1. PaySavers
Product Launching

2. Consumer Insights
AXA Retirement Scope 2010 根据2010年AXA退休调查
indicates that Malaysian 显示大马人通常
start savings for
在46岁时才开始
retirement at the
为退休打算
age of 46
The same survey
discovers that the 同样的调查也发现
planning is triggered 储蓄规划一般是
by major events such 由一些重大事件，
as childbirth and marriage 如生子或婚姻所触发的
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3. Consumer Insights
This should not come as a
这是理所当然的
surprise as these are the
因为这些阶段正是我们
times when we take on
承担更大责任的时候！
added responsibilities
For parents, they will
对父母来说，
be able to understand
他们能完全了解
perfectly as they strive
想给孩子最好一切的
for the best for their
想法
child.
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4. Building a Savings Fund
Major events will trigger a strong need to create a savings fund
重大事件会让我们兴起储蓄的念头
Education Contingency Retirement
fund fund fund
教育基金 紧急基金 退休基金
Different Purposes of Savings
储蓄的不同目的
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5. Building a Savings Fund
The priority will change with changing circumstances & life stages
储蓄的目的会随着不同的情况和人生阶段而有所改变
Education Contingency Retirement
fund fund fund
教育基金 紧急基金 退休基金
By the time your child is ready to go to college,
your retirement will take over as the 1st priority
当孩子上大学之后，退休便将使你储蓄的最重要目的
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6. Introducing PaySavers
A financial program
that is designed to reward you
while you build your savings
fund
一项让你
在建立储蓄基金的同时
也能奖励自己的财务计划
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7. Introducing PaySavers
 Option of saving period as short as 15 and 20 years. This saving
period is guaranteed with no further contribution required
regardless of the investment environment
储蓄期限可选择15或20年。这项储蓄的期限是无论在何种的投资环
境下都受到保证的
 While you accumulate your savings fund, it will start rewarding you
with biannual payouts starting from the 2nd policy year. These
payouts can be accumulated as supplementary fund for your child’s
education or to treat yourself to a well deserved holiday
在累积储蓄基金的同时，您可以自第2个保单年度开始每2年领取现
金储蓄。您可以将这笔钱当成子女教育的储备基金，也可以用来奖励
自己，享受一个美好的假期
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8. Introducing PaySavers
 Once you have completed your saving period, it will generate
guaranteed income annually until maturity
一旦完成您的储蓄期限，PaySavers 将会每年提供您保证周
年收入直到满期为止
 At maturity, an additional lump sum guaranteed benefit will
become payable to enhance your retirement fund
满期时,您也可以领取一笔额外的保证基金充作您的退休基金
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9. Introducing PaySavers
 The income is further enhanced by non-
guaranteed annual cash dividends to be
declared annually
每年还有无保证的周年现金红利以增加您的储蓄
 Both cash endowment and cash dividends
have the option to be invested in 4
professionally managed investment-linked
funds to enhance your retirement fund
您也能选择将现金储蓄和现金红利投资在专人管理
的4种投资连结型基金内以增强您的退休基金
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10. Introducing PaySavers
 The program comes with optional
supplementary plans that will create access to
contingency funds
您也可以选择增加其他保单让您能在需要时拥有一
笔紧急基金
 The combination of income generation,
investment-linked funds and contingency
funds enable PaySavers to be structured to
meet customers’ changing needs and risk profile
结合储蓄收入、投资连结型基金以及紧急基金的
PaySavers 能迎合您不断更改的财务需求与风
险状况
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11. PaySavers - Product Design
Dimension PaySavers 15 PaySavers 20
Limited pay whole life
Limited pay endowment Limited pay endowment
Plan Type plan with paid up option
plan plan
保单类型 有限缴付终生保单
有限缴付储蓄保单 有限缴付储蓄保单
具全缴清选项
Premium
Paying Term 20 years with Fully Paid
15 years 20 years
Up option at 10th year
保费缴付期限
Policy Term
Up to age 100 30 years 30 years
保单期限
100% of SA or total basic 100% of SA or total basic
annual premium paid, annual premium paid,
Death Benefit
100% of SA whichever is higher whichever is higher
死亡赔偿
投保额或所缴基本年保费全额 投保额或所缴基本年保费全额
视何者为高 视何者为高
Commission
171% 133.25% 171%
佣金
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12. PaySavers 15 in one glance
Maturity Benefit
满期利益
Guaranteed Income of 5% of Guaranteed Income of 8% of
BSA bi-annually BSA Annually
100%
每2年一次的 5%保证收入 每年一次的 8%保证收入
BSA +
Save annually for 15 years TD +
IL
每年储蓄为期 15 年 Fund
Beginning
of year 12 3 15 16 30
年初
Rider Attachable 附加保单: Fund Available 投资基金:
 Waiver of Premium on CI  Active Bond Fund
保费豁免（严重疾病）  Active Balance Fund
 Payor Benefit (Death, TPD & CI)  Dana Imbang
付款人利益（死亡、完全永久残废、严重疾病）  Asia Pacific Growth Fund
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13. PaySavers 20 in one glance
Maturity Benefit
满期利益
Guaranteed Income of 5% of BSA bi- Guaranteed Income of
annually 8% of BSA Annually
100%
每2年一次的 5%保证收入 每年一次的 8%保证收入
BSA +
Save annually for 20 years TD +
IL
每年储蓄为期 20 年 Fund
Beginning
of year 12 3 20 21 30
年初
Rider Attachable 附加保单: Fund Available 投资基金:
 Waiver of Premium on CI  Active Bond Fund
保费豁免（严重疾病）  Active Balance Fund
 Payor Benefit (Death, TPD & CI)  Dana Imbang
付款人利益（死亡、完全永久残废、严重疾病）  Asia Pacific Growth Fund
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14. Underwriting Guidelines
Min Max
Entry Age
(Insured) 15 days 60 years old
投保年龄（受保人）
Sum Insured Subject to
RM 10,000
投保额 Underwriting
Death: 30 years
Coverage Term
受保年限 TPD: 30 years / age 60 of the Insured
(Whichever is earlier)
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15. 3 Reasons why you sell PaySavers!!!
Hybrid Endowment Plan – Pioneer in the Market!
混合型储蓄保单 – 市场先驱！
1
High & Higher Cash Endowment – 5% & 8%
更具吸引力的保证现金储蓄 – 5% & 8%
2
Full Commission Payment – 26.25% & 35%
完整的佣金给付 – 26.25% & 35%
3
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16. 3 in 1 – why you buy PaySavers!!!
PaySavers –
3 Financial Needs in 1 Solution!!!
3 项财务需求 1 个解决方案
For Parents in age 35 ~ 45
年龄介于 35 至 45 岁的父母
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17. 3 in 1 – why you buy PaySavers!!!
35% of BSA + Cash Dividends + 100% of BSA + Terminal Div. + ILP balance
(if any) (if any)
Investment Return as
Education Fund as Golden Age Fund
教育基金： 黄金岁月基金：
35% 的现金储蓄+现金红利+回酬 100% BSA + 期终红利 + 投资户口余额
8% of BSA + Cash Dividends every
year as Retirement Income
退休收入：每年8%现金储蓄 + 现金红利
Saving for 15 years
储蓄 15年
Payor: Parent (age 70)
Payor: Parent (age 40) Payor: Parent (age 55)
Life Insured: Child (age 5) Life Insured: Child (age 20)
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18. 3 in 1 – why you buy PaySavers!!!
5% of BSA (biannual)
100% of BSA + Terminal Div. (if any)
+ Cash Dividends (annual) as
as Golden Age Fund
Life Style Fund
黄金岁月基金：
优质生活基金：
100% BSA + 期终红利
5% 现金储蓄(每2年)+现金红利(每年)
8% of BSA + Cash Dividends every
year as Retirement Income
退休收入：每年8%现金储蓄 + 现金红利
Saving for 20 years
储蓄 20年
Payor (age 65)
Payor (age 35) Payor (age 55)
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19. Why PaySavers!!!
One more reason for you to ACT NOW!!!!
另 1 个你要马上行动的理由
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20. PaySavers Campaign
Be the first 100 to get this exclusive gift for your customer
成为首100位购买PaySavers 的客户以赢取
GPS – WayWay Q3033
•Pre-loaded with
M3GPS PAPAGO! ONE
•3.5”screen
•Multi-Media Player
•Multi-Language Support
•Photo Viewer
•Games
•Touch Screen
•3D Navigation
•3.5mm Mini Jack
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21. PaySavers Campaign
How to get this exclusive gift
GPS – WayWay Q3033
Qualification Criteria
• For the first 100 customers who purchased Paysavers, on first come first serve basis /
成为首百名购买的客户，先到先得
• Each life assured is only entitled to one gift / 每位受保人只限1台
• Minimum annual premium of RM5,000 and applicable to annual and semi-annual
premium payment mode only / 最低保费为5,000令吉，只限年缴与半年缴保费
• Eligibility is based on date of receipt of complete proposal with payment. Medical case
must be accepted and issued within 1 month to remain eligible for the gift /
赢取资格是根据完整的要保书及保费。如需医药报告的保单，须在1个月内批准
• If any policy is returned during the free look period, the price of the gift will be clawed
back from the agent’s account /
若保客于冷静期内退保，公司将从业务员户口内扣除相等的数额
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22. Version 1. August 2011. For Internal Circulation only