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Secure invest

Secure Invest is a popular choice for those who have accumulated capital and wish to find a long-term home for their money. This plan is designed to offer you a flexible investment structure and peace of mind.

One-time lump sum contribution: Secure Invest offers a wide range of affordable investment instruments. Get started with a minimum one-time investment of AED 40,000, with the option to add to your contribution at any time.

Choose your investment funds: You can select your investment fund, with the support of a dedicated financial planner, to best suit your financial goals and risk profile.

Choose your investment period: Your investment period can be anywhere from 5 years and up to 30 years, provided your age at the plan’s maturity does not exceed 75. On expiry of the contract period, the total amount accumulated will be paid out to you.

Design your own benefits: With optional benefits available, Secure Invest lets you customize your plan according to your individual needs and budget.


Core Benefits

Primary Takaful Cover

Today you are constantly bombarded with plenty of investment options with evidence of each being better than the other. Secure Invest primary takaful cover provides financial security with the return of your investment at the current market value or 100 percent of your initial investment amount, whichever is higher.


Additional Benefits

Additional Level Term

Quite simply, it’s a takaful cover that protects you for a specific period of time, or “term”.


Client Illustration

Client Age : 35 years
Sex : Male
Smoker / Non Smoker : Non Smoker
Term of the Plan : 10 years
Assumed Growth Rate Plan : 5% p.a.
Currency : AED
Single Contribution Primary Takaful Cover Net Value of Investments at Maturity
40,000 40,000 56,262
50,000 50,000 71,041
100,000 100,000 146,164
200,000 200,000 296,001

*Disclaimer: For illustration purposes only


Benefit Combination

Core Benefit Minimum (AED) Maximum (AED) Term (Years)
Primary Takaful Cover 100% of the initial investment Return of the Account Value 5-30
Additional Level Term 5,000 10,000,000 5-30

*Please refer to the Takaful Certificate for specific terms, conditions and other details regarding the benefits, eligibility and exclusions outlined in this brochure. Takaful Certificate is available upon request.


Special Features

Secure Invest provides flexible options to suit your personal protection and investment. It is designed with your needs in mind to offer you the following key features:

Capital Protection

At least 100% of your contribution amount paid to your family in the unfortunate event of your death.


Unmatched Flexibility

  • Unlimited investment amounts, from a minimum one-time investment of AED 40,000 – the higher the contribution the higher the protected benefit your family receives in the event of your death.
  • Additional protection available above the 100% initial investment (which then becomes the “sum covered” under the plan, thereby providing extra security to your family).
  • Additional contributions allowed at any time during the investment period.
  • Asset allocation changes allowed (switch among funds to get maximum return on your investment).
  • Option to add various rider benefits, based on your specific circumstances and requirements, to secure maximum protection.


  • Regular reports sent to you as a member of the takaful community.
  • Ability to track your fund performance on a regular basis.


  • Option to exercise partial or complete withdrawal from your investment, if required.
  • Minimum investment period of only five years.
  • Option to terminate or withdraw entirely from your plan at any time.

Fund Options

  • A wide choice of funds – equity growth portfolio, balanced portfolio, secured portfolio or combinations.
  • Option to choose your fund mix, based on your asset allocation and risk-return profile.
  • All funds approved by Fatwa and Shari’a Supervisory Board of Noor Takaful.

Global Portability

  • Establish your plan with Noor Takaful and it’s yours forever – no matter where in the world life takes you.

Investment Choice*

One of the keys to maximizing your financial returns, is to make an investment choice that is right for you.

Noor Takaful provides a flexible choice of funds. To make it easier for you to assess which funds offer you the right balance between risk and reward, we have handpicked top-performing fund managers that cover a broad range of fund classes including growth, balanced, and secure. All our funds are approved by the Fatwa and Shari’a Supervisory Board of Noor Takaful.

No single investment option will suit every investor.

To create an optimal balance of funds that is right for your personal financial goals, we offer you a wide variety of options that help you achieve one of the prime objectives of superior investments – diversification.

Diversification should be viewed in light of each individual’s short and long term financial goals. Some elements of risk diversification to consider include geography, sector, and asset class.

Diversification means spreading the investment across different markets, sectors and asset classes, to reduce market risk. This protects investors from short term losses in one part of the portfolio, through exposure to stronger performance elsewhere. Through proper diversification, your investment risk is reduced, and financial returns are maximised.


Fund Management

Your fund manager charges a small fee for managing your investment. It is charged on a monthly basis, as a percentage of the Net Asset Value of your investment fund at the time of valuation. The percentage ranges from 0.5% to 2.0%, depending on the nature and complexity of your funds and the charges of any related fund managers.

*Disclaimer: The choice of funds is at the sole discretion of the participant. We can provide information on the range of funds available. However, we are not fund managers or financial advisors. Remember, all investments involve risk. The value of your investment can go up or down, and the returns are not guaranteed.

How to apply