Smart Save

Smart Save

Smart Save is a unique Shari’a compliant savings plan designed to help you invest and save your money on a regular basis to meet your future financial needs.

Low monthly investment: Smart Save is an affordable savings plan made for your unique requirements. Get started with a minimum of AED 200 per month, with the option to increase your contribution at any time.

Choose your investment funds: You can select your investment fund, with the support of your 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.

Choose your protection amount: You can decide how much coverage you need, starting at a minimum of AED 5,000, payable in the unfortunate event of your death.


Primary Takaful Cover

  • Nothing can replace you, but money provided at the right time will ensure that your family or business will be financially secure without you.
  • The primary takaful cover provides lump sum payment to your family, in addition to the investment balance accumulated at the time of death.

Additional Level Term

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

Permanent Total Disability

In case a disability leaves you unable to work, and earn an income this benefit provides a lump sum payment to you to cover your immediate expenses. The maximum benefit available to you will be equal to the sum of level term benefit and the basic cover applied by you.

Waiver of Takaful Contribution

This optional benefit has been designed to cover against permanent and total disability, with the contributions to your primary takaful plan being waived should you become disabled.

Accidental Death

In addition to the primary takaful benefit covered under the plan, this optional benefit provides cover for death resulting from an accident.

Critical Illness

If you are diagnosed with a covered critical illness, your takaful plan will pay you a cash benefit of up to 50 percent of your primary takaful benefit and additional level term amount, up to a maximum of AED 367,000.


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

  • Affordability
  • Low minimum monthly instalments, starting from AED 200 per month.

Unmatched Flexibility

  • 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

  • Contact Us
  • Contact Us
    600 500 607
  • Contact Us
  • Contact Us
    600 500 607