VISIONOf FLIC Underwriting Department

We are world-class life underwriters,experts in insurability risk assessment dedicated to the

advancement of the life underwriting with the primary role of providing

prudent but competitive evaluation and prompt processing of all clients'

applications for any form of life and health coverages and/or claims for any

benefits.

MISSION of FLIC Underwriting Department

To be a consistent provider of accurate and complete

information to the agency force and a reliable decision maker in lay and medical underwriting

at all times.

GOAL 1:To advance the art, science and practice of Life

Underwriting in the company.

To this end, we reiterate our commitment :

I. Continue developing our staff into well-rounded professionals of the

highest standards in Life Underwriting, by:

PLAN 1: ACTIVE PARTICIPATION in Insurance Conventions

2004 HOLUAP Annual Convention -Summer 20042004 PSIM Underwriting Courses - Date

IIAP/Reinsurers CME Activities -

GOAL 1:To advance the art, science and practice of Life Underwriting in the company. M

EDICAL

SERVICES

MEDICAL

SERVICES

To continue developing our staff into well-rounded professionals of the highest standards in Life

Underwriting, also by:

PLAN 2: Preparing for the subsequent sets of FLMI Exams

FLMI 311 - Insurance Laws - May '04missed –reseched Nov 2004 (Support From Marketing:

New reference required)

FLMI 320 - Nov 2004

MEDICAL

SERVICES

To this end, we reiterate our commitment :

II. To enhance the study of mortality and morbidity as it applies to Life Insurance:,

by

PLAN 1: Maximizing utilization of available references:

Action: Routing References Reviews with notations….

On-Going

MEDICAL

SERVICES

MEDICAL

SERVICES

GOAL 1:To advance the art, science and practice of Life Underwriting in the company.

To this end, we reiterate our commitment :

III. To Foster favorable professional relations that promote the

advancement of Life Underwriting within the department;

PLAN 2: More regular Case Presentations -monthly Interactive

SessionQTR 1- 4, 2004

MEDICAL

SERVICES

MEDICAL

SERVICES

GOAL 1:To advance the art, science and practice of Life Underwriting in the company.

USIUnderwriting

SceneInvestigation

To this end, we commit :

III. To Foster favorable professional relations that promote the

advancement of Life Underwriting within the department;

PLAN 3: To create a basic workflow chart in the evaluation of any life coverage

application particularly in searching for adverse medical conditions

QTR 1, 2004

MEDICAL

SERVICES

MEDICAL

SERVICES

GOAL 1:To advance the art, science and practice of Life Underwriting in the company.

USIUnderwriting

SceneInvestigation

To this end, we commit :

III. To Foster favorable interdepartmental professional

relations that promote the advancement of Life Underwriting;

PLAN 4: To assist Claims in creating a basic workflow chart in the evaluation of

any claims application particularly in searching for preexisting undeclared

medical conditions

QTR 2, 2004

MEDICAL

SERVICES

MEDICAL

SERVICES

GOAL 1:To advance the art, science and practice of Life Underwriting in the company.

USIUnderwriting

SceneInvestigation

To this end, we commit :

III. To Foster favorable interdepartmental professional

relations that promote the advancement of Life Underwriting;

PLAN 4: To support SALES Drive in conserving pending cases

Action 1: Monthly Pending-Case Hour with Lay

QTR 1-4, 2004

MEDICAL

SERVICES

MEDICAL

SERVICES

GOAL 1:To advance the art, science and practice of Life Underwriting in the company.

IV.To continue to be a well-managed department.

PLAN 1: To anticipate exit movements from within the unit

and avoid workflow vacuum

Action: Train / Hire New Staff Redirect existing staff who have the potential

to carry over specific functions Target : QTR 2

MEDICAL

SERVICES

MEDICAL

SERVICES

IV.To continue to be a well-managed department.

PLAN 2: To assure the department a continuous and smooth

workflow at all times.

Action: Create an Endorsement Plan on which to base responsibility assigning in case one

officer is temporarily not available Target : QTR 2

MEDICAL

SERVICES

MEDICAL

SERVICES

IV.To continue to be a well-managed department.

PLAN 3: To assure the department a continuous and smooth

workflow at all times.

Action: To have an Quarterly Intradepartmental review of our plans

Target : Mar-Jun-Sep 2004

MEDICAL

SERVICES

MEDICAL

SERVICES

VISIONOf FLIC Underwriting Department

We are world-class life underwriters,experts in insurability risk assessment dedicated to the advancement of the life underwriting with the primary role of providing prudent but competitive evaluation and prompt processing of all clients' applications for any form of

life and health coverages and/or claims for any benefits.

MISSION of FLIC Underwriting Department

To be a consistent provider of accurate and complete information to the agency force and a reliable decision maker in lay and medical underwriting at all times.

Goal 2: To provide the company an

indispensable arm in the evaluation and processing of the

businesses.

MEDICAL

SERVICES

MEDICAL

SERVICES

Goal 2: To provide the company an indispensable arm in the evaluation and

processing of the businesses.

To this end, we, in the department, are committed to:

Maintaining an effective delivery of general medical services nationwide

by -

PLAN 1: Improving the pool of accredited MD’s in

anticipation for more regular businesses esp in key cities

MEDICAL

SERVICES

MEDICAL

SERVICES

Goal 2: To provide the company an indispensable arm in the evaluation and

processing of the businesses.

To this end, we, in the department, are committed to:

Improve the list of NCR-based Medical Examiners, by:

ACTION 1 : Recruitment of 3-4 Roving Medical Examiners of other companies

(‘Special’) with competitive rates TARGET DATE : QTR 1 04

MEDICAL

SERVICES

MEDICAL

SERVICES

Goal 2: To provide the company an indispensable arm in the evaluation and

processing of the businesses.

To this end, we, in the department, are committed to:

Maintaining an effective delivery of general medical services nationwide

also, by:

- PLAN 2: Improving the method of filling up the medical needs of sales

force in other areas

ACTION 1: To reaffirm Med Examiners’ availability in 2004 focus areas of sales

force - QTR 1 2004

MEDICAL

SERVICES

MEDICAL

SERVICES

National Demographic Distribution of FLIC-affiliated MD’s - Oct 23

2003

Butuan 1

Agusan del Sur 1

*Albay 6

Bacolod 1

Bataan 2

Batangas 3

Benguet 1

Bulacan 2

Camarines Sur 1

Cavite 10Eastern Samar 1

Iloilo 3

Isabela 11

Laguna 5

Lanao del Norte 2

La Union 7Nueva Ecija 7

Pampanga 8

Pangasinan 4

Quezon 3

South Cotabato 4

Tarlac 1

Zambales 7

Zamboanga 2

***METRO MANILA

Agusan del Norte 1

Or. Mindoro 2

Roxas City 2

Iloilo 3

CEBU 1 + FCC

Branches

Ilocos

Davao del Sur 1

Occ. Mindoro 1

Aurora 3

Cag de Oro 1

Iligan City 5

Tagbilaran, Dipolog, SurigaoPalawan,

Finding the Medical Examiners

Identifying focus areasMedical Societies

Database

Communication

Medical Practitioners

Hiring

Goal 2: To provide the company an indispensable arm in the evaluation and

processing of the businesses.

To this end, we, in the department, are committed to:

Maintaining an effective delivery of general medical services nationwide

also, by:

- PLAN 2: Improving the method of filling up the medical needs of sales

force in other areas

ACTION 2: Active participation in Key Opinion Leaders Meeting of Rx companies and Round-

Table discussions in medical societies on-going …

MEDICAL

SERVICES

MEDICAL

SERVICES

… On Maintaining an effective delivery of general medical services nationwide also, by:

PLAN 3: To maximize utilization of improved FCC services

- less blanks- rare 3 inks / writing patterns- more complete

MEDICAL

SERVICES

MEDICAL

SERVICES

PLAN 4: To Maintain Accreditation with Industrial Clinics with ROVING Medical

Examiners and One-Stop-Shop Facilities, for areas

where no FCC services are available.

HealthWay Medical Clinics and revive affiliation with

other Industrial clinicsHealthLab, Biolab, Heart-Lung Dx Clinic,

Medstar, MEDEX

QTR 4 2003 -QTR1 2004

MEDICAL

SERVICES

Insert NCR map with MDs availability

The FCC Services

MEDICAL

SERVICES

Insert NCR map with MDs availability

MEDICAL

SERVICES

PLAN 5: To continue Monitoring and

Updating Medical Service Fees

(As of October 2003 = ~ 300.Those >2yrs ~300-500/FME

Survey Nov 06th '02 = P300/ FME)

+/- include the transportation fees of MDs, just like how we accommodate HMCs

Amount?

MEDICAL

SERVICES

MEDICAL

SERVICES

PLAN 6: To give recognition to Medical Examiners who have delivered exemplary

services

“Preferred” Medical Examiners

Qualifications:- Consistently detailed FME Reports- No reports required verification /

clarification- Accredited for 5 years or more

P350/FMEPriority MD for Jumbo Cases

MEDICAL

SERVICES

MEDICAL

SERVICES

PF Levels of Medical Examiners

SPECIAL PREFERRED

GENERAL

----------

300

400

350

Plan 6.Continue Providing support to Claims and Sales Force in

improving delivery of benefits by -

ACTION 1: Release a Year-End update on Time Study on HIR CLAIMS - …

<<< (In the initial Nov 2001 study, there is a 31-day interval from

arrival of medical documents to actual payment and an average of 21.4 days from approval of Underwriting to Actual payment )

“Have we improved?”-TARGET DATE QTR 1, 2004

MEDICAL

SERVICES

II. Enhancing procurement of clients’ medical documents or

information

PLAN 1: Maintain visibility in the MIB Project

ACTION 1: Monthly 1-hr PLIA MIBCOmm Meeting

On-Going ...

MEDICAL

INFORMATION

II. Enhancing procurement of clients’ medical documents or information

PLAN 1: Maintain visibility in the medical and pharmaceutical

community

ACTION 1: Active membership in various medical organizations

On-Going ...

MEDICAL

INFORMATION

Insert: HMOs require completion of Discharge Summary and copy of

Ammitting hisdotry before hospital bills are paid – this affects NKI policy.

Therefore, if we talkxthis out with FCC, their client file can improve, FLIC clai m can be enhanced by

thesaid policy. Sept 1 2004

Support Needed by Medical Underwriting

to be able to smoothly continue providing these Medical Services

• Separate PC in Medical Director’s Office– FDD (to exchange info within department)– CDROM (to review arriving reference

materials)– With USB port– With built-inModem– MS Office

• MS ACCESS

• Separate High-Speed Printer (DMtrx)• New Telephone Unit