Group Life Solutions

Accidental Death

Accidental death coverage provides coverage against death due to any kind of accident. The company pays the basic death coverage along with the benefit for accidental death. This is sometimes referred to as the “double indemnity clause”. This rider legally binds the life insurance company to pay the beneficiary double the face amount of the policy if the insured should die in accident. There is a nominal fee for the inclusion of this clause into your policy. Let us suppose you died in an automobile accident in a plane crash or in fact any situation that can be considered an accident, the life insurance company has to pay the additional amount. If you, however, engage in any occupation or avocation at the time of application for the policy which would indicate that you would die in an accident, the life insurance company may refuse to issue the accidental death benefit rider or charge you extra to add it.

Permanent Partial Disability

Total Permanent Disability provides coverage to employees in case of disability by accident, where partial disability on a permanent basis shall be deemed to be complete and irrecoverable physical loss of use of any part of the body specified in the policy. What happens if an insured is only ‘partially’ disable? Partial Disability can come in several forms: perhaps he or she perform some but not all of the major duties of the job, or can work only part-time. Under the definition of total disability , no benefits would be paid. To solve this problem, the ‘partial’ disability concept has been developed. Under a disability provision (either in the policy or available by rider), an insured receives a percentage of income loss the sickness or injury has caused.

Terminal Illness

Terminal Illnesses are those diseases that result in death. This life insurance rider allows the insured to collect a portion of their life insurance policy while they are alive. The insured can claim this rider if he/she is diagnosed with a terminal illness, requires long-term care or admission to nursing home. With these conditions, the insured would most likely be unable to continue work and earn an income. This life insurance rider can help relieve some of the financial burden and medical costs.

On diagnosis of terminal illness 50% of the employee’s sum assured shall be paid to him and the remaining 50% would be paid on death.

Total Permanent Disability

Total Permanent Disability provides coverage to employees in case of disability due to accident or illness that would prevent the insured person from following his/her own occupation or any other occupation which he/she is reasonably suited by education or training.

“Total permanent Disability” means disablement of the Life Insured cause by bodily injury or disease which results in:

  1. The complete incapacity of the Life Insured for an uninterrupted period of one year and at all times thereafter which, in the opinion of the Insurer after consideration of medical evidence satisfactory to it, will prevent the Life Insured from ever from ever again engaging in any gainful occupation.
  2. The Life Insured suffering:
  3. Complete loss of both arms or both legs, or one arm or one leg, or
  4. Total irrecoverable loss of sight of both eyes, or
  5. Complete loss of one leg/arm and at the same time total irrecoverable loss of one eye.

The Life Insured must be confined to home or hospital and continue to require regular medical treatment from a medical practitioner.


System and Policy Administration

Adamjee life has deployed Sidat Hyder- individual life administration system (ILAS) it is a suite of modules providing complete solution for an individual’s life insurance information management and administration along with relevant accounting and fulfillment requirements. The solution has the capability to run on a diverse variety of technological platforms using client- server technology. However the new business quotation module has been designed to be used effectively across both the company’s intranet as well as over the internet using state of the art technology.

Adamjee Life’s has created a new benchmark for turnaround time in case of claims payment which is 3 working days after the completion of documents from the claimant. Ease of access in case of lodging and reporting claims is one of the key service differentiation factors that Adamjee Life possesses.


Adamjee Life has developed a unique e-service module to provide AL customers with complete policy management capability. The portal equips the customers to access complete policy details, review funds and investment strategies and make real time alterations as and when required.

Strength of Adamjee Life Data Centre

Adamjee Life’s state of the art data centre is fully redundant which means that in case of any disaster all services are available from DR site. Moreover it also provides


  • 24 x 7 x 365 data centre operations
  • Equipped with latest server and communication technologies.
  • Remote Monitoring and Fire separation system.
  • Network Security Infrastructure
  • Redundant Architecture for Single and Dual Power Supply Servers
  • Bio-metric Hand Geometry Readers and RF-ID reader for physical access.

Adamjee Life Mail Server

AL Mail Server is completely designed, developed and configured in-house. The basic objectives of doing so is to increase flexibility, efficiency, feature set and improved IT investments.

The feature allows us the liberty to create policy holders email addresses as well and communicate with them through a single platform, that too, without any additional investment and limitation.

Claims Portal

Adamjee Life on-line claims portal allows real time claim lodging capability to Adamjee Life customers. Furthermore, the first of its kind portal allows Adamjee Life the ability to Accurately and instantly determining claims liability, flawless processing of claims and speedy claim processing ability resulting in the fastest claim settlement capability in Pakistan.

Munich RE Reinsurance

It is one of the largest reinsurance groups with immense financial strength and provides reinsurance backup globally. It is currently providing services in all lines of insurance and is considered one of the strongest and most trusted reinsurance groups world wide.

Reinsurance provides three essential functions:

– it offers the direct insurer greater security for its equity and solvency, as well as stable results when unusual and major events occur, by covering the direct insurer above certain ceilings or against accumulated individual commitments.

– it allows insurers to increase their available capacity – i.e. the maximum amount they can insure for a given loss or category of losses, by enabling them to underwrite policies covering a larger number of risks, or larger risks, without excessively raising their administrative costs ; and hence our clients do not have to distribute their risk within different insurance company

– it makes substantial liquid assets available to insurers in the event of exceptional losses. So that no matter what, the customer does not have to suffer under any circumstances

Having such a strong and reputable re insurer on board provides Adamjee Life the ability to take up large magnitude of financial risks and provides our clients the peace of mind that under all circumstances they will be taken care of.

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