Products of Pragati Life Insurance Company are given below:

Product-1
Jibon Sathi (With bonus)

This is very special saving Insurance Policy. Now-a-days seen in many policy’s insured gets only half of the policy amount after 4/5 years. But in Pragati Life Insurance Policy the insured will benefit by after 5 years in every year.
Characteristics:
1. After 5 years complete of policy, the insurer will get 10% of policy in every single year. After completing the policy time the insured will received the policy amount with bonus. 2. Before ending the policy time, if the insured will die by paying one or more policy in spite of that the insurance company will pay the policy amount with discount.
As an example Tk. 1,00,000 policy for 11 years after 5th, 6th, 7th, 8th, 9th, 10th, years. Tk. 10,000 each total tk. 60,000 will paid by the insurer. In this policy Pragati Life Insurance will also pay after 11 years with earned bonus and remain tk. 40,000 to the insured.

Product-2
Jibon Prottasha (With bonus)

The aim of this policy is paying profit like bank in policy time. In now another three premium policy is term is to pay the policy money after reducing premium amount. In Jibon Prottasha Policy, after the ending of the policy time the insured will received the policy amount with profit in spite of paying only two premium. By this one policy holder will financially benefit without surrounding money or getting loan exchange policies.
Characteristics:
1. Under this policy one can open insurance for 12, 13, 18,21,24,27 and 30 years term policy. 2. After passing 1/3 time of the policy, the insured will get 10% profit of total premium. And after passing 2/3 time of total premium is paid over this amount will get 10% profit also. 3. If the policy holder die, the nominated person will get the policy amount with earning profit.

Product-3
Jibon Tori

Under Jibon Tori policy only one premium is to pay by the insured. In this policy the insured will tension free from paying premium every year and also benefit in income tax.
Advantages:
1. If insured dies in the policy terms, the nominated person will get policy amount. 2. If insured survive after the ending time of the policy :

Under Policy A - Premium will double
Under Policy B - Premium will double and half
Under Policy C - Premium will triple

Product-4
Jibon Somahar (With profit)

Under this policy insured’s family will protect from uncertainty. Only paying some amount of premium the family will protect from risk or uncertainty. Advantages: 1. The death of insured occurs in between policy time, the nominate persons will get the amount of policy. 2. If death occur because of accident the nominate will get double of policy amount. Monthly and in 10 years continue this process. 3. IF insured become unable because of accident he will received the total amount of policy by term monthly and in 10 years continue this process. 4. If the insured will not die in the policy time and unable to work, then he will get the premium with profit. 5. In spite of ending policy the insured will get the policy benefit for the extra 5 years.

Product-5
Jibon Alo-A (with bonus)

By considering the higher rate of premium, the Pragati life insrunce introduces this policy, in this policy ‘the higher the insurance risk, the higher the premium amount’. Is not applicable, only is to pay minimum premium.
Characteristics:
1. In policy time 1/3 of that passing, the insured will get 25% of policy amount. In that case the insurance risk is increasing almost double. After passing 2/3 of the time of policy the company will pay another 25$ of policy amount. This time the insurance risk become double. 2. Inspite of receiving 25% of policy amount in two terms. IF the policy holder die, the nominated will get double of insurance amount and also receive profit. But the insurance risk will not get triple of the policy amount.

Product-6
Jibon Alo – B (with bonus)

After ending of 1/3 time of policy time the insured will receive 25% of insurance amount. And ending of 2/3 time of the policy the insured ger another 25% of insurance amount. After ending policy time, the insured will get remain 50% of insurance amount with profit. If the policy holder die before ending policy time, the nomine will get the insurance amount.

Product-7
Jibon Bondhu (with bonus)
By Jibon Bondhu policy, Pragati Life Insurance offer a special facilities for the insured. The insured can change his policy as he like. If he is not altering, the insured will get insurance amount with bonus or if he dies, the nominated person will get insurance amount with bonus. After crossing 4 years of policy, the policy holder also change his policy. For that some operations under change will be applied. They are:
In this policy under, if insured changes his policy after 4 yearsm, the policy holders get some advantages with some extra facilities .The policy will change under these alternatives. They are:

Alternatives-1 The premium will not pay after 4 years, the risk of insurance amount can be taken for the entire periods. If the finishing of policy time, the holder is alive, he will get the premium with bonus.

Alternatives-2 Not paying premium for rest of the policy time after 4 years, extra insurance policy can be taken or take the advantage. But in this case the premium will not return after ending of policy period. The authorities will take decision about the increasing insurance amount.

Alternatives-3 Not paying the premium and increasing the policy period, the insurance can get this advantage. But the premium will not returnable, the insurance need to application for the increasing insurance amount.

Product-8
Jibon Abokash

The Pragati Life Insurance introduces this policy for the old age people. This is also called pension insurance policy.
Under this policy, taking retirement of life time the pension will provide. The pension will continue for minimum 10 years. During the start of the pension, if the holder dies, the nominee will get all the premium back. In start of pension and 60 years old before death only at extra insurance will provide.

Product-9
DPS (Pension insurance)

A person who can do anything he want become workless one day because of his age. Then he wants to spend his rest of his life in peace. For that he needs money. To fight with this situation he has to take action on the youth period.
Considering this situation, Pragati Division DPS has brought a project. By saving money in this project the person can become tension free, create a peaceful future easily.
Characteristics: This policy is for 10 years. If the insured person dies before the existing time period the insurance company will give the whole insured money back to the period. And if the insured person alive after existing period he could draw his money with full interest or he could draw this money as a monthly pension system within 5, 10 or 15 years.
If the time period of the pension plan will 5, 10 or 15 years the monthly premium of this plan will be 2.75, 1.6 and 1.25. IF the client dies during the pension period his nominee will get the pension money.

Steps during any accident: For any accident if the insured person loses any of his bodies two parts such as two eyes, two hands or two legs, he will get 50% of te insured money and the rest of the premium will be canceled by the company. If the client dies within 6 months after getting the 50% of his pensioned money, the rest of the nominated person with full of interest.
But if he does not dies during the first six month of the accident, he will receive his whole money with interest.

Product-10
Jibon Shonchoy

There is no need to wait for a long time. Pragati Life Insurance has brought a short term project by which you can enjoy short term benefit. In this project the policy holder can get a fantastic profit, he can choose his premium. Base on that premium the time limitation will be decided. The more time they will decide, the more benefit they will enjoy. The insurer will give premium to the holder at once for that he has no tension of giving premium continuously. The lowest premium rate is 5000 and highest premium rate is 2, 00,000 the premium may be more than 2, 00,000 if the holder wants to increase ot. The holder can take this policy for 2, 3,4,5,7 and 10 years or more.

Product-11
Saving with five instalments

This is one of the attractive insurance planning. The premium of this insurance is payable in five instalments. For that it is quite much easier for the insurer to pay the premium. Without it the policy holder could spend his money in any profitable fund if he want. The insurer will get the whole money back of his death with premium. This is the project of 10 or 15 year policy. It means in 1- years, 15% on next 4 year, 20% after the 4 years and 25%, after that on 8th years. In 15 years policy the instalment will be payable on 3rd, 6th, 9th, 12th and 15 year. If the holder pays some of the instalment and dies before insurance time, his nominees will get the whole amount of the money with profit, without it, if the holder losses any of the part of his body part including hand, legs and eyes, then the rest of the premium will be canceled for him and he will get 50% insured money back. Instantly. And after the time period, he will get the other 50% of his insured money.

Product-12
Rokibul Hayat (with profit)

Most of the people of Bangladesh is limited earned and many people are facing the unemployed problem, the economic condition of Bangladesh is not good at all. It is very hard to say what will happen in the next, Pragati Life Insurance has a brought a new scheme to face this kind of critical condition. In this scheme the holder will get some of his insured money in the time of the policy. After passing 5 years of the policy the insurer will enjoy this benefit.

Characteristics: 1. The insurer will get 10% of the insured money in every month after the first five year of the time period. 2. If the holder pays any instalment and dies before the ending time period, he will get the whole some of money with profit.

Product-13
Amamal Hayat (with profit)

This is a different kind of insurance program. Generally other insurance company does not give back the whole money of the insurer in three step instalment policy. They cut down the expected instalment benefit, but Pragati Life Insurance Company returns the whole money with the expected profit to the insurer.

Characteristics: 1. The holder can take 12, 15, 18, 21, 24, 27 or 30 years insurance policy in this planning system. 2. After pushing one third of the time period the insurer will get 10% profit of the insurance policy. Again after two third of the time period the insurer will again get 10% profit from the first of the insurance policy. 3. Whatever the profit has been given to the insurer he will get profit from whole number of the insured company. 4. The policy holder will get the whole sum of the money if he dies in time period of the insurance.

Product-14
Safinatul Hayat (with profit)
(Single premium insurance)

This is a project of single premium insurance. The insured will give only a single premium. This project reduce the tension of the insurer of giving premium rapidly.

Characteristics: 1. The policy holder will get the whole sum of money, if he dies in the mid time of the periods. 2. If he survives he will enjoy,

* In planning A : The double profit of the net premium *

* In planning B : The 2.5 product of the net premium * In planning C: The triple product profit of the net premium.

Product-15
Tajammu-ul-Hayat
(Five benefited policy in one scheme)
This policy helps a family to overcome any kind of danger. The middle class professional has a huge responsibility than the income. Pragati Life Insurance helps those professionals to overcome this problem. It has started a project which contains five benefit.

Regulations:

1. Payment at death: On the death of the pensioner, the original amount invested by the employee along with an additional bonus will be returned to the nominee or his legal heirs. 2. Payment at any incident: On the death of the pensioner at any incident the original amount invested by his along with bonus will be return to the nominee or his legal heirs. 3. Payment at any disorder: If the insured loss any part of his body and become useless at any incident the rest of the premium will be canceled for him. He will get original amount with bonus in yearly instalment within 10 years. 4. Return of the original amount along with bonus: If the insured did not enjoy any benefit for his disorder he will get the full premium with bonus at the end of the time period. The percentage of the profit will be same as the time period. Like if the time period is 15 or 20 years he will get the bonus of 15% or 20% of the premium. 5. Insurance facility without any premium: After completing the whole time period the holder will enjoy extra 5 year insurance benefit. The holder who is under 60 can only enjoy this facilities. Insurance time | Insurance without premium bonus per 1000 taka | 12-14 years | 300 taka | 15-17 years | 400 taka | 18-21 years | 500 taka |

Small premium rate (At least less than 5 tk.):
Spending less than 5 tk. You can get an insurance of 1, 00,000 tk. Which will protect your family. You cannot get any loan from this project but you can get the money with profit in a low premium.
One time premium (Single payment of premium):
This is a project of single premium. The insured will give only a single premium. This project reduce the tension of the insurer of giving premium rapidly.

Product-16
Nurul Hayat (with bonus)

The insurance policy which you will take today must not be enough after 10 or 20 years. But the premium is more that is not suitable for you. The Pragati Life Insurance Company has brought a big project to solve the problem. In this project the risk of the life will increase but not the premium. The premium of the insurance will be same at the end by the time period.

Characteristics: 1. After passing one third of the insurance time the insured will get 25% of the premium and the risk will be double. For example: In a 12 year policy of 1, 00,000 tk. After total money will be 1.5 lack tk. After 8 years he will get another 25000 tk. And the total money will be 200000 tk. After 12 years the insured will get 50,000 tk. And the risked money would be 2 lakh tk. That means after 12 years the insured will get 50,000 tk. In Baritone system. The most amazing site of this process is the risk of the insurance will increased but not the premium. 2. If the insured will die after taking 25% of 1st and 2nd insured money, the nominee will get the original amount of invested with double or 1.5 product profit.

Product-17
Nurul Hayat (Jibon-alo with profit)

After passing one third of the insurance time period the insured will enjoy 25% of the insured money. And after passing two third of the time period he will get another 25% of the total money, When time period is finished the policy holder will get the rest of 50% of the insured money with high profit. But if he dies the nominee will get the insured money will get full profit.

Product-18
Nurul Hayat (Jibon-alo with profit)

Peoples need is increasing day by day. For which they need to open policy that may be become valueless one day. Focusing on the future needs, you can change your policy terms. Even after paying 5 years of premium you can change the whole objective of the present insurance policy without taking any risk. You can also get the benefit of ADB or PDB with it.