3.5% p.a. minimum interest crediting rate on your investment

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "3.5% p.a. minimum interest crediting rate on your investment"

Transcription

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 ; subsequently (if required) to the Insurance Ombudsman, whose address can be obtained from the offices of the company or from the IRDA website address

8

INFORMATION TO BE PROVIDED IN SALES BROCHURE. LIC s NEW JEEVAN ANAND (UIN: 512N279V01)

INFORMATION TO BE PROVIDED IN SALES BROCHURE. LIC s NEW JEEVAN ANAND (UIN: 512N279V01) INFORMATION TO BE PROVIDED IN SALES BROCHURE LIC s NEW JEEVAN ANAND (UIN: 512N279V01) LIC's New Jeevan Anand Plan is a participating non-linked plan which offers an attractive combination of protection

More information

Max Life Premium Return Term Plan A Non linked, Non Participating Insurance Plan UIN: 104N069V01

Max Life Premium Return Term Plan A Non linked, Non Participating Insurance Plan UIN: 104N069V01 Protection and Security of our families in the long run is one of our basic needs. Faced with uncertainties every day, we want to be assured of their financial security and well being, in case of any unfortunate

More information

Max Life Whole Life Super A Traditional Participating Whole Life Insurance Plan (UIN - 104N080V01)

Max Life Whole Life Super A Traditional Participating Whole Life Insurance Plan (UIN - 104N080V01) LIFE INSURANCE COVERAGE IS AVAILABLE IN THIS PRODUCT About Max Life Max Life Insurance, one of the leading life insurers, is a joint venture between Max India Ltd. and Mitsui Sumitomo Insurance Co. Ltd.

More information

Reliance Life Insurance Money Multiplier Plan. Multiply your investment while securing your life

Reliance Life Insurance Money Multiplier Plan. Multiply your investment while securing your life Reliance Life Insurance Money Multiplier Plan Multiply your investment while securing your life Reliance Life Insurance Money Multiplier Plan You want to do everything you can to protect the people you

More information

Max Life - Life Gain Plus 20 (Participating Plan) UIN: 104N014V01

Max Life - Life Gain Plus 20 (Participating Plan) UIN: 104N014V01 Max Life Life Gain Plus 20 is a limited pay endowment plan to meet your financial goals to ensure you complete peace of mind. Plan Details Entry Age Maximum Maturity Age Premium Payment Term Regular Premium

More information

Reliance Life Insurance Guaranteed Money Back Plan

Reliance Life Insurance Guaranteed Money Back Plan Reliance Life Insurance Guaranteed Money Back Plan As you sow so shall you reap... Life Insurance = Protection + Money Back Reliance Life Insurance Guaranteed Money Back Plan is a Non-linked, Non-participating

More information

Max Life Term Plus Rider A Non Linked Rider UIN: 104B026V01

Max Life Term Plus Rider A Non Linked Rider UIN: 104B026V01 Max Life Term Plus Rider A Non Linked Rider UIN: 104B026V01 About Max Life Insurance Max Life Insurance, one of the leading life insurers, is a joint venture between Max India Ltd. and Mitsui Sumitomo

More information

I don t want to postpone any of my loved ones aspirations

I don t want to postpone any of my loved ones aspirations life insurance I don t want to postpone any of my loved ones aspirations Bharti AXA Life Secure Income Plan A limited pay plan that provides you with: 8% of Sum Assured p.a paid monthly as Guaranteed Monthly

More information

Aapki Zaroorat - Wealth Accumulation Edelweiss Tokio Life Wealth Builder [A Non-Linked Non Participating Life Insurance Plan]

Aapki Zaroorat - Wealth Accumulation Edelweiss Tokio Life Wealth Builder [A Non-Linked Non Participating Life Insurance Plan] Aapki Zaroorat - Wealth Accumulation Edelweiss Tokio Life Wealth Builder [A Non-Linked Non Participating Life Insurance Plan] Toll Free : 1800 2121212 Email : care@edelweisstokio.in @ Visit us at www.edelweisstokio.in

More information

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER With the changing social and economic environment, shifting individual and family needs, it is advisable to follow

More information

Max Life College Plan A Traditional Participating, Money Back Life Insurance Plan UIN: 104N065V01

Max Life College Plan A Traditional Participating, Money Back Life Insurance Plan UIN: 104N065V01 Max Life College Plan College education is one of the most critical juncture of your child s life; it s the first time that your child moves out from the sheltered school life into the real world. It is

More information

MAX NEW YORK LIFE INSURANCE

MAX NEW YORK LIFE INSURANCE I NEED LIQUIDITY AND LIMITED PAY OPTIONS. I WANT MY LIFE COVER TO KEEP PACE WITH INFLATION. I WANT TO RETIRE BY AGE 50. I M 40, I WANT TO INVEST FOR ONLY 10YRS. I WANT TO SAFEGUARD MY MONEY AGAINST MARKET

More information

How do I fulfill the little joys in my loved ones' lives?

How do I fulfill the little joys in my loved ones' lives? life insurance How do I fulfill the little joys in my loved ones' lives? Bharti AXA Life Monthly Income Plan+ A Plan that offers guaranteed* Monthly Income with the upside of nonguaranteed bonuses. *You

More information

How do I safeguard my loved ones while ensuring steady earnings for a lifetime?

How do I safeguard my loved ones while ensuring steady earnings for a lifetime? life insurance How do I safeguard my loved ones while ensuring steady earnings for a lifetime? Bharti AXA Life Aajeevan Anand A plan that offers a dual advantage of guaranteed regular payouts and Protection

More information

Reliance Life Insurance Money Multiplier Plan

Reliance Life Insurance Money Multiplier Plan Mktg/Brochure/Version 1.0/November 2010 Reliance Life Insurance Money Multiplier Plan multiply your investment while securing your life TM Reliance Life Insurance Company Limited (Reg. No 121) Registered

More information

Pay less, get more insurance. Smart isn t it? Cheaper, faster, simpler life insurance. Available only online.

Pay less, get more insurance. Smart isn t it? Cheaper, faster, simpler life insurance. Available only online. Pay less, get more insurance. Smart isn t it? Cheaper, faster, simpler life insurance. Available only online. Insurance is about protecting your loved ones against an untimely loss. It is about securing

More information

Max Life Platinum Protect II Non Participating Regular Pay Term Insurance Plan (UIN: 104N060V02)

Max Life Platinum Protect II Non Participating Regular Pay Term Insurance Plan (UIN: 104N060V02) LIFE INSURANCE COVERAGE IS AVAILABLE IN THIS PRODUCT. About Max Life Insurance Max Life Insurance, one of the leading life insurers, is a joint venture between Max India Ltd. and Mitsui Sumitomo Insurance

More information

Start small. Save big.

Start small. Save big. Start small. Save big. PRODUCT BROCHURE A long term savings plan with bonuses, guaranteed additions and insurance protection* *Terms and Conditions apply. Your life is full of responsibilities. As a responsible

More information

LIC s Bima Diamond (UIN: 512N307V01) (A non-linked, with-profit, limited premium payment money back life insurance plan)

LIC s Bima Diamond (UIN: 512N307V01) (A non-linked, with-profit, limited premium payment money back life insurance plan) LIC s Bima Diamond (UIN: 512N307V01) (A non-linked, with-profit, limited premium payment money back life insurance plan) LIC s Bima Diamond plan offers a combination of protection and savings. In case

More information

How can I provide for a worry free future for my loved ones?

How can I provide for a worry free future for my loved ones? life insurance How can I provide for a worry free future for my loved ones? Bharti AXA Life Family Income Secure A unique plan that provides your family with income support to meet the regular household

More information

Max Life Group Super Life Plus A Group Term Life Insurance Plan UIN: 104N073V01

Max Life Group Super Life Plus A Group Term Life Insurance Plan UIN: 104N073V01 LIFE INSURANCE COVERAGE IS AVAILABLE IN THIS PRODUCT About Max Life Max Life Insurance, one of the leading private life insurers, is a joint venture between Max India Ltd. and Mitsui Sumitomo Insurance

More information

I want my savings to be within my reach to fulfill my family s desires.

I want my savings to be within my reach to fulfill my family s desires. life insurance I want my savings to be within my reach to fulfill my family s desires. Child s Marriage Holiday Retirement Child s Education Bharti AXA Life Flexi Save A Plan that offers you the choice

More information

Is there a plan that secures me for life and provides guaranteed payouts?

Is there a plan that secures me for life and provides guaranteed payouts? life insurance Is there a plan that secures me for life and provides guaranteed payouts? Up to yrs Life Cover Bharti AXA Life Aajeevan Sampatti+ A plan that offers dual advantage of guaranteed* annual

More information

Always more than you can ask for!

Always more than you can ask for! Reliance Life Insurance Super Endowment Plan Always more than you can ask for! Just pay for half the term and enjoy benefits for full policy term plus get high return on your investments Reliance Life

More information

How can I guarantee a secure future for my family and also build my savings?

How can I guarantee a secure future for my family and also build my savings? life insurance How can I guarantee a secure future for my family and also build my savings? Bharti AXA Life Protect PLUS A plan that offers a double benefit, life insurance cover and return of upto 5.25

More information

Safeguard your family's future against life's uncertainties

Safeguard your family's future against life's uncertainties Safeguard your family's future against life's uncertainties Birla Sun Life Insurance Easy Protect Plan A traditional term insurance plan INTRODUCING BSLI Easy Protect Plan You are successful in your career

More information

SHRIRAM PENSION PLAN (UIN 128L022V01)

SHRIRAM PENSION PLAN (UIN 128L022V01) SHRIRAM PENSION PLAN (UIN 128L022V01) Retirement need not necessarily mean a life full of compromises. With Shriram Pension Plan you continue to enjoy the lifestyle you are used to and lead a no compromise,

More information

Max Life Premium Return Protection Plan Non Participating Limited Pay Plan (UIN: 104N083V01)

Max Life Premium Return Protection Plan Non Participating Limited Pay Plan (UIN: 104N083V01) Max Life Premium Return Protection Plan Non Participating Limited Pay Plan (UIN: 104N083V01) LIFE INSURANCE COVERAGE IS AVAILABLE IN THIS PRODUCT About Max Life Max Life Insurance, one of the leading life

More information

my family's future is secured i am covered until 75

my family's future is secured i am covered until 75 life insurance my family's future is secured i am covered until 75 Bharti AXA Life Elite Secure Bharti AXA Life Elite Secure Insurance planning can help protect your personal assets & business interests,

More information

Get regular moneyback and enjoy more from your savings

Get regular moneyback and enjoy more from your savings Get regular moneyback and enjoy more from your savings Birla Sun Life Insurance Bachat (Moneyback) Plan Protects your family s future through regular savings You have aspirations and dreams for your family

More information

How do I provide a lifetime of happiness and protection to my loved ones at the click of a button?

How do I provide a lifetime of happiness and protection to my loved ones at the click of a button? life insurance How do I provide a lifetime of happiness and protection to my loved ones at the click of a button? Bharti AXA Life eaajeevan Sampatti+ A plan that offers a dual advantage of guaranteed*

More information

Max Life Whole Life Participating Plan UIN: 104N004V01

Max Life Whole Life Participating Plan UIN: 104N004V01 About Max Life Whole Life Participating Insurance Plan. Life is a long journey and a companion who is with you at each milestone of the way, is welcome. So as you walk down the path of life, let Max Life

More information

Max Life Guaranteed Income Plan A Non-Participating Non-Linked Savings Insurance Plan UIN: 104N085V01

Max Life Guaranteed Income Plan A Non-Participating Non-Linked Savings Insurance Plan UIN: 104N085V01 About Max Life Max Life Guaranteed Income Plan A Non-Participating Non-Linked Savings Insurance Plan UIN: 104N085V01 Max Life Insurance, one of the leading non-bank promoted private life insurers, is a

More information

The pension plan. that expands. as your earnings do.

The pension plan. that expands. as your earnings do. FUTURE PENSION PLAN T O T A L I N S U R A N C E S O L U T I O N S The pension plan that expands as your earnings do. Call us at: 1800-220-233 (MTNL / BSNL) or 1860-500-3333 (any other service provider).

More information

Why settle for one benefit, when you can get lump sum at maturity and regular payouts too?

Why settle for one benefit, when you can get lump sum at maturity and regular payouts too? Life Insurance Why settle for one benefit, when you can get lump sum at maturity and regular payouts too? Bharti AXA Life Elite Advantage. A plan that offers Guaranteed Payouts# of 8.5% to 9.5% from the

More information

Save, Secure and Prosper. IndiaFirst Simple Benefit Plan (Non Linked Individual Participating Endowment Plan)

Save, Secure and Prosper. IndiaFirst Simple Benefit Plan (Non Linked Individual Participating Endowment Plan) Save, Secure and Prosper IndiaFirst Simple Benefit Plan (Non Linked Individual Participating Endowment Plan) Before You Start Reading Important Note IndiaFirst Simple Benefit Plan is referred to as the

More information

Max Life Life Perfect Partner Super Traditional Participating Money Back Life Insurance Plan UIN: 104N077V01

Max Life Life Perfect Partner Super Traditional Participating Money Back Life Insurance Plan UIN: 104N077V01 Max Life Life Perfect Partner Super Traditional Participating Money Back Life Insurance Plan UIN: 104N077V01 LIFE INSURANCE COVERAGE IS AVAILABLE IN THIS PRODUCT About Max Life Max Life Insurance, one

More information

ICICI Pru. Non-linked Life Insurance Plan

ICICI Pru. Non-linked Life Insurance Plan ICICI Pru Non-linked Life Insurance Plan We realise that you have multiple roles to play as head of the family. One of your key roles is being a responsible, caring parent. You will always do everything

More information

Years of happiness, insured in minutes. Instant insurance, across the counter.

Years of happiness, insured in minutes. Instant insurance, across the counter. Future Generali Instalife Years of happiness, insured in minutes. Instant insurance, across the counter. Call us at: 1800-220-233 (MTNL / BSNL) or 1860-500-3333 (any other service provider). SMS FG to

More information

Max Life Whole Life Super A Traditional Participating Whole Life Insurance Plan (UIN - 104N080V01)

Max Life Whole Life Super A Traditional Participating Whole Life Insurance Plan (UIN - 104N080V01) Max Life Whole Life Super A Traditional Participating Whole Life Insurance Plan (UIN - 104N080V01) LIFE INSURANCE COVERAGE IS AVAILABLE IN THIS PRODUCT. About Max Life Max Life Insurance, one of the leading

More information

Why wait to live your dreams?

Why wait to live your dreams? Future Generali Secure Income Why wait to live your dreams? A money back life insurance plan that gives you the freedom to decide when you want your returns. Future Generali Secure Income is an insurance

More information

Reliance Endowment Plan. secure your dreams today...

Reliance Endowment Plan. secure your dreams today... Reliance Endowment Plan secure your dreams today... ...give wings to them tomorrow Reliance Endowment Plan It takes a lot for a dream to become a reality. And money is surely an important part of it. Reliance

More information

I planned ahead, that s why I never had to say No to my family.

I planned ahead, that s why I never had to say No to my family. Reliance s Guaranteed Money Back Plan A non-linked, non-participating, non-variable money back insurance plan Reliance s Guaranteed Money Back Plan not only helps you save for the future but also protects

More information

Max Life Super Term Plan Traditional, Non Participating, Regular Pay Term Insurance Plan UIN 104N086V01

Max Life Super Term Plan Traditional, Non Participating, Regular Pay Term Insurance Plan UIN 104N086V01 Max Life Super Term Plan Traditional, Non Participating, Regular Pay Term Insurance Plan UIN 104N086V01 About Max Life Max Life Insurance, one of the leading life insurers, is a joint venture between Max

More information

Birla Sun Life Insurance Children's Dream Plan. In this policy, the investment risk in investment portfolio is borne by the policyholder.

Birla Sun Life Insurance Children's Dream Plan. In this policy, the investment risk in investment portfolio is borne by the policyholder. In this policy, the investment risk in investment portfolio is borne by the policyholder. Your Child Your Dream When a child is born, a dream is born. And you as parents want to shape that dream and bring

More information

A ULIP PENSION PLAN THAT GIVES YOU MORE THAN JUST MONTHLY INCOME.

A ULIP PENSION PLAN THAT GIVES YOU MORE THAN JUST MONTHLY INCOME. A ULIP PENSION PLAN THAT GIVES YOU MORE THAN JUST MONTHLY INCOME. Your monthly payment Rs. 3,033 Accidental Cover Rs. 3,00,000* Your income per month Rs. 23,750 # *Personal Accident Benefit opted for.

More information

Income Tax Benefits to choose from two plan options

Income Tax Benefits to choose from two plan options www.sudlife.in Life has always been the way you wanted it to be. Even to the finest details, you know what you want. You live in today but are constantly shaping your future. Thinking ahead, you are the

More information

I don t want to postpone my loved ones aspirations

I don t want to postpone my loved ones aspirations life insurance I don t want to postpone my loved ones aspirations Bharti AXA Life Secure Income Plan A limited pay plan that provides you with: 8% of Sum Assured p.a. paid monthly as Guaranteed Monthly

More information

Max Life Life Gain Premier Traditional Participating Endowment Insurance Plan UIN: 104N079V01

Max Life Life Gain Premier Traditional Participating Endowment Insurance Plan UIN: 104N079V01 Max Life Life Gain Premier Traditional Participating Endowment Insurance Plan UIN: 104N079V01 About Max Life Max Life Insurance, one of the leading life insurers, is a joint venture between Max India Ltd.

More information

Aapki Zaroorat - Education Funding Edelweiss Tokio Life EduSave [A Non-Linked Participating Life Insurance Plan]

Aapki Zaroorat - Education Funding Edelweiss Tokio Life EduSave [A Non-Linked Participating Life Insurance Plan] Aapki Zaroorat - Education Funding Edelweiss Tokio Life EduSave [A Non-Linked Participating Life Insurance Plan] Toll Free : 1800 2121212 Email : care@edelweisstokio.in Visit us at www.edelweisstokio.in

More information

Keep achieving milestones Even after retirement

Keep achieving milestones Even after retirement Keep achieving milestones Even after retirement» Analyse your Retirement needs» Understand the product in detail» Know the tenure of Renewal Premium Payments Retirement means giving up work and continuing

More information

MET SMART PLUS. The Protection you desire. The Investment you decide. Multipurpose. Unit-linked Life Insurance Plan (Non Par)

MET SMART PLUS. The Protection you desire. The Investment you decide. Multipurpose. Unit-linked Life Insurance Plan (Non Par) Multipurpose Statutory Warning: 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

More information

Max Life Platinum Wealth Plan A Non Participating Unit Linked Insurance Plan UIN: 104L090V01

Max Life Platinum Wealth Plan A Non Participating Unit Linked Insurance Plan UIN: 104L090V01 Max Life Platinum Wealth Plan A Non Participating Unit Linked Insurance Plan UIN: 104L090V01 LIFE INSURANCE COVERAGE IS AVAILABLE IN THIS PRODUCT. IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT

More information

Reliance Life Insurance Guaranteed Money Back Plan

Reliance Life Insurance Guaranteed Money Back Plan Reliance Life Insurance Guaranteed Money Back Plan As you sow so shall you reap... Life Insurance = Protection + Money Back Reliance Life Insurance Guaranteed Money Back Plan is a Non-linked, Non-participating

More information

Guarantee a great start to fulfill your dreams

Guarantee a great start to fulfill your dreams Guarantee a great start to fulfill your dreams KOTAK PREMIER ENDOWMENT PLAN A Life Insurance Plan Kotak Premier Endowment Plan is a long-term savings and protection plan that provides financial security

More information

What would you like your money to do for you?

What would you like your money to do for you? What would you like your money to do for you? Birla Sun Life Insurance Money Back Plus Offers guaranteed amount, liquidity and an option to earn more THE POWER OF GROWTH AND LIQUIDITY WITH ASSURANCE Your

More information

life insurance a plan that gives me money at regular intervals and secures my future in the long term too Bharti AXA Life SaveConfident

life insurance a plan that gives me money at regular intervals and secures my future in the long term too Bharti AXA Life SaveConfident life insurance a plan that gives me money at regular intervals and secures my future in the long term too Bharti AXA Life SaveConfident In life, all your financial needs don t arrive at your doorstep at

More information

Reliance Term Plan. Protect yourself...

Reliance Term Plan. Protect yourself... Reliance Term Plan Protect yourself... ...protect your loved ones Reliance Term Plan Life, as we know, is full of uncertainties. And to keep ahead of them, you need to plan ahead. Reliance Term Plan is

More information

Max Life Partner Care Rider A Rider for Unit Linked Insurance Plans UIN: 104A023V01

Max Life Partner Care Rider A Rider for Unit Linked Insurance Plans UIN: 104A023V01 Life Insurance Coverage is available in this Rider. About Max Life Insurance Max Life Partner Care Rider A Rider for Unit Linked Insurance Plans UIN: 104A023V01 Max Life Insurance, the leading non-bank

More information

Birla Sun Life Insurance Group Protection Solutions Policy Contract UIN: 109N006V04

Birla Sun Life Insurance Group Protection Solutions Policy Contract UIN: 109N006V04 This is a One Year Renewal Group Term Insurance Plan and the terms and conditions of the plan are as mentioned under this contract BSLI may amend or place endorsement/s to this Policy from time to time

More information

Bajaj Allianz Wealth Insurance Plan

Bajaj Allianz Wealth Insurance Plan Bajaj Allianz Wealth Insurance Plan A Unit Linked Insurance Plan IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER Bajaj Allianz Wealth Insurance Plan The plan that

More information

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. SHRIRAM LIFE INSURANCE COMPANY LTD Shriram Life Insurance Company Ltd is a joint venture of the Shriram Group with

More information

Get multiple benefits from a one-time investment

Get multiple benefits from a one-time investment Get multiple benefits from a one-time investment Birla Sun Life Insurance Rainbow A single premium life insurance plan with assured returns BSLI Rainbow is a traditional non-participating savings plan.

More information

How do I secure my loved ones and get guaranteed additions on my savings?

How do I secure my loved ones and get guaranteed additions on my savings? life insurance How do I secure my loved ones and get guaranteed additions on my savings? Bharti AXA Life Secure Savings Plan A plan that provides the twin benefit of guaranteed* additions and comprehensive

More information

Max Life Flexi Fortune (A Unit Linked Life Insurance Plan) UIN: 104L064V01

Max Life Flexi Fortune (A Unit Linked Life Insurance Plan) UIN: 104L064V01 IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER The Linked Insurance Products Do Not Offer any Liquidity during the first five years of the Contract. The policyholder

More information

Safeguard your family's future against life's uncertainties

Safeguard your family's future against life's uncertainties Safeguard your family's future against life's uncertainties Birla Sun Life Insurance Easy Protect Plan A traditional term insurance plan INTRODUCING BSLI Easy Protect Plan You are successful in your career

More information

Birla Sun Life Insurance. A traditional with profits whole life insurance plan

Birla Sun Life Insurance. A traditional with profits whole life insurance plan Birla Sun Life Insurance A traditional with profits whole life insurance plan As a responsible individual, you try and plan for all the important life stages and all the important milestones in your life;

More information

How does the plan work

How does the plan work Max Life Immediate Annuity Plan from Max Life Insurance Co. Ltd. is a pension plan to meet your post retirement financial needs, ensuring you a complete peace of mind. How does the plan work You will give

More information

Child Solutions Tata AIA Life Insurance Good Kid A Non-Linked, Participating Child Plan

Child Solutions Tata AIA Life Insurance Good Kid A Non-Linked, Participating Child Plan Child Solutions Tata AIA Life Insurance Good Kid A Non-Linked, Participating Child Plan Tata AIA Life Insurance Good Kid A Non-Linked, Participating, Anticipated Endowment Plan with inbuilt Waiver of Premium

More information

Secure your hard earned assets. This is a non-linked non-participating protection oriented insurance plan

Secure your hard earned assets. This is a non-linked non-participating protection oriented insurance plan Secure your hard earned assets This is a nonlinked nonparticipating protection oriented insurance plan ICICI Pru Loan Protect a NonParticipating NonLinked Term Insurance Plan ICICI Pru Loan Protect is

More information

Live the dreams you always desired. Insure Smart Plan. xlife Cover for 10 years xloyalty Additions

Live the dreams you always desired. Insure Smart Plan. xlife Cover for 10 years xloyalty Additions Live the dreams you always desired Make the right choice with Canara HSBC Oriental Bank of Commerce Life Insurance Insure Smart Plan xpay Premium for 5 years xlife Cover for 10 years xloyalty Additions

More information

Birla Sun Life Insurance. Vision LifeIncome Plan A traditional participating whole life insurance plan

Birla Sun Life Insurance. Vision LifeIncome Plan A traditional participating whole life insurance plan Birla Sun Life Insurance Vision LifeIncome Plan A traditional participating whole life insurance plan As a responsible individual, you try and plan for all the important life stages and milestones in your

More information

With Small Investment... Get Protection Along With Happiness Invest in SBI Life CSC Saral Sanchay to gain benefits of both Life Insurance and Saving.

With Small Investment... Get Protection Along With Happiness Invest in SBI Life CSC Saral Sanchay to gain benefits of both Life Insurance and Saving. D GUARANTEE RATE # ly Conditions App ER ES T MI NIM UM INT #Refer to page 2 for details With Small Investment... Get Protection Along With Happiness Invest in SBI Life CSC Saral Sanchay to gain benefits

More information

isecure Loan A Non-Participating Mortgage Cover Term Assurance Plan

isecure Loan A Non-Participating Mortgage Cover Term Assurance Plan Bajaj Allianz isecure Loan A Non-Participating Mortgage Cover Term Assurance Plan Now financial burden will stay away from your family In an increasingly uncertain world, one needs to ensure that one s

More information

Super Saver. Bajaj Allianz Super Saver. A Savings Insurance Plan. Bajaj Allianz

Super Saver. Bajaj Allianz Super Saver. A Savings Insurance Plan. Bajaj Allianz Bajaj Allianz Super Saver A Savings Insurance Plan Bajaj Allianz Super Saver Regular saving for a safer tomorrow Regular saving is the best tool to protect ones family. We at Bajaj Allianz Life Insurance

More information

Plan for your golden years with confidence

Plan for your golden years with confidence Plan for your golden years with confidence Birla Sun Life Insurance Dream Life Plan Freedom to plan for your Golden Years with confidence In this policy, investment risk in investment portfolio is borne

More information

Aapki Zaroorat - Wealth Enhancement Edelweiss Tokio Life Single Pay Endowment Assurance Plan

Aapki Zaroorat - Wealth Enhancement Edelweiss Tokio Life Single Pay Endowment Assurance Plan Aapki Zaroorat - Wealth Enhancement Edelweiss Tokio Life Single Pay Endowment Assurance Plan Toll Free : 1800 2121212 Email : care@edelweisstokio.in @ Visit us at www.edelweisstokio.in Edelweiss Tokio

More information

Get life insurance with guaranteed returns on your investment.*

Get life insurance with guaranteed returns on your investment.* P RODUCT B ROCHURE Protection. Protection with guaranteed returns. Get life insurance with guaranteed returns on your investment.* Invest ` 1 lakh and get ` 1.801 lakhs after 10, plus life cover. (For

More information

Why choose? Get it all.

Why choose? Get it all. Future Generali Wealth Protect Why choose? Get it all. This is a Unit Linked Insurance Plan. Future Generali Wealth Protect is an insurance product with life insurance coverage. UNDER THIS POLICY, THE

More information

Bajaj Allianz Save Assure

Bajaj Allianz Save Assure Bajaj Allianz Save Assure A Traditional Endowment Insurance Plan Bajaj Allianz Save Assure Bajaj Allianz Save Assure A Traditional Endowment Insurance Plan We always feel good to get more than what we

More information

Tata AIA Life Insurance MahaLife Supreme

Tata AIA Life Insurance MahaLife Supreme Tata AIA Life Insurance MahaLife Supreme Tata AIA Life Insurance MahaLife Supreme Endowment Assurance Plan Time never stands still and neither do our financial needs. As we move through various stages

More information

ING Secured Income Insurance Plus. General: The Plan: Plan Benefits: 1. Death Benefit: 2. Maturity Benefit: 3. Bonus:

ING Secured Income Insurance Plus. General: The Plan: Plan Benefits: 1. Death Benefit: 2. Maturity Benefit: 3. Bonus: General: This illustration has been prepared by ING Vysya Life Insurance Company Limited. It does not purport to be a contract of insurance and does not in any way create any rights or obligations. The

More information

Comprehensive protection for your home loan.

Comprehensive protection for your home loan. Comprehensive protection for your home loan. Life Insurance Cover for your home loan liability Full cover for your loan when liability increases due to hike in interest rates Cover for the entire sanctioned

More information

Reliance Super Five Plus

Reliance Super Five Plus Reliance Super Five Plus bonus for 10 years pay for only 5 years money back after 5 years Reliance Super Five Plus Reliance Super Five Plus is the key to all your financial needs. You get a desired lump

More information

Can my investments provide an opportunity to create value along with added protection?

Can my investments provide an opportunity to create value along with added protection? life insurance Can my investments provide an opportunity to create value along with added protection? Bharti AXA Life Future Invest (Linked Limited Pay Life Insurance Product) Pay premiums for upto 5 years

More information

Small amounts today, to secure big smiles tomorrow

Small amounts today, to secure big smiles tomorrow Small amounts today, to secure big smiles tomorrow Birla Sun Life Insurance Vision LifeSecure Plan A traditional participating whole life insurance plan Who knows exactly what future has in store for us?

More information

Reliance Life Insurance Smart Maturity Benefit Plan

Reliance Life Insurance Smart Maturity Benefit Plan Reliance Life Insurance Smart Maturity Benefit Plan Turn one small investment today, in to big benefit tomorrow You find yourself busy in the daily rush of activities and often pause to think whether you

More information

Enjoy a guaranteed second income

Enjoy a guaranteed second income A Life Insurance Plan Enjoy a guaranteed second income Key Advantages Enjoy Assured Annual Income for 15 years Receive additional lump sum on maturity Provides protection for 30 years Additional protection

More information

Max Life Fast Track Super A Non Participating Unit Linked Insurance Plan UIN: 104L082V01

Max Life Fast Track Super A Non Participating Unit Linked Insurance Plan UIN: 104L082V01 Max Life Fast Track Super A Non Participating Unit Linked Insurance Plan UIN: 104L082V01 IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER Please Note: Unit Linked

More information

What is ICICI Pru CashBak?

What is ICICI Pru CashBak? In your life, you always look forward to certain milestones. It may be the birth of a child in your family, the education of your children or purchasing a new home. These milestones have financial liabilities

More information

Max Life Life Pay Money Back Participating Plan UIN: 104N022V01

Max Life Life Pay Money Back Participating Plan UIN: 104N022V01 Money back plan helps you in planning for future expenses by making lump-sum funds available at specific intervals. Additionally, in case of any unfortunate event, is plan also helps you protect your family

More information

most important SBI LIFE - CAPASSURE GOLD UIN: 111N091V01

most important SBI LIFE - CAPASSURE GOLD UIN: 111N091V01 Secure your most important asset : your employees SBI LIFE - CAPASSURE GOLD UIN: 111N091V01 SBI Life Insurance Company Limited (SBI Life) offers SBI Life CapAssure Gold plan, featuring stable growth with

More information

Now I can secure my family s future with just a click.

Now I can secure my family s future with just a click. life insurance Now I can secure my family s future with just a click. New Bharti AXA Life eprotect An affordable online term insurance plan that ensures protection for your loved ones the hassle-free way.

More information

Exide Life Term Life Rider UIN-114B007V01

Exide Life Term Life Rider UIN-114B007V01 Exide Life Term Life Rider UIN-114B007V01 TERMS AND CONDITIONS 1. PREAMBLE This life insurance contract, evidenced by the Rider, is entered into by the Company with the person described in the schedule

More information

INCOME SECURED. Now, my safety net will remain for my loved ones. Now, my safety net will remain for my loved ones.

INCOME SECURED. Now, my safety net will remain for my loved ones. Now, my safety net will remain for my loved ones. Now, my safety net will remain for my loved ones. Now, my safety net will remain for my loved ones. Assured income for family for 60 months* Assured income for family for 60 months* SECURED INCOME Insurance

More information

Take care of your family s lifestyle. Even in your absence.

Take care of your family s lifestyle. Even in your absence. Future Generali Flexi Online Term Plan Take care of your family s lifestyle. Even in your absence. This is a Non-Linked, Non-Participating Pure Term Insurance Plan. FUTURE GENERALI FLEXI ONLINE TERM PLAN

More information

Stop predicting. Guarantee your future. A money back insurance plan to provide guaranteed* annual income.

Stop predicting. Guarantee your future. A money back insurance plan to provide guaranteed* annual income. Stop predicting. Guarantee your future. A money back insurance plan to provide guaranteed* annual income. *Conditions apply Invest and enjoy ese benefits: Pay premiums only for first 5 years of e policy

More information

Every situation demands a different kind of protection

Every situation demands a different kind of protection Every situation demands a different kind of protection Now you can choose the cover that suits you Multiple cover options in a single term plan Flexible premium payment options Happiness and security for

More information

Term Benefit (Rider)

Term Benefit (Rider) Kotak Term Benefit (Rider) A Life Insurance (Rider) Plan Added protection. Added Security. Added Happiness KOTAK TERM BENEFIT (RIDER) Life insurance is a way to protect your family in the event of your

More information

Plan your child's future with confidence

Plan your child's future with confidence Plan your child's future with confidence Birla Sun Life Insurance Dream Child Plan Freedom to meet your Children s Dream with confidence In this policy, investment risk in investment portfolio is borne

More information