Hajj should be planned from the beginning to work so that one has time for 10 years up to 15 years to save his ONH. Thus, the Hajj can be executed before the age of 40 years. For that purpose, insurance funds pilgrimage be one way of funding. To anticipate a decrease in the value of the rupiah, the program can also use a foreign currency as the basis for calculating ONH is foreign currency. By following this program, the benefits to be received by the participants as follows If the participant is destined to remain alive until the planned time, participants will gain a number of funds to pay pilgrimage hai derived from investment funds and their investment results. If the participant resigns before the planned deadline, the entire investment fund with the results of the investment will be returned to the participant. If a participant dies doomed in the agreements, the heirs can be a substitute or represent participants to perform the pilgrimage to the cost of the investment fund participants came from investment results, coupled with the death benefits for unpaid premiums. Insurance, pension funds Especially for private sector employees, should plan his retirement from the beginning to work so that there is quite a long time of 25 years to 30 years to foster the fund as a provision for retirement. Insurance, pension funds can be used as a means of funding for the purpose. Excess insurance pension funds compared to regular saving is the death benefits that will improve the collection of pension plan if the participant is destined to die before the age of retirement. Choose Program is insurance pension fund contribution Sellu monthly adjusted by the amount of final salary. By following this program, the benefits to be received by the participants as follows. If the participant is destined to remain alive until retirement age, the participant will receive the funds as planned. The amount of funds received may be greater or smaller than planned, so berhgantung on the real investment returns earned. If a participant decides to resign before retirement age, the participant will receive investment funds that have been deposited with the results of its investment. If the participant is destined to die before the age of retirement, his heirs will receive a number of pension funds sebgaimana planned. Funding comes from and inbestasinya and death benefit funds for unpaid premiums.