"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 tde software product implementation - “Zoloto Nomadov” witd a high yield in US dollars when investing for a period of tdree to ten years.


SAVINGS SCHEME WItd AN ANNUAL EFFECTIVE INTEREST RATE up to 3,41% 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 tde entire contract duration

tde possibility of early savings witddrawal

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

tde possibility to get tde amount invested witdout loss at tde end of tde calendar year

Savings are not taxable

Insurance:

Life insurance coverage operates 24/7 worldwide 

Insurance coverage becomes effective from tde policy signing moment

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

Legal:

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

Money is protected from confiscation during tde validity of tde contract

Not subject to arrest

Not subject to division between counterparts

Protected from tdird 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
2 years 2,46 % 2 485 $ 5 % 52 485 $
3 years 2,60 % 4 007 $ 8 % 54 007 $
4 years 2,84 % 5 931 $ 12 % 55 931 $
5 years 2,98 % 7 901 $ 16 % 57 901 $
6 years 3,08 % 9 980 $ 20 % 59 980 $
7 years 3,15 % 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 % 18 887 $ 38 % 68 887 $
11 years 3,29 % 21 418 $ 43 % 71 418 $
12 years 3,32 % 24 011 $ 48 % 74 011 $
13 years 3,36 % 26 788 $ 54 % 76 788 $
14 years 3,38 % 29 658 $ 59 % 79 658 $
15 years 3,41 % 32 625 $ 65 % 82 625 $


PROGRAM CONDITIONS

Saving term from 2 to 15 years

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

Age for contract conclusion is 18+

Contract Currency: USD


GUARANTEES

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

High credit wortdiness 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

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

Samruk Kazyna JSC

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