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About State Life Rate Book

The text mentioned on these pages is mostly taken from the statelife's agents rate book. It is the main guideline for the agents while it provides highly valuable information for general reader who wishes to know about different plans of State Life Insurance.

The test has been modifies for cleared understanding for the general reader and general policy holder and prospect client by Jamal Panhwar.

Preface

The most important and effective sales tool of the Sales personnel is the Premium Rate-Book, which provides details of the available plans of Life Insurance cover currently in-force in State Life and their premium rates. A thorough grasp of the text of this book will enable them to effectively analyse the needs of the clients and then suggest to them the most suitable cover(s) to fulfill their need(s). This technique in selling will result in increase of satisfied policyholders in their clientele who will be a great source of publicity for them and for their Organisation.

However satisfied client may be at the time of taking a policy, he needs to be constantly serviced thereafter through personal contacts by the Sales Representative concerned, for besides changes required in the existing policy, his needs of insurance may also change with changes in his status and other environments. A regular contact with the policyholder, not only helps in maintaining good persistency of business but also in getting more new business from him and through him from his relatives, friends and acquaintances.

We are confident that with the skill, knowledge and training imparted to our Sales Personnel for effective pre and post Sales Service they will keep their own as well as Corporation's image high in the eyes of insuring public and thereby achieve a job-satisfaction of highest order.

In this edition, we have extended the Family Income Benefit Rider (FIB) Premium rates from maturity age 60 to 65 years, page 134 may be referred.
We wish all the Members of our field force a great success in their career as a Life Insurance Salesman.

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