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Jan 2014 Insurer Hayett has developed Hayett life insurance policy called Sanad. With this formula, the underwriter may create saving for retirement or mitigate a decline of his income. Monthly, quarterly or annual payments provide availability of savings at any time as a down payment or partial or total surrender.
During retirement, possible from 50 years, the accumulated capital or annuity is served to the discretion of the insured. Other options providing benefits in case of death or disability are also available. Finally, the insured receives tax benefits and a guaranteed minimum return.