Mehfooz Kal – Protect Your Family’s Future

JS Bank offers Mehfooz Kal, a term life insurance plan exclusively designed to provide you with a simple and affordable way of protecting your loved ones against any unfortunate event. Mehfooz Kal is a one-year renewable term insurance scheme that pays a fixed lump sum benefit in the case of death due to natural or accidental causes. Mehfooz Kal is underwritten by EFU Life Assurance Limited and is only available to account holders of JS Bank.

Protect your family and invest in their dreams through this Insurance Plan that provides your family with a cover incase misfortune strikes. Mehfooz Kal can help your loved ones continue living their lives without fearing financially for their future when you’re gone. Enjoy peace of mind when you know there’s some financial security in place for your loved ones.

Categories and Benefits of Mehfooz Kal

Mehfooz Kal focuses on ensuring comfort for your family while silently protecting their happiness, in case you face an unforeseen situation of death.

You may choose from the following plans of Mehfooz Kal, along with the associated benefits:

Plan Categories Lump Sum Benefits

Payable upfront (PKR)

Premium Payment

per annum (PKR)

Bronze 500,000 1,600
Silver 1,000,000 3,200
Gold 1,500,000 4,800
Platinum 2,000,000 6,400

Insurance Coverage Period

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

Enrolment, Eligibility & Term

  • To enroll for Mehfooz Kal simply dial JS Bank at 0800-01122.
  • Mehfooz Kal – Term Insurance Plan is only available for account holders of JS Bank.
  • Mehfooz Kal is available to anyone 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.

Claim Settlement Process:

Claims shall be lodged at the head of claims department- EFU at [email protected]


  • 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 EFU Life House, Plot No. 112, 8th East Street, Phase I, DHA, Karachi.
  • 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.