JS / Personal / Wealth Management / Bancassurance / EFU Roshan Kal

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.

Unit Allocation

Premiums are allocated to the investment fund based on the following unit allocation percentages

Policy Year Unit Allocation % Allocation Charges*
Year 1 57.5% 42.5%
Year 2 80% 20%
Year 3 90% 10%
Year 4 to 10 100% 0%
Year 11 & onwards 100% plus loyalty bonus allocation 0%

*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

  • EFU Guaranteed Growth Fund – Fund Categorization: Money Market Fund, Risk Profile: Low
  • EFU Income Growth Fund – Fund Categorization: Income Fund, Risk Profile: Low
  • EFU Managed Growth Fund – Fund Categorization: Balanced, Risk Profile: Medium
  • EFU Aggressive Fund – Fund Categorization: Aggressive Fund, Risk Profile: High

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.

Minimum Premium

The minimum premium is PKR 24,000 per annum


Available to individuals from 18 years of age to 65.

Additional Benefits

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:

  • Inflation Protection
  • Additional Term Assurance
  • Accidental Death and Disability Benefit
  • Accidental Death and Disability Plus Benefit
  • Family Income Benefit
  • Lifecare Plus benefit
  • Waiver of Premium


Charges Rate / PKR
Administration Charge PKR 90 per month
Bid/Offer Spread 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 PKR 500
Surrender Processing Fee PKR 500
Surrender Charge 100% for the first year
Allocation charges 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.


  • This product is underwritten by EFU Life Assurance Ltd. It is not guaranteed or insured by JS Bank Limited or its affiliates and is not a JS Bank Limited product.
  • JS Bank is just a promoter/distributor and corporate insurance agent of it’s valued customers.
  • Growth in the value of your contributions depends on the performance of the fund.
  • EFU Life Assurance Ltd is registered and supervised by Securities and Exchange Commission of Pakistan.
  • All investments made in selected fund are subject to market risks. The past performance of the fund is not necessarily a guide to future performance. Any forecast made is not necessarily indicative of future or likely performance of the fund and neither EFU Life Assurance Ltd. Nor JS Bank Limited will incur any liability for the same.
  • A personalized illustration of benefits will be provided to you by our sales representative. Please refer to the notes in our illustration for detailed understanding of various terms and conditions.
  • Service charges and taxes will be applicable as per the bank’s “schedule of Charges” and taxation laws as stipulated by the relevant authorities.
  • JS Bank Limited reserves the right to levy such additional charges(s) as may be required, to facilitate the making of contribution in the plan, in the event that the arrangement between JS Bank Limited and EFU Life Assurance Limited is discontinued.

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