Financial Advisor at FBN Insurance Limited

14/01/2025

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12/01/2025

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10/01/2021

Personal Retirement Plan
HomeRetail ProductsPersonal Retirement Plan
Retirement years should represent a time of rest and enjoyment. The worries of working life ceases and a life of fun begins. With retirement comes the reality that you no longer have a regular monthly income. You may start to feel the financial pressures as your accumulated savings may gradually reduce due to increasing living expenses. This may be as a result of inflation, rising living cost, dwindling or no future savings.

This is why you need a PERSONAL RETIREMENT PLAN, a retirement savings plan that ensures that you are in control of your life even during your golden years. It is a simple, hassle free plan that helps you to create your own pension pot and live your retirement the way you want it.

How Does It Work?
Step 1: Choose your policy premium
Like any other plan that allows you to save for retirement, you decide the premium you want. This represents the regular contribution amount during the savings period. The premium amount can be paid monthly, quarterly, semi-annually, annually or one-off.
Step 2: Decide the Deferred / Savings period
You also decide the deferred period. This is the period when your contributions will accumulate. It is the period when you make contributions towards building your retirement fund.
Step 3: Start growing your fund
Your funds will grow at an annual interest rate which will be communicated to you quarterly.
Step 4: Earn additional bonus on your fund as you save
The plan also promises you an additional amount referred to as the Retirement Bonus which is a defined percentage of your total fund, the sum of which is dependent on how long you save (deferred period). This is earned at the point of exit which is either at maturity or on termination (provided it is greater than five years).
Step 5: Convert to regular monthly income
You have the option to convert your fund balance (allocated contribution plus interest plus bonus) to annuity or a lumpsum

01/01/2021

26/12/2020

Trust FBN insurance

25/12/2020

This is the time you give yourself a target of what you want to achieve in future, is it getting house, car, marriage, greater businesses and many other important targets, then you start saving with FBN insurance to actualize your targets. Don't procrastinate START NOW!!!!

17/12/2020

FlexiSave Plan
HomeRetail ProductsFlexiSave Plan
This policy provides policyholders with an avenue for medium to long term savings and a lump sum benefit at the end of the selected duration.

Product Features
Life Cover

In case of death during the duration of the policy, there is a guaranteed funeral expense benefit payable to the beneficiary
This guaranteed funeral expense benefit is equal to 10% of total premium payable during the duration of the policy subject to a minimum of N100,000 and a maximum of N500,000
Accidental Death Benefit: 200% of the total premium paid is payable for the entire period of cover, subject to a maximum limit of N5,000,000
Minimum monthly premium of N5,000
Maximum age at maturity: 65 years
Minimum policy term: 5 years
Maximum policy term: 20 years
Premium payment mode: Monthly/Quarterly/Half Yearly/Annually/Single Premium
Provide tax free lump sum at the end of the selected policy duration
Grace Period: There is a grace period of 30 days for payment of premium
A risk premium would be deducted from your regular contribution to provide for your life cover
Maturity Benefit:

At maturity, you will receive full refund of investment premiums and accrued interest on your contribution

15/12/2020

Often times, we wished we had an investment plan that would help us save periodically while giving us access to lump sums at specified intervals over a given period. If you are one of those who do, then FlexiCash is what you need.

FBNInsurance FlexiCash is an endowment plan that allows the policyholder live life to the fullest today and at the same time stay protected by allowing for the flexibility of receiving a specified percentage of the sum assured at specified intervals.

Product Features

Maturity Benefits:

Policyholder gets periodic cashflow as described below:

25% of the sum assured will be paid at the end of the fourth year25% of the sum assured will be paid mid-way through the outstanding duration after the first payment.100% of the sum assured plus all accrued bonuses will be paid at maturityMinimum monthly premium is N5,000Maximum age at maturity: 65 yearsMinimum policy term: 6 yearsMaximum policy term: 16 years

Wealth Creation – Full Sum Assured plus accrued bonus is payable in the event of the death of the policyholder. This is in addition to the partial maturity benefit already paid to date.

Eligibility Criteria:

Minimum age at entry: 18 yearsMaximum age at entry: 59 years

Surrender Value:

You can surrender your policy after 12 months if you pay your premium regularly but there will be a surrender charge.

Money Back Guarantee:

The policyholder has the right to cancel the policy within 30 days of commencement and receive all premiums paid provided that no benefit has been paid or claimed.

15/12/2020

If the education of your child/ward means anything to you, then you would go the extra mile to ensure they enjoy the very best, come what may. This is what our FlexiEdu plans are all about.

FlexiEdu helps every parent/guardian plan a bright future for their child/ward no matter the uncertainties of life. This plan is open to parents/sponsors of
wards/children across all levels of education.

Product Features

Life Cover

Minimum monthly premium of N5,000Policy provides a minimum death benefit of N300,000Medical examination may be required depending on the sum assured and the entry age of the policyholderMinimum policy term: 5 yearsMaximum policy term: 20 yearsMaximum age at maturity: 65 yearsPremium payment mode: Monthly/Quarterly/Half Yearly/Annually/Single Premium

Maturity Benefits:

Maturity benefit is paid as a lump sum or in four (4)
equal, annual instalments

Death Benefits:

In the event of the death of the policyholder before maturity, 10% of the sum assured will be payable annually to the beneficiary subject to a limit of 100% of the sum assured.The guaranteed maturity benefits will still be paid at maturity of the policy.All future premiums due for payment will be waived.