1

Agenda
1. About Cancer 2. Introduction to CancerCare 3. CancerCare Features & Benefits 4. Sample of Case Scenario 5. Underwriting Guidelines 6. Commission Structure 7. Special Incentive
2

Agenda 1

About Cancer

Cancer = Crab ?

The term cancer is derived from Greek word karkinos, which means karkinos, Crab . Crab. The malignant tumour resemble the claws of a crab

Biography of Cancer
The origin of the term cancer is karkinos karkinos Hippocrates Hippocrates (the (the Farther Farther of of Medicine) Medicine) was was the first first person person to to clearly clearly describe describe the the the differences between between benign benign and and malignant malignant differences History showed the first cancer was found between 3000 BC to 1500 BC.

 Approximately 10.9 million people are diagnose with cancer EVERY YEAR 45% of the patients are from ASIA

 LUNG & BREAST cancers are the MOST COMMON of all cancer related death for man and woman respectively Median age for male is 59 whilst female is 53 years old 43,000 cancer cases were registered with the National Cancer Registry in 2003.

Agenda 2

Introduction to CancerCare

A Basic-Level Term that gives you a complete cancer coverage up to age 75 years old

10

CancerCare at a Glance
1. The 1st Takaful Cancer Protection Plan in the world 2. The 1st Takaful Cancer Protection Plan with Funeral Expenses (all causes) in Malaysia 3. It covers 1st Stage of Cancer ie. Carcinoma in-situ (accelerate payment) and Gender Specific Cancer (additional payment) 4. 7 Plans for you to choose with sum covered ranging from RM 25,000 up to RM 500,000 5. Entry Age from 0 to 65 years old 6. Basic-Level Term Plan covers up to age 75 years old 7. A plan that is specially designed to guarantee your peace of mind
11

Agenda 3

CancerCare Features & Benefits

12

Features & Benefits

All Classes Plan Benefits 1. Funeral Expenses 2. Cancer Sum Covered 3. Cancer Specific CIS Benefit 4. Cancer Benefit 5. Gender Specific Cancer (GSC) Benefit 6. Surplus Sharing 25,000 50,000 75,000 RM10,000 100,000 200,000 300,000 500,000 1 2 3 4 5 6 7

25% Acceleration from Cancer Sum Covered (max. of RM50,000)

100% of Cancer Sum Covered (75% if CIS Claim is made) 100% of Cancer Sum Covered (75% if CIS Claim is made) Plus Additional 25% of Cancer Sum Covered 50% : 50%

13

Benefit (1)
Funeral Expenses
Pays RM10,000 upon death (all causes) Suicide Clause; Death Benefits are payable if the certificate has been in force for at least 12 months (1 year)

14

Benefit (2)
Cancer Sum Covered
Pays 100% of Sum Covered or Balance of Sum Covered after deducting claims paid upon diagnosis of carcinoma in situ.
All Classes Plan Benefits Cancer Sum Covered 25,000 50,000 75,000 100,000 200,000 300,000 500,000 1 2 3 4 5 6 7

15

Benefit (3)
Cancer Specific CIS Benefit
Pays 25% Acceleration from Cancer Sum Covered (max. of RM50,000) Carcinoma In Situ (CIS);
Male CIS Colon (excluding rectum) Lung Cancer Prostate Cancer Small Intestine Nasopharyngeal Female CIS Breast Cervix Uterus Ovarian Vagina

16

Benefit (4)
Gender Specific Cancer Benefit
Pays 125% of Cancer Sum Covered (100% if CIS Claim is made) For each Person Covered, the Cancer Benefit shall be payable no more than one time per certificate. The Certificate shall terminate upon payment by the Takaful Operator of the Cancer Benefit.

17

Benefit (5)
Surplus Sharing
The surplus from PRIA (if any) will be shared between the participant and the Takaful operator The sharing ratio is 50:50

18

Table of Annual Contribution

Product Name: CancerCare
AGE

Plan Code: CCB

PLAN 4 M
213 286 662 1,380 2,983

PLAN 1 M F
157 196 336 534 1,040

PLAN 2 M
132

PLAN 3 M
173 234 528 1,091 2,330

PLAN 5 M
374 495 1,195 2,538 5,597

PLAN 6 M
535 704 1,728 3,697 8,210

PLAN 7 M
857 1,122 2,794 6,013 13,437

F
271

F
386 468 809 1,261 2,559

F
500 604 1,046 1,624 3,318

F
957 1,146 1,993 3,078 6,356

F
1,414 1,689 2,939 4,531 9,393

F
2,329 2,775 4,833 7,439 15,467

20 30 40 50 60

92 129 262 511 1,023

181 332 RM25,000 395 801 1,676 572 897 1,780

All contribution in Ringgit Malaysia (RM) Minimum Modal Contribution: RM50

19

Agenda 4

Sample Case Scenario

20

Sample of Case Scenario (1)

Plan 4 Sum Coverage: RM100,000 A person covered was diagnosed with Carcinoma in situ then after few years contracted with gender specific cancer

CIS Claim

Gender Specific Cancer Diagnosed

RM25,000
25%

RM75,000
75%

RM25,000
Additional 25%

25% CIS claim is made. A balance of 75% of Sum Covered is payable upon diagnosis of Cancer Additional 25% is payable if the diagnosed cancer is GSC Total Payment: RM 125,000
21

Sample of Case Scenario (2)

Plan 4 Sum Coverage: RM100,000 A person covered was diagnosed with Gender Specific Cancer

Gender Specific Cancer Diagnosed

RM100,000
100%

RM25,000
Additional 25%

22

No CIS Claim is made 100% of Sum Covered is payable upon diagnosis of Cancer. Additional 25% is payable if the diagnosed cancer is GSC. Total Payment : RM125,000

Sample of Case Scenario (3)

Plan 4 Sum Coverage: RM100,000 Scenario 3 A person covered was diagnosed with Carcinoma in situ and never contracted with any cancer until maturity

CIS Claim

No Cancer Diagnosed

RM25,000
25%

RM75,000

RM25,000

25% CIS claim is made. No normal cancer or GSC diagnosed Total Payment: RM25,000

23

Sample of Case Scenario (4)

Plan 4 Sum Coverage: RM100,000 A person covered was diagnosed with Carcinoma in situ and later contracted with non- gender specific cancer CIS Claim Non - Gender Specific Cancer Diagnosed

RM25,000
25%

RM75,000
75%

25% CIS Claim is made A balance of 75% of Sum Covered is payable upon diagnosis of cancer Total Payment : RM100,000

24

Sample of Case Scenario (5)

Plan 4 Sum Coverage: RM100,000 A person covered was diagnosed with Carcinoma in situ and died CIS Claim Death due to all causes

RM25,000
25%

RM10,000

25% CIS claim is made. This scenario shall apply for death due to Cancer but no Cancer Benefit Claim is made prior to death. Total Payment: RM35,000

25

Agenda 5

Underwriting Guidelines

26

Underwriting
Entry Age
Age definition is age last birthday
CANCERCARE (CCB) Person Covered Applicant 0 18 Entry Age Min. Max 65 No Limit

27

Underwriting
Non-Medical Limit
CANCERCARE Age 0 15 16 35 36 45 46 50 51 55 56 - 69 RM200,000 RM450,000 RM300,000 RM150,000 RM100,000 RM10,000 Non-Medical Limit

28

Agenda 6

Commission Structure

29

Agents Commission

Type of Commission Basic Overriding Production Bonus Persistency Bonus Total

1st Year 25% 15% 10% 50%

2nd Year 25% 15% 5% 45%

3rd Year 20% 6% 5% 31%

4th Year 15% 5% 20%

5th Year 15% 15%

6th Year 10% 10%

Total 110% 41% 10% 10% 171%

30

Production Bonus
Personal Production
CANCERCARE FYP (RM)

Production Bonus
(%)

0 4,999 5,000 9,999 10,000 24,999 25,000 49,999 50,000 74,999 75,000 & Above

0% 2.00% 3.00% 5.00% 7.50% 10.00%

31

Agenda 7

Special Incentive

32

Special Incentive

% 0 20

E R C

T I D

Contest Period: 16 JUNE 15 AUGUST 2008

Note: Please refer to the memo for details

33

15th Floor, Menara MAA, 12, Jalan Dewan Bahasa, 50460 Kuala Lumpur. Tel: 03-21468000 Fax: 0321430033
34

Website: www.maatakaful.com.my