• A savings plan with a life insurance cover whose sole beneficiary is your child
• You can start saving from the moment your child is born
• You have the option of investing on international capital markets
• Attractive annual rate of return on your local investment**
• Payments can be made on a monthly, quarterly, semi-annual or annual basis. You also have the right to increase or decrease the monthly amount and to boost your savings with exceptional premiums
• You also have the option of adding permanent and total disability coverage

• In case of natural or accidental death: ADIR Insurance will add to your savings an amount equal to the sum of your remaining premiums
• In case of accidental death: an additional USD 10,000 is immediately paid to the legal guardian of your child
• In case of permanent and total disability: cash payment equal to your remaining premiums in addition to your cash value

Karim, age 30, father of Jad (1 year old) and Yasmina (3 years old), subscribed to the plan with a monthly premium of USD 50 for each child. The university starting age is set at 18, with an investment allocation of 75% on the local market and 25% on international markets.Depending on the performance of the investments, the children would receive the following amounts to help defray the costs of university:

Lump sum at age 18
	Low Performance	Medium Performance	High Performance
Jad	USD 13,712	USD 16,054	USD 18,920
Yasmina	USD 11,599	USD 13,304	USD 15,338
Insurance cover: death only

In order to increase the amount set aside for his children's education, Karim increases his monthly premiums by 3% every year. In this a case, the amounts payable at age 18 increase substantially

	Low Performance	Medium Performance	High Performance
Jad	USD 17,061	USD 19,741	USD 22,998
Yasmina	USD 14,073	USD 15,995	USD 18,275
Insurance cover: death only

• Efficient Service: the contract is delivered immediately at the branch and the coverage of the plan starts from the moment you sign the contract.
• Nationwide presence: all Bancassurance products can be subscribed to at any of Byblos Bank's dozens of branches across Lebanon.
• Convenience: no need to go to the branch once your contract is signed because your premiums are automatically debited from your account.
• Versatility: you can choose to place your investment in either local or international capital markets.