Safeguard your financial security.
About Imarika Gold
Are you looking to invest in a plan that provides a safety net for your savings deposits? Imarika Gold is designed to give you great returns for your hard-earned cash. It is a goal driven, investment-linked savings plan that offers you superior returns, free life insurance cover and flexibility.
Why invest in Imarika Gold?
- Competitive returns – Enjoy returns of 8 – 12% per annum (p.a.) on your investment. In the event of poor market performance, Imarika has a guaranteed return of 5% p.a. on maturity.
- Tax relief – If you opt for a long-term investment of 10 years and above, you get to enjoy a tax relief of 15% of your contribution(s) subject to a maximum amount of Kes. 60,000 p.a.
- Partial and full withdrawals – The minimum investment period is 5 years, but you can access some or all your funds after 2 years (24 months) at no cost.
- Free life insurance – Enjoy free life insurance cover of Kes. 50,000.
- Flexibility – You can adjust your contributions based on your financial ability. You also get to enjoy premium holidays with no penalties.
- Transparency – You will receive monthly statements via your email address and fund balance updates via your mobile phone.
Requirements for Signing Up
- Should be between 75 – 85 years of age at sign-up
- Have a valid national ID and KRA PIN
- A mobile number registered in your name
- A valid e-mail address
- Minimum single premium deposit of Kes 1 million
NB: For deposits of Kes 2 million and above, you shall be required to complete a declaration of source of funds form.
Modes of Payment for New Customers
- Bankers or personal cheque written in favour of \”Britam\”
- RTGS/EFT/Bank transfer
- Direct debit from your bank account
Modes of Payment/Top Up for Existing Customers
- My Britam portal
- My Britam app
- Bankers or personal cheque written in favour of \”Britam\”
- RTGS/EFT/Bank transfer
- Direct debit from your bank account
- Debit, credit or pre-paid card
Imarika Investment Fund Charges
Imarika Gold has a 0.21% monthly management fee charged on the fund value of your investment to professionally manage the fund on your behalf. This is to ensure that you get maximum returns on your investment.
Early Exit Charges
Should you choose to withdraw your funds before 24 months, the following charges apply:
| Period | Charge on amount withdrawn |
| Month 1 to 12 | 10% |
| Month 13 to 24 | 5% |
| 25 months and beyond | No charge |
How to Sign Up
Complete an application form and attach the required documents. For further guidance or more information about Imarika Investment Plan, speak to your Britam financial advisor
Gallin Wekesa: 0712 870 447 galllywexa@gmail.com gwwekesa@britam.com
Frequently Asked Questions
1. How can I top-up my account?
You can make a top-up of any amount at any time you choose through any of the payment methods provided. Ensure that you quote your investment policy number when topping up for easier processing.
2. Is the 0.21% charged on principal or interest?
This is calculated on the total funds we are managing. For transparency, the amount charged is indicated on your monthly statements.
3. What is the maximum investment period?
15 years. However, maximum age on cover is 90 years (an 85-year-old can only invest for a maximum of 5 years)
4. Can a company invest its money in Imarika Gold?
No. Only individuals are eligible because of the life insurance feature of the product.
To SIGN UP, CONTACT
Gallin Wekesa:
0712 870 447
galllywexa@gmail.com gwwekesa@britam.com