Reliance Awm Life

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My visiting card

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Paradigm shift of the Life Insurance companies Insurance companies allocate

about 40%-80% of the first year premium amount for the procurement costs towards the infrastructural and staff establishment costs.

Insurance companies started outsourcing to Banks and corporate agents to sell policies these days. Paradigm shift….

Insurance co. relies heavily on channel partners or corporate agents in this new insurance era.

Top Management

Country Head

Regional Manager

Zonal Manager

Area Manager

Divisional Manager

Development officer

Insurance Agents

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Reliance Life Insurance follows the Indian Govt.’s Watch dog, IRDA’s (Insurance Regulatory Development Authority) rules and regulations.Reliance Life is in 2nd position now among the private insurance players in our country. Reliance Life has started with 90 branches and has risen to more than 1150 branches in our country within a span of 4 years.

Reliance Life Insurance help line:1. Mr. William Liu, Kolkata – 0 93393 831832. Mr. Samuel Brainerd, Vizag - 0 93973 079003. Mr. K. Raja Rao, Guntur, AP - 0 91772 88855 4. 30338181 or 1800 300 08181 (toll-free)

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Reliance Life Insurance PresentsReliance Life Insurance PresentsAn OpportunityAn Opportunity

For each one of usFor each one of usTo get what we want……To get what we want……

The Road to prosperity starts here !The Road to prosperity starts here !

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Reliance Traditional Super Invest Assure Plan What do we market?

RTSIAP- Endowment Insurance Policy of Reliance Life Insurance

What is Endowment Insurance Policy?- Policy provides benefits on the date of maturity if the insured is still alive on that date or before it if the insured dies during the term of the policy.

Key points of the Policy Non-linked non-profit plan

Minimum Age at Entry - 30 days Maximum Age limit - 60 years

Policy Term - 15 years – 30 years Sum Assured - 7.5 times of annualized premium Addition of accumulation rate every year – Rate for FY 2009-10 :

7.5% per annum

Loyalty additions of 50% of the annualized premium for the10th policy year and every 5th policy year thereafter

Flexibility to increase your savings any time by paying additional premium

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Reliance Traditional Super Invest Assure PlanSurrender of the Policy: 1 to 2 years - Surrender not allowed 3rd year - 80% of the surrender value will be given 4th year - 90% of the surrender value will be given 5th year or later - 100% of the surrender value will be

given

Insurance Benefits: Life Cover Maturity Tax Benefit

- Tax deduction u/s 80C of the Act Grace period

30 days

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Life Time Opportunity [Accresent Way Marketing Pvt. Ltd.]

Major Break through in Insurance Sector in India Brain child of our revolutionary and visionary Champion

Mr.Tapas Debnath, Founder of Accresent way Mktg Pvt. Ltd. 1. You pay your first year premium2. AWM helps you pay your second and third year renewal

premiums.*3. AWM does not stop there. It would even share with you

unimaginable income if you join its marketing force.4. Join the “AWM Life” and enjoy the financial freedom and the

new life style……

* AWM shares its profit with the customer by giving the two premiums amount if the company growth is at least 3%. If the growth is 5%, the customer would even receive the amount equal to three premiums. The customer would receive this amount within a period of 12 months after purchasing a policy.

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Income source of AWM

AWM

LOGISTIC SUPPORT

SYSTEM SUPPORT

•AWM is the channel partner of Reliance Life Insurance and gets 40 - 90% from Reliance co. from the 1st premium as commission.

•AWM shares its 90% profit with the 100% customers.

•AWM shares its profit with all the customers whether they do marketing or not. However, the marketing folks would get handsome amount of money.

Note : While sharing the profit with the Marketing people ( D.Os and Agents), 10% of customer’s income is kept for the recycling charges for the future. This is used for the benefit from second year onwards.

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AWM LIFE

Our CMD, Mr.Tapas Debnath’s heartfelt desire is essentially to help the poverty driven and low income group people to become financially independent and make them stable economically.

Keeping this in mind, AWM Life has become the Corporate agent of the Reliance Life Insurance and Future Generali and wants to share its profit with the policy holders.

Accresent Way Marketing Pvt. Ltd. is the sister concern of the AWM Life and shares its profit with the policy investors and the marketing force.

AWM’s regd. office is at Guwahati and its Corporate Office is at kaikhali, VIP Road, Kolkata

Insurance Corporate code : 20282674. IRDA License No. 4456786

Email [email protected] Web Site : www.accresentwayindia.com

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AWM Saviour plan Concept

AWM has got two options for marketing people: Traditional marketing ( For those who

want to make little money) Referral Marketing ( For those who want

to make substantial amount of money)

•Traditional marketing: Agent would get approximately at an about Rs.3000/- per selling one policy whose premium is Rs.6000/-.

•Referral Marketing: Agent would become Jr.Development officer and Jr.D.O would become Sr.D.O and so on. The more you develop the team, the more and more profit share would be receiving from AWM. One can earn in lakhs of rupees.

•If you want to be part of AWM Parivar, purchase at least 1 unit of the Reliance Life Insurance Endowment policy package (Rs.6000/-).

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AWM Saviour plan Concept 2

Marketing is an option but not compulsion here in this company. This differentiates AWM from any pyramid, binary or an MLM company in the market.

Every policy holder would become an investor of the company and get the money returns at minimum 200% rate within period of 12 months from taking a policy.

Policy holder or the Investor would receive from AWM the amount varying from Rs.12,000 to Rs.18,000 within 12 months by taking just a Rs.6000/- policy. This is the marketing strategy of AWM Life.

There is no maximum limit for the premiums. One can take any number of units but in multiples of Rs.6000/-.

AWM considers Rs.6000/- as one single unit and this is the minimum investment.

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How does AWM Life pay ?

AWM Life has two wings viz., investors group and marketing force.

Investors will only purchase policy and become the asset of the company.

Marketing force is the driving force and these people are its bread and butter earners.

AWM would pay Rs.40,000/- to the marketing executes for selling at least two policies in a month. ( Considering 5% growth of the company. He would get even up to Rs.8 lakh if the company’s growth is 100%). Growth is considered on the basis of “closings”.

The time period of the “closing” varies from 25 days to 60 days depending upon the achievement of the 100% target growth.

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AWM recruiting System AWM recruits marketing people

through referral system ( as this is the current trend of the corporate houses these days).

AWM is looking for the Jr. Development officers (D.Os) and Agents. The eligibility to become Jr. D.O is just to become a policy holder.

The Jr. D.O in turn recruits agents.

In AWM, even Jr. D.Os can sell the policies in addition to the agents and gets the 1st level commission income.

When the agents sell the policies, the Jr. D.O also gets the 2nd level commission income in addition to the 1st level income given to the agents.

The Agents can be promoted even up to Chief Superintendent D.O in AWM career growth plan depending upon the performance level.

AWM Promotion Levels

Chief Super. Dev. Officer

Superintendent Dev. Officer

Chief Development Officer

Head Development Officer

Sr. Development Officer

Asst. Development Officer

Jr. Development Officer

Insurance Agent

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AWM Career Promotion Incentives

Jr.D.O (Bronze) – Sells five Policies Directly - Gets promoted to Asst. D.O

Asst.D.O (Silver) – has five Jr.D.Os under his jurisdiction - Gets promoted to Sr. D.O - eligible for Royalty of Rs.25/- for each unit in his Departmental sales

Sr.D.O (Gold) – has five Asst.D.Os under his jurisdiction - Gets promoted to Head. D.O - eligible for Royalty of Rs.50/- for each unit in his Departmental sales

Head. D.O (Pearl) – has five Sr.D.Os under his jurisdiction - Gets promoted to Chief. D.O - eligible for the gift of a Bike

Chief. D.O (Star) – has five Head.D.Os under his jurisdiction - Gets promoted to Superintendent. D.O - eligible for the gift of a Maruti Alto

Superintendent. D.O (Emerald) – has five Chief.D.Os under his jurisdiction - Gets promoted to Chief Superintendent. D.O - eligible for the gift of a Tata Indica

Chief Superintendent. D.O (Diamond) – has five Super.D.Os under his jurisdiction - eligible for the gift of a Hyundai Sonata

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AWM Benefits and Rewards

Benefits and Rewards if you are marketing:

A. FOUR types of income: 1. Basic Income - for all the policy holders 2. Sponsoring Gift - for Direct sales only - DSI 3. Jr. D.O’s commission - For Level-1 and Level-2

sales - RI 4. Agent’s commission - For his direct sales – RRI

B. Various special rewards and recognition gifts ranging from Silver coin to Bajaj Platina

C. Several Career promotion incentives varying from gift money to Hyundai Sonata

DSI – Direct Sponsoring Income ; RI – Referral IncomeRRI – Referral’s Referral Income

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Risks & Rewards

Is there any risk, if you are only an investor by purchasing the policy?

No risk as you are not paying money to AWM. You will have your life insured through life insurance.

Are you losing anything? Nothing to lose. Money is given to Reliance Life and it is

under the safe custody of watchdog IRDA

Rewards if you join the marketing force of our company: Sell at least two policies within 30 days or 60 days from the

time of your purchasing. AWM would share with you the benefit ranging from Rs.40,000

and even up to Rs.8 lakh depending upon your sales (profits) of the company. Lot of incentives and rewards are waiting for you.

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DECIDE TODAY Can you take an initiative by investing Rs.6000/- in your own and business? Decide today where you want to reach…Sky is the limit [ Four options for YOU ]

A – Get Rs.12,000 to Rs. 18,000 within the period of 12 closings after purchasing the policy. Become a policy holder and stays as investor only. No marketing.

B - Get minimum of Rs. 40,000 or more. Even up to 4 Lac within period of 15 closings depending upon the company’s growth. Become a policy holder and sell policies to at least two people within 60 days from the time of purchasing your policy.

C - Get minimum of Rs. 40,000 or more. Even up to 8 Lac within period 15 closings depending upon the company’s growth. Become a policy holder and sell policies to at least two people within 30 days from the time of purchasing your policy.

D – AS YOU WISH – UNLIMITED. Sell as many policies as possible.

Note: 5% company (AWM) growth is considered for minimum amount and 100% growth is considered for the maximum benefit. Growth is from one closing to another closing.

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Get into Marketing - How much a Jr. D.O can earn?

Jr. D.O.

M P

X Y

ON

Z

1. Jr. D.O. directly sells the policies to the agents M,N,O and P. These are direct sales.

2. The agent “M” gets promoted to Jr.D.O. over a period of time and sells the policies to X,Y and Z further.

3. This can not work like a chain system or a binary system or a MLM system or a pyramid system.

AWM would give the benefit to Jr.D.O. as follows:

• Basic income - Starting with Rs.100 from 2nd closing.

• Direct Sponsoring gift income – Rs. 1600 ( Rs.400 each for selling to M,N, O and P) - one time gift cheque.

• Jr. D.O’s level-1 commission – 25% of income from Level-1 sales as long as the Basic income for M,N,O and P would continue.

• Jr. D.O’s level-2 commission – 25% of income from Level-2 sales as long as the Basic income for X,Y and Z would continue.

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Growth Distribution Table details Check the reliability of the company after 2nd closing . You

would get the cheques from the 3rd closing onwards as the processing and issuing of the policy docket from Reliance Life Insurance need about 60 days time.

Please refer our “growth distribution table” given in the next slide.

The table shows the “money back plan” for three different premiums viz., Rs.6000/- ( 1 unit), Rs. 24,000/- ( 4 units) and Rs.30,000/- ( 5 units).

Each unit has two columns and the first one shows your Basic income and the second one shows your commission amount.

Rs.400/- at the top in the second column is the one time gift amount for direct sponsoring.

The amount in the second column is the 25% commission income which comes from Level-1 and Level-2 sales.

The amount you see in the Table columns will be issued in the form of cheques and will be issued after each and every closing.

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ACHIEVE as YOU WISH – SMART way•Specific

•Measurable

•Achievable

•Realistic

•Time bound•Spend your qualitative and effective time of only 2 hours every day with 100% concentration

•Study and assimilate the business concept for the first 7 days

• Look for 30 to 40 HR (50 units) within 21 days

• Look for 100 to 140 HR (200 units) with next 21 days

• With 250 HR ( 250 units) within 50 days time, the bonus will be :

250 X 8 lakhs x ¼ = 500 lakhs or 5 crores will be your income within a period of 2 years if the company grows at 100%. ( Can you believe this ? )

Note: 8 lakh is considered assuming every one is selling at least two policies

within first 30 days. If not, the amount would vary as per sales. You can make at least 25 lakhs even if the company grows at an average rate of 5%.

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AWM Golden Career growth plan – salary system Sr. Development Officer -> Gold level 1 -> Rs.1200 per month

Head Development Officer -> Gold level 2-> Rs.4000 per month

Chief Development Officer -> Gold level 3-> Rs.12,000 per month

Superintendent Dev. Officer ->Gold level 4 -> Rs.30,000 per month

Chief Super. Dev. Officer ->Gold level 5->Rs. 50,000 per month

Class-I Chief Super. Dev. Officer ->Gold level 6-> Rs. 75,000 per month

Class-II Chief Super. Dev. Officer ->Gold level 7-> Rs.1,00,000 per month

Note : The monthly packages are revised and fixed at every 6 months interval.

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See and Believe

•AWM has been registering the consistent and satisfactory growth record since its inception.

•Copy of my cheque received in last November after having taken the Reliance Life insurance policy in the month of Feb ’09.

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See and Believe 2 I am referred by Mrs.Pankaja George and the copy of her cheque received in

last november is given below:

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See and Believe 3

Copy of the Cheque of Mrs. Mukherjee (who introduced AWM to Mrs. Pankaja George) received in the month of Feb ’10 :

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See and Believe 4

Copy of my Cheque received in the month of Feb ‘10

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Transparency in the Commission payments – Login facility for the customers

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Login to web Site : www.accresentwayindia.com