Savings products

About us Assupol Life is a proudly South African company, with our roots firmly in place since 1913. We know insurance, as we provide products and services designed for South Africans, by South Africans, and we pride ourselves in knowing what the people need. Whether providing for you and your loved ones in the event of death, disability, a critical illness or retirement, we will assist you with your insurance needs. We are proud of our dedicated and personal client service, which is based on our core value of treating customers fairly.

Save – to get what you want Life is enough of a puzzle. Take the guesswork out of your future financial planning and start saving today for a specific goal. Whether it is for your children’s education, buying a car, taking a holiday or buying a house. With our savings plan it is easy. Our premiums are affordable and we can tailor-make it according to your requirements. Create a savings plan today and encourage your friends and family to do the same. Assupol One Savings Policy - your one solution to save Plan for that goal by saving an affordable amount every month. We offer yearly cash withdrawals for school fees or other regular expenses. You receive money tax-free when your policy ends, and the Assupol One Bonus if you didn’t make cash withdrawals from your policy.

Policy highlights • Your money is paid out tax-free when your policy ends • Education and emergency access: A cash withdrawal can be made every year after five years - the balance remains for longer-term needs • You can increase your monthly premium to protect your savings against the effects of inflation or to grow your investment further • You can add a benefit so that premiums don’t have to be paid after your death or if you become disabled • Assupol One Bonus: Rewarding you for disciplined savings by boosting your policy’s maturity value • Premiums start from R300 per month

Save – to get what you want.

How much can the Assupol One Bonus be?

33% 100%

Up to 33% of your policy fees and allocation charges are paid back to you, to boost your maturity value after five withdrawal-free years.

Up to 100% of your policy fees and allocation charges are paid back to you, to boost your maturity value after ten withdrawal-free years.

Which savings plan is the right one for me? We have three savings plans and one of them could be just what you are looking for. Use this table to see the different options available to you.

Which savings plan is the right one for me?

Assupol One Savings Policy

What will my minimum monthly What will my minimum monthly and single premium be? premium be?

IfIf term term isis less less than than 10 10 years: years: R350R350 per month Otherwise: otherwise R300 R300 per month

Assupol One Tax-free Savings Policy If term is less than 10 years: R350 R350 per month Otherwise: R300 otherwise R300 per month

Guaranteed-return Single-premium Policy

Minimum single single premium: premium Minimum -R30 R30000 000

Optional Optional single single premium: premium: Minimum: minimum R5 R5 000 000

Optional single premium: Minimum: R5 000 000 minimum R5 Maximum: R30 000 000 maximum R30

5 years 5 years None

5 years 5 years None

5 years 5 years 5 years

none Yes

none Yes

5 years Yes

yes Yes

yes Yes

yes n/a

Can this policy be used as Can thefor policy be or made paid-up? security a loan be ceded

No yes

No yes

Yes n/a

Can premium increases be Canyearly the policy be used as selected security for a loan or be ceded?

Yes – up yesto 20%

Yes – up noto 20%

n/a yes

Cancash yearly premium increases Are withdrawals allowed be selected?

Yes -yes yearly 5 years – upafter to 20%

Yes – from the first year of the yes –policy up to 20%

No n/a

Minimum term Minimum term Maximum term Does the policy Maximum term have a surrender value? Does the policy have a surrender Can the policy be made paid-up? value?

Are cash withdrawals allowed? Additional benefits and features Additional benefits and features

yes - yearly after 5 years Premium Waiver benefits may be added. Premium Waiver benefits may Assupol One Bonus be added. Assupol One Bonus

yes – from the first year of the Tax-free investment policy returns – no tax on interest, dividends and capital gains Tax-free investment returns – no tax on interest, dividends Assupol One Bonus and capital gains Assupol One Bonus

Remember, it’s never too early or too late to start saving.

no Guaranteed maturity value after 5 years Guaranteed maturity value after 5 years

Assupol One Tax-free Savings Policy – a new dimension in savings

Inve

stm

ent

Policy highlights

x-fr e

e

s

al

w ra

sh

rly

ith

w

ca

a Ye

k s ris eturn r tile

Single premium plan

Equ

it y

Low risk, single d pre mium guarantee

to

High Risk

F

Low

va from ity known ur at nd ay one M a d

H vo ig la

h

Bal an ce d

Med ium

Low risk to me diu m

- r et u r n tee d r a n e m iu m P o l i c y a r G u le -p ng is guaranteed Si lue

und yF uit q h E wit

d un

Hi gh

Whatever your risk appetite, we have a single premium plan for you.

risk gh hi

Policy highlights • Your maturity value after five years is guaranteed and will be known from day one • Your maturity value is tax-free • You can use your policy as security for a loan • A minimum single premium of R30 000

re t a

d

nus

In this policy, we provide you with a guaranteed maturity value so you can plan ahead for your goals.

ns a

Assupol One Tax-free Savings Policy

One Bo

Guaranteed-return Single-premium Policy – takes out the uncertainty from the markets

l Assupo

• Investment returns in this policy are tax-free – no tax on interest, dividends or capital gains • A maximum of R30 000 per year (or R2 500 per month) and R500 000 over your life may be paid into this policy - limits are set by legislation • Regular cash withdrawals can be made • No tax is paid at maturity or on cash withdrawals • The Assupol One Bonus - rewarding you for disciplined saving by boosting your policy’s maturity value • The bonus depends on the number of years you didn’t make cash withdrawals from your policy

retu r

Low Risk

Guar anteed Fund

Our premiums are affordable and we can tailor-make them according to your requirements.

Other products from Assupol you can consider Funeral cover

Life cover

Retirement annuity

• Excellence Family Funeral Plan

• Progress 4Sure Plan – no blood test • Progress Legacy Plan – blood test • Progress Accident Plan

• Carefree Life Retirement Annuity

Representative / broker

Contract provisions apply

www.assupol.co.za 308 Brooks street, Menlo Park, Pretoria 0081 Assupol Life Ltd reg no 2010/025083/06 Authorised financial services provider A member of the Association for Savings & Investment SA

S116_1