*Advantages of Market Linked plans*

Aim of plan Its a plan which offer you market linked returns with valuable protection for your
family.
Premium Minimum 60K ,1 Lakhs,2 Lakhs,5 Lakhs per year.
Payment term Minimum 5 years.
Policy term 10,15,20,25,30 years.
Maturity Fund Value at maturity either lumpsum or in monthly installments.

Your money will be invested in 8 funds which can be broadly classified as.
1.Equity
2.Debt
Investment 3.Balance funds
Example : Maximiser V , Multicap growth ,Blue Chip ...top performer funds
with on an average of 19% returns*.
*(Returns depend on market performance)

Tax Benefit
Benefits over FD
Death Benefit/Life insurance
Auto switching Strategy
Flexibility top up
Fund Switching
1.Under 80 C you can avail benefit up to 1.5Lakhs on annual income.
2.Returns are tax free under 10 10 (D) .
1. Returns rate of interest is high (10-17 %) while in FD its less than 7%.
2.No tax cut on returns.
3.Partial withdrawal max 20 percent after locking period.
4.Top up on premium every year.
5.Life insurance cover free .10 times your annual premium.
Nominee will get amount whichever is higher on death of policy holder.
1.Sum assured i.e 10x the annual premium.
2.Fund Value.
3.105% of premium paid till now.
You can opt for this strategy .In this strategy every month some
amount will be automatically transferred from…
Debt ==> Equity funds.
Change of premium is possible.You can only increase your annual premium.
You can move your money from one fund to other at any time.
1.Elite Life II (unlimited switching).
2.Wealth builder II (4 switches free.charge thereafter 100 Rs per switch).

Premium Redirection. You can redirect your new premium in different funds before due date
every year as per your choice.
Partial withdrawal You can withdraw max 20% of fund value any time after locking period.

Note: Minimum Locking period is of 5 years. If you surrender before 5 years you will get the FV but
surrender option is not advisable as it will lead to no benefit.