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EFU Behtar Kal Retirement and Saving Plan is a comprehensive savings plan that fulfills your future financial needs. It is a complete plan which provides savings and protection that further strengthens your financial base for a brighter tomorrow. It is a unit-linked whole of life plan which aims and focuses to deliver a substantial growth of your investment, during the policy term with the added benefits of life insurance cover.
Death Benefit: The moment you start saving with EFU Behtar Kal Retirement and Savings Plan, you will have a guaranteed level of life insurance protection. After the death of the policy holder the beneficiary will be receiving:
Greater of the Sum Assured of the Main Plan or The Cash Value of the units applicable to the Regular Basic Plan premium.
Plus Cash Value of the units applicable to Fund Acceleration Premium (FAP).
The proportion of basic plan premium allocation to investment is as follow:
| Policy Year | Unit Allocation (%) |
|---|---|
| Year 1 | 55% |
| Year 2 | 80% |
| Year 3 | 90% |
| Year 4 to 5 | 100% |
| Year 6 to 10 | 103% |
| Year 11 and on wards | 105% |
Note: For a better understanding in making your selection according to your savings and needs, you may contact representatives at your nearest Habib Metropolitan Bank Limited branch.
The plan is available to all Habib Metropolitan Bank Limited customers between 18 to 65 years of age.
If you have surplus cash available at any point of time during the plan term it can be invested in the plan to enhance your cash values. These additional payments in the plan are called Fund Acceleration Premium payments. You can make these payments at any time while the policy is in force. The minimum FAP payment is Rs. 20,000. 100% of FAP payments are allocated to purchase units in the selected fund.
You can save up to 20% of your taxes and get insured. On EFU Life website you can use tax credit calculator to find the amount you can save. For more details visit below link:
https://www.efulife.com/m/taxcalculator/indexCopy.php
In case of an unfortunate event, you may file your claim intimation through any HMB 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 cod@efulife.com. Thereafter, you will be contacted for for next step.
This product is underwritten by EFU Life Assurance Ltd. It is not guaranteed or insured by Habib Metropolitan
Bank Limited or its affiliates and is not a Habib Metropolitan Bank Limited product.
Being a parent, you always keep your child as your priority. You want to give them best on the road to successful future. For this purpose, you plan to designcomplete financial package for your child’s education and marriage in an organized and disciplined manner, over a predetermined period and facilitating to your needs and
requirements.
EFU Behtar Kal Child Education & Marriage plan provides guaranteed level of insurance protection and flexible options to customize the benefits according to your needs. This plan also has continuation benefit features.
Continuation Benefit: On death of life assured prior to the maturity of plan, the plan ensures that your child’s futureremains secure by its Continuation Benefit. This is built into the plan and ensures that all future premiums are paid by EFU Life following the death of the life assured until the Plan’s maturity date. This means that the funds you had originally planned for your child will still be available for your children.
Maturity Benefit: At the end of the Policy Term, while the policyholder is still alive, the maturity benefit payable will be Cash Value applicable to the regular plan premium Plus Cash Value applicable to FAP payment, if any.
Your premium will be allocated towards investment as follows:
| Policy Year | Unit Allocation (%) |
|---|---|
| Year 1 | 55% |
| Year 2 | 80% |
| Year 3 | 90% |
| Year 4 to 5 | 100% |
| Year 6 to 10 | 103% |
| Year 11 and on wards | 105% |
Note: For a better understanding in making your selection according to your savings and insurance needs, you may contact representatives at your nearest Habib Metropolitan Bank Limited branch.
The plan is available to all Habib Metropolitan Bank Limited customers between 18 to 65 years of age.
If you have surplus cash available at any point of time during the plan term it can be invested in the plan to enhance your cash values. These additional payments in the plan are called Fund Acceleration Premium payments.
You can make these payments at any time while the policy is in force. The minimum FAP payment is Rs. 20,000. 100% of FAP payments are allocated to purchase units in the selected fund.
You can save up to 20% of your taxes and get insured. On EFU Life website you can use tax credit calculator to find the amount you can save. For more details visit below link:
https://www.efulife.com/m/taxcalculator/indexCopy.php
In case of an unfortunate event, you may file your claim intimation through any HMB 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 cod@efulife.com. Thereafter, you will be contacted for next steps.
This product is underwritten by EFU Life Assurance Ltd. It is not guaranteed or insured by Habib Metropolitan Bank Limited or its affiliates and is not a Habib Metropolitan Bank Limited product.
EFU Life – Window Takaful Operations brings to you EFU Takaful Asaan Bachat Plan (Savings Plan). A plan that gives you financial security for your family with investment in Shariah complaint portfolio and rewards you with a lifestyle you have dreamt. This plan is an economic way of achieving your financial objective without compromising on religious values.
Death Benefit: In case of an unfortunate event of death during the Membership term, the Takaful benefit will be payable as follows:
Maturity Benefit: At the end of the membership term and whilst the participant is alive, the maturity benefit will be payable as follows:
Year-wise allocation percentages of the participant’s contribution are shown in the table below:
| Year | Allocation (%) |
|---|---|
| Year 1 | 55% |
| Year 2 | 80% |
| Year 3 | 90% |
| Year 4 to 5 | 100% |
| Year 6 to 10 | 103% |
| Year 11 to 25 | 105% |
Note: For a better understanding in making your selection according to your savings and needs, you may contact representatives at your nearest Habib Metropolitan Bank Limited branch.
The plan is available to all Habib Metropolitan Bank Limited customers between 18 to 65 years of age.
In case the Participant has extra funds available, the plan provides the flexibility to channel these to the Plan and provide a boost to the savings. These lump sum contributions are called Fund Acceleration Contributions (FAC) and can be paid anytime during the year where policy is active. The minimum FAC payable is PKR 20,000 per payment.
You can save up to 20% of your taxes and get takaful coverage. On EFU Life website, you can use tax credit calculator to find the amount you can save. For more details visit below link:
https://www.efulife.com/m/taxcalculator/indexCopy.php
In case of an unfortunate event, you may file your claim intimation through any HMB Branch walk in (in case of Bancassurance Policies), 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 (021-111-338-436) or simply
visit our website, fill in the intimation form and email it to us at cod@efuhemayahtakaful.com. Thereafter, you will be contacted for next steps.
This product is underwritten by EFU Life – Window Takaful Operations.It is not guaranteed or insured by or its affiliates and is not a product of Habib Metropolitan Bank. Hence EFU Life – Window Takaful
Operations is responsible for all underwriting risk.
Unit link EFU Life – Window Takaful Operations brings to you Efu Takaful Kamyab Mustaqbil Plan In order to give better education and dream marriage to your children you put all your effort and want them to achieve 100% success in every challenge that they will be facing in future. you will require a suitable financial plan that ensures you don’t compromise on your goals of your child’s future. EFU Life – Window Takaful Operations presents EFU Takaful Kamyab Mustaqbil Plan (Education & Marriage plan) which will help you to save systematically so that you can secure your child’s future needs.
The plan is available to all HabibMetro Bank Limited customers between 18 to 65 years of age.
| Minimum Entry Age | Maximum Entry Age | Minimum Membership Term |
| 18 Years | 65 Years | 10 years |
The minimum annual basic Contribution is 20,000/. Customer can pay his/her Contribution in different mode, Annual, semi-annual, Quarterly and Monthly.*There is no maximum limit for the Contribution.
In case the Participant has extra funds available, the plan provides the flexibility to channel these to the Plan and provide a boost to the savings. These lump sum contributions are called Fund Acceleration Contributions (FAC) and can be paid anytime during the year where Membership is active. The minimum FAC payable is PKR 20,000 per payment. 100% of FAC payment is allocated to purchase units.
Basic Contributions are allocated as per the schedule shown below.
| Year | Allocation (%) | Allocation Charge % |
| Year 1 | 60% | 40% |
| Year 2 | 80% | 20% |
| Year 3 | 90% | 10% |
| Year 4 to 5 | 100% | Nil |
| Year 6 to 10 | 103% | Nil |
| Year 11 and onwards | 105% | Nil |
Note: For a better understanding in making your selection according to your savings and insurance needs, you may contact representatives at your nearest HabibMetro Bank Limited branch.
Funds
Membership holder has no option to select a unit fund based on his risk preferences and investment objective at the Membership inception. The funds available are:
Application charges are as follows:
| Charges | Amount/Rate |
| Administration Charges | PKR 135 Per month |
| Investment Management Charge | 0.125% of the fund value per month. |
| Bid/Offer Spread | 5% of the net regular Contribution |
Continuation Benefit: In the unfortunate event of death prior to the maturity of the plan, you would want to make sure that the future plans for your children are still fulfilled. The Continuation Benefit which is built into the plan will ensure that all future contributions will be paid by the PTF following the participant’s death until the plan’s maturity date. This means that the funds that you had planned for will still be available for your children.
Maturity Benefit: At the end of the membership term and whilst the participant is alive, the maturity benefit will be payable as follows: The Basic cash value of Participant’s Investment Account (PIA) Plus The cash value from Fund Acceleration Contributions in the Participant’s Investment Account.
Membership holder has the option to surrender his membership before the completion of membership term, customer will receive current cash value of underlying units in the membership (after deduction of all applicable charges) which may be less than the total contribution paid. customer also have the facility of partial withdrawals that may be exercised by leaving a minimum balance (residual value) in the cash value.
Takaful Accidental Death and Disability Plus Benefit*: This rider provides an additional lump sum benefit in case of an accidental death or disability (permanent & total) that makes you permanently disabled.
Takaful Income Benefit: This benefit ensures that a monthly income is paid to the family in case of the unfortunate death of the participant during the plan term.
Pilgrimage Benefit During the Plan term, if the Participant travels for religious pilgrimage, EFU Life – WTO offers coverage on death due to an accident while performing pilgrimage (Hajj, Umrah or Ziarat- religious journey etc.) The coverage under this accidental benefit will be 100% of the Main Plan Sum Covered, subject to a maximum limit of PKR 1,000,000. This feature will be applicable for an additional period of 13 months from the date of maturity or from the date of full surrender.
Takaful Waiver of Contribution Benefit: In case the individual is unable to follow his/her occupation due to disability because of sickness or accident, the contribution of the plan would be made by WAQF Fund/PTF managed by EFU Life-WTO.
Takaful Return of Contributions Benefit
The Return of contribution Benefit is a unique rider offered to prospective EFU Hemayah Takaful participants. This rider enhances your coverage by giving you an extra benefit. In an unforeseen event of death of the life covered, the beneficiary will not only receive the death benefit, but will also be able to receive the total amount of paid contribution as a benefit from the Waqf fund (PTF) excluding the contribution paid for the ROCB rider.
Habib Metropolitan Bank is just a promoter/ distributor and corporate agent of this product to its valued customers
