QAISER

EFU Life Assurance Ltd.

Illustration Of Benefits for 'Prosperity For Life'

Prepared for: Mr. QAISER KHAN

Basic Details:

Date of Birth of: Mr. QAISER KHAN Age: 24 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

30/01/1992

Prosperity for Life [Protection Multiple =30] 1,800,000 Whole of Life 60,000

1074 - ( 2.0.0.0 )

Accidental Death and Disability Benefit 1,800,000 20 2,700

Waiver of Premium 20 1,254

Total Annual Premium

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

Rs.63,954

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

15,577 1,815,577 15,293 1,815,293 15,008 1,815,008 60,000 1 *** 66,328 1,866,328 64,811 1,864,811 63,305 1,863,305 123,000 2

131,318 1,931,318 127,288 1,927,288 123,331 1,923,331 189,150 3

212,605 2,012,605 204,390 2,004,390 196,412 1,996,412 258,608 4

305,028 2,105,028 290,626 2,090,626 276,803 2,076,803 331,538 5

412,235 2,212,235 389,223 2,189,223 367,399 2,167,399 408,115 6

533,512 2,333,512 499,029 2,299,029 466,720 2,266,720 488,521 7

670,437 2,470,437 621,122 2,421,122 575,481 2,375,481 572,947 8

824,656 2,624,656 756,581 2,556,581 694,353 2,494,353 661,594 9

998,037 2,798,037 906,628 2,706,628 824,110 2,624,110 754,674 10

2,244,312 4,044,312 1,937,749 3,737,749 1,678,065 3,478,065 1,294,714 15

4,389,254 6,189,254 3,590,994 5,390,994 2,957,513 4,757,513 1,983,957 20

7,992,862 9,792,862 6,178,847 7,978,847 4,832,171 6,632,171 2,863,626 25

13,937,947 15,737,947 10,151,106 11,951,106 7,524,997 9,324,997 3,986,331 30

23,736,973 23,736,973 16,271,732 16,271,732 11,441,227 11,441,227 5,419,218 35

39,754,638 39,754,638 25,616,014 25,616,014 17,084,359 17,084,359 7,247,986 40

65,630,878 65,630,878 39,655,258 39,655,258 25,049,512 25,049,512 9,582,009 45

72,453,369 72,453,369 43,206,229 43,206,229 26,993,330 26,993,330 10,121,110 46

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:

10/03/2015 7:10:09AM

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. QAISER KHANReference No: 1074 - ( 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, an additional amount of Rs .1,800,000 is payable, if the Life Assured becomes permanently disabled or

dies by means of accident.

> 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. QAISER KHAN & 00000-0000000-0

Not Available

10/03/2015 7:10:10AM




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. QAISER KHAN

(Option 2 )


Application for Fund Selection

(For New Business Only)Reference No: 1074 - ( 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.

10/03/2015 7:10:10AM




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