Humsafar Plan

Humsafar – Your Companion in Life

Planning for the well-being of those who rely on us is one of our main responsibilities. The challenges life throws at us become easy to overcome once we know our family is shielded from unforeseen circumstances. We strive so our loved ones have their needs fulfilled timely. We can’t prepare them for our absence but can plan ahead so they live comfortably. With this in mind, how comforting does it sound to have a plan that not only covers you but also provides coverage to your spouse?

EFU Life brings you Humsafar – a joint life unit-linked whole-of-life plan providing coverage to both insured lives at a time, allowing savings to be accumulated for the family in the event of either parent’s untimely demise.

Main features:

Competitive unit allocation structure and additional bonus unit allocation from 6th year and onward.
Additional riders to enhance your insurance protection.
Hedge against inflation through the inflation protection benefit.
Top up savings, extra funds can be invested in the plan through Fund Acceleration Premium.
Option of partial or full withdrawal benefit during the plan depending on your needs.

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FAQs

In case of the first death, the Sum Covered is payable. After the first death, the surviving spouse has the option to continue paying contributions or cease payments. The benefit payable on death varies based on these choices.

Yes, the Humsafar Plan offers the flexibility to enhance your insurance protection through additional riders. These riders are designed to customize your coverage according to your specific needs and circumstances, providing an extra layer of security for you and your family.

The inflation protection benefit acts as a hedge against inflation. It ensures that the benefits provided by your plan are automatically updated to account for inflation each year. This helps to maintain the real value of your accumulated fund and provides a stronger financial foundation over time.

All individuals aged between 20 and 50 years are eligible to buy this plan.. The minimum annual premium required for this plan is 50,000 PKR.