooling years ie
nursery, primary, secondary, tertiary, graduate and post-graduate
levels .
• This Education Plan guarantees that in the unfortunate event of the
death of a parent or guardian (whether death is caused by accident
or illness), the child's education continues unhampered.
• The parent/guardian may select to receive the amount in cash or
retain it to accumulate interest. Extra flexibility is available in the
form of three payment options: Lump-sum, 4-annual installments,
8-half-yearly installments and 12-quarterly installments.

17. • Factors you may need to consider in determining
the level of coverage:
• Place of study. Do you want your Child to Study
locally or abroad?
• University of choice. A top-notch university will
cost more. So, what is the current annual fee?
• Length of study. The longer the duration, the
higher the incidental expenses
• Inflation. How do you account for inflation, since
high education costs will be incurred in the future?

18. ENDOWMENT
PLAN
oThese are wealth creation plans which give one
dual benefit of protection along with the potentially
higher returns in the form of bonuses.
oBenefits are either paid at the end of a specific
period(on maturity or on surrender)or if you suffer
total permanent disability or upon your demise

19. •Each year, the Company
allocates a bonus which is
paid on maturity of the
policy. Bonuses vary and
depend on the profits of the
portfolio, but are paid on the
full face amount of the policy.

20. 1. ANNUAL/REVERSIONARY BONUSES.
• These bonuses are declared
annually as cash values
computed as percentages of the
basic sum assured. Once
granted, these bonuses are
guaranteed and cannot be
withdrawn.

21. 1. .
2. ACCRUED/TERMINAL/FINAL BONUSES
• Its an additional bonus granted at the end of
the life of a policy, which should encourage
the policyholder to keep the policy in force
until the maturity date. The size of the
terminal bonus is dependent upon the
investment conditions prevailing at the time of
maturity, as well as upon investment
performance.
• Since the maturity value grows throughout the
life of the policy, it is more prudent for the
policyholder to wait until the maturity date.

22. • The length of the plan is flexible i.e. can be increase or
decreased.
• The premium contributions are flexible i.e. can be increase or
decreased .
• The returns are Tax Free.
• The policy holder is entitled to a POLICY LOAN AT A REDUCED
INTEREST RATE on the 3rd
year of contribution.
• The policy holder is entitled to an INSURANCE RELIEF OF 15%
of total gross premiums at the end of the year from the
government.
• Peace of mind.
• Not part of your estate (cannot be contested in court).
BENEFITS.BENEFITS.

23. ANTICIPATED
ENDOWMENT
Most people are aware of the importance of financial planning for
future requirements. However, in today’s hectic world, all too often,
long-term needs are sacrificed for short-term needs and wants.
Choose to invest in Anticipated Endowment Plan, since it bridges that
gap by balancing your long-term needs and short-term needs. This
plan is of special interest to persons who, besides desiring to provide
for their own old age and family, feel the need for lump-sum benefits
at periodic intervals.

24. Unlike ordinary endowment assurance where full sum assured is paid on
survival at the end of the endowment period, under this plan:
20% guaranteed payment at the end of one-third of the policy term.
20% guaranteed payment at the end of two-thirds of the policy term.
60% guaranteed payment on maturity of the policy plus Accrued Bonuses.
The Salient Benefits of Anticipated Endowment Plan are:
Freedom to choose your own level and regularity of premiums i.e.
freedom to choose your premium payment term and to increase
additional benefits and contribution levels.
Freedom to access your funds at regular intervals - either through the
three convenient payment structure above or through a policy loan on
the cash value.

25. Also supplementary riders are there to
cover :
•Total permanent disability
•Waiver of premium
•Critical illness
•Last expense

26. • You can start now whether big or
small and be proud of your effort
in style.
• You are better of with at least
some saving than none at all.
• You will arrive at that through
ICEALION customized saving
plans as follows:

27. Retirement
saving/Pension
•A Personal Retirement Plan is about making the most of one’s
retirement future by planning now. It is essentially a tax deductible
investment vehicle that allows for the tax-free accumulation of a fund
for later use as an income on retirement.
•The money contributed by the contract-holder is invested and the
fund accumulates with interest.
•The amount of retirement income when you retire is dependent upon
the following:
•The amount of regular or single contributions.
•Performance of the invested funds.
•The annuity rate – the factor used to convert the accumulated
retirement fund into an annuity
- at the date of retirement.

28. Personal /
Family cover
The Family PA cover takes care of hospitalization and other
supplementary benefits when one and/or several family members get
sick or are hurt in an accident. Accidental benefits include:
• Death
• Permanent Total Disability
• Total Temporary Disability
• Artificial Appliance
• Hospitalization
• Dental Treatment
• Funeral Expenses

29. REQUIREMENTS.
•Filled proposal form.
•Copy of I.D.
•Pin number.
•Direct debit/Standing
order/salary deduction.

30. THANK YOU FOR TAKING YOUR
TIME FROM YOUR BUSY
SCHEDULE AND ACCORDING US
THE CHANCE TO TAKE YOU
THROUGH SOME OF OUR
PRODUCTS.
MAKE A WISE DECISSION NOW
BECAUSE ITS NEVER TOO LATE
OR TOO EARLY ,IT WAS WORTH
YOUR TIME AND EFFORT