🔴 TRENDING
SECP State Life introduces new digital Takaful certificate structures for 2026.
BONUS Jubilee Life announces highest reversionary bonus scale for unit-linked plans.
ALERT Surrender charges are zero after 3 years of policy compliance in Pakistan.
TAX SAVINGS Salary earners can claim tax credit up to 20% on premium investments under section 62.

Calculate Your Cash Value

Policy Cash Value Calculator in PKR aap ke liye best free tool hai. Ab aap ko kisi agent ko call karne ya manual calculations karne ki bilkul zaroorat nahi hai. Is calculator tool ki madad se aap insurance plan ki cash value, surrender, partial withdraw, or maturity calculate kar sakte hain.

⚡ Live System Framework
PKR 640 Billion +
SECP Regulated Asset Base Valuation

Cash Value Calculate Karein

Apni policy duration ke mutabik "Cash Value" ya different insurance plans ke live calculation aik hi click par check kare.

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Plan Category
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Company
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Metrics
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Report

Select Insurance Plan:

📄Life Insurance
🏥Health Insurance
🏭General Insurance
🏡Home Insurance
🚗Car Insurance
✈️Travel Insurance
📈Endowment Plan
🏍️Motor Insurance

Configure Asset Parameters

📝 Financial Projection Dashboard

Your Total Paid Premium Asset
PKR 0
Surrender Charge Penalty: 0%

1. Surrender Value

PKR 0

2. Partial Withdrawal Max

PKR 0

3. Est. Maturity

PKR 0

4. Natural Death Amount

PKR 0

5. Accidental Death Amount

PKR 0

6. Disability Amount

PKR 0

💡 SECP User Illustration Builder

Customize your expected projections and check policy status instantly.

📊 Side-By-Side Plan Comparison

Pakistan ke standard vs high-allocation policy structures ka mawazna karein:

Policy Feature Standard Endowment Plan Unit-Linked High Allocation
Year 1 Premium Allocation 25% - 35% 50% - 70%
Surrender Lock-in Penalty High Loss (Year 1: 100%) High Loss (Year 1: 100%)
Surrender Charge Zero After Year 3 After Year 3
Bonuses / Growth Pool Reversionary + Terminal Dividend Mutual Fund Unit Appreciation

💡 SECP Verified Agent Checklist

Policy sign karne se pehle agent se yeh 4 zaroori sawal zaroor poochay:

  • ✅ 1st Year Allocation Rate: Pehle saal mere premium mein se kitne percent invest hongay aur kitni deduction hogi?
  • ✅ Partial Withdrawal Terms: Pehle 3 saal ke baad emergency withdraw karne par kitne % charges katay gi company?
  • ✅ SECP License Check: Kya insurance agent/broker SECP authorized registered agent list mein mojood hai?
  • ✅ Guaranteed vs Projected Growth: Proposal document par likhi hui maturity amount guaranteed hai ya expected bonus rate par base karti hai?

Kitni Insurance Coverage Chahiye?

Apne monthly expenses aur protection timeline ke mutabik safe cover estimate karein.

Recommended Ideal Life Cover

PKR 4,800,000

Calculation Details:
• Base Yearly Expense: PKR 480,000
• Inflation Factor: Active (+35%)
• Recommended Sum Assured target based on guidelines.

Frequently Asked Questions

Insurance categories aur cash values ke hawale se aam poochay janay walay sawalat

Life Insurance ka basic maqsad protection hota hai taake kisi na-gohanay waqaye ki surat mein family ko pure financial backup (Sum Assured) milay. Jabke Endowment & Saving Plans mein protection ke sath investment element shamil hota hai, jahan aapko maturity par terminal aur reversionary bonuses ke sath aik bari cash value milti hai.
Car Insurance aam tor par 4-wheeler commercial ya private vehicles ki full protection (comprehensive cover, tracking device, automatic parts replacement) ke liye customize hoti hai. Motor Insurance broader category hai jis mein 2-wheeler motorbikes, scooters aur standard compliance checks ko target kiya jata hai taake chori ya snatching ke nuqsan se bacha ja sakay.
Conventional life aur endowment plans ko normal halat mein minimum 2 se 3 saal mukammal premiums ada karne ke baad surrender kiya ja sakta hai. Cash Surrender Value woh amount hoti hai jo policy premature terminate karne par companies aapko claims deductions aur management costs minus karne ke baad wapas karti hain.
Nahi. Asset protection plans jaise Home, Travel, aur General Insurance aam tor par limited terms ya annual cycles ke liye design kiye jate hain. In mein koi long-term investment pool ya cash maturity value nahi hoti. Agar pure term mein koi accident ya claim hit nahi hota, toh premium expired asset consider hota hai.