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EFU Savings Plan

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EFU Savings Plan

High value savings and investment plan

Specifically designed for Group Schemes

Minimum 10 employees

Provides rapid accumulation of fund value fromthe early policy years.

Unbeatable in the life insurance market in termsof value for money

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Provident Funds

Employer sponsored mechanism providing savingsand retirement benefits

Monthly contribution employee employer

Generally in the range of 8.33% of basic salary permonth

All Provident Funds sponsored by employers comeunder the purview of Provident Fund Rules of theIncome Tax Ordinance 2001

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Provident Fund Rules

Income Tax rules 2002

Recognized Provident Funds

The Rules allow deduction from provident fund balance topay premiums of life insurance policies.

Conditions for such withdrawals are:

Policy is to be assigned to the trustees of the providentfund (Rule 103 (1) h)

Premium payment receipt is to be handed over to thetrustees for inspection (Rule 103 (1) h)

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Provident Fund Rules

Each withdrawal cannot exceed 18 times monthlysalary of the employee or the total accumulatedprovident fund balance, whichever is less (Rule 104(1) d)

Amount withdrawn for premium payments does nothave to be repaid to the trustees (Rule 106 (1))

Employee has to give a written request to the trustees for

deduction of the amount of premium from the provident fundbalance and pay to the insurer.

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EFU Savings Plan

10 years 40 years

Your contributions to the Plan will buy units in the

EFUManaged Growth Fund

The objective of the Fund is to maximize capital growth byinvesting in a balanced portfolio spread across a wide range offixed income securities, stocks and other instruments

The Fund is managed by experts who will adjust the mix of

underlying investments in the light of economic conditionsand investment opportunities

Flexible Saving Period

Opportunity for Growth

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EFU Savings Plan

Inflation Protection

The plan also takes into account the

effect of annual inflationTo retain the purchasing

power of the Plansbenefits

Each year the contribution would increase by

7%of the initial contribution

The Plan also has the flexibility of paying level premiums

Security andPeace of Mind

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EFU Savings Plan

Access to your savings

No one can predict theFuture

Encashmentafter 2 years

premiumpayment

Investment with a Safety Net

Guaranteed level of life assurance

In case of death before the end of the selected term, thedependents will receive the greater of the sum assured or the

cash value of the plan at the date of death

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EFU Savings Plan

Waiver of Premium

Additional Term Assurance

Accidental Death & Disability Benefit

Accidental Death & Disability Benefit (Plus)

Family Income Benefit

Lifecare Benefit

Lifecare Benefit Plus

Minimum Annual Premium

Rs. 10,000Additional Benefits

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Some of our Corporate Clients

Pakistan Steel

NED University

EOBI

Port Qasim Authority

PTCL

Karachi Port Trust

Karachi City Government

Ufone

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EFU Managed Growth Fund

10 Year Annualized Returns

EFU MGF vs NJLI Managed Fund

11.00%

12.00%

13.00%

14.00%

15.00%

16.00%

17.00%

18.00%

19.00%

20.00%

31

-Dec-0

6

31

-Jan-0

7

28

-Fe

b-0

7

31

-Mar-

07

30

-Apr-

07

31

-May-0

7

30

-Jun-0

7

31

-Ju

l-07

31

-Aug-0

7

30

-Sep-0

7

31

-Oc

t-07

30

-Nov-0

7

31

-Dec-0

7

31

-Jan-0

8

29

-Fe

b-0

8

31

-Mar-

08

30

-Apr-

08

31

-May-0

8

30

-Jun-0

8

31

-Ju

l-08

31

-Aug-0

8

30

-Sep-0

8

31

-Oc

t-08

EFU

NJLI

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Thank you !