For most of us, owning a nice house, providing for our families' needs and satisfying increasing wants are goals that we set ourselves in life. This is why we need to plan for our future financial needs. Cim Life is here to help you.

The Cim Life Wealth Accumulator is a medium to long-term product that allows individuals to save each month, invest and plan for future objectives such as buying a house or providing for their children's education. Fixed monthly premiums are contributed to the fund but the amount can be modified according to the individual's changing financial circumstances and objectives. The fund can be invested in a dynamic or secured fund. The dynamic fund consists of assets with a significant equity portion while the secured fund consists mainly of fixed interest securities and deposits. These funds are managed by expert fund managers.

Policy features
	The policy term for the monthly premium covers a minimum of 10 years
	It is possible to invest a single premium over a minimum term of 5 years
	It is possible to opt for yearly premium increases of 5, 8, 10, 12, or 15%. This acts as an inflation-fighter to assist the value of the investment
	From the tenth policy year onwards, an additional 2% of the paid premium is allocated to the policyholder's account
	The policyholder has the option of taking 20% of the accumulated fund value as from the tenth policy year and every five years thereafter. Any cash withdrawal before maturity date will then reduce the final maturity value payable

Optional covers
	Death Cover
	If an individual dies, Cim Life will pay a fixed amount as a lump sum benefit to his family and dependents.
	Total and permanent disability
	If an individual is permanently disabled, Cim Life will pay a fixed amount as a lump sum benefit to his family and dependents (if disability is caused by illness the lump sum will be paid in twenty-four monthly instalments)
	Premium Waiver Benefit
	If an individual is permanently disabled and can no longer earn an income, Cim Life will contribute the monthly premium to his fund.

Benefits for policyholders
	Guaranteed capital in case of death prior to maturity
	Enhanced net return
	Tax-free benefit and bonus
	Liquidity can be obtained through capital surrender
	The policy can be used as a security for a loan