life book

S A L E S K I T &
B U S I N E S S G U I D E L I N E S
L I F E B O O K

L I F E B O O K
S A L E S K I T &
B U S I N E S S G U I D E L I N E S
COMPILED FOR JADEITE GROUP
UPDATED 24 MAY 2017

You are now a Financial Consultant for
Pru Life UK under Jadeite Branch.
This book will guide you to better understand
the business. This is your manual.
As promised, we will assist you from day one,
this is the beginning of it.
In our career, we value professionalism, integrity,
honesty, put others above ourselves and
most of all put God at the center.
We expect commitment and compassion to
our team, business partner and to our clients.
We can only achieve this by having ONE MIND
towards our business. But of course our working
relationship should go beyond this.
CHEERS!

TABLE OF CONTENTS
BM's Message
Branch Mutual Agreement
Business Plan
Do Well By Doing Good
What's In It For You? (Income)
Projected Income Table
National Achievers' Club Guide
Our Partner
Our Products
Understanding Our Funds
Understanding Our Business
Underwriting Guidelines
Underwriting Guidelines
Other Business Tools
1
2
3
4
5
6
7
8
9
10
11
12
13
14

WELCOME TO JADEITE!
If you are committed to growth
our coaching program will guide you
through each step.
We have useful guide, the key things
that if we do them over and over
again, we get consistent and
predictable results.
SEE IMMEDIATE RESULTS!
Once you experience it in your real-life
business, you must pass it on in the
form of mentoring and coaching to
other advisors in our industry. In order
to remain sharp, continue refining and
improving your processes.
BM Lani
PAGE 1

BRANCH MUTUAL AGREEMENT
This Mutual Agreement is entered into by and between the “agent” and the
JADEITE Management Team.
It is a real pleasure to welcome you to the JADEITE BRANCH of PRU LIFE UK.
The Management Team of the JADEITE BRANCH is dedicated to helping you to
be a high performing Financial Consultant and making you financially free,
and to partnering with you in achieving your dreams.
Below is an outline of what support you can expect from the Management
Team and what commitments we expect from you as a member of the
JADEITE BRANCH:
THE MANAGEMENT TEAM’S COMMITMENT TO YOU
1. We commit to maintain a winning, dignified and professional environment
that stimulates the best quality of financial advice for clients and to
provide a growth climate for our team members such as you. With your
commitment, cooperation and hard work, we shall mold you to become a
member of the Star Club and the Million Dollar Round Table (MDRT).
2. We commit to assist you with training and development through Branch
and Company approved methods.
3. We commit to provide you guidance on a weekly, monthly and quarterly
basis.
4. We commit to provide you with high standards of product, technology,
management and administrative support.
COMMITMENT TOWARDS YOURSELF
1. You are in the financial services business. You should be responsible for
your own finances. You should set aside during bountiful days to
compensate for the rainy days. Borrowing and lending money among area
members are prohibited.
2. Dress for success. Business attire is required. Always look and feel at your
best, you only get one chance at first impression. Don't waste this
opportunity.
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BRANCH MUTUAL AGREEMENT
3. This is your business. To make it grow, you should invest back in yourself.
Investing in tools like laptops, office equipment, books, marketing
materials, and personal development tools can improve your productivity.
4. No rebating and discounting to customers of any kind is allowed by the
company or by regulatory authorities. You deserve the commissions that
you will receive from the effort and time used in closing the deal, the
earnings will also be used for future services that you will be rendering the
client for years to come.
COMMITMENT TOWARDS YOUR LEADERS AND FELLOW MEMBERS
1. Recruiting or inviting your fellow members to other businesses such as but
not limited to multi-level marketing, direct marketing, other financial
institutions, is prohibited. Requesting for solicitation and sponsorship are
also not allowed. Likewise, selling of goods and services within the
company and area premise is prohibited.
2. Respond or acknowledge to text messages, e-mails and phone calls within
the day except when you are out of the country or when it’s physically not
possible. It is also expected of you to inform your leaders in the event you
will be out of town or out of the country.
3. Being on time is a sign of respect not only to your colleagues but to
yourself. Arrive at least 10 to 15 minutes before the start of each activity.
In the event that you will not be able to attend, it is necessary that you
inform your managers about it.
4. We expect you to work harmoniously with your leaders and members, and
maintain a positive attitude. We also expect you to continually contribute
to the professional atmosphere of the branch.
5. Be grateful to the leaders and members who brought you to our business.
Thus, you are to remain with the team of your referrer (e.g. AUM, UM, etc.)
through time. Furthermore, it would also be good if you would help the
team wherein you belong to, in referring clients and friends to become part
of JADEITE.
6. Open emails regularly at least thrice a week. This is our official means of
disseminating information, memos and incentive drive parameters.
PAGE 3

BRANCH MUTUAL AGREEMENT
7. After three months from the time of coding as a Financial Consultant, you
are expected to be able to make sales calls independently. You are also
expected to be prepared during sales calls, including having the necessary
forms, quotation proposals, coordinating with area assistants and
diagnostic laboratories for medical examinations when necessary. You are
assured of full support in preparing and training you for these duties.
8. Our service to our clients begins after closing the sale; you are expected to
maintain a complete and organized filing system prescribed by the area.
We have the forms and tools that you can adapt for your record-keeping.
9. We treat this career as our business. In this regard, we encourage you to
work full-time.
A. In the event that you decide to pursue other career, employment or
business, then we will ask you to choose which will be your sole
endeavour.
B. However, during the time that you join the business as part-time, you
agree to be re-evaluated after 3-6 months of tenure wherein the
management team and you will draw an agreed time frame for you to
go full-time.
10. We expect you to continue enhancing your knowledge and skills by
attending branch and unit meetings (including all business planning
sessions, and other activities) as scheduled for the purpose of updating
knowledge about products, sales techniques, and technical skills as well
as providing much needed motivational support. In this regard, you should
be present in at least 80% of all area and unit meetings.
COMMITMENT TOWARDS THE COMPANY AND THE INDUSTRY
1. You should attend all company activities such as but not limited to sales
rallies, product launchings, trainings, and economic briefing.
2. You should be a member of our industry association, Life Underwriter’s
Association of the Philippines (LUAP). You should aim to become a member
of the Million Dollar Round Table (MDRT) and attend MDRT conventions to
foster that sense of professionalism.
3. We expect you to participate to the best of your ability, in all agency/
company/industry contests. We expect you to be a member of the
Achievers’ Club.
PAGE 4

BRANCH MUTUAL AGREEMENT
4. You should respect our management, administrative staff, leaders, and
team members.
5. We expect you to be aware at all times of the Branch Mission and Vision,
terms of the Mutual Agreement, goals and work ethics, rules written in our
Career Agent’s Master Agreement (CAMA) and various memos (e.g. cut-off
schedules) of PRU LIFE UK and act accordingly.
6. You should take care of the assets provided by the company such as office
furniture/fixtures, projectors, and other equipment.
7. You accept the consequences of failing to meet the minimum performance
standards by agreeing to resign. Minimum performance standard of the
branch is set at P250,000.00 per year and a persistency of 85%.
8. In the event you fail to produce an OL (Ordinary Life) or UL (Unit-Linked)
sale and non-attendance of meetings for 3 consecutive months, you agree
to be re-evaluated by the management team.
9. In the event that you are no longer connected, you agree to work with the
assigned Financial Consultants and agency leaders to do the necessary
turnover in terms of endorsing the assigned Financial Consultants and
agency leaders to the clients.
I have read and understood this Mutual Agreement and will fully comply with
its provisions and I understand that this is over and above what I will sign up
as Career Agent of PRU LIFE UK. I agree to uphold this agreement during my
stay with the JADEITE BRANCH.
PAGE 5

Should I Become an Advisor in the
Financial Services Industry?
Maybe this question is still running in your head.
To give you clarity and some inspirations,
allow us to give you the words of
Edward G. Deutschlander, CLU CLF
President, GAMA International 2007-2008
Source:
Do Well By Doing Good
Produced by GAMA International
PAGE 5