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The sehal Plan is a strategic mid-term Family Takaful solution designed to bridge the gap between financial protection and medium-range investment goals. Engineered for individuals seeking a more concentrated commitment period, the plan features a strictly limited contribution term of only 5 years, while providing a flexible protection horizon ranging from 5 to 30 years (capped at age 60). It is accessible to participants between the ages of 18 and 55, offering a robust entry point for those focused on accelerated wealth accumulation. With a minimum annual contribution of PKR 50,000, the plan is optimized for high-value growth, allowing participants to choose their investment allocation across Aggressive, Income, or Balanced funds. The Sehal Plan is uniquely structured to provide peace of mind through an inherent Accidental Death Benefit (ADB) and a "Loyalty Reward" for disciplined savers. Upon maturity, participants receive the total cash value of their Participant’s Investment Account (PIA) along with any accumulated surplus, making it an ideal vehicle for significant life milestones such as educational funding or specialized savings.
Specifically designed with a short, 5-year payment term (with the option to extend upon the client’s request), ensuring the participant’s financial commitment is completed quickly while benefits continue for the long term.
While payments stop after 5 years, the plan remains active for a duration of 5 to 30 years, providing protection until the participant reaches a maximum age of 60.
Available to individuals within the 18 to 55-year age bracket, making it a viable tool for mid-career financial planning.
Requires a minimum annual contribution of PKR 50,000, with a semi-annual option starting at PKR 25,000, catering to serious investors.
Offers the autonomy to allocate funds into Aggressive, Income, or Balanced funds based on the participant's risk profile and return expectations.
In the event of the participant's death, the plan provides the PIA Cash Value plus the Sum Covered and accumulated surplus from the Participants' Takaful Fund (PTF).
Includes a built-in ADB rider that provides an additional payout equal to the basic Sum Covered in the event of an accidental fatality.
Rewards participants with a 5% bonus of the basic annual contribution, credited to the investment account at the end of the 5th year.
Provides a flexible range of protection, with a minimum Sum Covered of 5 times the annual contribution and a maximum of up to 10 times.
Upon the successful completion of the term, participants receive the total PIA Cash Value plus the PTF Surplus, providing a lump sum for their future needs.
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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