Our Retirement and Pension Plans are thoughtfully designed to empower you to take full control of your financial future and plan for the life you envision. By making consistent contributions over time, you have the opportunity to steadily grow your savings while benefiting from access to global investment markets, helping you build a robust financial foundation. These plans not only allow you to safeguard your loved ones and ensure financial security in your later years, but they also provide a reliable and predictable income upon retirement, giving you peace of mind.

With a focus on flexibility and personalization, our Retirement and Pension Plans offer offshore diversification and a variety of payout options, allowing you to tailor your plan according to your long-term goals, lifestyle, and risk preferences. Whether you are just starting your career or looking to strengthen your retirement strategy, Fidelity’s plans are designed to support your journey toward a financially secure and fulfilling future.

Death Benefit: Provides financial protection to beneficiaries in the event of the insured’s natural or accidental death. The selected face amount is paid in addition to the accumulated fund value and remaining premiums, ensuring family security.

Waiver of Premium (Disability Protection): In case of Permanent Total Disability, future premiums are waived while the policy remains active, allowing the retirement or pension plan to continue without financial burden on the insured.

Retirement/Pension Income Benefit: On maturity, the plan can provide a lump sum amount or monthly retirement or pension income over a selected period (10, 15, or 20 years), ensuring financial stability during retirement.

Investment-Linked Growth (Offshore): Premiums are invested 100% offshore in leading international mutual funds, enabling long-term capital growth and diversification across global markets. Investment options include funds tracking the Vanguard S&P 500, iShares Nasdaq-100, Gold ETFs, Sovereign Fund- Capital Guaranteed, Bitcoin fund, JSS Sustainable Bond - UBS Cash Fund, providing a balanced strategy that combines growth potential, capital preservation, and stable income generation. Our selected funds are allocated across different investment strategies - Aggressive, Moderate, and Conservative - allowing clients to choose the approach that best aligns with their investment profile, risk tolerance, and long-term financial objectives.

Optional Face Amount Protection: An optional life insurance face amount can be added to the plan to enhance protection during the accumulation phase, combining savings with life coverage.

Optional Supplementary Benefits: Policyholders may enhance their plan with additional protection options, including:

• Passive War Risk
• Permanent Total Disability (PTD)

Flexible Premium & Contribution Structure: Offers flexibility in premium payments, with the ability to pay monthly, quarterly, semi-annually, or annually.

Worldwide Coverage: Provides global coverage and benefits, offering peace of mind regardless of the insured’s country of residence or travel.

Coverage Limits & Eligibility:

• Coverage up to USD 5,000,000
• Entry age: 18 to 95 years