Every Juan must have a Holy Gardens Life Plan
Rizal Philippines
January 15, 2017
We are nearing the completion of hiring of a Lady Marketing Coordinator for Holy Gardens PMS (Destiny) Life Plans. That seems to be a good brand name in her opinion as this is more well known. Destiny is not. (I observed this to be correct since we wasted a lot of tarp in Pangasinan )when we inadvertently and mistakenly approved the printing of such. Destiny is not well known. HOLY GARDENS is.
We seem to be agreeing on a lot of things with the lady since she was well versed in selling a herbal product on line and via MLM and other lifelines.
1. That this is a numbers game. We have to recruit and train plenty to have more sales and income.
2. She knows how to train.
3. We agree on the content of the training sked: goal setting product knowledge.
4. We agreed that we will cover the following territories: Angono Binangonan, Taytay, Cainta and Antipolo She declined the Marikina and Pasig.
5. Starting salary
It is unlike the previous one whom we hire who seem unfamiliar with this type of selling, the training of sellers, the priorities, what needs to be done. The other one seem to be overcome with yabang and the desire for only the salary and hence his downfall
We plan to complete her requirements next week, orientation thereafter. train the sellers by the end of the month and sell by February.
We still are working out targets and roll out.
We can grow the PMS by merely emphasizing benefits and selling to existing Memorial Park Customers
Every Juan must have a Holy Gardens Life Plan
How Philplans did it?
How they are doing it? We can learn more from them
Rizal Philippines
January 13, 2017
Remember the earlier post we made, the history by Chairman Arsenio Bartolome III how Philplans has money literally flowing out of its ears by doing business together with Heritage. Philplans did a wonderful job of defining the need of the memorial services: funeral and cremation and the benefits that they can get from Heritage
Philplans from Slideshare
1. use of the chapel
2. karuwahe
3. special hearse
4, flower car
The items like flower we mention are not there. But the high price oozed of class and exclusivity.. Nothing is mentioned about plots of Heritage
The benefits
MEMORIAL BENEFITS Guaranteed Memorial Service Benefit The guaranteed lump sum fund that will be used in rendering the memorial service in Heritage Park Guaranteed annual increase of 5% of the Contract Price, one plan anniversary after the paying period. Cash Difference Benefit
MEMORIAL BENEFITS Professional Administration of Memorial Services Family Assistance Dept. (FAD) provides assistance in arranging and administering the details of the PhilPlans - Family Assistance Department 24/7 (including Heritage memorial service through holidays) Park. For Metro Manila: 403-5859, 8027344 Toll Free: 1-800-10-800-8888 the planholder’s family from the Spares the planholder’s family from the harrowing ordeals of attending to funeral arrangements.
HERITAGE MORTUARY SERVICES CREMATION SERVICES MEMORIAL SERVICES Pick-up of the deceased from the place of Pick-up of the deceased from the place of death death Mortuary Services (preparation Mortuary Services (preparation & embalming) & embalming) Casket Casket Urn Floral Package Cremation Floral Package Chapel Rental (3) Day Viewing Food Package Chapel Rental (3) Day Viewing Food Package Transporation: Hearse and Flower Car Obituary Publications Transporation: Hearse and Flower Car Obituary Publications Permits/Death Certificates Thank You Cards, Registry Book, Event Management/Venue set-up, etc. Permits/Death Certificates Thank You Cards, Registry Book, Event Management/Venue set-up, etc
Cremation:
PREFERENTIAL RATE CUSTOMER Package Price Price w/ Senior Citizen Discount w/ Pamana Heritage P 240,000 P 192,000 package same as 340 of the Walk-in Walk In P 340,000 P 272,000 Regular rate Walk In P 550,000 P 440,000 Regular rate Walk In P 850,000 P 680,000 Regular rate Walk In P 1,300,000 P 1,040,000 Regular rate Walk In P 1,500,000 P 1,200,000 Regular rate Walk In P 1,800,000 P 1,440,000 Regular rate Walk In P60,000 P 45,000 Cremation only Walk In P 150,000 P 120,000 Direct Cremation w/ wake: Description Cremation, Urn, 3-day Viewing, No Casket
Preferential treatment and SC discount:
At the same time they mentioned the Philplans features (we are not defining that very well but their ppt accentuate that:
1. The savings part (the guaranteed 5% growth)
2. No return of payments but new plan if the owner survives 40 years after purchase
3. The CGLI:
amortization deemed paid
ADD benefits two x ang benefits)
4 Pamana (Heritage benefits) (like return)of payment except that there is no return of payment, merely new plan. Wow
We can improve our product more the more and beat the competition to the ground
How Philplans did it?
How they are doing it? We can learn more from them
Rizal Philippines
January 13, 2017
Remember the earlier post we made, the history by Chairman Arsenio Bartolome III how Philplans has money literally flowing out of its ears by doing business together with Heritage. Philplans did a wonderful job of defining the need of the memorial services: funeral and cremation and the benefits that they can get from Heritage
Philplans from Slideshare
1. use of the chapel
2. karuwahe
3. special hearse
4, flower car
The items like flower we mention are not there. But the high price oozed of class and exclusivity.. Nothing is mentioned about plots of Heritage
The benefits
MEMORIAL BENEFITS Guaranteed Memorial Service Benefit The guaranteed lump sum fund that will be used in rendering the memorial service in Heritage Park Guaranteed annual increase of 5% of the Contract Price, one plan anniversary after the paying period. Cash Difference Benefit
MEMORIAL BENEFITS Professional Administration of Memorial Services Family Assistance Dept. (FAD) provides assistance in arranging and administering the details of the PhilPlans - Family Assistance Department 24/7 (including Heritage memorial service through holidays) Park. For Metro Manila: 403-5859, 8027344 Toll Free: 1-800-10-800-8888 the planholder’s family from the Spares the planholder’s family from the harrowing ordeals of attending to funeral arrangements.
HERITAGE MORTUARY SERVICES CREMATION SERVICES MEMORIAL SERVICES Pick-up of the deceased from the place of Pick-up of the deceased from the place of death death Mortuary Services (preparation Mortuary Services (preparation & embalming) & embalming) Casket Casket Urn Floral Package Cremation Floral Package Chapel Rental (3) Day Viewing Food Package Chapel Rental (3) Day Viewing Food Package Transporation: Hearse and Flower Car Obituary Publications Transporation: Hearse and Flower Car Obituary Publications Permits/Death Certificates Thank You Cards, Registry Book, Event Management/Venue set-up, etc. Permits/Death Certificates Thank You Cards, Registry Book, Event Management/Venue set-up, etc
Cremation:
PREFERENTIAL RATE CUSTOMER Package Price Price w/ Senior Citizen Discount w/ Pamana Heritage P 240,000 P 192,000 package same as 340 of the Walk-in Walk In P 340,000 P 272,000 Regular rate Walk In P 550,000 P 440,000 Regular rate Walk In P 850,000 P 680,000 Regular rate Walk In P 1,300,000 P 1,040,000 Regular rate Walk In P 1,500,000 P 1,200,000 Regular rate Walk In P 1,800,000 P 1,440,000 Regular rate Walk In P60,000 P 45,000 Cremation only Walk In P 150,000 P 120,000 Direct Cremation w/ wake: Description Cremation, Urn, 3-day Viewing, No Casket
Preferential treatment and SC discount:
- PREFERENTIAL TREATMENT Wake/Viewing: Chapels Free extension of the Viewing days and upgrade* from Regular Chapel (40 – 50 guests) to Premiere Chapel which can accommodate up to 150 guests. (*subject to the availability of the Chapel; reservation on a first come- first served basis)
- 45. PREFERENTIAL TREATMENT Ceremonial Departure: Hearse Use of exclusive Hearse to transport remains within 20 Kilometer radius from Heritage Park Mortuary and Crematory to its final resting place anywhere in Metro Manila.
- 46. PREFERENTIAL TREATMENT Ceremonial Departure: Flower Car Free usage of a single truck type vehicle for carrying the dearly departed's portrait and floral ornaments to lead the funeral / burial march (reservation on a first come-first served basis)
- 47. PREFERENTIAL TREATMENT Ceremonial Departure: Family Car Free usage of a single chauffer-driven limousine type vehicle for the immediate family's use during the funeral / burial march (reservation on a first come- first served b
At the same time they mentioned the Philplans features (we are not defining that very well but their ppt accentuate that:
1. The savings part (the guaranteed 5% growth)
2. No return of payments but new plan if the owner survives 40 years after purchase
3. The CGLI:
amortization deemed paid
ADD benefits two x ang benefits)
4 Pamana (Heritage benefits) (like return)of payment except that there is no return of payment, merely new plan. Wow
- PAMANA ADVANTAGE Fully Paid New Life Plan The chosen beneficiary of the planholder will be entitled to a fully paid new life plan Planholder may assign this new plan to one beneficiary only using an Endorsement Letter
- 37. PAMANA ADVANTAGE Fully Paid New Life Plan Condition 1: If Planholder dies before age 65 and chosen beneficiary is within the acceptance age and is in good health Beneficiary will avail of the additional Life Plan* *May be a Life plan or any existing Pre-Need product at the time of availment.
- 38. PAMANA ADVANTAGE Fully Paid New Life Plan Condition 2: If Planholder dies before age 65 and chosen beneficiary is no longer within the acceptance age and/or is not in good health Beneficiary will be enrolled in a Pre-Need Plan* without insurance benefits *May be a Life plan or any existing Pre-Need product at the time of availment.
We can improve our product more the more and beat the competition to the ground
Holy Gardens PMS or Holy Gardens Life Plans would look like a better brand
Every Juan must have a Holy Gardens Life Plan
Rizal Philippines
January 13, 2017
We printed many brochures for Destiny Financial Plans Inc and tarpaulin for product launch in Pangasinan, and unfortunately, they did not sell. Why? Destiny is not well known. But Holy Gardens is.
As I was talking to a marketing officer candidate, she suggested to use Holy Gardens.
What do you think?
Rizal Philippines
January 13, 2017
We printed many brochures for Destiny Financial Plans Inc and tarpaulin for product launch in Pangasinan, and unfortunately, they did not sell. Why? Destiny is not well known. But Holy Gardens is.
As I was talking to a marketing officer candidate, she suggested to use Holy Gardens.
What do you think?
New Way of Experiencing Memorial Services
Every Juan must have a prepaid memorial service
It looks better to use Holy Gardens brand (Destiny is not known - nilalangaw)
Positioning: Holy Gardens Prepaid Memorial Service
A great new way to experience memorialization
1 Align new customer experience with Holy Gardens interment:
Free obit
themes
tribute
balloon tribute
memory board
memory display
themes (motifs)
2 Come ons like attractive caskets top of the line casket
3. Use of themes to enhance enchant customer experience.
4. Having family bereavement counsellors to inform and assist customers on their hour of need.
4 To be developed soon:
Use of on line platform:
Purchase on line;
Inquiry on line
Call center for inquiry and transactions
Many funeral counselors to advise customer
Having spiritual counsellors (to be developed soon)
Advantages for the Holy Gardens (Destiny) Life Plan: (for customers
1. BEing offered jointly with Holy Gardens Group, a group which has been in memorial business for the last 33 years;
2. With solid assets and record of customer service and memorial service;
3. With own mortuary with complete services.
4. Offers complete services: interment, cremation, and chapel memorial service.
5. With credit life insurance to pay for the balance and return principal paid in case of death after contestable period and for qualified buyers.
6. Upon approval of IC with return of payments for certain packages
It looks better to use Holy Gardens brand (Destiny is not known - nilalangaw)
Positioning: Holy Gardens Prepaid Memorial Service
A great new way to experience memorialization
1 Align new customer experience with Holy Gardens interment:
Free obit
themes
tribute
balloon tribute
memory board
memory display
themes (motifs)
2 Come ons like attractive caskets top of the line casket
3. Use of themes to enhance enchant customer experience.
4. Having family bereavement counsellors to inform and assist customers on their hour of need.
4 To be developed soon:
Use of on line platform:
Purchase on line;
Inquiry on line
Call center for inquiry and transactions
Many funeral counselors to advise customer
Having spiritual counsellors (to be developed soon)
Advantages for the Holy Gardens (Destiny) Life Plan: (for customers
1. BEing offered jointly with Holy Gardens Group, a group which has been in memorial business for the last 33 years;
2. With solid assets and record of customer service and memorial service;
3. With own mortuary with complete services.
4. Offers complete services: interment, cremation, and chapel memorial service.
5. With credit life insurance to pay for the balance and return principal paid in case of death after contestable period and for qualified buyers.
6. Upon approval of IC with return of payments for certain packages
PMS product features, com, TF,
Every Juan must have a prepaid memorial service
Notes:
1. Embalming must be only P500.00 all in for low end (15, to 20t; 500 gasoline) bare
2. 15,t to 48.5 is home viewing only; chapel use is for services above P50,000
3. For home viewing: free use
2 tents, 4 tables 36 chairs
Default features:
1 14 days embalming
2. 25 km free pick up, beyond + P5,000; up to 50 km P10,00 per km for low end; P15,00 for high end
3. 7 nights 8 days home viewing; 3 nights and 4 days for chapel use; beyond 3 nights, 2,000 per night for non aircon and 3,000 for aircon rooms of 50 sm or less
4. Two tarps - announcement and appreciation
5. 36 pp tributes
6. free obits
7. memory board
8. Memory display
9. Eburol (free wifi)
10. E libing
11. Candles
12, Mass cards
Funeral pack
4. funeral pack of P300.00 consisting of coffee, creamer and sugar or 3 in 1 worth 1 night only 50 pcs for low end; 2 night for white rose up to gladioli
nightly for cattleya up, with candies and cornick too
Playing cards:
2 pcs China for low end;
3 for wood bicycle brand for wood casket
6 for metal caskets
10 for high end
Water:
Free water and dispenser 2 container for low end
Free water with dispenser for wood caskets 10 containers
Free water with dispenser for metal caskets 20 containers
Unli water for high end
Flowers:
Spray for low end
1 Corona for wood caskets up to Cattleya
2 Corona to be changed when they wilt and potted plants and simple themes up to Carnation
3. Full flowers or plants at base of casket ; theme bamboo or rattan at back
4. For 150, 000 and above:
Garden or flower themes below the casket, and at the backdrop (with wire mesh or bamboo and tikiw; fresh flowers should be 5t to 10,000 cogs
Flowers for P500,000 above should consist of say 2 special coronas and other flower arrangement worth 20,000
Flowers for P500,000 above should consist of say 2 special coronas and other flower arrangement worth 20,000
Van (18 pax)
Free for 150,000 up to 200,000 one day
Free for 300,000 up for two days
Fund allocation
Fund allocation
COM
|
CGLI
|
ME
|
TF
|
VAT
|
GAI
| ||||||
50.0%
|
(10%)
|
3.6%
|
(0.72%)
|
10%
|
(2%)
|
10%
|
(2%)
|
1.2%
|
(0.24%)
|
25.2%
|
(5.04%)
|
-
|
14.4%
|
(2.88%)
|
5.0%
|
(1%)
|
50%
|
(10%)
|
6%
|
(1.20%)
|
24.6%
|
(4.92%)
| |
-
|
-
|
5.0%
|
(1%)
|
65%
|
(13%)
|
7.8%
|
(1.56%)
|
22.2%
|
(4.44%)
| ||
-
|
-
|
-
|
65%
|
(13%)
|
7.8%
|
(1.56%)
|
27.2%
|
(5.44%)
| |||
-
|
-
|
-
|
60%
|
(12%)
|
7.2%
|
(1.20%)
|
32.8%
|
(6.56%)
| |||
10%
|
3.6%
|
4%
|
50%
|
6%
|
26.4%
| ||||||
Edited back to 50% 12/4 2016
Edited back to 50% 12/4 2016
Deduction from the principal:
Interest, CGI VAT
1 3.6 1.2
2 14.4 6.0
3 -- 7.8
4 -- 7.8
5 -- 7.8
Amortization:
PMS
TCP Annual Semi Annual Qtrly Monthly
5 % 15 % 20%
Compassionate (Social)
Zinnia 15,000 3,000 1,575 862.50 300.00
Daffodil 20,000 4,000 2,100 1,150 400.00
Wood (Economic)
White Rose 30,200 6,040 3,171 1,736.50 604.00
Gladioli 39,200 7,840 4,116 2,254.00 784.00
Cattleya 48,500 9,700 5,092.50 2,778.75 970.00
Metal casket (classy)
Peace Lily 62,400 12,480.00 6,552.00 3,558.00 1, 248.00
Carnation 89,500 17,900.00 9,397.50 5,146.25 1,790.00
Chrysanthemum 115,200 23,040 12,096.00 6,624.00 2,400.00
Prepaid Interment Service
Delux 23,000 4,600.00 2,415.00 1,332.50 460.00
Lux 25,000 5,000.00 2,625.00 ,1,437.50 500.00
All we need to do is to sell to our existing customers
Every Juan must have a prepaid memorial service
This morning, I was discussing with the former President of PNB, a commercial bank, and BCDA who was in discussion with President of a Preneed Plan company. They tied up with Heritage Memorial Park. They sold pre paid plans to the buyers of Heritage Memorial Park.
Helping countrymen PLAN for their DESTINY
How they are doing it? We can learn more from them
Rizal Philippines
January 13, 2017
Remember the earlier post we made, the history by Chairman Arsenio Bartolome III how Philplans has money literally flowing out of its ears by doing business together with Heritage. Philplans did a wonderful job of defining the need of the memorial services: funeral and cremation and the benefits that they can get from Heritage
Philplans from Slideshare
1. use of the chapel
2. karuwahe
3. special hearse
4, flower car
The items like flower we mention are not there. But the high price oozed of class and exclusivity.. Nothing is mentioned about plots of Heritage
The benefits
MEMORIAL BENEFITS Guaranteed Memorial Service Benefit The guaranteed lump sum fund that will be used in rendering the memorial service in Heritage Park Guaranteed annual increase of 5% of the Contract Price, one plan anniversary after the paying period. Cash Difference Benefit
MEMORIAL BENEFITS Professional Administration of Memorial Services Family Assistance Dept. (FAD) provides assistance in arranging and administering the details of the PhilPlans - Family Assistance Department 24/7 (including Heritage memorial service through holidays) Park. For Metro Manila: 403-5859, 8027344 Toll Free: 1-800-10-800-8888 the planholder’s family from the Spares the planholder’s family from the harrowing ordeals of attending to funeral arrangements.
HERITAGE MORTUARY SERVICES CREMATION SERVICES MEMORIAL SERVICES Pick-up of the deceased from the place of Pick-up of the deceased from the place of death death Mortuary Services (preparation Mortuary Services (preparation & embalming) & embalming) Casket Casket Urn Floral Package Cremation Floral Package Chapel Rental (3) Day Viewing Food Package Chapel Rental (3) Day Viewing Food Package Transporation: Hearse and Flower Car Obituary Publications Transporation: Hearse and Flower Car Obituary Publications Permits/Death Certificates Thank You Cards, Registry Book, Event Management/Venue set-up, etc. Permits/Death Certificates Thank You Cards, Registry Book, Event Management/Venue set-up, etc
Cremation:
PREFERENTIAL RATE CUSTOMER Package Price Price w/ Senior Citizen Discount w/ Pamana Heritage P 240,000 P 192,000 package same as 340 of the Walk-in Walk In P 340,000 P 272,000 Regular rate Walk In P 550,000 P 440,000 Regular rate Walk In P 850,000 P 680,000 Regular rate Walk In P 1,300,000 P 1,040,000 Regular rate Walk In P 1,500,000 P 1,200,000 Regular rate Walk In P 1,800,000 P 1,440,000 Regular rate Walk In P60,000 P 45,000 Cremation only Walk In P 150,000 P 120,000 Direct Cremation w/ wake: Description Cremation, Urn, 3-day Viewing, No Casket
Preferential treatment and SC discount:
At the same time they mentioned the Philplans features (we are not defining that very well but their ppt accentuate that:
1. The savings part (the guaranteed 5% growth)
2. No return of payments but new plan if the owner survives 40 years after purchase
3. The CGLI:
amortization deemed paid
ADD benefits two x ang benefits)
4 Pamana (Heritage benefits) (like return)of payment except that there is no return of payment, merely new plan. Wow
We can improve our product more the more and beat the competition to the ground
Now they are cash rich and do not know what to do with their cash holdings. I wish we had the same problem.
And all that they did is to have a joint business with a single memorial park. How about us.?
All we have to do is to sell to our existing customers and experience the same kind of growth and prosperity just like the company mentioned here.
Our CRM, our Sales Admin can do a lot to sell to many of our existing customers. We have to improve though our customer service delivery and delight the customers always.
WHAT IS THE BUSINESS OPPORTUNITY? Can we do the same?
What to do next?
Jorge U. Saguinsin
The Holy Gardens Group - "THE MEMORIAL EXPERTS"
How Philplans did it? Growing business from Heritage Customers through their Pamana positioning:
How Philplans did it? Growing business from Heritage Customers through their Pamana positioning:
Helping countrymen PLAN for their DESTINY
How they are doing it? We can learn more from them
Rizal Philippines
January 13, 2017
Remember the earlier post we made, the history by Chairman Arsenio Bartolome III how Philplans has money literally flowing out of its ears by doing business together with Heritage. Philplans did a wonderful job of defining the need of the memorial services: funeral and cremation and the benefits that they can get from Heritage
Philplans from Slideshare
1. use of the chapel
2. karuwahe
3. special hearse
4, flower car
The items like flower we mention are not there. But the high price oozed of class and exclusivity.. Nothing is mentioned about plots of Heritage
The benefits
MEMORIAL BENEFITS Guaranteed Memorial Service Benefit The guaranteed lump sum fund that will be used in rendering the memorial service in Heritage Park Guaranteed annual increase of 5% of the Contract Price, one plan anniversary after the paying period. Cash Difference Benefit
MEMORIAL BENEFITS Professional Administration of Memorial Services Family Assistance Dept. (FAD) provides assistance in arranging and administering the details of the PhilPlans - Family Assistance Department 24/7 (including Heritage memorial service through holidays) Park. For Metro Manila: 403-5859, 8027344 Toll Free: 1-800-10-800-8888 the planholder’s family from the Spares the planholder’s family from the harrowing ordeals of attending to funeral arrangements.
HERITAGE MORTUARY SERVICES CREMATION SERVICES MEMORIAL SERVICES Pick-up of the deceased from the place of Pick-up of the deceased from the place of death death Mortuary Services (preparation Mortuary Services (preparation & embalming) & embalming) Casket Casket Urn Floral Package Cremation Floral Package Chapel Rental (3) Day Viewing Food Package Chapel Rental (3) Day Viewing Food Package Transporation: Hearse and Flower Car Obituary Publications Transporation: Hearse and Flower Car Obituary Publications Permits/Death Certificates Thank You Cards, Registry Book, Event Management/Venue set-up, etc. Permits/Death Certificates Thank You Cards, Registry Book, Event Management/Venue set-up, etc
Cremation:
PREFERENTIAL RATE CUSTOMER Package Price Price w/ Senior Citizen Discount w/ Pamana Heritage P 240,000 P 192,000 package same as 340 of the Walk-in Walk In P 340,000 P 272,000 Regular rate Walk In P 550,000 P 440,000 Regular rate Walk In P 850,000 P 680,000 Regular rate Walk In P 1,300,000 P 1,040,000 Regular rate Walk In P 1,500,000 P 1,200,000 Regular rate Walk In P 1,800,000 P 1,440,000 Regular rate Walk In P60,000 P 45,000 Cremation only Walk In P 150,000 P 120,000 Direct Cremation w/ wake: Description Cremation, Urn, 3-day Viewing, No Casket
Preferential treatment and SC discount:
- PREFERENTIAL TREATMENT Wake/Viewing: Chapels Free extension of the Viewing days and upgrade* from Regular Chapel (40 – 50 guests) to Premiere Chapel which can accommodate up to 150 guests. (*subject to the availability of the Chapel; reservation on a first come- first served basis)
- 45. PREFERENTIAL TREATMENT Ceremonial Departure: Hearse Use of exclusive Hearse to transport remains within 20 Kilometer radius from Heritage Park Mortuary and Crematory to its final resting place anywhere in Metro Manila.
- 46. PREFERENTIAL TREATMENT Ceremonial Departure: Flower Car Free usage of a single truck type vehicle for carrying the dearly departed's portrait and floral ornaments to lead the funeral / burial march (reservation on a first come-first served basis)
- 47. PREFERENTIAL TREATMENT Ceremonial Departure: Family Car Free usage of a single chauffer-driven limousine type vehicle for the immediate family's use during the funeral / burial march (reservation on a first come- first served b
At the same time they mentioned the Philplans features (we are not defining that very well but their ppt accentuate that:
1. The savings part (the guaranteed 5% growth)
2. No return of payments but new plan if the owner survives 40 years after purchase
3. The CGLI:
amortization deemed paid
ADD benefits two x ang benefits)
4 Pamana (Heritage benefits) (like return)of payment except that there is no return of payment, merely new plan. Wow
- PAMANA ADVANTAGE Fully Paid New Life Plan The chosen beneficiary of the planholder will be entitled to a fully paid new life plan Planholder may assign this new plan to one beneficiary only using an Endorsement Letter
- 37. PAMANA ADVANTAGE Fully Paid New Life Plan Condition 1: If Planholder dies before age 65 and chosen beneficiary is within the acceptance age and is in good health Beneficiary will avail of the additional Life Plan* *May be a Life plan or any existing Pre-Need product at the time of availment.
- 38. PAMANA ADVANTAGE Fully Paid New Life Plan Condition 2: If Planholder dies before age 65 and chosen beneficiary is no longer within the acceptance age and/or is not in good health Beneficiary will be enrolled in a Pre-Need Plan* without insurance benefits *May be a Life plan or any existing Pre-Need product at the time of availment.
We can improve our product more the more and beat the competition to the ground
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