• Policyholder will get full sum assured with profits after maturity as per term. This plan of insurance will be operated by Al-Mudaraba.
• If death occurred in between the term of inforce policy, full death benefit along with accrued profits will be payable.
• Surrender value/ Paid-up value achieved if the policy run minimum 02 (Two) years. Profit against paid-up value will be added every year. Profit will also be added against deposited amount if the premium payment stops after 02 years.
• If the policyholder fails to deposit premium within the stipulated time or within the grace period, premium will be deposited subject to without profit for that time. In that case policy will be revived by submitting DGH.
• Term of this plan is minimum 10 (Ten) years and sum assured minimum 20 (Twenty) thousand.
• Proposed age range would be minimum 20 years and maximum 55 years.

• Policyholder will get full sum assured with profits after maturity as per term.
• If death occurred in between the term of inforce policy, full death benefit along with accrued profit will be payable.
• Surrender value/ Paid-up value achieved if the policy run minimum 02 (Two) years. Profit against paid-up value will be added every year. Profit will also be added against deposited amount if the premium payment stops after 02 years.
• If the policyholder fails to deposit premium within the stipulated time or within the grace period, premium will be deposited subject to without profit for that time. In that case policy will be revived by submitting DGH.
• Term of this plan is 10 (Ten) and 15 (Fifteen) years and sum assured minimum 20 (Twenty) thousand.
• Proposed age range would be minimum 20 years and maximum 55 years.

• Policyholder will get 25% survival benefit of sum assured after ending of one-third term, another 25% survival benefit of sum assured after ending of two-third term and rest 50% of sum assured with accrued profits after maturity of the full term.
• If death occurred in between the term of inforce policy, full death benefit and profits will be payable to the nominee (s) without deducting the installments.
• Surrender value/ Paid-up value achieved if the policy run minimum 02 (Two) years. Profit against paid-up value will be added every year. Profit will also be added against deposited amount if the premium payment stops after 02 years.
• Term of this plan is minimum 12 (Twelve) years and maximum 24 (Twenty four) years. Sum assured will be minimum 20 (Twenty) thousand.
• Proposed age range would be minimum 20 years and maximum 55 years.
• Supplementary coverage (PDAB/DIAB) will be applicable.

• Policyholder will get the survival benefit in 04 (Four) installments within the whole term of the policy.
• If death occurred in between the term of inforce policy, full death benefit and profits will be payable to the nominee (s) without deducting paid installment.
• Surrender value/ Paid-up value achieved if the policy run minimum 02 (Two) years and advantage of investment may be taken against this policy which will be 90% of the achieved surrender value.
• Profit against paid-up value will be added every year. Profit will also be added against deposited amount if the premium payment stops after 02 years.
• Term of this plan is 12, 16 & 20 years. Sum assured will be minimum 20 (Twenty) thousand.
• Proposed age range would be minimum 20 years and maximum 55 years.
• Supplementary coverage (PDAB/DIAB) will be applicable.

• Policyholder will get 10% as survival benefit of sum assured after ending of one-fifth term, 15% of sum assured after ending of two-fifth term, 20% of sum assured after ending of three-fifth term, 25% of sum assured after ending of four-fifth term and rest 30% of sum assured with accrued profits after maturity of the full term.
• If death occurred in between the term of inforce policy, full death benefit and profits will be payable to the nominee (s) without deducting paid installment.
• Surrender value/ Paid-up value achieved if the policy run minimum 02 (Two) years.
• Profit against paid-up value will be added every year. Profit will also be added against deposited amount if the premium payment stops after 02 years.
• Insurance term of this plan is minimum 10 years and maximum 20 years. Sum assured will be minimum 20 (Twenty) thousand.
• Proposed age range would be minimum 20 years and maximum 55 years.
• Supplementary coverage (PDAB/DIAB) will be applicable.

• Different type of insurance plan. Main objective is to arrange stipend /annuity for children higher education.
• It has two types of Term:
  1. Term of policy premium deposit.
  2. Term of annuity.
• It has two types of Policy Surrender:
  1. Policy surrenders due to incapability.
  2. Annuity surrender, if somebody doesn’t want to take it.
• Sum assured will be 10 times of yearly annuity.
• Term of premium deposit is minimum 05 (five) years and maximum 15 (fifteen) years.
• It has two types of advantages:
  1. If father / mother survive up to the full term of the policy, Child will get education annuity with attractive profits on quarterly basis.
  2. If father / mother or applicant’s death occurred during the policy term, the rest premium will be waived and the child will get education help annuity up to the full term. After this the child will get education annuity.
• No supplementary coverage will be applicable.

• If death occurred of the policy holder before policy maturity or between the terms, nominee (s) will get full sum assured with accrued profits and if the policy holder withdraws money for Hajj then the rest amount of sum assured along with profits pay to nominee (s).
• Policy holder can withdraw money for Hajj only one time in this plan.
• If the policy holder doesn’t withdraw money for Hajj in between the term, after death full sum assured along with profits pay to nominee (s) for proxy Hajj.
• In terms of 10 years plan, 60% of sum assured after 07 years or 70% after 08 years or 80% after 11 years can be withdrawn for Hajj. Rest sum assured with profits will pay after policy maturity.
• Term of this plan will be 10 and 12 years. But the maturity age should not be exceed 60 years. Sum assured must be minimum Tk. 1,00,000.00.
• Profit against paid-up value will be added every year. Profit will also be added against deposited amount if the premium payment stops after 02 years. Death claim will be paid by basic sum assured with profits. But if advance against sum assured withdraw for Hajj, profits will decrease by ratio.
• Surrender value/ Paid-up value achieved if the policy run minimum 02 (Two) years.

       •   Supplementary coverage will be applicable.   

• If the policy holder alive up to the policy maturity, he / she will get the full sum assured along with profits after maturity upon Al-Mudaraba basis.
• If death occurred before the policy maturity, nominee (s) will get the full sum assured along with accrued profits or if the policy holder selects Sariah board as lawyer for proxy Hajj, board will take necessary steps for proxy Hajj in favour of policy holder. In that case permission from policy holder must be taken. The policy holder who deposited only one or two premium will get this advantage also.
• Profit against paid-up value will be added every year. Profit will also be added against deposited amount if the premium payment stops after 02 years.
• Term of this plan will be 10 and 12 years. But the maturity age should not be exceed 60 years. Sum assured must be minimum Tk. 1,00,000.00.
• Surrender value/ Paid-up value achieved if the policy run minimum 02 (Two) years. In terms of surrender policy holder will get deposited amount along with accrued profits deducting Tabarru amount and service charge.

• Term of this policy will be 10 years.
• No supplementary coverage will be applicable.
• Sum at Risk is double of sum assured in this plan.
• Sum assured minimum Tk. 5,000 in this plan.
• No need to divert in paid up value due to single payment premium.
• The policy holder will get double amount of sum assured along with accrued profits upon Al-Mudaraba basis after maturity.
• If death occurred in between the term of the policy, nominee will get full sum assured and same amount from Tabarru fund along with accrued profits. So that, double sum assured with profits will pay in death case of policy holder.
• Surrender value achieved if the policy run minimum 02 (Two) years. In terms of surrender, policy holder will get deposited amount along with accrued profits deducting Tabarru amount and service charge. Advantage of investment may be taken against this policy which will be 90% of the achieved surrender value.