Benefits of Rider Features by https://padlet.com/minnaminaj/alt0n6ucnbj1f216 Using the FAB Framework, please list the benefits of the different rider features. Indicate the type of rider in the subject line and remember to include your name with your answers. en-us 2024-10-01 07:53:38 UTC 2025-03-05 04:06:47 UTC hello@padlet.com https://padlet.net/icons/8.0/png/1f4a1.png Disability Rider - Alminna https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351641003 Lump sum cash benefit due to injury or disease - WIIFM

ATPD - WIIFM

NTPD - WIIFM

]]> 2025-03-05 01:51:28 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351641003 Disability Riders - Faith https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351642642 Lump sum cash benefit due to injury or disease: Client will no longer have to look for money to cover for the medical expenses caused by accident.

]]> 2025-03-05 01:52:02 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351642642 Disability Riders-Gee https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351643296 Lump sum cash benefit due to injury or disease - You will have cash to pay for your medical care and replacement income during the time you cannot work anymore.


ATPD - More affordable living benefit. You can use a part of your sum assured while you are still alive.


NTPD - Your pamana for your family will still be the same.

]]> 2025-03-05 01:52:30 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351643296 Disability Rider - Mina https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351644297 Lump sum cash benefit due to injury or disease

- client can use the amount for medication, to continue the lifestyle and put up business for passive income since the client cannot go back to work.


ATPD: advances the sum assured

- may use to continue the lifestyle of family.


NTPD: keeps the sum assured intact

- the sum assured may use as client legacy for the family in case TPD got worse.

]]> 2025-03-05 01:53:13 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351644297 Disability Rider-Alvin https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351645716 The lump sum amount will help client for treatment /theraphy and they can also used to put up a small business as a source of income.



]]> 2025-03-05 01:53:44 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351645716 Disability Rider - Liza https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351672803 Lump sum cash benefit due to injury - client can use this for medication, therapy and no longer need to look for money.


ATPD - living benefits that can be use for continous bills


NTPD - no deduction on SA which can be use for family inheritance

]]> 2025-03-05 02:08:56 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351672803 VL Rider - Gee https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351688007 You may have access to PRUlife UK managed funds and a chance for capital appreciation.

]]> 2025-03-05 02:18:06 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351688007 VL Rider - Faith https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351688046 It gives an additional option for clients who wants to grow their money.

]]> 2025-03-05 02:18:06 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351688046 VL Rider-Alvin https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351689334 Client will have additional benefits that will use in the future and emergencies.

]]> 2025-03-05 02:18:58 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351689334 VL Rider - Mina https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351689435 this is good for conservative client to start up to invest with a lower amount but still with protection.

]]> 2025-03-05 02:19:02 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351689435 VL RIDER -NELGIE https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351690138 This is beneficial for those clients that are willing to try something new in investments even though it's not guaranteed but since we have the best fund manager this will give them additional income because their money will grow aside from having existing protection.

]]> 2025-03-05 02:19:30 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351690138 VL Rider - Liza https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351706903 Even with trad plans, you have access on PRU life funds and still have potential to grow your money overtime

]]> 2025-03-05 02:29:26 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351706903 Waiver Rider - Faith https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351727189 It gives assurance and peace of mind to the insured knowing that his policy continues and premiums are waived when he is diagnosed with CI or TPD.


He can focus on recovering from his illness and disability.

]]> 2025-03-05 02:42:43 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351727189 Waiver Rider - Mina https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351727723

Life Care Waiver - great help that client can focus on recovering w/o thinking the payment of premium.


WPTPD - same thing can focus on recovering up to time you may recover.


Payor Waiver - help the juvenile still be protected even with untimely death of parents.

]]> 2025-03-05 02:43:05 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351727723 Waiver Rider-Gee https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351728962 Life Care Waiver - Once diagnosed with critical illness (1/36), you do not need to worry about the premium payment of your policy up to age 70, but you are continuously covered. Your fund value will still grow since the company will be the one to pay for you.


WPTPD - You do not need to worry about your premium payment. You may focus on your recovery.

]]> 2025-03-05 02:43:56 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351728962 Waiver Rider - Liza https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351730188 LCW - Waive all your future premiums and still have potential earnings in funds. Focus on recovery without financial stress


WTPD - Focus on recovery, waive all your future premiums and still have potential earnings in funds. Policy is still in force


Payor Waiver - Can serve as inheritance to your loved ones, ensuring that plan will still in force for your beneficiaries


]]> 2025-03-05 02:44:50 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351730188 Waiver Rider-Alvin https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351732950

Will waive all premium until 60 years old


Client will focus on recovering because PRU will cover all payments.







]]> 2025-03-05 02:46:36 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351732950 PA RIDER - Faith https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351769544 Murder and Assault - It gives additional coverage to the insured in case unfortunate events such as murder and assault happens. We never know when this happens so it gives security to the client in times like these, especially if they are living in areas that are prone to crimes.

]]> 2025-03-05 03:08:54 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351769544 Personal Accident-Gee https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351771190 PA-Murder and Assault - In case of murder and assault, you have additional coverage to use for you medical care.


PA - Accidental Medical Reimbursement - Incase of hospitalization or medical expenses due to an accident, you will be reimbursed for what you paid for up to the 10% of PA SA

]]> 2025-03-05 03:09:56 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351771190 Accident Rider - Mina https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351771370

PA - Murder and Assault

- beneficiary can be somehow feel at peace with the financial assistance even for the sad moment of untimely death.


PA - Accidental Medical Reimbursement

- help to pay medical expenses


PA Packages

- feels additional security whenever engage in different activities, juvenile for the field trip.

]]> 2025-03-05 03:10:05 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351771370 Accident Rider-Alvin https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351771758

Murder and Assualt


Client will receive additional 100% of SA not more than 1M


Accident Reimbursement


Client will receive reimbursement due to accident but they need to pay first



]]> 2025-03-05 03:10:21 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351771758 Accident Rider-Nelgie https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351772652 PA-Murder and Assault

-It is beneficial because there is guaranteed cash benefit if the client is being assaulted.


PA-Accidental Medical Reimbursement

-This will help the client if the accident happens because their hospital bill will be reimbursed.


PA-Packages

-This kind of accident rider feature is beneficial for those clients whom enjoyed extreme activities.

]]> 2025-03-05 03:10:51 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351772652 ACCIDENT RIDER - Faith https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351779143 AMR - When the client does not have HMO, it’s an advantage to have this benefit because it reimburses the expenses caused by unforeseen circumstances.

]]> 2025-03-05 03:14:49 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351779143 Term Riders - Gee https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351794223 You have additional coverage/ cash benefit in case of untimely demise of LI(ATR) / payor(PT). This gives financial security for your beneficiaries.

]]> 2025-03-05 03:24:57 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351794223 TERM RIDER - Faith https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351794903 Additional Term - It gives additional cash benefit to the beneficiary which can exceed the current lifestyle of the family.


Payor Term - Gives coverage to the payor in case of disability and death of payor.

]]> 2025-03-05 03:25:33 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351794903 https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351797111 Rider-Alvin


Additional fund will add to the SA during untimely death of the insured and also client will receive a maturity benefits if client reach maturity age.


]]> 2025-03-05 03:27:08 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351797111 Accident Rider - Liza https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351798267 PA Packages - peace of mind for your children in terms of Field Trip or Extra curricular activities they are covered


PA Murder & Assault - cash assistance for unexpected death


PA Accident Rider - cash assistance for recovery and medication

]]> 2025-03-05 03:28:03 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351798267 Hospital Income Rider - Liza https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351832007 Serve as income replacement for client when hospitalized for more than 12 hrs

]]> 2025-03-05 03:57:53 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351832007 Hospital Income Benefit - Gee https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351833162 On top of your HMO benefits if any, you will receive income replacement for the days that you will be confined in the hospital.

]]> 2025-03-05 03:58:23 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351833162 Hospital Income Rider - Mina https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351833812 Daily Hospital Income

- great help since you cannot go to work you dill have income that can you can buy for meds.


Optional benefits: ICU, LTH, SER

- More comprehensive than HMO that can be max out in 1 sickness.

]]> 2025-03-05 03:59:03 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351833812 Hospital Income https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351834301 Hospital Income-its beneficial because the client will only focus for his recovery because he will have a hospital allowance the time of his confinement.

]]> 2025-03-05 03:59:36 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351834301 CI Rider - Liza https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351835835 A huge help for client when diagnosed with critical illness esp. with the high cost of critical illness expense here in our country, the client can focus on recovery and medication

]]> 2025-03-05 04:01:02 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351835835 Critical Illness-Nelgie https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351835841 The client will have a peace of mind because of this benefit no need to sell properties to cover his hospital bill since he will be covered by the company.

]]> 2025-03-05 04:01:03 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351835841 Critical Illness Rider - Gee https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351836074 It gives you peace of mind that your medical finances will be covered so that you can focus on your recovery and treatment.

]]> 2025-03-05 04:01:13 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351836074 https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351836117 Hospital Income-Alvin


This benefits client will get a replacement for her/his income incase of hospitalization per day maximum of whole year coverage and will replenish every policy year.

]]> 2025-03-05 04:01:17 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351836117 HI RIDER - Faith https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351836585 CI Rider - Gives a comprehensive coverage for critical illness and provides financial security to the client when diagnosed.


HI Rider - Gives coverage in terms of hospitalization due to illness or coverage, advantage to the client in case he has no HMO. Client can focus on recovery and not on the medical bills.

]]> 2025-03-05 04:01:45 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351836585 Critical Illness - Mina https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351837805 MLCP - 300% max CI benefit

help client to be secured up to 3 CI.


LCAP - 25% early stage CI benefit (4x)

addtl help if client encounter early stage CI.


LCAP - advanced stage CI benefit

give security to client to be at peace while recovering.

]]> 2025-03-05 04:03:14 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351837805 Term Rider - Liza https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351841759 Gives more peace of mind to the PO and PLI

as they can have additional cash benefits and can continue the PO's legacy

]]> 2025-03-05 04:06:46 UTC https://padlet.com/minnaminaj/alt0n6ucnbj1f216/wish/3351841759