Jubilee Life Insurance Co. Ltd. · PSX:JLICL
Jubilee Life Insurance — Investor Presentation (December 2025)
26 slides from Jubilee Life Insurance's investor presentation, December 2025
Slide 1: Corporate Briefing Session
Corporate Briefing Session Corporate Briefing Session – December 2025 Integrity Passion Excellence Teamwork 1
Slide 2: Agenda
Agenda Company Overview Recent Awards & Recognitions Regulatory Developments Industry Performance Financial Performance Outlook Integrity Passion Excellence Teamwork 2
Slide 3: 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 4: Credit Rating
Credit Rating Integrity Passion Excellence Teamwork 4
Slide 5: 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 5
Slide 6: Biggest Panel Network: 600+ Hospitals
Biggest Panel Network LARGEST HEALTH INSURANCE PROVIDER with the widest panel network of more than 600+ HOSPITALS Integrity Passion Excellence Teamwork 6
Slide 7: Key Partners
Key Partners Integrity Passion Excellence Teamwork 7
Slide 8: Our Banca Partners
Our Banca Partners Integrity Passion Excellence Teamwork 8
Slide 9: Key Collaborations - 2025
Key Collaborations - 2025 JLI demonstrated JLI collaborated its leadership with Engage in digital Consulting to innovation by execute an serving as the organization wide title sponsor Employee of Insurer Engagement Tech 2025, Survey as a themed strategic step “Pakistan towards Insurertech alignment
Slide 10: Key Collaborations - 2025
Key Collaborations - 2025 Selected from the top universities including IBA, FAST, IOBM, SZABIST and Habib University the Campus Ambassadors serves as a bridge between Jubilee Life and the JLI partnered with ILMA University; university students. through this collaboration we JLI continued its support
Slide 11: Awards & Accolades
Awards & Accolades Integrity Passion Excellence Teamwork 11
Slide 12: 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 13: 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 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 Analysis
Industry Analysis Integrity Passion Excellence Teamwork 15
Slide 16: Pakistan Insurance Sector
Pakistan Insurance Sector Industry Overview Contribution to National Economy GROSS Stamp Duty TOTAL ASSETS CLAIMS PAID Other PREMIUM Contribution 6% 4% FED 2024 2024 2024 17% Rs. 3,554 Rs. 677 Rs. 599 Billion Billion Billion 2023 2023 2023 Rs. 2,900 Rs. 631 Rs. 373 Total Billion Billion Billion Cont
Slide 17: Financial Performance
(= Jubilee LIFE INSURANCE 300,000 ~ 200,000 Financial Performance
Slide 18: Financial Snapshot
Financial Snapshot Amount in PKR Million CY25 CY24 YoY Net Premium /Contribution Revenue 56,655 46,563 22% Investment Income 24,472 35,279 -31% Net realized FV gains on financial assets 2,755 5,431 -49% Net FV gains on financial assets at FVTPL 12,640 12,890 -2% Net Income 96,955 100,843 -4% Insuran
Slide 19: Premium – Segment Wise
Premium – Segment Wise GFT & GFT & A&HFT A&HFT 7% Conventional 6% Conventional Business Business 9% Conventional 9% Business Conventional Individual 10% Individual Business 10% Life Unit Life Unit Individual Linked Linked Life Unit Individual 40% 39% Life Unit Linked Individual Individual CY25 36% F
Slide 20: Performance of Retail New Business
Performance of Retail New Business Retail New Business Comparison CY25 CY24 8,000 7,000 6,739 6,000 5,022 5,000 PKR Millions 4,000 3,548 3,191 3,000 2,491 2,531 2,000 1,000 0 Conventional Takaful Total Integrity Passion Excellence Teamwork 20
Slide 21: Performance of Corporate Business
Performance of Corporate Business Corporate Business Comparison CY25 CY24 24,000 21,367 21,000 17,754 17,567 18,000 15,015 PKR Millions 15,000 12,000 9,000 6,000 3,613 2,552 3,000 0 Conventional Takaful Total Integrity Passion Excellence Teamwork 21
Slide 22: Investment Income
Investment Income CY25 CY24 Since Unit Linked Funds CY25 5 years* 40000 Inception* 35,279 35000 Balanced Fund 21.61% 13.64% 11.72% 30000 Aggressive Fund 23.20% 12.53% 13.44% 25000 24,472 Meesaq Balanced Fund 9.31% 10.62% 8.03% PKR Millions 20000 18,321 Government Securities Fund 12.68% 13.84% 10.84%
Slide 23: Surplus Distribution
Surplus Distribution Surplus Generated vs. Surplus Transferred – PKR Million 6,170 4,741 3,355 2,370 2,371 1,711 2,815 40% CY25 CY24 Retained Transferred to P&L Integrity Passion Excellence Teamwork 23
Slide 24: Outlook
Outlook Integrity Passion Excellence Teamwork 24
Slide 25: Outlook
Outlook Sales Force Digital Capability Transformation Building Data & Customer Analytics- centric Driven Solutions Strategies Economic Strategic Volatility & Partnerships Regulatory & changes – Ecosystem Key risk Expansion Integrity Passion Excellence Teamwork 25
Slide 26: Q/A Session.
Q/A Session. Integrity Passion Excellence Teamwork 26
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