Your Spiritual Journey, Financially Secured.

“Hajj is not just a journey of miles; it is a journey of the heart, a pilgrimage of faith, and a transformation of the soul.”

The Bulawa Hajj Savings Plan is designed to help you save for one of the most important journeys of your life — Hajj. This Shariah-compliant Unit Linked Policy (ULIP) combines long-term savings with Takaful protection, ensuring that your pilgrimage is supported with complete peace of mind.

From the moment you start saving to the day you return home after performing Hajj, this plan supports you with a complete end-to-end value chain. Underwritten by 5th Pillar Family Takaful Limited and distributed by Bank Alfalah Limited, it offers both financial security and spiritual reassurance.
 

Key Features & Benefits

• Dedicated Hajj Savings
  Structured savings to help you meet your pilgrimage goal with ease.
• Complete Value Chain Support
  End-to-end assistance from savings to the completion of Hajj.
• Flexible Coverage
  Select a Sum Covered that matches your financial capacity and goals.
• High Bonus Allocations
  • Bonus allocation starts early.
  • Accumulated bonus allocation can reach 210% over 25 years.
• Death & Maturity Benefits
  • Death Benefit: The higher of Sum Covered or Accumulated Cash Value.
  • Maturity Benefit: Cash Value accumulated over the policy term.
• Optional Additional Riders
  Enhance your coverage with tailored protection add-ons.
• Shariah-Compliant
  Savings and protection fully aligned with Islamic principles.
   

Plan Highlights

• Age at Entry: 18 to 55 years
• Plan Term: 10 to 25 years
• Maximum Age at Maturity: 70 years
• Minimum Contribution: Contribution amount is based on your Hajj savings goal and desired Sum Covered.
• Payment Modes: Monthly, Quarterly, Semi-Annual, or Annual
   

Free Look Period

You have 14 days from receiving your membership documents to cancel and get a full refund of contributions (minus applicable expenses).

How to Claim

In the unfortunate event of a claim, the beneficiary should contact 5th Pillar Family Takaful at 021-111-786-573 and provide:

• Original Policy Documents
• Claim Forms A, B, C, D
• Medical/Treatment Records with clinical notes
• Death Certificate (Hospital & NADRA issued)
• Attested CNIC copies (life assured & claimant)
• Written intimation with date and cause of death

For Accidental, Murder, or Suicide cases:

• Post Mortem / Autopsy Report (attested)
• Newspaper cutting (attested)
• Police FIR (attested)
• Medico-Legal Report (attested)

Note: Additional documents may be requested depending on the nature of the claim.
 

Disclaimer

The Bulawa Hajj Savings Plan is underwritten by 5th Pillar Family Takaful Limited. It is not guaranteed by Bank Alfalah Limited or its affiliates. Bank Alfalah acts solely as a distributor and does not bear responsibility for claim settlements.