adamjee life wto sarparast tameer 24x8.5 bilingual

2
111-11-LIFE(5433) www.adamjeelife.com Adamjee Life Assurance Co. Ltd. Window Takaful Operations Adamjee Life WTO Sarparast Tameer You Shari’ah Financial Partner Adamjee Life Assurance Co. Ltd. Window Takaful Operations www.adamjeelife.com Principal Office: 3rd and 4th Floor, Adamjee House, I.I.Chundrigar Road, Karachi - 74000 Adamjee Life WTO Sarparast Tameer Plan To aspire for and attain a hassle free life one needs to work hard and plan ahead in order to avoid any unforeseen situation.. For secure future planning, you need a solution that can connect with all your personal financial needs with ease and keep your family protected in case of any mishap. In order to help you fulfill all your aspirations and future goals, Adamjee life - Window Takaful Operations (AL-WTO) has designed Adamjee Life WTO Sarparast Tameer Plan. This is a Shahriah Compliant Family Certificate that offers a very good combination of protection and long term savings and also provides you greater flexibility to build a better life and realize your dream. What is Takaful? The word Takaful is derived from the Arabic verb Kafala, which means to look-after; 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 contribution), where risk is shared collectively by a group of participants, who by paying contributions to a common fund, agree to jointly guarantee themselves against loss or damage to any one of them as defined in the pact. Takaful is operated on the basis of shared responsibility, brother- hood, solidarity and mutual cooperation. Benefits Of Adamjee Life WTO Sarparast Tameer Plan • Free- Look Period The certificate offers a free-look period of 14 days during which you can cancel your certificate by contacting Adamjee Life - WTO, and have your contribution refunded. However, AL - WTO reserves the right to deduct the expenses incurred on medical examination(s) of the participants in connection with the issuance of this certificate (if any). • Protection Benefit In case the covered person dies during the certificate term, the sum cover ed or accumulated account value whichever is higher less any partial withdrawals, will be paid to the beneficiary(ies). • Choice of Family Takaful Coverage You have the option to choose from the different levels of family takaful coverage ranging from 5 to 30 protection multiple for the same amount of contribution. • Certificate Maturity Benefit At the time of maturity of the certificate term the person covered will get the amount equal to his/her account value.At the time of maturity of the certificate term the person covered will get the amount equal to his/her account value. • Investment Booster: (Ad-Hoc) / Top-up By depositing a minimum payment of Rs. 10,000/- (over and above your regular contribution) you can enhance the growth of your invested capital 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 anytime during the certificate term to boost your accumulated cash value. • Tax (Benefits): As per the section 62 (ii)of Income Tax Ordinance 2001, a resident person other than a company shall be entitled to tax credit in a tax year in respect of any family takaful contribution paid on a certificate 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 contribution amount which can be lower of 20% of his taxable income or Rs. 2 million. If • Spouse Protection Supplementary Benefit In 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 Benefit The feature guarantees as lump sum amount payable to the chosen beneficiary in case of death of the person covered. • Waiver of Contribution Supplementary Benefit (WOC-Death) On death of the person covered, AL - WTO will pay the initial (un-escalated) basic contribution for the remaining term of the supplementary benefit, The beneficiary will receive the maturity benefit at the end of the certificate term. • Critical Illness Supplementary Benefit A 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 additional to your main certificate benefit. • Accidental Death & Disability A lump sum benefit is paid to you or your chosen beneficiary in case of accidental death & disability • Waiver of Contribution Supplementary Benefit (WOC-Disability) On total permanent disability of the person covered, AL - WTO will pay the initial (un-escalated) basic contribution for the remaining term of the supplementary benefit or earlier recovery or death. • Monthly Income Benefit On 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. Contribution Allocation & Surrender Charges: Bonus Allocation: Bonus Allocation applies to Certificates that have remained inforce through timely payment of at least initial Basic Contribution and without utilization of Partial Withdrawal. Bonuses are linked with contribution paying term. contribution amount is withdrawn within 24 months, the tax credit given earlier shall be reversed back in respective year. • Partial Withdrawal Certificate offers the option of making partial withdrawals from your account value. Withdrawals can be made 4 times in a certificate 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 time to time. • Inflation protection/Indexation (Optional) This is a value-added feature to cover the inflation impact. Your contribution will increase every year by 5% or 10% of the previous years’ contribution with this option. The cash value will also increase accordingly. • Monthly Annuity Benefit (Optional) On survival of the Person Covered till maturity of the Certificate, 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 Growth Contributions paid for Adamjee Life WTO Sarparast Tameer Plan shall be invested by default in low or conservative risk funds. However, you may choose to invest in a moderate to high risk funds described below that suits your investment strategy and risk appetite. The returns earned after deduction of risk charges, monthly admin and investment management charges are credited to the unit account balance and accumulate as the certificate holder’s cash value. Our low or conservative 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 equities 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 securities, Term deposits in Islamic Banks and Government securities with limited exposure to Shariah compliant 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 Benefits You can enhance the Protection Benefit by selecting any or all of the following optional Supplementary Benefits subject to payment of additional contribution. 1 2 3 & onwards 50 70 100 Cer�ficate Year % of Basic Contribu�on Allocated to PIA Account Surrender Charges as % of PIA Account Value 0 0 0 Certificate Terms & Eligibility Basic Contribution Payment mode: Min imum Contribution: • Payment Mode: (Annual, Semi-Annual, Quarterly & Monthly) Disclaimer: • This product is underwritten by Adamjee Life Assurance Company Limited – Window Takaful Operations (WTO). It is not guaranteed or issued by “Bank” or its affiliates and is not a product of the Bank. • The Bank is acting 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 participant (s) or claimants(s). Charges Cer�ficate Fee: Fund Management Charges: Wakalat-ul-Is�smaar Fee: Bid/ Offer Spread: Takaful Contribu�on: Surrender & Par�al withdrawal 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. Year1:50%, 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 Year are free. A charge of Rs. 300 will be made for any fur ther switches in that year 30% p.a. on investment return of the WAQF • Adamjee Life WTO Sarparast Tameer Plan is a Unit Linked takaful Plan which is subject to investment risk. The investment risk shall be borne by the participant and actual maturity and surrender values may be lower or higher than the projected figures. • All Adamjee Life WTO Sarparast Tameer plan applications are processed and approved by Adamjee Life Assurance Co. Ltd. - WTO, as per their underwriting guidelines. “Bank” is not responsible for processing and approval of these applications in any way, whatsoever. • This brochure only provides an introduction to the benefits available under the plan. A detailed description of how the contracts works is given in “Terms & Conditions” attached with the Participant Membership Document (PMD) , which will be provided after the issuance of the certificate. • The past performance of the investment fund is not necessarily a guide to future performance. Any forecast is not necessarily indicative 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 illustration of benefits will be provided to you by our sales representative. Please refer to the notes in the illustration for a detailed understanding of the various terms and conditions along with in the projected cash values. These values are only for understanding purpose and can be go up or down and not guaranteed. Minimum entry age Minimum Contribu�on paying term 10 years 18 Years Maximum entry Age Maximum Cer�ficate term 25 years or up to age of 80 exact, whichever comes first. 70 Years Minimum Cer�ficate term 10 years Mode Minimum Contribu�on per installment Annual Semi-Annual Quarterly Monthly Rs.20,000/- Rs.15,000/- Rs.10,000/- Rs. 5,000/- (Rs. 30,000/- Annually) (Rs. 40,000/- Annually) (Rs. 60,000/- Annually) Cer�ficate/ Contribu�on Year 6th - 11th Life Event Bonuses* 10 % % of Ini�al Basic Contribu�on Allocated to PIA Account 50% Bonus on Son’s University Admission 50% Bonus on Daughter’s wedding 50% Bonus on Re�rement of Person Covered *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.

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Page 1: Adamjee Life WTO Sarparast Tameer 24x8.5 Bilingual

111-11-LIFE(5433) www.adamjeelife.com

Adamjee Life Assurance Co. Ltd.Window Takaful Operations

Adamjee Life WTOSarparast Tameer

You Shari’ah Financial Partner

Adamjee Life Assurance Co. Ltd.Window Takaful Operations

www.adamjeelife.com

Principal Office: 3rd and 4th Floor, Adamjee House,I.I.Chundrigar Road, Karachi - 74000

Adamjee Life WTO Sarparast Tameer PlanTo aspire for and attain a hassle free life one needs to work hard and plan ahead in order to avoid any unforeseen situation.. For secure future planning, you need a solution that can connect with all your personal financial needs with ease and keep your family protected in case of any mishap.

In order to help you fulfill all your aspirations and future goals, Adamjee life - Window Takaful Operations (AL-WTO) has designed Adamjee Life WTO Sarparast Tameer Plan. This is a Shahriah Compliant Family Certificate that offers a very good combination of protection and long term savings and also provides you greater flexibility to build a better life and realize your dream.

What is Takaful?The word Takaful is derived from the Arabic verb Kafala, which means to look-after; 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 contribution), where risk is shared collectively by a group of participants, who by paying contributions to a common fund, agree to jointly guarantee themselves against loss or damage to any one of them as defined in the pact. Takaful is operated on the basis of shared responsibility, brother-hood, solidarity and mutual cooperation.

Benefits Of Adamjee Life WTO Sarparast Tameer Plan• Free- Look PeriodThe certificate offers a free-look period of 14 days during which you can cancel your certificate by contacting Adamjee Life - WTO, and have your contribution refunded. However, AL - WTO reserves the right to deduct the expenses incurred on medical examination(s) of the participants in connection with the issuance of this certificate (if any).• Protection BenefitIn case the covered person dies during the certificate term, the sum cover ed or accumulated account value whichever is higher less any partial withdrawals, will be paid to the beneficiary(ies).• Choice of Family Takaful CoverageYou have the option to choose from the different levels of family takaful coverage ranging from 5 to 30 protection multiple for the same amount of contribution.• Certificate Maturity BenefitAt the time of maturity of the certificate term the person covered will get the amount equal to his/her account value.At the time of maturity of the certificate term the person covered will get the amount equal to his/her account value.• Investment Booster: (Ad-Hoc) / Top-upBy depositing a minimum payment of Rs. 10,000/- (over and above your regular contribution) you can enhance the growth of your invested capital 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 anytime during the certificate term to boost your accumulated cash value.• Tax (Benefits):As per the section 62 (ii)of Income Tax Ordinance 2001, a resident person other than a company shall be entitled to tax credit in a tax year in respect of any family takaful contribution paid on a certificate 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 contribution amount which can be lower of 20% of his taxable income or Rs. 2 million. If

• Spouse Protection 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 chosenbeneficiary in case of death of the person covered.• Waiver of Contribution Supplementary Benefit (WOC-Death)On death of the person covered, AL - WTO will pay the initial (un-escalated) basic contribution for the remaining term of the supplementary benefit, The beneficiary will receive the maturity benefit at the end of the certificate term.• Critical 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 additional to your main certificate benefit.• Accidental Death & DisabilityA lump sum benefit is paid to you or your chosen beneficiary in case ofaccidental death & disability• Waiver of Contribution Supplementary Benefit (WOC-Disability)On total permanent disability of the person covered, AL - WTO will pay the initial (un-escalated) basic contribution for the remaining term of the supplementary 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.

Contribution Allocation & Surrender Charges:

Bonus Allocation:Bonus Allocation applies to Certificates that have remained inforce through timely payment of at least initial Basic Contribution and without utilization of Partial Withdrawal. Bonuses are linked with contribution paying term.

contribution amount is withdrawn within 24 months, the tax credit given earlier shall be reversed back in respective year.• Partial WithdrawalCertificate offers the option of making partial withdrawals from your account value. Withdrawals can be made 4 times in a certificate 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 time to time.• Inflation protection/Indexation (Optional)This is a value-added feature to cover the inflation impact. Your contribution will increase every year by 5% or 10% of the previous years’ contribution with this option. The cash value will also increase accordingly.• Monthly Annuity Benefit (Optional)On survival of the Person Covered till maturity of the Certificate, 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 GrowthContributions paid for Adamjee Life WTO Sarparast Tameer Plan shall be invested by default in low or conservative risk funds. However, you may choose to invest in a moderate to high risk funds described below that suits your investment strategy and risk appetite. The returns earned after deduction of risk charges, monthly admin and investment management charges are credited to the unit account balance and accumulate as the certificate holder’s cash value.Our low or conservative 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 equities 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 securities, Term deposits in Islamic Banks and Government securities with limited exposure to Shariah compliant

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 BenefitsYou can enhance the Protection Benefit by selecting any or all of the following optional Supplementary Benefits subject to payment of additional contribution.

12

3 & onwards

5070

100

Cer�ficate Year % of Basic Contribu�onAllocated to PIA Account

Surrender Charges as% of PIA Account Value

000

Certificate Terms & Eligibility

Basic Contribution Payment mode:Min imum Contribution:

• Payment Mode: (Annual, Semi-Annual, Quarterly & Monthly)Disclaimer:• This product is underwritten by Adamjee Life Assurance Company Limited – Window Takaful Operations (WTO). It is not guaranteed or issued by “Bank” or its affiliates and is not a product of the Bank.

• The Bank is acting 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 participant (s) or claimants(s).

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 Valuefrom the PIA deducted on a monthly basis.

Year1:50%, Year 2: 30% , Year 3 onward : 0%

5% of all contribu�ons allocated to the unitaccount

With reference to a�ained age and based onthe 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 Year arefree. A charge of Rs. 300 will be made for any fur ther switches in that year

30% p.a. on investment return of the WAQF

• Adamjee Life WTO Sarparast Tameer Plan is a Unit Linked takaful Plan which is subject to investment risk. The investment risk shall be borne by the participant and actual maturity and surrender values may be lower or higher than the projected figures.

• All Adamjee Life WTO Sarparast Tameer plan applications are processed and approved by Adamjee Life Assurance Co. Ltd. - WTO, as per their underwriting guidelines. “Bank” is not responsible for processing and approval of these applications in any way, whatsoever.

• This brochure only provides an introduction to the benefits available under the plan. A detailed description of how the contracts works is given in “Terms & Conditions” attached with the Participant Membership Document (PMD) , which will be provided after the issuance of the certificate.

• The past performance of the investment fund is not necessarily a guide to future performance. Any forecast is not necessarily indicative 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 illustration of benefits will be provided to you by our sales representative. Please refer to the notes in the illustration for a detailed understanding of the various terms and conditions along with in the projected cash values. These values are only for understanding purpose and can be go up or down and not guaranteed.

Minimum entry age

Minimum Contribu�on paying term

10 years

18 Years

Maximum entry Age

Maximum Cer�ficate term

25 years or up to age of 80 exact, whichever comes first.

70 Years

Minimum Cer�ficate term

10 years

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)Cer�ficate/ Contribu�on Year

6th - 11th

Life Event Bonuses*

10 %

% of Ini�al Basic Contribu�on Allocated to PIA Account

50% Bonus on Son’s University Admission 50% Bonus on Daughter’s wedding50% Bonus on Re�rement of Person Covered

*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.

Page 2: Adamjee Life WTO Sarparast Tameer 24x8.5 Bilingual

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