LIFE INSURANCE CORPORATION OF INDIA CENTRAL OFFICE
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1 LIFE INSURANCE CORPORATION OF INDIA CENTRAL OFFICE Dept.: Product Development "Yogakshema", Jeevan Bima Marg, Mumbai Ref: CO/PD/58 13 th August, 2014 All HODs of Central Office All Zonal Offices All Divisional Offices All Branch Offices (through DOs) MDC, ZTCs, STCs, NIA and Audit & Inspection Depts. of Zonal Offices. Re: Re-launch of "Varishtha Pension Bima Yojana "(Plan No. 828) 1. Introduction: Hon'ble Finance Minister in his Budget speech has announced the revival of Varishtha Pension Bima Yojana for citizens aged 60 years and above. In view of the above, it has been decided to relaunch "Varishtha Pension Sima Yojana " (Plan No. 828), from 141h August, However, this plan will be available for sale to General Public from 16th August, 2014 to 14 th August, This is a Government subsidized Scheme which shall provide an assured return of 9% p.a. payable monthly (i.e. equivalent to 9.38% p.a.). The Unique Identification Number (UIN) for "Varishtha Pension Sima Yojana" is 512G291V01. This number has to be quoted in all relevant documents furnished to the Policyholders and other users (public, distribution channels, etc.). The benefits and other details of the plan are given below. 2. Benefits: The benefits payable under this plan are as under: a) Pension payable : During the lifetime of the Pensioner, a pension in the form of immediate annuity as per the mode chosen by the Pensioner shall be payable. b) Death Benefit: On death of the Pensioner, the Purchase Price shall be refunded to the nominee/legal heirs. 3. Eligibility Conditions and Restrictions: (a) Minimum Entry Age (b) Maximum Entry Age (c) Minimum Pension [60] years (last birthday) No limit Rs. 500 per month Rs. 1,500 per quarter Rs. 3,000 per half year Rs. 6,000 per year 1
2 (d) Maximum Pension Rs. 5,000 per month Rs. 15,000 per quarter Rs. 30,000 per half year Rs. 60,000 per year Ceiling of maximum pension is for a family as a whole i.e. total amount of pension under all the policies issued to a family under this plan shall not exceed the maximum pension limit. The family for this purpose will comprise of pensioner, his/her spouse and dependants. 4. Mode of Pension Payment : Mode of pension payment shall be monthly, quarterly, half-yearly or yearly. The pension payment shall be through ECS/NEFT only. The first instalment of pension shall be paid after 1 year, 6 months, 3 months, or 1 month from the date of purchase of the same depending on the mode of pension payment i.e. yearly, halfyearly, quarterly or monthly respectively. 5. Pension Rates: The pension rates are not age specific and the rate of pension for Rs.1 000/- purchase price for different modes of pension payments are as below: Yearly Rs p.a. Half-yearly: Rs p.a. Quarterly : Rs p.a. Monthly Rs p.a. The pension instalment shall be rounded off to the nearest rupee. 6. Purchase Price: The plan can be purchased by payment of a lump sum Purchase Price. The pensioner has an option to choose either the amount of pension or the Purchase Price. Further, the Purchase Price payable shall be accepted by cheques/drafts payable on the Branch of the Bank which is member of the Local Clearing House. The minimum and maximum Purchase Price under different modes of pension will be as under: Mode of Pension Minimum Purchase Price Maximum Purchase Price Yearly Rs. 63,960/- _Rs. 6,39,610/- Half-yearly Rs. 65,430/- Rs. 6,54,275/- Quarterly Rs. 66,170/- R ṡ. 6,61,690/- Monthly Rs. 66,665/- Rs. 6,66,665/- The Purchase Price to be charged shall be rounded to nearest multiple of Rs.5/-. 7. Rebates: No rebate (including CEIS rebate) is available under this plan. 8. Commission payable to intermediaries and Credit to Development Officers: Commission to Agent, Corporate agents and Brokers shall 0.1% of the Purchase Price (net of taxes). No bonus commission is payable. D.O. Credit to Development Officers shall be@ 0.3% on the Purchase Price (net of taxes). 2
3 9. Taxes: Taxes including Service Tax, if any, shall be as per the Tax laws and the rate of tax as applicable from time to time. The amount of tax payable as per the prevailing rates shall be payable by the policyholder on Purchase Price. The amount of Tax paid shall not be considered for the calculation of benefits payable under the plan. The instructions regarding issues related to taxes will be issued by Finance & Accounts Department, Central office, separately. 10. Surrender Value: The policy can be surrendered after completion of 15 years. The Surrender Value payable will be the refund of Purchase Price. However, under exceptional circumstances, if the pensioner requires money for the treatment of any critical/terminal illness of self or spouse then the policy can be surrendered before the completion of 15 years and the Surrender Value payable shall be 98% of Purchase Price. Separate instructions in this regard will be issued by Actuarial Department, Central Office. 11. Loan: Loan facility is available after completion of 3 policy years. The maximum loan that can be granted shall be 75% of the Purchase Price. The rate of interest to be charged for loan amount would be determined from time to time by the Corporation. Loan interest will be recovered from pension amount payable under the policy. The Loan interest will accrue as per the frequency of pension payment under the policy and it will be due on the due date of pension. However, the loan outstanding shall be recovered from the claim proceeds at the time of exit. 12. Underwriting: U & R Department, Central Office, will issue separate instructions in this regard. 13. Suicide Clause: Not Applicable 14. Forfeiture in certain Events: In case of fraud or misrepresentation, the policy shall be cancelled immediately by paying the Surrender Value, subject to the fraud or misrepresentation being established by the Corporation in accordance with Section 45 of the Insurance Act, Free Look Period: If a policyholder is not satisfied with the 'Terms and Conditions" of the policy, he/she may return the policy to the Corporation within 15 days from the date of receipt of the policy. The amount to be refunded within free look period shall be the Purchase Price deposited by the policyholder after deducting the charges for Stamp duty. 16. Policy stamping: The amount of stamp duty will be 20 paise per Rs of the total pension amount payable for a period of 12 years (i.e. 12 multiplied by the pension per annum). 17. Reinsurance: No reinsurance is required for policies taken under this plan. 3
4 18. Assignments/Nominations No assignment is allowed under this policy. However, if pensioner has opted for loan under the policy, then assignment in favour of Life Insurance Corporation of India will only be allowed. It should be ensured that a nomination is made in the policy at the proposal stage as per Section 39 of Insurance Act,1938. It should generally be insisted that the nominee should be spouse. children or very close relative of the Life Assured. On a subsequent change of nomination, the notice of change of nomination should be submitted for registration to the office of the Corporation, where the policy is serviced. 19. Accounting of Income and Outgo : Instructions regarding the accounting procedure to be followed under the plan shall be issued separately by Finance & Accounts Department, Central office. 20. Normal requirements for claim; On death of the pensioner: The normal documents which the claimant shall submit while lodging the claim in case of death of the Pensioner shall be claim forms, as prescribed by the Corporation, accompanied with original policy document, NEFT mandate from the claimant for direct credit of the claim amount to the bank account, proof of title, proof of death whichever is applicable, to the satisfaction of the Corporation. If the age is not admitted under the policy, the proof of age of the Pensioner shall also be submitted. For pension in payments: Instructions regarding Existence Certificate shall be issued by CRM Department, Central Office separately. On surrender before 15 years: The pensioner shall submit the discharge form along with the original policy document, proof of medical treatment of self/spouse, NEFT mandate from the claimant for direct credit of the claim amount to the bank account besides proof of age, if the age is not admitted earlier. Instructions regarding Surrender before 15 years shall be issued by Actuarial Department, Central Office separately. 21. Proposal Form and Policy Document : The specimen Proposal Form no. 470(Rev) is enclosed as Annexure I. The specimen Policy Document will be sent by Corporate Communication Department. Central Office. ;:(. ffi.. E=v4tive Director (Marketing/Pr E n cl : Annexure I 4
5 Annexure I Form No. 470 (Rev.) PHOTO LIFE INSURANCE CORPORATION OF INDIA (Established by the Life Insurance Corporation Act, 1956) Varishtha Pension Bima Yojana Plan No. 828 (UIN: 512G291V01) For Office use only Branch Office Divl. Office... Proposal No. BOC No Date: To be filled in by Agent Agent's/FSE s/dse s/sup.agent s Name Agent's/FSE s/dse s/sup.agent s Code No.. Licence No.... Date of Expiry. D.O./ C.L.I.A. Code No... (All answers to be filled in legibly. Answers must be given in words. Strokes of pen or dots or dashes will not be accepted as replies. (a) Tick wherever applicable). 1. (a) Name in full of the proposed Pensioner, i.e. the person on whose life, pension payments depend: (b) Name in full of the father of the proposed Pensioner: (c) Sex: Male/Female (d) Nationality: (e) Present Address: Address to which communications are to be sent (f) Permanent Address (if different from the above (e)) Telephone : (i) Office: Mobile no.: (ii) Residence: ID: (g) (i) Date of Birth: (ii) Age at last birthday: (iii) Place of Birth: (iv) What proof of age is being furnished with the proposal: Description of the Pension: (a) Please state either the (i) Purchase Price (in multiple of Rs.5/-) Rs OR (ii) Amount of pension instalment Rs Amount of Deposit: Cheque / DDNo.. Date:.. Drawn on:. (b) Mode of pension instalments to be paid: Yearly/ Half-Yearly/ Quarterly/ Monthly 3. (A) Personal details: (a) Are you an Income Tax Assesse: Yes/ No If yes, provide PAN: (b) Whether you have taken any other policy under this plan? Yes/ No If yes, kindly furnish (i) Policy No.: (ii) Amount of pension: (iii) Mode of pension payment:
6 (c) Details of other policies (including proposals under consideration) under this plan taken by Family (self, spouse and dependents): Mode of Sr. Proposal No./ Purchase Amount of Name Relationship Pension No. Policy No. Price Pension Payment Note: Total amount of pension under all the policies issued to a Family under this plan shall not exceed Rs. 60,000/- per annum. (d) Do you have an electronic Insurance Account (eia): Yes/ No If Yes, give details: Name of Repository: eia Number: (B) Particulars of Bank A/c.: (a) Bank Name: Branch Name: Address : (b) Account Type- (Saving Bank Account/ Current Account): (c) Account No. (as appearing on the Cheque Book): (d) i. If pension payment is to be made through Electronic Clearance system, please furnish the 9-digit code no. of the bank and branch appearing in the MICR cheques issued by the bank ii. If pension payment is to be made through NEFT, please furnish IFSC code no. of the bank and Branch Name appearing in the cheques issued by the bank (Enclose a xerox copy of the cheque leaf displaying the name of account holder or first page of the bank passbook giving information of name of the account holder, bank account no. and IFSC code no. etc.) 4. (a) Nominee of the proposed Pensioner to whom Purchase (i) Name: Price is to be refunded under the policy in case of (ii) Relationship to the Proposed Pensioner: death of the proposed Pensioner (iii) Age: (iv) Address: (b) If Nominee is minor: (i) Name of appointee: (ii) Relationship to the nominee: (iii) Age: (iv) Address: (v) Signature of appointee as token of consent:
7 5. Whether you want to receive the policy bond through the Agent/ Development Officer? Yes/ No I,, hereby authorize my Agent/ Development Officer, Shri/Smt./Kum. to collect the policy bond on my behalf Signature of the proposed Pensioner DECLARATION I,.. do hereby declare that the foregoing statements and answers are true in every particular. I do agree and declare that the foregoing statements and this declaration shall be the basis of the contract of pension between me and the Life Insurance Corporation of India and that if any untrue averment contained therein is established by the Corporation in accordance with Section 45 of Insurance Act, 1938, this contract shall be absolutely null and void and all claims to any benefit by virtue hereof shall cease immediately by paying the surrender value. I, hereby, further declare that the particulars of bank account given above are correct and complete. If the transaction is delayed or not effected at all for the reasons of incomplete or incorrect information, I would not hold the user institution responsible. I am aware that Varishtha Pension Bima Yojana, in which I am investing my funds is a pension scheme subsidized by the Government of India. Dated at. on the day of 20 Signature of Witness.. Name of Witness. Occupation Address Signature of the Proposed Pensioner 1. If the answers to the questions in this form and the signature are in a language other than the one in which the proposal form is printed, then the person who has filled in the form should declare in his/ her own handwriting above his own signature that all questions were explained to the proposed Pensioner and that his/ her answers were given after fully and properly understanding the same. The declaration should be made by the person filling in the form. Name of the Declarant. Address of the Declarant.... I hereby declare that I have fully explained the above questions to the proposed Pensioner in language and I have truthfully recorded the answers given by the Proposed Pensioner.. Signature of the Declarant 3
8 2. In case the proposed Pensioner is illiterate:- The thumb impression of the proposed Pensioner should be attested by a person of standing whose identity can easily be established, but unconnected with the Corporation and this declaration should be made by him. Name of the Declarant. Address of the Declarant I hereby declare that I have explained the contents of the proposal form to the proposed Pensioner in language and that I have read out to the Proposed Pensioner the answers to the questions dictated by the Proposed Pensioner and that the proposed Pensioner has affixed his/her thumb impression to the proposal form after fully understanding the contents thereof... Signature Section 45 of Insurance Act, 1938: No policy of life insurance 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 a statement made in the proposal for insurance 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 policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. 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 assured was incorrectly stated in the proposal. Section 41 of Insurance Act 1938 (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 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 bonafide insurance agent employed by the insurer. (2) Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees... Signature of the proposed Pensioner 4
9 Agent's Report (a) How long do you know the proposed Pensioner? (b) What is the approximate age of the proposed Pensioner in your opinion? (c) Do you recommend the acceptance of the Proposal? (d) Have you explained fully the terms and conditions of the plan to the proposed Pensioner? (f) Whether the proposed Pensioner or his/ her spouse/ dependents have taken out this policy previously? or is any simultaneous proposal under consideration? Yes / No If yes, furnish (i) Policy/ Proposal No. and Name (ii) Amount of Pension (iii) Mode of Pension (If the above space is inadequate, please submit details in a separate sheet duly signed.) I am satisfied with the identity of the party and on the basis of my independent enquiries, I hereby declare that the foregoing statements are true and correct to the best of my knowledge and belief. Further, I declare that the above proposal is secured by me and that I have fully explained the contents of the proposal form to the proposed Pensioner Mr/ Mrs/ Ms.. Dated at on the day of Signature of the Agent 5
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