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    FAQs

    Hemayah defined as ‘protection’ in Arabic, is a policy that provides support to protect your family’s future on every step of the way.

    No, Takaful is catered to all races and religion and individuals who are interested to invest for security and protection of their loved ones.

    A Takaful Operator is an organization which manages Takaful Funds and takes up the responsibility of determining contribution amount, collection of contributions and paying claims to eligible Participants. EFU Life is the Takaful operator for EFU Life’s Takaful Savings Plan. In Pakistan, Securities and Exchange Commission of Pakistan is the regulator for all insurance and Takaful companies.

    Contribution means the amount payable by the participant to an operator under a Takaful contract.

    Participant means a person who participates in a Takaful scheme and to whom a Takaful Contract is issued.

    The term ‘Wakala’ (Agency) is derived from the word ‘Wakeel’ (Agent). It is the fee incurred by a Takaful Operator from the Participants Takaful Fund to manage the Takaful Fund.