1. Whole Life Universal Life
Cathay Life

2. INTRODUCTION
PROTECTION PACKAGE
SAVING PACKAGE
RIDER COMBO
COMMISSION AND BONUS
SALES ILLUSTRATION
IMPORTANT NOTES

3. STRENGTHS OF UL Flexible premium Investment tool Transparency
ability to design plans that close match customers’ demands
Transparency
customers know the expense they pay for their policies
Investment tool
earn interest through UL Fund investment portfolio with a minimum guaranteed rate

4. INTRODUCE PACKAGES high interest accumulation
high long-term protection for 20 years payment
high interest accumulation
Advantage for Agents
click and choose, no need to input many information
also click and choose
2 detailed DMs to easily talk to customers
for Saving package, for attach riders, for high premium

5. INTRODUCE AUTO-RIDER ATTACHMENT
Healthcare (R04,R08)
financial protection against sickness and critical illnesses
Add which riders
Add some statistics (cancer, accidents…)
Personal Accident (R03, R04, R07)
financial protection against accident
Comprehensive (R03, R04, R07, R08)
highest protection level

6. INTRODUCTION
PROTECTION PACKAGE
SAVING PACKAGE
RIDER COMBO
COMMISSION AND BONUS
SALES ILLUSTRATION
IMPORTANT NOTES

7. High Coverage for Affordable premium
PROTECTION PACKAGE
High Coverage for Affordable premium
Sum Assured can be as high as 50 times premium
Add in rider combos to make 3 different attractive products
Healthcare (R04, R08): support hospital expense and critical illness treatment expense
Personal accident (R03, R04, R07): support hospital expense with emphasis on accidental event
Comprehensive (R03, R04, R07, R08): all-in-one package
Re-decorate rider combo, details which rider, which SA
Age SA
Premium 30
800M
12M 35
600M 40 SA
(R03, R04)
(R07, R08)
Personal accident
Healthcare
Comprehensive
100K
100M
0.695M
1.080M
1.405M
200K
200M
1.390M
2.160M
2.810M
300K
300M
2.085M
3.240M
4.214M

8. PROTECTION PACKAGE
*Premium for Protection Package is mostly paid into insurance risk fee.
Illustration chart premiums and benefits of Protection Package
Total premium paid
Account Value
Death/TPD
Above values are illustrated for a male Insured at 35 years old. Interest rate used in the examples is 6%/year. Premium is paid in 20 years.

10. PROTECTION PACKAGE
The comparison table between Protection Package (P01) and A11 PT20 at annual premium 12M and Premium is paid in 20 years.
Policy Year
Protection package
A11
Paid premium
Account Value
Death
/TPD
Cash + Surrender Value 5 60 49
600 30 90 10
120
123
104
279 15
180
220
197 20
240
348
Add total premium paid for A11, remove disadvantages
Death/ TPD
Protection package (P01) has much higher protection level
Cash
Even though small, Protection package (P01) can accumulate some return
Protection package (P01) is whole life so customer is always protected from financial risks
Above values are illustrated for a male Insured at 35 years old. Interest rate is 6%/year. Premium is paid in 20 years.

11. INTRODUCTION
PROTECTION PACKAGE
SAVING PACKAGE
RIDER COMBO
COMMISSION AND BONUS
SALES ILLUSTRATION
IMPORTANT NOTES

12. Attractive interest rate
SAVING PACKAGE
Attractive interest rate
Has minimum guaranteed interest rate for entire policy term: 4%/year for first 10 policy years and 3%/year thereafter
If market level interest rate is 2%, Cathay still pays at least 3%.
Financial security
Receive attractive interest rates from UL Fund. The interest rates can be looked-up from Cathay website.
Add example for expandable coverage
Declared rate for 2016 December was 7.49%
get
buy
High account value
Saving package (20M/year)
Comprehensive protection from financial risks
Comprehensive rider (1.405M)
Make a retirement plan
Above values are illustrated for a male Insured at 35 years old. Interest rate is 6%/year. Premium is paid in 20 years.

13. SAVING PACKAGE very easy to receive high return while SA is acceptable
Basic : Top-up ratio is 1:3
very easy to receive high return while SA is acceptable
Rate of fee allocation  premium proportion
Above values are illustrated for a male Insured at 35 years old. Interest rate is 6%/year. Premium is paid in 20 years.

15. SAVING PACKAGE
The comparison table between Saving Package and A11 PT20 at annual premium 12M and Premium is paid in 20 years.
C17, A11 Cash  cash + surrender value
Saving Package (P02) accumulates interest faster and higher.
Above values are illustrated for a male Insured at 35 years old. Interest rate is 6%/year. Premium is paid in 20 years.

16. INTRODUCTION
PROTECTION PACKAGE
SAVING PACKAGE
RIDER COMBO
COMMISSION AND BONUS
SALES ILLUSTRATION
IMPORTANT NOTES

17. RIDER COMBO
Rider combos Expand scope of coverage through various riders
Add which riders
Add some statistics (cancer, accidents…)
(*)There are other benefits.

18. RIDER – PERSONAL ACCIDENT
RIDER COMBO
RIDER – PERSONAL ACCIDENT
1st YEAR PREMIUM 695,000
RIDER – COMPREHENSIVE
1st YEAR PREMIUM 1,405,000
Benefit
Amount
Hospital Support per Day –
– (tai nạn)
Additional ICU Support per Day
(tai nạn)
Accidental Death/TPD –
Accidental Disabilities –
Accidental Burn
Benefit
Amount
Hospital Support per Day –
– (tai nạn)
Additional ICU Support per Day
(tai nạn)
Accidental Death/TPD –
Accidental Disabilities –
Accidental Burn
Mild Cancer
Critical Illness
RIDER – HEALTHCARE
1st YEAR PREMIUM 1,080,000
Benefit
Amount
Hospital Support per Day –
Additional ICU Support per Day
Accidental Disabilities
Mild Cancer
Critical Illness
Above values are illustrated for a male Insured at 35 years old. Interest rate is 6%/year. Premium is paid in 20 years.

19. RIDER COMBO Premium is paid in extra of budgeted premium
Sum Assured can be adjusted for customer’s demand
Rider min SA?
R08 is fixed at policy term with higher value between 20 years and 65 years old minus current age (age 0 ~ 45, PT R08 = 20; age 46 ~ 60, PT R08 = 65 – age)
Can add other riders to make complete insurance plan
Minimum SA limit: R03/R04: 100K, R07/R08: 100M

20. INTRODUCTION
PROTECTION PACKAGE
SAVING PACKAGE
RIDER COMBO
COMMISSION AND BONUS
SALES ILLUSTRATION
IMPORTANT NOTES

21. High Premium Bonus [Total prem. ≥ 20M]
COMMISSION AND BONUS
Year 1 2 3 4 5 6+
PFYP
Basic
30.0%
10.0%
8.0%
4.5% 2%
70%
Top-up
10%
Give example with bonus!
Package
Basic Premium FYC
Saving Package Bonus
Attach Rider Bonus
High Premium Bonus [Total prem. ≥ 20M]
Max FYC + Bonus
Protection
30%
--- 2% 3%
35%
Saving 5%
40%
Bonuses are based on basic premium
Minimum SA limit: R03/R04: 100K, R07/R08: 100M

22. COMMISSION AND BONUS Total bonus for Protection package Bonus 2% 3% 5%
Bonus is paid based on FIRST PREMIUM
Item
Bonus
(% Basic premium)
Attach rider 2%
High premium 3%
Attach rider and high premium 5%
Give example with bonus!
Package
Premium
Rider combo
Total premium
Bonus
(%basic premium)
Protection 8M
+ Health care
12M
1.08M
13.08M
2% x 12M = 0.24M
Protection (high premium)
20M
3% x 20M = 0.6M
+ Comprehensive
1.405M
21.405M
5% x 20M = 1M
Above values are illustrated for a male Insured at 35 years old. Interest rate is 6%/year. Premium is paid in 20 years.

23. COMMISSION AND BONUS Bonus 5% 7% 8% 10% Total bonus for Saving package
Item
Bonus
(% Basic premium)
Saving package 5%
Attach rider 7%
High premium 8%
High premium + attach rider
10%
Total bonus for Saving package
Bonus is paid based on FIRST PREMIUM
Give example with bonus!
Package
Basic premium
Top-up premium
Rider combo
Total premium
Bonus
(%basic premium)
Saving 2M 6M 8M
5% x 2M = 0.1M
+ Health care 3M 9M
1.08M
13.08M
7% x 3M = 0.21M
Saving (high premium) 5M
15M
20M
8% x 5M = 0.4M
+ Comprehensive
1.405M
21.405M
10% x 5M = 0.5M
Above values are illustrated for a male Insured at 35 years old. Interest rate is 6%/year. Premium is paid in 20 years.

24. INTRODUCTION
PROTECTION PACKAGE
SAVING PACKAGE
RIDER COMBO
COMMISSION AND BONUS
SALES ILLUSTRATION
IMPORTANT NOTES

25. Product application form Input customer information
SALES ILLUSTRATION
STEP 1: Make application form
Log in BCS system
New contract system
Product application form
Input customer information
(1) Input customer’s information
(2) Input code P01 or P02
(3) Click “Lập hồ sơ”

26. SALES ILLUSTRATION STEP 2: Input basic plan
Input only cell “Phí bảo hiểm dự tính”
Click “Xác định”
Choose rider combo “Chọn Combo”
Choose rider combo

27. SALES ILLUSTRATION STEP 3: Choose rider combo
Choose rider combo as suggestion
Click “Xác định”

28. SALES ILLUSTRATION STEP 4: Finish sales illustration
Adjust rider if any
Click “Xác định” again
Click “In” to print sale illustration table
Can adjust riders

29. INTRODUCTION
PROTECTION PACKAGE
SAVING PACKAGE
RIDER COMBO
COMMISSION AND BONUS
SALES ILLUSTRATION
IMPORTANT NOTES

30. TARGET CUSTOMER 400M SA 286M 432M 725M 160M 240M 400M 600M 1 billion
Customer targets
Suggestions for premium levels
Add rider SA limit
Protection Package P01
400M
600M
1 billion SA
Saving Package P02
AV20
286M
432M
725M
Paid premium
160M
240M
400M
Personal accidental
Healthcare
Comprehensive
Add riders
Above values are illustrated for a male Insured at 35 years old. Interest rate is 6%/year. Premium is paid in 20 years.

31. IMPORTANT NOTES
1st Premium is always paid with annual mode. From 2nd year, customers pay with other modes as applied from beginning.
Premium limitation
Age
Protection
Saving
0~50
3.0M
6.0M
51~60
5.0M
8.0M
Remove 3 and 5
Add: must input P01/P02 in the application form
The premium reminder will remind basic premium – top-up premium and rider premium.
Must input P01/P02 in the application form