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Pay savers launching v3.1 (workshop) wo comp

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Pay savers launching v3.1 (workshop) wo comp

  1. 1. Product Wor kshop
  2. 2. Program Walk ThroughPaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  3. 3. Consumer InsightsAXA Retirement Scope 2010 根据 2010 年 AXA 退休indicates that Malaysian 调查 显示大马人通常start savings forretirement at the 在 46 岁时才开 始 为退休打算age of 46The same surveydiscovers that the 同样的调查也发现planning is triggered 储蓄规划一般是by major events such 由一些重大事件, as childbirth and marriage 如生子或婚姻所 触发的PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  4. 4. Consumer InsightsThis should not come as a 这是理所当然的surprise as these are the 因为这些阶段正是times when we take on 我们 承担更大责added responsibilities 任的时候!For parents, they will 对父母来说,be able to understand 他们能完perfectly as they strive 全了解 想给孩for the best for their 子最好一切的 想法child.PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  5. 5. Building a Savings Fund Major events will trigger a strong need to create a savings fund 重大事件会让我们兴起储蓄的念头 Education Retirement fund fund 教育基金 退休基金 Different Purposes of Savings 储蓄的不同目的PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  6. 6. Building a Savings FundThe priority will change with changing circumstances & life stages 储蓄的目的会随着不同的情况和人生阶段而有所改变 Education Retirement fund fund 教育基金 退休基金 By the time your child is ready to go to college, your retirement will take over as the 1st priority 当孩子上大学之后,退休便将使你储蓄的最重要目的PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  7. 7. Introducing PaySavers A hybrid financial program that is designed to reward you while you build your savings fund 一项让你 在 建立储蓄基金的同时 也 能奖励自己的混合型财务计划PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  8. 8. Introducing PaySavers  Option of saving period as short as 15 and 20 years. This saving period is guaranteed with no further contribution required regardless of the investment environment 储 蓄 期 限 可选择 15 或 20 年。这项 储蓄的期限是无论在何种的投资环境下 都受到保证的PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  9. 9. Introducing PaySavers  While you accumulate your savings fund, it will start rewarding you with biennial payouts starting from the 2nd policy year. These payouts can be accumulated as supplementary fund for your child’s education or to treat yourself to a well deserved holiday 在累积储蓄基金的同时,您可以自第 2 个 保 单 年 度 开始 每 2 年 领取 现 金 储蓄 。您可以将这笔钱当成子女教育的 储备基金,也可以用来奖励自己,享受 一个美好的假期PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  10. 10. Introducing PaySavers  Once you have completed your saving period, it will generate guaranteed income annually until maturity 一旦完成您的储蓄期限, PaySavers 将会每年提供您保 证 周年收入直到满期为止  At maturity, an additional lump sum guaranteed benefit will become payable to enhance your retirement fund 满期时 , 您也可以领取一笔额外的保证基金充作您的退休基金PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  11. 11. Introducing PaySavers  The income is further enhanced by non- guaranteed annual cash dividends to be declared annually 每年还有无保证的周年现金红利以增加您的储蓄  Both cash endowment and cash dividends have the option to be invested in 4 professionally managed investment-linked funds to enhance your retirement fund 您也能选择将现金储蓄和现金红利投资在专人管 理的 4 种投资连结型基金内以增强您的退休基金PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  12. 12. Introducing PaySavers  The program comes with optional supplementary plans that will create access to contingency funds 您也可以选择增加其他保 单 让您能在需要时拥有 一笔紧急基金  The combination of income generation, investment-linked funds and contingency funds enable PaySavers to be structured to meet customers’ changing needs and risk profile 结合储蓄收入、投资连结型基金以及紧急基金 的 PaySavers 能迎合您不断更改的财务需求 与风险状况PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  13. 13. PaySavers - Product Overview PaySavers 15 PaySavers 20 Limited pay Limited pay Plan Type endowment plan endowment plan 保单类型 有限缴付储蓄保单 有限缴付储蓄保单 Premium Paying Term 15 years 20 years 保费缴付期限 Policy Term 30 years 30 years 保单期限PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  14. 14. PaySavers 15 in one glance Maturity Benefit 满期利益 Guaranteed Income of 5% of Guaranteed Income of 8% of BSA bi-annually BSA Annually 100% 每 2 年一次的 5% 保证收入 每年一次的 8% 保证收入 BSA + Save annually for 15 years TD + IL 每年储蓄为期 15 年 FundBeginningof year 12 3 15 16 30 年初 PaySavers Product Workshop (Version 1, August 2011) For Internal Circulation only
  15. 15. PaySavers 20 in one glance Maturity Benefit 满期利益 Guaranteed Income of 5% of BSA bi- Guaranteed Income of annually 8% of BSA Annually 100% 每 2 年一次的 5% 保证收入 每年一次的 8% 保证收入 BSA + Save annually for 20 years TD + 每年储蓄为期 20 年 ILBeginning Fundof year 12 3 20 21 30 年初 PaySavers Product Workshop (Version 1, August 2011) For Internal Circulation only
  16. 16. PaySavers – Cash Endowment End of Policy 1 2 3 4 5 6 7 8 9 10 Year PaySavers 15 0% 5% 0% 5% 0% 5% 0% 5% 0% 5% PaySavers 20 0% 5% 0% 5% 0% 5% 0% 5% 0% 5% End of Policy 20- 11 12 13 14 15 16 17 18 19 Year 30 PaySavers 15 0% 5% 0% 5% 8% 8% 8% 8% 8% 8% PaySavers 20 0% 5% 0% 5% 0% 5% 0% 5% 0% 8% % of Basic Sum InsuredPaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  17. 17. PaySavers – Cash Dividend  Dividend, if any, is declared Annually 每年 也有非保证的现金红利  Projected to be payable starting from the end of 5th policy year onwards 预期将在第 5 个保单周年底 之后给付PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  18. 18. PaySavers – CE & CD Option 1. To received the Cash Endowment & Cash Dividends in cash 以现金 领取现金储蓄和现金红利 2. To leave the Cash Endowment & Cash Dividends in our Professionally managed investment-linked For Proposal Form, fill up the Question 4 @ Part IV to indicate fund customer’s option 将现金储蓄和现金红利投资在由专人管 填写要保书时,在第 4 部分的 第 理的投资连结基金 4 题 注明客户的选择PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  19. 19. PaySavers – 4 Invest-linked Fund Active Bond Fund Active Balanced Fund Dana Imbang Asia Pacific Growth FundPaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  20. 20. PaySavers – 4 Invest-linked Fund Active Bond Fund To provide a steady stream of income through investment in money market & private debt securities with limited exposure to equities 通过投资在现金市场与私人债务证券 , 以及一小部分的股票以提供固定的收入PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  21. 21. PaySavers – 4 Invest-linked Fund Active Balanced Fund To provide a steady income & capital growth over a medium to long-term period 通过中长期的投资 取得固定的收入和 资本成长PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  22. 22. PaySavers – 4 Invest-linked Fund Dana Imbang To provide a steady income & capital growth over a medium to long-term period by investing in a portfolio of investments that compiles with Shariah requirements 通过中长期投资 于符合回教法要求 的投 资组合取得固定的收入和资本成长PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  23. 23. PaySavers – 4 Invest-linked Fund Asia Pacific Growth Fund To seek high capital growth over a medium to long-term period through investments in situational & high growth stocks 通过中长期投资 于高成长股票以寻求 高资本成长PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  24. 24. PaySavers – Maturity BenefitPaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  25. 25. PaySavers – Death & TPD Benefit Note: The max. payment for TPD is 1.25 Million 永久残废的最高给付额为 1 百 25 万令吉PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  26. 26. PaySavers – Surrender ValuePaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  27. 27. PaySavers – Rider Attachable Payor Benefit Waiver of Premium  Critical Illnesses  Critical Illnesses 严重疾病 严重疾病  TPD (before age 60) 永久残废 (60 岁之前 )  Death 死亡PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  28. 28. Underwriting Guidelines Min Max Entry Age (Insured) 15 days 60 years old投保年龄(受保人) Sum Insured Subject to RM 10,000 投保额 Underwriting Death: 30 years Coverage Term 受保年限 TPD: 30 years / age 60 of the Insured (Whichever is earlier)PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  29. 29. 3 Reasons why you sell PaySavers!!! Hybrid Endowment Plan – Pioneer in the Market! 混合型储蓄保单 – 市场先驱! High & Higher Cash Endowment Guaranteed – 5% & 8% 更具吸引力的保证现金储蓄 – 5% & 8% Full Commission Payment – 26.25% & 35% 完整的佣金给付 – 26.25% & 35%PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  30. 30. 3 in 1 – why you buy PaySavers!!! PaySavers – 3 Financial Needs in 1 Solution!!! 3 项财务需求 1 个解决方案 For Parents in age 35 ~ 45 年龄介于 35 至 45 岁的父母PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  31. 31. 3 in 1 – why you buy PaySavers!!! Basic Plan PaySavers 15 Rider Payor Benefit Life Insured 5 years old Payor 40 years old (smoker) Sum Insured RM 100,000 Reinvest in Active Balanced Option Fund (100%)PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  32. 32. 3 in 1 – why you buy PaySavers!!! 35% of BSA (CE) + Cash Dividends 100% of BSA + Terminal Div. + ILP balance + Investment Return as (if any) (if any) Education Fund as Golden Age Fund 教育基金: 黄金岁月基金: 35% 的现金储蓄 + 现金红利 + 回酬 100% BSA + 期终红利 + 投资户口余额 8% of BSA (CE) + Cash Dividends every year as Retirement Income 退休收入:每年 8% 现金储蓄 + 现金 Saving for 15 years 红利 储蓄 15 年 Payor: Parent (age 70)Payor: Parent (age 40) Payor: Parent (age 55)Life Insured: Child (age 5) Life Insured: Child (age 20)PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  33. 33. 3 in 1 – why you buy PaySavers!!! Golden Age Fund Education Fund (15th year) (BSA) RM 100,000 + Projected IL account value (Terminal Dividend) RM 84,443 = RM 53,492 ~ RM 77,796 RM 184,443++ Retirement Income (15th year onwards) (CE) RM 120,000 + (CD) RM 39,500 =   Saving for 15 years RM 159,500 (RM 10,633 p.a.)   (Basic) RM 13,420 + (Payor) RM 1,332.61 = RM 14,752.61 Payor: Parent (age 70)Payor: Parent (age 40) Payor: Parent (age 55)Life Insured: Child (age 5) Life Insured: Child (age 20)PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  34. 34. 3 in 1 – why you buy PaySavers!!! PaySavers – 3 Financial Needs in 1 Solution!!! 3 项财务需求 1 个解决方案 For Professional & Executive in age 35 ~ 45 年龄介于 35 至 45 岁的 专业人士和执行人员PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  35. 35. 3 in 1 – why you buy PaySavers!!! Basic Plan PaySavers 20 Rider Waiver of Premium Life Insured 35 years old (smoker) Sum Insured RM 100,000 Option WithdrawalPaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  36. 36. 3 in 1 – why you buy PaySavers!!! 5% of BSA (biannual) + Cash Dividends (annual) as 100% of BSA + Terminal Div. (if any) Life Style Fund as Golden Age Fund 优质生活基金: 黄金岁月基金: 5% 现金储蓄 ( 每 2 年 )+ 现金红 100% BSA + 期终红利 利 ( 每年 ) 8% of BSA + Cash Dividends every year as Retirement Income 退休收入:每年 8% 现金储蓄 + 现金 Saving for 20 years 红利 储蓄 20 年 Payor (age 65)Payor (age 35) Payor (age 55)PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  37. 37. 3 in 1 – why you buy PaySavers!!! Life Style Fund Golden Age Fund (Guaranteed Biannual CE) RM 45,000 + (BSA) RM 100,000 + (Terminal Dividend) RM 123,823 = (Projected Annual CD) RM 21,100 = RM 66,100 RM 223,823 Retirement Income (CE) RM 88,000 + (CD) RM 29,500 =   Saving for 20 years RM 117,500 (RM 11,750 p.a.) (Basic) RM 11,450 + (WOP) RM 660 = RM 12,110 Payor (age 65)Payor (age 35) Payor (age 55)PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  38. 38. PaySavers – Sales Illustration Death Benefit = Higher of Sum Insured or Total Annual Premium PaidPaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only
  39. 39. PaySavers – Sales Illustration Scenario A: Assumes Participating Fund earns 4.75% p.a. Scenario B: Assumes Participating FundPaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only earns 6.75% p.a.
  40. 40. PaySavers – Sales Illustration Total Surrender Value = Cash Value + a/c Value + Terminal Dividend Total Death Benefit= Death Value + a/c Value +PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only Terminal Dividend
  41. 41. PaySavers Product Workshop (Version 1, August 2011)For Internal Circulation only

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