adamjee life wto noor islami 6 (sides)- bilingual
TRANSCRIPT
111-11-LIFE(5433) www.adamjeelife.com
Adamjee Life Assurance Co. Ltd.Window Takaful Operations
Principal Office: 3rd and 4th Floor, Adamjee House,I.I.Chundrigar Road, Karachi - 74000
UAN: +92-111-11-LIFE(5433) Fax: +92-21-38630011
Adamjee Life WTO Noor Al Islami PlanHassle-free life with a stable income and aspiring for a happy and prosperous life tomorrow is everyone’s dream that they want to realize.
However, the irony is present financial situa�on may not be supreme factor to vassure a secure financial future. Your commitments a––nd priori�es vary in �mes to come. However, with proper financial Planning and wise investments you could enjoy a life of your aspira�ons.
Adamjee Life WTO Noor-al-Islami Cer�ficate is the ul�mate Shariah compliant Family Takaful Cer�ficate in the market with the flexibility of choosing from the various kind of protec�on and investment op�ons.
Adamjee Life WTO Noor al Islami Cer�ficate is designed to help you Plan your future financial needs. This Cer�ficate is a Shariah compliant investment and financial protec�on solu�on which can secure your future financial well-being.
What is Takaful?The word Takaful is derived from the Arabic verb Kafala, which means to guarantee; to help; to take care of one’s needs. Takaful is a system of Islamic insurance based on the principle of Ta’awun (mutual assistance) and Tabarru (voluntary contribu�on), where risk is shared collec�vely by a group of par�cipants, who by paying contribu�ons to a common fund, agree to jointly assist themselves against loss or damage to any one of them as defined in the pact. Takaful is operated on the basis of shared responsibility, brotherhood, solidarity and mutual coopera�on.
How Does the Takaful Membership Operate?Adamejee Life- Window takaful Opera�ons (AL-WTO) takaful model is based on the Wakalah-Waqf principal. Individuals in the community come together for a common purpose and contribute into a Waqf Fund operated by a Window Takaful Operator to protect themselves against future financial losses.
Benefits Of Adamjee Life WTO Noor Al Islami Plan• Free- Look PeriodThe cer�ficate offers a free-look period of 14 days during which you can cancel your cer�ficate by contac�ng Adamjee Life - WTO, and have your contribu�on refunded. However, AL - WTO reserves the right to deduct the expenses incurred on medical examina�on(s) of the par�cipants in connec�on with the issuance of this cer�ficate (if any).• Protec�on BenefitIn case the covered person dies during the cer�ficate term, the sum covered or accumulated cash value whichever is higher less any par�al withdrawals, will be paid to the beneficiary(ies).• Choice of Family Takaful CoverageYou have the op�on to choose from the different levels of family takaful coverage ranging from 5 to 30 protec�on mul�ple for the same amount of contribu�on.• Cer�ficate Maturity BenefitAt the �me of maturity of the cer�ficate term the person covered will get the amount equal to his/her cash value.• Investment Booster: (Ad-Hoc) / Top-upBy deposi�ng a minimum payment of Rs. 10,000/- (over and above your regular contribu�on) you can enhance the growth of your invested capital
Free built-in Pilgrimage Coverage*PKR 2 Million Coverage on Accidental Death during Hajj.*Coverage will be terminate when person covered reached Age 65.
Optional Supplementary RidersYou can enhance the Protec�on Benefit by selec�ng any or all of the following op�onal Supplementary Benefits subject to payment of addi�onal contribu�on.• Spouse Protec�on Supplementary BenefitIn the unfortunate event of the death of the covered person’s spouse during the enforce term of this Supplementary Benefit, the Supplementary Benefits’ sum covered is payable.• Level Term Supplementary BenefitThe feature guarantees as lump sum amount payable to the chosen beneficiary in case of death of the person covered.• Waiver of Contribu�on Supplementary Benefit (WOC-Death)On death of the person covered, AL - WTO will pay the ini�al (un-escalated) basic contribu�on for the remaining term of the rider into unit account, The beneficiary will receive the maturity benefit at the end of the cer�ficate term.• Cri�cal Illness Supplementary BenefitA lump sum benefit is paid to you in case you are diagnosed with one of the listed 20 diseases during the enforce term of this Supplementary Benefit. The lump sum benefit is addi�onal to your main cer�ficate benefit.• Accidental Death & DisabilityA lump sum benefit is paid to you or your chosen beneficiary in case of accidental death & disability• Waiver of Contribu�on Supplementary Benefit (WOC-Disability)On total permanent disability of the person covered, AL - WTO will pay the ini�al (un-escalated) basic contribu�on for the remaining term of the supplemen- tary benefit or earlier recovery or death.• Monthly Income BenefitOn the death or permanent and total disability of the person covered due to accident or sickness during the in-force term of this supplementary benefit, AL - WTO shall pay a monthly income benefit for the remaining term of this Supplementary Benefit or earlier recovery or death.• Hospital Cashback BenefitOn admission in the hospital due to injury or sickness for consecu�ve period of at least 24 hours, daily cash benefit will be paid. For admission in Intensive care unit (ICU), the cash benefit payable will be increased to twice the daily cash benefit.
Following three plans are available to choose from for daily cash benefit:
through Top up. Top Up payment which has no upper limit will be allocated at 103% in the unit account and can be made & withdrawn any�me during the cer�ficate term to boost your accumulated cash value.• Tax (Benefits):"As per the sec�on 62 (ii)of Income Tax Ordinance 2001, a resident person other than a company shall be en�tled to tax credit in a tax year in respect of any family takaful contribu�on paid on a cer�ficate to a takaful operator provided he is deriving income from salary or business. Such tax credit shall be provided at his average tax rate in that year on invested family takaful contribu�on amount which can be lower of 20% of his taxable income or Rs. 2 million. If contribu�on amount is withdrawn within 24 months, the tax credit given earlier shall be reversed back in respec�ve year".• Par�al WithdrawalCer�ficate offers the op�on of making par�al withdrawals from your cash value. Withdrawals can be made 4 �mes in a cer�ficate year and are limited to 50% of the net cash surrender value subject to maintaining a minimum Net Cash Surrender Value of Rs. 20,000/-. The minimum Net Cash Surrender Value limit may be revised by the Operator from �me to �me.• Infla�on protec�on/Indexa�on (Op�onal)This is a value-added feature to cover the infla�on impact. Your contribu�on will increase every year by 5% or 10% of the previous years’ contribu�on with this op�on. The cash value will also increase accordingly.• Monthly Annuity Benefit (Op�onal)On survival of the Person Covered �ll maturity of the Cer�ficate, the Monthly Annuity Benefit (if opted) will be given as per the term selected by the Person Covered. The term can be 5, 10, 15 or 20 years. The units will remain invested over the annuity term. A minimum annuity benefit of Rs.5000 per month is applicable. If the annuity amount falls below this, the annuity will be terminated and the balance paid out as a lump-sum.
Investment Options – An Opportunity for GrowthContribu�ons paid for Adamjee Life WTO Noor Al Islami shall be invested by default in low or conserva�ve risk funds. However, you may choose to invest in a moderate to high risk funds described below that suits your investment strategy and risk appe�te. The returns earned a�er deduc�on of risk charges, monthly admin and investment management charges are credited to the unit account balance and accumulate as the cer�ficate holder’s cash value.Our low or conserva�ve risk funds include:Tameen Fund: A moderate to low risk profile fund that generates stable and secure returns by balancing the investment in long-term money market investments including term deposit in Islamic Banks and Sukuk Bonds.
Our moderate to high risk funds include:Mazaaf Fund: A moderate to high-risk profile fund that generates higher returns over the long run in shariah compliant equi�es and Islamic mutual fund.
Saman Fund: A moderate risk profile fund that aims to generate steady returns from investments in wide variety of Shariah compliant fixed income securi�es, Term deposits in Islamic Banks and Government securi�es with limited exposure to Shariah compliant.
12
3 & onwards
6070
100
Cer�ficate Year % of Basic Contribu�onAllocated to PIA Account
Surrender Charges as% of PIA Account Value
000
Contribution Allocation & Surrender Charges:
Bonus Allocation:As you con�nue the par�cipa�on for longer term you will gain the higher rewards in terms of Con�nua�on Bonuses. The extra units will be allocated to your account value. This extra units alloca�on is in addi�on to the basic units of alloca�ons, provided Cer�ficate has been in-force through the regular and �mely payment of Contribu�ons, not being lower or less than the ini�al Basic Contribu�on and there has been no par�al withdrawal taken from the Cer�ficate. The Con�nua�on Bonus alloca�on is as follows.
*A�er comple�on of 10 cer�ficate years and cer�ficate remains inforce through �mely payment of contribu�on regardless of the maturity of the Cer�ficate, the par�cipant is eligible for Bonus on any one of these Life events (whichever comes first) during the en�re tenure of the cer�ficate. Subject to sa�sfactory proofs.
1,5003,5006,500
ABC
Benefits Plan AnnualPremium (Rs.)
4,00010,00020,000
Allowance in case ofAdmission to ICU
(Rs. per day)
Daily Cash Allowance forHospitaliza�on
(Rs. per day)2,0005,000
10,000
Cer�ficate Year
57
10
Life Event Bonuses*
10%20%30%
% of Ini�al Basic Contribu�onAllocated to PIA Account
- 50% Bonus on Son’s UniversityAdmission - 50% Bonus on Daughter’s Wedding- 50% Bonus on Re�rement
Charges
Cer�ficate Fee:Fund ManagementCharges:
Wakalat-ul-Is�smaar Fee:
Bid/ Offer Spread:
Takaful Contribu�on:
Surrender & Par�alwithdrawal Processing Fee:
Fund Transfer Fee:
Mudharib’s Share:
Nil
An annual Fee of 1.75% of the Cash Value from the PIA deducted on a monthly basis
Year 1 : 40%, Year 2: 30%, Year 3 Onward: 0%
5% of all contribu�ons allocated to the unit account
With reference to a�ained age and based on the mortality table. A por�on, 35% of Takaful Contribu�on will go to Operator's Sub-Fund as PTF management fee
Rs. 500/- per Surrender/Withdrawal
The first two switches in a cer�ficate Yearare free. A charge of Rs. 300 will be made for any further switches in that year
30% p.a. on investment return of the WAQF
Certificate Terms & Eligibility
Basic Contribution Payment mode:Minimum Contribu�on:
• Payment Mode: (Annual, Semi-Annual, Quarterly & Monthly)
Disclaimer:• This product is underwri�en by Adamjee Life Assurance Company Limited – Window Takaful Opera�ons (WTO). It is not guaranteed or issued by “Bank” or its affiliates and is not a product of the Bank.• The Bank is ac�ng as a corporate takaful agent of Adamjee Life Assurance Company Limited - WTO which underwrites the plan and the Bank shall not be held responsible for any liability under the plan in any manner whatsoev-er to the par�cipant (s) or claimants(s).• Adamjee Life WTO Noor Al Islami is a Unit Linked takaful Plan which is subject to investment risk. The investment risk shall be borne by the par�cipant and actual maturity and surrender values may be lower or higher than the projected figures.• Adamjee Life WTO Noor Al Islami applica�ons are processed and approved by Adamjee Life Assurance Co. Ltd. - WTO, as per their underwri�ng guidelines. “Bank” is not responsible for processing and approval of these applica�ons in any way, whatsoever.• This brochure only provides an introduc�on to the benefits available under the plan. A detailed descrip�on of how the contracts works is given in “Terms & Condi�ons” a�ached with the Par�cipant Membership Document (PMD) , which will be provided a�er the issuance of the cer�ficate.• The past performance of the investment fund is not necessarily a guide to future performance. Any forecast is not necessarily indica�ve of future or likely performance of the funds and neither Adamjee Life Assurance Co. Ltd. - WTO nor “Bank” will incur any liability for the same.• A personalized illustra�on of benefits will be provided to you by our sales representa�ve. Please refer to the notes in the illustra�on for a detailed understanding of the various terms and condi�ons along with in the projected cash values. These values are only for understanding purpose and can be go up or down and not guaranteed.).
Min entry age
Min Contribu�onpaying term
5 years
18 years
Max entry age
Max Cer�ficate Term
25 years or up to age of 80 whichever comes first
70 years
Min Cer�ficate term
10 years
Max Contribu�on paying term
Equal to Cover Term
Mode Minimum Contribu�on per installment
AnnualSemi-Annual
QuarterlyMonthly
Rs.20,000/-Rs.15,000/-Rs.10,000/-Rs. 5,000/-
(Rs. 30,000/- Annually)(Rs. 40,000/- Annually)(Rs. 60,000/- Annually)
Adamjee LifeWTO
Noor Al Islami Plan
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