tag:blogger.com,1999:blog-58530426110975113012024-03-13T08:59:12.988+07:00asuransi-plusTeguh Pamuji, A.Mdhttp://www.blogger.com/profile/10851367411693215252noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-5853042611097511301.post-20202573232676840142012-04-03T19:35:00.000+07:002012-04-03T19:35:12.384+07:00Aku Ingin Punya Gaji Rp 10 juta Tiap Bulan<!--[if gte mso 9]><xml>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Pertama kali aku menabung di PRUlink
assurance account dari Prudential dengan alasan karena aku ingin melindungi
anak istriku secara finansial apabila terjadi apa-apa terhadap diriku.
Alhamdulillah setelah permohonan menabung di Prudential disetujui, segala
sesuatu yang terjadi atas tubuhku telah terlindungi secara finansial baik itu
rawap inap, bahaya penyakit kritis (jantung, stroke, kanker, tumor, dll),
bahaya kecelakaan dan cacat tetap total, bahkan meninggalpun nanti keluargaku
dicukupi secara finansial. Tidak sampai disitu, ternyata agent
kami menawarkan kesempatan bisnis di balik tabungan proteksi ini. Singkat
cerita akupun join dan menjadi agent Prudential juga. Ternyata perhitungan bonus komisinya
sama rata dengan komisi-komisi jasa lainnya yaitu hanya 10% saja. Saya lalu
bertanya 10% dari angka berapa? Ternyata 10% dari Total Tabungan Nasabah! Bagaimana cara mengitungnya? Begini perhitungan kasarnya (tidak
sama persis, tetapi kurang lebih hasilnya seperti ini):</span></div>
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<br /></div>
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<b><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Contoh:</span></b></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Nasabah A menabung PAA Rp 500
ribu per bulan dalam 10 th. Berarti dalam setahun dia menabung Rp 500rb x 12
bulan = Rp 6 juta per tahun. Padahal kontrak tabungan adalah 10 th, jadi total
tabungan nasabah tersebut adalah Rp 6 juta x 10 tahun = Rp 60 juta. Jadi komisi
saya kasarnya sebesar Rp 60 juta / 12 x 10 x 10% = kurang lebih sebesar Rp 5
juta dari satu nasabah.</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Rp 5 juta akan diberikan selama 2 th
sebesar 84% sisanya tahun berikutnya, jadi Rp 5 juta x 84% / 24 bulan = Rp 175
ribu per bulan selama 2 th.</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Hm jadi setiap 1 nasabah yang
menabung Rp 500rb / bln aku dapat komisi Rp 175rb / bulan selama 2 th. Trus aku
itung-itungan lha kalau dalam setahun (365 hari) aku mempunyai 10 nasabah yang
sama brarti aku berpenghasilan Rp 175rb x 10 nasabah = Rp 1.75 juta / bulan
selama 2 th, wah lumayan sekali.</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Trus pertanyaan yang timbul:</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-kalau nasabah menabung 750rb, 1 jt,
2jt / bln?</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-kalau setahun / 365 hari aku
mempunyai 35 nasabah?</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-kalau nasabahku bergabung menjadi
agent?</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Ternyata mencari nasabah cuma 2 th
saja, selebihnya membantu teman agent yang kami rekrut untuk sukses seperti
saya nantinya.</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Wa kalau gitu enak sekali, kerja
cuma 2 th tapi berpenghasilan meningkat terus.</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Rata2 (terbukti) penghasilan agent
Prudential:</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-melewati th pertama = Rp 5 jt /
bulan</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-melewati th kedua = Rp 10 jt /
bulan</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-melewati th ketiga = Rp 20 jt /
bulan</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-melewati th keempat = Rp 40 jt /
bulan</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-melewati th kelima > Rp 100 jt /
bulan</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Semakin besar
penghasilan akan semakin besar zakat mal 2.5% kita. Insya Allah ini akan
membersihkan dosa-dosa kita di dunia. Amin. Oke, maukah Anda menabung
di PRU link assurance account dan mengambil kesempatan berpenghasilan di atas
Rp 100 jt / bulan lima tahun mendatang? Keputusan ada di tangan Anda sekarang! Good luck. </span></div>Teguh Pamuji, A.Mdhttp://www.blogger.com/profile/10851367411693215252noreply@blogger.com0tag:blogger.com,1999:blog-5853042611097511301.post-56802042855179954462012-04-03T17:41:00.000+07:002012-04-03T17:43:36.255+07:00Produk Asuransi Prudential<br />
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<b><span style="color: red; font-family: "Tahoma","sans-serif"; font-size: 12pt;">PT. Prudential Indonesia</span></b><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">
atau biasa dikenal dengan Prudential memberikan produk-produk unggulan dan
terbaik di industrinya. Bagi Anda yang telah melihat produk lain sejenis, Saya
sarankan untuk tidak terburu-buru mengambil produk tersebut sebelum
MEMBANDINGKANNYA terlebih dahulu dengna produk kami. Berdasarkan pengalaman
kami, banyak diantara calon nasabah pada akhirnya beralih kepada produk kami
karena keunggulan dan manfaat yang lebih baik bagi Anda dibandingkan dengan
produk kami.</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Berikut
adalah beberapa produk kami:</span></div>
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</div>
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<span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 12pt;">- PRUlink Assurance Account Plus (PAA Plus) </span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"><br />
</span><span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 12pt;">- PRUlink Syariah Assurance Account Plus (PAA
Syariah) </span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"><br />
</span><span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 12pt;">- PRUlink Investor Account Plus (PIA) </span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"><br />
</span><span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 12pt;">- Tabungan Haji </span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"><br />
</span><span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 12pt;">- Tabungan Pendidikan </span></div>
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<br /></div>
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<span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 18pt;">PRUlink Assurance Account Plus (PAA Plus)</span><br />
</div>
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<b><span style="color: #0587e5; font-family: "Arial","sans-serif"; font-size: 12pt;">Apakah </span></b><b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">link assurance account plus</span></i></b><b><span style="color: #0587e5; font-family: "Arial","sans-serif"; font-size: 12pt;">?</span></b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;"> </span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Produk asuransi jiwa yang dikaitkan dengan investasi yang
memberikan <b>perlindungan asuransi jiwa</b> sekaligus <b>keuntungan
berinvestasi</b> dan juga telah dirancang untuk memberikan <b>fleksibilitas</b>
yang dapat <b>memenuhi kebutuhan dalam setiap tahapan kehidupan</b> Anda.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
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<b><span style="color: #0587e5; font-family: "Arial","sans-serif"; font-size: 12pt;">Manfaat </span></b><b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">link assurance account plus</span></i></b><b><span style="color: #0587e5; font-family: "Arial","sans-serif"; font-size: 12pt;">:</span></b><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: -18.0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12pt;">1. <span style="color: black;">Jaminan
Manfaat Kematian (<i>Guaranteed Death Benefit</i>)</span></span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: -18.0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12pt;">2. <span style="color: black;">Manfaat
Cacat Total dan Tetap (<i>Total and Permanent Disability</i>)</span></span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12pt;">3. <span style="color: black;">Dapat
menambahkan nilai uang pertanggungan (<i>sum assured</i>) setiap saat</span></span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: -18.0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12pt;">4. <span style="color: black;">Dapat
melakukan penambahan premi (<i>top up</i>) setiap saat</span></span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: -18.0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12pt;">5. <span style="color: black;">Dapat
menentukan sendiri besarnya komposisi dari nilai proteksi dan nilai investasi</span></span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: -18.0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12pt;">6. <span style="color: black;">Dapat
melakukan pengalihan dana (<i>fund switching</i>)</span></span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: -18.0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12pt;">7. <span style="color: black;">Pilihan
manfaat asuransi tambahan (<i>riders</i>) yang lebih banyak</span></span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
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<b><span style="color: #0587e5; font-family: "Arial","sans-serif"; font-size: 12pt;">Asuransi Tambahan</span></b><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Anda dapat menambahkan beragam manfaat asuransi tambahan pada
produk </span><b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">link assurance account plus</span></i><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">, guna lebih melengkapi perlindungan dalam
setiap tahapan kehidupan Anda:</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">crisis cover 34</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Memberikan uang pertanggungan </span><b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">crisis cover 34</span></i><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;"> apabila Tertanggung Utama menderita dan memenuhi kriteria salah
satu dari 34 penyakit kritis.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
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<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">crisis cover benefit 34</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Memberikan uang pertanggungan </span><b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">crisis cover benefit 34</span></i><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;"> apabila Tertanggung Utama menderita dan memenuhi kriteria salah
satu dari 34 penyakit kritis atau meninggal dunia tanpa mengurangi uang
pertanggungan dasar.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
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<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">personal accident death</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
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<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Memberikan manfaat tambahan apabila Tertanggung
Utama meninggal dunia akibat kecelakaan.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">personal accident death & disablement</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Memberikan manfaat tambahan apabila Tertanggung
Utama mengalami cacat total dan tetap atau meninggal dunia akibat kecelakaan.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">med</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Manfaat tambahan yang memberikan tunjangan
harian rawat inap, ICU dan pembedahan kepada Tertanggung Utama jika menjalani
rawat inap di rumah sakit.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">hospital & surgical</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Manfaat tambahan yang memberikan penggantian
seluruh biaya rawat inap, ICU dan pembedahan sesuai dengan manfaat yang
diambil, selama Tertanggung Utama menjalani perawatan di rumah sakit.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">waiver 33</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Jika Tertanggung Utama menderita dan memenuhi
kriteria salah satu dari 33 penyakit kritis, PT Prudential Life Assurance akan
melanjutkan pembayaran premi dasar sampai berakhirnya masa pertanggungan yang
dipilih.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">payor 33</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Jika Tertanggung Utama menderita dan memenuhi
kriteria salah satu dari 33 penyakit kritis, PT Prudential Life Assurance akan
melanjutkan pembayaran seluruh premi sampai berakhirnya masa pertanggungan yang
dipilih.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">spouse waiver 33</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Jika suami/ istri dari Tertanggung Utama
menderita dan memenuhi kriteria salah satu dari 33 penyakit kritis atau
mengalami cacat total dan tetap sebelum usia 60 tahun atau meninggal dunia, PT
Prudential Life Assurance akan melanjutkan pembayaran premi dasar sampai
berakhirnya masa pertanggungan yang dipilih.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">spouse payor 33</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Jika suami/ istri dari Tertanggung Utama
menderita dan memenuhi kriteria salah satu dari 33 penyakit kritis atau
mengalami cacat total dan tetap sebelum usia 60 tahun atau meninggal dunia, PT
Prudential Life Assurance akan melanjutkan pembayaran seluruh premi sampai
berakhirnya masa pertanggungan yang dipilih.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">parent payor 33</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Jika ayah dan/ atau ibu dari Tertanggung Utama
menderita dan memenuhi kriteria salah satu dari 33 penyakit kritis atau
mengalami cacat total dan tetap sebelum usia 60 tahun atau meninggal dunia, PT
Prudential Life Assurance akan melanjutkan pembayaran seluruh premi sampai
berakhirnya masa pertanggungan yang dipilih.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<b><span style="color: red; font-family: "Arial","sans-serif"; font-size: 12pt;">PRU</span></b><i><span style="color: #777777; font-family: "Arial","sans-serif"; font-size: 12pt;">link term</span></i><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">Manfaat tambahan yang diberikan jika Tertanggung
Utama meninggal dunia sebelum usia 70 tahun.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto; text-align: justify;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12pt;">33 penyakit kritis seperti yang dimaksud di atas meliputi semua
yang tercantum dalam bagian “Penyakit-penyakit Kritis” di halaman “Produk”,
kecuali “Angioplasti dan penatalaksanaan invasif lainnya untuk Penyakit Jantung
Koroner”.</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto; text-align: center;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 10pt;">= Kami Akan Memberikan Ilustrasi Yang Sesuai Dengan Kondisi
Anda =</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto; text-align: center;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 10pt;">= 085211027411=</span><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto; text-align: center;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">teguhpamuji76@yahoo.com / teguhpamuji76@gmail.com</span></div>Teguh Pamuji, A.Mdhttp://www.blogger.com/profile/10851367411693215252noreply@blogger.com0tag:blogger.com,1999:blog-5853042611097511301.post-9973656267875757452012-04-03T17:35:00.000+07:002012-04-04T20:23:54.852+07:00Karir Bersama Kami<br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Bangun karir bersama kami..........</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"> Kami
Mengundang Anda untuk bergabung dengan tim Konsultan Asuransi PT. Prudential
Life Assurance yang dinamis dan profesional. Bila
Anda adalah seseorang yang menyukai tantangan, suka mengerjakan sesuatu dengan
cara yang berbeda, dan memiliki hasrat untuk selalu unggul, kami ingin
mendengar dari Anda. Sebagai seorang penasihat yang mandiri yang menawarkan masukan-masukan
finansial yang berguna, Anda akan memperkenalkan dan menawarkan berbagai macam
produk finansial, untuk memenuhi tujuan dan kebutuhan-kebutuhan nasabah Anda.
Anda akan mendapatkan pelatihan untuk melakukan analisa kebutuhan finansial
agar dapat menentukan kebutuhan finansial nasabah Anda, dan berdasarkan hal
tersebut, menyediakan solusi terbaik bagi mereka. </span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"> Anda juga diharapkan untuk dengan
agresif mencari peluang memasarkan produk yang sesuai dengan target perusahaan
dan meningkatkan pangsa pasar. Pada saat yang sama, Anda akan bertanggung jawab
untuk mengunjungi nasabah Anda dalam rangka menanggapi segala hal yang
berkaitan dengan polis mereka dan menjaga agar kebutuhan mereka terpenuhi.</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Apabila Anda tertarik untuk
bergabung sebagai Tenaga Pemasaran Prudential, mohon untuk mengirimkan Riwayat
Hidup Anda ke </span><a href="mailto:julianti.dermawan@prudential.co.id"><span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 12pt;">teguhpamuji76@yahoo.com</span></a><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span><a href="mailto:julianti.dermawan@prudential.co.id"><span style="color: blue; font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></a><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"></span></div>Teguh Pamuji, A.Mdhttp://www.blogger.com/profile/10851367411693215252noreply@blogger.com0tag:blogger.com,1999:blog-5853042611097511301.post-67361146300525471762012-04-03T17:30:00.002+07:002012-04-04T20:31:09.866+07:00Rumah Sakit Rekanan Prudential<ol>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"> East
Kalimantan Balikpapan Pertamina RS Jl. Jend. Sudirman no. 1</span>
<span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;"> </span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Lampung Bandar Lampung Advent –
Bandar Lampung RS Kristen Jl. Teuku Umar No. 48, Kedaton</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Lampung Bandar Lampung Imanuel
Way Halim RS Jl. Soekarno Hatta, Tromol Pos 1, Tanjung Karang 35002</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bandung Advent - Bandung RS Kristen Jl. Cihampelas No.
161</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bandung AL Islam RS Jl. Soekarno Hatta No.644</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bandung Cahya Kawaluyan RS Jl. Parahyangan
Km.3, Kota Baru Parahyangan</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bandung Hermina Pasteur
RSIA Jl. Dr. Djundjunan 107</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bandung Limijati RSB Jl LLRE . Martadinata No 39</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bandung Rajawali RS Jl. Rajawali 38</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bandung Santo Yusup - Bandung RS Katolik Jl. Cikutra
No. 7, Cicadas</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bandung Santosa RS Jl. Kebonjati no. 38</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">South
Kalimantan Banjarmasin Sari Mulia RS Bersalin Jl. P. Antasari No. 139</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Riau Batam Awal Bros RS Jl. Gajah
Mada no. 1</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi Bella
RSIA Jl. Ir. H Juanda No. 141</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi Bhakti
Kartini RS Jl. Raya Kartini No. 11</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi Citra
Harapan RS</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Raya Harapan Indah kawasan
Sentra Niaga no 3-5 MEDAN SATRIA</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi
Hermina – Bekasi RSIA Jl. Kemakmuran No. 39, Margajaya</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi Karya
Medika – Cibitung RS Jl. Imam Bonjol , Desa Kalijaya, Cibitung, Bekasi</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi Karya
Medika II Tambun RSIA Jl Hasanuddin No 63 (Depan Kompas Indah)</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi Mitra
Keluarga Bekasi RS Jl. Jenderal A. Yani (Ujung Kali Malang</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi Mitra
Keluarga Bekasi Timur RS Jl Pengasinan Margahayu</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi Santa
ELISABETH BEKASI RS Jl. Raya Narogong 202 KM 5,</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bekasi/Cikarang Harapan Internasional RS Jl. Kasuari Raya Kav.1A-1B
Cikarang Baru, Bekasi</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bekasi/Cikarang Hosana Medika RSIA Ruko Thamrin C3 LIPPO CIKARANG</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bekasi/Cikarang Medika – Cikarang RS</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Jl. Raya Industri Pasirgombong,
Jababeka, Cikarang,Bekasi</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bekasi/Cikarang Siloam
Gleneagles Ciakarang RS Jl. M.H. Thamrin kav. 105, Cikarang</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Bogor Bogor Medical Center RS
Jl Pajajaran V No 97</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">International SOS Provider List
- 18 March 2008 1/4</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bogor/Cileungsi Meilia RS Jln Alternatif Cibubur, Cileungsi Km 1</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Bogor/Cimanggis Tugu Ibu RS Jl. Raya Bogor Km. 29, Cimanggis, Depok</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West
Java Cirebon Pertamina – Klayan RS Jl. Patra Raya Klayan</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Bali Denpasar Kasih Ibu
– Denpasar RS Jl. Teuku Umar No. 120</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Bali Denpasar Manuaba
RSU Jl. Cokroaminoto No. 28</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Bali Denpasar Prima
Medika RS Jl. Pulua Serangan 9 X</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Bali Denpasar Puri
Raharja RS Jl. WR Supratman 14</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Bali Denpasar Surya
Husada RSU Jl. Pulau Serangan 1-3</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Depok Bunda
Margonda RS Jl Margonda Raya no. 24</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Depok Hermina
– Depok RSIA Jl. Raya Siliwangi No. 50, Pancoran Mas, Depok</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Depok Puri
Cinere RS Jl. Maribaya Blok F2, Puri Cinere – Sawangan</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Depok Sentra
Medika RS Jl. Raya Jakarta-Bogor Km. 33, Cimanggis</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">West Java Depok Tumbuh
Kembang RS</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Jl. Raya Bogor Km. 31 no 23, samping
HERO auri,Palsi Gunung – Cimanggis</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Jakarta Jakarta Barat
BHAKTI MULIA RS Jl. K.S. Tubun 79, Slipi</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Jakarta Jakarta Barat
CENGKARENG RSUD Jl. Kamal Raya Bumi Cengkareng Indah</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Jakarta Jakarta Barat
Hermina Daan Mogot RSIA Jl. Kintamani Raya No. 2</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Jakarta Jakarta Barat
Pelni Petamburan RS Jl. AIP II K. S. Tubun No. 92-94</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Jakarta Jakarta Barat
PURI MANDIRI RS Raya Kedoya No.2, Kebon Jeruk</span></li>
<li><span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">Jakarta Jakarta Barat
Royal Taruma RS Jl. Daan Mogot No. 34, Grogol</span></li>
</ol>Teguh Pamuji, A.Mdhttp://www.blogger.com/profile/10851367411693215252noreply@blogger.com0tag:blogger.com,1999:blog-5853042611097511301.post-57379928509289217802012-04-03T17:20:00.000+07:002012-04-03T17:20:44.075+07:00Cara Sukses Menjadi Agen Prudential<!--[if !mso]>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Anda join pada awal tahun 2012
start sebagai Agent pada tahun pertama. Anda masih dalam tahap belajar
dan akan dibimbing langsung di lapangan oleh leader senior dan dibimbing
melalui sistem pelatihan ekslusif Prudential.</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sebagai seorang Agent, Anda tidak ada kewajiban target API tertentu, tetapi anda memutuskan ingin
mencapai income besar maka anda harus mengikuti step by step panduan sesuai
sistem bisnis Prudential.</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Step pertama yang harus dilakukan adalah melakukan <b>FORMULA SUKSES 150 Juta API</b>.</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12pt;">[ Formula Sukses 150 Juta API ]. Anak Tangga Pertama untuk dapat mencapai Agency Manager Rp 100 Juta/bln</span></div>
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hari =
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atau belum)<br />
1 minggu = 5 hari Sharing, Anda sudah
SHARING total ke 10 orang<br />
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minggu hari sharing X 10 orang maka Anda sharing total ke 400 orang</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Asumsi Closing Ratio New Agent
hanya 10%. Artinya dari 400 orang tersebut ada 90% menolak dan hanya ada 10%
(40 nasabah) yang setuju membuka rekening khusus dengan Anda.</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Ke 40 Nasabah menabung rata-rata hanya
@Premi Rp 500ribu/bln (@API 4Juta)</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Di akhir tahun 2012, artinya Anda telah mengantongi omset = 40 X 4Juta API = 160 Juta API<br />
Kita bulatkan ke angka API 150 Juta untuk memudahkan perhitungan.</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">:: Perhitungan Income Anda
akhir 2012 ::</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">API Pribadi Anda : Rp
150,000,000</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes;"><br /></span><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Dari produksi thn 2012, Anda berhak mendapatan income total = 99% x API, dengan perincian sbb :</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Tahun #1 (2012) :
42% x Rp 150 Juta = Rp 63,000,000/thn (setara Rp 5,000,000 per bulan)<br />
Tahun #2 (2013) : 42% x Rp 150 Juta = Rp 63,000,000/thn<br />
Tahun #3 (2014) : 5% x Rp 150 Juta = Rp
7,500,000/thn<br />
Tahun #4 (2015) : 5% x Rp 150 Juta = Rp
7,500,000/thn<br />
Tahun #5 (2016) : 5% x Rp 150 Juta = Rp
7,500,000/thn</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Seorang Agent berhak memperoleh
total income yang hampir sama dgn total omset API yg dicapai (99% X API)</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Apabila misalkan seorang Agent dalam
1 tahun memperoleh API 400 Juta, maka seorang agent tersebut artinya sudah
memiliki cadangan tabungan hampir Rp 400 Juta. Di mana apabila agent menyicil
rumah senilai Rp 400 Juta maka akan lunas dalam hanya 5 tahun saja.</span></div>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Catatan:<br />
Komisi diberikan setiap periode, bonus di berikan tahunan. Ketika nasabah
disetujui, agent langsung mendapatkan komisi yang keluar per 2 minggu sekali
(tanggal 5 atau tanggal 20). Jika nasabah menabung tahunan maka komisi
diberikan total setahun, jika menabung semesteran maka komisi diberikan per 6
bulan, jika menabung triwulan maka komisi diberikan per 3 bulan, jika menabung
bulanan maka komisi diberikan perbulan.</span></div>Teguh Pamuji, A.Mdhttp://www.blogger.com/profile/10851367411693215252noreply@blogger.com3tag:blogger.com,1999:blog-5853042611097511301.post-81899281882988970012012-04-03T16:43:00.000+07:002012-04-03T16:43:16.834+07:00Cara Menghitung API<!--[if gte mso 9]><xml>
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<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Contoh
1 :<br />
Nasabah berumur 35 tahun menabung premi Rp 6,000,000/thn (atau Rp 500,000/bln). Dari
total Rp 6,000,000/thn, dialokasikan Rp 4,000,000/thn untuk premi berkala
(proteksi) + Rp 2,000,000/thn untuk premi saver (investasi).<br />
Nilai API dalam contoh ini adalah <b>Rp 4,000,000.</b></span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Nasabah
berumur 45 tahun menabung premi Rp 12,000,000/thn (atau Rp 1,000,000/bln). Dari total
Rp 12,000,000/thn, dialokasikan Rp 8,000,000/thn untuk premi berkala (proteksi)
+ Rp 4,000,000/thn untuk premi saver (investasi).<br />
Nilai API dalam contoh ini adalah <b>Rp 8,000,000.</b></span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Nasabah
membuka rekening di awal tahun ataupun di akhir tahun akan diperhitungkan sama
jumlah API nya.<br />
Contoh nasabah P Budi membuka rekening Rp 500 ribu/bln di bulan Januari atau
bila nasabah P Budi membuka rekening di bulan Desember maka perhitungan
nasabah P Budi tetap Rp 4 Juta API.</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Catatan:</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Porsi
besarnya % premi berkala ditentukan atas kesepakatan bersama dan sesuai
usia-resiko nasabah. Usia nasabah yang lebih tua akan membutuhkan porsi premi
berkala yang lebih tinggi dibandingkan usia lebih muda. Contoh penghitungan API
di atas tadi merupakan contoh pembagian API standar pada umumnya.</span></div>
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<hr align="center" size="2" width="100%" />
</span></div>Teguh Pamuji, A.Mdhttp://www.blogger.com/profile/10851367411693215252noreply@blogger.com0