Life without compromises!! Lets plan a holiday!!

Life without compromises!!

Health Bhi Kadi Safai

Tough Bhi

Taste Bhi Magar Pyaar se

Soft Bhi

Is it true for financial decisions??

Where will I get all this without compromise????

Safety of investments Guaranteed Returns

Higher Protection
Great Flexibility

Historically people have invested in

Instrument % of Investme nt Duration in Years Pre Tax Return Tax Treatment Post Tax Return

Fixed Deposit
Life Insurance Post Office Instruments National Savings Certificate PPF Others

40%
15%

5
5 - 30 5

8.5%
6%-10% 7.5% - 8% 8%

Taxable Interest
Tax Free

5.95%
6% - 10% 5.25% 5.6% 5.6%

However majority Taxable with a Interest compromise!! No flexibility ! Interest No protection!

17%

Taxable

14% 14%

15 1-10Yrs

8.5% Varies

Tax Free Taxable

8.5% Varies

Complete Financial Solution without compromise !!

Instrument % of Investme nt Duration in Years Pre Tax Return Tax Treatment Post Tax Return

Fixed Deposit
Life Insurance Post Office Instruments National Savings Certificate

40%
15%

5
5 - 30 5

8.5%
6%-10% 7.5% - 8%

Taxable Interest
Tax Free

5.95%
6% - 10% 5.25% 5.6% 5.6%

17%

Taxable Life Interest Insurance 8% Taxable Interest

PPF
Others

14%
14%

15
1-10Yrs

8.5%
Varies

Tax Free
Taxable

8.5%
Varies

Safety of investments

Guaranteed Returns

Higher Protection

Great Flexibility

To add to the excitement of 2010

We now bring to you another world-class product without any compromises!!

Life Gain Plus

A Traditional, participating planoffering
Safety of investments Guaranteed Returns Higher Protection Great Flexibility

So that you can enjoy a long holiday calledLife!

A Perfect Solution for Lifes Holiday!!

Safety of investments Investment Pattern as regulated by IRDA Guaranteed Returns Guaranteed addition at maturity 110% of SA on maturity Higher Protection Double Death Benefit - After 5 years Double SA + Bonuses.,
Within 5 years SA + Bonuses

Riders for enhanced protection Great Flexibility To choose tenor and Option to pay premiums in Limited payment period and, To switch between different bonus options

Safety of Investment - Investment strategy for traditional products

In line with IRDA Investment guidelines for traditional products!

Guaranteed Returns Maturity Benefit

SA with accrued bonus at the end of 25th Year

Guaranteed Maturity

110% of Sum
Assured
Issue of policy Year 0 Maturity of policy Year 25

Guaranteed Addition 10% of SA

Premium payment tenor 15 years

Sum Assured Rs. 4,01,766

Premiums Paid: Rs 300,000 Maturity values: Guaranteed MB Rs. 4,41,943 Non Guaranteed @ 6% Rs. 6,27,656 Non Guaranteed @ 10% Rs.10,76,410

First premium

Male age 30, Premium 20,000, PPT 15 yrs and Term 25 yrs

Higher Protection On Death.

Guaranteed

Double SA
with accrued bonuses on Death after 5 years of policy in force

Rs. 8,03,532
Non Guaranteed

@ 6% - Rs. 8,33,818

Death within 5 years

Issue of policy Year 0 SA + accrued bonuses

Death at 10 years

@ 10% - Rs.8,88,152 Sum Assured Rs. 8,03,532

Maturity of policy Year 25

Death after 5 years

Sum Assured Rs. 4,01,766 Double SA + accrued bonuses

Male age 30, Premium 20,000, PPT 15 yrs and Term 25 yrs

Higher Protection On Death & Sickness

Rider Options: PAB Term Rider DD Rider WOP Rider Term R&C Rider

Inbuilt Protection: Terminal Illness coverage- up to 50% of SA paid upfront on diagnosis of a terminal illness.

Higher Flexibility
Option to Choose Policy Term basis your life stage milestone:
20 Years or 25 Years

Pay while your earning are higher - Limited Premium Payment option
10 Years PPT for 20 Year Term 10/15 Years PPT for 25 Year Term

To switch between different bonus options

Cash Premium Offset Paid up addition(PUA)

Flexibility - Bonuses Provide a Wide Array of Choice

Cash: take the amount of bonus declared as cash Premium Offset : the bonus amount can be used to adjust against future premiums payable Paid Up Additions:
The bonus amount can be used to purchase PUA Whereby the Sum Assured will increase the insurance cover every year and add to base coverage PUAs are participating in nature and generate further bonuses Can Be separately surrendered if customer wants to access the cash value of these PUAs

Customers have the flexibility to switch between bonus options

Life Gain Plus Bonus declared in 2010

Age

Bonus Projection @ 6%

Bonus Projection @ 10%

Cash Bonus Per Rs. 1000 SA

25

4.57

11.87

7.669

30
35 40

4.69
4.93 5.27

12.21
12.82 13.70

7.884
8.277 8.850

Life Gain Plus - Plan Details

Entry age (years) Max Entry age (years) Maximum maturity age (years) Policy term Premium payment term Min Sum Assured (Rs) Max Sum assured (Rs) Riders allow ed Living benef its 18 Term 20 - 55 Yrs : Term 25 - 50 Yrs 75 20,25 years 20 - 10 pay 25 - 10/15 pay 50000 No Limit PAB,Term, Term R&C, DD,WOP Sum assured w ith guaranteed additions & accrued bonus Policy in f orce < 5yrs Sum assured Policy in f orce > 5yrs Double of Sum assured Guaranteed 10% addition Bonus once declared, is guaranteed

Death benef its

Others benef its

For details refer to product brochure..

Tax Benefit
Tax deduction u/s 80C- On premium paid up to a maximum limit of Rs 1 Lac u/s 10(10D)- Tax Free proceeds (maturity& survival benefits)

Client Prospect talk points

A Quick Re Cap for Lifes Holiday!!

Safety of investments

Investment Pattern as regulated by IRDA

Guaranteed Returns Guaranteed addition at maturity 110% of SA on maturity Higher Protection Double Death Benefit - After 5 years Double SA + Bonuses.,
Within 5 years SA + Bonuses

Riders for enhanced protection Great Flexibility

To choose tenor and

Option to pay premiums in Limited payment period and, To switch between different bonus options

Lets take a look at a few needs LGP fulfills easily!

Life Gain Plus- Suitable for a Lifetime

A young couple 25 to 40 years of age

Easy, Happy & Tension free Old Age People Over 40

LGP - For the age group of 25 -40

Long term coverage and a plan that gives compounded bonus Supplements the investments you currently have, provides additional tax benefits Money on maturity can be used for various purposes: Payment towards a housing loan Further education of children Marriage Holiday
You pay Rs 2.5 lacs in 10 yrs and you get back Rs10.32 lacs in 20 yrs

Mr Kamal and Family Salaried: Marketing Manager

On a conservative note at 10%,By age 53, the total cash value of the fund is Rs10,32,789./ Cash value of the bonus can supplement Money backs to meet bigger money needs. In case of demise spouse can utilize money as capital annuity /pension As and when required the cash option for bonus can be exercised.

LGP- For the age group of 41-55

Long term coverage and a plan that gives compounded bonus Supplements the investments you currently have, provides additional tax benefits Money on maturity can be used for various purposes

RETIREMENT
You pay Rs 3.5 lacs in 10 yrs and you get back Rs. 9.67 lacs in 20 yrs Mr Anil College Professor

On a conservative note at 10%,By age 63, the total cash value of the fund is Rs.9,67,863 / Cash value of the bonus can supplement Money backs to meet bigger money needs. In case of demise spouse can utilize money as capital annuity /pension As and when required the cash option for bonus can be exercised.

With .. Life Gain Plus

Enjoy Life without compromises!!

And even Better News..

Only for

Life Gain Plus

LGP 60% 60% 10% 10%

Year
First Year Premium 1st Year renewal 2nd Year renewal 3rd Year renewal

Do you want more!

Happy Selling

THANK YOU