This policy follows 100% rules and regulations of Islamic law and Shariah guidelines.

Upon completion of Account Value Accumulation Period,100% of the Account Value will be paid as a lump sum amount, which will help you to perform holy Hajj and Umrah. The Hajj and Umrah Benefit is not guaranteed and will vary based on investment performance. The Hajj and Umrah Benefit will be lower for policies paying contribution more frequently than yearly.

Account Value Accumulation Period: In case of unfortunate death of the participant due to any cause, beneficiary will get 100% of Face Amount or 100% of Account Value, whichever is higher, and policy terminates. In this case, beneficiary or any other relative can perform Hajj and Umrah on behalf of the deceased participant with the benefit receivable under this policy.

Extended Coverage Period: From Hajj and Umrah Benefit date there will be an extended coverage of 2 years for insured. During this time if the insured unfortunately dies while performing Hajj and Umrah:

1. Due to natural cause then beneficiary (ies) will get 100% of Face Amount
2. Due to accident, beneficiary(ies) will get 200% of Face Amount

Please note, within Extended Coverage Period, while performing Hajj and Umrah a participant can avail this additional coverage only for once and performing Hajj and Umrah for the first time.

Upon Surrender at any time before Hajj and Umrah Benefit, the participant will receive the Cash Surrender Value.  A Surrender Charge will be applicable if the policy is surrendered during the first 3 years for 7 years policy term and first 5 years for 12 years policy term. The Cash Surrender Value may be less than the contribution paid.

Tax advantages regarding the contribution payment are subject to Tax laws/rules of the Bangladesh Government. Please consult your Tax advisor for confirmation and advice.