This section includes:

Product Sales and Advice

Products or services described on this Web site are only available to individuals or entities resident in Bangladesh at the time of application or purchase. The contents of this Web site are not intended to constitute an advertisement for such products and services in any other jurisdiction.

Any material on this Web site is for information purposes only and does not constitute an offer to buy or sell any Pragati Life Insurance Limited products or services. All products and services are subject to the terms and conditions of the applicable contracts.

The financial products offered by Pragati Life Insurance Limited have various levels of risk to the investor, including the possibility of loss of amounts invested. Before buying any Pragati Life Insurance Limited product, review the Information Folder and/or other disclosure documents provided by your advisor and discuss with your advisor the suitability of the various investment choices to your own personal situation. The past performance of any investment choice with non-guaranteed benefits is not an indicator or guarantee of future results.


The contents of this site are protected by copyright. Visitors to this site may copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of Pragati Life Insurance Limited. Republishing and reproducing includes any uploading, downloading or providing access to the information on this site on the Internet or any other local or international computer system or means of distribution. An acknowledgement of the source must be included whenever our materials are copied or published.

If you require further information about how you may use the information on this site, please contact us at our Corporate Head Office or by e-mail.

Pragati Life Insurance Limited will take appropriate legal action in response to any infringement of its rights. The Pragati Life Insurance Limited disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.

Terms of Use

The purpose of this Web site is to provide general information about Pragati Life Insurance Limited and its products and services.

Before using this site, please read the following terms of use carefully. As the terms of use may change at any time, you should regularly review them to ensure that your understanding of the terms is up-to-date. Any references to “you” or “your” means the person or entity using or accessing this site. References to “Pragati Life Insurance Limited” shall be deemed to include The Pragati Life Insurance Limited and its subsidiaries and affiliated companies.

The information and features contained in this Web site, as well as the Web Site itself (collectively, the “Internet Service”), may be modified or upgraded without notice. Pragati Life Insurance Limited does not guarantee the accuracy or completeness of any of the Web site content, its functionality or transmission capability.

Pragati Life Insurance Limited provides its Internet Service on this Web site to you, subject to these terms of use which may be updated by us from time to time without notice to you. By accessing or using the Internet Service, you acknowledge and agree to these terms of use. In addition, you shall be subject to any other guidelines or rules applicable to the Internet Service which may be published from time to time. All such guidelines or rules are hereby incorporated by reference into these terms of use. If you do not agree with these terms of use, please exit this Web site.

Pragati Life Insurance Limited makes commercially reasonable efforts to maintain the availability of this Web site. However, Pragati Life Insurance Limited reserves the right to shut down this Web site in order to perform maintenance, updates and other reasonable adjustments. Some or all of the Internet Service may be unavailable during such times.

Pragati Life Insurance Limited reserves the right at any time to modify or discontinue, temporarily or permanently, the Internet Service (or any part thereof) with or without notice. You agree that Pragati Life Insurance Limited shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Internet Service. You agree to indemnify and hold Pragati Life Insurance Limited (and its officers, agents and employees) harmless from any claim or demand, including reasonable legal fees and expenses, made by any third party due to or arising out of your use of the Internet Service, your connection to the Internet Service, or your violation of the terms of use.

You agree that Pragati Life Insurance Limited, in its sole discretion, may terminate use of the Internet Service for any reason, including, without limitation, if Pragati Life Insurance Limited believes that you have violated or acted inconsistently with the letter or spirit of the terms of use. You agree that any termination of your access to the Internet Service under any provision of the terms of use may be effected without prior notice. Further, you agree that Pragati Life Insurance Limited shall not be liable to you or any third party for any termination of your access to the Internet Service.

You agree that you will not (i) interfere with the functioning of the Internet Service; (ii) bypass any measures used to secure or restrict access to the Internet Service; (iii) impose an unreasonable or disproportionately large burden on the Internet Service's infrastructure; or (iv) employ any automatic devices or means to use or access the Internet Service.

If you have access to password protected sections of the Web site, you may provide or be provided with confidential or personal information which must be collected, used and disclosed in accordance with the laws and industry guidelines relating to privacy in the jurisdictions in which we operate. You agree to keep any password strictly confidential and to be responsible for any Internet Service use connected to your password. You also agree to notify Pragati Life Insurance Limited immediately if you know or have reason to believe that the security of your password has been compromised.

You acknowledge and agree that the information presented to you through the Internet Service is protected by copyrights, trademarks, service marks, patents and/or other proprietary rights and laws. Except as expressly authorized by Pragati Life Insurance Limited, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Internet Service, in whole or in part.

Your use of the Internet Service is at your sole risk. Any material downloaded or otherwise obtained through the use of the Internet Service is at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material. The Internet Service is provided on an "as is" and "as available" basis. Pragati Life Insurance Limited expressly disclaims all warranties of any kind, whether express or implied.

Without limiting the generality of the foregoing, Pragati Life Insurance Limited makes no warranty that

(i) the Internet Service will meet your requirements,

(ii) the Internet Service will be uninterrupted, timely, secure or error-free, or

(iii) any errors will be corrected.

No advice or information, whether oral or written, obtained by you from Pragati Life Insurance Limited or through or from the Internet Service shall create any warranty not expressly stated in the terms of use.

The Internet Service is not intended to provide financial, legal, medical, accounting or tax advice, and should not be used or relied upon as a substitute for professional advice or your independent research.

This Web site may provide links to other Web sites or resources or it may be accessed via a link from other Web sites or resources. Pragati Life Insurance Limited has no control over these Web sites or resources, does not endorse any content found on them, and is not responsible for any consequences resulting from your use of them.

Pragati Life Insurance Limited shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if Pragati Life Insurance Limited has been advised of the possibility of such damages), resulting from:

(i) the use of, or the inability to use, the Internet Service,

(ii) unauthorized access to or alteration of your transmissions or data, or

(iii) any other matters relating to the Internet Service.


The failure of Pragati Life Insurance Limited to exercise or enforce any right or provision of the terms of use shall not constitute a waiver of such right or provision. If any provision of the terms of use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties' intentions as reflected in the provision, and the other provisions of the terms of use shall remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Internet Service or the terms of use must be filed within one (1) year after such claim or cause of action arose or be forever barred.