Istithmar Program


This investment program is one of the best solutions to minimising risk when you do not have enough time to pursue your diverse investments in financial markets.

Minimum Age at Entry


Maximum Age at Entry


Maximum Age at Maturity


Minimum Term (Years)


Maximum Term (Years)



Minimum Paid Capital 

SAR 30,000 

Basic Death Benefit

The sum covered along with the balance in the policyholders’ investment account

Amount of benefit in the maturity date

Equal to the balance of the policyholders’ investment account.

Sum Covered for Death Benefit

10% of premium, minimum SAR 15,000 and maximum SAR 250,000.

Additional Benefits


*Investment Strategies Option

· Growth Oriented -   
· Balanced Portfolio 
· Protection Oriented 

(*) There are Three choices of investment strategies  :

1.    Growth oriented strategy (GOS): This is a high risk strategy and mainly focuse on risky but high yielding funds, with possibley significant exposure to the equity market.
2.    Balanced portfolio strategy (BPS): This is a medium risk strategy and is be a mixture of defensive and aggressive strategies.
3.    Protection oriented strategy (POS): This is a low risk strategy and is a defensive strategy with the bulk of the investment in secure low-yielding funds.
•    An investment charge is applied as a percentage of the balance in the policyholders' investment account.
•    The unit prices quoted to the policyholder are always a net amount of the investment management charge.

Investment strategies are managed by the Alinma Investment Company, through a private agreement for the management of investment funds allocated to it. For additional information about the Alinma Investment Company, please visit their website