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Pension Schemes

Al-Sanad program is a group retirement plan with a small element of life and disability insurance. Part of the premium covers the cost of the insurance segment of the policy. The rest (the larger part) is to cover the pure investment segment of the policy and thus contribute toward the investment retirement amount.


Furthermore, this plan is characterized by another benefit not available in other pension plans. The plan makes it possible for the insured employee who quits his work to get a refund in partial or total of the accumulated premiums and their dividends (the investment fund).


Upon retirement of the insured employee, the pension sum will be paid to the insured upon his/ her choice as:

  • One payment, or
  • Annual pension salary for ten years, or
  • Annual pension salary for life time.