The 5th Pillar Family Takaful 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 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:

Plan Highlights:

Age at Entry: 18 to 55 years

Plan Term: 5 to 15 years

Maximum Age at Maturity: 75 years

Minimum Contribution: Contribution amount is based on your Hajj savings goal and desired Sum Covered.

Payment Modes: Monthly, Quarterly, Semi-Annual, or Annual

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.

Free Look Period

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

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.