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PowerLink Male Package Training
Learning & Development Department, Sales & Distribution Division (Life)
Disclaimer: The slides are for training purpose only.
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Course Objectives
To equip participants with the selling idea and
product features of PowerLink Male Package.
PowerLink
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Course Overview
1. Male Package Sales Idea
2. Product Packaging & Features
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1. Be on time
2. Turn your hand phone to silent mode
3. Have active participation and be open-minded
4. Do not criticize and discourage other agents who are sellingdifferent products from you / your agency
5. Do not bad-mouth other agents / agencies
House Rules
6. Do not send representative to attend training or sign attendance
list on behalf of other agent(s)
7. Respect the trainer and the class
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Sales Idea
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There is always a Women behind everySuccessful man.
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As A Breadwinner, An Ideal Plan IsEssential For You!
!
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Let me Introduce to you an IdealPlan for Every Man.
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By saving RM200 per month
RM200We will provide you with the following benefits:
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1. Protection against Man Specific Illnesses
RM100,000
2. CarcinomaInSitu Benefit
RM25,000
3. 36 Critical Illness 36 RM100,000
4. Waiver of Premium till age 9999
5. Pre-mature death/TPD/ RM100,000
Total Value = RM300,000 !
= RM300,000!
An Essential Plan For Man RM200 / month ()
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Product Features
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Overview
1. Man Guard (UMGR)
2. HealthCover Enhancer (UHCER)
3. HealthCover Plus (UHCPR)4. PayorCover (UPCR)
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ManGuard(UMGR)
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Man Guard ( UMGR)
Product At A Glance !
1. Guaranteed renewable (UDR) to PLK.PLK)
2. Specially designed for men and enhance existing criticalillnesses based on mans needs.
3. Target male customers between age 30 to 40 whowish to enhance their protection.3040
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Product At A Glance !
4. Protect against 9 male specific cancers and male specificillnesses.
5. Payout can be used to cushion high medical cost incurred.
6. Early medical treatment to prevent complicated treatment.
Man Guard (UMGR)
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Male Related Cancer1. Testicular Cancer
2. Colon Cancer
3. Lung Cancer
4. Liver Cancer
5. Prostate Cancer
6. Penis Cancer
Man Related Cancer
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1. Testicular Cancer
Testicular cancer forms in amans testicles, the two egg-
shaped glands that producesperm and testosterone.
Testicular cancer
Man Related Cancer
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2. Prostate Cancer
Prostate cancer
Man Related Cancer
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A normal shape of prostate gland is the size of golf ball that is
located below urinary bladder.
Prostate gland produces semen liquid that carries sperm.
The cancer begin when the mutate cells in the prostate dividingand growing without control.
2. Prostate Cancer
Man Related Cancer
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It can spread into other parts of the body and kill normal tissue.
In Malaysia, cancer of prostate occupies in sixth position in thechart of ten most frequent cancers in males.10
2. Prostate Cancer
Man Related Cancer
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21Colon cancer
3. Colon Cancer
Man Related Cancer
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It is commonly known as bowel cancer, is a cancer caused by
uncontrolled cell growth, in the colon, rectum, or vermiformappendix.
Man Related Cancer3. Colon Cancer
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4. Lung Cancer
It is a disease characterized by uncontrolled cell growth intissues of the lung.
Healthy lung
Lung with cancer
Man Related Cancer
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4. Lung Cancer
Lung cancer
Man Related Cancer
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5. Liver Cancer
Liver cancers are malignanttumors that grow on thesurface or inside the liver.
Liver
Man Related Cancer
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5. Liver Cancer
Liver cancer
Man Related Cancer
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6. Penis Cancer
It is a malignant growth
found on the skin or inthe tissues of thepenis.
Penis
Man Related Cancer
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Man Related Cancer6. Penis Cancer
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1. Severe Gout
Refers to widespread joint destruction of the following jointareas: feet, ankles, knees, wrists and elbow.
Man Related Illness
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Only severe cases of gout are covered, the condition should be:
(a) Life Assured being either:
i. Totally and Permanently Disabled so that the Life
Assured cannot engage in any occupation, business or
activity which pays an income; or
Man Related Illness1. Severe Gout
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Only severe cases of gout are covered, the condition should be:
(a) Life Assured being either:
ii. Is permanently disabled and has been confined to a
home, hospital or other institution requiring constant care
and medical attention for at least 6 consecutive months6
Man Related Illness1. Severe Gout
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Only severe cases of gout are covered, the condition should be:
(b)There is demonstration of intracellular monosodium urate
crystals and the exclusion of infection or other crystal types in
the synovial fluid (SF) from the inflamed joint.
Man Related Illness1. Severe Gout
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2. Severe Kidney Stone
A kidney stone is a hard,crystalline mineral
material formed withinthe kidney.
The stones form in theurine collecting area ofthe kidney.
Man Related Illness
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The diagnosis must meet all the following
criteria:
i. Imaging tests that show presence ofkidney stones and hydronephrosis
ii. Loss of renal function: elevated BloodUrea Nitrogen (BUN), Serum Creatinine
and reduced Glomerular Filtration Rate(GFR) (
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It is an early stage of cancer which has not yet resulted in
invasion of normal tissue.
Carcinoma-in-situ of the biliary system and in the presence of
HIV is also specially excluded.
3. Carcinoma-in-situ
Man Related Illness
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Upon diagnosis of a Male Related Illnesses, we will pay out30% of the Rider Insured Amount
30 %
The balance of the Rider Insured Amount will only paid outupon the subsequent diagnosis of a Male Related Cancer.
Compensation on Man Guard (UMGR)
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Exclusions for UMGR:
a) Any Male Related Cancer or Male Related Illness, which firstmanifests itself prior to the 60th day following the Issue Date orReinstatement Date of this Supplementary Contract, whicheveris later; or60,
b) Any Male Related Cancer or Male Related Illness which existedat the Issue Date or Reinstatement Date of this SupplementaryContract, whichever is later; or
,
c) Any Male Related Cancer or Male Related Illness which is dueto self-inflicted injuries while sane or insane.
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Underwriting on UMGRCoverageterm:
Min: 1 year
:
Max: Up to Life Assured attaining age of 81 years
:81
Entry age:
1.Life assured- Min 18 years old
18
- Max 50 years old50
2.Applicant- Min 18 years old
18
- Max 100 years old100
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Sum Assured
Min: RM10,000
Max: RM150,000 or 5XBSA5,whichever is lower,
*Subject to RM 1 mil per life (all CIs)
RM1
WaitingPeriod:
60 days following the issue date or reinstatementdate
60
Underwriting on UMGR
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ApplicationDocuments
- New business: Existing application form will beused.
- Add/delete riders: Request for Change Form &Health Questionnaire/&
Underwriting on UMGR
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HealthCover Enhancer(UHCER)
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HealthCover Enhancer (UHCER)
An optional rider attachable to HealthCover (UHCR) andHealthCover Plus (UHCPR), which offers Carcinoma-in-sit
coverage.
UHCRUHCPR,
Upon diagnosis of Carcinoma-in-situ, Company will pay the:
,
i. Lower of rider insured amount, or,
ii. RM40,000 per life. RM40,000,
It is an accelerated benefits on UHCR or UHCPR.
UHCRUHCPR
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Carcinoma-in-situ
It is an early stage of cancer which has not yet resultedin invasion of normal tissue.
Carcinoma-in-situ is an earlycancer tumor invade only thenormal tissue and yet topenetrate beyond the
basement membrane.
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The following conditions are specially excluded:i. Clinical diagnosis of the Cervical Intraepithelial Neoplasia
(CIN) classification which reports CIN I, CIN II, and CIN III
(severe dysplasia without carcinoma-in-situ) does not
meet with the required definition.
(CIN)
CIN1,CINII,CINIII (),
ii. Carcinoma-in-situ of the biliary system
Carcinoma-in-situ
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Upon payment of UHCER, the BSA for PLK and Rider SA for UHCR willbe reduced and thereafter UHCER will terminate.
UHCERPLKUHCR
UHCER
Before Claims
PLK RM 100,000
UHCR RM 100,000
UHCER RM 25,000
Scenario 1:
PowerLink (PLK) + HealthCover (UHCR) + Health Cover Enhancer (UHCER)
After ClaimsPLK RM 75,000
UHCR RM 75,000
UHCER Terminated
Example:
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Upon payment of UHCER, the sum assured for UHCPR will be reducedand thereafter UHCER will terminate.
UHCERUHCPR
UHCER
Before Claims
PLK RM 100,000
UHCPR RM 100,000
UHCER RM 25,000
Scenario 2:
PowerLink (PLK) + HealthCover Plus (UHCPR) + Health Cover Enhancer (UHCER)
After ClaimsPLK RM 100,000
UHCPR RM 75,000
UHCER Terminated
Example:
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a) Any Carcinoma-in-situ which existed at the Issue Date or
Reinstatement Date of this Supplementary Contract, whichever
is later; or
,
;
b) All Carcinoma-in-situ in the presence of HIV.
Exclusions for UHCER:
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Underwriting on UHCER
Coverageterm:
Min: 1 year
:
Max: On the policy anniversary the life assuredattaining age 100 nearest birthday
:,100
Entry age:
1.Life assured- Min 18 years old
18- Max 60 years old
60
2.Applicant- Min 18 years old
18- Max 100 years old
100
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WaitingPeriod:
120 days form the issue Date or ReinstatementDate of the supplementary contract, whichever islater.
120
SumAssured
Min : RM2,500
Max: 25% of UHCR or UHCPR sum assured
: 25%UHCR UHCPR
*Subject to maximum RM 40,000 per lifeRM40,000
Underwriting on UHCER
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ApplicationDocuments
- New business: Existing application form will
be used.
:
- Add/delete riders: Request for Change Form
& Health Questionnaire/:&
Underwriting on UHCER
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HealthCover Plus(UHCPR)
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1. Provides a lump sum benefit equivalent to the rider sum
assured (subject to max. of RM1,000,000) upon diagnosis of
any of the 36 Critical Illnesses of the life assured.
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RM1,000,000
2. Upon claim on UHCPR, rider will be terminated.
Benefits
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3. Upon claims, the basic policy shall continue to be in
force. Sum assured of basic plan will not be affected.
Benefits
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Payment ofRM 100,000 from
UHCPR
Then, policy terminates
Plan:
PLK : RM100,000UHCPR: RM100,000
Diagnose of CI
1.
Payment ofRM 100,000 fromPLK + Fund Value
Death
2.
Then, rider terminates
(Provided that thelife assuredsurvives more than
30 days afterbeing diagnosed)(,30 )
Benefits
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Exclusions for CI Benefit:
a. Any CI, other than Cancer and Heart Related Diseases, whichfirst manifests itself prior to the thirtieth (30th) day following theissue date or any reinstatement date;30
b. Cancer and Heart Related Diseases which first manifest itself
prior to the 60 days following the issue date or anyreinstatement date;
60
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Exclusions for CI Benefit:
Note:
Heart related diseases are heart attack, coronary artery by-pass surgery, other serious coronary artery disease andangioplasty and invasive treatments for major coronary arterydisease
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c. Any CI which existed at the date of issue or date ofreinstatement;
d. Any CI which is due to self-inflicted injuries while sane orinsane.
Exclusions for CI Benefit:
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Survival Period No claims will be payable if the Life Assured dies
within 30 days from the date of diagnosis.
30
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Entry Age:Minimum Entry
Age
Maximum EntryAge
Life Assured
30 days 60 year-old
Maximum Expiry Age
Life Assured attaining100 year-old
Underwriting
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Sum Assured:
Minimum : RM 10,000
Maximum : 5 x Basic Sum Assured
(subject to a max. of RM1 million per life
5x (RM1mil)
Coverage Term:
Min Term : 10 yearsMax Term : up to life assured attaining age 100
100
Underwriting
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Cost Of Insurance:The COI is based on the riders SA, gender, attained age,
smoking status and class rating of the life assured.
Underwriting
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Payor Cover(UPCR)
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Waiver of future premium upon diagnosis of Critical Illnessof the life assured.
Unit deducting rider.
Features
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The first contribution shall commence on the nextpremium duedate immediately following the date of diagnosis of CI.
No waiver of COI for the basic plan and other UDRs attached tothe basic plan (except CI UDRs) after the diagnosis of CI.
Benefits
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Exclusions for CI Benefit:
a. Any CI, other than Cancer and Heart Related Diseases, whichfirst manifests itself prior to the thirtieth (30th) day following theissue date or any reinstatement date;30
b. Cancer and Heart Related Diseases which first manifest itselfprior to the 60 days following the issue date or any
reinstatement date;60
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Exclusions for CI Benefit:
Note:
Heart related diseases are heart attack, coronary artery by-pass surgery, other serious coronary artery disease andangioplasty and invasive treatments for major coronary arterydisease
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c. Any CI which existed at the date of issue or date ofreinstatement;
d. Any CI which is due to self-inflicted injuries while sane orinsane.
Exclusions for CI Benefit:
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Minimum Entry Age
Maximum Entry Age
Life Assured
18 year old 60 year-old
Entry Age:
Underwriting
Min Sum Assured : RM1,200
Sum Assured:
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Coverage Term:
Underwriting
Min Term : 10 years
Max Term : The contribution ceases at the expiry of the basic
policy/ lapse/ surrender or death of life assured,whichever is earlier.
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Premium Rate/COI/:
Underwriting
The COI is based on the riders SA, gender, attained age,
smoking status and class rating (include loading) of the lifeassured.
Charge in advance every month by way of cancellation ofunits on the basic policys monthly due date.
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Thank you