FOR over three decades, EFU Life has been the vanguard of financial protection in Pakistan.

Today, the company`s mission has evolved beyond simple safeguarding to actively shaping a future where health, security, and financial wellbeing are accessible to every household.

2025 marked a decisive leap in this journey, as insurance was reimagined to be simpler and more inclusive, laying a clear roadmap for purposeful progress and disciplined value creation. This strategy delivered strong results, with the company achieving an impressive growth of over 37 per cent and recording a gross premium of Rs.

57.05 billion.

Driving meaningful impact, empowering lives EFU Life`s strategy for community impact is rooted in the belief that Knancial protection is inseparable from physical and digital accessibility. This vision gained significant momentum following the acquisition and subsequent amalgamation of EFU Health into EFU Life in May 2024, with 2025 marking the first complete year of unified operations.

This strategic integration allowed the company to strengthen its health proposition through the launch of Mukammal Sehat, its flagship retail health insurance solution forindividuals and families.

Designed to make quality healthcare more accessible, the plan offers flexible coverage options with protection extended up to 80 years of age, coverage for pre-existing conditions, and enhanced limits for accident-related hospitalisations. Mukammal Sehat provides cashless hospitalisation, diagnostics and emergency care, along with optional maternity cover and a built-in M-Health Rider that enables teleconsultations, pharmacy savings and digital health management tools.

Building on its focus on preventive healthcare, the company expanded EFU Life WIN with WIN Lite an affordable, holistic wellbeing platform promoting healthier lifestyles and long-term financial security.

Powered by global health-tech partner dacadoo, it rewards positive lifestyle habits across physical,mental, nutritional, and financial wellbeing.

For customers focused on longterm financial security, EFU Life continues to deepen its savings and retirement offerings. Following its registration as a Pension Fund Manager under the VPS Rules, the company remains well positioned to serve Pakistan`s growing retirement planning needs through structured savings solutions, Shariah-compliant pension products, and retirement readiness plans.

Through these offerings, EFU Life is helping customers plan not justfor today, butfor the decades ahead. This life-stage approach recognises that insurance is not a one-time purchase, but a lifelong relationship built around evolving priorities.

The delivery of these innovative solutions has been further revolutionised by the 2025 launch of Thrive, Pakistan`s first holistic digital insurance platform.

Serving as the primary engine for the company`s digital transformation, Thrive enables a fully self-service experience with instant onboarding and automated policy issuance.

However, the platform`s impact goes beyond mere operational efficiency; it actively incentivises positive financial behaviour through literacy tools and the `EFU Life Coins` rewards system.Each policy issued through Thrive also carries a social purpose, with a portion of the premium donated to a community cause chosen by the customer.

Yet, what truly defines EFU Life is not only scale, but purpose. EFU Life`s newly established Sustainability and Social Impact vertical is guiding efforts to embed ESG principles into every facet of the business.

At the core of this is the company`s Green Commitment, embedded within its Individual Life business. Every policy issued contributes to tree plantation and biodiversity restoration across Pakistan, linking everyday financial decisions with environmental impact.

Operationally, EFU Life has reduced its environmental footprint through digitisation and efficiency improvements. Over a million pages have been replaced through digital workflows, while investments in IT optimisation and energy-efficient infrastructure have helped manage energy use.

The company`s EDGE Green Building Certification reflects these efforts, with measurable gains including 22pc energy savings and 35pc water savings at its headofñce.

Beyond operations, EFU Life continues to engage with commu| nities through initiatives such as | tree plantation drives, coastal clean-ups, and partnerships with organisations like World Wildlife Fund (WWF) Pakistan. At the same time, efforts to expand financial inclusion and digital access remain central to ensuring that underserved populations are not left behind.

The company`s focus on sustainability, inclusion, and responsible growth reflects a broader view of what insurance should offer.Through digital access, health solutions, retirement planning, and community initiatives, EFU Life is helping shift insurance from a onetime transaction to a lifelong support system built around care and security.

Shaping the future of insurance in Pakistan Looking ahead, EFU Life views the rapid pace of technological disruption and shifting economic landscapes not as challenges, butas catalysts for transformation.

The Company remains committed to fostering a collaborative ecosystem between regulators, stakeholders, and communities to strengthen insurance awareness and deepen financial inclusion across Pakistan.

Anchored in a digital first mindset and strong capital resilience, EFU Life continues to expand its reach, currently serving over 14 million lives, with the shared goal of advancing a more secure and inclusive future where insurance becomes an essential part of every household`s financial wellbeing. •