M.A. DORAI MBA, LUTCF(USA),CLPM, A.NAMLIFA (Malaysia) Group Sales Manager.

IF YOU FAIL TO PLAN, YOU ARE PLANNING TO FAIL.

The importance of a sound financial plan

100 young men aged 25 today will find themselves in one of the following positions at retirement age.
63 BROKE OR DEPENDENT ON OTHERS 1 WEALTHY

5 STILL WORKING

4 FINANCIALY INDEPENDENT

27 WILL BE DEAD You Are One, And The Only One, Who Can Make A Difference.

SUCCESSFUL PEOPLE ARE ORDINARY PEOPLE WHO DO ORDINARY THINGS EXTRA-ORDINARILY WELL.

BE CAREFULL OF WHAT YOU REALLY WANT, BECAUSE YOU ARE LIKELY TO GET IT

In the long run you hit, Only what you aim at Therefore, though you should fail Henry David Thoreau immediately, You had better aim

THREE MOST IMPORTANT CRITERIA

BE SPECIFIC want? TIME FRAME What you really Deadline

SET NO LIMITS On your ability Take a chance, life is a chance, The man who goes furth Is generally the one who is willing

Expressed in a continuous action

Broken down into accomplishable steps Helps to measure your progress

THE WORLD HAS LOTS OF STARTERS, BUT

Why Goals Must Be Written Down

YOU MAY FORGET YOUR FIRST COMMITMENT TO DO IT MAKES YOU ACCOUNTABLE

Three Significant Statements:

a. I am Special b. I can Make a Difference c. I must Fulfill my

Live life on purpose.

In 2004, a man died in New York at the age of 63, without having worked one day in his life.

A ship in harbor is safe; but thats not what ships are for! (John Shedd)

~ Houses are build for living ~ Planes are build for flying

~ Man too designed for purpose, accomplishment, engineered for success, and endowed with seeds of greatness.

J.C.Penne Department store magna

The pleasure that you ge in your life, is equal to the Attitude that you put in.

Only 10% of ANY Iceberg Is visible. The remaining 90% is below Sea Level

Let each letter of the alphabetic has a value equals to it sequence of the alphabetical order.

S 19 K 11 H 8 A 1

K 11 N 14 A 1 T 20

I 9 O 15 R 18 T 20

L 12 W 23 D 4 I 9

L 12 L 12

S 19 E 5 W 23 D 4 O 15 D 4 G 7 R 18 E 5 E 5 K 11

82

96

98

T 20

U 21

= 100

WAS IT THE PERSONALITY OR CHARACTER OF THE ICEBURG THAT SANK THE TITANIC

PERSONALITY

CHARACTER

Whatever feelings you have within you are attracting your tomorrow. Worry attracts more worry. Anxiety attracts more anxiety. Unhappiness attracts more unhappiness. Dissatisfaction attracts more dissatisfaction. AND Joy attracts more joy. Happiness attracts more happiness. Peace attracts more peace. Gratitude attracts more gratitude. Kindness attracts more kindness. Love attracts more love.

*** Committed Agents *** Compliance Agents

Three Significant Statements:

a. I am Special b. I can Make a Difference c. I must Fulfill my

IA M T O T A L L YC O M M I T T E DT OT H EG O A L S . IW I L LS T R I V E U N T I LT H E L A S TM O M E N TT OR E A C H M YG O A L S P L E D G E DF O R T H E Y E A R

P R E M IU MR M __________________________

W IT H___________ P O L IC IE S

G R O U PG O A L:R M____________ W IT H_____________ P O L IC IE SW IT H___________ A G E N T S

W IT N E S S E DB Y: S IG N A T U R E: ______________ N A M E : ______________ A C CN O : ______________ D A T E : ______________ ________________________ M .A .D O R A I G R O U PS A L E SM A N A G E R 1 s tJa n u a ry2 0 1 1

B U I L D I N G M Y M A S T E R D R E A M L I S T
S H O R T -T E R M G O A L S ( 2 0 1 1 ) 1 2 3 4 5 R I N G G I T V A L U E D E A D L I N E ( 2 0 1 1 )

L O N G -T E R M G O A L S ( 2 0 1 1 -2 0 1 5 ) 1 2 3 4 5 G o a l s t o c o v e r t h e f o l l o w i n g a r e a s P r o m o t i o n ,I n c o m e ,A w a r d s ,R e c o g n i t i o n ,O v e r s e a t r i p s ,H o u s e ,S a l e s a c t i v i t y ,K n o w l e d g e , S t u d y ,C a r ,B u i l d i n g ,S e l l i n g s k i l l s ,H a b i t s ,T i m e ,H e a l t h ,F a m i l y ,S p i r i t u a l ,e t c :

W i t n e s s e d b y : S i g n a t u r e N a m e A C C N o D a t e : : : : . M .A . D o r a i D a t e :_ _ _ _ _ _ _ _ _ _ _ _ _ _

S E L F-A N A L Y S I S
1 .G i v e 5 r e a s o n s t h a t h e l p e d y o u t o a c h i e v e t h i s l e v e lo fs u c c e s s .
a . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ b . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ c . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ d . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ e . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1 .G i v e 5 r e a s o n s t h a t s t o p p e d y o u f r o m a c h i e v i n g t h e g o a lt h a t y o u s o d e s i r e d .
a . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ b . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ c . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ d . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ e . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

M Y M O N T H L Y C O M M I T M E N T S
R M F I X E D E X P E N S E S H o u s e i n s t a l l m e n t s H o u s e r e n t C a ri n s t a l l m e n t s E l e c t r i c i t y ,t e l e p h o n e & w a t e r G e n e r a li n s u r a n c e C a rm a i n t e n a n c e & p e t r o l R o a d t a x & i n s u r a n c e O t h e r s P r o v i s i o n & m a r k e t i n g C h i l d r e n e d u c a t i o n & t u i t i o n H o l i d a y & t r a v e l s M e d i c a l,h o s p i t a l& d e n t a l E n t e r t a i n m e n t P r o p e r t y t a x e s F e s t i v a lc e l e b r a t i o n s O t h e r s T e l e p h o n e c h a r g e s S t a t i o n a r y & d i a r i e s T r a i n i n g s & s e m i n a r s T r a v e l& a u t o e x p e n s e s C l e r i c a l& o f f i c e e x p e n s e s C r e d i tc a r d s E n t e r t a i n m e n t G i f t s & d o n a t i o n I n c o m e t a x O t h e r s

F A M I L Y / L I V I N G E X P E N S E S

B U S I N E S S E X P E N S E S

S A V IN G S& A CCUMUL A T ION S

Life Ins uranceS S avings AccountS Debt ReductionS Children EducationS Others Notebook / Computer Car Hous e TV Life ins urance S avings / Inves tments

T H ISYE A R 'S COMMIT ME N T

TOTAL MONTHLY NEE D TOTAL YE AR LY NE ED

R M R M

T O T A L Y E A R L Y N E E D L e s s :

R M

S a l a r y /O t h e rf i x e d i n c o m e R e n e w a lc o m m i s s i o n se x p e c t e d

F I R S T Y E A R C O M M I S S I O N R E Q U I R E D

R M

I n o r d e rt o m e e tt h ea b o v eF Y c o m m i s s i o n @ 3 5 % N e w B u s i n e s ss a l e sr e q u i r e d R M _ _ _ _ _ _ _ _ _ _ _ F Y L Pw i t h _ _ _ _ _ _ _ _ P o l i c i e s . A d d :1 s t y e a rR e n e w a l s ( S p i l lo v e r )R M _ _ _ _ _ _ _ _ _ _ _ _F Y L P

G O A L F O R T H E Y E A R 2 0 1 1 R M _ _ _ _ _ _ _ _ _ _ F Y L P _ _ _ _ _ _ _ _ P o l i c i e s

G O A L

f o rA n n u a l i z e d p r e m i u m p e rc a s e R M _ _ _ _ _ _ _ _

G O A L F O R P E R S I S T E N C Y R A T I O % _ _ _ _ _ _ _ _ _ A T A L L T I M E S

W i t n e s s e d b y : S i g n a t u r e: N a m e : A c c N o : D a t e :

M .A .D o r a i G r o u p S a l e s M a n a g e r D a t e : _ _ _ _ _ _ _ _ _ _ _

F Y L P IG O A L M y F Y L P IG o a lF o r 2 0 1 1 N o .o fc a s e s f o r t h e y e a r A n n u a l i z e P r e m i u m p e r c a s e M O N T H L Y G O A L M y m o n t h l y a n n u a l i z e p r e m i u m M y m o n t h l y N o .o fc a s e s F I R S T Q U A R T E R G O A L ( F Y L P I ) J a n u a r y2 0 1 1 : F Y L P I F e b r u a r y 2 0 1 1 : F Y L P I M a r c h 2 0 1 1 : F Y L P I

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

B .

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

C .

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ T o t a lR M _ _ _ _ _ _ _ _ _ _ _ _ _ _

D .

2 N D Q U A R T E R G O A L ( F Y L P I ) A p r i l2 0 1 1 : F Y L P I M a y 2 0 1 1 : F Y L P I J u n e 2 0 1 1 : F Y L P I

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ T o t a lR M _ _ _ _ _ _ _ _ _ _ _ _ _ _

E .

3 R D Q U A R T E R G O A L ( F Y L P I ) J u l y 2 0 1 1 : F Y L P I A u g u s t 2 0 1 1 : F Y L P I S e p t . 2 0 1 1 : F Y L P I

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ T o t a lR M _ _ _ _ _ _ _ _ _ _ _ _ _ _

F .

4 T H Q U A R T E R G O A L ( F Y L P I ) O c t .2 0 1 1 : F Y L P I N o v .2 0 1 1 : F Y L P I D e c .2 0 1 1 : F Y L P I

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ T o t a lR M _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

G .

P E R S I S T E N C Y R A T I O A T A L L T I M E S

_ _ _ _ _ _ _ _ _ _ _ _ _

M.A .DORA I & A SSOCIA TE S

P L A N N I N G A N D G O A L A C H I E V ER 'S SE M I N A

B ran ch :_ _ _ _ _ _ _ _ _ _ _ _ _ N am e :_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ A /C N o: _ _ _ _ _ _ _ _ _ _ _ _ _ R an k : C A / A gen t P art/ Fu ll T im e : _ _

D i a g n o si s o f P e r f o r m a n c e f o r t h e y e a

G oa ls Ja n Feb M a r A pr M a y June July A ug Sept O ct N ov D ec Tota l ANP FY L P I P ersistency N o of C a ses FY L P I / C a se *A ctive Ra tio *A ct iv e R a t io =F u ll Tim e, N o. of C a ses x *A %ctiv e R a tio = P a r t T im e, 4 8 N o of

G o a l Se t t in g f o r t h e Y

G o a l sJ a n F e bM a rA p rM a y Ju n e J u l yA u gSe p tO c tN o vD e cT o t a ANP FYLPI P e r si st e n c y N o o f C a se s F Y L P I / C a se *A ctiv e R a tio * A c t i v e R a t i o =F u l l T i m e , 8 *N Ao c t. i o v fe CR aa stei s o x= % P a r t T im 4

Three Significant Statements:

a. I am Special b. I can Make a Difference c. I must Fulfill my

If you want t soar wit

EAGLES

Stop running with TURKEYS

Small comfort zone is small income. Make your comfort zone big, you will make more income.

cessful people do what ordinary people wont When rich is minority why do you follow majority.
Change! Change! Change!

t difficult face of life hen no one understan en you derstand yourself

Entrepreneur Agent Labourer

CREATE A TIME FRAME FOR YOUR DREAMS AND VISIONS..

WHERE IS YOUR TIME GOING?.................
By : K. HARIDAS SR. GROUP SALES MANAGER

BEWARE OF TIME WASTERS..

BREAK OUT !!!!

7.30 am 8.00 am 8.30am 9.00am 9.30am 10.00am 10.30am 11.00am 11.30am 12.00pm 12.30pm 1.00pm 1.30pm 2.00pm 2.30pm 3.00pm

Check, where is your time going ? 7.00 am :------------------3.30pm :------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------4.00 pm 4.30 pm 5.00 pm 5.30pm 6.00pm 6.30pm 7.00pm 7.30pm 8.00pm 8.30pm 9.00pm 9.30pm 10.00pm 10.30pm 11.00pm 11.30pm :------------------:------------------:------------------:------------------:------------------:------------------:------------------------------------:------------------:------------------:------------------:------------------:------------------:------------------:------------------:-------------------

Three Significant Statements:

a. I am Special b. I can Make a Difference c. I must Fulfill my

down 100 names in my prospecting guid

e there are 100 names at all times.

he profile & qualify the suspect.

er the qualified suspect to Horizon Beyo

see the qualified prospect in the Horizon

sure you follow the 20 points system.

sure you follow your formulae (9386)

Pay the Price for SUCCESS

Cultivate Good working habit -9386 20 Point System. My Horizon Beyond. One new face a day for

Activity Makes The Difference

Daily Goal 20 POINTS - A - DAY
AGENT WEEK
A C T IV IT Y

: _____________ : _____________

GSM USM

: _____________ : _____________

M O N D A Y T U E S D A Y W E D N E S D ATYH U R S D A Y F R I D A Y SATURD AY SUND AY A c t u a lP o i n t sA c t u a lP o i n t sA c t u a lP o i n t sA c t u a lP o i n t sA c t u a lP o i n t sA c t u a lP o i n t sA c t u a lP o i n t s

R effer ed L ead s ( 1 po in t e a ch ) A ppro aches ( 1 po in t e a ch ) A pp o in tm en ts ( 2 po in ts e ach ) C lo sin g In terv iew s ( 4 po in t e a ch ) S ales ( 5 po in ts e ach ) T O T A L PO IN T S N u m ber o s S ales ( FYLPI )

DAILY GOAL

SYSTEM
* Gives you the track to run on. * makes you perfect. * makes you effective. * makes you productive. * makes you professional.

Be a Professional : a.Is good. And knows it .

No good must know you are not good. b.Keep on getting better, When green you grow when ripe you rut. c.Critiques on own performance

Be like a postage stamp, Stick one

Josh Billings

Have a strategic plan to win

ADD NEW NAMES CONSTANTLY

CATEGORISE THEM :

300 NAMES 15 APPOINTMENTS 15 APPOINTMENTS 15 APPOINTMENTS

TARGET RM 100,000 FYLPI TOTAL CASE NOC NO OF PROSPECT PREMIUM

SIZE RM5,00 0 RM3,00 0 RM2,00 0 RM1,50 0 RM1,20 0 3 5 10 10 30 15 PROSPECTS WHO ARE THEY? 25 PROSPECTS WHO ARE THEY? 50 PROSPECTS WHO ARE THEY? 50 PROSPECTS WHO ARE THEY? 150 PROSPECTS WHO ARE THEY? RM15,000 RM15,000 RM20,000 RM15,000 RM36,000

RM TOTA 290 58 101,000 L PROSPECTS The full use of today is the BEST preparation for

J AN FEB MAC APR MAY J UN J UL AUG SEPT OCT NOV DEC

150 150 150 150 150 150 150 150 150 150 150 150

X X X X X X X X X X X X

12 11 10 9 8 7 6 5 4 3 2 2

X X X X X X X X X X X X

10 10 10 10 10 10 10 10 10 10 10 10

= = = = = = = = = = = =

18,000.00 16,500.00 15,000.00 13,500.00 12,000.00 10,500.00 9,000.00 7,500.00 6,000.00 4,500.00 3,000.00 3,000.00 120,000.00

In prospecting must ask for

Select 10 Best clients and ask for 3 referrals from each.

Monthly ~ 10 x 3 Prospects 50% closed FYLP per case RM1800.00 Monthly FYLP RM27,000.00 = = 30

15 Clients = =

FINANCIAL PLANNING CONCEPT.

Mr. John, what is your most important Financial Asset ?

If you go outstation for 5 day, How much would you like to leave for your family?

If you go out for travelling for 10 days How much would you like to leave for your family?

RM500

RM 1000

If you travel round the world for 100 days How much would you like to leave for your family?

If you travel round the world for 1000 days How much would you like to leave for your family?

RM10,000

RM100,000

NAME : AGE : SEX : SMOKER:

MR.STEVEN 30 YRS MALE NO

PLAN
SMART PROTECT ESSENTIAL 2 36 CIBR

SUM ASSURED

PREMIUM (RM)

200,000.00

5000.00
100,000.00

SMART MEDIC

R&B

MAYBANK

GREAT EASTERN

----------------------------------------------------------------------------------------RM 10,000 (RM 5000) RM 5,000 RM 10,000 RM 10,000 (RM 5000) (RM 5000) RM 5,000 RM 5,000 CIBR S.A RM 100,000

RM 30,000 + Interest

W P P
Objectives a) Retirement b) Children Education c) Others

Comes into action

Objectives Fulfilled

In Conclusion :1)Your Medical Bills taken care (smart medic) 2) You receive RM100K CIBR Benefit. 3) Your Protection Remains at RM 100K 4) Your Investment Continue ~ (IL-WPP) 5) Your objectives fulfilled. Mr. Prospect, please tell me now, where would you like to save your money?

edical Insurance is like a parachute

When you need it and dont have it,

FINANCIAL PLANNING SURVEY

Do you have a systematic and compulsory way of saving programme ? YES NO

Would you want to accumulate RM1million in your bank account one day ? YES NO Do you have specific investment programme now ? YES NO If I can show you a plan that can save, accumulate, invest and at the same time, provide protection against financial loss, would you be interested ? YES NO If there is one thing that will interest you concerning your future financial planning, what would it be ? _______________________ Can you save RM___________ per day ?

YOUR PROFILE Name : ________________ Date of Birth : __________ Occupation : ____________ Address : ____________________________________ Tel : ___________________

For MS.KRISHA 100K

Parent

32 1 1

Y/Inv. RM 23,003 x 10yrs

42 10

Y/Inv. RM 11,501.50 x 5yrs

150K

47 15 15

52 20 20
RM 8250 X 20yrs = RM 165,000

Child Year

T/Inv.RM 287,535

70 70
MATURITY RM 1,489,537

RM 4,250 X 10yrs = RM 42,500 RM 20,750 X 5yrs = RM 103750

RM 11,250 X 5yrs = RM 56,250

Total Cash Received RM 1,857,037

TOTAL MATURITY (If no withdrawal) RM6,469,110

For MS.KRISHA
Parent

32 1 1

100K Y/Inv.

RM 23,003 x 10yrs

42 10

Y/Inv. RM 11,501.50 x 5yrs

47

150K

52 25 30 35
RM 1,110,094
(815K)

70 70

Child Year

T/Inv.RM 286,912.5

(70K)

15 15

20 20

RM 382,430
(194K)

RM 655,989
(437K)

RM 502,228
(306K)

RM 854,266
(603K)

MATURITY RM 6,459,867

Guaranteed short Term investment, long term gain. It is a 3 generation plan. Make your dreams come true. Create wealth and makes you a millionaire. Accumulated wealth and increase your protection.. Suitable for education planning. An investment with guaranteed returns.. Also suitable for a comfortable and dignified retirement planning. Helps to move yourself to higher market.

SALES
10%

20%

PRESENTATION

30%

FACT FINDING BUILDING RELATIONSHIP

40%

AGENTS FAIL NOT BECAUSE OF THE SALES THEY FAILED TO CLOSE, BUT BECAUSE OF THE PEOPLE THEY FAILED TO SEE

Selling is the easiest job in the world if you work hard but the hardest job in the world if you try to work easy. You know, a good doctor doesnt treat the effects. He treats the cause. So lets get right down to the bottom of this proposition of selling:-

cant cant cant cant

collect your commission until you make the sa make the sale until you write the order. write the order until you have an interview. have an interview until you make the call!

This is the whole thing in a nutshell. This is the whole foundation of this business of selling

Calls!Calls!Calls!

By Frank Bettger

WHY MUST CONTINUOSLY RECRUIT?

For Promotion. For Maintenance. Subordinate take away agents when he gets promoted. Agents get terminated. Agents resigned for better career. Agents not active.

Agent : Hey! Mr. John, have you thought of having own career / business? Mr. John: It requires lot of money. I dont have that amount of money. Agent: Mr. John, if I could show you a career or business that dont need capital / money, yet you

Never try to do it alone in recruiting, make recruiting everyones business in the agency. A growing and a strong team builds the name and reputation that helps every agent in the agency. M.A.Dorai

Three Significant Statements:

a. I am Special b. I can Make a Difference c. I must Fulfill my

HAVE BIG DREAMS WHEN MAKING CHANGES:

NEVER LOOSE SIGHT OF YOUR DREAMS DONT ALLOW TEMPERORY SETBACKS DESTROY YOUR DREAMS WHEN EVER YOU ARE DOWN ASK YOURSELF...HOW IMPORTANT IS IT TO ME THAT I ATTAIN MY DREAMS?
DISAPPOINTMENTS, FAILURE AND FRUSTRATION NEVER ENDS

 G ..... : , F, I M

I M

Dato AK Nathan

es ppointments rations. me strong & powerful.

" , .... .... I ."

Our business in life is not to get ahead of others, but to get ahead of ourselves- to break our own records, to do our work with more force than ever before

Stewart B. Johnson
By : K. HARIDAS SR. GROUP SALES MANAGER

ARE YOU IN THE BUSINESS WITH A SERIOUS MIND ?

Have a Strong Determination & Desire To win.

Take total responsibility Will not waste time. Change of behavior. Be Honest. Never give up.

NEVER EVER GIVE UP!

WHO CAN STOP YOU FROM ACHIEVING YOUR GOALS ?

A STRATEGIC PLAN TO ACHIEVE THE GOALS AND DREAMS

Earning RM100,000 a year is just as easy as RM 15,000. When you know HOW !

TEAM WORK In a Team, Be a Player !

Must play in all

Go for more for the

Better is the man who does something to touch others than a nice man who does nothing
By Khalil Ghibren

Life Insurance is an Opportunity

ake the kind of money that you wish to m

njoy the kind of life style that you wish to

but not LEAST ~ a wonderful opportunity uch peoples Life .. ouch nge peoples life.. roviding Financial Security.

Three Significant Statements:

a. I am Special b. I can Make a Difference c. I must Fulfill my

Dedicate Your Success To Your Loved Ones !

 , F . , . a , . M O , F . , G .

M , M . , . , .

FJ C A , Q ...

, .

Thank You h You All The Be

M.A.DORAI, MBA,LUTCF(USA),CLPM, Group Sales Manager.

VISION GOALS DREAMS

IMPOSSIBLE DREAM
BURNING DESIRE UNCOMPROMISING ATTITUDE

How Would You Want Your $ 1,000,000?

$ 25,000 x 40 years = $ 1,000,000 $ 50,000 x 20 years = $ 1,000,000 $ 100,000 x 10 years = $ 1,000,000 Question: Are they all the same $1,000,000? $ 200,000 x 5 years = $

FAILURE IS THE STEPPING STONE TO SUCCESS

Hello, Mr.Ram please! Speaking. Mr.Ram, is this a convenient time to talk to you? Oh, sure. Mr.Ram, did you receive the SMS that I send to you yesterday regarding a Pension Plan for retirement. Prospect : Yes! Agent : Thank you Mr.Ram, the purpose of my call is to tell you that this unique service has been of great interest and value to other successful people like you. Can I see you on Sunday at 11.00a.m. or afternoon 3.00p.m. would be better to discuss in detail. : Thank you Mr.Ram. I will see you on Sunday at 11.00a.m.

Agent : Prospect : Agent : Prospect : Agent :

Prospect : Emm. Sunday 11.00a.m would be better. Agent

" Q FJ F AF, H F AA ". A,

K, JJ P A... J, A A...

Specific Measura ble Attainab le Relevant Time

Who can stop you from becoming

 Attitude not Aptitude, that determines your Altitude in life.. A positive thought is the seeds of positive results The most significant change in a persons life, is a change of attitude. Right attitudes produce Sooner or later, those who win are right actions. those who think they can.

 Our life is the reflection of our attitude. Either I will find a way or I will make one. The positive thinker sees the invisible, feels the intangible and achieves the impossible. Whether a glass is half-full or halfempty, depends on the attitude of the person looking

Women to Remember

Laleh Bijani & Laden Bijani

 Keep your eyes

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Life is Great

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Life is Great

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Life is Great

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Life is Great

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Life is Great

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Activity Makes The Difference

Daily Goal 20 POINTS - A - DAY
AGENT : _____________ GSM : _____________ WEEK OF A C T IV IT Y M O N: D _____________ A Y T U E S D A YW E D N E S D A TY H U R USM S D A Y F R I:D_____________ AY SATURD AYSUND A
R effered L ead s ( 1 p o in t e a ch ) A pproaches ( 1 p o in t e a ch ) A ppoin tm en ts ( 2 po in ts e a ch ) C lo sin g In terv iew s ( 4 p o in t e a ch ) Sales ( 5 po in ts e a ch ) T O T A L P O IN T S N u m ber o f S ales ( FYLPI )

A c t u a Pl o i n t sA c t u a Pl o i n t sA c t u a Pl o i n t sA c t u a Pl o i n t sA c t u a Pl o i n t sA c t u a Pl o i n t sA c t u a Pl o i n

Sincere Enthusiastic Responsible Involvement Objective Uncompromising Self Driven

FORMULATE YOUR OWN STRATEGIC PLAN TO WIN

ARE YOU ON TRACK NOW?

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Life is Great

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The Career Path

Group Sales Manager
Unit Sales Manager

Career Agent

Life is

Agent

Maslows Hierarchy of needs

THE HIERARCHY OF NEEDS AS RELATED TO FINANCES

Self Actualization Self-fulfillment, realizing personal potential, Higher risk acceptance to increase net worth, Self-management or money Esteem Self-worth, recognition, Respect , Capital growth, Above average return on investment. Affiliation love., affection, friendship, belonging, Investment of safety of principle. Security Safety, Stability, health, Protection of income from disability, Death, accumulation for retirement Physiological od, Shelter, clothing, protection of property and basic survival level incom

The same door leads to the same results

IF YOU WANT DIFFERENT RESULTS YOU HAVE TO OPEN DIFFERENT DOORS!!!!!!!
By : K. HARIDAS SR. GROUP SALES MANAGER