State Life Insurance Policies-An asset

The State Life Insurance Corporation of Pakistan and it's life insurance policies.Are these an asset?

Today we are going to discuss a very important question.The question is"ARE THE LIFE INSURANCE POLICIES ISSUED BY THE STATE LIFE ARE AN ASSET?let us see how your life insurance analyst analyses the situation? 

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Life insurance    بیمه زند گی  zaroori nahi  بلکه bohat zaroori hay

 Today’s question is: 

  بیمه زندگی بهی اورمنا فع  بهی

Special offer of life insurance insurance

ONE CRORE

ا یک کروڑ
એક કરોડ

 And get a lot bigger

Are the policies issued by The State Life Insurance Corporation of Pakistan are an asset? Should the status of these policies be declared by the contestants of the election 2013?

A  great question. In today’s post wee will find out the answer to this question.

There may be different opinions. Some will say yes and others will say no. But I, (your life insurance analyst) am of the view that “Life Insurance Policies(ALL SUCH POLICIES WHO HAVE CASH SURRENDER VALUE) issued by The State Life” are an asset and should be treated as such. These policies need to be declared by the contestants of election 2013 along will other assets. What is the logic behind it? In this post well discuss the same.

Frequently Asked Questions.
Q. An Endowment Life insurance Policy. Why do you think it is an asset?

A. I will like to answer this question with an illustration.

YOU can not afford
 to say "NO".

Ask us for the quote now.
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statelifeonline@yahoo.com
SKYPE statelifeonline
092-0323-4969112 

Let us suppose that a 35 years old healthy man (Standard Life)10 years ago purchased an endowment plan of 20 years term. The sum assured is PKR5,000,000.00 ( 50 LACS).The premium was PKR245000.00 per annum. During these ten years he paid 10 premiums to continue the policy. Thus to the State Life he paid PKR2,450,000 only.

Now do you see the logic why life insurance policy should be treated as an asset?

  This gentle man after paying only PKR245000.00 (FYP) created an asset of 50 LACS sum assured instantly. Should this gentleman die in the first year the State Life will honor the contract and will pay PKR50 LACS + accrued bonus to the beneficiaries.
 
In 10 years this gentle man has paid PKR2,450,000.00.This is a pure asset. If he takes the original policy bond with him and  now goes to the office of the State Life and says “I want to discontinue my policy.Give my money back to me”. The State life will again honor the contract. With a professional smile the state life will give him a cheque  in 5 working days. And I assure the the State Life will give him more and more money what he paid to The State Life in 10 years. Yes the State life will also pay him the accrued bonuses of 10 years.

But the sad aspect the story is that he will no more enjoy the life insurance cover. He will now be without the umbrella of insurance. He and his all loved ones will be without any security, protection and cover. This will be a loose loose situation for every one concerned.
Q. I am too 35 years old man.I have a term insurance plan of 10 years.For 10 years i paid a single premium of PKR269750.00.Is this life Insurance policy issued by The State Life an asset?My sum assured too is PKR 50 lacs.  
A. No.Not at all.It IS NOT  an asset. 
Q.You say No.It should NOT be treated as an asset.What is the logic behind it? 
  A.You have asked a great question and and i am delighted you asked this question.The reason is that term insurance policy have:
No survival benefit.
No maturity benefit.
No surrender value.
No loan value etc.
 I have made this point very clear HERE...ALL SUCH POLICES WHO HAVE CASH SURRENDER VALUE SHOULD BE TREATED AS AN ASSET.
For more details please visit the official website of THE STATE LIFE.

                  email to >> statelifeonline@yahoo.com Thanks

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State Life Insurance-management and organization

Management and organization of Life Insurance Policies issued by State Life Insurance Corporation of Pakistan.

Rule of thumb.Now when finally the life insurance contract reaches in your hands,apparently it looks if the life insurance adviser's work has finished. This is far away from truth.His work has NOT ended. Infect his real work starts now.

Good news for the policy holders

Today we are discussing another very important topic.How and where to keep your life insurance related documents issued by the largest life Insurance company of Pakistan"THE STATE LIFE"? We are confident that our visitors will appreciate this topic and share it with their friends.Thanks if you do.

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Well! finally your insurance adviser has completed all the difficult process and the contract is now in your hands.You and he has taken a lot of pain in completing the contract.Now the contract is in your hands.It is a very very important document.You or your loved ones may need it any time.So you it must be kept at a safe place and in safe hands.

These papers are though few yet very important and precious.It is an asset for you and for all of your loved ones.This contract issued by State Life Insurance Corporation of Pakistan is usually known as "POLICY BOND".

What you need to know about your life insurance policy?

Please spend few moments right now to study it.Your time spent now will save you from a lot of troubles which you may have to face in future.

• Name of the life insurance company that issued the policy.
• The Address of the company.
• Policy number.
• Date. when the policy was issued.
• Benefits related with the policy.
• The name and address of the person who asked and advised you get the life insurance cover.
• The type of policy (e.g., term, endowment, whole life, etc.)
• The location of the original life insurance policy.
• When next the payment of premium will be due.
• The date the insurance was started.
• When next the premium will be due.

Where should I keep the information?

Keep the ORIGNAL contract at a very safe place and in very safe hands.it is a very important document and your insurance advisor has prepared and planned it very carefully according to your needs and wants.

·        Prepare at least 2 photo copies of it.

·        Keep these 2 photocopies at different places.

·        Keep the original set of contract in your home at a very safe place. Tell all about this contract to a person whom you can trust. .

·        On each photo copy of the contract, record the date on which the information was last updated.

·        You may keep one set of these papers, outside your home. Perhaps you will like to keep it in a safe deposit box. You may keep it with some professional (may be your attorney) or a relative who can be responsible to produce them when they are needed

 

Rule of thumb.

Original policy bond requires a higher level of protection. You or your loved ones may need it any time. Keep your life insurance policies well managed and organized. This will give you a lot of peace of mind and will save your beneficiaries from a lot of possible strain.

You can mail your uestions to  statelifeonline@yahoo.com 

Life insurance    بیمه زند گی  zaroori nahi  بلکه bohat zaroori hay

 

Darood-e-Tanjeena and it's fazleeat

Darood-e-Tanjeena ki Fazeelat.The benefits  of reading

"Darood-e-Tanjeena"
Benefits of   
Darood-e-Tanjeena

Do you know what "Horse Trading" is?

Horse Trading KnowledgeFor Sale.Update your knowledge now.

One of our regular visitor and Muslim brother have asked us to get the "DAROOD_E_TANJEENA" recited 5000 times.Therefore,we request our Muslim visitors to please recite this particular "darood"at least once.Our this message is going world wide.If we all read this once at least then it will be completed 5000 times in a few days.

 You are requested to please recite it and send the "SAWAAB"to every one who is in trouble,distress,problems,ill or injured.This will also benefit you.This is going to benefit to every one who reads it.INSHALLAH.

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email your uestions to  statelifeonline@yahoo.com

   Do you have any idea how to make best use of your "IDLE MONAY IN THE BANK?
Open an account now.Thought provoking article here. 03234969112 Lahore Pakistan

 Life insurance بیمه زند گی zaroori nahi بلکه bohat zaroori hay.

 ایک غمزده گهر کا بهترین سهارا

همارا     STATE LIFE

Please feel comfortable and give me (IKRAM) a call now.
0323-4969112
Lahore-Pakistan 

 میرا دوست-آپکا دوست-هم سب کا دوست 
STATE LIFE

The tested and the trusted friend of many satisfied policy holders of Pakistan.

Few of the many benefits associated with 

"Darood-e-Tanjeena"

Recite it daily and please make it a habit.Here are the few of it's benefits.
 
However,it is confirmed that it gives strength and peace of mind.if it is recited with faith then by the Grace of Lord Of All The Worlds it is the best cure of all ills and all worldly calamities.
Recite it daily and make it a habit.It's benefits are amazing and it works wonders. 
Please recite it daily.By The  Grace Of Allah Almighty it opens door to Divine Favor and sure success. 
Recite it  maximum number of times.It brings purity.  
Recite it in this world and you will be rewarded in the world hereafter. 
Reciting Darood is like giving something in charity.  
 Muslim scholars recommend "Darood-e-Tanjeena" to recite during the days of calamity, turmoil and distress.All the troubles and difficulties will be removed by The Allah Almighty The Lord of All The Worlds..
Inshallah

email your uestions to  statelifeonline@yahoo.com

Durood-e-Tunajjina

O Allah! Shower blessings on Muhammad, our Master, and his Family such blessings by means of which Thou may relieve us of all anxieties and calamities. Thou may satisfy all our needs. Thou may clean us of all evils and thanks for which Thou may grant us high position and high rank and status in Thy presence, and Thou may lead us to the utmost limit of our aspirations and capacity in whatever is best in this world as well as in the world Hereafter, as Thou has the full Power over everything

Imam ibn-Faikihani says that there was once a pious man called Sheikh Moosa Zareer. He embarked on a voyage by ship. Due to a heavy storm, the ship started sinking. All the passengers on board started crying and clamouring, but Sheikh Moosa Zareer went to sleep. He saw Muhammad in his dream and Muhammad directed him and the passengers to recite Durood-e-Tunajjina 1 000 times. Sheikh Moosa Zareer got up and started the recitation. As soon as he finished 300 Durood, the storm subsided and the ship was saved. The other ship on the high seas sank, but this ship reached its destination safely and soundly.^[9]

 What is "darood"?
 
Durood or Darood Shareef : درود‎ : الصلاة على النبي  is an invocation which Muslims make by saying specific phrases to compliment the Islamic prophet Muhammad. The Islamic view is to say durood whenever a Muslim reads, speaks or hears the name of Muhammad. Durood, which is a kind of prayer and is mentioned in hadith as well as in Qur'an, are also recited in the form of Wazifa.
source: http://en.wikipedia.org/wiki/Darood_Shareef

Durood-e-Ibrahimi

One example is Durood-e-Ibrahimi (having a reference to Abraham):

"O Allah, let Your Peace come upon Muhammad and the family of Muhammad, as you have brought peace to Ibrahim and his family. Truly, You are Praiseworthy and Glorious. Allah, bless Muhammad and the family of Muhammad, as you have blessed Ibrahim and his family. Truly, You are Praiseworthy and Glorious".^[6]

Source: http://en.wikipedia.org/wiki/Darood_Shareef
Thanks wikipedia

Get your Life Insurance Policies Reviewed by your Life Insurance Analyst.

YOU can not afford
 to say "NO".

 Ask us for the quote now.

PKR ONE MILLION SUM ASSURED

 e.mail statelifeonline@yahoo.co
        SKYPE statelifeonline  

 092-0323-4969112 

 Lahore,Pakistan   

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Personal Pension Scheme-State Life

State Life Insurance Corporation of Pakistan's creative and innovative offer of insurance.
What is "HORSE TRADING"?
Well dear visitors!.Our life insurance analyst has received a very interesting e.mail from one of our regular visitors.He wants to know how much he  will be paid by State Life if he gets a life insurance policy for 5 years only.

News of the day:

 "Annuntio vobis gaudium magnum. Habemus Papam"

Says  French cardinal Jean-Louis Tauran

 Very simple question but it is very difficult to suggest a suitable life insurance policy that only lasts 5 years( SHORT TERM )and still yields a handsome amount(DOUBLE).
Only State Life has the answer to this great question.A short term policy that doubles your amount what you pay to State life.In this post our analyst will discuss the answer to the same question.
We appreciate if you too admire and share this post with others.
Thanks if you do.
Please keep visiting our blog regularly.We try to update  it daily.However due to few unavoidable circumstances we are unable to do so.And pardon us for this irregularity.
And in the last but not the least Selling life insurance policies is our life insurance analyst's business.He must pay a lot of attention  to his business as well.He too regrets all the delays caused by his appointments.

Dear Visitor! If you find this post interesting and information based  then please do remember us in your prayers.

This is all what we need from  you.

Jazak Allah

Web administrator 

Life insurance    بیمه زند گی  zaroori nahi  بلکه bohat zaroori hay

This was a great question.let us find out the answer to this question.I recap the question.

"Is there any policy which doubles what i pay to State Life in 
5 years."
The answer to this question lies in an innovative policy of State Life.This policy is popular with the name

"PERSONAL PENSION SCHEME"
Single Premium
Frequently asked questions  related with 
PERSONAL PENSION SCHEME. 

Q. Who can participate in this plan?Is there any age restriction? 

A.  All pakistani males and females can participate.

       Minimum age limit>>>>>> is 18 years. 

       Maximum age limit>>>>>>There is NO maximum age limit.A 80+years old Pakistani  can take this policy.State Life will be pleased to say YES to his proposal.

Q.I am NOT a standard life.Will the under writer ask me to submit

 "GOOD HEALTH CERTIFICATE"?

A.State Life has NO problem if you are a sub standard life.Sate Life wants to encourage savings for the better future.State Life wants to provide you a good rate of return to you irrespective of your health condition.
State Life will NEVER ask you to provide any medical evidence of your fitness. 
No certificate of "GOOD HEALTH" is needed.
This has been DONE.
Ans State Life is committed to honor this.  
Q.When my amount will be DOUBLED?After 5 years or 6 years.Will this be paid in one installment or in many installments?
A. Another great question.I am delighted you asked this question.In simple words what you pay to State life will be doubled in 6 years from the date of entry in this plan.
In another words after 6 years.

Q.Is there any minimum or maximum amount which i should deposit?
A. yes.
Minimum  PKR 50000.00
Maximum NO LIMIT

Illustration.
Today is 13th March 2013.If you get this plan today then six years will be completed  on 13th  march 2019.On this particular date the policy will enter in to the 7th year.And the policy holder MAY en-cash the entire policy.
I repeat the word MAY AGAIN.This may is very important because it is all up to you if you want to get this amount.
( DOUBLE ).If you go FOR yes THE POLICY WILL TERMINATE.YOU WILL BE PAID DOUBLE THE AMOUNT WHICH YOU PAID TO STATE LIFE 6 YEARS AGO.
AND THE GOOD NEWS IS THAT YOU WILL BE PAID 
IN 1 iNSTALLMENT.
yes.lump sum DOUBLE THE SINGLE PREMIUM YOU PAID 6 YEARS AGO.

More about this particular plan very soon. 
 Cheers.
And till then i look forward to the pleasure of talking to you again.
please keep surfing and have a nice time on the internet.
Thanks you.Thank you very much for your visit.

Please visit us agin.

Ikram Ul Haq Mirza

Your Life Insurance Analyst 
Read more about this plan here.

This beautiful Personal Pension Scheme has  many more benefits besides generating a good rate of  return on what policy holder invests with State Life.How this policy works after 6 years if policy holder opts for a combination of pension and enmeshment of the part of the policy?To know the the right answer to this question please contact our Life Insurance Analyst.

------------------------------------------------ 
Special message by the Life Insurance Analyst
The secret has been unlocked.If any policy holder survives the STATE LIFE will be delighted to pay double the amount which policy holder paid to 
state life 6 years ago.
Remember
 when policy completes 6 policy policy years and enters in to the 7th year.Only at this stage he has the option to en cash the policy.And if he decides to en cash it State life will pay double of the single premium and the policy will terminate.
And now we end the discussion about 
PERSONAL PENSION SCHEME 
For more details please visit TERMS AND CONDITIONS as discussed by state life, the largest insurance company of Pakistan.
Thank you.Thank you very much for your visit.

    

State life Insurance Corporation of Pakistan.

The tested,the trusted and the largest Life Insurance Company of Pakistan.