Post on 08-Jul-2020
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lusassetadvisor.com
Group
The
Better Life
Higher Dream
Happy Future
CEO’s Message
AplusGroup Vision
AplusGroup Introduction
Aplus Assets
Aplus Life
Aplus Realty
Aplus Mortgage
Aplus Claims
Community at heart
AplusGroup History
04
06
08
10
16
20
22
23
24
26
Ful�lling Customer Dream
Contents
Truthful and Transparent AplusGroup
TheBetter Life
higher DreamHappy Future
We Create New Future
Values.
CEO’s Message
A+ Group
04-05 CEO’sMessage
We are committed to be reborn as a
creative leader, fulfilling social
responsibilities while
touching our customers and
remaining trusted and beloved
by them.
AplusGroup, the Corporate Group FulfillingDreams and Providing Happiness towardCustomers’ Better Lives
Thanks to support of our customers, AplusGroup is growing as「The Total Life Care Group」 representing the Republic of Korea.
Since founding Aplus Assets in September 2007, AplusGroup has seamlessly challenged and pioneered to achieve growth in many areas in our customers’ lives including finance, real estate, mutual aid and cell banking.
We the 6,000 employees of AplusGroup; have committed our hearts and souls with a new and improved look under our ardent desire to meet ever changing customer needs. All employees of AplusGroup have firmly shared awareness that customer service spirit based on integrity and transparency is the core value of competitiveness, and which has proudly taken root as our corporate culture.
Not only providing products and services with which customers are fully satisfied, but also through ethical management, we are committed to continue our endless efforts until we reach our paramount, global, corporate level of social responsibility.
Thank you.
Geun Ho Gwak, Chairman of AplusGroup
Truthful and Transparent AplusGroup Fulfilling Customer Dreams
Overview
Mission
Vision
AplusGroup
Strives for Our Goal of Value Creation by Seamless Enthusiasm
AplusGroup Is Committed to Make the Company Opening a
Prosperous Future for Both Customers and Public – Your Strong
Partner in the Beautiful World.
Implemented Portfolio and System to Provide Total Life Care Service
A+ Group
06-07 A+GroupVision 2020
World Best Total Life Care Group
AplusGroup
VISION 2020
Since Aplus Assets was founded in September 2007 to lead a new customer oriented financing culture free from the seller oriented financial environment, AplusGroup has grown as a company specializing in financial product sales. In addition to providing optimal financial solutions to our customers, we are competent in consulting for total asset management including taxes, legal-related matters, real estate and loans as well as providing the top differentiated and branded mutual aid service called ‘Hyodam’. Further, we have entered the new biotech sales business based on the exclusive sales rights for Cell Banking of True Life Insurance Bank. AplusGroup has built its standing as 『The Total Life Care Group』.
Truthful and Transparent AplusGroup Fulfilling Customer Dreams
Key Strategies
Ethical Code
Core Values
Great Challenge forBest Value
To Optimize Management Infrastructure
To Maximize Customer Value
Strengthen New Growth Engine Base
Enterprise Going Together
Change + InnovationSharing = HappinessIntegrity & Transparency
• To implement a new organizational culture of our own and to foster human resources• To strengthen risk management competence suitable to business portfolio and asset increase• To establish highly efficient infrastructure for business process performance
• To strengthen brand image to boost customer credibility and loyalty• To strengthen TOTAL LIFE CARE for customer satisfaction• To grow into a company in which social responsibility and respect act as leading operators
• To strengthen global business step by step to overcome domestic market limitation• To innovate and challenge to secure new growth opportunities
We, AplusGroup, try our best to make the leap to become the nation’s best truthful and trans -parent company.
Sharing = Happiness
We, AplusGroup, are fully aware of the beautiful equation of sharing and pursue a greater happiness through seamless sharing.
Continuous Innovation for Future Value
As“the Enterprise Going Together”, AplusGroup is committed to creating an enterprise which contributes to the public interest and fulfills social responsibilities by not only creating maximum rewards and values for our customers, shareholders and employees but also actively accepting social codes of living together.
We, AplusGroup, seamlessly change into the nation’s top total financial asset management consulting service.
Business Areas
Aplus Assets provides a total financial asset consulting service to meet 100% of customer needs.
Founded in September, 2007
Aplus Life provides the warm touch of the Total Life Care Service for a healthy and happy life.
Founded in February, 2009
Founded in May, 2009
Our top loan consultants of Aplus Mortgage provide the best financial (loan) services to all customers.
Founded in June, 2011
Along with customer touch, Aplus Claims provides a highly reliable and objective insurance investigation service of sound insurance culture
Founded in June, 2011
Aplus Realty provides realty services including investment consulting, management, auction and public sales along with real estate representation.
A+ Group
08-09 A+GroupIntroduce
We are committed to provide the best services and to create value for customers.
We prepare a new happiness of people all over the world with the unusual passion of integrity.
smarter
We realize sustainable growth with smarter strategies.
We make a better world with the besttotal life care.
We bring the world closer by activesustainable management.
better
closer
higher
integrity
is committed to achieving the
maximized National Top Business value
and to actively fulfill social responsibilities
by transparent and creative management.
Social Responsibility
Enterprise of Social Responsibility
Total Financial Consulting ServiceSelling various types of insurance, savings and investment products of the company to customers by comparison and analysis
www.aplusassetadvisor.com
Representative Company ofCustomized Asset ManagementConsulting Services
·Top Revenue Record in domestic financial sales
·10,000 people of TFA
·Super premier sales channel with 5,000 people of MDRT
·Top Customer Satisfaction in the financial industry
1,2452,434
as of FY 2011
as of the end of March 2012
billion KR Won(revenue)
people (total enrollment)
Aplus Asset’s Vision 2020
From Today’s Happiness to Tomorrow’s Hope,
Aplus Assets goes with our customers.
Advanced Financial Solutions
Total Life Care
“Life Sale” other than Product
One Stop Shopping
Financial planning and total financial consulting
Customized Total Financial Service
Financial Department Store
Founded in September, 2007, Aplus Assets is stepping up as the top domestic
financial products sales company today. The company provides customized
asset management consulting for every individual customer to meet various and
complex customer needs in insurance, funds, real estate and taxation.
Total Financial
A+ Group
10-11 AplusAsset
Aplus Assets is a company specialized
in sales of advanced financial products,
providing optimal total financial consulting
to customers by analyzing financial
products from life and property insurance
companies.
The service operating the CFG group to meet various and complex customer needs in insurance, funds, real estate and taxation; developing a customized asset management plan for every individual customer with a group of top domestic professionals.
Consulting Service means
Change in Financial Market
·One -Stop Customer ServiceBirth of Aplus Assets, the Independent Financial Sales Firm
·Customer Consulting Product Service
[Europe]
[USA (GA)]
Overseas Advanced GA / IFA
(Market share % as of 2006)Life Insurance Sales Share by Channels
The record of life insurance sales ratio by channels in 2006 depicts that the sales share through independent agents is over 50%.
Life Insurance Sales Share by Channels
Representative Sales Specialized Companies
M Financial Group National Financial Partners The Crump Groupwww.mfin.comFounded in 1978Revenue as of 2010:1.2 billion dollars
www.nfp.comFounded in 1998Revenue as of 2010:980 million dollars
www.crumplifeinsurance.comFounded in 1920Revenue as of 2011:450 million dollars
Life Insurance Sales Share by Channels
British channel of independent financial advisors occupied more than 2/3 of total life insurance product sales in 2005 and has maintained more than 63% share since 2001.
www.sesame.co.uk
Founded in 1993
Revenue as of 2010:300 million pounds
Sesame
Affiliated financial firms
Source : LIMRA
38%
8%
2%
52%
Direct sales of insurance companies
Exclusive agents of insurance companies
Agents and private independent
(Market share % as of 2004)
Exclusive
Source : Statistics of ABI
source : each company’s homepage
source : each company’s homepage
28%
9%
63%
Direct Sales
Independent financial advisors
GA and IFA MeanAplus Assets
General Agency / Independent Financial Advisor
ConsumersRecommending and selling products mainly of exclusive
affiliated firms
Conventional Financial
Firms
www.awd-gruppe.de
Founded in 1988
Revenue as of 2010:547 million Euros
AWDwww.mlp-ag.com
Founded in 1971
Revenue as of 2010:497 million Euros
MLP
GA (General Agency) is the channel
specialized in financial product sales,
which is generalized in financially advan
-ced countries. It means the company
providing total asset management
consulting services by selling insur-
ance, saving and investment products
from various firms by comparing and
analyzing them as not affiliated to any
specific financial firms.
GAGeneral Agency
Financ
ial
Firm C
Financ
ial
Firm B
Financ
ial
Firm A
Recommending and selling optimal products by comparing and analyzing
products of all of the financial firms
Consumers
Truthful and Transparent AplusGroup Fulfilling Customer Dreams
Diversified Sales Channels
Complex Financial Consumption PatternOrder made products are needed
Increase in Investment ProductsIncreased demand in complete sales
Change in Financial Environment Increased need for total asset management
Increase of the RichDifferentiated Customer Needs
Proliferated Desire to Compare and Purchase Products
Consumer OrientedMarket Reorganization
88.783
as of FY 2011
as of the end of March, 2012
% (13th month retention rate)
branches
Customer Satisfaction Index
● Operating the academy center dedicated to education regarding life and property
insurance (2 weeks compulsory training)
● Operating the TFT center dedicated to fostering rookies (2 months compulsory training)
● Operating the EM (Educational Manager) system of professionals fostering rookies
Systematic Foster System
[Comparison of TFA Productivity]
Productivity per capita
Company A
Company B
※ Monthly average during October ~ December, 2011,
The monthly payment insurance premium is based on long term life and property insurance
[Revenue Trend – Converted Insurance Premium]
Market average
88.7%
79.1%
20,229million
2,341million
8,054million
13,299million
15,412million
www.aplusassetadvisor.com
A+ Group
12-13 AplusAsset
TFA Means
It means the total financial advisor
supporting individuals and businesses
to achieve their financial goals by
providing an efficient management
service of customer assets.
Total Financial Advisor
801,000
Productivity per capita
313,000
Productivity per capita
170,000
Aplus Assets has maintained sales strategies
and investment from customers’perspective
by affiliating products with 17 life and property
insurance companies, training and strengthening
compliance. According to the results, the
company recorded a 13 month retention rate,
one of the key customer satisfaction indices,
10% or higher than market average, and
accordingly revenue has grown dramatically.
Aplus Assets Market average
※ Aplus Assets : As of april 2012
FY2007 FY2008 FY2009 FY2010 FY2011
※ Based on month payment converted insurance premium
Aplus Assets
CFP Means
Certified Financial Planner
Retirement plan
Investmentplan
High income professional
Insurance Taxation Legal Realty
One -Stop Service
27 life and propertyinsurance companies
Tax Firm Joy BOM Aplus Mortgage
Your own financial doctor, helping
you to achieve your financial goals.
Conducting a financial plan which
includes investment, insurance,
retirement, taxation, inheritance and
real estate planning.
Person holdingreal estate
Personalizedand Customized
Consulting
Corporate CEO
Inheritance/succession
plan
Riskmanagement
plan
Private businessperson
Truthful and Transparent AplusGroup Fulfilling Customer Dreams
CFP / Top Support System in the Financial Market
CFP Center
One-Stop Total Asset Management Consulting
[Built VIP total asset management consulting system by the CFP center]
Personalized and
Customized Consulting
CFP centers capable of total financial planning in the areas of real estate, investment, taxation, accounting, legal affairs and insurance (in Seoul, Busan, Daegu and Gwangju)
CFP (Certified Financial Planner) Center
※Typical Solutions of the CFP Center
1. Aggregate taxation on finan -cing income (Tax exempt Plan)
2. Corporate Total Solutions
3. Inheritance Plan4. Real Estate Investment Consulting
Customized Products
Sales Support System
Operation of Aplus Assets Lounge
www.aplusassetadvisor.com
3341
order made products
number of lounges
kinds
sites
Various Customer Needs
With Aplus Assets’ unique 33 ‘order made’ products, the company provides products fitting customer needs.
Computer System Investment Seminar Golf Marketing
Security Analyst Team, CFP Center Corporate Sales Support
Lounge
The comfortable and convenient, financial
service space for visitors prepared by
Aplus Assets. It is the advanced Total
Service Space where top insurance
products are customized and designed
in the best conditions for customers
Affordablepremiumproduct
Product ofhigh
liquidity
Pension product of pure
purpose
Product of excellent protection
l Apartment Complex l Shopping District l Hospital l Hypermarket
The Aplus Assets lounge is the space for personalized asset management consulting service where customers get ONE STOP service for product introduction and protection service counseling by each insurance company easily and comfortably in one place.
AplusAsset
Lounge
A+ Group
14-15 AplusAsset
- As of July 2012
on F
inan
cial P
lanning
Tota
l Fin
ancial C
onsul
ting
Aplus Assets
�P�r�o�d�u�c�t
�P�e�o�p�l�e
�P�r�o�g�r�a�mSystematic Education System
Total Risk Management Service
Special Training for BC Team Saturday Special Topic EM Competency Training
Basic Advanced
·Introductory course
for career rookies
·Financial professional
course
·Qualification course
of variable premium
sales
·Study course of TFA Ship
& flagship products
·Special course for rookies as
well as those experienced
in property insurance
·Special training for upgrade
·MDRT challenge course
·Property insurance
specialized course
Expert
·Early bird special
training
·Good morning
success
·Saturday special
topics
·Seminar marketing
instructor course
·BC Team
·EM Competency
Special
·Certificate course for
security, real estate,
derivative products
and fund investment
counselors
·AFPK and CFP
education support
·Branch manager
training course
Risk
The Total Risk Management Service Is Provided.
Premature death
Long term survivor
Personal indemnification
Object indemnification
Fire
Liability of compensation
27 Life and Property Insurance Companies
Truthful and Transparent AplusGroup Fulfilling Customer Dreams
Life Insurance
Property Insurance
Affiliated Partners
The Reliable Customer Oriented Mutual Aid CompanyThe dignified and comfortable funeral service passing a warm touch at tough moments
Operating the actual expense settlement system and 100% refund upon expiration
The Reliable Customer Oriented Mutual Aid Company
Provides a Warm Touch at Tough Moments
To finish your life with dignity is a noble concept to further brighten your life, which
has been lived beautifully.
We will respond with a greater happiness of Total Life Care Service to you, the very
hero or heroine of your own life.
With a new value, culture and corporate quality, Aplus Life is committed to being a partner
of the noblest value in the world standing next to happiness and the life of customers.
5 Quality Assurances System
�5
Contract Assurance
Contract Assurance
Dispatch Assurance
Product Assurance
Service Assurance
Actual Expense Assurance
The refund scheme for withdrawal (within 15 days) and poor sales contract (within 3 months)
1 million KR Won guaranteed if it doesn’t arrive within 2 hours upon submittal (With the exception of force majeure such as natural disaster)
Compensating corresponding supplies cost with additional 3 million KR Won if genuine products not used
Full refund with additional 2 million KR Won compensation if unfairly requested and received afterlife traveling expense or kickback
www.apluslife.co.kr
200120
the industry’s highest level of capital
funeral partnership agreement firms
billion KR Won
firms
Hyo-dam(孝潭) means serving with Filial Piety (孝) and devotion (精誠), and also is the brand of Aplus Life.
A Scene from Hyodam TV Commercial
Actual Expense Assurance
Service Assurance
Dispatch Assurance
AplusLifeA+ Group
16-17
We promise to greatly help customers
with various types of customer service
at hard moments based on an ever
warm and steady family mind.
APLUS LIFE Vision
Quality Assurances
System
First Launch in the Mutual Aid Industry
Product Assurance
�5Quality
Assurances System
·Top brand power in the Total Life Care industry
·Top in number of customers (based on mutual aid companies)
·New medical treatment
(stem cell storage and anti-cancer vaccine)
technology sales
We are committed to return with steady, genuine Hyodam customerservice, piety and devotion.
Possible to divert the payment amount within 50% after 36 months payment- Cell Banking and health screening
Unused items such as the coffin, the shroud and the vehicle will be refunded and additionally used items will be supplied for actual cost.
Beyond 85% level of other mutual aid companies, 100% of surrender is refunded upon expiration
Implemented the service improvement system including the strict evaluation system of ceremonial masters
Customized funeral consulting, guide on memorial parks, the charnel house, the tombstone, the stone figure, memorial suppliers support for the first year and psychological counseling for the bereaved
Established the truthful and transparent nationwide direct service network for full practice of the 5 Quality Assurances System of Hyodam
Differentiated Service
Items and Goods Supplied by Hyodam
Partnership Agreement Organizations
Actual Expense Settlement System Payment Diverting Service
100% of Surrender Refund on
Expiration
Customized Service by Religion
Various Before and After Services Service Satisfaction Evaluation
System
Nationwide Direct Ceremony System
Supplies for the deceased
Ceremonial supplies
Ceremonial operators
Ceremonial vehicle
Flower decoration
Specialized and value added services
Hyodam396
Hyodam600
Hyodam840
Hyodam1200
Economic product for the nuclear family
Most common and recommended product for funeral ceremonyFuneral product for the large family or the grand funeral
VIP exclusive funeral product
Confucian Buddhist Christian
The Best Hyodam Service
Is Provided by the Top
Class Funeral Ceremony
Team Leader.
Hypoderm’s Unique DifferentiatedService
VIP geomancer service
Geomancer service by master Hong Gung Lee for VIPs
�G�e�o�m�a�n�c�e�r
Truthful and Transparent AplusGroup Fulfilling Customer Dreams
Service is provided to 120 public organizations, financial companies and enterprises.
Cell Banking ServiceThe service extracting and storing adult stem cells and immunocytes when young and healthy
The therapy of the next generation called ‘the personalized medicine’, as cells
extracted from your own body are used directly. Cell Banking that stores your
own cells through cutting edge technology is the health keeper absolutely necessary
for our families preparing for a healthy age of 120.
30or 4028
Cell Banking storage period
Blood collected
years
or 54 CC
Cell Therapy Is
www.apluslife.co.kr
Protect the Health of Your Familywith‘Cell Banking’ Before It’s too late.
“Stem Cell Therapy”, Highlight of Regenerative Medicine
The stem cell is the indifferent cell which can be converted to various body tissues comprising
our body. It regenerates or restores weakened parts or damaged functions of our body.
It is possible to be utilized in various treatments ranging from incurable diseases such as
neuropathy, diabetes, immune system diseases and AIDS to organ regeneration.
Immunocytes are the protection system acting when odd substances or antigens such
as germs and viruses intrude our body. Particularly, it acts to eliminate continuously
generating cancer cells. It receives attention as the 4th generation cancer therapy
without side effects other than surgical and chemical treatments.
“Immunocyte Therapy”, 4th Generation Cancer Treatment
[Clinical status of adult stem cells by human body sources]
[Clinical status on end organic fluid of various disorders and diseases]
peripheral blood All kinds of cancers
11899
13
82
87 6
marrow
cord blood
fat
liver disorder, cerebrovascular disorder, pneumonia and hypertensive disease
cardiac disorder, diabetic
All around the word, 3,000 stem cell therapy products are under development including preclinical products. 230 items among them are studied for the purpose of commercialization. Worldwide, there are 27 products in the advanced clinical test stage. Korea has 3 items among them, which is the second most in the world. (Based on approval of FDA, USA as of August 2009 - http:11clinicaltrials.gov)
CellBanking
AplusLifeA+ Group
18-19
Cell Banking is the beginning of a future
therapy method by storing your own adult
stem cells and implanting those healthy
cells for treatment in the far future event
of disease. It can be considered as the
true meaning of health insurance.
Beginning of one on one customized therapy - Cell Banking
Cell Banking
Exclusive Agreement with True Life Insurance Bank (Cell Banking)
Signing Ceremony of Sales
Consignment Agreement
(July 23rd, 2011)
Prepare a Healthy Future
for Your Family with
Cell Banking that is Kept
When Healthy and Used
When Sick.
Protection and benefits
Credibility and expertise
Trust and safety (risk diversification)
Bubble free price
It is the true meaning of health insurance preparation for future diseases by
extracting and keeping your today’s young and healthy adult stem cells
and immunocytes.
Cell banking
Reasons Why to Store Cells by Cell Banking
Commercialization of Cell Therapy Products
Treatments and studies of various incurable diseases using cell therapy products
and their successful clinical results show that cell therapy products will be
commercialized within several years and will greatly contribute to longer life.
If cells are kept in advance, they may be useful in the future.
Activity of Cells Decreases as Time Passes
By aging, our body’s cells continuously lose their cell activity of proliferation
and differentiation. Because cell function is decreased in the event of disease,
storing our own adult stem cells and immunocytes when young and healthy is
not an option; but rather a necessity.
Cell Banking Service Product Configuration
Comparison by Health State
※ Upon Cell Banking enrollment, 20 kinds of health diagnostic services are provided by blood test.
Item
Number of Immunocytes
Immunocyte FunctionAnticancer Capability of
ImmunocyteUsefulness as the Cell
Therapy Product
Normal Person
Normal
Good
VitalSufficient proliferation
and incubation
Cancer Patient
Decreased
Poor
Open to cancerInsufficient proliferation
and incubation
Item
Storage Method
Extraction Method
Storage Period
Enrollment Age
HLA-Type Test
Storage Cost
Side Effect
True Life Insurance Bank (Cell Banking)
Basic Plus
Stem cell and immunocyte
Collecting blood of 28 cc
30 years
From 7 years old
X
1.99 million KR Won
Collecting blood of 54 cc
40 years
From 16 years old
O
2.99million KR Won
Own body extraction–No side effectOther body extraction–Open to side effect
Truthful and Transparent AplusGroup Fulfilling Customer Dreams
Personalized! Realty PB ServiceRealty consulting, real estate agent (sell and buy, and lease or rent), real estate management and real estate auction as well as public sales
Every Aspect of Total Real Estate Asset Management
Personalized Real Estate PB Service
Aplus Realty Real Estate Group
Based on the 3 mottos of transaction transparency, service professionalism and
safety in asset management, Aplus Realty provides Total Service regarding real
estate assets to customers through a ‘personalized real estate PB service’.
Aplus Reality is creating a new paradigm in Korean real estate market as the total
real estate professional group creating not only customer happiness but also a new
real estate culture.
607,646
the largest amount of capital in the market
nationwide reality affiliate network
billion KR Won
affiliates
·Customized real estate
·Real estate buy and sell / lease and rent
·Real estate management, auction and public sales
·Total solutions for real estate development
·Investment analysis and consulting
·Real estate research
www.aplusrealty.co.krwww.aplusbudongsan.com
Real Estate Asset Management
Service
Real Estate Investment Consulting
RealEstateGroup
AplusRealtyA+ Group
20-21
·Total Realty consulting provider
representing Korea in the global age
·Overseas Market Entry into
America, China and South East Asia
·Transforming to total
Realty Enterprise
Aplus Realty Vision
Because the property market is diversified
as it is no longer considered separate from
the financial market and the real estate
market, real estate has become the asset
necessary for professional and systematic
management from past inexplicit investment.
Considering the advanced trend that real
estate assets are shifting to financial assets,
based on the systematic system, professional
knowledge and various partner networks,
Aplus Realty provides a total real estate
asset management service throughout all
areas of real estate.
Real Estate Agent
Transaction Requested by Customer
Commissioned object analysis and transaction
possibility
Signing exclusive contract
Signing exclusive contract
Contract
Service Process
Major Businesses
Main Records
Real Estate Agent
• Providing One-Stop solutions for real estate transactions of private and enterprise customers. • Buy and sell service• Lease and rental service
Mortgage Counseling
• High quality personalized financial service• Providing optimal loan service tailored to customer situation
Real Estate Consulting
• Realizing the best profit by providing correct investment direction with the system and analysis tools for investment, ownership, disposal and profit realization of various kinds of residential, business and commercial real estate
Real Estate Management
• Appreciating real estate assets of customers, providing active real estate management services focused on meeting objectives of investment and ownership
Real Estate Auction and Public Sales
• Providing differentiated One-Stop Services from item recommendation to right matters and post management.• Reducing efforts needed for site survey and right analysis
Real Estate Marketing
• The marketing service efficiently combined with product, price, distribution and promotion strategies by segmenting and selecting the real estate market based on unrivaled expertise.
Buy and Sell Service
• Sales of the head office building of Shilla Savings Bank and Purchase of New-Start Hospital• Sales of Busan office building and purchase of Gasan office building and sports facilities land of LG Electronics• Bulk purchase of urban housing for company housing of Korea Finance Corporation, and many others
• Conducted exclusive services of lease and rental for the financial industry including Dongbu Life, Dongbu Insurance, PCA Life Insurance and HMC Investment Securities• Served lease and rental services for Smile Microcredit Bank and Hansol Education
• Conducted management services of medium and large sized buildings in the Gangnam area in Seoul including Aplus Tower, Vision Tower and Fine Tower
• PM for Structure Advancement Project of Gumi National Industrial Park
Lease and Rental Service
PM•FM Service
PM Consulting
Truthful and Transparent AplusGroup Fulfilling Customer Dreams
3001,000
top level capital in the market
the shortest duration in the market(6 months from sales start)
million KR Won
billion KR WonAccomplished monthly sales of
As the loan agent of Woori Bank, having a
sales network of 911 branches nationwide
with top gross assets (as of July, 2012),
it was founded in July, 2011 under the
motto of “Customer Oriented Load Service”.
Within 6 months of the sales launch,
it had accomplished monthly sales of 100
billion KR Won, the guideline determining a
safe sales entrance. It is proud of continuous
growth in records by building the nationwide
center network uniquely in Korea.
Customer Oriented Loan Service
Customer Oriented Load ServiceTop load counselors of Aplus Mortgage provide the best financial services for customers.
『Loan Agent of Woori Bank』Aiming Customer
Oriented Financial Service
Core Values of Aplus Mortgage
Financial Services of Aplus Mortgage
Main Load
Products
MortgageLoan
Credit Loan
GroupLoan
Other Loans
Fixed Interest Mortgage Loan U Nest Loan
Workers’ Credit Loan Woori V Auto Loan
Woori V House Lease Loan
Professionals’ Credit Loan
Trusted Loan Agent
By directly visiting and serving customers in need of financial services, we process load businesses and accompanied services promptly and correctly without the need of direct bank visit of customers.
Our loan counselors completed compulsory bank loan transaction training courses of the Korea Banking Institute and duly registered with the Korea Federation of Banks. They present customized optimal conditions through load counseling with professional knowledge.
All of load related tasks are commissioned without extra charge, and services are provided for mortgage loans and credit loans for workers, public officers and professionals
Guiding Optimal Load Conditions from Customer Perspective
Prompt and Convenient Business Processing by Commissioning General Affairs
Providing Ongoing Services at No Cost
Service
Professionalism
Convenient Business
Processing
Customer OrientedService
AplusMortgage
AplusClaimA+ Group
22-23
• Rose to the nation’s biggest
total financial market loan agent
• 1,000 people of SR
•Top customer service Satisfaction
Aplus Mortgage Vision
Financial Services of
Aplus Mortgage
Claims Business
577
the experience
Top level capital in the market
people
million KR Won
www.aplusclaim.co.kr
Customer Satisfaction! The Company with a Customer Touch! Aplus ClaimsHighly reliable and objective insurance investigation service for the establishment of a sound insurance culture
Our Top Domestic Professionals Are Always Ready to Provide
Claims Services that Customers Can Rely on.
Securing stable market, corporate-wise promotional marketing and differentiated screening
Early development program and building dedicated examiners
Implementing screening manual and screening equipment infrastructure
Implementing the computerized reporting system,the cooperation system with hospitals and doctorsand the consulting organization
Market Strategy
HR Development
Implementing Infrastructure
System Implementation
Cooperative
Life Insurance Companies
Property Insurance Companies
Affiliated Companies (Life Insurance, Property Insurance and Cooperative)
Aplus Claims Business Areas – Payment Screening of Personal Insurance
Core Values of Aplus Claims
DeathScreening
DisabilityScreening
Death by disease, Exogenous death
(suicide, homicide, death by accident
and death by injury)
Examining disability degree by the
disability classification table and its
applicability
HospitalizationScreening
OtherScreening
Cause and adequacy
Periodic check
Securing clear evidence on claims
and checking facts
Contractor Perspective
- Protection of bona fide contractors
- Maintaining fairness in risk share
- Prompt insurance settlement
Insurance Company Perspective
- Increased saving from mortality
- Securing sound operation base
- Contribution to customer service
Social Perspective
- Uncovering insurance frauds
- Building sound insurance differentiation
- Realization of social justice
Claims screening is the service
realizing benefits for both contractors
and insurance companies.
• Domestic Top Revenue
• 300 professionals
• Top Satisfaction by client
Aplus Claims Vision
(performance and quality)
Aiming for
Customer Touch
Top Expertise
Total Screening
Firm
Truthful and Transparent AplusGroup Fulfilling Customer Dreams
AplusGroup Is with You
for Your Happy Lives
We practice the faith that we can create a happy world living together.
Delivering a warm heart and hope to the people in need of love and
help is the very heart of AplusGroup, advancing together with our
community as a corporate citizen.
We Dream of a World Happy Together by Sharing and Giving.
Selected as the ‘Excellent Business of Social Responsibility Management’ in 2012 [Chosun Daily]
Community at heartA+ Group
24-25
Because we are well aware of the true pleasure
that is sharing a warm heart with neighbors in need.
To advance together happily,
AplusGroup gives warm hands to the world.
AplusGroup Will Make a World
Where Everybody is Happy.
BasBased on a professional, systematic organization and with financial
resources, we unfold social contribution activities.
AplusGroup fulfills social responsibilities as a corporate citizen.
All employees of AplusGroup raise funds with a collective mind and
AplusGroup holds as a dedicated organization for social contribution.
We Are Committed to Be with You from Today’s Happiness to Tomorrow’s Hope.
We practice sharing because of the happiness it brings not only today, but also tomorrow.
AplusGroup is committed to makinga healthy, happy tomorrow to enjoy with all the stakeholders.
Short but Strong
5 Year History
2007 Stood at Forefront of Financial Economic Recovery
September Founded Aplus Assets
Opened the first Seoul Branch
October Launched CFP center
2008 Diversified Customer Oriented Services
January Developed and marketed “Aplus Assets Premium”, the first customized insurance product
February Opened Aplus Academy
Launched corporate business division
April Held the 1st Aplus Assets Top Conference(ATC)
Recruited the professional officer from bank manager
Opened Financial Plaza 1
June Launched Honam Business Division
July Set up sisterhood support relationship of 1 village per companyHeld 1st anniversary concert, customers were invitedSeptember
1,000 TFAs (Total Finance Advisor)
October Launched Aplus Assets Donation Fund
December Launched Daegu Business Division, Busan Business Division and Financial Plaza Division
2009 Newly Challenged in HR Development
January Developed Aplus World computer system
Opened the IT Room
February Founded affiliated Aplus Life
Recorded 25 billion KR Won of continued premium
Achieved 60,000 accumulated customers
Held the 2nd Aplus Assets Top Conference (ATC)
Founded affiliated Aplus Realty
Achieved 2.5 billion KR Won of first month premium and 35 billion KR Won of continued premium
March
April
May
June
July
September
October
December
Monthly record: 1.7 billion KR Won of converted first month premium and 16,000 contracts
1,500 TFAs (Total Finance Advisor)
Crossed 150,000 financial items (insurance and fund)
Volunteer activity of helping 1 village per company
Opened Aplus Assets Development Center
Crossed 50 billion KR Won of continued premium
Published [Contend by Rich Marketing] written by Geun Ho Gwak, CEO
Held 2st anniversary concert, customers were invited
2010 Moved to Aplus Tower for New Take-off
April Held the 3rd Aplus Assets Top Conference (ATC)
July Held the 1st Royal TFA Festival Founded affiliated Aplus Realty
Placed the first TV commercial in the GA industry
September
August
Moved to new Aplus Tower building 200,000 accumulated customers1,320 TFAs and confirmed the customer satisfaction index between 2 to 13 times Realized maintenance rate of 93%
November Increased paid-in capital of Aplus Life by 3 billion KR Won
2011 Prepared Group Base by Founding Affiliates
April Held the 4th Aplus Assets Top Conference (ATC)
2012 Marched 1 Step Forward for Customer Satisfaction
February Launched Jeonbuk Business Division
April Selected as the Excellent Business of Social Responsibility Management (Sponsored by Ministry of Knowledge and Economy, Ministry of Environment and Ministry of Employment and Labor, Organized by Digital Chosun Daily)
May Signed agreement of ‘Single Elderly Love’ program participation with Ministry of Health and Welfare
June Launched public program and fully performed single elderly support program
July Launched Hyodam TV commercial
Increased capital of Aplus Life by 10 billion KR Won
June Founded affiliated Aplus ClaimsFounded affiliated Aplus MortgageAnnounced Aplus Life BI [Hyodam]Launched Youngnam Business Division and Gyungnam Business Division
Signed exclusive sales agreement of Cell Banking with True Life Insurance Bank
November
July
Launched development course of financial professions of 2030
A+GroupHistoryA+ Group
26-27
Founded affiliated Aplus Realty
We’re in the business of building a more prosperous future.We Design a More Prosperous Tomorrow
for Customers Based on the History of
Creative Challenges and Innovations.
Aplus Tower Front View
Aplus Group
Group
A+ Tower, 157 Samseong dong, Gangnam-gu, Seoul, Korea
Produced by Promotion Design TeamPublication Code : 02-12- 001, Printed on November 15st, 2012
@2012 AplusGroup All Rights Reserved
고객의 꿈을 실현하는Truthful and Transparent AplusGroup Fulfilling Customer Dreams
ClaimAsset Life Realty Mortgage