KASB Invest Assure

Invest Assure is a Unit Linked investment plan that provides you complete control over your invested capital with the flexibility to choose your investment mix according to your own requirements and risk appetite.

As a responsible individual, you not only seek to make the wishes of your family come true but also want to ensure that their dreams are secured against any obstacle that may come in the way. Invest Assure offers long-term saving options that provide high returns on your investment while providing protection against life’s uncertainties.Saving for your children’s education or marriage, planning your own retirement income or investing to buy a house in the future, Invest Assure has got all your financial requirements covered.

“Invest Assure” plan combines wealth creation with life protection into one powerful financial solution. Unlike other investment alternatives, it allows you to ensure that your goals of Wealth maximization are achieved even in the event of serious illness, accidents, disablement or death. “Invest Assure” provides you high returns on your savings but at the same time offers health and family protection against any misfortune. “Invest Assure” gives you the comfort that you and your family are always geared to face every hurdle that may come in the way of you leading a happy and smooth life.

KASB Invest Assure is a unique investment plan that offers you the flexibility to customize your plan to cater to your specific needs. With a variety of riders and features you can tailor your plan to address the following future financial responsibilities.1. Saving for children’s wedding
2. Saving for their Education
3. Saving for your own post retirement income
4. Saving to buy property or house

Contributions made towards the plan are invested in either of Investment Secure Fund or Investment Multiplier Fund. You can choose to invest fully in one of the fund that suite your investment strategy. The returns earned after deduction of risk charges, monthly admin and investment management charges are credited to the unit account balance and accumulate as the policyholder’s cash value. Funds are managed by a team of expert investment managers, who adjust the investment mix in light of economic conditions and investment opportunities.

Investment Options

Investment Secure Fund:
Is a moderate to low risk profile fund that generates stable & secure returns by balancing the investment in long term money market investments including Govt. securities and bonds as well as equities.

Investment Multiplier Fund:
Is a moderate to high risk profile fund that generates higher returns over the long run with a mix of investments in equities along with money market instruments.

1.Investment Booster:
You can enhance the growth of your savings through Saving Booster by depositing minimum payment of Rs. 10,000 (over and above the regular premium) into your plan. Saving Booster payment will be allocated at 103% in the unit account and can be made & withdrawn anytime during the plan term to boost your accumulated cash value.
To cater to your short term or urgent monitory requirements the plan offers you the option to take out loan of upto 50% of net cash surrender value anytime after the second year on the plan. which is the Account Value minus surrender charge.
3.Inflation protector:
This is a unique value-added feature to counter the Impact of inflation on your investment. Your contributions will increase every year by 5% or 10% of the previous years’ contributions. The cash value will increase accordingly
4.Continuation Bonus:
As you continue the plan for longer term your loyalty is rewarded in terms of Continuation Bonuses after every five years. The extra units will be allocated to your account in addition to the basic units of allocations. The Continuation bonus allocation is as follows:


Policy Year Continuation Bonus Unit Allocation as % of
Basic Premium to Account Value
5 10%
10 20%
15 25%
20 30%


5.Choice of Insurance coverage:
You have the option to Choose your own coverage level through cover multiple for the same amount of premium.
6.Protection Benefit:
In case of the unfortunate demise of the policy owner, during the plan term, the sum assured will be paid to the beneficiary (ies).
7.Plan Maturity Benefit:
At the time of maturity of the policy term the insured will get the amount equal to his/her account value.
8.Free- Look Period:
The plan offers a free-look period of 14 days, in which you can cancel your policy by contacting Adamjee Life, and have your premium refunded. However, as per law, Adamjee Life reserves the right to deduct the expenses incurred on medical examination(s) of the Life Assured in connection with the issuance of this Policy.
Critical Illness Rider (CI):
A lump sum amount is paid to you in case you are diagnosed with one of the listed 20 critical diseases during the enforce term of this rider. This lump sum benefit is additional to your main plan benefit.
Accidental Death and Accidental Disability Benefit (AD&D):
No matter how prepared we are accidents can happen anytime, therefore under this rider a lump sum benefit is paid to you or your chosen beneficiary in case of accidental death or accidental permanent disability.
Spouse Protection Rider (SPR):
In the unfortunate event of the death of the insured person’s spouse during the enforce term of this rider, the rider sum assured is payable.
Monthly Income Benefit Rider (MIB):
A monthly benefit is paid to you or your chosen beneficiary for the defined term of income benefit rider from the date of death or permanent disability. This rider is designed to allow the family to continue with their existing lifestyle even after the death of the head of the family.
Level Term Insurance Rider (LTR):
This feature guarantees a lump sum amount payable to your chosen beneficiary in case of death of insured person.
Waiver of Premium Rider-Death (WOP-Death):
On Death of the insured person, Adamjee Life will pay the initial (un-escalated) basic premiums for the remaining term of the rider. The beneficiary will receive the maturity benefit at the end of the policy term. The Insurance Company will make contributions to your account value until the plan maturity date so your family will not only be receiving your coverage amount but also the maturity benefit.
Waiver of Premium Rider-disability (WOP-Disability):
On total permanent disability of the insured person, Adamjee Life will pay the initial (un-escalated) basic premiums for the remaining term of the rider. The policy holder or beneficiary will receive the maturity benefit at the end of the policy term. The Insurance Company will make contributions to your account value until the plan maturity date so your family will not only be receiving your coverage amount but also the maturity benefit
  •  Your investment will Highest 1st year Investment Allocation (40%)
  •  Flexible mode of payment, with monthly mode option
  •  Partial withdrawal from 3rd year
  •  Highest bonus on 5th, 10th, 15th and 20th year to maximize returns.
  •  Highest Ad-hoc allocation (103%) (Investment Booster)
  •  Lowest ad-hoc investment Rs. 10,000 with no upper limit
  •  Loan facility of up to 50%, to cover emergency expense
  •  Flexibility to diversify your investment according to your preference (Investment Secure And Investment
  •  Free of charge 2 fund switches, twice a year
  •  Lowest annual premium (Rs.8,000)
  •  Non- medical limit of 4 million from 18 – 45
  •  Unique WOP disability and death benefit
  •  Unique plan with Critical Illness cover for 20 life threatening diseases
  •  Exclusive CI cover limit up to 1,500,000
  •  Comprehensive protection cover for accidental death and disability
  •  Comprehensive Protection Cover, 24 hours worldwide
  •  Monthly Income for Family in the event of Death & Disability
  •  Highest Protection Cover for Husband & Wife along with Multiple Investment options with high Non
    Medical Limit
  •  Additional protection cover for Spouse
  •  Lowest entry age (5 years), so investments can be made for children from an early age
Minimum entry age:
5 years (Age nearest birthday)
Maximum entry age:
70 years (Age nearest birthday)
Minimum policy term:
05 years
Minimum premium paying term:
05 years
Maximum Policy Term:
Up to age 85 years
Minimum basic premium:
PKR 8,000 (annual, Semi-annual & quarterly)
PKR 3,000 (monthly)
Payment modes:
Annual, Semi-annual, Quarterly & Monthly
As you continue the policy towards its full term, your Account Value will be credited with a proportion of Basic Premiums that you pay in. The proportions allocated to your Account Value will be as follows:
Policy Year % Allocation of Basic Premium
to Account Value
1 40%
2 80%
3 Onwards 100%
Management charges:
160 basis points of annual yield (1.6%)
Administration Fee:Nil
Policy Fee:
Bid/Offer Spread:
5% of net regular premium
Fund switching fee:
You are entitled to two initial free fund switches at anytime during the every plan year and each subsequent switch would be charged at Rs.300.
• “Invest Assure” is a Unit Linked Plan which is subject to investment risk and the cash value of the plan will
vary directly with the performance of the unit fund.
• KASB Bank is acting as a distributor of “Invest Assure” on behalf of Adamjee Life, and is not responsible in any
manner, whatsoever, to the customer, his/her beneficiary/ies or any third party.
• Adamjee Life is registered and supervised by Securities and Exchange Commission of Pakistan.
• This text only provides an introduction to the benefits available under the policy. A detailed description of
how the contract works is given in the ‘Terms and Conditions’, which will be provided after the customer avails
  the service.
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