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Group Family Takaful – Protecting People, Strengthening Organizations

In today’s competitive environment, providing meaningful benefits is essential for attracting, motivating, and retaining talent while enhancing organizational value. Our Group Family Takaful plans help organizations safeguard the financial well-being of their workforce and stakeholders during unforeseen circumstances, fostering confidence, loyalty, and productivity.


Askari Life’s Window Takaful Operations offers Shariah-compliant Group Family Takaful solutions designed to provide financial protection and peace of mind for employees, members, and customers. Based on the principles of mutual cooperation and shared responsibility, participants contribute to a Waqf pool that enables collective risk-sharing in accordance with Shariah guidelines.


With flexible and customizable coverage options, Askari Life works closely with organizations to design Takaful solutions that align with their specific requirements, ensuring comprehensive protection while supporting long-term growth and stability.

Why Choose Askari Life Group Family Takaful

Shariah-compliant protection backed by Takaful principles

Comprehensive coverage for employees, members, and customers

Flexible benefit structures tailored to organizational requirements

Improved workforce satisfaction, loyalty, and retention

Competitive contribution rates and value-driven solutions

Dedicated support from experienced Takaful specialists

Customized plans designed for organizations of every size

Peace of mind through collective risk sharing and financial security

Coverage Features

Basic Family Takaful

Provides a lump-sum financial benefit to support the participant’s family during challenging times, helping them maintain financial stability and meet immediate expenses when they need it most.

Group Pay Continuation Benefit – Basic Family Takaful

Ensures continued financial well-being for the participant’s family through a regular monthly income for a specified period of up to five years, offering added security and peace of mind.

Accidental Medical Reimbursement

Reimburses eligible medical expenses arising from accidental bodily injuries requiring treatment at a hospital or clinic, helping reduce the financial burden of recovery.

Accidental Death Supplementary Benefit

Provides enhanced financial protection in the event of a covered accidental occurrence. This supplementary benefit offers additional support alongside the Basic Family Takaful benefit and can be added to the coverage at a nominal contribution.

Permanent Total Disability Supplementary Benefit – Accidental

Provides a lump-sum financial benefit if the covered person suffers a permanent and total disability due to an accident, helping maintain financial security when they are unable to continue working.

Permanent Partial Disability Supplementary Benefit – Accidental

Provides financial assistance in the event of a permanent partial disability resulting from an accident, according to the applicable benefit schedule.

Total Temporary Disability Supplementary Benefit – Accidental/Natural

Offers income replacement support when the covered person becomes temporarily unable to perform their occupational duties due to illness or injury, helping them focus on recovery with greater confidence.

Terminal Illness Benefit

Provides valuable financial support upon diagnosis of a covered terminal illness. To help manage medical, caregiving, and personal expenses, 50% of the covered benefit is made available immediately upon diagnosis, easing financial pressures during a difficult period. The remaining 50% continues to provide long-term financial security and support for the participant’s loved ones.

Our Shariah Adviser

Dr. Mufti Muhammad Zubair Usmani is a distinguished Shariah scholar and a recognized expert in Islamic Banking, Takaful, and Islamic Finance. With extensive experience in Shariah advisory, governance, compliance, and product development, he has contributed significantly to the growth of the Islamic financial services industry in Pakistan and abroad. Combining deep knowledge of Islamic jurisprudence with practical expertise in modern finance, he has served on the Shariah Boards and advisory committees of leading financial institutions, providing guidance on Shariah-compliant banking, investment, and Takaful solutions.

Dr. Usmani is serving as the Shariah Adviser of Askari Life Assurance Company Limited. In this capacity, he provides independent Shariah oversight and strategic guidance to ensure that the Company’s products, investments, operations, and business practices remain fully compliant with Shariah principles and applicable regulatory requirements. His continued leadership strengthens the Company’s commitment to sound Shariah governance, ethical conduct, and operational excellence.

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