reliance super invest assure plan-v1

8/9/2019 Reliance Super Invest Assure Plan-V1

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A Reliance CapitalStrictly For Internal Communication Only

A Reliance Capital

Reliance Super InvestAssure Plan

June 3rd, 2008

Get More Than You Can Ask For!


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A Reliance CapitalStrictly For Internal Communication only

A Reliance Capital

AgendaAgenda

Consumer Speak

Introducing Reliance Super Invest Assure

Plan Details

Plan Summary


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A Reliance Capital

AgendaAgenda

Consumer Speak

Introducing Reliance Super Invest AssureIntroducing Reliance Super Invest Assure

Plan DetailsPlan Details

Plan SummaryPlan Summary


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A Reliance Capital

I have

earne

d

mone

y with

much

effort

s

Savings

will help

me protect

my money

I have my own

financial needs

With money

protection I

also need life

protection

I should have

options as per

my risk

capacity

Currently which

are good

investment

avenues?

Will these

investments reap

required returns and

safeguard my

money


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A Reliance Capital

How do I fulfill my needs?How do I fulfill my needs?

I want aComplete Plan

addressing my

needs

Financial

PlanningSecurity

Flexibility

Investment Return


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A Reliance Capital

AgendaAgenda

Consumer SpeakConsumer Speak

Introducing Reliance Super Invest Assure




7/24A Reliance CapitalStrictly For Internal Communication only A Reliance Capital

Reliance Life Insurance PresentsReliance Life Insurance Presents

An OpportunityAn Opportunity

For each one of usFor each one of us

To get what we wantTo get what we want

The Road to prosperity starts here !The Road to prosperity starts here !


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Guaranteed Additions.makes you Earn More !!!!Guaranteed Additions.makes you Earn More !!!!

50% of First Years basic premium added to the Fund Value on 10th policy

anniversary

And..

Every 5th policy anniversary thereafter as long as the policy is in force

Earn up to

250 %250 %of First Year Basic Premium as

Guaranteed Additions

during the policy term
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Build Your Own Portfolio Choice of 8 FundsBuild Your Own Portfolio Choice of 8 Funds Flexibility to choose from the wide Fund Options like :

- Equity FundEquity Fund

- Corporate Bond FundCorporate Bond Fund

- Money Market FundMoney Market Fund

- Gilt FundGilt Fund

- Infrastructure FundInfrastructure Fund

- Energy FundEnergy Fund

- Mid Cap FundMid Cap Fund

- Pure Equity FundPure Equity Fund

New

New

New

Equity Fund

Corporate Bond

Energy Fund

Money Market Fund

Gilt Fund

Infrastructure Fund

MicrosoftPowerPoint Presentation

Choose your own MIX !!!!!

New

MidCap Fund



Systematic Transfer Plan Minimize risk due to market volatility- A procedural shift from a low risk investment in to equities- The initial amount is invested in the Gilt fund- 25% of units transferred to equity fund every week for equivalent fund value- In effect Cost per unit is averaged out.

Top-Up your investment- Top-ups allowed only if all the due regular premiums till date are paid

- Maximum top-up allowed is 25% of the total regular premiums paid till date

- Minimum Top up can be Rs 2500/-

52 free switches in a year

- Alter your fund mix as per your requirements

Settlement Option

- Maturity proceeds can be withdrawn in periodic installments within

the last 5 years of the policy

Premium Redirection- Alter fund allocation of future premiums

- Redirection will not affect premiums allocated prior to the

request

- Available free of cost

Unmatched Flexibility To Manage Your FundsUnmatched Flexibility To Manage Your Funds



Total ProtectionTotal Protection

Life Cover Upto 20 times the Annual Premium depending on age

Option to choose any of the 4 following Riders

- Reliance Critical Conditions (25) Rider

- Reliance Major Surgical Benefit Rider

- Reliance Term Life Insurance Benefit Rider.

- Reliance Accidental Death and Total & Permanent Disablement Rider

Critical ConditionsRider

Major SurgicalBenefit

Accidental BenefitRider

TLR

Any or all of the 4 riders can be chosen subject to the sum of rider

premiums not exceeding 30% of the premiums paid under Basic Plan.



Liquidity.whenever you want it the mostLiquidity.whenever you want it the most

It is possible to make a full or a partial surrender of the plan before the maturity date.

Surrender Value is acquired immediately on payment of the First premium. However, it

is payable only after completion of three policy anniversaries

Partial Withdrawals

- Are allowed anytime after 3 policy years or attainment of age 18 whichever is

later.- Policy continues to remain in force

- Withdrawal charges are equal to surrender charges

Total Withdrawals i.e. Surrender

- Allowed anytime after 3 years

- Policy ceases after surrender
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Tax BenefitsTax Benefits

As per Income Tax Act, 1961premiums are eligible for tax deduction asunder,

- Premiums paid in respect of basic policy u/s 80 C of the Act.

- Premium paid under Reliance Term Life Rider u/s 80C of the Act

- Premium paid under the Reliance Accident Benefit Rider u/s 80 C of the Act

- Premium paid under Reliance Major Surgical Benefit Rider and Reliance Critical

Conditions (25) Riders u/s 80D of the Act.

The benefits under this plan and riders are tax exempt u/s 10 (10D) of theAct.

Partial or Total Withdrawal under the plan is exempt u/s 10 10(D) of the

Act.
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AgendaAgenda



Plan Details




Customer Allocation

Allocation as % of Premium

1st Year Allocation in Customer Fund 20%

2nd & Subsequent Year Allocation 95%

Guaranteed Additions

- 10th Year 50%

- 15th Year 50%

- 20th Year 50%

- 25th Year 50%

- 30th Year 50%



Fund Management Charge

Fund Name Annual Rate

Equity Fund 1.50%

Corporate Debt Fund 1.25%

Money Market Fund 1.25%

Gilt Fund 1.25%

Infrastructure Fund 1.50%

Energy Fund 1.50%

Midcap Fund 1.50%

Pure Equity Fund 1.50%

Fund C Pure Debt fund 1.30%

Service Tax charge or any other charges, as may be levied by Governmental

authorities, on Fund Management Services or any other services, as may be

applicable, shall be recovered from the policyholder.



Choosing the Sum AssuredChoosing the Sum Assured

Minimum Sum AssuredMinimum Sum Assured

- 5 times of the Annualized Premium

Maximum Sum AssuredMaximum Sum Assured

-As per the Table

Age at entry (last birthday) Maximum Sum Assured

0 to 40 20 times of Annualized Premium






Product LimitsProduct Limits

Basic Plan Minimum Maximum

Age at Entry 30 days 60 years

Age at Maturity 15 years 75 years

Policy Term 15 years 30 years



Premium Modes & LimitsPremium Modes & Limits

Mode Minimum Maximum

Yearly Rs. 5,000/- No Limit

Half Yearly Rs. 2,500/-

Quarterly Rs. 1,250/-

Monthly Rs. 500/-

Top Up Rs. 2,500/- No Limit(Subject to Max 25% of Total

Premium Paid)



Non Medical Limits

Age Limit with standard Limit with non

(years) age proofs standard age proofs

0-18 1,000,000 1,000,000

18-35 1,500,000 1,000,000

36-45 1,000,000 600,000

46-50 500,000 200,000

51 & above 100,000 100,000



AgendaAgenda




Plan Summary


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A Reliance CapitalStrictly For Internal Communication only A Reliance Capital

Benefit Summary

Regular Premium Unit Linked Insurance Plan

Guaranteed Additions up to 250% of annual premium in addition to earnings

growth (10 th year 50% - 15th year 50%, 20 th year 50%, 25th year 50% and 30th year 50%)

Wide array of 8 fund options including 3 Sectoral Funds and a Pure Equity Fund

Liquidity through partial withdrawals

Life Cover upto 20 times Annual Premium Depending on Age

Unparalleled investment flexibility through Free Switches, Top-ups, Systematic

Transfer, Premium Redirection and Exchange

Additional Protection with Riders (Reliance Term Life, Reliance Accidental Death & Total & PermanentDisablement, Reliance Critical Conditions (25) & Reliance Major Surgical Riders)


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Happy Selling

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reliance super invest assure plan-v1

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