Underwriting Kit

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Hello,

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Tim Cruz Lian,

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especially for those rookies.

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So I'm UM Vlad and for today I was

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tasked to share with you about underlighting or

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about sales skip.

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So ano ba yung meron sa file na to and bakit ba napaka -importante

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na we have the access or lagi tayong lagi nating...

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Lagi tayo may updated copy ng file na ito.

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So I'll be sharing my screen and isa -isahin

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natin ano ba yung meron sa sales kit na ito.

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So sa district natin,

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sa Islia district,

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meron tayong file na ito.

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It's a PDF file na sinesend sa loop natin.

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So yung pinaka -updated as of today is dated July 2025.

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And nagka -update yan from time to time or

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As needed.

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So, ano yung makikita natin dito sa file na ito?

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Sige,

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i -check natin yung laman ng file.

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So, ito no,

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table of contents.

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Ito yung laman ng file natin.

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So, magagamit na rin natin kasi ito actually sa mga presentation.

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So,

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meron na dyan about the company.

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Ito yung clients natin is looking for education

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funding.

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May tuition fee table ka na dyan.

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We have a summary of the products and mga funds kung

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saan ini -invest yung mga BUL

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products si Blue Light UK.

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And of course,

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yung napaka -importante,

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ano ba yung mga kailangan?

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Pagka may mga new business tayo,

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may mga bagong submission.

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We also have a page about sa claim.

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And ano ba magbabayad yung ating mga kliyente using

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the Rulife UK Premium Payment Facilities

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and PR.

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Paganda rito,

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naglagay na rin ang mga sample spills when you are doing your...

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mga approaches.

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So dito,

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sabi ko,

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itong file na ito,

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pwede mo nang magamit regarding your presentation.

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Kasi may mga information na dito about the company.

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Sino ba si Prudential regarding sa performance

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niya sa Asia Market?

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So si Prudential yung nag -filear ng BUL.

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Sino yung ating fund manager?

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So we have the East Wing Investment and Atram.

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And of course, sa mga...

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light apps,

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diba, about kay TrueLife UK or about kay Prudential.

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We also have slides here,

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no, about life insurance,

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discussing,

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no, life insurance is not a pre -need company.

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Kasi for sure,

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no, meron tayong mga ma -encounter,

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diba, na iyaas,

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no, baka kagaya lang din yan,

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mga pre -need company na nag -close before.

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So at least tayo,

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as financial advisor or as a rookie,

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We can differentiate ano ba yung life insurance company and

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ano ba yung pre -need company.

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So tayo as life insurance company,

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we are regulated under insurance commission.

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So marami na yung mga na -establish nila ng mga regulation

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to make sure na hindi magsasara yung mga

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life insurance companies.

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Pwede natin itong ipakita sa ating mga clients

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during our presentations.

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So ito naman yung mga details pa

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about Prudential as a whole.

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So sabi ko kang ina,

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itong file na ito meron din siyang tuition fee table.

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So let's say you are offering an educational fund.

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So makikita mo dito,

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how much ba yung kailangan ng anak

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nila?

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Pagdating yung time na mag -aaral na sila ng college.

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Kasi usually,

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ang may encounter natin,

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May encounter natin during the approach,

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sabihin ng client natin,

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kukuha ko sa 'yo for education funding.

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So wala tayong masyadong idea,

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magkano ba dapat yung kailangan.

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So kaya ang ending,

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nagkakasya na lang dun sa P3 ,000 per month.

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Ang thinking nila,

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they have enough funds for the education funding.

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Kaya napaka -importante na gagamitin natin itong tuition fee table

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na ito.

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So paano ba siya gagamitin?

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So let's say,

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ang napili ng ating client,

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piliin na natin yung pinakamataas.

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Kasi para sure tayo na kahit saan piliin ng mga anak nila

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na mag -aral,

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meron tayong enough.

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fund para sa tuition penal.

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So pinakamatas dito is the De La Salle University.

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So let's say yung client mo is zero age pa lang ngayon.

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So meron pa siyang 19 years para pag -ipunan yung pang -college

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niya. So lumalabas dito.

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If you look at the table,

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kailangan niya ng 4 ,656 ,000.

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So at least yung client natin merong idea kung magkano ba

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yung kailangan niyang pag -ipunan.

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So at least ang ibibigay natin na plan sa kanya is

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mag -accumulate ng 4 ,600 ,000 in terms

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of the fund value.

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So ganoon natin siya gagamitan.

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So bigay pa tayong isang example.

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Sa University of Santo Tomas naman,

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yung anak niya is 45 years old.

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So meron pa siyang 14 years.

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So kung titignan natin dito sa table,

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kailangan yan ng 2 ,074 ,000.

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So actually team,

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ito pagka nilagay natin sa pruan,

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automatic naman na siyang nagko -compute.

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Pero biglaan,

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biglaan nagtanong yung prospect mo,

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makaano bang kailangan?

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At least at a glance,

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makikita natin siya dito sa ating tuition fee table.

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Sa mga susunod naman,

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ito, mga products under QLife UK.

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So ano ba yung mga products natin under protection,

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protection plus investment,

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and ano ba yung more on investment.

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So nakalagay na rin dito,

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in summary,

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regarding premium allocation,

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magkano ba yung minimum?

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annual premium and the maximum annual premium per

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product category.

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So makikita natin siya dito in summary.

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How much ba yung SA na pwede natin maibigay?

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Let's say dun sa age range na lang.

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So, makikita natin siya dito in summary.

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Pero ito,

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itong mga details nito team is madi -discuss during

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the product framing.

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So,

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at least dito,

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kasi minsan parang ihirap e -memorize.

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So, ito,

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i -check mo na lang.

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Kung magtitingin ka pa dun sa product primer,

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baka mas matagalan ka pa.

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So, dito.

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Pag in -open mo itong ating underwriting sales kit na ito,

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at a glance,

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makikita mo na agad.

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So magkano ba ang premium allocation?

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Ano ba yung percentages ng premium allocation ng ating pa -approduct?

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Makikita mo dyan na on the third year,

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50%.

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Then on the fourth year and onwards,

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100%.

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So masasagot mo na agad -agad yung mga...

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question ng client.

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So dito rin,

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mayroon ditong summary,

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ano ba yung issue age ng mga certain riders na

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i -attach natin.

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Like for example,

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ayan yung waiver of premium and TPD

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o WPTPD.

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So alam natin,

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pwede lang siyang i -attach pagkayang ating life

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insured is 18 to 59 years

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old.

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Yung ating policy owner is from 18 to 59 years

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old.

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And ang kanyang termination age is hanggang age 60.

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So again,

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yung ating mga riders,

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meron siyang hanggang kailan lang siya pwede.

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So in summary,

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makikita natin siya dito sa file na ito.

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So regarding PA,

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makikita rin natin.

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And then of course,

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magkano ba yung limit ng bawat...

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Critical illness.

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Makikita rin natin siya dito sa file na ito.

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Ang hindi na nabanggit ko about minimum and maximum,

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ito naman is for the elite product.

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For sure,

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meron din tayo ma -encounter,

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magtatanong how much pa yung insurance charges.

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So dito, meron na rin tayong table na pwedeng

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magamit to compute for the insurance charges.

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So give lang ako ng example kung paano magagamitin.

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itong table na to.

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So let's say yung client mo is 40 years old.

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Meron siyang 1 ,000 ,000

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na prumil.

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So sabi diyan,

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insurance charges is per 1 ,000.

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So magkano ba yung,

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ilang 1 ,000 ba yung 1 ,000?

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So di ba 1 ,000 din.

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So 1 ,000 multiplied by 2 .56,

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that is 2 ,560.

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Ibig sabihin,

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2 ,560 siya.

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per year.

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So yun yung insurance charges.

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Makikita rin natin habang tumata,

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tumatanda yung client natin,

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lumalaki yung insurance charges.

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So dito natin pwedeng makompute.

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Sa PIA naman,

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ito yung table.

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So meron na rin tayo dito yung minimum and minimum

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premium limits when it comes sa mga core benefits.

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From time to time team,

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ito is pwedeng mabago.

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Kaya nga dapat updated yung file na meron tayo.

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Pero most of the time,

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ito yung mga makikita natin.

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ating sales and underwriting kit.

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So mayroon din tayo dito about sa

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mga funds na available kay Prulife UK.

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Pero mas maganda team para mas updated,

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pwede natin kasi siyang makita sa Prulife UK website.

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Meron dito tayo na portion kung saan makikita natin

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yung funds list and yung mga funds report na pwede natin

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ma -share with our

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So i -check natin ano ba yung mga kailangan when it comes to

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new business and underwriting.

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Nandito na siya lahat teammates.

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Unang -una,

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napaka -importante sa application

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natin is accurate yung occupation.

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Kasi occupation nagmamatter siya.

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dun sa approval ng ating new business,

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sa approval ng policy.

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So meron na tayo dito napakahaba na sample.

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So ang gagawin mo lang is isi -check ano ba yung occupation description

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and anong industry yung client mo.

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So sabihin natin yung client mo is nasa healthcare and social

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assistant working as cashier.

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Ayan,

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pwede.

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Ayan,

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mga computer graphic assistant.

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So ano mo lang team,

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i -check mo lang kung ano bang occupation description

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yung clients mo na encode mo sa pruan.

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So medyo marami dito team kasi inisa -isa na.

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So maganda yun na sobrang specific na pagdating sa

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occupation description.

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So meron din dito na ano ba yung

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requirements?

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Ano ba yung requirements?

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Ito yung mga products or ito yung mga senaryo.

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Nakalagay dyan,

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for PIA and True Mill sa application form,

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kailangan ng personal financial statement or makikita

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natin nakalagay PFS,

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Agent Confidential Information or the ECI.

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Makikita rin natin minsan ang nakalagay is Agent Confidential Report

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or ACR.

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Pareho lang yung teammates.

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Ayan.

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So, ito yung mga conditions.

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So,

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i -check lang din natin ano ba yung requirements.

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So, maganda dito.

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Nandyan na siya lahat.

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So, ano ba yung mga forms na kailangan isubmit?

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Maganda kasi dito,

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team, dahil crew 1 na.

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So,

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lahat ng mga forms na yan is nasa crew 1 natin.

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But just in case you need to submit a manual application due

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to some circumstances.

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So,

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at least you have an idea or pwede mong macheck dito anong

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types of form yung isasubmit mo.

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Minsan din,

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ang question is,

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ano ba yung valid ID na ina -accept ni Prue?

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So, nandito na lahat din.

12:56

S… Speaker 1 (Underwriting Kit)

Yung mga acceptable na valid ID ng ating

13:01

S… Speaker 1 (Underwriting Kit)

mga policy owner and life insured.

13:04

S… Speaker 1 (Underwriting Kit)

So, yung i -upload natin sa Prue 1.

13:07

S… Speaker 1 (Underwriting Kit)

So, yung mga IDs nila.

13:09

S… Speaker 1 (Underwriting Kit)

So, siguro naman nasa dami nung nandyan sa listahan.

13:12

S… Speaker 1 (Underwriting Kit)

Meron at meron yung ating mga clients.

13:16

S… Speaker 1 (Underwriting Kit)

So,

13:17

S… Speaker 1 (Underwriting Kit)

may ano din dito,

13:17

S… Speaker 1 (Underwriting Kit)

sino ba yung?

13:19

S… Speaker 1 (Underwriting Kit)

Allowable beneficiary.

13:21

S… Speaker 1 (Underwriting Kit)

Pwede bang maging beneficiary yung pamangkin,

13:24

S… Speaker 1 (Underwriting Kit)

yung kapatid,

13:25

S… Speaker 1 (Underwriting Kit)

parents,

13:25

S… Speaker 1 (Underwriting Kit)

lolo, and lola?

13:27

S… Speaker 1 (Underwriting Kit)

So iniisa -isa na din dyan.

13:29

S… Speaker 1 (Underwriting Kit)

And ano yung requirements?

13:31

S… Speaker 1 (Underwriting Kit)

Pagka si lolo at lola ang kanyang

13:35

S… Speaker 1 (Underwriting Kit)

beneficiary,

13:36

S… Speaker 1 (Underwriting Kit)

ano yung requirements na kailangan isubmit?

13:39

S… Speaker 1 (Underwriting Kit)

So makikita natin dito sa table na ito.

13:43

S… Speaker 1 (Underwriting Kit)

And team,

13:44

S… Speaker 1 (Underwriting Kit)

paminsan -minsan yung ating application,

13:47

S… Speaker 1 (Underwriting Kit)

nag -order evaluation,

13:49

S… Speaker 1 (Underwriting Kit)

hindi na -approve kagad.

13:51

S… Speaker 1 (Underwriting Kit)

And makakareceive tayo ng email from the underlying thing.

13:54

S… Speaker 1 (Underwriting Kit)

Sabi,

13:55

S… Speaker 1 (Underwriting Kit)

merong pending requirements or outstanding requirements.

14:00

S… Speaker 1 (Underwriting Kit)

Pwede rin natin siyang i -download via PRISM

14:04

S… Speaker 1 (Underwriting Kit)

natin.

14:04

S… Speaker 1 (Underwriting Kit)

Pero pag dinownload mo siya sa PRISM,

14:07

S… Speaker 1 (Underwriting Kit)

ito yung makikita mo,

14:08

S… Speaker 1 (Underwriting Kit)

puro acronym.

14:10

S… Speaker 1 (Underwriting Kit)

Sabi mo,

14:11

S… Speaker 1 (Underwriting Kit)

ano ba yung ibig sabihin ng mga acronym na yan?

14:13

S… Speaker 1 (Underwriting Kit)

So dito, ito check mo.

14:15

S… Speaker 1 (Underwriting Kit)

Nakalagay doon is kailangan daw ng AR.

14:19

S… Speaker 1 (Underwriting Kit)

Agents reports pala ibig sabihin ni underwriting doon.

14:23

S… Speaker 1 (Underwriting Kit)

Kailangan magpa -medical.

14:26

S… Speaker 1 (Underwriting Kit)

Nakalagay sa medical,

14:27

S… Speaker 1 (Underwriting Kit)

kailangan ng VEX.

14:29

S… Speaker 1 (Underwriting Kit)

So ano ba yung VEX na yan?

14:30

S… Speaker 1 (Underwriting Kit)

Ibig sabihin,

14:31

S… Speaker 1 (Underwriting Kit)

blood exam.

14:32

S… Speaker 1 (Underwriting Kit)

Kailangan daw ng CREA.

14:36

S… Speaker 1 (Underwriting Kit)

So creatinine,

14:37

S… Speaker 1 (Underwriting Kit)

yung kailangan test na gawin during the medical.

14:42

S… Speaker 1 (Underwriting Kit)

So nandyan na sila lahat.

14:44

S… Speaker 1 (Underwriting Kit)

So ito check mo na lang kasi yung email ni Underlighting sabang

14:49

S… Speaker 1 (Underwriting Kit)

abbreviated.

14:50

S… Speaker 1 (Underwriting Kit)

So it's for you to check kung ano ba yung requirements bago mo

14:54

S… Speaker 1 (Underwriting Kit)

siya i -relate to your client.

14:57

S… Speaker 1 (Underwriting Kit)

So baka naman teammates,

15:00

S… Speaker 1 (Underwriting Kit)

Saka pino -reward mo kay client.

15:01

S… Speaker 1 (Underwriting Kit)

Sa client, kailangan mo daw ng treya.

15:03

S… Speaker 1 (Underwriting Kit)

Kailangan mo daw ng vex.

15:06

S… Speaker 1 (Underwriting Kit)

So sa mga client,

15:08

S… Speaker 1 (Underwriting Kit)

ano ba gagawin ko doon?

15:09

S… Speaker 1 (Underwriting Kit)

So pagka na -relay mo ito with a client,

15:13

S… Speaker 1 (Underwriting Kit)

it's very important na nalagay mo na ano ba yung kailangan.

15:17

S… Speaker 1 (Underwriting Kit)

Sobrang understandable sa client perspective.

15:22

S… Speaker 1 (Underwriting Kit)

Ito pa yung mga other acronym na kailangan mo.

15:26

S… Speaker 1 (Underwriting Kit)

Sabi sa 'yo,

15:27

S… Speaker 1 (Underwriting Kit)

kailangan daw ng QP with SOR.

15:30

S… Speaker 1 (Underwriting Kit)

Ano yung SOR?

15:32

S… Speaker 1 (Underwriting Kit)

Summary of Ratings.

15:33

S… Speaker 1 (Underwriting Kit)

So nasa tulong page po kasi yun ng ating QP.

15:36

S… Speaker 1 (Underwriting Kit)

And may sinesend din sa email

15:40

S… Speaker 1 (Underwriting Kit)

natin ano ba yung requirements for the SOR.

15:44

S… Speaker 1 (Underwriting Kit)

Ayan, UTC daw sa ultrasound.

15:46

S… Speaker 1 (Underwriting Kit)

Mga ganyan.

15:47

S… Speaker 1 (Underwriting Kit)

And yun nga,

15:49

S… Speaker 1 (Underwriting Kit)

may outrack.

15:51

S… Speaker 1 (Underwriting Kit)

Kasi unfortunately ngayon,

15:54

S… Speaker 1 (Underwriting Kit)

Rated QP is not yet available sa lahat ng products kay

15:58

S… Speaker 1 (Underwriting Kit)

Pro -1.

15:59

S… Speaker 1 (Underwriting Kit)

So nag -outrack yung submission mo kasi

16:03

S… Speaker 1 (Underwriting Kit)

rated due to occupation.

16:05

S… Speaker 1 (Underwriting Kit)

Sabi doon sa rating,

16:07

S… Speaker 1 (Underwriting Kit)

kailangan daw a table D.

16:10

S… Speaker 1 (Underwriting Kit)

So sa Pro -1 kasi wala yung table D.

16:13

S… Speaker 1 (Underwriting Kit)

So i -coats mo siya.

16:15

S… Speaker 1 (Underwriting Kit)

So sa mga hindi familiar sa e -codes,

16:17

S… Speaker 1 (Underwriting Kit)

it's an application,

16:19

S… Speaker 1 (Underwriting Kit)

it's a tool kung saan nag -generate tayo ng proposal to

16:23

S… Speaker 1 (Underwriting Kit)

our client.

16:23

S… Speaker 1 (Underwriting Kit)

And may option doon for table B.

16:26

S… Speaker 1 (Underwriting Kit)

So ito yung percentage equivalent pag gumawa ka ng

16:30

S… Speaker 1 (Underwriting Kit)

proposal using e -codes.

16:32

S… Speaker 1 (Underwriting Kit)

Ito naman,

16:34

S… Speaker 1 (Underwriting Kit)

may mga memo ka na mababasa,

16:38

S… Speaker 1 (Underwriting Kit)

ang nakalagay lang instead of plan description,

16:41

S… Speaker 1 (Underwriting Kit)

ang nakalagay is the plan code.

16:43

S… Speaker 1 (Underwriting Kit)

Minsan may mga sinesend na mga messages,

16:47

S… Speaker 1 (Underwriting Kit)

list ng na -approve na mga policy.

16:51

S… Speaker 1 (Underwriting Kit)

Makikita mo lang is the plan code,

16:53

S… Speaker 1 (Underwriting Kit)

not the plan description.

16:54

S… Speaker 1 (Underwriting Kit)

So ito po yung ibig sabihin.

16:56

S… Speaker 1 (Underwriting Kit)

So pagka sinabing CA20,

16:58

S… Speaker 1 (Underwriting Kit)

it's true health prime.

17:00

S… Speaker 1 (Underwriting Kit)

Pagka sinabing LPD,

17:02

S… Speaker 1 (Underwriting Kit)

it's true advance 20.

17:05

S… Speaker 1 (Underwriting Kit)

Ayan, so may ano ka na dito.

17:07

S… Speaker 1 (Underwriting Kit)

Pagka sinabing PLAA,

17:08

S… Speaker 1 (Underwriting Kit)

that is Pruling Cashulance Count.

17:11

S… Speaker 1 (Underwriting Kit)

Pag sinabing PLPP,

17:12

S… Speaker 1 (Underwriting Kit)

it's Pruling Cashulance Count Plus.

17:15

S… Speaker 1 (Underwriting Kit)

So ito yung paha plus natin.

17:16

S… Speaker 1 (Underwriting Kit)

Ayan,

17:17

S… Speaker 1 (Underwriting Kit)

so pwede natin tingnan.

17:18

S… Speaker 1 (Underwriting Kit)

Pagka TR90,

17:20

S… Speaker 1 (Underwriting Kit)

that is Prulife,

17:20

S… Speaker 1 (Underwriting Kit)

your term.

17:21

S… Speaker 1 (Underwriting Kit)

Pagka TR15,

17:23

S… Speaker 1 (Underwriting Kit)

that is Term 15 product.

17:25

S… Speaker 1 (Underwriting Kit)

And so on and so forth na mga plan codes natin.

17:29

S… Speaker 1 (Underwriting Kit)

So meron na rin tayo dito team na portion kung saan,

17:33

S… Speaker 1 (Underwriting Kit)

ano ba yung requirements pagka corporate account.

17:36

S… Speaker 1 (Underwriting Kit)

So nakalagay dyan.

17:38

S… Speaker 1 (Underwriting Kit)

Ayan.

17:39

S… Speaker 1 (Underwriting Kit)

Ito pag -keyman insurance,

17:40

S… Speaker 1 (Underwriting Kit)

ito yung requirements.

17:41

S… Speaker 1 (Underwriting Kit)

Pag -employee benefit,

17:43

S… Speaker 1 (Underwriting Kit)

ito yung requirements.

17:44

S… Speaker 1 (Underwriting Kit)

And of course,

17:45

S… Speaker 1 (Underwriting Kit)

the validity ng mga reports na yun.

17:47

S… Speaker 1 (Underwriting Kit)

So for financial statement,

17:48

S… Speaker 1 (Underwriting Kit)

it's valid for one year.

17:50

S… Speaker 1 (Underwriting Kit)

The inspection report,

17:51

S… Speaker 1 (Underwriting Kit)

it's also valid for one year.

17:54

S… Speaker 1 (Underwriting Kit)

Nakalagay na rin dito yung lahat.

17:56

S… Speaker 1 (Underwriting Kit)

Ano ba yung kailangan?

17:57

S… Speaker 1 (Underwriting Kit)

Kailangan ng COR,

17:58

S… Speaker 1 (Underwriting Kit)

ng VILO,

18:00

S… Speaker 1 (Underwriting Kit)

ng latest GIS.

18:01

S… Speaker 1 (Underwriting Kit)

Ayan.

18:02

S… Speaker 1 (Underwriting Kit)

So in summary,

18:03

S… Speaker 1 (Underwriting Kit)

meron din dito yung corporate checklist.

18:06

S… Speaker 1 (Underwriting Kit)

So i -check mo,

18:07

S… Speaker 1 (Underwriting Kit)

no?

18:07

S… Speaker 1 (Underwriting Kit)

Ano ba yung kailangan pagka sole corporation,

18:10

S… Speaker 1 (Underwriting Kit)

pagka cooperative,

18:11

S… Speaker 1 (Underwriting Kit)

partnership,

18:13

S… Speaker 1 (Underwriting Kit)

pagka naman mga state colleges and universities.

18:15

S… Speaker 1 (Underwriting Kit)

So lahat yan,

18:17

S… Speaker 1 (Underwriting Kit)

team, makikita mo na siya dito.

18:19

S… Speaker 1 (Underwriting Kit)

And next natin is financial requirement

18:23

S… Speaker 1 (Underwriting Kit)

naman, financial underwriting requirements.

18:25

S… Speaker 1 (Underwriting Kit)

Anong kailangan pagka single premium,

18:28

S… Speaker 1 (Underwriting Kit)

yung PIA tsaka Prumil natin?

18:31

S… Speaker 1 (Underwriting Kit)

Pagka yung sum assured is pasok sa range na ito,

18:34

S… Speaker 1 (Underwriting Kit)

automatically ito yung requirements.

18:37

S… Speaker 1 (Underwriting Kit)

So maganda rin dito team,

18:38

S… Speaker 1 (Underwriting Kit)

pagka na -capture ni Crew 1

18:42

S… Speaker 1 (Underwriting Kit)

na 3 million to 5 million ay yung sum assured,

18:45

S… Speaker 1 (Underwriting Kit)

automatic mag -a -add ng Top 4 Asian Confidential Report or

18:49

S… Speaker 1 (Underwriting Kit)

ACR or ACI.

18:51

S… Speaker 1 (Underwriting Kit)

Pagka naman 10 million to 50 million,

18:55

S… Speaker 1 (Underwriting Kit)

may large amount questionnaire na.

18:57

S… Speaker 1 (Underwriting Kit)

So yun yung mga,

18:58

S… Speaker 1 (Underwriting Kit)

and para din team no aware tayo,

19:01

S… Speaker 1 (Underwriting Kit)

ano ba yung required dun sa application natin.

19:05

S… Speaker 1 (Underwriting Kit)

So nandito na silang lahat.

19:07

S… Speaker 1 (Underwriting Kit)

So pagdating sa requirements naman sa proof of income or proof of

19:11

S… Speaker 1 (Underwriting Kit)

wealth, nakalagay na rin dito yung mga sample na pwede natin.

19:15

S… Speaker 1 (Underwriting Kit)

is submit.

19:16

S… Speaker 1 (Underwriting Kit)

When it comes naman sa medical guidelines,

19:18

S… Speaker 1 (Underwriting Kit)

dito napaka -importante itong table na ito.

19:23

S… Speaker 1 (Underwriting Kit)

Minsan kasi,

19:24

S… Speaker 1 (Underwriting Kit)

okay na yung application,

19:26

S… Speaker 1 (Underwriting Kit)

ma -application na sana,

19:27

S… Speaker 1 (Underwriting Kit)

pero dito,

19:28

S… Speaker 1 (Underwriting Kit)

dito pa sumablay.

19:30

S… Speaker 1 (Underwriting Kit)

As a rookie,

19:32

S… Speaker 1 (Underwriting Kit)

Dito, karamihan halos yung nagiging concern when it

19:36

S… Speaker 1 (Underwriting Kit)

comes to submission.

19:37

S… Speaker 1 (Underwriting Kit)

So,

19:38

S… Speaker 1 (Underwriting Kit)

tandaan natin,

19:39

S… Speaker 1 (Underwriting Kit)

team, sa application natin,

19:42

S… Speaker 1 (Underwriting Kit)

if we're talking about weight,

19:43

S… Speaker 1 (Underwriting Kit)

it always measures in pounds.

19:46

S… Speaker 1 (Underwriting Kit)

If we're talking about height,

19:48

S… Speaker 1 (Underwriting Kit)

it's feet in inches.

19:52

S… Speaker 1 (Underwriting Kit)

So,

19:53

S… Speaker 1 (Underwriting Kit)

ito yung magiging reference natin

19:58

S… Speaker 1 (Underwriting Kit)

kung masasabi ba natin.

20:00

S… Speaker 1 (Underwriting Kit)

na underweight or overweight

20:04

S… Speaker 1 (Underwriting Kit)

yung client natin.

20:05

S… Speaker 1 (Underwriting Kit)

So let's say yung client natin is male.

20:09

S… Speaker 1 (Underwriting Kit)

Ang kanyang height is 5 '10".

20:12

S… Speaker 1 (Underwriting Kit)

So ang target dapat nandito sa range niya na ito.

20:15

S… Speaker 1 (Underwriting Kit)

141 to 179.

20:19

S… Speaker 1 (Underwriting Kit)

So expectation natin,

20:21

S… Speaker 1 (Underwriting Kit)

team, pagka sobra dun sa high,

20:24

S… Speaker 1 (Underwriting Kit)

there is

20:27

S… Speaker 1 (Underwriting Kit)

big possibility na mag -undergo ng medical

20:31

S… Speaker 1 (Underwriting Kit)

yung ating client.

20:33

S… Speaker 1 (Underwriting Kit)

So minsan din,

20:35

S… Speaker 1 (Underwriting Kit)

instead ng pounds yung nailagay,

20:38

S… Speaker 1 (Underwriting Kit)

kilos yung nailagay.

20:40

S… Speaker 1 (Underwriting Kit)

So always double check yung ating application.

20:44

S… Speaker 1 (Underwriting Kit)

Always check din dito sa table natin kung pasok

20:48

S… Speaker 1 (Underwriting Kit)

ba dun sa standard height and width.

20:50

S… Speaker 1 (Underwriting Kit)

So meron din din tayo for babies to teenagers.

20:53

S… Speaker 1 (Underwriting Kit)

Ito ay koconvert lang natin.

Underwriting Kit

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