MONEY BACK---ENDOWMENT PLAN 1.Minimum age at entry :- For all the term = 15 years , For Riders = 20 2.

Maximum age at entry :- For 10 years term = 60 For 15 years term = 55 For 20 years term = 50 For 25 years term = 45 & For Riders = 65 3.Maximum Maturity age = 70 years. 4.Sum Assured = 1 lakh to 5 crore. 5.Death Benefit = Basic SA + Vested bonus till time of death. 6.Riders: - Can add AD/ATPD/PWB/CI/Term assurance rider. 7.Survival Benefit :a. For 10 years term = 3 payout = at the 8th year :- 30% of SA, at the 9th year :- 35% of SA, & at the 10th year = 45% of SA + Vested bonus.(110% of SA + VB) b. For 15 years term = term/5 = at the 3rd year :- 10% of SA, At the 6th year :- 15% of SA, At the 9th year :-20% of SA, At the 12th year :- 25% of SA, & At the 15th year :- 45% of SA+ Vested Bonus. (115% of SA + VB) c. For 20 years term= Term/5 = At the 4th year :- 10% of SA, At the 8th year :- 15% of SA, At the th 12 year :- 20% of SA, At the 16th year - 25% of SA, & at the 20th year:- 50% + Vested Bonus.(120% of SA + VB) d. For 25 year term = term/5 = at the 5th year: - 10% of SA, at the 10th year:- 15% of SA, at the 15th year :- 20% of SA, at the 20th year :- 25% of SA, at the 25th year :- 55% of SA + Vested Bonus.(125% of SA + VB) Benefits: - 1. Regular cash flows provide you the much needed liquidity. 2.Flexibility to choose the time frame for cash flows. 3.Guaranteed benefit + VB. 4.Riders at very nominal rates to ensure greater risk protection income for the family in case of any unforeseen events. 5.5 % rebate for female lives, Also, Rebates based on SA as well as premium payment plan.

SCHOLAR----II (ENDOWMENT PLAN) 1. Minimum age at entry for parents or Legal guardian: - 18 years to 60 years For Children : - 0 years to 15 years For Riders : - 20 2.Policy term: - Up to the child attains the age 21. 3.Premium paying term: - Up to the child attains the age 18. 4.Maturity age :- 70 years for the parent 5.Sum Assured: - 1, 00,000 to 1 crore. :- 50,000 to 20 lakh or equivalent to Basic SA . 6.Survival Benefit: - 25% of SA starting from the age 18 of the child. 25% of SA attaining the age 19 of the child. 25% of SA attaining the age 20 of the child 25 % of SA + VB attaining the age 21 of the child. 8.Death Benefit: Sum assured amount.

9.Riders: - Availability of TPD/AD/ Critical illness / PWB for ATPD Riders. 10.Special conditions :- In built waiver of premium for death 11.Triple benefit :a. SA + Vested bonus. b. Regular premium need to be paid c. Survival benefit wills payable as per the original schedule.

Benefits at a glance:1.Guaranteed education plan for child. 2.Inbuilt waiver of premium rider. 3.Guaranteed regular payouts whether parents alive or dead. 4.Options to take maturity benefit lump sum before 1st payouts. 5.Optional extra benefits in the form of Riders.

RIDERS
1.Accidental Death & Total Permanent Disability.:a. Minimum entry age 20 years, b. Maximum entry age 65 years, in case of Shield 60 years, & in case of UPCP 57 years. c. Maximum cover age 70 years, in case of Shield 60 years, & in case of UPCP-- 65 years. d. Minimum Sum assured 50,000 e. Maximum Sum assured Basic SA or 20 lakh whichever is lower. The sum assured under this rider will be paid along with the Sum assured under basic plan when here is death due to an accident. 2. Total Permanent Disability Benefit :Policy holder will receive :--# SA for accidental benefit in 10 installments till maturity/ death whichever is earlier. # At maturity/ Death, Balanced of TPD claim installments if any will be paid in one lump sum to the policy holder/nominee. Policy Continues for the Basic Plan: --# Regular premiums for basic plan have to be paid. # Survival benefits will be paid as per the original schedule of the policy is on force. Conditions:a. Irrevocable loss of sight of both eyes. b. Amputation of both hands above wrist. c. Amputation of both legs above ankles. d. Amputation of one hand & one leg above wrist & ankle. # above conditions should have happened due to an accident. # should inform to SBI Life in writing within 120 days. # should render policy holder incapable of being gainfully employed. Term Assurance Riders :Riders details :- Convenient option to secure additional life cover equivalent to basic SA. In the event of death additional SA will be given. No survival benefit. Min.entry age = 18 Years Max. Entry age = 60 years Max. cover age = 65 years Min. SA = Rs. 50,000 Max. SA = Equal to Basic SA or 50 lakh whichever is lower. = 3 times to Basic SA or 50 lakh whichever is lower (in sudarshan).

Premium Waiver Benefit Rider :In case the rider has been taken, on the happening of certain predefined events, i.e. Total & permanent disabilities due to an accident, future premiums are waived. While all other riders are calculated as a premium based on the SA, PWB rider is based on the amount of premium payable. e.g. Premium Rs. 10,000 If, PWB rider premium 1.99% Total rider premium payable 199 Minimum entry age 18 Maximum entry age 60 Maximum cover age 65 Maximum SA 50,000/Critical Illness Rider :Illness covered: 2.Kidney failure 3.Organ transplant 1. Cancer 5. Heart attack 6. Stroke 4. Coronary by pass surgery

Minimum entry age: - 18 years. Maximum entry age: - 55 years Maximum cover age: - 60 years Minimum Sum Assured: - 50,000 Maximum Sum Assured: - Equal to basic SA or Rs. 10 lakh whichever is lower. Special Conditions:# Six month exclusion period from the DOC or revival # Survival of 30 days from date of diagnosis # Premiums valid upto march 2008 # Intimation within 30 days from the date of diagnosis. Benefits:# Maximum age at entry depends upon the base plan. # SA is payable in the event the insured suffers the defined CI Noneedtosubmit the bills # Income tax benefit under section 80 D (up to Rs. 15,000)

Subh Nibesh
Minimum Age of Entry Maximum Age of Entry Minimum/Maximum Term Minimum Maturity Age Maximum Maturity Age Minimum Sum Assured Maximum Sum Assured Minimum Premium Minimum deferment period Maximum deferment Period Riders Four Types of Subh Nibesh :1.Pure Endowment :- At the time of maturity the insured will get only the SA + Bonus, and the policy will get terminated. Which can be used as accumulation of wealth. 2.Pure Endowment with deferment options: - At the time of Maturity The insured will take only the Bonus and leave the SA with the company, and ask for a deferment period of 5/10/15/20. so that the SA will be given to the insured within the stipulated time with a interest. which can be used as a pension & accumulation of wealth to the insured. 3.Endowment with whole life option: - At the time of Maturity (Completion of the term) , The insured will take his SA + Bonus amount. The insured will not give any premium after the term. But the company will give him a another SA at the time of his death or at 100th birth anniversary whichever comes earlier because the insured has taken a option of whole life option. which can be used as accumulation of wealth and transformation of wealth to the successor. 4.Endowment with Whole life option with deferment option :- At the time of maturity the insured will take only his Bonus amount and leave the SA with the company, and ask for a deferment period of 5/10/15/20. so that the SA will be given to the insured within the stipulated time with a interest and again whenever the insured will die after the Maturity period the nominee will be given another SA. If the insured survive for 100 years at that time i.e. at his 100th birth anniversary the insured will be given a SA. If the insured dies within the stipulated period then the nominee will get the rest amount of the deferred annuity as the insured got annually/half yearly upto the completion of the deferment period but the SA will given to the nominee instantly. Which can be used as wealth accumulation plus pension facility plus Transformation of wealth to the successor. N.B. The whole life option plan premium is slightly higher than the pure endowment Plan. :- 18 :- 60 :- 5/10/15/20/25/30 :- 23 :- 65 :- Rs. 75,000/:- Unlimited :- Rs. 6,000/:- 5 years :- 20 Years :- Term Assurance, APTPD, TPD is available.