A flexible insurance solution that lets you be in control.
  • Spiral UL is an all-in-one insurance solution that lets you secure and protect what matters to you the most: Protecting your income, securing your retirement amount as well as the schooling & university tuitions of your children.
  • Spiral UL is a personalized solution based on your actual situation and will evolve through your life journey. Choosing Spiral is choosing a Life Companion.
Flexible protection benefits with various insurance covers and riders. 
Multiple investment options with a possibility to choose between various investment options, according to your risk preferences. 
Provides the continuity of your children’s education through the schooling and university tuitions.
Flexibility of payments (monthly / quarterly / half-yearly / yearly). 
Possibility to protect both the insurance and investment benefits against inflation. 
  • Cover A - Lump Sum benefit: Payment of Lump Sum amount in case of Death
  • Cover B - Spouse Income Benefit: Annual payment of an annuity for a fixed period in case of Death
  • Cover C - Schooling benefit(s): Annual payment of schooling annuities in case of Death up to a selected child age
  • Cover D - University annuities for your children starting at a specified child age and for a fixed period
  • TPD Rider - In case of Total and Permanent Disablement, covers A, B, C and D are payable
  • Passive War Rider - In case of Death or Total and Permanent Disablement due to passive war, the selected covers A, B, C and D are payable
  • Accident Rider - Additional amount payable in case of Accidental Death or Permanent Disablement
  • Cover D - University annuities for your children starting at a specified child age and for a fixed period 
  • Retirement - Payment of lumpsum amount on maturity, or annuity for a fixed period, or a combination of both
  • Booster - Boost your investment account with additional investment contributions
  • Funds - The choice of investment in several internal and external Funds

Various Investment options are available ranging:

  • Diverse Asset Types
  • Geographical Allocations (Local and Global)
  • Currency Allocations (USD)

Fund allocations can be changed and adjusted any time and as deemed necessary

Contributions & covers can be indexed from 0 to 7% according to your requirements.
In case of death or Permanent Total Disablement of the Assured, Allianz S.A.L. will pay the insurance benefits or the cash value at the time.
Suicide and death sentence during the first two years and war risks unless chosen under the additional benefits.

You may elect one (or a combination) of 2 options:

    A lump sum payment.

    A guaranteed annuity payments over a number of years.

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