Reliance Super InvestAssure Plan

June 3rd , 2008

Get More Than You Can Ask For!

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Agenda

 Consumer Speak

 Introducing Reliance Super Invest Assure

 Plan Details

 Plan Summary

Strictly For Internal Communication only A Reliance Capital

Agenda

 Consumer Speak

 Introducing Reliance Super Invest Assure

 Plan Details

 Plan Summary

Strictly For Internal Communication only A Reliance Capital

 Currently which Will these
are good investments reap
investment required returns and
avenues? safeguard my
money

I have my own
I should have financial needs
options as per
my risk
capacity

With money
protection I
Savings also need life
will help protection
me protect
my money

I have
earne
d
mone
y with
much
effort
s

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How do I fulfill my needs?

Flexibility

I want a
Financial Complete Plan
addressing my Security
Planning
needs

Investment Return

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Agenda

 Consumer Speak

 Introducing Reliance Super Invest Assure

 Plan Details

 Plan Summary

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 Reliance Life Insurance Presents
An Opportunity
For each one of us
To get what we want……

The Road to prosperity starts here !

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 Rewards in form of Guaranteed
Additions of upto 250% of annual
premium amount

Tax saving u/s 80 C, Wide Investment Options

80D & 10 (10D) with over 7 funds

RELIANCE SUPER
INVESTASSURE PLAN

Unmatched flexibility
Liquidity through Partial
on your investments
Withdrawals

Protection with Life Cover,

additional protection with
Accident & Health Riders

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Guaranteed Additions….makes you Earn More !!!!

50% of First Year’s basic premium added to the Fund Value on 10th policy
anniversary
And..
 Every 5th policy anniversary thereafter as long as the policy is in force

Earn up to
250 %
of First Year Basic Premium as
Guaranteed Additions
during the policy term

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Build Your Own Portfolio – Choice of 8 Funds
 Flexibility to choose from the wide Fund Options like :

­ Equity Fund
Equity Fund

­ Corporate Bond Fund

Corporate Bond

­ Money Market Fund

Money Market Fund

­
Gilt Fund
Gilt Fund
New
­
Infrastructure Fund Infrastructure Fund
New
­
Energy Fund
Energy Fund
New
­
MidCap Fund
Mid Cap Fund
New
­
Microsoft Pure Equity Fund
PowerPoint Presentation

Choose your own MIX !!!!!

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Unmatched Flexibility To Manage Your Funds
 Systematic Transfer Plan – Minimize risk due to market volatility
­ A procedural shift from a low risk investment in to equities
­ The initial amount is invested in the Gilt fund
­ 25% of units transferred to equity fund every week for equivalent fund value
­ In effect Cost per unit is averaged out.

 Top-Up your investment

­ Top­ups allowed only if all the due regular premiums till date are paid
­ Maximum top­up allowed is 25% of the total regular premiums paid till date
­ Minimum Top up can be Rs 2500/­

 52 free switches in a year

­ Alter your fund mix as per your requirements

 Settlement Option
­ Maturity proceeds can be withdrawn in periodic installments within
the last 5 years of the policy

 Premium Redirection
­ Alter fund allocation of future premiums
­ Redirection will not affect premiums allocated prior to the
request
­ Available free of cost

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 Total Protection
 Life Cover Upto 20 times the Annual Premium depending on age

 Option to choose any of the 4 following Riders –

­ Reliance Critical Conditions (25) Rider

Critical Conditions
Rider

­ Reliance Major Surgical Benefit Rider

Major Surgical
Benefit

­ Reliance Term Life Insurance Benefit Rider.

TLR

­ Reliance Accidental Death and Total & Permanent Disablement Rider

Accidental Benefit
Rider

Any or all of the 4 riders can be chosen subject to the sum of rider
premiums not exceeding 30% of the premiums paid under Basic Plan.

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 Liquidity….whenever you want it the most…
 It is possible to make a full or a partial surrender of the plan before the maturity date.
 Surrender Value is acquired immediately on payment of the First premium. However, it
is payable only after completion of three policy anniversaries
 Partial Withdrawals
­ Are allowed anytime after 3 policy years or attainment of age 18 whichever is
later.
­ Policy continues to remain in force
­ Withdrawal charges are equal to surrender charges
 Total Withdrawals i.e. Surrender
­ Allowed anytime after 3 years
­ Policy ceases after surrender

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 Tax Benefits
 As per Income Tax Act, 1961premiums are eligible for tax deduction as
under,
­ Premiums paid in respect of basic policy – u/s 80 C of the Act.
­ Premium paid under Reliance Term Life Rider – u/s 80C of the Act
­ Premium paid under the Reliance Accident Benefit Rider – u/s 80 C of the Act
­ Premium paid under Reliance Major Surgical Benefit Rider and Reliance Critical
Conditions (25) Riders – u/s 80D of the Act.

 The benefits under this plan and riders are tax exempt u/s 10 (10D) of the
Act.

 Partial or Total Withdrawal under the plan is exempt u/s 10 10(D) of the
Act.

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Agenda

 Consumer Speak

 Introducing Reliance Super Invest Assure

 Plan Details

 Plan Summary

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Customer Allocation
Allocation as % of Premium

 1st Year Allocation in Customer Fund 20%

 2nd & Subsequent Year Allocation 95%

 Guaranteed Additions
­ 10th Year 50%
­ 15th Year 50%
­ 20th Year 50%
­ 25th Year 50%
­ 30th Year 50%

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Fund Management Charge

Fund Name Annual Rate

Equity Fund 1.50%

Corporate Debt Fund 1.25%
Money Market Fund 1.25%
Gilt Fund 1.25%
Infrastructure Fund 1.50%
Energy Fund 1.50%
Midcap Fund 1.50%
Pure Equity Fund 1.50%
Fund C –Pure Debt fund 1.30%

Service Tax charge or any other charges, as may be levied by Governmental

authorities, on Fund Management Services or any other services, as may be
applicable, shall be recovered from the policyholder.

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Choosing the Sum Assured
 Minimum Sum Assured
­ 5 times of the Annualized Premium
 Maximum Sum Assured
­ As per the Table

Age at entry (last birthday) Maximum Sum Assured

0 to 40 20 times of Annualized Premium

41 to 45 15 times of Annualized Premium

46 to 50 10 times of Annualized Premium

51 to 60 5 times of Annualized Premium

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 Product Limits

Basic Plan Minimum Maximum

Age at Entry 30 days 60 years

Age at Maturity 15 years 75 years

Policy Term 15 years 30 years

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 Premium Modes & Limits

Mode Minimum Maximum

Yearly Rs. 5,000/- No Limit

Half Yearly Rs. 2,500/-

Quarterly Rs. 1,250/-

Monthly Rs. 500/-

Top Up Rs. 2,500/- No Limit

(Subject to Max 25% of Total
Premium Paid)

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 Non Medical Limits
Age Limit with standard Limit with non
(years) age proofs standard age proofs

0­18 1,000,000 1,000,000

18­35 1,500,000 1,000,000

36­45 1,000,000 600,000

46­50 500,000 200,000

51 & above 100,000 100,000

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Agenda

 Consumer Speak

 Introducing Reliance Super Invest Assure

 Plan Details

 Plan Summary

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Benefit Summary
 Regular Premium Unit Linked Insurance Plan

 Guaranteed Addition’s – up to 250% of annual premium in addition to earnings

growth (10 th year 50% ­ 15th year – 50%, 20 th year 50%, 25th year 50% and 30th year 50%)

 Wide array of 8 fund options including 3 Sectoral Funds and a Pure Equity Fund

 Liquidity through partial withdrawals

 Life Cover upto 20 times Annual Premium Depending on Age

 Unparalleled investment flexibility through Free Switches, Top­ups, Systematic

Transfer, Premium Redirection and Exchange

 Additional Protection with Riders (Reliance Term Life, Reliance Accidental Death & Total & Permanent
Disablement, Reliance Critical Conditions (25) & Reliance Major Surgical Riders)

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 Happy Selling

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