Life Assurance Retirement

J. Debrincat Limited has been a trusted name in the insurance field for many years. It is a licenced Tied Insurance Intermediary for Life Assurance and Retirement Planning Product.

At our head office in Victoria Gozo. We provide a round the clock service for any of the following covers, we with your approval provide home or business visits:


  • Retirement

MSver 50’s Plan



The MSV Retirement Plan is a flexible medium to long term Savings Plan that has been specifically designed with retirement in mind. The Plan offers complete independence, control and flexibility over one’s investment. 


The MSV Retirement Plan is particularly suitable for:


  • self-employed persons
  • professionals
  • individual employees or groups of employees
  • employers 

Our plan offers you the possibility of choosing how much you would like to save, where you want your money to be invested and at what age you want to take the benefits. Furthermore our Plan gives you the freedom and flexibility to increase or decrease your savings at any time or even to stop and restart your savings in the future when individual circumstances change. You can choose to invest in a wide range of investment funds as well as in the MSV With Profits Fund which offers smoothed investment returns over time.

Benefits are payable at the selected retirement age, or on earlier death, and can be taken as a lump sum or with the option to receive benefits as a regular income.



The MSV Retirement Plan

Starting to save early makes all the difference.


You may think that you can afford to delay saving for your retirement for a few years, but you cannot. The longer you postpone, the more you will have to pay. In order to build up the funds that you may need, you have to start saving as soon as possible.


The MSV Retirement Plan at a glance


Type of Plan A long term regular savings plan offering you a choice of unit-linked funds and/or participation in the MSV With-Profits fund.
Minimum Premiums Annually - €480 Half-Yearly - €240
Quarterly - €120 Monthly - €40
Age at Entry Minimum 18 years, maximum 65 years
Additional Top-Ups Minimum €500. Number of Top-Ups unlimited and subject to an allocation charge.
Applicant Single or joint
Additional Benefits (optional) Waiver of Premium
Funeral Expenses Benefit A partial pre-payment of the Death Benefit subject to a maximum of €2,500
Minimum Term 10 years
Investment Choice
  • A selection of Fidelity International JPMorgan and Valletta Fund Management funds.
  • Up to 50% allocation in the MSV With-Profits Fund.
Switches 2 free switches per calendar year
Life Cover (optional)
  • Level Term rider
  • Decreasing Term rider
Law Policy shall be construed in accordance with the Laws of Malta.




Life Assurance Quote

Policies are tailor-made for your requirements.

MSV Life p.l.c. Unit-Linked Polices are linked to selected  Fidelity Funds and  La Valletta Funds.

MSV Life p.l.c. is licensed by the Malta Financial Services Authority to carry on long term business under the Insurance Business Act 1998

J. Debrincat Limited is an enrolled Tied Insurance Intermediary under MSV Life p.l.c. MSV is authorised by Malta Financial Services Authority to carry on Long Term Business under the Insurance Business Act 1998. Both companies are regulated by the MFSA. MFSA Enrollement no C30546


Contact Us!

+356 21553960

+356 99496807


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Monday, December 16, 2019