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The Sahulat Plan is a premier Shariah-compliant investment and protection solution designed to provide participants with "the best investment facilities along with comprehensive protection". Catering to individuals between the ages of 18 and 65, the plan offers long-term financial security with flexible terms ranging from 10 to 40 years, or up to an age limit of 75. It is specifically structured for growth-oriented individuals, offering a minimum annual contribution of PKR 12,500 with flexible monthly, quarterly, or semi-annual payment options starting at PKR 7,500. The Sahulat Plan distinguishes itself through a robust Investment Benefits framework, including a "Special Loyalty Reward" and significant bonus allocations to the Participant’s Investment Account (PIA) at key milestones. Upon the participant's demise, the plan ensures a substantial Special Death Benefit consisting of the total sum covered plus the accumulated cash value and surplus for the PTF. By combining high-value loyalty rewards with flexible liquidity through partial withdrawals and annuity options, the Sahulat Plan serves as a powerful vehicle for building a sustainable financial legacy.
Participants can tailor their Participant’s Investment Account (PIA) by selecting a desired percentage allocation across Aggressive, Money Market, Income, or Balanced funds.
Starting from the 10th year, an additional 5% of the PIA Values is awarded as Special Loyalty Reward, credited to the PIA as a reward for punctual contributions and long-term commitment.
The plan provides substantial value additions to the PIA at specific milestones: 5% at years 10 and 15; 6% at years 20 and 25; 7% at years 30 and 35; and 7.5% at year 40.
Offers the option for partial withdrawals from the investment's cash value during the plan term without any interest or penalties, ensuring funds are available for immediate needs.
Upon maturity, participants have the option to convert their accumulated cash value into a yearly annuity, providing a pension-like steady stream of income for up to 20 additional years.
In the event of the member's death, beneficiaries receive the 100% Sum Covered from the Participants' Takaful Fund (PTF) plus the total value of units in the PIA and any applicable surplus.
Participants can increase their investment through Top-Up payments, allowing extra savings to be funneled directly into the PIA for accelerated growth.
Open to a wide age bracket (18–65 years) with flexible plan durations between 10 and 30 years to align with various life stages and financial goals.
What does “guaranteed acceptance” mean?
Can I change my contribution later?
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Are there surrender charges?
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