1st Life Financial Planner Ester Sy communicates with 1st Life Cebu to with the new system

1st Life continues to improve its services to customers with the implementation of a unified data and voice communication system among its branch offices in Metro Manila and the provinces. The streamlining of its nationwide data and voice connectivity infrastructure is in line with the Company's philosophy of "Putting its Customers First". The new system allows for the seamless access of customer information among its offices without sacrificing data security and integrity. This latest initiative will redound to the benefit of our valued customers by way of improved reliability, timeliness, and accuracy of service delivery.

Along with this, our customers in Metro Manila who wish to contact our Pasig or Manila branch office or Makati Headquarters only need to dial one number, that is, 893 3024 and their calls will be connected to any branch or head office for any transaction. For our provincial branch offices, we are keeping the same contact numbers (please see the list below).

1st Life Pampanga (045) 963-1009
1st Life Cebu (032) 232-9894
1st Life Bacolod (034) 433-0429

With strong commitment of service to policyholders, 1st Life aims to meet customer requirements by embarking on initiatives that bear valuable benefits and service delivery experience to customers.

Learning With the Best: 1st Life's Lorna Lao attended the recently concluded Million Dollar Round Table Convention in Toronto, Canada where the world's top financial planners converge and learn from experts in estate planning, taxation, business, law and other vital concerns to life insurance and financial services professionals. "We are constantly learning and growing in this business", says Lorna.

Savoring Success: 1st Life's Lorna Lao Takes Pleasure in Serving Clients with Products that will Help them Plan their Future.

Earning Your Client's Trust: 1st Life's Josie Gotohio meets with a client to discuss how life insurance can help provide for children's education.

They don't carry a big attaché case then peddle their goods like a typical salesman. Instead, they bring with them intelligence, warmth & their designer bags with life insurance proposals ready for a prospect. Armed with the knowledge that their product is worth hearing-out, 1st Life's Top of the Table* achiever Lorna Lao and Court of the Table** qualifier Josie Gotohio, meet with prospects and win over their trust with the confidence they exude in their job as Financial Planners. Lorna & Josie knew right from the start that this kind of profession is different than handling a business. Dealing with people, their varying financial requirements is a different territory for these entrepreneurs at heart.

TRUST

In establishing a client-financial planner relationship, trust is an important factor. A good financial planner or agent should be someone you can talk to about your finances and plans for your loved ones. They will be the one to take care of your dreams and make sure that they come true. "You create a client-agent relationship that blossom into a friendship through time," Lorna said. The financial planner should be attuned to his or her customers' goals in life and one who is acting in their best interest. After all, the key to a good client/agent relationship-indeed with any relationship for that matter-is mutual trust.

HEART

"Heart," Josie said. "This is a major factor why I find my job rewarding." This career entails finding a solution to a problem that is not yet there. "You want to provide for your family's future or you want to make sure your kids go to a good school, these worries have to be assured before they even become a problem." As a financial planner where the mindset is to be proactive, solutions are set up or done for prevention rather than to act only when problems arise.

IMPACT

The opportunity to have a career through which one is able to help people build their future is found in a financial planner's job. "I am overwhelmed by how much my job has affected other people," said Josie. The main task for this profession is to discover clients' needs and help map out solutions to address them. That means taking the time to understand each person's financial situation, values and goals, whether it be ensuring that families maintain their standard of living and keep their homes if something unexpected happens or to provide needs-based analysis and solutions to help families build estates for their children and grandchildren.

FREE TIME

Shopping is said to be therapeutic and this is what Lorna & Josie do in their free time. As financial planners, they can juggle their appointments and spend time checking out the latest trends in shopping malls. "All jobs are demanding and requires your full attention, but as a financial planner, I can make sure I have time for myself and my family" Lorna quips. "You won't be able to function well if you're too stressed on the job, so in my free time, I roam the halls of the malls," Josie adds.

BETTER PAY

A financial planner can indeed manage his or her time and there is also big monetary reward in store for them. While employed individuals receive a salary from their employers, this kind of profession earn their keep from their income which fluctuate from month to month. "In my job, I get more, if I make more" Lorna said. These ladies make sure that they complete their monthly and annual quota to bag the 1st Life drive prizes as well as their huge commissions.

ROOM FOR GROWTH

"The competition in our business is fierce, any new knowledge regarding my craft is a welcome addition for me," Josie said. Adhering to 1st Life President Peter Coyiuto's dedication to continuing education, Lorna & Josie both earned their Fellowship designations from the Life Underwriters Training Council (LUTCF) conducted by the Life Underwriters Association of the Philippines (LUA-P) of which the former is the current Vice-President. LUA-P helps spread the gospel of life insurance to the public through the projects they conduct.

PASSION

Passion is what propels these achievers to strive and be great in the business. "Reaching the Top of the Table of the Million Dollar Round Table is a feat for me, but this does not mean, I will stop and rest on my laurels," Lorna said. "My 15-year consistent qualification to the MDRT is proof of my tenacity in this ever changing business," Josie adds. A career as a financial planner is like running your own business. It's a career to help people solve their problems and not encounter them again. They are here to advocate good health and risk management. For 1st Life's Lorna & Josie, dealing with people, their finances, their quirks are indeed a different territory for them but they're loving every minute of it.

*Top of the Table- is the highest designation of the Million Dollar Round Table, an international association of less than 1 % of the world's best life insurance & financial services professionals.

**Court of the Table- is the second highest designation of the Million Dollar Round Table, an international association of less than 1 % of the world's best life insurance & financial services professionals.

July 2008 - 1st Life Supports Youth Baseball

1st Life Top Honcho, Peter Coyiuto (extreme right) showed support to his team the 1st Life Scholars led by group manager Abet Catangui (2nd from right). In photo are some of the 1st Life Scholars team members with First Life Manager for Individual Insurance Marketing Department Arnold Manapat (extreme left) and First Life Unit Manager Teresita Perez (4th from left).

1st Life promotes the importance of sports in the young with its participation to the 2007-2008 International Little League Association of Manila (ILLAM). Keeping with its corporate organizational philosophy of Respect for the Community, First Life supports ILLAM as team sponsor of '1st Life Scholars.'

"We fulfill our social responsibility by way of projects that contribute to the promotion of community building and family well-being, " said 1st Life President Peter Coyiuto. "1st Life believes that these activities can help develop strong values in the areas of leadership, citizenship and sportsmanship for the future leaders of tomorrow."

1st Life joins ILLAM, a non profit organization run by volunteers, in their mission to develop youth through athletic competition in both baseball & softball. It is affiliated with Little League International Inc., an American organization based in Pennsylvania, USA that handles the Little League baseball and softball program worldwide and hosts the Little League World Series.

1st Life keeps its core value of 'responsiveness' with the release of Hassle-Free promo. Hassle-Free is a project to enhance relationship with current clientele by giving them the opportunity to easily upgrade their insurance coverage without the need for a medical exam.

"This is our way of helping our clients get additional coverage the simpler way," said Arnold Manapat, Manager for Individual Insurance Marketing Department. "We want to encourage our policyholders to upgrade their insurance since the cost of basic needs these days are rising, their current coverage may not be sufficient by the time the proceeds will be used," Manapat added "and what better way to do this is through our Hassle-Free promo. No medical exam required!"

1st Life remains committed in delivering the best service to clients with projects like Hassle-Free. "We understand the needs of our customers and it is with these endeavors that we make sure that they are taken care of," closes Manapat.

May 2008 - 1st Life Recognizes MDRT Agents

1st Life is proud to have six (6) qualifiers who will attend the prestigious Million Dollar Round Table Convention in Toronto, Canada. Leading the pack is MDRT Top of the Table qualifier Lorna Lao (left) & Court of the Table achiever Josie Gotohio (right). Other 1st Life MDRT qualifiers are MDRT Country Chair Teresita Perez, Ester Sy, Susan Tan, Lourdes Yao. They will join approximately 7,000 MDRT members, guests & speakers from 60 nations.

1st Life's MDRT qualifiers will learn from learn from workshops and general session presentations by experts in estate planning, taxes, business, law and other areas of vital concern to life insurance and financial services professionals. State of the art life insurance and financial products and methods for improving.

MDRT is The Premier Association of Financial Professionals with membership from 76 nations & territories who demonstrate exceptional professional knowledge, strict ethical conduct & outstanding client service. It is recognized internationally as the standard of sales excellence in the life insurance & financial services business. For more info visit www.mdrt.org.

1st Life announced its top agents with the release of a print ad published in The Philippine Star. The ad recognized the winners of the Gawad Kagitingan, Activity Club and Born-To-Lead agency sales drive.

1st Life President and CEO Peter G. Coyiuto, CLU (3rd from right) leads top company producers to the International Insurance & Finance Congress 2008 in Hongkong. In photo is life and health insurance industry icon and highly sought - after international industry speaker, Harry Hoopis (4th from right) with 1st Life's (left to right) Susan Tan, Ma. Ines Ang, Lourdes Yao, Josie Gotohio, Lorna Lao, Patricia Cua and Athena Chua.

Hoopis is a top general agent for Northwestern Mutual Life Insurance Company USA and innovated the Essential Management of Development training course of the General Agent & Managers Association, a program that hastened the development of countless agency districts. He is a GAMA Management Hall of Fame Award Winner.

1st Life President & CEO Peter Coyiuto (2nd from right) with top insurance underwriters Patricia Cua (2nd from left) and Susan Tan (right) recently attended the International Insurance and Finance Congress 2008 held in Hong Kong. Coyiuto, Cua and Tan met China Life Insurance Company, Ltd represented by Kathy Lang Kuan of Hong Kong office (left) and Assistant President Su Hengxuan (middle). China Life is mainland's largest insurance firm.

1st Life's Erwin Perez was recently awarded the company's most prestigious award, the "Employee of the Year". The Employee of the Year award recognizes an employee's exemplary performance in terms of providing quality service to policyholders, productivity, building harmonious relationships and work ethics. Erwin Perez holds a bachelor's degree in mathematics (cum laude) from UST and has been with 1st Life's Office of the Actuary since 2000.

1st Life gives recognition to deserving employees by way of the highly anticipated "Employee of the Year" award. This award gives recognition to deserving employees who have rendered extraordinary contribution to the company, as well as, upholding the company values and portrayed good work ethics. In addition, it also promotes peer recognition as nominations are submitted by fellow employees.

Now on its fifth year, "Employee of the Year", or EOY, as it is fondly called, continues to motivate and give credit to all the hardwork and dedication of First Life employees. For the year 2007, the recipient is Mr. Erwin U. Perez. Erwin has been with the company for the past 7 years and has constantly proven his dedication to his work by being an effective member of staff of Actuarial Department. Aside from having garnered this achievement, he is also known as a "math whiz".

1st Life Agency Manager Teresita Perez is appointed Country Chair of the Million Dollar Round Table's (MDRT) Membership Communications Committee (MCC), a network of committed MDRT members who provide a wide range and information services to the MDRT membership and financial services industry worldwide.

1st Life takes pride in growing quality agents in the likes of Ms. Perez for having the values that its president Peter Coyiuto believe to be important in able survive in the life insurance business. The principles of attitude, persistency, ability to build and maintain relationships, a commitment to the pursuit of excellence, education and industry involvement are all embodied by Ms. Perez.

As Country Chair for MDRT's MCC, Perez will act as communications link between the MDRT leadership and the membership at large. The committee will provide information on the MDRT Annual Meeting and other activities to members. Perez hopes to forge stronger ties with fellow agents in an attempt to convince the public in general to believe in life insurance.

The Million Dollar Round Table (MDRT) is The Premier Association of Financial Professionals.

MDRT is an international, independent association of the world's best life insurance and financial services professionals. It has more than 35,000 members from 79 nations and territories representing 475 different companies. MDRT membership represents less than 1 percent of the world's financial services professionals.

1st Life is the life insurance subsidiary of the Coyiuto Group of Companies. It is the local pooling network partner of Swiss Life and Pension Co., the world's leading employee benefits network, and the international partner of The Dai-ichi Mutual Life Insurance Company of Japan, the second largest life insurance company in the world.

One of the keys to enjoying good business is keeping your employees happy. Their happiness lies in a healthy working environment, fulfillment in the job, and perhaps most importantly, in the benefits they receive from the company they serve. After all, nothing beats the feeling of an employee who knows that his employer values him.

A benefit such as insurance is also part of the positive environment because it makes employees feel secure about their worth in the company. Consequently, they will also value their employer, not only as a partner at work but also in life.

For these companies, the correct answer is always to provide life insurance that caters to people's needs. At best, companies will choose 1st Life's group insurance because of its flexibility, relevance, and timeliness. Plus, 1st Life's agents foster excellent relationships with their policyholders.

1st Life offers three Group Insurance products: Group Yearly Renewable Term, Group Creditor's Life Insurance, and Group Mortgage Redemption Insurance.

The Group Yearly Renewable Term (GYRT) is highly advisable for business organizations, particularly corporations that provide benefits to their employees.

The Group Creditor's Life Insurance is designed to insure persons with established credit in banks, lending firms or other financial institutions. This is advisable specifically for small loans with a term of up to one year.

With the Group Mortgage Redemption Insurance, debtors with a big loan amount or long-term length of mortgage, usually 5 to 25 years, will find a perfect solution.

1st Life not only provides companies with the most competitive group insurance products, it also has agents who will see to it that everybody's needs are met & satisfied. Indeed, the leading life insurance company, 1st Life commits itself to delivering competitive, world-class insurance products and services that evolve and keep in step with the ever changing needs of families and employees.