Illustration Plan

EFU Life Assurance Ltd.

Illustration Of Benefits for 'Prosperity For Life'

Prepared for: Mr. MUHAMMAD FAISAL

Basic Details:

Date of Birth of: Mr. MUHAMMAD FAISAL Age: 34 Expected Commencement Date: 01/03/2015

Reference No:

Coverage Details:

Currency: Rupees Mode: Annual Type: Indexed Premium Compound

Sum Assured Term Premium

Death Benefit: Option 2

01/05/1981

Prosperity for Life [Protection Multiple =20] 900,000 Whole of Life 45,000

1095 - ( 2.0.0.0 )

Accidental Death and Disability Benefit Plus 900,000 20 1,575

Life Care Plus 500,000 20 3,580

Waiver of Premium 20 1,003

Total Annual Premium

All benefits are at the end of policy yearTable 1:Illustrative Values

Rs.51,158

Cash ValueMain Plan Death

BenefitMain Plan Death

Benefit

Cash ValueMain Plan Death

Benefit

Cumulative Main

Plan Premium Paid Cash ValuePolicy

Year

11% p.a Rate of Return9% p.a Rate of Return7% p.a Rate of Return

11,336 911,336 11,129 911,129 10,922 910,922 45,000 1 *** 48,886 948,886 47,771 947,771 46,664 946,664 92,250 2

96,970 996,970 93,999 993,999 91,083 991,083 141,863 3

157,183 1,057,183 151,119 1,051,119 145,230 1,045,230 193,956 4

225,628 1,125,628 214,988 1,114,988 204,776 1,104,776 248,653 5

304,995 1,204,995 287,986 1,187,986 271,854 1,171,854 306,086 6

394,780 1,294,780 369,285 1,269,285 345,395 1,245,395 366,390 7

496,079 1,396,079 459,611 1,359,611 425,857 1,325,857 429,710 8

610,120 1,510,120 559,773 1,459,773 513,748 1,413,748 496,195 9

738,253 1,638,253 670,647 1,570,647 609,613 1,509,613 566,005 10

1,656,630 2,556,630 1,430,024 2,330,024 1,238,082 2,138,082 971,035 15

3,225,698 4,125,698 2,636,692 3,536,692 2,169,446 3,069,446 1,487,968 20

5,899,564 5,899,564 4,562,636 4,562,636 3,570,606 3,570,606 2,147,719 25

10,383,997 10,383,997 7,586,682 7,586,682 5,645,774 5,645,774 2,989,748 30

17,747,488 17,747,488 12,215,316 12,215,316 8,629,283 8,629,283 4,064,414 35

19,703,570 19,703,570 13,396,603 13,396,603 9,364,099 9,364,099 4,312,635 36

Notes:

> This is a Whole of Life contract hence a fixed maturity age is not applicable. However, an age of 70 years is used above for illustration purposes.> The following year-wise percentages of the basic premium would be allocated for purchasing the units:

Year 1:30% - Year 2:80% - Year 3:90%- Year 4 to 5:100% -Year 6 to 10:103%- Year 11 onwards:105%

> Following expenses would be charged every year for Prosperity for Life:

Fund Management Charge = 0.125% of the Regular Premium Cash value and FAP cash value per month.

Bid-Offer Spread = 5% of the net Regular Basic Premium and Fund Acceleration Premium.

Administration Charge = Rs. 480 per annum (this charge only applies to the basic regular premium)

> For determining the illustrative values mentioned above, the Administration Charge is increased every year by 2% which is the average rate at which

the Company has increased its Administrative Charge in the last five years.

> The Illustrative Values do not take into account any partial surrenders.

> Death Benefit is the sum of the Cash Value and Sum Assured, till 55 years age next birthday. From age 56 onwards the Death Benefit is greater of

Sum Assured or Cash Value.

> *The policy cannot be surrendered until two full year's premiums have been paid.> There is an option of applying the cash value to provide an annuity. The amount of expected annual pension will depend on the investment climate

prevailing at the time when the pension is purchased.

Sales Representative:Client:

Name: Name:

Signature: Date: Signature: Date:

11/03/2015 7:24:46AM

EFU Life Assurance Ltd. is registered and supervised by the Securities and Exchange Commission of Pakistan.

ISO 9001:2008 Certified Company

Rated AA by JCR-VIS Credit RatingPage 1 of 3

Notes:


Illustration Of Benefits for 'Prosperity For Life'

Prepared for: Mr. MUHAMMAD FAISALReference No: 1095 - ( 2.0.0.0 )

> Under the Inflation Protection Benefit,the Basic Regular Premium will increase every year by 5% of the prior year's premium.

> The policyholder has the option to pay Fund Acceleration Premiums from first year onwards. 100% of the Fund Acceleration Premiums are allocated to

purchase units.

> An age based mortality charge applies for the life insurance risk each year and is dependent on the sum at risk. From age 56 onwards, no mortality

charge applies in years where the cash value exceeds the sum assured.

> The 'Rate of Return' assumptions of 7%, 9% and 11% mentioned in the table(s) above are before deduction of 'Fund Management Charge'. This

charge has been deducted from the 'Rate of Return' assumption prior to determining the illustrative values in the table(s).

> The Fund Values are based on assumptions; the actual values can be higher or lower than the ones illustrated above depending upon the performance

of the underlying investments in the EFU Managed Growth Fund. The values illustrated are net of all charges.

> Under Accidental Death and Disability Benefit Plus, an additional amount of Rs .900,000 is payable, if the Life Assured becomes permanently disabled

or dies by means of accident.

> Lifecare Benefit Plus covers Heart Attack, Coronary, Artery surgery, Cancer, Paralysis, Kidney Failure, Stroke, Blindness, Major Organ Transplant,

Multiple Sclerosis, Deafness, Benign Brain Tumour, Coma, Major Head Trauma, Loss of Limbs and Loss of Speech.

> Under Waiver of Premium(WOP), if the life assured becomes permanently disabled thus incapable of performing any occupation, the premium is

waived off and the policy continues in the same way as prior to disablement.

> This is the approved illustration format of the Company. Any other illustration, verbal, written or electronic, which contradicts with this illustration should

not be given any consideration and should be reported to the Company.

> A description of how the contract works is given in the Policy Provisions and Conditions.

> All charges mentioned in the above notes are reviewable at the discretion of the Company.

> The selected fund is EFU Managed Growth Fund and the investable part of basic premium will be invested in this fund. This is a balanced asset

allocation fund. Please note that Unit Linked life insurance plans are subject to investment risk factors, Investment risk in the investment fund selected by

policyholder is borne by himself, and unit prices may go up or down reflecting the market value of the underlying assets.

Declaration by Sales Representative:

Signature:

Sales Consultant Code:

Date:

Name & Designation : &

I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this illustration. I also confirm that I have not

misled or deceived the prospective client in any way.

In case of any misconduct on my part, the Company and I shall be responsible for any loss to the prospective client. In such circumstances, SECP shall

have the authority to take any action in light of the Insurance Ordinance 2000.

Declaration by Client:

Signature: Date:

Name & CNIC :

Address:

I have studied the above illustration and the notes carefully and understood them fully. I also confirm that no other illustration, verbal written or electronic,

in contradiction to this illustration has been given to me.

Mr. MUHAMMAD FAISAL & 00000-0000000-0

Not Available

11/03/2015 7:24:46AM




Full Name of Proposed Life Assured :

CNIC No.:

Name of Plan:

1. I hereby agree to select the following Fund in connection with my Proposal & Declaration for Life Assurance:

00000-0000000-0

Prosperity for Life

Mr. MUHAMMAD FAISAL

(Option 2 )


Application for Fund Selection

(For New Business Only)Reference No: 1095 - ( 2.0.0.0 )

(Please tick one) Fund

EFU Managed Growth Fund

EFU Guaranteed Growth Fund

EFU Aitemad Growth Fund

2. I understand, agree acknowledge that 'Unit Allocation' of current and future 'Regular Premium' and any 'Fund Acceleration Premium' will be done in

accordance with all relevant Clauses of the Standard Policy Provisions & Conditions governing the Plan I have selected . I further understand and

agree that 'Unit Allocation' would be made in the Fund selected in para 1 above.

3. I understand, agree and acknowledge that the criteria set out by the company shall determine the acceptability of my request and that the Company

shall have the right at its discretion to disallow my request if this application fails to meet the criteria prescribed by the Company from time to time.

4. I understand, agree and acknowledge that this Application would take effect only after my Proposal & Declaration for Life Assurance has been

accepted by the Company and communicated to me in writing; first premium has been received and realized at the Company's Main Office; and the

Policy Document has been issued.

5. I understand, agree and acknowledge that this Application can not be back -dated and will only take effect after issuance of the Policy by the

Company as detailed in Para 4 above.

6. I understand, agree and acknowledge that Investment Funds are subject to investment risks and the unit prices may go up or down reflecting the

market value of the underlying assets.

7. I fully agree to pay any Fees and Charges applicable to Fund Selection as determined by the Company from time to time.

8. I hereby declare that I have fully understood the above and have selected the fund mentioned in Para 1 of this Application on my own free will.

9. I understand, agree and acknowledge that this Application, once approved, shall from part of the Standard Policy Provisions and Conditions

governing the Policy with which it is attached.

Signed at on the day of in the year

Signature of Proposed Life Assured

Important Notice: This Application, together with 'Proposal & Declaration for Life Assurance', shall form part of the Contract between the Proposed

Life Assured and EFU Life Assurance Ltd and will be the basis on which the policy will be issued.

11/03/2015 7:24:46AM




Documents

Illustration Plan