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INSURANCE

2010-03-23T19:20:00.000-07:00

Smart Ulip Highest NAV Guaranteed Get High Returns Childrens Plan, Life Long Pension Plan SBI Life .. 9292801216

Kotak Headstart Child Plans

2009-06-26T08:58:00.000-07:00

In this policy, the investment risk in the investment portfolio is borne by the policyholder

Overview

Every child is different, with a unique set of dreams and aspirations. As a parent, you would like to provide your child with all the building blocks necessary to develop his or her potential to the fullest. This could mean extra coaching or tuition for talented children, special training or equipment for natural athletes, or professional training or equipment for natural athletes, or professional training for born singers. This is where Kotak's Headstart Child Plans come in.

Call us at: 1800 209 8800
Mail us at: lifeexpert@kotak.com

posted by srikanth....june 26

Aviva Health Plus

2009-06-26T08:56:00.000-07:00

Overview

Aviva Health Plus is a comprehensive health cum savings plan that covers you against death and ill health, while guaranteeing the return of a part of the premium on maturity through:

Provision of a Life Cover (Sum Assured) on death and disability
Protection against 18 critical illnesses
A combined benefit of more than Rs 21 lakh, in case all health benefits are claimed
Extended death and disability cover for 5 years after the health benefits cease
Guaranteed maturity benefit on the date of maturity, even if all health benefits are claimed.

Contact:
1800-180-2266

customerservices@avivaindia.com

posted by srikanth....june 26

Kotak Secure Retirement Plan

2009-06-26T08:54:00.000-07:00

In this policy, the investment risk in the investment portfolio is borne by the policyholder.

Overview

With the cost of living constantly on the rise, even the most basic commodities are likely to become costlier by the day. By the time you retire, the costs of essentials like milk and vegetables would probably be five fold and Medical costs would have doubled. There’s no better time than now to plan for what should be the best years of life - your retirement! To help you plan better, we present to you the Kotak Secure Retirement Plan.

Advantages
Enjoy unlimited upside from capital markets with a downside protection guarantee
Flexibility to choose your retirement age
Benefit from being able to switch between fund options
No medicals
Increase contribution at will by way of top-up premiums

Call us at: 1800 209 8800
Mail us at: lifeexpert@kotak.com

posted by srikanth....june 26

Bajaj Allianz Householders - Security for your home

2009-06-26T08:51:00.000-07:00

At Bajaj Allianz we do not insure houses, we insure homes. For you your home is the most valued possession, a haven of safety. But is it really as safe as you believe it We at Bajaj Allianz value your security & peace of mind. Hence we bring to you the House- Holders' Insurance policy designed to cover various risks and contingencies faced by householders under a single policy. It provides protection for property and interests of the insured and his family members who permanently reside with the insured.

Advantages

Single policy covering all risks related to home
Complete coverage at reduced and very competitive premium rates
Simple and quick documentation
Related items get covered under respective sections
No strain on pockets of insured
Customized cover option available
Benefits on sectional discount which will reduce the premium.

Contact:
1800-209-5858(Any)
1800-22-5858(BSNL)
30305858(other)

posted by srikanth....june 26

Aviva Young Scholar

2009-06-26T08:50:00.000-07:00

Overview

Aviva Young Scholar is a comprehensive plan that enables you to secure your child’s future in any eventuality through:

Attractive returns, enhanced by bonus units every 5 years to build the desired corpus of funds on maturity of the policy
All future premiums being waived off and invested as a lump sum amount in to the funds, so the policy continues even in the unfortunate event of the parent’s death, disability or on contracting a critical illness, while the Sum Assured is paid out immediately
Provision of a regular income for the minor child, in the event of parent’s death

Contact:
1800-180-2266

customerservices@avivaindia.com

posted by srikanth....june 26

Reliance Total Investment Plan Series II - Pension

2009-06-26T08:49:00.000-07:00

Key Features

This is a Single premium unit linked pension plan with options to purchase the same plan with reduced allocation charges in subsequent policy years. Since more premium is allocated towards investment due to lower allocation charges on subsequent purchases greater would be the returns. Purchasing the same plan in the subsequent years is an option.

1st purchase would be called as “Classic”

2nd purchase would be called as “Silver”

3rd purchase would be called as “Gold”

4th purchase would be called as “Diamond”

5th purchase would be called as “Platinum”

Once the client purchases the first policy there will full flexibility for the client as to when second and subsequent purchase can be made and how much premium should be paid for each purchase subject to the following -

The minimum premium on each purchase should be at least Rs. 25,000.
The maturity date on each purchase cannot exceed 70 years.
All the polices should mature on maturity date of the first purchase.
The term of the polices purchased during second, third, fourth and fifth policy years will be 9, 8, 7 and 6 respectively.
New policy can be purchased only if all the previous polices are in force on the date of purchase of new policy.
Plan Objective :

The pace setter plan with unmatched flexibility which gives

Tax benefit under Sec. 80CCC of Income Tax Act 1961
Investment opportunity with flexibility
Control over your investments

Contact:
Call 30338181 or 1800 300 08181 (toll-free)

posted by srikanth....june 26

Bajaj Allianz - Motor Insurance

2009-06-26T08:48:00.000-07:00

Get an online insurance quote from Bajaj Allianz for a comprehensive package for your car insurance and save. We have a car insurance to suit your needs.

Apply now for Bajaj Allianz Motor insurance and save.

We pride ourselves on our claims service; choose Bajaj Allianz Motor insurance for your Car and you can be sure that we'll be there for you whenever you need us: 24 x 7

Features
Assured best deals on your Motor Insurance
Fair and Faster claims settlement

Discounts on back to back accident free years

Instant online renewal and issuance of your Motor Policy

Quick service on breakdown/accident with instant claim status updates

24x7 customer assistance for all product queries and claims information. Call me now

Contact:
1800-209-5858(Any)
1800-22-5858(BSNL)
30305858(other)

posted by srikanth....june 26

Aviva Little Master

2009-06-26T08:44:00.000-07:00

Overview

Aviva Little Master is a holistic child plan that enables you to secure your child's future in any eventuality and also covers your child's life through:

Attractive returns in addition to bonus units value on maturity, to help you enhance the desired corpus for your child
Payment of the Sum Assured to the child or appointee (if the child is a minor), in the unfortunate event of patent's death, disability or on contracting a critical illness. All future premiums are waived off and invested as a lump sum amount in the funds and the policy continues
Provision of a regular income for the minor child, in the event of parent's death
Life cover on the child

Contact:
1800-180-2266

customerservices@avivaindia.com

posted by srikanth....june 26

CRITICAL ILLNESS - GUARANTEED LUMP SUM PAYMENT ONCE DIAGNOSED OF CRITICAL ILLNESS

2009-06-26T08:43:00.000-07:00

Critical illness policy provides protection from the life threatening illness, which can hamper your routine life style. With a critical illness cover you can secure yourself from such contingencies. This is a benefit policy which pays the SI as lump sum amount once you are diagnosed with one of the listed critical illness*

Cancer
Multiple Sclerosis
Paralysis
Coronary Artery Bypass Surgery
Major Organ Transplant
Primary Pulmonary Arterial Hypertension.
First Heart Attack
Stroke
Kidney Failure
Arota Graft Surgery

Features
Covers 10major illnesses like cancer, heart attack, paralysis, etc.
The benefit amount is payable once the disease is diagnosed meeting specific criteria and the insured survives 30 days after the diagnosis*
Medical examination may be required in some cases based on the age and the benefit amount opted by the propose.

Benefits / Advantages
Very competitive premium rates
The insured receives the amount as lump sum so that he can plan the treatment accordingly
Expenses like donor expenses in a transplant surgery, which are not covered under normal health insurance policy, can be paid out of the amount received under this cover
Premium paid is exempt under the section 80 D of Income Tax Act as per existing IT laws.
Hassle-free in house claim settlement.

Coverage
SI available from 1,00,000 to Rs. 50,00,000
Age band – 6 yrs – 59 Years.

Contact:
1800-209-5858(Any)
1800-22-5858(BSNL)
30305858(other)

posted by srikanth....june 26

Reliance Wealth + Health Plan

2009-06-26T08:40:00.000-07:00

UNDER THIS PLAN THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

There are times when late working hours take precedence over your health check-ups. And there are times when a visit to the doctor seems more important than dividends on your shares. In the rat race to make money, we often forget to take care of ourselves.

We understand this predicament. Here is a plan that will ensure that your wealth keeps increasing constantly and yet your health does not take a backseat. The Reliance Wealth+Health Plan. A plan that gives you the benefits of wealth bhi. health bhi.

Life changes. And as it does, so do your priorities. After all, the circumstances of your life can determine the type of health coverage you need.

India has made rapid strides in the health sector. Since Independence, life expectancy has gone up markedly and survival rates have also increased, still critical health issues remain. Infectious diseases continue to claim a large number of lives.

Perhaps you're a freshly minted graduate, a joyful newlywed, retiring early or between jobs. Maybe you're running your own business or raising a family — or both. In any of the situations, GOOD or BAD, health cannot be taken for granted. All are affected by the rising costs of medical expenses. That’s why it is important to plan early and in advance.

Reliance Wealth + Health Plan, a health insurance plan underwritten by Reliance Life Insurance Company Limited, is designed to work in conjunction with contributions towards savings. The uniqueness of this plan is that it not only provides benefits for covered injuries but also for other injuries by encashment from the unit fund. This plan from Reliance Life offers the Hospitalization and Surgical Benefits and also covers Critical Illnesses. In short this plan provides you with a personalised quality health cover that fits your lifestyle.

Key Feature
A Unit Linked plan with Unique Savings Component
Twin benefit of market linked return and health protection
Choose from two different plan options
Flexibility to take care of your family’s health
Flexibility to switch between funds / plan options
Option to pay Top-ups
Option to package with multiple riders
Liquidity through partial withdrawals

Contact:
Call 30338181 or 1800 300 08181 (toll-free)

posted by srikanth....june 26

Bajaj Allianz - PERSONAL GUARD -COVERS EXPENSES DUE TO ACCIDENTS

2009-06-26T08:37:00.000-07:00

Life is full of uncertainties and unexpected events. Accidents can happen at home, at work, even at play. The death or injury of a breadwinner can create serious financial problems for any family. It is in situation like these, that you need to be prepared. To help you soften the blow Bajaj Allianz offers the Personal Guard cover. Our Personal Guard Policy offers these additional benefits.

Features
Covers Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total Disability
Children's Educational Bonus benefit.
Daily hospital confinement allowance payable in case of hospitalization due to accident*
Medical expenses reimbursement in case of hospitalization due to accidents*

*if this add-on cover is opted

Benefits
Highest compensation of 125% of the SI in case of Permanent Total Disability.
Children's education is not hampered due to your accidental death or injury
Hassle free in house claim settlement.
Cumulative bonus @ 5% per claim free year to a maximum of 50%.
Family discount of 10%

Coverage
Covers Death, Permanent Partiality Disability, Permanent Total Disability, & Temporary Total disability.
In case of Temporary Total Disability 1% of SI or Rs 5000 / week (whichever is lesser) will be payable up to max 100 weeks.

Contact:
1800-209-5858(Any)
1800-22-5858(BSNL)
30305858(other)

posted by srikanth....june 26

NEW JEEVAN SURAKSHA - I

2009-06-26T05:50:00.002-07:00

Product summary:
These are Deferred Annuity plans that allow the policyholder to make provision for regular income after the selected term.

Premiums:
Premiums are payable yearly, half-yearly, quarterly, monthly or through Salary deduction, as opted by you, throughout the term of the policy or till earlier death. Alternatively, the premium may be paid in one lump sum (single premium).

Tax Benefits:
Tax relief under Section 80ccc is available on premiums paid under New Jeevan Suraksha I (Table No.147). The premiums paid under New Jeevan Dhara I (Table No.148) qualify for tax relief under Section 88.

Bonuses:
These are with-profit plans and participate in the profits of the Corporation’s annuity / pension business. Policies get a share of the profits in the form of bonuses. Simple Reversionary Bonuses are declared per thousand Sum Assured annually at the end of each financial year. Once declared, they form part of the guaranteed benefits of the plan. Final (Additional) Bonuses may also be payable provided policy has run for a certain minimum period.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june26

Reliance Money Guarantee Plan

2009-06-26T05:50:00.001-07:00

UNDER THIS PLAN THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Yes, it’s a trio the pace setter plan which promises Life Protection, an opportunity to gain control over your investments along with protection of downside risk!

For the select few like you, the Reliance Money Guarantee Plan is Unit Linked product addressing comprehensive need to strike that perfect balance of Protection and Savings, that you deserve as you grow successfully. The Reliance Money Guarantee Plan is a Regular Premium Unit Linked Policy which guarantees the entire premium (including premiums for top-ups) paid by you. This is a plan which helps you reap all the benefits of a rising market simultaneously protecting you from the downside risk of the market.

Key Features
Capital Guarantee: The sum of all premiums paid is guaranteed on maturity or on death before the maturity.
Capital Guarantee is available on both the basic premiums as well as on top-up premiums
Unique Return Shield feature to protect your returns
Choice to invest from 3 pre-packaged investment fund options
Unmatched flexibility through our ‘Exchange Option’ to move between the Reliance Life Insurance Unit Linked products offered, as you grow up the ladder
Liquidity in the form of partial withdrawals from top-up fund
Option to package with Accidental Death & Disability and Term Insurance riders

Contact:
Call 30338181 or 1800 300 08181 (toll-free)

posted by srikanth....june 26

NEW JEEVAN DHARA - I

2009-06-26T05:48:00.000-07:00

Reliance Super InvestAssure Plus Plan

2009-06-26T05:46:00.000-07:00

UNDER THIS PLAN THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

All of us are in search of a wealth creation tool. We aim to achieve just that for you.

Reliance Super InvestAssure Plus Plan, is an ultimate investment plan that offers the benefit of life insurance cover along with flexible investment options.

This regular premium unit linked insurance plan also offers additional allocation of units every year to enhance your investment. Thus you can enjoy potentially higher returns without compromising on the security of your family.

It also offers a host of additional rider benefits to provide you additional protection.

Key features –
Reliance Super InvestAssure Plus Plan
Guaranteed Addition of 2.5% of each year’s annualised premium from fourth policy year at the end of every year.
Choose any amount of sum assured desired for your life protection subject to the maximum limit.
Investment opportunity into 8 pure investment fund options
Reduce your annualised premium from 2nd year onwards on any policy anniversary, However, the reduced annualised premium up to 3rd policy anniversary shall not b less than 75% of the annulised premium during the first year. Provided that the minimum annulized premium during any policy year shall not be less than Rs. 20,000.
Reduce annual premium with proportionate reduction in the sum assured
Option to pay Top-up Premium(s)
Plan your maturity proceeds as per your financial requirement with Exchange & Settlement options

Contact:
Call 30338181 or 1800 300 08181 (toll-free)

posted by srikanth....june 26

JEEVAN AKSHAY - V

2009-06-26T05:41:00.000-07:00

Introduction:
This is an Immediate Annuity plan, which can be purchased through lump sum payment as Single Premium. The plan provides for annuity payments which are available throughout the life time of an annuitant. Various options are available for the type and mode of payment of annuities.

Options Available:
The following options are available under the plan

Type of Annuity:

Regular annuity for life.
Annuity payable for 5, 10, 15 or 20 years certain and thereafter as long as the annuitant is alive.
Annuity for life with return of purchase price on death of the annuitant.
Annuity increasing at simple rate of 3% p.a.
Annuity for life with a provision of 50% of the annuity to spouse for life on death of the annuitant.
Annuity for life with a provision of 100% of the annuity to spouse for life on death of the annuitant.
You may choose any one. Once chosen, the option cannot be altered.

Mode:

Annuity may be paid either at monthly, quarterly, half yearly or yearly intervals. You may opt any mode of payment of Annuity.
Salient features:
Premium is to be paid in a lump sum.
Minimum purchase price : Rs.50,000/= or such amount which may secure a minimum annuity of Rs.3,000/- p.a.
No medical examination is required under the plan.
No maximum limits for purchase price, annuity etc.
Minimum age 40 years last birthday, Maximum age 79 years last birthday.
Age proof necessary.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june26

Reliance Endowment Plan

2009-06-26T03:45:00.000-07:00

Welcome to Reliance Life

It takes a lot for a dream to become a reality. And money is surely an important part of it.

Reliance Endowment Plan gives you just the financial independence to realise your dreams in the future. It lets you decide how much you would like to set as your Sum Assured based on your current financial position and your expected future expenses.

So, go ahead... dream!!.

Key Features

On maturity receive Sum Assured plus bonuses
Wealth creation through bonus additions
More Value for your money by way of High Sum Assured Rebate
Choose to add the Benefit of three Riders-Reliance Term Life Insurance Benefit Rider, Reliance Critical Conditions Rider and Reliance Accidental Death and Total and Permanent Disablement Rider
Choose to avail of Policy Loan after three years

Contact:
Call 30338181 or 1800 300 08181 (toll-free)

posted by srikanth....june 26

Bajaj Allianz-HEALTH GUARD -COVERS ALL MEDICAL EXPENSES ON HOSPITALISATION

2009-06-26T03:39:00.000-07:00

It is rightly said ‘Health is Wealth’. We are all aware that health care costs are high and getting higher. At times, unfortunately we fall prey to unanticipated accidents & illness. Bajaj Allianz promises to stand by you during those difficult times of physical and mental stress. Our Health Guard policy takes care of your hospitalization expenses & also offers a wide coverage of pre & post hospitalization expenses. We are the first company to provide the higher coverage of SI 10 lacs.

Features

The member has cashless facility at over 2400 hospitals across India
The member can opt for hospitals besides the empanelled ones, in which the expenses incurred by him shall be reimbursed within 14 working days from submission of all documents.
Pre and post - hospitalization expenses covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization.
Cumulative bonus of 5 % is added to your sum assured for every claim free year.
Family discount of 10 % is applicable.
Covers ambulance charges in an emergency subject to limit of Rs. 1000 /-
No tests required up to 45 years up to SI 10 lacs*
10% co- payment applicable if treatment taken in non-network hospitals. Waiver of co-payment is available on payment of additional premium
Pre-existing diseases covered after 4 years continuous renewal with Bajaj Allianz

Contact:
1800-209-5858(Any)
1800-22-5858(BSNL)
30305858(other)

posted by srikanth....june 26

Reliance Whole Life Plan

2009-06-26T03:37:00.000-07:00

You’ve always loved your family. As a loving person you want to be rest assured that they will be happy, even if something were to happen to you. With Reliance Whole Life Plan you can be sure that your family will receive that timely financial support they need.

Go ahead, live your today to the fullest, without a worry about tomorrow.

Key Features

Insurance protection till age 85
Choice of extending your insurance coverage till age 99
Convenient Premium Payment Term
Wealth creation through bonus additions
More value for your money by way of High Sum Assured Rebate Get Sum Assured plus Bonuses in case of your unfortunate death
Option to add two Riders – Critical Illness and Accidental Death Benefit and Total and Permanent Disablement Rider
Policy Loan available after three full years premium payment

Contact:
Call 30338181 or 1800 300 08181 (toll-free)

posted by srikanth....june 26

JEEVAN NIDHI

2009-06-26T03:28:00.000-07:00

INTRODUCTION:

LIC’s JEEVAN NIDHI is a with profits Deferred Annuity (Pension) plan. On survival of the policyholder beyond term of the policy the accumulated amount (i.e. Sum Assured + Guaranteed Additions + Bonuses) is used to generate a pension (annuity) for the policyholder. The plan also provides a risk cover during the deferment period. The USP of the plan being the pension can commence at 40 years. The premiums paid are exempt under Section 80CCC of Income Tax Act.

SALIENT FEATURES

Guaranteed Additions: Guaranteed Additions @ Rs.50/- per thousand Sum assured for each completed year, for the first five years.
Participation in profits : The policy shall participate in profits of the Corporation from the 6th year onwards and shall be entitled to receive bonuses declared as per the experience of the Corporation.
Benefit On Vesting :
Option to commute up to 1/3rd of the amount available on vesting, which shall include the Sum Assured under the Basic Plan together with accrued Guaranteed Additions, simple Reversionary Bonuses and Terminal Bonus, if any.
Annuity as per the option selected: Annuity on the balance amount if commutation is exercised, otherwise annuity on the full amount.
Annuity Options:
On vesting, the annuity instalment, mode of annuity payment and type of annuity which shall be made available to the Life Assured (Annuitant) / Nominee will depend upon the then prevailing Immediate Annuity plan of the Life Insurance Corporation of India and its terms and conditions.

Currently the following options are available under LIC’s immediate annuities:

1. Annuity for life: The annuity is paid to the life assured as long as he/she is alive.

2. Annuity Guaranteed for certain periods: The annuity is paid to the life assured for periods of 5 or 10 or 15 or 20 years as chosen by him/her, whether or not he/she survives that period. After the chosen period, the annuity is paid to the life assured as long as he/she is alive.

3. Annuity with return of purchase price on death: The annuity is paid to the life assured as long as he/she is alive. On the death of the life assured, the purchase price of the annuity is paid as death benefit. The purchase price includes the Sum Assured under the Basic Plan, the accrued Guaranteed Additions and any accrued bonuses, excluding the commuted value, if any.

4. Increasing annuity: The annuity is paid to the life assured as long as he/she is alive. The amount of annuity increases every year at a simple rate of 3% per annum.

5. Joint Life Last Survivor Annuity: The annuity is paid to the life assured as long as he/she is alive. On death of the life assured, 50% of the annuity is payable to the nominated spouse as long as the spouse is alive.

Death Benefit on death before annuity vests: On the death of the Life Assured during the deferment period of the policy, i.e. before the annuity vests, an amount equal to the Sum Assured under the Basic plan along with the accrued Guaranteed Additions, simple Reversionary Bonuses and Terminal Bonus, if any, will be paid in a lump sum to the appointed nominee, provided the policy is in force for full Sum Assured. Nominee will also have the option to purchase an annuity with this amount.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june26

Modeling Courses

2009-06-25T22:52:00.000-07:00

Offers a Professional Career Oriented Courses in modeling

for more detials plez contact : 9885527474

Wanted Photographers

2009-06-25T02:16:00.000-07:00

Wanted pohotgraphers immediately

for more details plez contact: 929075579

posted by wajahat

Children's Endowment to 18 (Par) Plan

2009-06-24T09:37:00.000-07:00

Plan Overview

Life has innumerable surprises stored for us. Parenthood is wonderful and it is one such stage, when you experience various emotions you never thought you had. But parenthood also brings its own set of apprehensions and worries. What will your child grow up to be in the future? Will his/her future be as secure as you want it to be? Or more importantly what can you do to make sure his/her future is hassle-free and secure? So, planning ahead for your child’s future needs such as higher education is extremely important and ensuring that you have the ability to fulfill those needs is even more critical.
Max New York Life presents Children's Endowment Participating Insurance to age 18 with an option to buy a permanent life insurance policy without medical underwriting (irrespective of his/her health at that time). This policy which is especially designed to enable you to provide for higher education of your child and take care of your child’s future needs in case of spiraling costs.

Call Customer Service
1800-200-5577
1800-180-5577

www.maxneyorklife.com

posted by srikanth....june 24

JEEVAN MITRA (DOUBLE COVER)

2009-06-24T09:36:00.000-07:00

Suitability

Persons desirous of making provision for their dependants during their earning period may opt for this policy. For a very low additional cost, sufficient family benefit is secured.
For example, for a person aged 30 selecting a 20 year insurance policy :
A person choosing Endowment Assurance has to pay 51.50 per 1000 per annum
A person choosing Jeevan Mitra - double cover has to pay 55.20 per 1000 per annum
Salient Features

Sum assured is payable if the life assured survives the selected term, while double the sum assured is paid in the event of life assured dying within the term
Bonus is payable on the date of maturity or in the event of death, whichever is earlier
Premium payment ceases on death or on expiry of term whichever is earlier
Accident benefit is available with this plan
Benefits

On Survival

Basic sum assured + vested bonus is given to the life assured
On Death

Double the sum assured is given to the nominee of the life assured in the event of death happening within the term + vested bonus
Other Conditions

Policies are issued only with terms from 15 to 30 years
Ages between 18 and 50 years only will be considered
Maximum premium ceasing age : 70 years
Minimum sum assured Rs 30,000
Minimum premium must be Rs.800 per annum
People following hazardous occupations are not eligible
Accident benefit can be availed of for basic policy
Bonus calculated on basic insurance

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

NEW JANARAKSHA

2009-06-24T09:33:00.000-07:00

Suitability

This plan is similar to an Endowment Assurance plan except that it has a special additional feature of a 3 year free risk coverage, even if premiums are defaulted. It also comes with a built-in accident benefit.
This policy is most suitable for persons who are not sure of a regular income every year and who expect their income position to improve after a short while. For example, farmers who experience crop failure at intervals would find this plan beneficial.
The additional premium payable when compared to an ordinary Endowment Assurance plan is marginal. For example, under an Ordinary Endowment Assurance plan, for Age 30 and a term of 25 years, per Rs 1000 sum assured, the premium payable is 42.05 (inclusive of accident benefit). For the New Jana Raksha plan, premium for the same policy is Rs 42.90 i.e. only Rs. 0.85 more, for the additional benefits.
Salient Features

Sum assured is payable either on survival to the term or on death happening within the term.
If two years premiums are paid under the policy, the policy will automatically extend for 3 more years even if further premiums are defaulted. This facility is available for any number of times.
Built in accident benefit.
Bonus for the full term is payable on the date of maturity or in the event of death, whichever is earlier.
Premiums cease at death or on expiry of term whichever is earlier.
Benefits

On Survival

Basic Sum Assured + vested bonus under the With-profit plan
On Death:

Basic Sum Assured + vested bonus under the With-profit plan
Additional Benefits

If 2 years premiums are paid under the policy, the policy is continued uninterrupted for 3 years even if premiums are defaulted. This facility is available for any number of times. The life assured can pay the defaulted instalments within three years with interest and thus get the cover extended. No evidence of health needs to be produced. The policy also comes with a built-in accident benefit.
Other Conditions

Minimum Sum Assured : Rs.30,000
Maximum Sum Assured : Rs.5,00,000
Minimum premium must be Rs.800 per annum
Maximum term : 30 yrs
Minimum age at entry : 18 yrs
Maximum age at entry : 50 yrs

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

Endowment to Age 60 (Par) Plan

2009-06-24T09:32:00.000-07:00

Plan Overview

There comes an age in life, when all one needs is peace of mind and security after retirement, then your sources of income reduce but your expenses don't. From medical costs to children's marriage expenses, all seems to touch the sky. So it makes great sense to plan well in advance for a secured life after retirement.

Max New York Life's Endowment to age 60 Participating Insurance is a policy that helps you to save primarily for your retired life. It will mature on thepolicy anniversary after your 60th birthday, and enables you to use the maturity proceeds in many ways such as, purchase a pension from any life insurance company, purchase that house in your hometown where you want to lead your retired life or pay for your child's higher education or marriage. This plan also provides you with an insurance cover to protect your family from financial uncertainties in case of your untimely death before reaching age 60. Till age 60, this policy also builds cash value, and is eligible for bonuses. You may use the cash value and/or the bonuses to fund any unforeseen needs either by surrendering accumulated PUAs or taking a loan.

Call Customer Service
1800-200-5577
1800-180-5577

www.maxneyorklife.com

posted by srikanth....june 24

MORTGAGE REDEMPTION

2009-06-24T09:28:00.000-07:00

The Mortgage Redemption Assurance policy (without profits) plan is designed to meet the requirements of the policy holding individual who seeks to ensure that all his outstanding loans and debts are automatically paid up in the event of his demise.

Under the Mortgage Redemption Assurance policy (without profits)

The proponent will have to bear the cost of the mandatory medical examination.

The policies are usually issued only to male lives aged 50 years or lesser.

The policies are subject to a condition that the insurance cover would not extend beyond 65 years. All loans must be liquidated by the time the borrower attains the age of 65.

The policies bear no surrender value.

Suitable For: Middle-aged to elderly professionals whose dependents might need assistance in clearing their debts in case of their unexpected demise are most suited for the Mortgage Redemption Assurance policy.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

JEEVAN AASTHA

2009-06-24T09:27:00.000-07:00

Features:

LIC’s Jeevan Aastha is a single premium assurance plan which offers guaranteed benefits on death and maturity. The Plan is close ended and would be available for a maximum period of 45 days from the date of its launch i.e. 08.12.2008.

1.Eligibility conditions and othe restrictions

Minimum Entry Age : 13 years (completed)

Maximum Entry Age : 60 years (nearest birthday)

Minimum Basic Sum Assured: Rs.150,000

Maximum Basic Sum Assured: No Limit
The basic sum assured shall be available in multiples of Rs. 30,000.

Policy Term : 5 or 10 years

Premium payment mode : Single premium only

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

Max Newyork Life 20 year Endowment (Par) Plan

2009-06-24T09:23:00.001-07:00

Plan Overview

Whether it's your child's marriage, their higher education, buy a home for your family, pay off a housing loan or create a fund for your retirement, Max New York Life's 20 year endowment plan is always there to provide you financial support. It is a perfect money-saver solution. On its maturity at the end of 20 years, this Policy not only gives you a guaranteed sum but also any bonus it accumulates. In case of unfortunate death, this plan also provides sum assured plus additional insurance coverage purchased from bonuses for first 5 years and then doubles the same afterwards.

You can also customize your policy to meet your specific needs. We offer you the flexibility to enhance the value of your policy by using various rider options available. In addition, you are also eligible for bonuses and terminal illness benefits, where you can use 50% of your sum assured at the time of your treatment and the balance of the sum assured will be payable to your family on the occurrence of the insured event. Under this policy, you can access any cash surrender value that accumulates in the policy, in case you have any unforeseen expenses during the policy term.

Call Customer Service
1800-200-5577
1800-180-5577

www.maxneyorklife.com

posted by srikanth....june 24

JEEVAN MADHUR

2009-06-24T09:20:00.000-07:00

Introduction:

It is a simple savings related life insurance plan where you may pay premiums regularly
at weekly, fortnightly, monthly, quarterly, half-yearly or yearly intervals over the term
of the policy.

Benefits

Maturity Benefit: On your surviving to the date of maturity, payment of the Maturity Sum Assured along with vested bonuses, if any.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

NEW BIMA GOLD

2009-06-24T08:30:00.000-07:00

Features

It is a plan where premiums paid over the term of plan are paid back during the policy term in instalments and life insurance cover is available not only during the term but also during the extended term of the plan.

Benefits

Survival Benefit:

Payable in case of life assured surviving to the end of the specified durations provided the policy is in full force as given below:

For policy term 12 years:
15% of the Sum Assured under Basic Plan at the end of each 4th & 8th policy year

For policy term 16 years:
15% of the Sum Assured under Basic Plan at the end of each 4th, 8th &12th policy year

For policy term 20 years:
10% of the Sum Assured under Basic Plan at the end of each 4th, 8th, 12th & 16th policy year

On expiry of policy term:
Total amount of premiums (excluding extra/optional rider premiums, if any) paid plus Loyalty Additions, if any, less the amount of survival benefits paid earlier.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

JEEVAN SARAL

2009-06-24T04:39:00.000-07:00

LIC’s Jeevan Saral brings you

Higher cover

Smooth return

Liquidity and

Considerable flexibility
SPECIAL FEATURES :

Under this plan death cover will be same irrespective of age at entry and term. The sum payable at maturity however differs for different entry ages and terms. This plan is very appropriate for employees seeking life cover through Salary Savings Schemes.

BENEFITS :
On death:

250 times the monthly premium, plus return of premiums excluding extra/rider premium and first year premium, plus the loyalty addition, if any.
On Maturity:

Maturity sum assured, plus Loyalty additions, if any.

Guaranteed Surrender Value (GSV):

The GSV will be equal to the 30% of the total amount of premiums paid excluding the premiums for the first year and all the extra premiums and premium for accident benefit / term riders.

Special Surrender Value (SSV):

The special surrender value under the policy shall be paid as the sum of (a) and (b) given as under:

a) Discounted value or accumulated value, as the case may be, of the following:
80% Of maturity sum assured if less than 4 years premiums have been paid, 90% of the maturity sum assured, if 4 or more years but less than 5 years premiums have been paid and 100% of the maturity sum assured, if 5 or more years premiums have been paid. The maturity sum assured for this para will be the maturity sum assured corresponding to the term for which premiums have been paid under the policy. If the premiums have been paid for a fraction of a year, the maturity sum assured shall be worked out by way of mathematical interpolation.

The above amount shall be discounted from the due date of the next instalment premium to the date of surrender if the duration elapsed from the date of commencement of the policy to the date of surrender is less than the term for which the premiums have been paid. If the duration elapsed from the date of commencement to the date of surrender is greater or equal to the term for which premiums have been paid then the above amount shall be accumulated with interest for the period from the due date of the first unpaid premium to the date of surrender.

The period for which the amount is to be discounted or accumulated shall be taken in complete months and fraction of a month will be ignored. The rate of interest to be used for discounting or accumulating, as the case may be, will be announced by the Corporation at the start of every financial year.

b) The loyalty additions, if any, as announced while declaring the results of the Corporation’s valuation as at 31st March, immediately preceding the date of surrender.

PAID UP VALUE:

If after at least 3 full year’s premiums have been paid, and any subsequent premium is not duly paid, the policy shall not be wholly void, but shall subsist as a paid-up policy for a reduced sum. The benefit payable on death/maturity under such policies would depend on the number of years for which premiums have been paid and shall be the greater of:
- a sum that bears the same ratio to the full maturity sum assured as the number of premiums actually paid shall bear to the total number originally stipulated in the policy
OR
- the surrender value as per para 4 above assuming that the policy has been surrendered on the date of death / maturity, as the case may be.

OPTIONS:

The plan offers following optional riders by payment of additional premium:

Accidental death and disability benefit

Term Assurance benefit.
The maximum cover for the above riders will be Rs.25 lakhs under all policies of the Corporation taken together.

ACCIDENTAL DEATH AND DISABILITY BENEFIT:

On death arising as a result of accident an additional amount equal to the Accident Benefit Sum Assured is payable.

n total and permanent disability arising due to accident(within 180 days from the date of accident) this amount will be paid over a period of 10 years in monthly instalments.

The disability due to accident should be total and such that the Life Assured is unable to carry out any work to earn the living. The following disabilities due to accidents are covered-

Irrevocable loss of the entire sight of both eyes or

Amputation of both hands at or above the wrists or

Amputation of both feet at or above ankles, or

Amputation of one hand at or above the wrist and one foot at or above the ankle,

No benefit will be paid in case of accidental death or disability due to accident in case of intentional self injury, attempted suicide, insanity or immorality or if the Life Assured was under influence of intoxicating liquor, drug or narcotic, at the time of accident.

Engagement in aviation or aeronautics other than that of a passenger in any air craft.

Injuries resulting from riots, civil commotion, rebellion, war, invasion, hunting, mountaineering, steeple chasing or racing of any kind.

Accident resulting from committing any breach of law.

Accident arising from employment in armed forces or military services or police organisation.
TERM ASSURANCE RIDER

An amount equal to Term Assurance Sum Assured will be payable on death of the life assured during the policy term.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

JEEVAN PRAMUKH

2009-06-24T02:14:00.000-07:00

In every organization, there are a few key people who play a vital role in its working and profitability. Losing these key employees could have an impact on the future and profits of the organization. LIC’s JEEVAN PRAMUKH, is a Keyman Insurance Plan which would provide the much needed protection to your Company against such unfortunate loss.

BENEFITS:

Guaranteed Additions: Guaranteed Additions @ Rs.50%o Sum Assured for each completed year, for the first five years.

Participation in profits : The policy shall participate in profits of the Corporation from the 6th year onwards and shall be entitled to receive bonuses declared as per the experience of the Corporation.

Maturity Benefit: Sum Assured together with accrued Guaranteed Additions and accrued simple reversionary bonuses and Final Additional Bonus, if any, will be paid to the Policyholder on surviving the term of the policy provided the policy is in full force for full sum assured.

Death Benefit: On death of the Life Assured during the term of the policy an amount equal to the Sum Assured along with accrued Guaranteed Additions and accrued Simple Reversionary Bonuses and Final Additional Bonus, if any, will be paid provided the policy is in full force for full sum assured.

Grace Period

A grace period of 30 days will be available for payment of yearly, half-yearly or quarterly premiums and 15 days for monthly premiums.

15 – days Cooling-off period

If you are not satisfied with the “Terms and Conditions” of the policy you may return the policy to us within 15 days.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

Bajaj Allianz Swayam Shakti Suraksha

2009-06-24T02:12:00.000-07:00

The Bajaj Allianz Swayam Shakti Suraksha Plan comes with a host of features that allow your members to have the best of all worlds –Protection and Investment with flexibility like never before.

for further details:
www.bajajallianzlife.co.in

posted by srikanth......june 24

NEW JEEVAN SHREE I

2009-06-24T02:11:00.000-07:00

Suitability

Here’s an exclusive policy for people with an exclusive lifestyle. Whether you’re a professional, industrialist, estate owner, NRI, film star, a keyman in an enterprise or an individual successful in your own area of work. This is a policy that offers insurance protection match your profile.

Salient Features

Life insurance cover continues for a longer term even after premium paying term
Apart from the basic Sum Assured payable at maturity or death, the policy also provides for a guaranteed addition at the rate of Rs.50/- per thousand Sum Assured per year for first 5 years and reversionary bonus thereafter.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

Bajaj Allianz Future Income Generator

2009-06-24T02:09:00.001-07:00

Future Income Generator - Retirement plans

We at Bajaj Allianz Life Insurance, help you maintain your lifestyle even after you retire. Your saving today becomes your wealth and support to help secure your future.

Retirement and Pension plans suit various needs

An alternative to super-annuation’s and provident fund.

Employers do not promise a lifetime pension and everyone does not have a government job. Our flexible retirement plans, help you maintain your lifestyle and create a monthly income that will last you a lifetime.

Smart saving: When we ask you to save a regular amount, we intend to secure your future. We at Bajaj Allianz Life Insurance will make sure that you retire you have all the means to enjoy it.

Financial independence from work, so you don’t have to worry about income after you retire.

Specialised retirement solutions for housewives, so that, they become financially independent.

Wealth creation, smart savings and peace of mind along with a corpus, which secures your life, post retirement is what our Future Income Generator - Retirement plans are all about.

Our Future Income Generator - Retirement plans offer flexibility like never before

An option to avail upto 1/3rd of the Fund Value as tax-free lump sum.

Open market option to purchase an immediate annuity from Bajaj Allianz or any other life insurer as recognised by IRDA.

for further details ;
www.bajajallianzlife.co.in

posted by srikanth...june 24

KOMAL JEEVAN

2009-06-24T02:07:00.001-07:00

Suitability

This policy is suitable for parents who wish to provide for the children’s education expenses. It can be availed by parents having children aged between 0 to 10 years.

Salient Features

Parents can propose the child's life.
It is money back plan wherein survival benefits are paid at regular intervals after the child attains the age of 18 years.
Guaranteed additions @ Rs.75 per Rs.1000 sum assured are payable under the policy. This additions are payable either on death within the term(after commencement of risk) or on child attaining he age of 26 years.
Loyalty additions are paid either on death or on maturity depending on the performance of the company.
Risk commences after 2 years from the date of commencement of policy or on policy anniversary following completion of 7 years by the child, whichever is later.
Policy vests on life assured on the policy anniversary or the child attaining the age of 18 years.
On vesting the life assured is the absolute owner of the policy and the proposer ceases to have any interest in the policy.
Premiums cease on the policy anniversary immediately after the child /life assured attains age 18.
Premiums are payable upto a term equal to 18 minus the age of the child at entry.
Premium waiver benefit can be availed by proposer by paying additional premium wherein premiums under the policy stand waived on death of the proposer within the term.
Proposer can avail insurance cover to the extent of 20% of basic sum assured subject to a maximum of Rs.100,000 by paying additional premium. Father is the proposer. The child's mother, if she has an income of her own, can also propose the policy. If both parents are not alive legal guardian can propose.
Policy can be gifted by grand parents, elder sisters and brothers, uncles by taking a single premium plan.

Benefits

Sum assured is paid in instalments at periodic intervals.
20% on policy anniversary after completing age 18.
20% on policy anniversary after completing age 20.
30% on policy anniversary after completing age 22.
30% on policy anniversary after completing age 24.
Guaranteed additions :
Payable along with sum assured either on death within the term or on policy anniversary after attaining age 26 years. The policy has to be kept in full force at Rs.75 per thousand for each policy year to receive this benefit.

Death Benefits

In case of death of life assured before the commencement of risk, the policy is cancelled and premiums paid are refunded.
After the commencement of risk, if the life assured dies before policy matures, full sum assured plus guaranteed additions are payable without deduction of earlier installment benefits paid.
Special benefit in maturity: Loyalty additions depending on policy duration and sum assured are paid on maturity.

Other Conditions

Children (both boys and girls ) up to 10 years of age only are eligible.
Maturity Age: 26 Years
Minimum sum assured Rs.1 lakh. Maximum sum assured Rs.25 lakhs.

Exclusions

Suicide: This policy shall be void if the Life Assured commits suicide at any time on or after the date on which the risk on the policy has commenced but before the expiry of one year from the date of the policy. In case of death due to suicide during this period, the Corporation will not entertain any claim by virtue of this policy except to the extend of a third party's bona fide beneficial interest acquired in the policy for valuable consideration of which notice has been given in writing to the office to which premiums under this policy were paid, at least one calendar month prior to death.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

Bajaj Allianz Miss Confident Plans

2009-06-24T02:04:00.000-07:00

A woman today has many roles to fulfill. To emerge truly confident in each of them she needs to feel secure and independent in each of them.
We at Bajaj Allianz recognize this need and have designed a bouquet of plans especially for today’s women.
These plans span from childhood to old age, helping a woman realize her dreams and fulfill her responsibilities right through the journey of life.

for further details contact:
www.bajajallianzlife.co.in

posted by srikanth...june 24

MONEY BACK POLICY

2009-06-24T02:02:00.000-07:00

Suitability

This plan is suitable for people who require lump sum amounts in future to meet specific expenses such as children's education or marriage. At the same time, the policy provides insurance protection for the family as well as old age provision
Salient Features

A policy where lump sum amounts are paid to the life assured at periodic intervals on survival
In case of death of the life assured within the term, the total sum insured is paid to the nominee, irrespective of earlier survival benefits
Bonus is payable under this scheme
Premiums are to be paid regularly to get survival benefits
Premiums cease at death or on expiry of term whichever is earlier
This plan can be availed of for terms 20 or 25 years

Other Conditions
Minimum amount of Sum Insured - Rs. 40,000
Minimum premium must be Rs.800 per annum
Minimum age at entry-13 years
Maximum age at entry :
20 year policy - 50 years
25 year policy - 45 years
Bonus additions to the policy are calculated for full sum assured. They are payable only along with final maturity benefit on date of maturity or on death, whichever is earlier
Loans will be granted under these policies

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

FORTUNE PLUS

2009-06-24T02:00:00.001-07:00

FEATURES:
It is a unit linked assurance plan where premium payment term (PPT) is 5 years and the premium payable in the first year will be 50% of total premium payable under the policy. The level of cover will depend on the level of premium you agree to pay.

Four types of investment funds are offered. Premiums paid after allocation charge will purchase units of the Fund type chosen. The Unit Fund is subject to various charges and value of the units may increase or decrease, depending on the Net Asset Value (NAV). The plan therefore serves the purpose of insurance-cum-investment.

1. Payment of Premiums: You may pay premiums regularly at yearly, half-yearly, quarterly or monthly (ECS) intervals for 5 years. The minimum First year premium will be Rs.20,000/- and you may pay any amount exceeding it. From second year onwards each year’s premium will be 25% of the first year premium.

9. Other Features:
i) Partial Withdrawals: You may encash the units partially after the third policy anniversary subject to the following:

i) In case of minors, partial withdrawals shall be allowed from the policy anniversary coinciding with or next following the date on which the life assured attains majority (i.e. on or after18th birthday).

ii) Partial withdrawals may be in the form of fixed amount or in the form of fixed number of units.

iii) For 2 years’ period from the date of withdrawal, the Sum Assured under the Basic plan shall be reduced to the extent of the amount of partial withdrawals made.

iv) Under policies where less than 3 years’ premiums have been paid and further premiums are not paid, the partial withdrawals shall not be allowed.

v) Under policies where atleast 3 years’ premiums have been paid, partial withdrawal will be allowed subject to Policyholder’s Fund Value being atleast Rs. 10,000/-.

ii) Switching: You can switch between any fund types for the entire Fund Value during the policy term subject to switching charges, if any.

iii) Discontinuance of premiums: If premiums are payable either yearly, half-yearly, quarterly or monthly (ECS) and the same have not been duly paid within the days of grace under the Policy, the Policy will lapse. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium.

I) Where atleast 3 years’ premiums have been paid, the Life Cover and Accident Benefit rider, if any, shall continue during the revival period.

During this period, the charges for Mortality and Accident Benefit cover, if any, shall be taken, in addition to other charges, by cancelling an appropriate number of units out of the Policyholder’s Fund Value every month. This will continue to provide relevant risk covers for:

i. two years from the due date of first unpaid premium, or

ii. till the date of maturity, or

iii. till such period that the Policyholder’s Fund Value reduces to Rs. 5,000/-,
whichever is earlier.

The benefits payable under the policy in different contingencies during this period shall be as under:

A. In case of Death: Higher of Sum Assured under the Basic Plan or the Policyholder’s Fund Value. The Sum Assured shall be subject to provisions of Partial Withdrawals made, if any.

B. In case of Death due to accident: Accident Benefit Sum Assured in addition to the amount under A above, if Accident Benefit is opted for.

C. On Maturity: The Policyholder’s Fund Value.

D. In case of Surrender (including Compulsory Surrender): The Policyholder’s Fund Value. The Surrender value, however, shall be paid only after the completion of 3 policy years.

E. In case of Partial Withdrawals: For 2 years period from the date of withdrawal, the sum assured under the basic plan shall be reduced to the extent of the amount of partial withdrawals made.

II) Where the policy lapses without payment of at least 3 years’ premiums, the Life Cover and Accident Benefit rider cover, if any, shall cease and no charges for these benefits shall be deducted. However, deduction of all the other charges shall continue. The benefits under such a lapsed policy shall be payable as under:

F. In case of Death: The Policyholder’s Fund Value.

G. In case of death due to accident: Only, the amount as under F above.

H. In case of Surrender (including Compulsory Surrender): Policyholder’s Fund Value / monetary value as the case may be, shall be payable after the completion of the third policy anniversary. No amount shall be payable within 3 years from the date of commencement of policy.

I. In case of Partial withdrawal: Partial Withdrawals shall not be allowed under such a policy even after completion of 3 years period.

iv) Revival: If due premium is not paid within the days of grace, the policy lapses. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium or before maturity, whichever is earlier. The period during which the policy can be revived will be called “Period of revival” or “revival period”.

If premiums have not been paid for at least 3 full years, the policy may be revived within two years from the due date of first unpaid premium. The revival shall be made on submission of proof of continued insurability to the satisfaction of the Corporation and the payment of all the arrears of premium without interest.

If atleast 3 full years’ premiums have been paid and subsequent premiums are not paid, the policy may be revived within two years from the due date of first unpaid premium but before the date of maturity. No proof of continued insurability shall be required but all arrears of premium without interest shall be required to be paid.

The Corporation reserves the right to accept the revival at its own terms or decline the revival of a lapsed policy. The revival of a lapsed policy shall take effect only after the same is approved by the Corporation and is specifically communicated in writing to the Proposer / Life Assured.

Irrespective of what is stated above, if less than 3 years’ premiums have been paid and the Policyholder’s Fund Value is not sufficient to recover the charges, the policy shall be terminated and thereafter revival will not be entertained. If 3 years’ or more than 3 years’ premiums have been paid and the Policyholder’s Fund Value reduces to Rs. 5000/-, the policy shall terminate and Policyholder’s Fund Value as on such date shall be refunded to the Life Assured and thereafter revival will not be allowed.

v) Settlement Option: When the policy comes for maturity, you may exercise “Settlement Option” and may receive the policy money in instalments spread over a period of not more than five years from the date of maturity. There shall not be any life cover during this period. The value of installment payable on the date specified shall be subject to investment risk i.e. the NAV may go up or down depending upon the performance of the fund.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

PROFIT PLUS

2009-06-24T01:57:00.000-07:00

FEATURES:

It is a unit linked Endowment plan where the premium payment term (PPT) is limited to single lump sum, or uniformly over 3, 4 or 5 years. You can choose the level of cover within the limits, which will depend on whether the policy is a Single premium or Limited premium contract, term chosen and on the level of premium you agree to pay.

Four types of investment Funds are offered. Premiums paid after allocation charge will purchase units of the Fund type chosen. The Unit Fund is subject to various charges and value of units may increase or decrease, depending on the Net Asset Value (NAV).

1.Payment of Premiums:
You may pay premiums regularly at yearly, half-yearly, quarterly or monthly (ECS) intervals over the premium paying term of 3, 4 or 5 years. The minimum premium will be Rs.10000/-. Alternatively, a Single premium can be paid subject to a minimum of Rs.20,000/- .

Other Features:

i) Partial Withdrawals: You may encash the units partially after the third policy anniversary subject to the following:

i) In case of minors, partial withdrawals shall be allowed from the policy anniversary coinciding with or next following the date on which the life assured attains majority (i.e. on or after 18th birthday).

ii) Partial withdrawals may be in the form of fixed amount or in the form of fixed number of units.

iii) For 2 years’ period from the date of withdrawal, the Sum Assured under the Basic plan shall be reduced to the extent of the amount of partial withdrawals made.

iv) Under Limited Premium Paying Term policies where less than 3 years’ premiums have been paid and further premiums are not paid, the partial withdrawals shall not be allowed.

v) Under Limited Premium Paying Term policies where atleast 3 years’ premiums have been paid, partial withdrawal will be allowed subject to Policyholder’s Fund Value being at least Rs. 10000/-.

vi) Under Single Premium policies, the partial withdrawal will be allowed subject to a minimum balance of Rs. 5000/- in the Policyholder’s Fund Value.

ii) Switching: You can switch between any fund types for the entire Fund Value during the policy term subject to switching charges, if any.

iii) Discontinuance of premiums: If premiums are payable either yearly, half-yearly, quarterly or monthly (ECS) and the same have not been duly paid within the days of grace under the Policy, the Policy will lapse. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium.

I Where atleast 3 years’ premiums have been paid, the Life Cover, Accident Benefit and Critical Illness Benefit riders, if any, shall continue during the revival period.

During this period, the charges for Mortality, Accident Benefit and / or Critical Illness Benefit cover, if any, shall be taken, in addition to other charges, by cancelling an appropriate number of units out of the Policyholder’s Fund Value every month. This will continue to provide relevant risk covers for:

i. two years from the due date of first unpaid premium, or
ii. till the date of maturity, or
iii. till such period that the Policyholder’s Fund Value reduces to Rs. 5,000/-, whichever is earlier.

The benefits payable under the policy in different contingencies during this period shall be as under:

A. In case of Death: Higher of Sum Assured under the Basic Plan or the Policyholder’s Fund Value. The Sum Assured shall be subject to provisions of Partial Withdrawals made, if any.

B. In case of Death due to accident: Accident Benefit Sum Assured in addition to the amount under A above, if Accident Benefit is opted for.

C. In case of Critical Illness claim: Critical Illness Rider Sum Assured, if opted for.

D. On maturity: The Policyholder’s Fund Value.

E. In case of Surrender (including Compulsory Surrender): The Policyholder’s Fund Value. The Surrender value, however, shall be paid only after the completion of 3 policy years.

F. In case of Partial Withdrawals: For 2 years period from the date of withdrawal, the sum assured under the basic plan shall be reduced to the extent of the amount of partial withdrawals made.

II Where the policy lapses without payment of at least 3 years’ premiums, the Life Cover, Accident Benefit and/or Critical Illness Benefit rider covers, if any, shall cease and no charges for these benefits shall be deducted. However, deduction of all the other charges shall continue. The benefits under such a lapsed policy shall be payable as under:

G. In case of Death: The Policyholder’s Fund Value.

H. In case of death due to accident: Only, the amount as under G above.

I. In case of Critical Illness claim: Nil.

J. In case of Surrender (including Compulsory Surrender): Policyholder’s Fund Value / monetary value as the case may be, shall be payable after the completion of the third policy anniversary. No amount shall be payable within 3 years from the date of commencement of policy.

K. In case of Partial withdrawal: Partial Withdrawals shall not be allowed under such a policy even after completion of 3 years period.

iv) Revival: If due premium is not paid within the days of grace, the policy lapses. A lapsed policy can be revived during the period of two years from the due date of first unpaid premium or before maturity, whichever is earlier. The period during which the policy can be revived will be called “Period of revival” or “revival period”.

If premiums have not been paid for at least 3 full years, the policy may be revived within two years from the due date of first unpaid premium. The revival shall be made on submission of proof of continued insurability to the satisfaction of the Corporation and the payment of all the arrears of premium without interest.

If atleast 3 full years’ premiums have been paid and subsequent premiums are not paid, the policy may be revived within two years from the due date of first unpaid premium but before the date of maturity. No proof of continued insurability shall be required but all arrears of premium without interest shall be required to be paid.

The Corporation reserves the right to accept the revival at its own terms or decline the revival of a lapsed policy. The revival of a lapsed policy shall take effect only after the same is approved by the Corporation and is specifically communicated in writing to the Proposer / Life Assured.

Irrespective of what is stated above, if less than 3 years’ premiums have been paid and the Policyholder’s Fund Value is not sufficient to recover the charges, the policy shall be terminated and thereafter revival will not be entertained. If 3 years’ or more than 3 years’ premiums have been paid and the Policyholder’s Fund Value reduces to Rs. 5000/-, the policy shall terminate and Policyholder’s Fund Value as on such date shall be refunded to the Life Assured and thereafter revival will not be allowed.

v) Settlement Option: When the policy comes for maturity, you may exercise “Settlement Option” and may receive the policy money in instalments spread over a period of not more than five years from the date of maturity. There shall not be any life cover during this period. The value of installment payable on the date specified shall be subject to investment risk i.e. the NAV may go up or down depending upon the performance of the fund.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

MARKET PLUS

2009-06-24T01:45:00.000-07:00

This is a unit linked deferred pension plan. You can take the plan with or without risk cover. You can also choose the level of cover within the limits, which will depend on whether the policy is a Single premium or Regular premium contract and on the level of premium you agree to pay.

The allocated premiums will be applied to purchase units as per the Fund type chosen. Your Unit Account will be subject to deduction of charges as specified in the Policy Conditions. The value of the units in the Unit Fund may increase or decrease, depending on the investment return of the assets representing the chosen Fund.

Payment of Premiums: You may pay premiums regularly at yearly, half-yearly or quarterly intervals over the term of the policy. The minimum annual premium will be Rs.5,000/- increasing thereafter in multiples of Rs.1,000/-. Alternatively, a Single premium can be paid subject to a minimum of Rs.10,000 and thereafter in multiples of Rs.1,000.

Benefits:

A) Death Benefit:

If the Life cover is opted for, the Sum Assured under the Basic Plan together with the Fund Value of units either as a lump sum or as pension. In case the policy is taken without life cover, then the Fund Value of the units held in the Policyholder’s Unit Account shall be payable either as a lump sum or as a pension.

The amount of pension will depend on the then prevailing immediate annuity rates under the annuity option chosen.

B) Benefit on Vesting:

On your surviving to the date of vesting, the Fund Value of the units held in your Unit Account will compulsorily be utilised to provide a pension based on the then prevailing immediate annuity rates under the relevant annuity option. However, you may opt to commute up to one-third of the Benefit to be paid as a lump sum. Further, you may choose to purchase pension from LIC or other life insurance company.

Accident Benefit Option: If you have opted for life cover, you may opt for Accident Benefit equal to life cover subject to minimum Rs. 25,000 and maximum Rs. 50 lakh (taken all policies with LIC of India and other insurers). In case of death by Accident, an additional sum equal to Accident benefit will be payable.

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june24

U I I C Mediclaim Policy

2009-06-22T08:19:00.000-07:00

Benefits Coverage Term
JPA Rs. 200000 PA for Card Holder
Rs. 100000 JPA for Nominee 2 Years
Mediclaim Discount Limit Maximum 100000 per Dependent for 5 Additional Dependent Members. Approx 30% Discount on Regular Premium 2 Years

contact
E.Bhasker Goud
9394720404
Vamshi
9603912921

posted by srikanth.. june 22

Max Life Partner Plus

2009-06-22T08:17:00.000-07:00

Minimum Entry Age 91 days
Maximum Entry Age 50 Years last birthday
Policy Term 10/20 Yrs

Premium Paying Term 10/20 Yrs
Maximum Maturity Age 75 years
Minimum Sum Assured Rs. 50000
Maximum Sum Assured No Limit,
Subject to medical & financial underwriting
Non med limits: Rs. 1000000/- Age 91 days -40
Rs. 500000/- Age 41-50
Mode of Premium Annual
Policy Loan Not Available
Surrender Value Yes (after 3 policy years) at least equal to 30% of all premium paid excluding the first year's premium.

Non Forfeiture Option Reduced Paid Up
Common Contract Provision 15 Days free look Period
Exclusion Suicide in Year 1

Contact
E.Bhasker Goud
9394720404
Vamshi
9603912921

posted by srikanth..june 22

Max Vrikhsa Policy

2009-06-22T08:14:00.000-07:00

Minimum Entry Age 18 Years last birthday
Maximum Entry Age 50 Years last birthday
Policy Term 16 Years

Premium Paying Term 12 Years
6/12 Yrs for 15 Term
Maximum Maturity Age 66 years
Minimum Sum Assured Rs. 50000
Maximum Sum Assured Rs. 250000
Mode of Premium Annual
Policy Loan Not Available
Surrender Value Yes (after 3 policy years) at least equal to 30% of all premium paid excluding the first year's premium.

Non Forfeiture Option Reduced Paid Up
Common Contract Provision 15 Days free look Period
Exclusion Suicide in Year 1

Contach.
E.Bhasker Goud
9394720404
Vamshi
9603912921

posted by srikanth...june 22

Max Mangal Policy

2009-06-22T08:10:00.000-07:00

Minimum Entry Age 18 Years last birthday
Maximum Entry Age 50 Years last birthday
Policy Term 12/15 Years
Premium Paying Term 6 years for 12 Term
6/12 Yrs for 15 Term
Maximum Maturity Age for 12 term 62 years
for 15 term 65 years
Minimum Sum Assured Rs. 50000
Maximum Sum Assured Rs. 200000
Mode of Premium Annual
Policy Loan Available
Surrender Value Yes (after 3 policy years) at least equal to 30% of all = premium paid excluding the first year's premium.

Non Forfeiture Option Reduced Paid Up
Common Contract Provision 15 Days free look Period
Exclusion Suicide in Year 1

For further details Contact:
E.Bhasker Goud
9394720404
Vamshi
9603912921

posted by srikanth....june 22

CHILDREN DREAM PLAN

2009-06-22T08:04:00.000-07:00

Birla Sunlife Offers Future Plan for Ur Children

Guranteed Maturity Benefit Plan
Guranteed Maturity Benefit Plan + Sum Assured In Case
of Death of the Parent
Minimum Age of Entry [ Parent ] - 18 Years
Maximum Age of Entry [ Parent ] - 60 Years
Minimum Age of Entry [ Beneficiary - Child ] - 30 Days
Maximum Age of Entry [ Beneficiary - Child ] - 13 Years
Policy Term - 18 MINUS Age of Beneficiary
Maturity Age of Beneficiary - Age 18 Years of Child

Contact:
E.Bhasker Goud
9394720404
vamshi
9603912921

posted by srikanth...june 22

Platinum Plus III

2009-06-22T08:00:00.000-07:00

Birla Sunlife Offers Ultimate Plan in the country

Entry Age - 18 to 70 Years
Policy Term - 10 Years
Premium Paying Term - 3 Years
Minimum Annual Premium - Rs. 50,000/-
Sum Assured ( Risk Coverage ) - 5 Times X Annual Premium
Income Tax Exemption Under Sec 80C [10 (10 D ) ]
Note : Guranteed Highest NAV of 7 Years from Policy Issued Date will be Paid
at the time of Maturity.

Contact:
E.Bhasker Goud
9394720404
Vamshi
9603912921

posted by srikanth.....june 22

Bajaj Allianz Life's "Unit Gain Plus Gold" Product

2009-06-22T07:58:00.000-07:00

Product Specifications

It is an unit linked life insurance policy
Age group 0 to 55 years
Premium paying term 15 years
For policy to stay in force, policy holder needs to pay premium for minimum 3 years
Rs.22,000 Minimum Premium to be paid for 3 years
5,50,000 SA for age group (0-17 years), No ADB
9,02,000 SA + 9,02,000 ADB for age group ( 18-35 years)
5,94,000 SA + 5,94,000 ADB for age group ( 36-45 years)
1,98,000 SA + 1,98,000 ADB for Age group ( 46-50 years)
1,98,000 SA for Age group ( 51-55 years), No ADB

Contact:
M.Mallesham
9391181454

posted by srikanth...jun 22

Bajaj Allianz Life's New Unit Gain Product

2009-06-22T07:57:00.000-07:00

Product Specifications

It is an unit linked life insurance policy
Age group 0 to 55 years
Premium paying term 20 years
For policy to stay in force, policy holder needs to pay premium for minimum 3 years
Rs.12,000 Minimum Premium to be paid for 3 years
3,00,000 SA for age group (0-17 years), No ADB
4,08,000 SA + 4,00,000 ADB for age group ( 18-45 years)
1,92,000 SA + 1,92,000 ADB for Age group ( 46-50 years)
1,92,000 SA for Age group ( 51-55 years), No ADB

contact:
M.Mallesham
9391181454

posted by srikanth....jun 22

BAJAJ ALLIANZ FAMILY ASSURE

2009-06-22T07:48:00.000-07:00

Product Specifications :

It is an Unit Linked Life Insurance plan.
Age Group 0-55 years.
For policy to stay in force, policy holder needs to pay premium for minimum 3 years.
Premium of Rs 10000 to be paid for 3 years.
Maximum Premium allowed Rs15000.

Death Benefit :

a) On death of Life Assured before attaining age of 7 years: The Regular Premium Fund Value as applicable on the date of receipt of intimation of death at office will be paid.

b) On death of Life Assured on or after attaining age of 7 years: Sum Assured Plus Regular Premium Fund Value as on the date of receipt of intimation of death at office.

c) If the policy is lapsed due to non-payment of regular premium within the period of grace during the first three policy years, then the Regular Premium Fund Value as applicable on the date of receipt of intimation of death at office will be paid.

Maturity Benefit :

On maturity, the Regular Premium Fund Value shall be paid to the Policyholder.

Partial Withdrawal of Units :

a) Partial Withdrawals of Units are allowed anytime after three years from the Policy Commencement Date provided that:

1.Regular Premium for three full Policy Years has been paid.

2.The Company has received a written notice from the Policyholder specifying the amount to be withdrawn.

3.The minimum amount of withdrawal is Rs.1,000/- and the remaining balance of Regular Premium Fund Value after the proposed Partial Withdrawal is at least 125% of the Annual Premium (across all Funds).

4.The Life Assured is not a minor.

b) If the Life Assured is a minor, Partial Withdrawals shall only be allowed after the Life Assured attains Age 18 years.

Fund Choices :

Asset Allocation Fund
Equity Index Fund II
Equity Growth Fund
Accelerator Mid-Cap Fund
Bond Fund
Liquid Fund
Pure Stock Fund

Payment :

The payment has to be made by demand draft only favoring " BAJAJ ALLIANZ LIFE INSURANCE COMPANY LIMITED " Payable At " Bangalore".

Tax Benefits :

Premiums paid and benefits received will be eligible for tax benefits as per applicable tax laws.

As per the current tax laws:
Premiums payable are eligible for tax benefits as per Section 80C of the Income Tax Act.

Partial Withdrawals, Surrender Value, Death Benefit and Maturity Benefit are eligible for
tax benefits as per Section 10(10D) of the Income Tax Act.

Contact
M.Mallesham
9391181454

posted by srikanth...jun 22

DREAM PLAN

2009-06-22T07:42:00.000-07:00

BIRLA SUNLIFE OFFERS DREAM PLAN WITH Guranteed Marturity Benefit

100 % Allocation
Entry Age 18 to 55 Years
Term 20 Years
Partial Withdraw from 4 th Year
No Surrender Charges
UnLimited Insurance Cover with
Low Mortality Charges
Income Tax Exemption Under Sec 80c [10(10D) ]
Annual Premium Starts From Rs. 6000/-

contact:
Vamshi
9603912921
9703030367

posted by srikanth....jun 22

JEEVAN SURABHI

2009-06-22T02:40:00.000-07:00

Suitability

This is an improved version of Money Back plan with an added feature of additional risk cover. Persons who wish to enjoy the benefit of saving through insurance during their earning period and at the same time wish to provide maximum insurance amount to the family members in the event of untimely death of the life assured can go in for this policy
For example, under the ordinary Money Back Plan, a person aged 30 years for a term of 25 years will have to pay a premium of Rs 55.40 per Rs 1000 Sum Assured i.e. total of Rs.1376/- if he survives the term. Under Jeevan Surabhi the same person would be required to pay Rs. 85/- for only 18 years i.e Rs.1530/-. The additional total contribution of Rs. 154/- gives him an additional risk cover ranging from Rs. 500/- to Rs. 2000/- per Rs 1000 sum assured. This is based on the duration elapsed from commencement of policy to the date of death of life assured

Salient Features

A policy where lump sum amounts are paid to the life assured at periodic intervals on survival.
Premium paying terms are less than corresponding policy terms i.e. for policy terms of 15, 20 and 25 years, the corresponding premium paying terms would be 12, 15 and 18 years.
In case of death of life assured within the term, full sum insured is paid to the nominee, irrespective of earlier survival benefits.
An additional amount is also paid on death occurring within the term. The amount depends on duration elapsed from commencement of the policy.
Accident benefit is available during the premium paying term only.
Bonus is payable at the end of the policy term under this scheme.
Premiums are to be paid regularly to get survival benefits.
Premiums cease on death or on expiry of term whichever is earlier.

Accident Benefit

Under this policy, the life assured can avail Accident Benefit by paying an additional Rs.1 premium. This is available only for the premium paying term

Other Conditions

Minimum Sum Assured Rs 20,000
Minimum premium must be Rs.800 per annum
Minimum age at entry - 14 years
Maximum age at entry :
15 year policy - 55 years
20 year policy - 50 years
25 year policy - 45 years
People who can produce standard age proof only can take this policy viz
A Municipal birth certificate or a School leaving certificate
Age extract from service register, maintained by govt., quasi govt., and public limited companies in respect of their employees
No loan will be granted on this policy

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june22

JEEVAN BHARATI

2009-06-22T02:38:00.000-07:00

Suitability

This plan is designed exclusively for women and provides funds at regular intervals so that they can be utilized on occasions such as marriage, sickness, education etc. All female lives between 18 & 50 can secure the policy. Physically handicapped women are also eligible subject to certain conditions.

Salient Features

This is a money back plan providing periodic return of sum assured with facility to encash at will.
Policyholder has the option to retain the periodic survival benefits with LIC and gain attractive interest.
Policy provides Guaranteed addition @ Rs.50 per Rs.1000 sum assured for the first five years and participation in profits (bonus) thereafter.
Life cover continues for 3 years despite non-payment of premium. However this facility is available only if at least 2 years premium have been paid.
Female Critical Illness cover: A benefit equal to the Sum Assured (subject to a maximum of Rs. 2 Lacs will be available on the occurrence of any of the following Critical Illnesses. Critical Illnesses covered are Breast Cancer; Ovarian/Fallopian Tube Cancer; Cervical Cancer; Uterine Cancer; Vaginal / Vulval Cancer.
Congenital Disability Benefit : If a child born to the policyholder, suffers from any of the congenital disabilities listed below, a benefit equal to 50 % of the Sum Assured subject to a maximum of Rs.1 Lac will be available for two children. The list of Congenital disabilities : Downs syndrome ; Spina Bifida ; Tetralogy of fallot; Oesophageal Atresia & Tracheo-oesaphageal Fistula ; Anal Atresia; Imperforate anus ; Cleft Palate with or without Cleft Lip.
Accident benefit rider can be availed by paying additional premium of Rs.1 per 1000 sum assured. This rider pays for an additional sum assured in the event of death due to an accident.
Flexibility in premium payment: Policyholder has the flexibility to pay next yearly premiums in advance and avail attractive premium rebates.

Survival Benefits

20 % of the Sum Assured at the end of 5 and10 years for 15 year term (balance payable on maturity plus Guaranteed Additions plus bonus , if any)
20 % of the Sum Assured at the end of 5, 10 and 15 years for 20 year term (balance payable on maturity plus Guaranteed Additions plus bonus , if any)

Death Benefits

Full sum assured along with guaranteed additions and bonus, irrespective of earlier survival benefits are payable.

Other Conditions

Minimum Sum Assured : Rs.50,000
Maximum sum assured : Rs.25,00,000
Minimum age at entry: 18 years
Maximum age at entry: 50 years
Mode of payment : Yearly only
Maturity age : 70 years
Terms Available: 15 and 20 years

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth...jun 22

JEEVAN SAATHI

2009-06-22T02:34:00.000-07:00

Suitability

This plan is ideal for employed couples. With a marginal addition to the premium of an Endowment Assurance, two lives are covered under this policy.

Salient Features

This plan is issued on the lives of husband and wife
Premium payment ceases on first death or upto maturity date if both lives survive upto the date of maturity.

Benefits

Sum assured along with vested bonus is payable on date of maturity if both lives survive upto date of maturity.
Basic sum assured is payable on first death within the term, to the surviving spouse.
If the second life also dies within the term of the policy, the nominee gets another sum assured along with vested bonus.
If the second life survives to maturity, an amount equal to sum assured is paid along with vested bonus.

Other Conditions

Minimum sum assured is Rs. 30000/-.
Minimum premium must be Rs.800 per annum
Minimum age at entry is 20 years
Maximum age at entry is 50 years
Maximum maturity age is 70 years
Age of the older life should not be more than 65 years on maturity
Premiums are based on mean age
Where sum proposed is over 1 lakh, the age of older life cannot be more than 60 years
Lady lives who have undergone two caesarian operations are not eligible for this policy
Accident benefit premiums to be paid on both lives. After 1st death, accident benefit is allowed on the second life also either by the same accident or by another accident within the same year
Only Standard age proof is accepted
Bonuses vest even after cessation of premium on 1st death, since it is payable only along with the sum assured payable in the event of death of 2nd life within the term or on 2nd life surviving date of maturity
Bonus is calculated on basic sum assured

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth....june22

ENDOWMENT WITH PROFIT

2009-06-22T02:31:00.000-07:00

Suitability

Being an endowment assurance policy, this plan is apt for people of of all ages and social groups who wish to protect their families from a financial setback that may occur owing to their demise.
The amount assured if not paid by reason of his death earlier will payable at the end of the endowment term where it can be invested in an annuity provision for the rest of the policyholder's life or in any other way he may think most suitable at that time.

Salient Features
Moderate Premiums
High bonus
High liquidity
Savings oriented

This policy not only makes provisions for the family of the Life Assured in event of his early death but also assures a lump sum at a desired age. The lump sum can be reinvested to provide an annuity during the remainder of his life or in any other way considered suitable at that time.
Premiums are usually payable for the selected term of years or until death if it occurs during the term period

Benefits
Disability Benefit:
In case policy holder becomes totally and permanently disabled due to an accident before reaching the age of 70 and the policy is in full force, he will not be required to pay further premiums, (the Disability Benefit is available in respect of the first Rs.20,000 sum assured on any one life) and the policy will continue to be in force.

Accident Benefit:
By paying a small extra premium of Rs.1 per Rs.1000/- sum assured per year he or his family are entitled to the following benefits on death or permanent disability caused by accident. Even students above the age of 18 years can avail of this benefit.

Premium Stoppage:
If payment of premiums ceases after at least THREE years' premiums have been paid , a free paid-up policy for a reduced sum assured will be automatically secured provided the reduced sum assured, exclusive of any attached bonus, is not less than Rs. 250/-. The reduced sum assured will become payable on the event as stipulated in the policy..
Bonus:
Is there anything extra payable besides the sum assured at the time of claim settlement? Yes, but only if it is a ‘with profits’ policy. Every year the Life Insurance Corporation distributes its surplus among policyholder to ‘with profits’ polices in the form of bonuses. Substantial bonuses have been declared in the past after each valuation of policy liabilities.
Death Benefits
Payment of full sum assured + Vested Bonus
Survival Benefits
Payment of full Sum Assured + Vested Bonus + Final Additional bonus, if any.
Other Conditions
Minimum age at entry : 12 years
Maximum age at entry : 65 years
Maximum age at maturity : 75 years
Minimum Sum Assured : Rs.00,000
Maximum Sum Assured : No Limit
Policy Term : 5 to 55 Years
Mode of Payment : Monthly, Quarterly, Half Yearly, Yearly, Salary Saving Scheme

contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth...jun 22

AMULYA JEEVAN

2009-06-22T02:27:00.000-07:00

Benefits
On Death during the Term of the Policy : Sum Assured
On Maturity : Nil

RESTRICTIVE CONDITIONS

Minimum age at entry:18 years (completed)
Maximum age at entry:60 years (nearest birthday)
Maximum age at maturity:70 years (nearest birthday)
Minimum Policy Term:5 years
Maximum Policy term:35 years
Minimum Sum Assured:Rs.25,00,000/-
Maximum Sum Assured:No Upper Limit
(Policies will be issued in multiples of Rs.100,000/- for Sums Assured more than the minimum Sum Assured)
Mode of premium payment:Yearly, Half-yearly & Single Premium

for further details contact:
Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth...jun 22

Met Suraksha TROP

2009-06-22T01:02:00.000-07:00

MetLife offers 'Met Suraksha - Term with Return of Premium (TROP)', a non participating term assurance plan which provides you life cover at a nominal cost. To put it simply, it is a life insurance plan that gives you complete protection to enjoy life to the fullest. You can further customize your plan with two riders – Accidental Death Benefit and Critical Illness.
What’s more, it also gives you the option of getting back all the premiums paid at maturity.

Plan:

Minimum Entry Age
18 years
Maximum Entry Age
50 years
Maximum Maturity Age
65 years
Minimum Sum Assured
Rs. 2,00,000
Maximum Sum Assured
No Limit
Policy Term
15 & 20 years
Premium Paying Terms
Single Pay, Limited Pay (3 years), Regular Pay
Riders Accidental Death Benefit Rider Critical Illness Rider

Death Benefit
In the event of death of the Person Insured, the Sum Assured is payable.

Maturity Benefit
On maturity of the policy, you receive the total of all premiums plus the Guaranteed Additions. The Guaranteed Additions are equal to 10% of premiums (including policy fee) paid (and excluding extra premiums and rider premiums if any).

Reasons to buy:
1. Low cost, low risk insurance plan.
2. Choice of a level term plan with or without return of premium.
3. Guaranteed returns of 10% of premium (including policy fee) paid (excluding extra premiums and rider premiums, if any) along with return of premium option of Met Suraksha.
4. Option of different premium paying modes to suit various income cycles.
5. Tax benefits as applicable.

Contact:
Customer helpline no. :1-800-425-6969
indiaservice@metlife.com
www.metlife.co.in

posted by srikanth...june 22

Met Suraksha

2009-06-22T00:58:00.000-07:00

MetLife offers 'Met Suraksha - Term Assurance (TA)', a non participating term assurance plan which provides you life cover at a nominal cost. To put it simply, it is a life insurance plan that gives you complete protection to enjoy life to the fullest. You can further customize your plan with two riders – Accidental Death Benefit and Critical Illness.

Plan:
Minimum Entry Age
18 years
Maximum Entry Age
60 years
Maximum Maturity Age
65 years
Minimum Sum Assured
Rs. 50,000
Maximum Sum Assured
No Limit
Policy Term
5, 10, 15, 20, 25 years and Term to age 60
Premium Paying Terms
Single Pay, Limited Pay (3 years), Regular Pay
Riders Accidental Death Benefit Rider Critical Illness Rider

Death BenefitIn
the event of death of the Person Insured, the Sum Assured is payable.

Maturity Benefit
Not Applicable.

Reasons to buy:
1. Low cost, low risk insurance plan.
2. Option of different premium paying modes to suit various income cycles.
3. Tax benefits as applicable.

Contact:

Customer helpline no. :
1-800-425-6969
indiaservice@metlife.com
www.metlife.co.in

posted by srikanth...june 22

TEMPORARY TERM ASSURANCE

2009-06-22T00:40:00.000-07:00

Suitability

The Two Year Temporary Assurance policy caters to the individuals who specifically require insurance cover against risk for a short period of two years, for instance persons who are required to go on tours for instance for a year or so.

Salient Features

The Two Year Temporary Assurance policy is designed for the insuring public who requires risk cover for a maximum of two years
Under the Two Year Temporary Assurance policy a single premium is required to be paid at the outset of the policy to cover the entire period of term
The proposer is required to pay the medical examination fee. The proof of age must also accompany the proposal
The policy issued will be only under the 'Without Profits' plan
The policy is not entitled to any surrender value
No loan will be granted against the Two Year Temporary Assurance policy
Benefits
Death Benefits
Total Sum Assured
Survival Benefits
Not Applicable

Other Conditions
Minimum age at entry : 18 years
Maximum age at entry : 60 years
Maximum age at maturity : 62 years
Minimum Sum Assured : Rs.50,000
Maximum Sum Assured : Rs.1,00,00,000
Policy Term : 6, 12, 18, 24 months
Mode of Payment : Single Premium

Contact:

Mr.Pradeep Diwan

LIC Agent

Tel: 28050377/ 28055576

Fax: 28056748

Cell: 9324422924

pradeep@licinsurance.com

posted by srikanth...jun 22

ANMOL JEEVAN I

2009-06-22T00:37:00.000-07:00

Suitability

This is a pure risk policy suitable for people who wish to provide huge sums for their family at an economical premium. All males and females with earned income (Category I) and females with unearned income and paying tax (Category II) are eligible for this plan.

Salient Features

The policy being a pure term plan, the sum assured is payable on the death of the policyholder during the term of the policy
On survival to maturity nothing is payable
The policy will not acquire any paid-up value
No Surrender Value will be available under this plan
No loan will be granted under this plan
Policyholder has an option to pay premium Yearly, Half-yearly, Quarterly or Single Premium
A grace period of 15 days will be allowed for payment of yearly, half-yearly or quarterly premiums
If death occurs within the grace period and before the payment of the premium then due, the policy will still be valid and the Sum Assured paid after deduction of the said premium as also unpaid premiums falling due before the next policy anniversary of the Policy. If the premium is not paid before the expiry of the days of grace, the Policy lapses.

Benefits

On Death

Full sum assured + loyalty additions

On Survival

Nothing is payable

Other Conditions

Minimum age at entry : 18 years
Maximum age at entry : 50 years
Maximum age at maturity : 60 years
Policy Term : 5 to 25 years
Minimum Sum Assured : Rs.5,00,000
Maximum Sum Assured : Rs.3,00,00,000

Mr.Pradeep Diwan
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth...jun 22

WHOLE LIFE PLAN

2009-06-22T00:22:00.000-07:00

Suitability

People who wish to provide for their dependants huge sums at comparatively low contribution as premium can take this policy. Under this plan an individual gets life coverage for almost whole of his life.

Salient Features

Sum assured is payable only on the death of the life assured
Premiums have to be paid for 35 years or till age 80 years whichever is more
Premiums cease on death of the life assured
Benefits

On Death

Sum assured + vested bonuses are payable to nominees/beneficiaries on death of life assured only.

Other Conditions

Minimum sum assured : Rs 20000
Minimum premium must be Rs.800 per annum
Minimum age at entry : 18 years
Maximum age at entry : 60 years

Contact:
Mr.Pradeep Diwan
LIC Agent
Tel: 28050377/ 28055576
Fax: 28056748
Cell: 9324422924
pradeep@licinsurance.com

posted by srikanth...jun 22

bestinsurancetips

2009-06-14T05:54:00.000-07:00

for best insurance policies for your children contact.. 9866764898

visit: www.licindia.com

posted...sns..jun 14..

Tata Capital Fund

2009-01-16T23:57:00.000-08:00

Tata Capital marks the entry of the Tata Group into a host of new financial services. The Company caters to multiple needs of the retail and institutional customer – truly a one-stop shop, be it investment or finance.

Tata Capital brings the trust and expertise of the Tata Group into the world of financial services. It aims to be recognised for its customer-centricity and high service standards. The Company is driven by a strong focus on value creation for stakeholders and the society at large.

Tata Capital is a wholly-owned subsidiary of Tata Sons Limited, the apex holding company of the Tata Group. It is registered with the Reserve Bank of India as a Systemically Important Non Deposit Taking Non Banking Financial Company undertaking fund and fee based activities in the financial sector.

Visit : http://www.tatacapital.com

Reliance Child Plans

2009-01-16T23:22:00.000-08:00

Being a parent is one of the joys of life. Your child looks up to you and depends on you for love, protection and support. You want to provide your child with the best in life.

The Reliance Child Plan helps you save systematically so that you can secure your child’s future needs. Be it higher education, his or her first home or any other requirement, you will always be there for your child when he or she needs you.

So, invest in a Reliance Child Plan right away—it is the best gift you could ever give your child.

Reliance Retirement Plans

2009-01-16T23:21:00.001-08:00

You are a young and earning individual. The income you earn allows you to enjoy life, your only worry being whether you will be able to continue the same lifestyle after retirement.

A Reliance Retirement Plan will help you save money for your retirement. It ensures that you continue to get some income after retirement thereby ensuring that you do not have to depend on any other person or make any compromises to maintain the same lifestyle.

Invest in a Reliance Retirement Plan today and enjoy life after retirement on your own terms.

Reliance Savings & Investment Plans

2009-01-16T23:20:00.001-08:00

Savings & Investment Plans

In life, you have always given your family whatever they have wanted. Yet, there are some promises you have to fulfil, such as taking your family for a vacation, or buying that dream house.

Set aside some money to achieve these specific goals with the help of Reliance Savings & Investment Plans. The plan allows you to experience the joys of life and provide for your family’s needs.

Enjoy life without worrying about the promises you have made—we are here to fulfil them.

Reliance Protection Plans

2009-01-16T23:18:00.000-08:00

In today’s uncertain world, there could be calamity at every step of the life. It is up to you to ensure that your family stays protected always.

Reliance Protection Plans helps you do exactly the same. You have a wide range of options to choose a plan from. Right from limited period plans to lifetime protection plans, you can opt for the one that suits your lifestyle.

While we understand that nothing can compensate for the loss of a life, we intend to provide you the peace of mind. Investing in Reliance Protection Plans would mean your family’s future is in safe hands.

BSLI Freedom 58

2009-01-16T23:15:00.000-08:00

BSLI Freedom 58 is a unit linked, non-participating pension plan. A simple, hassle free plan it helps you accumulate your premiums and the investment returns thereof into a corpus for your retirement. We call this period of retirement corpus generation as the “accumulation phase”. Once you decide to vest your policy, you will enter into the “income phase” where your corpus will be used to purchase a stream of regular income payable for the rest of your lifetime. During the accumulation phase we offer two unparalleled investment portfolio strategies for you to choose from:
	Self Managed Portfolio – with this option you can direct your investments in any of the 5 fund options based on your personal judgment
	LifeCycle Managed Portfolio - with this option you allow us to manage and administer your investment portfolio on your behalf and according to your risk profile.
	In addition we offer you:
	Freedom to reduce policy premiums from 2nd year onwards.
	Freedom to change investment portfolio strategy at any time.
	Freedom to change premium allocation at any time.
	Freedom to change risk profile at any time.
	Freedom to meet your ever-changing needs through unlimited top-up premiums and fund switches.
	Freedom to meet any cash emergencies after three policy years through free of charge partial withdrawals or full surrender.
Your retirement corpus accumulated by exercising either of the investment portfolio strategies is utilized at vesting (retirement) to purchase an annuity with us or any other life insurer of your choice. You have the freedom to opt for the best plan to enjoy your life, as you desire. You can vest your policy anytime after 5 completed years.

BSLI Health Plan

2009-01-16T23:13:00.000-08:00

Insure yourself and/or your family or your parents

Decide on the amount of insurance for each individual

Benefits on hospitalization/surgery are fixed and will be paid

•	irrespective of actual costs
•	in addition to any other health plan you may have

Universal Health Benefit helps you and your family with out-of-pocket health related expenses – example medical tests, prescription drugs, ayurvedic & homeopathy medicines …

You are Guaranteed a new BSLI Universal Health Plan with the Guaranteed Insurability Health Benefit:

•	up to age 78 for you and your spouse or for your parents
•	up to age 23 for your dependent children
•	no underwriting, no questions asked, guaranteed issue
•	irrespective of the health status or past claims under an enhanced BSLI Universal Health Plan
•	more units for everyone with more covered surgeries
•	no waiting period, no deductible, no excluded surgeries

Birla Sun Life Saving

2009-01-16T23:10:00.000-08:00


	Short pay options.
	Choice of two death benefits :one that will return the accumulated fund with the sum assured and another that will return the fund with an increased sum assured.
	Easy liquidity ensured via partial withdrawals and surrenders.
	Top ups to accommodate additional savings.
	Attractive fund values at maturity.
	An in-built Accidental Total Permanent Disability benefit.

You don't settle for anything less than the best. So here's an investment option that caters exclusively to your unique needs. Brought to you by BSLI, The Birla Sun Life Insurance Supreme - Life Plan is just the plan for you. This plan gives you more than just an increasing life insurance cover; it has the potential to give you returns that are best in the class. It puts you in the driving seat by giving you the flexibility to choose your benefits and returns. All this, coupled with an efficient charge structure makes the Supreme - Life Plan perfect for you.

Birla Sun Life Term Plan (Protection)

2009-01-16T23:05:00.000-08:00

	Highlights
	Large life cover at low cost
	Ideally suited for covering all your liabilities
	Complete security for your loved ones

	What is life without dreams and wishes?
	Dreams of a life full of cheerful and happy moments. However life has its uncertainties and risks. To take care of these uncertainties, you need to plan ahead. We, at Birla Sun Life Insurance look at life insurance from your needs point of view, creating customised solutions. It is this commitment which enables us to find way to adapt. To change. To adjust. It is this philosophy that has brought the Aditya Birla Group and Sun Life Financial Inc. together to form Birla Sun Life Insurance Company Limited.

	What is Birla Sun Life Insurance Term Plan about?
	The plan has been designed for people who want to avail of the benefits of life insurance at low cost. It is a low premium, pure risk coverage plan which takes care of your financial commitments towards your family or dependants, should anything unfortunate happen to you.

HEALTH INSURANCE

2009-01-15T06:03:00.000-08:00

Health Insurance is most important for every human being.

please visit the following website for choosing Best Health Insurance Policy.

www.Bajajinsurance.com
www.icicilombord.com