life book 2

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

LIFE INSURANCE IS LIFE ITSELF
You may feel that
a life insurance policy is just
a piece of paper filled with
figures and legal phrases;
But once it is baptized
with a widow's tears
or a retired or a sick man's anguish,
it becomes a modern miracle.
It is transformed into
food, clothing and shelter.
No longer it is a legal document;
it becomes a love letter.
It eases the broken heart
of the partner who remains behind
and furnishes new hope
and courage to carry on.
It makes a mortgaged home
a deed instead of a debt.
It puts milk in a bottle
to quiet a hungry baby in the night.
It provides a college education for a child.
It is a father's "I love you"
to his children on their wedding day.
It is survival for an old man.
It is a medicine for a sick man.
Life insurance means LIFE itself.

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 Robles
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.
PAGE 2

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 recordkeeping.
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 6

DO WELL BY DOING GOOD
Over the past 15 years, Mr. Edward G. Deutschlander have invested somewhere
north of 40,000 hours in the financial services profession and
have interviewed thousands of people who expressed interest in
becoming advi-sors. From those thousands, a few hundred were selected
and hired and began training to build a successful advising practice.
Why so few out of so many? Because being an advisor is more than a job,
it is a career; some might go so far as to say a calling. This is one of
perhaps a handful of professions where you will have a direct impact on
the lives of others.
As with any career, there are many things to consider before making a
de-cision. This guide is designed to provide you with information about
the career and to help you identify what questions or concerns you want
to explore as you go through the selection process. Its goal is simple—to
give you the information you need to make a decision that is right for you.
Mr. Edward wishes you the best in your professional endeavours and all
that the future holds.
The Jadeite team wish you the same!
PAGE 7

DO WELL BY DOING GOOD
Why Become an advisor?
This is not a career that you “try on”. Financial advising is a profession,
just like law or medicine, and requires a professional level of commitment.
Like law and medicine, a career in financial advising requires additional
education, specialized training, intense effort and some sacrifice. For this
reason, the same level of thought you would you would put into going into
medical or law school should go into your decision to pursue a career in
financial services.
This is a journey only for those who are truly committed. But for those
few, the rewards are high. You will experience the three Cs career:
Contribution, Control, Compensation.
Contribution.Financial advising is not about selling. It’s about helping
others – helping them to prepare for the risks we all face — and being
there when they need it most. In this career, you will literally change the
course of people’s lives.
Control.You will have control over your practice. You will decide who your
clients are and how you spend your time. Becoming an adviser is like going
into business for yourself, but without the capital investment required in
starting a business and with extensive support from your company and
agency or firm.
Compensation.Advisors invest a great deal of time and effort early in the
career. But for those who stay the course, the rewards can be high. In a
white paper published by Monster Intelligence and based in part on GAMA
Foundation research, financial advising was reported as one of the top 10
highest-paying career in the U.S.
1
Most successful advisors also enjoy a truly balanced lifestyle. As your
practice grows, you may actually work less, not more. One advisor in the
report stated, “Now I take 14 weeks of vacation a year, but I had no
vacation during my first three years in the business.”
2
The real competition is death, disability and old age, and advisors see their
role as getting to the client before the competition does.
Advisors do indeed do well by doing good.
1 Financial Services Professional Report, Monster Intelligence Fall 2006
2 Ibid. p.6
PAGE 8

DO WELL BY DOING GOOD
The time is right.
Business and economic trends are promising for a career in insurance and
financial services. Demand for professionals in the industry has never
been greater.
At a 2007 summit of financial services industry executives, former Chair of
the Federal Reserve Alan Greenspan stated, “When you get right down to
the bottom line, even if we can fully fund Social Security and Medicare, our
retirees are still not going to receive the 70 percent to 80 percent of the
replacement income a financial advisor would recommend to a client… It’s
not accident that your profes-sion has increased as it has.”
3
A 2008 issue of Business Week addressed the concerns of the Millennial
Generation (ages 18 to 29) as they enter the workforce. “As the
government and employers shift more responsibility for benefits like
health care and retirement onto the shoulders of individuals, many
Millennials see themselves as unwitting victims… This may be the first
generation to fully feel the great shift of risk in their bones.”
4
The Monster Intelligence white paper cited earlier identified the following
trends:
5
The first of the 78 million Baby Boomers generation turned 60 in 2006
and faces retirement. This generation holds an estimated $17 trillion in
assets that need to be managed.
Reliance on Social Security and company-sponsored pension plans is
decreasing, while self-reliance on personal retirement planning is
growing.
Baby Boomer parents are passing their accumulated wealth onto their
children, which requires estate planning expertise.
People are living longer, they will need to plan to make their retirement
funds last over a longer period of time.
Increased life spans require that consumers plan for long-term care
needs.
The complexity, choice and sophistication of financial services means
the average consumer needs more advice to effectively accumulate,
protect and distribute wealth.
What does all this means if you are considering a career in the insurance
and financial services industry?
3 LIMRA 2007 Annual Meeting, Boston, MA, Oct. 30, 2007
4 “Youth Quake” Business Week, Jan. 21, 2008, p.34
5 Financial Services Professional Report, Monster Intelligence, Fall 2006, p. 5.
PAGE 9

DO WELL BY DOING GOOD
It means that people entering the workforce, people leaving the
workforce, people in the midst of their careers and all of the people who
are dependent on them are in need of a knowledgeable, ethical and
committed financial advisor.
The need for advisors has never been greater. Those who enter the
industry and establish their practices over the next several years will be in
an ideal position to make an incredible difference to society and to build a
very bright future for themselves.
Why is it that in the most bountiful nation in the world, so few reach
financial security and independence?
What challenges will I face as an advisor?
Statistics from LIMRA International indicate that the average four-year
retention rate for advisors is 15 percent. That means that only about one
in 10 remain in the career after the first four years.
6
With such a great need and so many rewards, why do so few people stay?
Because great reward does not come without sacrifice. This is a career
that requires anywhere from two to five years of training, long hours and
hard work to build a successful practice. The good news is — you are not
the first. Companies in the industry have systems in place that, provided
you follow them, will work. The more than 300,000 highly successful
advisors in the industry today are living proof.
Still there will be challenges, both personal and professional. You should
consider each of them carefully as you make your career decisions.
Finances.During your early years in the career, until you establish a solid
client base, your income will be limited. Many companies offer subsidy or
salary programs to assist you as you build your clientele and begin to
generate revenue. In exchange for this support, most companies will
expect specific activities and results from you. Be sure to ask about this
programs in your interviews. As you consider a career as an advisor, ask
yourself, “Do I have the finances to survive during the early years? Am I
willing to make the sacrifices a limited income requires now for financial
success later?
6 2006 LIMRA statistics, www.limra.com
PAGE 10

DO WELL BY DOING GOOD
Personal Support.A personal support network is crucial in the early years
of your career. This is specially true if there are others who depend on you
financially. It is difficult enough established in this business. Doing so
without the support of your family or friends is even more so. Many firm
or agency leaders will meet with family members to help them understand
both sacrifice and the rewards of the career. as you consider a career as
an advisor, ask yourself, “Does my family support me in this decision? Are
they willing to make the sacrifices needed for the longterm rewards?”
Prospecting. One of the most important steps for any candidate is
identifying how you plan to build a client base. Many people come in the
career focused only on the technical aspects. While these are important, it
will take many years to become a technical expert. In the meantime, you
must build your business. Most agencies or firms you interview with will
help you to determine if you have the marketing mindset needed to make
it in the business. Many include this as part of the selection process
through activities that help you identify and approach potential clients. As
you consider a career as an advisor, ask yourself, “Am I willing to approach
people I know and ask for their help getting started in this new career?
How will I find new clients outside of the people I already know?”
The reality is that most people begin to work with a financial advisor
because the advisor had the courage to reach out and plant a few seeds in
their mind, causing them to think what they want their future to look like.
Very few will seek out a financial advisor on their own.
Rejection.In order to build a client base, you will have to talk to a lot of
people. Many of them will not be willing to meet with you, won’t listen to
your advice and won’t be willing to introduce you to others. You can’t take
it personally. You have to be willing to persevere to find those people who
are interested in speaking with you and understand the value of the
services you offer. As you consider a career as an advisor, ask yourself,
“Will I be able to handle rejection? Do I believe strongly enough in the
value of the products and services I would be offering to persevere?”
PAGE 11

DO WELL BY DOING GOOD
Isn’t working on commission risky?
Many consider commission-driven or performance-based compensation
risky. It certainly can sometimes be “feast or famine” and it isn’t for
everyone.
Another way how to view risk, however, is the risk associated with how
many people pay you. For example, if you are a business owner with 40
accounts and two of those accounts make up 80 percent of your revenue,
there’s a very real risk that your business would not survive if one of those
accounts is lost. Advisors have hundreds of clients compensating them.
They do lose clients from time to time but there is little risk several
hundred clients paying them.
When considering risk, you should also consider investment and return. As
an advisor, your financial investment is low—perhaps the cost of
licensing. Business owners and other professionals, physicians and
attorneys, for example, make them higher initial investments, especially
when the cost of tuition is factored in.
The chart below illustrates this concept. A career as an advisor requires
minimal investment and offers low risk with a very high rate of return.
Advisors are often earning six-figure incomes in three to five years,
sometimes sooner.
CAREER INVESTMENT-RISK-RETURN MATRIX
Investment Risk Return
Advisor/Representative Low Low_Med High
Small Business High High High
Franchise High Med-High Med-High
Professional High Low-Med Med-High
Employee Low Low-Med Low-Med
PAGE 12

WHAT'S IN IT FOR YOU?
YOU
UP TO 45% COMMISSIONS
UP TO 20%
PRODUCTION BONUS
UP TO 20%
PERSISTENCY BONUS
10% OVERRIDE
COMMISSION
FROM YOUR RECRUIT
PAGE 13

WHAT'S IN IT FOR YOU?
PAGE 14

WHAT'S IN IT FOR YOU?
QUARTERLY PRODUCTION BONUS (QPB)
Percentage Based on NAP*
Percentage
12% 14% 17% 20%
150,000
190,001
300,001
NAP
500,001
TO
TO
TO
BRACKET
AND UP
190,000
300,000
500,000
Notes:
NAP: Net Annualized Premium (Total Annual Premium less Lapse)
QPB is an additional incentive given by the company to all its agents who reached
a certain NAP bracket for a certain quarter. (Subject to terms and conditions)
QPB is computed as (commission for the quarter x % based on the NAP bracket)
PERSISTENCY BONUS
1. Computed at the end of each calendar quarter based on the persistency as of the
end of the calendar quarter.
2. Persistency requirement and corresponding bonus rates:
FY Persistency
Percentage of 2nd
year commissions
FY Persistency
Percentage of 2nd
year commissions
Below 85%
Nil
93
26%
85
10%
94
28%
86
12%
95
30%
87
14%
96
32%
88
16%
97
34%
89
18%
98
36%
90
20%
99
38%
91
22%
100
40%
92
24%
3. PIA Plus, PRUMillionaire, top-ups, Accident & Health Products (e.g. Personal
Accident, PRUWellness, PRU Shield, Stand Alone Critical Illness), and Group Products
(e.g. Group Life, Group PA, PRUSecure) are excluded from the persistency bonus.
Note: All agent renumerations shall be paid in Philippine pesos.
PAGE 15