Looking for an easy, cost-effective way to provide retirement benefits for your employees? The ICEA LION Guaranteed Umbrella Fund is here to help. It’s a collective scheme where employers come together to offer their employees retirement, death benefits, and more while enjoying the benefits of a large, pooled fund. Whether you choose a Provident Fund (a lump sum payment at retirement) or a Pension Fund (monthly income after retirement), we’ll guide you through it.

How To Join

Explainer Video

Guaranteed Returns

By pooling funds with other employers, your team enjoys lower costs, which means consistent and above market average guaranteed returns on investment.

Smart, Diverse Investments

The contributions are invested across various assets, helping reduce risk and increase long-term growth.

Peace of Mind

The funds are in the hands of trusted retirement experts — fully regulated and focused on delivering value. We absorb all the investment risks, meaning you can never earn a negative