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  • 1. About Reliance Life InsuranceReliance Life Insuranceoffers you products that fulfill your savings and protection needs. Our aim is to emerge as atransnational Life Insurer of global scale and standard.Reliance Life Insurance is a Reliance Capital Company and is part of Reliance Group. Reliance Capital is one of India‘sleading private sector financial services companies, and ranks among the top 3 private sector financial services andbanking companies, in terms of net worth. Reliance Capital has interests in asset management and mutual funds, stockbroking, life and general insurance, proprietary investments, private equity and other activities in financial services.Reliance Group also has presence in Communications, Energy, Natural Resources, Media, Entertainment, Healthcareand Infrastructure.Nippon Life Insurance Company acquired 26% interest in equity share capital of the Company effective October 7, 2011subsequent to receipt of all regulatory approval.Nippon Life Insurance, also called Nissay, is Japans largest private life insurer with revenues of Rs 346,834 crore (US$80 Billion) and profits of over Rs 12,199 crore (US$ 3 billion). The Company has over 14 million policies in Japan, offersa wide range of products, including individual and group life and annuity policies through various distribution channelsand mainly uses face-to-face sales channel for its traditional insurance products. The company primarily operated inJapan , North America, Europe and Asia and is headquartered in Osaka, Japan. It is ranked 81st in Global Fortune 500firms in 2011.Our FounderFew men in history have made as dramatic a contribution to their country‘s economic fortunes as did the founder ofReliance, Shri. Dhirubhai H Ambani. Fewer still have left behind a legacy that is more enduring and timeless.As with all great pioneers, there is more than one unique way of describing the true genius of Dhirubhai: The corporatevisionary, the unmatched strategist, the proud patriot, the leader of men, the architect of India‘s capital markets, thechampion of shareholder interest.But the role Dhirubhai cherished most was perhaps that of India‘s greatest wealth creator. In one lifetime, he built,starting from the proverbial scratch, India‘s largest private sector enterprise.When Dhirubhai embarked on his first business venture, he had a seed capital of barely US$ 300 (around `14,000).Over the next three and a half decades, he converted this fledgling enterprise into a ` 60,000 crore colossus—anachievement which earned Reliance a place on the global Fortune 500 list, the first ever Indian private company to doso.Dhirubhai is widely regarded as the father of India‘s capital markets. In 1977, when Reliance Textile Industries Limitedfirst went public, the Indian stock market was a place patronised by a small club of elite investors which dabbled in ahandful of stocks.Undaunted, Dhirubhai managed to convince a large number of first-time retail investors to participate in the unfoldingReliance story and put their hard-earned money in the Reliance Textile IPO, promising them, in exchange for their trust,substantial return on their investments. It was to be the start of one of great stories of mutual respect and reciprocal gainin the Indian markets.Under Dhirubhai‘s extraordinary vision and leadership, Reliance scripted one of the greatest growth stories in corporatehistory anywhere in the world, and went on to become India‘s largest private sector enterprise.Through out this amazing journey, Dhirubhai always kept the interests of the ordinary shareholder uppermost in mind, inthe process making millionaires out of many of the initial investors in the Reliance stock, and creating one of the world‘slargest shareholder families.Vision & MissionVisionEmpowering everyone live their dreams.Mission
  • 2. Create unmatched value for everyone through dependable, effective, transparent andprofitable life insurance and pension plans.Our GoalReliance Life Insurance would strive hard to achieve the 3 goals mentioned below:Emerge as transnational Life Insurer of global scale and standardCreate best value for Customers, Shareholders and all Stake holdersAchieve impeccable reputation and credentials through best business practicesAchievementsLargest Private Life Insurance in terms of Number of Policies for two consecutive years as of 31st March2012A wide network of 1230 branches and 1,50,000 advisorsOver 9 million policiesRLIC continues to be amongst the foremost Life Insurance companies in India to be certified ISO 9008:2001Winner of ―Best Non-Urban Coverage‖ Award at Indian Insurance Awards 2011RLIC‘s Boundaries for Books Campaign won the Silver at the Indian Digital Media Awards (IDMA) 2012,under Best Integrated Campaign – Social Cause and Best Use of Social Network – Social CauseAmongst the top 3 Most Trusted Service Brands in the Insurance category as per the Brand Equity‗s ‗MostTrusted Service Brands 2011‘ SurveyTop Management Team-Reliance Life InsuranceAnup Rau – Chief Executive Officer and Executive DirectorAnup Rau, is the Chief Executive Officer and Executive Director of Reliance Life Insurance Company Limited,one of the largest life insurance companies in India. Reliance Life is a joint venture between Reliance CapitalLimited and Nippon Life. His key focus areas at Reliance Life includes ensuring a sustainable and profitablegrowth for the Company with a vision to become the most admired Life Insurance Company in the Countryand to strengthen the company‘s partnership with Nippon Life by adopting their long sustaining values andsingular focus on customers. He brings tremendous amounts of energy and belief in ideas that would helprealise this vision.Prior to joining Reliance Life, Anup was Head – Sales & Distribution at HDFC Life Insurance. Under hisleadership at HDFC Life, the company enjoyed a consistent Top 3 position, achieved amongst the lowest costof acquisition in the industry, dominated the Bancassurance channel, fostered the Agency distribution channelthat scaled to the top quartile and introduced new distribution channels like Broker and International Business,which also grew to enjoy leadership positions in the industry.Anup has over 17 years of experience in the Financial Services and FMCG sectors. He started out in the lifeinsurance industry with ICICI Prudential, where he spent almost a decade. He began as a Branch Manager –Agency, and worked across geographies in various key positions in Sales, Sales Planning & Strategy sincetheir formative years. He was Senior Vice President – Agency Distribution for West and South before hebecame Head – Bancassurance & Alliances.A philanthropist by nature, Anup is passionate about Corporate Social Responsibility (CSR) and stronglybelieves in giving back to the community.Anup is an Economics Graduate from University of Delhi and holds a Masters in Management Studies fromMumbai University.
  • 3. Srinivasan Iyengar – Chief Operating OfficerSrinivasan Iyengar is the Chief Operating Officer of Reliance Life Insurance CompanySrinivasan has over 26 years of rich experience in Operations, Customer Service and Techonolgy. His keyfocus areas at Reliance Life are, integrating systems and processes for delivering operational excellence,customer value proposition and developing cost efficient service delivery platformPrior to joining us ,Srinivasan was with Aegon Religare Life Insurance where in capacity of the COO he ledseveral projects to achieve Service Excellence and Operational Efficiencies to support business strategy.He has also been associated with companies like LIC, ICICI-Prudential, Prudential Malaysia & TCS in variouscapacities.Srinivasan has done his Graduation in Commerce from Mumbai University and an advanced course inSystems Management & Technology.Andleeb Rabbi – Chief Human Resources OfficerAndleeb is the Chief Human Resources Officer and is responsible for providing leadership for HumanResources, Administration and Infrastructure functions of Reliance Life Insurance Company.Andleeb is one of the founding team members of Reliance Life Insurance and has been involved from theacquisition of AMP Sanmar days. He has been with the Reliance Capital and worked for Reliance CommercialFinance and Home Finance as their Head of HR and Admin. Begining his career as a management trainee inElbee-UPS, he subsequently worked with ICICI Bank and Hutch-3G in the Human Resource function.Andleeb holds a Management degree in Human Resources from Symbiosis Institute of Business Management- Pune, a Diploma in Labour Laws from Pune University and has over thirteen years of experience postmanagement degree.S V Sunder Krishnan, Chief Risk OfficerSunder is the Chief Risk officer for Reliance Life Insurance and is responsible for overseeing RiskManagement, Internal Audit and Compliance functions at Reliance Life Insurance.Sunder came with 23 years of experience and knowledge in Internal Audits, Compliance, AssuranceConsulting and Risk Management. He has worked for various leading organizations such as DSP MerrillLynch, ING Vysya, Credit Lyonnais, Standard Chartered, Bank International Indonesia, Ernst & Young andDelloitte at senior and middle management positions with exposure to businesses and operations in more than12 countries.Sunder is a qualified FCA, CISA, and CCSA. He is currently the advisor to the Board of Information SystemsAudit Control Association (ISACA-USA), Mumbai Chapter. He was president of Information Systems AuditControl Association (ISACA-USA), Mumbai Chapter for the year 2007-08.Sunil Agrawal, Chief Financial OfficerSunil Agrawal is the Chief Financial Officer at Reliance Life Insurance.In his role as CFO he provides effective leadership to the finance function and plays a key role in managingthe affairs of the company.Sunil has over 14 years of experience of which 13 years experience comes from the insurance industry. Suniljoined Reliance life Insurance in December 2005 after a 5 1/2 years stint with ICICI Prudential Life Insurancein various roles right from the inception of the company including compliance, special projects, financial controland finance operations.He is a B.E. Computer Science, a Chartered Accountant and DISA (ICAI).PRODUCTSProtection PlansIn today’s uncertain world, there could be calamity at every step of the life. It is up to you toensure that your family stays protected always.Reliance Protection Plans helps you do exactly the same. You have a wide range of options tochoose a plan from. Right from limited period plans to lifetime protection plans, you can opt forthe one that suits your lifestyle.
  • 4. While we understand that nothing can compensate for the loss of a life, we intend to provide youthe peace of mind. Investing in Reliance Protection Plans would mean your family’s future is insafe hands.Protection PlansReliance Life Insurance eTerm PlanLife, as we know, is full of uncertainties. And to keep pace with it, you need toplan ahead and protect the well being of your family in your absence..Read MoreReliance Term PlanInvest in the Reliance Term Plan, a pure life insurance plan that offers youcomprehensive and affordable coverage for a limited period of time to suit yourneeds...Read MoreReliance Simple Term PlanMake a smart investment move by investing in the cost-effective Reliance SimpleTerm Plan, which offers you comprehensive coverage for a specified period oftime to suit your needs...Read MoreReliance Special Term PlanImagine a life insurance policy, which on maturity returns to you all the premiumsyou had paid for your basic policy. The Reliance Special Term Plan offers that andmuch more... Read MoreReliance Credit Guardian PlanThe Reliance Credit Guardian Plan secures your family from any loan liabilitiesyou have incurred in case of your untimely demise. On survival at maturity, youwill be returned all the premiums paid for the basic policy...Read MoreReliance Special Credit Guardian PlanInvest in the Reliance Special Credit Guardian Plan and protect your family fromany loan liabilities you have incurred. On survival at maturity, all premiums paidfor the basic policy will be returned to you...Read MoreSavings & Investment PlansIn life, you have always given your family whatever they have wanted. Yet, there are somepromises 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’sneeds.
  • 5. Enjoy life without worrying about the promises you have made—we are here to fulfil them.Savings & Investment PlansReliance Life Insurance Smart Maturity Benefit PlanNon Linked, Non-Participating, Single Premium, Savings cum Protection Plan, whereyou pay the premium only once throughout the policy term. On maturity, you receivethe amount that is guaranteed...Read MoreReliance Life Insurance Super Endowment PlanReliance Life Insurance Super Endowment Plan gives you the financial independenceto achieve your dreams in the future. It lets you decide how much amount you wouldlike to set aside as your Sum Assured based on your current financial position andyour expected future expenses. ..Read MoreReliance Life Insurance Guaranteed Money Back PlanReliance Life Insurance Guaranteed Money Back Plan is a Non-linked, Non-participating..Read MoreReliance Life Insurance Money Multiplier PlanYou want to do everything you can to protect the people you care about. But what’sthe best way to protect your family and loved ones from financial consequences nowand in your absence? ...Read MoreReliance Cash Flow PlanInvest in the Reliance Cash Flow Plan and reap the dual benefits of a life insuranceplan and easy liquidity through lump sum cash, which means you can get apercentage of the Sum Assured at periodic intervals...Read MoreReliance Endowment PlanThe Reliance Endowment Plan gives you financial independence by allowing you todecide the amount of Sum Assured based on your current financial position andexpected future expenses… Dream!!...Read MoreReliance Super Five PlusImagine an endowment plan that protects you for a certain period even after youhave received your lump sum—that is exactly what the Reliance Super Five Plusoffers you with other added benefits..Read MoreReliance Whole Life PlanGive your family a lifetime of timely financial support by investing in the Reliance
  • 6. Whole Life Plan. This will help you enjoy your life to the fullest...Read MoreReliance Connect 2 Life PlanThe Reliance Connect 2 Life Plan gives you the option to upgrade your life cover tokeep pace with your changing lifestyle. As your income grows, your family will havesufficient cover... Read MoreChild PlansBeing a parent is one of the joys of life. Your child looks up to you and depends onyou for love, protection and support. You want to provide your child with the best inlife.The Reliance Child Plan helps you save systematically so that you can secure yourchild’s future needs. Be it higher education, his or her first home or any otherrequirement, 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 giveyour child.Unit linked PlansUnit Linked Insurance Plans generally called as ULIP are investment cum protectionplans that offers you dual benefits of availing market linked returns on yourinvestments along with life insurance cover.You have an option to choose from a variety of funds available under the selectedplan along with the flexibility to manage and switch between funds.Reliance Life Insurance presents you a wide range of Regular and Single premiumULIP plans that suits your investment need.Unit linked PlansReliance Life Insurance Guaranteed Maturity Insurance PlanAn insurance plan which guarantees atleast double your money plus all theupside for you at maturity.Read MoreReliance Life Insurance Classic Plan - IITo keep pace in the race of life where financial planning is one of the keyrequirements, it is imperative that you move fast and act smart.Read MoreReliance Life Insurance Classic Plan – Limited PremiumTo keep pace in the race of life where financial planning is one of the keyrequirements, it is imperative that you move fast and act smart...Read More
  • 7. Reliance Life Insurance Pay Five PlanReliance Life Insurance Co. Ltd. offers one such plan that helps you achieve allthat you have wished for by paying just 5 annual premiums and reap benefits foras long as 15 yearsRead MoreReliance Life Insurance Classic PlanTo keep pace in the race of life where financial planning is one of the keyrequirements, it is imperative that you move fast and act smart...Read MoreRetirement PlansYou are a young and earning individual. The income you earn allows you to enjoy life, your onlyworry 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 youcontinue to get some income after retirement thereby ensuring that you do not have to dependon 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.Retirement PlansReliance Life Insurance Smart Pension PlanIn the blissful journey of life,we work endlessly so that our children receive thebest of education, get the desired job which they have dreamt of and are happilymarried.Read MoreReliance Immediate Annuity PlanIn life, some things should just never be compromised, such as your lifestyle, yourindependence, your desires, your happiness, the annual family vacation and allthe things youve always loved to indulge in.Read MoreHealth Plan"We Protect, We Care"We are sure you would like to do tooConvey that you care for your family through Reliance Life Insurance Health PlansPlansReliance Life Easy Care Fixed Benefit PlanWe offer you innovative health insurance plans that not only protect you fromunexpected financial burden but also care for you as a friend in need in difficulttimes. Apart from the exclusive features of health plans, we also provide a basket
  • 8. of unique and specialized services which differentiates us in the field of empathy& care...Read MoreReliance Life Care For You Advantage PlanAt Reliance Life Insurance, we not only protect you, but we care for youtoo...Read MoreReliance Life Care for You PlanThe worst nightmare that anyone can have is the one when a family member ishospitalized ……Read MoreSolutions for GroupsAs an employer, you believe in providing the best opportunities for your employees while keepingthe interests of the company in mind. How will you strike a balance between the two?Reliance Life Insurance offers you a win-win solution with Solutions for Groups. Not only are youremployees covered for life from accidents and disablements, you can also efficiently manage theirfuture with gratuity and pension plans.So invest in Reliance Solutions for Groups to give your employees a sense of belonging and feel atpeace knowing that you have fulfilled your obligation towards your corporate family.PlansEmployers Liability SolutionsFreedom from forecasting and managing liability for employees Gratuity, LeaveEncashment and Pension...Read MoreEmployee Protection SolutionsHave you always wanted to give your employees total cover from any accidents,disabilities or untimely deaths? Invest in Reliance Employee Protection Solutionstoday and show your employees that you care...Read MoreHealth Plan"We Protect, We Care"We are sure you would like to do tooConvey that you care for your family through Reliance Life Insurance Health PlansPlansReliance Life Easy Care Fixed Benefit Plan
  • 9. We offer you innovative health insurance plans that not only protect you fromunexpected financial burden but also care for you as a friend in need in difficulttimes. Apart from the exclusive features of health plans, we also provide a basketof unique and specialized services which differentiates us in the field of empathy& care...Read MoreReliance Life Care For You Advantage PlanAt Reliance Life Insurance, we not only protect you, but we care for youtoo...Read MoreReliance Life Care for You PlanThe worst nightmare that anyone can have is the one when a family member ishospitalized ……Read MoreClaims OverviewIn this section you will find the list of documents you need to submit while logging a claim. In caseof Critical Illness, Total and Permanent Disability or Death claims, please log the claim and submityour documents directly to the Claims Department, Chennai or at the branch nearest to you.How to register the claim under:Critical IllnessAccidental Death Benefit / Total & Permanent DisabilityDeathSurvival and Maturity BenefitWealth + HealthEB ClaimsFor any help or information on INDIVIDUAL CLAIMS, please call or write to thenearest branchTHE CLAIMS DEPARTMENT9th Floor - Building No. 2,R-Tech Park, Nirlon Compound,Next to Hub Mall, Behind I- Flex building,Goregaon, (East),Mumbai-400 063