The Zindagi Plus Takaful Savings Plan is a smart way to invest and protect your future. Linked with the Vitality wellness programme, it rewards you for living healthier. Built on the shared value Takaful model, this plan combines protection, savings, and wellness benefits—all in one.

Exclusively available for Bank Alfalah customers through our branches, the plan is offered by IGI Life – Window Takaful Operations.

Key Features and Benefits

• Secure investments: Your contributions are invested as per your chosen strategy. At maturity, you receive the full Participant Investment Account (PIA) value accumulated during the plan’s term.
• Flexible coverage: Choose the sum cover that fits your needs. Multiply your annual basic contribution by the cover multiple (from 5 to 40, depending on your age) to set your protection amount.
  • Example: If you contribute PKR 100,000 annually and select a cover multiple of 10, your sum cover will be PKR 1,000,000.
• Family protection: In case of death during the plan term, your beneficiaries will receive the sum cover or the PIA value, whichever is higher.
• Expert fund management: Contributions are invested in Aggressive, Balanced, or Conservative funds managed by professionals to deliver optimized returns with controlled risk.

Additional Benefits

• Vitality: Stay healthier and earn rewards through the integrated wellness programme.
• Takaful coverage: Ensure financial security with one of the highest allocation rates—57.5% in the first year.
• Sehat Afza: Protect yourself against medical expenses. If illness or accident leads to hospitalization, this benefit covers in-patient costs.

Plan Highlights

• Age at Entry 18 to 65 years
• Plan term: 10 years subject to a maximum attained age of 85 years.
• Maximum Age at Maturity: 85 years
• Minimum Contribution: PKR 50,000/-
• Payment Modes Annual

Free Look Period

Cancel your membership within 14 days of receiving your Participant’s Membership Document (PMD) for a full refund. Expenses incurred for medical or clinical examinations will be deducted.
 

Claims

To file a claim, submit the required documents to IGI Life – WTO. These may include:

• Claimant’s Statement and Physician’s Statement (downloadable from IGI Life Claim Forms)
• Death Certificates (Union Council and Hospital)
• Original Policy Document
• Medical records
• CNIC copies of both deceased and beneficiary
• FIR, Police Report, or Post-Mortem Report (in case of accident)

Claims are processed promptly once all requirements are received at the IGI Life WTO Head Office:
The Forum, 7th Floor, Suite No. 701-713, Khayaban-e-Jami, Block 9, Clifton, Karachi 75600, Pakistan

Disclaimer

The IGI Life – WTO Zindagi Plus Takaful Savings Plan is underwritten by IGI Life – Window Takaful Operations. It is not guaranteed or covered by Bank Alfalah Limited or its affiliates.