Jubilee Life Insurance Co. Ltd. · PSX:JLICL
Jubilee Life Insurance — Investor Presentation (December 2025)
25 slides from Jubilee Life Insurance's investor presentation, December 2025
Slide 1: Corporate Briefing Session – December 2025
Corporate Briefing Session – December 2025 Integrity Passion Excellence Teamwork 1
Slide 2: Agenda
Agenda Company Overview Recent Awards Regulatory Developments Industry Performance Financial Performance Outlook Integrity Passion Excellence Teamwork 2
Slide 3: Company Overview
Company Overview
Slide 4: About Us
About Us Leading life insurance company in the private life insurance sector of Pakistan. Jubilee Life is the subsidiary of Aga Khan Fund for Economic Development. Incorporated in Pakistan on 29th June 1995 as a Public Limited Company. Jubilee Life is engaged in both Individual Life and Corporate In
Slide 5: Credit Rating
Credit Rating Jubilee Life has been assigned Insurer Financial Strength (IFS) rating of “AA++” (Double A Plus Plus) with ‘Stable’ outlook by JCR-VIS and PACRA Credit Rating Agencies. Jubilee Life enjoys a sizeable market share in the life insurance sector of Pakistan. Integrity Passion Excellence Te
Slide 6: Our Products and Plans
Our Products and Plans Marriage Saving & Retirement Child Education Plans Plans Protection Plans Plans Plans Rural Family Takaful Wealth Accumulation for Women Plans Plans Integrity Passion Excellence Teamwork 6
Slide 7: 600+ Hospitals – Biggest Panel Network
Biggest Panel Network LARGEST HEALTH INSURANCE PROVIDER with the widest panel network of more than 600+ HOSPITALS Integrity Passion Excellence Teamwork 7
Slide 8: Our Banca Partners
Our Banca Partners Integrity Passion Excellence Teamwork 8
Slide 9: Awards & Accolades - 2025
Awards & Accolades - 2025 JLI secured 2nd JLI received the Gold Position at the Best Award in Corporate Awards, The Life Insurance jointly organized by category at SAFA ICAP & ICMAP for Best Presented the second Annual Report consecutive year. Awards. JLI also secured Gold JLI won a major Award in t
Slide 10: Awards & Accolades - 2025
Awards & Accolades - 2025 JLI won 6 GDEIB Awards reflecting our JLI has been recognized at the dedication into business strategy and Employer of Choice Gender Diversity driving meaningful impact. Awards 2025 IFC and PBC. Honored with the ‘Innovative L&D Program’ award at the HR Pinnacle Awards, held
Slide 11: Key Collaborations - 2025
Key Collaborations - 2025 JLI collaborated with Engage JLI join hands Consulting to with Mobilink execute an Bank to bring organization wide accessible, Employee customer- Engagement focused life Survey as a insurance to strategic step millions across towards Pakistan. alignment and long-term commit
Slide 12: Key Collaborations - 2025
Key Collaborations - 2025 JLI partners with Neem to digitize and streamline payments across insurance value chains to empower agents and enable real- time financial visibility. JLI partnered with ILMA University; through this collaboration we empower our employees to pursue higher qualification with
Slide 13: Jubilee Active App
Jubilee Active App Jubilee Active has been gaining strong traction among customers by providing tailored solutions and engaging experiences that match their lifestyle Jubilee Active Offers: ✓ An Active Program with steps/calories tracking which allows you to create challenges with friends and join n
Slide 14: Taxation and Regulatory Matters
Taxation and Regulatory Matters The Company is progressing with its Dry-Run submissions in line with the IFRS-17 Phase-4 implementation guidelines and timelines prescribed by SECP. Income tax credits remain unrestored despite persistent industry follow-up after being withdrawn on life and health ins
Slide 15: Industry Performance
Industry Performance
Slide 16: Pakistan Insurance Sector
Pakistan Insurance Sector Industry Overview Contribution to National Economy GROSS Stamp Duty TOTAL ASSETS CLAIMS PAID PREMIUM 6% Other FED 2024 2024 2024 18% Contribution Rs. 3,024 Rs. 492 Rs. 355 5% Billion Billion Billion 2023 2023 2023 Rs. 2,900 Rs. 404 Rs. 324 Billion Billion Billion Total Cont
Slide 17: Financial Performance
Financial Performance
Slide 18: Financial Snapshot
Financial Snapshot Amount in PKR Million 9MCY25 9MCY24 YoY Net Premium /Contribution Revenue 43,261 33,523 29% Investment Income 18,651 27,615 -32% Net realized FV gains / (losses) on financial assets 1,596 996 60% Net FV gains/ (losses) on financial assets at FVTPL 11,795 7,548 560% Net Income 73,6
Slide 19: Premium – Segment Wise
Premium – Segment Wise GFT & GFT & A&HFT A&HFT 8% Conventional 6% Conventional Business Business 10% 10% Individual Life Unit Individual Linked Life Unit 36% Linked 38% Individual Individual Family 9MCY25 Family 9MCY24 Takaful Takaful 21% 20% Accident Accident & Health & Health Business Business 25%
Slide 20: Performance of Retail New Business
Performance of Retail New Business PKR Million Integrity Passion Excellence Teamwork 20
Slide 21: Performance of Corporate Business
Performance of Corporate Business Corporate Business Comparison Sep-2025 Sep-2024 22,000 19,366 20,000 18,000 15,965 15,358 16,000 14,000 13,168 PKR Million 12,000 10,000 8,000 82% 6,000 86% 3,401 4,000 2,190 2,000 18% 14% - Corporate Conventional Corporate Takaful Total Integrity Passion Excellence
Slide 22: Investment Income
Investment Income Since 9MCY25 9MCY24 Unit Linked Funds 9MCY25 5 years* Inception* 27,615 Balanced Fund 17.22% 13.26% 11.69% Aggressive Fund 19.91% 12.55% 13.47% PKR Million 18,651 Meesaq Balanced Fund 7.24% 10.63% 8.03% 13,391 Government Securities Fund* 12.76% 13.59% 10.82% 8,544 Balanced Takaful
Slide 23: Surplus Distribution
Surplus Distribution Surplus Generated vs. Surplus Transferred – PKR Million 4,251 3,295 2,540 60% 1,120 34% 2,175 1,711 66% 40% Sep-25 9MCY25 Sep-24 9MCY24 Retained Transferred to P&L Integrity Passion Excellence Teamwork 23
Slide 24: Outlook
Outlook High Digital Product Constraints Performance Transformation Diversification Sales Force Economic Volatility Regulatory Changes Leverage Introduce Technology and innovative and Recruiting top Data Analytics to indigenous life talent, training, enhance customer insurance products empowering sa
Slide 25: Thank You. Q/A Session.
Thank You. Q/A Session.
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