FLASHFACT MAY 2010

LIFEREWARDS

Clients applying for risk cover now have a choice between a conventional Matrix plan and a Matrix plan with LifeRewards when they apply for risk cover. With LifeRewards a more accurate risk rating is done initially as well as on an ongoing basis. Clients with a healthy life style may qualify for annual discounts on their risk cover, on the basis of their health status and/or level of tness.

Fitness Discounts
Fitness Assessment Criteria in order qualify for a possible additional tness discount: The tness discount depends on the clients level of tness and Preferred Health Class. It applies if the insured life meets certain health criteria and qualies for one of the tness assessment criteria below. Fitness discounts also differ by benet, gender, smoking status and rate group. The following tness assessment criteria and associated basic tness discounts are before any adjustments for Preferred Health Class or the other factors above. 1. Virgin Life Care Assessment
% Discount level based on tness level

2. Number of gym visits per annum

% Discount level based on number of gym levels per annum

3. (continued)
% Discount based on points earned per annum

10% 5% 5% 2%
VERY FIT SUPER FIT 100 180

10% 5% 2%
250 2 000 6 000

10%

Health Discounts
Health criteria that will be monitored to determine the possible health discount:

2%
FIT

12 000

A tness discount is calculated based on the outcome of a Virgin Life Care Health & Fitness Assessment. 3. Completion of qualifying tness event

The insured lifes number of gym visits to a Planet Fitness or Virgin Active gym over the last 12 months is used to determine the discount.

The insured life receives a discount based on the total of points earned for the completion of ofcially completed qualifying tness events in the last 12 months. 4. Number of steps registered with pedometer over 3 months

BMI

BLOOD PRESSURE

CHOLESTEROL

EVENT / DISTANCE CATEGORY

EVENT POINTS EARNED Category 1 = 1 000 points Category 2 = 3 000 points Category 3 = 6 000 points

The specic health discount that the client may qualify for, depends on his or her Preferred Health Class (Best = 1). Health discounts are available on the following benets: death, disability, functional impairment, dread disease, disability income The health discounts differ per benet and also by gender, smoking status and rate group.
R10/MC/05/2010

Running Swimming Cycling Walking Wheel chairing Mountain / trail biking Mountain / trail running Surf-skiing Kayaking / canoeing Triathlon (total distance) Duathlon (total distance

10km 19.9km 1.5km 3.9km 40km 64.9km 10km 19.9km 15km 29.9km 12km 24.9km 8km 15.9km 6km 11.9km 20km 39.9km 15km 24.9km 15km 24.9km

20km 39.9km 4km 7.9km 65km 93.9km 20km 39.9km 30km 59.9km 25km 49.9km 16km 34.9km 12km 23.9km 40km 59.9km 25km 49.9km 25km 49.9km

> 40km > 8km > 94km > 40km > 60km > 50km > 35km > 24km > 60km > 50km > 50km

% Discount based on average steps per day measures over 3 months

10% 5% 2%
5 000 9 000 15 000

The insured life receives a discount based on the average number of steps taken on a daily basis during the last 3 months. The number of steps is measured by a pedometer.

The additional tness discount that your client may earn depends on the clients Preferred Health Class. It reduces gradually, the better the Preferred Health Class is.

LICENSED FINANCIAL SERVICES PROVIDER

FLASHFACT MAY 2010

DOES MY CLIENT QUALIFY FOR LIFEREWARDS BENEFITS?

STEP1
CATEGORY

Choose your clients categories each for BMI, Blood Pressure, as well as Cholesterol

STEP 4 Add up yourtoclients categories for Blood Pressure and Cholesterol determine X

+
BMI weight (kg) BMI = height2 (m) Male Female 22 - 24 21 - 21.9 or 24.1 - 25 19 - 20.9 or 25.1 - 26 18 - 19.9 or 26.1 - 31 120/80 130/90 140/90 3 - 5.4 2.5 - 2.9 or 5.5 - 6 5.9 - 6.5 BLOOD PRESSURE Both systolic and diastolic BP measures need to be equal or less than the levels required. CHOLESTEROL Total cholesterol

=X
1+2=3 THUS, X = 3

Example: = Category 1 = Category 2

1 2 3 4

23 - 25 22 - 22.9 or 25.1 - 26 20 - 21.9 or 26.1 - 27 18 - 19.9 or 28.1 - 31

STEP 5 Determine your clients BMI category STEP 6 Your client qualies for LifeRewards benets as follows:
BMI CATEGORY = 1 BMI CATEGORY = 2 X=2 X=3 X=4 X=2 X=3 X=4

your BMI, Blood STEP 2 Arewithin clients the ranges inPressure and Cholesterol readings all any of the above table?
Your client does not qualify for any of the LifeRewards benets.

BMI CATEGORY = 3

Continue to the next step.

YES

NO

X=2

X=3

X=4

BMI CATEGORY = 4 or BP CATEGORY = 3 or CHOLESTEROL CATEGORY = 3

Preferred Health Class

1 20%

2 20%

3 35%

3 35%

4 50% Yes

5 65%

5 65%

6 80%

6 80%

7 100% No

STEP 3

Is your clients BMI in category 4 OR his/her Blood Pressure in category 3 OR his/her Cholesterol in category 3?

% of Basic Fitness Discount Qualies for Health Discount?

Your client does not qualify for a Health Discount, but may qualify for a full tness discount. Go to step 6 (See Preferred Class 7).

YES

NO

Continue to the next step.

R10/MC/05/2010

LICENSED FINANCIAL SERVICES PROVIDER