1. PRESENTATION TITLEPRESENTATION TITLE
GOAL CATEGORIES & THE RMM SOLUTION
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Category Description RMM solution
Invest Saving for a future goal 2-IN-ONE Savings 4 my Goal
Retire Saving to be able to maintain a lifestyle
after retirement
Retirement Plan
Death & Disability Leaving sufficient funds behind to settle
outstanding debt and take care of
dependants
• Pure Life Plan
• Life & Disability Plan
• Accidental Death & Disability
Plan
Paying for a dignified funeral • Funeral Care Plan
• Standard Funeral Plan
• Comprehensive + Funeral Plan
Education Saving for a child's education to ensure a
brighter future
2-IN-ONE Savings 4 Education
Debt Free Settling all debt or consolidating debt to
ensure greater disposable income
Old Mutual Finance
Household & Car Ensuring your personal belongings against
theft or damage
iWYZE

2. PRESENTATION TITLEPRESENTATION TITLE
FINANCIAL GOAL: PAYING FOR A DIGNIFIED FUNERAL
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Why would your customers need funeral cover?
• The costs of funerals are rising because of inflation.
• Customers would like to bury a dependent in a dignified manner.
• You can’t save for a funeral because death is an unexpected and
unplanned event.
• The costs of funerals are rising because of inflation.
• Customers would like to bury a dependent in a dignified manner.
• You can’t save for a funeral because death is an unexpected and
unplanned event.

3. PRESENTATION TITLEPRESENTATION TITLE
What is a dependent child?
A child automatically covered under the Funeral Plan Range is an own child
(including stillborn), stepchild or legally adopted child of the policyholder, who is:
Unmarried and under the age of 21
A full time student, unmarried and under the age of 26
A child who is totally dependent on the parents due to physical or mental
disability.
A customer will have the option to cover a child not meeting the above criteria
under the extended family. If this is done within 3 months from the child's 21st/26th
birthday, cover will continue and there will be no new waiting period.
FUNERAL PLAN RANGE: DEPENDENTS
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4. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE: DEPENDENTS
When does Old Mutual recognise someone as a spouse?
A person who is married to the policyholder in terms of any law, custom or
religion, and shall include a person who is not married but who is living together
with the policyholder as a couple.
What is a stillborn?
Must have had 6 months (182 days) of intra-uterine existence. The Money Back
Guarantee and double accident cover is not available for stillborns.
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5. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE: DEPENDENTS
Who can be covered under extended family?
A maximum of 8 extended family members can be covered any given time. This
number may be exceeded with the following people:
Children older than 21/26
Children -in-law older than 21/26
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•Aunt/Uncle
•Brother/in-law
•Sister/in-law
•Cousin
•Niece/Nephew
•Grandparents/in-law
•Grand children
•Additional/ex-spouses

6. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE: DEPENDENTS
Who can be covered under parents?
Own parents
Parents-in-law
Step parents
Step parents-in-law
Adoptive parents
Adoptive parents-in-law
A maximum of 4 parents can be covered any given time.
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7. PRESENTATION TITLEPRESENTATION TITLE
FINANCIAL GOAL: PAYING FOR A DIGNIFIED FUNERAL
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Total amount
needed
Amount already
provided
Shortfall
Family/Own
Funeral
R20 000 R20 000 R0
Parents Funeral R30 000 R0 R30 000
Extended Funeral R10 000 R5000 R5000
The financial plan
Which shortfall is Mira’s highest priority, and why?

8. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE: THEORY TABLE
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Theory table
Care plan Standard Funeral
Plan
Comprehensive +
Funeral plan
Eligibility • Individual
• Single adult family
• Family
• Parents
• Extended family
•Individual
•Single adult family
•Family
•Parents
•Extended family
•Individual
•Single adult family
•Family
•Parents
•Extended family
Minimum entry age
(Policyholder)
16 16 16
Maximum entry age
(Policyholder)
65 65 54
Maximum entry age
(Covered lives)
84 84 84
Minimum premium
Determined by age and cover selected
Maximum premium
Minimum term N/A N/A N/A
Maximum Premium
Paying term
Whole life Whole life Until age 65

9. PRESENTATION TITLEPRESENTATION TITLE
Care plan Standard Funeral
Plan
Comprehensive +
Funeral plan
Premium increase
Cover/benefit increase
Double accident cover
Paid-up benefits
Terminal Illness Benefit
Cash Back Benefit
Premium Holiday
More 4U
FUNERAL PLAN RANGE: THEORY TABLE
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Yes Yes Yes No
Yes No Yes No Yes No
Yes No Yes No Yes No
Yes No Yes No Yes No
NoNo
Yes Yes Yes NoNoNo
Yes Yes Yes NoNoNo
Annual increases will be based on CPI. Increases will be on the 1st July each year. Customers
should notify OM in writing by the 1st of April for each year where they wish not to include API.

10. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE: MAXIMUM COVER
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Care plan Standard Funeral
Plan
Comprehensive +
Funeral plan
Individual R50 000 R70 000 R70 000
Single Adult Family R50 000 R70 000 R70 000
Family R50 000 R70 000 R70 000
Stillborn
25% of selected benefit up to a maximum of R3000
Children
Ages 0 – 5
25% of selected benefit up to a maximum of R10 000
Children
Ages 6- 13
50% of selected benefit up to a maximum of R25 000 for natural causes and
R30 000 for accidental causes
Children
Ages 14 and older
100% of selected benefit

11. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE: MAXIMUM COVER
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Care plan Standard Funeral
Plan
Comprehensive +
Funeral plan
Parents R50 000 R50 000 R50 000
Extended family R30 000 R30 000 R30 000
Maximum aggregate R70 000
The minimum cover for the Funeral Plan Range is R5000.
R 5 000 R10 000 R15 000 R20 000 R25 000
R30 000 R40 000 R50 000 R60 000 R70 000.

12. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE: FEATURES EXPLAINED
Who can be the premium payer for the Funeral Plan Range?
Premiums are payable by stop order from the customer’s pay slip or by debit order
from the bank account of:
The customer
The customer’s spouse
The employer of the customer (The employer cannot be the beneficiary if he/she is the
premium payer)
What is the Cash Back Benefit? (N/A for the Care Plan)
Standard Funeral Plan: After every 36 premiums received by Old Mutual, a
customer will get a cash back amount equal to 2 current premiums.
Comprehensive + Funeral Plan: After every 36 premiums received by Old Mutual,
a customer will get a cash back amount equal of 6 current premiums.
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13. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE: FEATURES EXPLAINED
How long is the waiting period for the Funeral plan Range?
Waiting period for natural causes death and suicide:
6 months from policy acceptance date.
If a covered life dies due to natural causes or suicide during the 6 month waiting
period the Money Back Guarantee applies.
Waiting period for accidental death:
No waiting period. Cover commences from policy acceptance date.
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14. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE: FEATURES EXPLAINED
What is the Terminal Illness Benefit? (N/A for the Care Plan)
50% of the benefit will be available after the policy has been in force for at least
10 years if:
Old Mutual’s Chief Medical officer confirms that a covered life is expected to die
within 12 months.
The benefit is in a active status.
No previous terminal illness payments was made from the policy.
The claim of this benefit is prior to the death of the life assured.
Please take note: The remaining 50% of the cover will remain active for as long as
the customer continues to pay premiums and it will pay out on the death of the
covered life.
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15. PRESENTATION TITLEPRESENTATION TITLE
COMPREHENSIVE+ FUNERAL PLAN: EXCLUSIVE FEATURES
How does the double accident cover work?
If a covered life dies due to accidental causes under a Comprehensive+ Funeral
Plan, double the cover amount will be paid for a valid claim. The double
accident cover applies to all covered lives except for stillborns.
The double accident cover is also available when the policy is in a paid-up status.
Example:
James covered is brother under Comprehensive + for R10 000. He also covered
his family for R15 000. He has two children ages 4 and 8.
If any of the people covered in the scenario above should die due to an
accident, the following amount will be paid:
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Brother: R10 000 × 2 = R20 000
4 year old child: R 15 000 × 25 % = R3750
R 3750 × 2 = R7500
8 year old child: R15 000 × 50% = R7500
R 7500 × 2 = R15 000
Please take note that you first need to calculate the percentage of
cover applicable to children according to their ages before you
calculate the double cover amount. It is very important to also
remember legislative limits for cover on the lives of children.

16. PRESENTATION TITLEPRESENTATION TITLE
COMPREHENSIVE+ FUNERAL PLAN: EXCLUSIVE FEATURES
Accidental death/disability
of policyholder
Any time after policy
acceptance date
100% Paid-up
Natural causes
death/disability of
policyholder
After 12 months
100% Paid-up
Policyholder stops paying
premiums
At age 65
100%-Paid-up

17. PRESENTATION TITLEPRESENTATION TITLE
COMPREHENSIVE+ FUNERAL PLAN: EXCLUSIVE FEATURES
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1. Jane dies after 2 months due to an accident.
The policy will become paid-up and Jane's two sisters will remain covered.
2. Jane dies after 6 months due to natural causes.
The policy will cease.
3. Jane becomes disabled after 2 years due to natural causes.
The policy will become paid-up and Jane's two sisters will remain covered.
Case study

18. PRESENTATION TITLEPRESENTATION TITLE
FUNERAL PLAN RANGE
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Cover & Premium tables