geraldine desiderio-garcia svp & general manager

Geraldine Desiderio-GarciaSVP & General Manager

Bakit

COUNTRY BANKERS?

47 years in servicing the countrysideestablished by rural bankers, JOSE E. DESIDERIO, SR and ALFREDO MONTELIBANO

Niche market: farmers, market vendors, teachers, small & medium entrepreneurs, MFIs Pioneered in Creditor’s Group Life, loan-based

insurance and the first to have an approval to sell microinsurance

Personalized service Best known in fast settlement of claims 100% Filipino

BOARD OF DIRECTORS

MA. VICTORIA G. GUINGONAChairperson

DAVID M. CONSUNJI (DMCI)ALFREDO ALEX S. CRUZ IIIERNESTINE D. VILLAREAL-FERNANDOGERALDINE DESIDERIO-GARCIADENNIS H. LOCSINROBERTO L. MONTELIBANOAGNES S. DESIDERIOANTOLIN T. NAGUIATMANUEL Y. PETINESROMEO G. VELASQUEZERNEST JULIUS D. VILLAREAL

Ai Ai endorses Country BankersC5 Road Pasig

Where we are now(as of JUNE 2012)

RB partners 118Lives protected (principal + dependents) 375,973

MFI partners (non-RB) 134Lives protected (principal + dependents) 902,834

Total Lives Protected 1,278,807 Total Claims paid 64M+

INSTITUTIONAL OPTIONS FOR MICROINSURANCEmain providerreinsurer

PARTNER-AGENTMODEL

Why it works for MFIs

Trim down their level of risk (insurance is not their core competence)

Give better service to their members without additional admin costs

Devote more on their main facility: credit & savings

Enjoy lower premium rate because of economies of scale by the insurance partner

Share in the growth (incentives for the MFI)

We do not want MI members to fall back into poverty because of

unwanted events or hardships nor do we want MFIs to empty out

CB KALINGAthe microinsurance product for

everyJuan dela Cruz and his family

BENEFITS

①Natural Death Benefit②Accidental Death ③Permanent Disability Benefit④Accidental Medical Reimbursement⑤Daily (Hospital) Confinement Benefit⑥Instant “Abuloy” (in addition to benefits)⑦Financial Assistance due to Fire or Natural Calamity seven (7) BENEFITS in 1 family package/unit

COVERAGE

Principal memberParent/s2 Siblings or Children

MARRIEDPrincipal memberSpouse3 Children

SINGLE

BENEFITS PRINCIPAL SPOUSE CHILD 1 CHILD 2 CHILD 3

Natural Death 25,000 25,000 5,000 5,000 5,000

AccidentalDeath + 25,000 + 25,000 + 5,000 + 5,000 + 5,000

Permanent Disability 25,000 25,000 5,000 5,000 5,000

Accidental Medical

Reimbursement

2,500(max)

2,500(max)

500(max)

500(max)

500(max)

DailyConfinement

Benefit

200/day(max 30 days)

100/day(max 30 days)

___ ___ ___

MARRIED member

BENEFITS PRINCIPAL PARENT 1 PARENT 2 CHILD 1 /SIBLING 1

CHILD 2 /SIBLING 2

Natural Death 25,000 25,000 25,000 5,000 5,000

AccidentalDeath + 25,000 + 25,000 + 25,000 + 5,000 + 5,000

Permanent Disability 25,000 25,000 25,000 5,000 5,000

Accidental Medical

Reimbursement

2,500(max)

2,500(max)

2,500(max)

500(max)

500(max)

DailyConfinement

Benefit

200/day(max 30 days)

100/day(max 30 days)

100/day(max 30 days)

___ ___

SINGLE member

10,000 - Principal

2,500 - Spouse/Parent 5,000

1,250 - Child/Sibling

INSTANT ABULOYFINANCIAL ASSISTANCE

due to FIRE or NATURAL CALAMITIES

plus

ANNUAL PREMIUM

Php 280.00 per package

(only .77 centavos per day)

• 1 FAMILY PACKAGE = 1 UNIT of CB KALINGA• Maximum of 8 UNITS may be availed per member

FEATURES & CONSIDERATIONS Age at enrollment: 18-70 (principal, spouse, parent)

1 day old - 21 (child, sibling)

Common law spouse is accepted Suicide is compensable Each principal member gets a Confirmation of

Coverage (CoC) Dependents’ coverage will not stop in case of

principal’s demise Package/coverage is adaptable to your needs

OUR COMMITMENT

CLAIMS paid in 5 days INSTANT ABULOY given

within 24 hours, without documents

CLAIMS experience

375 families lost their homes to SENDONG…

All were insured under CB Kalinga.

All got their financial assistance benefit without any documents submitted

two days after the tragedy.

Our PARTNERS … just to name a few

ARDCI (Catanduanes) CARE FOUNDATION (General Santos) FIRST ISLAND MULTI-PURPOSE COOPERATIVE (Marinduque) KCDI (Manila) KMBI (Manila) LIFEBANK FOUNDATION (Iloilo) MEMPCO (Zamboanga) MILAMDEC (Cagayan de Oro) SHED (Manila) Rural Banks and Coop Banks, Cooperatives (nationwide)

MICRO CGLloan-based insurance

that protects the MFI

In the event of the member/borrower’s untimely death during the term of her/his loan

it will become the obligation of COUNTRY BANKERS LIFECOUNTRY BANKERS LIFEto pay his/her principal loan

to your Institution

““insurance as a collateral”insurance as a collateral”

Non-Medical Coverage Limit for the loans up to Php 200,000.00

for each borrower, 18 - 70 years old

““wala ng medicalwala ng medical””

Premium rate is lower than regular CGL rate

NUMBER OF MONTHS PREMIUM RATE PER 1,000

1 MONTH 1.15

2 MONTHS 1.15

3 MONTHS 1.65

4 MONTHS 2.00

5 MONTHS 2.75

6 MONTHS 3.15

12 MONTHS 6.00

For all other RISKS:

Money, Securities & Payroll (MSP) Fidelity Bonds Electronic Equipments Insurance (EEI) Fire Insurance Motor Vehicle

NONLIFE, since 1960

We are not in the business of marketing insurance,

what we really sell is peace of mind

Bakit COUNTRY BANKERS?

Bakit hindi?

Maraming salamat po!Thank you!