SecureLIFE

insurance focus

1. Investment Linked Insurance:

An insurance policy designed for wealth growth, asset protection, and estate planning.

Secure Life's Investment-Linked Life Insurance Policy is a high-end, whole-of-life policy that integrates insurance protection with access to a diverse universe of global investment opportunities. Structured for individuals, international families, and private wealth vehicles, the policy can be issued in advanced private placement configurations, offering flexibility to suit both simple and highly sophisticated planning needs.

Premiums are allocated to a dedicated, segregated account and can be invested across a wide range of eligible instruments, including managed portfolios, mutual funds, private equity, and other real assets. Policy values fluctuate in line with asset performance, while the underlying life insurance ensures, estate continuity, and favourable tax benefits.

Whether integrated into a trust or any other corporate structure, the investment-linked insurance policies serve as powerful cross-border planning tools that combine financial agility with long-term security.

Key Features:

• Whole-of-life insurance coverage with investment-linked performance.

• Multiple lives insured allowed.

• Open architecture: access to listed and non-listed investment classes (e.g. funds, PE, real estate)

• Segregated policy accounts for asset protection and transparency.

• Full discretion to nominate preferred investment managers, and advisors.

• Tax deferral opportunities and estate planning advantages in compliant jurisdictions.

• Multi-currency support and cross-border portability.

2. Lump Sum Annuities:

A guaranteed income solution for retirement planning, wealth preservation, and legacy transfer.

Secure Life's Lump Sum Annuity is a single premium insurance contract that transforms a one-time investment into a predictable stream of income over a defined term. Ideal for individuals seeking financial certainty, the policy is especially suited for retirement funding, succession planning, and safeguarding assets against market volatility.

Upon payment of the initial premium, the policyholder receives fixed or inflation-adjusted pay-outs at scheduled intervals. Tailored to meet a variety of financial goals.

Whether used as a personal retirement tool or as part of a wider estate plan, this annuity product offers a stable, secure, and flexible income alternative with cross-border benefits.

Key Features:

• Single premium payment with guaranteed periodic income.

• Fixed-term or lifetime pay-out options available.

• Inflation-adjusted payment structures -available.

• Optional death benefit to support legacy planning.

• Predictable returns with that protects from market volatility.

• Customizable pay-out frequency.

3. Term and Group life insurance

Pure risk protection for individuals and institutions seeking straightforward life cover without investment exposure.

Secure Life's Individual Life Insurance offering includes both Term Life and Group Life Insurance policies. These non-participating policies provide guaranteed life coverage with fixed benefits and no linkage to investment performance, making them ideal for clients seeking cost-effective, transparent protection.

Term Life Insurance provides high-value coverage for a specified duration, offering financial security to beneficiaries in the event of the insured's passing during the policy term. It is ideal for income replacement, debt protection, or family support.

Group Life Insurance is designed for organizations and institutions looking to protect employees or members under a single policy. With simplified administration and scalable terms, it serves as an efficient solution for employee benefits or group protection mandates.

Both policies are structured to deliver maximum coverage with flexibility in benefit structure and duration, suited to a range of personal and corporate planning needs.

Key Features:

• Non-participating structure: no investment risk or fluctuating value.

• Pure risk coverage with fixed death benefit.

• Term Life: coverage for individual life assured for a specific period.

• Group Life: streamlined cover for multiple lives under a single contract.

• Affordable premiums with customizable sum assured.

• Flexible beneficiary nomination and benefit structuring.

• Risk is 100% underwritten.