Life & Housing Protection fund is the fund created by Civil Microfinance for the welfare and credit plus facilities for the member clients. Under this Product Member clients have to deposit certain amount per year. As the insurance product different compensation is provided to the member clients to reduce the loss occurred by different natural causes. Compensation is provided in the case of death of member clients and member client’s husband; in the case of destroy of member client’s house by storm or landslide and by the fire, in the case of first two delivery of their spouse.