Sarva U.P.Gramin Bank
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1 Sarva U.P.Gramin Bank ¼Sponsor-punjab national bank) Head Office: C-39/5, Jagrati Vihar, Meerut website: Head Office:- Tel.: , Fax% General Manager:- Tel.: CM Secretariat:- Tel.: Date : TO ALL BRANCHES In supersession of all previous circulars of UPGB/RLKGB/DKGB/KGB regarding the subject. LOAN & ADVANCE CIRCULAR NO 10/07 ADVANCE AGAINST LIFE INSURANCE POLICIES. Detailed guidelines and procedures in respect of Advances against Life Insurance Policies have been circulated vide various related circulars of the erstwhile above banks on the subject issued from time to time. 2. To obviate frequent reference to various Circulars, the operative instructions/guidelines on the subject have been consolidated and are available in the Annexure. 3. All concerned are advised to note the enclosed guidelines for meticulous compliance. GENERAL MANAGER INDEX: ADVANCE AGAINST LIFE INSURANCE POLICIES.
2 Annexure Guidelines for Advance Against Life Insurance Policies Advances against the security of Life Insurance Policies (including Money Back Policies) issued by Life Insurance Corporation of India and Policies (other than Money Back Policies) issued by approved Private Sector Insurance Companies, should be considered in individual cases on merits after ensuring the following: i) There are no encumbrances on the relative policy, The age of the assured stands admitted in the books of the LIC of India/ Approved Private Sector Insurance Companies; and Premia are paid up to date. 1. Nature & Extent of Facility: Need Based Maximum 90% of Surrender Value of Life Insurance Policy issued by LIC of India/Insurance Company by way of Demand Loan/OD facility to Public & Members of Staff. In case of Money Back Policies of LIC of India, the facility shall be considered against the Policies, which have completed three years. 2. Margin: 10% of the Surrender value of Life Insurance Policy 3. Rate of Interest: As circulated by HO from time to time 4. List of Approved Private Sector Insurance Companies: The Life Insurance Policies issued by following Approved Private Sector Insurance Companies should also be considered for financing there against: i) HDFC Standard Life Insurance Co. Ltd. Max New York Life Insurance Co. Ltd. ICICI Prudential Life Insurance Co. iv) Om Kotak Mahindra Life Insurance Co. Ltd. v) Birla Sun Life Insurance Co. Ltd. vi) Tata AIG Life Insurance Co. Ltd. v SBI Life Insurance Co. Ltd. v ING Vysya Life Insurance Co. Pvt. Ltd. ix) Allianz Bajaj Life Insurance Co. Ltd. x) Metlife India Insurance Co. Pvt. Ltd. xi) AMP Sanmar Assurance Co. Ltd.
3 x Dabar CGU Life Insurance Co. Pvt. Ltd. 5. Calculation of Surrender Value LIC of India/Private Sector Insurance Companies allow the Surrender Value after completion of 3 years period of policy and the Bonus is accrued only when the policy has run for complete 5 years from the date of commencement. The branches should get the surrender value calculated from the concerned office of LIC of India/Private Sector Insurance Companies and Certificate obtained in this regard be kept alongwith the Loan Documents. 6. Documentation a) Policy in the Name of Borrower Demand Loan i) Demand Pronote - PNB 728 (Stamped) Payment voucher duly receipted across revenue stamp of appropriate value. Certified true copy of the payment voucher for day book (Not to be signed by the borrower). iv) Letter of Undertaking from the policy holder to keep the policy alive (for each life policy) - PNB-338. v) Notice of Assignment as per Appendix-I (in duplicate). The policy after incorporating the absolute assignment as per Appendix-II duly signed by the policy holder and witnessed should be sent to Life Insurance Corporation/Insurance Company along with the notice of assignment (Appendix-I) for getting the assignment registered. vi) v Latest premium receipts. Undated letter of authority for surrendering the policy as per Appendix-III. This should be taken for each life policy separately which can be dated at the time of actually surrendering the policy to the Life Insurance Corporation/Insurance Company. Overdraft i) Overdraft Agreement - PNB 727 A (Stamped). Letter of Undertaking from the policy holder to keep the policy alive (for each life policy)-pnb-338. Notice of Assignment as per Appendix-I (in duplicate). The Policy after incorporating the absolute assignment as per Appendix-II duly signed by the policy holder and witnessed should be sent to Life Insurance
4 Corporation/Insurance Company along with the notice of assignment Appendix-I for getting the assignment registered. iv) Latest premium receipts. v) Undated letter of authority for surrendering the policy as per Appendix-III (This should be taken for each life policy separately which can be dated at the time of actually surrendering the policy to the Life Insurance Corporation/Insurance Company). vi) AOF and Specimen Signatures Slip. b) Policy in the Name of the Third Party Demand Loan Documents to be Executed by the Borrower: i) Demand Pronote - PNB-728 (Stamped). iv) Payment voucher duly receipted across revenue stamp of appropriate value. Certified true copy of the payment voucher for day book (Not to be signed by the borrower). Letter of Pledge for policy - PNB-491. Documents to be Executed by the Assured of the Life Policy:- i) Letter of Undertaking from the policy holder to keep the policy alive - PNB-490. Notice of Assignment as per Appendix-I (in duplicate). The policy after incorporating the absolute assignment as per Appendix-II duly signed by the policy holder and witnessed should be sent to Life Insurance Corporation/Insurance Company along with the notice of assignment (Appendix-I) for getting the assignment registered. Undated letter of authority for surrendering the policy as per Appendix-III. (This should be taken for each life policy separately, which can be dated at the time of actually surrendering the policy to the Life Insurance Corporation/Insurance Company). Overdraft: Documents to be Executed by the Borrower:- i) Overdraft Agreement - PNB 727 A (Stamped). Letter of Pledge for policy - PNB-491.
5 AOF and Specimen Signature Slip. Documents to be Executed by the Assured of the Life Policy i) Letter of Undertaking from the policy holder to keep the policy alive - PNB-490. Notice of Assignment as per Appendix-I (in duplicate). The policy after incorporating the absolute assignment as per Appendix-II duly signed by the policy holder and witnessed should be sent to Life Insurance Corporation/Insurance Company along with the notice of assignment (Appendix-I) for getting the assignment registered. Undated letter of authority for surrendering the policy as per Appendix-III. (This should be taken for each Life Policy separately which can be dated at the time of actually surrendering the policy to the Life Insurance Corporation/Insurance Company). 7. General Instructions i) Advance against Life Policies be considered after taking into account the purpose of advance and repaying capacity of the borrower. The Periodical/Terminal Survival Benefits to be received from LIC of India/Insurance Company in respect of the Policies assigned in Bank s favor shall be directly credited in the Demand Loan/OD account. Accordingly, the Demand Loan/OD limit shall be appropriately reduced according to the fresh Surrender Value after receipt of Survival Benefit from LIC of India/Insurance Company. iv) It is the practice of the Life Insurance Corporation/Insurance Company to call for the power of attorney granted in favour of the bank official requesting for assignment/re-assignment. Incumbents are advised that Power of Attorney issued by the bank in their favour, to conduct the bank business, may be got registered with the LIC of India/Insurance Company or may be forwarded to them as and when called for, for assignment/re-assignment of bank s lien on the insurance policies. On adjustment of relative loans against Life Policies, such policies be re-assigned by the bank in favour of the person from whom the assignment was taken. The reassignment may be made in the form as per Appendix-IV. v) When re-assignment of Life Policies is made after adjustment of the relative loan, the Bank's official signing such re-assignments must
6 give his name in BLOCK LETTERS within the bracket, underneath his signature. v ix) vi) The notice of reassignment along with re-assigned policy should be sent to Life Insurance Corporation/Insurance Company under Registered A.D. cover with instructions to send the policies to the respective policy holders after registration of the re-assignments, under advice to the branch concerned. Copies of forwarding letters sent to the L.I.C./Insurance Company in this regard should be endorsed to the borrower concerned. Incumbents Incharge are advised that whenever any policy is to be surrendered to the LIC of India/Insurance Company towards adjustment of their loan, it should be ensured that such request be accompanied by either a letter of concurrence from the assured assignor, or a notice issued by the bank to the borrower with regard to surrendering the policy. LIC Policies effected by a married man for the benefit of his wife and/or children under Section 6 of the Married Women's Property Act, should not be accepted as security hence no advance should be allowed against such policies. x) All life policies held as security should be recorded in the Life Policy Register (PNB- 307) and thereafter be placed together with the relative loan documents in a fireproof safe under the dual control of authorized officials. **********
7 Appendix-I NOTICE OF ASSIGNMENT (In case of advance against Life Policies) Place Date The Manager, Life Insurance Corporation of India/ Insurance Company, Branch Office, Dear Sir, Policy No. Own Life I hereby give you notice that I have assigned the above policy to Sarva UP Gramin Bank on. Please acknowledge receipt of this notice and forward the enclosed Policy/Deed of Assignment to Sarva UP Gramin Bank after registering the assignment therein in your books. Yours faithfully, Signature of witness (Signature of Assignor) Occupation Address
8 Appendix-II TEXT OF ABSOLUTE ASSIGNMENT BY THE LIFE POLICY HOLDER I the within named (here give the name and full address of the party) for valuable consideration hereby absolutely transfer and assign all my rights, title and interest in the within named policy and all moneys due thereon, including bonuses already accrued or hereafter to accrue which shall become payable thereunder and the benefit of all powers and remedies for enforcing the same to Sarva UP Gramin Bank and its assigns and declare that the receipt or receipts of the said Bank shall be a good and valid discharge for all the moneys payable under the said policy as if the receipt or receipts were signed by myself, my heirs, executors and assigns. Signature of the party Signature of witness Occupation Address
9 Appendix-III LETTER OF AUTHORITY FOR SURRENDERING THE LIFE INSURANCE POLICY Place Date The Manager, Life Insurance Corporation of India/ Insurance Company, Branch Office, Dear Sir, Reg: My Policy No. for Rs.. I hereby authorize you to accept surrender of policy No. for Rs. of your Corporation whenever made or affected by Sarva UP Gramin Bank in whose favour I have made an absolute assignment of the said policy. This authority should be considered irrevocable. Yours faithfully, (Signature of the Assured).
10 Appendix-IV TEXT OF REASSIGNMENT BY THE BANK We, Sarva UP Gramin Bank (Branch), the assignees of this policy hereby reassign unto Shri (Life assured)* his/her heirs, executors, administrators and assigns, this policy of insurance issued by the Life Insurance Corporation of India bearing No. dated for Rs. together with the sum assured thereby with all our rights, title, and interest to recover and realise the sum assured and other moneys, benefits and advantages payable thereunder. This day of 200 For Sarva UP Gramin Bank Signature of witness Manager Occupation Address Delete, if inappropriate.
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