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PRODUCT TRAINING
THINKTHINKABOUT THIS…ABOUT THIS…
The passing of a loved oneThe passing of a loved oneis tough, not only emotionally but is tough, not only emotionally but
also financially.also financially.
Emotionally…Emotionally…
……because you will be loosing someone dearly loved.because you will be loosing someone dearly loved.
Financially…Financially…
……because all these will need money to be done.because all these will need money to be done.
securing death certificate choosing the servicing mortuary transporting the body from the
place of death to the mortuary preservation of the body application of cosmetics Choosing/buying the burial outfit informing relatives, friends and
colleagues Choosing/buying the casket/urn transfer permit (if transporting to a
different municipality)
transporting the body from the mortuary to the venue of the wake
flowers & mass cards refreshments date of interment place of interment time of interment priest (funeral mass) burial permit hearse/vehicle for the flowers memorial lot/urn interment/cremation fee thank you/sympathy cards
Memorial services nowadaysMemorial services nowadayshave become a social gatheringhave become a social gathering
for family, friends,for family, friends,and close relationships.and close relationships.
You can do all these and more at…You can do all these and more at…
HERITAGE PARK
The country’s premier memorial service The country’s premier memorial service providerprovider
Provides an array of the finest imported Provides an array of the finest imported caskets made by renowned manufacturer caskets made by renowned manufacturer York, USA. York, USA.
Houses state of the art chapels designed Houses state of the art chapels designed to guarantee the solemnity and serenity to guarantee the solemnity and serenity of the memorial service.of the memorial service.
HERITAGE PARK
HERITAGE PARK
HERITAGE PARK
HERITAGE PARK
HERITAGE PARK
HERITAGE PARK
HERITAGE PARK
How much will aHow much will amemorial service atmemorial service atHeritage Park cost?Heritage Park cost?
HERITAGE PARK
Pick-up of the deceased from the place of deathMortuary Services (preparation & embalming)
CasketChapel Rental (3) Days Viewing
Transporation: Hearse and Flower CarPermits/Death Certificates
Registry Book
PACKAGE 340 (P 340,000.00)PACKAGE 340 (P 340,000.00)
HERITAGE PARK
Pick-up of the deceased from the place of deathMortuary Services (preparation & embalming)
Casket / Floral PackageChapel Rental (3) Day Viewing / Food Package
Transporation: Hearse and Flower CarObituary Publications/Permits/Death Certificates
Thank You Cards, Registry Book, Event Management Venue set-up, etc
PACKAGE 550 (P 550,000.00)PACKAGE 550 (P 550,000.00)PACKAGE 850 (P 850,000.00)PACKAGE 850 (P 850,000.00)
HERITAGE PARK
Pick-up of the deceased from the place of deathMortuary Services (preparation & embalming)
Casket / Urn / Cremation / Floral PackageChapel Rental (3) Day Viewing / Food Package
Transporation: Hearse and Flower CarObituary Publications/Permits/Death Certificates
Thank You Cards, Registry Book, Event Management Venue set-up, etc
PACKAGE 1.3 (P 1,300,000.00)PACKAGE 1.3 (P 1,300,000.00)PACKAGE 1.5 (P 1,500,000.00)PACKAGE 1.5 (P 1,500,000.00)PACKAGE 1.8 (P 1,800,000.00)PACKAGE 1.8 (P 1,800,000.00)
MEMORIAL PACKAGE RATESMEMORIAL PACKAGE RATES 340,000340,000 550,000550,000 850,000850,000 1,300,0001,300,000 1,500,0001,500,000 1,800,0001,800,000
Pick-up of the deceasedfrom the place of death
Mortuary Services (preparation & embalming)
Casket
Chapel Rental (3) Day Viewing
Transportation:Hearse and Flower Car
Permits/Death Certificates
Thank You Cards, Registry Book, Event Management/Venue set-up, etc
(Registry Book
only)
Obituary Publications X
Floral Package X
Food Package X
Urn X X X
Cremation X X X
HERITAGE PARK
HERITAGE PARKPACKAGEPACKAGE CASKET TYPECASKET TYPE
Package 340 Imported 20-Gauge Non-Gasketed Metal Casket Type
Package 550 Imported 20 - Gauge Non-gasketed Metal Casket Type
Package 850 Imported 18 - Gauge Gasketed Metal Casket or Imported Wood Veneer Casket
Package 1.3 Imported 18 - Gauge gasketed Metal Casket or Solid Wood Casket
Package 1.5 Imported 32 oz. Copper Metal Casket or Imported Premier Solid Wood Casket
Package 1.8 Imported 48 oz. Bronze Metal Casket
Are you readyAre you readywith P 340,000? with P 340,000?
Are you readyAre you readywith P 850,000? with P 850,000?
Are you readyAre you readywith P1.8 Million? with P1.8 Million?
Having the peace of mindHaving the peace of mindof knowing that the monetary aspect of knowing that the monetary aspect
of the memorialization, if solved,of the memorialization, if solved,can somehow ease the pain…can somehow ease the pain…
This is a life plan exclusively designed for This is a life plan exclusively designed for use at the prestigious Heritage Park in Fort use at the prestigious Heritage Park in Fort Bonifacio, Taguig City.Bonifacio, Taguig City.
Major Benefits:Major Benefits: Insurance Benefits!Insurance Benefits! Guaranteed Memorial Benefits!Guaranteed Memorial Benefits! Preferential Treatment and Rates!Preferential Treatment and Rates!
4040 P250,000
5% increment every year!
P12,500
P687,500
P53,300 per year
1 2 3 4 5
DisabilityDisabilityAD&DAD&D
Credit LifeCredit Life Term LifeTerm Life
Contract Price5353
(inclusive of VAT)
LIFE PLAN OVERVIEW
With PAMANA HERITAGE Plan… Insurance Benefits Guaranteed Memorial Service Benefit Professional Administration of Memorial Service Exclusive Heritage Preferential Treatment and Package rates Fully Paid New Life PlanFully Paid New Life Plan (Additional Life Plan Benefit)
6969 8080P350,000 P550,000
GUARANTEEDMemorial Service Benefit
4040 P675,000
5% increment every year!
P33,750
P1,856,250
P143,910per year
1 2 3 4 5
DisabilityDisabilityAD&DAD&D
Credit LifeCredit Life Term LifeTerm Life
Contract Price5151
(inclusive of VAT)
LIFE PLAN OVERVIEW
With PAMANA HERITAGE Plan… Insurance Benefits Guaranteed Memorial Service Benefit Professional Administration of Memorial Service Exclusive Heritage Preferential Treatment and Package rates Fully Paid New Life PlanFully Paid New Life Plan (Additional Life Plan Benefit)
6464 8080P877,500 P1,316,000
GUARANTEEDMemorial Service Benefit
INSURANCEINSURANCEBENEFITSBENEFITS
INSURANCE BENEFITS
Credit LifeCredit Life
Disability BenefitDisability Benefit
Accidental Death and DisabilityAccidental Death and Disability
Term Life InsuranceTerm Life Insurance
INSURANCE BENEFITS
Waiver of InstallmentsWaiver of InstallmentsIf the Planholder dies If the Planholder dies during the paying periodduring the paying period
and and before the attainment of age 65before the attainment of age 65*,*,100% of the balance is fully paid.100% of the balance is fully paid.
Credit LifeCredit Life
* Actual Age
INSURANCE BENEFITS
Waiver of InstallmentsWaiver of InstallmentsIf the Planholder becomes totally or If the Planholder becomes totally or
permanently disabled** permanently disabled** during the payingduring the paying periodperiod and and before the attainment of age 65before the attainment of age 65*, *,
100% of the balance is fully paid.100% of the balance is fully paid.
DisabilityDisability
* Actual Age**Subject to a 6-month observation period; disability claim must be filed within 180 days.
INSURANCE BENEFITS
In case of death or total and permanent In case of death or total and permanent disability** of the planholder disability** of the planholder due to an due to an
accidentaccident during the paying periodduring the paying period and and before before the attainment of age 65the attainment of age 65*, the Planholder or *, the Planholder or his beneficiary will be entitled to an amount his beneficiary will be entitled to an amount
equal to equal to 200% of the Contract Price200% of the Contract Price. .
Accidental Death and DisabilityAccidental Death and Disability
* Actual Age**Subject to a 6-month observation period; disability claim must be filed within 180 days.
INSURANCE BENEFITS
The insurance benefit shall be The insurance benefit shall be equal to the equal to the Plan ValuePlan Value of the of the Memorial Service BenefitMemorial Service Benefit, ,
given to the Beneficiary upon thegiven to the Beneficiary upon thePlanholder’s demise. Planholder’s demise.
Term Life*Term Life*
*The Term Life Insurance coverage will end: (a) at maturity date;(b) when the Planholder reaches age 65; or (c) upon the Planholder’s demise, whichever comes first.
MEMORIALMEMORIALBENEFITSBENEFITS
MEMORIAL BENEFITS
The guaranteed lump sum fund that will be The guaranteed lump sum fund that will be used in rendering the memorial service in used in rendering the memorial service in Heritage ParkHeritage Park
Guaranteed annual increase of 5% of the Guaranteed annual increase of 5% of the Contract Price, one plan anniversary after Contract Price, one plan anniversary after the paying period.the paying period.
Cash Difference BenefitCash Difference Benefit
Guaranteed Memorial Service BenefitGuaranteed Memorial Service Benefit
MEMORIAL BENEFITS
FFamily amily AAssistance ssistance DDept. (FAD) provides assistance ept. (FAD) provides assistance in arranging and administering the details of the in arranging and administering the details of the memorial service through memorial service through Heritage ParkHeritage Park..
Spares the planholder’s family from the Spares the planholder’s family from the harrowing ordeals of attending to funeral harrowing ordeals of attending to funeral arrangements.arrangements.
Professional AdministrationProfessional Administrationof Memorial Servicesof Memorial Services
PhilPlans - Family Assistance Department24/7 (including holidays)
For Metro Manila: 403-5859, 8027344Toll Free: 1-800-10-800-8888
PAMANA ADVANTAGE
The chosen beneficiary of the planholder will The chosen beneficiary of the planholder will be entitled to a fully paid new life planbe entitled to a fully paid new life plan
Planholder may assign this new plan to one Planholder may assign this new plan to one beneficiary only using an Endorsement Letterbeneficiary only using an Endorsement Letter
Fully Paid New Life PlanFully Paid New Life Plan
PAMANA ADVANTAGE
Condition 1:Condition 1:
If Planholder dies before age 65 and chosen If Planholder dies before age 65 and chosen beneficiary is within the acceptance age and beneficiary is within the acceptance age and is in good healthis in good health Beneficiary will avail of the additional Life Beneficiary will avail of the additional Life
Plan*Plan*
Fully Paid New Life PlanFully Paid New Life Plan
*May be a Life plan or any existing Pre-Need product at the time of availment.
PAMANA ADVANTAGE
Condition 2:Condition 2:
If Planholder dies before age 65 and chosen If Planholder dies before age 65 and chosen beneficiary is no longer within the beneficiary is no longer within the acceptance age and/or is not in good healthacceptance age and/or is not in good health Beneficiary will be enrolled in a Pre-Need Beneficiary will be enrolled in a Pre-Need
Plan* without insurance benefitsPlan* without insurance benefits
Fully Paid New Life PlanFully Paid New Life Plan
*May be a Life plan or any existing Pre-Need product at the time of availment.
HERITAGE PARKHERITAGE PARKSERVICESSERVICES
HERITAGE MORTUARY SERVICESSERVICESCREMATION SERVICESCREMATION SERVICES MEMORIAL SERVICESMEMORIAL SERVICES
Pick-up of the deceased from the place of death
Mortuary Services (preparation & embalming)
Casket Urn Cremation Floral Package Chapel Rental (3) Day Viewing Food Package Transporation: Hearse and Flower Car Obituary Publications Permits/Death Certificates Thank You Cards, Registry Book, Event
Management/Venue set-up, etc.
Pick-up of the deceased from the place of death
Mortuary Services (preparation & embalming)
Casket Floral Package Chapel Rental (3) Day Viewing Food Package Transporation: Hearse and Flower Car Obituary Publications Permits/Death Certificates Thank You Cards, Registry Book, Event
Management/Venue set-up, etc.
MEMORIAL PACKAGE RATESMEMORIAL PACKAGE RATES 340,000340,000 550,000550,000 850,000850,000 1,300,0001,300,000 1,500,0001,500,000 1,800,0001,800,000
Pick-up of the deceasedfrom the place of death
Mortuary Services (preparation & embalming)
Casket
Chapel Rental (3) Day Viewing
Transportation:Hearse and Flower Car
Permits/Death Certificates
Thank You Cards, Registry Book, Event Management/Venue set-up, etc
(Registry Book
only)
Obituary Publications X
Floral Package X
Food Package X
Urn X X X
Cremation X X X
HERITAGE PARK
CREMATION PACKAGE RATESCREMATION PACKAGE RATES 265,000265,000 150,000150,000 65,00065,000
Pick-up of the deceased from the place of death
Body Preparation (Imported compounds for embalming)
Use of Imported Sheet Metal Urn
Documentation
Use of Regular Chapels 3 days & 3 nights (40-50 persons)
Funeral Items
Cremation Service
Hearse
Flower Car
Viewing Days Extension and Upgrade to Premiere Chapel
HERITAGE MORTUARY SERVICESSERVICES
PREFERENTIAL RATECUSTOMERCUSTOMER Package PricePackage Price
Price w/Price w/Senior Citizen Senior Citizen
DiscountDiscountDescriptionDescription
w/ Pamana Heritage P 240,000 P 192,000 package same as 340 of the Walk-in
Walk In P 340,000 P 272,000 Regular rate
Walk In P 550,000 P 440,000 Regular rate
Walk In P 850,000 P 680,000 Regular rate
Walk In P 1,300,000 P 1,040,000 Regular rate
Walk In P 1,500,000 P 1,200,000 Regular rate
Walk In P 1,800,000 P 1,440,000 Regular rate
Walk In P60,000 P 45,000 Cremation only
Walk In P 150,000 P 120,000 Direct Cremation w/ wake:Cremation, Urn, 3-day Viewing, No Casket
PREFERENTIAL TREATMENT
Free extension of the Viewing days and upgrade* from Regular Chapel (40 – 50 guests) to Premiere Chapel which can
accommodate up to 150 guests.
(*subject to the availability of the Chapel; reservation on a first come- first served basis)
Wake/Viewing: ChapelsWake/Viewing: Chapels
PREFERENTIAL TREATMENT
Use of exclusive Hearse to transport remains within 20 Kilometer radius from Heritage Park
Mortuary and Crematory to its final resting place anywhere in Metro Manila.
Ceremonial Departure: HearseCeremonial Departure: Hearse
PREFERENTIAL TREATMENT
Free usage of a single truck type vehiclefor carrying the dearly departed's
portrait and floral ornamentsto lead the funeral / burial march
(reservation on a first come-first served basis)
Ceremonial Departure: Flower CarCeremonial Departure: Flower Car
PREFERENTIAL TREATMENT
Free usage of a single chauffer-driven limousine type vehicle for the immediate
family's use during the funeral / burial march
(reservation on a first come- first served basis)
Ceremonial Departure: Family CarCeremonial Departure: Family Car
MINIMUM CONTRACT PRICE
PAMANA PLANPAMANA PLANPAYING PERIOD AMOUNT*
1- Pay PhP 100,0002- Pay PhP 100,0005- Pay PhP 125,000
The Initial Memorial Service Benefit is Equivalent to the Contract Price.
* Amount may be increased by increments of PhP1,000.
PAMANA-HERITAGEPAMANA-HERITAGEAMOUNT*
PhP 250,000PhP 250,000PhP 250,000
OTHEROTHERFEATURESFEATURES
OTHER FEATURES
*A Planholder with insurance benefits will undergo a 1-Year Contestability
ACCEPTANCE AGEACCEPTANCE AGEWITH INSURANCE BENEFIT* NO INSURANCE BENEFIT
18 – 55 years old 18 – 60 years oldIn good health
OTHER FEATURES
Death due to Health Reasons:Death due to Health Reasons: The Insurer conducts an investigation if death occurs The Insurer conducts an investigation if death occurs
within one (1) year from the plan effective datewithin one (1) year from the plan effective date
Provides the Insurer the right to deny claims due to Provides the Insurer the right to deny claims due to concealment of facts on the applicationconcealment of facts on the application
Contestability PeriodContestability Period
*The insurer can no longer contest claims after the plan has remained in force for (1) year except for gross fraud..
Contestability Period
EFFECTIVITY DATE 1 YR FROM EFFECTIVITY DATE
December 31, 2013January 1, 2013 INCONTESTABLEINCONTESTABLE
OTHER FEATURES
Equivalent to the Memorial Service Benefit Equivalent to the Memorial Service Benefit (MSB) with increments(MSB) with increments
It serves as a reward for living wellIt serves as a reward for living well
40th Plan Anniversary40th Plan Anniversary
Optional Living Cash BenefitOptional Living Cash Benefit
*Once the Planholder avails the Living Cash Benefit, the Original Plan Contractwill be surrendered and PhilPlans shall be discharged from any liability or obligation under this contract.
OTHER FEATURES
After the 40th Plan Anniversary, the plan After the 40th Plan Anniversary, the plan will continue to earn interest at a rate to be will continue to earn interest at a rate to be determined by the Company’s Board of determined by the Company’s Board of DirectorsDirectors
May be withdrawn by the planholder any May be withdrawn by the planholder any time upon written request to PhilPlans (in a time upon written request to PhilPlans (in a standard company form)standard company form)
Unclaimed EndowmentUnclaimed Endowment
OTHER FEATURES
Designated beneficiary/ies will receive80% of the Plan Value or 100% of the Plan
Termination Value, whichever is higher, and the insurance benefit (if any) reckoned from
the date of the Planholder’s demise. .
Unrendered ServiceUnrendered Service
OTHER FEATURES
The plan may be assigned to a deceased The plan may be assigned to a deceased person other than the Planholderperson other than the Planholder
The Memorial Service Benefit shall be The Memorial Service Benefit shall be computed based on the Plan’s Termination computed based on the Plan’s Termination ValueValue
AssignabilityAssignability
A Planholder can transfer all rights and A Planholder can transfer all rights and privileges of his plan to another person, privileges of his plan to another person, subject to the following conditions :subject to the following conditions :
Plan must be in forcePlan must be in force Request in writing (Amendment Form)Request in writing (Amendment Form) New Application formNew Application form
*The prospective Planholder will be subject to underwriting requirements and will be treated as a New Planholder.
TransferabilityTransferability
OTHER FEATURES
PREMIUM PAMANA
CREMATION PACKAGEPRICEPRICE
WALK-IN P200,000 + 20% Senior Citizens’ Discount
With PhilPlans Life Plan P150,000 + 20% Senior Citizens’ Discount
PREMIUMPAMANA-HERITAGE
PLANP100,000 only!
Spotcash of P100,000Spotcash of P100,000
Associates can acquire the Plan and/or sell it Associates can acquire the Plan and/or sell it to friends and loved onesto friends and loved ones
No commission BUT with Production Credit No commission BUT with Production Credit for qualifications to Drivesfor qualifications to Drives
PREMIUM PAMANA-HERITAGE PLANPLAN
Pick-up of the deceased from the place of Pick-up of the deceased from the place of deathdeath
Chapel for Mass, 3 days viewingChapel for Mass, 3 days viewing
Cremation with UrnCremation with Urn
PermitsPermits
PREMIUM PAMANA-HERITAGE PLANPLAN
Package Includes:Package Includes:
The Memorial Service Benefit shall be equal The Memorial Service Benefit shall be equal to the 100% of the Plan Valueto the 100% of the Plan Value
The plan may be assigned to a deceased The plan may be assigned to a deceased person up to the second degree of person up to the second degree of consanguinityconsanguinity
AssignabilityAssignability
PREMIUM PAMANA-HERITAGE PLANPLAN
Will be equal to Plan Termination ValueWill be equal to Plan Termination Value
Unrendered ServiceUnrendered Service
PREMIUM PAMANA-HERITAGE PLANPLAN
OTHEROTHERFEATURESFEATURES
When the appointed hour comes,When the appointed hour comes,what would you desirewhat would you desire
for your family?for your family?
You want to spare themYou want to spare themfrom the harrowing ordeals of arrangingfrom the harrowing ordeals of arranging
your memorial service.your memorial service.
What would your familyWhat would your familydesire for you? desire for you?
To give you only To give you only the best memorial servicethe best memorial service
you deserve.you deserve.
THANK YOUTHANK YOU