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Geraldine Desiderio-GarciaSVP & General Manager
Bakit
COUNTRY BANKERS?
47 years in servicing the countrysideestablished by rural bankers, JOSE E. DESIDERIO, SR and ALFREDO MONTELIBANO
Niche market: farmers, market vendors, teachers, small & medium entrepreneurs, MFIs Pioneered in Creditor’s Group Life, loan-based
insurance and the first to have an approval to sell microinsurance
Personalized service Best known in fast settlement of claims 100% Filipino
BOARD OF DIRECTORS
MA. VICTORIA G. GUINGONAChairperson
DAVID M. CONSUNJI (DMCI)ALFREDO ALEX S. CRUZ IIIERNESTINE D. VILLAREAL-FERNANDOGERALDINE DESIDERIO-GARCIADENNIS H. LOCSINROBERTO L. MONTELIBANOAGNES S. DESIDERIOANTOLIN T. NAGUIATMANUEL Y. PETINESROMEO G. VELASQUEZERNEST JULIUS D. VILLAREAL
Ai Ai endorses Country BankersC5 Road Pasig
Where we are now(as of JUNE 2012)
RB partners 118Lives protected (principal + dependents) 375,973
MFI partners (non-RB) 134Lives protected (principal + dependents) 902,834
Total Lives Protected 1,278,807 Total Claims paid 64M+
INSTITUTIONAL OPTIONS FOR MICROINSURANCEmain providerreinsurer
PARTNER-AGENTMODEL
Why it works for MFIs
Trim down their level of risk (insurance is not their core competence)
Give better service to their members without additional admin costs
Devote more on their main facility: credit & savings
Enjoy lower premium rate because of economies of scale by the insurance partner
Share in the growth (incentives for the MFI)
We do not want MI members to fall back into poverty because of
unwanted events or hardships nor do we want MFIs to empty out
CB KALINGAthe microinsurance product for
everyJuan dela Cruz and his family
BENEFITS
①Natural Death Benefit②Accidental Death ③Permanent Disability Benefit④Accidental Medical Reimbursement⑤Daily (Hospital) Confinement Benefit⑥Instant “Abuloy” (in addition to benefits)⑦Financial Assistance due to Fire or Natural Calamity seven (7) BENEFITS in 1 family package/unit
COVERAGE
Principal memberParent/s2 Siblings or Children
MARRIEDPrincipal memberSpouse3 Children
SINGLE
BENEFITS PRINCIPAL SPOUSE CHILD 1 CHILD 2 CHILD 3
Natural Death 25,000 25,000 5,000 5,000 5,000
AccidentalDeath + 25,000 + 25,000 + 5,000 + 5,000 + 5,000
Permanent Disability 25,000 25,000 5,000 5,000 5,000
Accidental Medical
Reimbursement
2,500(max)
2,500(max)
500(max)
500(max)
500(max)
DailyConfinement
Benefit
200/day(max 30 days)
100/day(max 30 days)
___ ___ ___
MARRIED member
BENEFITS PRINCIPAL PARENT 1 PARENT 2 CHILD 1 /SIBLING 1
CHILD 2 /SIBLING 2
Natural Death 25,000 25,000 25,000 5,000 5,000
AccidentalDeath + 25,000 + 25,000 + 25,000 + 5,000 + 5,000
Permanent Disability 25,000 25,000 25,000 5,000 5,000
Accidental Medical
Reimbursement
2,500(max)
2,500(max)
2,500(max)
500(max)
500(max)
DailyConfinement
Benefit
200/day(max 30 days)
100/day(max 30 days)
100/day(max 30 days)
___ ___
SINGLE member
10,000 - Principal
2,500 - Spouse/Parent 5,000
1,250 - Child/Sibling
INSTANT ABULOYFINANCIAL ASSISTANCE
due to FIRE or NATURAL CALAMITIES
plus
ANNUAL PREMIUM
Php 280.00 per package
(only .77 centavos per day)
• 1 FAMILY PACKAGE = 1 UNIT of CB KALINGA• Maximum of 8 UNITS may be availed per member
FEATURES & CONSIDERATIONS Age at enrollment: 18-70 (principal, spouse, parent)
1 day old - 21 (child, sibling)
Common law spouse is accepted Suicide is compensable Each principal member gets a Confirmation of
Coverage (CoC) Dependents’ coverage will not stop in case of
principal’s demise Package/coverage is adaptable to your needs
OUR COMMITMENT
CLAIMS paid in 5 days INSTANT ABULOY given
within 24 hours, without documents
CLAIMS experience
375 families lost their homes to SENDONG…
All were insured under CB Kalinga.
All got their financial assistance benefit without any documents submitted
two days after the tragedy.
Our PARTNERS … just to name a few
ARDCI (Catanduanes) CARE FOUNDATION (General Santos) FIRST ISLAND MULTI-PURPOSE COOPERATIVE (Marinduque) KCDI (Manila) KMBI (Manila) LIFEBANK FOUNDATION (Iloilo) MEMPCO (Zamboanga) MILAMDEC (Cagayan de Oro) SHED (Manila) Rural Banks and Coop Banks, Cooperatives (nationwide)
MICRO CGLloan-based insurance
that protects the MFI
In the event of the member/borrower’s untimely death during the term of her/his loan
it will become the obligation of COUNTRY BANKERS LIFECOUNTRY BANKERS LIFEto pay his/her principal loan
to your Institution
““insurance as a collateral”insurance as a collateral”
Non-Medical Coverage Limit for the loans up to Php 200,000.00
for each borrower, 18 - 70 years old
““wala ng medicalwala ng medical””
Premium rate is lower than regular CGL rate
NUMBER OF MONTHS PREMIUM RATE PER 1,000
1 MONTH 1.15
2 MONTHS 1.15
3 MONTHS 1.65
4 MONTHS 2.00
5 MONTHS 2.75
6 MONTHS 3.15
12 MONTHS 6.00
For all other RISKS:
Money, Securities & Payroll (MSP) Fidelity Bonds Electronic Equipments Insurance (EEI) Fire Insurance Motor Vehicle
NONLIFE, since 1960
We are not in the business of marketing insurance,
what we really sell is peace of mind
Bakit COUNTRY BANKERS?
Bakit hindi?
Maraming salamat po!Thank you!