In addition to this, in order not to stop surprising you, every $100 spent in premiums counts for 1 unit. At the end, collected units will be exchanged against valuable prizes such as gold ounces, cellular phones, trips to Europe, cars and a chalet.
For more information, please contact Expert Consultants.

“IZA BADDAK” Frequently Asked Questions
Q: How Can I participate in the “IZA BADDAK” Program?
A: By fulfilling the required procedures while visiting, personally, the “EXPERT CONSULTANTS” offices.

Q: Can I request the information I need through the phone or any other mean instead of visiting individually?
A: Call us and get the needed information. “EXPERT CONSULTANTS” staff shall provide all the information once the person visits our offices.

Q: What are the categories of the insurance policies included in “IZA BADDAK”?
A: All kinds of individual insurance policies issued by Société Nationale d’Assurances “SNA”. For instance, life insurance, medical insurance, car insurance, fire & burglary insurances, cargo insurance, personal accident insurance, etc…

Q: What are the steps required for participating in “IZA BADDAK”?
A: “IZA BADDAK” Purchased policies shall be paid by the insured in cash as 95% of the initial policy premium except for life and medical policies that can be paid in installments through the bank (SEA). Policies will be submitted within one week, and mostly within 25 days from the completion of all recommended documents. In addition, the policy holder will get 10 discount coupons in his/her account number that grants other participants 5% deduction on their policies’ premiums as well. This allows the initial participant to reimburse his/her initial policy premium on renewal.

Q: What is “IZA BADDAK” pricing criterion?
A: “IZA BADDAK” policies are priced similarly to any policies sold in any of SNA Points of Sale. “IZA BADDAK” automated process is unit-based. Every single unit is equivalent to 100 USD.

Q: Can a person have two different accounts in the same program?
A: Yes, participating in the program through any type of “IZA BADDAK” policies enables the insured to obtain a different account. Different members of the same family are allowed to participate.

Q: How can we benefit from participating in “IZA BADDAK”?
A: In addition to the possibility of refunding the total policy(ies) premium(s) on renewal date, whenever you have 75 units in your account, you will win a gold ounce. Depending on the amount of units, 100 units, 1.000 units, 7.500 and 15.000 units, you will automatically get either a NOKIA 6600, a traveling ticket for 2 persons with full accommodation to Europe or Far East, a Seat Cordoba car, or a chalet at Tabarja Beach. Prizes cannot be exchanged for their monetary value for any reason.

Q: How can I be informed about my account status?
A: Only in person, no information will be given out other than to the concerned person. Whenever your account reaches a valuable level, we will contact you to receive the prize.

Q: What happens after getting the prize?
A: The winner will not be eligible for anymore discounts or prizes once he/she signs for and receives the prize. It is up to each individual insured to decide which prize he wants to reach. When the account reaches a critical target whereby the insured is eligible to obtain any of the prizes, he/she can keep accumulating the units to reach a higher target. Thus, the insured can at any time request his/her due reward if he/she quits accumulating units.
In case you did not complete the 100% refund on your policy, you can always obtain the percentage you have gathered in your account within the 12 months interval.

Q: what are the advantages for “EXPERT CONSULTANTS” for initiating this program? Is it a charitable act?
A: It is a new marketing concept registered officially in the Ministry of Economy and Trade for one of our colleagues that was licensed for “EXPERT CONSULTANTS” to implement. Besides seeking profit, we aim to expand our work spectrum and reward our old and new clients. Accordingly, we will be extremely pleased to increase the group of insured people with SNA Company which always cares for its clients’ peace of mind. As brokers, we will be grateful for building up meaningful relationships in the coming year.