Limited Pay Elite

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Hello guys!

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So, I'm UMRR and I will be discussing with you all

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about elite products.

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So,

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ito yung matututunan natin today.

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Ano ba ang elite products?

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And paano ba ito i -offer?

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Sino ang target market?

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And para saan ba ang elite plans?

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Okay?

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So,

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let me share with you yung four quadrants of our products.

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Okay?

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If a client is looking for high protection with

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moderate investment,

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best to recommend pa.

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Okay?

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Yung ating continuous plan.

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If the client has limited budget and wants...

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a term plan for investment,

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low protection,

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high investment,

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best to recommend yung ating exact protector or

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PEP.

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Okay?

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If the client has budget,

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Okay.

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And wants comprehensive protection and high focused

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sa investment,

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best to recommend dito yung elite plans.

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Okay.

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And we also have clients who wants high investment with

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low protection,

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single placement lang,

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one time, big time.

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Best to recommend dito yung ating Pripia

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or Prumil or Pruel 10.

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Okay.

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So, those are our recommendations.

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So,

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punta tayo sa ating topic for today which is ProLink Elite Series Limited

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Pay Unit Link Plan.

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Okay.

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So,

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ito.

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Paano ba ay pinoposition itong Elite

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Plan?

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Okay.

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So,

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ito best talaga siya if a client wants

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a limited period of plan.

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Okay?

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To meet their medium to long -term goals.

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Diba?

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With maximum protection or comprehensive coverage.

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Okay?

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Pwede rin siya for goals like child's education,

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retirement,

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or major purchase funding like purchasing a new house,

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car, or business,

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or travel fund.

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In the future,

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pwede din.

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Okay?

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So, that is how you position this

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product.

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Pag -usapan natin itong elite

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in detail.

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Ang benefit term period niya,

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ang coverage niya,

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life insurance po,

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client, covered po kayo hanggang 100 years old.

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Ang issue age po nito,

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pwede po natin i -insure as early as

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7 days old until 70 years

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old pwede po natin ma -insure.

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So,

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yan yung ating elite.

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Okay, the difference nitong elite sa ibang plan,

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meron siyang minimum premium requirement.

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Okay,

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sa elite 5,

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ang minimum niya is annual premium equivalent of

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200 ,000.

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Kaya,

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kung papansin mo,

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pag elite 5,

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minimum 17 ,000 yan.

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Kasi nga,

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200 ,000 annually.

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Elite 7 naman,

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150 ,000.

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Or 12 ,500.

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Yan yung recommended nating proposal.

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Elite 10 is 110 ,000.

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Annual premium equivalent.

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Minimum.

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Actually,

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ang Elite 10 pwedeng 10K.

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Diba, yan yung recommend mo para sarado na,

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rounded off na.

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Okay,

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and Elite 15,

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85 ,000 or minimum natin dyan,

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7 -1 rounded off.

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Okay,

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so that is,

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those are the minimum requirement for

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premium.

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Okay,

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pag bumaba dyan,

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Hindi kakagat sa puruan mo.

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Okay,

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pag mas mababa dyan ang budget ng client,

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pep ang ibibigay mo or exact protector,

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hindi elite.

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Okay,

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eh ano naman ang kinaiba niya sa elite at exact?

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Okay,

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ito yung malaking difference is the allocation of premium

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to investment.

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Okay,

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so elite 5,

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elite 7,

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10, and 15 has higher

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Premium allocation.

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Kung mapapansin mo,

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sa paa, 0 % sa first year,

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second, third year,

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50%,

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diba?

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Then fourth year onwards,

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100%.

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Here, first year pa lang,

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meron ng as high as 70 % sa Elite 5.

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Elite 7,

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60%.

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Elite 10,

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50%.

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Elite 15,

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40%.

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And then on the second year,

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ang laki 85 % agad sa Elite 5.

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75 % naman sa Elite 7,

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70 % sa Elite 10,

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and 60 % sa Elite 15.

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Diba?

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And year 3,

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95 % for 5,

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7, and 10.

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And then sa elite 15 naman,

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85 % na.

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Diba?

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And then on the fourth year,

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95 % all of those plans.

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And fifth year onwards,

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100%.

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Diba?

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So, malaki talaga.

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Mamaya, bibigyan ko kayo ng sample.

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Okay?

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Meron din itong loyalty bonus katulad ng paa,

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10%.

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From?

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11th to 15th year.

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Yan lang naman yung more than 10 years kasi

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na elite.

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Ngayon,

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tignan natin ano pa ba yung

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pwede nating i -attach or isama dito sa

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elite.

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Pwede kang mag -attach ng riders,

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critical illness,

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hospital benefit,

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even term benefit,

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accident coverage,

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and waiver.

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Pwede mo yan ilagay.

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O, syempre,

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pag nagdagdag ka,

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medyo lalaki yung premium.

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Okay?

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Ikaw na yung maglaro sa puruan yan.

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Okay?

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Kung ano talaga yung need ng client.

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Okay?

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Pwede mag -top up.

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Yes.

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20 ,000 minimum.

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Pwede mag -withdraw.

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Yes.

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Partial withdrawal.

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10 ,000 minimum.

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Pwede rin mag -fund switch.

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Okay?

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Minimum of 10 ,000.

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At dapat mayroong maintaining balance na 20

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,000 sa fund.

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Okay, so technically,

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pwede mag -withdraw yung client pag may laman na yung fund niya na 30 ,000

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and up.

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Kasi 10K ang minimum and then 20 ,000 ang maintaining.

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Okay,

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malinaw.

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And ito pa,

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huwag mong mamimiss sabihin kay client na mayroong withdrawal

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charge or surrender charge.

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Okay,

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ano ibig sabihin nun?

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Kapag nag -withdraw ka client,

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mayroong pong charge po ito.

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Okay,

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depende po kung pang ilang policy year na.

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At kung ano pong product ang kinuha ninyo.

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Ito yung chart natin.

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Tignan mo na lang.

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Mag -example tayo.

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Kunwari, Elite 5 ito.

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Mag -withdraw daw si client on its third year.

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Kung papansinin mo,

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25 % yan.

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Example,

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200 ,000 we withdrawin ni client.

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Client,

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may 25 % pong withdrawal charge.

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May 50 ,000 pong ibabawas.

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Laki,

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di ba?

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O bakit ganun ang laki?

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Because client,

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we do not recommend clients na mag -withdraw until

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matapos po yung term.

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Kasi po,

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pinapalago po natin yung inyong fund.

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Tama?

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Yan.

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Kapag sa top -up naman,

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diminishing yung charge,

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5, 4,

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3, 2, 1.

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Okay.

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Yan lang naman yung mga dapat mong tandaan.

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Also,

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unlike sa paa.

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Sa paa,

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kapag ka nag -withdraw si client,

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I mean,

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pag hindi nakabayad ng premium si client,

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nag -miss siya ng premium,

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walang ibabawas na premium from

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the fund.

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Unlike sa elite,

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kapag si client hindi nakapaghulog on

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its third month or 60th day.

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Example,

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January 1 yung premium due niya.

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Hindi siya nakapaghulog January 1.

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February 1,

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due date.

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March 1,

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diba dapat maglalaps na.

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Tama sa paa,

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ganun eh.

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Pag walang laman yung fund,

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lapse na yun.

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Ngayon,

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pag may laman ng fund,

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hindi maglalaps.

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Sa paa,

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Assurance charge lang ang ibabawas sa fund.

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Sa elite,

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yung premium ang ibabawas sa fund.

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Gets mo?

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Example, 10 ,000.

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May laman yung fund niya na 50 ,000.

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Ibabawas doon sa fund yung pang -premium.

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That's what we call premium holiday.

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Okay?

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So,

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yun yung sinasabing premium holiday.

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Ngayon,

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if the policy is within 13 months at

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nag -miss si client ng pangatlong buwan or 60th day

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ng kanyang due.

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Mag -unit cancellation yun.

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Technically,

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hindi siya lapse pero naka -unit cancellation affected

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yung PR mo.

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Yun naman yun.

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Babagsak yung PR mo kasi considered siyang lapse.

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Okay?

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Although sa pre -sim,

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naka unit cancellation in force,

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hindi lapse,

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pero sa 'yo,

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tatamaan yung iyong persistency rate.

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Okay?

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Sa premium holiday,

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meron din tayong charge.

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Okay?

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Check mo na lang itong chart kung pang ilang year na,

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yan,

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may charge ng premium holiday.

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Okay?

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So,

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example, ito.

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Hindi nakabayad si client ng

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premium.

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O, 200K,

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30K,

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15 % kasi second year.

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Yun yung charge.

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Okay?

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So, sino ang target market natin here?

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Actually,

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yung mga tao,

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syempre, may budget.

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Okay?

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May excess funds,

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sleeping funds sa bank,

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at hindi tight yung budget.

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Can save minimum of 7 -1.

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And yung mga tao na gusto ng higher returns.

10:29

S… Speaker 1 (Limited Pay Elite)

They are after return or

10:33

S… Speaker 1 (Limited Pay Elite)

investment, high investment return.

10:35

S… Speaker 1 (Limited Pay Elite)

Yan yung mga ideal na client for elite.

10:39

S… Speaker 1 (Limited Pay Elite)

Mga managers,

10:41

S… Speaker 1 (Limited Pay Elite)

entrepreneurs,

10:43

S… Speaker 1 (Limited Pay Elite)

senior managers,

10:45

S… Speaker 1 (Limited Pay Elite)

businessmen,

10:46

S… Speaker 1 (Limited Pay Elite)

OFWs.

10:48

S… Speaker 1 (Limited Pay Elite)

Mga CEOs.

10:49

S… Speaker 1 (Limited Pay Elite)

Maganda yan.

10:51

S… Speaker 1 (Limited Pay Elite)

Kaya natin silang ofera nito kasi afford nila.

10:54

S… Speaker 4 (Limited Pay Elite)

Okay?

10:55

S… Speaker 1 (Limited Pay Elite)

Mga corporate executive and employees.

10:59

S… Speaker 1 (Limited Pay Elite)

Hanapin mo yan sa mga former bosses mo.

11:02

S… Speaker 6 (Limited Pay Elite)

Diba?

11:04

S… Speaker 1 (Limited Pay Elite)

Yung mga managers mo dati.

11:05

S… Speaker 1 (Limited Pay Elite)

Even your office mates.

11:07

S… Speaker 1 (Limited Pay Elite)

Yung mga high -paying na or high -earning people.

11:11

S… Speaker 1 (Limited Pay Elite)

OFW,

11:13

S… Speaker 1 (Limited Pay Elite)

mga seaman.

11:14

S… Speaker 1 (Limited Pay Elite)

Hanapin mo sa Facebook friends mo or even sa mga kamag

11:18

S… Speaker 1 (Limited Pay Elite)

-anak mo.

11:18

S… Speaker 1 (Limited Pay Elite)

Businessmen.

11:20

S… Speaker 1 (Limited Pay Elite)

Baka may mga friends yung parents mo.

11:23

S… Speaker 1 (Limited Pay Elite)

Even your relatives.

11:25

S… Speaker 1 (Limited Pay Elite)

Pakonek ka sa kanila.

11:26

S… Speaker 2 (Limited Pay Elite)

Okay?

11:27

S… Speaker 2 (Limited Pay Elite)

So,

11:28

S… Speaker 1 (Limited Pay Elite)

pwede mong isend sa kanila or i -voice record mo itong mga samples approach

11:33

S… Speaker 1 (Limited Pay Elite)

pills natin.

11:36

S… Speaker 1 (Limited Pay Elite)

Yan for OFW.

11:37

S… Speaker 1 (Limited Pay Elite)

Hello friend.

11:39

S… Speaker 1 (Limited Pay Elite)

Kamusta ka na?

11:40

S… Speaker 1 (Limited Pay Elite)

Hope you're doing well.

11:41

S… Speaker 1 (Limited Pay Elite)

Uy -uwi ka daw sa Manila next week.

11:43

S… Speaker 1 (Limited Pay Elite)

Ba gusto malaman yung insurance and investment products namin.

11:48

S… Speaker 1 (Limited Pay Elite)

We have high range kasi that's very beneficial

11:52

S… Speaker 1 (Limited Pay Elite)

for OFWs like you.

11:54

S… Speaker 1 (Limited Pay Elite)

Short term lang siya from 5 to 15 years

11:59

S… Speaker 1 (Limited Pay Elite)

and covered ka na hanggang 100 years old mo.

12:02

S… Speaker 1 (Limited Pay Elite)

You can also have critical illness and other benefits.

12:07

S… Speaker 1 (Limited Pay Elite)

Investment allocation on the first year can go as high as 70%.

12:13

S… Speaker 2 (Limited Pay Elite)

Ayan.

12:14

S… Speaker 1 (Limited Pay Elite)

So, best to for OFWs,

12:16

S… Speaker 1 (Limited Pay Elite)

pwede yung retirement fund,

12:17

S… Speaker 1 (Limited Pay Elite)

pang comeback fund,

12:19

S… Speaker 1 (Limited Pay Elite)

for as low as 85 ,000 per year lang.

12:22

S… Speaker 1 (Limited Pay Elite)

Insurance ka na,

12:23

S… Speaker 1 (Limited Pay Elite)

may pang retirement ka pa.

12:25

S… Speaker 1 (Limited Pay Elite)

Mint tayo,

12:26

S… Speaker 1 (Limited Pay Elite)

discuss ko.

12:26

S… Speaker 1 (Limited Pay Elite)

I hope to hear from you.

12:29

S… Speaker 1 (Limited Pay Elite)

Ayan.

12:30

S… Speaker 1 (Limited Pay Elite)

So, yan yung possible na script na sabihin mo.

12:33

S… Speaker 1 (Limited Pay Elite)

Pwede rin sa employee,

12:34

S… Speaker 1 (Limited Pay Elite)

same lang din,

12:35

S… Speaker 1 (Limited Pay Elite)

ibahin mo lang yung sasabihin mo.

12:38

S… Speaker 2 (Limited Pay Elite)

Okay?

12:40

S… Speaker 1 (Limited Pay Elite)

Yan, so ito,

12:41

S… Speaker 1 (Limited Pay Elite)

sample for employees,

12:42

S… Speaker 1 (Limited Pay Elite)

for businessmen.

12:44

S… Speaker 2 (Limited Pay Elite)

Yan,

12:45

S… Speaker 1 (Limited Pay Elite)

nasa SOCMED din ito.

12:46

S… Speaker 2 (Limited Pay Elite)

Okay,

12:47

S… Speaker 1 (Limited Pay Elite)

so yan mga pwede mong sabihin sa mga target clients

12:52

S… Speaker 1 (Limited Pay Elite)

natin.

12:53

S… Speaker 1 (Limited Pay Elite)

Bakit sobrang bestseller nitong

12:57

S… Speaker 1 (Limited Pay Elite)

ating elite product is because sa mga taong

13:01

S… Speaker 1 (Limited Pay Elite)

may budget,

13:02

S… Speaker 1 (Limited Pay Elite)

ito talaga ang gusto.

13:04

S… Speaker 1 (Limited Pay Elite)

Yung short term tapos na.

13:07

S… Speaker 1 (Limited Pay Elite)

Pero,

13:07

S… Speaker 1 (Limited Pay Elite)

malaki yung return.

13:09

S… Speaker 5 (Limited Pay Elite)

So,

13:09

S… Speaker 1 (Limited Pay Elite)

best siya for education and retirement.

13:12

S… Speaker 1 (Limited Pay Elite)

Okay?

13:13

S… Speaker 2 (Limited Pay Elite)

So,

13:14

S… Speaker 1 (Limited Pay Elite)

ito talaga yung focus niya.

13:15

S… Speaker 1 (Limited Pay Elite)

Educ funding and retirement planning.

13:18

S… Speaker 4 (Limited Pay Elite)

Okay,

13:19

S… Speaker 1 (Limited Pay Elite)

case study tayo.

13:20

S… Speaker 1 (Limited Pay Elite)

Kunwari, we have a client,

13:22

S… Speaker 1 (Limited Pay Elite)

parent,

13:24

S… Speaker 1 (Limited Pay Elite)

30 years old,

13:25

S… Speaker 1 (Limited Pay Elite)

and mayroong anak na 2 years old.

13:27

S… Speaker 1 (Limited Pay Elite)

Sabi niya,

13:28

S… Speaker 1 (Limited Pay Elite)

gusto ko sana,

13:30

S… Speaker 1 (Limited Pay Elite)

pagdating ng college ng anak ko,

13:32

S… Speaker 1 (Limited Pay Elite)

may pang tuition ako.

13:33

S… Speaker 1 (Limited Pay Elite)

O, anong tanong?

13:35

S… Speaker 1 (Limited Pay Elite)

Sir, saan niyo po ba gustong dalin or pag -aralin

13:39

S… Speaker 1 (Limited Pay Elite)

yung anak niyo?

13:40

S… Speaker 1 (Limited Pay Elite)

Sabi niya,

13:41

S… Speaker 1 (Limited Pay Elite)

gusto niya raw sa lasal.

13:43

S… Speaker 5 (Limited Pay Elite)

O,

13:44

S… Speaker 1 (Limited Pay Elite)

2 years old yung anak.

13:45

S… Speaker 2 (Limited Pay Elite)

So,

13:46

S… Speaker 1 (Limited Pay Elite)

2 years old,

13:47

S… Speaker 1 (Limited Pay Elite)

still have 17 years to go.

13:50

S… Speaker 1 (Limited Pay Elite)

Punta ka lang sa projected tuition fee natin sa sales kit.

13:54

S… Speaker 4 (Limited Pay Elite)

Ayan,

13:55

S… Speaker 1 (Limited Pay Elite)

so makikita mo dyan,

13:56

S… Speaker 1 (Limited Pay Elite)

5 .5 ang kailangan niyang i -prepare.

13:59

S… Speaker 2 (Limited Pay Elite)

Okay,

14:00

S… Speaker 1 (Limited Pay Elite)

so, maggagawa ka ng proposal na saswak dyan.

14:04

S… Speaker 1 (Limited Pay Elite)

sa goal ng tatay niya.

14:07

S… Speaker 2 (Limited Pay Elite)

Okay?

14:08

S… Speaker 2 (Limited Pay Elite)

So,

14:09

S… Speaker 1 (Limited Pay Elite)

pwede ka mag -recommend.

14:10

S… Speaker 1 (Limited Pay Elite)

Elite plan,

14:11

S… Speaker 1 (Limited Pay Elite)

exact.

14:12

S… Speaker 2 (Limited Pay Elite)

Diba?

14:13

S… Speaker 2 (Limited Pay Elite)

So,

14:13

S… Speaker 1 (Limited Pay Elite)

ang PO,

14:15

S… Speaker 1 (Limited Pay Elite)

si parent,

14:15

S… Speaker 1 (Limited Pay Elite)

ang insured,

14:17

S… Speaker 1 (Limited Pay Elite)

si anak, lagyan mo ng payer waiver.

14:19

S… Speaker 2 (Limited Pay Elite)

Diba?

14:20

S… Speaker 4 (Limited Pay Elite)

O,

14:22

S… Speaker 1 (Limited Pay Elite)

ayan.

14:22

S… Speaker 1 (Limited Pay Elite)

Tapos,

14:23

S… Speaker 1 (Limited Pay Elite)

sabihin mo to,

14:23

S… Speaker 1 (Limited Pay Elite)

alam mo, client,

14:24

S… Speaker 1 (Limited Pay Elite)

pag nag -save ka ng 30 ,000 sa bank for

14:30

S… Speaker 1 (Limited Pay Elite)

sabihin mo ng one year,

14:34

S… Speaker 1 (Limited Pay Elite)

360 ,000 yan,

14:36

S… Speaker 1 (Limited Pay Elite)

client.

14:37

S… Speaker 2 (Limited Pay Elite)

Diba?

14:38

S… Speaker 1 (Limited Pay Elite)

Yan na yun.

14:39

S… Speaker 1 (Limited Pay Elite)

Kapag may nangyari

14:43

S… Speaker 1 (Limited Pay Elite)

sa inyo, client,

14:44

S… Speaker 1 (Limited Pay Elite)

kung tumubo man yan in 17 years,

14:48

S… Speaker 1 (Limited Pay Elite)

400 ,000 lang.

14:50

S… Speaker 2 (Limited Pay Elite)

Diba?

14:51

S… Speaker 1 (Limited Pay Elite)

Tapos kung may mangyari sa inyo,

14:52

S… Speaker 1 (Limited Pay Elite)

ubos pa yan.

14:53

S… Speaker 2 (Limited Pay Elite)

Diba?

14:55

S… Speaker 1 (Limited Pay Elite)

Dito,

14:55

S… Speaker 1 (Limited Pay Elite)

client, you don't need to save 30 ,000.

15:00

S… Speaker 1 (Limited Pay Elite)

20 ,000 lang.

15:01

S… Speaker 1 (Limited Pay Elite)

Diba?

15:03

S… Speaker 1 (Limited Pay Elite)

Biruin nyo,

15:04

S… Speaker 1 (Limited Pay Elite)

in 15 years,

15:05

S… Speaker 1 (Limited Pay Elite)

may 5 .8 million na kayo.

15:07

S… Speaker 4 (Limited Pay Elite)

O,

15:10

S… Speaker 1 (Limited Pay Elite)

diba?

15:11

S… Speaker 2 (Limited Pay Elite)

O.

15:12

S… Speaker 1 (Limited Pay Elite)

Tapos,

15:13

S… Speaker 1 (Limited Pay Elite)

ano pa to?

15:14

S… Speaker 1 (Limited Pay Elite)

May death benefit pang 4 million,

15:16

S… Speaker 1 (Limited Pay Elite)

1 million disability,

15:17

S… Speaker 1 (Limited Pay Elite)

1 million accident.

15:18

S… Speaker 1 (Limited Pay Elite)

Ganda,

15:20

S… Speaker 1 (Limited Pay Elite)

diba?

15:21

S… Speaker 1 (Limited Pay Elite)

20 ,000 in 15 years,

15:23

S… Speaker 1 (Limited Pay Elite)

mag -ipon po tayo.

15:25

S… Speaker 4 (Limited Pay Elite)

O.

15:27

S… Speaker 1 (Limited Pay Elite)

Diba?

15:28

S… Speaker 1 (Limited Pay Elite)

Ang turnout po nito,

15:30

S… Speaker 1 (Limited Pay Elite)

ang return niya,

15:30

S… Speaker 1 (Limited Pay Elite)

5 .8 million compared dito na 463

15:36

S… Speaker 1 (Limited Pay Elite)

,000 lang.

15:37

S… Speaker 2 (Limited Pay Elite)

Diba?

15:38

S… Speaker 2 (Limited Pay Elite)

So, ito,

15:39

S… Speaker 1 (Limited Pay Elite)

gawa tayo ng sample,

15:40

S… Speaker 1 (Limited Pay Elite)

actual proposal.

15:43

S… Speaker 1 (Limited Pay Elite)

320 ,000 yearly.

15:46

S… Speaker 1 (Limited Pay Elite)

In 17 years,

15:49

S… Speaker 1 (Limited Pay Elite)

client, may 5 .7 million na po kayo.

15:53

S… Speaker 1 (Limited Pay Elite)

Pang -education fund.

15:54

S… Speaker 1 (Limited Pay Elite)

On top of that,

15:55

S… Speaker 1 (Limited Pay Elite)

meron pa po kayong life insurance na 1 .8,

15:58

S… Speaker 1 (Limited Pay Elite)

disability na 500k,

16:01

S… Speaker 1 (Limited Pay Elite)

accidental na 500k,

16:03

S… Speaker 1 (Limited Pay Elite)

and may waiver,

16:04

S… Speaker 1 (Limited Pay Elite)

payer waiver din po ito.

16:06

S… Speaker 1 (Limited Pay Elite)

If ever po something happens to you,

Limited Pay Elite

Buod

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