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A long-term retirement savings plan  that gives you control over your future by  providing you  the  

 flexibility to select the protection level and investment that best suits your needs. ​


  • Minimum premium amount option of PKR 18,000/-
  • Monthly, quarterly, biannually and yearly-premium payment options​.

  • Option of surrendering the policy after two years, if initial two years’ premiums has been paid in full​.

  • 14 days free look up period allowing you to review your policy terms & conditions and cancel the policy, if necessary​.


Death Benefit

  • Unfortunate demise of policy holder, allows the nominated beneficiaries to receive the sum assured plus accumulated cash value of the funds or return of premium (whichever is higher).

 Maturity Benefit

  • Upon successful completion of the chosen term, you will receive the total amount of funds for the accumulated cash value of funds.


HBLAmaan gives you the liberty to choose from the various additional insurance and optional benefits based on your goals and financial capability​

Additional benefits

1. Automatic cover maintenance: In case of non-payment of the premium after two years, eligibility for the life insurance cover will remain, provided that the  plan's cash value is sufficient to pay for charges made against the policy.​

2. Ad hoc (Top-up premium): To invest additional contributions in your plan in any given year, add them on top of your existing premium amount to enhance your cash value.

3. Partial withdrawal: Withdraw any amount to meet a sudden need, without surrendering your policy. However the residual cash value of your policy after withdrawal should be greater than or equal to Rs.15,000*.

4. Waiver of premium: Six month premium to  be paid by Jubilee life insurance in case of   account   holders inability to do so because of an illness or disability.

              *The minimum residual cash value may be revised by the company.

Optional Benefits

  1. Accidental death benefit: For extra protection against accidental death, an additional amount will be paid under this benefit.

Premium Allocation

The premium allocated to unit account is provided in the table below:



​1st  year


​2nd year


​3rd year


​4th year


​5th year and onwards


Ad hoc


Application Procedure

  • Eligibility from  18-50 years of a​ge

  • Attested CNIC copy required

  • Completed proposal form with signature

  • Signed direct debit instructions

  • Signed basic fact sheet

  • Signed product introduction document

  • Assessment form

  • Signed sample illustration

Service Fee

​In addition to reduced allocation in initial years, following charges are applicable on the plan:​

  • An investment management charge of 1.5% p.a. of fund value

  • An admin fee of Rs.72 per month

  • 5% bid offer spread

  • Applicable mortality charges

  • Rider charges, if an​y
  • Switching/redirection charge​s

*All charges can be revised by the Jubilee Life Insurance.

For further details contact Jubilee Life Insurance advisors at HBL branches or call: (021) 111 111 554 (111 111 JLI), SMS: *JUBILEELIFE* to 8398.