🛡️ SECP National Insurance Directory

📈 Insurance Policy Valuation Engine

Pakistan registered insurance companies policy values calculate karein.

Select Insurance Company (Pakistan Directory)

Annual Premium (PKR)

Policy Term Duration (Years)

Growth Fund Allocation Strategy

🔔 Corporate Advisory Insight

Select options above and launch computation to build strategic recommendations mapping SECP compliance models.

🏅 Maturity Claim Payout Framework

Rs. 0

Yeh aapki policy term mukammal hone par milne wali total estimated value hai. Isme aapka principal premium sarmaya aur company ke investment reserves se banne wala aggregate terminal bonus shamil hai.

📈 Value Protection Note: Is payout par Pakistan regulatory laws ke mutabik koi policy penalty apply nahi hoti. Yeh 100 percent clean premium disbursement criteria par chalta hai.

❌ Early Policy Surrender Valuation

Rs. 0

Agar aap term poori hone se pehle policy terminate (close) karte hain, to company admin charges, clawback processing cost aur structural fines kaatne ke baad yeh net clear cash value refund karegi.

⚠️ Caution Framework: Policy ko pehle 3 saal mein surrender karne se bhari financial damage hota hai kyunki initial units structural allocations mein deduct ho chuke hote hain.

⚠️ Partial Withdrawal Cash Threshold

Rs. 0

Policy ko active rakhte hue kisi bhi short-term cash liquidity emergency ke liye aap apni running current cash value ka maximum 75 percent tak withdraw kar sakte hain.

⚖️ Zakat & Protection Core: Partial withdrawal karne se aapki dynamic maturity asset value proportionately reconstruct ho jayegi lekin aapka active life coverage buffer running state mein hi rahega.

📝 Frequently Asked Questions

Maturity Claim value kis tarah barhti hai aur iski calculation kya hai?

Maturity claim aapki policy ki term poori hone par milne wali poori raqam hoti hai. Ismein aapka jama shuda sarmaya (Allocated Premium) aur company ki taraf se diya gaya accumulated annual bonus ya investment growth returns dono shamil hotay hain. Jitni lambi muddat hogi, compounding ka faida utna hi zyada hoga.

Kya policy surrender karne par nuksan hota hai aur framework kya hai?

Ji haan, agar aap policy ko uski muddat se pehle band (surrender) karte hain, to company administrative aur processing cost kaatne ke baad sarmaya wapis karti hai, jise Surrender Value kehte hain. Shuruati 2 se 3 saalon mein yeh deduction sab se zyada hoti hai kyunki allocation rate kam hota hai.

Grace Period kya hota hai aur premium na dene par kya policy laps ho jati hai?

Premium due date ke baad tamam insurance companies 30 se 31 din ka 'Grace Period' deti hain. Is dauran agar khuda-na-khwasta koi mishap ho jaye to claim pora milta hai. Agar is dauran bhi premium na diya jaye to policy 'Lapse' state mein chali jati hai aur life cover temporary tor par ruk jata hai.

Income Tax Ordinance ke tehat insurance premium par kya tax benefits miltay hain?

Pakistan ke Tax Laws (FBR Framework) ke mutabik, salaried aur business individuals ko life insurance ya family takaful ka premium pay karne par saalana tax credit (rebate) milta hai. Iske ilawa, policy maturity par milne wali poori raqam completely tax-free hoti hai.

Policy mukammal hone par Maturity Claim lene ke liye kaun se documents chahiye hote hain?

Maturity claim process karne ke liye aapko company ko original Policy Document (Voucher), CNIC ki copy, completely filled Maturity Claim Form, aur apna active Bank Account/IBAN details jama karwani hoti hain taakeh raqam direct aap ke account mein transfer ki ja sakay.