Secure Mustaqbil

Imagine yourself 10 years from now!

  • What do you see?
  • Your own Home?
  • Well educated and settled Children?
  • Or Vacations to exotic places?
  • What are you doing, now, to live your dreams?
Apart from working hard, you need to plan ahead. You need one solution that can connect with all your personal financials with ease and keep your family protected in case of any mishap.
Adamjee Life products have been designed in such a way that they can be customized to cater your specific needs. Our highly trained Certified Financial Advisors understand your growing financial requirements and provide ideal tailor-made financial solutions.
Securing your future is what we do, it’s a part of who we are, so we encourage you to think ahead and start planning today.
Because something as important as your dreams cannot be left to chance.

Adamjee Life Secure Mustaqbil is a unique lif e insurance plan that offers you a combination of investment and protection solutions and the flexibility to customize your plan to cater to y our specific needs. With a variety of riders and features you can tailor your plan to address the following future financial responsibilities.

Saving for children’s wedding
Saving for their education
Saving for your own post retirement income
Saving to buy property or house

One Stop Solution:
All your financial necessities (saving, Investment and Protection) are ideally fulfilled under one umbrella.
Design your Own Product:
It gives you the power to design your own product as per your need with the help of our Certified Financial Advisor Bonus in order to boost your investment, the plan offers a large 30% bonus on 11th year.
Flexibility and Customization:
It gives you the flexibility to choose from various diversified investment funds with a combination of investment strategies based on your particular requirements and risk appetite.
Islamic Fund Option with Amaanat Fund:
You have the option to invest in shariah compliant investment instruments in line with your religious beliefs.
Investment Booster (Adhoc) Premium:
It gives you the option to add or withdraw additional amount over and above the regular premium at any time during policy term in order to boost your investment amount.
Tax Rebate:
You can enjoy the benefits of Tax savings on life insurance by investing in the plan.
Cover Multiple:
You also have the freedom to increase the financial security for your loved ones by choosing an Enhanced Sum Assured through cover multiple options of up to 200 times of your premium amount
Protection Benefit:
In case the insured dies during the plan term, the sum assured or accumulated account value whichever is higher less any partial withdrawals and indebtedness, will be paid to the beneficiary (ies).
Plan Maturity Benefit:
At the time of maturity of the policy term the insured will get the amount equal to his/her account value.
Partial Withdrawal:
To make sure that all your urgent monitory requirements are taken care of, the plan offers the option of making partial withdrawals from your account value after the plan has been enforce for 3 years.
Free- Look Period:
The plan offers a free-look period of 14 days, in which you can cancel your policy by contacting Adamjee Life, and have your premium refunded.
Investment Booster: (Ad-Hoc)
By depositing a minimum payment of Rs. 10,000 (over and above your regular premium) you can enhance the growth of your invested capital through Investment Booster. Investment Booster payment which has no upper limit will be allocated at 100% in the unit account and can be made & withdrawn anytime during the plan term to boost your accumulated cash value.
Loan Facility:
After first 2 years of the policy ter m you can take a loan of up to 50% of the net cash sur render value, which is the Account Value minus surrender charge. Loan facility is provided to cater to your shor t term or immediate financial requirements.
Inflation protection: (Indexation)
This is a value-added feature to cover the inflation impact. Your contributions will increase every year by 5% or 10% of the previous years’ contributions with this option. The cash value will also increase accordingly.

Contributions made towards the plan are invested in various investment vehicles including equities, fixed interest instruments, bonds and other money market instruments. Diversification is achieved by selecting mix of instruments in order to optimize the returns. Funds are managed by a team of expert investment managers, who adjust the investment mix in light of economic conditions, market trends and investment opportunities.

Investment Secure Fund:
Is a moderate to low risk profile fund that generates stable & secure returns by balancing the investment in long term money market investments including Govt. securities and bonds as well as equities.

Investment Multiplier Fund:
Is a moderate to high risk profile fund that generates higher returns over the long run with a mix of investments in equities along with money market instruments.

Amaanat Islamic fund:
Is a moderate to low risk profile fund that generates stable returns over the long run with a mix of investments in shariah compliant investment vehicles such as Sukook and strong shariah compliant equities with the balance in cash. You are entitled to two initial free fund switches at anytime during every plan year and each subsequent switch would be charged at Rs. 300.

As you continue the policy towards its full term, your Account Value will be credited with a proportion of Basic Premiums that you pay. The proportions allocated to your Account Value will be as follows:
Policy & Premium Year % of Basic Premium Allocated
to Unit Account
Surrender Charges as % of
Unit Account Value
1 30 100
2 80 50
3 90 25
4 – 7 100 Nil
7 & onwards 103 Nil

Annual continuation bonuses are provided to customers who continue the policy. The Continuation bonus allocation is as follows:

Policy & Premium Year % of Basic Premium Allocated
to Unit Account
Year 11 30%

Critical Illness Rider (CI):
The CI rider provides coverage against major life threatening diseases mentioned in the policy details. In case the insured is diagnosed with any of the mentioned illnesses a lump sum benefit is paid. This lump sum amount is in addition to your main plan benefit.

Accidental Protection (Death & Disability):
Accidents and mishaps always come unexpected and uninvited and we have to make sure that not only us but our loved ones are protected against such mishaps. With Adamjee Life Accidental Protection you assure that a substantial additional amount is paid to your chosen beneficiary in case of any unfortunate accident that may result in disability or loss of life.

Accidental Protection (Death):
With Adamjee Life Accidental Protection rider the nominated beneficiary receives a lump sum amount in case the insured person dies due to an accident.

Spouse Protection Rider (SPR):
In the unfortunate event of the death of the insured person’s spouse during the enforce term of this rider, a lump sum amount is given to the nominated beneficiary. The feature is aimed at providing complete family coverage to the insured person’s family.

Monthly Income Benefit Rider (MIB):
MIB rider as the name suggests, provides monthly income to the family of the insured for the defined term of income benefit rider from the date of death or permanent disability

Level Term Insurance Rider (LTR):
This feature guarantees a lump sum amount payable to your chosen beneficiary in case of death of insured person over and above the sum assured and cash value amount.

Waiver of Premium Rider-disability (WOP-Disability):
If God forbid, the insured person gets permanently disabled, Adamjee Life will bear the annual basic premiums for the remaining term of the rider and the insured person will receive the maturity benefit at the end of the policy term. This rider acts as a protection for the insured person’s policy in case of any mishap.

Min Entry Age Max Entry Age Min Policy Term
18 years
(Age nearest birthday)
65 years
(Age nearest birthday)
10 years


Min premium Max Policy Term Max Paying Term
10 years Up to age 85 25 years
Min basic premium Payment modes
Monthly PKR. 2000 Annual
Quarterly PKR. 4000 Semi-annual
Semi Annual PKR. 6000 Quarterly
Annual PKR 8,000 Monthly
Policy Fee:
Management (& Administration) Charge:
An annual charge of 1.75% of the Cash Value deducted on a monthly basis.
Bid/Offer Spread:
5% of all premiums allocated to the Unit Account.
Surrender Charge:
Rs. 350/=
Fund Switching:
The first two switches in a Policy Year are free. A charge of Rs. 300 will be made for any further switches in that Policy Year.
• Secure Mustaqbil is a Unit Linked Plan which is subject to investment risk and the cash value of the plan will
  vary directly with the performance of the unit fund.
• Adamjee Life is registered and supervised by Securities and Exchange Commission of Pakistan.
• A personalized illustration of benefits will be provided to you by our sales representative. Please refer to the
  notes in the illustration for a detailed understanding of the various Terms and Conditions.
• All Secure Mustaqbil applications are processed and approved by Adamjee Life, as per their underwriting
• This brochure only provides an introduction to the benefits available under the policy. A detailed description
  of how the contract works is given in the ‘Terms and Conditions’, which will be provided after the customer
  avails the service.
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