Denmohor Bima

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Denmohor Bima

Denmohor must be paid to your wife according to Islamic Laws. You can pay it to your wife in cash or equivalent property. Denmohor Bima’s features encompass a very good plan of savings and insurance coverage that ensure your payment of denmohor to your beloved wife after a fixed time. Any person can take this policy before or after marriage. This scheme is managed on the basis of Mudaraba and Tabaru accounts. The full amount of insurance is paid on maturity along with profit. The nominee of the policyholder will receive the full amount of insurance on death of the policyholder within the term of the policy together with bonuses accrued up to the date of his death.

This policy helps to build protection for your wife’s right of Mohorana.

Sum Assured	Minimum Tk. 50,000
Policy Term	10 to 25, 30 and 35 years
Age at commencement	55 years (Max)
Age at maturity	70 years (max)
Mode of payment	Quarterly, Half-yearly or Yearly
Rider Cover	Policyholder can take additional rider coverage as follows: 1. Double Indemnity Accident Benefit (DIAB) and 2. Permanent Disability and Accident Benefit (PDAB)
Policy Holder	An unmarried man can take the policy, but after marriage the wife must be the nominee.
Beneficiary	Must be the policy holder’s wife.
Benefits
Maturity benefit	On the survival of the insured till the end of the term, the full Sum Assured with accrued bonuses will be paid to the insured.
Death benefit	On death of the insured during the term of the policy, Sum Assured with accrued bonuses will be paid to the nominee(s).
Investment	The insured can avail the investment facility (maximum 90% of Surrender/Encashment value) after completion of 2(two) years.
Surrender	The insured can avail Surrender/Encashment value after completion of 2(two) years.
Income Tax	The Policyholder gets tax rebate facility against the paid policy premium. Death claim is tax free. 5% tax will be deducted from the net profits the Policyholder gets from the insurance company at the time of maturity payment.