Adamjee Life WTO Noor Islami 6 (sides)- Bilingual

2
111-11-LIFE(5433) www.adamjeelife.com Adamjee Life Assurance Co. Ltd. Window Takaful Operations Principal Office: 3rd and 4th Floor, Adamjee House, I.I.Chundrigar Road, Karachi - 74000 UAN: +92-111-11-LIFE(5433) Fax: +92-21-38630011 Adamjee Life WTO Noor Al Islami Plan Hassle-free life with a stable income and aspiring for a happy and prosperous life tomorrow is everyone’s dream that they want to realize. However, the irony is present financial situa�on may not be supreme factor to vassure a secure financial future. Your commitments a––nd priori�es vary in �mes to come. However, with proper financial Planning and wise investments you could enjoy a life of your aspira�ons. Adamjee Life WTO Noor-al-Islami Cer�ficate is the ul�mate Shariah compliant Family Takaful Cer�ficate in the market with the flexibility of choosing from the various kind of protec�on and investment op�ons. Adamjee Life WTO Noor al Islami Cer�ficate is designed to help you Plan your future financial needs. This Cer�ficate is a Shariah compliant investment and financial protec�on solu�on which can secure your future financial well-being. What is Takaful? The word Takaful is derived from the Arabic verb Kafala, which means to guarantee; to help; to take care of one’s needs. Takaful is a system of Islamic insurance based on the principle of Ta’awun (mutual assistance) and Tabarru (voluntary contribu�on), where risk is shared collec�vely by a group of par�cipants, who by paying contribu�ons to a common fund, agree to jointly assist themselves against loss or damage to any one of them as defined in the pact. Takaful is operated on the basis of shared responsibility, brotherhood, solidarity and mutual coopera�on. How Does the Takaful Membership Operate? Adamejee Life- Window takaful Opera�ons (AL-WTO) takaful model is based on the Wakalah-Waqf principal. Individuals in the community come together for a common purpose and contribute into a Waqf Fund operated by a Window Takaful Operator to protect themselves against future financial losses. Benefits Of Adamjee Life WTO Noor Al Islami Plan • Free- Look Period The cer�ficate offers a free-look period of 14 days during which you can cancel your cer�ficate by contac�ng Adamjee Life - WTO, and have your contribu�on refunded. However, AL - WTO reserves the right to deduct the expenses incurred on medical examina�on(s) of the par�cipants in connec�on with the issuance of this cer�ficate (if any). • Protec�on Benefit In case the covered person dies during the cer�ficate term, the sum covered or accumulated cash value whichever is higher less any par�al withdrawals, will be paid to the beneficiary(ies). • Choice of Family Takaful Coverage You have the op�on to choose from the different levels of family takaful coverage ranging from 5 to 30 protec�on mul�ple for the same amount of contribu�on. • Cer�ficate Maturity Benefit At the �me of maturity of the cer�ficate term the person covered will get the amount equal to his/her cash value. • Investment Booster: (Ad-Hoc) / Top-up By deposi�ng a minimum payment of Rs. 10,000/- (over and above your regular contribu�on) you can enhance the growth of your invested capital Free built-in Pilgrimage Coverage* PKR 2 Million Coverage on Accidental Death during Hajj. *Coverage will be terminate when person covered reached Age 65. Optional Supplementary Riders You can enhance the Protec�on Benefit by selec�ng any or all of the following op�onal Supplementary Benefits subject to payment of addi�onal contribu�on. • Spouse Protec�on Supplementary Benefit In the unfortunate event of the death of the covered person’s spouse during the enforce term of this Supplementary Benefit, the Supplementary Benefits’ sum covered is payable. • Level Term Supplementary Benefit The feature guarantees as lump sum amount payable to the chosen beneficiary in case of death of the person covered. • Waiver of Contribu�on Supplementary Benefit (WOC-Death) On death of the person covered, AL - WTO will pay the ini�al (un-escalated) basic contribu�on for the remaining term of the rider into unit account, The beneficiary will receive the maturity benefit at the end of the cer�ficate term. • Cri�cal Illness Supplementary Benefit A lump sum benefit is paid to you in case you are diagnosed with one of the listed 20 diseases during the enforce term of this Supplementary Benefit. The lump sum benefit is addi�onal to your main cer�ficate benefit. • Accidental Death & Disability A lump sum benefit is paid to you or your chosen beneficiary in case of accidental death & disability • Waiver of Contribu�on Supplementary Benefit (WOC-Disability) On total permanent disability of the person covered, AL - WTO will pay the ini�al (un-escalated) basic contribu�on for the remaining term of the supplemen- tary benefit or earlier recovery or death. • Monthly Income Benefit 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. • Hospital Cashback Benefit On admission in the hospital due to injury or sickness for consecu�ve period of at least 24 hours, daily cash benefit will be paid. For admission in Intensive care unit (ICU), the cash benefit payable will be increased to twice the daily cash benefit. Following three plans are available to choose from for daily cash benefit: through Top up. Top Up payment which has no upper limit will be allocated at 103% in the unit account and can be made & withdrawn any�me during the cer�ficate term to boost your accumulated cash value. • Tax (Benefits): "As per the sec�on 62 (ii)of Income Tax Ordinance 2001, a resident person other than a company shall be en�tled to tax credit in a tax year in respect of any family takaful contribu�on paid on a cer�ficate to a takaful operator provided he is deriving income from salary or business. Such tax credit shall be provided at his average tax rate in that year on invested family takaful contribu�on amount which can be lower of 20% of his taxable income or Rs. 2 million. If contribu�on amount is withdrawn within 24 months, the tax credit given earlier shall be reversed back in respec�ve year". • Par�al Withdrawal Cer�ficate offers the op�on of making par�al withdrawals from your cash value. Withdrawals can be made 4 �mes in a cer�ficate year and are limited to 50% of the net cash surrender value subject to maintaining a minimum Net Cash Surrender Value of Rs. 20,000/-. The minimum Net Cash Surrender Value limit may be revised by the Operator from �me to �me. • Infla�on protec�on/Indexa�on (Op�onal) This is a value-added feature to cover the infla�on impact. Your contribu�on will increase every year by 5% or 10% of the previous years’ contribu�on with this op�on. The cash value will also increase accordingly. • Monthly Annuity Benefit (Op�onal) On survival of the Person Covered �ll maturity of the Cer�ficate, the Monthly Annuity Benefit (if opted) will be given as per the term selected by the Person Covered. The term can be 5, 10, 15 or 20 years. The units will remain invested over the annuity term. A minimum annuity benefit of Rs.5000 per month is applicable. If the annuity amount falls below this, the annuity will be terminated and the balance paid out as a lump-sum. Investment Options – An Opportunity for Growth Contribu�ons paid for Adamjee Life WTO Noor Al Islami shall be invested by default in low or conserva�ve risk funds. However, you may choose to invest in a moderate to high risk funds described below that suits your investment strategy and risk appe�te. The returns earned a�er deduc�on of risk charges, monthly admin and investment management charges are credited to the unit account balance and accumulate as the cer�ficate holder’s cash value. Our low or conserva�ve risk funds include: Tameen Fund: A moderate to low risk profile fund that generates stable and secure returns by balancing the investment in long-term money market investments including term deposit in Islamic Banks and Sukuk Bonds. Our moderate to high risk funds include: Mazaaf Fund: A moderate to high-risk profile fund that generates higher returns over the long run in shariah compliant equi�es and Islamic mutual fund. Saman Fund: A moderate risk profile fund that aims to generate steady returns from investments in wide variety of Shariah compliant fixed income securi�es, Term deposits in Islamic Banks and Government securi�es with limited exposure to Shariah compliant. 1 2 3 & onwards 60 70 100 Cer�ficate Year % of Basic Contribu�on Allocated to PIA Account Surrender Charges as % of PIA Account Value 0 0 0 Contribution Allocation & Surrender Charges: Bonus Allocation: As you con�nue the par�cipa�on for longer term you will gain the higher rewards in terms of Con�nua�on Bonuses. The extra units will be allocated to your account value. This extra units alloca�on is in addi�on to the basic units of alloca�ons, provided Cer�ficate has been in-force through the regular and �mely payment of Contribu�ons, not being lower or less than the ini�al Basic Contribu�on and there has been no par�al withdrawal taken from the Cer�ficate. The Con�nua�on Bonus alloca�on is as follows. *A�er comple�on of 10 cer�ficate years and cer�ficate remains inforce through �mely payment of contribu�on regardless of the maturity of the Cer�ficate, the par�cipant is eligible for Bonus on any one of these Life events (whichever comes first) during the en�re tenure of the cer�ficate. Subject to sa�sfactory proofs. 1,500 3,500 6,500 A B C Benefits Plan Annual Premium (Rs.) 4,000 10,000 20,000 Allowance in case of Admission to ICU (Rs. per day) Daily Cash Allowance for Hospitaliza�on (Rs. per day) 2,000 5,000 10,000 Cer�ficate Year 5 7 10 Life Event Bonuses* 10% 20% 30% % of Ini�al Basic Contribu�on Allocated to PIA Account - 50% Bonus on Son’s University Admission - 50% Bonus on Daughter’s Wedding - 50% Bonus on Re�rement Charges Cer�ficate Fee: Fund Management Charges: Wakalat-ul-Is�smaar Fee: Bid/ Offer Spread: Takaful Contribu�on: Surrender & Par�al withdrawal Processing Fee: Fund Transfer Fee: Mudharib’s Share: Nil An annual Fee of 1.75% of the Cash Value from the PIA deducted on a monthly basis Year 1 : 40%, Year 2: 30%, Year 3 Onward: 0% 5% of all contribu�ons allocated to the unit account With reference to a�ained age and based on the mortality table. A por�on, 35% of Takaful Contribu�on will go to Operator's Sub-Fund as PTF management fee Rs. 500/- per Surrender/Withdrawal The first two switches in a cer�ficate Year are free. A charge of Rs. 300 will be made for any further switches in that year 30% p.a. on investment return of the WAQF Certificate Terms & Eligibility Basic Contribution Payment mode: Minimum Contribu�on: • Payment Mode: (Annual, Semi-Annual, Quarterly & Monthly) Disclaimer: • This product is underwri�en by Adamjee Life Assurance Company Limited – Window Takaful Opera�ons (WTO). It is not guaranteed or issued by “Bank” or its affiliates and is not a product of the Bank. • The Bank is ac�ng as a corporate takaful agent of Adamjee Life Assurance Company Limited - WTO which underwrites the plan and the Bank shall not be held responsible for any liability under the plan in any manner whatsoev- er to the par�cipant (s) or claimants(s). • Adamjee Life WTO Noor Al Islami is a Unit Linked takaful Plan which is subject to investment risk. The investment risk shall be borne by the par�cipant and actual maturity and surrender values may be lower or higher than the projected figures. • Adamjee Life WTO Noor Al Islami applica�ons are processed and approved by Adamjee Life Assurance Co. Ltd. - WTO, as per their underwri�ng guidelines. “Bank” is not responsible for processing and approval of these applica�ons in any way, whatsoever. • This brochure only provides an introduc�on to the benefits available under the plan. A detailed descrip�on of how the contracts works is given in “Terms & Condi�ons” a�ached with the Par�cipant Membership Document (PMD) , which will be provided a�er the issuance of the cer�ficate. • The past performance of the investment fund is not necessarily a guide to future performance. Any forecast is not necessarily indica�ve of future or likely performance of the funds and neither Adamjee Life Assurance Co. Ltd. - WTO nor “Bank” will incur any liability for the same. • A personalized illustra�on of benefits will be provided to you by our sales representa�ve. Please refer to the notes in the illustra�on for a detailed understanding of the various terms and condi�ons along with in the projected cash values. These values are only for understanding purpose and can be go up or down and not guaranteed.). Min entry age Min Contribu�on paying term 5 years 18 years Max entry age Max Cer�ficate Term 25 years or up to age of 80 whichever comes first 70 years Min Cer�ficate term 10 years Max Contribu�on paying term Equal to Cover Term Mode Minimum Contribu�on per installment Annual Semi-Annual Quarterly Monthly Rs.20,000/- Rs.15,000/- Rs.10,000/- Rs. 5,000/- (Rs. 30,000/- Annually) (Rs. 40,000/- Annually) (Rs. 60,000/- Annually) Adamjee Life WTO Noor Al Islami Plan

Transcript of Adamjee Life WTO Noor Islami 6 (sides)- Bilingual

Page 1: Adamjee Life WTO Noor Islami 6 (sides)- Bilingual

111-11-LIFE(5433) www.adamjeelife.com

Adamjee Life Assurance Co. Ltd.Window Takaful Operations

Principal Office: 3rd and 4th Floor, Adamjee House,I.I.Chundrigar Road, Karachi - 74000

UAN: +92-111-11-LIFE(5433) Fax: +92-21-38630011

Adamjee Life WTO Noor Al Islami PlanHassle-free life with a stable income and aspiring for a happy and prosperous life tomorrow is everyone’s dream that they want to realize.

However, the irony is present financial situa�on may not be supreme factor to vassure a secure financial future. Your commitments a––nd priori�es vary in �mes to come. However, with proper financial Planning and wise investments you could enjoy a life of your aspira�ons.

Adamjee Life WTO Noor-al-Islami Cer�ficate is the ul�mate Shariah compliant Family Takaful Cer�ficate in the market with the flexibility of choosing from the various kind of protec�on and investment op�ons.

Adamjee Life WTO Noor al Islami Cer�ficate is designed to help you Plan your future financial needs. This Cer�ficate is a Shariah compliant investment and financial protec�on solu�on which can secure your future financial well-being.

What is Takaful?The word Takaful is derived from the Arabic verb Kafala, which means to guarantee; to help; to take care of one’s needs. Takaful is a system of Islamic insurance based on the principle of Ta’awun (mutual assistance) and Tabarru (voluntary contribu�on), where risk is shared collec�vely by a group of par�cipants, who by paying contribu�ons to a common fund, agree to jointly assist themselves against loss or damage to any one of them as defined in the pact. Takaful is operated on the basis of shared responsibility, brotherhood, solidarity and mutual coopera�on.

How Does the Takaful Membership Operate?Adamejee Life- Window takaful Opera�ons (AL-WTO) takaful model is based on the Wakalah-Waqf principal. Individuals in the community come together for a common purpose and contribute into a Waqf Fund operated by a Window Takaful Operator to protect themselves against future financial losses.

Benefits Of Adamjee Life WTO Noor Al Islami Plan• Free- Look PeriodThe cer�ficate offers a free-look period of 14 days during which you can cancel your cer�ficate by contac�ng Adamjee Life - WTO, and have your contribu�on refunded. However, AL - WTO reserves the right to deduct the expenses incurred on medical examina�on(s) of the par�cipants in connec�on with the issuance of this cer�ficate (if any).• Protec�on BenefitIn case the covered person dies during the cer�ficate term, the sum covered or accumulated cash value whichever is higher less any par�al withdrawals, will be paid to the beneficiary(ies).• Choice of Family Takaful CoverageYou have the op�on to choose from the different levels of family takaful coverage ranging from 5 to 30 protec�on mul�ple for the same amount of contribu�on.• Cer�ficate Maturity BenefitAt the �me of maturity of the cer�ficate term the person covered will get the amount equal to his/her cash value.• Investment Booster: (Ad-Hoc) / Top-upBy deposi�ng a minimum payment of Rs. 10,000/- (over and above your regular contribu�on) you can enhance the growth of your invested capital

Free built-in Pilgrimage Coverage*PKR 2 Million Coverage on Accidental Death during Hajj.*Coverage will be terminate when person covered reached Age 65.

Optional Supplementary RidersYou can enhance the Protec�on Benefit by selec�ng any or all of the following op�onal Supplementary Benefits subject to payment of addi�onal contribu�on.• Spouse Protec�on Supplementary BenefitIn the unfortunate event of the death of the covered person’s spouse during the enforce term of this Supplementary Benefit, the Supplementary Benefits’ sum covered is payable.• Level Term Supplementary BenefitThe feature guarantees as lump sum amount payable to the chosen beneficiary in case of death of the person covered.• Waiver of Contribu�on Supplementary Benefit (WOC-Death)On death of the person covered, AL - WTO will pay the ini�al (un-escalated) basic contribu�on for the remaining term of the rider into unit account, The beneficiary will receive the maturity benefit at the end of the cer�ficate term.• Cri�cal Illness Supplementary BenefitA lump sum benefit is paid to you in case you are diagnosed with one of the listed 20 diseases during the enforce term of this Supplementary Benefit. The lump sum benefit is addi�onal to your main cer�ficate benefit.• Accidental Death & DisabilityA lump sum benefit is paid to you or your chosen beneficiary in case of accidental death & disability• Waiver of Contribu�on Supplementary Benefit (WOC-Disability)On total permanent disability of the person covered, AL - WTO will pay the ini�al (un-escalated) basic contribu�on for the remaining term of the supplemen- tary benefit or earlier recovery or death.• Monthly Income BenefitOn 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.• Hospital Cashback BenefitOn admission in the hospital due to injury or sickness for consecu�ve period of at least 24 hours, daily cash benefit will be paid. For admission in Intensive care unit (ICU), the cash benefit payable will be increased to twice the daily cash benefit.

Following three plans are available to choose from for daily cash benefit:

through Top up. Top Up payment which has no upper limit will be allocated at 103% in the unit account and can be made & withdrawn any�me during the cer�ficate term to boost your accumulated cash value.• Tax (Benefits):"As per the sec�on 62 (ii)of Income Tax Ordinance 2001, a resident person other than a company shall be en�tled to tax credit in a tax year in respect of any family takaful contribu�on paid on a cer�ficate to a takaful operator provided he is deriving income from salary or business. Such tax credit shall be provided at his average tax rate in that year on invested family takaful contribu�on amount which can be lower of 20% of his taxable income or Rs. 2 million. If contribu�on amount is withdrawn within 24 months, the tax credit given earlier shall be reversed back in respec�ve year".• Par�al WithdrawalCer�ficate offers the op�on of making par�al withdrawals from your cash value. Withdrawals can be made 4 �mes in a cer�ficate year and are limited to 50% of the net cash surrender value subject to maintaining a minimum Net Cash Surrender Value of Rs. 20,000/-. The minimum Net Cash Surrender Value limit may be revised by the Operator from �me to �me.• Infla�on protec�on/Indexa�on (Op�onal)This is a value-added feature to cover the infla�on impact. Your contribu�on will increase every year by 5% or 10% of the previous years’ contribu�on with this op�on. The cash value will also increase accordingly.• Monthly Annuity Benefit (Op�onal)On survival of the Person Covered �ll maturity of the Cer�ficate, the Monthly Annuity Benefit (if opted) will be given as per the term selected by the Person Covered. The term can be 5, 10, 15 or 20 years. The units will remain invested over the annuity term. A minimum annuity benefit of Rs.5000 per month is applicable. If the annuity amount falls below this, the annuity will be terminated and the balance paid out as a lump-sum.

Investment Options – An Opportunity for GrowthContribu�ons paid for Adamjee Life WTO Noor Al Islami shall be invested by default in low or conserva�ve risk funds. However, you may choose to invest in a moderate to high risk funds described below that suits your investment strategy and risk appe�te. The returns earned a�er deduc�on of risk charges, monthly admin and investment management charges are credited to the unit account balance and accumulate as the cer�ficate holder’s cash value.Our low or conserva�ve risk funds include:Tameen Fund: A moderate to low risk profile fund that generates stable and secure returns by balancing the investment in long-term money market investments including term deposit in Islamic Banks and Sukuk Bonds.

Our moderate to high risk funds include:Mazaaf Fund: A moderate to high-risk profile fund that generates higher returns over the long run in shariah compliant equi�es and Islamic mutual fund.

Saman Fund: A moderate risk profile fund that aims to generate steady returns from investments in wide variety of Shariah compliant fixed income securi�es, Term deposits in Islamic Banks and Government securi�es with limited exposure to Shariah compliant.

12

3 & onwards

6070

100

Cer�ficate Year % of Basic Contribu�onAllocated to PIA Account

Surrender Charges as% of PIA Account Value

000

Contribution Allocation & Surrender Charges:

Bonus Allocation:As you con�nue the par�cipa�on for longer term you will gain the higher rewards in terms of Con�nua�on Bonuses. The extra units will be allocated to your account value. This extra units alloca�on is in addi�on to the basic units of alloca�ons, provided Cer�ficate has been in-force through the regular and �mely payment of Contribu�ons, not being lower or less than the ini�al Basic Contribu�on and there has been no par�al withdrawal taken from the Cer�ficate. The Con�nua�on Bonus alloca�on is as follows.

*A�er comple�on of 10 cer�ficate years and cer�ficate remains inforce through �mely payment of contribu�on regardless of the maturity of the Cer�ficate, the par�cipant is eligible for Bonus on any one of these Life events (whichever comes first) during the en�re tenure of the cer�ficate. Subject to sa�sfactory proofs.

1,5003,5006,500

ABC

Benefits Plan AnnualPremium (Rs.)

4,00010,00020,000

Allowance in case ofAdmission to ICU

(Rs. per day)

Daily Cash Allowance forHospitaliza�on

(Rs. per day)2,0005,000

10,000

Cer�ficate Year

57

10

Life Event Bonuses*

10%20%30%

% of Ini�al Basic Contribu�onAllocated to PIA Account

- 50% Bonus on Son’s UniversityAdmission - 50% Bonus on Daughter’s Wedding- 50% Bonus on Re�rement

Charges

Cer�ficate Fee:Fund ManagementCharges:

Wakalat-ul-Is�smaar Fee:

Bid/ Offer Spread:

Takaful Contribu�on:

Surrender & Par�alwithdrawal Processing Fee:

Fund Transfer Fee:

Mudharib’s Share:

Nil

An annual Fee of 1.75% of the Cash Value from the PIA deducted on a monthly basis

Year 1 : 40%, Year 2: 30%, Year 3 Onward: 0%

5% of all contribu�ons allocated to the unit account

With reference to a�ained age and based on the mortality table. A por�on, 35% of Takaful Contribu�on will go to Operator's Sub-Fund as PTF management fee

Rs. 500/- per Surrender/Withdrawal

The first two switches in a cer�ficate Yearare free. A charge of Rs. 300 will be made for any further switches in that year

30% p.a. on investment return of the WAQF

Certificate Terms & Eligibility

Basic Contribution Payment mode:Minimum Contribu�on:

• Payment Mode: (Annual, Semi-Annual, Quarterly & Monthly)

Disclaimer:• This product is underwri�en by Adamjee Life Assurance Company Limited – Window Takaful Opera�ons (WTO). It is not guaranteed or issued by “Bank” or its affiliates and is not a product of the Bank.• The Bank is ac�ng as a corporate takaful agent of Adamjee Life Assurance Company Limited - WTO which underwrites the plan and the Bank shall not be held responsible for any liability under the plan in any manner whatsoev-er to the par�cipant (s) or claimants(s).• Adamjee Life WTO Noor Al Islami is a Unit Linked takaful Plan which is subject to investment risk. The investment risk shall be borne by the par�cipant and actual maturity and surrender values may be lower or higher than the projected figures.• Adamjee Life WTO Noor Al Islami applica�ons are processed and approved by Adamjee Life Assurance Co. Ltd. - WTO, as per their underwri�ng guidelines. “Bank” is not responsible for processing and approval of these applica�ons in any way, whatsoever.• This brochure only provides an introduc�on to the benefits available under the plan. A detailed descrip�on of how the contracts works is given in “Terms & Condi�ons” a�ached with the Par�cipant Membership Document (PMD) , which will be provided a�er the issuance of the cer�ficate.• The past performance of the investment fund is not necessarily a guide to future performance. Any forecast is not necessarily indica�ve of future or likely performance of the funds and neither Adamjee Life Assurance Co. Ltd. - WTO nor “Bank” will incur any liability for the same.• A personalized illustra�on of benefits will be provided to you by our sales representa�ve. Please refer to the notes in the illustra�on for a detailed understanding of the various terms and condi�ons along with in the projected cash values. These values are only for understanding purpose and can be go up or down and not guaranteed.).

Min entry age

Min Contribu�onpaying term

5 years

18 years

Max entry age

Max Cer�ficate Term

25 years or up to age of 80 whichever comes first

70 years

Min Cer�ficate term

10 years

Max Contribu�on paying term

Equal to Cover Term

Mode Minimum Contribu�on per installment

AnnualSemi-Annual

QuarterlyMonthly

Rs.20,000/-Rs.15,000/-Rs.10,000/-Rs. 5,000/-

(Rs. 30,000/- Annually)(Rs. 40,000/- Annually)(Rs. 60,000/- Annually)

Adamjee LifeWTO

Noor Al Islami Plan

Page 2: Adamjee Life WTO Noor Islami 6 (sides)- Bilingual

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