+92 (21) 111-654-321
+92 (51) 111-654-321
+92 (21) 111 JS BANK
+92 (21) 111 57 2265
+92 (21) 263 1803
+92 (21) 3279 9009
JS Bank Limited
Shaheen Commercial Complex
Dr. Ziauddin Ahmed Road
P.O. Box 4847, Karachi-74200
Sindh, Pakistan
EFU Roshan Kal allows you to plan your monetary growth and at the same time gives you a comprehensive life protection plan. It is an investment-linked insurance product, the perfect plan for a brighter future, exactly what you and your family deserve.
Apply NowThis is a life insurance product which has two distinct elements i.e., Insurance Protection and Investment. The Investment Component is linked to the performance of underlying assets under unit linked fund(s).
If you cancel your policy within free look period of 14 days from the date of the documents receipt, you are entitled for a full refund of premium less any expenses incurred by EFU Life in connection with our medical or clinical examinations.
Premiums are allocated to the investment fund based on the following unit allocation percentages
| Policy Year | Unit Allocation % | Allocation Charges* |
|---|---|---|
| Year 1 | 55% | 45% |
| Year 2 | 80% | 20% |
| Year 3 | 90% | 10% |
| Year 4 to 10 | 100% | 0% |
| Year 11 onwards | 100% plus loyalty bonus | 0% |
*An allocation charges will be deducted from the Paid Premium every year as per the above table and the remainder will be allocated to the account value.
The minimum premium is PKR 24,000 per annum
In order to enhance the overall advantage you get from the product, other options apart from the basic benefits on offer can also be availed. These additional benefits include:
| Charges | Rate / PKR |
|---|---|
| Administration Charge | PKR 90 per month |
| Bid/Offer Spread | 5% of the net regular premium |
| Investment Management Charge | 0.125% of the fund value per month |
| Mortality Charge (Cost of Insurance) | An age-based mortality charge applies for the life insurance risk each year and is dependent on the sum at risk. No mortality charges applies in years where the cash value exceeds sum assured. |
| Fund Switching Fee | PKR 500 |
| Surrender Processing Fee | PKR 500 |
| Surrender Charge | 100% for the first year |
| Allocation charges | As per the above Unit Allocation table |
In case of an unfortunate event, you may file your claim intimation through any Allied Bank Branch walk in, visiting the EFU Head Office or by visiting any of the EFU branches in the country. For a swift speedy process you may also call us at our call center (021- 111-338-111) or simply visit our website, fill in the intimation form and email it to us at [email protected] Thereafter, you will be contacted for next steps.
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