EFU =EASTERN FEDERAL UNION

Efu is first and oldest muslim insurance company founded in 1932 calcutta India. (80 year old comp.)
After partition efu shifted to Pakistan.from 1962 to 1971 it remained largest insurance company in Asian
countries excluding japan (due to American atomic bomb attack) .efu never merged in any company
where 32 companies have merged in one corporation called state life insurance corporation. Even
jubilee insurance which was first NEW Jubliee . EFU is certified by ISO 9001:2000 and renew ISO
9001:2008
EFU is reinsured by MUNICH RE (please keep in mind) MUNICH RE is largest reinsurer in the world
based Germany. Total assets of Munich re is 30 billion rs. ****World trade centers claim was paid by
MUNICH-RE. We have 71% market share and you can say your clients please check security and
exchange commission of Pakistan (SECP).56 banks are operated in Pakistan and 51 are selling efu
products.
WHATS YOU ALWAYS NEED TO NOTE FROM CLIENT
NAME as per CNIC
Age as per CNIC
Salary ?
Married? if yes than wife is house wife or working lady if working lady than salary mention if possible.
Children and their ages?
If small children than give them education plan. Mentioned below


EDUCATION PLAN.
The main objective of this plan is to generate a lump sum for the higher education of the designated
child even if the life assured dies prior to the maturity of the plan.
Parents/blood relative is the life assured under this plan
Minimum premium (amount paid by clients in a year) =18000
Maximum premium = no limit
Parents age at entry
Minimum 18 year
Maximum 60 year
Term/period of the plan
Minimum 10 year .
Maximum 25 year
Example if MR.ALI has son age of 1 year he should continue his plan up to 20 year so that when his son
goes to university his father take out money with profits. NOTE: if life assured (Ali) dies than EFU Life
will continue his plan by giving premiums annually till maturity e.g 20 year
EFU LIFE is a transparent company clients can easily monitor his/her amount with profit on company
website www.efulife.com efu life is units base system clients can see unit price on business recorder
newspaper.
INVESTMENT PLANS
WHATS YOU ALWAYS NEED TO NOTE FROM CLIENT
Client Info
NAME as per CNIC
Age as per CNIC
Salary ?
Married? if yes than wife is house wife or working lady if working lady than salary mention if possible.
Children and their ages?
OK now its up to you how you design plan for your client according to his/her need there are lot of
plans/products more than 16 like education plan, marriage plan, khushalli plan ,prosperity for life plan,
investment plan,Nisa plan etc.here I would like to discuss investment plan it is more attractive in our
clients . suppose you took client info now suppose MR.Ahmad monthly salary is 50 thousand he can save
10 thousand in a month it means he can save 120,000 in a year if we design plan round about 1 lac for
him per year remember insurance premium (amount) always in a year. First year client give us full
premium other year he can take installment pattern monthly ,quarterly or 6 month installment.
Ok now MR.Ahmad give us 1 lac in a year if he will continue this policy up to 10 year( it means 10 lac in
ten year) what efu general provide him? Round about 28 to 30 lac if client dies or accidental disable than
efu provide him about 70 lac there are lot of benefits(natural death, accidental disability or disease etc)
its up to consultant who design plan according to clients requirment .and if client want to with draw
his/her money he can easily do but after paying two premium of two years Note in national saving of
Pakistan client with drawl his money after three year and their profit is so minor no compare with
efu.we gives highest paid up capital without involving any interest it is purely investment.Attached doc
mentioned all our investment committee members and those are experience person invest clients
moneybut where?may be client ask from you answer is 1.Company share (Stock Exchange) 2.gov
securities) 3.Banks even in gold and properties as well but always remember three mentioned above.
SO what investee takes back? Maturity plus accidental and death benfitmaturity claim = premium paid
by client plus cash value(rate of return) we have unit base system our client can easily monitor their
account status by website www.efulife.com by just entering policy number name and cnic number after
registration he can see his accounts units..just multiply units by ??? bid offer price from where he get
this??? if he dont want to bother on website One straight away just call to efu life and note that price
and multiply by his units as each clients have their own units provided by efu thats why efu easily
inform bid price not units but yes they can inform them full status as well and its good to see by client to
its own account as well .other way by reading newspaper (Business Recorder) note that price and
similarly multiply by its account units..now a days our profit is 14 to 15 %(change every year and never
falls down from 14% in good political culture in our country it easily goes to 20%) EFU is most
transparent insurance company in Pakistan in 1994 it was efu who introduce unit linked system in
Pakistan.
Remember for investment plans always prefer to go executive person so that he/she invest large
amount and you got good commission plans start from 2500, 50000,one lac .no limit.limit in just
khushalli plan its start from 8000 and limit to 17999. Education plans start from 18000 + benefit
fee=22000 and has no limit similarly for prosperity for life and investment plan and remember clients
maximum age should not be equal or more than 60 year efu do not gives plan to this age category
persons.
FOR more info kindly contact me
**********GOOD LUCK***********