2. Eligibility Conditions Eligibility conditions and production requirement for the membership of MDRT – 2013 (Production year 2012 Calendar Year) : B) First Year Premium condition MDRT qualifiers 32,74,400 COT qualifiers 98,23,200 TOT qualifiers1,96,46,400

3. Eligibility Conditions Eligibility conditions and production requirement for the membership of MDRT – 2013 (Production year 2012 Calendar Year) : A) First Year Commission condition MDRT qualifiers8,18,600 COT qualifiers 24,55,800 TOT qualifiers 49,11,600

4. Incentives & Support to MDRT Agents Interest free advance upto ` 80,000 to all MDRT agents who attend Annual meet. Out of ` 80,000, reimbursement of ` 40,000 to all the COT agents who attend the MDRT Annual meet. Reimbursement of ` 80,000 to all the TOT agents who attend the MDRT Annual meet. The reimbursement is done for only one meeting.

5. Incentives & Support to MDRT Agents Corporate club members who have qualified for MDRT/COT/TOT are also eligible for reimbursement upto Max ` 80,000 or actual Air Fare whichever is lower. Corporate club members MDRT agents are also entitled to out of pocket expenses of ` 15,000 for attending MDRT Annual Meet. MDRT qualifiers on commission basis only are eligible for Interest free advance for purchase of Laptop upto Max. of ` 80,000 recoverable in 60 equated monthly instalments.

6. Incentives & Support to MDRT Agents Agents who qualify for either TOT or COT on commission basis only for at least two years in succession, are given Interest free advance for purchase of Laptop upto Max. of ` 1 lac.

7. Incentives & Support to MDRT Agents Additional incentives for MDRT/COT/TOT. MDRTReimbursement of MDRT Registration fees to all MDRT qualifiers. COTReimbursement of MDRT Registration fees and ` 25,000 as out of pocket expenses for attending MDRT Annual Meet. TOTReimbursement of MDRT Registration fees and ` 50,000 as out of pocket expenses for attending MDRT Annual Meet.

8. Benefits to MDRT Agents MDRT Qualification will boost Renewal Commission earning of Agents i.e. the real Income of Agents. MDRT is a booster dose for higher Club Membership. It is a beginning of Corporate Club Membership – A step forward towards Corporate Club.

9. Benefits to MDRT Agents Agents become a member of elite group in BO/DO/ZO. MDRT membership is recognized internationally as a standard of sales excellence in Life Insurance and Financial Services Agent earns a unique recognition and Goodwill which helps him for future Marketing.

10. Benefits to the Corporation Higher productivity of Agents. Creation of select Band of performers. Role model for new entrants and low performers. Such performers give grand pick-up to new products launch/new competition.

11. Benefits to the Corporation Creation of skilled Agents to handle HNI segment. Such Agents create positive environment. Helps offices to reach budgeted target. MDRT Agents are always dedicated and committed to achieving their business targets. They have actual logistic (skill) of selling insurance policies.

12. Benefits to the Corporation MDRT Agents are more reliable and dependable because of high commitment. They are highly motivated group. They are the Brand Ambassador for the Corporation. No time limit to become a MDRT.

13. So, do you all want to be MDRT? ….. Yes. How? More than 8 months have gone. Only about THREE months left

14. ROADMAP TO SUPER FAST MDRT Delhi Division - I

15. Business Model-I A Few Big Ticket Size Sales in SP ( Just 1 Case of 5 Cr Or 5 Cases of 1 Cr each) Bima Bachat(Age-35) (175-15) Jeevan Akshay-VI(Age-60) Jt Life Pension with ROC Prem.Rs.4,98,39,022 (SA-Rs.6,70,00,000) Rs.97,00,000 + Rs.2,99,730(ST) =Rs.99,99,730 SB PaidRs.1,00,50,000 X 4 = Rs.4,02,00,000 Rs.7,22,165 X 25 =1,80,54,125 Final Payout Rs.4,98,39,022 + Rs.4,02,00,000(LA) =Rs.9,00,39,024 Rs.97,00,000 Total Payout Rs.13,02,39,024Rs.2,77,54,125

16. Business Model-2: Innovative Combo ( SP + NSP ) (30 pols of Rs 10 Lac Prem) Jeevan Akshay-VI Jt Life Pension with ROC Age-40 Jeevan Tarang Age-0, T/PPT-20/20 SA-Rs.13,50,000 Prem Rs.9 Lac + Rs.27,810(ST) =Rs.9,27,810 +65097 = Rs.9,92,907(One Time) Pension/ Maturity Rs.65,880Rs.12.96 Lacs ( after 20 Yrs ) Pension from 21st Yr 65880 X 25+74250+Rs.38,880(3% on Mty)=Rs.1.13 Lacs Amt payable on death *(at age 85 Yrs) 9 Lac( after 45 Yrs of policy) ( Tot pension Recd-Rs.17.13 Lacs) Rs.13.5 Lac + Rs.34,42,500= Rs.47,92,500 (after 85 Yrs of policy) ( Tot SB Recd-74250X85 + 38880X85= Rs.96.16 Lacs) Net Total Payout = Rs.65,880 + Rs.12,96,000 +Rs.179010X25 + Rs.900000+ Rs113130X40+Rs.47,92,500-992907 = Rs.1,50,61,923

17. Business Model– 3 Retire and Enjoy Packages Age-35Pension period 61-75 Yly Prem. under plan 149 for Pkg of 15 pols (Term 26-40 Yrs) of Sum Assured-2.05Lac each =Rs.1,00,598 Premium Paid Rs.1,00,598 X 26 Yrs = Rs.26,15,556 Risk Cover Rs.90.93 Lacs to Rs.30.75 Life long risk cover Rs.30.75 Lacs PensionRs.542960 to Rs.14,78,050 Total Payouts (Net) Rs.1,46,53,174(Mty) +Rs.30,75,000(On 100 Yrs) = Rs.1,77,28,174

18. 9 Pols of 10 Lacs SA each under New Jeevan Shree-I with Term/PPT- 15/2. Example:- Business Model – 4 Limited Premium Payment Term Plans Term15 YrsPrem Paying Term 2 Yrs Age30Sum Assured10 Lacs Prem.Rs.379,868One time Investment Rs.379,868+ Rs.361,778 =Rs741,646 Maturity Value Rs.10 Lacs + Rs.7.10 Lcs, Bonus = Rs.17.10 Lacs Returns2.31 times investment Tot Comm. 9.25%(5% on FYC + 2% Bonus + 2.25% 2 nd Yr Comm

19. Now, Can you do it?

20. Yes. You can.

21. You need to just focus on: 1 to 5 BIG Sales Or 30 SP+NSP Product Combo Or 21 R & E Packages Or 9 Limited payment Plans

22. Give your VERY BEST in the next 70 days I am sure everyone present here will be MDRT by 30 th Nov GOD BLESS U & Delhi DO-I