VERY year, National Insurance Awareness Day reminds us of a simple truth: intentions alone aren`t enough, real security requires preparation.

We insure protection of our homes, cars, health, and, what matters in this world. But what about the journey that matters most in the Hereafter? For Muslims, Haj is not just a spiritual aspiration, it is an obligation. It is the fifth pillar of Islam. A once-in-a-lifetime duty for every adult Muslim who is physically and financially capable. Yet many continue to delay this sacred journey not out of lack of faith, but due to lack of planning.

From obligation to action Each year, millions of believers respond to the divine call: `Labaik Allahumma Labaik` Here I am,O Allah.

But for countless others, that call remains unanswered-not because they don`t want to go, but because they don`t know how to start.

• Rising costs • Competing financial priorities • The myth that Haj is only forretirement All of these push people to defer their obligation to `someday` a day that may never come. But Islam is clear: if you have the means, Haj is fard.

If you can afford a vacation, luxury items, or home upgrades, you may already be Sahib-e-Istita`at someone upon whom Haj has become a religious duty.

What if your greatest obligation deserves the same planning as your assets? This day is about protecting what`s important. We buy insurance to prepare for life`s uncertainties. Likewise, planning for Haj is spiritual insurance an investment in your akhirah.

Ask yourself: • Have I made a concrete plan for Haj? • Am I financially prepared or just waiting for `someday`?• Do my savings align with Islamic values? Traditional methods like committees or rotating funds may no longer keep pace with Haj`s rising costs. That`s where a structured, Shariah-compliant solution beco-mes essential.

Introducing 5th pillar Takaful Haj Savings Plan. At 5th Pillar Family Takaful, we believe Haj should be within reach of every Muslim with the means.

Backed by leading businesshouses from Kuwait and Pakistan, 5th Pillar has brought the largest foreign direct investment (FDI) in Pakistan`s Takaful sector, with Rs2 billion in paid-up capital, the highest in the sector`s history. Licensed by the SECP and rated `A+ (Stable)` by PACRA, our Shariah-compliant platform ensures disciplined savings you can trust.

Our Haj Savings Plan is a Riba-free, spiritually aligned way to prepare for your pilgrimage -step by step, rupee by rupee.

Plan features: • Flexible terms: 5, 10, 15, 20, or 25 years • Fully Shariah-compliant and Ribafree • Structured to match rising Haj costs • Purposeful planning with peace of mind Find the plan that fits your timeline and budget: www.5thpillartakaful.com/Haj-planner We also offer Umrah Savings Plan: https://5thpillartakaful.com/umrahsavings-plan/ From your first saving to your final Tawaf This isn`t just a savings plan it`s a complete Haj experience.

With a state-of-the-art IT platform andan upcoming mobile/web portal for 24/7 support, 5th Pillar offers a seamless journey from planning to performance.

Our end-to-end Haj support includes: • Visa processing and airline booking • Ihram kits and personalised training • Medical preparation and vaccinations • Comfortable accommodations near the holy sites • On-ground support from Mina to Arafat and beyond You focus on your worship we take care of the rest. Start today because your heart already has. Think about your legacy. Your faith. Your fard.

Don`t wait for the perfect time, it may never come. With sincere intention and structured savings, your Haj can become a reality.

Download our brochure: ht t ps://5 thpilla rt akaful. com /H ajsavings-plan Book a one-on-one consultation: https://5thpillartakaful.com/book-a-call 5th Pillar Takaful Because Haj deserves more than hope-it deserves a plan. •