EFU Group, originally Eastern Federal Union Insurance Company Limited, is a Pakistan based insurance company. It was the first insurance company in India founded in owned by the Muslims based in Calcutta. After the partition of India the company moved to Pakistan and operated in East Pakistan and West Pakistan.
In 1990, the Government of Pakistan reopened the life insurance business to the private sector organisations and EFU Life Assurance Ltd started operations in November 1992 as the first private sector life insurance company. In early 1993, EFU Life commenced its Group life insurance business and by March 1994, the company began writing its individual life business.
Pioneers and industry leader in the Life Insurance Sector, our major developments during the years are;
Strongest Financial base in the private sector
Highest paid-up capital of Rs. 1 Billion
One of the leading Asset Managers in Pakistan
Diversified Portfolio offering Best Value Products
Launched the First Window Family Takaful Operations under the brand name ‘Hemayah’
Launched the First Mobile app – EFU Life PlanIT
The largest salesforce in the private Life Insurance sector
Introduced MPOS System to facilitate online payments.
State of the art customer service
Prompt claim settlement
First life insurance company in Pakistan to be ISO certified. Currently, the Company is ISO 9001:2015 certified
“Insurer Financial Strength” rating of AA+, Outlook: Stable by VIS
EFU Life’s products are designed to meet the varying needs of EFU Life’s clients and offer the best in financial services.

EFU Life is the pioneer in introducing the following products and features in Pakistan

Unit-linked products
Critical Illness Products
Education Planning Product
Inflation Protection Benefit
Pension Plans
In 1990, the Government of Pakistan reopened the life insurance business to the private sector organizations and EFU Life Assurance Ltd started operations in November 1992 as the first private sector life insurance company. In early 1993, EFU Life commenced writing group life insurance business and by March 1994, the company began writing its individual life business.

Considered as pioneers in the life insurance business, EFU Life has always spearheaded unique ideas in the industry. The Concept of unit linking was first introduced in 1994 by us. Today, the life business is primarily unit linked.

EFU Life has introduced life benefits for the first time in Pakistan and launched products such as

Critical Illness Products
Education Planning Products
Pension Plans
EFU Life’s product range is the most competitive in the market in terms of value for money. The Company continuously reviews its product range to ensure that it remains at the leading edge.

EFU Life was the first life insurance company in Pakistan to be ISO certified. Currently, the Company is ISO 9001:2015 certified and has the “Insurer Financial Strength” rating of AA+, Outlook: Stable by VIS.

EFU Life’s philosophy is pivotal to how we operate and sets us apart from the life insurance industry. We believe that the organization should not be just about profit; it should be about service to humanity. This philosophy is translated down through its comprehensive product range, and the focus on continuous improvements in service quality. The products we offer are designed to meet the varying needs of EFU Life’s clients and offer the best in financial services.