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The Saada Takaful Plan is a dedicated Pure Term Takaful solution designed exclusively to provide robust financial protection to beneficiaries in the event of the participant's death. Engineered for maximum accessibility and simplicity, the plan is available through both manual illustrations and modern digital channels. It caters to a wide demographic, accepting participants between the ages of 18 and 60, with coverage terms ranging from a minimum of 5 years to a maximum of 24 years (extending up to age 65). Unlike unit-linked investment plans, Saada Takaful is a non-investment-oriented protection tool, ensuring that the entirety of the participant's contribution is focused on risk mitigation. With a highly affordable entry point of just PKR 1,000 per year, this plan serves as an essential safety net for individuals seeking high-value death benefits without the complexity of an investment component.
A specialized term plan focused entirely on providing a guaranteed Sum Covered to ensure financial security for the family in case of the participant's demise.
Open to individuals aged 18 to 60, providing critical coverage during their most productive years.
Participants can select a protection term between 5 and 24 years, with the plan remaining active up to a maximum age of 65.
Designed for mass-market inclusion with a minimum annual contribution of only PKR 1,000, with no defined upper limit on contributions.
Can be conveniently acquired through traditional manual illustrations or via streamlined digital channels.
Features a 30-day initial waiting period during which the Sum Covered is applicable only for accidental death; following this period, full coverage for death due to any cause is activated.
As a pure term plan, it does not include a Participant's Investment Account (PIA) or unit-linked component. Upon maturity, the client receives the accumulated surplus from the Waqf fund, if available.
By removing the investment element, the plan ensures that contributions are efficiently utilized for mutual protection within the Takaful pool.
What does “guaranteed acceptance” mean?
Can I change my contribution later?
How is my savings value determined?
Are there surrender charges?
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