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"Nomad's Gold"

Nomad's Gold


Joint project of VTB Bank (Kazakhstan) and life insurance company «Nomad Life»
"Zoloto Nomadov"

VTB Bank (Kazakhstan) acted as a life insurance company’s partner «Nomad Life» in the software product implementation - “Zoloto Nomadov” with a high yield in US dollars when investing for a period of three to ten years.


SAVINGS SCHEME WITH AN ANNUAL EFFECTIVE INTEREST RATE up to 3,26% per annum IN FOREIGN CURRENCY

ZOLOTO NOMADOV

  • Savings guaranteed by a fixed term
  • Life insurance coverage
  • Legal privileges


ADVANTAGES

Financial:

High rate of return for the entire contract duration

The possibility of early savings withdrawal

The possibility to get a loan in tenge at a low rate on security of the policy on the second day of the insurance contract/up to 80% of redemption amount

The possibility to get the amount invested without loss at the end of the calendar year

Savings are not taxable

Insurance:

Life insurance coverage operates 24/7 worldwide 

Insurance coverage becomes effective from the policy signing moment

Insurance payment is made to a person specified in the contract within 10 days. Inheritance rights are not required

Legal:

Information about the size of the accumulated funds and deposits made as well as other contract terms are not subject to publicity

Money is protected from confiscation during the validity of the contract

Not subject to arrest

Not subject to division between counterparts

Protected from third party claims in property dispute

Beneficiaries and payment terms of savings are appointed by you only


POLICY BENEFITS
50 000 $

Insurance term Annual effective rate Return on investment Yield Insurance coverage
3 years 2,3 % 3 524 $ 7 % 53 524 $
4 years 2,6 % 5 400 $ 11 % 55 400 $
5 years 2,8 % 7 393 $ 15 % 57 393 $
6 years 3,0 % 9 659 $ 19 % 59 659 $
7 years 3,14 % 12 113 $ 24 % 62 113 $
8 years 3,19 % 14 293 $ 29 % 64 293 $
9 years 3,22 % 16 525 $ 33 % 66 525 $
10 years 3,26 % 18 805 $ 38 % 68 805 $


PROGRAM CONDITIONS

Saving term from 3 to 10 years

Minimum deposit from $1000 *, paid in a lump sum

Age for contract conclusion is 18+

Contract Currency: USD


GUARANTEES

Leader in the life insurance industry in assets, profits, insurance payments and formed insurance reserves (According to the NBK as of 01.01.2018)

High credit worthiness rating at level BB- on scale by A.M. Best International Rating Agency

Zoloto Nomadov agreements are reinsured by "Hannover Re", a global reinsurance market leader.

Over 800,000 insured clients

The only company in the industry included to the list of bona fide and reliable suppliers of

Samruk Kazyna JSC

More information about the program is available on the website www.zolotonomadov.kz

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