Why Lifeline? Surrender the plan anytime, stop lifecover and utlilize the money for education, marriage, buying a house etc (MONEY FOR SAVINGS) At a desired age, guaranteed pension for a lifetime (COMFORTABLE RETIREMENT) back calculate a Minimum premium for a life cover upto a specific age of the client Pay just $100 monthly for 10 years and enjoy peace of mind for a lifetime (LIFE COVER UPTO AGE 95)

Sales Process AED 10,000 - Monthly family income AED 3,000 – Rent AED 1,500 – Car Loan AED 3,000 – Living AED 2,500 – Net Disposable Income Short Term needs AED 500 Long Term needs AED 2,000 Super Saver Plan for $680 per month DEATHDEATH Annual expense of the family = AED 90,000 = $ 24,523 In your country – 50% = $12,261.5 per annum Fixed Deposit amount to give $12,261.5 as annual interest at 5% = $245,230 Lifeline Plan with Face amount of $245,230 Monthly expense of the family remains same = AED 7,500

FeaturesExplanationsBenefits Life protection till the age 95 of the client Client can choose an age upto which he/she desires to have life protection. Maximum age upto which life protection is offered under this plan is Age 95. Minimum face amount client can choose is 35000$ and maximum is $10Mn subject to approval Financial security for client's family in the event of his/her unfortunate death

FeaturesExplanationsBenefits Shorter premium payment term of 10 years client needs to contribute premiums to the plan only for 10 years and get extended life protection till an age (less than 95) he/she desires An expat client living in UAE needs to pay only for a period of 10 years when he has the disposable income, but get life protected till an age (less than 95) he/she desires

FeaturesExplanationsBenefits Pension/ Annuity Option Choice of using the lump sum account value at the chosen pension age to provide an annuity/pension guaranteed for the next 20 years or for life thereafter if the insured is alive Helps to plan for good retired life at the desired time in life and to financially secure the beneficiary with a regular income upto 20 years

FeaturesExplanationsBenefits War Risk cover – terrorism / war Life cover is offered against death due to war, terrorism. This coverage is worldwide Protects the client's family by providing financial security in the event of client being a victim of war, terrorism, riots, mutiny etc leading to his/her death

FeaturesExplanationsBenefits Flexibility in Increase/decr ease of the Sum Assured amount Face Amount increases can be made after the 2nd policy year subject to evidence of insurability. There is a limit of one increase per year. The minimum amount of increase is USD 10,000. The maximum amount of increase will be 50% of initial face amount. Face amount decreases can be made after 5 years as long as the resulting Face Amount is not less than $35,000 According to the change of needs in client's life, his/her requirement of life coverage may also change. Lifeline provides to increase or decrease the face amount accordingly.

FeaturesExplanationsBenefits Optional/ Additional Insurance Benefits Waiver of premium - in case of client becoming totally and permanantly disabled, ALICO will pay the premiums on behalf of the client so that his/her financial objectives are achieved. Critical Illness - In the event of client being diagnosed of any of the 32 critical illness + tele medicine, a lumpsum amount is paid out to the client which he/she can use for the treatment of the illness. CI coverage amount is not deducted from the life coverage in the event of client's death after ALICO pays out CI coverage amount Spouse Term Insurance - To protect spouse's life. Offers comprehensive protection and thus financial security to the client and to his/her family in the event of the client becoming disabled or contracting a critical illness

FeaturesExplanationsBenefits Low minimum premium With as little as US$100 per month, you can start a savings plan You can have access to 3 different investment funds, covering all major markets and sectors, which generally require a much higher premium per fund to invest into.

Why Lifeline - for bank; for you Guaranteed "2 day" Turn around time Response from ALICO to the bank for a Non medical case will be within 2 working days. For a medical cases, response within 3 days of client completing the required medical examinations RM/ Bank spends less time per client and sell more policies and make more revenue ALICO's Local administration The team is based in Sharjah. Everything is handled locally, from processing to issuing policy. Closer to the market : Allows us to understand your requirements better and fine tune servicing where needed Quick and prompt pre and post sales service. It will be percieved by the client as " I care" - This will strengthen the relationship of the bank with your client Easy Documentation requirements at the time of applying 3 page simple application form signed, Passport copy with valid visa page, Illustration signed Non probing to the client and reduces customer remorse, user friendly to the sales agent in the bank. This means bank spends less time per client and sell more policies and make more revenue Relaxed Medical underwriting No medical underwriting requirements if the client is choosing a face amount of less than 250,000$ and client is of age less than 55 RM/ Bank spends less time per client and sell more policies and make more revenue

Competitive Advantages At any given scenario without riders Lifeline Illustration gives Better cash surrender value at any policy year Or Life cover for higher age for a given premium

Competitive Advantages ParametersALICOCompetition Application Form - # of pages 49 Medical Questionnaire - # of pages 16 Documentation - Application - Application√√ - Financial Planner - Financial Planner √ - Proof of residence (i.e. Utility bill) - Proof of residence (i.e. Utility bill) √ - Illustration - Illustration√√ - Passport Copy - Passport Copy√√

Competitive Advantages ParametersALICOCompetition Guaranteed return fund 3% per annum Cumulative of an average of 2.75% per annum over 10 yrs Pension Option √

Competitive Advantages ParametersALICOCompetition Critical Illness - Illnesses - Illnesses HIV occupational cover & due to blood transfusion - HIV occupational cover & due to blood transfusion√ Not covered - Telemedicine - Telemedicine√N/A - Waiting Period - # of days - Waiting Period - # of days 4 months 6 months - Payment upon diagnosis - Payment upon diagnosis√N/A - Accelerated coverage - Accelerated coverage√ N/A

Competitive Advantages ParametersALICOCompetition Services - Commitment of 2 day service response - Commitment of 2 day service response√N/A - Quick turnaround medical results - 2 Days from the date of medicals done - Quick turnaround medical results - 2 Days from the date of medicals done√N/A - Well knit Medical facilities inside Gulf - Well knit Medical facilities inside Gulf√N/A

Life Line

Starting work workRetirement IncomeStops

IncomeStops Retirement What do you think life would be like if you retired with no money, or with a low income How could you pay your bills, like the gas or electricity bills How could you buy good food for you and your wife How could you afford to buy decent clothes Life Line

IncomeStops Retirement If you or your wife became ill, how could you afford good medical treatment What do you think it would be like to spend the last 10, 15 or 20 years of your life with no money Life on the poverty line Life Line

Starting work workRetirement IncomeStops Dreams Child’s Education Daughter’s Wedding Buy a house Money for your Death

Life Line Starting work workRetirement IncomeStops Death Dreams Child’s Education Daughter’s Wedding Buy a house Money for your

Life Line Starting work work Death How could your wife cope without your income What sort of life could she give to your children How could she afford the rent for your flat How could she feed and clothe herself and your children

Life Line Starting work work Death If one of your kids became ill, how could she afford decent medical care What sort of life could she give to your children Try get an image of her life if you died She might lose everything that you've built up together Money on

Life Line Starting work workRetirement IncomeStops Death Dreams Child’s Education Daughter’s Wedding Buy a house Money for your Money on

Life Line Starting work workRetirement Death Money on Child’s Education Daughter’s Wedding Buy a house Where would you find the money to look after your family What would your landlord do if you couldn’t afford to pay the rent

Life Line Starting work workRetirement Death Money on Child’s Education Daughter’s Wedding Buy a house How could your afford your own medical treatment What kind of education could you give your children

Life Line Starting work workRetirement Death Money on Child’s Education Daughter’s Wedding Buy a house Some people think that this is worse than dying Sitting in a wheel chair watching your family collapse around you with no money

Life Line Starting work workRetirement Dreams Money on Disability Money for your Income in Retirement Death What are Your Priorities