life without compromises!! lets plan a holiday!!

Life without compromises!! Lets plan a holiday!!

Is it true for financial decisions??

Safety of investmentsGuaranteed

ReturnsHigher Protection

Great Flexibility

Where will I get all this

without compromise?

???

Historically people have invested in…

Instrument % of Investme

nt

Duration in Years

Pre Tax Return

Tax Treatment

Post Tax Return

Fixed Deposit 40% 5 8.5% Taxable Interest

5.95%

Life Insurance 15% 5 - 30 6%-10% Tax Free 6% - 10%

Post Office Instruments

17%

5 7.5% - 8% Taxable Interest

5.25% - 5.6%

National Savings

Certificate

6 8% Taxable Interest

5.6%

PPF 14% 15 8.5% Tax Free 8.5%

Others 14% 1-10Yrs Varies Taxable Varies

However majority with a compromise!!

No flexibility !No protection!

Complete Financial Solution without compromise !!

Instrument % of Investme

nt

Duration in Years

Pre Tax Return

Tax Treatment

Post Tax Return

Fixed Deposit 40% 5 8.5% Taxable Interest

5.95%

Life Insurance 15% 5 - 30 6%-10% Tax Free 6% - 10%

Post Office Instruments

17%

5 7.5% - 8% Taxable Interest

5.25% - 5.6%

National Savings

Certificate

6 8% Taxable Interest

5.6%

PPF 14% 15 8.5% Tax Free 8.5%

Others 14% 1-10Yrs Varies Taxable Varies

Safety of investments

Guaranteed Returns

Higher Protection

Great Flexibility

Life Insurance

Life Insurance

Life Gain PlusA Traditional, participating plan…offering…

…So that you can enjoy a long holiday called…Life!


Guaranteed Returns

Higher Protection

Great Flexibility

A Perfect Solution for Life’s Holiday!!


Guaranteed Returns

Higher Protection

Great Flexibility

–Investment Pattern as regulated by IRDA–Investment Pattern as regulated by IRDA

–Guaranteed addition at maturity …110% of SA on maturity–Guaranteed addition at maturity …110% of SA on maturity

–Double Death Benefit - After 5 years – Double SA + Bonuses., Within 5 years – SA + Bonuses

–Riders for enhanced protection



–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

First premium

Issue of policy – Year 0

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

Premium payment tenor – 15 years

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

Guaranteed Maturity

110% of Sum

Assured

Sum Assured Rs. 4,01,766


Maturity of policy – Year 25

SA with accrued bonus at the end of 25th Year

Guaranteed Addition – 10% of SA

+

Higher Protection – On Death….





Death at 10 years

SA + accrued bonusesSA + accrued bonuses

Death after 5 years –

Double SA + accrued bonuses

Death after 5 years –

Double SA + accrued bonuses

Double SA with accrued

bonuses on Death after 5 years of policy in force

Issue of policy – Year 0

Maturity of policy – Year 25

Death within 5 years

Guaranteed

Rs. 8,03,532

Non Guaranteed

•@ 6% - Rs. 8,33,818

•@ 10% - Rs.8,88,152

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)

Customers have the flexibility to switch between bonus options

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

– PUA’s are participating in nature and generate further bonuses

– Can Be separately surrendered if customer wants to access the cash value of these PUA’s

SPECIAL

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 4.69 12.21 7.884

35 4.93 12.82 8.277

40 5.27 13.70 8.850

Life Gain Plus - Plan Details

Entry age (years) 18

Max Entry age (years)

Term 20 - 55 Yrs : Term 25 - 50 Yrs

Maximum maturity age (years)

75

Policy term 20,25 years

Premium payment term

20 - 10 pay25 - 10/15 pay

Min Sum Assured (Rs)

50000

Max Sum assured (Rs)

No Limit

Riders allow ed PAB,Term, Term R&C, DD,WOP

Living benefitsSum assured w ith guaranteed additions &

accrued bonus

Death benefits

Policy in force < 5yrsSum assured

Policy in force > 5yrsDouble of Sum assured

Others benefitsGuaranteed 10% addition

Bonus once declared, is guaranteed

For details refer to product brochure.. For details refer to product brochure..

• 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)

Tax Benefit

Client – Prospect talk points

Hope you have started planning for

your future savings?

Your son/daughter is growing up.

Wouldn’t you want to create some

financial assets for their future

needs?

Diversify your investments: Enjoy

the guarantee return available with LGP

Daily consumption items are becoming expensive…we suggest you build a financial buffer to meet unforeseen circumstances.

A Quick Re – Cap for Life’s Holiday!!


Guaranteed Returns

Higher Protection

Great Flexibility

–Investment Pattern as regulated by IRDA–Investment Pattern as regulated by IRDA

–Guaranteed addition at maturity …110% of SA on maturity–Guaranteed addition at maturity …110% of SA on maturity











Life Gain Plus- Suitable for a Lifetime

A young couple 25 to A young couple 25 to 40 years of age40 years of age

People Over 40People Over 40

Easy, Happy & Tension freeEasy, Happy & Tension freeOld AgeOld Age

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

• 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.

AGE: 33

S.A Rs.3,57,450

Annual Premium: Rs.25,000

Policy term=20 yrs and PPT=10 yrs

Bonus Option: PUAPUA

AGE: 33

S.A Rs.3,57,450

Annual Premium: Rs.25,000



You pay Rs 2.5 lacs in 10 yrs and you get back Rs10.32 lacs

in 20 yrs

Mr Kamal and FamilyMr Kamal and FamilySalaried: Marketing ManagerSalaried: Marketing Manager

Mr Kamal and FamilyMr Kamal and FamilySalaried: Marketing ManagerSalaried: Marketing Manager

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

• 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.

AGE: 43

S.A Rs.3,97,906

Annual Premium: Rs. 35,000



AGE: 43

S.A Rs.3,97,906

Annual Premium: Rs. 35,000



You pay Rs 3.5 lacs in 10 yrs and you get back Rs. 9.67 lacs

in 20 yrs

Mr AnilMr AnilCollege ProfessorCollege Professor

Mr AnilMr AnilCollege ProfessorCollege Professor

THANK YOU

life without compromises!! lets plan a holiday!!

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