My visiting card

03/18/10 1
Paradigm shift of the Life Insurance
companies
 Insurance companies allocate Top Management
about 40%-80% of the first year
premium amount for the
Country Head
procurement costs towards the
infrastructural and staff
establishment costs. Regional Manager

 Insurance companies started Zonal Manager

outsourcing to Banks and
corporate agents to sell policies
Area Manager
these days. Paradigm shift….

Divisional Manager
 Insurance co. relies heavily on
channel partners or corporate
agents in this new insurance era. Development officer

Insurance Agents

03/18/10 2
 Reliance Life Insurance follows the Indian Govt.’s
Watch dog, IRDA’s (Insurance Regulatory
Development Authority) rules and regulations.
Reliance Life is in 2nd position now among the

private insurance players in our country.

 Reliance Life has started with 90 branches and has

risen to more than 1150 branches in our country

within a span of 4 years.

Reliance Life Insurance help line:

1. Mr. William Liu, Kolkata – 0 93393 83183
2. Mr. Samuel Brainerd, Vizag - 0 93973 07900
3. Mr. K. Raja Rao, Guntur, AP - 0 91772 88855
4. 30338181 or 1800 300 08181 (toll-free)

03/18/10 3
 Reliance Life Insurance Presents
An Opportunity
For each one of us
To get what we want……

03/18/10 The Road to prosperity starts here ! 4

Reliance Traditional Super Invest
Assure Plan
 What do we market?
 RTSIAP- Endowment Insurance Policy of Reliance Life Insurance

 What is Endowment Insurance Policy?

- Policy provides benefits on the date of maturity if the insured is still
alive on that date or before it if the insured dies during the term of the
policy.

Key points of the Policy

 Non-linked non-profit plan

 Minimum Age at Entry - 30 days

 Maximum Age limit - 60 years

 Policy Term - 15 years – 30 years

 Sum Assured - 7.5 times of annualized premium
 Addition of accumulation rate every year – Rate for FY 2009-10 : 7.5%
per annum

 Loyalty additions of 50% of the annualized premium for the10th policy

year and every 5th policy year thereafter
 Flexibility to increase your savings any time by paying additional
premium
03/18/10 5
Reliance Traditional Super Invest
Assure Plan
Surrender of the Policy:
 1 to 2 years - Surrender not allowed
 3rd year - 80% of the surrender value will be given
 4th year - 90% of the surrender value will be given
 5th year or later - 100% of the surrender value will be given

 Insurance Benefits:
 Life Cover
 Maturity
 Tax Benefit
 - Tax deduction u/s 80C of the Act

 Grace period
 30 days

03/18/10 6
 Life Time Opportunity
[Accresent Way Marketing Pvt. Ltd.]

 Major Break through in Insurance Sector in India

 Brain child of our revolutionary and visionary Champion Mr.Tapas
Debnath, Founder of Accresent way Mktg Pvt. Ltd.

1. You pay your first year premium

2. AWM helps you pay your second and third year renewal premiums.*
3. AWM does not stop there. It would even share with you
unimaginable income if you join its marketing force.
4. Join the “AWM Life” and enjoy the financial freedom and the new
life style……

 * AWM shares its profit with the customer by giving the two
premiums amount if the company growth is at least 3%. If the
growth is 5%, the customer would even receive the amount equal to
three premiums. The customer would receive this amount within a
period of 12 months after purchasing a policy.

03/18/10 7
Income source of AWM

•AWM is the channel partner of

Reliance Life Insurance and gets AWM
40 - 90% from Reliance co. from
the 1st premium as commission.
•AWM shares its 90% profit with
the 100% customers.
LOGISTIC SYSTEM
•AWM shares its profit with all SUPPORT SUPPORT
the customers whether they do
marketing or not. However, the
marketing folks would get
handsome amount of money.
Note : While sharing the profit
with the Marketing people
( D.Os and Agents), 10% of
customer’s income is kept for
the recycling charges for the
future. This is used for the
benefit from second year
03/18/10 8
 AWM LIFE

 Our CMD, Mr.Tapas Debnath’s heartfelt desire is

essentially to help the poverty driven and low income
group people to become financially independent and make
them stable economically.

 Keeping this in mind, AWM Life has become the Corporate

agent of the Reliance Life Insurance and Future Generali
and wants to share its profit with the policy holders.

 Accresent Way Marketing Pvt. Ltd. is the sister concern of

the AWM Life and shares its profit with the policy
investors and the marketing force.

 AWM’s regd. office is at Guwahati and its Corporate Office

is at kaikhali, VIP Road, Kolkata
 Insurance Corporate code : 20282674. IRDA License No.
4456786
 Email [email protected]
 Web Site : www.accresentwayindia.com

03/18/10 9
 AWM Saviour plan Concept
 AWM has got two options for marketing people:
 Traditional marketing ( For those who want to make little money)
 Referral Marketing ( For those who want to make substantial amount of money)

•Traditional marketing: Agent would get approximately at an

about Rs.3000/- per selling one policy whose premium is
Rs.6000/-.

•Referral Marketing: Agent would become Jr.Development

officer and Jr.D.O would become Sr.D.O and so on. The more
you develop the team, the more and more profit share would
be receiving from AWM. One can earn in lakhs of rupees.

•If you want to be part of AWM Parivar, purchase at least 1

unit of the Reliance Life Insurance Endowment policy
package (Rs.6000/-).
03/18/10 10
AWM Saviour plan Concept 2
Marketing is an option but not compulsion here in this
company. This differentiates AWM from any pyramid, binary
or an MLM company in the market.

Every policy holder would become an investor of the

company and get the money returns at minimum 200% rate
within period of 12 months from taking a policy.

Policy holder or the Investor would receive from AWM the

amount varying from Rs.12,000 to Rs.18,000 within 12
months by taking just a Rs.6000/- policy. This is the
marketing strategy of AWM Life.

There is no maximum limit for the premiums. One can take

any number of units but in multiples of Rs.6000/-.

AWM considers Rs.6000/- as one single unit and this is the

minimum investment.
03/18/10 11
 How does AWM Life pay ?

 AWM Life has two wings viz., investors group and marketing
force.

 Investors will only purchase policy and become the asset of the
company.

 Marketing force is the driving force and these people are its
bread and butter earners.

 AWM would pay Rs.40,000/- to the marketing executes for

selling at least two policies in a month. ( Considering 5%
growth of the company. He would get even up to Rs.8 lakh if
the company’s growth is 100%). Growth is considered on the
basis of “closings”.

 The time period of the “closing” varies from 25 days to 60 days

depending upon the achievement of the 100% target growth.

03/18/10 12
 AWM recruiting

System
AWM recruits marketing people through
AWM Promotion Levels
referral system ( as this is the current
trend of the corporate houses these days).
Chief Super. Dev. Officer
 AWM is looking for the Jr. Development
officers (D.Os) and Agents. The eligibility
to become Jr. D.O is just to become a Superintendent Dev. Officer
policy holder.

 The Jr. D.O in turn recruits agents. Chief Development Officer

 In AWM, even Jr. D.Os can sell the policies
in addition to the agents and gets the 1st
level commission income. Head Development Officer

 When the agents sell the policies, the Jr.

D.O also gets the 2nd level commission Sr. Development Officer
income in addition to the 1st level income
given to the agents.
Asst. Development Officer
 The Agents can be promoted even up to
Chief Superintendent D.O in AWM career
growth plan depending upon the
performance level. Jr. Development Officer

Insurance Agent

03/18/10 13
 AWM Career Promotion Incentives
 Jr.D.O (Bronze) – Sells five Policies Directly - Gets promoted to Asst. D.O

 Asst.D.O (Silver) – has five Jr.D.Os under his jurisdiction - Gets promoted to Sr.
D.O - eligible for Royalty of Rs.25/- for each unit in his Departmental sales

 Sr.D.O (Gold) – has five Asst.D.Os under his jurisdiction - Gets promoted to
Head. D.O - eligible for Royalty of Rs.50/- for each unit in his Departmental sales

 Head. D.O (Pearl) – has five Sr.D.Os under his jurisdiction - Gets promoted to
Chief. D.O - eligible for the gift of a Bike

 Chief. D.O (Star) – has five Head.D.Os under his jurisdiction - Gets promoted to
Superintendent. D.O - eligible for the gift of a Maruti Alto

 Superintendent. D.O (Emerald) – has five Chief.D.Os under his jurisdiction - Gets
promoted to Chief Superintendent. D.O - eligible for the gift of a Tata Indica

 Chief Superintendent. D.O (Diamond) – has five Super.D.Os under his jurisdiction
- eligible for the gift of a Hyundai Sonata

03/18/10 14
 AWM Benefits and
Rewards
 Benefits and Rewards if you are marketing:

 A. FOUR types of income:

 1. Basic Income - for all the policy holders
 2. Sponsoring Gift - for Direct sales only - DSI
 3. Jr. D.O’s commission - For Level-1 and Level-2
sales - RI
 4. Agent’s commission - For his direct sales – RRI

 B. Various special rewards and recognition gifts ranging

from Silver coin to Bajaj Platina

 C. Several Career promotion incentives varying from gift

money to Hyundai Sonata

DSI – Direct Sponsoring Income ; RI – Referral Income

RRI – Referral’s Referral Income

03/18/10 15
 Risks &
Rewards
 Is there any risk, if you are only an investor by purchasing
the policy?

 No risk as you are not paying money to AWM. You will have your
life insured through life insurance.

 Are you losing anything?

 Nothing to lose. Money is given to Reliance Life and it is under the
safe custody of watchdog IRDA

 Rewards if you join the marketing force of our company:

 Sell at least two policies within 30 days or 60 days from the time of
your purchasing.
 AWM would share with you the benefit ranging from Rs.40,000 and
even up to Rs.8 lakh depending upon your sales (profits) of the
company. Lot of incentives and rewards are waiting for you.

03/18/10 16
 DECIDE TODAY
Can you take an initiative by investing Rs.6000/- in your own and business?
 Decide today where you want to reach…Sky is the limit [ Four options for YOU ]

A– Get Rs.12,000 to Rs. 18,000 within the period of 12 closings after purchasing the
policy. Become a policy holder and stays as investor only. No marketing.

B- Get minimum of Rs. 40,000 or more. Even up to 4 Lac within period of 15 closings
depending upon the company’s growth. Become a policy holder and sell policies to at
least two people within 60 days from the time of purchasing your policy.

C- Get minimum of Rs. 40,000 or more. Even up to 8 Lac within period 15 closings
depending upon the company’s growth. Become a policy holder and sell policies to at
least two people within 30 days from the time of purchasing your policy.

D – AS YOU WISH – UNLIMITED. Sell as many policies as possible.

Note: 5% company (AWM) growth is considered for minimum amount and 100% growth is considered for the
maximum benefit. Growth is from one closing to another closing.

03/18/10 17
Get into Marketing - How much a Jr. D.O
can earn?
Jr. D.O.
1. Jr. D.O. directly sells the policies to
the agents M,N,O and P. These are
direct sales.
M N O P
2. The agent “M” gets promoted to
Jr.D.O. over a period of time and
sells the policies to X,Y and Z Y Z
X
further.
3. This can not work like a chain
AWM wouldor
system give the benefit
a binary systemtoor
Jr.D.O.
a MLMas follows:
system
• Basic or a pyramid
income system.
- Starting with Rs.100 from 2nd closing.
• Direct Sponsoring gift income – Rs. 1600 ( Rs.400 each for
selling to M,N, O and P) - one time gift cheque.
• Jr. D.O’s level-1 commission – 25% of income from Level-1
sales as long as the Basic income for M,N,O and P would
continue.
• Jr. D.O’s level-2 commission – 25% of income from Level-2
sales as long as the Basic income for X,Y and Z would
continue.
03/18/10 18
 Growth Distribution Table details
 Check the reliability of the company after 2nd closing . You would get the
cheques from the 3rd closing onwards as the processing and issuing of
the policy docket from Reliance Life Insurance need about 60 days time.

 Please refer our “growth distribution table” given in the next slide.

 The table shows the “money back plan” for three different premiums viz.,
Rs.6000/- ( 1 unit), Rs. 24,000/- ( 4 units) and Rs.30,000/- ( 5 units).

 Each unit has two columns and the first one shows your Basic income and
the second one shows your commission amount.

 Rs.400/- at the top in the second column is the one time gift amount for
direct sponsoring.
 The amount in the second column is the 25% commission income which
comes from Level-1 and Level-2 sales.

 The amount you see in the Table columns will be issued in the form of
cheques and will be issued after each and every closing.

03/18/10 19
03/18/10 20
03/18/10 21
 ACHIEVE as YOU WISH – SMART way
•Specific
•Measurabl
e
•Achievable
•Realistic
•Time
•Spend your qualitative and effective time of only 2 hours every day
bound
with 100% concentration
•Study and assimilate the business concept for the first 7 days
• Look for 30 to 40 HR (50 units) within 21 days
• Look for 100 to 140 HR (200 units) with next 21 days
• With 250 HR ( 250 units) within 50 days time, the bonus will be :
250 X 8 lakhs x ¼ = 500 lakhs or 5 crores will be your income
within a period of 2 years if the company grows at 100%. ( Can you
believe this ? )
Note: 8 lakh is considered assuming every one is selling at least two policies
within first 30 days. If not, the amount would vary as per sales. You can
make at least 25 lakhs even if the company grows at an average rate of 5%.
03/18/10 22
AWM Golden Career growth plan –
salary system
 Sr. Development Officer -> Gold level 1 -> Rs.1200 per month

 Head Development Officer -> Gold level 2-> Rs.4000 per month

 Chief Development Officer -> Gold level 3-> Rs.12,000 per month

 Superintendent Dev. Officer ->Gold level 4 -> Rs.30,000 per month

 Chief Super. Dev. Officer ->Gold level 5->Rs. 50,000 per month

 Class-I Chief Super. Dev. Officer ->Gold level 6-> Rs. 75,000 per month

 Class-II Chief Super. Dev. Officer ->Gold level 7-> Rs.1,00,000 per
month

Note : The monthly packages are revised and fixed at every 6 months
interval.

03/18/10 23
See and Believe
•AWM has been registering the consistent and satisfactory growth record
since its inception.
•Copy of my cheque received in last November after having taken the Reliance Life
insurance policy in the month of Feb ’09.

03/18/10 24
See and Believe

2
I am referred by Mrs.Pankaja George and the copy of her cheque received in
last november is given below:

03/18/10 25
See and Believe
3
Copy of the Cheque of Mrs. Mukherjee (who introduced AWM
to Mrs. Pankaja George) received in the month of Feb ’10 :

03/18/10 26
See and Believe
4
Copy of my Cheque received in the month of Feb ‘10

03/18/10 27
Transparency in the Commission payments – Login
facility for the customers

Login to web Site : www.accresentwayindia.com

L
ogin

User id

Password

03/18/10 28