PROMOTION & MAINTENANCE

REQUIREMENT

DISCLAIMER
This presentation is prepared with much of the complex details simplified to ease your understanding.
Inevitably, some of the details describing the contents herein has been generalized or simplified. Whilst every
care and diligence been taken to ensure accuracy and comprehensiveness, should there be any discrepancy
between the contents herein and that of the agency contract, agency rules & regulations and e-circulars
issued the latter collectively shall prevail. For the avoidance of doubt this proposal presentation has no
legally binding force and shall not be deemed as an offer or invitation to treat by any parties hereto or being
presented the proposal presentation.

CAD/AAD/ver 1.0/05.2015
 REVISED
Promotion & Maintenance Requirements
wef 1.1.2012
PROMOTION & MAINTENANCE REQUIREMENT

PROMOTION
PROMOTION REQUIREMENT: to LIA
MOTION REQUIREMENT: to LIA
RANK Year 1 Final Year PR Course/ Man
Exam power
PS PS

AGENT TO LIA 75k 125k 85% (PS) SBM/ASLP Must

& CEILI be full
time

CA TO LIA N/A 125K 85% (PS) CEILI Must

be full
time
PROMOTION REQUIREMENT: Agent to USM

RANK Year 1 Final Year PR Course/ Man

PS & DIA PS & DIA Exam power

AGENT TO USM 75k with min 50k (PS) & 150k with min 75k(PS) & 85% BAMC 4 DIA*
balance from DIA balance from DIA (PS) &
& & CEILI
24 NOC (PS) 24 NOC (PS)
( 2015 onwards : ( 2015 onwards :
Smart Invest Premier – Smart Invest Premier –
capped to 6 cases ) capped to 6 cases )

* NOTE on Manpower : DIA are Directly Introduced Agents

Must have 4 DIA as at end of 2nd qualifying year of which :
- of the 4 DIA , 2 DIA must produce a min RM24K with a min 12 NOC of ILP each or RM50K each
AND
- All DIA must meet prevailing conditions to be a Qualified Agent

THE NEXT SLIDE CLARIFIES MEANING OF DIA…..

PROMOTION GUIDELINES:

Promotion to USM: Directly Introduced Agents (DIA)

1. Only Agents introduced directly / personally will be counted as DIA for an
applicant applying for promotion to USM. Agents introduced by another
Introduced Agent will not be counted. EXAMPLE…..
When Agt 1 applies for promotion, only Agt 2
GSM and Agt 3 will be counted as intoduced agents
PROMOTION/MAINTENANCE GUIDELINES:
When USM 1 applies for promotion, Agt 1,2,3,4
and 5 will be counted as QA
USM 1

AGT 2 AGT 1 AGT 3 AGT 4 AGT 5

Introduced Introduced Introduced Introduced

PROMOTION GUIDELINES:

Promotion to USM: Directly Introduced Agents (DIA)

2. The Introducer relinquishes an Introduced Agent when an introduced agent
is promoted before the introducer is promoted. The promoted introduced
agent will not be counted as introduced agent when the introducer applies for
promotion. This does not apply when both the introducer and introduced
agents are promoted on the same effective date.

GSM Example :- Agent 1 introduced Agent 2. Agent

2 was promoted to LIA in 2012
When Agent 1 applies for promotion to USM in
2013, Agent 2 will not be counted as DIA for
LIA USM 1 Agent 1.

AGT 2 AGT 1 AGT 3 AGT 4 AGT 5

Introduced Introduced
PROMOTION GUIDELINES:

Promotion to USM: Directly Introduced Agents (DIA)

Important Note :
a) Only Agents introduced directly / personally when the Introducer is holding the
rank of Agent/CA/LIA will be counted as Introduced Agents for an applicant
applying for promotion to USM.
Example : A (Agent) was recruited by B (USM) in year 2004. When B
demoted to Agent in 2007 and if B wants to be promoted to USM
again in 2012, A will not be counted as Introduced Agent for B.

b) The Introducer relinquishes his “Introducer role” once he is promoted to USM

Example: A (Agent) was introduced by Agent B in year 2004 when B was

holding the rank of Agent. B was promoted to USM in 2005 and demoted to
Agent in 2007 and if B wants to be promoted to USM again in 2012, A will not
be counted as Introduced Agent for B.
PROMOTION REQUIREMENT: CA/LIA to USM

RANK Year 1 Final Year PR Course/ Man

PS & DIA PS & DIA Exam power

CA/LIA TO USM 150k with min 75k(PS) 85% BAMC 4 DIA*

balance from DIA & (PS) &
24 NOC (PS) CEILI
( 2015 onwards :
Smart Invest Premier –
capped to 6 cases )

* NOTE on Manpower
4 DIA as at last qualifying year of which :
- 2 DIA must produce a min RM24K with a min 12NOC of ILP each or RM50K each
AND
- All DIA must meet prevailing conditions to be a Qualified Agent
 PROMOTION REQUIREMENT: USM to GSM
RANK YEAR 1 YEAR 2 FINAL YEAR PR Course/ Man
DG* DG* DG* Exam power

USM TO GSM 300K 400K 450K 85% (DG) EMS/PP 4 QA

& (DG)
CEILI +2
DUSM
USM TO GSM I.2 MILLION (DG) 85% (DG) EMS/PP 4 QA
FOR 2 CONSECUTIVE YEARS & (DG)
CEILI +2
DUSM
DG* Senior USM may only utilize 100% his/her parallel’s production for up to a maximum of 3 years only from
the date of promotion of the direct junior USM

•NOTE
Qualified DUSM- is a USM reporting directly to the USM working for his promotion and who has
met the minimum maintenance requirements in the qualifying year
e.g to be a qualifying DUSM for 2015, the DUSM must have met the min production, PR,
manpower and CPD for 2015.

THE NEXT SLIDE CLARIFIES ON WHO CAN BE RECOGNISED AS DUSM…..

 Promotion: USM to GSM: Direct USMs
1. Only USMs promoted from the direct unit of a USM will be counted as DUSM for a
USM applying for promotion to GSM. USMs not promoted from the DU of a USM or not
directly reporting to the USM will not be counted I.e the USM applying for promotion must
be the immediate officer for the DUSM. EXAMPLE….

When USM 1 applies for promotion, USM 3 will be

When USM 1 applies for promotion, only
counted as DUSM as USM1 is the IO. Note: AGT 1
USM 2 will be counted as DUSM relinquishes AGT 3 who is promoted before AGT 1

GSM GSM

USM 1 is IO USM 2 is IO
USM 1 is IO of USM 3
of USM 2 of USM 3
USM 1 USM 2 USM 3 USM 1 USM 3

AGT 2 AGT 3 AGT 3 is

AGT 1 AGT 3
AGT 2 and AGT promoted before
3 are promoted AGT 1
together
Introduced
Introduced
 Promotion: USM to GSM: Direct USMs

2. USMs promoted from the direct unit of a USM at the same effective date as the USM
promoted to GSM will be counted as DUSM for the USM applying for promotion to GSM.
EXAMPLE…..

When USM 2 applies for promotion to GSM 2, both USM 3

and USM 4 will be counted as DUSM

AGT 3 & AGT 4 are

GSM 1 GSM 2 promoted to USM
together with USM 2 who
is promoted to GSM 2

USM 2 USM 3 USM 4

AGT 3 AGT 4
Promotion: USM to GSM: Direct USMs
Important Note:
The Agents introduced direct/indirectly by the Agent promoted to Direct USM at the
same time, shall not be used as QA by the USM working for his promotion to GSM.
Example: USM1
USM1 is working for his promotion to GSM effective 1.1.2013. He already has 1 Direct USM: USM2.
A1 A10
USM1 has 11 Agents in his DU (A1, A2, A3, A4, A5, A6, A7, A8, A9, A10 & A11)
A6 A8
USM1 introduced A1, A6, A8 and A10 A11 A2, A3, A4, A5
Agent A1: Introduced A2, A3, A4 & A5; Agent A6 : introduced A7 & A9; Agent A2 : Introduced A11 A7, A9

USM1 and A1 have successfully applied for promotion to GSM and USM effective 1.1.2013
USM1 can count USM2 (provided he meets the QUSM requirements) and A1 as his Qualified DUSM (provided he
qualifies to be promoted to USM).
However, USM1 cannot count as QA the Agents introduced (both direct & indirect) by A1 as they would be
transferred to the A1 upon his promotion.

USM1 may use A6, A8, A10, A7 or A9 as his QAs (provided they meet the QA requirements) for his promotion to
GSM.
A1 may use A2, A3, A4 & A5 as his QAs (provided they meet the QA requirements) for his promotion to USM.
Upon A1’s promotion to USM, both direct and indirect agents i.e A2, A3, A4, A5 & A11 would be transferred to A1
PROMOTION & MAINTENANCE REQUIREMENT

REDESIGNATION
REDESIGNATION REQUIREMENT:

For demoted GSMs/USMs/CA wef 1.1.2015 :

RANK Production PR Course / Man REMARKS
Exam power
IN THE YEAR OF DEMOTION

AGENT TO 75K (PS) Not

LIA required

AGENT TO 75K (PS) Not 4 QA

USM required

USM TO 300K+ (DG) Not 8 QA (DG)

GSM required * Includes parallel
USM(s) production
OR
100K (DG) Not 8 QA (DG)
and required
400K (WU)*
PROMOTION & MAINTENANCE REQUIREMENT

MAINTENANCE
MAINTENANCE REQUIREMENT: AGENT RANK
MUST PASS CEILI
WITHIN 6 MTHS
AGENT

OPTION 1
OPTION 2 ( 2015 only )
min production of 18K OR min prod. of 12K and min 6 NOC regular
(dual agency – 3 NOC Traditional / ILT premium ILP
must be from GETB) b (dual agency – 3 NOC regular contribution
ILT must be from GETB)
pro-rated for those appointed in year of review
pro-rated for those appointed in year of review
9k and 5 ILP NOC - 1st Quarter
13.5K - 1st Quarter
6K and 4 ILP NOC - 2nd Quarter
9K - 2nd Quarter
3K and 3 ILP NOC - 3rd Quarter
4.5K - 3rd Quarter
0 K and 0 ILP NOC - 4th Quarter
0K - 4th Quarter

+ PR 85%
Review is conducted once a year as at end of December of a year and the
review period covers 1st of January to 31st of December of a year.
 MAINTENANCE REQUIREMENT: CA

RANK Production PR Man REMARKS

PS power

75K 85% Failure to meet 2 consecutive

CA (PS) years will result in demotion .
Condition applies.

Note :
1) Failure to meet requirements for 2 consecutive years will result in demotion.
2) This rule will only apply on condition in the year that the CA fails to meet the required quota , the
CA must achieve at least RM 40K failing which he will be demoted. Eg,.
2012 : Secured 40K and PR 80% (qualified to use 2 consecutive year rule)
2013 : Secured 75K and PR 85% (met requirements for 2013)
2014 : Secured 30K and PR 85% (did not qualify to use 2 consecutive year rule and will
be demoted 1.1.2015)
MAINTENANCE REQUIREMENT: CA

CONDITION TO BE ALLOWED TO USE 2 YEARS RULE…

Failure to meet requirements for 2 consecutive years will result in demotion.

This rule will only apply on condition in the year that the CA fails to meet
the required quota , the CA must achieve at least RM 40K failing which he
will be demoted.

EXAMPLE….
2013 2014 Met /Not Met
CA 1 75K 40K Met prod req
CA 2 40K 75K Met prod req

CA 3 40K 40K Failed for 2014.

Demote 1.1.2015
CA 4 75K 30K Failed for 2014.
Demote 1.1.2015
 MAINTENANCE REQUIREMENT: LIA

RANK Production PR Man REMARKS

PS DG WG power

85% Failure to meet 2 consecutive

LIA 125K (PS) years will result in demotion .
Condition applies.

Note :
1) Failure to meet requirements for 2 consecutive years will result in demotion.
2) This rule will only apply on condition in the year that the LIA fails to meet the required quota ,
the LIA must achieve at least RM 50K failing which he will be demoted. Eg,.
2012 : Secured 50K and PR 85% (qualified to use 2 consecutive year rule)
2013 : Secured 125K and PR 85% (met requirements for 2012)
2014 : Secured 40K and PR 85% (did not qualify to use 2 consecutive year rule and
will be demoted 1.1.2015)
 MAINTENANCE REQUIREMENT: USM

RANK Production PR Man REMARKS

PS DG WG power

100K 85% (DG) 4 QA Sr. USM may utilize the Jr. USM
USM (DG) prod:-
a) 1st yr 50% (Jr USM promotion)
b) 2nd yr 25% (Jr USM promotion)

Note :
MAINTENANCE REQUIREMENT: USM
1) Mandatory program for newly promoted USM:
( i ) Failure to complete the post-promotion training in the year of promotion (Year 1) shall be considered
as non-fulfilment of maintenance requirement for that particular year
( ii ) For those who failed to attend the the post-promotion training in the year of promotion (Year 1) are
required to complete the said training in the following year (Year 2 ), failing which shall result in demotion
in Year 3
2) Failure to meet requirements for 2 consecutive years will result in demotion.
 MAINTENANCE REQUIREMENT: GSM

RANK Production PR Man REMARKS

PS DG WG power

GSM 300K 80% 8 QA

(WG) (WG)

100K 400K 80% 8 QA Sr. GSM (WG) may utilize the Jr.
OR (WG) (WG) GSM prod:-
st
a) 1 yr 50% (Jr GSM promotion)
OR 100K 300K (Life) 80% 8 QA b) 2nd yr 25% (Jr GSM promotion)
& 100K (WG) (WG)
(GI/PA/HL)

1) Mandatory program for newly promoted GSM:

( i ) Failure to complete the post-promotion training in the year of promotion (Year 1) shall be considered
as non-fulfilment of maintenance requirement for that particular year
( ii ) For those who failed to attend the the post-promotion training in the year of promotion (Year 1) are
required to complete the said training in the following year (Year 2), failing which shall result in demotion
in Year 3
2) Failure to meet requirements for 2 consecutive years will result in demotion.
PROMOTION & MAINTENANCE REQUIREMENT:

Qualifying Agents (QA) for promotion & maintenance

QA –are agents with an inforce contract as at 31st Dec of the year
concerned and having fulfilled:
2015 - ( a ) RM18,000 or ( b ) RM12,000 + 6 regular premium ILP NOC

2016 onwards - RM18,000

Important Note:
a USM or a GSM shall not count himself as a QA except
when qualified under the half quota as explained in the
following slides
MAINTENANCE REQUIREMENT:

HALF QUOTA: PRODUCTION AND MANPOWER

All those who have qualified or will be qualifying in the

future will be required using the “old” maintenance quota
& manpower per the 2006 requirements.

Qualifying criteria for half quota remains the same

MAINTENANCE GUIDELINES:
CLARIFICATION
Maintenance : Half Quota Qualifiers
For the waiver of Manpower –Qualifying Agent requirements:-

• Manpower for USM shall be 2 ((USM himself/herself plus 1 direct agent or CA)
• Manpower for GSM shall be 4 (GSM himself/herself plus 3 agents which may be
direct agents or direct CAs and USM and USM’s group).

To be counted as manpower, the agent must be a Qualifying Agent. To be a

Qualifying Agent, the Agent must be in force as at end of respective year e.g
31/12/2012 and have met RM18,000 or 12,000 + 6 regular premium ILP NOC
on a calendar year basis. This includes the USM/GSM himself/herself who
decides be included as one of the manpower count.
MAINTENANCE GUIDELINES

Maintenance : Half Quota for CA

CAs: for those who qualify and apply for 50% waiver for production quota, the
production requirements shall be as follows:
Option I: production without NOC:
½ of RM 60,000 per annum i.e RM 30,000 per annum.
All other maintenance requirements remain status quo
Failure to meet maintenance requirements in 2 consecutive years will result in
PROMOTION/MAINTENANCE
demotion. This rule will only apply on condition in the GUIDELINES
year that the CA fails to meet
the required production quota, the CA must achieve at least a minimum of
RM18,000.

Option II: production with NOC

½ of RM 40,000 + 24 NOC per annum i.e RM 20,000 +12 NOC per annum,
All other maintenance requirements remain status quo
Failure to meet maintenance requirements in 2 consecutive years will result in
demotion. This rule will only apply on condition in the year that the CA fails to meet
the required production quota, the CA must achieve at least a minimum of
RM12,000 + 6 NOC.
REF: Circular dated 17th Aug 2011 Ref CAD/1132/AUG2011/SM
MAINTENANCE GUIDELINES
Maintenance : Half Quota for LIA
LIAs who qualify and apply for 50% waiver for production quota, the
production requirements shall be as follows:

½ of RM 125,000 per annum i.e RM 62,500 per annum.

All other maintenance requirements remain status quo

Failure to meet maintenance requirements in 2 consecutive years will result
in demotion. This rule will only apply on condition in the year that the LIA fails
to meet the required production quota, the LIA must achieve at least a
minimum of RM25,000
Important note:
Management reserves the right to increase the minimum amount to be met in the year the CA/LIA
does not meet maintenance production requirement if the prevailing maintenance production
requirement for Agent rank is higher than that mentioned above.

REF: Circular dated 17th Aug 2011 Ref CAD/1132/AUG2011/SM

Thank You