To consider the future with serenity, guarantee your financial security as well as that of your loved ones, or plan long term projects, AXA MIDDLE EAST created VIVA: a life insurance policy which enables you to constitute savings or, in case of death, let the person(s) of your choice benefit from the payment of a guaranteed capital.

VIVA Guarantees

With VIVA, in case the insured is still alive at the expiry of the insurance policy:

You dispose of your savings in one payment or you may choose any other payment method AXA MIDDLE EAST will be able to propose to you at this date: life annuity, guaranteed annuity, etc.

With VIVA, in case of death of the insured before the expiry of the insurance policy:

AXA MIDDLE EAST pays the minimum guaranteed capital to the beneficiary of your choice. In case the accumulated savings at this date exceed the minimum guaranteed capital, the beneficiaries of your choice will dispose of this amount.

VIVA Advantages

The freedom to choose the minimum guaranteed capital

When you take out your insurance policy you are free to determine the minimum guaranteed capital according to your needs.

The freedom to save money at your rhythm

When you take out your insurance policy, you are free to determine the amount of the installments as well as their frequency according to your projects and possibilities.

The freedom to determine a personal objective

Tailor made solutions will be proposed to you in order to achieve your savings objectives.

The freedom to choose the investment supports, which best meets your profile

According to your profile we are able to propose one of the largest diversified investment supports available in the market.

The freedom to change orientation

With time, your situation and priorities may change. Whatever your choices, you will always have the possibility to modify your profile off of running your business or investment supports.

The freedom to dispose of your savings if need be

Solutions allow you to dispose of your savings before the maturity date in total flexibility, in particular, thanks to a total or partial surrender.

The freedom to constitute savings in different currencies

When you take out your insurance policy, you are free to determine the reference currency of your insurance policy:.

The option to increase wealth by Ad Hoc payments

You may deposit additional premium amounts on your basic policy in order to further boost savings and investments.

The option to apply yearly increase on premium

In order to cater for inflation, you may choose to increase your yearly premium by a pre-fixed rate of your choice.

VIVA Assets

Whatever the amount of your contributions, AXA MIDDLE EAST allows you to constitute savings which best meet your needs by selecting among the following:

Unit linked products managed with the knowhow of AXA Investment Managers (AXA IM) professionals. In this case, Viva offers you the choice among a selection of performing funds. These products answer your most specific needs and allow you to constitute savings according to your personal objectives and your profile as an investor in the industry, region and financial instruments of your choice.

As to the Guaranteed Return Fund, Placements with a 4.5% minimum guaranteed rate over 3 years, revisable every year afterward, and guaranteed not to go below LIBOR + 1 % for the life of the contract (up to age 75).

A combination of your choice of unit linked products and products with a minimum guaranteed rate.

VIVA Contingency Protection

The comprehensive life insurance (accident and illness) is VIVA’s main coverage.

Moreover, VIVA offers you the possibility to purchase additional covers:

• Education annuity

• Accidental death benefit

• Total and permanent disability

• Partial and permanent disability

• Dread diseases

• Passive war risks

• Waiver of premium in case of total and permanent disablement

• Waiver of premium in case of dread diseases