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Individual Protection & Saving Programs

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Your ambitions in life are undoubtedly driven by ever-changing needs and responsibilities: from education to a career, to family to enjoying retirement and passing on a legacy. Reaching your goals at different stages in life means that you will need to start saving now to build a strong financial foundation.

These Plans give you access to professionally managed funds, ranging from conservative to adventurous, which can help you maximize your wealth.

Unit Linked Insurance Plans we offer ( Savings, Education, Marriage. and Retirement) are your gateways to cost-effective market linked investments. It is a market-linked product that gives you dual benefit of insurance & investment.

Part of the premium is deducted in form of insurance charge for providing life insurance cover, while the remaining amount is invested. Moreover, they offer you an array of fund options to invest your money with varying degrees of risk-return potential. ​​

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Overview

The Investment Takaful Policy from Al Rajhi Takaful complies With the Islamic Shari’ah provisions. It encompasses Takaful.

Benefits and investment features, providing you with a Comfortable life.

Features and Benefits

  • Takaful financial coverage in the case of the participant's death.
  • Coverage of Total Permanent Disability (TPD) - Accident, sickness and Accidental Death and Disability (ADD)
  • In case of death, the payable coverage amount is determined at the highest value, either for the Takaful amount, or balance of the investment account, or even both.
  • Upon expiry of the policy’s duration, excluding any insured risks,the balance of the investment funds shall be dispensed, including the effective return on investment (ROI) to the participant.
  • We are keen on investing your money via Shari’ah compliant investment channels, offered and managed by Al Rajhi Capital (kindly refer to the information outlined in the Investment Guide available upon request).
  • This policy is supervised by a Shari’ah committee that includes a group of leading specialists in Islamic jurisprudence and contemporary financial transactions.

How does the Policy Work?

Each paid instalment is divided into two parts:

  • First:Upon Takaful participation, an amount is deducted as a Contribution of the participant in the Takaful coverage provided by this fund to all participants.
  • Second:Upon Investment participation an amount is deposited into your investment account with your choice of investment Channels that are Shari’ah compliant. The participation is allocated to buy investment units from the available investment Funds of your choice, for the period you specify.

The administrative expenses and policy issuance expenses shall be deducted before purchasing the investment units.

What is the Duration of the Policy?

Minimum policy term is 5 years.

Maximum policy term is 57 years.

Age Limits for Participation and Accrual

The value of the Takaful participation shall be based on the age of the policy’s owner, while the number of investment units shall meet the value of this participation.

  • Minimum age upon participation is 18 years.
  • Maximum age upon participation is 59 years.
  • Maximum age for accrual is 75 years (for death coverage).
  • Maximum age for accrual is 65 years (for additional coverage).

Overview

The Education Takaful Policy from Al Rajhi Takaful complies with the Islamic Sharia’s provisions. It encompasses Takaful benefits and investment features, providing you with Financial security and enabling you to fulfil the dream of educating your children, whilst offering insurance coverage to protect your family against any adversity.

Additionally, you may choose insurance coverage that best fits your financial situation on periodic instalments.

Features and Benefits

  • The expense coverage of your children's future education, and in the case of death, the Takaful fund shall pay the remaining instalments, regularly under the valid policy.
  • Coverage of Total Permanent Disabiltiy (TPD) - Accident/Sickness.
  • Upon expiry of the policy’s duration, excluding any insured risks,the balance of the investment funds shall be dispensed, including the effective return on investment (ROI) to the participant.
  • We are keen on investing your money via Shari’ah compliant investment channels, offered and managed by Al Rajhi Capital (kindly refer to the information outlined in the Investment Guide available upon request).
  • This policy is supervised by a Shari’ah committee that includes a group of leading specialists in Islamic jurisprudence and contemporary financial transactions.

How does the Policy Work?

Each paid instalment is divided into two parts:

  • First:Upon Takaful participation, an amount is deducted as a Contribution of the participant in the Takaful coverage provided by this fund to all participants.
  • Second:Upon Investment participation an amount is deposited into your investment account with your choice of investment Channels that are Shari’ah compliant. The participation is allocated to buy investment units from the available investment Funds of your choice, for the period you specify.

The administrative expenses and policy issuance expenses shall be deducted before purchasing the investment units.

What is the Duration of the Policy?

Minimum policy term is 5 years.

Maximum policy term is 25 years.

Age Limits for Participation and Accrual

The value of the Takaful participation shall be based on the age of the policy’s owner, while the number of investment units shall meet the value of this participation.

  • Minimum age upon participation is 18 years.
  • Maximum age upon participation is 59 years.
  • Maximum age for maturity 65 years

Overview

The Marriage Takaful Policy from Al Rajhi Takaful complies with the Islamic Shari’ah provisions. It encompasses Takaful benefits and investment features, providing you with financial security and enabling you to fulfill the dream of your children getting married, whilst offering insurance coverage to protect your family against any adversity.

Additionally, you may choose an insurance coverage that best fits your financial situation on periodic instalments, as well as the anticipated wedding expenses

Features and Benefits

  • The expense coverage of your children's future education, and in the case of death, the Takaful fund shall pay the remaining instalments, regularly under the valid policy.
  • Coverage of Total Permanent Disabiltiy (TPD) - Accident/Sickness.
  • Upon expiry of the policy’s duration, excluding any insured risks, the balance of the investment funds shall be dispensed, including the effective return on investment (ROI) to the participant.
  • We are keen on investing your money via Shari’ah compliant investment channels, offered and managed by Al Rajhi Capital (kindly refer to the information outlined in the Investment Guide available upon request).
  • This policy is supervised by a Shari’ah committee that includes a group of leading specialists in Islamic jurisprudence and contemporary financial transactions.

How does the Policy Work?

Each paid instalment is divided into two parts:

  • First:Upon Takaful participation, an amount is deducted as a Contribution of the participant in the Takaful coverage provided by this fund to all participants.
  • Second:Upon Investment participation an amount is deposited into your investment account with your choice of investment Channels that are Shari’ah compliant. The participation is allocated to buy investment units from the available investment Funds of your choice, for the period you specify.

The administrative expenses and policy issuance expenses shall be deducted before purchasing the investment units.

What is the Duration of the Policy?

Minimum policy term is 5 years.

Maximum policy term is 25 years.

Age Limits for Participation and Accrual

The value of the Takaful participation shall be based on the age of the policy’s owner, while the number of investment units shall meet the value of this participation.

  • Minimum age upon participation is 18 years.
  • Maximum age upon participation is 59 years.
  • Maximum age for maturity 65 years

Overview

The Retirement Takaful Policy from Al Rajhi Takaful complies with the Islamic Shari’ah provisions. It encompasses Takaful benefits and investment features, giving you a comfortable life during your retirement.

Features and Benefits

  • Takaful financial coverage in the case of the participant's death.
  • Coverage of Critical Illness (CI) -11 Diseases, and Covering Accidental Death and Disability (ADD) as additional riders
  • In case of death, the payable coverage amount is determined at the highest value, either for the Takaful amount, or balance of the investment account, or even both.
  • Upon expiry of the policy’s duration, excluding any insured risks,the balance of the investment funds shall be dispensed, including the effective return on investment (ROI) to the participant.
  • We are keen on investing your money via Shari’ah compliant investment channels, offered and managed by Al Rajhi Capital (kindly refer to the information outlined in the Investment Guide available upon request).
  • This policy is supervised by a Shari’ah committee that includes a group of leading specialists in Islamic jurisprudence and contemporary financial transactions.

How does the Policy Work?

Each paid instalment is divided into two parts:

  • First:Upon Takaful participation, an amount is deducted as a Contribution of the participant in the Takaful coverage provided by this fund to all participants.
  • Second:Upon Investment participation an amount is deposited into your investment account with your choice of investment Channels that are Shari’ah compliant. The participation is allocated to buy investment units from the available investment Funds of your choice, for the period you specify.

The administrative expenses and policy issuance expenses shall be deducted before purchasing the investment units.

What is the Duration of the Policy?

Minimum policy term is 5 years.

Maximum policy term is 57 years.

Age Limits for Participation and Accrual

The value of the Takaful participation shall be based on the age of the policy’s owner, while the number of investment units shall meet the value of this participation.

  • Minimum age upon participation is 18 years.
  • Maximum age upon participation is 59 years.
  • Maximum age for accrual is 75 years (for death coverage).
  • • Maximum age for accrual is 65 years (for additional coverage).​
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Al Rajhi Takaful promise to deliver affordable solutions that best fulfill the insurance needs of our customers. We offer Sharia compliant insurance solutions keeping in mind the Islamic laws & traditions. The company provides innovative products and offers exceptional services that cater to the diverse needs of its customers across Saudi Arabia. This includes health insurance , travel insurance , motor insurance & more. Through our customer-centric approach, we look after your concerns to the best of our abilities.
We constantly strive to uphold the principles of ethics and fairness to achieve the best for our customers. We are a team of dedicated professionals, committed to the service of our clients. We offer you a range of plans that are tailored as per your needs. We not only provide value for money options but also ensure that customers’ needs are best met.
Whether it’s about securing your family’s financial expenses or safeguarding the things you care the most about, the answer is on your fingertip. Just browse through the array of policies we offer and choose the one that suits your needs well. In addition, you can also avail visitor visa insurance and medical malpractice insurance .
Compared to its peer insurance companies, Al Rajhi Takaful is descried as the most trustworthy insurance in Saudi Arabia and has a very convenient, simple, and effortless process for buying or renewing insurance policies . We aim to provide protection to our customers through simpler, reliable, and affordable insurance solutions.
To know more, you can reach out to us on our customer care number – +966 9200 4414 or pay a visit to your nearest Al Rajhi Takaful branch.