Corporate(Presentation

the$Largest$Life$Insurance$Company$in$Canada,
3rd$Largest$in$North$America,$and
among$the$Top$10$Largest$in$the$World.

1st
3 rd Top 10

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MANULIFE)FINANCIAL)CORPORATION 1,932,290,326,200.00)

SM)INVESTMENTS)CORPORATION 1,259,993,678,882.00,

SUN)LIFE)FINANCIAL,)INC. 1,175,171,412,800.00,

SM)PRIME)HOLDINGS,)INC. 1,139,285,690,328.30,

BDO)UNIBANK,)INC. 701,229,259,467.00,

AYALA)CORPORATION 662,188,842,744.00

AYALA)LAND,)INC.) 661,150,145,354.20

JG)SUMMIT)HOLDINGS,)INC. 551,180,665,506.15

BANK)OF)THE)PHILIPPINE)ISLANDS 454,202,849,430.80

ABOITIZ)EQUITY)VENTURES,)INC. 429,294,992,843.40

Note:,Market,capitalization,values,are,as,of,17,January,2018,,11:35AM
 PhP 1.7 billion

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Our$Solutions

Employee( Group(MRI Business(

Benefits Insurance
Loan&Secure
Group&Protect
Group&Credit& Retirement
Employee& Student( Worksite(
Life Protect Marketing
Security& Keyman
Program&
(ESP) Cash&
Overflow
Employee(Security(Program((ESP)
Employee(Benefit(for(Big(Groups
Life%is%full%of%uncertainties…

ILLNESS

ACCIDENT
DEATH

Unforeseen(events(may(happen(to(your(employees.
Why$do$you$need$to$prepare$against…$

ILLNESSES
! As#of#July#2010,#the#death#rate#in#the#country#was#estimated#at#5.06#
deaths#per#1,000#population#due#to#illness.

! Heart#disease#was#cited#as#the#cause#of#100,908#deaths#in#the#
Philippines#from#January#2009#to#March#2010.

! Cerebrovascular#disease,#which#claimed#56,670#lives#in#the#same#year.

*wikipilipinas *absHcbnnews.com#*philstar.com
Why$do$you$need$to$prepare$against…$

ACCIDENT/UNTIMELY-DEATH
! Approximately-more-than-15,200-
road-accidents-were-recorded.

! 1,399-individuals-were-killed-and-
5,700-were-injured.

! 39-cases-of-accidents-were-reported-
per-day.-

*- http://securitymatters.com.ph
The$cost$of$no$preparation

WHAT%ARE%THE%%OPTIONS%OF%YOUR%EMPLOYEES?
! Be$a$charity$case.
! Deplete$their$savings.
! Sell$their$possessions.
! Wallow$in$sorrow.
! Increase$family’s$debt.
! Lower$the$family’s$standard$of$living
OR%YOU%CAN%CHOOSE%TO%PROVIDE%YOUR%EMPLOYEES%WITH%A%
COMPREHENSIVE%LIFE%AND%HEALTH%INSURANCE%COVERAGE.
What%is%Manulife%Employee%Security%Program%(ESP)?

Group&Yearly&Renewable&Term&(GYRT)
! a&comprehensive&and&affordable&employee&benefit&package&that&will&answer&all&
your&financial&security&needs.

Eligibility
! 18B65&years&old
! Regular&and&full&time&employees
! Actively&at&work
Benefits

*Suicide(is(covered(on(the(second(year(of(the(member’s(coverage
Employee(Security(Program(Benefits
ADDITIONAL(
BASIC(LIFE OPTIONAL(RIDERS BENEFIT
• Accidental-Death,- • Conversion-Privilege
Disablement-and- • Experience-Refund
Dismemberment- • No-Evidence-Limit-
(ADD&D) (NEL)
• Total-and-Permanent-
Disability-(TPD)
• Accidental-Medical-
Reimbursement-(AMR)
• Critical-Illness-(CI)
• Burial-Benefit-/-
Financial-Assistance
• Terminal-Illness-(TI)
• Daily-Hospital-Income

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Basic&Life&Coverage&

Your%employee’s%family%will%receive%an%amount%that%will%protect%
them%from%financial%burden%arising%from%the%sudden%death%of%
their%family%member.
Optional Rider – Accidental Death & Dismemberment

In#case#of#accidental#dismemberment#and#disablement,#your#
employee#will#receive#cash#assistance#equal#to#the#insurance#
coverage#or#the#equal#to#the#schedule#of#benefits.
Schedule(of(Benefits
Accidental*Loss*of Indemnity

Both%hands 100%
Both%feet 100%
Sight%of%both%eyes 100%
One%hand%and%one%foot 100%
Either%hand%or%foot%and%sight%of%one%eye 100%
Hearing%of%both%ears 100%
Speech 100%
Sight%of%one%eye 50%
Either%hand%or%foot 50%
All%four%fingers%and%thumb%of%either%hand 40%
Thumb 20%
Finger%of%one%hand
= Index%finger 10%
= Middle%finger 5%
= Ring%finger 3%
= Little%finger 2%
Toes%of%one%foot
= All 10%
= Big%toe 5%
= Any%toe%other%than%big%(each) 1%
Optional)Rider)– Accidental)Death)&)Dismemberment)

In#case#of#accidental#death,#your#employee’s#death#benefit#
payable#to#the#family#members#will#be#doubled.#
Optional)Rider)– Total)&)Permanent)Disability)

Should'an'insured'employee'becomes'totally'and'permanently'
disabled'for'a'period'of'six'(6)'consecutive'months,'cash'
benefit'will'be'given'to'the'employees.'
Optional)Rider)– Daily)Hospital)Income)Benefit)

If#an#employee#is#confined#in#a#hospital#due#to#injury#or#illness,#
he/she#will#receive#an#amount#for#each#day#of#confinement,#up#to#
a#maximum#of#31#days#per#illness,#to#help#defray#the#cost#of#
hospitalization.
Optional)Rider)– Accidental)Medical)Reimbursement)

In#case#of#accident,#your#employee#can#reimburse#expenses#that#
are#directly#related#to#the#accident.#
Other&Benefits

If#an#insured#employee#separates#from#the#company:

An#employee#has#the#option#of#converting#his#group#coverage#
into#a#permanent#plan#within#31#days#from#the##date#his#
employment#ceases.
Manulife)Group)Protect)Rates
Basic&Plan
Life,&ADD,&TPD& 100,000& 200,000& 300,000& 400,000& 500,000&
Age&Bracket& Annual&Premium&
18<30 256& 497& 737& 978& 1,219&
31<40 256& 497& 737& 978& 1,219&
41<50 504& 993& 1,481& 1,970& 2,459&
51<59 1,179& 2,343& 3,506& 4,670& 5,834&
60<64* 1,852& 3,690& 5,527& 7,364& 9,202&
Optional&Benefits
Daily&HIB 500& 600& 700& 900& 1,000&
18<30 431& 518& 604& 777& 863&
31<40 783& 940& 1,097& 1,410& 1,566&
41<50 1,204& 1,445& 1,686& 2,168& 2,409&
51<59 1,658& 1,989& 2,321& 2,984& 3,315&
AMR&
18&< 64& 110& 215& 320& 425& 530&
Accidental&Medical&
Reimbursement Benefit 10,000 20,000 30,000 40,000 50,000
18<64 110 215 320 425 530
Cancer&Benefit& 100,000 200,000 300,000 400,000 500,000
18<30 84 168 252 336 420
31<40 298 596 894 1192 1490
41<50 812 1624 2436 3248 4060
51< 55 1606 3212 4818 6424 8030
*exclusive&of&TPD
 Factors(Affecting(Rate(

• Claims*experience*
• Gender*
• Average*age*of*the*group*
• Occupational*risk*
• Geographic*risk*
• Face*Amount*
• Headcount*
• Nature*of*Business
• Experience*Refund
• Amount*of*NEL*requested
• LockEin*Period

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Illustration+of+benefits
Life%Insurance P 500,000
Accidental%Death%&%Dismemberment
Rider Total%&%Permanent%Disability%
Hospital%Income%Benefit%

Scenario%1:%
Cause%of%Death Illness
Benefit%amount% P%500,000

Scenario%2:
Cause%of%Death Accident
Benefit%amount% Life P%500,000
ADD P%500,000
Total P%1,000,000
Illustration+of+benefits

Scenario)3:
Hospital)Income Benefit
Daily)Allowance P)1,000

Total P)1,000
3)(days)of)confinement)
P)3,000
Why$Manulife?
! Stability(&(Credibility

! 131(years(of(experience((Global)

! 111(years(in(the(Philippine(Market

! No.(1(in(terms(of(market(capitalization(among(all(companies(listed(in(the(
PSE.(

! Reliable(&(Trustworthy

! Professional(Management(Team(

Together(let’s(help(secure(the(welfare(of(your(
employees.
Next%Steps

! Signed'Franchise'Form'

! Employee'Census
! Name'of'employee

! Birthdate
! Gender

! Occupation'

! Coverage'/'Schedule'of'Benefit
Contact

ROMMEL&A.&ORPIADA
Mobile:&09166557477

E9mail:&mel_orpiada@manulife.cpm.ph
Thank&you