1. P RESENT T O Y OU B Y : C HOO K AH H UI H ENG C HIAT H OU W ONG K AH K EI, J OYCE

2. COMPARATIVE ANALYSIS OF INSURANCE PRODUCTS Prudential, Great Eastern and AIA.

3. M ETHODOLOGY Brochures. Customer service. Insurance company web site

4. I NTRODUCTION

5. e.g. whole-life, endowment and investment-linked policies. e.g. Term or temporary insurance, disability income and dread disease policies Life Insurance Protection Protection and investment

6. Medical Insurance Disability Income Hospital and Surgical Long-term Major Medical Critical Illness

7. L IFE I NSURANCE Uses, Functions and Purposes

8. P RUDENTIAL : PRU LINK Investment-link policy. Gives insured control and flexibility in all stages of life. Give insured comprehensive.

9. GREAT EASTERN : GREAT ENHANCED LIVING CARE Protection and investment services. Coverage against 36 of the most common critical illnesses, total and permanent disability, and death.

10. AIA : INFLATION PROTECTION PLUS (IPP) Endowment policy. Protection such as Death and Total and Permanent disability. Give insured in term of cash dividends and surrender/ terminal dividends.

11. D IFFERENTIATIONS OF PRODUCT

12. L IFE I NSURANCE P OLICY Increase in sum assured. Great Enhanced Living Care IPP  PRUlink Provide extra protection with additional sum assured Great Enhanced Living Care  IPP  PRUlink Standard premium Great Enhanced Living Care  IPP (vary with insured’s age) PRUlink Allocated partly into investment  Great Enhanced Living Care  IPP PRUlink ( free switching fee)

13. M EDICAL I NSURANCE Uses, Functions and Purposes

14. U SES, F UNCTIONS AND P URPOSES Relieve insured of major hospital bills incurred.

15. D IFFERENTIATIONS OF PRODUCT

16. M EDICAL I NSURANCE P OLICY Life time limit. PRUhealth- 10x annual limit. Excelcare Plus & Medicover Plus- no life limit. Great MediCare2- 4x annual limit. Provides executive second opinion service from medical specialist for added assurance. Great MediCare2  PRUhealth  Excelcare Plus & Medicover Plus Medical and tax relief Great MediCare2  PRUhealth  Excelcare Plus & Medicover Plus

17. No claim bonus, choice of plans to suit consumers’ budget and an option to waive the annual claim limits. PRUhealth  Great MediCare2  Excelcare Plus & Medicover Plus Coverage age. PRUhealth- up to100 Excelcare Plus & Medicover Plus- up to100 Great MediCare2- up to 80 Benefits when deal with family  PRUhealth Great MediCare2 Excelcare Plus & Medicover Plus

18. Zero co-insurance for claims within specific amount. PRUhealth Great MediCare2  Excelcare Plus & Medicover Plus Similarities – 24 hour world wide coverage

19. U NDERWRITING C ONSIDERATION Gender Occupation Health Smoker High Earning Group

20. H IGHLIGHTS O F M OST I NTERESTING O R E XCITING P RODUCTS : PRU LINK Giving no claim bonus. Choice of your plans to suit your budget. Coverage up to age 100. Waive the annual claims limit.