EFU High Value Savings Plan, an exclusive product for elite customers that helps you in planning your finances better so that your future is filled with prosperity. It offers competitive and higher allocations along with life insurance cover. With this plan, you can make yourself relax knowing that your future financial objectives will be achieved. It also gives you access to all services of PRIMUS to enhance your lifestyle needs.

Apply for Efu High Value Saving Plan today, and make your ‘Har Pal Mehfooz’

For further details please contact our Bancassurance Sales Manager/Officer at one of the selected MCB Bank Branches, or call 111-000-622.


  • MCB Bank Ltd is acting as a promotor/distributor and corporate insurance agent of EFU Accelerated Savings Plan on behalf of EFU Life and is not responsible in any manner, whatsoever, to the customer, his/her beneficiary/ies or any third party.
  • All EFU High Value Savings Plan applications are processed and approved by EFU Life as per their underwriting guidelines. MCB Bank is not responsible for the processing and approval of these applications in any way, whatsoever.
  • These details provide only an introduction of the benefits available under the policy. A detailed description of how the contract works are given in the 'Provisions and Conditions', which will be provided after the customer policy is issued to his given address.

Opportunity for Growth:

You can select from the following unit funds mentioned below at the inception of the policy.

EFU Managed Growth Fund

EFU Guaranteed Growth Fund

EFU Aggressive Fund

Unit Allocation

Year-wise allocation percentages of the policyholder’s premium are shown in the table below:

Year Unit Percentages
1 65%
2 97%
3 to 4 100%
5 105%
6 100%
7 107%
8 to 9 100%
10 115%
11 to 14 100%
15 120%


This is the amount payable on the unfortunate event of death of the policy holder/life assured. This is equal to the Regular Basic Plan Premium times the protection multiple selected by the policy holder. The Protection Multiple is subject to limits dependent on the age at commencement. Refer to the table below for further details:

Age (Years) Protection Multiple
18 to 35 5 to 75
36 to 40 5 to 50
41 to 49 5 to 35
50 to 60 5 to (70 age)
61 to 65 5

Death Benefit:

Greater of Sum Assured of Main Plan or cash Value plus cash value of FAP (if applicable)

Additional Benefits:

  • Accidental Death and Disability Benefit OR
  • Accidental Death Benefit
  • Waiver of Premium
  • Family Income Benefit
  • Life Care enhanced Benefit
  • Additional Term assurance
  • Fund Acceleration Premium
  • Indexation

Free-Look Period

If you cancel your policy within free look period of 14 days from the date of the documents receipt, you are entitled for a full refund of premium less any expenses incurred by EFU Life in connection with our medical or clinical examinations.


Who can apply and what are the limits of plan?

Minimum savings term is 10 years, maximum 25 years’ subject to a maximum age of 75 years. This plan is available for all individuals aged between 18 and 65 years on next birthday.

What is the minimum/maximum Premium of the Plan?

Minimum annual basic plan premium is Rs. 250,0000/- only. There is no maximum limit.

What are the charges?

Administration charge: Rs. 180 per month

Bid/Offer Spread: 5% of the net regular Premium

Investment management Charge: 0.125% of the fund value per month


In case of an unfortunate event, you may file your claim intimation through an MCB Branch walk in, visiting the EFU Head Office or by visiting any of the EFU branches in the country. For a swift speedy process, you may also call us at our call center (021- 111-338-111) or simply visit our website, fill in the intimation form and email it to us at [email protected] Thereafter, you will be contacted for next steps.