In uncertain times, there are very few things that offer certainty

that are guaranteed. Presenting the AEGON Religare Guaranteed

Return Plan that offers an unbeatable combination of guaranteed
tax-free returns at maturity along with a life cover. So now while
you are planning future savings for your family, there is a plan that
guarantees you both, returns and complete peace of mind.

7.2%
annual tax-free returns
How do you apply for AEGON Religare
Guaranteed Return Plan?
Step 1 : All you need to do is choose the amount of single premium
you wish to pay

on maturity
Step 2 : Choose the policy term you want to invest for

Benefits
Maturity – At the end of policy term, you get a guaranteed tax-free
return compounded at 7.20% p.a. of the single premium amount
paid.
Death – In case of death, the benefit payable to the nominee will be
5 times the single premium paid.
Surrender – You have an option to surrender the policy anytime
you want after the completion of first 2 policy years. The
guaranteed surrender value will be as follows:

Policy Year 3rd 4th 5th 6th 7th 8th 9th 10th
Guaranteed
Surrender 100% 107% 114% 123% 131% 140% 150% 161%
Value as
a % of SP

Policy Loan – If required, we will provide you with a loan against

your policy, the amount of which will be a minimum of Rs. 25,000
and maximum of 80% of the surrender value. The interest rate on
this loan will be decided by the Company from time to time.
Tax Benefits – Tax incentive shall be as per the Income Tax Act, 1961.

Other Features
No Medical Test – You do not have to undergo any medical
investigation. All you need to do is answer 3 simple questions in
the proposal form.
Free Look Cancellation – In case you are not satisfied with the
policy, you may choose to cancel it within 15 days of receiving the
AEGON Religare
policy by returning the policy documents to us with a letter
Guaranteed Return Plan stating the reason for cancellation. Upon cancellation, you will be
paid back the premium, minus the cost of stamp duty.
Eligibility Prohibition of Rebates
Section 41 of the Insurance Act, 1938 states: 1) No person shall allow or offer to allow,
Single Premium Minimum - Rs. 50,000 either directly or indirectly, as an inducement to any person to take out or renew or
(in multiple of Rs. 1000) Maximum - Rs. 4,00,000 continue an 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
Entry Age Minimum - 90 days
premium shown on the policy, nor shall any person taking out or renewing or
Maximum - 45 years continuing a policy accept any rebate, except such rebate as may be allowed in
Policy Term 7 years or 10 years accordance with the published prospectuses or tables of the insurer.
2) Any person making default in complying with the provision of this section shall be
Sum Assured 5 times of single premium
punishable with fine, which may extend to Five Hundred Rupees.
Premium Payment Frequency Single Section 45 of Insurance Act, 1938 states: In accordance with 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 a
Illustration statement made in the proposal of insurance or any report of a medical officer, or a
referee, or a friend of the insured, or in any other document leading to the issue of the
For a clear understanding, you can refer to the below illustration: policy, was inaccurate or false, unless the insurer shows that such statements was on
Mr. ‘X’ has bought the AEGON Religare Guaranteed Return Plan material factor or suppressed facts which it was material to disclose and that it was
for 7 years and Mr. ‘Y’ has taken the same policy for 10 years by fraudulently made by the policyholder and that the policyholder knew at the time of
making that the statement was false or that it suppressed facts which it was material to
paying a Single Premium. The maturity benefit they will get at the disclose.
end of policy term is as mentioned in the table below. Product Name: AEGON Religare Guaranteed Return Plan UIN-138N007V01
Single Maturity Value at Maturity Value at
Premium the end of 7 years for the end of 10 years for
Mr. ‘X’ @ 7.2% p.a. Mr. ‘Y’ @ 7.2% p.a.
50,000 81,345 1,00,210
1,00,000 1,62,690 2,00,420
1,50,000 2,44,035 3,00,630
2,00,000 3,25,380 4,00,840
2,50,000 4,06,725 5,01,050
3,00,000 4,88,070 6,01,260
3,50,000 5,69,415 7,01,470
4,00,000 6,50,760 8,01,680 For more details:
Call (Toll Free) 1800 209 9090
Terms and Conditions SMS ‘Guaranteed’ to 56677
www.aegonreligare.com
Death – For age 0 to 7 years, death benefit payable will be higher of
the surrender value or single premium paid.
Service Tax – We have the right to levy service tax or any other tax
as per the prevailing tax laws on premium or benefits payable.
Insurance is the subject matter of the solicitation.
Exclusion – In case of death by suicide during the first policy year,
IRDA Company Registration No.: 138
no death benefit is payable. Only the single premium paid without Registered Office: AEGON Religare Life Insurance Company Ltd.,
any interest shall be refunded. All the benefits payable will be suject 2nd Floor, Paranjpe ‘B’ Scheme, Subhash Road, Near Garware House,
Vile Parle (East), Mumbai 400057
to deduction of outstanding loan and interest.
Branch Office Stamp:
AEGON Religare Guaranteed Return Plan is a non-linked
non-participating single premium endowment plan.

About AEGON Religare Life Insurance

AEGON, one of the world’s largest life insurance and pension V.No. i / jan 09
groups and Religare, one of the leading integrated financial services
groups in India, have come together to launch AEGON Religare Life
Insurance Company Limited. Advt. No. II/January 2009/139