The Zindagi Premier Takaful Savings Plan is a smart investment and protection solution linked with the Vitality wellness programme. Built on the shared value Takaful model, it encourages healthier living and rewards positive lifestyle choices. The plan also provides in-built hospitalisation benefits for added security.

This plan is offered by IGI Life – Window Takaful Operations and is available exclusively through Bank Alfalah Islamic branches.

Features

• Secure Contributions
  At maturity, you receive the full Participant Investment Account (PIA) value accumulated during the plan term.

• Flexible Coverage
  Choose the sum cover that suits your needs. Multiply your annual contribution by a cover multiple (5 to 40, depending on age).
  Example: If your annual contribution is PKR 500,000 and you select a cover multiple of 10, your sum cover will be PKR 5,000,000.

• Family Protection
  In case of death during the plan term, beneficiaries receive the higher of the sum cover or the PIA value.

• Investment Options
  Select from Aggressive, Balanced, or Conservative strategies. Expert managers handle investments to deliver optimised returns with manageable risk.

Benefits

• Vitality Programme
  Provides health insights, motivates you to improve your wellbeing, and rewards healthier lifestyle choices.

• Takaful Coverage
  Combines financial protection with high investment allocation — 50% in the first year.

• Sehat Afza
  Covers hospitalisation expenses of up to PKR 250,000 annually in case of illness or accident.

Payment Frequency

• Minimum annual contribution: PKR 250,000

• Payment options: Annual, semi-annual, or quarterly

Eligibility

• Available to Bank Alfalah Islamic customers aged 18 to 65 years

Term of Plan

• Minimum term: 10 years

• Maximum term: 25 years (up to age 85 at coverage maturity)

Claims Process

To make a claim, submit the following to IGI Life:

• Completed claimant’s statement (Download Form)

• Completed physician’s statement (Download Form)

• Original or attested Union Council death certificate

• Copy of hospital death certificate

• Original policy document

• Full medical and treatment record of the deceased

• Copies of CNICs of deceased and beneficiary

• Attested copy of FIR or police report (in case of accident)

• Attested copy of post-mortem report (in case of accident)

Additional documents may be required depending on the case.

Disclaimer

The Zindagi Premier Takaful Savings Plan is underwritten by IGI Life – Window Takaful Operations. Bank Alfalah Limited and its affiliates do not guarantee or insure this plan.