Savings Solutions Guaranteed Savings Solutions


Guaranteed Solutions to secure your future

Be it planning for your children's education or your own retirement, our capital guaranteed savings solutions through ADCB will help you achieve your future financial goals.

50 USD
Minimum Monthly premium
10,000 USD
Minimum Lump Sum Amount
3.75% Up to
Guaranteed Gross Return Rate p.a.

Keep in mind

  • Early surrender will result in receiving much lower value than initially paid. Non-payment beyond grace period would result in plan termination. To avoid termination, please consult your Relationship Manager should you want to reschedule your premium payments.
  • Please refer to the insurance provider’s terms and conditions before purchasing a policy.
Key Features and Benefits

  • Capital and rate guaranteed solutions
  • Portable plans wherever you relocate
  • Offers annuity/ flexible payouts for retirement and other financial goals such as planning for your child’s education or buying your dream home
  • Flexible premium payment modes in regular and lump sum frequencies

Retirement Savings Scenarios

Scenario 1: You are 45 and you have subscribed to a guaranteed regular savings plan by selecting a retirement age of 50. You would need to make a contribution of USD 33,448 per annum for a period of three years. At age 50, you will receive a guaranteed corpus of USD 115,093.

Scenario 2: You are 45 and you would like to make a one-time lump sum contribution to achieve your retirement goals. Your lump sum contribution amount would be USD 100,221 and you will receive a guaranteed corpus of USD 109,000 at the end of the third year (i.e. at maturity).

Source: Life Insurance Corporation International (LICI)


Guaranteed Regular Savings Solutions; for every AED 1,000 of APE*, 750 Touchpoints will be awarded.

Guaranteed Lump sum Savings Solutions; for every AED 1,000 of contribution amount, 250 Touchpoints will be awarded.

Touchpoints are capped at 400,000 per customer.

Terms and Conditions apply. For further details, please click here

*Annualized Premium Equivalent

Disclaimer & Terms and Conditions

Insurance Products are made available to you based on your need analysis and request. Insurance products are underwritten by respective insurance providers and issued subject to their terms and conditions. Abu Dhabi Commercial Bank (The Bank) does not offer insurance advice, nor does it manage, underwrite or issue insurance policies.

The Bank is not responsible for rejected applications or claims by any insurance company. Premiums received by the Bank for insurance plans are not bank deposits. Investment products are not bank deposits and are not guaranteed by the Bank. They are subject to investment risks, including possible loss of principle amount invested. Past performance does not guarantee future results. Please refer to the bank’s Wealth Services Terms & Conditions

This website is for information purposes only and does not constitute an offer or solicitation to purchase investment products.

Our partners

Enjoy a world-class customer experience when you bank with us.

In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.
Enter Valid Customer Id
Enter Valid Name
Enter Valid Email
Enter a valid number (hint: it starts with ‘5’)
Select your emirate
Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain
Please fill the captcha

Other ways to apply

Contact centre

Contact centre

Call our 24-hour contact centre on 600 50 2030.

Apply through SMS

Apply through SMS

SMS 'PLAN' to 2626 from your registered mobile number.

Visit us

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you

Branches & ATMs