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Cumulative life insurance

with USD indexation and profit sharing

FortePremier Life Partner

Rate of return up to 3.43%

Cumulative life insurance (CLS)

A financial instrument that is one of the classic life insurance products. It combines the possibilities of insurance protection, targeted savings with investment income and decent payouts.









Provide insurance coverage against the consequences of accidents and illnesses









Create savings with investment income for various purposes











Guarantee a worthy provision in old age

Basic conditions of insurance

Index to $

High rate of return up to 3.43%

Participation in the company's profit

Term of insurance

3, 5, 7, 10, 15 years

Age of the insured

from 18 to 65 years old

One-time payment

from $1 000 and up

Policy currency

KZT to USD equivalent

Comparison of endowment life insurance with a bank deposit

Bank deposit



  • Deposit term
    5 years
  • Contribution amount
    100 000$
  • Deposit amount with %
    105 100$
  • Interest charges
    5 100$
  • Annual effective rate
    1%

Cumulative life insurance



  • Term of insurance
    5 years
  • Insurance premium
    100 000$
  • Sum insured
    116 220$
  • Investment income
    16 220$
  • Guaranteed rate of return
    3,05%

Endowment insurance vs other financial instruments

Satty omir

  • 1
    High annual rate of return in US dollars up to 3.43%
  • 2
    Income is fixed for the entire insurance period;
  • 3
    Participation in the profit of the company (from the 3rd year of insurance);
  • 4
    Guaranteed saving savings;
  • 5
    A possible loan of up to 70% of the purchase amount at a low rate;
  • 6
    Ability to terminate the insurance contract early;
  • 7
    Insurance payments and redemption amounts are not subject to taxation;
  • 8
    Insurance premiums are excluded from taxable income up to 320 times the monthly calculation rate;
  • 9
    The beneficiary is appointed by you;
  • 10
    The policy is not included in the list of claimed property and is subject to declaration;
  • 11
    Insurance protection for the whole world;
  • 12
    Personal escort.

Bank deposit:

  • 1
    The rate on deposits in foreign currency is not more than 1%;
  • 2
    The rate may be revised;
  • 3
    The amount of the deposit may be confiscated by a court decision;
  • 4
    When terminating the deposit, fines are provided;
  • 5
    The deposit is divided in case of a property dispute.

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