Every Juan must have a Holy Gardens Life Plan
Rizal Philippines
July 23, 2017
"Mahiwaga ang buhay ng tao
Ang bukas ay hindi natin piho, .."
Hindi natin alam kung ano mangyayari bukas. Liban sa pananalig sa Diyos, at mabuhay sa ideya ng pag asa at pananampalataya sa Diyos na walang masamang mangyayari sa atin at ang bukas ay magiging maganda, ano ang ating gagawin. Pag ibig
Pero ang mahiwagang buhay ng tao ay hindi ganong kakumplikado kung liban sa pagmamahal sa Diyos at kapwa, ito ay pinaghahandaan natin para sa ating paglisan at pagpunta sa bagong langit (John 7: 12 to 13)
sa realidad at sa katotohanan, dapat my plan tayo sa buhay. A Life Plan. Mayroon kana ba para mapiho kung ano mangyayari sa end game/zone?
The Human Life Cycle - It goes on and on; starts with birth and ultimately ends in death
Every Juan must have a Holy Gardens Life Plan
Rizal Philippines
July 23, 2017
Life cycle begins with birth, childhood, young adult, adult (marriage) birth again, then middle aged men, grow old, and eventually die.
That is life. Are you prepared when life ends? Have you planned for this?
Have you bought a plan
Rizal Philippines
July 23, 2017
Life cycle begins with birth, childhood, young adult, adult (marriage) birth again, then middle aged men, grow old, and eventually die.
That is life. Are you prepared when life ends? Have you planned for this?
Have you bought a plan
It does not matter if you are the Captain of your Soul, when your time comes, you are at the mercy of mortuaries and embalmers
Every Juan must have a Life Plan
Rizal Philippines
July 23, 2017
Invictus
The poem Invictus by William Ernest Henley is a poem of self determination, courage and leadership: ie I am the captain of my soul, master of my fate, my unconquerable soul.
But when our time comes, we cant continue saying we are the captain of our bodies. Even at the time of our sickness, we are the mercy of doctors and other health care workers, and even more so when we die. We are at the mercy and manipulation of mortuaries, embalmers and what have you.
How can can you continue and be assured that we will determine the way to go on a the last journey.
You are right BY INVESTING IN A LIFE PLAN NOW
Rizal Philippines
July 23, 2017
Invictus
The poem Invictus by William Ernest Henley is a poem of self determination, courage and leadership: ie I am the captain of my soul, master of my fate, my unconquerable soul.
But when our time comes, we cant continue saying we are the captain of our bodies. Even at the time of our sickness, we are the mercy of doctors and other health care workers, and even more so when we die. We are at the mercy and manipulation of mortuaries, embalmers and what have you.
How can can you continue and be assured that we will determine the way to go on a the last journey.
You are right BY INVESTING IN A LIFE PLAN NOW
Invictus
Out of the night that covers me,
Black as the pit from pole to pole,
I thank whatever gods may be
For my unconquerable soul.
In the fell clutch of circumstance
I have not winced nor cried aloud.
Under the bludgeonings of chance
My head is bloody, but unbowed.
Beyond this place of wrath and tears
Looms but the Horror of the shade,
And yet the menace of the years
Finds and shall find me unafraid.
It matters not how strait the gate,
How charged with punishments the scroll,
I am the master of my fate,
I am the captain of my soul.
Level UPP your experience of a LIFE PLAN
Every Juan must have a Life Plan
Rizal Philippines
July 19, 2017
Level UPP your experience of a life plan with Uni Plus Plan your new LIFE PLAN
This will be a new plan that we are seeking approval from IC; it is currently undergoing actuarial evaluation and analysis.
It is a non traditional life plan. A traditional life plan, while dubbed as inflation protection is old and archaic is inconvenient and poses a great challenge both to the plan holder and the company offering the service;
1. The seller and the plan holder are tied to a particular package. While the fashion even for memorial services is changing, both parties are tied down to a contract and neither can escape or leave. The seller may be experiencing difficulty with a higher cost; the buyer/user of the plan may find the product at the the time he uses it to be old ugly and out moded. The plan holder, and in most cases end up upgrading (paying more for the at need services, which could be over priced sometimes. So much for guaranteed memorial benefit
2. The buyer has no chance to liquidate his investment. He can not encash it. The only way he make the product functional at full price is to use it for a memorial service. Should he sell to third party it will surely be for a discount;
3. Thus being inflexible, he can not have any further use or functionality for the product;
4. His only benefit, as claimed is that it is an inflation protector, ie that the plan holder will not pay more, should there be a price increase. That is good for educ plan (which caused the down fall and collapse of many educ pre need companies) but which does not happen much for life plans, the prices of casket being steady due to the large number of casket makers in Sto Tomas Pampanga.
Enter Unit Plus Plans a NON TRADITIONAL LIFE PLAN
Its main features and benefits/advantages:
1. It is sold in units of P10,000 each and thus can be configured to match the prices of services now available in the memorial chapels: 3 units for P30,000, 4 units for P40,000, 5 units for P50,000, 10 units for 100,000 and so on.
2. The buyer/plan holder can have the freedom to choose his memorial package for his loved ones once he goes to the mortuary. This unit plans serve as his currency. Since there are increments, the currency increases in value and thus is also anti inflationary.
3. The plan holder further more has the flexibility to:
1. To buy more units as his income improves; this is not possible with the traditional plan
2. To cash out, when the need arises and cash out his plan; this is not possible with the traditional plan which is more often locked in with the plan;
4. Like any financial instrument or investment, he has the opportunity to have increments in value annually if the trust fund earnings can provide (with proper investment plan and strategy)
5. For our servicing mortuary; the plan holder gets preferred customer service and guaranteed memorial service because of its long and dedicated customer service in the memorialization business, UPP
Rizal Philippines
July 19, 2017
Level UPP your experience of a life plan with Uni Plus Plan your new LIFE PLAN
This will be a new plan that we are seeking approval from IC; it is currently undergoing actuarial evaluation and analysis.
It is a non traditional life plan. A traditional life plan, while dubbed as inflation protection is old and archaic is inconvenient and poses a great challenge both to the plan holder and the company offering the service;
1. The seller and the plan holder are tied to a particular package. While the fashion even for memorial services is changing, both parties are tied down to a contract and neither can escape or leave. The seller may be experiencing difficulty with a higher cost; the buyer/user of the plan may find the product at the the time he uses it to be old ugly and out moded. The plan holder, and in most cases end up upgrading (paying more for the at need services, which could be over priced sometimes. So much for guaranteed memorial benefit
2. The buyer has no chance to liquidate his investment. He can not encash it. The only way he make the product functional at full price is to use it for a memorial service. Should he sell to third party it will surely be for a discount;
3. Thus being inflexible, he can not have any further use or functionality for the product;
4. His only benefit, as claimed is that it is an inflation protector, ie that the plan holder will not pay more, should there be a price increase. That is good for educ plan (which caused the down fall and collapse of many educ pre need companies) but which does not happen much for life plans, the prices of casket being steady due to the large number of casket makers in Sto Tomas Pampanga.
Enter Unit Plus Plans a NON TRADITIONAL LIFE PLAN
Its main features and benefits/advantages:
1. It is sold in units of P10,000 each and thus can be configured to match the prices of services now available in the memorial chapels: 3 units for P30,000, 4 units for P40,000, 5 units for P50,000, 10 units for 100,000 and so on.
2. The buyer/plan holder can have the freedom to choose his memorial package for his loved ones once he goes to the mortuary. This unit plans serve as his currency. Since there are increments, the currency increases in value and thus is also anti inflationary.
3. The plan holder further more has the flexibility to:
1. To buy more units as his income improves; this is not possible with the traditional plan
2. To cash out, when the need arises and cash out his plan; this is not possible with the traditional plan which is more often locked in with the plan;
4. Like any financial instrument or investment, he has the opportunity to have increments in value annually if the trust fund earnings can provide (with proper investment plan and strategy)
5. For our servicing mortuary; the plan holder gets preferred customer service and guaranteed memorial service because of its long and dedicated customer service in the memorialization business, UPP
So that your great deeds and achievements will be long remembered....
Every Juan must have a Holy Gardens Life Plan
You have lived a full, exciting, fulfilling life;
You were a great success and have great and long list of achievements
You have served others well: your family, your colleagues, your community
You were a man/woman for others;
You planned each careful steps, each chartered course in your life
Cap it, make it memorable, make others remember your well
Your great deeds, achievments and heroic acts
Make them memorable
Invest in a memorial park and LIFE PLAN so that your life
and memories are well remembered and not forgotten
You have lived a full, exciting, fulfilling life;
You were a great success and have great and long list of achievements
You have served others well: your family, your colleagues, your community
You were a man/woman for others;
You planned each careful steps, each chartered course in your life
Cap it, make it memorable, make others remember your well
Your great deeds, achievments and heroic acts
Make them memorable
Invest in a memorial park and LIFE PLAN so that your life
and memories are well remembered and not forgotten
Be sure you when the end is near and you face the final curtain that you have a LIFE PLAN
Every Juan must have a Life Plan
And now the END is near, and I so I face the final curtain...
You lived a life that's full.
You have no regrets, your planned each chartered course, you have a LIFE PLAN You did it your way
And now the END is near, and I so I face the final curtain...
You lived a life that's full.
You have no regrets, your planned each chartered course, you have a LIFE PLAN You did it your way
Death is one of greatest invention of life
Every Juan must have a Life Plan
Every one one would like to seek immortality (to live forever)
Every one dislikes and fear death; and even denying this completely
But death is one of the greatest invention of life
It replaces the old and decaying sick and weak with strong, useful and beautiful;
It recycles the elements of life back to earth and the living
Death refreshes life with new breath and life and that new
Is you
Help refresh this earth painlessly and effortlessly with LIFE PLAN
Buy a LIFE PLAN now
Every one one would like to seek immortality (to live forever)
Every one dislikes and fear death; and even denying this completely
But death is one of the greatest invention of life
It replaces the old and decaying sick and weak with strong, useful and beautiful;
It recycles the elements of life back to earth and the living
Death refreshes life with new breath and life and that new
Is you
Help refresh this earth painlessly and effortlessly with LIFE PLAN
Buy a LIFE PLAN now
How to prepare for death and the end game?
Every Juan must have a Life Plan
All that has a beginning has an END
All that live must DIE
To face the end and death
One must prepare by a buying a LIFE PLAN NOW.
Leave every one happy when you go away
Every Juan must have a Life Plan
Life is lovely, life is joyful, life is happy;
Leave it that way for your loved ones
When you go away
Buy a life plan now
God holds the key to mystery of life and death
Every Juan must have a Life Plan
God giveth and taketh away; only God holds the key to mystery of life and death
But only a life plan is a key that can lessen your sorrow and pain in your hour of grief
Lire Plan takes over your pain and sorrow
Every Juan must have a Life Plan
WHEN LIFE IS OVER,
THE LIFE PLAN TAKES OVER THE PAIN AND SORROW
Death clarifies your goals in life
Every Juan must have a Life Plan
Thinking about your death clarifies your goal in life. What is your ultimate goal in life?
How would you like to be remembered? What is your purpose in life. Thinking about that end game and preparing for it, like putting your life in order, and the things and people you leave behind, makes you wary of whether you will leave them good memories or heartaches in problems.
One of the best thing you can do is not to leave them financial worries especially with regards to your final arrangements; and how the assets you leave behind will be divved up.
Estate Planning
Live to Die by Michael Dragony
Thinking about your death clarifies your goal in life. What is your ultimate goal in life?
How would you like to be remembered? What is your purpose in life. Thinking about that end game and preparing for it, like putting your life in order, and the things and people you leave behind, makes you wary of whether you will leave them good memories or heartaches in problems.
One of the best thing you can do is not to leave them financial worries especially with regards to your final arrangements; and how the assets you leave behind will be divved up.
Estate Planning
Live to Die by Michael Dragony
Why you should invest in a service now; its about savings, peace of mind and convenience
Rizal Philippines
July 16, 2017
Reasons why you should invest in services if you have all ready bought a plot/lot at Holy Gardens Memorial Park.
You have bought a plot at Holy Gardens. What next? Is it enough that you have a plot. You must invest in services too to complete the requirements of memorialization at the hour need. We can not be in denial that end of life comes to every one. Only God holds the key and secret about the mystery of life and death. When that time comes and you have not bought a service
1. If the head of the family or the family is not prepaid for the eventuality of death in the family due to denial or complacency, (BAHALA NA) the family has the following choices:
NEGATIVE RESULTS IF YOU DO NOT INVEST (Especially if your pockets are worn from the huge hospital bills spent for the deceased)
1. BEG FROM THE VEHICLES AND PASSERS BY:
2. BORROW MONEY FROM RELATIVES
3. MAG PASUGAL
4. Buy a service not worthy of your stature in the community
2. Without cash on hand, the family is forced to:
1. Go along with price gouging (in the parlance of upgrade) of the funeral homes
2. Listen to advice of friends and relatives that may be incorrect
3. Or go on terms with the funeral homes (they do not usually allow that because of the understanding of Civil and Family code, ie they are not forced to pay. Hence the funeral homes will not give service until you make a down payment or pay in cash
3. If you have plan:
1. You or the family will have peace of mind
2. That you will not be a victim to unscrupulous persons
3 Have insurance protection during the paying period
If you are insurable:
1. GYRT - term life insurance giving the principal full coverage on the entire amount even if balances are paid for deaths occurring due to natural causes
2. PAI (Personal Accidents)- ADD double indemnity in case of deaths arising from accidents: fall, vehicular accdients, or falls
4. If you have a plan, for a small amount monthly you get guaranteed memorial service:
1. First call
2. Preparation of the body
3. Viewing
4. Interments
5. Preferred customer service:
1. Motifs and themes
2. Amenities (funeral pack, free water, tent, flowers, uniformed escorts)
3. Free obits (on line)
4. Tributes
6. You save plenty:
There is 20% savings (a hefty amount) if you buy pre paid. At need prices is 20% more and based on selling price. You can select the package that you like and want before. You do not know what you get at your hour or need:
7. You are assured of the price even at todays low prices, even if there are inflationary pressure in the future:
Prepaid Memorial Service
Pre paid At Need Price Difference
Wood White Rose - P30,000 37,500 7,500
Gladioli 40,000 50,000 10,000
Cattleya 50,000 62,500 12,500
Metal
Peace Lily 60,000 75,000 15,000
Carnation 90,000 112,500 22,500
Chrysanthemum 110,000 137,500 27,500
3. High end
Lotus 150,000 187,500 37,500
Gold Orchid 200,000 250,000 50,000
Saffron 300,000 375,000 75,000
Bouquet 500,000 625,000 125,000
2 Casket Matching
Wood
1.White rose OMS full glass
2. Gladioli full glass wood
3. Cattleya senior elgin
or junior full glass wood
Metal
4. Peace Lily Jr or Senior Metal
5. Carnation Semi Metal Plexi
6. Chrysanthemum Metal Plexi
In case of shortage, wood casket as junior or senior lizo may be used. for 4 and 5
In case of shortage, wood casket as junior or senior lizo may be used. for 4 and 5
High End
1. Lotus Metal face to face
Jango Plexi
2. Gold orchid Semi Bronze
mported wood
3. Saffron Solid Stainless I
4. Bouquet Solid Bronze
Prepaid Interment Service (Will be sold only to those with existing plots, or ppa with Holy Gardens)
Prepaid At Need * Savings
Basic (Proposed) ECON 12,000 14,900 2,900
This is such a bargain. It is the cheapest interment in town but albeit basic
De Luxe 23,000 26,000 3,000
Luxury 26,000 29,500 3,500
Buy now.
See or call your Holy Gardens Sales Executive now. Or visit the office nearest you
Concept of Uni + Plans becoming clearer passing the Actuarial hurdle
Every Juan must have a Holy Gardens Life Plan
Rizal Philippines
June 23, 2017
We are on final stages of having actuarial studies a non traditional plan which is UNIT + Plans. These are to be sold in units of P10,000 each to match various funeral services
The minimum number of plans to be sold to break even for the plan seller is 3 units (P30,000)
Then we have to IC for product plan approval.
The features of the product (internal and financial perspective)
(
1. Unit Price one unit 3 units
Unit Price P10,000 Total P30,000 Total
Annual 2,000 10,000 6,000 30,000
Semi Annual 1,060 10,300 3,180 31,800
Quarterly 562 11,240 1,686 33,720
Monthly 199 11,940 597 35,870
2. Trust Fund Contribution
Year 1 2 3 4 5 Total
TFC 10.00 60.66 60.66 60.66 60.66 50.53
Com 40.00 10.00 ----- ---- ---- 10.00
ME 3 3 3 3 3 3.00
Admin 20.00 10.00 10.00 10.00 10.00 12.00
Insurance 0.8 0.8 0.8 0.8 0.8 4.00
Vat 1.2 1.2 1.2 1.2 1.2 1.2 6.00
ST 85.53
Liquidity fund 14.47
Shall used for liquidity, other investments and other expenses (to pay extra the mortuary, to make investments in memorial products of other companies)
3. Matching the funeral product services with the unit plans
The catalogue of services shall be provided the sellers. Based on what the customers want, using only one product, the prospect shall select the number of units he/she needs; The number of units shall match the product or service selected at the servicing mortuary (or in house chapel memorial service)
Unit Plans #Units Matching Package
Rizal Philippines
June 23, 2017
We are on final stages of having actuarial studies a non traditional plan which is UNIT + Plans. These are to be sold in units of P10,000 each to match various funeral services
The minimum number of plans to be sold to break even for the plan seller is 3 units (P30,000)
Then we have to IC for product plan approval.
The features of the product (internal and financial perspective)
(
1. Unit Price one unit 3 units
Unit Price P10,000 Total P30,000 Total
Annual 2,000 10,000 6,000 30,000
Semi Annual 1,060 10,300 3,180 31,800
Quarterly 562 11,240 1,686 33,720
Monthly 199 11,940 597 35,870
2. Trust Fund Contribution
Year 1 2 3 4 5 Total
TFC 10.00 60.66 60.66 60.66 60.66 50.53
Com 40.00 10.00 ----- ---- ---- 10.00
ME 3 3 3 3 3 3.00
Admin 20.00 10.00 10.00 10.00 10.00 12.00
Insurance 0.8 0.8 0.8 0.8 0.8 4.00
Vat 1.2 1.2 1.2 1.2 1.2 1.2 6.00
ST 85.53
Liquidity fund 14.47
Shall used for liquidity, other investments and other expenses (to pay extra the mortuary, to make investments in memorial products of other companies)
3. Matching the funeral product services with the unit plans
The catalogue of services shall be provided the sellers. Based on what the customers want, using only one product, the prospect shall select the number of units he/she needs; The number of units shall match the product or service selected at the servicing mortuary (or in house chapel memorial service)
2. Funeral Services
Unit Plans #Units Matching Package
Wood - P30,000 3 Whtie Rose 37,500
40,000 4 Gladioli 50,000
50,000 5 Gladioli 62,500
Metal
60,000 6 Peace Lily 75,000
90,000 9 Carnation 112,500
120, 000 12 Chrysanthemum 150,000
3. High end
150,000 15 Lotus 187,500
200,000 20 Gold Orchid 250,000
300,000 30 Saffron 375,000
500,000 50 Bouquet 625,000
Interment Service
12,000 1 Econo 14,900
23,000 2 De Luxe 26,000
26, 000 3 Luxury 30,000
Cremation
30,000 3 units Direct Crem 35,000
50,000 5 units With Service 62,500
after cremation
60,000 6 units With service 75,000
before cremation
N. B.
One unit is a loss product
There is profit on 3 units as listed
4 Product benefits and advantages
1. Insurance protection during the paying period: term life and personal accident
2. Flexible: only one product a unit plan to cover 16 product lines; not fixed to any particular plan but to the peso value of the plan
3 Liquid can be withdrawn any time especially past the paying period (on the 6th year)
4 With increments - depending on the trust fund earnings the plan holder will participate get a share of additional earnings of the trust fund.
Interment Service
12,000 1 Econo 14,900
23,000 2 De Luxe 26,000
26, 000 3 Luxury 30,000
Cremation
30,000 3 units Direct Crem 35,000
50,000 5 units With Service 62,500
after cremation
60,000 6 units With service 75,000
before cremation
N. B.
One unit is a loss product
There is profit on 3 units as listed
4 Product benefits and advantages
1. Insurance protection during the paying period: term life and personal accident
2. Flexible: only one product a unit plan to cover 16 product lines; not fixed to any particular plan but to the peso value of the plan
3 Liquid can be withdrawn any time especially past the paying period (on the 6th year)
4 With increments - depending on the trust fund earnings the plan holder will participate get a share of additional earnings of the trust fund.
New Product plan undergoing actuarial study
Every Juan must have a Holy Gardens Life Plan
Rizal Philippines
June 15, 2017
We just paid the DP for a new product plan for the Actuarial Advisers Inc.
What are the features:
1. It is in units of 3
2. Comes at P10,000 per unit
3. When sold, it is merely indicated as 3, 4, 5, 6, 7, 8, or 10 units
Thus White Rose is 3 units, Chrysanthemum is 11 units, Direct Cremation is 3 units, PIS is 2 units
4. Important features:
1. Insurance protection during paying period: life and accident; double indemnity for Personal Accident, and for life term insurance, cash back of what has been paid
2. Guaranteed memorial services
3. Cash back can be surrendered past the paying period
4. Is an investment because it has increments It can double itself in 25 years, thanks to solid investmenta and business models of memorial assetsof the Holy Gardens group
5. Flexible - one type can buy all kinds mortuary service
For our sellers it means easy selling no need to memorize so many products
Rizal Philippines
June 15, 2017
We just paid the DP for a new product plan for the Actuarial Advisers Inc.
What are the features:
1. It is in units of 3
2. Comes at P10,000 per unit
3. When sold, it is merely indicated as 3, 4, 5, 6, 7, 8, or 10 units
Thus White Rose is 3 units, Chrysanthemum is 11 units, Direct Cremation is 3 units, PIS is 2 units
4. Important features:
1. Insurance protection during paying period: life and accident; double indemnity for Personal Accident, and for life term insurance, cash back of what has been paid
2. Guaranteed memorial services
3. Cash back can be surrendered past the paying period
4. Is an investment because it has increments It can double itself in 25 years, thanks to solid investmenta and business models of memorial assetsof the Holy Gardens group
5. Flexible - one type can buy all kinds mortuary service
For our sellers it means easy selling no need to memorize so many products
Destiny Plans at Bulletin Today Biz News
Every Juan must have a Holy Gardens Life Plan
The group picture of Messrs. Arsenio Bartolome III, Jorge Saguinsin, Madelen R. Saguinsin with Commissioner Dennis Funa when he handed over the Certificate of Authority to Operate at the latters office in OIC.
The group picture of Messrs. Arsenio Bartolome III, Jorge Saguinsin, Madelen R. Saguinsin with Commissioner Dennis Funa when he handed over the Certificate of Authority to Operate at the latters office in OIC.
Grant of license by OIC to Destiny LIfe Plans
Every Juan must have a Holy Gardens Life Plan
These are the recent pictures of Destiny Life Plans with Commissioner Dennis Funa when he personally gave to the erstwhile CEO of Destiny Arsenio Bartolome III the renewal of the License to Operate for 2017
These are the recent pictures of Destiny Life Plans with Commissioner Dennis Funa when he personally gave to the erstwhile CEO of Destiny Arsenio Bartolome III the renewal of the License to Operate for 2017
New Product to be submitted for approval, for launching
Every Juan must have a Holy Gardens Life Plan (UNI + PLANS)
Company: Destiny Financial Plan
Company: Destiny Financial Plan
or Holy Gardens Life Plan
Product Name
UNI + PLANS
Isang plano maraming benepisyo
This new product is a unit plan of P10,000 each and can be bought as one two ten or more units to fit his budget. It also has other features that combines the benefits of a life plan with protection, and money back benefits
Important features:
1. Affordable - available in units of P10,000. Only P220 monthly installments. Kayang kaya
Flexible - you can buy bigger amounts by adding units
3. Secured: company, Destiny Financials is duly licensed and approved by Office of the Insurance commissioner just like a bank is trustworthy as approved by Bangko Sentral ng Pilipinas
Backed by assets of Holy Gardens memorial park with several sites nationwide, with memorial assets running into billions
4. Guaranteed memorial service. The certificates when fully paid can be used to purchase preferred memorial service in the accredited mortuaries (Category 1) In the areas where the plan is sold as in Pangasinan and Calamba, the affiliates has memorial assets as memorial park, chapel memorial services, crypts and soon to be crematorium
5. Insurance protection during the paying period.
Life insurance protection
A. Term life insurance for qualified plan holders
Double benefit:
1. Amortization deemed paid if the plan holder dies of natural cause;
2. Cash benefit - principal repayment shall be paid back to the beneficiary
Not to mention that the planholder enjoys the memorial benefit
B. Personal accident
1. Double indemnity in case the insured dies from falls, vehicular accidents or falls
2. Amortization deemed paid (full for total disability) and partial for partial disability
Double the amount of the insurance in case the plan holder
6. Cash back
The planholder may opt after the paying period to use the cash benefits of the plan (based on the CSV) table for uses other than the memorial service, provided the the plan holder buys again the plan. The plan holder may use the cash for for emergencies, and other uses like education, travel, health and more.
It is not necessary and the usual practice that the life plan shall be dedicated only for memorial services. There is life beyond life plans, and other uses.
7. With increment benefit (Investment)
If the planholder cashes out and the trust fund has earnings this shall be shared with the plan holder.
This is comparable to a V u L plan. It gives better yield than bank deposits which is only 1/4 of 1% annually.
If the plan holder survives beyond 25 years, his heirs beneficiary shall be given a new plan
Compared to life plans, Uni + plans is not solely dedicated to memorial plans because you have a cash back. It is a true investment because there is liquidity and increment in value should the trust fund earn more from its investment income A true game changer in the life plan industry. V Plans can not be used can not guarantee memorial services as they are now, even though the plan holder can be assured of cash benefits, they having no expertise in the industry.
Call us now, or get in touch with our accredited sales consultants
Agents welcome.
Text or call: 0917 305 6985 Globe
0933 861 5800
Email: holygardens.group@gmail.com
Re computation adjustment of reimbursement of mortuary services
Based recent information, for the mortuary agreement of SPLP, they pay for the 25,000 package only 41% of the total contract price or only P10,200. We have offered a very high of 60% for our proposal to a mortuary. The informant said we are offering too high. Destiny Financial must also make some margin.
The Pre Need code only allows 49% as TF, that is why SPLP try to keep costs down to 41% to make a neat 8% profit. We strive to make TF to 60% that is why we offer up to 60%.
Some mortuary claim that Eternal for example reimburse up to 80% and 90% of the plan. (It is actually of the TF amount which is 49% of the TCP!
Some conclusions:
1. We should recompute for the reimbursement. A HGMP chapel should be treated as a mortuary. HGMP should strive to keep costs down.
2. SPLP service is criticized for lack of service due to severe cost cutting
3. We should strive to keep our level of service high
We should also base our nego on the TF amount, rather than TCP:
Based recent information, for the mortuary agreement of SPLP, they pay for the 25,000 package only 41% of the total contract price or only P10,200. We have offered a very high of 60% for our proposal to a mortuary. The informant said we are offering too high. Destiny Financial must also make some margin.
The Pre Need code only allows 49% as TF, that is why SPLP try to keep costs down to 41% to make a neat 8% profit. We strive to make TF to 60% that is why we offer up to 60%.
Some mortuary claim that Eternal for example reimburse up to 80% and 90% of the plan. (It is actually of the TF amount which is 49% of the TCP!
Some conclusions:
1. We should recompute for the reimbursement. A HGMP chapel should be treated as a mortuary. HGMP should strive to keep costs down.
2. SPLP service is criticized for lack of service due to severe cost cutting
3. We should strive to keep our level of service high
We should also base our nego on the TF amount, rather than TCP, based on % of TLP
Hence:
TCP TF High Low % of TCP
50 % Amount % Amount High Low
Zinnia 15,000 7,500 100 7,500 95 7,125 50 47.5
Daffodil 20,000 10,000 95% 9,500 90 8,550 47.5 42.75
Wood casket
White Rose 30,200 15,100 95 14,435 65 13,590 47.79 45.15
Gladioli 39,500 19,750 90 17,775 65% 16,787 45,00 42.49
Cattleya 48,500 24,250 90 21,285 65% 20,612 43.88 42.49
Metal Casket
Peace Lily 62,400 31,200 85 26,250 65 24,960 42.06 40/00
Carnation 89,500 44,750 85 38,037 65 35,800 42.49 40.00
Chrys 115,200 57,600 80 46,080 65 43,200 40.00 37.5
Top end
Lotus 150,000 75,000 80 60,000 60 56,250 40.00 37.5
Gold Orchid 200,000 100,000 80 80,000 60 75,000 40.00 37.5
Saffron 300,000 150,000 75 112,500 60 105,000 37.5 35.00
Bouquet 500,000 250,000 70 175,000 55 162,500 35.00 32.5
Based on our matrix of services, and P n L we should try to find out if the mortuary will make money and by what %
For negotiators able to bring down the %, they get from Destiny, + signing bonus of P2,000 for the officer/seller:
For negotiators able to bring down the %, they get from Destiny, + signing bonus of P2,000 for the officer/seller:
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