Share ‘n Care Savings

The Halal & Ethical Way to Fulfill your Financial Protection and Savings Needs

If you are failing to plan then you are planning to fail

Life is unpredictable; one day we are basking in our glories and the other day, mourning a loss. What the future holds for us, and more importantly, for our families, is uncertain: it could either be a life of ease or a life of hardships and it depends to a great extent on whether we have planned ahead.

As the age-old saying goes: it is better to be safe than sorry. People who understand the importance of future planning are the most successful ones, both in this life and the hereafter. They know that protecting their loved ones from what looms ahead in the future is equally important as keeping them safe from what threatens them today.

If you too are interested in giving your family a financially secure future, then delay not, for delay can sometimes be very costly. Apply today for our Share ‘n Care Plan which functions on the principles of Takaful to cater to your protection and long-term savings and investment needs.

Sharing and Caring – the Takaful Way

It’s the little drops that make the ocean. Imagine if you save a little every month or every year for the complete duration of the Share ‘n Care term, how much you would have saved! A small commitment and discipline can go a long way in securing the fulfillment of your responsibilities.

Share ‘n Care™ is a multi-purpose financial protection and savings Takaful which invests your small savings and grows it into a large fund to take care of all your future financial needs, such as:

• Children’s Marriage
• Retirement Income
• Buying a New House
• Pilgrimage for Hajj/Umrah
• Family Vacations, etc

Benefits Offered Under Share ‘n Care Savings Takaful

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In an event of Participant’s death during membership term:

The basic plan offers the option of lump sum or periodic payments if, God forbid, any participant passes away during the term of his/her membership. The amount paid is called the Face Amount which depends on the term and the contribution level selected. If, however, the Cash Value is higher than the Face Value, then the Cash Value is paid.

Supplementary Takaful Benefits:

Participants can customize the level of financial protection according to their needs by adjusting the amounts of Contribution to the Waqf Fund: 1. Accidental Death and Dismemberment 2. Family Income Benefit 3. Waiver of Contribution 4. Hospital Daily Allowance

Investment Management:

Pak-Qatar Family Takaful has set up three investment fund strategies. In each Fund a different investment strategy is being followed depending upon the participant’s risk-reward appetite. You have the option to switch between these strategies at any time during the year without any charges for up to 3 switches a year.

Fund (Strategy)	Potential Reward
Conservative	Low Risks and Steady Growth
Balanced	Balanced Risks and Balanced Growth
Aggressive	High Risks and High Returns

See our Latest Investment Performance

A Simple Example to Illustrate the Benefits of Share ‘n Care Takaful
Mr. Abdur Rehman is a 35 year old with 3 children aged 3, 5, and 7 years. The Plan specifications and Benefits of his Share ‘n Care Membership is illustrated hereunder:

Assumed Particulars:

Age	35 years
Age of Child	-
Membership Term	25 years
Annual Increase in Contribution (Indexation)	10%
Yearly Contribution	Rs. 60,000/-
Fund Strategy	Balanced: 100%
Supplementary Benefits Opted	Accidental Death & Dismemberment (AD&D)
Expected Growth Rate	10%

Benefits Payable:

On Maturity/Completion of Term	Rs. 13,047, 519 (Expected)
On Natural Loss of Life	Rs. 1,500,000 minimum
On Loss of Life due to Accident	Rs. 3,000,000 minimum
On Permanent and Total Disability	Rs. 1,500,000

To contact us, please visit your nearest branch office, call us or write us an email at    familytakaful@pakqatar.com.pk