Adamjee Life is backed by Nishat Group, one of Pakistan and South East Asia’s leading business groups with current assets over PKR 500 billion. The insurance company is led by a team of highly trained and robust relationship managers and financial advisors and offers some of the strongest policies, financial backing and claims processes in the country. The goal of Adamjee Life is to provide everyday people with easy and comprehensive solutions and to demystify the insurance scene in Pakistan.

Best Insurance Plans Guaranteed

Great endowment - life insurance

High-Premium Allocation From Beginning

Majority of your premium is allocated to your investment and protection funds from the beginning.

Whole Life Insurance

One-Stop Solutions

Policies designed to provide wide coverage for all your needs.

Fast Claims

Customization-Friendly Plans

Customize your insurance plan depending on your needs, income value and coverage. 

Online Portal

High Maximum Age

Policies with age bracket of up to 75 years. Highest in the industry.

Withdrawal Plans

Low-Risk Profiles

Guaranteed and steady growth with low-risk investment funds.

Additional Riders

Unit Allocation

Easy unit allocation for the accumulation of your net worth.

Individual Life Plans

whole life plans

Low Premiums

Low premiums and high coverage plan to provide you more for less.

Ad-hoc Boosters

Double your returns by investing more in your policy anytime. 

Multiple Cover Options

A wide variety of cover options for every age, gender, income bracket, and situation.

Group Insurance Options

Fastest Turnaround Times

Get insured at light-speed with a fast turnaround process. 

Full Coverage 

Coverage for group members includes health insurance, death and accident riders, investment profiles and much more. 

Withdraw When You Want

Once your policy starts maturing withdraw and collect your funds whenever you want. 

Child Insurance by Get Insurance Pakistan

Takaful Plans

Takaful Insurance Plans

Complete Family Package

Comprehensive coverage for all families catering to a wide set of needs. 

Investment Options

Choose the funds you want to invest in, diversify your portfolio and minimize risk. 

Bonus Allocation

Get multiple cash bonuses as your policy starts maturing and finishes its term. 

How Do Adamjee’s Policies Work?

Most Adamjee Life Policies use unit-link methods to calculate and divide your returns. This means your premium is allocated to an investment fund. Every time you pay a premium, the company buys ‘units’ in an investment fund of your choice and these units keep on accumulating until your policy matures.


The company collects all your data (including assets, health score, income bracket, loans, medical history, etc) and assigns you protection multiple to take out the minimum yearly premium you need to pay to get your sum assured.


Once you start paying the premiums the company deducts commission, administration, and unit allocation charges and invests the rest of your money into the investment fund by buying units.


With each passing year, your cash value (the networth of your investments) accumulates and your policy becomes even more profitable.


Your policy reaches a certain number of years. Now your policy is maturing, and accumulating additional bonuses based on the age of the policy. The older it grows, the more profitable it becomes.


For policies that come with surrender value, you can choose to withdraw your sum assured after x number of years (generally 2-3+ years). In case your cash value has exceeded your sum assured, you can sell all the units you brought over the years through the policy and claim your cash value.


Congratulations! Your policy has now matured. Once you’ve successfully reached the end of your policy you’re ready to reap the benefits. You can now claim a string of completion bonuses and the sum assured you were guaranteed or the cash value you’ve accumulated.

Available Benefits with these policies

  • Waiver of premium: this means if you suffer a disability during the tenure of your policy and have lost your source of income, the company will pay your premiums until the policy matures or until you reach a certain age. 
  • Death Benefit: If you die in the middle of your policy, or in certain cases after it ends, your beneficiaries will receive a certain sum assured. 
  • Inflation Safety: Your premium and sum assured amounts are increased every year to combat inflation. 
  • Withdrawals: You can also withdraw money from your funds. Usually, the companies set a limit of the amount and the times you can withdraw the amount. These withdrawals also reduce your cash value back.
  • Surrender Value: You can quit investing in your premium/policies after having paid your premiums for 3 or 3+ years (can vary from company to company), get an evaluation of your cash value worth and then get the money if you don’t feel like proceeding, need the money urgently or do not have enough money to pay your premiums anymore.