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    1

    In the Name of Allah, the most Gracious, the most Merciful

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    2

    SPECIAL THANKS T

    SI! MI!"A NA#EEM $AIG

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    %

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    G!&P MEM$E!S

     M&HAMMA# ALI '(

     HASNAIN HAI#E! 1)

    M&*EE$+&!+!EHMAN2

     TA$A!&K H&SSAIN .

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     TA$EL / CNTENTS

    INT!#&CTIN

    0ISIN AN# MISSIN STATEMENT

    Proucts

    CHA!ACTE!ISTIC / P!#&CTS

    #I//E!ENCE $ETEEN TAKA/&L AN# INS&!ANCE

    MA!KET ST!ATEG3 ST ANAL3SIS

    !ECMMEN#ATIN

    -

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    INT!#&CTIN  Dawood Family Takaful Limited ("DFT") was incorporated in Pakistan as public

    limited company on 4 May 2! under te #ompanies $rdinance% &'4 bearin

    reistration number * + ,!'!- Te #ompany recei.ed te certificate of

    reistration on &, May 2 a.in reistration number / under te pro.ision of

    0ection , of te 1nsurance $rdinance% 2-

     Te company is reulated by 0ecurities and 3cane #ommission of Pakistan -

     Te reistered office of te #ompany is situated at &!&+% 0aima Trade Towers%

    1-1- #undriar 5oad% *araci-

      Te principal business acti.ity of te #ompany is to undertake family takaful

     business in accordance wit te 1nsurance $rdinance 2% 0ecurities and

    3cane #ommission (1nsurance) 5ules% 22 and Takaful 5ules% 2/-

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    0ISIN

      The com4an5 6ill stri7e to 8ecome the Ta9aful 4artner of choice in Pa9istan caterin: to the ;nancial 4rotection,lon: term sa7in:s,retirement an ;nancial 4lannin: nees of ini7iuals,8usinesses an the 4u8lic sector in full conformit5 6ith Shariah 4rinci4les<

    )

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    MISSIN

      To 8e reco:ni=e as a re4uta8le, 4ro;ta8le, Shariah ri7en /amil5 Ta9aful o4erator o>erin: inno7ati7e ;nancial solutions to its clients throu:h 8est in class talent, technolo:5 an istri8ution 4o6er<

    (

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    P!#&CTS

     Su9oon

     Salamti

    Samar Sahulat

     Salar5 sa7in: 4lan

    Sin:le contri8ution

    ?

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      SUKOON  (ENDOWMENT FOR RETIREMENT)

     Plan your retirement days wit 0ukoon% a plan tat i.es you te benefits of

    financial protection to address your future re6uirements and fulfills your desire

    to row sa.ins in accordance wit 0aria principles-

     0ukoon as a uni6ue competiti.e ede in terms of contribution payin term for a

     period of & or &/ years and et te co.erae till maturity at te ae of , or ,/-

     0ukoon pro.ides endowment benefit at retirement% or in case of earlier Deat

     pays suc benefits to your dependants-

    1'

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      SALAMTI 

    (FINANCIAL PROTECTION & SAVINGS GROWTH)

     #ane is te essence of Life- 0ome canes make your life colorful but

    sometimes a cane can be 6uite callenin-

      7ow you can prepare yourself for cane by participatin in our 0alamti

    Takaful plan wic pro.ides you wit bot Financial protection 8 sa.ins

    rowt in accordance wit 0aria-

      9ou can coose any term of payment from & to : years up to ma3imum

    maturity ae of ,/ years- 0alamti i.es you peace of mind because your

     belo.ed ones are secured financially for te future-

    11

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      SAMAR

    (CHILD EDUCATION and MARRIAGE PLAN START SAVING TODAY

    FOR A SECURE TOMORROW)

    0amar is a uni6ue 0aria #ompliant plan wic accumulates funds for your cild;s ducation < Marriae and at te same time pro.ides your family te

     protection in case of an unforeseen e.ent-

      1t as : inbuilt features of Family 1ncome benefit% Plan continuation benefit 8

    ccidental deat benefit-

    12

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      SAHULAT

      (cash a!"# $% #'##n')

     n e3cellent combination of Takaful Protection and 1n.estment 5eturn to

    ensure a secure future for you and your family;s .arious needs-

     $ur 0aulat Plan is desined to elp you plan your future financial needs-

      0aulat is a 0aria compliant in.estment and financial protection .eicle

    wic can secure your future financial well bein-

    1%

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      SALARY SAVING PLAN

    (A SHARIAH ARRANGMENT TO PROVIDE)

     9ou may decide your reular #ontributions sub=ect to minimum amount- Tese

    will be used to purcase in.estment >nits in our manaed 0?51 funds of

    your coice@ Aalanced Fund% or 1ncome Fund-

     9ou will a.e access to your funds includin any profits wic can be

    redeemed eiter trou partial witdrawal% surrender% in te e.ent of claim% or

    sur.i.al at maturity-

     Te fund .alue may fluctuate based on underlyin performance and not

    uaranteed-

    1.

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      SINGLE CONTRI*UTION 

    (In#s'#n' Ln+#d Ta+a$"! P!an)

      9ou may decide your minimum contributions sub=ect to minimum amount-

     Tese will be used to purcase 1n.estment >nit in $ur 0?51? manaed

    funds of your coice @ 1ncome Fund % Aalanced Fund or ressi.e Fund-

      Te fund .alue may fluctuate based upon underlyin asset performance- ear 

     F1A will i.e / waBifa to ae of si3teen year and F1A will i.e & for

    marriae women-

    1-

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    P!ESENTE# $3@

    Hasnain Haier

    !oll No< 1)

    1

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    CHA!ACTE!ISTICS / P!#&CTS

    PRODUCT FEATURE

     0aria #ompliant 5iba Free in.estment Crowt-

     0aria #ompliant Financial Protection -

    0urplus is Distributed to participants-

     nance a.ailability of sa.ins at ae ,%,/%! 8 !/ years-

     Participants can witdraw money from teir in.estment account (P1) at any

    time before maturity after payment of :rd year of contribution-

     Pay for a period of & %&/%or 2 years and et takaful co.erae till maturity-

    1)

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    CNT

     #oose your own risk+return combination based on your circumstances-

     

     nnual% semi+annual% 6uarterly or montly payment period-

     nance your financial protection by coosin co.ers e-- ccidental

    deat and disablement% critical illness% family protection% family income

    and funeral e3pense etc-

     Top+up contribution can be made at any time witout any administrati.e canes

    1(

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    1?

    Iss"# Fa!, Ta+a$"! L$# ns"anc#  ssence

    of intension

    To create bot spiritual 8 leal relationsips

    To create leal relationsip only

      Te

    company

    Te participant collecti.ely

    appoint te takaful operator to act as trustee < manaer of te a6f and in.estment funds-

    Te insurer offers

    insurance ser.ices as commercial business

     Premium or 

    #ontribution

    ac participants pays Tabarru (donation) into te a6f fund

    wic pro.ide te takaful  benefits

    1t is a contract of e3cane (sale and

     purcase) between insurer and insured-

    DIFFERENCE *ETWEEN TAKAFUL AND INSURANCE

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    CNT

    Acc%"n's Th# c%n'-"'%n s

    s#.#.a'#d n'% '/% s#0aa'# acc%"n's

    A1 Wa2$ $"nd *1 0a'c0an's

    n#s'#n'acc%"n'

    P#"s a#

    c#d'#d n'% a sn.!# acc%"n' +n%/n as 'h#

    !$# ns"anc# $"nd

    Aenefits Paid from te a6f fund under =oint indemnity born by

     participants

    Paid from te insurance fund leally owned by insurer-