EFU Life
EFU Life
It is always believed that our life is a journey with many different stages and phases and each stage brings with it new challenges that we need to face. As you take each step in life forward your role and responsibilities change and things evolve.
EFU Life’s philosophy is essential as it defines the way it operates and set itself apart from the entire life insurance industry. EFU believes that the organization should not be just about profit; it should be about service to a human being the first goal. This philosophy is interpreted down through its comprehensive product range, and its focus on continuous developments in service quality. The products EFU offers are designed to meet the varying needs of the customers and offer the best in financial services.
In 1990, the Government of Pakistan revived the life insurance business to the private sector organizations and EFU Life Assurance Ltd started operations in November 1992 as the first private segment life insurance company. In early 1993, EFU Life commenced its Group life insurance business and by March 1994, the company began writing its life business.
Efu is considered as the Pioneer and industry leader in the Life Insurance Sector,
EFU Life’s major signs of progress during the years are
- EFU has the strongest financial base in the private sector companies
- It has paid up the highest capital of Rs. 1 Billion
- It is one of the leading Asset Managers in Pakistan
- EFU has diversified Portfolio offering Best Value Products
- EFU has Launched the First Window Family Takaful Operations under the brand name ‘Hemayah’
- It has launched the First Mobile app with the name EFU Life PlanIT
- The largest sales executive in the private life insurance sector
- EFU has introduced the MPOS System to facilitate online payments.
- The company offers state of the art customer service to its valued customers
- EFU ensures the prompt settlement of the claim
- It is the first life insurance company in Pakistan to be ISO certified. Currently, the Company is ISO 9001:2015 certified
- EFU has “Insurer Financial Strength” rating of AA+, Outlook: Stable, by JCR-VIS, an affiliate of Japan Credit Rating agency
Our Customers Love Us
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear r… +
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear response, even if the response is to confirm that the specific request is not part of services, etc. -
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues wi… +
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues with individual policies. Thanks to SmartChoice for giving us the platform. Last but not least, Mr. Ajay Kumar is a very good person. He knows everything about the insurance offering and always offers the best-suited policy. If I say he is working on the SmartChoice.PK's mission is to offer the best policies tailored to your needs, so I won't be wrong. Thank you, Ajay, and SmartChoice.pk -
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled … +
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled my claim during a hospital emergency without any stress. Responsive, honest, and truly client-first. Highly recommend. Sobia shams., Karachi -
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very… +
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very professional, polite, and helpful throughout. She responded quickly and guided me properly regarding my issue. Overall, I am satisfied with the service and would recommend Smartchoice.pk to others for travel insurance.” -
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank yo… +
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank you -
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in ti… +
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in time in a critical time where there was an urgent need situation, also selecting best plan in best cost. Was available to support 24/7. Allah bless for such amazing service. -
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this … +
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this car insurance. -
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear r… +
Strengths - Good communication, follow-up, and resolution. Weakness - Unable to provide clear responses on specific query which may not be part of the offering (Term Life insurance). Should provide a clear response, even if the response is to confirm that the specific request is not part of services, etc. -
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues wi… +
I am very much satisfied with the service SmartChoice.pk is offering to its customers. I must count SmartChoice's work as generosity because I only considered corporate insurance before due to service issues with individual policies. Thanks to SmartChoice for giving us the platform. Last but not least, Mr. Ajay Kumar is a very good person. He knows everything about the insurance offering and always offers the best-suited policy. If I say he is working on the SmartChoice.PK's mission is to offer the best policies tailored to your needs, so I won't be wrong. Thank you, Ajay, and SmartChoice.pk -
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled … +
Review for Ajay – Health Advisor, Senior Executive* ★★★★★ 5/5 Ajay is the best health advisor I’ve worked with. He explained everything clearly, helped me pick the right plan for my family, and handled my claim during a hospital emergency without any stress. Responsive, honest, and truly client-first. Highly recommend. Sobia shams., Karachi -
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very… +
Excellent service and quick support “I had a very good experience with Smartchoice.pk travel insurance. The process was smooth and easy. I especially want to appreciate Aafia from customer service—she was very professional, polite, and helpful throughout. She responded quickly and guided me properly regarding my issue. Overall, I am satisfied with the service and would recommend Smartchoice.pk to others for travel insurance.” -
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank yo… +
It was very good experience, plus travel department and their reps provided quick enabled smooth processing of my application. Indeed its good initiative, where we can see comparative with few clicks. Thank you -
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in ti… +
Smart choice is my fast choice when comes to select health insurance. Great and very cooperative staff, I have been renewing health insurance every year for my family. Ajay helped through getting approval in time in a critical time where there was an urgent need situation, also selecting best plan in best cost. Was available to support 24/7. Allah bless for such amazing service. -
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this … +
Insurance claim process is too smooth. Ms. Natasha Khan's support is exceptional. The process from start till claim for car insurance is handled professionally by her. I will 100 percent recommend to have this car insurance. -
I live in USA. I don't know much about vehicle insurance and so. Somehow I found Aisha bukhari. She was honest and very helpful to get the best insurance for my new bike. Also I am going to get car insurance so… +
I live in USA. I don't know much about vehicle insurance and so. Somehow I found Aisha bukhari. She was honest and very helpful to get the best insurance for my new bike. Also I am going to get car insurance soon by her. Just wanted to say special Thx to Aisha. ⭐⭐⭐⭐⭐ -
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart c… +
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart choice -
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart c… +
Very satisfied with smart choice because their behavior and communication with customers is very good and i think there’s ayesha she is very very cooperative and i will suggest my friends and colleagues smart choice -
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best cove… +
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best coverage at a competitive price. The customer support team Ayesha Bukhari was highly responsive and guided me through every step of the process, ensuring I understood all the details before finalizing my policy. What impressed me most was the transparency and quick turnaround time—everything was processed smoothly without any hidden charges or complications. I highly recommend Smartchoice for anyone looking for reliable and hassle-free car insurance in Pakistan." -
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best cove… +
"I recently purchased car insurance through Smartchoice and had an excellent experience. Their platform is user-friendly and allows easy comparison of multiple insurance providers, helping me find the best coverage at a competitive price. The customer support team Ayesha Bukhari was highly responsive and guided me through every step of the process, ensuring I understood all the details before finalizing my policy. What impressed me most was the transparency and quick turnaround time—everything was processed smoothly without any hidden charges or complications. I highly recommend Smartchoice for anyone looking for reliable and hassle-free car insurance in Pakistan." -
Thank you for your support with my insurance needs. I truly appreciate the clear communication, friendly staff, and the overall positive experience. Everyone I interacted with was professional and kind. I’m gla… +
Thank you for your support with my insurance needs. I truly appreciate the clear communication, friendly staff, and the overall positive experience. Everyone I interacted with was professional and kind. I’m glad I chose to take services from your team. -
I had an excellent experience with SmartChoice.pk. Thank you for providing such an informative and helpful platform. I obtained health insurance information through your website last year, and I recently had th… +
I had an excellent experience with SmartChoice.pk. Thank you for providing such an informative and helpful platform. I obtained health insurance information through your website last year, and I recently had the opportunity to use that insurance plan. The entire process was smooth and hassle-free. A representative from SmartChoice guided me throughout and was consistently available to answer my questions and provide assistance whenever needed. -