Finance Bank and Professional Life dare to make insurance accessible to all

FBZ managing director and CEO Mr. Barkat Ali and PLAL managing director,
Mr Rajagopal Krishnaswamy complete the signing ceremony. 

Professional Life Assurance Limited (PLAL) has partnered with Finance Bank Zambia Limited (FBZ) to deliver affordable life assurance policies through FBZ’s 52 branches across the country. The partnership was launched on Wednesday 30 June, at Finance Bank Headquarters, Lusaka. 

Speaking at the launch FBZ managing director and CEO Mr. Barkat Ali said his bank will act as the distribution channel for the insurance products under the partnership and PLAL will underwrite the policies. 

The Bancassurance partnership will cover two particular products namely Bantubonse and Credit Life. The partnership is seen as a way to make it easier for the low income bracket to access to affordable insurance services. Clients will now be able to conduct their banking and have access to the insurance services all under one roof. 

The Bantubonse life assurance policy offers protection to the policy holder and their family in an event of death. With a minimum of K2, 500 per month paid for at least three months, the beneficiary would receive a minimum of K1m in the event of death of a policy holder. 

Credit Life is designed to protect policy holders from credit related losses in case of termination of employment through redundancy, death of the insured, total and permanent disability among others. 

PLAL managing director, Mr Rajagopal Krishnaswamy, said the Bantubonse life assurance policy has been received well among the targeted clients, in the low income bracket, in the peri-urban areas of Zambia. 

He also indicated that the information regarding the policy will be made available in local languages in respective provinces. 

During the event FBZ managing director and CEO Mr. Barkat Ali said Credit Suisse are still partners in FBZ with 40% shares and FBZ still enjoys a customer base of over 120,000 customers across Zambia. FBZ has a deposit base in excess of K1 trillion. 

Women learn to give priority to the romantic and bonding aspects of the love relationship and to deny the sexual and genital aspects. Meanwhile men tend to develop a preference for the latter and to repress the bonding aspect. 

It is these differences in men and women that frequently produce misunderstandings and differences in desire in a relationship.

On the one hand, the fact that only one aspect of sexuality is accepted at the expense of the other leads to sexual experiences which can only be partially fulfilling for women and for men.  On the other hand,  because the aspect privileged by one of the partners is the one denied by the other, men and women come to have a different understanding of sexuality and consequently develop different expectations.

For example, the man would be thinking about whether he wants oral sex or a romp in the car, whilst his woman is thinking about commitment and roses. 

Frictions

These different expectations cause of frictions the relationship as each partner believes that his or her way of sexual expression is better than that of the other. The friction occurs when each partner tries to  convince the other one that his/her point of view is better.

 

Women would like their partners to be nothing other than all tender and loving. On the other hand men wish that their women could just get “wild” in bed. 

Because of these different expectations, the communication process is broken down and it becomes difficult to fulfill each other’s important needs. At the centre of this problem is the need for the woman to retain her femininity and the man his masculinity. By giving in to the man’s way of doing this, the woman feels that she is losing out. The man feels he is losing out by giving in to the woman. 

Some women feel that by giving in to a man’s demand for sex with no emotional conditions is succumbing to indecency. 

Similarly, a man does not wish to be perceived as weak and so he refuses to be tender and relational. 

However, if a relationship would have a chance of success, partners need to understand that when it comes to the issues behind the bedroom door, it is a matter give and take. 

Couples must understand that, you cannot love your partner from your own viewpoint. To love your partner you have to love them from their side. 

It then becomes necessary for men and women to recognize that their partner’s way of experiencing sexuality is complimentary to their own and that both would gain by simply integrating the other’s approach into their own way of experiencing sexuality. 

Even so, this recognition is only the first step in a long process of integration of the two aspects of sexuality within a person's and a couple's sexuality that becomes a source of pleasure and fulfillment. Here are some pointers that would help you resolve such conflicts in your own relationship. 

1.    Identify how you feel. Be clear about your own expectations and sexual needs. 

2.    Learn and understand your partners needs, expectations, and feelings regarding their own sexuality and sexual needs. 

3.    Communicate clearly your sexual feelings, expectations, and needs. 

4.    Be receptive when your partner tries to communicate their needs and expectations. 

5.    Do not look down on your partners needs or feel that your own are of superior importance. 

6.    Look at your partners needs as your opportunity for adventure and new experiences

7.    Enjoy yourself, and enjoy your partner, and enjoy you’re your union.