Reminder and follow up to submit MB Life and Malayan PAI applications

TO      :    All CMO

Date:      November 16, 2017

Subject:   Return of Application for CGLI and PAI coverage of Hataw March buyers

          We sent this notice last September 21, or nearly 2 months ago.

          The sad state of our affairs is that out of 5,000 or so buyers only about 300 have applied for insurance are covered. The insurance coverage is by no means automatic.   Even the 300 are not covered by PAI

This office  gently reminds the SBUS and their CSS (2 or 1) to attend to the submission of the above  since the non coverage puts HGMP in great risk:

      1.  Financial risk -  in case of death or accident (since that is stated in the contract);   we may not have the PHP to pay the claims especially for accident

      2.  Legal indemnity -  because we agreed in the PPA that there is an insurance coverage.

This office enjoins your good selves and it is a fair warning to attend to this immediately.  The pending items pile up

 This office requires that you submit to this office immediately the timelines and commitment for action

For compliance.

JUS

FOR PRINTING, HARD COPY AND SENDING TO SBUS

---------- Forwarded message ----------
From: Marjorie Miranda <bpi.saa2017@gmail.com>
Date: Thu, Sep 21, 2017 at 3:36 PM
Subject: Notice to MB Life
To: Jorge Saguinsin <holygardens.groupnew@gmail.com>

Good day sir.

Below is the notice to post regarding MB life.

Attached herein also the notice with the header.

NOTICE

September 21, 2017

TO:         All Holy Gardens Buyers

Notice hereby served to all the buyers of Holy Gardens Memorial Park under our regular sales and Hataw Promo last March to May 2017.

We promised that we will issue all our buyers for Personal Accident Insurance and Credit Group Life Insurance which assures the customers of amortization deemed paid and disability benefits in PAI.

However, this shall be effective after you have filed GLI application form an after you receive a policy for such insurance coverage.

Holy Gardens Memorial Park its officers, employees and assigned agents shall not be held liable for such insurance coverage unless a duly signed and accomplished application for Group Life Insurance has been submitted to us and policy for such coverage have been issued.

A large number of our customers unfortunately have not done the above.  May we request for usual and kind consideration and understanding.

By:

The Management

--

Thank you.

Marjorie Miranda

Sales Admin Assistant

Please visit the following sites:

   Holy Gardens Rewards

   Patsikot/SUV Promo

   Bonus pa more sa pagtulong sa bentang todo2

--

PAGSASANAY SA TAGUMPAY (Training for Success)

SETTING THE STANDARDS IN INTERMENT SERVICE

Innovation creates more wealth and more customers

  Jorge U. Saguinsin

  Be a BIDDA now

  RRURAC   (Read, Reflect, Understand, Realize Act, Check)

   Please visit the following sites:

   

   Free Obituaries for Friends of Holy Gardens

   Free Obits for Holy Gardens Customers

   Archives for Holy Gardens Tributes

   Birthdate and death date anniversaries of dearly departed

   Holy Gardens Rewards

   Patsikot/SUV Promo

Notice:   This email address is a private property of Holy Gardens Group and its contents are private and confidential.    Its contents and attachment  may not be copied nor forwarded to parties other than the ones intended to,  nor can the contents be used other than the original intent  You are advised to delete the message you received if in case it may have been wrongly sent to your good office

Notice to Customers Regarding Insurance Coverage

-

NOTICE

September 21, 2017

TO:         All Holy Gardens Buyers

Notice hereby served to all the buyers of Holy Gardens Memorial Park under our regular sales and Hataw Promo last March to May 2017.

We promised that we will issue all our buyers for Personal Accident Insurance and Credit Group Life Insurance which assures the customers of amortization deemed paid and disability benefits in PAI.

However, this shall be effective after you have filed GLI application form an after you receive a policy for such insurance coverage.

Holy Gardens Memorial Park its officers, employees and assigned agents shall not be held liable for such insurance coverage unless a duly signed and accomplished application for Group Life Insurance has been submitted to us and policy for such coverage have been issued.

A large number of our customers unfortunately have not done the above.  May we request for usual and kind consideration and understanding.

By:

The Management

Kindly:

1.  Post this at your respective offices
2.  Give copies or mail to our buyers on record;
3.  Give copies to our sellers in order to notify their buyers.

Out of 3,000+ accounts we have sold lots to, only 200 have accomplished such application for insurance coverage.  The insurance coverage is by no means automatic.

--

Notice to Customers Regarding Insurance Coverage

NOTICE

September 21, 2017

TO:         All Holy Gardens Buyers

Notice hereby served to all the buyers of Holy Gardens Memorial Park under our regular sales and Hataw Promo last March to May 2017.

We promised that we will issue all our buyers for Personal Accident Insurance and Credit Group Life Insurance which assures the customers of amortization deemed paid and disability benefits in PAI.

However, this shall be effective after you have filed GLI application form an after you receive a policy for such insurance coverage.

Holy Gardens Memorial Park its officers, employees and assigned agents shall not be held liable for such insurance coverage unless a duly signed and accomplished application for Group Life Insurance has been submitted to us and policy for such coverage have been issued.

A large number of our customers unfortunately have not done the above.  May we request for usual and kind consideration and understanding.

By:

The Management

--

Thank you.

Marjorie Miranda

Sales Admin Assistant

Please visit the following sites:

   Holy Gardens Rewards

   Patsikot/SUV Promo

   Bonus pa more sa pagtulong sa bentang todo2

--

SETTING THE STANDARDS IN INTERMENT SERVICE

Innovation creates more wealth and more customers

  Jorge U. Saguinsin

  Be a BIDDA now

   RRURAC   (Read, Reflect, Understand, Realize Act, Check)

   Please visit the following sites:

   Holy Gardens Rewards

   Patsikot/SUV Promo

   Bonus pa more sa pagtulong sa bentang todo2

Notice:   This email address is a private property of Holy Gardens Group and its contents are private and confidential  and  may not be copied or forwarded to parties other than the intended parties. nor can the contents be used other than the original intent  You are advised to delete the message your received if in case it may have been wrongly sent to your good office

Implementation of Insurance: filling up of application forms collection of the premium andremittance

What:   Implementation of insurance for hataw pa more and other insurable accounts

Who:   Cherish, Wendy MM

When:   ASAP

Objectives:

1.   To implement the insurance coverage for the Hataw accounts

2.  To collect and remit the premiums

  

3.  Provide peace of mind and security to the buyers of our products;

4. To keep our word to the customers

Reality:

Nothings moving.  We conducted a series of meeting with MB Life, asked for forms, hired additional people moved into a new office.  We trained people  And we have not insured any one yet.

This is very embarrassing not to mention that we are at great risk in case someone meets accident

Options:

1.  Be the way we are;  We will shoulder the risk

2.  Move now.  Wendy Lirio shall do the PDCA for this project not later than June 21, 2017

We back track beginning June 15 for both GYRT and Personal Accident until we cover up to May 1, 2017.  Then we back track to March 1, 2017

1.  Begin with PA.  List down all:

    1.  employees who are two years or more with the company;

    2.  those who paid in cash from May 1 to June 15 

    3.   those who bought plots form us from May 1 to June 15.

2.  Send the application form to the SBUs for the period mentioned.

    1. Collect the forms

    2.  Remit the 4% deduction for the insurance

    3. MLII will collect

    4.  MLII will pay by remitting the amount to MB life via CBS at the ground floor

    5.  Mail send the policies to the plan/plot holder.  ASAP

3.  WL will handle this as we hire another AA for funds, and an insurance assistant WL will handle the loan accounts at AM and insurance in the PM until the replacement regular is hired

FOR COMPLIANCE

--

Jorge U. Saguinsin
To "be the best, do your best, expect the best" always

N.B.   The information contained herein are private and confidential in nature.  The sender does not assume any damage that may arise from improper use of the email contained. ;  especially if the information in this communication falls into the wrong hands causing damage and loss. to the company or any other parties.

Group Life Term Insurance for Destiny Memorial Plans a Primer

Primer for Group Life Term Insurance

Objectives:

     1.  To help sellers and agencies become 100% knowledgeable on the insurance aspect of Destiny Memorial   Plans under DFPI and Prrepaid Memorial Services under Holy Gardens

     2. To aid the sellers in case IC is giving exams to DFPI sellers

     3.  To avoid misunderstanding between customers/planholders and the company.

     4.  To facilitate claims, just in case

Reality:

     Ill explained and ill understood ang insurance aspect.  Many sellers misrepresented on the cap

Nature of insurance:

      Term life insurance.  The plan holder is insured every year for his life.  The insurance is covers protection but has no savings aspect.  The premium is so low, about P0.30/1,000 per month.  As a term insurance, the coverage expires every year, every end of 12 months

Premium of the insurance - who pays, when paid?

      DFPI and or HGMP sponsors pays for the insurance premium for the protection of the planholder;buyer when insureable.  The premium is paid within 30 days after the insurer is given the data, and the said premium is for one year;  Thereafter, the premium is paid for 4 years on the 13 month of the plan

     A question is asked if the planholder is not insureable shall the premium be refunded to the plan holder.    - No

Insurer:

    The insurer is MB life, a trusted name in Life Insurance with head office at VGP Building in Ayala Avenue, Makati City.  It is over 40 years in business just like Holy Gardens who is on its 34th year serving the public

Who are insureable?

     This is determined form the questionnaire at the front of the PPA.  It is the task of the seller or the branch head or the CMO to determine if the buyer is insureable

     1. Age =   18 to 60 years old

     2.  No pre existing conditions

          1.  Cancer

          2.  Diabetes

          3.  High blood pressure

          4.  Previous operations

          5.  Currently undergoing intensive medical treatment

     3. Is not involved in high risk job as a soldier, policeman, fireman, seaman, deep sea diver

     4. is not involved in hazardous sports like skydiving, race car driving, etc.

     5. is not working  or living in high risk area kike Mindanao, Mt Province.  They can be covered but premium are high and the company will not shoulder the same

      The questionnaire shall be answered in the handwriting of the customer and or his representative or by our office staff under the former's supervision.  The blanks shall be filled up legibly and clearly without any erasures, and witnessed by the sponsoring seller

Amount of coverage

     The maximum amount for any single person (total if he has two or more lots) is only  P100,000 maximum.  The customer is insured  for the entire amount of his plan and not only on the outstanding balance (which was our previous coverrage.   Thus the insurance pays the balance of the obligation to DPFI and returns the amount paid to the designated benefiary.

    Thus if the buyer gets a P50,000 plan and has paid for the P25,000, the P25,000 as balance will be paid to DFPI and the P25,000 paid to be paid the beneficiary:  children or spouse of the planholder

Exclusions:

   The insurer will not pay any claims arising from deaths caused by force majeure like earthquakes, typhoons tsunami or lightning, and natural disaster or from civil disturbance like riots, civil war and the like;    or from pestilence and epidemic like Ebola, cholera, SARS; and from violence like murder, assassination, robbery hold up, kidnapping with homicide and murder

   The insurer shall however pay for deaths arising from accidents

Cessation of coverage:

    Coverage shall cease for any or all of the following conditions:

    1. Assignment or transfer of plan to third party

    2.  Full payment of the plan

    3.  Plan is in arrears.

    4.  Death of the customer

Other paper works:

    1.  Plan holder information sheet which shall be filed as soon as the initial payment of the customer, who is insureable,  is paid.  This is for the purpose of obtaining the individual policy.  Policy shall be issued by MB life or the company. It is the duty of the company to ascertain the correct age of the customer from his birth certificate, ID, SSS card, OSCA card 

   2. Claims form in case of death/claim to be accompanied by copy of the plan, the policy, death certificate, and certified copy of the birth certificate.  It shall be filed within 48 hours after death

      Claims shall be paid within 7 working days after the receipt of complete requirements.  However the insurer shall reserve the right to investigate the circumstances of the death and may check the neighbors, the attending MD, the hospital and other pertinent medical records. If in the opinion of the medical examiners and investigators, the declaration are not consistent with the cause of death, the claim may be denied and only return of premiums shall be the action of the insurer.  

Contestability period  

There is a one year contestability period within which all claims may be contested by the insurer:  its medical examiners and investigators.   In the industry it is an accepted practice that no claims are processed entertained during the contestability period.  The contestable period is resorted to ;preclude the very sick and terminally ill to insure.

   

    

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Holy Gardens Plus  - about sales of services as addition to the plots bought

Destiny Financial Plans Inc  - about duly licensed memorial plan for sales

Griefshare   -  free obit posting

Holy Gardens Best  - best pictures

Landscaping ideas - gorgeous landscaping ideas

CONFIDENTIALITY NOTICE/disclaimer:   The information contained herein is strictly confidential in nature and is the property of Holy Gardens Group and intended only for the intended recipient and its  reuse,reprinting or taking action other than the intended party is strictly prohibited. Holy Gardens assume no responsibility liability arising from such unauthorized use.

RRURAC:    Read, Respond, Understand, Reflect, Apply and Check   SBUS and their staff are obliged to vist the said site to comment.  It is a way of having shared learning

BIDDA:    BELIEVE INSPIRE DREAM DO ACHIEVE

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