The document provides information about the Umanian Life Insurance Company, including:
1) The company aims to provide affordable and reliable life insurance that creates security for consumers. Its symbol features a padlock and ruby crystal representing security and strong goals.
2) The company will be located in Manila and led by 4th year business students as part of their feasibility study course.
3) It will offer competitive products while maintaining consumer security as its top priority.
The document provides information about the Umanian Life Insurance Company, including:
1) The company seal symbolizes security and dependability for consumers.
2) The company will be located in Manila and provides profiles of the board of directors and management team.
3) The document outlines the company's products, prices, promotions and competition in the life insurance market.
The document provides information about Umanian Life Insurance Company, including:
1. The company seal symbolizes providing security to consumers with a never-ending lock and achieving goals while maintaining consumer security as a priority with a ruby red crystal.
2. The company's main office is located in Manila.
3. The proponents formed the company to fulfill a school feasibility study requirement and provide affordable, reliable life insurance for people. They will comprise the board of directors.
Craig Feldman has over 25 years of experience in the insurance and financial services industries. He has held roles in direct sales, business development, and account management. Currently, he is seeking a new opportunity in corporate sales and is eager to contribute as a valued team player. He has extensive experience with a variety of products including life insurance, health insurance, income protection, and retirement planning.
Resolution Insurance Ltd is a medical insurance provider in Tanzania that utilizes managed care principles. It provides access to comprehensive healthcare through its network of over 650 medical service providers across East Africa. Resolution Insurance spreads risk across its over 60,000 members to offer a wide range of benefit plans at affordable premiums. It is well capitalized and fully insured, with professional indemnity coverage to protect members.
Maxicare shall reimburse 80% of the Hospital Bills and Professional Fees, based on Maxicare standard rates up to P30,000/availment/member/year for the 1st 24 hours of emergency treatment in a non-accredited hospital within the Philippines. For emergencies outside the Philippines, reimbursement is subject to prior approval from Maxicare.
This document outlines a presentation for Maxicare's healthcare products and services. It begins with introducing the need for healthcare and benefits of a healthcare program. It then discusses Maxicare as the #1 healthcare provider, highlighting their value offerings like a vast network of providers and services. The presentation reviews Maxicare's diverse product portfolio and program provisions/guidelines. It also covers the agent's benefits and incentives program as well as the objectives of familiarizing agents with Maxicare's products and services.
Purple cow eb for sme 2012 (sales presentation)thepurplecowph
The document discusses a unique employee benefits product called Purple Cow that provides multiple layers of protection through group life, accident, and health insurance benefits in one package. It aims to provide financial security for both employers and employees of small and medium enterprises. Key benefits include life insurance up to 5 times monthly basic salary, accident coverage, access to an extensive healthcare network with no cash out requirements, and optional dental and physical exam coverage.
The document provides information about the Umanian Life Insurance Company, including:
1) The company seal symbolizes security and dependability for consumers.
2) The company will be located in Manila and provides profiles of the board of directors and management team.
3) The document outlines the company's products, prices, promotions and competition in the life insurance market.
The document provides information about Umanian Life Insurance Company, including:
1. The company seal symbolizes providing security to consumers with a never-ending lock and achieving goals while maintaining consumer security as a priority with a ruby red crystal.
2. The company's main office is located in Manila.
3. The proponents formed the company to fulfill a school feasibility study requirement and provide affordable, reliable life insurance for people. They will comprise the board of directors.
Craig Feldman has over 25 years of experience in the insurance and financial services industries. He has held roles in direct sales, business development, and account management. Currently, he is seeking a new opportunity in corporate sales and is eager to contribute as a valued team player. He has extensive experience with a variety of products including life insurance, health insurance, income protection, and retirement planning.
Resolution Insurance Ltd is a medical insurance provider in Tanzania that utilizes managed care principles. It provides access to comprehensive healthcare through its network of over 650 medical service providers across East Africa. Resolution Insurance spreads risk across its over 60,000 members to offer a wide range of benefit plans at affordable premiums. It is well capitalized and fully insured, with professional indemnity coverage to protect members.
Maxicare shall reimburse 80% of the Hospital Bills and Professional Fees, based on Maxicare standard rates up to P30,000/availment/member/year for the 1st 24 hours of emergency treatment in a non-accredited hospital within the Philippines. For emergencies outside the Philippines, reimbursement is subject to prior approval from Maxicare.
This document outlines a presentation for Maxicare's healthcare products and services. It begins with introducing the need for healthcare and benefits of a healthcare program. It then discusses Maxicare as the #1 healthcare provider, highlighting their value offerings like a vast network of providers and services. The presentation reviews Maxicare's diverse product portfolio and program provisions/guidelines. It also covers the agent's benefits and incentives program as well as the objectives of familiarizing agents with Maxicare's products and services.
Purple cow eb for sme 2012 (sales presentation)thepurplecowph
The document discusses a unique employee benefits product called Purple Cow that provides multiple layers of protection through group life, accident, and health insurance benefits in one package. It aims to provide financial security for both employers and employees of small and medium enterprises. Key benefits include life insurance up to 5 times monthly basic salary, accident coverage, access to an extensive healthcare network with no cash out requirements, and optional dental and physical exam coverage.
El documento proporciona los correos electrónicos de contacto A.Rodriguez@Envik.es y J.Ramos@Envik.es repetidamente a lo largo de 20 páginas, sugiriendo que el propósito es proveer información de contacto para solicitar presupuestos de la compañía Envik.
El documento describe las características de la Web 2.0, incluyendo que permite la inteligencia colectiva y actualizaciones constantes de software, y da ejemplos de elementos como blogs, wikis, redes sociales, YouTube, Scribd, Prezi y SlideShare. También explica la diferencia entre la Web 1.0, con contenido limitado y páginas estáticas, y la Web 2.0, con facilidad de renovar contenido y tecnología como Java.
San Petersburgo es una ciudad rica en historia y cultura, conocida por sus palacios y museos. Fundada por Pedro el Grande a orillas del río Neva a principios del siglo XVIII, la ciudad fue la capital del Imperio Ruso durante más de 200 años. En la actualidad, San Petersburgo sigue siendo un destino turístico popular para quienes desean explorar su arquitectura única y legado artístico.
El documento habla sobre el Festival Folclórico de Avilés que se celebró en 2010. Se realizaron varios eventos culturales como conciertos, exhibiciones y representaciones teatrales para promover la cultura tradicional de la región. El festival atrajo a muchos visitantes a la ciudad de Avilés.
Alexandría fue una ciudad fundada por Alejandro Magno en Egipto en el siglo IV a.C. que se convirtió en un importante centro de comercio, cultura e investigación con su famosa Biblioteca de Alejandría. La ciudad prosperó bajo el dominio griego y romano pero eventualmente entró en declive.
La Défense es el distrito financiero y de negocios más importante de París. Se encuentra al oeste de la ciudad y es conocido por sus rascacielos modernos y arquitectura vanguardista. El documento proporciona el título "La Défense" y las iniciales "F. Ovies", lo que sugiere que trata sobre este distrito de París desde la perspectiva de un autor llamado F. Ovies.
The document provides presentation notes for a talk given to IAB Mexico. The key points are:
1) The presenter will review what works to build brands online by focusing on metrics beyond direct response like click-through rates.
2) While click-through continues to dominate online marketing, research shows that online ads can build brands similarly to other media and creativity remains important.
3) Large format ads like billboards have been shown to be most effective at moving metrics like awareness and purchase intent, reinforcing the message that "bigger is better" for online brand building.
Actividad de recopilación de canciones con nombres propios realizada en el CEIP Rodrigo Dávila Martín de Castañar de Ibor (Cáceres) durante el curso 2013/2014
Stradewarie Abschlusskonferenz - Forum Personalpolitik - Vortrag Michael Bohr...rkwkompetenzzentrum
Das Projekt
Das FuE-Projekt stradewari beschäftigte sich mit der Frage, wie sich unter verschärften Wettbewerbsbedingungen und angesichts einer zunehmend schwierigeren Personalsituation eine hoch leistungsfähige, konkurrenzfähige Industrieproduktion in Deutschland erhalten lässt.
stradewari konzentrierte sich dabei auf die Möglichkeiten und Voraussetzungen zur Verbesserung der internen Flexibilität von produzierenden Unternehmen, deren stabilisierendes Element – so die geteilte Ausgangsannahme des Vorhabens und die gemeinsame Erfahrung der Verbundpartner – die individuelle und organisationale Kompetenzentwicklung ist.
This short document contains a link and encourages the reader to click on it to access or obtain something. No other context is provided about what would be received by clicking the link or any other details.
What Top-Tier Industries Are Telling Us About Building Relationships Through Social Media, Mobile Solutions, Big Data, Interactive Technology and Online Marketing.
París es una ciudad hermosa y vibrante que nunca duerme. El autor pasó una noche caminando por las calles de París, disfrutando de la arquitectura histórica y la cultura única que impregna cada rincón de la ciudad. Aunque la mayoría de las tiendas y restaurantes estaban cerrados a altas horas de la noche, la ciudad se sentía viva y llena de posibilidades.
Pontevedra es una ciudad española en Galicia. F. Ovies es un residente de Pontevedra que escribió una carta. La carta no proporciona ningún otro detalle sobre su contenido.
The document describes the services provided by Portage, a residential drug rehabilitation organization in Quebec. It outlines several residential and outpatient programs for adolescents, adults, mothers and children, and those with mental illness. The programs aim to help participants eliminate drug abuse, develop life skills, and successfully reintegrate into the community through a therapeutic community approach. Aftercare services are also provided to support participants after completing residential programs.
This short document contains a link and encourages the reader to click on it to access or obtain something. No other context is provided about what would be accessed or obtained by clicking the link.
Access to Opportunities Event PresentationJoanne Cooper
South Yorkshire Passenger Transport Executive met with local businesses and agencies at an event to mark the end of the Access to Opportunities project aimed at using sustainable transport to access jobs, education and training. It showcased the key elements of the project - dedicated travel advice, enhanced bus services, and the discounted loan of scooters. It also gave attendees the opportunity to find out about the on-going support available to help people in South Yorkshire get into jobs, education and training. For more information visit travelsouthyorkshire.com/traveladvice
Encerramento 2013: Apresentações do 1º ao 5º ano no Centro de ConvençõesFrancis Torres
O documento apresenta um relatório escolar de um aluno chamado Pedro José Rufino do jardim de infância de 2013. O relatório contém informações sobre o desenvolvimento do aluno do 1o ao 5o ano.
AIA General Insurance Lanka Limited is a fully owned subsidiary of AIA Insurance Lanka PLC, providing general insurance solutions in Sri Lanka. It was established in 1988 as Eagle Insurance Company Limited and transformed over time, being acquired by AIA in 2012. The document discusses AIA's vision, organizational structure, products and services. It provides an overview of AIA's individual and business insurance solutions covering areas such as motor, health, employee benefits, asset protection, and marine cargo insurance. It also outlines the company's accolades and commitment to corporate social responsibility.
Acting presentation about Zurich insurance use only in classKageri Rajid
This document provides an overview of Zurich Insurance Malaysia Berhad's products and services. It introduces the company and its mission to help Malaysians achieve financial freedom through high-quality insurance offerings. A range of individual life, health, motor, and other insurance products are described. Presentation materials provide details on key individual life products like Smartlife Pro and MedicaGen 200. Claims procedures and contact information are also included to facilitate interactions with customers.
1) Apollo Munich Health Insurance Co. Ltd. provides health insurance and aims to make quality healthcare easy and accessible through simple policies, transparent procedures, and innovative products.
2) Healthcare spending in India is projected to increase significantly from $42 billion in 2010 to $280 billion in 2020 due to rising lifestyle diseases, enhanced hospital quality, and increasing incomes.
3) Health insurance protects people from having to reduce savings, borrow money, compromise on treatment, or do nothing when faced with high medical costs for quality treatment. It allows people to access cashless treatment at Apollo Munich's network of hospitals and healthcare providers.
El documento proporciona los correos electrónicos de contacto A.Rodriguez@Envik.es y J.Ramos@Envik.es repetidamente a lo largo de 20 páginas, sugiriendo que el propósito es proveer información de contacto para solicitar presupuestos de la compañía Envik.
El documento describe las características de la Web 2.0, incluyendo que permite la inteligencia colectiva y actualizaciones constantes de software, y da ejemplos de elementos como blogs, wikis, redes sociales, YouTube, Scribd, Prezi y SlideShare. También explica la diferencia entre la Web 1.0, con contenido limitado y páginas estáticas, y la Web 2.0, con facilidad de renovar contenido y tecnología como Java.
San Petersburgo es una ciudad rica en historia y cultura, conocida por sus palacios y museos. Fundada por Pedro el Grande a orillas del río Neva a principios del siglo XVIII, la ciudad fue la capital del Imperio Ruso durante más de 200 años. En la actualidad, San Petersburgo sigue siendo un destino turístico popular para quienes desean explorar su arquitectura única y legado artístico.
El documento habla sobre el Festival Folclórico de Avilés que se celebró en 2010. Se realizaron varios eventos culturales como conciertos, exhibiciones y representaciones teatrales para promover la cultura tradicional de la región. El festival atrajo a muchos visitantes a la ciudad de Avilés.
Alexandría fue una ciudad fundada por Alejandro Magno en Egipto en el siglo IV a.C. que se convirtió en un importante centro de comercio, cultura e investigación con su famosa Biblioteca de Alejandría. La ciudad prosperó bajo el dominio griego y romano pero eventualmente entró en declive.
La Défense es el distrito financiero y de negocios más importante de París. Se encuentra al oeste de la ciudad y es conocido por sus rascacielos modernos y arquitectura vanguardista. El documento proporciona el título "La Défense" y las iniciales "F. Ovies", lo que sugiere que trata sobre este distrito de París desde la perspectiva de un autor llamado F. Ovies.
The document provides presentation notes for a talk given to IAB Mexico. The key points are:
1) The presenter will review what works to build brands online by focusing on metrics beyond direct response like click-through rates.
2) While click-through continues to dominate online marketing, research shows that online ads can build brands similarly to other media and creativity remains important.
3) Large format ads like billboards have been shown to be most effective at moving metrics like awareness and purchase intent, reinforcing the message that "bigger is better" for online brand building.
Actividad de recopilación de canciones con nombres propios realizada en el CEIP Rodrigo Dávila Martín de Castañar de Ibor (Cáceres) durante el curso 2013/2014
Stradewarie Abschlusskonferenz - Forum Personalpolitik - Vortrag Michael Bohr...rkwkompetenzzentrum
Das Projekt
Das FuE-Projekt stradewari beschäftigte sich mit der Frage, wie sich unter verschärften Wettbewerbsbedingungen und angesichts einer zunehmend schwierigeren Personalsituation eine hoch leistungsfähige, konkurrenzfähige Industrieproduktion in Deutschland erhalten lässt.
stradewari konzentrierte sich dabei auf die Möglichkeiten und Voraussetzungen zur Verbesserung der internen Flexibilität von produzierenden Unternehmen, deren stabilisierendes Element – so die geteilte Ausgangsannahme des Vorhabens und die gemeinsame Erfahrung der Verbundpartner – die individuelle und organisationale Kompetenzentwicklung ist.
This short document contains a link and encourages the reader to click on it to access or obtain something. No other context is provided about what would be received by clicking the link or any other details.
What Top-Tier Industries Are Telling Us About Building Relationships Through Social Media, Mobile Solutions, Big Data, Interactive Technology and Online Marketing.
París es una ciudad hermosa y vibrante que nunca duerme. El autor pasó una noche caminando por las calles de París, disfrutando de la arquitectura histórica y la cultura única que impregna cada rincón de la ciudad. Aunque la mayoría de las tiendas y restaurantes estaban cerrados a altas horas de la noche, la ciudad se sentía viva y llena de posibilidades.
Pontevedra es una ciudad española en Galicia. F. Ovies es un residente de Pontevedra que escribió una carta. La carta no proporciona ningún otro detalle sobre su contenido.
The document describes the services provided by Portage, a residential drug rehabilitation organization in Quebec. It outlines several residential and outpatient programs for adolescents, adults, mothers and children, and those with mental illness. The programs aim to help participants eliminate drug abuse, develop life skills, and successfully reintegrate into the community through a therapeutic community approach. Aftercare services are also provided to support participants after completing residential programs.
This short document contains a link and encourages the reader to click on it to access or obtain something. No other context is provided about what would be accessed or obtained by clicking the link.
Access to Opportunities Event PresentationJoanne Cooper
South Yorkshire Passenger Transport Executive met with local businesses and agencies at an event to mark the end of the Access to Opportunities project aimed at using sustainable transport to access jobs, education and training. It showcased the key elements of the project - dedicated travel advice, enhanced bus services, and the discounted loan of scooters. It also gave attendees the opportunity to find out about the on-going support available to help people in South Yorkshire get into jobs, education and training. For more information visit travelsouthyorkshire.com/traveladvice
Encerramento 2013: Apresentações do 1º ao 5º ano no Centro de ConvençõesFrancis Torres
O documento apresenta um relatório escolar de um aluno chamado Pedro José Rufino do jardim de infância de 2013. O relatório contém informações sobre o desenvolvimento do aluno do 1o ao 5o ano.
AIA General Insurance Lanka Limited is a fully owned subsidiary of AIA Insurance Lanka PLC, providing general insurance solutions in Sri Lanka. It was established in 1988 as Eagle Insurance Company Limited and transformed over time, being acquired by AIA in 2012. The document discusses AIA's vision, organizational structure, products and services. It provides an overview of AIA's individual and business insurance solutions covering areas such as motor, health, employee benefits, asset protection, and marine cargo insurance. It also outlines the company's accolades and commitment to corporate social responsibility.
Acting presentation about Zurich insurance use only in classKageri Rajid
This document provides an overview of Zurich Insurance Malaysia Berhad's products and services. It introduces the company and its mission to help Malaysians achieve financial freedom through high-quality insurance offerings. A range of individual life, health, motor, and other insurance products are described. Presentation materials provide details on key individual life products like Smartlife Pro and MedicaGen 200. Claims procedures and contact information are also included to facilitate interactions with customers.
1) Apollo Munich Health Insurance Co. Ltd. provides health insurance and aims to make quality healthcare easy and accessible through simple policies, transparent procedures, and innovative products.
2) Healthcare spending in India is projected to increase significantly from $42 billion in 2010 to $280 billion in 2020 due to rising lifestyle diseases, enhanced hospital quality, and increasing incomes.
3) Health insurance protects people from having to reduce savings, borrow money, compromise on treatment, or do nothing when faced with high medical costs for quality treatment. It allows people to access cashless treatment at Apollo Munich's network of hospitals and healthcare providers.
Business Cover Expert: A Guide to Business Life InsuranceSarah Beldon
Our guide to Business Life Insurance helps customers understand which policy will suit them and their business. We look into Key Man Insurance, Relevant Life Cover, Partnership Protection and Shareholder Protection to help you work out if you're eligible, what benefits you can get from the policy and how it can help protect you, your business and your employees. With Business Cover Expert, we help to advise and guide you on the best life insurance policies for your business. We make sure you get a tailored policy to suit your exact requirements.
Our guide to Business Life Insurance helps customers understand which policy will suit them and their business. We look into Key Man Insurance, Relevant Life Cover, Partnership Protection and Shareholder Protection to help you work out if you're eligible, what benefits you can get from the policy and how it can help protect you, your business and your employees. With Business Cover Expert, we help to advise and guide you on the best life insurance policies for your business. We make sure you get a tailored policy to suit your exact requirements.
The company provides various medical support services like emergency response and medical evacuation to remote locations for corporate clients. It aims to provide affordable health insurance to ordinary Kenyans through its Jawabu program. Jawabu offers a plan that costs 11520 Kenyan Shillings annually and provides coverage through a health savings account, risk pooling, and contributions to the National Hospital Insurance Fund. The application and enrollment process involves filling forms, financing options, activation, and issuance of ID cards to members.
Takaful in the Mediterranean Coming of Age by Mukti Ramli - II Islamic Finan...ASCAME
Takaful of Islamic Insurance in the Mediterranean: A Coming Age
What will attract foreign investment into the Mediterranean insurance market? Takaful- an opportunity for the Mediterranean- Learning best practices to do business
Where is Takaful today? What is the opportunity?
The II Islamic Finance Summit was held in the framework of the VIII Mediterranean Week of Economic Leaders organized by ASCAME and the Chamber of Commerce and Industry of Barcelona
Accident & Health International is an underwriting agency that provides personal accident, medical, and travel insurance. It has been in operation since 1998 and underwrites policies on behalf of CGU. It offers a range of products including corporate and leisure travel insurance, kidnap and ransom insurance, expatriate and inpatriate medical expenses, and various personal accident covers. The agency aims to provide the right insurance coverage and excellent customer service, with claims and underwriting staff working closely together. It promises a 48-hour turnaround on quotes, claims responses, and support for brokers and customers.
Ms. Rima Antonios was the speaker with PMI Lebanon Chapter for November 2019 and delivered a lecture about the Hidden Insurance Policies in Projects.
PMI Lebanon Chapter Monthly Talk
UNFCU Financial Advisors provides financial advisory and insurance services to individuals and organizations globally. It has offices in New York, Washington D.C., Geneva, and Vienna. It offers a range of employee benefits, health management programs, insurance policies, investment management, and other financial services to support clients worldwide.
Zurich Vista - Meeting the costs of educationSofia Watson
This document provides information on the costs of studying for a 4-year bachelor's degree in business in Singapore, the UK, USA, and Australia. It details the breakdown of tuition fees, living expenses, travel costs, and other costs. The total costs range from about $132,000 in Singapore to $183,000 in Australia. It also notes that only 45% of Singaporean parents feel financially prepared for their children's education.
Four experts in risk mitigation and financial strategy give their key steps and approach to managing risk. Presented as part of Rising Tides Alliance Business Networking Group
Corporate Benefits Brochure October 2014 emailDermot Monaghan
The document discusses Corporate Benefit Solutions provided by Infinity Corporate Benefits Ltd. It summarizes their services including group health insurance, life insurance, pension plans, and travel insurance. It states that Infinity receives compensation directly from product providers, does not charge fees for initial consultations, and only charges clients with prior approval. It also notes that Infinity has a global network of partner providers and is registered in the Republic of Seychelles.
The document is a benefits booklet for employees of the Town of Davie. It provides summaries of the town's benefit plans and contact information in 3 pages and 16 sections. Benefit plans include medical insurance through United Healthcare, dental and vision coverage through Humana, life and disability insurance, and voluntary supplemental plans. It announces changes for 2016 like a $500 rollover limit for flexible spending accounts and plan design changes to UNUM disability insurance.
C.PARAMASIVAN ,PERIYAR EVR COLLEGE , TIRUCHIRAPPALLI indian consumer demeano...chelliah paramasivan
This document summarizes a study on factors influencing Indian consumers' decisions to invest in life insurance. It finds that the most important factors are:
1) Demographic factors like education, income, family size, and employment have a major influence, with more educated, higher income, and larger families more likely to invest.
2) Tax benefits are ranked as the most important reason for consumers to invest in life insurance.
3) Reputation of the insurance company is the most important attribute looked for by consumers when choosing a policy.
This document discusses factors influencing Indian consumers' decisions to invest in life insurance. It finds that demographic factors like education, income, family size, and employment have a major impact. Specifically, it finds that education increases understanding of insurance needs, higher income allows for greater insurance purchasing, larger families increase needs for protection, and employment makes insurance more affordable. Additionally, the study finds that tax benefits are the primary reason consumers invest in life insurance, followed by risk coverage and savings opportunities. Overall, the document analyzes what drives Indian consumers' life insurance purchasing behaviors and investment decisions.
This document provides information about Assurity Life Insurance Company and its product portfolio offered through Assurity at Work. It discusses Assurity's financial strength and stability, with over $2.45 billion in assets and an A- rating from A.M. Best. The document then summarizes several insurance products offered, including accident, hospital indemnity, cancer, critical illness, term life and disability income policies. It highlights benefits, coverage amounts, underwriting approaches and issue ages for each product.
Lonpac Insurance Bhd is Malaysia's largest non-life insurer that offers both personal and business insurance products. It aims to be the preferred insurance provider through innovative products and excellent customer service. Lonpac provides a wide range of insurance policies like health, fire, motor, personal accident, bond, engineering, marine, and liability insurance. It distributes policies through agents across its 21 branches nationwide. Lonpac is highly rated for its strong capitalization and consistent financial performance.
2. The Umanian Life Insurance Company Seal
comprises of a padlock embedded within a ruby red
crystal. The lock symbolizes the company’s never
ending efforts to provide security to its consumers;
creating a safe and dependable partner in life for all
people. The ruby red crystal symbolizes the strong
desire of the company to put forward and achieve its
goals, all the while maintaining consumer security as
its main priority.
3. Company Location-Vicinity Map
The company Main Office shall be located in 801 TRP Building,
G. Puyat Street Corner Quezon Boulevard, Quiapo Manila.
6. Management Profile
A. Proponents
The proponents in this study resolved to meet and formulate this company in
order to fulfill the requirements for the collegiate subject of (Feasibility Study)
and in order to provide an affordable and reliable option for the people. They
are all 4rth Year Students, all of whom are taking up the course of Bachelor of
Science In Business Administration, Majoring in Financial Management in the
University of Manila. These proponents shall consist the Board of Directors and
the Executive Committee.
Proponents Address Contact
Number
% of Stock
Owned
Mecina, Meciel M. 4460 Block 8 Sawata Dagat-dagatan
Maypajo Caloocan City
09232298586 10%
Solo, Cely C. 1A Magsaysay St. Tondo Manila 09997671516 10%
Sarreal, Glenalyn A. 21 Sampaguita St., Brgy. A. Samson,
Quezon City
09308922188 10%
Campos, Jezil B. 25 1st Ave. Bagumbayan Taguig City 09215460854 10%
7. Management Profile
B. Management
Management is the act of directing and controlling a large
group of people for the purpose of coordinating and
harmonizing the group towards accomplishing a goal beyond
the scope of individual effort. Management encompasses the
deployment and manipulation of human resources, financial
resources, technological resources, and natural resources.
Management also refers to the person or people who perform
the act of management. The officers of the business, as
assigned by the board of directors, comprise the main
management body of the Umanian Life Insurance Company.
8. Management Profile
Officers of the
Business
Qualifications
CEO Must hold a Ph.D.
Must be an experienced business leader, business manager and business
consultant
Must have an entrepreneurial spirit and a bias for action
Must maintain an attitude of openness and flexibility, and have a consistent
sense of urgency
Vice-President for
Finance
Preferably have a masters degree in Accounting and is a CPA
Must know how to control large amounts of money
Vice-President for
Marketing
Preferably have a masters degree in Advertising
Must have ample experience in dealing with the media
Vice-President for
Personnel &
Management
Preferably have a masters degree in Human Resource Management
Must know how to assert oneself and deal with personnel problems
Must be very good with associating with both employees and clients
Vice-President for
Technical Facilities
Preferably have a masters in engineering and must be a licensed Engineer
Must be confident and know how to keep work efficiency
Vice-President for
Legal Affairs
Preferably have a masters degree in Law and is a member of the Bar
Must be legally competent and must be aware of all current issues, especially
those pertaining to the company
10. Competition
The following companies are considered as
business competition:
Malayan Insurance Company Incorporated
Insular Life Incorporated
Phil-Am Life Incorporated
SunLife Company Incorporated
Standard Insurance Company Incorporated
13. Place
METRO MANILA BRANCHES
1. Alabang, Muntinlupa
2. Balintawak, Kalookan City
3. Binondo, Manila
4. Cubao, Quezon City
5. Makati City
6. Marikina City
7. Paco, Manila
8. Quezon Avenue, Quezon City
14. Products
Malayan's Personal Accident Insurance Policies
provide monetary compensation for expenses or
loss of income brought about by death or bodily
injury arising from an accident.
Each of Malayan's accident policies has been
designed to provide the following basic benefits:
Accidental Death and Dismemberment
Weekly Indemnity – Accident: This benefit is optional
and is intended to restore part of the loss of income of
the insured during disability caused by an accident.
Medical Reimbursement: This benefit is optional except
when it is included in the basic coverage. It reimburses
the insured for actual medical expenses for injuries
sustained as a result of a covered accident.
15. Products
The Rajah Personal Accident Insurance
The Rajah is an accident insurance plan that provides
the insured with 24-hour, year-round protection
worldwide. It guarantees full insurance benefits for
accidental death and dismemberment, full schedule of
benefits for permanent disablement or dismemberment,
indemnity for accidental loss incurred during air travel,
protection against loss of income and medical expenses,
murder or unprovoked assault or both. Plus, the insured
gets a renewal bonus. Upon annual renewal of the policy,
the original sum is increased by 5% each year up to five
consecutive years for the first P100,000, whether a claim is
presented or not.
16. Products
Family Plan
This plan extends accident insurance protection
to the insured and the immediate members of his
family. Considered as immediate members of your
family are: If the insured is single, his parents (not over
60) and his unmarried sisters and brothers (ages 1 to
19); If the insured is married, his spouse (not over 60)
and unmarried children (ages 1 to 19).
17. Products
Travel master Insurance
Travel Master provides the insured with the most
comprehensive protection against accidents, sickness and
other travel related problems. With just one call to any of
the emergency service centers worldwide, he will be
provided with immediate assistance for emergency medical
evaluation, and even language interpreter services. He will
also be protected against delays or loss of baggage.This
policy is ideal for the frequent traveler. Coverages include
Accidental Death, Dismemberment and/or Disablement,
Medical Reimbursement, Hospital Expenses (Sickness),
Strikes and Aircraft Skyjacking, Baggage Delay Benefit and
Loss of Baggage. Plus, worldwide travel assistance through
the AEA International SOS Assistance Philippines, Inc.
18.
19. Place
Metro Manila and GA Sales
HEAD OFFICE
INSULAR LIFE CORPORATE CENTRE
Insular Life Corporate Centre Insular Life Drive,
Filinvest Corporate City
1781 Alabang, Muntinlupa CityTel: (632) 582-1818
METRO NORTH
Metro North Regional Office
G/F, Crispina Bldg. 1589 Quezon Avenue, QCTel: 426-9734
Quezon Avenue District Sales Office
G/F, Crispina Bldg. 1589 Quezon Avenue, QCTel: 926-1357, 410-5117/5118, 426-9744, 926-
1355, 929-5166 Fax: 926-1355
Caloocan District Office
Insular Life Bldg.,
462 EDSA near Boni Serrano St., Kalookan CityTel: 367-6990, 362-4720, 361-8612
Fax: 367-6991
Greenhills District Office
4/F Quadstar Bldg., 80 Ortigas Ave., Greenhills San JuanTel: 705-1611, 726-9922, 721-6908
Fax: 721-6904
20. Place
METRO CENTRAL
Metro Central Regional Office 3/F Insular Life Bldg.
6781 Ayala Avenue, Makati CityTel: 878-1818 local 5617, 5618, 5132
Fax: 817-2549
Chinatown Office7/F, Cu Unjieng Center,
Dasmariñas cor. Quintin Paredes Sts.
Binondo, ManilaTel: 243-8415, 241-5472
Fax: 247-0865, 241-5439
Binondo District Sales Office7/F, Cu Unjieng Center,
Dasmariñas cor. Quintin Paredes Sts.
Binondo, ManilaTel: 247-7244, 247-7042
New Escolta District Sales Office7/F, Cu Unjieng Center,
Dasmariñas cor. Quintin Paredes Sts.
Binondo, ManilaTel: 241-5471
Manila Central OfficeUnit G2, G/F Marc 2000 Tower 1973
Taft Avenue cor San Andres St.
Malate ManilaTel: 525-7539, 525-2937, 536-5608, 522-7539
Fax: 536-9049Malate District Sales OfficeUnit G2, G/F Marc 2000 Tower 1973
Taft Avenue cor San Andres St.
Malate ManilaTel: 526-2137
Makati Central Office2/F Insular Life Bldg.,
6781 Ayala Avenue, Makati CityTel: 812-2683, 878-1818 local 4061, 4099, 5064, 4066
Fax: 894-3638, 818-2362
Buendia Central Office2/F Insular Life Bldg.,
6781 Ayala Avenue, Makati CityTel: 819-3776 Fax: 840-4044
Legaspi Village District Sales Office2/F Insular Life Bldg.,
6781 Ayala Avenue, Makati CityTel: 817-9757 Fax:
21. Products
I-Shield is an affordable and simple issue accident insurance plan that ensures
you are provided with the necessary cover on your life or limbs in case of accidents. The
plan also ensures your family is left with an amount to cover expenses in case something
happens to the insured due to natural causes.
Consider the advantages of I-Shield:
Easy on the budget
At P8.00 per day, you and your family are covered against any lost income brought about
by the insured's accident.
*For Plan 300
Extensive accident coverage
I-Shield provides benefits for hospital, ICU confinement, as well as surgery that may
result from an accident.
Supplemental income protection
Should the insured's demise be due to a non-accident related event, a lump sum benefit
will still be given to the beneficiaries to fund any immediate need.
Easy to avail
I-Shield is a simple issue product. There is no need to submit any documents or undergo
any medical check to avail of the plan.
22. Products
Ang I-Assure Sulit ay nagbibigay ng lifetime protection sa halagang abot
kaya. Ito ay handog ng pinakamalaki at pinakamatatag na Filipino life
insurance company, Insular Life. Sa I-Assure Sulit, makasisiguro kang nasa
mabuting kamay ang kinabukasan ng iyong pamilya.
Alamin ang maaaring idulot ng I-Assure Sulit:
Sulit sa bulsa
Sa halagang P35 kada araw*, protektado ang pamilya mo anuman ang
mangyari sa iyo.
*Para sa face amount na P300,000, age 30.
Sulit sa proteksyon
Sa I-Assure Sulit, lifetime ang proteksyon mo. Wala ka nang aalahanin
pa dahil alam mong may nakalaan na pondo para sa iyong mga mahal sa buhay
anuman ang mangyari sa iyo.
Sulit at maaasahan
Ang I-Assure Sulit ay produkto ng Insular Life, ang pinakamalaking
Filipino life insurance company na may 100 taong paninilbihan sa pamilyang
Pilipino. Patuloy nitong pinangangalagaan ang pinansyal na seguridad ng
bawat Pilipino.
23.
24. Place
Sun Life of Canada (Philippines), Inc.
12/F, Tower 2, Enterprise Center
6766 Ayala Avenue Corner Paseo de Roxas Makati City, Philippines
Tel. No. (632) 886-6188 (Trunk Line)
Fax No. (632) 849-9686 (Marketing)
Sun Life Asset Management Company, Inc.
15/F, Tower 2, Enterprise Center
6766 Ayala Avenue Corner Paseo de Roxas Makati City, Philippines
Tel. No. (632) 886-6188 (Trunk Line)
Fax No. (632) 849-9744/849-9758
Sun Life Financial Plans, Inc.
12/F, Tower 2, Enterprise Center
6766 Ayala Avenue Corner Paseo de Roxas Makati City, Philippines
Tel. No. (632) 886-6188 (Trunk Line)
Customer Care Center, Sun Link (Call Center)
10th Flr., The Enterprise Center Tower 2,
6766 Ayala Avenue cor. Paseo de Roxas, Makati City
Tel. No. (632) 849-9888
25. Place
Sun Life Financial Store Binondo
G/F Sun Life Financial Center Binondo, Dasmarinas corner Quintin Paredes Sts. Binondo, Manila
Tel. No. (632) 247-9454
Fax No. (632) 247-9426
Sun Life Financial Store Cebu
G/F Innove Plaza Building Panay Rd. cor. Samar Loop Cebu Business Park, Cebu City 6000
Tel. No. (032) 415-8540
Fax No. (032) 415-8564
Sun Life Financial Store Greenhills
G/F E Square Building 416 Ortigas Ave., San Juan, Metro Manila
Tel No. (632) 719-3997
Sun Life Financial Store Makati
Ground Flr, BA Lepanto Bldg.
8747 Paseo de Roxas, Makati City
Tel No. (632) 813-7229
Sun Life Financial Store Quezon City
G/F Orcel II Building
1611 Quezon Ave, Quezon City
Tel. No. (632) 448-6515
26. Products
Sun Life Philippines has a wide range of variable life
insurance plans designed to meet both your insurance
and investment needs. All our plans offer financial
protection, but, depending on your needs you can
choose a plan that either allows you to invest in
selected global equities, choose where your premium
payments will be invested depending on your risk
appetite, and allows our investment professionals to
maximize growth potential for your money.
27. Products
Sun FlexiLink
The Sun FlexLink is a peso-denominated variable life
insurance plan that provides financial protection PLUS the
flexibility to choose where your premium payments will be
invested. Our top-notch investment professionals will
carefully invest a portion of the premiums you pay – so you
get the best out of your hard-earned peso.
Sun FlexiLink1
Sun FlexiLink1 is a single pay peso denominated variable
life insurance plan that provides financial protection PLUS
the flexibility to choose where your premium will be
invested. Our top-notch investment professionals will
carefully invest a portion of the premium you pay – so you
get the best out of your hard-earned peso.
28. Products
Sun MaxiLink Prime
The Sun MaxiLink Prime is a peso denominated variable
life insurance plan that provides financial protection PLUS
a potential source of savings that can fund future needs like
retirement income through its investment earnings. There
are 5 funds to choose from where your premium payments
will be invested in. These funds are managed actively and
prudently by our top-notch investment professionals. Sun
MaxiLink Prime is payable for at least 10 years*
* The premium paying period is not guaranteed. You may be
required to pay additional premiums after 10 years if the
fund value is insufficient to pay charges.
29. Products
Sun MaxiLink Bright
Sun MaxiLink Bright is a peso denominated variable life
insurance plan that provides financial protection PLUS a
potential source of savings. It enhances your money's
growth potential to fund future needs like education
through its investment earnings. There are 5 funds to
choose from where your premium payments will be
invested in. These funds are managed actively and
prudently by our top-notch investment professionals. Sun
MaxiLink Bright is payable for at least 5 years*
* The premium paying period is not guaranteed. You may
be required to pay additional premiums after 5 years if the
fund value is insufficient to pay charges.
30.
31. Place
Metro Manila
Alabang
Alabang Regional Office
G/F Philam Life Bldg, Acacia Road, Madrigal Business Park, 1702
Muntinlupa City
Tel Nos.: 807-4343; 807-4366; 807-4323 (Fax)
Caloocan
CaloocanAutomated Insurance Center
8/F Orange Bldg, 328 Edsa Monumento, Caloocan City, Metro Manila 1400
Tel Nos.: 367-5701 to 03 (telefax)
Makati
MakatiRegional Office
2/F, Gammon Center Building, 126 Leviste Street, Salcedo Village, Makati City
Tel Nos.: 754-4055; 754-4056; 754-4052 (Fax)
Manila
UN Regional Office
UN Business Center, 1st Flr., Philam Life Bldlg, UN Ave, Ermita, Manila
Tel Nos.: 526-9228; 526-9258; 526-9253; 526-9503 (Telefax)
32. Place
Binondo Automated Insurance Center
G/F Paramount Bldg, 434 Quintin Paredes St., Binondo, Manila 1006
Tel Nos.: 245-3620 local 236-237 (Fax); 241-3490
Quezon City
Cubao Regional Office
2/F Philam Life Bldg, Aurora Blvd cor Araneta Ave, 1111 Cubao Quezon
City
Tel Nos: 423-6000; 423-6233 (Fax)
Rizal
Antipolo Automated Insurance Center
2/F Megathon Bldg, Circumferential Rd, Antipolo City, Rizal 1906
Tel Nos.: 650-7069; 650-0514 (Fax)
San Juan
Greenhills Automated Insurance Center
G/F VAG Bldg., Ortigas Avenue Extension, San Juan, Metro Manila 1500
33. Products
Guardian Life Insurance
Guardian provides maximum insurance protection for you and your
family.
You can add benefits to your Guardian to make it more comprehensive
(i.e. optional Accident, Disability, and Hospitalization benefits).
There is a Guardian designed to meet your needs:
Guardian 1 provides basic protection for 1 year and can be renewed up
to age 84
Guardian 5 provides you with protection for 5 years by paying level
premiums
Guardian 10 provides you with protection for 10 years by paying level
premiums
Guardian 65 provides you with protection up to age 65
Guardian Home provides protection for your family’s mortgage
34.
35. Place
Metro Manila Branches
Alabang4/F JJACCIS Bldg., Acacia Ave.Madrigal Business
ParkAlabang, Muntinlupa CityTel.No.: 772-6573 to 75Fax
No.: 772-3720Jeffrey Joseph R. BobadillaVice-
President/Branch Head
Head Office (formerly Ayala Branch)31/F Petron Mega
Plaza, Sen Gil Puyat Ave., Makati CityTel.No.: 988-
6388Joel Victor K. Delas AlasSenior Assistant Vice-
President/Branch Head
BinondoUnit 1503, World Trade Exchange Building215
Juan Luna Street, Binondo, ManilaTel.No.: 241-1255/ 241-
3481/ 241-3483Fax No.: 241-8081Alex S. SantiagoVice-
President/Branch Head
Caloocan3/F Security Bank Bldg., 266 Rizal Ave. Ext.Grace
Park, Caloocan CityTel.No.: 365-0856/ 365-0830/ 365-
0836Fax. No. 323-9783Romulo M. ManucomSenior
Assistant Vice-President/Branch Head
36. Place
Manila 4/F Standard Insurance Tower999 P.Gil cor. Agoncillo St.
Ermita, ManilaTel.No.: 400-7777 loc. 164/172/194/185Direct: (02) 522-
4472/ 404-3875Telefax: (02) 525-6731Elia B. AkolVice-
President/Branch Head
MakatiSecurity Bank Building6776 Ayale Ave., Makati CityTel.No.:
891-1041 / 812-4417/ 891-1012/ 810-9441Telefax: 891-1042/ 840-5621/ 810-
9441Severo L. Santillana Jr.Senior Vice-President/Branch Head
Ortigas2/F Hyatt Center, Brgy. Wack-WackOrtigas Ave., Mandaluyong
CityTel.No.: 724-4026/ 722-7011/ 724-4025/ 727-4992Telefax: trunkline
loc. 108Fax No.: 727-4991Antonio B. EspejoSenior Vice-
President/Branch Head
West AvenueUnit 201 West Life Bldg. 107 B West Ave., Quezon
CityTel.No.: 415-3772 to 73/ 373-5193/ 371-2016Telefax: 374-1640Antonio
L. CastilloVice-President/Branch Head
37. Products
Personal Accident
Personal Accident Insurance can ease the family's financial and emotional
burdens by providing monetary benefits at a time when finances are greatly
strained because of an accident. Depending on your requirements, we have the
ideal coverage that best fits your needs
Unlimited Personal Accident Insurance(For Individuals)
It provides benefits/indemnity in cases of losses to the person which
arises out of an accident UPA Insurance affords basic protection for the income
of the Insured
Group Unlimited Personal Accident
A Group Insurance that covers an employee/member of a group for a
whole year. It covers the said employee/member against injuries sustained 24
hours a day, 365 days a year at home, in the office or at play, anywhere in the
world. The plan indemnifies on death or dismemberment directly and
proximately caused by violent, accidental, external visible means.
38. Products
Special Student Accident Insurance (SSAI)
A group insurance that covers students inside and outside the school
premises from whole year, inclusive of summer vacation. It covers the student
against injuries sustained 24 hours a day, at home, in school or at play,
anywhere in the world. The plan indemnifies on death or dismemberment
directly and proximately caused by violent, accidental, external or visible
means.
Travel Accident Insurance
Covers death, dismemberment or bodily injuries caused by an accident
while insured is traveling during the period disclosed on the policy. It
indemnifies the full principal sum for accidental death or dismemberment.
With medical reimbursement of 10% of the principal sum stated in the
schedule.
Total Standard Take One, Take All
Insures you and your family or a maximum of six (6) family members for
P100,000 each against death and permanent disablement exclusive of medical
reimbursement due to accident.
39. Competition’s Promotion
The competition employs the following promotional
methods in disseminating information about their
company and products:
Inter-Group Advertising
Television Commercials
Corporate Proposal Meetings
Seminars in Job Fairs and Business Symposia.
Billboards
Individual and Small-scale Advertising
41. Life Plans
The Umanian Life Insurance Company proudly
offer the following policies for the perusal of our
clients:
CashBackProtect
LifeTimeLink
FlexiPlans
42. CashBackProtect
This product provides a twofold plan that consists of:
An anticipated endowment policy which allows you to
quickly acquire a lump sum of your investments, ideal
for meeting milestone expenses like a child’s marriage,
expenses for a child’s higher education or purchase of
an asset.
Standard life assurance inclusive of critical illness
hospitalization benefit, ICU benefit, surgical
allowance benefit and, Death and Maturity benefit.
43. CashBackProtect
CashBackProtect offers a modest Face
amount of 100,000-300,000 pesos upon
maturity. Plan duration can be 5 or 10 years.
A monthly premium of 2800 shall be
charged and 96% of all payments tendered
shall be released upon request for lumpsum
at anytime; after which, the plan shall be
terminated.
44. LifeTimeLink
This product is a plan that is market linked whole life
insurance which offers the following:
Standard life assurance inclusive of critical illness
hospitalization benefit, ICU benefit, surgical allowance
benefit and, Death and Maturity benefit.
Increase the value of your policy anytime by adding
premium additions called top-up premiums as you
desire. Plus, you have the option to avail of protection
against accidental death, dismemberment or disablement.
Control over where the your broker invests your money.
This allows you to allow growth for your money and still
stay secured.
45. LifeTimeLink
The price of the life time link is payable in
ten (10) years. It provides lifetime insurance
protection and cash payouts. The payouts,
equal to 3% of the face amount, will be given
starting at the end of the 3rd year and every 3
years thereafter for life. Standard premiums (of
a client at age 30)are 3500 pesos monthly with
the option of paying for top-up premiums at
any amount, anytime! Face amount reaches
150,000 pesos up.
46. FlexiPlans
This is a term life insurance that shows
its flexibility through its various add-ons
and its capability to evolve into the
company’s other plans. This plan initially
offers:
Standard term life protection covering final
expenditure benefit (funeral and burial)
47. FlexiPlans
FlexiPlans payment options come in many forms.
There are annual payments, quarterly payments or
monthly payments. Standard Flexiplan rates for 5 years
terms are only 600 per month. Add-on prices increase
this premium to either SilverFlexiPlan 800 (with
hospitalization allowance and post-hospitalization
benefit), GoldFlexiPlan (with full hospitalization
benefit including ICU benefit) 999, or
PlatinumFlexiPlan 2000 (with full hospitalization
benefit including ICU and death benefit paid to
beneficiaries.)
48. Advantages
Missed premium payment?
The Umanian Life Insurance company has
provisions that allow a grace period (31 days or more),
during which the policy lapses. However, the
LifeTimeLink plan provides certain benefits such as
cash dividend values which can be collected in cash, or
used to continue insurance coverage limited in either
amount or duration.
49. Advantages
Expired FlexiPlan insurance?
The Umanian Life Insurance Company offers a
renewable term life insurance, allowing you to
continue your policy for another term without having
to take another medical examination. Though the
premium for the renewed term would be increased
based on your age at the time the policy is renewed,
availing of the term life insurance renewal still allows
you an assured and happy lifestyle.
51. Promotion
The Umanian Life Insurance Company has
selected various promotion techniques in order to
“spread the word”, so to speak, of the options and
advantages of the Filipino people upon availing our
plans:
Pamphlet Distribution Network
Group Discussion / Seminar
Direct Selling Method
52. Pamphlet Distribution Network
The pamphlet shall contain the aims of the
company along with the Company profile. It shall also
contain the various life plans available with attractive
explanations and price brackets. These pamphlets
shall be distributed throughout Luzon, providing an
effective means of promotion throughout a wide area.
53. Group Discussions / Seminars
The company shall hold group discussions and
corporate seminars through corporate contacts, job
fairs and corporate symposia. These shall target large
private businesses, small-scale businesses, schools and
other various organizations. These discussions shall
acquaint the masses on the principles and goals of the
company, and explain the various plans and packages
available to both large and small scale consumers. This
shall also provide the prospect of recruiting
commission-based sales agents to fuel the individual
scale opportunities and promotion through direct
selling.
54. Direct Selling Method
This is a individual-scale promotion method
wherein the recruited sales agent uses his/her own
business and personal contacts in order to sell
individual packages of the company’s products and
propagate information of about the company through
their contact’s contacts and so on, creating a network
of individuals who are well informed of the company’s
plans and advantages.