Hifz Ul Maal Takaful Plan
Investment Linked Takaful Product
Hifz Ul Maal Takaful Plan is a plan which helps you achieve your goals, be it Savings or Protection in the grandest way possible. A plan which helps you achieve your dreams like no other Takaful Plan can. The plan is tailored for individuals who want to grow their investment with stable, promising returns and prefer Shariah-compliant investment.
Core Benefits
Unlock financial security and peace of mind through a host of benefits
Steady monthly income
through online withdrawals
Avail benefits
by contributing as low as PKR 50,000/-
Top-up your investment
as low as PKR 1,000/- or higher with no limit
100% Investment
of Contribution
Complimentary Takaful Benefit
in case of Natural and Accidental death from Waqf Pool
Seamless Digital
onboarding
Instant Withdrawal
Facility
Capital Protection
of your investment
Value Added Discounts
Protecting every chapter of your life
40% Discount
on Family Sehat (Individual Hospitalization Takaful)
25% Discount
on Ashiyana (Home Takaful)
Discounted
Rate on Motor Takaful
Takaful Benefit
Natural Death
Upto PKR 25 million or 5-multiple of the last 6 months’ average cash value, whichever is lower.
Accidental Death
Upto PKR 50 million or 10-multiple of the last 6 months’ average cash value, whichever is lower.
A Simple Example
A Simple Example
Mr. Abdur Rehman, age 40, is a working professional who has invested PKR 50,000 as a single contribution along with PKR 100,000 (additional investment) as a Top-up.
| Assumed Parameters | |
|---|---|
| Age | 40 years |
| Membership Term | 10 years |
| Single Contribution | PKR 50,000 |
| Top-up | PKR 100,000 |
| Growth Rate | Without Top-up | With Top-up | ||
|---|---|---|---|---|
| Cash Value | Death Benefit | Cash Value | Death Benefit | |
| 9% | 79,621 | 392,206 | 239,014 | 1,180,112 |
| 13% | 114,637 | 563,282 | 343,910 | 1,688,845 |
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The growth rates mentioned in the table above are before deduction of the Investment Management Fees. These fees have been deducted from the growth rate prior to determining the Cash Value in the table above.
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Payment of contribution in cash is not allowed.
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If the Participant cancels within 14 days through a written request, the contribution will be returned after deducting medical expenses, if any.
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Notes
- The mentioned benefits, allocations, Takaful benefits, value-added benefits, and charges will vary based on Plan Variant Selection, and terms and conditions will apply.
- Returns are subject to the State Bank of Pakistan (SBP) Policy Rate and an approximate indicative return of KIBOR minus 3%.
- Payment of the contribution in cash is not allowed.
- The Participant, on submission of a written request, may cancel the Membership within 14 days of issuance of the Membership if he or she is not satisfied with any terms and conditions of the Plan.
- Terms and Conditions apply