Get 7.05% Guaranteed Investment Returns PRESENTING….. “Keep the Guarantee on your side” KEY HIGHLIGHTS KEY HIGHLIGHTS Choice of additional rider PLAN FUNCTIONING ACCRUED MATURITY VALUE Regular Premium (excluding Service Tax) Less: Life Ins. Risk Premium 95% of Net Premium GIR at end of each Cal. month Accrued Maturity Value (AMV) Loyalty Addition Death / Surrender/ Maturity Benefit Policyholder pays Additional Premium % (Additional Premium Factor) of Additional Premium Additional Accrued Maturity Value (AAMV) Death / Surrender/ Maturity Benefit Part Surrender GIR at end of each Cal. month ADDITIONAL ACCRUED MATURITY VALUE USP OF THE PLAN “Get 7.05% Guaranteed Investment Return in Financial Year 2010-11” GUARANTEED INVESTMENT RETURN  The Company will declare Guaranteed Investment Return (GIR) at the starting of each financial year.  The GIR is 7.05% for financial year 2010-11 “You have an Option to choose your life cover” LIFE COVER OPTIONS Minimum: 10 times First Year’s annualized regular premium plus Service Tax on Life Insurance Premium Maximum: For age 0 to 55 years: 20 times First Year’s annualized regular premium plus Service Tax on Life Insurance Premium For age 56 to 60 years: 10 times First Year’s annualized regular premium plus Service Tax on Life Insurance Premium The Sum Assured allowed is 10, 15 or 20 times of the annualized regular premium plus Service tax applicable on Life Insurance Premium chosen by the policyholder (subject to conditions stated above). “You can offer Invest Plus Premier at a low premium” MINIMUM/ MAXIMUM PREMIUM Minimum / Maximum Regular Premium plus Service tax applicable on Life Insurance Premium including Additional Rider Benefit premium (if any) Minimum Regular Premium Rs 6,000 per yearly installment, Rs 3,000 per half-yearly installment, Rs. 600 per monthly installment. Maximum Regular Premium (For channels other than Agency): Unlimited Maximum Regular Premium (For Agency channel only): Rs 20,000 per yearly installment, Rs 10,000 per half-yearly installment, Rs. 2,000 per monthly mode “Get up to 117% credit on additional premium paid” PAYMENT OF ADDITIONAL PREMIUM  In any policy year, additional premium over and above the Regular Premium can be paid anytime (except during the last three policy years before the maturity date) provided the regular premiums are paid up to date.  The minimum Additional Premium payable is Rs. 5,000 and the maximum is unlimited, subject always to the Company’s right to revise these from time to time subject to approval from IRDA.  An Additional Premium Factor shall be applied to each Additional Premium paid before adding it to the AAMV. The Additional Premium Factor will be determined by reference to the table below and to the outstanding policy term (in years, rounded down) when the Additional Premium is paid. ADDITIONAL PREMIUM FACTOR Outstanding Policy Term Outstanding Policy Term Outstanding Policy Term (in Years) (in Years) (in Years) 25 117.00% 17 110.50% 9 104.50% 24 116.00% 16 109.75% 8 103.75% 23 115.25% 15 109.00% 7 103.00% 22 114.50% 14 108.25% 6 102.25% 21 113.75% 13 107.50% 5 101.50% 20 112.75% 12 106.75% 4 100.75% 19 112.00% 11 106.00% 3 100.00% 18 111.25% 10 105.25% - - Additional Premium Factor Additional Premium Factor Additional Premium Factor Scenario: Male Age:30 years, Premium: Rs.6000 yearly, Sum Assured: Rs. 60,000 Additional Premium Paid: Rs 6000 per annum for 18 years Year. Premium Paid Additional Premium paid at the beginning of the year 6% 10% 6% 10% 6% 10% 1 6000 5064 5259 6000 7036 7306 2 6000 10331 10939 6000 14306 15148 3 6000 15809 17073 6000 21820 23569 4 6000 21505 23698 6000 29588 32615 5 6000 27430 30853 6000 37620 42336 6 6000 33591 38580 6000 45926 52786 7 6000 39999 46925 6000 54518 64024 8 6000 46663 55938 6000 63407 76112 9 6000 53594 65672 6000 72604 89118 10 6000 60802 76185 6000 82123 103116 11 6000 68831 88093 6000 91976 118186 12 6000 77182 100953 6000 102175 134412 13 6000 85867 114842 6000 112736 151888 14 6000 94899 129842 6000 123673 170713 15 6000 104292 146041 6000 135000 190996 16 6000 114061 163537 6000 146734 212853 17 6000 124221 182433 6000 158890 236410 18 6000 134787 202840 6000 171486 261803 19 6000 145776 224880 178345 282747 20 6000 157204 248683 185479 305367 354572 565939 AMV AAMV Maturity Value “Get Higher Life Cover” DEATH BENEFIT DEATH BENEFIT: Death before the life assured attaining age of 7 years : An amount equal to the total life insurance risk premiums paid till date Plus the AMV plus the AAMV, if any. Death after the life assured attaining age of 7 years: An amount equal to Sum Assured under the Policy plus the AMV plus the AAMV, if any. Upon the Death of the Life Assured, in case of a lapsed policy: The death benefit shall be equal to the AAMV, if any, as on the date of receipt of intimation of death. “Secure your investment with Guaranteed Maturity Value” MATURITY BENEFIT  MATURITY BENEFIT: AMV+ 75% of the total life insurance risk premium paid excluding any extra premium (subject to minimum GMV) + AAMV(if any)  The Guaranteed Maturity Value (GMV) shall be equal to the total regular premiums paid till maturity date excluding rider premium, any extra premium & service tax and is applicable only if the entire due premiums have been paid under the policy till maturity. “Get Refund of a proportion of Life Insurance Risk Premium at maturity” REFUND OF PREMIUM The refund of proportion of life insurance risk premium on maturity shall be made if all the due regular premiums till maturity date have been paid. The proportion will be: 75% of the total life insurance risk premium paid excluding any extra premium “Get Loyalty Additions from 11th Policy Year ” LOYALTY ADDITIONS  10% of the Net Premium as Loyalty Addition from the 11th policy year.  Loyalty Addition will increase the AMV at each regular premium payment if all due regular premiums have been paid for first 10 policy years “This plan provides an Option to decrease Regular Premium” DECREASE IN REGULAR PREMIUM  The Policyholder has the option to decrease the Regular premium from third policy anniversary.  You can exercise the option unlimited number of times during the policy term.  The reduced regular premium should not fall below the higher of :  the Life Insurance Premium including Service Tax applicable AND  the Minimum Regular Premium applicable under the policy (including Service Tax).  The reduction in regular premium shall not result in reduction of sum assured.  The GMV shall be revised on the basis of new regular premium. “Get an Option to en-cash partially” PART SURRENDER  The Policyholder can opt for Part Surrender of your Additional Accrued Maturity Value after three years from the date of payment of each additional premium  The minimum amount of Part Surrender from Additional Accrued Maturity Value is Rs.5,000 at one time.  Only one Part Surrender request is allowed in a calendar month “Get a Policy Loan” POLICY LOAN  85% of the surrender value of the Accrued Maturity Value as loan from the Company “Choice of Additional Rider Benefit” ADDITIONAL RIDER BENEFITS  You can opt for the following Additional Rider Benefit: Comprehensive Accidental Protection :comprises of the following:  Accidental Death Benefit  Accidental Permanent Total/Partial Disability Benefit  Waiver of Premium Benefit in case of Accidental Permanent Total Disability. DID YOU KNOW THAT INVEST PLUS PREMIER COMES IN A KIT??? KIT PREVIEW KIT VARIANTS Invest Plus Premier Kit is available with the following variants:  Rs. 6000 p.a  Rs. 8000 p.a  Rs. 10,000 p.a For More Details on this Product Refer to the TECHNICAL PRESENTATION ON PRODUCT DEVELOPMENT PORTAL THANK YOU Call : Bajaj Allianz 0-991-000-9312