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MY PENSION

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For many people, retirement means living with lower smaller income and, consequently, refusing a habitual lifestyle. To enjoy the rest after your career the way you deserve it, we recommend using such instrument as accumulative pension insurance, for example, program offered by Ingosstrakh.

How does the program work?

• The program is tailored to the desirable level of pension payment or the size of the premiums you want to make for accumulation purposes.
• You may choose the way you want to pay your insurance premiums, whether as a one-off payment or in installments (annually, every six months, quarterly, monthly).
• The guaranteed rate of income is 3.5% pa. Moreover, based on the annual return on investments your policy will be eligible to an additional investment income.
• You may chose one of the following options for the payment of the pension:
• Life pension;
• Life pension with a guaranteed payment period (the period during which the family of the Insured person will continue to receive pension payments in the event of death of the latter);
• Bullet payment of the amount in savings.
• In the event of death of the Insured person its Beneficiaries will be repaid all premium amount paid by such Insured person excluding the cost of administration.

Examples:

• A man of 30 intends to provide himself with a life pension of $500 by the time he is 60. The size of the annual premium payable will be $1 530. The guaranteed size of the pension fund as at the date of the first pension payment will be $73 040. The forecast fund of pension savings inclusive of all additional investment income will be $112 465. The forecast size of monthly pension payments receivable will be $770.
• A woman of 30 is ready to invest app. $200 into her pension fund every month. The size of monthly pension payments will amount to $440. The guaranteed size of the pension fund as at the date of the first pension payment will be $84 540. The forecast fund of pension savings inclusive of all additional investment income will be $118 550. The forecast size of monthly pension payments receivable will be $615.