ADVANCE PREMIUM
(subject to term & conditions)
Interest earn to be nased ontwo methods:
1 dicounted value method (DVM)
2 compounded value method (CVM)
EXAMPLE
Product: Am Lifestyle
Advance Capital $100 000
Life Assured age 25 male
Annual Premium $2000
Term 20 yrs
Benefits:
1 double protection : CI 36 critical illness and death
2 medicare plus (max $1 M w/life )
3 Flexibility and premium holiday too
4 Innovative product: protection, healthcare, child edu, retirement and investment
5 Earn on extra interest on advance premium.
WHAT HAPPEN DOWN THE ROAD IN 20 YRS:
Lets said worst scenario happen in life:
1 when for medical check up, positive with CI
2 oh, hv medical plus, dont worry, stay in one of the best specialist in town ,
total billed $28 000
3 After cubmitting the claim for CI, finally a cheque arrived with $100 000
4 oh yes, Am Life said, i dont need to continue to pay my annual premium of $2000
is GREAT , free for life !
5 BUT, the CI never got me far, after 5 yrs, in and out the hospital, i finaly give up,
Am Life, Never forgot its promise, DOUBLE PROTECTION, my next kin will
received in my death of $100 000
6 I rest in peace with the dream fulfulled, 8 yrs, and LOVE the family.
7 A ;egacu created.
SUMMARY
What is the moral of the story?
A chicken die, in the market you paid for $7 per kilo, what about human being !!!
ANY VALUE!
IF ONLY IF THIS PLANNING TAKEN UP:
You will be paid/earn in:
1 advance premium interest and capital 136 856.91
2 CI benefit 100 000.00
3 medical care exp ( 28000 x 5 yrs ) 140 000.00
4 life death 100 000.00
5 funeral ( pek kim ! ) 10 000.00
TOTAL 476 856.91
NOTE: FINALLY ME WILL BE WORTH MORE THAN $7 !
interested sent me your email at danieltkb@gmail.com
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