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1. Investment Provisions: Required for contracts with investment components, detailing investment strategies and profit-sharing mechanisms

2. Surrender Values: Include when the policy has a cash value component, detailing calculation and payment of surrender values

3. Disability Benefits: Optional section for policies including disability coverage

4. Supplementary Benefits: For contracts offering additional riders or supplementary coverage options

5. Policy Loans: Include if the policy allows for Shariah-compliant financing against policy value

6. International Coverage: Required for policies offering coverage outside Saudi Arabia

1. Schedule 1: Contribution Schedule: Detailed breakdown of contribution amounts, payment dates, and allocation

2. Schedule 2: Benefit Schedule: Comprehensive list of benefits and corresponding amounts/calculations

3. Schedule 3: Medical Requirements: List of required medical examinations and health declarations

4. Schedule 4: Profit Distribution Mechanism: Details of how surpluses are distributed among participants

5. Appendix A: Claims Documentation Checklist: List of required documents for different types of claims

6. Appendix B: Risk Disclosure Statement: Mandatory disclosures about risks and limitations of the coverage

7. Appendix C: Shariah Compliance Certificate: Certificate from Shariah board approving the contract structure