Reliance Life Super Golden Years Term 10Senior Citizen Plan

Retirement means different things to

different people, while some want to

relax and take a trip around the

world, some want to start up a

venture of their own, and pursue a

dream harnessed for years. The

power to make your autumn years

special lies only with you. The

Reliance Life Super Golden Years

Term 10 Senior Citizen Plan gives

you the power and the right kind of

solution - A retirement plan that

allows you to save systematically and

generate the much-needed corpus to

make your olden years look golden.

aal

solution -lution -

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UNDER THIS PLAN THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Key Features

Invest systematically and secure your golden years.

A flexible unit-linked pension product that is different from traditional life insurance products.

Eight different investment funds to choose from.

Flexibility to switch between funds.

Option to pay Regular, Single as well as Top-up premiums.

Tax free commutation up to one third of Fund Value at Vesting Age, subject to conditions.

How does Reliance Life Super Golden Years Term 10 Senior Citizen Plan work?

The plan works in two parts - the Accumulation Period (i.e. the Policy Term) and the Distribution period. The Accumulation Period is the time when you build up your funds through premiums payment.

After the Vesting Date, the Annuity Payments begin.

On your Vesting Date, you have the following Annuity Options to choose from

1. Life Annuity

2. Life Annuity with return of purchase price on death. Purchase Price is the amount of Fund Value used to purchase an annuity.

3. Life Annuity Guaranteed for 5, 10 or 15 years and payable for life thereafter

These options are currently available with Reliance Life Insurance Company Ltd. We may offer more annuity options in future.

What are the benefits available with Reliance Life Super Golden Years Term 10 Senior Citizen Plan?

At Vesting:

1. On vesting, you can purchase annuity plan for the full Fund Value

2. You may commute up to one third of Fund Value as tax free lump sum and the balance can be used for the purchase of annuity

3. Open Market Option: you can purchase an annuity either from Reliance Life Insurance Company Limited or from any other registered Life Insurance Company.

At Death: In the unfortunate event of your death during the Policy term, the Beneficiary will get the Fund Value.

1.1.

At At VestingVestingV

SupeSuper Goldenr GoldenrWhat a

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options in futureoptions in futureInsurance Company Ltd. options in future

These options are currently available with Reliance LifeInsurance Company Ltd. These options are currently available with Reliance Life

payable for life thereafte

These options are currently available with Reliance Life

payable for life thereafteLife Annuity Guaranteed for 5, 10 or 15 years andpayable for life thereafteLife Annuity Guaranteed for 5, 10 or 15 years and

chase an annuitchase an annuitchase Price is the amount of Fund chase an annuitchase Price is the amount of Fund

Life Annuity with return of puchase Price is the amount of Fund

Life Annuity with return of pu

esting Date, you have the following Annuityesting Date, you have the following Annuity

esting Date, the Annuity Payments begin

esting Date, you have the following Annuity

esting Date, the Annuity Payments begin

funds through premiums payment.

esting Date, the Annuity Payments begin

Accumulation Period is the time when you build up yourerm) and the Distribution period. The

Accumulation Period is the time when you build up your

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The plan works in two parts - the Accumulation PeriodThe plan works in two parts - the Accumulation Period

s TTerm 10Term 10T

ax free commutation up to one third of Fund VValue

full Fund On vesting, you can puOn vesting, you can pu

estingesting

Golden Goldene the benee the benee the bene

options in futureInsurance Company Ltd. options in futureInsurance Company Ltd. These options are currently available with Reliance LifeThese options are currently available with Reliance Life

payable for life thereafteLife Annuity Guaranteed for 5, 10 or 15 years andpayable for life thereafteLife Annuity Guaranteed for 5, 10 or 15 years and

y

Life Annuity Guaranteed for 5, 10 or 15 years and

ychase Price is the amount of Fund chase Price is the amount of Fund

Life Annuity with return of puLife Annuity with return of pu

esting Date, you have the following Annuityesting Date, you have the following Annuityesting Date, you have the following Annuity

esting Date, the Annuity Payments beginesting Date, the Annuity Payments begin

Accumulation Period is the time when you build up yourerm) and the Distribution period. The

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These options are currently available with Reliance LifeInsurance Company Ltd. These options are currently available with Reliance LifeInsurance Company Ltd. These options are currently available with Reliance Life

payable for life thereafteLife Annuity Guaranteed for 5, 10 or 15 years andpayable for life thereafteLife Annuity Guaranteed for 5, 10 or 15 years and

chase Price is the amount of Fund chase Price is the amount of Fund Life Annuity with return of pu

chase Price is the amount of Fund Life Annuity with return of pu

esting Date, you have the following Annuityesting Date, you have the following Annuityesting Date, you have the following Annuity

esting Date, the Annuity Payments beginesting Date, the Annuity Payments begin

Accumulation Period is the time when you build up yourAccumulation Period is the time when you build up your

This amount can be taken as a lump sum or an annuity can be purchased for the entire lump sum or portion of it. The Beneficiary will have the option to purchase an annuity either from Reliance Life Insurance Company Limited or from any other registered Life Insurance Company.

What are the different fund options?

Reliance Life Insurance Company Limited understands the value of your hard earned money. In order to make your money grow we offer eight different investment funds. You also have the option to allocate your premium in different funds in a manner you wish.

The Eight different funds offered are:

FundName

InvestmentObjectives

Target(%)

Asset CategoryAssetAllocationRange (%)

The investment objective of the fund is to provide investment returns that exceed the rate of inflation in the long term while maintaining a low probability of negative returns in the short term. The risk appetite is defined as 'low to moderate'.

Debt Securities 0-100 80

Equities 0-20 20

Money market instruments incl. liquid mutual funds and bank deposits

0-100 0

New

Balan-

ced

Fund

The investment objective of the fund is to maintain the capital value of all contributions (net of charges) and all interest additions, at all times. The risk appetite is low.

Money Market instruments incl. liquid mutual funds and bank deposits

100 100New

Money

Market

Fund

The investment objective of the fund is to provide investment returns that exceed the rate of inflation in the long term while maintaining moderate probability of negative returns in the short term. The risk appetitive is defined as 'moderate'.

Debt Securities 0-100 60

Equities 0-40 40

Money market instruments incl. liquid mutual funds and bank deposits

0-100 0

New

Growth

FundFunFund

wtwth

T

moderate'.defined as 'low to moderate'.

risk appetite is defined as 'low to risk appetite is the short term. The negative returns in the short term. The

probability of negative returns in

maintaining a low probability of

long term while maintaining a low long term while of inflation in the long term while of inflation in the that exceed the rate of inflation in the

investment returns that exceed the rate investment returns

Debt SecuritiesDebt Securities

mutual funds

100100

ange (%)atione (%)ation

ou also have the option to allocate your premiumou also have the option to allocate your premiumou also have the option to allocate your premium

fund objfund

hobj

he inve inve

moderate'.moderate'.defined as 'low to risk appetite is the short term. The risk appetite is

negative returns in the short term. The

probability of negative returns in probability of maintaining a low long term while maintaining a low

of inflation in the that exceed the rate Money market

EquitiesEquitiesEquities

Debt SecuritiesDebt Securities

100100

e (%)e (%)TTarTarT

the short term. The negative returns in the short term. The negative returns in negative returns in

instruments incl. liquid instruments Money market instruments Money market

EquitiesEquitiesEquities

Debt SecuritiesDebt Securities

FundName

InvestmentObjectives

Target(%)

Asset Category

Provide high rate of return in the long term through high exposure to equity investments in Infrastructure and allied sectors, while recognizing that there is a significant probability of negative returns in the short term. The risk appetite is high.

Corporate bonds and other debt related instruments/ Banks deposits/ Money market Instruments

0-100 0

Equities in Infrastructure and allied sector

0-100 100

New

Infrast-

ructure

Fund

Provide high real rate of return in the long term through high exposure to equity investments, while recognizing that there is significant probability of negative returns in the short term. The risk appetite is high.

Corporate bonds and other debt instruments/ Bank deposits/ Money market instruments.

Equities 0 - 100 100

0-100 0New

Equity

Fund

Provide high rate of return in the long term through high exposure to equity investments in Energy and allied sectors, while recognizing that there is a significant probability of negative returns in the short term. The risk appetite is high.

Corporate bonds and other debt related instruments/ Banks deposits/ Money market Instruments

0-100 0

Equities in Energy and allied sector

0-100 100

New

Energy

Fund

Provide high rate of return in the long term through high exposure to equity investments in Midcap companies, while recognizing that there is significant probability of negative returns in the short term. The risk appetite is high.

Corporate bonds and other debt related instruments/ Banks deposits/ Money market Instruments

0-100 0

Equities predominantly in mid cap companies

0-100 100

New

Midcap

Fund

AssetAllocationRange (%)

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Infrastructure

Whilst every attempt would be made to attain target levels prescribed above, it may not be possible to maintain the prescribed 'target' at all times owing to market volatility, availability of market volumes and other related factors. The 'target' may be attained on a 'best effort' basis. However, the asset allocation will always fall within the asset allocation range mentioned in respect of each fund.

Value of Units: The Unit Price of each fund will be the Unit Value calculated on a daily basis.

Total Market Value of assets plus/less expenses incurred in the purchase/sale of assets plus Current Assets plus any accrued income net of Fund Management charges less Current Liabilities less Provision

Unit Value = ------------------------------------------------------------------------------------------- Total Number of units on issue (before any

new units are allocated/redeemed)

Allocations (premium allocations, switch in)

In case of new business, units shall be allocated on the day proposal is completed and results into a policy by adjustment of application money towards premium.

In the case of renewal premiums, the premium will be adjusted on the due date, whether or not it has been received in advance. (This assumes that the full stipulated premium is received on the due date.) Renewal premiums received in advance will be kept in the deposit account and will not earn any returns until the renewal premium due date on which the same will be applied to the unit funds.

FundName

InvestmentObjectives

Target(%)

Asset Category

The investment objective of the Pure Equity fund is to provide policyholders high real rate of return in the long term through high exposure to equity investments, while recognizing that there is significant probability of negative returns in the short term. The risk appetite is 'high'.

Equities made only in sectors other than banks and non-banking financial companies, breweries, distilleries, alcohol based chemicals, cigarettes, tobacco, entertainment, leather, sugar and hatcheries.

60-100 100

Corporate bonds and other debt instruments/ Bank deposits/ Money market instruments

0-40 0

New

Pure

Equity

Fund

AssetAllocationRange (%)

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i) In respect of renewal premiums/funds switched received up to 3.00 p.m. by the insurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the closing NAV of the day on which premium is received shall be applicable.

ii) In respect of renewal premiums/funds switched received after 3.00 p.m. by the insurer along with a local cheque or a demand draft payable at par at the place where the premium is received, the closing NAV of the next business day shall be applicable.

iii) In respect of renewal premiums received with outstation cheques/demand drafts at the place where the premium is received, the closing NAV of the day on which cheques/demand draft is realized shall be applicable.

iv) For advance renewal premium the closing NAV of the due date is applicable.

Any amount less than the due stipulated regular premium payable stated in the contract will not be accepted.

Redemptions:

i) In respect of valid applications received (e.g. surrender, maturity claim, switch out etc) up to 3.00 p.m. by the insurer, the same day's closing NAV shall be applicable.

ii) In respect of valid applications received (e.g. surrender, maturity claim, switch etc) after 3.00 p.m. by the insurer, the closing NAV of the next business day shall be applicable.

Fund Valuation:

The value of the fund will be equal to the no of units multiplied by the Net Asset Value (NAV) of each unit in the fund.

The computation of NAV will be based on whether the Company is purchasing (appropriation price) or selling (expropriation price) the assets in order to meet the day to day transactions of unit allocations and unit redemptions i.e. the Company shall be required to sell/purchase the assets if unit redemptions/allocations exceed unit allocations/redemptions at the valuation date.

The Appropriation price shall apply in a situation when the company is required to purchase the assets to allocate the units at the valuation date. This shall be the amount of money that the company should put into the fund in respect of each unit it allocates in order to preserve the interests of the existing policyholders.

The Expropriation price shall apply in a situation when the company is required to sell assets to redeem the units

aii.edayexpro

yexpro

Compaomputpan

mput

multiplied by the Net Asset multiplied by the Net Asset The value of the fund will be equal to the no of unitsmultiplied by the Net Asset The value of the fund will be equal to the no of units

uation:uation:

day shall be applicableday shall be applicableday shall be applicable, the closing N

day shall be applicable

, maturity claim, switch etc) after 3.00 p.m., the closing N

, maturity claim, switch etc) after 3.00 p.m.In respect of valid applications received (e.g.

, maturity claim, switch etc) after 3.00 p.m.In respect of valid applications received (e.g.

, the same day's closing N, the same day's closing N, maturity claim, switch out etc) up to 3.00

, the same day's closing N, maturity claim, switch out etc) up to 3.00

In respect of valid applications received (e.g.In respect of valid applications received (e.g.

payable stated in the contract will not be acceptedAny amount less than the due stipulated regular premiumpayable stated in the contract will not be acceptedAny amount less than the due stipulated regular premiumAny amount less than the due stipulated regular premium

For advance renewal premium the closing NFor advance renewal premium the closing NFor advance renewal premium the closing N

on which cheques/demand draft is realized shall beV of the day

on which cheques/demand draft is realized shall beV of the day

outstation cheques/demand drafts at the place whereV of the day

outstation cheques/demand drafts at the place where

ssallossets

thheran

priny isy isyria

mputy isy isy

mputmputaat

multiplied by the Net Asset The value of the fund will be equal to the no of unitsmultiplied by the Net Asset The value of the fund will be equal to the no of unitsThe value of the fund will be equal to the no of units

day shall be applicableday shall be applicable, the closing N

day shall be applicable

, maturity claim, switch etc) after 3.00 p.m., the closing N

, maturity claim, switch etc) after 3.00 p.m., the closing N

In respect of valid applications received (e.g., maturity claim, switch etc) after 3.00 p.m.

In respect of valid applications received (e.g.In respect of valid applications received (e.g.

, the same day's closing N, maturity claim, switch out etc) up to 3.00

, the same day's closing N, maturity claim, switch out etc) up to 3.00

In respect of valid applications received (e.g., maturity claim, switch out etc) up to 3.00

In respect of valid applications received (e.g.

payable stated in the contract will not be acceptedpayable stated in the contract will not be acceptedAny amount less than the due stipulated regular premiumpayable stated in the contract will not be acceptedAny amount less than the due stipulated regular premium

For advance renewal premium the closing NAAV of theAV of theA

on which cheques/demand draft is realized shall beon which cheques/demand draft is realized shall beV of the day

on which cheques/demand draft is realized shall be

outstation cheques/demand drafts at the place whereV of the day

outstation cheques/demand drafts at the place where

The value of the fund will be equal to the no of unitsThe value of the fund will be equal to the no of units

day shall be applicable, the closing N, the closing N

, maturity claim, switch etc) after 3.00 p.m., the closing N

, maturity claim, switch etc) after 3.00 p.m., the closing N

In respect of valid applications received (e.g., maturity claim, switch etc) after 3.00 p.m.

In respect of valid applications received (e.g.In respect of valid applications received (e.g.

, the same day's closing N, the same day's closing N, the same day's closing N, maturity claim, switch out etc) up to 3.00, maturity claim, switch out etc) up to 3.00

In respect of valid applications received (e.g.In respect of valid applications received (e.g.

payable stated in the contract will not be accepted

at the valuation date. This shall be the amount of money that the company should take out of the fund in respect of each unit it cancels in order to preserve the interests of the continuing policyholders.

Computation of Net Asset Value (NAV):

When Appropriation price is applied: The NAV for a particular fund shall be computed as: Market value of investment held by the fund plus the expenses incurred in the purchase of the assets plus the value of any current assets plus any accrued income net of fund management charges less the value of any current liabilities less provisions, if any. This gives the net asset value of the fund. Dividing by the number of units existing at the valuation date (before any new units are allocated), gives the unit price of the fund under consideration.

When Expropriation price is applied: The NAV for a particular fund shall be computed as: Market Value of investment held by the fund less the expenses incurred in the sale of the assets plus the value of any current assets plus any accrued income net of fund management charges less the value of any current liabilities less provisions, if any. This gives the net asset value of the fund. Dividing by the number of units existing at the valuation date (before any units are redeemed), gives the unit price of the fund under consideration.

In case the valuation day falls on a holiday, then the exercise will be done the following working day.

We reserve the right to value less frequently than daily in extreme circumstances, where the value of the assets may be too uncertain. In such circumstances we may defer valuation of assets until normality returns. Examples of such circumstances are:

a) When one or more stocks exchanges which provide a basis for valuation for a substantial portion of the assets of the fund are closed otherwise than for ordinary holidays

b) When, as a result of political, economic, monetary or any circumstances out of our control, the disposal of the assets of the unit fund are not reasonable or would not reasonably be practicable without being detrimental to the interests of the remaining unit holders.

c) During periods of extreme volatility of markets during which surrenders and switches would, in our opinion, be detrimental to the interests of the existing unit holders of the fund.

d) In the case of natural calamities, strikes, war, civil unrest, riots and bandhs.

e) In the event of any force majeure or disaster that affects our normal functioning.

f) If so directed by the IRDA.

tanWn

Whe

ordinaordinaassets of the fund are closed othebasis for valuation for a substantial portion of theassets of the fund are closed othebasis for valuation for a substantial portion of theWhen one or more stocks exchanges which provide a

cumstances are

When one or more stocks exchanges which provide a

cumstances arevaluation of assets until normality returns. Examples of

cumstances are

be too uncertain. In such civaluation of assets until normality returns. Examples ofbe too uncertain. In such ci

cumstances, where the value of the assets maybe too uncertain. In such ci

cumstances, where the value of the assets mayve the right to value less frequently than daily in

cumstances, where the value of the assets mayve the right to value less frequently than daily in

cise will be done the following working dayIn case the valuation day falls on a holida

cise will be done the following working dayIn case the valuation day falls on a holidaIn case the valuation day falls on a holida

unit price of the fund under considerationunit price of the fund under considerationvaluation date (before any units are redeemed), gives theunit price of the fund under considerationvaluation date (before any units are redeemed), gives thefund. Dividing by the number of units existing at thevaluation date (before any units are redeemed), gives the

. This gives the net asset value of thefund. Dividing by the number of units existing at the

charges less the value of any current liabilities less. This gives the net asset value of the

charges less the value of any current liabilities lessplus any accrued income net of fund managementcharges less the value of any current liabilities less

the sale of the assets plus the value of any current assetsplus any accrued income net of fund management

investment held by the fund less the expenses incurred inthe sale of the assets plus the value of any current assetsinvestment held by the fund less the expenses incurred inthe sale of the assets plus the value of any current assetsinvestment held by the fund less the expenses incurred inparticular fund shall be computed as: Market investment held by the fund less the expenses incurred inparticular fund shall be computed as: Market

The NV

The NA

the unit price of the fund under consideration

AV for a

valuation date (before any new units are allocated), givesfund. Dividing by the number of units existing at thevaluation date (before any new units are allocated), givesfund. Dividing by the number of units existing at the

. This gives the net asset value of thefund. Dividing by the number of units existing at the

. This gives the net asset value of the

assets plus any accrued income net of fund managementchase of the assets plus the value of any current

assets plus any accrued income net of fund managementchase of the assets plus the value of any current

c)

tontonothe a

t

y ccirn, a

ry holidayy holidayassets of the fund are closed othe

y holiday

basis for valuation for a substantial portion of theassets of the fund are closed othebasis for valuation for a substantial portion of theWhen one or more stocks exchanges which provide abasis for valuation for a substantial portion of theWhen one or more stocks exchanges which provide a

cumstances arevaluation of assets until normality returns. Examples of

cumstances arevaluation of assets until normality returns. Examples ofbe too uncertain. In such civaluation of assets until normality returns. Examples of

cumstances, where the value of the assets maybe too uncertain. In such ci

cumstances, where the value of the assets mayve the right to value less frequently than daily in

cumstances, where the value of the assets mayve the right to value less frequently than daily in

cise will be done the following working daycise will be done the following working dayIn case the valuation day falls on a holida

cise will be done the following working dayIn case the valuation day falls on a holidaIn case the valuation day falls on a holida

unit price of the fund under considerationvaluation date (before any units are redeemed), gives theunit price of the fund under considerationvaluation date (before any units are redeemed), gives thefund. Dividing by the number of units existing at thevaluation date (before any units are redeemed), gives the

. This gives the net asset value of thefund. Dividing by the number of units existing at the

. This gives the net asset value of thecharges less the value of any current liabilities less

. This gives the net asset value of thecharges less the value of any current liabilities lesscharges less the value of any current liabilities lessplus any accrued income net of fund managementcharges less the value of any current liabilities lessplus any accrued income net of fund managementthe sale of the assets plus the value of any current assetsplus any accrued income net of fund management

investment held by the fund less the expenses incurred inthe sale of the assets plus the value of any current assetsinvestment held by the fund less the expenses incurred in

Vinvestment held by the fund less the expenses incurred in

Value ofV for aV for a

valuation date (before any new units are allocated), givesvaluation date (before any new units are allocated), givesvaluation date (before any new units are allocated), gives

When one or more stocks exchanges which provide abasis for valuation for a substantial portion of theWhen one or more stocks exchanges which provide a

cumstances are:valuation of assets until normality returns. Examples of

:valuation of assets until normality returns. Examples ofbe too uncertain. In such cirvaluation of assets until normality returns. Examples of

cumstances, where the value of the assets maybe too uncertain. In such circumstances we may defer

cumstances, where the value of the assets mayve the right to value less frequently than daily in

cumstances, where the value of the assets mayve the right to value less frequently than daily in

cise will be done the following working day

ve the right to value less frequently than daily in

cise will be done the following working dayIn case the valuation day falls on a holida

cise will be done the following working dayIn case the valuation day falls on a holida

unit price of the fund under considerationunit price of the fund under considerationunit price of the fund under considerationvaluation date (before any units are redeemed), gives thevaluation date (before any units are redeemed), gives thefund. Dividing by the number of units existing at thevaluation date (before any units are redeemed), gives thefund. Dividing by the number of units existing at the

. This gives the net asset value of thecharges less the value of any current liabilities less

. This gives the net asset value of thecharges less the value of any current liabilities lessplus any accrued income net of fund managementcharges less the value of any current liabilities lessplus any accrued income net of fund management

Cancellation of units:

To meet fees and charges, and to pay benefits, the company will cancel sufficient units to meet the amount of the payments which are due. If units are held in more than one unit linked fund, then the company will cancel sufficient units in each fund to meet the amount of the payment. The value of units cancelled in a particular fund will be in the same proportion as the value of units held in that fund is to the total value of units held across all funds. For benefit payments and for fees and charges, the company will cancel the units on the date of such benefit payment or collection of charges..

The company may delay the allocation or cancellation of units to allow for the orderly purchase or sale of assets in the case of high value transactions either for a particular policy or for a unit linked fund as a whole.

The value of policyholder's unit account:

The value of a policyholder's unit account at any time is the number of units allocated to the contract at that time multiplied by the applicable unit price. If a policyholder holds units in more than one unit linked fund, then the value of the unit account for that policyholder is the total value across all unit linked funds.

Flexibilities

Flexibility to pay top-ups: If you have received a bonus or some lumpsum money you can use that as a top-up to increase your investments at any time in your Policy only, where due basic regular premiums are paid up to date. The minimum Top up amount is Rs. 2,500. There is no restriction on the maximum amount of top-ups. However, the total top up premiums at any point of time shall not exceed 25% of the total basic plan premium paid till that time.

The minimum top-up amount is Rs. 2,500.

98% of any amount paid as top-up is allocated to your funds.

Flexibility to pay Single Premium: If you do not want to pay premium regularly, you can choose to opt for Single Premium. The minimum Single Premium amount is Rs. 30000.

Flexibility to Switch between funds: Depending upon the performance of your funds you can switch between them. At any time the policy owner may instruct us in writing to switch some or all of the units from one unit linked fund to another. The company will give effect to this switch by cancelling units in the old fund and allocating units in the new fund at the prevailing unit price.

In respect of switching requisition received up to 3.00 p.m. by the company, the closing unit price of the day shall be

is Rs. 30000Single Premium. The minimum Single Premium amountis Rs. 30000Single Premium. The minimum Single Premium amountto pay premium regularlFlexibility to pay Single Premiumto pay premium regularlFlexibility to pay Single Premium

% of any

Flexibility to pay Single Premium

% of any

The minimum top-up amount is Rs. 2,500.

% of any

The minimum top-up amount is Rs. 2,500.

paid till that time

The minimum top-up amount is Rs. 2,500.

paid till that timeshall not exceed 25% of the total basic plan premiumpaid till that time

, the total top up premiums at any point of timeshall not exceed 25% of the total basic plan premium

, the total top up premiums at any point of timeno restriction on the maximum amount of top-ups.

, the total top up premiums at any point of timeno restriction on the maximum amount of top-ups.

, where due basic regular premiums are paid up todate. The minimum

, where due basic regular premiums are paid up to, where due basic regular premiums are paid up toincrease your investments at any time in your Policy

, where due basic regular premiums are paid up to

or some lumpsum money you can use that as a top-up toincrease your investments at any time in your Policyor some lumpsum money you can use that as a top-up toFlexibility to pay top-upsor some lumpsum money you can use that as a top-up toFlexibility to pay top-ups:

value across all unit linked fundsvalue of the unit account for that policyholder is the totalvalue across all unit linked fundsvalue of the unit account for that policyholder is the totalholds units in more than one unit linked fund, then themultiplied by the applicable unit price. If a policyholderholds units in more than one unit linked fund, then themultiplied by the applicable unit price. If a policyholderthe number of units allocated to the contract at that timeThe value of a policyholder's unit account at any time isThe value of a policyholder's unit account at any time is

ount::

the case of high value transactions either for a particularthe case of high value transactions either for a particularchase or sale of assets in

the case of high value transactions either for a particular

The company may delay the allocation or cancellation ofchase or sale of assets in

The company may delay the allocation or cancellation of The company may delay the allocation or cancellation of

is Rs. 30000

l

is Rs. 30000Single Premium. The minimum Single Premium amountis Rs. 30000Single Premium. The minimum Single Premium amountto pay premium regularlFlexibility to pay Single PremiumFlexibility to pay Single Premium

% of any a% of any a

The minimum top-up amount is Rs. 2,500.The minimum top-up amount is Rs. 2,500.

paid till that timeshall not exceed 25% of the total basic plan premiumpaid till that timeshall not exceed 25% of the total basic plan premium

, the total top up premiums at any point of timeshall not exceed 25% of the total basic plan premium

no restriction on the maximum amount of top-ups., the total top up premiums at any point of time

no restriction on the maximum amount of top-ups.Top up amount is Rs. 2,500. There isTop up amount is Rs. 2,500. There isT

no restriction on the maximum amount of top-ups.Top up amount is Rs. 2,500. There isTop up amount is Rs. 2,500. There isT

, where due basic regular premiums are paid up toincrease your investments at any time in your Policy

, where due basic regular premiums are paid up toincrease your investments at any time in your Policyor some lumpsum money you can use that as a top-up toincrease your investments at any time in your Policy

If you have received a bonusor some lumpsum money you can use that as a top-up to

If you have received a bonus If you have received a bonus

value of the unit account for that policyholder is the totalholds units in more than one unit linked fund, then thevalue of the unit account for that policyholder is the totalholds units in more than one unit linked fund, then themultiplied by the applicable unit price. If a policyholderholds units in more than one unit linked fund, then themultiplied by the applicable unit price. If a policyholdermultiplied by the applicable unit price. If a policyholderthe number of units allocated to the contract at that timemultiplied by the applicable unit price. If a policyholder

The value of a policyholder's unit account at any time isthe number of units allocated to the contract at that timeThe value of a policyholder's unit account at any time isThe value of a policyholder's unit account at any time is

the case of high value transactions either for a particularthe case of high value transactions either for a particularchase or sale of assets in

The company may delay the allocation or cancellation ofchase or sale of assets in

The company may delay the allocation or cancellation of

shall not exceed 25% of the total basic plan premium, the total top up premiums at any point of time

shall not exceed 25% of the total basic plan premium

no restriction on the maximum amount of top-ups., the total top up premiums at any point of time

no restriction on the maximum amount of top-ups., the total top up premiums at any point of time

op up amount is Rs. 2,500. There isno restriction on the maximum amount of top-ups.

, where due basic regular premiums are paid up toop up amount is Rs. 2,500. There is

increase your investments at any time in your Policy, where due basic regular premiums are paid up to

increase your investments at any time in your Policyincrease your investments at any time in your Policyor some lumpsum money you can use that as a top-up toincrease your investments at any time in your Policy

If you have received a bonusor some lumpsum money you can use that as a top-up to

If you have received a bonus If you have received a bonus

value of the unit account for that policyholder is the totalholds units in more than one unit linked fund, then thevalue of the unit account for that policyholder is the totalholds units in more than one unit linked fund, then themultiplied by the applicable unit price. If a policyholderholds units in more than one unit linked fund, then themultiplied by the applicable unit price. If a policyholderthe number of units allocated to the contract at that timemultiplied by the applicable unit price. If a policyholder

applicable. In respect of switching requisition received after 3.00 p.m. by the company, the closing unit price of the next business day shall be applicable. The policyholder is entitled to fifty two free switches each policy year. Unused free switches cannot be carried forward to a following year.

What is the Policy Term?

Fixed policy term: 10 years

Who can buy this product?

Minimum age at entry : 66 years

Maximum age at entry : 75 years

Maximum age at vesting : 85 years

What if I want to discontinue paying premium?

During first 3 years of the inception of the policy: If premiums have not been paid for at least three consecutive years from inception, the Policy will continue to participate in the performance of Unit Funds chosen by you. The monthly policy administration charges will be deducted from the Fund Value by cancellation of units. The fund management charge will be priced in the unit value.

Anytime during this period, should the life insured die; the fund value will be paid.

You may revive the Policy by payment of due premium(s) within the Revival Period of 2 years from the date of first unpaid premium or before the Maturity Date of the Policy whichever is earlier.

In the event the Policy is not revived during Revival Period, the Policy shall be terminated and the Surrender Value, if any, shall be paid at the end of the period allowed for revival.

After paying of at least 3 full years' premiums: If premiums have been paid for at least three consecutive years and subsequent premiums are unpaid, the Policy will continue to participate in the performance of the Unit Funds chosen by you. The policy administration charges will be deducted from the Fund Value by cancellation of units. The fund management charge will be priced in the unit value.

You may revive the policy by payment of due premium(s) within a period of 2 years from the date of first unpaid premium or before the Maturity Date of the policy whichever is earlier. At the end of the allowed period for revival, if the policy is not revived, the policy shall be terminated by paying the Surrender Value.

However, the policyholder may opt to continue the policy even beyond the revival period (but not beyond the maturity date of the policy). The policy

be priced in the unit valuecancellation of units. The fund management charge willbe priced in the unit valuecancellation of units. The fund management charge willcharges will be deducted from the Fund Unit Funds chosen by you. The policy administrationcharges will be deducted from the Fund Unit Funds chosen by you. The policy administrationwill continue to participate in the performance of theUnit Funds chosen by you. The policy administration

years and subsequent premiums are unpaid, the Policywill continue to participate in the performance of theyears and subsequent premiums are unpaid, the Policypremiums have been paid for at least three consecutiveyears and subsequent premiums are unpaid, the Policy

After paying of at least 3 full years' premiumspremiums have been paid for at least three consecutiveAfter paying of at least 3 full years' premiumsAfter paying of at least 3 full years' premiums

allowed for revival., shall be paid at the end of the period

allowed for revival.

Period, the Policy shall be terminated and the Surrender, shall be paid at the end of the period

Period, the Policy shall be terminated and the SurrenderIn the event the Policy is not revived during RevivalIn the event the Policy is not revived during Revival

unpaid premium or before the Maturity Date of the Policywithin the Revival Period of 2 years from the date of firstunpaid premium or before the Maturity Date of the Policywithin the Revival Period of 2 years from the date of firstou may revive the Policy by payment of due premium(s)

within the Revival Period of 2 years from the date of firstou may revive the Policy by payment of due premium(s)

Anytime during this period, should the life insured die;Anytime during this period, should the life insured die;Anytime during this period, should the life insured die;

ed on of i

ges on of

ges chosen b

nt chosen b

ntinue threhrehe phrehe p

emiumemium

be priced in the unit value

ou may revive the policy by payment of due premium(s)

be priced in the unit valuecancellation of units. The fund management charge willbe priced in the unit valuecancellation of units. The fund management charge willcharges will be deducted from the Fund Unit Funds chosen by you. The policy administrationwill continue to participate in the performance of theUnit Funds chosen by you. The policy administrationwill continue to participate in the performance of theyears and subsequent premiums are unpaid, the Policyyears and subsequent premiums are unpaid, the Policypremiums have been paid for at least three consecutiveyears and subsequent premiums are unpaid, the Policy

After paying of at least 3 full years' premiumspremiums have been paid for at least three consecutiveAfter paying of at least 3 full years' premiumspremiums have been paid for at least three consecutiveAfter paying of at least 3 full years' premiums

allowed for revival., shall be paid at the end of the period

allowed for revival.

Period, the Policy shall be terminated and the Surrender, shall be paid at the end of the period

Period, the Policy shall be terminated and the Surrender, shall be paid at the end of the period

In the event the Policy is not revived during RevivalPeriod, the Policy shall be terminated and the SurrenderIn the event the Policy is not revived during RevivalIn the event the Policy is not revived during Revival

unpaid premium or before the Maturity Date of the Policyunpaid premium or before the Maturity Date of the Policywithin the Revival Period of 2 years from the date of firstou may revive the Policy by payment of due premium(s)

within the Revival Period of 2 years from the date of firstou may revive the Policy by payment of due premium(s)ou may revive the Policy by payment of due premium(s)

Anytime during this period, should the life insured die;Anytime during this period, should the life insured die;

n thn thn of uuni

wililly

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, shall be paid at the end of the period, shall be paid at the end of the periodPeriod, the Policy shall be terminated and the Surrender

, shall be paid at the end of the period

In the event the Policy is not revived during RevivalPeriod, the Policy shall be terminated and the SurrenderIn the event the Policy is not revived during Revival

unpaid premium or before the Maturity Date of the Policyunpaid premium or before the Maturity Date of the Policywithin the Revival Period of 2 years from the date of firstunpaid premium or before the Maturity Date of the Policy

ou may revive the Policy by payment of due premium(s)within the Revival Period of 2 years from the date of firstou may revive the Policy by payment of due premium(s)ou may revive the Policy by payment of due premium(s)

Anytime during this period, should the life insured die;Anytime during this period, should the life insured die;Anytime during this period, should the life insured die;

e un unnitsts

be ded yo

be ded you

administration charges will be deducted from the Fund Value by cancelling the units. The policy will continue to participate in the performance of the unit funds chosen by the policyholder.

When the fund value reaches an amount equal to one full year's premium plus the surrender charge, the policy will be terminated by paying the fund value.

Foreclosure of Policies

In respect of fully paid up policies (single premium policies), and policies under which the premium is being paid, if the fund value is less than the policy administration charge for the next month, the policy will be foreclosed by paying the fund value.

Revival

You may revive a Policy by payment of due premium(s) at any time within a period of 2 years from the due date of first unpaid premium but before the Maturity Date of the Policy.

What if I want to discontinue the policy?

You may surrender your Policy after three years from commencement. The Surrender Value we will pay is a percentage of your Fund Balance according to the following table:

For top up premium, the surrender value will be acquired immediately on payment of top up. However, it will be payable on completion of three years from the date of payment of Top Up (this condition will not apply if the top-up premiums are paid during the last three years of the contract). There is no surrender charge on the top ups. The surrender value is therefore equal to the fund value under the top ups. In case of surrender of the basic policy after 3 years, the surrender value of top-ups is paid immediately.

For Single Premium, Surrender Value will be acquired immediately on payment of the single premium. However, the surrender value will be payable after the completion of three policy anniversaries. There are no surrender charges.

Whenever full surrender value of base plan is paid, the surrender value of any attaching top ups will also be paid.

Year of policy surrender Surrender Value as a% of the Fund Value

First 3 years

4th Policy Year

5th Policy Year

6th and subsequent Policy Year

Nil

80%

90%

100%

scontop

ymp-uymeableedia

able on coediat

upp pr

6th and subsequent Policy 6th and subsequent Policy

earr

y surrendeende

centage of your Fund Balance according to thecentage of your Fund Balance according to thecommencement. The Surrender ou may surrender your Policy after three years from

commencement. The Surrender Vou may surrender your Policy after three years from

ontinue the poliontinue the poliontinue the poli

first unpaid premium but before the Maturity Date of theany time within a period of 2 years from the due date offirst unpaid premium but before the Maturity Date of theany time within a period of 2 years from the due date ofou may revive a Policy by payment of due premium(s) at

any time within a period of 2 years from the due date ofou may revive a Policy by payment of due premium(s) atou may revive a Policy by payment of due premium(s) atou may revive a Policy by payment of due premium(s) at

administration charge for the next month, the policy willadministration charge for the next month, the policy willadministration charge for the next month, the policy will

policies), and policies under which the premium is beingpolicies), and policies under which the premium is being

urthe

rrecontrac

ndcontrac

up pnt of on cot of on co

ely on ly on premy on prem

6th and subsequent Policy 6th and subsequent Policy

ender

centage of your Fund Balance according to thecentage of your Fund Balance according to theValue we will pay is a

centage of your Fund Balance according to thealue we will pay is a

ou may surrender your Policy after three years fromou may surrender your Policy after three years from

ontinue the poliontinue the polic

first unpaid premium but before the Maturity Date of thefirst unpaid premium but before the Maturity Date of theany time within a period of 2 years from the due date offirst unpaid premium but before the Maturity Date of the

ou may revive a Policy by payment of due premium(s) atany time within a period of 2 years from the due date ofou may revive a Policy by payment of due premium(s) at

any time within a period of 2 years from the due date ofou may revive a Policy by payment of due premium(s) at

administration charge for the next month, the policy willadministration charge for the next month, the policy will

6th and subsequent Policy

centage of your Fund Balance according to thecentage of your Fund Balance according to thealue we will pay is a

centage of your Fund Balance according to thealue we will pay is a

ou may surrender your Policy after three years fromalue we will pay is a

ou may surrender your Policy after three years fromou may surrender your Policy after three years from

y??

Are there any flexible Premium Payment Modes?

a) Single Premium with minimum premium of Rs. 30000.

b) Yearly with minimum premium of Rs 20,000

c) Half-yearly with minimum premium of Rs 10,000

d) Quarterly with minimum premium of Rs 5,000

e) Monthly with minimum premium of Rs 2500

f) Minimum top-up premiums is Rs. 2,500

Grace Period

Premiums due, have to be paid within the grace period of 30 days. 15 days for monthly mode.

Charges and Recovery of Charges under the plan

1. Premium Allocation Charge:

The allocation charges are deducted as percentage of premium (regular or top - up as the case may be) before allocation of units.

First Year Allocation Charge : 7.5%

Subsequent premiums : 5%

Single Premiums : 2%

Top up premiums : 2%

2. Fund Management Charges:

The Fund Management Charge is levied on daily basis at the time of computation of unit price.

3. Switching Charge:

There are 52 free switches during any policy year. Subsequent switches if any will have a fixed charge of Rs 100 per switch. This charge will be recovered by cancellation of units.

4. Policy Administration Charge:

A monthly administration charge of Rs. 40 will be deducted by cancelling units in advance at the beginning of the month every year.

New Fund Name Annual Rate

New Balanced fund

New Growth Fund

New Money Market Fund

New Equity Fund

New Pure Equity Fund

New Infrastructure Fund

New Midcap Fund

New Energy Fund

1.30% p.a

1.30% p.a.

1.25% p.a

1.35% p.a.

1.35% p.a.

1.35% p.a

1.35% p.a

1.35% p.a

The Fund Management Charge is levied on daily basis

New Energy FunNew Energy Fun

New Midcap Fund New Midcap Fund

New Infrastructure Fund New Infrastructure Fund

New Pure Equity Fun

New Infrastructure Fund

New Pure Equity Fun

New Equity FundNew Equity Fund

New Money Market Fun

New Equity Fund

New Money Market Fun

New Growth FundNew Growth FundNew Growth Fund

New Balanced funNew Balanced fundd

am

Fund Management ChargesFund Management ChargesFund Management Charges

:: 5

7.5 7.5

premium (regular or top - up as the case may be)premium (regular or top - up as the case may be)The allocation charges are deducted as pepremium (regular or top - up as the case may be)The allocation charges are deducted as peThe allocation charges are deducted as pe

the pla

Premiums due, have to be paid within the grace period ofPremiums due, have to be paid within the grace period ofPremiums due, have to be paid within the grace period of

3.

at the time of computation of unit priceat the time of computation of unit priceThe Fund Management Charge is levied on daily basisat the time of computation of unit priceThe Fund Management Charge is levied on daily basis

New Energy FunNew Energy Fun

New Midcap Fund

New Energy Fun

New Midcap Fund New Midcap Fund New Midcap Fund

New Infrastructure Fund New Infrastructure Fund

New Pure Equity FunNew Pure Equity Fun

New Equity FundNew Equity Fund

New Money Market FunNew Money Market Fun

New Growth FundNew Growth Fund

Fund Management ChargesFund Management ChargesFund Management Charges:

: 2 2

2 2%

%%

%%%

premium (regular or top - up as the case may be)centage of

premium (regular or top - up as the case may be)centage ofcentage of

n

Premiums due, have to be paid within the grace period ofPremiums due, have to be paid within the grace period of

New Equity Fund

New Pure Equity Fun

New Equity Fund

New Money Market FunNew Money Market Fun

2%%

5. Surrender Charges:

The Surrender Charges as percentage of Fund Value are given below:

Note: The surrender charge is not applicable on top-up premium units and on single premium policies.

6. Service Tax Charge:

The service charge will be levied on Policy Administration Charge, Fund Management Charge, Allocation charges and Switching charge. The level and amount of this charge will be as declared by the Government from time to time. The current rate of service tax on risk premium is 10.3% (Service tax of 10% along with education cess of 3%).

The Service Tax Charge on Fund Management Charge will be priced in the unit price of each Fund on a daily basis .The Service Tax charge on allocation charge will be deducted from the premium along with the allocation charge. The Service Tax charge on Policy Administration Charge, Switching charge will be recovered by cancellation of units at the prevailing unit price.

7. Charges levied by the Government in Future:

In future the Company may decide to pass on any additional charges levied by the governmental or any statutory authority to the policyholder. Whenever the company decides to pass on the additional charges to the policy holder, the method of collection of these charges shall be informed to them.

In the event that units are held in more than one Fund, the cancellation of units will be effected in the same proportion as the value of units held in each Fund. In case the fund value in any fund goes down to the extent that it is not sufficient to support the proportionate monthly charges, then the same shall be deducted from the fund value of the other funds.

Revision of Charges:

The revision in charges if any ( except the service tax charge) will take place only after giving three months notice to the policyholders and after obtaining specific prior approval of the IRDA. The service tax charge will be revised as and when notified by the Government.

Year of policysurrender

Surrender Charges as percentageof Fund Value

1 to 3

4

5

6 or more

Surrender Value not available

20%

10%

Nil

Fund, the cancellation of units will be effected in theIn the event that units are held in more than oneFund, the cancellation of units will be effected in theIn the event that units are held in more than one

charges shall be informed to themcharges shall be informed to themthe policy holdecharges shall be informed to them

company decides to pass on the additional charges tothe policy holdecompany decides to pass on the additional charges to

y authority to the policyholdecompany decides to pass on the additional charges to

additional charges levied by the governmental or anyy authority to the policyholde

In future the Company may decide to pass on anyadditional charges levied by the governmental or anyIn future the Company may decide to pass on anyadditional charges levied by the governmental or any

Charges levied by the Gove

In future the Company may decide to pass on any

Charges levied by the GoveCharges levied by the Gove

recovered by cancellation of units at the prevailingrecovered by cancellation of units at the prevailingAdministration Charge, Switching charge will berecovered by cancellation of units at the prevailingAdministration Charge, Switching charge will beallocation charge. The SeAdministration Charge, Switching charge will be

be deducted from the premium along with theallocation charge. The Sebe deducted from the premium along with the

ax charge on allocation charge willbe deducted from the premium along with the

ax charge on allocation charge willwill be priced in the unit price of each Fund on a daily

ax charge on allocation charge willwill be priced in the unit price of each Fund on a daily

ax Charge on Fund Management Chargewill be priced in the unit price of each Fund on a daily

ax Charge on Fund Management Charge

10% along with education cess of 3%).vice tax on risk premium is 10.3% (Se

10% along with education cess of 3%).vice tax on risk premium is 10.3% (Se

Government from time to time. The current rate ofand amount of this charge will be as declared by theAllocation charges and Switching charge. The leveland amount of this charge will be as declared by theAllocation charges and Switching charge. The levelAdministration Charge, Fund Management Charge,Allocation charges and Switching charge. The levelAdministration Charge, Fund Management Charge,Administration Charge, Fund Management Charge,

vice charge will be levied on PolicyAdministration Charge, Fund Management Charge,

the extent that it is not sufficient to support theFund. In case the fund value in any fund goes down tothe extent that it is not sufficient to support the

same proportion as the value of units held in eachFund. In case the fund value in any fund goes down tosame proportion as the value of units held in eachFund. In case the fund value in any fund goes down to

Fund, the cancellation of units will be effected in thesame proportion as the value of units held in eachFund, the cancellation of units will be effected in theIn the event that units are held in more than oneIn the event that units are held in more than one

charges shall be informed to themcharges shall be informed to themthe policy holdecharges shall be informed to them

company decides to pass on the additional charges tothe policy holdecompany decides to pass on the additional charges tothe policy holde

y authority to the policyholdecompany decides to pass on the additional charges to

y authority to the policyholdeadditional charges levied by the governmental or anyIn future the Company may decide to pass on anyadditional charges levied by the governmental or anyIn future the Company may decide to pass on any

Charges levied by the Gove

In future the Company may decide to pass on any

Charges levied by the Gove

recovered by cancellation of units at the prevailingAdministration Charge, Switching charge will berecovered by cancellation of units at the prevailingAdministration Charge, Switching charge will be

vice vice be deducted from the premium along with thebe deducted from the premium along with the

ax charge on allocation charge willbe deducted from the premium along with the

will be priced in the unit price of each Fund on a dailyax charge on allocation charge will

will be priced in the unit price of each Fund on a dailyax Charge on Fund Management Charge

will be priced in the unit price of each Fund on a dailyax Charge on Fund Management Charge

10% along with education cess of 3%).10% along with education cess of 3%).vice tax on risk premium is 10.3% (Se

10% along with education cess of 3%).vice tax on risk premium is 10.3% (Sevice tax on risk premium is 10.3% (Se

Government from time to time. The current rate ofvice tax on risk premium is 10.3% (Se

and amount of this charge will be as declared by theGovernment from time to time. The current rate ofand amount of this charge will be as declared by theAllocation charges and Switching charge. The leveland amount of this charge will be as declared by theAllocation charges and Switching charge. The levelAdministration Charge, Fund Management Charge,Allocation charges and Switching charge. The levelAdministration Charge, Fund Management Charge,

additional charges levied by the governmental or anyy authority to the policyholde

additional charges levied by the governmental or anyIn future the Company may decide to pass on anyadditional charges levied by the governmental or anyIn future the Company may decide to pass on any

Charges levied by the GoveCharges levied by the Gove

recovered by cancellation of units at the prevailingAdministration Charge, Switching charge will berecovered by cancellation of units at the prevailingAdministration Charge, Switching charge will be

vice Tax charge on PolicyAdministration Charge, Switching charge will be

Tax charge on PolicyTax charge on PolicyTbe deducted from the premium along with the

ax charge on allocation charge willbe deducted from the premium along with the

ax charge on allocation charge willax charge on allocation charge willwill be priced in the unit price of each Fund on a dailywill be priced in the unit price of each Fund on a daily

ax Charge on Fund Management Chargewill be priced in the unit price of each Fund on a daily

ax Charge on Fund Management Charge

rvice tax ofGovernment from time to time. The current rate of

vice tax of

If the policyholder does not agree with the modified charges, they shall be allowed to withdraw the units in the plans at the then prevailing unit value after paying surrender charge if any and terminate the Policy.

The Company reserves the right to change the Policy Administration Charges and Fund Management charge. However, the maximum FMC on any fund will be 1.35% p.a. and the maximum Policy Administration Charges will be Rs.80 per month.

The switching charge can be increased up to Rs. 500per switch.

How safe is your investment?

1. The contribution paid in unit linked insurance policies are subject to investment risks associated with capital markets and NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital markets and the policyholder is responsible for his/her decisions.

2. "Reliance Life Insurance Company Limited" is the name of the company and "Reliance Life Super Golden Years Term 10 Senior Citizen Plan" is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or returns.

3. The names of the Fund Option(s) do not in any manner indicate the quality of the Fund Option(s) or their future prospects or returns. The Fund Option(s) do not offer any guarantee or assure any guaranteed return;

4. Investments in Units are subject to market and other risks. Investment risk in investment portfolio is borne by the Policyholder. There is no assurance that the objectives of the Fund Option shall be achieved;

5. The Unit Price of the Units may fluctuate depending on factors and forces affecting the capital markets and the level of interest rates prevailing in the market;

6. Past performance of the Fund Options is not indicative of future performance of any of those Funds.

7. All Benefits payable under this Policy are subject to tax laws and other fiscal enactments in effect from time to time.

8. The Company reserves the right to suspend the Allocation, reallocation, cancellation and/or Switching of Units under extraordinary circumstances such as extreme volatility of assets, extended suspension of trading on stock exchange, natural calamities, riots and other similar events or force majeure circumstances.

. Past pPast p

the level of interest rates prevailing in the marketthe level of interest rates prevailing in the marketon factors and fothe level of interest rates prevailing in the market

The Unit Price of the Units may fluctuate dependingon factors and foThe Unit Price of the Units may fluctuate dependingThe Unit Price of the Units may fluctuate depending

objectives of the Fund Option shall be achievedby the Policyholdeobjectives of the Fund Option shall be achieved

risks. Investment risk in investment portfolio is borneby the Policyholderisks. Investment risk in investment portfolio is borneby the Policyholde

Investments in Units are subject to market and otherrisks. Investment risk in investment portfolio is borneInvestments in Units are subject to market and other

guaran guarantees or r

y of re

y of nd Op

y of nd Op

ppro in any wa in any wa

n Planeliance L

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policyholder is responsible for his/her decisionsfactors influencing the capital markets and thepolicyholder is responsible for his/her decisions

down based on the performance of the fund andfactors influencing the capital markets and thedown based on the performance of the fund anddown based on the performance of the fund and

Vs of the units may go up orVs of the units may go up orpolicies are subject to investment risks associated with

Vs of the units may go up orpolicies are subject to investment risks associated withThe contribution paid in unit linked insuranceThe contribution paid in unit linked insurance

7.

of fPast pof fPast p

the level of interest rates prevailing in the marketon factors and fothe level of interest rates prevailing in the marketon factors and foThe Unit Price of the Units may fluctuate dependingon factors and foThe Unit Price of the Units may fluctuate dependingThe Unit Price of the Units may fluctuate depending

objectives of the Fund Option shall be achievedobjectives of the Fund Option shall be achievedby the Policyholderisks. Investment risk in investment portfolio is borneby the Policyholderisks. Investment risk in investment portfolio is borneInvestments in Units are subject to market and otherrisks. Investment risk in investment portfolio is borneInvestments in Units are subject to market and other

or atur aurn

he Fund Ond Op

Fund Ond Opti

pect in any wa

pect in any wa

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ance Ln Plan" i

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any Limany Lim

policyholder is responsible for his/her decisionsfactors influencing the capital markets and thepolicyholder is responsible for his/her decisionsfactors influencing the capital markets and thedown based on the performance of the fund andfactors influencing the capital markets and thedown based on the performance of the fund and

Vs of the units may go up ordown based on the performance of the fund and

policies are subject to investment risks associated withVs of the units may go up or

policies are subject to investment risks associated withThe contribution paid in unit linked insurancepolicies are subject to investment risks associated with

by the Policyholdeobjectives of the Fund Option shall be achievedby the Policyholderrisks. Investment risk in investment portfolio is borneby the Policyholder. There is no assurance that therisks. Investment risk in investment portfolio is borneInvestments in Units are subject to market and otherInvestments in Units are subject to market and other

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Tax Benefit:

Premiums paid are eligible for tax deduction under the Income Tax Act, 1961 and subsequent amendments. Please note that all benefits payable under the policy are subject to tax laws and other financial enactments as they may exist from time to time. You are recommended to consult your tax advisor.

Free Look Period:

In case the Policyholder disagrees with any of the terms and conditions of the policy, he may return the policy to the Company within 15 days of its receipt for cancellation, stating his/her objections in which case the company will refund an amount equal to the non allocated premium plus the charges levied by cancellation of units plus fund value as on the date of receipt of the request in writing for cancellation.

About us

Reliance Life Insurance offers you products that fulfill your savings and protection needs. Our aim is to emerge as a transnational Life Insurer of global scale and standard.

Reliance Life Insurance Company Limited, a Reliance Capital Company is a part of Reliance - Anil Dhirubhai Ambani Group. Reliance Capital Limited is one of India's leading private sector financial services companies. Reliance Capital Limited has interests in asset management and mutual funds, stock broking, life and general insurance, proprietary investments, private equity and other activities in financial services.

Reliance - Anil Dhirubhai Ambani Group also has presence in Communications, Energy, Natural Resources, Media, Entertainment, Healthcare and Infrastructure.

Prohibition of Rebate: Section 41 of the Insurance Act, 1938 states:

1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.

Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of

out or renew or continue an insurance in respect ofor indirectlNo person shall allow or offer to alloor indirectlNo person shall allow or offer to allo

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Media, Entertainment, Healthcare and Infrastructurepresence in Communications, EnergMedia, Entertainment, Healthcare and Infrastructurepresence in Communications, EnergReliance - Anil Dhirubhai Ambani Group also haspresence in Communications, EnergReliance - Anil Dhirubhai Ambani Group also has

and other activities in financial segeneral insurance, proprietaand other activities in financial segeneral insurance, proprietamanagement and mutual funds, stock broking, life andgeneral insurance, proprieta

Reliance Capital Limited has interests in assetmanagement and mutual funds, stock broking, life and

leading private sector financial seReliance Capital Limited has interests in assetleading private sector financial seReliance Capital Limited has interests in assetleading private sector financial seAmbani Group. Reliance Capital Limited is one of India'sAmbani Group. Reliance Capital Limited is one of India'sCapital Company is a part of Reliance - Anil DhirubhaiReliance Life Insurance Company Limited, a RelianceCapital Company is a part of Reliance - Anil DhirubhaiReliance Life Insurance Company Limited, a Reliance

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of units plus fund value as on the date of receipt of theof units plus fund value as on the date of receipt of theallocated premium plus the charges levied by cancellationcompany will refund an amount equal to the nonallocated premium plus the charges levied by cancellationcompany will refund an amount equal to the noncancellation, stating his/her objections in which case thecancellation, stating his/her objections in which case the

, he may return the policy to, he may return the policy to

any rebate of the whole or part of the commissionany kind of risk relating to lives or property in India,any rebate of the whole or part of the commissionany kind of risk relating to lives or property in India,out or renew or continue an insurance in respect ofany kind of risk relating to lives or property in India,

or indirectlout or renew or continue an insurance in respect of

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Media, Entertainment, Healthcare and Infrastructurepresence in Communications, EnergMedia, Entertainment, Healthcare and Infrastructure

Reliance - Anil Dhirubhai Ambani Group also haspresence in Communications, EnergReliance - Anil Dhirubhai Ambani Group also hasReliance - Anil Dhirubhai Ambani Group also has

and other activities in financial segeneral insurance, proprietaand other activities in financial segeneral insurance, proprietamanagement and mutual funds, stock broking, life andgeneral insurance, proprietar

Reliance Capital Limited has interests in assetmanagement and mutual funds, stock broking, life andReliance Capital Limited has interests in assetleading private sector financial seReliance Capital Limited has interests in assetleading private sector financial seleading private sector financial serAmbani Group. Reliance Capital Limited is one of India'sCapital Company is a part of Reliance - Anil DhirubhaiAmbani Group. Reliance Capital Limited is one of India'sCapital Company is a part of Reliance - Anil DhirubhaiReliance Life Insurance Company Limited, a RelianceCapital Company is a part of Reliance - Anil DhirubhaiReliance Life Insurance Company Limited, a Reliance

obal scale and standard and standardtto o s thaha

of units plus fund value as on the date of receipt of theallocated premium plus the charges levied by cancellationof units plus fund value as on the date of receipt of theallocated premium plus the charges levied by cancellationallocated premium plus the charges levied by cancellation

cancellation, stating his/her objections in which case thecancellation, stating his/her objections in which case the

Media, Entertainment, Healthcare and InfrastructureMedia, Entertainment, Healthcare and Infrastructurepresence in Communications, EnergMedia, Entertainment, Healthcare and Infrastructurepresence in Communications, EnergReliance - Anil Dhirubhai Ambani Group also hasReliance - Anil Dhirubhai Ambani Group also has

y investments, private equityand other activities in financial se

y investments, private equityand other activities in financial se

y investments, private equitymanagement and mutual funds, stock broking, life and

y investments, private equitymanagement and mutual funds, stock broking, life andReliance Capital Limited has interests in assetmanagement and mutual funds, stock broking, life and

vices companies.Reliance Capital Limited has interests in asset

Ambani Group. Reliance Capital Limited is one of India'svices companies.

Ambani Group. Reliance Capital Limited is one of India'svices companies.

Ambani Group. Reliance Capital Limited is one of India'sCapital Company is a part of Reliance - Anil DhirubhaiReliance Life Insurance Company Limited, a RelianceCapital Company is a part of Reliance - Anil DhirubhaiReliance Life Insurance Company Limited, a RelianceReliance Life Insurance Company Limited, a Reliance

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premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer.

2) Any person making default in complying with the provisions of this section shall be punishable with a fine which may extend to five hundred rupees.

Section 45: Policy not to be called in question on ground of mis-statement after two years

1) No policy of life insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policy-holder and that the policy-holder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose:

2) Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal.

Reliance Life Insurance is a licensed life insurance company registered with Insurance Regulatory & Development Authority (IRDA) Registration No. 121.Development Authority (IRDA) Registration No. 121Development Authority (IRDA) Registration No. 121company registered with Insurance RegulatoDevelopment Authority (IRDA) Registration No. 121company registered with Insurance RegulatoReliance Life Insurance is a licensed life insuranceReliance Life Insurance is a licensed life insurance

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and that it was fraudulently made by thepolicy-holder and that the policy-holder knew at theand that it was fraudulently made by theor suppressed facts which it was material to discloseand that it was fraudulently made by the

shows that such statement was on a material matteror suppressed facts which it was material to discloseshows that such statement was on a material matter

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, was inaccurate or false, unless the insurer

, or referee, or friend of the insured, orin any other document leading to the issue of the

, or referee, or friend of the insured, or, or referee, or friend of the insured, orstatement made in the proposal or in any report of astatement made in the proposal or in any report of acalled in question by an insurer on the ground that statement made in the proposal or in any report of a

two years from the date on which it was effected becalled in question by an insurer on the ground that two years from the date on which it was effected be

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, was inaccurate or false, unless the insurershows that such statement was on a material matter

The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.

Reliance Life Insurance Company Limited is only the name of the Insurance Company and Reliance Life Super Golden Years Term 10 Senior Citizen Plan is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.

Tax laws are subject to changes with retrospective effect and consulting a tax expert for an opinion is recommended.

Note: This product brochure gives only the salient features of the plan. For further details on all the conditions, exclusions related to Reliance Life Super Golden Years Term 10 Senior Citizen Plan . Please contact our insurance advisors.

m 10 Senior Citizen PlaReliance Life Super

m 10 Senior Citizen PlaReliance Life Super

features of the plan. For further details on all theReliance Life Super

features of the plan. For further details on all the This product brochure gives only the salient

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features of the plan. For further details on all the This product brochure gives only the salient

effect and consulting a tax expert for an opinion iseffect and consulting a tax expert for an opinion isax laws are subject to changes with retrospective

effect and consulting a tax expert for an opinion isax laws are subject to changes with retrospective

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features of the plan. For further details on all theReliance Life Super

features of the plan. For further details on all the This product brochure gives only the salient This product brochure gives only the salient

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UIN for Reliance Life Super Golden Years Term 10 Senior Citizen Plan: 121L073V01,

Reliance Life Insurance Company Limited (Reg. No 121) Registered Office: H Block, 1st floor, Dhirubhai Ambani Knowledge City,Navi Mumbai, Maharashtra 400710, India

Customer Care Number: 1800 300 08181 & 3033 8181 Email: rlife.customerservice@relianceada.com Website: www.reliancelife.com

Insurance is the subject matter of the solicitation.

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