1. PRINCIPAL OFFICE KARACHI

2. IMPOTTANCE OF PROSPECT NAMES IDENTITY COLD CALL / GOLD CALL RELIGION IDENTITY WHY RESIDENTIAL ADDRESS IMPORTANT? TO ASSES FINANCIALWORTH/STATUS. MAILING PURPOSES. AREA ALLOCATION TO MAKE A LIST TO VISITS. WHY RESIDENTIAL PHONES IMPORTANT? EASY COMMUNICATION/CONTACTS LOWEST PHONE CALLS RATE– LAND LINE BENEFITS OF CELL PHONES AVAILABILITY ALL TIMES. GUARANTEED APPOINTMENTS. TIME SAVING

3. KNOWING AGE BENEFITS? MATURITY LEVEL SELECTION OF SUITABLE PLAN. EARNING CAPABILITIES. WHY TO KNOW CLIENTS PROFESSION? TO SELECT PROPER TIME FOR PLAN PRESENTATION. TO ASSES EARNING CAPABILITIES. TO SELECT SUITABLE PLAN & SUPPLEMENTRY CONTRACT. TO KNOW ABOUT GROUP INSURANCE COVERAGE AVAILABLITY. POST RETIERMENT BENEFITS.

4. ACCOMMODATION OWNED OR RENTED? TO ASCERTAIN PREMIUM PAYING CAPACITY FINANCIAL WORTH TO MOTIVATE PROSPECT FOR INSURANCE BY GIVING IDEA OF HIS/HER OWN HOUSE. WHY IMPORTANT TO KNOW NUMBER OF DEPENDANTS AND THEIR AGES. TO DECIDE TERM OF POLICY. TO ASSES LIABILITIES. BENEFITS OF KNOWING STATE LIFE INSURANCE CONFIDENCE. BRAND RECOGNITION. EASY TO SELL PLANS OPPORTUNITY TO EXPLAIN.

5. The premium rates given here-in are applicable to all new life insurance policies issued by the Corporation henceforth. These rates are the basic annual rates for Rs.1,000/- sum assured unless mentioned otherwise. The actual amount of premium payable will be determined by adding to the basic annual premium for the total sum assured and policy fee of Rs.2.50 per Rs.1,000/- sum assured subject to a maximum of Rs.100/-.

6. FOR POLICIES OF RS.3,00,000/- AND ABOVE SUM ASSURED: For a policy of Rs.3,00,000/- and above sum assured the basic annual premium per thousand sum assured will be reduced by 50 paisa. MODE OF PREMIUM: If the mode of premium payment is other than yearly, the premium installment will be determined by multiplying the annual premium by factors:

7. MODEFACTOR MODE FACTOR Half-Yearly0.52 Quarterly0.27 Monthly0.09 In other words the Half-Yearly premium will be 4% more than yearly premium. Similarly quarterly and monthly premiums will be 8% more.

8. Premium calculation of basic sum assured shall be to the nearest rupee, the method would be to calculate upto 2 decimals and then take the nearest rupee i.e. if the premium works out of Rs.5526.50 it should be taken as Rs.5526/- and if it is Rs.5526.51 or above it should be taken as Rs.5527/-. Similarly all extra premiums for supplementary contracts i.e. AIB, ADB, FIB etc., are also to be calculated to the nearest rupee separately and rounded off separately.

9. FIELD MAN POWER DEVELOPMENT DEPARTMENT DEVELOPED BY: MOSHIN ABBAS & KASHIF HASHMI F.M.D P.O, KARACH