Askari Better Life Azaadi Plan
The Azaadi Plan is a premium wealth-building solution for individuals who want to plan ahead and live with peace of mind. With a minimum annual contribution of PKR 100,000, it smartly combines financial protection with long-term investment growth.Â
From securing your family’s lifestyle to planning meaningful milestones, Azaadi Plan gives you flexibility, stability, and the confidence to live your life to the fullest without the worries of tomorrow.
Why Azaadi Plan Works for You
Early Rewards Bonus
Get rewarded for consistency with our Advance & Continuation Bonus. Enjoy an early bonus before your first year is complete, allocated in the third year to give your savings a strong head start.
Protection with Growth
A balanced combination of universal life coverage and long-term savings, designed to grow your wealth while keeping your financial plans on track.
Flexible to Your Life Goals
Shape your plan around what matters most: retirement, education, marriage planning, or wealth transfer, with optional enhancements through your advisor.
Monthly Income Option
Choose to receive your maturity value as a steady monthly income, while your remaining investments continue to grow.
Built to Keep Up with Life
Increase contributions by up to 20% annually and choose a substantial cover up to 400× your contribution to stay ahead of rising costs.
Worry-Free Review Period
Take time to review your plan and if it’s not the right fit, you can opt out within the free-look period.
Optional Extra Care
Enhance your plan with add-ons for added support during health needs, accidents, or contribution support so you’re covered from every angle.
Care Beyond Coverage
School Fee Support
Ensure your child’s education continues smoothly, no matter what. This benefit covers school fees for a chosen period (up to 10 years), giving parents lasting peace of mind.
Major Surgery Financial Support
Stay financially prepared during major medical procedures with upfront support to help manage hospital and recovery expenses so your focus stays on getting better.
Accidental Hospitalization Cover
Get support for hospital stays of more than one day due to an accident, with coverage for expenses for up to 60 days.
Critical Illness Support
Receive a lump-sum amount if diagnosed with covered serious illnesses, helping you manage treatment and related costs with confidence.
Premium Waiver (Disability)
If an unexpected health condition affects your ability to earn, this benefit keeps your policy active—without future premiums—so your goals stay protected.
Premium Waiver with Maturity Benefit
Your plan continues as planned, ensuring your family receives both financial support and maturity benefits at the end of the term.
Accidental Coverage Add-On
Add an extra layer of financial security for your family in case of serious accidents, offering reassurance in today’s fast-paced world.
Level Term Enhancement
As life evolves and responsibilities grow, this option allows you to increase your coverage to match rising needs at a nominal additional cost.
Jee Lo Har Ghari with Askari Better Life Azaadi Plan because the best moments are ahead.
Disclaimer
Azaadi Plan is a Universal Life Plan which is subject to investment risk and the cash value of the plan will vary directly with the performance of the investment fund Bank is acting as a corporate sales agent on behalf of Askari Life, and is not responsible in any manner, whatsoever, to the customer, his/her beneficiary/ies or any third party.Â
Askari Life shall be the sole responsible with respect to policyholder services, claim lodgements and claim processing.Â
All Azaadi Plan applications are processed and approved by Askari Life, as per their underwriting guidelines.
 Bank is not responsible for the processing and approval of these applications in any way, whatsoever.
 A personalized illustration of benefits will be provided to you by our sales representative.Â
Please refer to the notes in the illustration for a detailed understanding of the various Terms and Conditions.Â
This brochure only provides an introduction to the benefits available under the policy.Â
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.