Dear Friends The year 2012 marked the completion of 20 years of our Company. We started our operations in November 1992 as the first private sector life insurance company of the country and today we are the leader in the sector. Over the years, our commitment has been to our partners, our clients and our shareholders, as we continuously strive to deliver beyond your expectations, setting higher standards year after year, managing all your financial planning needs. I am pleased to inform you that the paid up capital of your Company has been increased to Rs. 1 Billion, making EFU Life the highest capitalized life insurance company in the private life insurance sector. Additionally, the asset base of Rs. 40 Billion too remained the highest in the industry. One of the key benefits offered to our clients is our fund management expertise, managing funds in excess of Rs. 37 Billion, making the Company the largest fund manager in the private life insurance sector. Taher G. Sachak Message From Taher G. Sachak Message From EFU Life's IFS Rating has been upgraded to AA by JCR-VIS Credit Rating Company, and this is a testament to our financial strength, and operational efficiencies and processes, with a very high capacity to meet policyholder's expectations. The Company is also ISO 9001-2008 certified. In line with the vision of providing insurance solutions to cater to the financial planning needs of all major socio-economic classes in the country, the Company has made significant investment in developing its distribution footprint, comprising of Individual Life Sales Force, Individual Life Bancassurance and Group Benefits. All these factors have placed EFU life at the forefront of the life insurance industry in Pakistan and, of course, this would not have been possible without your support. In conclusion, please accept my heartfelt thanks for your continued trust in EFU life. Yours sincerely, Managing Director
Transcript
Dear Friends
The year 2012 marked the completion of 20 yearsof our Company. We started our operations inNovember 1992 as the first private sector lifeinsurance company of the country and today weare the leader in the sector.
Over the years, our commitment has been toour partners, our clients and our shareholders,as we continuously strive to deliver beyond yourexpectations, setting higher standards year afteryear, managing all your financial planning needs.
I am pleased to inform you that the paid up capitalof your Company has been increased to Rs. 1Billion, making EFU Life the highest capitalizedlife insurance company in the private life insurancesector. Additionally, the asset base of Rs. 40 Billiontoo remained the highest in the industry.
One of the key benefits offered to our clients isour fund management expertise, managingfunds in excess of Rs. 37 Billion, making theCompany the largest fund manager in the privatelife insurance sector.
Taher G. SachakMessage From
Taher G. SachakMessage From
EFU Life's IFS Rating has been upgraded to AAby JCR-VIS Credit Rating Company, and this is atestament to our financial strength, and operationalefficiencies and processes, with a very high capacityto meet policyholder's expectations. The Companyis also ISO 9001-2008 certified.
In line with the vision of providing insurancesolutions to cater to the financial planning needsof all major socio-economic classes in the country,the Company has made significant investmentin developing its distribution footprint, comprisingof Individual Life Sales Force, Individual LifeBancassurance and Group Benefits.
All these factors have placed EFU life at the forefrontof the life insurance industry in Pakistan and, ofcourse, this would not have been possible withoutyour support. In conclusion, please accept myheartfelt thanks for your continued trust in EFU life.
Yours sincerely,
Managing Director
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Mr. Zain Ibrahim, Chief Operations Officerand Deputy Executive Director, EFU LifeAssurance Ltd, receiving the prestigious‘Consumers Choice Award 2012’ forthe 5th consecutive year by ConsumersAssociation of Pakistan.
Point of sale (POS) systems are becoming anecessary and invaluable part of mostbusinesses, helping to streamline the customerexperience by making it hassle free andconvenient.
To further enhance the customer experience,EFU Life has now introduced POS technologyat two more partner banks, SCB & MCB.With the support of the Banks, we aim tolaunch the POS technology at all our partnerbank outlets to facilitate the buying processof our customers.
First POSlaunched at JS Bank
6th CSR NationalExcellence Award 2011EFU Life was conferred the prestigious 6thCorporate Social Responsibility “NationalExcellence Award 2011” organized by HelpInternational Welfare Trust and CSRAssociation of Pakistan.
Chairman, Hilton Pharmaceuticals & Mr.Nisar Khoro, Speaker of the Sindh Assemblypresented this Award to Ms. EvelynAbrogena, Chief Manager, HumanResources - EFU Life.
EFU Life honouredwith the ‘ConsumersChoice Award 2012’ forthe ‘Best InsuranceCompany of Pakistan’.
fatigue, thus reducing the discomfort of arespiratory infection.
5. FALSEThe health advisory states that over-the-counter cold and cough remedies can causedangerous side effects in children under two.Always ask your doctor before giving anymedicine to children.
6. FALSEAccording to a comprehensivereview of data from severaldecades, which included morethan 11,000 people, the resultsshowed that daily doses of atleast 200 milligrams ofvitamin C had virtually noimpact on either prevalence orduration of colds than in people who didn'ttake vitamin C. However, the researchers didfind that marathon runners were 50% lesslikely to catch a cold if they took a daily doseof vitamin C. So there is no harm in takingsome any way!!
7. FALSEPeople are most contagiousfor the first 2 to 3 daysof a cold and usuallynot contagious byday 7 to 10.
1. TRUEResearchers say that whencolds are circulating in thecommunity, many peopleare mildly infected butshow no symptoms. Ifthey become chilled, thiscauses a narrowing of theblood vessels in the nose and shuts off thewarm blood that supplies the white cells thatfight infection. The reduced defenses in thenose allow the virus to get stronger and commoncold symptoms develop. So keep warm.
2. FALSEA British study found that people who tookamoxicillin, the most commonly prescribedantibiotic to treat sinus infections, didn't
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recover any faster than those who didn'ttake any medicine.
3. FALSEGreen mucus does not always mean a sinusinfection. However, it may signal a sinusinfection if the mucus becomes thicker,increases in quantity, or is accompanied bya fever or pain. In this case call your physician.
4. TRUEChicken soup really does help. Inaddition to providing nutrition, fluidsand mucus-dissolving warmth,chicken soup actually reducesthe inflammatory compounds,called “cytokines” that risewith a cold and flu, andtrigger body aches, fever and
Take this quiz and find out!
1. Being cold will bring on a cold. True False
2. If you have a sinus infection you need antibiotics. True False
3. Green mucus means a sinus infection. True False
4. Chicken soup is good for cold and flu. True False
5. Over-the-counter remedies are helpful for children. True False
6. Vitamin C will prevent a cold. True False
7. A cold is most contagious before symptoms appear. True False
Mr. Taher G Sachak, MD & CEO, EFU Life AssuranceLtd., receiving the prestigious ‘Putting the ConsumerFirst’ Award 2012 for Corporate Social Responsibilityfor the 5th consecutive year at the 7th NationalAward ceremony organized by Helpline Trust.
EFU Life honoured with the“Putting the Consumer First”Award 2012 for CorporateSocial Responsibility
Think you knowthe FACTS aboutCOLD & FLU?
What Is a Sinus Infection?A sinus infection is inflammation orswelling of your sinuses. Normally, yoursinuses are filled with air. When thesinuses become blocked and filled withfluid, bacteria can grow there and causeinfection. This infection is sinusitis.
Sinus InfectionSome Symptoms
• Thick, yellow, foul-smelling nasaldischarge • Pressure or pain around theface and eyes • Headache (generally inthe forehead area) • Nasal obstruction• Congestion • Post-nasal drip • A coldthat won't go away • Fever or coughthat may or may not be present.
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As a man was passing theelephants, he suddenlystopped, confused bythe fact that thesehuge creatures were beingheld by only a small rope tiedto their front leg. No chains,no cages. It was obvious thatthe elephantscould, ata n y t i m e ,break awayfrom theirbonds butfor somereason, theydid not.
He saw atrainer nearby and asked why these animalsjust stood there and made no attempt toget away. “Well,” trainer said, “when theyare very young and much smaller we usethe same size rope to tie them and, at that
Please ensure that we have yourcurrent contact number and address.Please help us reach you by notifyingus of your current mobile number,full address and email address so thatwe can continue to provide you thebest services. Email: [email protected]
Dear Readers
"As you get older three things happen.The first is your memory goes, and I can'tremember the other two..."
Sir N. Wisdom
QuotesQuotes"A true friend is one who overlooks yourfailures and tolerates your success!"
Doug Larson
"Always and never are two words youshould always remember never to use."
Wendell Johnson
"A harmful truth is always better than auseful lie!"
Eric Bolton
age, it’s enough to holdthem. As they grow up,
they are conditioned to believethey cannot break away. They
believe the rope can still hold them,so they never try to break free.”
The man was amazed. Theseanimals could at any time breakfree from their bonds but because
they believed they couldn’t,they were stuck right where
they were.
L i k e t h eelephants,how manyof us gothrough lifeh a n g i n gonto a belieft h a t w ecannot do
something, simply because we failed at itonce before?
Failure is part of learning; we shouldnever give up the struggle in life.
"One of the most difficult things in theworld is to convince a woman that evena bargain costs money."
Edgar Watson Howe
"When I was a kid I used to pray everynight for a new bike. Then I realized thatThe Lord doesn't work that way, so I stoleone and asked him to forgive me."
Erno Philips
"Always get married early in the morning.That way, if it doesn't work out, youhaven't wasted a whole day."
Mickey Rooney
"Women now have choices. They can bemarried, not married, have a job, not havea job, be married with children, unmarriedwith children. Men have the same choicewe've always had: work or prison."
Tim Allen
"I've been in love with the same womanfor forty-one years. If my wife finds out,she'll kill me."
Henry Youngman
If you believe,you can - you can!
If you have any comments or suggestions, please write or e-mail us. EFU Life Assurance Ltd, 37-K, Block-6PECHS, Karachi-75400. UAN: 111- EFU-111 (111-338-111). Client Services: 111-EFU-CSD (111-338-273)Fax: 3453-7519. Email: [email protected] & [email protected] Website: www.efulife.comISO 9001: 2008 Certified l Rated AA- by JCR-VIS (Outlook: Stable)
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