PowerLink Male Package Training

Learning & Development Department, Sales & Distribution Division (Life)

Disclaimer: The slides are for training purpose only.

Course Objectives

To equip participants with the selling idea and product features of PowerLink Male Package. PowerLink

Course Overview

1. 2.

Male Package Sales Idea Product Packaging & Features

House Rules
1. Be on time
2. Turn your hand phone to silent mode 3. Have active participation and be open-minded 4. Do not criticize and discourage other agents who are selling different products from you / your agency 5. Do not bad-mouth other agents / agencies 6. Do not send representative to attend training or sign attendance list on behalf of other agent(s) 7. Respect the trainer and the class
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Sales Idea

There is always a Women behind every

Successful man.

As A Breadwinner, An Ideal Plan Is Essential For You! !

Let me Introduce to you an Ideal

Plan for Every Man.

By saving RM200 per month RM200 We will provide you with the following benefits:

An Essential Plan For Man RM200 / month ()

1. Protection against Man Specific Illnesses 2. CarcinomaInSitu Benefit 3. 36 Critical Illness 36 RM100,000 RM25,000 RM100,000

4. Waiver of Premium
5. Pre-mature death/TPD / Total Value = RM300,000 ! = RM300,000!

till age 99 99
RM100,000

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Product Features

Overview

1. Man Guard (UMGR) 2. HealthCover Enhancer (UHCER)

3. HealthCover Plus (UHCPR)

4. PayorCover (UPCR)

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ManGuard (UMGR)

Man Guard ( UMGR)

Product At A Glance !
1. Guaranteed renewable (UDR) to PLK. PLK) 2. Specially designed for men and enhance existing critical illnesses based on mans needs. 3. Target male customers between age 30 to 40 who wish to enhance their protection. 3040

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Man Guard (UMGR)

Product At A Glance !
4. Protect against 9 male specific cancers and male specific illnesses. 5. Payout can be used to cushion high medical cost incurred. 6. Early medical treatment to prevent complicated treatment.

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Man Related Cancer

Male Related Cancer

1. Testicular Cancer
2. Colon Cancer 3. Lung Cancer 4. Liver Cancer 5. Prostate Cancer 6. Penis Cancer

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Man Related Cancer 1. Testicular Cancer

Testicular cancer forms in a mans testicles, the two eggshaped glands that produce sperm and testosterone.

Testicular cancer

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Man Related Cancer 2. Prostate Cancer

Prostate cancer
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Man Related Cancer 2. Prostate Cancer

A normal shape of prostate gland is the size of golf ball that is located below urinary bladder. Prostate gland produces semen liquid that carries sperm. The cancer begin when the mutate cells in the prostate dividing and growing without control.

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Man Related Cancer 2. Prostate Cancer

It can spread into other parts of the body and kill normal tissue.

In Malaysia, cancer of prostate occupies in sixth position in the chart of ten most frequent cancers in males. 10

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Man Related Cancer 3. Colon Cancer

Colon cancer
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Man Related Cancer 3. Colon Cancer

It is commonly known as bowel cancer, is a cancer caused by uncontrolled cell growth, in the colon, rectum, or vermiform appendix.

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Man Related Cancer 4. Lung Cancer

It is a disease characterized by uncontrolled cell growth in tissues of the lung.

Healthy lung

Lung with cancer

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Man Related Cancer 4. Lung Cancer

Lung cancer

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Man Related Cancer 5. Liver Cancer

Liver cancers are malignant tumors that grow on the surface or inside the liver.

Liver
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Man Related Cancer 5. Liver Cancer

Liver cancer

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Man Related Cancer 6. Penis Cancer

It is a malignant growth found on the skin or in the tissues of the penis. Penis

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Man Related Cancer 6. Penis Cancer

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Man Related Illness 1. Severe Gout

Refers to widespread joint destruction of the following joint areas: feet, ankles, knees, wrists and elbow.

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Man Related Illness 1. Severe Gout

Only severe cases of gout are covered, the condition should be: (a) Life Assured being either : i. Totally and Permanently Disabled so that the Life Assured cannot engage in any occupation, business or activity which pays an income; or

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Man Related Illness 1. Severe Gout

Only severe cases of gout are covered, the condition should be: (a) Life Assured being either : ii. Is permanently disabled and has been confined to a home, hospital or other institution requiring constant care and medical attention for at least 6 consecutive months 6

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Man Related Illness 1. Severe Gout

Only severe cases of gout are covered, the condition should be:

(b)There is demonstration of intracellular monosodium urate crystals and the exclusion of infection or other crystal types in the synovial fluid (SF) from the inflamed joint.

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Man Related Illness 2. Severe Kidney Stone

A kidney stone is a hard, crystalline mineral material formed within the kidney. The stones form in the urine collecting area of the kidney.
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Man Related Illness 2. Severe Kidney Stone

The diagnosis must meet all the following criteria: i. Imaging tests that show presence of kidney stones and hydronephrosis ii. Loss of renal function: elevated Blood Urea Nitrogen (BUN), Serum Creatinine and reduced Glomerular Filtration Rate (GFR) (<30ml/min) BUN GFR (<30ml/min)
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Man Related Illness 3. Carcinoma-in-situ

It is an early stage of cancer which has not yet resulted in invasion of normal tissue. Carcinoma-in-situ of the biliary system and in the presence of HIV is also specially excluded.

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Compensation on Man Guard (UMGR)

Upon diagnosis of a Male Related Illnesses, we will pay out 30% of the Rider Insured Amount 30 % The balance of the Rider Insured Amount will only paid out upon the subsequent diagnosis of a Male Related Cancer.

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Exclusions for UMGR:

a) Any Male Related Cancer or Male Related Illness, which first manifests itself prior to the 60th day following the Issue Date or Reinstatement Date of this Supplementary Contract, whichever is later; or 60, b) Any Male Related Cancer or Male Related Illness which existed at the Issue Date or Reinstatement Date of this Supplementary Contract, whichever is later; or , c) Any Male Related Cancer or Male Related Illness which is due to self-inflicted injuries while sane or insane.
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Underwriting on UMGR
Coverage term: Min: 1 year :

Max: Up to Life Assured attaining age of 81 years

:81

Entry age:

1.Life assured - Min 18 years old 18 - Max 50 years old 50

2.Applicant - Min 18 years old 18 - Max 100 years old 100

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Underwriting on UMGR
Sum Assured

Min : RM10,000
Max : RM150,000 or 5XBSA 5, whichever is lower, *Subject to RM 1 mil per life (all CIs)

RM1

Waiting Period:

60 days following the issue date or reinstatement date

60

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Underwriting on UMGR
Application - New business: Existing application form will be Documents used. - Add/delete riders: Request for Change Form & Health Questionnaire /&

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HealthCover Enhancer (UHCER)

HealthCover Enhancer (UHCER)

An optional rider attachable to HealthCover (UHCR) and HealthCover Plus (UHCPR), which offers Carcinoma-in-sit coverage. UHCRUHCPR,

Upon diagnosis of Carcinoma-in-situ, Company will pay the: ,

i. Lower of rider insured amount, or ,

ii. RM40,000 per life. RM40,000,

It is an accelerated benefits on UHCR or UHCPR. UHCRUHCPR
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Carcinoma-in-situ

It is an early stage of cancer which has not yet resulted in invasion of normal tissue.

Carcinoma-in-situ is an early cancer tumor invade only the normal tissue and yet to penetrate beyond the basement membrane.

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Carcinoma-in-situ

The following conditions are specially excluded:

i. Clinical diagnosis of the Cervical Intraepithelial Neoplasia (CIN) classification which reports CIN I, CIN II, and CIN III (severe dysplasia without carcinoma-in-situ) does not meet with the required definition. (CIN) CIN1,CINII,CINIII (), ii. Carcinoma-in-situ of the biliary system

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Example :
Scenario 1:

PowerLink (PLK) + HealthCover (UHCR) + Health Cover Enhancer (UHCER)

Before Claims
PLK UHCR UHCER RM 100,000 RM 100,000 RM 25,000 PLK UHCR

After Claims RM 75,000 RM 75,000 Terminated

UHCER

Upon payment of UHCER, the BSA for PLK and Rider SA for UHCR will be reduced and thereafter UHCER will terminate.

UHCERPLK UHCR UHCER

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Example :
Scenario 2:

PowerLink (PLK) + HealthCover Plus (UHCPR) + Health Cover Enhancer (UHCER)

Before Claims PLK UHCPR UHCER RM 100,000 RM 100,000 RM 25,000 PLK

After Claims
RM 100,000 RM 75,000 Terminated

UHCPR UHCER

Upon payment of UHCER, the sum assured for UHCPR will be reduced and thereafter UHCER will terminate. UHCERUHCPR

UHCER
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Exclusions for UHCER:

a) Any Carcinoma-in-situ which existed at the Issue Date or Reinstatement Date of this Supplementary Contract, whichever is later; or
,;

b) All Carcinoma-in-situ in the presence of HIV.

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Underwriting on UHCER
Coverage term: Min: 1 year :

Max: On the policy anniversary the life assured attaining age 100 nearest birthday
:,100 1.Life assured 2.Applicant - Min 18 years old - Min 18 years old 18 18

Entry age:

- Max 60 years old 60

- Max 100 years old 100

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Underwriting on UHCER
Waiting Period:

120 days form the issue Date or Reinstatement Date of the supplementary contract, whichever is later.
120

Sum Assured

Min : RM2,500 Max: 25% of UHCR or UHCPR sum assured : 25%UHCR UHCPR *Subject to maximum RM 40,000 per life

RM40,000

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Underwriting on UHCER
Application Documents

- New business: Existing application form will be used. :

- Add/delete riders: Request for Change Form & Health Questionnaire /:&

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HealthCover Plus (UHCPR)

Benefits
1. Provides a lump sum benefit equivalent to the rider sum assured (subject to max. of RM1,000,000) upon diagnosis of any of the 36 Critical Illnesses of the life assured. 36 RM1,000,000
2. Upon claim on UHCPR, rider will be terminated.

Benefits 3. Upon claims, the basic policy shall continue to be in force. Sum assured of basic plan will not be affected.

Benefits
Plan: PLK : RM100,000 UHCPR: RM100,000

Payment of RM 100,000 from UHCPR

1. Diagnose of CI

Then, rider terminates

(Provided that the life assured survives more than 30 days after being diagnosed) (, 30 )

Payment of RM 100,000 from PLK + Fund Value Then, policy terminates 2. Death

Exclusions for CI Benefit :

a. Any CI, other than Cancer and Heart Related Diseases, which
first manifests itself prior to the thirtieth (30th) day following the issue date or any reinstatement date; 30

b. Cancer and Heart Related Diseases which first manifest itself prior to the 60 days following the issue date or any reinstatement date; 60

Exclusions for CI Benefit :

Note :

Heart related diseases are heart attack, coronary artery bypass surgery, other serious coronary artery disease and angioplasty and invasive treatments for major coronary artery disease

Exclusions for CI Benefit :

c. Any CI which existed at the date of issue or date of reinstatement;

d. Any CI which is due to self-inflicted injuries while sane or insane.

Survival Period No claims will be payable if the Life Assured dies

within 30 days from the date of diagnosis. 30

Underwriting
Entry Age : Minimum Entry Age Maximum Entry Age

Life Assured Maximum Expiry Age 30 days

60 year-old

Life Assured attaining100 year-old

Underwriting
Sum Assured : Minimum : RM 10,000 Maximum : 5 x Basic Sum Assured (subject to a max. of RM1 million per life 5x (RM1mil) Coverage Term : Min Term : 10 years Max Term : up to life assured attaining age 100 100

Underwriting
Cost Of Insurance : The COI is based on the riders SA, gender, attained age, smoking status and class rating of the life assured.

Payor Cover (UPCR)

Features
Unit deducting rider.
Waiver of future premium upon diagnosis of Critical Illness of the life assured.

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Benefits
Upon the life assured being diagnosed of any of the 36 CI, the Company shall contribute all future premium (on behalf of the policy holder), until maturity/ policy termination. 36 /

The premium will be allocated as 100% top-up. No commission shall be payable. 100%

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Benefits
The first contribution shall commence on the next premium due date immediately following the date of diagnosis of CI. No waiver of COI for the basic plan and other UDRs attached to the basic plan (except CI UDRs) after the diagnosis of CI.

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Exclusions for CI Benefit :

a. Any CI, other than Cancer and Heart Related Diseases, which
first manifests itself prior to the thirtieth (30th) day following the issue date or any reinstatement date; 30 b. Cancer and Heart Related Diseases which first manifest itself prior to the 60 days following the issue date or any reinstatement date; 60

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Exclusions for CI Benefit :

Note :

Heart related diseases are heart attack, coronary artery bypass surgery, other serious coronary artery disease and angioplasty and invasive treatments for major coronary artery disease

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Exclusions for CI Benefit :

c. Any CI which existed at the date of issue or date of reinstatement; d. Any CI which is due to self-inflicted injuries while sane or insane.

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Underwriting
Entry Age : Minimum Entry Age Life Assured Sum Assured : Min Sum Assured : RM1,200 18 year old Maximum Entry Age 60 year-old

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Underwriting
Coverage Term : Min Term Max Term : 10 years : The contribution ceases at the expiry of the basic policy/ lapse/ surrender or death of life assured, whichever is earlier.

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Underwriting
Premium Rate/COI /: The COI is based on the riders SA, gender, attained age, smoking status and class rating (include loading) of the life assured. Charge in advance every month by way of cancellation of units on the basic policys monthly due date.

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Thank you

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