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Capital
Pay for 5 years. Build for what’s next.
Capital is a life insurance plan offered through Nations Trust Bank and issued by Nations Assurance Limited. You pay premiums for 5 years and build an investment account that grows over the policy term. At maturity, you receive the value of your investment account. In the unfortunate event of death during the term, your beneficiaries receive the higher of the investment account value or the basic sum assured (subject to policy terms).
Inquire NowBenefits
Pay premiums for 5 years, while the policy can run for 10 to 30 years (subject to eligibility).
Life cover included: the death benefit is the higher of the investment account value or the basic sum assured.
Maturity benefit: receive the investment account value at the end of the policy term.
Dividends: a minimum dividend percentage for a specific year is declared at the beginning of each year (as per the insurer’s process).
Flexibility: optional ‘Waiver of Premium Benefit’ may be added, and partial withdrawals are available after the 10th policy year (subject to policy terms).
How to Get Started
Follow the below steps to get started
Choose your premium amount and payment frequency with your Relationship Manager.
Pay premiums for 5 years as scheduled.
Your investment account grows with dividends declared by the insurer (rates can vary by year).
After the 10th policy year, you may request partial withdrawals if you need liquidity (subject to policy terms).
At maturity, you receive the investment account value. If a claim event occurs during the term, benefits are paid according to the policy.
FAQs
- Monthly: LKR 5,000
- Quarterly: LKR 13,000
- Half-yearly: LKR 24,000
- Annually: LKR 40,000
- Customers who want disciplined savings with insurance protection.
- Those planning for long-term goals such as education, a home, or retirement.
- Anyone who prefers a defined premium-paying period (5 years) rather than paying for the entire policy term.
- NIC / Passport
- Basic personal details and beneficiary details
- Any insurer-required declarations and supporting documents (if applicable)
No. Premium payments are completed in 5 years. The policy term can be between 10 and 30 years, subject to eligibility and insurer terms.
At maturity, the investment account value is paid as the maturity benefit, subject to policy terms.
Yes. In the event of death during the policy term, the benefit payable is the higher of the investment account value or the basic sum assured (as stated in the policy).
Partial withdrawals are available after the 10th policy year, subject to policy terms and conditions.
Dividends and future values can vary. You can request a personalised illustration to understand how different dividend assumptions may impact outcomes.
Inquire Now
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