1 Reliance Life Insurance Guaranteed Money Back Plan As you sow so shall you reap... Life Insurance = Protection + Money Back
2 Reliance Life Insurance Guaranteed Money Back Plan is a Non-linked, Non-participating money back plan with an inbuilt accidental death benefit and waiver of premium benefit on death of the life assured. This plan helps you plan for the financial obligations required at various upcoming events in your life.
3 Key Features Guaranteed Money Back benefits are payable every year during last five policy years. Guaranteed Loyalty Additions of upto 40% of base Sum Assured Guaranteed Maturity Addition of upto 20% of base Sum Assured On death, 100% of the base Sum Assured is paid and the nominee will also receive the money back benefits and the maturity benefits as mentioned under the contract at specified times An additional Sum Assured up to ` 50 Lacs is payable on accidental deaths. A host of optional rider benefits to enhance protection cover How does the Reliance Life Insurance Guaranteed Money Back Plan work? You pay premium every year during the premium paying term, which is dependent on the Age of the policyholder, Sum Assured, Policy term and Premium paying term chosen by the policyholder. Money Back benefits will be paid at the end of every year during the last five years of the policy term, irrespective of the survival of the life assured. On death of the life assured, Sum Assured is paid immediately irrespective of how many periodic lump sum benefits have already been paid and the nominee will also receive the money back benefits and the maturity benefits as mentioned under the contract at specified times. In the event of death due to accident, an additional amount equal to the base sum assured will be paid. On maturity, an amount equal to Accrued Guaranteed Loyalty Additions plus Guaranteed Maturity Additions is payable in addition to the Money Back Benefit. Plan at glance Age at Entry Policy Term Maturity Age Minimum [18 Years] last birthday [33 Years] last birthday Maximum [60 Years] last birthday for policy term of 15 years [55 Years] last birthday for policy term of 20 years Allowed policy term is 15 and 20 years only [75 Years] last birthday
4 Premium Paying Term Minimum Maximum 5 years. Allowed premium paying term is 5, 7, 10, 15 and 20 years. Allowed premium paying term is 5, 7, 10, 15 and 20 years. The maximum allowed premium paying term depends upon the age at entry. Age at entry (last birthday) Sum Assured ` 50,000 Maximum allowed premium paying term (years) Equal to policy term Policy term less 5 years No Limit Flexible Premium Payment Modes: You have the option to pay regular premium under yearly, half-yearly, quarterly and monthly mode. Quarterly and Monthly modes are allowed only if premiums are paid electronically. The mode of premium payment can be changed on the policy anniversary. A rebate of 5% and 2.5% of tabular premiums are allowed on yearly and half yearly mode respectively. Benefits under the Plan: What kind of basic Benefits can I avail in this policy? Life Cover Benefit: In case of unfortunate death of the life assured during the policy term provided the policy is in force as on the date of death, the benefit will be paid in one lump sum. a. In the event of death of the life assured (non accidental case) The Sum Assured under the base plan will be paid irrespective of how many periodic lump sum benefits have already been paid. b. In the event of death on account of an accident on or before age 65 An additional amount equal to base sum assured will be paid. The additional sum assured on accidental death (including sum assured under Reliance Accidental Death and Total and Permanent Disablement Rider across all policies with Reliance Life) will not exceed ` 50 lacs.
5 On death of the life assured during the policy term provided the policy is in force and all due premiums are paid as on the date of death, and the nominee will also get the Money Back benefits and the Maturity benefits as mentioned under the contract at specified times. Money Back benefit: Periodic Money Back benefits as a percentage of base sum assured / paid up sum assured will be paid as per the table below on the specified policy anniversaries called 'Money Back period' irrespective of the survival of the life assured. Policy Anniversary For policy term of 15 years For policy term of 20 years Periodic lump sum benefit as a percentage of base sum assured / Paid up sum assured % 15% 15% 15% 40% Maturity Benefit: At the end of the policy term irrespective of survival of the life assured provided the policy is not paid up, the total of following two benefits will be paid 1. Accrued Guaranteed Loyalty Additions and 2. Guaranteed Maturity Additions. The policy terminates on payment of maturity benefit. Rider Benefits: The following optional riders are available during the premium paying term only, on payment of additional premium over and above the base premium provided conditions on riders (entry age, policy term, sum assured) are satisfied. These rider benefits can be selected on commencement of the policy or on any policy anniversary during a policy term. 1. Reliance New Major Surgical Benefit Rider: Provides lump sum amount to cover surgical expenses from a list of 33 surgeries including Open Heart surgery, Kidney Transplant, Cornea transplantation, Transplant of Lungs and many more.
6 2. Reliance New Critical Conditions (25) Rider: Provides lump sum amount to take care of 25 critical conditions including Cancer, Heart Attack, Paralysis, Major Organ transplant and many more. 3. Reliance Term Life Insurance Benefit Rider: Provides additional death benefit depending on the sum assured selected under the rider. 4. Reliance Life Insurance Family Income Benefit Rider: In the event of death or total and permanent disablement of the life assured, this rider provides a monthly benefit of 1% of sum assured every month (i.e.1 per annum), to the beneficiary. The benefit is payable from the date of death till end of the rider policy term or 10 years whichever is later, before the maturity of the policy. The Sum assured under the rider cannot be higher than the sum assured under the basic plan. The sum of rider premiums should not exceed 30% of the premiums paid under Basic Plan. When the basic plan terminates, all the rider benefits (except Reliance Life Family Income Benefit Rider) attaching to the basic plan will also terminate. When the basic plan is lapsed, surrendered or forfeited, the Reliance Family Income Benefit rider attaching to the basic plan will also terminate immediately. Note: Please refer to the rider brochure on rider benefits for more details. Guaranteed Maturity Addition: Guaranteed Maturity Additions as a percentage of the Basic sum assured (shown below) will be payable on maturity provided the policy is not paid up. Guaranteed Maturity Addition depends on the policy term as given below. Policy Term Guaranteed Maturity Addition (as a percentage of Base Sum Assured) 15% 20% Guaranteed Loyalty Additions: Guaranteed Loyalty Additions of of the base sum assured/ paid up sum assured will be accrued at the end of every policy year provided the policy is not surrendered or lapsed.
7 Completed Policy Year Guaranteed Loyalty Additions (as a percentage of Base Sum Assured/Paid up Sum Assured) Accumulated Guaranteed Loyalty Additions (as a percentage of Base Sum Assured/Paid up Sum Assured) at the end of the policy year 4% 6% 8% 10% 1 14% 16% 18% 20% 2 24% 26% 28% 30% 3 34% 36% 38% 40% Sample Premium rates Refer Sample premium table below: For a Sum Assured of ` 1,00,000, yearly mode, premium and premium paying term equal to base policy term. Age / Policy Term ,317 8,354 8,559 9,260 6,099 6,154 6,425 7,240
8 Premium for basic plan: For a given Base Sum Assured, Policy term and Premium paying term chosen by the policyholder regular premium will be charged during the premium paying term. The base premium can be paid in annual, half-yearly, quarterly and monthly modes, during the premium paying term chosen by you. Quarterly and Monthly modes are allowed only if premiums are paid electronically. Premium for rider benefits: Premium for rider benefits if selected will be collected over and above the premium under Base Plan. The frequency of rider premium will be same as frequency of premium under base plan. High Sum Assured Rebate: Reliance Life Insurance Guaranteed Money Back Plan offers attractive Rebates per ` 1,000 sum assured for high sums assured: Less than ` 1,00,000 Sum assured Rebate per ` 1000 Sum Assured ` 1,00,000 and above but less than ` 2,50,000 ` 1 ` 2,50,000 and above but less than ` 5,00,000 ` 2 ` 5,00,000 and above but less than ` 10,00,000 ` 3 ` 10,00,000 and above ` 4 Grace Period for payment of premiums There is a grace period of 30 days from the due date for payment of regular premiums. In case of monthly mode, the grace period is of 15 days. What if I want to discontinue the policy? The policy will acquire a surrender value provided the premiums have been paid in full for at least first three consecutive years. The surrender value will be available after completion of three policy years. The policy will be terminated once it is surrendered. The surrender value will depend on the year of surrender, the policy term and premium paying term chosen. The Surrender value payable is the higher of Guaranteed Surrender Value and Special Surrender Value as given below Guaranteed Surrender Value: The Guaranteed Surrender Value is equal to 30 percent of the Nil
9 total amount of premiums paid, excluding the premiums for the first year, premiums paid for the rider premiums and extra premium paid, if any less Money Back benefits paid, if any. Special Surrender Value: The Special Surrender Value will be the discounted value of the benefits payable for a paid up policy (i.e Money Back benefits and Accrued Guaranteed Loyalty Additions). The company reserves the rights to change the Special Surrender Value from time to time depending on the economic environment, experience and other factors. What happens if I discontinue paying premium? If you discontinue payment of premiums, your policy will; Lapse: If the premiums for first three years are not paid in full, the policy lapses at the end of the grace period and the Insurance cover, inbuilt accidental death benefit, inbuilt waiver of premium benefit and rider benefits, if any, cease immediately. No benefits will be paid when the policy is in Lapsed status. Accrued Guaranteed Loyalty Additions, if any, will not be payable for a policy in lapsed status. No further Guaranteed Loyalty Additions will be payable. A lapsed policy can be revived within the revival period. If a lapsed policy is not revived at the end of period of revival, the policy will be terminated. Paid up: The policy will acquire a paid up status provided the first three premiums have been paid in full and three policy years have been completed. The sum assured under the base plan will be reduced as given below Paid up Sum Assured = Base sum assured * (Number of premiums paid / total number of premiums payable) The inbuilt accidental death benefit, inbuilt waiver of premium benefit and any rider benefits will cease immediately once the policy acquires Paid-up status. There will not be any changes in the Guaranteed Loyalty Additions accrued up to the date of paid-up. Once the policy becomes paid up, further Guaranteed Loyalty Additions will be accrued as a percentage of Paid up Sum Assured. Any Accrued Guaranteed Loyalty Additions will be paid either on surrender or on maturity, whichever is earlier. No Guaranteed Maturity Additions will be payable for a paid up policy. During the Money Back Period, periodic lump sum benefits as a percentage of paid up sum assured will be paid. On death of the life assured, the paid up sum assured will be paid irrespective of how many periodic lump sum benefits have already been paid.
10 A paid up policy can be revived during the revival period. On revival of the policy, the policy will be eligible for Guaranteed Maturity Additions and Guaranteed Loyalty Additions paid during the period the policy was paid up, will be recalculated on the full base sum assured. What if I want to revive a paid - up or lapsed policy? A policy in lapsed or paid up condition can be revived during the revival period by paying the arrears of premiums along with interest at prevailing rate of interest. If the base plan is revived, rider benefits can be revived by paying the arrears of premiums under the riders with interest at prevailing rate of interest. The revival of the policy and riders, if any, will be subject to satisfactory medical and financial underwriting. The current rate of interest is 9% p.a. The revival period is a period of 2 years from the due date of first unpaid regular premium or date of maturity of the base policy whichever is earlier. On revival of the policy, the policy will be eligible for future Guaranteed Loyalty Additions and Guaranteed Maturity Additions. All due Guaranteed Loyalty Additions payable will also be added to the policy. If a lapsed policy is not revived at the end of period of revival, the policy will be terminated. 15 Days Free Look Period In the event you disagree with any of the terms and conditions of the policy, you may return the policy to the Company within 15 days of its receipt for cancellation, stating your objections in which case you shall be entitled to a refund of the premium paid, subject only to a deduction of a proportionate risk premium for the period on cover and the expenses incurred by the insurer on medical examination of the life assured and stamp duty charges. Nomination and Assignment Nomination under section 39 of the Insurance Act, 1938 The life assured, where he is the Policyholder, may, at any time during the policy term, can make a nomination for the purpose of payment of Benefits in the event of his death. Where the Nominee is a minor, the Policyholder may also appoint a person to receive the money during the minority of the Nominee. Nomination may be made by an endorsement on the Policy and by communicating the same in writing to the Company. Any change of nomination, which may be effected before the termination of the Policy shall also be communicated to the Company. In registering a nomination,
11 the Company does not accept any responsibility or express any opinion as to its validity or legal effect. Assignment under section 38 of the Insurance Act, 1938 An assignment of the Policy may be made by an endorsement upon the Policy itself or by a separate instrument signed in either case by the assignee or specifically stating the fact of assignment and duly attested. Only the Policyholder may make the first assignment. Such assignment shall be effective, as against the Company, from and upon the service of a written notice to the Company and the Company recording the assignment in its books. In case of assignment under this Policy, the assignee would not be entitled to increase the Death Benefit. In registering an assignment, the Company does not accept any responsibility or express any opinion as to its validity or legal effect. General exclusion The company will not pay any additional sum assured on accidental death which results directly or indirectly from any one or more of the following. However, the basic sum assured is payable under these circumstances. i. an act or attempted act of self-injury ii. iii. participation in any criminal or illegal act, being under the influence of alcohol or drugs except under direction of a registered medical practitioner, iv. racing or practicing racing of any kind other than on foot, v. flying or attempting to fly in, or using or attempting to use, an aerial device of any description, other than as a fare paying passenger on a recognised airline or charter service, vi. participating in any riot, strike or civil commotion, active military, naval, air force, police or similar service, or vii. war, invasion, act of foreign enemies, hostilities or war like operations (whether war be declared or not), civil war, mutiny, military rising, insurrection, rebellion, military or usurped power or any act of terrorism or violence. Suicide Exclusion If the Life Assured commits suicide for any reason, while sane or insane, within 12 months from the date of commencement of this policy or the date of any revival of the policy the death benefit is limited to the accrued surrender value of the policy, if any and the Company will not be liable to pay any insured benefit.
12 Service Tax and other taxes Service tax will be levied on basic premium and rider premiums at a rate declared by the government from time to time. The current service tax rate on basic premium is 1.545% which includes education cess of 3%. The current rate of service tax on rider premiums is 10.30% p.a. which includes education cess of 3%. The service tax on basic premium and rider premiums will be collected from policyholder along with the basic premium & rider premiums respectively. Taxes levied by the Government in Future In future the Company may decide to pass on any additional taxes levied by the governmental or any statutory authority to the policyholder. Whenever the company decides to pass on the additional taxes to the policyholder, the method of collection of these taxes shall be informed to them. Tax Benefit Premium paid under the basic policy, Reliance Term Life insurance Benefit Rider and Reliance Life Insurance Family Income Benefit Rider are eligible for tax deduction u/s 80C of the Income Tax Act, 1961, subject to conditions. Premium paid under Reliance New Major Surgical Benefit rider and Reliance New Critical Conditions (25) riders are eligible for tax deduction u/s 80D of the Act, subject to conditions. The benefits under this plan and riders are tax exempt u/s 10 (10D) of the Act subject to conditions. Please note that all benefits payable under the policy are subject to tax laws and other financial enactments as they may exist from time to time. You are recommended to consult your tax advisor. About us Reliance Life Insurance offers you products that fulfill your savings and protection needs. Our aim is to emerge as a transnational Life Insurer of global scale and standard. Reliance Life Insurance Company Limited is a part of Reliance Capital, under Reliance Group. Reliance Capital is one of India's leading private sector financial services companies, and ranks among the top 3 private sector financial services and banking companies, in terms of net worth. Reliance Capital has interests in asset management and mutual funds, stock broking, life and general insurance, proprietary investments, private equity and other activities in financial services. Reliance Group also has presence in Communications, Energy, Natural Resources, Media, Entertainment, Healthcare and Infrastructure.
13 Prohibition of Rebate: 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 out or renew or continue insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium.shown on the Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. 2) Any person making default in complying with the provisions of this section shall be punishable with a fine which may extend to five hundred rupees. Section 45: Policy not to be called in question on ground of mis-statement after two years 1) No policy of life insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no policy of life insurance effected after the coming into force of this Act 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 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 policy-holder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose: 2) 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. Note: This product brochure gives only the salient features of the plan. For further details on all the conditions, exclusions related to Reliance Life Insurance Guaranteed Money Back Plan, please contact our insurance advisors.
14 Mktg/Brochure/Version 1.0/September 2011 Reliance Life Insurance Company Limited (Reg. No 121) Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai, Maharashtra , India Customer Care Number: & Website: UIN for Reliance Life Insurance Guaranteed Money Back Plan: 121N084V01, Reliance New Major Surgical Benefit Rider: 121C014V01, Reliance New Critical Conditions(25) Rider: 121C012V01, Reliance Term Life Insurance Benefit Rider: 121C009V01, Reliance Life Insurance Family Income Benefit Rider: 121C015V01 Insurance is the subject matter of the solicitation.
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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
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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.
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