Home

SMART Comparitor User Manual

1. How to use SMART Comparitor SMART Comparitor has been designed using the K I S S formula Keep It Simple Stupid It has been designed to enhance the end user s education as well as hopefully assist in closing the sale At present there is only one companies Premium rates incorporated in the program More and more will be incorporated in future versions The reason we are slow in including rates 1s because we want to make sure that what is on our program is not only accurate but also comprehensive Priority has been given to ensuring that policy benefits are faithfully explained as these will have a more lasting impact on your client at time of claim than a minimal difference in premium will The program is incredibly versatile and yet very simple Some users will enjoy its comprehensive and its up to date database whilst others will find the simple click and check method effective Others will take full advantage of all the features that the program offers Remember your Professional Indemnity is put on the line every time you recommend a product don t risk it by accepting someone else s recommendation We have taken great care not to rank or rate the definitions benefits For example It takes no time to interpret that a one duty definition is much better than an any duty or combination of duties that are critical etc or that a Nil waiting period for Partial Disability 1s much better than a
2. 1st with the changes Accurate with the Information 43 If the condition is in the list and there are at present over 430 conditions listed then simply left hand click on the word and the explanation will appear The Search facility will pick up every word in the definitions that was typed in Medical Dictionary Aneurystti Anxiety Aorta Aortic Aneurysm Artery Asystole Balloon Angioplasty Chronic Renal Failure Coarctation of the Sorta Congestive Heart Failure Coronary Dopamine Down s Syndrome Echocardiogram Flectrocardiogram Heart Attack Hypertension Myocardium Mev York Heart Association Classif Open Heart Surgery Organ Primary Pulmonary Hypertension Systemic Sclerosis Ventricular Tachycardia SMART Comparitor 1st with the changes Accurate with the Information 44 Premium Section Premiums A Term amp Trauma The premium calculations will be done in 2 sections 1 Income Protection 2 Term amp Trauma Currently we have only activated the Term amp Trauma Section of the program SMART Comparitor 1st with the changes Accurate with the Information 45 When you click on the Term amp Trauma Tab the following screen will appear Term amp Trauma Premium Calculator i Client Hote The premiums shown here are to be used as a guide only These results should be confirmed with the appropriate companys rate book premium calculator Age Net Birthda
3. LPP Mo such Benefit MLC Life Cover Plus LC Mo such Benetit The printing set up is as per the Income Protection Section and that is you can print one definition or print all of them Approx 20 pages per company for a complete definition print out There are also 2 sets of graphs that will hopefully help you clinch that sale Simply select Graphs the Graphs icon and then select one of the three graphs that are Leading Causes of Death C Death Causes by Age group Life Expectancy available SMART Comparitor 1st with the changes Accurate with the Information 31 The first graph Leading Causes of Death will appear automatically f Leading Causes of Death i Death Causes by Age group 30 25 D 20 Percentage 201 on Leading Causes of Death D cancer 27 2 eal All other cance lechaemic Heal Stroke 9 4996 Chronic Obstre 4 8 Accidents 3 8 A Pneumonia amp Ir C Disease of Art Capillaries 2 2 MN Ciabetes meit A Suicide 2 1 D Hereditary amp cle the nervous Sy You can then use the selector to select one of the other graphs simply click in or on the name of the graph that you would like to view f Leading Causes of Death 7 C Death Causes by Age group lt n ZI C Lite Expectancy SMART Comparitor 1st with the changes Accurate with the Information 32 Death Causes by Age group C Leading
4. SMART Comparitor 1st with the changes Accurate with the Information SMART Comparitor User Manual Everything you need to know about SMART Comparitor to make it work for you SMART Comparitor ABN 67 623 637 167 Business Registration No BN97737614 23 January 2003 SMART Comparitor 1 st with the changes Accurate with the Information SMART Comparitor ABN 67 623 637 167 Business Registration No BN97737614 SMART Comparitor 1 st with the changes Accurate with the Information EET es EEE E PS A A E E EE EO a 3 How to use SMART COMmpPariltor nina in aa AAA a AA 6 OD CVA EEE rice sone IEN A E TE IONANN N E N O A A 7 Client Informationr 0000000000e0seosessossosssssssessessessessoosossossssessessesssssssssssosessessessossossosso 15 Income Protection Section c cccccccccccsccccscccscccccccccccccsccoccccccccccscccsccccccccsceccsesccccccsscceses 23 Term Insurance Section seoseosesseosoosoososssssssessessessossossossssessessessessossossssessessessesssosossss 28 Trauma Insurance Section wiscssscecpsccscccssdeecsccsccccsscsesvsascaccsaccesdcetesodecssesesecsacesecosscesadewsecses 36 Premium Selong AA 45 Charis CON ors ses A A A a A a a aii 54 Reports SOCO UN na Aa A a aa 57 Customer Advice Record eoseoseoseoseosossosssssssessesseosssessessessossossssssssssessessesssossosssssse 57 Lepa A E A E E A ETE 6l How to Downloads Saves Update isessississscssisncsissssesrossosaoscosisnososksessossa
5. SMART Comparitor 1st with the changes Accurate with the Information 57 The screen then looks like this Term amp Trauma Premium Calculator i Client B2 Sender ie Male fi er ee Smoker CM ot i E Tn Si Lumey Lte Tem E a r SMART Comparitor 1st with the changes Accurate with the Information 58 Keep on Selecting the various companies and products that you want premiums for Term amp Trauma Premium Calculator Client Hote The premiums shown here are to be used as a guide only These results should be confirmed with the appropriate companys rate book premium calculator Age Next Birthday 32 Gender Male Female Smoker _ State Occupation Accountant Degree vale D IL ley Life Ltd oompany jLumley Lifte T inea Term Insurance Trauma Insurance Results Australian Casually amp Lite Ltd j Lite Protection Plan 300 000 1 Product Lumey Lite Term Recovery Protection Plan 200 000 5 1 Total Premium 779 00 Sum Insured 300000 Rebate 96 fo Lumley Life Ltd Lumley Lite Term 300 000 SI Premium Type fF Level amp Stepped Platinum 200 000 5 1 Total Premium 652 50 Lumley Lite Ltd Lumley Life Term 300 000 5 Silver 200 000 5 1 Premium Waiver E Policy Fee Included A Total Premium sarad IMG Lifte Ltd R Leading Lite 300 000 SJ TPD Options l Recovesy Cash 200 000 51 D Total Premium 557 00 Adeit TPO Sum E 100000 iona um I
6. 200 inc Pol Fee 50 O00 Maximum Sum Assured TPD inancials Evidence Required Hl Blood Test Medical 4 44 i P A Dam Glass Grlipersona Advancement of Funeral Expenses _ Chikren s Future Insurabilty Minimum Premium gr Maximum Sum Assured TPD HIV Blood Test Medical As per the Income Protection Section fick indicates the benefit is available at standard rates Extra cost means that the gHent can have that benefit or feature added to their policy contract for an extra cost Don t forget to click on the blue section inside the box for further comments that only you can see SMART Comparitor 1st with the changes Accurate with the Information 29 As with Income Protection A special feature to SMART Comparitor is the inclusion of Benefit Explanation in Layman s Terms You will in time be able to click on all the benefits Company Product Benefit sue Date of CIB Expiry Date of CIB Policy Fee yearly Packaging Automatic Upgrades Advancement of Funeral Expenses Children s Future Ineurability Contact Details Continuation Discount Entry Ages Stepped Premiums Entry Ages TPD Stepped Entry Ages Level and a brief description will appear in layman s terms as to what that benefit means For example if you click on the Packaging then the following will appear Grouping together any number of policies vith the one single fee and normally one Life Insured E g Term Life Traum
7. Accurate with the Information 41 Simply click on the above icon and the following will appear Here you have the option of either scrolling down to find the word that you are after Medical Dictionary Abnormal Accident Acoustic Neuramas Activities of Daily Living Acute Acute Disease Aetiology Akinesia Alzheimer s Disease Amyotrophic Lateral Sclerosis Anaemia Aneurysm Angina Pectoris Angioplasty Anxiety sD each oe ne oS papan so So anna eae 3 a aS an aaa n z S or alternatively utilise the Search Engine that is included SMART Comparitor 1st with the changes Accurate with the Information 42 As you will notice that there 1s a search facility associated with this section This means that if you type a word like Heart or liver then click on search the following will appear Medical Dictionary Heat Search Reset Aneury Siti Anxiety Aorta Aortic Aneurystni Artery Asystole Balloon Angioplasty Biopsy Cardiac Cardiac Arrest Cardiac Catheterization Cardiac Enzyme Chronic Renal Failure Coarctation of the Aorta Congestive Heart Failure Coronary Dopamine Down s Syndrome Echocardiogram Electrocardiogram Heart Attack Hypertension Myocardium New York Heart Association Classif Open Heart Surgery Organ Primary Pulmonary Hypertension Systemic Sclerosis Tetralogy of Fallot Ventricular Tachycardia SMART Comparitor
8. CCT WW YY T WWW SS SCS Day 4 Accident Option or Smir Onlin D ewacos Ni beam IN JW A A A 2 a A A CC DisabiityPusOnion JJ TJ RB XY GT TCS SSCS Bener NT YY IT YT YY speen a i it T Feniycaesbee OE WWW VWhY YYaar A You will also notice that the program automatically defaults to Profes igaal White Collar Occupations refer top left hand corner of above picturg _ a _ a _ SMART Comparitore 41st With the changes Accurate with the Information 2 U Income Protection Benefit Comparison Professional White Collar Blue Collar You can alter this by clicking in the Blue Collar section to view the Benefits that are available to Blue Collar Occupations Income Protection Benett Comparison ProfessionalWhite Collar Blue Collar If a specific Benefit has aL___ ___ then this indicates that the benefit is available as a standard part of the appropriate contract If a specific Benefit has an included in the box then that benefit is available at an Extra Cost to the client If a specific Benefit has a comments ff then this means that there is some extra information behind the screen All that you need to do is move your cursor to the blue box and left hand click to reveal the information OCE Group Monthly benefit limits Age at entry Financial Evidence Max Benefit BB 17 24 ail 3 000 p m Over 24 Over 3 000 5 000 p m A 17 24 M
9. Partner Select graph to view Trauma Trauma Insurance Analysis Cover Requirements Client Partner Select graph to views Lite Plan Life Insurance Analysis depending on what you have selected SMART Comparitor 1st with the changes Accurate with the Information 19 Either way you can view all or some of the graphs as to the Client Partners Cover Requirements Cover Requirements f Client i Partner Select graph to view Lite Plan Life Insurance Analysis 1 000 000 F Recommended 500 000 WS current 160 00 Sum Insured 500 000 1 000 000 W shortfall 719 SMART Comparitor 1st with the changes Accurate with the Information 20 Cover Requirements f Client Sum Insured 100 000 200 000 300 000 400 000 Partner Select graph to view Trauma Y Trauma Insurance Analysis 500 000 C Recommended 400 000 300 000 200 000 100 000 BB current 50 00 D shortfall 354 SMART Comparitor 1st with the changes Accurate with the Information 21 Cover Requirements f Client i Partner Select graph to view Disability Income Protection Analysis ae Recommended 5 000 4 000 3 000 2000 D current 4 000 Monthly Income 4 000 4 000 eea D Shortfall 1 001 If a picture is worth a thousand words you have 6 000 good reasons to use these graphs You can alternate both between the graphs and
10. Remember the Control Panel is your steering mechanism for the program Benefit Comparison SMART Comparitor 1st with the changes Accurate with the Information 28 Once you have clicked the Benefits Comparison icon the following will appear on your screen which is a quick overview of the companies that you have selected Term Insurance Benefit Comparison Company Product Benefit ackaging y e aa erminal IIness Up to Fein max PO Any Occupation Extra Coast PO Own Occupation Extra Coast E Double TPD w Extra Cost Extra Cost Extra Co a ife Cover Re purchase Option ong Term Care Extra Cost Extra Cost G F S Business G F Personal ndexation Advancement of Funeral Expenses Children s Future Insurabilit irst to Die Cover inancial Planning Benefit uture Care Extra Cost Extra Cost CPI or min 5 CPI or min S of Extra Cost Extra Cost 10 r nb 11 70 nb 10 65 nb 15 85 nb 15 85 nb 11 60nb 39 nb 70 nb 100mb 65 nb 200 inc Pol Fee F200 Policy tee 30 000 Comments 2 million Comments g Comments ooge 400 001 ravel Assist ntry Ages stepped Premiums ntry Ages Level ntry Ages TPD Stepped ntry Ages TPD Level ntry Ages Future Care xpiry ages Term Ordinary xpiry ages Term Superannuation xpiry ages Future Care xpiry ages TPD Minimum Premium amp or 11 71 nb 25 60 nb 16 55 nb 25 55 nb Comments 99 nb 69 nb ggnb B5nb
11. WOUF income was in fact guaranteed in the event of Seawajor reason that prevented WOU from working For these reasons you have asked me to reviews your needs and to determine ed Insurance protection you really need You can adjust the m text in these two Clearly in looking at you present postion there is a real need for suttakle etitectian for boxes to suit your the family by way of life insurance trauma insurance and suberte income protection or 4 E continuance insurance This cover would then progi suitable lump sum or income particular clients payments inthe event of any major traurmaetiness or even death of yourself E vould circumstances be prudent to consider a level of etfer also for your wite Whilst Sharon is present devoted to looking after the house and the children should anything happen to her it could mean that you may have to find alternative childcare to allovy you to continue working in your normal capacity The real issues As you know during our interview we discussed at same length your financial Mick Rogers Term lifte cover additional Major trauma insurance Income protection SMART Comparitor 1st with the changes Accurate with the Information 65 ACL Life Protection Plan 7 200000 Citicorp LifeCare Trauma Insurance kd tuneyite a ooo a II a 5 nith Rogers Suncorp Comprehensive Critical Cas kd Zurich o Income Replacement Insura kd eee E k SMART Compari
12. 14 or 28 days firstly being Totally Disabled Definition How about claims procedures Do you explain these to the client The program is designed to satisfy the following requirements Know Your Product Rule Know Your Client Rule SMART Comparitor includes an Electronic Fact Finder which you will find easy to use The rules have changed under the Know Your Client Rule the advisor will have to have a reasonable basis for making recommendations Updates can be either emailed to you as they occur or downloaded from our website and this will be within a few days of a company launching updating their product s SMART Comparitor 1st with the changes Accurate with the Information 6 Overview When you start the program the first screen to appear is the Select Companies Products Window From here you can either select or deselect the companies that you would like to compare A Select Compames Products Select the companies and products that will be displayed throughout the program by checking or unchecking the boxes Cancel wv ACBL MW AMERICAN INTERNATIONAL ASSURANCE M AMP fw AXA M CITICORP M COLONIAL M ING MI LUMLEY LIFE w MLE vt NORACH UNION wt PREF SUREWIEE wf ROYAL SUN ADSWANCE wf SUNCORP META TOWER LIFE e WESTPAC ZURICH Select All Unselect All e And more importantly by clicking on the that appears on the left ha
13. 6 16 Tower 6 45 wes cs Norwich Westpac HH Lumley Li Percentage 24 MB racy co HcF coo E cc co BB cthers cc SMART Comparitor 1st with the changes Accurate with the Information 55 Company Market Share New annual premium Percentage C f In force premium section Term Trauma and TPD In Force Premium Term Trauma and TPD as at 30 06 2007 D amp cize BN colonial t Ingat mic 54E E a iss E Foal sur Tower 6 J vestpac E was 6 0 D Horwich BB acer we D common Zurich 2 _ Lumey 2 ziza Suncorp t E rma c B cticorp cc B George AA 0 68 J Fretsure cthers co SMART Comparitor 1st with the changes Accurate with the Information 56 How to use SMART Comparitor Reports Section This is an incredibly simple CAR completion You will again notice that the control panel changes when you select a different option Customer Advice Record it Plan oo Da m Member Advice Record You now have the option of completing a Customer Advice Record a LifePlan or a Member Advice Record CUSTOMER ADVICE RECORD Customer Advice Record Before you do anything else you must click on the and then on the Customer Advice Record he Adviser Bill Coudoaunellis SMART Comparitor 1st with the changes Accurate with the Information 57 green arrow next to your name and complete your information Customer
14. Benefit Option Alzheimer s Disease Diplecia 25 55 nk z A Option w w w ESS ack I 19 60 nb 19 60 nb 16 56 nb AS above s ack indicates the benefit is available at standard rates Extra Cost means that the cent can have that benefit or feature added to their contract at an extra premium Don t forget to click on the blue section inside the box for further comments that only you can see SMART Comparitor 1st with the changes Accurate with the Information 37 As with the Income Protection and Term Section a special feature to SMART Comparitor is the inclusion of Benefit Explanation in Plain Medical Terms You will in time be able to click on each and every benefit Company Product Benefit Parkinson s Disease and a brief description WN appear in Plain Medical terminology as to what that benefit means For example if you click on Pneumonectomy then the following will appear A d M l E Ai d d a An operation to remove an entire lung Source 6 1998 2002 On line Medical Dictionary How useful is this No longer will you be unable to explain what a particular benefit means You will also be able to compare the true medical definition as compared to the Insurance Companies cover Definitions You can then click on the icon to move into the full wordings SMART Comparitor 1st with the changes Accurate with the Information 38 In this section
15. Professional White Collar Occupations to that of Blue Collar Occupations as well as different companies for Term and or Trauma To completely deselect a Company for all products simply click in the Mi to remove the tick None of that company s product will then appear SMART Comparitor 1st with the changes Accurate with the Information 8 The other alternative is to either or by clicking on the appropriate bar E W WESTPAC E t ZURICH select All Unselect All ya The Archived data has to be manually selected You can also enlarge or decrease the size of the Select Companies Products Screen You can even expand it to the size of your screen You can at any time throughout the program alter your selection by going to this icon Company Product Selection button clicking on it making the changes and then clicking on the Update button This Update button is situated on the top left hand corner of your screen SMART Comparitor 1st with the changes Accurate with the Information 9 The Control Panel situated on the left hand side of your screen allows you to navigate through the program Client Details Total Risk Protection Fact Finder Client Cover Requirements The program when started automatically defaults to Client Information SMART Comparitor 1st with the changes Accurate with the Information 10 We have done this in order to comply with the Financ
16. Quotes Total Premium 650 80 Australian Casualty amp Lite Ltd Life Protection Plan C300 000 5 1 Recovery Protection Plan 200 000 5 1 Total Premium 760 00 Lumley Life Term 300 O00 5 1 7 Critical lness Insurance 200 000 5 1 Total Premium 616 90 4 To view the end result go to Print Preview Ld click on this and you can see what you will be presenting to your client SMART Comparitor 1st with the changes Accurate with the Information 54 STEP 1 Select the first company and do the data input Term amp Trauma Premium Calculator f Client Hote The premiums shown here are to be used as a guide only These results should be confirmed with the appropriate company s rate book premium calculator Age Next Birthday 32 Gender ite Male Female Smoker State Occupation Accountant Degree Si Company Australian Casualty amp Life Ltd 7 Term Insurance Trauma Insurance Results Product Life Protection Plan Sum Insured 300000 Rebate 25 Premium Type f Level i Stepped Premium Waiver E Policy Fee Included Ww FutureCare Option TPD Options Additional TPD Sum Insured TPD Occupation C Own i Any TPD Type f Singe Double SMART Comparitor 1st with the changes Accurate with the Information 55 Continue to the Trauma Insurance tab Term amp Trauma Premium Calculator f Client Hote The premiums shown here are to be used as a guide only These result
17. are ready to do a complete Risk Protection Fact Finder for both client and partner within minutes Fact Finder Total Risk Protection f Client Partner Children The above is only part of the Total Risk Fact Finder SMART Comparitor 1st with the changes Accurate with the Information 18 Simply place your cursor in the Gross Annual Earnings main occupation click 1n it and then start asking the questions and typing the answers in Use the Tab key to move to the next section and so forth Once you have input all the information onto the system simply click onto partner then Fact Finder Total Risk Protection Client f Partner opy client data Children click on Copy client data and you have everything minus the partner s earnings and their current insurances input for you Simply complete these areas and you now have both Fact Finders done Remove Partner i You can also Remove Partner should circumstances warrant it This also applies to the children Simply click on S and alter the details Next step is to view the recommendations that you are about to make to your client and m Client Cover Requirements or their partner Click on and you are ready You now have the option to view the graphs for the client or their partner Cover Requirements Clie C Partner Select graph to vie Cisability Income Protection Analysis Cover Requirements Client
18. the above screen Attachments Cae p MEI SMART Comparitor 1st with the changes Accurate with the Information 69 The next screen that will appear on your screen Opening Mail Attachment Opening Update353 zip from Update353 zip Message HTML WARNING Web pages executables and other attachments may contain viruses or scripts that can be harmful to your computer It is important to be certain that this File is From a trustworthy source What would you like to do with this File C Open it Save it bo disk vi Always ask before opening this type of File OK Cancel Click on Save it to disk as above and you will then see the following screen Where it says Save in Please click on the dropdown window and select the folder or A T Tools y JABS My Webs WE wani 12 J Adobe Nicole JI Adabe Files NM GA Listings BOM amp DSM competencies PowerPoint Files _ Cancer Stats Prospecting Tools I COR Label Maker Risk Companies _ Excel Files SMART Comp Internet _ JFL SMART Comparitor Patches re Group Product Policies Smart Invoices amp Receipts J Jokes UNAC _ILIMRA Word Files __ Misc Zipped Files Li My eBooks Fi How to use SMART Comparitor __ My Music A MUSICMATCH 7000135 D My Pictures CD passpra File name undate exe Save as type fal Files Cancel Save in History My Documents Deskto p SMART Comparitor 1st with the changes Accur
19. you may view any benefit that 1s available to the companies compared by simply selecting what it is that you would like to view Click on the drop down button and enjoy analysing Rang Select definition to views Te eel ae ACAL Recovery Protection Plan RPP Coronary artery bypass grafting performed via open chest thoracic surgery ta correct coronary artery disease Non surgical techniques including angioplasty laser and other techniques are excluded AZA Deluxe Deluxe Coronary artery bypass grafting surgery performed via open chest surgery asa consequence of coronary artery disease Non surgical techniques including angioplasty laser and other catheter techniques refer to Angioplasty are excluded MLC Plus Ch Including Death Plus Ch Death The open heart surgical grafting of a bypass to a coronary artery to overcome narrowing or obstruction t does not include coronary artery angioplasty cardiac keyhole surgery laser or other intra arterial procedures Standard Cl Including Death Stand Cl Death The open heart surgical grafting af a bypass to a coronary artery to overcame narrowing or obstruction t does not include coronary artery angioplasty cardiac keyhole surgery laser or other intra arterial procedures There is also one graph that will hopefully help you clinch that sale for Trauma Graphs Simply select the Graphs icon and then select the appropriate f Male aged 15 39 CO M
20. 219 00 Half Yearly premium 112 78 Monthly premium 19 16 At least one policy fee is required unless the above cover is packaged with Income Protection Term Business Safeguard option not included in these calculations See the ING rate books for more information Trauma Too old to enter stepped premium Too old to enter TPD 19 Mar 2003 Page 3 How to use SMART Comparitor Charts Section If company market share 1s important to you SMART Comparitor has got you covered The graphs show the latest New Annual Premium and In Force Premium industry statistics Income Protection Term Insurance Client Information m Company Market Share You will now notice that only one icon appears in Charts and that icon is called Company Market Share From here you have the option of viewing Company Market Share f Hew annual premium In force premium Section Income Protection K or Company Market Share O New annual premium f In force premium section Term Trauma and TPD By scrolling on the drop down button you can select Income Protection or Term Trauma and TPD for either New Annual Premium or In Force Premium SMART Comparitor 1st with the changes Accurate with the Information 54 Company Market Share Mew annual premium In force premium Section Income Protection kd New Annual Premium LP as at 30 06 2007 BB aca 21 colonial 25 D me oe exace Royal Sul 20 E amp cre _ NG
21. ART Comparitor 1st with the changes Accurate with the Information 73 Mission Statement First with the Changes Accurate with the information SMART Comparitor will be updated within 7 working days of the Companies reviewing their Risk Products SMART Comparitor 1st with the changes Accurate with the Information 74
22. Advice Record Adviser Bill Coudounellis Client Mame Bii Coudounelis Agency name Bill Coudounellis amp Associates Postal address Post Box 219 QVE Post Shop Sydney NSW1230 0000 Business address 1 888 Montrose Road Abbotsford NSW 2046 Phone number 297127648 Fax number 297127649 Email 1 bil_coudounelis troggy com au Mobile number a411 111 640 Email 2 Main attiliatian Authorisation Companies Products C income protection AMERICAN INTERMA TIC C TermLite insurance AMF C Trauma insurance AKA Superannuation CITICORP My employer pays me commission and bonuses based on products sell My employer pays me a salary f My employer pays me commission and bonuses based on products sell andor a fee for service and agreed fee paid by the client After you have entered the information into this section not forgetting to input all the information including any Main affiliations that may exist as well as selecting the respective companies and Products that you are authorised to sell then click on the green arrow pointing up next to your name You will never be required to do this inputting again unless your details change If you have already input the client details in the Client Information Client Details File Options Help Section then go to ee Ld Company Product Selection click on either File or and select the Client that you wish to do a CAR for Client Joe Baggadoughnuts a
23. Birthday as Sater lw Select the Company by clicking on the drop down Gender Male Female Occupation accou ee 6 e o o Company Australian Casually amp Lite Ltd nie Term Insurance Trauma ana Results Select the Product by e e e Product Lite Pr tection Plan A clicking on the drop down box Sum Insured 500000 Rebate 99 fio um Insure ebate s Premium Type CC Level amp 4 Stepped a For Association Business 5 type 10 in this box 5 6 Premium Waiver Mi me Figy tae lw Select or Deselect ae FutureCare Option 200000 Ge emp 1 Premium Waiver 2 Policy Fee TPO Options n ar in Additional TPD Sum Insured 2o00 1 FutureCare S I TPD Occupation O Ore C Any secocok 2 TPD Sum Insured Select type of TPD eo o TPD Type C singa Ee Tounie e 6 6 6 a 6 6 6 b 6 6 6 Once this has been done Click on the Trauma Tab and SMART Comparitor 1st with the changes Accurate with the Information 50 Term amp Trauma Premium Calculator Client hale Female Occupation Australian Casualty amp Lite Ltd kd Recovery Protection Plan kd 150000 O O Complete what you need to complete here then click on the Results Tab PS you will notice that I have done this example as the following Term Life Cover 500 000 as association business TPD on the life cover is Own Double Both Life amp TPD as Stepped premi
24. Causes of Death Death Causes by Age group Causes of Death for Ages T 24 Ages 1 24 f Ages 25 64 Ages 65 and over Infe 70 pty E External causes I m Disease of the ciri Percentage 26 cancer 12 Kaposi s Sarcoma Once this is done you can then view the graph that suits your client Ages1 24 CC Ages 25 64 O Ages 65 and over Into The source for this information can be viewed by clicking on the Info Button 1 Ly fe 1 ABS 1996 Causes of Death Australia Edition 3303 0 1999 Don t forget to click on OK or press Enter to make this pop up screen disappear SMART Comparitor 1st with the changes Accurate with the Information 33 Alternatively you may wish to show the client his her life expectancy Simply select that graph then choose gender then the age and presto you have a great visual Leading Causes of Death CC Death Causes by Age group ie Lite Expectancy Life Expectancy fi Male Female Age r BS BO oo E E a un oo cS Expected years remaining ih m bo boa co Lh 0 ESE ES ee eee un mm or SMART Comparitor 1st with the changes Accurate with the Information 34 f Leading Causes of Death r BS E cn Ln oo cn Sj in Lo cn Expected years remaining ho ba DJ cn Cc in Cc in oc a ia aa a IN co C Death Causes by Age group Life Expectancy Life Exp
25. a Business Expenses Income Protection etc with all policies having the same Lite Insured m Definitions You can then click on the icon to move into the full wordings SMART Comparitor 1st with the changes Accurate with the Information 30 In this section you may view any available benefit for the companies compared by simply selecting what it is that you would like to view Term Insurance Definitions Select definition to view Future Care Term Insurance Definitions Select definition to views ACAL Life Protection Plan LPP The Option sum insured is payable if you require future care You require tuture care if you are permanently unable to perform at least 2 of the activities of daily living without assistance Any payment made under the option reduces the amount of the sum insured under the Life Protection Plan by the Option sum insured Provided you continue to pay your premium and your plan continues cover for this option will continue until the first renevyal date after you turn 99 Future Care refers to the permanent inability ta perform at least 2 of the activities of daily living listed below without assistance bathing Showering dressingdundressing eating drinking using the toilet ta maintain personal hygiene getting in and out of bed a chair or wheelchair or moving fram place to place by walking a wheelchair or with a walking aid AZA Life Protection Plan
26. aken into account in the Fact Finder Once you finished this Data input simply click on the to close this Section up SMART Comparitor 1st with the changes Accurate with the Information 16 As with any data input please save your information regularly via the following icons Ae Information these being in order New Open Client Information Save Client File Options Help You can also retrieve saved data by going to clicking on File and then Open Client Information m Open Client Information Select the record below you want to open and click Open x Joe Baggadoughnuts Last saved 25 Now 2001 Display client a details Delete record To search for a client enter the first few letters of their surname Pm Open Client Information Select the record below you want to open and click Open Joe Baggadoughnuts Last saved 25 Moy 2001 D Cancel Select the client by clicking on their name then click Open Changes in colour Once your database increases you have the option of doing a search of your database simply by typing the first couple of letters of the client s surname To search for a client enter the first few letters of their surname The next step involves doing the electronic Fact Finder To launch this invaluable tool SMART Comparitor 1st with the changes Accurate with the Information 17 Total Risk Protection Fact Finder simply click on and you
27. ale aged 40 64 Female aged 15 39 Ci Female aged 40 64 Into graph that fits the client s profile Age amp Gender SMART Comparitor 1st with the changes Accurate with the Information 39 The graph will automatically default to Male Aged 15 39 You can select whatever you require by simply clicking the appropriate age and gender Common Cancers Male Aged 15 39 Male aged 15 f Male aged 40 f Female aged 1 Female aged 4 50 Ir Melanoma 44 DA testis 30 Percentage 26 Mon Hodgkin s Kaposi s Sarcc SMART Comparitor 1st with the changes Accurate with the Information 40 Don t forget to click on the button for further information as well as the source of data Cancer Did you know 1 In Navin 1999 there were 26 054 new cases of cancer 15 379 cancers were diagnosed in males and 12 675 cancers were diagnosed in females 2 in NS in 1999 there were 11 711 deaths from cancer BBY deaths were of males and 5 054 deaths were of females 3 Relative survival 5 years after diagnosis was greater than 75 for cancers of the breast body of uterus thyroid lip and testis melanoma oma K pla hae ft Medical Dictionary A new feature is the inclusion of a lin the program This feature is simple to use and only includes Medical Terminologies used in the Trauma Policies SMART Comparitor 1st with the changes
28. also between client partner via the following control panel C Partner Select graph to view Disability The Fact Finder and recommendations should take no more than 15 minutes to do If you find that it takes longer then practise practise and more practise SMART Comparitor 1st with the changes Accurate with the Information 22 How to use SMART Comparitor Income Protection Section If you are comparing Income Protection Policies you have the option of looking at the Benefits quick overview Definitions actual policy wordings or a graph Client Information Income Protection a Benet Comparison D Definitions Graphs When you click on Benefit Comparison the following quick overview of what benefits are or are not available for a particular company ies will appear Income Protection Benefit Comparison amp Professional White Collar Blue Collar CompanyProduct AcAL ACBL ACL lt Benefit C ee o e o e O a OO e ea a E Agreed value indemnify vae moemy Agreed Comments Accident Lumpsum S xtra Cost xttacost Edracot TT TT Tooo O aa a gt Coe yy A AY a E mea XI yy TI YT YT AY A E Blue Ribbon Benett for Doctors Dertte Swaen SI TT o S EtueFibbonPus Onion NI Ja D TJ JW N MWWYYAY ChidcareBeneft NT WT TA NS Chronic canon Ta YI IS SN ConfactDetsis SS SSSC dSCSCUNs Conversion onion Cd CU ae se a CoverExtensim Onion
29. altered This will not protect anyone who has not done his or her job properly LIFEPLAN If you are more into plans rather than CARs select the following icon LifePlan If you have already input the client details in the Client Information Client Details Fil ions Help Section then go to ele i a Company Product Sereemm eT SETEETTON click on either File or and select the client that you wish to do a LifePlan for Client Joe Baggadoughnuts e Next go to cient Joe Baggadoughnuts and click on the green arrow pointing down From here you have the option like the CAR to Customer Advice Record Adviser Bill Coudounellis Client Joe Baggadoughnuts f Client Partner CAR Options O View existing CAR fe Create new CAR Select CAR Blank W Create either view an existing LifePlan or creating a new LifePlan SMART Comparitor 1st with the changes Accurate with the Information 61 If you look at a Blank LifePlan it looks like this pen ae a oo Sosa aaa aa MaMa aaa alata aa Dada Dada Dada Dada Dada Dada Dada aa Da dada na a da Da Da Dada Dada dana a da nananana nanana nana a Da aaa aa daa aaa nanasan rana ra ranana rannan ara aaa a aranana arara nna naaran aaa aa a aa aaa aaa aaa aaa aaa sata Da aa da aa dada da da Ba Ba Da Dada an a ee a 5 g ee ee ee eee eee er D mm paren ee aaa a oe Tn oS rm casa E fk a atan 62 SMART Comparitor 1st with t
30. ate with the Information 70 location in which you want this download to be saved in Normally you would use either your My Documents folder or Desktop the choice is entirely yours You now have full control as to where the program is being saved Once this has been done then click on Save File name idates53 zip Save as type fal Files Cancel Open up your My Documents folder or whatever other folder you saved it in and the file is sitting there waiting for you to launch Zy Mu Documents al D 1001 Killer 2 ABS Address Adabi Jocuments Update 359 zip Double click on this icon and the following message will appear e353 zip File 7 WinZip Update353 zip File Actons Options Help Sea VvVvuEevuas New Open Favorites Add Extract Mie CheckOut Wizard Modified Size Ratio Packed Path E Update exe 11 10 2002 5 21PM 1 380 352 1 1 362 Total file 1 348KB Ow 4 Selected files 0 Bytes Double click on Update exe and the following Window will appear Win ip Self Extractor Update exe gt This will update the Data in SMART Cormparitor Setup i Click Setup to Install Cancel About SMART Comparitor 1st with the changes Accurate with the Information 71 Click on Setup and the program will automatically update Ifthe Update zip has a second file included namely an SCPatch exe file yy SCP atch e
31. ator Age Next Birthday 52 Smoker E Gender f Male Fem Occupation aa Company LEEN Sunk a D X Term Ir Select an occupation from the list or type in some portion of an occupation name to limit the list Product 2 Home Duties Home Maker Manual Worker Blue Collar Medical Professional Office Worker White Collar Professional ISkilled Trades Blue Collar Abalone Diver Abattoirs Butcher Boner 6 Abattoirs Inspector Abattoirs Process Worker Abattoirs Slaughterer Abattoirs supervisor Manual Work Abattoirs Supervisor No Manual Work Sbrasive Manutacturer Other Unskilled Abrasive Manufacturer Supervisor Account Executive Accountant Degree Accountant Other Cancel In the Occupation Search simply type in 3 tar4 letters of the particular occupation that you are searching for and then press the Search button Sum Ine Premiur Once you have done that then the following appears SMART Comparitor 1st with the changes Accurate with the Information 47 Term amp Trauma Premium Calculator Client Hote The premiums shown here are to be used as a guide only These results should be confirmed with the appropriate company s rate book premium calculator Age Next Birthday 52 Smoker C Gender f Male Female Occupation aa Company BREST a x Tenni Select an occupation from the list or type in some portion of an occupation name to l
32. e Next go to Z Stent Joe Baggadoughnuts and click on the green arrow pointing down SMART Comparitor 1st with the changes Accurate with the Information 58 Customer Advice Record Adviser Bill Coudounelliz Client Joe Baggadoughnuts f Client Partner c ew oF _res From here you have the Option of either Viewing an existing CAR or Creating a new CAR for either the Client or their Partner You also have the Option to Create a new CAR from the dropdown menu next to the create icon Once you click on this dropdown window you will be able to select from the following l 2 e 4 5 Blank CAR Income Protection CAR Term Trauma CAR Rollover CAR Total Protection CAR Once you have selected what it is that you want and then click the utton You now have a Template to adjust and save SMART Comparitor 1st with the changes Accurate with the Information 59 Basis of Advice ae al Was a Fact Finder undertaken C Yes f flo Reason andor Yes The advice it based on relevant information held on file hb Complete if applicable it was agreed that a limited range of products or a limited range of objectives was to be considered Summary of information and objectives upon which advice is based You are s Years of age married and self employed as a ou a currently have dependent children At present you haveno existing income protection insurance and you are conce
33. ectancy Male f Female Age 27 SMART Comparitor 1st with the changes Accurate with the Information 35 How to use SMART Comparitor Trauma Insurance Section As with the Term Insurance Section you can select companies anywhere throughout the program by simply clicking on this button _S Pany Product Selection As you will see once you have selected Trauma Insurance the icon moves up and a new set of sub icons appear on the left hand side Income Protection Term Insurance Trauma Insurance Benet Comparison Definitions Medical Dictionary From here you can have a quick overview of the benefits etc that are available through the selected companies simply by clicking on the Benefit Comparison icon on the left side of your screen Remember this is your steering mechanism for the program a Benefit Comparison SMART Comparitor 1st with the changes Accurate with the Information 36 Once this has been clicked the following will appear on your screen which is a quick overview of your preselected companies Trauma Insurance Benefit Comparison CompanyProduct Benefit RPP Deue Plus Ch Death Stand CI Death Ii E Enaco I bitte cos Hy A B Lam RR ANS S ER Ke e N l Extra Cost Cancer Cardiac Keyhole Surgery Cardiomyopathy Children s Recovery Option Extra Cost Extra Cost Chronic Diagnosis Advancement Benet Continuation Discount Conversion
34. eeds when considering which type of premium to accept Your adviser should be able to assist you in this regard So as you can see this program 1s much much more than a Comparitor Program that takes away your ability to think without taking away your Legal Responsibility SMART Comparitor 1st with the changes Accurate with the Information 68 How to Download Save Update SMART Comparitor This is for some people the hardest thing to do on the Internet We will endeavour to keep it as simple as possible Firstly connect to the Internet and start to receive your email When your email stops receiving you will have the following appear in your Inbox Inbox Unta From Subject HA Bill Coudounellis SMART Comparitor Next double click on the actual email in order to open it as below YG will also notice that there is an attachment accompanying the email the paper clip before the name Update353 zip Message HTML File Edit view Insert Format Tools Actions Help Ey Reply iy Reply to All 4E Forward F a i x me ee i From Bill Coudounellis Bill coudounellist froggy com au To smartcomparitor Ffroggy com au CE Subject Updates53 zip Attachments C Updates53 zip 1 MB Attached is thaAupdate to Smart Comparitor Once you Setup goto help about You should hava Data Yersion 353 Regards Bill Coudounellis Double click on the attachments icon in the bottom of
35. er screen Chent Information Client Details Total Risk Protection Fact Finder m Client Cover Requirements Client Details Once you have clicked on the first icon 1 e a new screen appears on the right side of your computer SMART Comparitor 1st with the changes Accurate with the Information 15 It looks like this Client Information Client Add Partner Children First name SUFI Date of birth 21 014973 Age next birthday 31 Gender C Wae Female Smoker i Occupation d Address Suburb State Postcode Y Phone Mobile Fax Email Client Information Client Details Total Risk Protection Fact Finder mi Client Cover Requirements General notes You can also keep your notes for that paper trail compliance in this database You can also search for a particular occupatighi out from our database of over 2000 occupations Simply click on the search button a Search box will appear Simply type in 3 to 4 letter of an occupation that you are searching for click on Search then select the occupation that best suits the clients occupation Children You can also _ ranner as well as Client Information Client C Partner Remove Partner Children Select Child i Child name Betty Add Date of birth j 307051990 Age next birthday 12 Delete who The children details are required for the cost of the education that is
36. he changes Accurate with the Information mith Rogers ld IN NI Ir a a a a a SMART Comparitor 1st with the changes Accurate with the Information 63 Term Life Insurance is a policy which provides the insured 4 This Drop Down Window has the amount of lite cover or protection which is payable only on following Information the insured and within a specified period often 65 years of k of this insurance is considerably cheaper than conventional 1 What is Term Insurance insurance which attracts regular bonuses and which has a What is Trauma Insurance value Term cover provides simple a protection against deat 3 What is Income Protection surrender value to the insured Insurance Aus sii What are Stepped and Level AS Your personal circumstances change Eis important to regularly revie plan suggest an annual review of your situation to discuss economic an lifestyle changes ie children new home changes in occupation etc to a plan continues to meet your needs Should you have any queries please do not hesitate ta contact this office for assistance Premiums Taxation All taxation information referred to in this plan is based on the continuance of current tax laws and their interpretation You should refer to information continued in the Customer Information Brochure and your tax adviser regarding your specific situation Costs All costs quoted are assuming normal health acceptance
37. ial Services Reform Act of Know you Client Income Protection Total Risk Protection Fact Finder Client Cover Requirements If you only want to compare Income Protection Insurance contracts click the Chent Information Income Protection Graphs SMART Comparitor 1st with the changes Accurate with the Information 11 If you only want to compare Term Insurance contracts click the Definitions Benefit Comparison Definitions Medical Dictionary SMART Comparitor 1st with the changes Accurate with the Information 12 Term amp Trauma Company Market Share SMART Comparitor 1st with the changes Accurate with the Information 13 Customer Advice Record Member Advice Record That was a very quick overview of how to navigate through the program SMART Comparitor 1st with the changes Accurate with the Information 14 How to use SMART Comparitor Client Information Section Now that you are fully converse with using the Income Protection Term and Trauma Insurance comparisons or at least are able to quickly and easily retrieve the relevant information we will move onto the next section which is keeping a database doing an electronic Fact Finder and showing your clients what their Insurance requirements are As you will see once you have selected Client Information the icon moves up and a new set of sub icons appear on the left hand side of your comput
38. il 2500 p m Over 24 Over 3 000 4000 p m Detailed P amp L statement for the past 2 financial years for self employed applicants OR full copy of Tax Returns for the past 2 years for employees To continue to view further comments click on the OK box when you are ready SMART Comparitor 1st with the changes Accurate with the Information 24 A special feature to SMART Comparitor is the inclusion of Benefit Explanation in Layman s Terms You can click on all the benefits situated onthe left hand side of the screen _ Compapyfoduct a Benefit Blue Ribbon Plus Option and a brief description will appear in layman s terms as to what that benefit means For example if you click on the Issue Date of CIB then the following will appear The date the Customer Information Brochure i lssued D To go into more in depth information click on the Definitions from the left side of your screen in the control panel This will then allow you to select a particular definition to view by scrolling down on the following drop down window Select definition to views sieme lina mtg e a SMART Comparitor 1st with the changes Accurate with the Information 25 When you have selected the benefit definition you want to view then the screen appears as such Income Protection Definitions ProfessionalWhite Collar Blue Collar Definition Lifetime Accident id ACAL Essential Indemnity Benef
39. imit the list h Product BeA Search Clear Broker Commodities Fully Qualified Broker General Insurance Broker Life Insurance Broker Stock Broker Wool Commodities Broker Min 3 years General Insurance Agent Broker All others General Insurance Agent Broker Provided as per Class 1 definition Insurance Agent Broker Others Insurance Agent Broker Provided as per Class 1 definition jLand Broker Life Insurance Agent Broker All others jLife Insurance Agent Broker Provided as per Class 1 definition Livestock Broker Buyer Dealer At Stockyard IPawnbroker Property Industry Land Broker Shopkeeper Proprietor Payynbroker Stockbroker Registered Cancel Sum Ine Premiur Wi As you will notice the 3 4 letters do not have to be the first set of letters for that occupation Now all you have to do is Click on the chosen occupation SMART Comparitor 1st with the changes Accurate with the Information 48 Term amp Trauma Premium Calculator iC Client Hote The premiums shown here are to be used as a guide only These results should be confirmed with the appropriate companys rate book premium calculator Age Net Birthday js Smoker m Gender Wae amp Female Occupation E Company ae em 4 X Tae Penn Select an occupation from the list or type in some portion of an occupation name to limit the list Procluct fora Search Clear Bro
40. it Plan EIGP Mo such Benefit ALA Priority Income PI No such Benefit AMP Standard Mo such Benefit AZA Essential Mo such Benefit Colonial Income Care Mo such Benefit IHG Income Safe 15 No such Benefit Income Safe Plus IS Mo such Benefit Lumley Life Platinum Mo such Benefit MLC Income Protection Standard IP Standard Mo such Benefit Royal Sun Income Replacement Policy IRF No such Benetit Suncorp Standard Income Protection SIP Benefits to age 65 are not available for heavy unskilled manual occupations in aur occupational category 53 Lifetime Benefit Period is only available for professional occupations in our occupational category SP and SM and only under Comprehensive Income Protection An extra Premium applies Tower Tower Protection Policy TPP Mo such Benefit Westpac Westpac Income Protection IP Mo such Benefit furich Special Risk Income Replacement Insurance Plus SRD Mo such Benefit In the graphs section of Income protection which looks like this f Chance of disablement by sickness Simply select what graph yo f Chance of disablement by accident f Chance that disablement is longer than 3 months Male Female wish to view or show the client 1 e Chance of disablement by sickness Chance of disablement by accident or Chance that disablement is longer than 3 months select the gender and the Age and your information is presented there and then SMART Comparitor 1st w
41. ith the changes Accurate with the Information 26 f Chance of disablement by sickness Chance of disablement by accident f Chance that disablement is longer than 3 mol Chance of disablement by sickness 7 Male Age 100 Percentage 20 File Options Help ae SA section located in E You also have the option to print by going to the top left hand corner of your screen and clicking on the printer icon You will then receive the following message Select printing a aa Sasa na naa options x Ta PELER e e oe E R 2 Click YES to print all definitions click NO to only print the current definition click CANCEL to abort Tes Ho Cancel Each company s definitions are over 20 pages in length SMART Comparitor 1st with the changes Accurate with the Information 27 How to use SMART Comparitor Term Insurance Section As with the Income Protection Section you can select companies anywhere throughout the program by simply clicking on this button sei a Peas eee een As you will see once you have selected Term Insurance the icon moves up and a new set of sub icons appear on the left hand side of your screen Income Protection Term Insurance Benefit Comparison Definitions From here you can have a quick view as to the benefits etc that are available through the selected companies simply by clicking on the Benefit Comparison icon on the left side of your screen
42. ker Commodities Fully Qualitied Broker General Insurance Broker Life Insurance Broker Stack Broker Wool Commodities Broker Min 3 years General Insurance Agent Broker All others General Insurance Agent Broker Provided as per Class 1 definition Insurance Agent Broker Others Insurance Agent Broker Provided as per Class 1 definition Ca a Life Insurance Agent Broker All others Life Insurance Agent Broker Provided as per Class 1 definition Livestock Broker Buyer f Dealer At Stockyard Payynbroker OK Property Industry Land Broker za Sum Insure Premium Ty TPD Optic Addition TPD Occ TPD Typi Shopkeeper f Proprietor Payynbroker stockbroker Registered Cancel Then click OK The result is that the occupation has now been inserted in the Occupation list Term amp Trauma Premium Calculator G Client Hote The premiums shown here are to be used as a guide only These results should be confirmed with the appropriate companys rate book premium calculator Age Next Birthday a Smoker W Gender O Male Female Occupation Land Broker L SMART Comparitor 1st with the changes Accurate with the Information 49 The next step involves the following Term amp Trauma Premium Calculator a Client Hote The premiums shown here are to be used as a guide only The confirmed with the appropriate company s rate book premium calcu Age Next
43. laimer This document if to be read in conjunction with your Financial Needs Analysis and the appropriate Customer Information Brochure This document is not intended to replace these tems nor does it constitute tax advice most care has been taken in this written analysis however should there be any discrepancies neither your adviser nor the company he represents can be held responsible as to whether or not the recommendations are appropriate to your circumstances what is Trauma Insurance E By contrast trauma Insurance is a protection provided to the insured against a major specified trauma occurring during the lite of the policy contract This type of policy provides a lump sum payment to allow the insured and their family to be in a position to make a financial commitment towards recovery fram this trauma The trauma conditions covered by the policy vill be listed in the policy document SMART Comparitor 1st with the changes Accurate with the Information 67 hemat Is Income Protection Insurance Income protection or income continuance insurance is a policy which provides the insured wih a level of income generally 755 of their existing income inthe event of the inzured s inability to continue working due to an illness or accident This illness or accident and the ability to no longer work must be verifiable by an acceptable medical examiner Income protection benefits can be established after a nominated benefit wai
44. nd side of the screen you can further expand the selection process to the following E Maca E M Professionalvhite Collar H i IF Blue Collar E 4 Term Insurance HM Trauma Insurance SMART Comparitor 1st with the changes Accurate with the Information 7 If you continue to click on the then the expansion increases even more E Citicorp Life Insurance Ltd Ey E w Colonial Mutual Lite Assurance Society Ltd DM IP Professionalavhite Collar ba o gt w Income Care Plus e Income Care El M IP Blue Collar P H v Income Care Plus i e Income Care El Siem Insurance baw Life Care Plan z w Trauma Insurance A ve Trauma Cover El Ml Archive E ENS Professionala nite Collar n v Income care 102001 912002 ee von a mw Plus 10 2004 9 2002 m IP Blue Collar ii e v Income care 102001 912002 is im a MHC Plus 10 2001 9 2002 i ve Term Insurance o Life Care Plan 10 2001 9 2002 El vl fa v Trauma Insurance Be IM Trauma Cover 10 2001 9 2002 H JING Life Ltd H Lumley Life Ltd The first thing that you will notice is that we now have archiving What that means to you is that from April this year 2002 we will keep on file all policy as they are updated In time you will have a complete record of policies as they are updated starting with April 2002 From here you can tailor make How and What you present Your selection of companies could be different for the
45. nsure aaa TPD Occupation EC Own a Any Leading Lite 300 000 51 3 e Recovery Cash Plus 200 000 31 TPD T f Singl t Doubl J E E Total Premium 219 00 To alter any quotation simply double click on the relevant one in the Quotes box and that will appear for you to adjust The next step is to Print Preview and Print The end result looks like this SMART Comparitor 1st with the changes Accurate with the Information 59 Quotations Important The premiums shown here are to be used as a guide only These results should be confirmed with the appropriate company s rate book premium calculator Australian Casualty amp Life Ltd Male aged 32 years Non smoker Occupation Accountant Degree Life Protection Plan Sum Insured 300 000 Stepped premiums Policy fee included Recovery Protection Plan Sum Insured 200 000 Stepped premiums Policy fee included Rebate 10 Additional TPD Sum Insured 100 000 TPD Own occupation Double Yearly premium 779 00 Half Yearly premium 416 37 Monthly premium 71 61 Two policy fees have been charged Only one is required if both Term and Trauma are on the same Life Insured and for part of the same policy Lumley Life Ltd Male aged 32 years Non smoker Occupation Accountant Degree Lumley Life Term Sum Insured 300 000 Stepped premiums Additional TPD Sum Insured 100 000 TPD Any occupation Single Platinum Sum Insured 200 000 Stepped premium
46. rned that you want to beable to protect the family and yourself inthe event of losing your income due to any Budden long term Recommended solution As a matter of priority you need to look at suitable income protectiqn insurance which will provide you with replacement income of 75 of your current inkome level in the event of any major illness or accident Features which can be determined by you Include the waiting period before a claim is paid and for how long the benetit can be Products recommended and reasons they vould be suitable day wating period and a Benefit Payment replacement accident or aC Income Protection policy with a Wears This policy will then provide you vith a suitable Your nominated income inthe event af any longer ter E Does advice meet all identifiedkeeds and objectives f No provide details i All you need to do here is complete the spots that are left blank and have a line where the answer should be 5 Once this is done click on the E button and the following window will appear Confirm Save D x A After the CAR ts saved you will be unable to make changes to the information Are YOU Sure you want to save SMART Comparitor 1st with the changes Accurate with the Information 60 This feature has been incorporated to protect you from any Compliance issues that may arise in the future Simply because once the CAR or LifePlan is saved it cannot be
47. s Additional TPD Sum Insured 100 000 TPD Own occupation Single Yearly premium 652 50 Half Yearly premium 345 82 Monthly premium 58 73 19 Mar 2003 Page 1 Lumley Life Ltd Male aged 32 years Non smoker Occupation Accountant Degree Lumley Life Term Sum Insured 300 000 Stepped premiums Additional TPD Sum Insured 100 000 TPD Any occupation Single Silver Sum Insured 200 000 Stepped premiums Additional TPD Sum Insured 100 000 TPD Own occupation Single Yearly premium 537 00 Half Yearly premium 284 61 Monthly premium 48 33 ING Life Ltd Male aged 32 years Non smoker Occupation Accountant Degree Leading Life Sum Insured 300 000 Stepped premiums Additional TPD Sum Insured 100 000 TPD Any occupation Single Recovery Cash Sum Insured 200 000 Stepped premiums Accelerated buy back option Additional TPD Sum Insured 100 000 TPD Own occupation Single Yearly premium 557 00 Half Yearly premium 286 85 Monthly premium 48 74 Term Business Safeguard option not included in these calculations See the ING rate books for more information 19 Mar 2003 Page 2 ING Life Ltd Male aged 32 years Non smoker Occupation Accountant Degree Leading Life Sum Insured 300 000 Stepped premiums Additional TPD Sum Insured 100 000 TPD Any occupation Single Recovery Cash Plus Sum Insured 200 000 Stepped premiums Additional TPD Sum Insured 100 000 TPD Own occupation Single Yearly premium
48. s should be confirmed with the appropriate company s rate book premium calculator Age Next Birthday 32 Gender f Male C Female Smoker State Occupation Accountant Degree J Compan Australian Casualty amp Life Ltd Term Insurance Trauma Insurance Resutts Product Recovery Protection Plan SUM Ingured 200000 Rebate 5 I 0 Premium Type C Level t Stepped Accelerated Buy Back Policy Fee Included Ww TPD Options Additional TPD Sum Insured i ooo00 TPD Gecupation fe Onn Any TPD Type f Singe amp Double SMART Comparitor 1st with the changes Accurate with the Information 56 Now click on the Results tab Term amp Trauma Premium Calculator f Client Hote The premiums shown here are to be used as a guide only These results should be confirmed with the appropriate companys rate book premium calculator Age Next Birthday 32 Gender Male Female Smoker State Occupation Accountant Degree a Compan Australian Casualty amp Life Ltd Term Insurance Trauma Insurance Results Term Premium 222 00 Total Premium Term TPD Premium Yearly ff 9 00 Trauma Premium 346 00 Half early 416 37 Trauma TPO Premium 59 00 Monthly 71 61 Policy fee 150 00 Add quote to list Motes Two policy fees have been charged Only one is required if both Term and Trauma are on the same Lite Insured and for part of the same policy You will now need to click on the Add quote to list icon
49. snoddasdonooos sinks ssaa 69 Mission Statement 0c00000s00esseosessessossssssssssessessesesssssessessesscososssssssessessessessossssssssssess 74 SMART Comparitor 1st with the changes Accurate with the Information 2 Installation of SMART Comparitor Double click on your D or whatever it is called drive in My Computer Hy Computer File Edit View Favorites Tools Help de Back mb EA Search L 4 Folders x FE Ir B oo Eil Address KE My Computer T Go TRA be T E My SMART 1 IC Removable Control Panel 010913 1058 Computer Disk E Select an item to view tts description Displays the contents of your computer See also My Documents Mu Network Places Dial Up Networking 4 objectis ka Mu Computer Zz SMART Comparitor 1st with the changes Accurate with the Information 3 The following will then appear Update Files User Manual Winzip amp 0 InstMsig exe InstMsiw exe setup exe setup ini Smarboamp setup Double click on and you are on your way to installing SMART Comparitor Update Files Once this has been done open the folder by double clicking on it until the Win ip Self Extractor update exe 5 This wall update the data in SmartComparitor Click SETUP to continue Cancel KN a About If you are a first time user you will be prompted to give us a call for a Validation Code Without this code
50. the program will not work it will have Expired even though you have just installed it Also included on the CD is an unregistered version of WinZip 8 0 located in the folder called There is also a direct link to www winzip com in our Links page Double click on this and the following appears To install winzip8 double click on the Setup icon and follow the prompts SMART Comparitor 1st with the changes Accurate with the Information 4 This has been included in order for you to be able to zip and save your own files as you require as well as the Fact Finder and Client Information in SMART Comparitor You are under no obligation to use WinZip for backing up there are many other backup programs available and you may be using a better one at present The last thing which will be the first 1s the user manual for SMART Comparitor User Manuals and the following will appear To access this double click The User Manual has been saved in pdf format 1 Adobe Acrobat Reader Adobe Acrobat Reader is also available from our website The Link to Acrobat reader is located in our Links page with the URL being http www adobe com products acrobat readstep html The SMART Comparitor User Manual is likewise located on our website for direct downloading either now or in the future This file can be located in our Update page SMART Comparitor 1st with the changes Accurate with the Information 5
51. ting period 30 days 60 days or longer if required In this case the benefits do not start until the period has passed following the illnessfaccident If you have lengthy sick leave entitlements and a good employer then you may be more Inclined to choose a longer benefit payment period In addition you can choose for how long the benefit will continue to pay subject to continuance of the illnessincapact For example payments could continue for as little as two years or for as long as you need upto age 65 years What are Stepped and Level premiums Premiums must be paid to validate any insurance policy In exchange for hese premiums the insurance company agrees to pay the benefits outlined within the policy be tt a lump sum payment on death or trauma or an income stream replacement Premiums can be either level or stepped A level premium results in the premium being determined far the lite of the contract and each year s premium vill basically be the same for the insured That is t does not vary apart from CPI increases On the other hand a stepped premium commences on the lower side but will increase each year with higher premiums being paid when the insured in alder Stepped premiums often seem attractive ta younger clients as t reduces their costs early in life However as they get alder they sometimes will baulk at the size of the new increased premium All clients should think caretully and assess their longer term n
52. tor 1st with the changes Accurate with the Information 66 hemat is Term Lite Insurance Term Life Insurance is a policy which provides the insured with a set amount of lite cower or protection which is payable only on the death of the insured and within a specified period often 65 years of age The cost of this insurance i considerably cheaper than conventional or permanent insurance Which attracts regular bonuses and which has a surrender value Term cover provides simple a protection against death and has no surrender value to the insured Ongoing service AS your personal circumstances change tis important to regularly review you financial plan suggest an annual review of your situation to discuss economic and personal lifestyle changes ie children new home changes in occupation etc to ensure that your plan continues to meet your needs Should you have any queries please do not hesitate to contact this office for assistance Taxation All taxation information referred to in this plan is based on the continuance of current tax lays and their interpretation You should refer to information continued in the Customer Information Brochure and your tax adviser regarding your specific situation Costs All costs quoted are assuming normal health acceptance where applicable and at the quoted age Should any change occur between applying for and being accepted for your Insurance You should notify me immediately Disc
53. ums The Trauma was done on non association business Level premium and Any Single TPD with Accelerated Buy Back SMART Comparitor 1st with the changes Accurate with the Information 51 Once in the Results Sections Term amp Trauma Premium Calculator amp Client oF Male O emale Occupation Accoul Australian Casualty amp Lite Ltd E a Bohan A e i You have the premium split up SMART Comparitor 1st with the changes Accurate with the Information 52 If you need to make any changes the following Button appears Simply click on that after the changes have been mad and you have you new premiums I Term amp Trauma Premium Calculator Client AcCCOuU Australian Casualty amp Lite Ltd 5 poge ae seen sets SMART Comparitor 1st with the changes Accurate with the Information 53 As more and more companies quotations systems are introduced into the program the following rules will apply 1 Make sure that the company you want to quote has been selected in the Company Product selection da window Failure to select a company or a product will prevent you from comparing all the premiums 2 You only need to data input the sums insured once and once only 3 When you have finished the first company simply click on the ___ fede quate to st This will then cause the quote to move to the right side of the screen like this Quotes Clear
54. where applicable and at the quoted age Should any change occur between applying for and being accepted for your Insurance you should notify me immediately Disclaimer This document it to be read in conjunction vith your Financial Weeds Analysis and the appropriate Customer Information Brochure This document is not intended to replace these tems nor does it constitute tax advice Otmost care has been taken in this written analysis however should there be any discrepancies neither your adviser nor the company he represents can be held responsible as to whether or not the recommendations are appropriate to your circumstances When you select new LifePlan the following plan appears CAR Options O View existing LitePlan SMART Comparitor 1st with the changes Accurate with the Information 64 Your current position Ou are Wears of age currently working a a a salary package of approximately pekon to al You fill in the Blanks sher are OLStanding liabilities of You are married vith two young children and you hayetidicated that thain lite Insurance that you oven is aterm policy for with El Your needs and objectives Through our dizcussions you have indicated that you are currently concerned with the protection for ATeewwite and family inthe event of some premature problem for Yourself ether by death treeaggior disability In addition since you are now self employeteagu vould like to be in a position where
55. xe To launch this file simply double click on it and the following will appear Win ip Self Extractor SCPATCH EXE To unzip all files In SCRATCH EAE to the specified Unzip folder press the Unzip button Unzip To Folder Aun Wir C Program Ale AS martlomparitor 7 4 Close if Overwrite Files Without Prompting Winzip Self Extractor 1 file s unzipped successtully OF a a a a a a a a a a a a a a a a a a After this click the close button and presto it s done SMART Comparitor 1st with the changes Accurate with the Information 72 How do you know is the update has worked After you have completed the above steps launch SMART Comparitor from either your desktop or from Start Programs SmartComparitor then click update or cancel from the File Options Help and the following Select Companies window then go to Help About window will appear About SmartComparitor Ez SmartComparitor e version 1 2 11 Data Version 361 2001 Bill Coudounellis Designed by Mick Rogers This program will expire on 1 Jan 2004 The content and design of this program i protected under Australian Copyright laws Unauthorized use or duplicating is strictly forbidden without the written permission of the copyright holder Offenders will be a prosecuted If the information is the same as what we have advised in the email then your program has updated successfully SM
56. y E b J Gender amp Mae 7 Female Smoker Occupation A Company Term Insurance Trauma Insutance Results Product Sum Insured o A Premium Type x C Level i stepped 5 Policy Fee InMuded we TPD Options x Additional TPD Sum Insured TPD Occupation C Own f Any a TPD Type f Singe Double 1 In this section you simply complete the details like Age Gender Smoker Non Smoker and Occupation or simply click the box land do an occupation search by typing in 3 4 letter of an occupation that you are searching for These 3 4 letter can be anywhere in the spelling of the occupation 1 e the first 3 middle 3 or last 3 a a a a T a a a a a You first Step 1s to complete age next birthday tick for smoker or un tick for non smoker select gender and then click on the drop down box and select the occupation Occupation Selection You have the option of either scrolling through 2 000 odd occupations or alternatively SMART Comparitor 1st with the changes Accurate with the Information 46 Age Next Birthday Gender amp Male Female Smoker Occupation click on this box S and the following will appear Term amp Trauma Premium Calculator Client Hote The premiums shown here are to be used as yac only These results should be confirmed with the appropriate company s rate book premium calcul

SMART Comparitor User Manual

Contents

Download Pdf Manuals

Related Search

Related Contents