5. FIRST CHARTERED SECURITIES
MANUFACTURINGFINANCE AGRICULTURE OTHERS
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
insurance, food processing, manufacturing, shipping services and agriculture
•Total asset base of Kshs.39.66 Billion, annual turnover in excess of Kshs.9 Billion
• Life fund in excess of Kshs23.5 Billion
2009 2010 2011
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 cost of living is going up all the time and the quality going down. You need to keep yourself braced for that.
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
11. 1. B
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
12. 1. B
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
13. Financial products
This will include:
1. Saving /investments
2. Children education
3. Retirement saving
6. Personal / family cover
14. UNIT LINKED
•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
• 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
• 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?
o These are wealth creation plans which give one
dual benefit of protection along with the
potentially higher returns in the form of bonuses.
o Benefits 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 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
• The premium contributions are flexible i.e. can be increase or
• 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
• Peace of mind.
• Not part of your estate (cannot be contested in court).
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
• 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
• You are better of with at least
some saving than none at all.
• You will arrive at that through
ICEALION customized saving plans
•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 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 /
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:
• Permanent Total Disability
• Total Temporary Disability
• Artificial Appliance
• Dental Treatment
• Funeral Expenses
30. COST OF DELAY.
Sam finds himself in dire trouble. His business has gone bust and
he's in serious financial problems. He's so desperate that he
decides to ask God for help. "God, please help me. I've lost my
store and if I don’t get some money, Am going to lose my house
too. Please let me win the lottery!" Lottery night! Someone else
wins... Sam prays again. "God, please let me win the lottery! I've
lost my store, my house and am going to lose ma car as well!"
Lottery night again! Still no luck... Sam prays again.
“Lord, I've lost my business, my house and my car. My children
are starving. I don’t often ask for your help and I have always
been a good servant. PLEASE just let me win the lottery this one
time so I can get back on my feet!
"Suddenly there is a blinding flash as the heavens open and
the voice of God Himself thunders:
"JOCK AT LEAST MEET ME HALF WAY AND BUY A
31. THANK YOU FOR TAKING YOUR TIME FROMYOUR
BUSY SCHEDULE AND ACCORDING US THE CHANCE
TO TAKE YOU THROUGH SOME OF OUR PRODUCTS.
MAKE A WISE DECISSION NOW BECAUSE ITS NEVER
TOOLATE OR TOOEARLY ,IT WAS WORTH YOURTIME