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. EFU Roshan Kal is a flexible investment plan. The plan provides the client with savings with high value returns along with flexible terms and conditions. The purpose of the plan is to provide potential clients a vital financial planning tool to better equip them to face their future with confidence and readinessApply Now!
Disclosure of Product
This 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).
Free Look Period
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
|Unit Allocation %
|Year 4 to 10
|Year 11 & onwards
|100% plus loyalty bonus allocation
*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.
What is RoshanKal?
RoshanKal is a flexible investment plan. The plan provides the client with savings with high value returns along with flexible term and conditions. The purpose of the plan is to provide potential clients a vital financial planning tool to better equip them to face.
Opportunity for Growth
Multiple Fund Option: Under this option you have a facility to select a mix of two unit linked funds of the plan. Fund mix can be selected in multiples of 10%. It means that the funds split can be of 90/10, 80/20, 70/30, 60/40 or 50/50.
The minimum premium is PKR 24,000 per annum
Available to individuals from 18 years of age to 65.
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:
|Rate / PKR
|PKR 90 per month
|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
|Surrender Processing Fee
|100% for the first year
|As per the above Unit Allocation table
In case of an unfortunate event, you may file your claim intimation through any JS 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.