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1. Welcome to
AVBOB Dream Team
WAYS TO EARN
Financial freedom
is achieved when your hard work
meets a century-old industry leader
and a world-class system.
Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider.
FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za

2. What is
AVBOB Dream Team?
ABOUT US
• AVBOB Dream Team is a proudly South African network
marketing business brought to you by Africa’s largest
mutual assurance society, AVBOB.
• In operation for over 100 years, AVBOB has launched
an entrepreneurial and business channel for all South
Africans to earn by connecting people with AVBOB
through the AVBOB Cashback Funeral Cover* policy.
• AVBOB Dream Team is here to celebrate your glorious
life and to preserve your future generations.
*Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider.
FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za

3. In one calendar month, your Connection Bonus* will be calculated as follows:
FIVE WAYS TO EARN
1.CONNECTION BONUS* Successful connections = huge income
*Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider.
FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za
*The Connection Bonus is calculated based on all your successful connections
choosing a R220 monthly premium.
1 Successful connection 5 Successful connections 10 Successful connections 20 Successful connections
20% Connection Bonus 20% Connection Bonus 20% Connection Bonus 20% Connection Bonus
Income: R200 Income: R1 000 Income: R2 000 Income: R4 000

4. 2. VOLUME BONUS* The connect-more-and-earn-more bonus
FIVE WAYS TO EARN
*Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider.
FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za
1 Successful connection 5 Successful connections 10 Successful connections 20 Successful connections
No additional Volume Bonus Additional 10% Volume Bonus Additional 20% Volume Bonus Additional 20% Volume Bonus
Bonus: R0 Bonus: R500 Bonus: R2 000 Bonus: R4 000
Volume Bonus — Up to 20%
My Points Percentage
1 000 – 1 999 2%
2 000 – 2 999 4%
3 000 – 3 999 6%
4 000 – 4 999 8%
5 000 – 5 999 10%
6 000 – 6 999 12%
7 000 – 7 999 14%
8 000 – 8 999 16%
9 000 – 9 999 18%
10 000+ 20%
In one calendar month, your Volume Bonus* will be calculated as follows:
*The Volume Bonus is calculated based on all your successful connections
choosing a R220 monthly premium.
R1 = 1 Point

5. Ranks Matching Volume % Total Volume Bonus Matching Volume Earnings
Core 3 30% R16 000 R4 800
Core 7 40% R16 000 R6 400
Business Builder 50% R16 000 R8 000
Team Leader 60% R16 000 R9 600
Bronze Leader 70% R16 000 R11 200
Silver Leader 80% R16 000 R12 000
Gold Leader 90% R16 000 R14 000
Platinum Leader 100% R16 000 R16 000
3. MATCHING BONUS* Lead your Connectors to earn like a leader
• Rank up to Core 3 to unlock the Matching Bonus
• You help 4x direct recruits each earn R4 000 Volume Bonus, per month
• As a Core 3, you earn R4 800
• As a Platinum and above, you earn R16 000
*For rank qualifications, see page 8
*Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider. FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za
FIVE WAYS TO EARN

6. 4. BINARY BONUS* Earn whether you get out of bed or not
1. Depending on your rank, you earn a percentage of your Pay Leg's
total sales amount.
2. If you are a Gold Team Leader you qualify for an 8% Binary bonus,
and you earn up to a massive R32 000.
Ranks Percentage Binary pay-out cap
Business Builder 4% R4 000
Team Leader 5% R8 000
Bronze Leader 6% R12 000
Silver Leader 7% R16 000
Gold Leader 8% R32 000
Platinum Leader 9% R64 000
Ruby Leader 10% R80 000
Sapphire Leader 11% R100 000
Emerald Leader 12% R150 000
Diamond Leader 13% R200 000
Double Diamond Leader 14% R300 000
Triple Diamond Leader 15% R400 000
Crown Ambassador 16% R500 000
YOU
LEFT LEG SALES = R200 000
POWER LEG
RIGHT LEG SALES = R100 000
PAY LEG
*Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider. FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za
FIVE WAYS TO EARN

7. 5. POOL BONUS* Your 1% share of the company turnover
FIVE WAYS TO EARN
*Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider.
FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za
POOL BONUS
is paid out at
the end of
the 12-month
period

8. AVBOB DREAM TEAM RANKS
How to qualify for EACH RANK
Rank name Team size Minimum points per leg (12 months)
Active Connector You
Core 3 2 x Active Connectors in Level 1
Core 7 2 x Active Core 3s in Level 1
Business Builder 2 x Active Core 7s in Level 1 15 000
Team Leader 4 x Active Core 7s in Level 1 30 000
Bronze 6 x Active Core 7s in Level 1 50 000
Silver 8 x Active Core 7s in Level 1 100 000
Gold 10 x Active Core 7s in Level 1 150 000
Platinum 2 x Team Leaders + 8 x Core 7s in Level 1 200 000
Ruby 4 x Team Leaders + 6 x Core 7s in Level 1 300 000
Sapphire 6 x Team Leaders + 4 x Core 7s in Level 1 450 000
Emerald 8 x Team Leaders + 2 x Core 7s in Level 1 600 000
Diamond 10 x Team Leaders in Level 1 800 000
Double Diamond 10 x Bronze Team Leaders in Level 1 1 000 000
Triple Diamond 10 x Silver Team Leaders in Level 1 1 300 000
Crown Ambassador 10 x Gold Team Leaders in Level 1 1 700 000
Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider. FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za
No monthly maintenance fee is required. To remain active, refer one successful connection paying the R220 premium every three months.
R1 = 1 Point

9. AVBOB DREAM TEAM RANKS
BONUS EARNINGS PER RANK
Rank name Connection bonus Volume bonus Matching bonus Binary Bonus Binary pay-out cap Pool
Active Connector 20% 20%
Core 3 20% 20% 30%
Core 7 20% 20% 40%
Business Builder 20% 20% 50% 4% R4 000
Team Leader 20% 20% 60% 5% R8 000
Bronze 20% 20% 70% 6% R12 000
Silver 20% 20% 80% 7% R16 000
Gold 20% 20% 90% 8% R32 000
Platinum 20% 20% 100% 9% R64 000
Ruby 20% 20% 100% 10% R80 000
Sapphire 20% 20% 100% 11% R100 000
Emerald 20% 20% 100% 12% R150 000
Diamond 20% 20% 100% 13% R200 000
Double Diamond 20% 20% 100% 14% R300 000
Triple Diamond 20% 20% 100% 15% R400 000
Crown Ambassador 20% 20% 100% 16% R500 000 1%
Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider. FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za

10. Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider. FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za
BONUSES AND PAYMENT
How are the BONUSES CALCULATED and
when DO I GET PAID?
• AVBOB takes the new policyholder’s annual
premium amount and allocates a fixed portion of
that amount to the network’s income.
• The network earns bonuses based on personal
efforts, team efforts and qualifying rank.
• Once you begin generating successful
connections and building your teams, you will
begin earning huge bonuses each month.
• The best time of month to send leads to AVBOB
is between the 1st and 20th. Your leads must
then choose the premium pay date for that same
month. This will reduce the bonus payout
waiting period.
SEND LEAD
SEND LEAD
1 to 20 January
21 to 31 January
Anytime in January
February
February
March
1 March
1 April
1st PREMIUM PAYMENT
1st PREMIUM PAYMENT
BONUS AUDIT
BONUS AUDIT
BONUSES PAID
BONUSES PAID
Successful connection timeline to bonus pay-out

11. Terms and conditions apply. AVBOB Mutual Assurance Society is a licensed life insurer and authorised Financial Services Provider.
FSP 20656. AVBOB is a level 2 B-BBEE contributor. www.AVBOB.co.za