Life Insurance

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Few people are keen to secure the worldly and Akrthm .. Best insurance companies
Many people are keen to secure the lives and property at the best insurance against accidents, thefts, other pay for the huge amounts of money and so few people are keen to secure the worldly and Akrthm and Ichaelvhm dinars and one that is light on the tongue and the words of a great balance, Jananne Mwnsp for long if the Muslim day and night for him and Omenth from the evils of the world, and villains, mutant
To you my brothers and Joati the great elements of this document

First Insurance triangular

I insurance

"The Messenger of Allah and peace be upon him" blessings of the morning, it is in the custody of God. " Narrated by> Muslim "

Insurance II

"The Messenger of Allah and peace be upon him," read a verse from the Holy masterminded every prayer written> did not stop him from entering Paradise except to die "

Insurance III

Mr. prayer for forgiveness: "The Messenger of Allah and peace be upon him," says the Lord God, You are the King Alnt and I am your servant and I am your custom Uadk Maasttat and forbid the evil of your Msnat and you Benamtk Abu Ali and Abu Bznbe Vagvrli you, it does not forgive sin Alnt "He said:" It is

Our words of the day by day and died from it before it dies from the people of Paradise is spoken of the night is sure to become before it is of the people of Paradise "(Narrated by al-Bukhaari (

Of the material on this every day, three leading human Mtdbera true God and Mojtnba Masih was within the God that is discharged and safe, and send him to paradise and those who in the era of God has won and safe-keeping of God and helped in the world and won Bjnth and satisfaction in the afterlife

II: comprehensive insurance

Here is my brother / that prayer which is as comprehensive insurance for you against the dangers of life and defeat the Iwmenk and against sudden calamities to shock and disrupt human life

"The Messenger of Allah and peace be upon him," Who said that the name of God, which does not harm anything with his name in the earth or in heaven, He is the Hearer, the Knower of three times, not even the scourge of Tfjoh Vajip night and it dies a dignified, while not Tfjoh Vajip to become the scourge of God "

III: insurance against the devil

Between us, the messenger of Allah and peace be upon him that the devil is in the blood stream, the son of Adam has been sewing and evil machinations Here is an insurance Mkaih the devil and evil of this modern comprehensive anti

"The Messenger of Allah and peace be upon him," Who said that if it gets out of his home the name of God, trust in God, and suffering and turn Aballah, said to him: and Ahdit spared and Oukit

And stepped down by the devil

IV: insurance against everything

"The Messenger of Allah and peace Aliha:" Say Allah is one Almaoztin while and when it becomes three times dismantling of everything "

These few words the wall, the great impact and meaning in the dismantling of the eye, witchcraft and the Elves care in the day and night so that the conservation and care of God. May Allah accept Taatkm.

Oh God, you know that the hearts had met, and met with Your love and united to Taatk for your invitation. And their association Vothag God created Adam and Ahdha ways and explain the surfeit of issued stock, and your faith to you and depending Ohiha Bmaraftk nation and to testify in Sbelk. You may be yes and yes advocate.

Life insurance (individual)

Common to all types of insurance in the profits with the exception of temporary insurance.


The minimum amount of insurance (1000) pounds for all types of insurance, except:

1 - temporary insurance (5000) LE
2 - bilateral document (2000) pounds.
3 - The document Quartet (4000) pounds.



Insurance without a medical examination until (50000) Egyptian pounds (the amount of risk) and not more than 40 years of age with the terms of the postponement for two years.


Require the disclosure of medical insurance for life and provisional.


Must obtain a token with the request for insurance - not less than a quarter of the annual premium for the amount of insurance, the right to be acquired at the end of the company called the insurance to take the actions or non-receipt of the document.


To calculate the annual premium: first determine the age at the commencement of the insurance, taking into account the age reparation to fracture if the full year, six months or more fractures and excluded if less than that.

First:
ý life insurance (with participation in profits) mixed in the end the age of five and eighty
Committed to the company under this insurance, regardless of the amount insured in one of the following circumstance:



In the case of the death of the insured.


In the case of the survival of the insured is alive at Bluap the age of eighty.

And that in return for an annual premium is paid as soon as the death of the insured or Bluap the age of five and eighty.
This document is involved in the actual profits earned in the section of Life Insurance to be distributed to policyholders 85% of the profits each year in the form of elevation of the amounts owed by insurance - as with the disposal of profits Amuallap insurance death benefit amounts, and did not deserve the profits in the event of liquidation or reduction.
Example: Thirty-year-old person wants to believe the amount of his life (1000) pounds - it's ability to pay annual installments of $ "14,172" pounds until his death, and even more Bluap the age of eighty-fifth
And paid the company Almstnfdin after the death of the insured directly to the amount of the "1000" pounds - in addition to profits Amuallap if death occurred before the age of eighty-fifth, and paid the amount of insurance in addition to profits Amuallap to the insured person if he was alive when they reach that age.
Note: This type of insurance can be obtained at the largest amount in exchange for lower insurance premiums as possible, which is suitable for people who wish to leave the largest possible amount of cash to heirs after them, at low costs.

"Delta" to divide the activity of life insurance company separate

Learned "money" that the Board of Directors of Delta Insurance Company has agreed in its meeting held on the establishment of an independent company for the capital of life insurance will be not less than 60 million pounds to comply with legislative amendments that have committed all the companies to separate the activity of life insurance for property insurance.

He said one of the members of the Board of Directors of the Delta to ensure that the decision to establish the new company came in response to a letter sent by the Egyptian Authority for the Supervision of Insurance, which called for the officials of the company to identify their position on the separation of my life and property.

It is known that the activity of insurance is divided into two sections: the life insurance and related documents in this section of individuals, which covers the risk of death, disability and general insurance branch and includes all the documents that provide compensation for any loss of property clients.

He told the source of "money" that there are some other reasons that prompted the board of directors of Delta to agree to the establishment of an independent firm of life insurance, including the difficulty of applying the proposal to merge the companies was the governor of Al-Hayat, the Suez Canal and the Delta and the establishment of an independent entity in addition to the company's initiative to secure the Suez Canal, the declaration independent company founded on the life insurance capital of up to 60 million pounds.

The source added that the meeting of the Governing Council yesterday failed to address the process of financing the capital, but only to the approval of the establishment of the new company, pointing out that the budget presentation of the company in the period from July 1, 2008 until December 31 of the same year and sent for ratification by each of the Egyptian Insurance Supervisory and the Capital Market Authority.

Life insurance .. The latest fashion among artists in Egypt

Life insurance has become a new fashion among artists since the signing of Elham Shahin for her life insurance policy the amount of twenty million pounds, due after twenty years, the phenomenon has spread among the many artists and singers.

Madeleine has linked the signing of an insurance policy on her life ten million pounds, with one of the global insurance companies, and deserve, after twelve years, and paid thirty thousand pounds a month .. Amer Monib singer revealed an Egyptian insurance company for the amount of a secured life in return for five million pounds.

Mentioned that the upper has been charged following a quarter of a million pounds, the price of an insurance policy paid 18-year-old deserves after 20 years and obtained a few years ago and had to repeat the experience, but not revealing the amount and number of years.

Tremendous opportunities to buy in the area of life insurance settlements, and assets are sold at a faltering faltering assets

"Life Solutions International," is hosting a free online discussion focused on opportunities for troubled assets associated with the insurance field

San Diego, United States of America, February 2, 2009 (Business Wire): the market has become associated with the assets of insurance buyers market where conditions are generally considered very favorable to those who now buy life insurance settlements, or engaged in the latter arena. This opportunity has resulted in part from the turmoil in global financial markets, but it does not expect these conditions to last forever.
While this market provides opportunities for investors, many of the buyers are perplexed about how to initiate the process of procurement and source selection, which would provide them with reliable information to allow evaluation of the category of those assets.
The "Solutions for Life International", a pioneer in helping buyers of assets related to insurance, the day of the fourth Wednesday of the month of February, in conjunction with the company's "Life Settlement Solutions" - a pilot with adjustments in the list of life insurance in the United States - to host lecture The panel discussion is the first online (and Ipinar) among a set of awareness, which stretches for over a month - TM ILIAM) (- and which will be the title of "investment opportunities in the troubled insurance-related assets."
Says Larry Simon, President and Chief Executive Officer of the "Life Settlement Solutions": "We have seen the number of buyers who wish to exploit the opportunities associated with the purchase of assets insured by the unprecedented growth dramatically. We note the rise to the level of demand by investors from different sectors, and we need to know more adjustments to life insurance, to finance the premiums as well as related products. We hope that this type of lecture and Ipinar centered on the troubled assets - such as the awareness of all the events of the first of its kind on investments relating to insurance ILIAM-in bridging the gap of awareness and allow before more investors to enter this growing market. "
It will include a lecture and Ipinar a panel of experts in the sector, such as Steve Bodger, Chairman of the company, "Bodger and Co." (Boger & Assoc., LLC), a consulting company in the insurance field, and Daniel Basag, a partner in the "Ooumilffine and Myers" (O''Melveny & Myers,) in Los Angeles in addition to Larry Simon. And will provide all members of the Board a unique perspective on the important aspects of understanding of insurance-related assets as part of the presentations of each of them.
The Commission will meet for the first time on the Internet at ten o'clock in the morning according to the timing of the United States - the Pacific, and remember that participation is free of charge. The opportunities for participation is open to institutions operating in various sectors, including hedge funds, private equity funds and pensions, in addition to insurance and reinsurance companies, and family offices.

The other events that are part of a series of two parts ILIAM focus on industry trends and investment associated with the field of insurance. Will be the first part of the series on the tenth of February and the second in the seventeenth of February as being a debate centered on the financing of premiums in the twelfth month of February. Planning is under way for more events to be held later in the month, which will be announced as they become available.

In light of the expectations of the future that is not optimal from the present Life insurance industry, the British re-read the fact

In the early sixties last century, was sent a staff member in the "Brodinchal" working in the headquarters of the company, which had a time in London, Louis Rolf as part of the training program, to conduct surveys about the quality of life experienced by the agents, from section to section, the insurance company Medlanz in the East.

Rolf spent a week traveling in the streets with the so-called "men of the Pro" (a reference to the name of the company) Men from the pru, and they receive premiums in Sheffield, at that time Britain was still a dominant industry, and for the families of the working class crowds was synonymous with sales of men to provide for expenses such as funeral service.

Rolf remember: This is why it must be a friend of the family of the agent, if customers need any advice outside the areas in which they operate, this is the side which provide assistance.

If they need a lawyer, for example, in the light of his contacts within the business sector, may be able to submit a proposal in this regard, the issue was almost like a roving office advised citizens.

But with the transformation of Britain's economy to a service, I discovered life insurance companies, such as "Brodinchal" it will not be able to continue relying on these relationships, such as warm and comfortable.

Currently facing a harsh new world, where the stained reputation, and the traditional role of the challenge facing the competitors a more active and less movement.

The model of work, which since the demise of the role of direct sales groups, depends to a large extent on the payment of money to pay brokers for the sale of Boualsa, is exposed to an attack by the oversight bodies and management.

It is expected to provide the Financial Services Authority FSA's proposals this week could push the industry away from this practice.

The mafia life insurance companies means a great deal for the British stock market to the extent the same shareholders and decision makers.

In the presence of one trillion and 200 billion pounds under management, it controls nearly a fifth of the shares traded on the London Stock Exchange.

With the colorful history and access to a mature domestic market, even if still in the process of growth, the life insurance companies of British, it must be the dominant industry.

But for the past 20 years, the nations of continental Europe is produced by the "heroes of securing" the nationalists such as Axa of France, Allianz of Germany, and "Dzali" Italian.

"Aviva" the largest British insurance company by market value, is the sixth-largest insurance company in Europe, not even among the top ten insurance companies in the world.

And Henry de Castrier says Chief Executive Officer of AXA without equivocation, that the life insurance companies, "shot on their feet" through mismanagement and the wrong selling, providing an opportunity for competitors from overseas for the robbery of their clients.

The roots of the crisis life insurance companies, to the demise of the so-called with-profit policies. For decades, the products of these complex and vague, they represent the true backbone of the life insurance sector in Britain, which promotes the return on investment for the bondholders, through the set aside a portion of the proceeds in support of good policies, when performance is weak.

In times of high inflation and the massive capital markets, with the funds they were invested in equities, made profits rewarding, but with the decline in inflation and the three consecutive years from the collapse of stock markets between 2000 and 2003, the proceeds of the policy less, also fell, with the sales policies of profit decline considerably.

Also, the confidence in the life insurance industry shaken, as a result of a series of scandals Sale wrong, and the crisis of the "Ekthbl Live" in 2000, which led to the loss of more than one million policy-holders the value of billions of pounds sterling, when it reached the cooperative insurance companies to the brink of collapse.

In response, it has stepped up oversight bodies to supervise the actions of industry. According to de Castrier: the vicious circle of selling scandals that have followed the wrong procedure in excess of the necessary oversight, led to the development of which the margins are in the United Kingdom, structurally lower than the rest of the world.

But with the fight against life insurance companies to save its reputation and cope with the reactions of the oversight bodies, there were other changes to arise, as the developments that have taken place in the markets of the United Kingdom and Australia, has managed systems at the present time savers to invest in the long term, to provide for retirement without recourse to the insurance departments of life.

And through these systems, known as "platforms" that can put individuals or their money in the thousands of investment funds in ways that ensure the efficiency of taxation. This represents a challenge to the traditional role of insurance companies on life, which revolves around an automated packaging elements in the form of long-term savings or retirement product.

When it comes to the provision of investment funds through these systems, there is little to distinguish between life insurance companies and other managers to Moain savings.

The Kazlet Nair, analyst with independent life insurance: If the life insurance companies think they are entitled to because of this historical work, it is wrong.

There is one option, which is to manage life insurance companies for the platform, and is at the forefront of this system, "Standard Dlaev" the former cooperative insurance company, says Trevor Matthews, head of retail at the British "Standard Life" I believe that this platform is the solution.

And others may adhere to the area and one which is constantly doing good for the life insurance companies, which is death (death).

Of course, its called the life insurance because the neighborhood is no doubt continue to die. And insurance companies still have the competitive advantage when it comes to managing the likelihood of death of people, known Balphenaiip.

This means that it is in a good position to make policies that pay money, in the case of the death of an individual to a specific time period.

And still other financial services institutions like insurance companies to catch up, when it comes to the management of seniority - the risk that people live longer.

This is an issue in the provision of mandatory annual installments - is committed to contracts pay holders of the policy, the income until his death. With the increase in life expectancy, this experience will be invaluable in full.

The other option is to waive the United Kingdom in full, and to focus on life insurance markets and overseas, which has some of the fastest growth rates and tax systems and environments and a stable legal order.

Faces "Brodnchal" pressure from some investors to sell or re-integration of the British arm of life insurance and, therefore, lawmakers left the door for the separation of the future.

One of the ways in which life insurance companies in the United Kingdom for the competition, is to provide pre-paid huge kickbacks to brokers in exchange for marketing their products.

However, this practice of the place of the attack by the oversight bodies, on the grounds that they lead to the erosion of vessel capital of insurance companies, and can be detrimental to customers.

FSA tests are on the way in which the distribution of retail investments, including long-term savings and pensions.

Proposal could result in the industry away from commissions paid in advance, will lead to more impulse.

But while that might be the "man of the Pro" MAN FROM THE PRU and his family in a steady decline, the life insurance companies, the British - either through the size or because of autism - are not likely to disappear any time soon.

Neil believes Bndov, a partner with LEK Consulting, who derive income life insurance companies in the past, the British, I mean that it is facing a "progressive ever."

According to the analyst Roman Syazdin "Aurel Skyotiz," he remembers talking with the investor in approximately 1980. Was very enthusiastic, because the stock broker, an expert told him that the insurance market life insurance in the United Kingdom, will become the market such as the United States, which led all of the cooperative insurance funds, and life insurance industry to extinction.

This was at the beginning of eighties, there was no such thing so far.

What is the ruling on the insurance, whether life or property?

Life insurance and property can not be forbidden, because it involves gharar, usury, had been deprived of God - the Almighty - All transactions and usury transactions where Gharar the mercy of the nation and to protect them than it would harm her, he said Allah - Almighty -: (Allah has made lawful, and denied the sale and usury). Access to the Messenger of Allah, may Allah bless him and grant him salvation, it forbade the sale of gharar, and reconcile with God.

Answered by Allama Ibn Baaz, the Almighty God's mercy