Protection & Investments that meet Islamic principles

Nowadays, everyone aspires to live a hassle free life or a life which is less stressful at least in some ways if not all. However, apart from working hard, you need to plan ahead in order to protect yourself from all unforeseen circumstances. You need one solution that can connect with all your personal financials with ease and keep your family protected in case of any mishap.

In order to help you fulfill all your aspirations and future goals without compromising on your religious beliefs. Adamjee Life - Window Takaful Operations (Al-WTO) in collaboration with MCB Bank has designed Adamjee Life WTO Zaamin Plan the ultimate Shariah Compliant Certificate that offers a very good combination of protection and long term savings and also provides you greater flexibility to build a better life and realize your dream.

Apply for MCB Adamjee Life WTO Zaamin Plan today

For further details please contact our Bancassurance Sales Manager / Officer, at one of the selected MCB Bank Branches, or call 111-000-622


  • MCB Bank Limited is acting as a distributor of Adamjee Life WTO Zaamin Plan on behalf of Adamjee Life, and is not responsible in any manner, whatsoever, to the customer, his/her beneficiary/ies or any third party.
  • Adamjee Life is registered and supervised by Securities and Exchange Commission of Pakistan.
  • All MCB Adamjee Life WTO Zaamin Plan applications are processed and approved by Adamjee Life, as per their underwriting guidelines. MCB Bank Limited is not responsible for the processing and approval of these applications in any way, whatsoever.
  • 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(s) avail the service.

Basic Contribution Allocation

Basic Contributions are allocated as per the schedule shown below

Certificate Year Allocation Percentages
1 50%
2 70%
3 and Onwards 100%


  • Natural Death Benefit
    Sum Assured or Cash value whichever is higher less any partial withdrawals and Indebtedness.
  • Maturity Benefit
    (Cash Value Less any Indebtedness)
  • Optional benefits available through additional premium
    • Critical Illness
    • Spouse’s Rider
    • Waiver of Contribution Rider-Death
    • Waiver of Contribution Rider (WOP-Disability)
    • Monthly Income Benefit
    • Level Term Insurance
    • Accidental Death & Disability
  • Additional Benefits
    • Free built-in Pilgrimage Coverage
    • Monthly Annuity Benefit
    • Saving Booster
    • Partial Withdrawal
    • Inflation protection
    • Tax Benefit

Note: Additional benefits are subject to terms and conditions.

Free-Look Period

The certificate offers you a free-look period of 14 days, in which you can cancel your certificate by contacting Adamjee Life -WTO, and have your contribution refunded. However, as per law, Adamjee Life – WTO reserves the right to deduct the expenses incurred on medical examination(s) of the Life Covered in connection with the issuance of this Policy.

Certificate Terms & Eligibility

  • Minimum Entry Age:18 years (Age nearest birthday)
  • Maximum Entry Age:70 years (Age nearest birthday)
  • Minimum premium payment Term:10 years
  • Maximum Policy Term: up to age 80 year

Payment Modes

  • Annually
  • Half Yearly
  • Quarterly
  • Monthly


  • Management & Administration Charges: 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 Charges: PKR 500/-

*All charges are reviewable by the Company