The key features and benefits of the Life Builder Plan are:

• Child Education, Retirement and Savings plans to suit individual needs
• Guaranteed payouts at maturity to ensure your peace of mind ¹
• Easy documentation and no medicals required, providing greater convenience
• Excess return bonus, to give you additional gains ²

1. Life Builder Plan – Child Education Plan
Most parents underestimate how expensive it is to pay for their child’s education. That’s why the Child Education Plan guarantees a regular income to pay for your child’s college expenses when the time comes, giving you the peace of mind you long for.

Steps to secure your child’s education

• Specify at what age your child will go to college (15 - 21 years of age)
• Determine the number of years your child will be in college (3, 4 or 5 years)
• Identify how much you would require for your child’s higher education or how much you are comfortable contributing in to the plan, and we'll calculate your guaranteed payouts.

The Life Builder Plan will guarantee that your child’s college fees are met, thus securing his or her future.

2. Life Builder Plan – Retirement Plan
Retirement is a time for you to enjoy life, not to be spent in making compromises on your quality of life. The Retirement Plan will ensure that your retirement is taken care of, as it guarantees the pension you would like to receive from the desired retirement age till you are 99 years old.

Steps to secure your retirement

• Specify when you want your retirement payouts to begin (45 – 70 years of age)
• Identify how much you would require for your retirement or how much you are comfortable contributing in to the plan, and we’ll calculate your guaranteed payouts.

The Life Builder Plan will guarantee your retirement payouts from the desired retirement age.

3. Life Builder Plan – Savings Plan
It is always better to be prepared with a strong financial plan for the opportunities that life presents. Whether it is buying a house, your dream car, your daughter’s wedding, a holiday or just savings for a rainy day. All it requires is a disciplined savings approach to make sure that you meet your objectives in life.

Steps to secure your savings

• Specify at what age you want to receive your savings
• Identify how much you would require at maturity or how much you are comfortable contributing in to the plan, and we'll calculate your guaranteed payout¹

The Life Builder Plan will guarantee the payout for your future financial needs.

Free Look Period
You are entitled to a "Free Look Period" of 30 days from the date your policy is issued. In case you cancel your policy during this period, you will get a full refund of any payments made.

Additional benefits to enhance your plan
You can choose additional optional protection benefits to fulfill your financial objectives in case of unfortunate events like death or disability.

Secure your future now!
Contact your Relationship Manager, visit your nearest Standard Chartered Bank branch or call 600 5222 88 to have a plan catered to your needs.

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*The policy 'Life Builder Plan' is a part of the 'Income Builder Plan Series'. Terms & Conditions apply. This insurance policy is underwritten by American Life Insurance Company (ALICO). The insurance coverage that this policy provides shall be at all times subject to the terms and conditions of the policy contract issued by ALICO. Standard Chartered Bank shall not be responsible for ALICO's actions or decisions under the policy contract nor shall Standard Chartered Bank be liable regarding payment of claims or services under the policy contract issued by ALICO. Premium holidays are not permitted.

1 For the Life Builder Plan – Savings Plan, the guaranteed payout at maturity will be a lump sum.

2 Excess return bonus (if any) is earned annually and can only be withdrawn at the end of the contribution period. The excess return bonus is not guaranteed and may be declared by ALICO based on the earnings.

3 The accumulation phase is the period when your contributions are invested so that the plan can provide the guaranteed payouts during the payout phase.

4 This is the phase where you receive the guaranteed payouts. For the Child Education Plan, the payout phase can be chosen between 3 to 5 years. For the Retirement Plan, it’s the period from the selected retirement age till age 99, and for the Savings Plan, it’s the lump sum amount at maturity.