The 5th Pillar Family Takaful Saadat Umrah Savings Plan is a Shariah-compliant savings and protection plan designed to help individuals fulfill their lifelong dream of performing Umrah. The plan combines disciplined savings, ethical investments, and Takaful protection to make the sacred journey financially achievable. It serves as a trusted partner in transforming the dream of Umrah into a reality — from intention to safe return — through a seamless, Shariah-compliant experience.
Key Features & Benefits
Dedicated Umrah 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 Umrah.
Death & Maturity Benefits
Death Benefit: The higher of Sum Covered or Accumulated Cash Value.
Maturity Benefit: Cash Value accumulated over the membership term.
Optional Additional Riders
Enhance your coverage with tailored protection add-ons.
Shariah-Compliant
Savings and protection fully aligned with Islamic principles.
Eligibility & Terms:
|
Attribute |
Details |
| Eligible Age | 18 – 55 years |
| Minimum & Maximum Plan Term |
5 – 15 years |
|
Maximum Maturity Age |
75 years |
|
Minimum Annual Contribution |
Based on the Age and Takaful benefit of the participant, and it will vary by participant. |
|
Mode of Contribution |
Annual / Semi-Annual / Quarterly / Monthly |
How it Works
- Decide your Umrah savings goal and contribution capacity.
- In case of unforeseen events, your family receives protection benefits.
- Make regular contributions through flexible payment modes.
- Your contributions are invested in a Shariah-compliant fund.
- Upon maturity, the participants shall have the following options:
Withdraw their accrued cash value on the date of maturity or utilize the accrued cash value to Perform Hajj by availing the services of 5th Pillar Travel (Pvt) Limited. - In case of unforeseen events, your family receives protection benefits.
Claim Process
Beneficiaries may contact 5th Pillar Family Takaful Company at 021-111-786-573 | Email: claims@5thpillartakaful.com and provide:
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Original membership documents.
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Completed claim intimation form.
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Medical/treatment records.
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Death certificate (Hospital & NADRA)
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Attested CNICs of life assured & claimant.
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Death intimation with date & cause of death.
For accidental, murder, or suicide-related claims, additional documents such as FIR, medico-legal report, autopsy, and newspaper cutting are required.
Note: Additional documents may be requested depending on the nature of the claim.
Free Look Period
If you cancel within 14 working days of receiving your Participant’s Membership Document (PMD), you are entitled to a full refund of your contribution, less medical/clinical exam expenses.
Disclaimer
This product is underwritten by 5th Pillar Family Takaful Limited. It is not guaranteed or covered by Bank Alfalah Limited or its affiliates. Bank Alfalah acts as a distributor only.