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Pillar 02: Insurance Policy Investment (Maturity Focused)

This component of the Safety Pillar is structured as a mid-term investment, with the explicit goal of maximizing the return and accumulated fund value upon policy maturity, rather than focusing on claim coverage (e.g., hospital/damage claims).

8% - 13% Annual Dividend Returns Expected at Maturity

Detailed Policy Portfolio

Policy 01: Fast Maturity Plan

Union Assurance

This plan was restructured to focus on maximum gain within the shortest period.

  • Total Maturity Period: 10 Years
  • Payment Period: 5 Annual Payments (Pay in 5, Mature in 10)
  • Premium Structure (Restructured):
    • 1st Premium: LKR 1,131,030 (Paid)
    • Premiums 2-5: LKR 150,050 (Annually)
  • Status: Premiums 1 & 2 Paid. 3 Premiums Remaining.

Policy 02: Medium-Term Monthly Plan

Union Assurance

A plan designed with convenient monthly payments over five years for a 15-year payout.

  • Total Maturity Period: 15 Years
  • Payment Period: 60 Monthly Premiums (5 Years)
  • Monthly Premium: LKR 50,000
  • Status: 56 Premiums Paid. 4 Premiums Remaining.

Policy 03: Long-Term Growth Plan

Ceylinco Life Insurance

The longest-term policy, offering maximum compounding potential over two decades.

  • Total Maturity Period: 20 Years
  • Payment Period: 60 Monthly Premiums (5 Years)
  • Monthly Premium: LKR 50,700
  • Status: 16 Premiums Paid. 44 Premiums Remaining.

Policy 04: Short-Term High Yield Plan

HNB Assurance

A strategic plan focused on rapid maturity with a 5-year premium commitment and a 7-year total term.

  • Total Maturity Period: 7 Years
  • Payment Period: 60 Monthly Premiums (5 Years)
  • Monthly Premium: LKR 50,000
  • Status: 1 Premium Paid. 59 Premiums Remaining.

Investment Objective: These policies are classified as a Medium-Term Investment under the Safety Pillar due to their guaranteed returns and low risk upon maturity, providing financial security for planned future needs.

ඔබගේ ජීවිත රක්ෂණ අවශ්‍යතා සඳහා මා අමතන්න

මම රක්ෂණ නියෝජිතයෙකු ලෙස කටයුතු කරන බැවින්, ඔබේ පුද්ගලික හා මූල්‍ය අරමුණු සඳහා ගැලපෙන ඕනෑම ජීවිත රක්ෂණ අවශ්‍යතාවක් වෙනුවෙන් උපදෙස් ලබාදීමට මම සූදානම්.

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