May Townhall

1. 1. Which channel has the lowest first year lapse rate in 2025Q1?

• A. Agency

• B. TCB

• C. VTB

2. 2. Which date is MVL's 26^th year anniversary?

• A. 11^th June 2025

• B. 12^th June 2025

• C. 13^th June 2025

• D. 14^th June 2025

3. 3. Which was the driver for TCB high first year lapse rate in 2024?

• A. Low commission Rate

• B. Change in Tax policy

• C. Quarterly Payment Mode

• D. High Interest Rate

3. 4. How was the Face Amount Reduction discovered?

• A. Customer Survey

• B. Financial Audits

• C. Mystery Shopping

• D. Competitor Analysis

5. 5. Which is our target launch date for VTB MR + CI + Term 1-year package?

• A. May 2025

• B. June 2025

• C. July 2025

• D. August 2025

6. 6. What was the primary reason for the deterioration of Agency first year lapse rate in 2023Q2?

• A. Product Innovation

• B. Regulatory Changes

• C. Media crisis

• D. High Interest rate

7. 7. Which is not the new HCR 2024 feature?

• A. Optional Maternity

• B. No-claim Bonus

• C. Co-pay for Juvenile and Elderly

• D. Premium adjustability clause

8. 8. What action was taken to strengthen the claims process for medical cash claims?

• A. Increase the coverage limit

• B. Stop direct billing for medical cash claims

• C. Introduce a new claims management software

• D. Expand the network of healthcare providers

9. 9. What is the focus of the VTB product roadmap to address persistency issues?

• A. Reduce product offerings

• B. Offer long-term products to short-term loan customers

• C. Offer one-year products for loan customers

• D. Increase focus on non-lending customers

10. 10. Which location do you want for the upcoming team building trip?

• A. Nha Trang

• B. Da Lat

• C. Phu Yen

• D. Da Nang

• E. Phu Quoc