Leading Life and Health Insurer and Family Takaful Operator in Pakistan

Reliable Shariah Compliant Retirement Solutions for Individuals and Institutions

EFU Hemayah has long been a trusted partner in protecting lives, health and financial wellbeing. With EFU Hemayah Secure Income Plan, we take that commitment further, helping individuals, businesses and institutions turn their hard-earned savings into a reliable, Shariah-compliant retirement income. Whether you’re approaching retirement, designing post-exit benefits for employees or seeking reinvestment options, our flexible annuity plans offer steady, halal returns that are free from market risks and management worries. With EFU Hemayah Secure Income Plan, your tomorrow remains as dependable as your today.

Key Features:

Contribution Type: One time Payouts
Entry Age: 18 years
Minimum Premium: Rs. 500,000
Payout Frequency: Monthly, Quarterly, Semi-Annual or Annual
Indexation: 5% and 10 %

Funds Under Management

PKR 231 Billion

Profit after Tax 2024

PKR 2.99 Billion

AA++ (Outlook Stable)

VIS Rating

Lives Insured

10 Million+

Funds Under Management

PKR 231 Billion

Profit after Tax 2024

PKR 2.99 Billion

AA++ (Outlook Stable)

VIS Rating

Lives Insured

10 Million+

Choose your Hemayah Secure Income Plan

Hemayah Life Annuity

Turn your savings into a monthly income that lasts your entire life, with Payouts increasing 5% every year. On death, your nominee receives either the full Cash Value or double in case of accidental death.

Best for individuals seeking lifelong financial security and protection against outliving their savings.

Hemayah Certain Annuity

Receive a guaranteed income for 10 or 15 years, whether or not you survive the full term. If you pass away earlier, the remaining payouts continue to your beneficiary.

Ideal for corporates structuring retirement benefits, or individuals who want to support dependents for a fixed period.

Hemayah Guaranteed and Life Annuity

Receive regular guaranteed income for 10 years, followed by lifetime Payouts for as long as you live. If you pass away during the first 10 years, your beneficiary continues to receive the remaining payouts.

Ideal for individuals seeking a balance of certainty and lifetime coverage, as well as corporates designing structured retirement benefits.

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FAQs

EFU Hemayah Secure Income Plan is a contract where you invest a lump sum amount and in return the insurer pays you a regular income. This ensures financial security and helps manage expenses during retirement.

Payments can begin immediately through any of the payout frequency selected by the annuitant.

You can choose when your income starts. Payments may begin right away under the chosen payout frequency by the annuitant (yearly, half yearly, quarterly or monthly).

EFU Hemayah currently offers the below annuity options:

Hemayah Annuity Certain: A single contribution plan with guaranteed payments for 5, 10 or 15 years.
Hemayah Life Annuity: A single contribution plan that provides income for life, ceasing upon death.
Hemayah Guaranteed & Life Thereafter: A single contribution plan with regular guaranteed income for 10 years, followed by lifetime payments for as long as you live. If you pass away during the first 10 years, your beneficiary continues to receive the remaining payouts.

Yes. You can opt for monthly, quarterly, half-yearly or annual payouts depending on your financial needs.

The treatment of your money depends on the annuity type. In some cases, payments stop upon death. In others, your nominee may receive the remaining value or continued income according to the plan chosen.

Turning Savings into Steady Income

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EFU Hemayah Secure Income Plan

EFU Hemayah Secure Income Plan

Reliable Shariah Compliant Retirement Solutions for Individuals and Institutions

Funds Under Management

Profit after Tax 2024

AA++ (Outlook Stable)

Lives Insured

Funds Under Management

Profit after Tax 2024

AA++ (Outlook Stable)

Lives Insured

Choose your Hemayah Secure Income Plan

Your Annual Payout

Your Annual Payout

Your Annual Payout

FAQs

What is an EFU Hemayah Secure Income Plan and how does it work?

How soon will I start receiving payments?

Can I choose how often I get paid?

What happens to my money if I pass away?

Turning Savings into Steady Income

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