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Hajj and Umrah Plan

A protection and savings policy in the Shariah compliant way.  

Hajj and Umrah Plan is a protection and savings policy in the Shariah compliant way that allows you to plan your or your family's Hajj or Umrah.

وَاَذِّنۡ فِى النَّاسِ بِالۡحَجِّ يَاۡتُوۡكَ رِجَالًا وَّعَلٰى كُلِّ ضَامِرٍ يَّاۡتِيۡنَ مِنۡ كُلِّ فَجٍّ عَمِيۡقٍ ۙ‏

Meaning: “And proclaim to the people the Hajj [pilgrimage]; they will come to you on foot and on every lean camel, they will come from every distant pass”. (Surah- Al Hajj. verse: 22:27)

Hajj is a holy journey of Muslims held in Mecca every year on the scheduled date of the month of Dhul-Hijjah. Hajj is a mandatory religious duty that must be carried out at least once in a lifetime by all adult Muslims who are physically and financially capable of undertaking the journey. On the other hand, Muslims can perform Umrah in Mecca at any time of the year. Every year, about 140,000 and 100,000 Muslims from our country perform Hajj and Umrah respectively. It is important to be financially and physically prepared for this blessed visit. In the socioeconomic context of Bangladesh, persons who are interested to perform Hajj or Umrah are often unaware of how to save for hajj or umrah. That’s why this MetLife Hajj and Umrah savings policy can help you to meet your financial need for performing Hajj or Umrah in addition to life insurance coverages.

Shariah Based Policy

This policy follows 100% rules and regulations of Islamic law and Shariah guidelines.

Benefit of Hajj and Umrah Plan

Upon completion of Account Value Accumulation Period,100% of the Account Value will be paid as a lump sum amount, which will help you to perform holy Hajj and Umrah. The Hajj and Umrah Benefit is not guaranteed and will vary based on investment performance. The Hajj and Umrah Benefit will be lower for policies paying contribution more frequently than yearly.

Life Coverage

Account Value Accumulation Period: In case of unfortunate death of the participant due to any cause, beneficiary will get 100% of Face Amount or 100% of Account Value, whichever is higher, and policy terminates. In this case, beneficiary or any other relative can perform Hajj and Umrah on behalf of the deceased participant with the benefit receivable under this policy.

Extended Coverage Period: From Hajj and Umrah Benefit date there will be an extended coverage of 2 years for insured. During this time if the insured unfortunately dies while performing Hajj and Umrah:

1. Due to natural cause then beneficiary (ies) will get 100% of Face Amount
2. Due to accident, beneficiary(ies) will get 200% of Face Amount

Please note, within Extended Coverage Period, while performing Hajj and Umrah a participant can avail this additional coverage only for once and performing Hajj and Umrah for the first time.

Cash Surrender Value

Upon Surrender at any time before Hajj and Umrah Benefit, the participant will receive the Cash Surrender Value.  A Surrender Charge will be applicable if the policy is surrendered during the first 3 years for 7 years policy term and first 5 years for 12 years policy term. The Cash Surrender Value may be less than the contribution paid.

Tax Advantages

Tax advantages regarding the contribution payment are subject to Tax laws/rules of the Bangladesh Government. Please consult your Tax advisor for confirmation and advice.


1. This Policy is underwritten by American Life Insurance Company (MetLife) and is always subject to terms and conditions of the Policy issued by MetLife.

2. If any discrepancies are found between the Bangla and the English versions of this content, the English version will be considered correct.

3. The product is not available in the United States or offered to U.S. persons. A U.S. person is a citizen or resident of United States (including a U.S permanent Resident residing outside the U.S.), U.S. partnerships, and any trust that is controlled by one or more U.S. persons and is subject to the vision of a U.S. Court.