1 MONTHLY REPORT Aug, 2009 Planning Division Hans Wang 28th Aug. 2009

2 ENGAGED PROJECT THIS MONTH   Market Information Updated   Premium Income   Repricing and New Riders

3 Ace Life launches inflation index term rider Market Info Attached on Universal Life Product Only Inflation rate is capped within 3%~15% Face amount increased based on inflation rate Helps Policy Owner hedge customer price hikes Provides better financial protection Face Amount 500M Face Amount 550M First Year Second Year Inflation Rate 10% Features: EX:

4 New Customer Service in Prudential Market Info   Opening of Customer Portal PRUOnline 1. 1.A website opened to all policyholder of Prudential 2. 2.User might change or update address and phone number via this website   Information enquiry via SMS message Request via 8099 Info back

5 New Life Insurance Coming - Generali Market Info Assicurazioni Generali Group – Italian Insurer Granted License setting a representative on 8/26 Expected granting Operating License in nd Largest Insurance Group in the World Expanding their operation in ASIA

6 Inspection Tours - MoF Market Info   Strengthening Insurance Market Nearly 100% of insurance have been found as violating regulation   Cleaning unhealthy competition Overpay on Commission -- statistics show some of insurance company losing money, especially non-life

7 NB Premium Income – Annualized CompanyPrud.Bao VietManuACEAIGDaiichiCathay Prem. Income Proportion31.4%29.9%10.5%9.2% 6.9%1.3% Prem Income Jan~Jul 2009 * Korea(16.2) 、 Prevoir (5.6) and G. E. (4.1) 31.4% 29.9% 10.5% 9.2% In Million 9.2% 1.3% 6.9% Not Official Statistical Data

8 Total Premium Income CompanyPrudentialBao VietManulifeOthers Total Prem. Income Proportion39.7%33.0%10.3%17.0% Prem Income H In Trillion

9 C07 – Premium EndowmentRepricing Death or TPD Premium Paying Period = 10 yrs Policy Year Maturity Benefit: 200% SA 10% SA 100% SA Interest Feedback

10 C08 – Premium Child EducationRepricing Death or TPD: Waive all remaining Premium Gradation: payable if PO died and LA alive Attain Age % SA 1~ ~ ~ ~21 30 Maturity: 60% SA when LA attains 22-year-old Benefits of PO : Benefits of LA : Death or TPD: 1.2 x all premium paid Education: if LA alives Attain Age %SA ~21 20

11 C09 – Firmly Foundation Term LifeRepricing Death or TPD Premium Paying Period = 10 yrs Policy Year Maturity Benefit: Total Premium Paid in 10 years 100% SA Interest Feedback

12 R04 & R05 & R06Repricing Benefits are remain the same as R01 & R02 & R03 R01 & R02 & R03 Unearned Premium is calculated based on Gross Premium. Ex: a rider lapsed six month after issued Unearned premium = 0.5 * GP Gross Premiums unchanged R04 & R05 & R06 Unearned Premium is calculated based on Net Premium. Ex: a rider lapsed six month after issued Unearned premium = 0.5 * NP Difference :

13 R07 – Medical Rider New Riders Hospitalization Indemnity: 1~30 days : 1.0 SA / per day 31~120 days : 1.5 SA / per day (max 120 days pa) Home Health Care: 1~120 days : 0.5 SA / per day (max 120 days pa) BICU or ICU: 1~30 days : 1.0 SA / per day In addition to hospitalization indemnity (max 30 days pa ) In-patient Surgical: 5.0 SA / per time Benefits :

14 R08 – Term Rider & R09 – Waiver Premium Rider New Riders Death or TPD: 100% SA + Unearned Premium Death or TPD: Waive all remaining premium Benefits of R08: Benefits of R09:

15 PLANNING PROJECT NEXT MONTH   Products Launching   New Branch Assessment 2010   Agent Regulation Modification

16 Products Launching – Basic Plan C07-Premium EndowmentProdLaunch C08-Premium Child Education C09-Firmly Foundation Term Life C10-New 110 Endowment C11-Kids Education

17 Products Launching – Riders R04-New Personal Accident RiderProdLaunch R05-Kids Accident Rider R06-New Accident Medical Rider R07-Medical Rider R08-Term Rider R09-Waiver Premium Rider

18 New Branch Assessment 2010 New Branch Vinh Phuc 芹苴 Can Tho Hai PhongKhanh HoaBinh DuongDong NaiVung Tau

19 Agent Regulation Modification Project for Pre-Agency Branch Manager Financial Support Agent Regulation Project on Reward for Insurance Agents who are Promoted to Insurance Advisors

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