Assured Retirement Solution -I Quotation No: E08302019130152521270

Advertisement Disclaimer
͞This advertisement is designed for combination of Benefits of two individual and separate products named (1) Reliance Nippon Life's Super Endowment Plan (UIN:
121N088V03) (2) Reliance Nippon Life Immediate Annuity Plan (UIN-121N012V02). The Customer has the choice of purchasing any one or more products as per his/her
need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the Insurer and presented in this advertisement. The
customer is expected to ask questions, understand and satisfy himself that the combination meets his/her specific needs better before deciding to purchase the
combination. This Benefit Illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer
the detailed sales brochure of respective individual products mentioned herein.͟

Assured Retirement Solution -I

Income for life

Presentation for LEO

LEO, a comfortable retirement life is one of the most important goals of your life and requires disciplined financial planning. Ordinary savings can get frittered away due to
unforeseen expenses. So you need a retirement solution which will help you build a retirement corpus, provide you regular income and help to leave a legacy for your
Spouse/Child.

Keeping this in mind, we have designed " Assured Retirement Solution - I " for you to get whole life regular income for yourself along with leaving a corpus for your
Spouse/child.This solution is a combination of Reliance Nippon Life's Super Endowment Plan (a non linked non-par insurance plan) and Reliance Nippon Life Immediate
Annuity Plan (a non linked non-par insurance plan).

This solution works in two phases:

Investment phase
In this phase, you will purchase Reliance Nippon Life's Super Endowment Plan .

Premiums payable

Year 1 to 10 Rs. 1,000,000 per annum*

Pay premium of Rs. 1,000,000 p.a* for 10 Assured amount payable on maturity Rs.
Years 20,055,554

Maturity benefit to be paid

after 20 Years

Income phase
In this phase, you have the option to use the maturity payout of Reliance Nippon Life's Super Endowment Plan to purchase Reliance Nippon Life Immediate Annuity Plan ͞
Life Annuity with ROP͟option with ͞Yearly͟annuity.

Benefits

Maturity benefit of Reliance Nippon Life's Super Endowment Plan Annual income from year 21 Lump sum payout to the nominee on death of the Life
to be used to purchase Reliance Nippon Life Immediate Annuity Assured (applicable for life annuity with return of purchase price on
Plan death)

Rs. 20,055,554 Rs. 1,103,055** Rs. 19,700,937**

 Whole life Income of Rs. 1,103,055 ** p.a. Nominee gets lump sum of Rs. 19,700,937**
will continue for you (applicable for life annuity with return of purchase
price on death plan option)

Lump Sum Premium of Rs. Death of the Life Assured

20,055,554

Benefits stipulated are available only if all premiums are paid as per the premium paying term and the policy is in-force till the completion of entire policy term opted for.

Your policy offers assured maturity value, this will be clearly specified in the Benefit illustration as Maturity Benefit and declared at the inception of policy.

For the purpose of illustration, we have combined the premiums payable and benefits that you may receive under each plan of this solution. These products are also
available without combination.
To know the details of this solution, please go through the ͞Terms and conditions͟mentioned in the ͞Customer Declaration͟section and the benefit illustrations of
individual products as provided to you.
Assured Retirement Solution -I

Premiums payable

Year 1 to 10 Rs. 1,000,000

Benefits

Maturity benefit at the end of year 20 through Reliance Annualised Income from year 21 through Reliance Lump sum payout to nominee on death of the Life Assured
Nippon Life's Super Endowment Plan Nippon Life Immediate Annuity Plan (applicable for plan option - life annuity with return of
purchase price on death plan option)

Rs. 20,055,554 Rs. 1,103,055** Rs. 19,700,937**

Benefit Illustration of Assured retirement Solution - 1

Name of the life insured LEO Proposal No

Age (Years) 43 Years Policy No

Prepared on 30 Aug 2019 Name of the Insurance Advisor ROSARY ARUL KAVITHA S

Sex Male Unique Identification No. 121N088V03

NRI No

Location Details

Customer Communication Address : Tamil Nadu Branch Location : Tamil Nadu

Policy Term(years) 20 Years Mode of Premium Payment Yearly

Amount of Installment premium

1,000,000 Premium Paying Term(years) 10 Years
(Exclusive of GST)(`)

Annualised Premium on Basic Plan

1,000,000 Sum Assured for Basic Plan(`) 20,055,554
(Exclusive of GST)(`)

Installment Premium(inclusive of GST) Installment Premium(inclusive of GST)

1,045,000 1,022,500
Year 1(`) Year 2 onwards(`)
Year Age Annualised GST Annualised Basic Sum Death Benefit Guaranteed Special Surrender Maturity Annualised
Premium Premium Assured Surrender Surrender Value(SV) Benefit income
(inclusive of Value (GSV) Value (SSV) through
GST) Reliance
Nippon Life
Immediate
Annuity Plan**

1 43 1,000,000 45,000 1,045,000 20,055,554 20,055,554 200,000 0 200,000 0 0

2 44 1,000,000 22,500 1,022,500 20,055,554 20,055,554 600,000 0 600,000 0 0

3 45 1,000,000 22,500 1,022,500 20,055,554 20,055,554 1,500,000 271,191 1,500,000 0 0

4 46 1,000,000 22,500 1,022,500 20,055,554 20,055,554 2,000,000 433,905 2,000,000 0 0

5 47 1,000,000 22,500 1,022,500 20,055,554 20,055,554 2,500,000 650,858 2,500,000 0 0

6 48 1,000,000 22,500 1,022,500 20,055,554 20,055,554 3,000,000 937,235 3,000,000 0 0

7 49 1,000,000 22,500 1,022,500 20,055,554 20,055,554 3,640,000 1,312,129 3,640,000 0 0

8 50 1,000,000 22,500 1,022,500 20,055,554 20,055,554 4,320,000 1,799,491 4,320,000 0 0

9 51 1,000,000 22,500 1,022,500 20,055,554 20,055,554 5,130,000 2,429,313 5,130,000 0 0

10 52 1,000,000 22,500 1,022,500 20,055,554 20,055,554 5,900,000 3,239,084 5,900,000 0 0

11 53 0 0 0 20,055,554 20,055,554 6,100,000 3,886,901 6,100,000 0 0

12 54 0 0 0 20,055,554 20,055,554 6,400,000 4,664,281 6,400,000 0 0

13 55 0 0 0 20,055,554 20,055,554 6,700,000 5,597,137 6,700,000 0 0

14 56 0 0 0 20,055,554 20,055,554 6,900,000 6,716,565 6,900,000 0 0

15 57 0 0 0 20,055,554 20,055,554 7,200,000 8,059,877 8,059,877 0 0

16 58 0 0 0 20,055,554 20,055,554 7,500,000 9,671,853 9,671,853 0 0

17 59 0 0 0 20,055,554 20,055,554 7,800,000 11,606,223 11,606,223 0 0

18 60 0 0 0 20,055,554 20,055,554 8,200,000 13,927,468 13,927,468 0 0

19 61 0 0 0 20,055,554 20,055,554 8,500,000 16,712,962 16,712,962 0 0

20 62 0 0 0 20,055,554 20,055,554 0 0 0 20,055,554 0

21 63 0 0 0 0 0 0 0 0 0 1,103,055

Reliance Nippon Life Insurance Company Limited is a fully licensed life insurance company registered with the Insurance Regulatory and Development Authority of India
(Registration No: 121) in accordance with the provisions of the Insurance Act 1938."
The above amounts assume that all premiums are paid when due. Further, the above death and surrender values are illustrated assuming that all the modal/installment
premium payable in a policy year are paid (i.e. the event occurs at the end of the policy year). If death or surrender occur and only some of the modal/ installment
premium are paid, then the death or surrender values will only consist of that premium that has been paid. Accordingly, the death or surrender values at a time other than
at the end of the policy year will be lower than those illustrated above.
Disclaimers:-
1. The customer is advised to refer the detailed sales literature of the respective individual products, segregated premium particulars of each product.
2. The premium amount shown above is calculated assuming that the life Proposed/Assured is a normal healthy person.
3. In the event the Life Proposed/Assured is suffering from any sickness/ medical problems or in the event of any past medical history, the premium will be adjusted
accordingly, as per the underwriting guidelines of Reliance Nippon Life Insurance Company Limited.
4. This premium shown above is indicative. Depending upon the factors such as health, occupation of the customer and other intrinsic factors such as non submission of
documentary evidences like age proof, the premium will be adjusted accordingly, as per the underwriting guidelines of Reliance Nippon Life Insurance Company Limited.
5. For details of the rates and the terms and conditions applicable to the particular person/policy, kindly refer to the specifications in the policy document after issuance.
6. Goods and Services Tax (GST) along with Cess (inclusive of Kerala Cess), if any, as applicable, is levied on first year and renewal premiums on base policy premium and
on rider premiums. The Goods and Services Tax (GST) rate and Cess (inclusive of Kerala Cess), if any, as applicable, will be revised as and when notified by the
Government. Taxes, duties or surcharges of whatever description levied by any statutory authority will be applicable.
7. For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
8. If Premium paying term is less than 10 years, the policy acquires Special Surrender Value after two years full premiums are paid and If Premium paying term is greater
than or equal to 10 years, the policy acquires Special Surrender Value after three years full premiums are paid.
9. The policy acquires Guaranteed Surrender Value only if first annualized premium have been paid. The surrender value will depend on the year of surrender, the policy
term and premium paying term chosen. Acquired surrender value is payable only after completion of first three policy years. The policy will be terminated once it is
surrendered.
10. Subject to the guaranteed surrender value, the company may however pay a special surrender value calculated according to the basis and method in use from time to
time. Special surrender value is a non guaranteed benefit.
11. Guaranteed Surrender Value & Special Surrender value is calculated at year end after paying survival benefits.
12. If premium paying term is less than 10 years, the policy acquires a paid up value after two years full premiums are paid. If premium paying term is equal to more than
10 years the policy acquires a paid up value after three years full premiums are paid. Please refer to sales brochure for more details.
I ROSARY ARUL KAVITHA S, have explained the information with respect to the above benefit illustration, to the prospect and he/she has understood the same.

Intermediary's Signature:

Place:
Date:

I LEO, declare that the Company has disclosed and explained all the information related to this product and riders to me and I declare that I have understood the same
before signing this Benefit Illustration.

Policyholders' Signature:

Place:
Date:

BENEFIT ILLUSTRATIONS AND THE CHARGES MENTIONED THEREIN COULD CHANGE IN THE EVENT THE COMPANY (RNLIC) LEVIES EXTRA MORTALITY CHARGE

*Premium payable shown in the table above is exclusive of Goods and Services Tax (GST).

** The annuity rates are not guaranteed. It is based on the current annuity rates and options available under ͞Reliance Nippon Life Immediate Annuity Plan (UIN-
121N012V02)͟

To know the details of each plan of this combination solution, please go through the benefit illustration of individual products as provided to you.

Assured Retirement Solution -I

Customer Declaration for LEO

Reliance Nippon Life Immediate Annuity Plan to be purchased at the maturity of Reliance Nippon Life's Super Endowment Plan , i.e. after 20 years.

I understand that
1. This combination solution comprises of set of policies across one or more products of the company. I have been made aware that these products are also available
individually with the Company and it is not mandatory for me to apply for this combination only.
2. This is not a product brochure. I have separately gone through the product brochure of Reliance Nippon Life's Super Endowment Plan (UIN:121N088V03) and Reliance
Nippon Life Immediate Annuity (UIN: 121N012V02) provided to me and have taken the decision to opt for this combination solution after having fully understood the
risk factors, products terms and conditions as briefly indicated below:
1.Reliance Nippon Life's Super Endowment Plan : Maturity Benefit, Death Benefit,Premium discontinuation, Surrender, Policy revival etc.
3. Tax benefits on premiums paid and benefits received will be applicable as per the prevailing tax laws.
4. The regular income benefit through Reliance Nippon Life Immediate Annuity Plan will be applicable subject to the following conditions:
1.It shall be my sole responsibility to approach the Company after maturity of Reliance Nippon Life's Super Endowment Plan and utilize its maturity benefit to purchase
Reliance Nippon Life Immediate Annuity Plan or any other similar product, as may be available with the Company at that point of time.
2.Annuity rates are not guaranteed and hence are subject to change from time to time. The actual annuity amount will depend on the prevailing annuity rates at the
time of purchase of Reliance Nippon Life Immediate Annuity Plan. Once the annuity is bought, the rates remain guaranteed for life.
3.I shall have the flexibility to choose any of the annuity options offered by the Company at the time of maturity of the Reliance Nippon Life's Super
Endowment Plan .
5. The benefits available under the combination solution shall be as per the respective product͛s terms and conditions.
6. The premium quoted above is only the base premium inclusive of Goods and Services Tax (GST) and Cess. The actual premium may comprise of the base premium,
extra premium, rider premium, if any and Goods and Services Tax (GST) and Cess as per applicable rates.
7. The tax laws are subject to amendments from time to time.
I LEO,hereby confirm that I have understood the combination solution features explained to me. This combination solution consists of the products detailed herein in the
above table. I understand that in order to get the benefits mentioned in the (combined benefit illustration), I shall have to purchase Reliance Nippon Life Immediate
Annuity Plan or a similar product separately, subject to availability at a future date.

Customer͛s Signature

Marketing officials' Signature:

Company Seal:
Place:
Date:
For more details on the risk factors, terms and conditions please refer to the sales brochure carefully before concluding the sale.

Reliance Nippon Life Insurance Company Limited (Reg. No 121)

Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai, Maharashtra 400710, India.

Benefit Illustration of Assured retirement Solution - 1

Name of the life insured LEO Proposal No

Age (Years) 43 Years Policy No

Prepared on 30 Aug 2019 Name of the Insurance Advisor ROSARY ARUL KAVITHA S

Sex Male Unique Identification No. 121N088V03

NRI No

Location Details

Customer Communication Address : Tamil Nadu Branch Location : Tamil Nadu

Policy Term(years) 20 Years Mode of Premium Payment Yearly

Amount of Installment premium

1,000,000 Premium Paying Term(years) 10 Years
(Exclusive of GST)(`)
Annualised Premium on Basic Plan
1,000,000 Sum Assured for Basic Plan(`) 20,055,554
(Exclusive of GST)(`)
Installment Premium(inclusive of GST) Installment Premium(inclusive of GST)
1,045,000 1,022,500
Year 1(`) Year 2 onwards(`)

Maturity Age 63

Policy Age Annualised GST Annualised Basic Sum Death Benefit Guaranteed Special Surrender Maturity
Year Premium Premium Assured Surrender Surrender Value(SV) ** Benefit
(inclusive of GST) Value (GSV)* Value (SSV)*

1 43 1,000,000 45,000 1,045,000 20,055,554 20,055,554 200,000 0 200,000 0

2 44 1,000,000 22,500 1,022,500 20,055,554 20,055,554 600,000 0 600,000 0

3 45 1,000,000 22,500 1,022,500 20,055,554 20,055,554 1,500,000 271,191 1,500,000 0

4 46 1,000,000 22,500 1,022,500 20,055,554 20,055,554 2,000,000 433,905 2,000,000 0

5 47 1,000,000 22,500 1,022,500 20,055,554 20,055,554 2,500,000 650,858 2,500,000 0

6 48 1,000,000 22,500 1,022,500 20,055,554 20,055,554 3,000,000 937,235 3,000,000 0

7 49 1,000,000 22,500 1,022,500 20,055,554 20,055,554 3,640,000 1,312,129 3,640,000 0

8 50 1,000,000 22,500 1,022,500 20,055,554 20,055,554 4,320,000 1,799,491 4,320,000 0

9 51 1,000,000 22,500 1,022,500 20,055,554 20,055,554 5,130,000 2,429,313 5,130,000 0

10 52 1,000,000 22,500 1,022,500 20,055,554 20,055,554 5,900,000 3,239,084 5,900,000 0

11 53 0 0 0 20,055,554 20,055,554 6,100,000 3,886,901 6,100,000 0

12 54 0 0 0 20,055,554 20,055,554 6,400,000 4,664,281 6,400,000 0

13 55 0 0 0 20,055,554 20,055,554 6,700,000 5,597,137 6,700,000 0

14 56 0 0 0 20,055,554 20,055,554 6,900,000 6,716,565 6,900,000 0

15 57 0 0 0 20,055,554 20,055,554 7,200,000 8,059,877 8,059,877 0

 16 58 0 0 0 20,055,554 20,055,554 7,500,000 9,671,853 9,671,853 0

17 59 0 0 0 20,055,554 20,055,554 7,800,000 11,606,223 11,606,223 0

18 60 0 0 0 20,055,554 20,055,554 8,200,000 13,927,468 13,927,468 0

19 61 0 0 0 20,055,554 20,055,554 8,500,000 16,712,962 16,712,962 0

20 62 0 0 0 20,055,554 20,055,554 0 0 0 20,055,554

Reliance Nippon Life Insurance Company Limited is a fully licensed life insurance company registered with the Insurance Regulatory and Development Authority of India
(Registration No: 121) in accordance with the provisions of the Insurance Act 1938."

Guaranteed Surrender Value & Special Surrender value is calculated at year end ** Acquired surrender value is payable only after completion of first three policy years.
Reliance Nippon Life Insurance Company Limited is a fully licensed life insurance company registered with the Insurance Regulatory and Development Authority of India
(Registration No: 121) in accordance with the provisions of the Insurance Act 1938.

The premium amount shown above is calculated assuming that the life Proposed/Assured is a normal healthy person.

In the event the Life Proposed/Assured is suffering from any sickness/ medical problems or in the event of any past medical history, the premium will be adjusted
accordingly, as per the underwriting guidelines of Reliance Nippon Life Insurance Company Limited.

The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some level of
quantification.
The above amounts assume that all premiums are paid when due. Further, the above death and surrender values are illustrated assuming that all the modal/installment
premium payable in a policy year are paid (i.e. the event occurs at the end of the policy year). If death or surrender occur and only some of the modal/ installment premium
are paid, then the death or surrender values will only consist of that premium that has been paid. Accordingly, the death or surrender values at a time other than at the end
of the policy year will be lower than those illustrated above.
Disclaimers:-
1. This premium quotation is indicative. The premium rate charged to the customers may be different depending upon the factors such as health,occupation of the
customer and other intrinsic factors such as non submission of documentary evidences like age proof.
2. Goods and Services Tax (GST) along with Cess (inclusive of Kerala Cess), if any, as applicable, is levied on first year and renewal premiums on base policy premium and
on rider premiums. The Goods and Services Tax (GST) rate and Cess (inclusive of Kerala Cess), if any, as applicable, will be revised as and when notified by the
Government. Taxes, duties or surcharges of whatever description levied by any statutory authority will be applicable.
3. Rider premium rates, (if applicable) have not been taken into account in calculating the base premium.
4. For authoritative details of the rates and the terms and conditions applicable to the particular person/policy, kindly refer to the specifications in the policy document
after issuance.
5. For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
6. Subject to the guaranteed minimum surrender value, the company may however pay a special surrender value calculated according to the basis and method in use
from time to time.
7. If Premium paying term is less than 10 years, the policy acquires Special Surrender Value after two years full premiums are paid and If Premium paying term is greater
than or equal to 10 years, the policy acquires Special Surrender Value after three years full premiums are paid.
8. Special Surrender Value (SSV) is a non guaranteed benefit. It is calculated as SSV Factor multiplied by the Paid Up Sum Assured. The SSV Factor is dependent on the
benefits payable for the paid up policy and is expressed as a percentage of Paid Up Sum Assured. The company reserves the rights to change the SSV Factor from time
to time depending on the economic environment, experience and other factors, subject to IRDAI approval.
9. Policy will acquire GSV only if first annualized premium have been paid. For GSV factors, kindly refer to the Policy document.
10. The policy acquires a paid up value after three years full premiums are paid. Please refer to sales brochure for more details.

11. Taxes, duties or surcharges of whatever description levied by any statutory authority will be applicable.

BENEFIT ILLUSTRATIONS AND THE CHARGES MENTIONED THEREIN COULD CHANGE IN THE EVENT THE COMPANY (RNLIC) LEVIES EXTRA MORTALITY CHARGE

I ROSARY ARUL KAVITHA S, have explained the information with respect to the above benefit illustration, to the prospect and he/she has understood the same.

Intermediary's Signature:

Place:
Date:

I LEO, declare that the Company has disclosed and explained all the information related to this product and riders to me and I declare that I have understood the same
before signing this Benefit Illustration.

Policyholders' Signature:

Marketing officials' Signature

Company Seal:

Place:
Date:

Reliance Nippon Life Insurance Co. Ltd. is only the name of the Insurance Company and Reliance Nippon Life's Super Endowment Plan is only the name of the Life insurance
contract and does not in any way indicate the quality of the contract, its future prospects or returns.

͞For more details on risk factors , terms and conditions please read sales brochure carefully before concluding a sale͘͟

Reliance Nippon Life Insurance Co. Ltd.

H Block, 1st floor, Dhirubai Ambani Knowledge City, Navi Mumbai, Maharashtra - 400710, India.