Tpl Life Insurance Limited · PSX:TPLL
Tpl Life Insurance — Corporate Update (December 2025)
20 slides from Tpl Life Insurance's corporate update, December 2025
Slide 1: Corporate Briefing Session
` Corporate Briefing Session 1
Slide 2: Table of Contents
TABLE OF CONTENTS ` 1. About Us 2. Executive Business Summary 3. Performance Overview 4. Innovation & IT Engagements 5. Financial Review 2
Slide 3: About Us
` 01 |About Us| 3
Slide 4: About Us: Company Overview
ABOUT US COMPANY OVERVIEW ` Pakistan’s 1st Life & Health InsurTech, Established in August 2016 & Takaful Operations commenced in 2018. Life & Health InsurTech offering payment enabled insurance App Key Partnerships with integrated Life & Health Tech Eco-systems & Usage Based Platforms Innovative usa
Slide 5: Our Growth Story 2017 to 2025
OUR GROWTH STORY 2017 to 2025 ` 2022: Introduced Products for Call Center Source: Company Information 5
Slide 6: Executive Summary
` 02 |Executive Summary| 6
Slide 7: Executive Summary: Year End CY 2025
EXECUTIVE SUMMARY YEAR END | CY 2025 ` 3.5 Mn+ Total lives covered in CY 2025 77% 163% 2.4 Mn+ Total 46% 2025 Company Ach PKR Corporate’s Budget lives covered in 2024 CY 2024 506 million vs Achievement Budget PKR 58 million PKR 659 Million vs Budget PKR 36 million Channel Contribution to Topline LOB
Slide 8: Strategic Pivot: Evolving from B2B Roots to Retail-Led Growth
STRATEGIC PIVOT EVOLVING FROM B2B ROOTS TO RETAIL-LED GROWTH ` Year Corporate Corp (%) Retail Retail (%) Total Business 500 Millions Embedded Schemes with 450 427 447 2021 427,100 Partners67% 213,147 33% 640,247 400 350 336 300 2022 160,250 48% 177,109 52% 337,359 272 250 213 200 177 160 165 2023 16
Slide 9: Redefining Our Business Mix
REDEFINING OUR BUSINESS MIX EXECUTION STRATEGY – BUILDING THE RETAIL ENGINE ` • Microfinance Institutions (MFI): Pioneered an untapped, low-competition segment using a Blue Ocean strategy — large addressable market, minimal competitive friction • ULIP Bancassurance: Launched and scaled an innovative
Slide 10: Verticals: External Partnership Landscape
VERTICALS EXTERNAL PARTNERSHIP LANDSCAPE ` Embedded Schemes with Partners Source: Company Information 10
Slide 11: Verticals: Internal Partnership Landscape
VERTICALS INTERNAL PARTNERSHIP LANDSCAPE ` Embedded Schemes with Partners Source: Company Information 11
Slide 12: Performance Review
` 03 |Performance Review| 12
Slide 13: Business Summary CY 2025: Actual vs Budgeted
BUSINESS SUMMARY CY 2025 ACTUAL VS BUDGETED ` Summary Splits | Life vs Health Line of Business Budget Business Ach (%) 39% 61% Digital 104,311 42,378 41% Life Health Health FIG & Agency 255,749 266,731 104% Splits | Retail vs Corporate Total 360,060 309,109 86% 88% 12% Corporate 36,000 58,603 163% R
Slide 14: Comparison CY 2025 vs 2024
COMPARISON CY 2025 vs 2024 ` 506 392 197 185 309 207 COMPANY | 1.29x LIFE | 1.06x HEALTH | 1.49x 59 56 447 336 61 107 387 229 CORPORATE | 1.04x RETAIL | 1.33x DIGITAL | 0.57x FIG & Agency | 1.69x 14 CY 25 CY 24 Numbers are in PKR millions
Slide 15: Innovations & IT Engagements
` 04 |Innovations & IT Engagements| 15
Slide 16: Digitization & Automation Initiatives CY 2026
DIGITIZATION & AUTOMATION INITIATIVES CY 2026 ` Nature Tasks Identified Process Owners Timeline (Months) Digitalization Sales CRM from Leads to Deals Sales flow (Sales funnel) Strategy / IT 1 Collaborating with Boston AI to deliver a digital transformation solution for the AI Automation Strategy / I
Slide 17: Financial Review
` 05 |Financial Review| 17
Slide 18: P&L 2025 vs 2024
P&L 2025 vs 2024 ` Actual Actual Variance 2025 2024 % • Premium achieved at Rs.506m vs Rs.392m of last year. FIG and Rupees in '000' Corporate business overachieved by Rs. 157m and Rs. 2.4m Premium revenue 505,850 391,829 29% respectively. However, shortfall in business was recorded under Premium ce
Slide 19: P&L YoY Comparison
P&L YoY COMPARISON Profit and Loss Account 2025 2024 2023 2022 2021 2020 Rupees in million Gross Premium 505.85 391.83 436.42 337.34 640.25 1,130.16 Net premium revenue 419.80 294.94 308.59 190.75 540.42 951.84 Total Investment and other income 49.12 73.22 70.67 24.60 64.25 48.25 Net income 468.92 3
Slide 20: Thank You
` THANK YOU 20
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