Plan 01 - JIBON SATHI (with Bonus)

Plan 02 - JIBON PROTTASHA (with Bonus)

Plan 03 - JIBON TORI (with Profit)

Plan 04 - JIBON SOMAHAR ( with Profit)

Plan 05 - JIBON ALO (with Bonus)

Plan 06 - JIBON BONDHU (with Bonus)

Plan 07 - JIBON ABOKASH (Pension)

Plan 08 - JIBON BIKASH (Child Education)

Plan 09 – CORPORATE PLAN

Plan 10 – JIBON UTTORON (Joint Life)

Plan 11 - JIBON PARASH (Health Insurance)

Plan 12 – JIBON SHONCHOI (Single Premium)

Plan 13 - Jibon Purnota (Hajj Bima)

                Islami Insurance

Plan 14 - Jibon Bondhon

                Islami Insurance

Policy Term 11- 14 years.  After expiry of 5 years of the policy term, the policyholder will receive10 % of sum assurance every year before maturity.  At maturity, the rest of the sum assurance will be paid with accrued bonus.

Example: If you buy a 12-Year term policy with Tk. 1,00,000 Sum Assurance, you will receive Tk. 10,000 at the end of the 5th, 6th,7th, 8th, 9th and 10th year, in total of Tk. 60,000. The rest of the sum assurance, Tk. 40,000 (with bonus) will be payable after the 12th year at maturity. In unfortunate death of policyholder during the term, the nominee will receive full sum assurance with accrued bonus even 0 though the policyholder receives any payment earlier.

Special Features: 10 % guaranteed profit on the deposited premiums at the end of 1/3 (one-third) of the term. Another 10 % guaranteed profit on the deposited premiums at the end of 2/3 (two-third) of the term. At maturity the full face amount will be paid with bonus. In case of death during the policy term, full face amount with accrued bonus will be payable to the beneficiary even if guaranteed profit is paid earlier.

Policy Term 12- 25 years. Single Premium Policy. On unfortunate death of the policyholder, the beneficiary will receive the full face amount.

If survive to the end of the term, policyholder will receive

Double of the Premium under Plan A
Two and half times of the premium under Plan B
Three times of the premium under Plan

Advantage in Single Premium policy is that there is no hassle for renewal payment. Policyholder also receives huge tax relief on the Premium.

Policy Term 12- 21 years. To provide maximum security to your family with your limited income, you need to take advantage of this plan to receive 5 types of benefits all under one plan. Premium as low as 5 taka per day !

If the policy is in force for the full term the following benefits are guaranteed:

1) Death Cover : On natural death, Face Amount will be payable to the nominee.

2) Accidental Death: On accidental death, nominee will receive double of the face Amount.

3) Disability Cover due to accident: Waiver of all future Premiums (Except Single Premium ) and 10 % of face amount payable per year in monthly installments for 10 years.

4) On Maturity: If any of the above events (death or disability) doesn't happen, total premiums will be returned to the policyholder with profit. Percentage of Profit will be equal to the policy term. For example, for 15 and 16 years policy the profit will be 15 % and 16 % respectively on the total premiums.

5) Free Insurance Cover: On survival of the term, Free insurance cover will be available for period of 5 years for the reduced amount. So in reality Life will be covered for (Policy Term + 5 yrs).

This plan has option of paying Single Premium

01. 25% of the initial Face amount will be payable after expiry of the 1/3 of the term. Life risk will be increased to 1.5 times of the initial SA at the same time.

02. 25% of the initial Face amount will be payable after expiry of the 2/3 of the term. Life risk will be increased to 2 times of the initial SA (double) at the same time.

03. At maturity, the rest of 50% of the initial Face amount will be payable with accrued bonus.

04. Beneficiary will receive 1.5 times or 2 times of the initial Face amount if policyholder dies after 1/3 or 2/3 of the policy respectively even if policyholder receives 25% or 50% of the Face amount earlier.

This endowment plan provides payment of full-face amount with bonus at maturity if the amount assured is not paid to the beneficiary earlier as a result of death of the policyholder. The unique feature of this policy is that the policyholders will have the opportunity to change the plan into almost anything of their liking in the future. After 5 years of the policy term policyholder will have the following options to modify his/her policy. The options are :

Option 1: Increase / Decrease the Policy Term. Premium rate will change accordingly and the modified rate will be less than the age basis premium rate given in the Rate chart.

Option 2: Increase / Decrease the Sum Assurance. Premium rate will change accordingly and the modified rate will be less than the age basis premium rate given in the Rate chart. Policyholder can exercise both the above options at the same time.

Option 3: Stop paying premiums. Get the coverage on life for higher sum assurance without any maturity value for the remaining term. This option is subject to certain rules and conditions.

Option 4: Stop paying premiums. Get the coverage on life for an extended term without any maturity value. This option is subject to certain rules and conditions.

Option 5: Stop paying premiums. Get the coverage on life for the same amount of sum assurance for the remaining term and receive all paid premiums with profit at maturity.

Option 6: Completely change the policy and opt for a different kind of plan. Premium rate will be changed accordingly. This option is subject to certain rules and conditions.

In modern times financial planning is very essential if you like to have a steady monthly income when you retire from your work. Annuities have an advantage over other investments in that the annuitant can never outlive the monthly income.

During your retirement you never need to worry how you will meet your monthly expenses as long as you live. Once started, Pension will continue throughout the lifetime of the pensioner with guaranteed period of 10 years. If policyholder dies before pension starts, all the premiums will be refunded to the beneficiary.

For a small additional premium extra Life Risk Coverage on the policyholder could be included in the policy. Sum assurance will be payable if policyholder dies before age 60 and before the pension starts.

Educational expenses are increasing every year so if you don't invest or allocate your money properly today you might not have enough money in the future to meet your child's educational expenses.

The earlier you start the cheaper your premium will be.

Monthly Stipend will start when the child is at class X, 1(one) year before S.S.C examination. Stipend will continue subject to the condition that he/she is a regular student and classes/examinations are regularly held. Total of 108 monthly stipends will be payable.

Stipends & Lump Sum Amount (per Unit)

Level of Education	Annual Stipend*	Duration of Payment	Total Stipend
Class X - S.S.C - H.S.C	Tk.    1,200	36 months (3 years)	Tk.   3,600
4-year Bachelor's Degree	Tk.    2,400	48 months (4 years)	Tk.   9,600
2-year Master's Degree	Tk.    3,600	24 months (2 years)	Tk.   7,200

After Graduation a Lump Sum amount equals to All paid premiums will be payable for Higher studies/Marriage/Business or anything.

* If anybody likes to modify monthly stipend amount please contact with us.

If policyholder dies before the stipend payment begins, all the future premiums will be waived (not applicable for Single Premium policy) and an annual allowance of Tk. 1200 per month (per Unit) will be payable to the child under the condition that the child remains the regular student. After S.S.C the stipend payment will start accordingly.

For a small additional premium, extra Life Risk Coverage on the policyholder could be included in the policy. Sum assurance will be payable if policyholder dies before age 60 and before stipend payment starts.

This plan has option of paying Single Premium.

Gift to a Child:

Single premium policy is the perfect gift idea for a newborn baby or for your child on the occasion of Birthday. What could be better gift than a plan which will assure bright future of your child!

Anybody can buy this plan for any child but the name of the proposer of this policy has to be the parent or the child’s local guardian.

01. When policyholder dies of natural cause before age 60, the family receive payment

02. If death occurs due to accident, the family receive payment

03. Policyholder receives lump sum amount if the accidental injuries causes permanent partial disability and the following losses :

04. If the accident results in non-recoverable permanent total disability for a period of 1 (one) year and makes the insured unable to perform any job that he/she is qualified for by training, experience or education, the policyholder receives cash payment.

05. If policyholder is admitted to hospital as an in-patient due to accidental injuries, he/she will receive daily benefit for each day of confinement up to 365 days.

06. No Claim Bonus: Portion of the premium will be refunded at the end of the term as no claim bonus if no claim is submitted.

1. On Death of the Policyholder :

a) 10 % of Sum Assurance (SA) is paid to the nominee.

b) 1 % of Sum Assurance per month to the child (if the child is alive) until the policy term expires.

c) Waiver of all future premiums

d) Payment of the SA at the end of the term.

2. On death of the Child :

a) If child were less than 6 months, 25% of SA payable.

b) If child were between 6 months and 1 year, 50% of SA payable.

c) If child were between 1 year and 2 years, 75% of SA payable.

d) If child were more than 2 years, 100% of SA payable.

3. On survival of both the parent and the child up to maturity:

Full Sum Assurance with bonus payable.

All kinds of hospital related expenses e.g. Room rent, Consultation fees, Routine Investigation, Medicines, Surgery and Ancillary services will be covered under this plan.

Single Premium	Policy Term	Sum Assurance (payable on death)	Maturity Value (payable at maturity if survives)
Premium amount will be decided by the Policyholder.	2 Years	150 % of Single Premium	110 % of Single Premium
	3 Years	150 % of Single Premium	120 % of Single Premium
	4 Years	175 % of Single Premium	130 % of Single Premium
	5 Years	175 % of Single Premium	140 % of Single Premium
	6 Years	200 % of Single Premium	150 % of Single Premium
	9 Years	200 % of Single Premium	200 % of Single Premium