30% p.a. on investment return of the WAQF<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nSurrender<\/h4>\nMembership holder has the option to surrender his membership before the completion of membership term, customer will receive current cash value of underlying units in the membership (after deduction of all applicable charges) which may be less than the total contribution paid.<\/p>\n Compulsory Rider<\/h4>\nBuilt-in Supplementary Benefit <\/b><\/p>\n Waiver of Contribution – Death Benefit <\/b><\/p>\n Offers in-built Waiver of Contribution – Death benefit, according to which, on Death of the insured person, Adamjee Life – WTO Waqf will pay the lower of initial (un-escalated) basic contribution or the last basic contribution paid by the participant for the remaining contribution paying term of the certificate. This certificate can be opted by parents to achieve expected amount at maturity which can be used to pay for higher education or marriage of their children.<\/p>\n Optional Rider<\/h4>\nYou can enhance the Protection Benefit by selecting any or all of the following optional Supplementary Benefits subject to payment of additional contribution.<\/p>\n Spouse Protection Supplementary Benefit<\/b><\/p>\n In the unfortunate event of the death of the covered person\u2019s spouse during the enforce term of this Supplementary Benefit, the Supplementary Benefit\u2019s sum covered is payable.<\/p>\n Level Term Supplementary Benefit<\/b><\/p>\n The feature guarantees as lump sum amount payable to the chosen beneficiary in case of death of the person covered.<\/p>\n Critical Illness Supplementary Benefit<\/b><\/p>\n A lump sum benefit is paid to you in case you are diagnosed with one of the listed 20t diseases during the enforce term of this Supplementary Benefit. The lump sum benefits additional to your main certificate benefit.<\/p>\n Accidental Death & Disability<\/b><\/p>\n A lump sum benefit is paid to you or your chosen beneficiary in case of accidental death & disability<\/p>\n Waiver of Contribution Supplementary Benefit (WOC-Disability)<\/b><\/p>\n On total permanent disability of the person covered, AL – WTO will pay the initial (un-escalated) basic contribution for the remaining term of the supplementary benefit or earlier recovery or death.<\/p>\n Monthly Income Benefit<\/b><\/p>\n On the death or permanent and total disability of the person covered due to accident or sickness during the in-force term of this supplementary benefit, AL – WTO shall pay a monthly income benefit for the remaining term of this Supplementary Benefit or earlier recovery or death.<\/p>\n Disclaimer<\/h4>\nThis product is underwritten by Adamjee Life Assurance Co. Ltd.-WTO It is not guaranteed or insured by \u201cBank\u201d or its affiliates and it is not a product of the Bank.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Adamjee Parvaaz WTO Takaful Savings Plan” tab_id=”1739344672819-5e5031ee-eed7″][vc_column_text]Adamjee Life\u2019s \u2013 (Window Takaful Operations) Adamjee Life WTO Parvaaz Takaful Savings Plan is a flexible unit link Investment Family Takaful Plan which provides both protection and savings. It ensures that your savings are invested in fully Shariah Compliant investment funds according to your risk appetite.<\/p>\n Membership Terms & Eligibility<\/h4>\nThe plan is available to all Habib Metropolitan Bank Limited customers between 18 to 70 years of age.<\/p>\n \n\n\nMin Entry Age<\/strong><\/td>\nMax Entry Age<\/strong><\/td>\nMin Membership Term<\/strong><\/td>\n<\/tr>\n<\/thead>\n\n\n18 Years<\/strong><\/td>\n70 Years<\/strong><\/td>\n10 Years<\/strong><\/td>\n<\/tr>\n<\/tbody>\n\n\nMin Contribution Paying Term<\/strong><\/td>\nMax membership Term<\/strong><\/td>\n| Max Contribution Paying Term<\/strong><\/td>\n<\/tr>\n<\/thead>\n | | | | | | | | | |