3.5% p.a. minimum interest crediting rate on your investment
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- Phyllis Townsend
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1 Policy issuance without medical tests 3.5% p.a. minimum interest crediting rate on your investment Get 10% of annual premium added back as loyalty additions in last 5 years
2 ABOUT MAX NEW YORK LIFE Max New York Life Insurance Company Ltd. is a joint venture between New York Life, LLC a Fortune 100 company, and Max India Limited one of India's leading multi-business corporations. Insurance solutions from Max New York Life bring proven expertise to the Indian life insurance arena. Our Agent Advisors have been professionally trained to understand and evaluate your unique financial requirements, and recommend a policy which best meets your needs. With experienced agents, supported by a team of specialists, we are fully resourced to help you achieve your life's financial objectives. WHY MAX NEW YORK LIFE SECURE DREAMS Life is full of uncertainties. Nothing is guaranteed. How can you overcome these uncertainties and be in better control of your life and your surroundings? Max New York Life presents a unique plan to take care of all your uncertainties that has not just one guarantee but is loaded with a bouquet of powerful guaranteed benefits! Presenting Max New York Life Secure Dreams, a unique plan that guarantees your family's future, your future income and a whole lot more! What more could you want from a plan? MAX NEW YORK LIFE SECURE DREAMS ZYAADA GUARANTEE PLAN! Guaranteed Returns - Interest rate of at least 3.5% per annum ensuring increase in your account value irrespective of market volatilities Guaranteed Policy Continuance - Your policy will continue and take care of your family's needs even if you are not there, with inbuilt future premium funding benefit Guaranteed Policy Issuance - No medical check up required and hassle free policy issuance process Guaranteed Benefits (Loyalty Additions) - 10% of your annual premium is credited to your account at each policy anniversary in the last 5 years of your policy term EASY STEPS FOR A SECURE FUTURE Step1: Choose your premium Choose the premium amount you are comfortable with, starting from Rs.15,000 per annum up to Rs. 2,00,000 per annum Step 2: Choose your policy term Decide the policy tenure depending on the financial goal in mind, anywhere between 11 years to 20 years. Secure Dreams at a glance Age at entry Policy Term Maturity Age *Annual Premium Sum Assured Premium Payment Term Riders Available Minimum: 21 years, Maximum: 55 years Pick a term 11 years to 20 years (both 11 and 20 included) Minimum: 32 years, Maximum: 66 years Minimum: Rs. 15,000 Maximum: Rs. 2,00,000 (as per age) Age at entry Maximum Annual Premium Upto 40 years Rs. 200, to 55 years Rs. 100,000 Annual Premium times 10 times (fixed) Regular Pay: Equal to the Policy Term Payment modes available: Annual, Semi-annual, Quarterly, Monthly Personal Accidental Benefit (Please refer to rider brochure for details)
3 BENEFITS IN DETAILS Guaranteed Interest Credits Max New York Life Secure Dreams offers unique guaranteed interest credits. Every month your account value will be credited with interest, which is guaranteed to be at least 3.5% per annum. The monthly compounded guaranteed interest credits will ensure that your policy account value increases with time subject to deduction of monthly charges. An interest rate will be declared in advance of every quarter. Your account shall be given a proportionate credit every monthiversary of the amount of interest so declared. Loyalty Additions Loyalty 10% of the annual premium shall be credited to your account on each of the last 5 policy anniversaries provided the policy is in force and the respective Annual premiums due has been paid within grace period. For sake of clarity, Loyalty additions shall be credited only in respect of the policy year for which due premiums have been received. However, when a lapsed policy is revived during the last 5 policy years, Loyalty additions will be credited only for the year in which the policy is revived even though overdue premiums in respect of any previous policy years were paid on revival. Death Benefit The sum assured which is equal to 10 times the annual premium. In case of death of life insured when policy is in force, all future premiums, falling due after death of the life insured until the maturity date, will be funded by the company on the policy anniversary and invested in the assets and the interest will be credited to the policyholder's account. The monthly administration charge shall be recovered from the policyholder's account until the maturity date. On the maturity date, the policyholder's account value along with the Loyalty Additions will be paid. Maturity Benefit If the life insured is living as on the maturity date, and the policy is in force, a maturity benefit equal to the policyholder's account value prevailing on the maturity date shall be paid. TAX BENEFITS This plan may entitle you to certain tax benefits on your premiums as well as on your maturity value. o U/s 80C of the Income Tax Act 1961 on your premiums o U/s 10(10D) of the Income Tax Act 1961 on your maturity proceeds of the policy Please note that if the premium paid in a financial year exceeds 20% of the Sum Assured, benefit under Section 10(10D) will not be available, and the benefit under Section 80C will not be available for the premium exceeding 20% of the Sum Assured under the current tax laws. Flexible Options with Secure Dreams Not everything in life can be accounted for or planned, so enumerated below are certain levers to ensure that your needs, plans and emergencies are met:
4 Partial Withdrawals: You can request for lump sum partial withdrawals of amounts from your Account value at any time after the third Policy anniversary subject to such partial withdrawals being for a minimum amount of Rs. 10,000/- but not exceeding the lower of i) 75% of the amount in the Policyholder's Account Value, or, ii) The amount in the Policyholder's Account Value is less 1.5 times the amount of one Annual Premium. Please note that every Top-up Premium received, except Top up Premium received during the last three Policy years, is subject to a lock-in period of three years from the date of receipt of such Top- up Premium. Top-ups can be paid anytime over and above your regular premiums with a maximum limit of 25% of cumulative annual premium paid till date. The top-ups will be allocated at 98% allocation rate Surrender is allowed at any time after the first policy anniversary by making a written request provided you have paid annual premiums for at least two policy years. The policy shall terminate on receipt of request of surrender and a surrender value (if any) prevailing on the date of surrender shall be paid. No proportionate interest credit will be made for surrenders effected during a month. Investment of your premiums We at Max New York Life understand the worth of your hard earned money and your financial objectives. The premiums paid after levying allocation charge shall be invested in the company's Controlled Fund which in turn is invested largely in fixed income bearing instruments such as government securities, AAA and AA+ corporate bonds, etc. Other charges such as mortality charge and the monthly administration charge will be deducted on every monthiversary of the policy from the policyholder's account. The interest shall also be credited to the policyholder's account on every monthiversary at a rate common for all policies of this type. These investments will ensure that you enjoy the minimum guaranteed interest credits, while we work towards maximizing your investment returns. Note, though, that given the minimum guaranteed interest credits, there will be no exposure to share market performance. How does Secure Dreams work for you? Entry Age Policy Term (Years) Premium Payment Term Annual Premium Assumed crediting rate on invested funds (per annum) Maturity Value (In Rs.) Net Yield to the customer 3.5% (Guaranteed) 6,38, % 25 Years Rs. 25,000 4% 6,72, % 8% 10,45, % 3.5% (Guaranteed) 8,86, % 35 Years Rs. 50,000 4% 9,21, % 8% 12,67, %
5 Charges at a glance: Charge Policy Administration Charge Premium Allocation Charge Explanation In the first three policy years, a monthly administration 0.125% expressed as a percentage of the sum assured will be levied and recovered on every monthiversary of the policy from the policyholder s account. From policy year four (4) onwards, the monthly administration charge shall be 0.125% of the sum assured, subject to a maximum of Rs.150 per month. As a %age of As a %age of Annual Premium Top up Premium Premium amount received is broken up into two slabs: (i) First Rs.50,000 of premium received. Premium Allocation Charge as a percentage of premium amount in the slab for the 1st Policy Year 30% 2nd Policy year onwards Nil 2% (ii) Next Rs.50,001 and above Nil Nil Mortality charge is deducted for providing risk cover to the life insured and shall be recovered from your account value on each monthiversary. Please refer to the below mortality rates for some sample ages applicable in policy year 1: Mortality Charge Age Annual Mortality Charge (in Rs.) per 1000 Sum at Risk Partial Withdrawal Charge First 6 partial withdrawals are free of charge in each policy year. Any subsequent withdrawal in the same policy year will attract a charge of Rs.1,000 per partial withdrawal. This charge may increase with approval of IRDA but will not exceed Rs.2,000 per partial withdrawal. If surrendered/deemed surrender is processed in Policy Year In 1st Policy Year Surrender charge levied as a %age of the amount of one Annual Premium Not applicable since surrenders are not allowed in year one In 2nd Policy Year 90% In 3rd Policy Year 80% Surrender Charge In 4th Policy Year 70% In 5th Policy Year 50% In 6th Policy Year 40% In 7th Policy Year 20% In 8th Policy Year 15% In 9th Policy Year 7.5% In 10th Policy Year or onwards Nil Note: All Charges are guaranteed and shall not increase during the term of the policy subject to the limits specified and subject to prior approval from IRDA. Service Tax and education cess is payable as per applicable laws.
6 TERMS, CONDITIONS AND POLICY PROVISIONS Lapse of Policy If in the first three Policy Years, an Annual Premium or modal premium due has not been paid, the Policy shall lapse on the expiry of grace period and shall be subject to revival provisions explained below. Insurance cover ceases once Policy lapses. Revival A lapsed Policy can be revived within 24 months of the lapse provided the Policyholder a) gives a written request of his intention to revive the Policy b) produces, at his cost, evidence of insurability acceptable to the Company c) pays all overdue premiums d) pays monthly administration charge for the period of lapse and a revival processing fee as per Company's rules subject to a maximum fee of Rs.3000/- which may be revised depending upon annual inflation rates with prior approval from IRDA. If the Policy is not revived within the Revival Period If the Policy is not revived within the revival period it will terminate and surrender value applying the surrender charge as at the date of lapse will be paid. Please note that refusal to revive the Policy will be considered a deemed surrender of the Policy and the same shall entitle the Company to recover the surrender charge. Continuation of Insurance Cover if Premiums Have Been Paid for at Least 3 Consecutive Years If Annual Premiums have been paid for at least three consecutive Policy Years, the insurance cover under the Policy shall continue so long as the Surrender Value does not reach an amount equal to one Annual Premium. As soon as the surrender value (this will be notionally calculated applying the surrender charge applicable) equals one annual premium, the Policy will terminate and the Company will only pay the surrender value treating this a deemed surrender of the Policy. Please note the Company shall be entitled to recover the applicable surrender charge in this scenario treating it a deemed surrender of the Policy and shall pay only the surrender value. Free Look Period You will get a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and in case you disagree with any of those terms or conditions, you will have the option to return the policy stating the reasons for your objections, upon which you shall be entitled to refund of the premium paid subject to deduction of the proportionate risk premium for the period of cover and the expenses incurred by us on medical examination and on account of stamp duty. Prohibition of Rebates Section 41 of the Insurance Act, 1938 states: No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives, or property, in India, any rebate of 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 insurer.
7 Non-Disclosure Your attention is drawn to Section 45 of the Insurance Act, 1938, which states as follows: No policy of life insurance effected 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 insured was incorrectly stated in the proposal. Exclusions If the life insured dies by suicide, whether sane or insane, within 12 months from the Effective date or Date of Revival of this policy effected in the first 3 Policy years, whichever is later, the policy shall terminate and we will pay only the account value, if any prevailing on the date immediately following the date of intimation of death to us. TERMS AND CONDITIONS We urge you to please read this brochure and benefit illustration and understand the plan details, how it works and the inherent risks involved before your decide to purchase. a) Max New York Life Secure Dreams is a regular premium paying, non-linked, non-participating life insurance policy. A non-participating policy does not entitle the Policyholder to any share in surplus (profits). b) The Policy has been written on a single life basis. c) The Life Insured should be aged between 21 years to 55 years as on the date of the Policy. d) The policyholder may choose a Policy Term anywhere between 11 years to 20 years. The Policy Term has to be expressed in whole years. e) There is no loan available under this policy. f) The policyholder is not exposed to any investment risk. DISPUTE REDRESSAL CELL All consumer grievances may be first addressed to the company's Customer Helpdesk at 90 A, Sector 18, Gurgaon , Haryana, India or the servicing General Office. In case the policyholder is not satisfied with the decision of the above office or has not received any response within 10 days, he may contact by way of a written complaint signed by the complainant or by his legal heirs with full details of the complaint and contact information of complainant, to the following official: Head Operation and Delivery, Tel No ; CCRP@maxnewyorklife.com subsequently (if required) to the Insurance Ombudsman, whose address can be obtained from the offices of the company or from the IRDA website address
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