5th Pillar Family Takaful Bulawa Hajj Savings Plan5th Pillar Family Takaful Bulawa Hajj Savings Plan

5th Pillar Family Takaful Bulawa Hajj Savings Plan

“Hajj is not just a journey of miles; it is a journey of the heart, a pilgrimage of faith, and a transformation of the soul.

The 5th Pillar Family Takaful Bulawa Hajj Savings Plan is an innovative product that helps you save for your pilgrimage. It is a long-term Unit Linked Policy (ULIP) coupled with Takaful protection, which will enable you to make regular contributions based on your financial capacity towards your Hajj savings supported with a complete end-to-end value chain, supporting you from the moment you start saving till the moment you’ve performed Hajj and are back home. . This plan is underwritten by 5th Pillar Family Takaful Partner and Bank Alfalah Limited is acting as a distributor only. 

Features and Benefits

  • Special savings for your Hajj 
  • A complete value chain for performing Hajj
  • Flexible plan, that gives you the option to select the sum cover of your choice
  • Bonus Allocation as high as 50%
  • Death & Maturity Benefit 
  • Additional Riders Option 
  • Free look period of 14 days

*210% Accumulated bonus allocation (Over 25 Years)
*The range of cover multiples available to the policy holder varies with the age at entry of the life covered and underwriting outcome.
*Maturity Benefit At the end of the term of the plan, the policy holder will receive the Cash Value accumulated during the term of the plan.


Contribution varies as per the saving goal for Hajj and would be based on the amount of sum-covered.

Free Look Period

Participant can cancel the membership within fourteen (14) days of the receipt of the membership Documents


For a better understanding in making your selection according to your savings and takaful needs, you may contact representatives at your nearest Bank Alfalah Limited branch.


The plan is available to all Bank Alfalah Limited customers between 18 to 55 years of age.

Term of Plan

The available term range is 10 to 25 years, subject to maximum age of 70 years at maturity.

Mode of Payment

Monthly / Quarterly / Semi-annually / Annually


At time of claims, the beneficiary needs to contact 5th Pillar Family Takaful Company at 021-111-786- 573 and submit the following documents.

  • Original Policy Documents
  • Claim Forms A, B, C, D
  • Complete Medical /Treatment Record including all Clinical Notes at the onset of the treatment
  • Death Certificate issued by Hospital and NADRA
  • Attested CNIC of both the life assured and claimant(s)
  • Intimation wherein Date of death and Cause of death should be mentioned by the claimant

However, in case of Murder, Suicide or Accidental Death following mandatory requirements should also be added:

  • Post Mortem/ Autopsy Report (Attested)
  • News Paper Cutting of the event (Attested)
  • Police First Information Report (FIR) (Attested)
  • Medico Legal Report (Attested)

Note: Further requirements can be asked for depending on the case.


The product is underwritten by 5th Pillar Family Takaful Limited. It is not guaranteed by Bank Alfalah Limited or its affiliates.