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Mehfooz Kal

Protect Your Family’s Future

With Mehfooz Kal, protect your loved ones against any unfortunate event. This one-year renewable insurance pays a fixed lump sum benefit in case of demise of the plan holder due to natural or accidental causes. Mehfooz Kal is only available to account holders of JS Bank.

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What you need to know

Available to individuals between 18 and 60 years of age. However, once enrolled the coverage continues till the age of 65 years upon regular payment of due premiums.

Mehfooz Kal will cover your life for one
complete year and is renewable after one year.


Term Insurance Plan is only available for account holders of JS Bank
Pick whichever fund you want based on your needs and risk tolerance from the following:
  • EFU Managed Growth Fund
  • EFU Guaranteed Growth Fund
Plan CategoriesLump Sum Benefits Payable upfront (PKR)Premium Payment per annum (PKR)
Bronze 500,0001,600
Silver 1,000,0003,200
Gold 1,500,0004,800
Platinum 2,000,0006,400


  • Mehfooz Kal is an insurance product underwritten, issued and subject to the terms and conditions set by EFU Life Assurance Limited, an insurance company having its principle office in Pakistan at 37-K, Block 6, PECHS, Karachi 75400.
  • Mehfooz Kal is not a JS Bank Limited product. JS Bank Limited is acting as the distributor of Mehfooz Kal on behalf of EFU Life Assurance Limited.
  • JS Bank Limited will not be responsible in any manner if your application or claim is rejected by EFU Life Assurance Limited nor will it investigate or provide any opinion or merits of the claim.
  • Service charges and taxes will be applicable as per the Bank’s "Schedule of Charges" and taxation laws as stipulated by the relevant authorities.