Islamic Insurance Plans

EFU Life now introduces two new products for your better future under the EFU Aitemad Growth Fund

New Unit Linked Fund

All investments are based on Islamic principles

Islamic unit linked funds, equities, term deposits, Sukuk Bonds

All underlying investments have been approved by their respective Shariah Boards

MMinimum Contributioninimum Contribution

Rs. 16,000 per annum.Min: 10 years Max: 40 years(Maximum 70 years at Maturity)

AAge at Entryge at Entry

IInvestment Management nvestment Management ChargeCharge0.125% of the fund value per month.

BBid/Offer Spreadid/Offer Spread

5% of the contribution.

Min: 18 year

Max: 60 years

TTermerm

Policy year Extra Unit Allocation

1 35% to 45%

2 70%

3 90%

4 & onwards 100%

UUnit Allocationnit Allocation

AAdministration Chargedministration Charge

Rs. 500 per annum.

ASASA PLANASASA PLAN

FFund Acceleration Premium

Minimum FAP allowed in a year

Rs. 20,000

Maximum FAP allowed in a year

5 x Basic Plan Premium

IIndexation

7% every year – simple basis

Premium increases as a percentage of initial

year’s premium

MMaturity Benefit

At maturity, fund value is payable

BBonus

After the review of the mortality experience of the plan, a surplus will be determined & distributed to the clients as “Bonus Units”

AAdditional Benefit Riders

This rider increases the level of life cover.

AAdditional Term Assurance

CCritical Illness Benefits

FFamily Income Benefit

A fixed amount is monthly payable to help maintain your family’s standard of living.

Lump sum payment on diagnosis of any of the defined critical illnesses

AAccidental Death & Disability

In the unfortunate event of death disability as a result of an accident, you can be covered for an additional amount. WWaiver of Premium

The contribution of the plan will be taken care of by EFU Life in case you are unable to follow an occupation (and your savings program continues).

MMinimum Premiuminimum Premium

Rs. 20,000 annual basic plan premium

Min: 10 years Max: 25 years(Maximum 70 years at Maturity)

AAge at Entryge at Entry

FFund Management Chargesund Management Charges

1.5% per annum of fund value

BBid/Offer Spreadid/Offer Spread

5% of the contribution.

Min: 18 year Max: 60 years

TTermerm

Policy year Extra Unit Allocation

1 35% to 45%

2 70%

3 90%

4 & onwards 100%

UUnit Allocationnit Allocation

Rs. 500 per annum.

NOOR PLANNOOR PLAN

AAdministrative chargesdministrative charges

FFund Acceleration Premium

Minimum FAP allowed in a year

Rs. 20,000

Maximum FAP allowed in a year

5 x Basic Plan Premium

IInflation Protection

7% every year – simple basis

Premium increases as a percentage of initial

year’s premium

BBonus

After the review of the mortality experience of the plan, a surplus will be determined & distributed to the clients as “Bonus Units”

CContinuation Benefit

Incase of death, the Company will continue to make premiums payment into the fund

WWaiver Premium

The contribution of the plan will be taken care of by EFU Life in case you are unable to follow an occupation (and your savings program continues).

AAdditional Benefit Riders

Income Benefit

A fixed amount is monthly payable to help maintain your family’s standard of living.