EFU is part of the reputed EFU Group which also operates life and health insurance companies. It is the oldest and the second largest private sector insurance company in Pakistan in terms of premium and asset size.
The ratings also take into consideration the strength of the rated reinsurers on EFU's panel and reinsurance terms. The Company continues to grow its capital base and improve liquidity with emphasis on yield based investments.
The company has maintained high premium growth with emphasis on risk management, which has reduced claims ratio and positively effected profitability.