Retirement Savings Plan

For your retirement, you wish to acquire a residence, renovate your home, travel on a vacation or simply have a decent living while protecting your beloved ones.

Banque Libano-Française provides you with the adequate solution to all your concerns.

The Retirement Savings Plan is designed to prepare your golden age while taking advantage of a life insurance coverage.
The Retirement Savings Plan in brief
  • one or several of your relatives.
Period of contract
  • minimum 4 years
  • maximum: until the insured reaches the age of 75
  • currency: USD or LBP
  • regular: you can choose the frequency of payments that suits you best: monthly, quarterly, bi-annually or annually
  • constant or progressive according to the annual indexation rate of your choice
  • minimum amount: USD 25/month or LBP 50,000/month, USD 300/year or LBP 600,000/year
  • additional payments are possible at any time (minimum USD 100 or LBP 500,000)
  • total surrender of the total amount saved at any time with termination of the contract. No penalties are applicable on total surrender starting from the fourth year
  • partial surrender of up to 90% of the amount saved, possible at the fourth year without penalties
Return on savings
  • annual rate of return
  • death or total permanent disability (natural or accidental causes)
  • death or total permanent disability caused by passive war (optional)
The Retirement Savings Plan is issued by Bancassurance SAL, a life insurance company affiliated to Banque Libano-Française and Crédit Agricole (France).

Bancassurance is a joint stock company established under the Code of Insurance with a paid-in capital of LBP 4.5 billion. CR no 75 309, Beirut.
  • build up a capital progressively, at your own pace: you decide from the beginning the amount and frequency of your payments. The payments are automatically debited from your account to feed your saving amount
  • insure the future of your beloved ones
  • profit from an interesting remuneration: your savings plan will benefit from a very attractive annual rate of return thanks to the financial expertise of our specialists
  • benefit from a flexible plan: it allows you, at any time, to modify the guaranteed capital, the amount and frequency of payments as well as the period of the contract. You are able to stop temporarily the pre-planned payments without losing any of your acquired advantages, or you can make additional payments if you have an unexpected income
  • dispose of your savings: you can withdraw the totality or part of your savings amount without any penalties starting the fourth year, if needed
  • choose a suitable solution at maturity: at the maturity of your contract you can choose to collect the accumulated invested amount either in one payment, in annual payments spread over 10 years or in lifetime yearly payments
  • protect your family with the immediate payment of the insured amount in case of death: in case of disability, you will be the beneficiary of the insured amount

Disclaimer: All information contained on this website is provided for general information purposes only. It does not constitute in any manner a solicitation, offer or recommendation to enter into any transaction or operation with respect to relevant products or services, and does not bind nor engage Banque Libano-Française in any agreement nor commitment of whatsoever nature nor imply the Bank in any obligation to activate or launch any of the products and or services provided in this website.
The information included herein does not constitute in any way legal, financial or investment advice and cannot constitute ground for any decision.
Banque Libano-Française reserves the right to change, amend and update the products and services as well as the terms and conditions provided in this website at any time, and therefore Banque Libano-Française shall not be held liable for any direct or indirect, incidental or consequential damages or losses resulting from use of the information contained herein.
Any information on the products and/or services of Banque Libano-Française shall be obtained from Banque Libano-Française branches only in order to get the applicable terms and conditions related thereto.


The Retirement Savings Plan is issued by Bancassurance S.A.L. (CRB: 75 309, Beirut), a life insurance company affiliated to Banque Libano-Française. Bancassurance S.A.L. is a joint stock company established under the Code of Insurance with a paid-in capital of LBP 4.5 billion.

The Company’s investments are in compliance with the requirements of the decree no. 1205/1978 amended by the decree no.2441/2009 (implementation of the decree no. 9812/1968 governing insurance companies); the issuer and the guarantor being Bancassurance S.A.L., and the paying agent being the Bank.

The contract shall become automatically effective following the review of the insurance request and its acceptance, and provided that Bancassurance S.A.L. issues the particular conditions.

The Capital Markets Authority of Lebanon has not passed upon or takes no responsibility for the information contained in the abovementioned documents or for the merits of investing in this product.

All death claims under these contracts are subject to inheritance tax payable by the designated beneficiary(ies).
Capital 4,500,000,000 Lebanese Pounds
CRB 75 309, Beirut
Insurance company registered in the Insurance Companies Register
under no. 241 as per Ministerial Order no. 25/1/AT dated 20/01/2000
amended by Ministerial Order No. 222/1/AT dated 22/04/2000 and subject to legislative decree no. 9812 dated 04/05/1968
Tax Number: 194626
Semiramis Building, 4th floor
Weygand Street, Bab Idriss, Downtown, P.O. Box: 11 6729, Beirut, Lebanon
Phone and fax: 961 1 960100