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Starting a Family

/Starting a Family

Banking

Banking Products To Consider
Flex Personal Account

Description
A Current Account product designed to enable individuals perform business using cheques. With this product a customer does not have to carry huge sums of cash everywhere to transact business.

This is a Current Account designed to enable individuals perform banking transactions using cheques and also earn interest on the account.

Unique Features;
– Interest is paid on balances of Two Hundred Cedis (GHS200) and above
– Clients receive monthly Statement
– Free advisory services

We also offer;
-SMS alert services
-Field cash collection services

Basic Requirements

• Valid National ID Card
• Proof of Residential Address… e.g. tenancy agreement/utility bills, resident permit
• 2 passport pictures

Babe Account

Description

It is wise to invest for your children. Put some money aside to meet the dire needs of your children in future.

This is a savings product designed to encourage parents and guardians to set aside money gradually towards meeting the future needs of their ward(s). The account will be automatically transferred to the child on attaining the age of eighteen (18). The account attracts a high interest rate per annum with no account maintenance fees.
Withdrawals are also allowed. A minimum amount of GHc5 is required to open this
account.

Basic Requirements
• Valid National ID Card
• Proof of Residential Address… e.g. tenancy agreement / utility bills, resident permit.
• Birth Certificate or Weighing Card of the Ward
• 2 passport pictures

Fixed Term Deposit

This is an upgraded investment package; a short term investment product that enables you to earn more yield than a regular deposit account.

The yield is based on interest rates for fixed tenures of 91, 182 or 365 days. In addition, it can be used as security against borrowing from the Bank. It is good news for borrowers who are not able to raise collateral for credit facilities for both business and personal purposes.

This is a Term Deposit product with premium features. It is a high yielding account which allows Investors to top-up the funds already invested. This is for Priority Fund Investors. Rates are negotiable depending on the amount invested.

Other Features
– Minimum amount of deposit of GHc2,000.
– Clients enjoy free advisory services.
– An Investment Certificate would be issued as security to obtain a loan.
– There are opportunities to top-up on your invested funds.
– Withdrawals are not allowed within the Investment Period.

Pension

Products To Consider
Red Pension Plan

Description
This has the same features as that of Yellow.
• It has a lump sum min contribution of
GHC 200 and monthly regular min of
GHC 10 – 50
• Flexible payments of daily, weekly, or monthly
contributions
• Moderate Aggressive Fund
• The objective is to help people in the
informal sector (micro sector) retire
comfortably with excellent returns.

Target Market
Target Group – People in the informal sector, market
women, less privileged.
Features
• After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid to you
before retirement.
Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
• Lump sum payment or annuity payments
Accepts Rollovers from other schemes
• Earnings grow tax free
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 15+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque
Documentation
Enrollment form, payment form, One (1) passport picture, a
copy of ID, Bank details if it is direct debit, beneficiary and
next of kin information.

Standard Pension Plan

Description
It is a secured 3rd tier voluntary personal pension plan
for widows/Widowers/Divorce in the informal sectors to
contribute towards their pension contributions and save for
short to medium term needs as well.
• It has a lump sum min contribution of
GHC 2,000 and monthly regular min of GHC 250
300
• Flexible payments of daily, weekly, or monthly
contributions
• Moderate Aggressive Fund
• The objective is to help you create wealth with
higher returns for peace of mind and maintain
comfortable lifestyle during retirement.

Target Market
Target Group – Women in decision making, Career women
public and private Sector women workers, self-employed
like doctors, lawyers, etc.), high earned informal sector
women workers.

Features
• Pretax or After tax deduction
• Made up of two(2) accounts:
a) investment/savings account
that allows you to withdraw
for short to medium term
needs after five years of
contribution
b) A retirement account to be paid
when you retire with special
conditions under which
money can be paid to you
before retirement.

Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Lump sum payment or annuity payments
at retirement
• Accepts Rollovers from other schemes
• Earnings grow tax free
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
• Free access to events

Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 18+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque

Documentation
Enrollment form, payment form, One (1) passport picture, a
copy of ID, Bank details if it is direct debit, beneficiary and
next of kin information.

Elite Pension Plan

Description
It is a secured 3rd tier voluntary personal pension plan for widows/Widowers/Divorce in the informal sectors to contribute towards their pension contributions and save for
short to medium term needs as well.
• It has a lump sum min contribution of
GHC 7,000 and monthly regular min of
GHC 400 – 500
• Flexible payments of daily, weekly, or monthly contributions
• Balanced Fund
• The objective is to help you preserve and create wealth with higher returns for peace of mind and
comfort during retirement.
Target Market
Widows, Widowers and Divorcees both here
and abroad
Features
• Pretax or After tax deduction
• Made up of two(2) accounts:
a) investment/savings account that allows you to withdraw for short to medium term needs after five years of contribution
b) A retirement account to be paid when you retire with special
conditions under which money can be paid to you before retirement.

Benefits
• Professionally managed
• Provides income security
• Accessibility to Primary Mortgage
• Access to loans
• Tax advantages
• Life Insurance (Optional)
• Medical Insurance (Optional)
• Quick benefit processing
• SMS alert
• Periodic member statements
• Inflation protector options
• Valued added services like free pension consulting
Accessibility
• All categories of the income class:
a. Regular income
b. Earnings weekly or monthly
c. Age group 18+
• Payment Options
a. Direct debit deductions
b. Payroll deductions
c. Mobile money
d. Cash payments
e. Cheque
Documentation
Enrollment form, payment form, One (1) passport picture,
a copy of ID, Bank details if is direct debit, beneficiary and
next of kin information.

Insurance

Products To Consider
BEIGE Prestige Policy

The Prestige Policy is an investment linked pension plan designed to cater for the pension needs of workers as well as provide enhanced protection during the lifetime of the policyholder. This includes riders which offer protection against critical conditions like cancer.

Benefits include Personal Accident Cover, Critical Illness Cover and Hospital Cash Benefit.

  • This affords the policy holder the cost of expenditure of certain dreaded diseases. Such ailments like cancer, stroke, diabetes, renal failure, major organ transplant etc.
BEIGE Ahoto Policy

BEIGE AHOTɔ PLAN

The BEIGE Ahotɔ Plan is designed for to help raise enough capital for policy holders to grow their business and enjoy insurance protection as well. This is a one (1) year renewable policy.
Premium payment is very flexible. Premiums can be paid daily, weekly, fortnightly or monthly. A daily minimum of GHC2.00 is enough to start with.

Benefits

Surrender/Partial Withdrawal: After the policy has been in force for at least three (3) months, the full cash value becomes available without a surrender charge.

 

Policy Loan:After six (6) months of full premium payments you can access a loan of up to 150% of the invested funds. The security on the loan must be two (2) guarantors who are also policyholders with the Company.

 

Loan duration:The maximum repayment period on the loan would be twelve (12) Calender months.

 

Maturity:When the policy matures then the contract ceases, hence the accumulated fund balance(including accrued interest) is paid to the policyholder.

 

Death:In the sad event of death of the policyholder a sum assured plus accumulated balance(including accrued interest )will be paid to the beneficiary(ies)

Investments

Products Products To Consider
Emergency Fund

Product Coming Soon

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