AIB Insurance Brokers Ltd 501, TRIQ IL-KBIRA SAN GUZEPP, SANTA VENERA SVR1016

MAPFRE MSV Life p.l.c. is the leading provider of life insurance protection, long term savings and retirement planning in Malta.

Wherever you are in life’s journey – beginning your career, starting a family, welcoming a child, setting up a business or planning for your retirement, we have the products and services that can help you meet your present and future financial needs.

AIB Insurance Brokers is an enrolled Tied Insurance Intermediary of MAPFRE MSV Life. MAPFRE MSV Life is authorised by the Malta Financial Services Authority to carry on long term business under the Insurance Business Act, 1998.

Our Products

1.1 Insurance to Protect Your Loved Ones

Planning on ways on how to protect your loved ones at the time of your death is no easy task, but it shows how much you care for them. Life insurance will give you peace of mind that your family’s financial future is secured even when you are no longer able to provide for them. If you are the main person receiving income for your family, you should immediately start considering investing in a life insurance policy to support your family by leaving a legacy or creating additional wealth. PROTECTION PLAN The Protection Plan has been designed to provide an immediate tax-free payment to whoever you decide on your death. It helps you maintain your family’s standard of living and keep your children in their current school and fund their future needs. WHOLE OF LIFE PLAN The Whole of Life Plan has been designed to help you protect your family from the financial costs when you die, such as funeral expenses, taxes and other duties. It can also be used to help maintain your family’s lifestyle or simply to leave as a legacy.

1.2 Insurance to Protect your Loans

Some of our most costly assets are also the ones that we cannot afford to live without such as homes, for which most of us require the need of loans in order to fulfil its payment throughout our lifetime. However, have you ever considered how your dependants would manage to pay off the loan should something happen to you? Loan protection ensures that your loans will still be paid in your absence, thereby ensuring peace of mind that your loved ones will still have a roof over their heads, even during the most difficult of times. LOAN PROTECTION PLAN The Loan Protection Plan aims to repay any outstanding home loan on your death. This means that you are safe in the knowledge that the roof over your partner and children’s heads is safe even when you are no longer around. PROTECTION PLAN The Protection Plan has been designed provide an immediate tax-free payment to whoever you decide on your death. It helps you maintain your family’s standard of living and keep your children in their current school and fund their future needs.

1.3 Insurance for the Future

Life insurance makes the most sense when you’re young since the premiums are less expensive and you have fewer assets to pass on to heirs. The longer you wait, the more expensive it will tend to be and the more likely you are to develop a medical condition that makes it much more expensive. Of course, the biggest problem with procrastinating life insurance is that by the time you need it, it’s too late to get it. Even single persons need at least enough life insurance to cover the costs of personal debts, medical expenses and funeral bills. If you are uninsured, you may leave a legacy of unpaid expenses for your family to deal with. PROTECTION PLAN The Protection Plan has been designed provide an immediate tax-free payment to whoever you decide on your death. It helps you maintain your family’s standard of living and keep your children in their current school and fund their future needs. WHOLE OF LIFE PLAN The Whole of Life Plan has been designed to help you protect your family from the financial costs when you die, such as funeral expenses, taxes and other duties. It can also be used to help maintain your family’s lifestyle or simply to leave as a legacy.

1.4 Free Life Insurance

We believe life insurance and family protection are the cornerstones to successful financial planning and security. Whilst we can never replace you, our offer is designed to give your family a helpful start in replacing your income in the event of your death. FREE LIFE INSURANCE FOR NEW PARENTS The Free Life Insurance for New Parents is there to help make your life that little bit easier by giving you the peace of mind you deserve. FREE LIFE INSURANCE FOR NEWLY WEDS The Free Life Insurance for Newly Weds is a life insurance plan that pays out €10,000 if you die before your first wedding anniversary.

2.1 Simple and Secure Savings

Savings Plans provide you with an easy and disciplined way to save for your future. Our Regular Premium Savings Plans are designed to suit all purposes such as saving for your children’s future education, buying a car, saving for your dream holiday or for your daughter’s wedding. They can offer capital protection and attractive bonus rates through participation in the MSV With Profits Fund. The MSV With Profits Fund is a time-tested, reliable and tax efficient method of saving which offers smoothed investment returns over time. FLEXI PLAN It doesn’t matter what you want to save for - your home, a holiday, a new car or your retirement. The MSV Flexi Plan can help make your future more rewarding. You have complete independence and control to tailor the plan to suit your personal circumstances

2.2 Unit Linked Savings Plans

Our Plans provide you with an easy and disciplined way to save for your future. Our Regular Premium Savings Plans are designed to suit all purposes such as saving for your children’s future education, buying a car, saving for your dream holiday or for your daughter’s wedding. Unit linked investment plans offer you a choice of different investment funds as well as the opportunity to invest in the MSV With Profits Fund. UNIT LINKED SAVINGS PLAN The Unit Linked Savings Plan is a long term regular contribution savings plan, offering you a choice of different investments as well as the With Profits Fund. It allows you to save on a regular basis and to invest a lump sum at anytime in the future. The value of the Policy is linked to the value of the underlying investments of your choice.

3.1 Simple and Secure Single Premium Investments

Our Investment Plans can offer capital protection and attractive bonus rates through participation in the With Profits Fund. The With Profits Fund is a time-tested, reliable and tax efficient method of investment which offers smoothed investment returns over time. These type of Investment Plans offer: Option to choose how much you want to invest; Excellent potential for a tax efficient stable medium to long-term capital growth; Peace of mind through a traditional and reliable way of investing, as well as access to award winning investment fund managers; Options to top-up your investments with additional lump sums; Flexibility to make partial withdrawals; the ability to receive a regular income through withdrawal of bonuses and the option to designate beneficiaries to receive the value of the plan directly upon your death. SINGLE PREMIUM PLAN The Single Premium Plan is a lump sum investment plan which invests in the With Profits Fund. A With-profits investment smoothes the return on your money by spreading the profits over good and bad years.

3.2 Unit Linked Single Premium Investments

Our Investment Plans can offer capital protection and attractive bonus rates through participation in the With Profits Fund or the chance to participate in equity and bond markets through award winning investment fund managers. They are simple yet flexible and efficient solutions that offer you the opportunity to invest in a wide range of assets, such as, equities bonds, real estate, commodities and money markets in one portfolio through a lump sum investment. INVESTMENT BOND The Investment Bond is a whole of life investment plan linked to the value of underlying investment funds. The plan is available in three currency versions - Euro, US Dollar, or GB Sterling.

4.1 Simple and Secure Retirement Options

Planning for Retirement is probably one of the most important factors to consider when setting out your long term financial goals. Your pension and the funds you save up over the years are the money you will live on when you retire, so saving for this purpose is one of the most important investments you will ever make. PERSONAL PENSIONS PLANS - WITH PROFITS The Personal Pension Plan have been designed to offer you flexibility and investment choice, as well receiving a tax rebate equal to 15% of the amount you save each year (subject to a maximum determined by the government). FLEXI PLAN It doesn’t matter what you want to save for - your home, a holiday, a new car or your retirement. The Flexi Plan can help make your future more rewarding. You have complete independence and control to tailor the plan to suit your personal circumstances.

4.2 Unit Linked Retirement Options

Planning for Retirement is probably one of the most important factors to consider when setting out your long term financial goals. Your pension and the funds you save up over the years are the money you will live on when you retire, so saving for this purpose is one of the most important investments you will ever make. PERSONAL PENSION PLAN - Unit Linked The Personal Pension Plan (Unit Linked) is a long term regular savings pension plan, offering you a choice of various investment funds. It allows you to save on a regular basis and to invest additional lump sums at any time in the future. The value of the Plan is linked to the value of the underlying investments of your choice. UNIT LINKED SAVINGS PLAN The Unit Linked Savings Plan is a long term regular contribution savings plan, offering you a choice of different investments as well as the With Profits Fund It allows you to save on a regular basis and to invest a lump sum at anytime in the future. The value of the Policy is linked to the value of the underlying investments of your choice.

AIB Insurance Brokers Ltd

23479500

info@aib.com.mt

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