Introducing

BZ FORCE
Your Family Financial Security Network
Powered by BZ APP

a unique
cu r ity N etwork
Se
Financial business system
 BZ FORCE
REFERRAL
PROGRAMM
E
PROTECT YOUR
FAMILY AND FRIENDS BY
BUILDING A FAMILY
FINANCIAL SECURITY
NETWORK
What do people
want in Life
 People Want

FINANCIAL SECURITY
 How to start!

1 Download APP and Register

2
Sign up for a ZT ProEssential Certificate
with a licensed ZT Takaful agent

3 Help & introduce 5 people to BZ Force

Financial Security Network
 STEP 3A: NOTIFICATION SEND TO LICENSED TAKAFUL AGENT
TAKAFUL
AGENT
E RRAL
CE R RE F
REFERRAL O I NT R
OD U
E PAG
E
E ND T FI L
A ICATI
ON S N PRO
OTIF W NO
3 B: N SHO
STEP E
COD
REFERRAL FE RRA
L

B UE RE
UN IQ
C:
ST EP 3
NEW STEP 2: SUBMIT

STEP 4: LICENSED TAKAFUL REFERRAL INFORMATION

AGENT MAKE APPOINTMENT STEP 1: VISIT APP STORE/GOOGLE PLAYSTORE

AND CLOSE CASE
DOWNLOAD BZ APP,
SIGNUP,
INPUT PERSONAL DETAIL,

KEY IN AND
VALIDATE PARTNER B
REFERRAL CODE
 Minimum Contribution
RM 2,000 / certificate
REFERRAL
PROGRAMME Death
CASE SIZE TPD
&
TARGET Critical illness
(20 Years Term Policy)

Introduce 4 referrals / year

*ALL INSURANCE PRODUCT RELATED INFORMATION CAN ONLY COVERED BY LICENSED TAKAFUL AGENT
BZ FORCE IS IN LINE WITH MALAYSIA
GOVERNMENT DIRECTION
•The Employees Provident Fund (EPF) will now allow
withdrawals from
members to make
Akaun 2 for the purpose of
purchasing approved life
and critical illness insurance
plans.
•“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.
 Zurich Takaful ProEssential + Kritical Care Prime Plus 20KCP
MALE (non-smoker), occupation CLASS 1 Total Contribution MALE (non-smoker), occupation CLASS 1 Total Contribution

AGE Life + Ci Term Semi-Annual Annual AGE Life + Ci Term Semi-Annual Annual
18 $ 350,000.00 20 $ 1,001.00 $ 2,002.00 37 $ 210,000.00 20 $ 1,189.65 $ 2,379.30
19 $ 350,000.00 20 $ 1,011.50 $ 2,023.00 38 $ 200,000.00 20 $ 1,195.00 $ 2,390.00
20 $ 350,000.00 20 $ 1,027.00 $ 2,054.00 39 $ 190,000.00 20 $ 1,196.05 $ 2,392.10
21 $ 340,000.00 20 $ 1,008.10 $ 2,016.20 40 $ 180,000.00 20 $ 1,198.80 $ 2,397.60
22 $ 340,000.00 20 $ 1,028.50 $ 2,057.00 41 $ 160,000.00 20 $ 1,152.00 $ 2,304.00
23 $ 330,000.00 20 $ 1,011.45 $ 2,022.90 42 $ 150,000.00 20 $ 1,170.00 $ 2,340.00
24 $ 330,000.00 20 $ 1,027.95 $ 2,055.90 43 $ 140,000.00 20 $ 1,194.20 $ 2,388.40
25 $ 320,000.00 20 $ 1,032.00 $ 2,064.00 44 $ 120,000.00 20 $ 1,136.40 $ 2,272.80
26 $ 320,000.00 20 $ 1,044.80 $ 2,089.60 45 $ 110,000.00 20 $ 1,145.10 $ 2,290.20
27 $ 320,000.00 20 $ 1,064.00 $ 2,128.00 46 $ 95,000.00 20 $ 1,081.10 $ 2,162.20
28 $ 310,000.00 20 $ 1,055.55 $ 2,111.10 47 $ 85,000.00 20 $ 1,054.85 $ 2,109.70
29 $ 310,000.00 20 $ 1,092.75 $ 2,185.50 48 $ 80,000.00 20 $ 1,084.00 $ 2,168.00
30 $ 300,000.00 20 $ 1,093.50 $ 2,187.00 49 $ 75,000.00 20 $ 1,108.50 $ 2,217.00
31 $ 300,000.00 20 $ 1,146.00 $ 2,292.00 50 $ 70,000.00 20 $ 1,132.95 $ 2,265.90
32 $ 260,000.00 20 $ 1,151.80 $ 2,303.60 51 $ 65,000.00 20 $ 1,154.73 $ 2,309.45
33 $ 250,000.00 20 $ 1,158.75 $ 2,317.50 52 $ 60,000.00 20 $ 1,171.50 $ 2,343.00
34 $ 240,000.00 20 $ 1,165.20 $ 2,330.40 53 $ 55,000.00 20 $ 1,181.13 $ 2,362.25
35 $ 230,000.00 20 $ 1,174.15 $ 2,348.30 54 $ 50,000.00 20 $ 1,176.25 $ 2,352.50
36 $ 220,000.00 20 $ 1,182.50 $ 2,365.00 55 $ 50,000.00 20 $ 1,278.25 $ 2,556.50
B Z F O R C E R E F E R R A L F E E S S I M U L AT I O N

Referral fees per certificate

R ALP per case : RM 2,000
Ref A X 20% = RM 400
√ 400 (5/5/4/4/1/1)
Gen 1
Ref B
√ 400
Gen 2
Ref C
√ 400
Gen 3
Ref D
√ 400
Gen 4
Ref E

Total 4 Generations
Referral Fees
80%
GOBZ FOR 5
Success Formula

REFERRAL FEES SIMULATION

TOTAL REFERRAL FEES
GROUP SIZE PER REFERRED CASE = RM 400
YOU SIMULATED INCOME

GEN 1 5 5 RM 2,000
GEN 2 25 30 RM 12,000
GEN 3 125 155 RM 62,000
GEN 4 625 780 RM 312,000
*FOR DETAIL REFERRAL FEES, REFER TO TERMS AND
CONDITIONS OF BZ FORCE REFERRAL PROGRAMME
HANDBOOK
 YOUR FAMILY
FINANCIAL SECURITY NETWORK
Should the Referral pass away or become unable to
perform the work by reason of permanent incapacity,
the monies he/she is entitled to will be inherited by
their Next of Kin.
The legacy to their loved ones.
 Do you want to
STRENGTHEN your family

FINANCIAL SECURITY
 From Referral To Unit Manager (UM)

 Is of the min age of 18 years old as required by the Malaysian

Takaful Association (MTA) & Takaful Operator
 Possesses the min professional qualification required by
Malaysian Takaful Association (MTA) & Takaful Operator
 Achieves the min production target ALP 50,000 with BZ FORCE

Referral can submit an application after fulfilling all the criteria above
F r o m R e f e r r a l To U n i t M a n a g e r ( U M )

Group Contribution Referral A

Gen 1 5
Referrals

X5

Gen 2 25
Referrals

Total 30 Referrals x RM 2,000

PGP GROUP CONTRIBUTION: ALP 60,000

(Referral to UM Target : ALP 50,000)
*must fulfill all requirements set by Malaysian Takaful Association and Takaful Operator
Incentive For Unit Manager (UM)

Referral Contracted UM

Target to UM: ALP 50,000*

Reward: 1 unit iPad

*must fulfill all requirements set by Malaysian Takaful Association and Takaful Operator
 UM Direct Overriding

BZ Force Compensation Plan

Y1 Y2 Y3 Y4 Y5 Y6 Total

REF 5% 5% 4% 4% 1% 1% 20%
UM/REF 5% 2.5% 5% 2.5% 2.5% 2.5% 20%
TOTAL UM
DOR 10% 7.5% 9% 6.5% 3.5% 3.5% 40%

*ONLY APPLICAPLE TO LICENSED AGENT WITH TAKAFUL OPERATOR

B Z F O R C E U M O V E R R I D I N G S I M U L AT I O N

Referral fees per certificate

R
ALP per case : RM 2,000
UM
X 20% = RM 400
√ RM 800
(5/5/4/4/1/1)
Gen 1
Ref B

UM Overriding per certificate

Gen 2 √ RM 800 ALP per case : RM 2,000
Ref C X 20% = RM 400
(5/2.5/5/2.5/2.5/2.5)
Gen 3 √ RM 800
Ref D

Gen 4
√ RM 800
Ref E
GOBZ FOR 5
Success Formula

REFERRAL FEES SIMULATION

TOTAL REFERRAL FEES
GROUP SIZE PER REFERRED CASE = RM 400
YOU SIMULATED INCOME

GEN 1 5 5 RM 2,000

X2
GEN 2 25 30 RM 12,000
GEN 3 125 155 RM 62,000
GEN 4 625 780 RM 312,000
*FOR DETAIL REFERRAL FEES, REFER TO TERMS AND
CONDITIONS OF BZ FORCE REFERRAL PROGRAM
HANDBOOK
From Unit Manager (UM) to Agency Manager (AM)

Group Contribution
UM

30
Referrals

X5
150
Referrals

Total 150 Referrals x RM 2,000

UM GROUP CONTRIBUTION : ALP 300,000

(UM TARGET TO AM = ALP 150,000)
*must fulfill all requirements set by Malaysian Takaful Association and Takaful Operator
Incentive For Agency Manager (AM)

UM promoted AM iPhone 13*

Reward: 1 unit iPhone + 1 BZ MDiT CLUB ticket 1

[Unit Production = ALP 150,000]

Reward: 1 unit iPhone + 2 BZ MDiT CLUB tickets

[Unit Production = ALP 300,000]
2x

*must fulfill all requirements set by Malaysian Takaful Association and Takaful Operator
 AM Direct Overriding

BZ Force Compensation Plan

Y1 Y2 Y3 Y4 Y5 Y6 Total

REF 5% 5% 4% 4% 1% 1% 20%
AM/REF 10% 5% 10% 5% 5% 5% 40%
TOTAL AM
DOR 15% 10% 14% 9% 6% 6% 60%

*ONLY APPLICAPLE TO LICENSED AGENT WITH TAKAFUL OPERATOR

B Z F O R C E A M O V E R R I D I N G S I M U L AT I O N

Referral fees per certificate

R
ALP per case : RM 2,000
AM
X 20% = RM 400
√ RM 1,200
(5/5/4/4/1/1)
Gen 1
Ref B

AM Overriding per certificate

Gen 2 √ RM 1,200 ALP per case : RM 2,000
Ref C X 40% = RM 800
(10/5/10/5/5/5)
Gen 3 √ RM 1,200
Ref D

Gen 4
√ RM 1,200
Ref E
GOBZ FOR 5
Success Formula

REFERRAL FEES SIMULATION

TOTAL REFERRAL FEES
GROUP SIZE PER REFERRED CASE = RM 400
YOU SIMULATED INCOME

GEN 1 5 5 RM 2,000

X3
GEN 2 25 30 RM 12,000
GEN 3 125 155 RM 62,000
GEN 4 625 780 RM 312,000
*FOR DETAIL REFERRAL FEES, REFER TO TERMS AND
CONDITIONS OF BZ FORCE REFERRAL PROGRAM
HANDBOOK
 AM AGENCY PRODUCTION

AM

AM Unit production

UM UM

UM Unit production

AM MOC : AM AGENCY PRODUCTION ALP 150,000

GO FOR 5
Path to MDiT
AM/AM 3 Generation OR Simulation
YOU TOTAL INCOME 8G GENERATION OR
GEN 1 5 RM 60,000 Unit Production per AM
ALP 150,000
GEN 2 25 RM300,000 GOR 8%
GEN 3 125 RM 1,500,000 RM 12,000 per AM
155 RM 1,860,000

*ONLY APPLICAPLE TO LICENSED AGENT WITH TAKAFUL OPERATOR

 TOTAL INCOME

RM 936,000

+
RM 1,860,000
=
RM 2,796,000
 YOUR FAMILY
FINANCIAL SECURITY NETWORK
 BZ FORCE
YOUR DREAM CAR
INCENTIVE
 330i
YEAR 1 YEAR 2 YEAR 3
YOU

AM 1
ALP 150K
AM 2
ALP 150K
AM 3
ALP 150K
M Sport
CONTEST PERIOD : 3 YEARS (2022 to
2024)
EACH YEAR MINIMUM PROMOTE 1 AM
TOTAL AM HEAD COUNT = 3 AM
ALL AM MOC ALP 150K

OTR PRICE : RM 293,800*

 YEAR 1 YEAR 2 YEAR 3
YOU

AM 1
ALP 150K

CLA45s
AM 2
ALP 150K
AM 3
ALP 150K
AM 4
ALP 150K
AM 5
ALP 150K

CONTEST PERIOD : 3 YEARS (2022 to 2024)

EACH YEAR MINIMUM PROMOTE 1 AM
TOTAL AM HEAD COUNT = 5 AM
ALL AM MOC ALP 150K

OTR PRICE : RM 453,000*

 YEAR 1 YEAR 2 YEAR 3
YOU

AM 1
ALP
AM 2
ALP
PORSCHE

TAYCAN
150K 150K

AM 3 AM 4
ALP ALP
150K 150K
AM 5 AM 6
ALP ALP
150K 150K

AM 7
ALP
150K

CONTEST PERIOD : 3 YEARS (2022 to 2024)

EACH YEAR MINIMUM PROMOTE 2 AM
TOTAL AM COUNT = 7 AM
ALL AM MOC ALP 150K

OTR PRICE : RM 725,000*

 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6 YEAR 7
YOU
Promoted Min. 5 AM Min. 5 AM Min. 5 AM Min. 5 AM Min. 5 AM Min. 5 AM
5 AM MOC MOC MOC MOC MOC MOC
Down
payment
+ instalment instalment instalment instalment
instalment

AM 1 AM 1 AM 1 AM 1 AM 1 AM 1 AM 1
ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K

AM 2 AM 2 AM 2 AM 2 AM 2 AM 2 AM 2
ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K

AM 3 AM 3 AM 3 AM 3 AM 3 AM 3 AM 3
ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K

AM 4 AM 4 AM 4 AM 4 AM 4 AM 4 AM 4
ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K

AM 5 AM 5 AM 5 AM 5 AM 5 AM 5 AM 5
ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K ALP 150K
BZ FORCE
DREAM HOUSE
INCENTIVE
 Dream House Incentive
Contest Period
2022 to 2027 Property worth
Min. promote
2 AMs every year
RM1.5 million
Total head count:
15 AMs
(including Car challenge head count)
 Dream House Incentive
Contest Period
2022 to 2027 Property worth
Min. promote
3 AMs every year
RM2.5 million
Total head count:
25 AMs
(including Car challenge head count)
FINANCIAL SECURITY NETWORK
Market Problem Need Reward
Is Huge Is Great is Strong Is Attractive

Solution
Your Family Financial Security Network

Simple
Practical
Easy
Effective
Duplicable
BZ FORCE
WELCOME TO