1. See your capital appreciate with
Wealth Builder Plus

2. EFU LIFE Wealth Builder Plus
Sometimes your best investments are the ones you don’t make!
Few of the many problems faced by an investor are:
How to start with a small investment?
How to maximize capital growth with financial security?
The ideal solution is
EFU LIFE Wealth Builder Plus
Provides the perfect investment vehicle to cater for both: the desire for capital gains and the need for financial security

3. 100% How your money is invested
Your contributions to the Plan will buy units in the Fund of your choice
There are two unit prices quoted for this fund
Offer
The “Offer” price at which you buy units
100%
Bid
The “Bid” price at which units are bought back from you by EFU when you want to encash the whole or part of your Plan
of your investment is used to buy units at the prevailing offer price.
All EFU Life investment funds are valued daily and the unit prices are published on our website.

4. Where your money is invested
100% of the single premium will be invested by default in:
EFU Guaranteed Growth Fund
Features:
Very Low Risk
Guarantee that the bid price
never falls
Ideal for higher age investors
Apart from this there are three more fund choices available to you, namely:
EFU Managed Growth Fund
EFU Capital Growth Fund
EFU Aitemad Growth Fund

5. Why Wealth Builder Plus is better
Benefits EFU Wealth Builder Plus provides compared to National Saving Schemes
Significant savings in the form of tax credit on your investment
No withholding tax on encashment
Benefit from the investment expertise of EFU Life – one of the largest fund managers in Pakistan
Select an investment fund that caters to your risk appetite

6. Why Wealth Builder Plus is better Defense Saving Certificate
Below is a comparison of EFU Wealth Builder Plus with NSS Defense Saving Certificate to illustrate the benefits of this plan.
Wealth Builder Plus
Defense Saving Certificate
Invested Amount
Rs. 500,000
Value of Investment After 5 years
Rs. 767,207
Rs. 775,000
Tax
Nil
Rs. 27,500
Zakat
Nil*
Rs. 19,375
Tax Relief (Assuming monthly salary of Rs. 100,000)
(Rs. 18,000)
Value of investment after adjustments
Rs. 785,207
Rs. 728,125
Net Annual Return
9.45%
7.81%
* Zakat will not be deducted on source

7. Benefits of Wealth Builder Plus
Built-In Protection Benefit
Natural Death
The natural death benefit is;
Greater of, 101% of the Single Premium Paid or Basic Cash Value.
Accidental Death
The accidental death benefit is;
Tax Credit Benefit
Greater of, Single Premium Paid or Cash Value of the Plan
Plus
Built in Accidental Death Benefit of 300% of Single Premium Paid up to a maximum of 10 million
You can earn Tax Credit in accordance with your monthly salary and amount of premium paid

8. “Don’t simply retire from something; have something to retire to.”
Retirement Income
“Don’t simply retire from something; have something to retire to.”
You have the facility of applying the maturity value to purchase a pension from EFU Life, to help you maintain your standard of living in retirement.

9. Other Important Details
Term
Minimum Contribution
Whole of Life.
Rs. 50,000
Bid/Offer Spread
Investment Management Charge
5% of the contribution.
0.125% of the fund value per month.
Accidental Death Benefit Charge
To be deducted as de-allocation at bid price
Rate: 1.5 per ‘000 Sum Assured ADB
Surrender
Surrender is allowed for full Cash Value at any time after the end of second policy year. In the first two years, following charges will apply on all surrenders:
Year
As % of the Fund Value
Surrendered 1 7% 2 3%