Protection Products PAA + PHP

Zvočniki

• Speaker 1 0:03
• Speaker 2 0:38
• Speaker 3 2:02
• Speaker 4 2:40
• Speaker 5 29:08
• Speaker 6 32:14
• Speaker 7 35:53
• Speaker 8 1:00:42

1. 0:03

   Poglavje 1: Hi team, good day. 118s · Speaker 1

   Hi team, good day. Welcome to our FA Masterclass. So today we're going to talk about protection products. Yung paa natin and pH prime. So my name is U .M. Ems Aguilar Geronimo and I am here to teach you regarding our protection products sta…

2. 2:02

   Poglavje 2: So, medium yung investment niya pero high yung protection. 299s · Speaker 3

   So, medium yung investment niya pero high yung protection. Alright? Tapos dito naman sa PEP 5, 7, 10, and 15. Low yung protection, mataas naman yung investment. Okay, sa quadrant 3 naman, we have protection and investment na both na high. A…

3. 7:02

   Poglavje 3: Okay, so, ito halimbawa, yung death benefit, sabi nga natin kanina, it pays the life insurance coverage to the beneficiaries. 301s · Speaker 2

   Okay, so, ito halimbawa, yung death benefit, sabi nga natin kanina, it pays the life insurance coverage to the beneficiaries. So, doon sa beneficiary ni client, doon ito ibibigay. Okay, ano yung composition noon? Life insurance coverage, wh…

4. 12:04

   Poglavje 4: 50%. And on the fourth year, and fifth year onwards, 100 % naman yan. 80s · Speaker 1

   50%. And on the fourth year, and fifth year onwards, 100 % naman yan. So, as long as, the longer na magbabayad si client ng kanyang premium, ayan, 100 % na yung pwedeng maallocate na fund doon sa kanyang premium. So, palakas siya ng pala. H…

5. 13:25

   Poglavje 5: Okay. Yung minimum top -up amount natin is 20 ,000 pesos or US dollars na 500. 61s · Speaker 4

   Okay. Yung minimum top -up amount natin is 20 ,000 pesos or US dollars na 500. And meron din po siyang charge na top -up charge na sinasabi. Okay. Na 3%. Okay, meron din siyang feature, no, si Paana, partial withdrawal. Okay, so, pag meron …

6. 14:27

   Poglavje 6: Okay, so ang minimum na withdrawal naman is 10 ,000. 303s · Speaker 3

   Okay, so ang minimum na withdrawal naman is 10 ,000. And also, you can also, please inform also your client, yung hindi na sila makakareceive ng loyalty bonus kapag yung total withdrawals nila is nag -exceed na dun sa top -ups, yung total t…

7. 19:31

   Poglavje 7: value. So, as you can see, no, premiums are paid, no withdrawals from year 1 to 10. 147s · Speaker 1

   value. So, as you can see, no, premiums are paid, no withdrawals from year 1 to 10. And then, on the 11th year to 28th year, no, continuously nagbabayat si client and wala din yung withdrawal. May additional na 10 % na ibibigay si Pro. Okay…

8. 21:58

   Poglavje 8: So, ngayon naman, pag -usapan natin, sino ba yung mga target market natin for pa? 207s · Speaker 2

   So, ngayon naman, pag -usapan natin, sino ba yung mga target market natin for pa? So, moving up squad, sabi niya. Sino -sino ba yung mga yan? Ito yung profile niyan, team. 23 to 30 years old. Earns about 35 to 60 ,000. Mostly single and a y…

9. 25:26

   Poglavje 9: So, major concern yan, syempre, yung kanyang family's welfare. 221s · Speaker 4

   So, major concern yan, syempre, yung kanyang family's welfare. Sino siya? Ayan. So, sa case study natin is a 47 -year -old male. Married with two kids. Seafarer siya, pero officer level. Tapos yung wife niya, yung nagtitaker. So, pa OFW to.…

10. 29:08

    Poglavje 10: Ayan. Tapos, Next, yung best comprehensive health coverage kasi pwede tayo mag -attach ng maraming riders. 96s · Speaker 5

    Ayan. Tapos, Next, yung best comprehensive health coverage kasi pwede tayo mag -attach ng maraming riders. Critical illness, yung daily hospital income, waiver. Aside from the core riders na meron na tayo. Best family legacy, creating so mu…

11. 30:44

    Poglavje 11: Okay, so ano ba yung mga yan? 90s · Speaker 2

    Okay, so ano ba yung mga yan? Unang -una na ito. Ito yung madalas. Ano ako nung rookie ako? Ito talaga yung madalas kong ma -encounter. Siyempre, pag rookie ka, hindi mo pa ito masyadong alam sagote. Sabi ni client. How long do I have to pa…

12. 32:14

    Poglavje 12: siyempre hindi. 218s · Speaker 6

    siyempre hindi. 45 lang ako eh. Siyempre pa rin mag -save. So, kung mag -save ka, diba? Sabihin mo, where do you want to place your savings? Diba? Siyempre, sabi niya, mag -invest pa din ako kasi mas malaki ang kita ko sa investment kasi il…

13. 35:53

    Poglavje 13: hindi na -explain na tama. 126s · Speaker 7

    hindi na -explain na tama. Okay? So, ito ngayon yung sasabihin mo. Alam niyo po kasi, Mr. Client, no? During the first three years, kaya nga nga sa training natin kanina, di ba? Only a portion of your premiums go to your investment. Kasi mo…

14. 38:00

    Poglavje 14: Okay, so, sabi nga, no, fund value is not guaranteed, pero as projected, yung growth ng funds natin, makakarecover naman po yun in the long run. 62s · Speaker 4

    Okay, so, sabi nga, no, fund value is not guaranteed, pero as projected, yung growth ng funds natin, makakarecover naman po yun in the long run. Use the word bonus when referring to the fund values, especially if the priority of the client …

15. 39:02

    Poglavje 15: Okay? So, ito naman, increase or decrease in premium payment. 300s · Speaker 3

    Okay? So, ito naman, increase or decrease in premium payment. Ayan, tinanong nga kung pwede ba after daw ng few years, laman yung swelde niya, pwede daw ba niya lakyan yung premium? Siyempre, Mr. Client, pwede yung pwede. Yun nga kasi, kaya…

16. 44:02

    Poglavje 16: Meron din siyang hospital income. 93s · Speaker 1

    Meron din siyang hospital income. Core benefit pa lang ito guys. Ito yung hospital income benefit kapag na -admit si client to hospital due to early or late -stage cancer diagnosis. 0 .125 % nung sum assured subject to a maximum of 10 ,000 …

17. 45:35

    Poglavje 17: So, ang waiting period niyan is 90 days from the effectivity date of the benefit or the date of approval of last year and statement of the benefit, whichever is later. 205s · Speaker 4

    So, ang waiting period niyan is 90 days from the effectivity date of the benefit or the date of approval of last year and statement of the benefit, whichever is later. Okay? So, halimbawa, kumuha ng policy si client, no? And then, nagkaroon…

18. 49:01

    Poglavje 18: Ayan. So, ito siya. 160s · Speaker 5

    Ayan. So, ito siya. Early stage. Ayan. Ito. Ayan, sorry na hindi ako pantay mag -highlight. Ayan, so 500 ,000. Tapos ano yung HI benefit niya? 56 ,250. Hindi niya makukuha itong 50 days. Kasi hanggang 45 days lang. So ito siya, 1 to 50 time…

19. 51:41

    Poglavje 19: And also, yung fine value, if there's any. 300s · Speaker 2

    And also, yung fine value, if there's any. Okay, sa measured limits, ayan, kapag minimum, hindi tapos mag -insure ng below minimum na 500 ,000. And then for juvenile, ito yung mga 0 to 17 years old, 3M, yung maximum. For adults, it's 15M. O…

20. 56:41

    Poglavje 20: Diyan na siya lahat. 240s · Speaker 1

    Diyan na siya lahat. Actually, nasa buklet to, no? And nandun din siya sa product primary natin. So, pag select for CI, ito yung additional na coverage, no? For late stage critical illness, heart attack, kidney failure, stroke, and benign b…

21. 1:00:42

    Poglavje 21: Okay. So, Noong year 2021, June 2021, nagkaroon siya ng early stage lang cancer diagnosis, and na -diagnose siya, and then na -confine ng 10 days, so ito yung nakuha niya, 500 ,000, which is half ng 1 million, and then naka -claim din siya ng 12 ,500 na HIV benefit for 10 days. 106s · Speaker 8

    Okay. So, Noong year 2021, June 2021, nagkaroon siya ng early stage lang cancer diagnosis, and na -diagnose siya, and then na -confine ng 10 days, so ito yung nakuha niya, 500 ,000, which is half ng 1 million, and then naka -claim din siya …

22. 1:02:28

    Poglavje 22: Comes November. 241s · Speaker 2

    Comes November. Ayan, noong November 2021, ayun, minalas -malas na talaga si client na late stage na yung kanyang diagnosis for breast cancer. So, bibigyan na yun natin yung natitirang 500 ,000 and then claim ng 56 ,250 for 45 days kasi nak…

23. 1:06:30

    Poglavje 23: to 60, and so on and so forth. 302s · Speaker 8

    to 60, and so on and so forth. Investment fund options, bond, managed, growth, proactive, equity, global market, equity index tracker fund, fund manager, spring for ano natin, yung mga foreign nating mga funds. Pero yung mga ano natin, syem…

24. 1:11:32

    Poglavje 24: ayan, kapag mag -offer kayo syempre ng mga products, as always, no, kailangan nakabase talaga yan sa need ni client. 34s · Speaker 1

    ayan, kapag mag -offer kayo syempre ng mga products, as always, no, kailangan nakabase talaga yan sa need ni client. Okay, so, yung fact finding, very important sya kapag nagka -client meeting tayo para malaman natin kung ano talaga yung ne…