Summary of Pay Out for Mortuary Agreements

BE a BIDDA: "BELIEVE, INSPIRE, DREAM, DO ACHIEVE"

Pay out by the mortuary schedule

Social  (Compassionate)

Zinnia    7,500      100%            Stucco

Daffodil  10, 000  100%           OMG half glass

Economic  (Wood)

WhiteR      14,345    95            OMG FG  

Gladioli     18,763    95            OMS FG   Patong

Cattleya    21,285   90             Jr Elgin    

Metal   (Socy)

Peace Lily   28,080   90    Sr Elgin   

                               or 

                     28,080           Jun Metal Full Cap

                                                           

Carn              40,225  90     Sr. Metal

Chrys             51,845   90    Semi Metal Plexi   

                                                         

LUX

Lotus              63,750    85    Sr. Metal      

                                           
Plexi

Zaffron           85,000   85       Semi Bronze
                                                   or

                                                Impt wood

 GoldenOrch  127,500     Metal Jango   (a la Bates Ville)

Bouquet   200          85     Solid SS
                                               or

                                          Solid Bronze

We can register with IC the 5 upper products:    Gladioli, Cattleya, Peace Lily 

and two social products in 2017    Zinnia and Daffodil  (same benefits)

Then three more products in 2nd half, 2017:    Carnation, Chrysanthemum, and Zaffron with Return of Premium

             Return of Premium is feasible because of:

            10% savings on TF;
            10% savings on the TF with Mortuary (about 5%)

             and 5% investment income net for the next 20 years
             = 80% net of WT   =   100 ROP plus 3% possibility of                    the principal not reaching age 55 (assuming he buys at 40 years old 

                                                        

                                                             

                                                          

: Realignment of Product Names for Simplicity and Better Understanding

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

BIDDA:    BELIEVE INSPIRE DREAM DO ACHIEVE

Google.com+/HolyGardensGroup

---------- Forwarded message ----------
From: Holy GardensGroup <holygardens.group@gmail.com>
Date: Sun, Apr 5, 2015 at 2:06 AM
Subject: Realignment of Product Names for Simplicity and Better Understanding
To: hgmpgreenhills <hgmp.calamba@gmail.com>, holygardens.group.memorial@blogger.com, Holy Gardens Calapan Calapan <hgmp.calapan@gmail.com>

DRAFT MEMO:  2nd draft rev.

April 13, 2015

I  Objectives:

1. To properly situate our products in accordance with our priorities ie to sell products before services

2.  To avert difficulties with JV partners

3.  To avoid collision course with SEC and OIC

4. To make for easier understanding of our products and services by office staff and and SE

I I Background:

We have some success with Hataw because they are easy to understand;  because of the various names,  our people get confused

After hataw, we will campaign for:

COMPLETE MEMORIAL PACKAGES campaign for May to June

1. Memorial Park Plus +

2   Services Plus  +

THIS WILL ENABLE US TO FOCUS AND SUSTAIN OUR SALES CAMPAIGN

III What:   (are the realignment changes?)

1.  We will call these products:   COMPLETE MEMORIAL PACKAGES"

2.  Products and packages below P100t shall called traditional

Revision of Customer Amortization Protection Fund brochure and customer's data

Cynthia:

Kindly take note of the new Customer Amortization Protection Fund
brochure and customer data sheet:

Kindly request your consultant to revise:

CAPF

What is Customer Amortization Protection Fund

Customer Amortization Protection Fund  -  It is a fund established to provide protection of Holy Gardens Plot, Holy Gardens Memorial Package, and Majorem Lending borrowers in case of natural death.

Features:

1. Transfereable to any living person

2    Asssignable to a deceased person

3.  No medical examination required.  Only self assessment answer to a questionnaire

Benefits:

1.  Unpaid balance deemed paid.   The fund shall pay the unpaid balance of the amortization up to a maximum amount of P100,000 in case the member who is between the age  of 18 to 60 dies while paying the amortization beyond the one year contestable period

2.  Return of Payments Made -  If the member of the Fund dies within 3 years or during the amortization period, the principal  he has paid shall;; be returned to his designated heirs provided the membe6rs age is not beyond 65 at the time of his death and between the age of 18 to 60 at the time of membership

Membership Fee

It is 1% of the TLP for lots, and TSP for Holy Gardens Memorial Package per year.  Only those whose term is for 2 years are deemed to be qualifed for f or membership.

Certificate of Membership:

Certificate of membership are issued to members:

1. Upon submission of duly filled up questionnaire (contained in this brochure)

2.  And receipt of membership fee from the Holy Gardens from whence the contract was completed

Approval of membership  (Use the current form)

CUSTOMERS DATA  (use the form in the current questionnaire)

BENEFICIARY  (use existing form.  But add:

The beneficiary must show proofs of relationship when availing of benefits like death , birth and marriage certificates

HEALTH STATEMENT  (Use/retain the questionnaire)

and add:

1.  Do you smoke

2.  Do you habitually drink alcohol;

3.  Are you currently under the care of a physician (name address, telephone number)

4.  Do you exercise regularly?

5.  Are you engaged in a stressful job/home/environment?

6.  When was your latest physical exam/executive check up

7.  Are you engaged in sports like scuba, car racing, BASE jumping, skydiving, skiing, mountain climbing?

COVERAGE:

1.  Age :   18 to 60

2.  Lifestyle:  non stressful or risky

3.  Not habitually smoking or taking alcohol

4.  Does not have any history of these diseases:

    1.  Hypertension

    2.  diabetes

    3.  COPD

    4.  Cardiovascular disease

    5.  HIV

    6.  LIver disease

     7.  Tumor, cancer and other neoplasm

5.  Exclusion:

    1.  Death during the contestable period of one year from start of date of membership

    2.  Death from accidents, murder,homecide suicide, accidents

    3.  Death from pestilence, epidemics, outbreaks/strange  unknown diseases

   

Contestable period:

It is a period of one year from start of date of membership during which the membership can reserve its right to pay, or contest the health data of the member present; or refuse to pay for any reason whatsoever.

Requirements for payment

1.  The heirs must notify the Holy Gardens sbu from where the produhct service in writing, specifying the amount, the contract number, the rname of the member the date of membership, and Membership number

2.  Certificate of membership

3.  Proofs of the beneficiary of his/her relationship with the member

__I agree to above terms and conditions