pay savers launching v3.1 (workshop) wo comp
Post on 13-Jul-2015
460 Views
Preview:
TRANSCRIPT
Product WorkshopProduct Workshop
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
Program Walk ThroughProgram Walk Through
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
Consumer InsightsConsumer Insights
The same survey discovers that the planning is triggered by major events such as childbirth and marriage
AXA Retirement Scope 2010 indicates that Malaysian start savings for retirement at the
age of 4646
根据 2010 年 AXA 退休调查 显示大马人通常
在 4646 岁时才开始 为退休打算
同样的调查也发现 储蓄规划一般是 由一些重大事件, 如生子或婚姻所
触发的
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
Consumer InsightsConsumer Insights
This should not come as a surprise as these are the times when we take on added responsibilities
For parents, they will be able to understand perfectly as they strive for the best for their child.
这是理所当然的 因为这些阶段正是
我们 承担更大责任的时候!
对父母来说, 他们能完
全了解 想给孩子最好一切的 想法
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
Building a Savings FundBuilding a Savings Fund
Retirement fund
退休基金
Major events will trigger a strong need to create a savings fund
重大事件会让我们兴起储蓄的念头
Education fund
教育基金
Different Purposes of Savings
储蓄的不同目的
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
Building a Savings FundBuilding a Savings Fund
The priority will change with changing circumstances & life stages
储蓄的目的会随着不同的情况和人生阶段而有所改变
By the time your child is ready to go to college, your retirement will take over as the 1st priority
当孩子上大学之后,退休便将使你储蓄的最重要目的
Retirement fund
退休基金
Education fund
教育基金
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
A hybrid financial program that is designed to reward you while you build your savings fund
Introducing Introducing PaySaversPaySavers
一项让你 在建立储蓄基金的同时 也能奖励自己的混合型财务计划
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
Option of saving period as short as
15 and 20 years. This saving period is guaranteed with no further contribution required regardless of the investment environment
储 蓄 期 限 可选择 15 或 20 年。这项储蓄的期限是无论在何种的投资环境下都受到保证的
Introducing Introducing PaySaversPaySavers
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
While you accumulate your savings fund, it will start rewarding you with biennial payouts starting from the 2nd policy year. These payouts can be accumulated as supplementary fund for your child’s education or to treat yourself to a well deserved holiday
在累积储蓄基金的同时,您可以自第 2个 保 单 年 度 开始每 2 年 领取现 金储蓄。您可以将这笔钱当成子女教育的储备基金,也可以用来奖励自己,享受一个美好的假期
Introducing Introducing PaySaversPaySavers
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
Once you have completed your saving period, it will generate guaranteed income annually until maturity
一旦完成您的储蓄期限, PaySavers 将会每年提供您保证周年收入直到满期为止
At maturity, an additional lump sum guaranteed benefit will become payable to enhance your retirement fund
满期时 , 您也可以领取一笔额外的保证基金充作您的退休基金
Introducing Introducing PaySaversPaySavers
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
The income is further enhanced by non-guaranteed annual cash dividends to be declared annually
每年还有无保证的周年现金红利以增加您的储蓄
Both cash endowment and cash dividends have the option to be invested in 4 professionally managed investment-linked funds to enhance your retirement fund
您也能选择将现金储蓄和现金红利投资在专人管理的 4 种投资连结型基金内以增强您的退休基金
Introducing Introducing PaySaversPaySavers
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
The program comes with optional supplementary plans that will create access to contingency funds
您也可以选择增加其他保单让您能在需要时拥有一笔紧急基金
The combination of income generation, investment-linked funds and contingency funds enable PaySavers to be structured to meet customers’ changing needs and risk profile
结合储蓄收入、投资连结型基金以及紧急基金的 PaySavers 能迎合您不断更改的财务需求与风险状况
Introducing Introducing PaySaversPaySavers
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers - - Product OverviewProduct Overview
PaySavers 15 PaySavers 20
Plan Type
保单类型
Limited pay endowment plan
有限缴付储蓄保单
Limited pay endowment plan
有限缴付储蓄保单
Premium Paying Term
保费缴付期限15 years 20 years
Policy Term
保单期限30 years 30 years
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySavers 15 PaySavers 15 in one glancein one glance
Save annually for 15 years
每年储蓄为期 15 年Beginning of year 年初
Maturity Benefit满期利益
15 30
Guaranteed Income of 5% of BSA bi-annually
每 2 年一次的 5% 保证收入
1
Guaranteed Income of 8% of BSA Annually
每年一次的 8% 保证收入100% BSA + TD
+ IL Fund
2 3 16
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySavers 20 PaySavers 20 in one glancein one glance
Save annually for 20 years
每年储蓄为期 20 年Beginning of year 年初
Maturity Benefit满期利益
20 30
Guaranteed Income of 5% of BSA bi-annually
每 2 年一次的 5% 保证收入
1
Guaranteed Income of
8% of BSA Annually
每年一次的 8% 保证收入100% BSA +
TD +
IL Fund
2 3 21
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – Cash Endowment – Cash Endowment
End of Policy Year
1 2 3 4 5 6 7 8 9 10
PaySavers 15 0% 5% 0% 5% 0% 5% 0% 5% 0% 5%
PaySavers 20 0% 5% 0% 5% 0% 5% 0% 5% 0% 5%
End of Policy Year
11 12 13 14 15 16 17 18 1920-30
PaySavers 15 0% 5% 0% 5% 8% 8% 8% 8% 8% 8%
PaySavers 20 0% 5% 0% 5% 0% 5% 0% 5% 0% 8%
% of Basic Sum Insured
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – Cash Dividend – Cash Dividend
Dividend, if any, is declared Annually
每年也有非保证的现金红利
Projected to be payable starting from the end of 5th policy year onwards
预期将在第 5 个保单周年底之后给付
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – CE & CD Option – CE & CD Option
1. To received the Cash Endowment &
Cash Dividends in cash
以现金领取现金储蓄和现金红利
2. To leave the Cash Endowment & Cash Dividends in our Professionally
managed investment-linked fund
将现金储蓄和现金红利投资在由专人管理的投资连结基金
For Proposal Form, fill up the Question 4 @ Part IV to indicate
customer’s option
填写要保书时,在第 4 部分的第4 题注明客户的选择
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – 4 Invest-linked Fund – 4 Invest-linked Fund
Active Balanced Fund
Active Bond Fund
Dana Imbang
Asia Pacific Growth Fund
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – 4 Invest-linked Fund – 4 Invest-linked Fund
To provide a steady stream of income through investment in money
market & private debt securities with limited exposure to equities
通过投资在现金市场与私人债务证券 ,以及一小部分的股票以提供固定的收入
Active Bond Fund
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – 4 Invest-linked Fund – 4 Invest-linked Fund
To provide a steady income & capital growth over a medium to
long-term period
通过中长期的投资取得固定的收入和 资本成长
Active Balanced Fund
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – 4 Invest-linked Fund – 4 Invest-linked Fund
To provide a steady income & capital growth over a medium to long-term
period by investing in a portfolio of investments that compiles with Shariah
requirements
通过中长期投资于符合回教法要求的投资组合取得固定的收入和资本成长
Dana Imbang
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – 4 Invest-linked Fund – 4 Invest-linked Fund
To seek high capital growth over a medium to long-term period through investments in situational & high growth
stocks
通过中长期投资于高成长股票以寻求 高资本成长
Asia Pacific Growth Fund
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – Maturity Benefit – Maturity Benefit
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – Death & TPD Benefit – Death & TPD Benefit
Note: The max. payment for TPD is 1.25 Million
永久残废的最高给付额为 1 百 25 万令吉
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – Surrender Value – Surrender Value
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySaversPaySavers – Rider Attachable – Rider Attachable
Payor Benefit Waiver of Premium Critical Illnesses
严重疾病 TPD (before age 60)
永久残废 (60 岁之前 )
Death
死亡
Critical Illnesses
严重疾病
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
Underwriting GuidelinesUnderwriting Guidelines
Min Max
Entry Age (Insured)
投保年龄(受保人)15 days 60 years old
Sum Insured投保额 RM 10,000 Subject to
Underwriting
Coverage Term受保年限
Death: 30 years
TPD: 30 years / age 60 of the Insured (Whichever is earlier)
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
3 Reasons why you sell 3 Reasons why you sell PaySaversPaySavers!!!!!!
Hybrid Endowment Plan – Pioneer in the Market!
混合型储蓄保单 – 市场先驱!
High & Higher Cash Endowment Guaranteed – 5% & 8%
更具吸引力的保证现金储蓄 – 5% & 8%
Full Commission Payment – 26.25% & 35%
完整的佣金给付 – 26.25% & 35%
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
3 in 1 – why you buy 3 in 1 – why you buy PaySaversPaySavers!!!!!!
PaySaversPaySavers –3 Financial Needs in 1 Solution!!!
3 项财务需求 1 个解决方案
For Parents in age 35 ~ 45
年龄介于 35 至 45 岁的父母
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
3 in 1 – why you buy 3 in 1 – why you buy PaySaversPaySavers!!!!!!
Basic Plan PaySavers 15
Rider Payor Benefit
Life Insured 5 years old
Payor 40 years old (smoker)
Sum Insured RM 100,000
OptionReinvest in Active Balanced Fund (100%)
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
3 in 1 – why you buy 3 in 1 – why you buy PaySaversPaySavers!!!!!!
8% of BSA (CE) + Cash Dividends every year as Retirement Income
退休收入:每年 8% 现金储蓄 + 现金红利
Payor: Parent (age 40)
Life Insured: Child (age 5)
Saving for 15 years
储蓄 15 年
Payor: Parent (age 55)
Life Insured: Child (age 20)
35% of BSA (CE) + Cash Dividends + Investment Return as
Education Fund
教育基金: 35% 的现金储蓄 + 现金红利 + 回酬
Payor: Parent (age 70)
100% of BSA + Terminal Div. + ILP balance (if any) (if any)
as Golden Age Fund
黄金岁月基金: 100% BSA + 期终红利 + 投资户口余额
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
3 in 1 – why you buy 3 in 1 – why you buy PaySaversPaySavers!!!!!!
Retirement Income (15th year onwards)
(CE) RM 120,000 + (CD) RM 39,500 =
RM 159,500 (RM 10,633 p.a.)
Payor: Parent (age 40)
Life Insured: Child (age 5)
Saving for 15 years
(Basic) RM 13,420 + (Payor) RM 1,332.61
= RM 14,752.61
Payor: Parent (age 55)
Life Insured: Child (age 20)
Education Fund (15th year)
Projected IL account value
RM 53,492 ~ RM 77,796
Payor: Parent (age 70)
Golden Age Fund
(BSA) RM 100,000 +(Terminal Dividend) RM 84,443 =
RM 184,443++
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
3 in 1 – why you buy 3 in 1 – why you buy PaySaversPaySavers!!!!!!
PaySaversPaySavers –3 Financial Needs in 1 Solution!!!
3 项财务需求 1 个解决方案
For Professional & Executive
in age 35 ~ 45
年龄介于 35 至 45 岁的 专业人士和执行人员
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
3 in 1 – why you buy 3 in 1 – why you buy PaySaversPaySavers!!!!!!
Basic Plan PaySavers 20
Rider Waiver of Premium
Life Insured 35 years old (smoker)
Sum Insured RM 100,000
Option Withdrawal
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
3 in 1 – why you buy 3 in 1 – why you buy PaySaversPaySavers!!!!!!
8% of BSA + Cash Dividends every year as Retirement Income
退休收入:每年 8% 现金储蓄 + 现金红利
Payor (age 35)
Saving for 20 years
储蓄 20 年
Payor (age 55)
5% of BSA (biannual) + Cash Dividends (annual) as
Life Style Fund
优质生活基金: 5% 现金储蓄 ( 每 2 年 )+ 现金红
利 ( 每年 )
Payor (age 65)
100% of BSA + Terminal Div. (if any)
as Golden Age Fund
黄金岁月基金: 100% BSA + 期终红利
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
3 in 1 – why you buy 3 in 1 – why you buy PaySaversPaySavers!!!!!!
Retirement Income (CE) RM 88,000 + (CD) RM 29,500 =
RM 117,500 (RM 11,750 p.a.)
Payor (age 35)
Saving for 20 years (Basic) RM 11,450 + (WOP) RM 660 =
RM 12,110
Payor (age 55)
Life Style Fund (Guaranteed Biannual CE) RM 45,000 + (Projected Annual CD) RM 21,100 =
RM 66,100
Payor (age 65)
Golden Age Fund
(BSA) RM 100,000 + (Terminal Dividend) RM 123,823 =
RM 223,823
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySavers PaySavers – Sales Illustration– Sales Illustration
Death Benefit =
Higher of Sum Insured or Total Annual Premium Paid
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySavers PaySavers – Sales Illustration– Sales Illustration
Scenario A:
Assumes Participating Fund earns 4.75% p.a.
Scenario B:
Assumes Participating Fund earns 6.75% p.a.
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
PaySavers PaySavers – Sales Illustration– Sales Illustration
Total Surrender Value =
Cash Value + a/c Value + Terminal Dividend
Total Death Benefit=
Death Value + a/c Value + Terminal Dividend
PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
top related