BZ Force , Your Family Financial Security System

powered by BZ App.

 WHAT IS BZ FORCE

It is a revolu onary system that o ers in nite poten al in prospec ng and building a family
nancial security network.

The BZ Force system works by “appor oning the Agents’ commission to their referrals”
while encouraging the public to take up a Life Insurance Policy themselves and providing
them with the incen ve to refer other people to the Agent.

BZ Force leverages on a unique network that every individual has, and capitalises that
networking into a Family Financial Security Network for their next of kin. ( even when they
are no longer around )

WHY WE CREATE BZ FORCE

BZ Force was established to overcome the bo leneck that the Life Insurance Industry has
been facing all this while – PROSPECTING.

The Life Insurance Industry is due for a major overhaul a er being stagnant for a few
decades.

Almost all insurance companies are s ll adop ng a system that ONLY bene ts the top er
veterans at the expense of others in the industry. There has been a skewed focus on MDRT,
COT, TOT tles and consequently, the majority of agents and insurance companies place
their emphasis on high premium policies such as savings and investment plans, which do
not provide the appropriate coverage.

This skewed focus has resulted in the middle to lower income public being neglected in
terms of securing appropriate coverage for themselves. BZ Force allows these segment
groups to consume and earn simultaneously by o ering a simple high coverage term
insurance plan that covers Life, Total Permanent Disability and Cri cal Illness.

At present, Malaysia's top 3 life insurance companies have been trying to maintain their
performance at the RM1billion mark, but none have been able to do so despite the
Malaysian Life Insurance market being largely untapped, especially the Takaful market. The
current life insurance industry is akin to a juicer, squeezing every drop out of every agent
and churning them out of the industry once they are exhausted. It has resulted in a majority
of the public being scep cal about joining the life insurance industry – because it is simply
unsustainable.
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 BZ Force's primary focus is on the B40 and M40 income groups - o en overlooked by the
industry for so many years. This is also in line with our government’s e orts in increasing
the popula on’s insurance coverage. BZ Force aims to ll in these gaps and meet the needs
of the people to help them build nancial resilience within the insurance industry,
especially in these uncertain mes.

HOW CAN BZ FORCE TRANSFORM THE INDUSTRY

But with each new challenge comes opportunity.

We are revolu onising the industry by allowing the general public to adopt a life insurance
policy while bene ng from BZ Force by crea ng a substan al side income generated via
the pla orm; without being in the industry itself.

Through the BZ Force system, referrals poten ally can earn a good side income ranging from
RM5,000 – RM25,000 per month just by introducing 5 referrals per year.

With this new pay-out structure designed by us, the Referral Genera on Fees is a strong
incen ve for the public to introduce their exis ng network of people to the licensed
insurance agent, crea ng mutually bene cial rela onships for all.

Holding to our mo os, we truly believe in “Bantu orang biasa jadi luar biasa" by “Happily
Helping Others (H20)”, through advoca ng and empowering everyone to build their very
own Family Financial Security Network.

And that is the reason BZ Force exists to transform lives.

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 The venture for BZ Force : The government’s direc on :

• “The low insurance penetration rate in Malaysia is one of the factors that threaten the
financial stability of individuals and households,” said Finance Minister Tengku Zafrul
Aziz. “With that, EPF will allow its members to make withdrawals from EPF Akaun 2 to
buy life and critical illness insurance or takaful products for themselves and family
members.”The finance minister added that the insurance or takaful plans in question
must be ones that are approved by EPF.

The mission :

1. Increase the coverage and penetration for every household

2. Address the b40 and m40 segment’s need

3. Solve the problems of people getting cheated buying savings/investment plans which is
not the purpose of takaful/ insurance

The benefits of BZ Force :

1. Everybody gets to build a Family Financial Security Network without even being in the
insurance/ takaful industry.

2. Continuity of income stream to the family even when the person is bedridden/
chronically sick / demise.

How the system works :

You Secure your family NOT ONLY with the

Referral Fees Projection Go for 5
takaful certificate that you have but also Total Fees
WITH the NETWORK you have BUILT! Group
RM 400 Per Case = RM 400
Size
Referred
RM 400 Potential income based
RM 400 You on referring 5 people
ONLY
RM 400
1st Gen. 5 5 RM 2,000
2nd Gen. 25 30 RM 12,000
Referral fees per certificate 3rd Gen. 125 155 RM 62,000
ALP per case : RM 2,000
**Please refer to the BZ Force booklet
X 20% = RM 400
(5/5/5/5)
4th Gen. 625 780 RM 312,000 for the terms and conditions.

Poten al earnings from the system even when the person demise. If and when that happens, future
monies will be passed to the next of kin, with NO CONDITIONS.

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