Product Training - Pamana Heritage

PRODUCT TRAINING

THINKTHINKABOUT THIS…ABOUT THIS…

The passing of a loved oneThe passing of a loved oneis tough, not only emotionally but is tough, not only emotionally but

also financially.also financially.

Emotionally…Emotionally…

……because you will be loosing someone dearly loved.because you will be loosing someone dearly loved.

Financially…Financially…

……because all these will need money to be done.because all these will need money to be done.

securing death certificate choosing the servicing mortuary transporting the body from the

place of death to the mortuary preservation of the body application of cosmetics Choosing/buying the burial outfit informing relatives, friends and

colleagues Choosing/buying the casket/urn transfer permit (if transporting to a

different municipality)

transporting the body from the mortuary to the venue of the wake

flowers & mass cards refreshments date of interment place of interment time of interment priest (funeral mass) burial permit hearse/vehicle for the flowers memorial lot/urn interment/cremation fee thank you/sympathy cards

Memorial services nowadaysMemorial services nowadayshave become a social gatheringhave become a social gathering

for family, friends,for family, friends,and close relationships.and close relationships.

You can do all these and more at…You can do all these and more at…

HERITAGE PARK

The country’s premier memorial service The country’s premier memorial service providerprovider

Provides an array of the finest imported Provides an array of the finest imported caskets made by renowned manufacturer caskets made by renowned manufacturer York, USA. York, USA.

Houses state of the art chapels designed Houses state of the art chapels designed to guarantee the solemnity and serenity to guarantee the solemnity and serenity of the memorial service.of the memorial service.

HERITAGE PARK

HERITAGE PARK

HERITAGE PARK

HERITAGE PARK

HERITAGE PARK

HERITAGE PARK

HERITAGE PARK

How much will aHow much will amemorial service atmemorial service atHeritage Park cost?Heritage Park cost?

HERITAGE PARK

Pick-up of the deceased from the place of deathMortuary Services (preparation & embalming)

CasketChapel Rental (3) Days Viewing

Transporation: Hearse and Flower CarPermits/Death Certificates

Registry Book

PACKAGE 340 (P 340,000.00)PACKAGE 340 (P 340,000.00)

HERITAGE PARK


Casket / Floral PackageChapel Rental (3) Day Viewing / Food Package

Transporation: Hearse and Flower CarObituary Publications/Permits/Death Certificates

Thank You Cards, Registry Book, Event Management Venue set-up, etc

PACKAGE 550 (P 550,000.00)PACKAGE 550 (P 550,000.00)PACKAGE 850 (P 850,000.00)PACKAGE 850 (P 850,000.00)

HERITAGE PARK


Casket / Urn / Cremation / Floral PackageChapel Rental (3) Day Viewing / Food Package

Transporation: Hearse and Flower CarObituary Publications/Permits/Death Certificates

Thank You Cards, Registry Book, Event Management Venue set-up, etc

PACKAGE 1.3 (P 1,300,000.00)PACKAGE 1.3 (P 1,300,000.00)PACKAGE 1.5 (P 1,500,000.00)PACKAGE 1.5 (P 1,500,000.00)PACKAGE 1.8 (P 1,800,000.00)PACKAGE 1.8 (P 1,800,000.00)

MEMORIAL PACKAGE RATESMEMORIAL PACKAGE RATES 340,000340,000 550,000550,000 850,000850,000 1,300,0001,300,000 1,500,0001,500,000 1,800,0001,800,000

Pick-up of the deceasedfrom the place of death

Mortuary Services (preparation & embalming)

Casket

Chapel Rental (3) Day Viewing

Transportation:Hearse and Flower Car

Permits/Death Certificates

Thank You Cards, Registry Book, Event Management/Venue set-up, etc

(Registry Book

only)

Obituary Publications X

Floral Package X

Food Package X

Urn X X X

Cremation X X X

HERITAGE PARK

HERITAGE PARKPACKAGEPACKAGE CASKET TYPECASKET TYPE

Package 340 Imported 20-Gauge Non-Gasketed Metal Casket Type

Package 550 Imported 20 - Gauge Non-gasketed Metal Casket Type

Package 850 Imported 18 - Gauge Gasketed Metal Casket or Imported Wood Veneer Casket

Package 1.3 Imported 18 - Gauge gasketed Metal Casket or Solid Wood Casket

Package 1.5 Imported 32 oz. Copper Metal Casket or Imported Premier Solid Wood Casket

Package 1.8 Imported 48 oz. Bronze Metal Casket

Are you readyAre you readywith P 340,000? with P 340,000?

Are you readyAre you readywith P 850,000? with P 850,000?

Are you readyAre you readywith P1.8 Million? with P1.8 Million?

Having the peace of mindHaving the peace of mindof knowing that the monetary aspect of knowing that the monetary aspect

of the memorialization, if solved,of the memorialization, if solved,can somehow ease the pain…can somehow ease the pain…

This is a life plan exclusively designed for This is a life plan exclusively designed for use at the prestigious Heritage Park in Fort use at the prestigious Heritage Park in Fort Bonifacio, Taguig City.Bonifacio, Taguig City.

Major Benefits:Major Benefits: Insurance Benefits!Insurance Benefits! Guaranteed Memorial Benefits!Guaranteed Memorial Benefits! Preferential Treatment and Rates!Preferential Treatment and Rates!

4040 P250,000

5% increment every year!

P12,500

P687,500

P53,300 per year

1 2 3 4 5

DisabilityDisabilityAD&DAD&D

Credit LifeCredit Life Term LifeTerm Life

Contract Price5353

(inclusive of VAT)

LIFE PLAN OVERVIEW

With PAMANA HERITAGE Plan… Insurance Benefits Guaranteed Memorial Service Benefit Professional Administration of Memorial Service Exclusive Heritage Preferential Treatment and Package rates Fully Paid New Life PlanFully Paid New Life Plan (Additional Life Plan Benefit)

6969 8080P350,000 P550,000

GUARANTEEDMemorial Service Benefit

4040 P675,000

5% increment every year!

P33,750

P1,856,250

P143,910per year

1 2 3 4 5

DisabilityDisabilityAD&DAD&D

Credit LifeCredit Life Term LifeTerm Life

Contract Price5151

(inclusive of VAT)

LIFE PLAN OVERVIEW

With PAMANA HERITAGE Plan… Insurance Benefits Guaranteed Memorial Service Benefit Professional Administration of Memorial Service Exclusive Heritage Preferential Treatment and Package rates Fully Paid New Life PlanFully Paid New Life Plan (Additional Life Plan Benefit)

6464 8080P877,500 P1,316,000

GUARANTEEDMemorial Service Benefit

INSURANCEINSURANCEBENEFITSBENEFITS

INSURANCE BENEFITS

Credit LifeCredit Life

Disability BenefitDisability Benefit

Accidental Death and DisabilityAccidental Death and Disability

Term Life InsuranceTerm Life Insurance

INSURANCE BENEFITS

Waiver of InstallmentsWaiver of InstallmentsIf the Planholder dies If the Planholder dies during the paying periodduring the paying period

and and before the attainment of age 65before the attainment of age 65*,*,100% of the balance is fully paid.100% of the balance is fully paid.

Credit LifeCredit Life

* Actual Age

INSURANCE BENEFITS

Waiver of InstallmentsWaiver of InstallmentsIf the Planholder becomes totally or If the Planholder becomes totally or

permanently disabled** permanently disabled** during the payingduring the paying periodperiod and and before the attainment of age 65before the attainment of age 65*, *,

100% of the balance is fully paid.100% of the balance is fully paid.

DisabilityDisability

* Actual Age**Subject to a 6-month observation period; disability claim must be filed within 180 days.

INSURANCE BENEFITS

In case of death or total and permanent In case of death or total and permanent disability** of the planholder disability** of the planholder due to an due to an

accidentaccident during the paying periodduring the paying period and and before before the attainment of age 65the attainment of age 65*, the Planholder or *, the Planholder or his beneficiary will be entitled to an amount his beneficiary will be entitled to an amount

equal to equal to 200% of the Contract Price200% of the Contract Price. .

Accidental Death and DisabilityAccidental Death and Disability

* Actual Age**Subject to a 6-month observation period; disability claim must be filed within 180 days.

INSURANCE BENEFITS

The insurance benefit shall be The insurance benefit shall be equal to the equal to the Plan ValuePlan Value of the of the Memorial Service BenefitMemorial Service Benefit, ,

given to the Beneficiary upon thegiven to the Beneficiary upon thePlanholder’s demise. Planholder’s demise.

Term Life*Term Life*

*The Term Life Insurance coverage will end: (a) at maturity date;(b) when the Planholder reaches age 65; or (c) upon the Planholder’s demise, whichever comes first.

MEMORIALMEMORIALBENEFITSBENEFITS

MEMORIAL BENEFITS

The guaranteed lump sum fund that will be The guaranteed lump sum fund that will be used in rendering the memorial service in used in rendering the memorial service in Heritage ParkHeritage Park

Guaranteed annual increase of 5% of the Guaranteed annual increase of 5% of the Contract Price, one plan anniversary after Contract Price, one plan anniversary after the paying period.the paying period.

Cash Difference BenefitCash Difference Benefit

Guaranteed Memorial Service BenefitGuaranteed Memorial Service Benefit

MEMORIAL BENEFITS

FFamily amily AAssistance ssistance DDept. (FAD) provides assistance ept. (FAD) provides assistance in arranging and administering the details of the in arranging and administering the details of the memorial service through memorial service through Heritage ParkHeritage Park..

Spares the planholder’s family from the Spares the planholder’s family from the harrowing ordeals of attending to funeral harrowing ordeals of attending to funeral arrangements.arrangements.

Professional AdministrationProfessional Administrationof Memorial Servicesof Memorial Services

PhilPlans - Family Assistance Department24/7 (including holidays)

For Metro Manila: 403-5859, 8027344Toll Free: 1-800-10-800-8888

PAMANA ADVANTAGE

The chosen beneficiary of the planholder will The chosen beneficiary of the planholder will be entitled to a fully paid new life planbe entitled to a fully paid new life plan

Planholder may assign this new plan to one Planholder may assign this new plan to one beneficiary only using an Endorsement Letterbeneficiary only using an Endorsement Letter

Fully Paid New Life PlanFully Paid New Life Plan

PAMANA ADVANTAGE

Condition 1:Condition 1:

If Planholder dies before age 65 and chosen If Planholder dies before age 65 and chosen beneficiary is within the acceptance age and beneficiary is within the acceptance age and is in good healthis in good health Beneficiary will avail of the additional Life Beneficiary will avail of the additional Life

Plan*Plan*


*May be a Life plan or any existing Pre-Need product at the time of availment.

PAMANA ADVANTAGE

Condition 2:Condition 2:

If Planholder dies before age 65 and chosen If Planholder dies before age 65 and chosen beneficiary is no longer within the beneficiary is no longer within the acceptance age and/or is not in good healthacceptance age and/or is not in good health Beneficiary will be enrolled in a Pre-Need Beneficiary will be enrolled in a Pre-Need

Plan* without insurance benefitsPlan* without insurance benefits


*May be a Life plan or any existing Pre-Need product at the time of availment.

HERITAGE PARKHERITAGE PARKSERVICESSERVICES

HERITAGE MORTUARY SERVICESSERVICESCREMATION SERVICESCREMATION SERVICES MEMORIAL SERVICESMEMORIAL SERVICES

Pick-up of the deceased from the place of death


Casket Urn Cremation Floral Package Chapel Rental (3) Day Viewing Food Package Transporation: Hearse and Flower Car Obituary Publications Permits/Death Certificates Thank You Cards, Registry Book, Event

Management/Venue set-up, etc.



Casket Floral Package Chapel Rental (3) Day Viewing Food Package Transporation: Hearse and Flower Car Obituary Publications Permits/Death Certificates Thank You Cards, Registry Book, Event

Management/Venue set-up, etc.

MEMORIAL PACKAGE RATESMEMORIAL PACKAGE RATES 340,000340,000 550,000550,000 850,000850,000 1,300,0001,300,000 1,500,0001,500,000 1,800,0001,800,000

Pick-up of the deceasedfrom the place of death


Casket

Chapel Rental (3) Day Viewing

Transportation:Hearse and Flower Car

Permits/Death Certificates

Thank You Cards, Registry Book, Event Management/Venue set-up, etc

(Registry Book

only)

Obituary Publications X

Floral Package X

Food Package X

Urn X X X

Cremation X X X

HERITAGE PARK

CREMATION PACKAGE RATESCREMATION PACKAGE RATES 265,000265,000 150,000150,000 65,00065,000


Body Preparation (Imported compounds for embalming)

Use of Imported Sheet Metal Urn

Documentation

Use of Regular Chapels 3 days & 3 nights (40-50 persons)

Funeral Items

Cremation Service

Hearse

Flower Car

Viewing Days Extension and Upgrade to Premiere Chapel

HERITAGE MORTUARY SERVICESSERVICES

PREFERENTIAL RATECUSTOMERCUSTOMER Package PricePackage Price

Price w/Price w/Senior Citizen Senior Citizen

DiscountDiscountDescriptionDescription

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 1,300,000 P 1,040,000 Regular rate



Walk In P60,000 P 45,000 Cremation only

Walk In P 150,000 P 120,000 Direct Cremation w/ wake:Cremation, Urn, 3-day Viewing, No Casket

PREFERENTIAL TREATMENT

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)

Wake/Viewing: ChapelsWake/Viewing: Chapels


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.

Ceremonial Departure: HearseCeremonial Departure: Hearse


Free usage of a single truck type vehiclefor carrying the dearly departed's

portrait and floral ornamentsto lead the funeral / burial march

(reservation on a first come-first served basis)

Ceremonial Departure: Flower CarCeremonial Departure: Flower 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 basis)

Ceremonial Departure: Family CarCeremonial Departure: Family Car

MINIMUM CONTRACT PRICE

PAMANA PLANPAMANA PLANPAYING PERIOD AMOUNT*

1- Pay PhP 100,0002- Pay PhP 100,0005- Pay PhP 125,000

The Initial Memorial Service Benefit is Equivalent to the Contract Price.

* Amount may be increased by increments of PhP1,000.

PAMANA-HERITAGEPAMANA-HERITAGEAMOUNT*

PhP 250,000PhP 250,000PhP 250,000

OTHEROTHERFEATURESFEATURES

OTHER FEATURES

*A Planholder with insurance benefits will undergo a 1-Year Contestability

ACCEPTANCE AGEACCEPTANCE AGEWITH INSURANCE BENEFIT* NO INSURANCE BENEFIT

18 – 55 years old 18 – 60 years oldIn good health

OTHER FEATURES

Death due to Health Reasons:Death due to Health Reasons: The Insurer conducts an investigation if death occurs The Insurer conducts an investigation if death occurs

within one (1) year from the plan effective datewithin one (1) year from the plan effective date

Provides the Insurer the right to deny claims due to Provides the Insurer the right to deny claims due to concealment of facts on the applicationconcealment of facts on the application

Contestability PeriodContestability Period

*The insurer can no longer contest claims after the plan has remained in force for (1) year except for gross fraud..

Contestability Period

EFFECTIVITY DATE 1 YR FROM EFFECTIVITY DATE

December 31, 2013January 1, 2013 INCONTESTABLEINCONTESTABLE

OTHER FEATURES

Equivalent to the Memorial Service Benefit Equivalent to the Memorial Service Benefit (MSB) with increments(MSB) with increments

It serves as a reward for living wellIt serves as a reward for living well

40th Plan Anniversary40th Plan Anniversary

Optional Living Cash BenefitOptional Living Cash Benefit

*Once the Planholder avails the Living Cash Benefit, the Original Plan Contractwill be surrendered and PhilPlans shall be discharged from any liability or obligation under this contract.

OTHER FEATURES

After the 40th Plan Anniversary, the plan After the 40th Plan Anniversary, the plan will continue to earn interest at a rate to be will continue to earn interest at a rate to be determined by the Company’s Board of determined by the Company’s Board of DirectorsDirectors

May be withdrawn by the planholder any May be withdrawn by the planholder any time upon written request to PhilPlans (in a time upon written request to PhilPlans (in a standard company form)standard company form)

Unclaimed EndowmentUnclaimed Endowment

OTHER FEATURES

Designated beneficiary/ies will receive80% of the Plan Value or 100% of the Plan

Termination Value, whichever is higher, and the insurance benefit (if any) reckoned from

the date of the Planholder’s demise. .

Unrendered ServiceUnrendered Service

OTHER FEATURES

The plan may be assigned to a deceased The plan may be assigned to a deceased person other than the Planholderperson other than the Planholder

The Memorial Service Benefit shall be The Memorial Service Benefit shall be computed based on the Plan’s Termination computed based on the Plan’s Termination ValueValue

AssignabilityAssignability

A Planholder can transfer all rights and A Planholder can transfer all rights and privileges of his plan to another person, privileges of his plan to another person, subject to the following conditions :subject to the following conditions :

Plan must be in forcePlan must be in force Request in writing (Amendment Form)Request in writing (Amendment Form) New Application formNew Application form

*The prospective Planholder will be subject to underwriting requirements and will be treated as a New Planholder.

TransferabilityTransferability

OTHER FEATURES

PREMIUM PAMANA

CREMATION PACKAGEPRICEPRICE

WALK-IN P200,000 + 20% Senior Citizens’ Discount

With PhilPlans Life Plan P150,000 + 20% Senior Citizens’ Discount

PREMIUMPAMANA-HERITAGE

PLANP100,000 only!

Spotcash of P100,000Spotcash of P100,000

Associates can acquire the Plan and/or sell it Associates can acquire the Plan and/or sell it to friends and loved onesto friends and loved ones

No commission BUT with Production Credit No commission BUT with Production Credit for qualifications to Drivesfor qualifications to Drives

PREMIUM PAMANA-HERITAGE PLANPLAN

Pick-up of the deceased from the place of Pick-up of the deceased from the place of deathdeath

Chapel for Mass, 3 days viewingChapel for Mass, 3 days viewing

Cremation with UrnCremation with Urn

PermitsPermits


Package Includes:Package Includes:

The Memorial Service Benefit shall be equal The Memorial Service Benefit shall be equal to the 100% of the Plan Valueto the 100% of the Plan Value

The plan may be assigned to a deceased The plan may be assigned to a deceased person up to the second degree of person up to the second degree of consanguinityconsanguinity

AssignabilityAssignability


Will be equal to Plan Termination ValueWill be equal to Plan Termination Value

Unrendered ServiceUnrendered Service


OTHEROTHERFEATURESFEATURES

When the appointed hour comes,When the appointed hour comes,what would you desirewhat would you desire

for your family?for your family?

You want to spare themYou want to spare themfrom the harrowing ordeals of arrangingfrom the harrowing ordeals of arranging

your memorial service.your memorial service.

What would your familyWhat would your familydesire for you? desire for you?

To give you only To give you only the best memorial servicethe best memorial service

you deserve.you deserve.

THANK YOUTHANK YOU

Economy & Finance

Product Training - Pamana Heritage