Leading Life and Health Insurer and Family Takaful Operator in Pakistan

Today's financial decisions shape tomorrow's security

Unlock financial security for your employees with the Hemayah Takaful Group Savings Plan. Its coverage and investment combined, featuring low contributions, high returns, and inflation protection.

High Returns: Invest in EFU Takaful Growth Fund for potential high returns.
Significant Fund Value: Benefit from high initial allocation for a substantial fund value at maturity.

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FAQs

It is a Shariah-compliant plan that combines long-term savings and investment in a Halal manner with a Takaful (Islamic insurance) cover, providing financial security and growth for your employees.

You can choose from three funds: the Takaful Conservative Fund (Low Risk), Takaful Growth Fund (Medium Risk), and for larger contributions, the Takaful Aggressive Fund (High Risk).

Your allocation increases over time to reward long-term saving, starting from 70% in Year 1. From Year 6 onwards, you receive a bonus allocation of over 100%, meaning more than your entire contribution is invested.

FAC allows you to make lump-sum top-up payments (min. PKR 9,000) at any time to boost your savings potential and accelerate the growth of your investment fund.

The main charges include Allocation Charges (a percentage of your contribution that decreases from 30% in Year 1 to 0% by Year 4), an Annual Administration Charge, and a Wakala Charge (50% of the Takaful donation).

The Sum Covered is the Takaful benefit payable. It is calculated by multiplying your annual contribution by a "Protection Multiple," which varies by age, ensuring a tailored level of cover for each participant

If you stop after two years, you have flexible options. Your policy can be made "Paid-up," preserving its value without further payments, or you can use the accumulated value to continue the Takaful cover for a period.