Investment Plan

One of the most difficult things to do is to start saving for the future because it automatically
reduces the amount of money available for spending now. However, without the discipline of
a regular investment plan many of our aims and ambitions for the future may not be
achieved.
The EFU Investment Plan is specially designed to help you build up a substantial capital sum
and thus enable you to achieve your long term objectives, which may include your children's
wedding, buying a new house or car, achieving financial independence at retirement etc.
Group Insurance
An important benefit in any remuneration package is the level of life cover provided by the
employer. For many employees this life cover is critical because it is the only means of
guaranteeing financial security for their families on their death or disability.
This is why the Government has made it compulsory for you as an employer to pay
employees on lower salaries (currently up to Rs. 3000 per month) a minimum of Rs. 200,000
on their death or permanent total disability.
Of course, this need for financial security applies just as much to your officers, including your
directors and chief executive, albeit that the cover they require will be at a much higher
level.
The EFU Group Scheme is designed to help you meet your obligations to all your employees
from "Factory Floor" to the Board Room", economically and simply.
Our list of Clients has the most reputable organizations Pakistan.
Also the premium you pay is a business expense and as such can be debited to your
Expense Account to reduce any tax liability.
Our Products
At present we offer the following type of group life insurance:
Group Term Assurance: This scheme provides for the payment of full sum assured in case of
death due to any case. All the employees aged up to 60 years can be covered under the
scheme. Following additional benefit can be provided under this scheme.
Accidental Death Benefit: This benefit provides for an additional payment equal to the sum
assured if death results from an accident.
Accidental Disability Benefit: This benefit provides for a payment in case of permanent total
or permanent partial disability resulting form an accident. The payment is made in
accordance with a schedule, which is in the line with labor laws.
Fortnightly Income Benefit: This provides for an amount equal to half of the monthly salary,
subject to a maximum of Rs. 1,500 (or higher), payable fortnightly for a maximum period of
one year in case of temporary total disability resulting form an accident.
Natural Disability Benefit: this benefit provides for the payment of the sum assured in case
of permanent and total disablement due to natural causes.

Group Terminal Illness Benefit: This benefit provides for the advance payment of 50% of sum
assured (subject to a suitable maximum limit) in case of diagnosis of terminal Illness. The
remaining 50% sum assured will be payable on death.
Group Loan Insurance: This benefit can be secured as an independent policy and it provide
for full re-payment of outstanding loan in case of death of the member.
Group Provident Fund Insurance: This benefit can be secured as an independent policy and it
provides for payment of a multiple of Provident Fund balance on death of the member.
Group Critical Illness Cover: This benefit can be secured as an independent policy and it
provides for payment of sum assured if a member contracts any of the following ten illnes.
1) Heart Attack
2) Cancer
3) Major Organ Transplant
4) Stroke
5) Paralysis
6) Kidney Failure
7) Deafness
8) Blindness
9) Multiple Sclerosis
10)Coronary Artery By-Pass Surgery
Security Plan
The need to provide high life cover at a minimum cost may arise for a number of reasons.
For example you may need:To provide a replacement income for your family on your death or critical illness.
To ensure that your early death or critical illness does not jeopardize your future plans for
your children in terms of their education, weddings etc.
To protect the continuity of your business by ensuring that funds are available of your
beneficiaries.
The EFU Security Plan is a term assurance contract which allows you to provide protection
against financial consequences of death and critical illness at a very low cost.
Life Care Benefits
Most people are unprepared for the financial impact of critical illness. Perhaps the reason for
this is
assumption that critical illness is not our problem - it always happens to someone else!
Based on
the following static's, that someone else could be you!
Two third of people will be affected by cancer, heart diseases or a stroke during their life.
Males in work are three times more likely to suffer a long term illness than to die before age
65.
50% of men who have a heart attack survive five years.
The EFU Life Care Benefits is designed to benefit you directly by providing cash when you
really need it. Unlike a conventional life assurance policy, which is payable on death only,
the Life Care Benefit will provide a cash payment - whilst you are still alive - on a range of

major illness such as:

1) Heart Attack
2) Cancer
3) Major Organ Transplant
4) Stoke
5) Paralysis
6) Kidney Failure
7) Deafness
8) Blindness
9) Multiple Sclerosis
10) Coronary Artery By-Pass Surgery
This benefit is available as a rider to the Investment and Loan Protection Plans.
Education Plan
One of the best investments anyone can make in their lifetime is an investment in their
children's education. In the very competitive and technologically advanced world we are
living in, a good education is a prerequisite to financial stability and advancement.
The Education Plan is designed to help you accumulate the required funds and can be
specially tailored to cater for your individual needs including funding an education abroad for
your children.
EFUs Education Planning Service works out a personalized illustration to show the annual
contribution required taking into account factors such as period to university education, a
realistic investment yield, inflation and even potential depreciation of Pak Rupee against US
Dollar (if the education is broad). EFUs Monitoring Service regularly reviews the actual
performance of the Plan and makes appropriate recommendations to ensure that the
targeted education fund is achieved.
Capital Growth Plan
An increasing number of investors discovered that to achieve real capital growth i.e., over
and above inflation, it is necessary to have a substantial portion of their investments in
assist-backed investments such as shares. But successful investment in equities is not easy.
Knowing what to buy and sell, and when, demands experience and expertise and can be
extremely time consuming.
The EFU Capital Growth Bond provides the ideal solution. The Bond provides both the
investment expertise and the spread of risk through investments across a wide range
including equities, government securities and cash deposits.
Loan Protection Plan
Probably the biggest financial commitment most of us undertake is a house or a business
loan. But how is this loan going to be serviced if the income flow stops or reduces drastically
should you die or suffer from a critical illness? Your assets, which you have spent years,
building up, may have to be sold forcibly to repay your loan.

The EFU Loan Protection Plan, by providing a capital sum on death and critical illness, can
ensure that your loan will be repaid leaving your assets unencumbered.

EFU Lifes Group Term Life Assurance plans main highlights are:

A low-cost, easy to administer policy that can be renewed annually. A single master policy for all
employees of the group.

Flexibility that shall provide the optimal plan suiting your needs. Insurance cover can be uniform
or grade linked with designations,length of service or salaries.

Adds value to your insurance plan by adding additional benefits.

Easy administration: new members can join and outgoing members can leave the scheme at any
time with premium adjustment

Lower group rates as compared to individual insurance.

Most employees are covered without any evidence of health.

Exclusion free insurance cover in case of natural death.

Profit sharing with groups having minimum of 200 members.

Premiums are treated as allowable expense for tax purposes

EFU Lifes Salary Continuation Plan is a special

arrangement for an income continuation in the event of
misfortune
The continuation of salary allows the family to maintain the quality of life they have been accustomed to.
Further, the plan gives employees the peace of mind in knowing that their families will be financially
secured should any misfortune occur.
The Salary Continuation Plan offers the following:

Salary linked insurance cover that can be tailored according to your organizations need.

Salary escalations that may be added to the scheme to counter the effects of inflation.

Flexibility in premium payments that may be made annually or monthly.

Premiums are treated as non-taxable income.

High value of employee loyalty and retention may be achieved.

Exclusion free insurance cover in case of natural death.

Profit sharing with groups having minimum of 200 members

Credit Life Plan

> Group Life > Credit Life Plan

Plan Overview / Benefits

Extra conviction needs to be given to employees to enhance productivity and improve retention. A loan
protection for employees is a step towards better employer-employee relationship. Under this scheme,
the loans provided by the employer to employees for the purpose of housing, transport etc. are covered
by EFU Life. A unique mix of being offered a loan from ones own company as well as having it insured
offers peace of mind to the employee and an increased commitment to the Company. So let your
employees enjoy that latest car, luxury home, higher education for children or the family trip to exotic
resorts with complete peace of mind.
The following features of the Credit Life Plan makes it an essential for all credit facilities offered by an
employer:

High value of employee loyalty and retention may be achieved.

The insurance premium is nominal compared to the loan amount.

Premium rates can be built in the rates charged for the loan.

Premiums are treated as allowable expense for tax purposes.

Lump sum repayment of loan in case death or disability occurs. The family is not burdened with
repayments of loan in case of death or disability of the borrower.

Employee shall be covered upto 60 years of age.

Profit sharing with groups having minimum of 200 members.

Group Savings Plan A complete solution for savings

and investment needs by EFU Life Assurance Ltd.
A penny saved is a dollar earned. This may sound much easier to achieve than it actually is. In times of
financial crisis, employees find it very hard to save a portion of their income that may be utilized in the
future should the need arises. As an employer, you can facilitate your employees in their effort of building
a financially secure future by opting for them EFU Lifes Group Savings Plan. This unique arrangement
enables the employees to save regularly a fraction of their income to provide a large amount of money at
maturity while enjoying insurance benefits.
With this low cost and easy to administer plan, you can provide your employees a unique package of
funds management and financial security which ultimately results in long term retention and increased
motivation of employees.
Salient features of the Group Savings Plan are as follows:

Ensures employee retention and loyalty

Unit linked insurance cover for groups

Offers easy Premium Payment option

Option to choose from a range of available EFU Growth Funds depending on members risk
appetite

Choice to select Sum Assured Structure based on members preferences

Benefits may be availed in lump sum or in the form of retirement income as annuity

Exclusion Free insurance under Basic Life Cover

Option to hedge against inflation through Inflation Protection Benefit

Conversion option from group savings plan to any regular individual insurance plan in case of
disassociation with the employer

Option to accelerate the build up of your fund through Fund Acceleration Premium

Offers easy access to savings

> Group Life > Fee Continuation Plan

Plan Overview / Benefits

Employers need a sure shot way to retain their team of employees. Your kind gesture of showing that you
care for your employees future would certainly prevent them from constantly looking for better
opportunities. Since childrens education is one of the most important duties of any parent, any security
for this task can be most welcoming. As an employer, a school fee continuation plan for the employees
children is a unique offer that ensures the security of the educational future of the child in case of any
misfortune.
The school fee continuation plan for employers offers the following:

High value of employee loyalty and retention may be achieved.

Nominal premiums that can be charged in addition to the main group life insurance policy.

Grade-linked or salary linked benefit structure.

Flexibility in choosing the number of children that shall be protected per employee.

Fee continuation can be in form of a fixed annual amount that shall be payable to the bereaved
family for the childs educational expenses for upto a certain academic level.

Exclusion free insurance cover in case of natural death.

Coverage of the employee upto 60 years of age.

Premiums are treated as allowable expense for tax purposes.

Profit sharing with groups having minimum of 200 members.

Critical Illness Cover

> Group Life > Critical Illness Cover

Our Critical Illness cover can help to take away some of

the financial strain of paying for expensive medical
treatment of a critical illness.
This benefit pays a one-off cash lump sum that can provide the means to help pay for specialist
equipment, cover day to day expenses, fund private treatment or provide an income. The benefit is
payable if any one suffers from or undergoes any one of 10 specified critical illnesses.

Heart Attack

Coronary Artery Surgery (By-pass Surgery)

Paralysis

Major Organ Transplant

Cancer

Multiple Sclerosis

Blindness

Stroke

Renal Failure

Deafness

Group Term Life Assurance

> Group Life > Group Term Life Assurance

Employee retention and motivation are probably the key

challenges that employers face in a competitive work
environment. It is important to get them to focus on
their job and remain committed long term.
Employees work with utmost dedication when they believe their organization truly cares about their wellbeing. Group Term Life addresses an employees need of life insurance from the factory floor to the
board room.
EFU Lifes Group Term Life Assurance plans main highlights are:

A low-cost, easy to administer policy that can be renewed annually. A single master policy for all
employees of the group.

Flexibility that shall provide the optimal plan suiting your needs. Insurance cover can be uniform
or grade linked with designations,length of service or salaries.

Adds value to your insurance plan by adding additional benefits.

Easy administration: new members can join and outgoing members can leave the scheme at any
time with premium adjustment

Lower group rates as compared to individual insurance.

Most employees are covered without any evidence of health.

Exclusion free insurance cover in case of natural death.

Profit sharing with groups having minimum of 200 members.

Premiums are treated as allowable expense for tax purposes