1 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 will receive guaranteed monthly income after the completion of the premium payment term until maturity, if the policy is in force.
2 Bharti AXA Life Monthly Income Plan+ (A Limited Pay Traditional Participating Life Insurance Plan) Every month comes with a new wish. Be it a laptop for your kid s birthday, a trip abroad for your wife or a renovation for your home. You often postpone these desires in the pursuit of fulfilling immediate needs. We understand this, and bring to you a plan that guarantees you an extra source of monthly income that enables you to fulfill those long pending wishes and desires. Brighten up your day with your loved one s smile that makes life worth living. Even in an adverse situation, if something unfortunate were to happen to you, you can ensure that your family maintains their standard of living by receiving a higher monthly Income. Bharti AXA Life Monthly Income Plan+ is a limited premium payment traditional insurance plan ensuring a guaranteed monthly income that helps to fulfill your loved ones desires while protecting them in case of an unfortunate event. About us: Bharti AXA Life Insurance is a joint venture between Bharti, one of India s leading business groups with interests in telecom, agri business and retail, and AXA, one of the leading companies in financial protection and wealth management. The joint venture company has a 74% stake from Bharti and 26% stake of AXA.
3 What are my advantages with Bharti AXA Life Monthly Income Plan+? Guaranteed Monthly Income which is Tax Free # : You start receiving Guaranteed Monthly Income after the completion of the Premium Payment Term, until Maturity, provided the policy is in force. This income is tax free #. You have the flexibility to choose the Monthly Income you wish to receive, which decides your premium amount. # Subject to the prevailing provisions of section 10(10D) of the Income Tax Act, Potential Upside through Bonuses: NonGuaranteed Simple Annual Reversionary Bonuses get accrued to the policy from the end of 1 st policy year and get paid out on Maturity or on death. You may also receive nonguaranteed terminal bonus either on death or maturity. Life Insurance Benefit: In case of the unfortunate death of the Life Insured, a percentage of Monthly Income is payable to the nominee from the next policy month onwards and continues for the next 8, 10 or 15 years depending on the Policy Term option chosen at inception of the policy. This payout is made over and above the Monthly Income payouts made before the death of the Life Insured. The accrued NonGuaranteed Annual Reversionary bonuses and NonGuaranteed Terminal bonus are paid out on death as a lump sum along with the first monthly income installment. Tax benefits for premiums paid and benefits received, are as per the prevailing tax laws which are subject to changes.
4 How does this product work? Bharti AXA Life Monthly Income Plan+ is a Limited premium payment, traditional participating plan. You pay premiums for the chosen Premium Payment Term. At the end of the premium payment term, you start receiving your Guaranteed Monthly Income until Maturity. On Maturity, you receive NonGuaranteed accrued Annual Reversionary bonuses and NonGuaranteed Terminal bonus. Policy Term Premium Payment Term Monthly Income Benefit Period Policy Effective Date Stream of Monthly Income Maturity Date Annual Reversionary Bonuses + Terminal Bonus is paid out What are the benefits of Bharti AXA Life Monthly Income Plan+? Limited Pay Options: You have the flexibility to choose your policy term from 3 options. The corresponding Premium Payment Term and Monthly Income Benefit Period for each policy term are as mentioned below: Policy Term Premium Payment Term Monthly Income Benefit Period* (in months) 15 Years 7 Years 8 Years (96 months) 20 Years 10 Years 10 Years (120 months) 30 Years 15 Years 15 Years (180 months) Maturity Benefit: At Maturity, you receive NonGuaranteed Annual Reversionary Bonus plus NonGuaranteed Terminal Bonus, subject to the policy being in force. Annual Reversionary Bonuses: This policy participates in the performance of the participating insurance fund and surplus is distributed as bonuses. The actual bonus rate declared by the Company is dependent on the performance of the participating insurance fund. NonGuaranteed Bonuses are vested from end of 1 st policy year onwards and are payable at Maturity or on death, whichever is earlier, subject to the policy being in force. Apart from this,
5 NonGuaranteed Terminal Bonus is declared at Maturity or death of the Life Insured subject to the policy being in force. The Death Benefit: The Death Benefit payable will be the higher of the following, subject to the policy being in force: a) The Sum Assured on Death Plus Non Guaranteed simple reversionary bonuses and non guaranteed terminal bonus paid as a lump sum Or b) 105% of all premiums paid (excluding underwriting extra). Where the Sum Assured on Death will be the Higher of: 1. A multiple of the Sum Assured as given below: Policy Term 15 years 20 years 30 years Multiple of Sum Assured 165% for Ages <45 1 for Ages >=45 140% for all Ages 110% for all Ages Or times the base Annualised Premium Annualized Premium does not include modal factors and underwriting extra The Death Benefit after payment of bonuses will be paid on a monthly basis as mentioned in the table below. Policy Term No. of months for which Monthly Income Death Benefit will be payable Benefit Period* (in months) 15 Years 96 months (8 years) Death Benefit / Years 120 months (10 years) Death Benefit / Years 180 months (15 years) Death Benefit / 180 The nominee has an option to take the above mentioned death benefit as a lump sum. The lump sum shall be calculated as a Net Present Value of future monthly incomes at 8% p.a. This rate may be revised, subject to prior approval from IRDA.
6 What premiums do I need to pay? Premium rates applicable to you will depend on your age, gender, policy term, premium payment mode and chosen Monthly Income. Premium Discount: You will get a discount in premium rate if you choose a higher Monthly Income as described below: Policy Term Monthly Income Premium Rate Discount 20 and 30 years For Monthly Income greater Discount of 2% on premium than or equal to ` 3,000 Premium payment mode: You can choose Monthly, Quarterly, Semiannual or Annual Premium. Monthly Premium = 0.09 of Annualised Premium, Quarterly Premium = 0.27 of Annualised Premium, Semiannual Premium = 0.52 of Annualised Premium. Service Tax & cess will be levied as per prevailing rates.
7 What happens if I am unable to pay premiums? While we recommend that all your premiums be paid on the respective due dates, we also understand that sudden changes in lifestyle like increased responsibilities or unexpected increase in household expenses may affect your future ability to pay premiums. You have following flexibilities in order to ensure that your benefits under the policy continue in full or part form. Grace period: Grace period is the period given to you from your premium due date, to pay the premium without any impact on the benefits in your policy. Grace Period for all modes is 30 days. Lapsation: If policy has not acquired a Surrender Value In case you do not pay the premiums within your grace period, your policy will lapse and your insurance cover will cease to exist. You have the option to reinstate the policy within the period given for reinstatement of the policy. At the end of the reinstatement period if the policy is not reinstated then the policy will be terminated and no benefits will be payable. If policy has acquired a Surrender Value In case you do not pay the premiums within your grace period, your policy will be converted into paid up. You have the option to reinstate the policy or surrender the policy within the period given for reinstatement of the policy. At the end of the reinstatement period if the policy is not reinstated or surrendered then the policy will continue in paid up status. Reduced paid up value: If the policy has acquired a surrender value and the policyholder has not paid any further premiums due to any reason, the policy will automatically be converted to paid up. Once the policy becomes paid up the benefits will be reduced to paid up value and the Guaranteed Monthly Income will be calculated as a percentage of the paid up value and the reduced monthly income will be paid on an annual basis.
8 The paid up values will be calculated as follows: Paid up value on Survival = Number of Premiums paid X Sum Assured Premium Payment Term Paid up value on Death = Number of Premiums paid X Sum Assured on Death Premium Payment Term In case of death, the vested reversionary bonuses (as on the date the policy becomes paid up), shall become payable along with the first installment payout of the death benefit. In case of Maturity of the Policy, the vested reversionary bonuses as on the date the policy becomes paid up, shall be paid to the nominee/policyholder. In case of surrender of a paid up policy, the base Surrender Value plus the surrender value of the vested reversionary bonuses as on the date the policy become paid up, shall be payable. The Surrender Value will be calculated as follows: Base Surrender Value on Paid Up = Paid Up value on Survival * Base Surrender Value Factor + Surrender Value of Accrued Bonuses. In case of reinstatement of a paid up policy, the differential amount of guaranteed monthly income due (i.e. guaranteed monthly income calculated on the full Sum Assured less the guaranteed monthly income already paid out on the reduced Paid Up Value on Survival), if applicable, shall be paid to the policyholder as a lump sum.
9 Reinstatement: You have a flexibility to reinstate all the benefits under your policy within two years (subject to policy terms and conditions) after the due date of the premium in default. However, the Company would require: a) A written application from you for reinstatement; b) Satisfactory evidence of insurability; c) Payment of all overdue premiums with interest as specified by Company from time to time. In case of reinstatement of a paid up policy, the differential amount of guaranteed monthly income due (i.e. guaranteed monthly income calculated on the full Sum Assured less the reduced guaranteed monthly income already paid), if applicable, shall be paid to the policyholder as a lump sum. Can I surrender my policy? We would want you to pay premiums regularly and stay invested till Maturity to get maximum benefits under the policy. However, in case you are not able to pay all premiums and want to exit the policy earlier then only surrender value will be payable to you. Surrender Value: Your policy will acquire surrender value, only if one annualised premium is paid and the Surrender Value is payable immediately on receipt of a Surrender request from the Policy Holder. The guaranteed Surrender Value is defined as a percentage of all premiums paid excluding any extra premium. The minimum guaranteed surrender value will be as per the table below: Policy Year Surrender value as a % of sum of premiums paid less all extra Premium 15 years 20 years 10% 30% 30% 55% 55% 60% 65% 70% 75% 80% 90% 90% 10% 20% 30% 55% 55% 60% 60% 65% 65% 70% 70% 75% 30 years 10% 20% 30% 55% 55% 55% 55% 60% 60% Policy Year Surrender value as a % of sum of premiums paid less all extra Premium 15 years 20 years 30 years 80% 85% 90% 90% 90% 65% 65% 70% 70% 75% 75% 75% 80% 80% 85% 85% 90% 90% 90% 90%
10 The sum of all Guaranteed Monthly Income paid till the year of surrender shall be deducted from this Surrender Value. The Guaranteed Bonus Surrender Value Rates (per 1000 of Accrued Bonus) are as defined in the table below: Policy Year Bonus Surrender value factors per 1000 of the vested reversionary bonuses Policy Year Bonus Surrender value factors per 1000 of the vested reversionary bonuses years 20 years 30 years years 20 years 30 years The Company shall declare Special Surrender Values at such other rates not less than the Guaranteed Surrender Values specified above. These rates are not guaranteed and will be declared by the Company from time to time, subject to prior Approval from IRDA. The guaranteed monthly incomes paid in the year of surrender will be deducted from this Surrender Value. The Company shall also declare a nonguaranteed bonus surrender value, calculated per 1000 of the vested reversionary bonuses.
11 How does the policy help me in case of a financial crunch? Loans under policy: Financial burdens cannot be predicted and may arise any time. Thus this policy gives flexibility to take loan from the Company. This is only possible if your policy is in force and has acquired surrender value. The loans given under the policy are as per provisions under the policy. Maximum loan amount will not exceed 70% of Surrender Value. The loan outstanding including both the principal and interest will be deducted from the Guaranteed Monthly Income or any other benefits payable and the residual amount (if any) only will be paid to the Policy Holder. Do I get the flexibility to enhance my protection through additional features? Yes. To enhance your protection, you may customize your policy by opting for the following rider by paying extra premiums: Hospi Cash Rider: This rider allows payment of a fixed benefit for each day of hospitalization and also provides lump sum benefit in case of surgery. UIN:130B007V01 Please refer rider brochure for more details.
12 What are the tax benefits under this product? You can avail the tax benefits on the premiums paid (subject to a maximum of `1,00,000) and the benefits received subject to the prevailing provisions under Section 80C and Section 10 (10D) respectively of the Income Tax Act, The tax benefits are subject to change as per changes in Tax laws from time to time. Product at a Glance Parameter Minimum age at entry Maximum age at entry Maximum Maturity Age Minimum Monthly Income Minimum Sum Assured (which is: minimum monthly income *the period for which the monthly income is payable) Minimum Premium Policy Term *Through ECS only. Eligibility Criteria 3 years for 15 years policy term 0 year for 20 and 30 years policy term 65 years for 15 years policy term 60 years for 20 years policy term 50 years for 30 years policy term 80 years ` 2000 for 15 years policy term ` 1750 for 20 years policy term ` 750 for 30 years policy term ` 192,000 for 15 years policy term ` 210,000 for 20 years policy term ` 135,000 for 30 years policy term Depends on the minimum monthly income 15, 20 and 30 years Premium Payment Term 7, 10 and 15 years for 15, 20 and 30 years policy term respectively Premium Payment Modes Annual, Semi annual, Quarterly* & Monthly*
13 Benefits at a glance: Benefits Life Insurance Benefit Maturity Benefit Survival Benefit Description The Death Benefit payable will be the higher of the following: a) The Sum Assured on Death Plus Non Guaranteed simple reversionary bonuses and non guaranteed terminal bonus paid as a lump sum Or b) 105% of all premiums paid (excluding underwriting extra). Non Guaranteed Annual Reversionary Bonuses plus NonGuaranteed Terminal Bonus. After the completion of the premium payment term, the guaranteed monthly income is paid for 96 months for a 15 year policy term, for 120 months for 20 year policy term and for 180 months for 30 year policy term. Surrender Benefit Minimum guaranteed Surrender Value is 30% of all premiums paid till date, less all guaranteed monthly income paid till date and excluding any extra premium paid. Case Study: Rohit is 35 years old. His wife is a homemaker and he has a son who is 1 year old. Proposed solution: Rohit purchases Bharti AXA Life Monthly Income Plan + with a policy term of 15 years. He wishes to receive `3,000 as Guaranteed Monthly Income. His premium payment term will be 7 years.
14 Life Insured Rohit, Age 35 Years Monthly Income in case of survival ` 3,000 Monthly Income (in case of death) ` 4,950 Annualised Premium ` 35,715 (exclusive of any service tax and cess) (assuming Rohit is in good health) *Vested nonguaranteed benefits ` 80,784 assuming 8% Gross rate of return *Vested nonguaranteed benefits ` 9,504 assuming 4% Gross rate of return * The Gross rate of return shown above is the return earned on the participating fund of the Company. Needs met: 1. Rohit starts receiving Guaranteed Monthly Income of ` 3,000 by the time his son is 8 years old. With this Rohit can ensure that he fulfills the dreams and needs of his growing son. 2. In case something unfortunate happens to him, before Maturity of the policy, he secures his family as they receive Monthly Income of ` 4,950 until 8 years.
15 Terms and conditions 1. Freelook option: If policyholder disagrees with any of the terms and conditions of the Policy, policyholder has the option to return the original Policy Bond along with a letter stating reasons for the objection within 15 days of receipt of the Policy Bond ( the freelook period ). The Policy will accordingly be cancelled and the Policyholder will be refunded an amount equal to the Premium paid subject to a deduction of a proportionate risk premium for the period on cover, the expenses incurred by the insurer on medical examination (if any) and stamp duty charges. All rights under this Policy shall stand extinguished immediately on the cancellation of the Policy under the freelook option. 2. If the Life Insured under the Policy, whether medically sane or insane, commits suicide, within one year of the date of issuance of the Policy, the Policy shall be void and the Company will only be liable to pay the premiums paid till date. 3. If the Life Insured under the Policy, whether medically sane or insane, commits suicide, within one year of the date of reinstatement of the Policy, the Policy shall be void and the Company will only be liable to pay higher of 80% of premiums paid till date of death or the applicable Surrender Value. 4. This is a participating traditional Insurance policy.
16 Disclaimers: Bharti AXA Life Insurance is the name of the Company and Bharti AXA Life Monthly Income Plan+ is only the name of traditional participating insurance policy and does not in any way represent or indicate the quality of the policy, its future prospects or returns This product brochure is indicative of the terms, conditions, warranties and exceptions contained in the insurance policy bond Life Insurance Coverage is available under this policy Insurance is the subject matter of the solicitation Bharti AXA Life Insurance Company Limited, Registration No.: 130 Registered Office address: Unit 601 & 602, 6th Floor, Raheja Titanium, Off Western Express Highway, Goregaon (E), Mumbai Riders are not mandatory and are available at an additional cost. Hospi Cash Benefit Rider (UIN: 130B007V01)
17 SECTION 41 OF INSURANCE ACT, 1938 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 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 prospectus 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 subsection if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees. 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 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.
18 Your Bharti AXA Life Advisor Life insurance coverage is available in this product. For any further queries regarding the product, or any other feedback, please contact your Financial Advisor or get in touch with us on: SMS SURAKSHA to We will get in touch within 24 hours to address your query. For locating a branch near you, please visit Bharti AXA Life Insurance Company Ltd. Regd. Office address: Unit 601 & 602, 6th Floor, Raheja Titanium, Off Western Express Highway, Goregaon (E), Mumbai Reg. No. 130, Advt. No.: IISeptember Bharti AXA Life Monthly Income Plan+ UIN: 130N057V01. Insurance is the subject matter of the solicitation.
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
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
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
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
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
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
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.
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,
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
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
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
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
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
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
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
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
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
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
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
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
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
Life has many important milestones: your house, your child s education and marriage, your retirement kitty. It would be your dream to achieve them all with certainty. However, this would need careful planning
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
14 ways to celebrate your retired life. Choose from 14 Annuity Options. SBI LIFE- A TRADITIONAL IMMEDIATE ANNUITY PLAN UIN: 111N083V01 Although change is the only constant in life some things should just
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
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
Tata AIA Life Insurance Freedom Tata AIA Life Insurance Freedom (A Non Linked Participating Endowment Plan) With the rising life expectancy which is expected to stretch to late 70 s or early 80 s, it s
PAY ONLY ONCE AND GET... * T&C11 *Conditions apply You want to enjoy life without any tension or worries. But you can only do so when your tomorrow is assured. This assurance gives you the freedom to enjoy
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
ICICI Pru Savings Suraksha is a participating life insurance plan. 1 Understanding your needs All of us need a sound financial plan to achieve our goals in life: buying a house, securing our children s
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
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
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
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.
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;
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
Reliance Simple Term Plan Sow the seeds of security today... Let your family reap the benefits tomorrow... Reliance Simple Term Plan To ensure a bright and secure future, you need to plan from today. The
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
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
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
Need for Group Credit Life Insurance SBI Life Insurance Company Limited (SBI Life) offers SBI Life RiNn Raksha*, a feature-rich Group Credit Life Insurance product to pay off the outstanding loan offered
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
Secure your child s future. At every step. A savings plan to support your child s important milestones. What are the key features of the plan? Guaranteed annual payouts to fund important milestones Bonuses
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
IDBI Federal Termsurance Group Premium Return Insurance Plan Celebrate being a part of the group A life cover that protects your key relationships. THIS PRODUCT BROCHURE ONLY GIVES THE SALIENT FEATURES
SUD Life Family Income Benefit Rider - Traditional A Traditional Protection Oriented Rider Star Union Dai-ichi Life brings you Family Income Benefit Rider - Traditional, which provides financial protection
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
Aapki Zaroorat - Wealth Accumulation Edelweiss Tokio Life Wealth Builder [A Non-Linked Non Participating Life Insurance Plan] Toll Free : 1800 2121212 Email : firstname.lastname@example.org @ Visit us at www.edelweisstokio.in
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?
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
S U R A K S H A S A R A L A Term Insurance Plan Apke Parivaar Ki Sampoorna Suraksha Why should you invest in Kotak Secure Investment Plan? Key Advantages Low Cost Insurance Choice of Policy Term Convenient
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
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
Your people, your trust our accountability IndiaFirst Group Term Plan Before you start reading Important Note IndiaFirst Group Term Plan is referred to as the Plan throughout the brochure. How will this
Tata AIA Life Insurance Maha Raksha Supreme Tata AIA Life Insurance Maha Raksha Supreme We all want to ensure that our loved ones are never short in terms of financial resources to live the life of their
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
Bharti AXA Life efuture Invest - A Linked Limited Pay Life Insurance Product. This product does not offer any liquidity during the first five years of the contract. The Policyholders will not be able to
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
Tata AIA Life Insurance MahaLife Gold Tata AIA Life Insurance MahaLife Gold (A Participating Whole of Life Plan Up to Age 85) Throughout life s journey, one s goal is to create a secure future and a comfortable
Bajaj Allianz Lifelong Assure A Non-linked Whole Life Plan Bajaj Allianz Lifelong Assure Future safe till your 100 birday Bajaj Allianz Lifelong Assure - Assuring you lifelong income wi a lifelong cover!
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
Convert your milestones into with periodic money back Life Insurance Cover for 15 years. ** Guaranteed Money Back payouts (15% of Sum Assured) in the th th th 4, 8 and 12 policy year. # th Annual and final
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
Your loved ones, Our security... IndiaFirst Term Rider Plan Before you start reading Important note IndiaFirst Term Rider is referred to as the rider throughout the brochure. How will this brochure help
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
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
Your family's happiness is priceless. Happiness and security for our family are what all of us want. However, the uncertainties of life often worry us. The thought of unfortunate events befalling us may
Complete peace of mind with 4.6 times your Sum Assured guaranteed Lump sum on maturity after 25 years Birla Sun Life Insurance Income Assured Plan A traditional non-participating life insurance plan Flexibility
UNCERTAIN TIMES NEED CERTAIN SOLUTIONS! Aegon Life Guaranteed Income Advantage Insurance Plan INTRODUCTION In today s life, very few things come with guarantees. Life can be uncertain but your financial
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.
A Plan which enhances your family s financial security! Savings & Investment Plans HDFC LIFE SUPER SAVINGS PLAN A Traditional With-Profit Plan With Life Insurance Coverage Reap Benefits Of Long Term Savings
Securing my family s future is my top priority. Introduction You strive to provide comfort, happiness and security to your family. Even if something unfortunate were to happen to you, you would want your
Kotak Term Plan A Life Insurance Plan Financial protection for your loved ones. Assured. KOTAK TERM PLAN You want to see your family secure and happy at all times. However, life is unpredictable. To protect
I've ensured that my wife will never have to adjust! Have you? Features #Built2Adjust Increase life cover @ key milestones Lumpsum + Monthly claim settlement 1 *Premium amount for Regular Pay, Male, 25
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
Ensure your tomorrow is as beautiful as today. HDFC LIFE PERSONAL PENSION PLUS A Traditional Participating Pension Plan Building A Foundation For Your Financial Freedom After Retirement Please note that
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
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).
(UIN: 111N040V02) SBI Life Sampoorn Suraksha Group Life Insurance Plan (SBI Life) offers SBI Life Sampoorn Suraksha, a feature-rich Group Life Insurance product to cover employersponsored group insurance
Bajaj Allianz isecure A Non-Participating Term Assurance Plan SECURING MY FAMILY FROM ALL ODDS IS THE TOP PRIORITY Bajaj Allianz isecure You have always tried your best to fulfill all your responsibilities