EFU Life Assurance Ltd.

/
Illustration Of Benefits for 'Prosperity For Life' / ' '
Prepared for: Mr. MUHAMMAD ALI

Basic Details / :
Date of Birth of / : Mr. MUHAMMAD ALI 22-Jul-1990 Expected Commencement Date
01/12/2017
Age 28 next birthday / 28 :

Reference No / : 1216 - ( 4.5.0.0)

Coverage Details / :
Currency: Rupees Mode: Annual Type: Indexed Premium Compound Death Benefit: Option 2
: : : Sum Assured Term Premium

Prosperity for Life [Protection Multiple =20] 2,400,000 Whole of Life 120,000
Accidental Death and Disability Benefit 2,400,000 32 3,600
Waiver of Premium 32 2,472
Total Annual Premium / Rs.126,072
Table1: Illustrative Values / : All benefits are at the end of the policy year/
6% p.a. Rate of Return 8% p.a. Rate of Return 10% p.a. Rate of Return
Premium Cumulative Main 6% 8% 10%
Policy
Year for the Plan Premium Main Plan Death Main Plan Death Main Plan Death
year Paid Benefit Cash Value Benefit Cash Value Benefit Cash Value


1 120,000 120,000 2,431,178 31,178 * 2,431,766 31,766 * 2,432,354 32,354*
2 126,000 246,000 2,527,778 127,778 2,530,815 130,815 2,533,875 133,875
3 132,300 378,300 2,646,486 246,486 2,654,367 254,367 2,662,393 262,393
4 138,915 517,215 2,789,886 389,886 2,805,626 405,626 2,821,834 421,834
5 145,861 663,076 2,946,200 546,200 2,973,251 573,251 3,001,427 601,427
6 153,154 816,230 3,120,900 720,900 3,163,278 763,278 3,207,942 807,942
7 160,811 977,041 3,310,733 910,733 3,372,998 972,998 3,439,411 1,039,411
8 168,852 1,145,893 3,516,805 1,116,805 3,604,114 1,204,114 3,698,371 1,298,371
9 177,295 1,323,188 3,740,195 1,340,195 3,858,361 1,458,361 3,987,494 1,587,494
10 186,159 1,509,347 3,982,049 1,582,049 4,137,605 1,737,605 4,309,698 1,909,698
15 237,592 2,589,428 5,537,391 3,137,391 6,009,568 3,609,568 6,565,420 4,165,420
20 303,234 3,967,914 7,782,966 5,382,966 8,893,913 6,493,913 10,287,161 7,887,161
25 387,012 5,727,252 10,954,104 8,554,104 13,230,685 10,830,685 16,275,547 13,875,547
30 493,936 7,972,662 13,040,802 13,040,802 17,320,428 17,320,428 23,430,280 23,430,280
35 630,402 10,838,437 19,421,012 19,421,012 27,024,083 27,024,083 38,612,107 38,612,107
40 804,570 14,495,973 28,233,902 28,233,902 41,192,187 41,192,187 62,285,450 62,285,450
42 887,039 16,227,810 32,618,679 32,618,679 48,507,960 48,507,960 75,066,365 75,066,365
Inflation Adjusted
Inflation adjusted Inflation adjusted Inflation adjusted
Policy Cumulative Main Plan
3% p.a. Rate of Return 4% p.a. Rate of Return 5% p.a. Rate of Return
Year Premiums Paid
3% 4% 5%



42 6,378,168 9,767,501 9,767,501 9,940,667 9,940,667 10,639,058 10,639,058
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.
70
> *The policy cannot be surrendered until two full year's premiums have been paid.

> 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%

Client / : Sales Representative / :

Name / : Mr.MUHAMMAD ALI Name / :
Signature / : Date / : Signature / : Date / :
In case of a discrepancy between the English version and the Urdu translation, the English version will prevail. EFU Life Assurance Ltd.
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 EFU Life Assurance Ltd. /
Illustration Of Benefits for 'Prosperity For Life' / ' '
Prepared for: Mr. MUHAMMAD ALI
Reference No: 1216 - ( 4.5.0.0)
> Following expenses would be charged every year for Prosperity for Life:
Fund Management Charge = 0.125% of the fund value per month.
= 0.125%
Bid-Offer Spread = 5% of the net Regular Basic Premium and Fund Acceleration Premium (if any).
= 5% ( )
Administration Charge = Rs. 600 per annum (this charge only applies to the basic regular premium).
= ) (600/-
> 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.
56 ) (
.
> 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.
2%
> All charges mentioned in the above notes are reviewable at the discretion of the Company.

> 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.
56 55

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

> 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.
100%
> The 'Rate of Return' assumptions of 6%, 8% and 10% 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).
10% 8% 6%

> 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 .2,400,000 is payable, if the Life Assured becomes permanently
disabled or dies by means of accident.
2,400,000
> Under Waiver of Premium, 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.


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

Client / : Sales Representative / :

Name / : Mr.MUHAMMAD ALI Name / :
Signature / : Date / : Signature / : Date / :
In case of a discrepancy between the English version and the Urdu translation, the English version will prevail. EFU Life Assurance Ltd.
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 EFU Life Assurance Ltd. /
Illustration Of Benefits for 'Prosperity For Life' / ' '
Prepared for: Mr. MUHAMMAD ALI
Reference No: 1216 - ( 4.5.0.0)
> The selected fund is EFU Managed Growth Fund (a balanced asset allocation fund) and the investable part of basic premium will be invested
in this 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.
) (


> The "Cumulative Main Plan Premium Paid", mentioned in the table above, is net of the supplementary rider(s) premium charges which are
deducted from the total main plan premium as mentioned in the "Coverage Details" section.
" "
> A description of how the contract works is given in the Policy Provisions and Conditions.

> As per section 236U of the Income Tax Ordinance 2001, an advance tax of 1% of gross premium is applicable per annum on non- filers
for premium greater than Rs. 200,000. The values illustrated above are based on the assumption that the policy holder is a filer. The actual
cash values will depend on the tax status of the policy holder during the term of the plan. Applicable tax for non-filers will be collected as
de-allocation of units for each year the policy holder is a non-filer.
) ( 200,000 236 2001
) (
-
> This is the approved illustration format of the Company and not a contract. 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.

Declaration by Client / :
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.
/ /
/

Signature / : Date /
Name & CNIC / : Mr.MUHAMMAD ALI & 00000-0000000-0

Address / : Not Available

Declaration by Sales Representative / :

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.

/ / /

2000

Signature / : Date /

Sales Consultant Code / :

Name & Designation / &

In case of a discrepancy between the English version and the Urdu translation, the English version will prevail. EFU Life Assurance Ltd.
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 EFU Life Assurance Ltd. /
Historical Investment Performance /

Historical Performance /
The historical performances of EFU Life Assurance Limited's Funds are as follows:

EFU MANAGED GROWTH FUND /

Launched On 18/03/1994 Risk Profile Moderate Category Balanced

: :

Year/ 2017* 2016 2015 2014 2013

Yearly Returns/ 6.91 % 19.07 % 12.89 % 22.03 % 15.23 %
Average return since inception (1994) of the fund / ( 1994) 15.29 %

EFU GUARANTEED GROWTH FUND /

Capital Protection with Growth
Preservation
Launched On 07/10/2009 Risk Profile Low Category

: :

Year/ 2017* 2016 2015 2014 2013

Yearly Returns/ 2.38 % 6.43 % 7.51 % 10.15 % 9.24 %
Average return since inception (2009) of the fund / ( 2009) 9.76 %

EFU AITEMAD GROWTH FUND /

Launched On 22/02/2008 Risk Profile Moderate Category Balanced

: :

Year/ 2017* 2016 2015 2014 2013

Yearly Returns/ 12.11 % 21.14 % 18.88 % 16.04 % 17.36 %
Average return since inception (2008) of the fund / ( 2008) 15.40 %

*This return is derived on the basis of actual fund performance from 1st Jan 2017 - 31st May 2017

Declaration from Sales Representative /

I confirm I have not made any verbal, written or electronic presentation which is in contradiction to this historical investment performance
presentation. I also confirm that I have not misled or deceived the prospective client in any way.
/ / /

Client / Sales Representative /

Signature / : Date / : Signature/ : Date/:

Name & CNIC/ Mr.MUHAMMAD ALI & 00000-0000000-0 Name & Code / :
:Address / : Not Available Designation / :

In case of a discrepancy between the English version and the Urdu translation, the English version will prevail. EFU Life Assurance Ltd.
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 EFU Life Assurance Ltd. /
Application for Fund Selection /
(For New Business Only) / ()
Reference No: 1216 - ( 4.5.0.0)

Full Name of Proposed Life Assured :

Mr.MUHAMMAD ALI

CNIC No : 00000-0000000-0

Name of Plan :
Prosperity For Life (Option 2)

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

(Please tick one) Fund

()
EFU Managed Growth Fund /
EFU Guaranteed Growth Fund /
EFU Aitemad Growth Fund /

2. I understand, agree and 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 Policy
with which it is attached. I further understand and agree that Unit Allocation would be made in Fund(s) mentioned in Para 1 above.
/
/ 1 /
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, the first premium has been received and realized at the Companys
Main Office; and the Policy Document has been issued.
/

5. I understand, agree and acknowledge that this Application cannot be back-dated and will only take effect after issuance of the Policy by
the Company as detailed in Para 4 above.
4 /

6. I understand, agree and acknowledge that Investment Fund(s) 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(s) Selection as determined by the Company from time to time.
/
8. I hereby declare that I have fully understood the above Clauses and have selected the fund(s) mentioned in Para 1 of this Application on my
own free will.
/ 1 /

9. I understand, agree and acknowledge that this Application, once approved, shall form 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

Mr.MUHAMMAD ALI

Name /

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.

In case of a discrepancy between the English version and the Urdu translation, the English version will prevail. EFU Life Assurance Ltd.
16/11/2017 1:43:51PM ISO 9001:2008 Certified Company
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