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PaySaversProduct Launching
Consumer Insights  AXA Retirement Scope 2010                             根据2010年AXA退休调查  indicates that Malaysian         ...
Consumer Insights  This should not come as a                                                           这是理所当然的  surprise a...
Building a Savings Fund        Major events will trigger a strong need to create a savings fund                           ...
Building a Savings Fund  The priority will change with changing circumstances & life stages                     储蓄的目的会随着不同...
Introducing                                PaySavers                                                        A financial pr...
Introducing                                PaySavers   Option of saving period as short as 15 and 20 years. This saving  ...
Introducing                                PaySavers        Once you have completed your saving period, it will generate ...
Introducing                                 PaySavers       The income is further enhanced by non-        guaranteed annu...
Introducing                                 PaySavers                                        The    program    comes     ...
PaySavers - Product Design                                   Dimension               PaySavers 15                PaySavers...
PaySavers 15 in one glance                                                                                                ...
PaySavers 20 in one glance                                                                                            Matu...
Underwriting Guidelines                                                        Min                 Max      Entry Age     ...
3 Reasons why you sell                                          PaySavers!!!                                              ...
3 in 1 – why you buy                                  PaySavers!!!                                                        ...
3 in 1 – why you buy                                             PaySavers!!!         35% of BSA + Cash Dividends +       ...
3 in 1 – why you buy                                             PaySavers!!!              5% of BSA (biannual)           ...
Why              PaySavers!!!                                                  One more reason for you to ACT NOW!!!!     ...
PaySavers Campaign                Be the first 100 to get this exclusive gift for your customer                           ...
PaySavers Campaign                                        How to get this exclusive gift                                  ...
Version 1. August 2011. For Internal Circulation only
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Paysavers

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Paysavers

  1. 1. PaySaversProduct Launching
  2. 2. Consumer Insights AXA Retirement Scope 2010 根据2010年AXA退休调查 indicates that Malaysian 显示大马人通常 start savings for 在46岁时才开始 retirement at the 为退休打算 age of 46 The same survey discovers 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Version 1. August 2011. For Internal Circulation only
  3. 3. Consumer Insights This should not come as a 这是理所当然的 surprise as these are the 因为这些阶段正是我们 times when we take on 承担更大责任的时候! added responsibilities For parents, they will 对父母来说, be able to understand 他们能完全了解 perfectly as they strive 想给孩子最好一切的 for the best for their 想法 child.Version 1. August 2011. For Internal Circulation only
  4. 4. 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 Contingency Retirement fund fund fund 教育基金 紧急基金 退休基金 Different Purposes of Savings 储蓄的不同目的Version 1. August 2011. For Internal Circulation only
  5. 5. Building a Savings Fund The 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 Contingency Retirement fund fund fund 教育基金 紧急基金 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Version 1. August 2011. For Internal Circulation only
  6. 6. Introducing PaySavers A 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 也能奖励自己的财务计划Version 1. August 2011. For Internal Circulation only
  7. 7. 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  While you accumulate your savings fund, it will start rewarding you with biannual 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Version 1. August 2011. For Internal Circulation only
  8. 8. 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Version 1. August 2011. For Internal Circulation only
  9. 9. 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Version 1. August 2011. For Internal Circulation only
  10. 10. 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Version 1. August 2011. For Internal Circulation only
  11. 11. PaySavers - Product Design Dimension PaySavers 15 PaySavers 20 Limited pay whole life Limited pay endowment Limited pay endowment Plan Type plan with paid up option plan plan 保单类型 有限缴付终生保单 有限缴付储蓄保单 有限缴付储蓄保单 具全缴清选项 Premium Paying Term 20 years with Fully Paid 15 years 20 years Up option at 10th year 保费缴付期限 Policy Term Up to age 100 30 years 30 years 保单期限 100% of SA or total basic 100% of SA or total basic annual premium paid, annual premium paid, Death Benefit 100% of SA whichever is higher whichever is higher 死亡赔偿 投保额或所缴基本年保费全额 投保额或所缴基本年保费全额 视何者为高 视何者为高 Commission 171% 133.25% 171% 佣金Version 1. August 2011. For Internal Circulation only
  12. 12. 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 Rider Attachable 附加保单: Fund Available 投资基金:  Waiver of Premium on CI  Active Bond Fund 保费豁免(严重疾病)  Active Balance Fund  Payor Benefit (Death, TPD & CI)  Dana Imbang 付款人利益(死亡、完全永久残废、严重疾病)  Asia Pacific Growth FundVersion 1. August 2011. For Internal Circulation only
  13. 13. 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 + IL 每年储蓄为期 20 年 FundBeginningof year 12 3 20 21 30年初 Rider Attachable 附加保单: Fund Available 投资基金:  Waiver of Premium on CI  Active Bond Fund 保费豁免(严重疾病)  Active Balance Fund  Payor Benefit (Death, TPD & CI)  Dana Imbang 付款人利益(死亡、完全永久残废、严重疾病)  Asia Pacific Growth FundVersion 1. August 2011. For Internal Circulation only
  14. 14. 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)Version 1. August 2011. For Internal Circulation only
  15. 15. 3 Reasons why you sell PaySavers!!! Hybrid Endowment Plan – Pioneer in the Market! 混合型储蓄保单 – 市场先驱! 1 High & Higher Cash Endowment – 5% & 8% 更具吸引力的保证现金储蓄 – 5% & 8% 2 Full Commission Payment – 26.25% & 35% 完整的佣金给付 – 26.25% & 35% 3Version 1. August 2011. For Internal Circulation only
  16. 16. 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Version 1. August 2011. For Internal Circulation only
  17. 17. 3 in 1 – why you buy PaySavers!!! 35% of BSA + Cash Dividends + 100% of BSA + Terminal Div. + ILP balance (if any) (if any) Investment Return as 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 + Cash Dividends every year as Retirement Income 退休收入:每年8%现金储蓄 + 现金红利 Saving for 15 years 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)Version 1. August 2011. For Internal Circulation only
  18. 18. 3 in 1 – why you buy PaySavers!!! 5% of BSA (biannual) 100% of BSA + Terminal Div. (if any) + Cash Dividends (annual) as as Golden Age Fund Life Style Fund 黄金岁月基金: 优质生活基金: 100% BSA + 期终红利 5% 现金储蓄(每2年)+现金红利(每年) 8% of BSA + Cash Dividends every year as Retirement Income 退休收入:每年8%现金储蓄 + 现金红利 Saving for 20 years 储蓄 20年 Payor (age 65) Payor (age 35) Payor (age 55)Version 1. August 2011. For Internal Circulation only
  19. 19. Why PaySavers!!! One more reason for you to ACT NOW!!!! 另 1 个你要马上行动的理由Version 1. August 2011. For Internal Circulation only
  20. 20. PaySavers Campaign Be the first 100 to get this exclusive gift for your customer 成为首100位购买PaySavers 的客户以赢取 GPS – WayWay Q3033 •Pre-loaded with M3GPS PAPAGO! ONE •3.5”screen •Multi-Media Player •Multi-Language Support •Photo Viewer •Games •Touch Screen •3D Navigation •3.5mm Mini JackVersion 1. August 2011. For Internal Circulation only
  21. 21. PaySavers Campaign How to get this exclusive gift GPS – WayWay Q3033 Qualification Criteria • For the first 100 customers who purchased Paysavers, on first come first serve basis / 成为首百名购买的客户,先到先得 • Each life assured is only entitled to one gift / 每位受保人只限1台 • Minimum annual premium of RM5,000 and applicable to annual and semi-annual premium payment mode only / 最低保费为5,000令吉,只限年缴与半年缴保费 • Eligibility is based on date of receipt of complete proposal with payment. Medical case must be accepted and issued within 1 month to remain eligible for the gift / 赢取资格是根据完整的要保书及保费。如需医药报告的保单,须在1个月内批准 • If any policy is returned during the free look period, the price of the gift will be clawed back from the agent’s account / 若保客于冷静期内退保,公司将从业务员户口内扣除相等的数额Version 1. August 2011. For Internal Circulation only
  22. 22. Version 1. August 2011. For Internal Circulation only

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