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Reliance Premier Life Plan


94% Fund Allocation    Nominee gets            Tax Benefits u/s                 52 Free
   In the 1st year.       SA + FV              80 C & 10 (10 D)                Switches
100% subsequent yrs    On death of LA         Of the IT Act, 1961
                                                                            Max Sum Assured

                                                                      Age 18 to 40 yrs – 30 times * AP
                                                                      Age 41 to 45 yrs – 20 times * AP
                                                                      Age 46 to 50 yrs – 15 times * AP
  Product Features     RPL Basic Plan         RPL Term 10 Plan        Age 51 to 55 yrs – 10 times * AP
                                                                      Age 56 & above – 5 times * AP

Entry Age             18 to 65 years         18 to 70 years
Policy Term           15 to 30 years         10 years FIXED
Maturity Age          33 to 80 Years         28 to 80 Years                     FMC
                                                                    New Money Market 1.25%
Min. Annual Premium   35,000                 35,000
                                                                    New Corporate Fund 1.25%
Admin Charges         Rs.40 per month        Rs.40 per month         New Gilt Fund          1.25%
                                                                     New Equity Fund 1.35%
Surrender / PW        20% in the 4th year,   20% in the 4th year,
Charges               10% in the 5th year    10% in the 5th year     New Infrastructure 1.35%
                      Nil from 6th year      Nil from 6th Year       New Midcap Fund 1.35%
Top Up Charges        1%                     1%                     New Energy Fund 1.35%
                                                                     New Pure Equity 1.35%

                                                                         A Reliance Capital company
Reliance Super Automatic Investment Plan


   52 Free                      Tax Benefits
                                                              Fund Switch
  Switches                       IT Act,1961
                                                                             New Critical Conditions,
 Product Features         RSAIP Basic Plan        RSAIP Term 10 Plan         New Surgical Assistance,
                                                                                  ADB & TPD,
 Entry Age                30 days to 65 years     30 days to 70 years           Term Life Riders
 Policy Term              15 to 30 years          Fixed 10 YEARS
 Maturity Age             15 to 80 years          10 to 80 years
                                                                                Tailor Made (FMC)
 Min. Annual Premium      20,000(RP) 25,000(LP)   20,000 (RP)
                          50,000(SP)              30,000 (SP)
                                                                            New Money Market 1.25%
                                                                            New Corporate Fund 1.25%
 Premium Modes            RP / SP / LP            RP / SP only
 Admin Charges            Rs.40 per month         Rs.40 per month
                                                                             New Gilt Fund          1.25%
                                                                             New Equity Fund 1.35%
 Surrender / PW Charges   20% in the 4 year
                                       th
                                                  20% in the 4 year
                                                                th

                                                  10% in the 5th year       New Infrastructure 1.35%
                          10% in the 5th year
                          Nil from 6th year       Nil from 6th year         New Midcap Fund 1.35%
 Allocation Charges       1st Year –       20%    1st Year –       20%      New Energy Fund 1.35%
                          2nd & 3rd yr –   3%     2nd & 3rd yr –   3%        New Pure Equity 1.35%
                          4th & 5th yr –   2%     4th & 5th yr –   2%
                          6th & above -    1%     6th & above -    1%
                                                                                Ready Made (FMC)
 SP & Top Up Charges      2%                      2%                            Fund A    1.35%
                                                                               Fund B & C 1.30 %

                                                                             A Reliance Capital company
Reliance Super MRP
             52 Free       Tax Benefits            Tax Benefits               Top Up                Partial
             Switches      U/s 80 C, 80 D          U/s 10 (10 D)              Facility           Withdrawals



 Product Features         RSMRP Basic Plan           RSMRP Term 10 Plan
 Entry Age                30 days to 65 years        30 days to 70 years

 Policy Term              15 to 40 years             FIXED 10 Years                       New Critical Conditions
                                                                                          New Surgical Assistance
 Maturity Age             15 to 80 years             10 to 80 years
                                                                                               ADB & TPD
                                                                                             Term Life Riders
 Min. Annual Premium      15000 (RP), 50000 (SP)     12000 (RP), 30000 (SP)

 Premium Modes            RP / SP                    RP / SP
                                                                                     Fund Management Charges
 Admin Charges            Rs.40 per month            Rs.40 per month
                                                                                         New Balanced Fund 1.30%
 Surrender / PW Charges   20% in the 4th year,       20% in the 4th year,                New Growth Fund 1.30%
                          10% in the 5th year        10% in the 5th year
                          Nil from 6th Year          Nil from 6th Year                   New Money Market 1.25%
                                                                                          New Equity Fund 1.35%
 Allocation Charges       1st Year – 15%             1st Year – 15%
                          2nd & 3rd yr – 3%          2nd & 3rd yr – 3%                   New Infrastructure 1.35%
                          4th & 5th yr – 2%          4th & 5th yr – 2%                   New Midcap Fund 1.35%
                          6th & above - 1%           6th & above - 1%
                                                                                         New Energy Fund 1.35%
 Top Up Charges           2%                         2%                                  New Pure Equity 1.35%
                                                                                           New Fund C         1.30%

                                                                                           A Reliance Capital company
Reliance Super Golden Years
   Exchange           52 Free           Top UP              Tax              Retirement             Exciting            Optional
    Option           Switches           Facility           Benefits           Planning               Funds              Life Cover


    Product           RSGYP            RSGYP           RSGYP            RSGYP            RSGYP                     RSGYP
    Features           Basic           Term 10       Value Basic         Value          Plus Basic              Plus Term 10
                                                                        Term 10
Entry Age            18 to 59 yrs    18 to 65 yrs    18 to 59 yrs      18 to 65 yrs    18 to 59 yrs          18 to 65 yrs

Min Policy Term       16 years       Fixed 10 yrs    16 years          Fixed 10 yrs    16 years              Fixed 10 yrs

Vesting Age          Upto 75 years

Premium Modes        RSGYP Basic & Term 10 : Regular & Single RSGYP Value & Plus : Only Regular Mode

Min Premium            All Regular Premium : 20000 Single Premium (Super GYP Basic) 50000 , SP (SuperGYP Term10) :
                                                                  30000
Life Cover           RSGYP Basic & Term 10 : No Life Cover RSGYP Value& Plus : Life Cover Available

Allocation Charges   Regular Premium : 7.5 % in 1st year, 5% from 2nd to 10th year, 1% thereafter
                     Single Premium & Top Ups : 2 %

Fund Mgmt            New Balanced (1.30%) , New Growth (1.30%), New Money market (1.25%), New Equity (1.35%),
Charges              New Pure Equity (1.35%), New Infrastructure (1.35%), New Energy (1.35%), New Midcap(1.35%)

Riders               CIBR, MSABR, TLR, AD & TPDR (Riders only available with RSGYP Value & Plus)

Admin Charges        Rs.40 per month

Surrender Charges    20% in 4th year, 10% in 5th year & from 6th year onwards : Nil Charges



                                                                                                    A Reliance Capital company
Reliance Super Invest Assure Basic Plan
 250% Guaranteed          Partial      TOP UP        52 Free         Life     Tax Benefits      Tax Free returns
Additions on Maturity   Withdrawals    Facility     Switches      Insurance   u/s 80 C, 80D       U/s 10 (10 D)




Entry Age                  30 days to 60 yrs                                    New Critical Conditions
                                                         More Commission
                                                                                New Surgical Assistance
                                                           For Advisors
Policy Term                20 to 30 years                                           Term Life Rider
                                                                                   ADB & TPD Rider
Maturity Age               20 to 80 years
                                                             Guaranteed
Min. Annual Premium        10,000                         250% addition of
                                                                                              FMC
                                                         First Year Premium
                                                                               New Corporate Fund 1.25%
Allocation Charges         45% in 1st year
                           5% in subsequent years                                 New Gilt Fund        1.25%
                           2 % for Top Ups                 Can increase         New Money Market 1.25%
                                                          Your Fund Value
                                                                                 New Equity Fund 1.35%
Admin Charges              Rs.40 per month               Through TOP UPs
                                                                                New Infrastructure 1.35%
Surrender / PW             20% in 4th year                                      New Midcap Fund 1.35%
Charges                    10% in 5th year               Family Protection       New Energy Fund 1.35%
                           Nil from 6th year               Through Life
                                                                                 New Pure Equity 1.35%
                                                          Cover & Riders
                                                                                    New Fund C 1.30%

                                                                                A Reliance Capital company
Reliance Super Invest Assure Plus Plan

   Premium reduction upto         Product Features         RSIP Plus Basic                RSIP Plus Term 10
  25% in 2nd & 3rd policy years
                                  Entry Age                30 days to 60 years            30 days to 65 years

                                  Policy Term              15 to 30 years                 FIXED 10 Years
  52 Free           Partial
  Switches       Withdrawals      Maturity Age             15 to 75 years                 10 to 75 years

                                  Min. Annual Premium      Rs.20000                       Rs.20000
        Critical Illness
    Major Surgeries Benefit       Premium Modes            Regular Premiums only          Regular Premiums only
  ADB & TPD, Term Life Rider
                                  Admin Charges            40 per month                   40 per month
Fund Management Charges
New Corporate Fund 1.25%          Surrender / PW Charges   20% in 4th year
 New Gilt Fund          1.25%                              10% in 5th year
                                                           Nil from 6th year onwards
 New Money Market 1.25%
 New Equity Fund 1.35%            Allocation Charges       20k to 50k – 30%
                                                           50k to 1 lac – 20%
 New Infrastructure 1.35%                                  Next 2 Lacs – 15%, Above 3 Lacs – 11%
 New Midcap Fund 1.35%                                     2nd & 3rd Year – 5%, 4th & 5th year – 3%, thereafter 2%
                                                           Top Ups : 2 %
 New Energy Fund 1.35%
 New Pure Equity        1.35%     Top Up Charges                 2%
  New Fund C          1.30%

                                                                                        A Reliance Capital company

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Quantum F O C E Pendant

  • 1. Reliance Premier Life Plan 94% Fund Allocation Nominee gets Tax Benefits u/s 52 Free In the 1st year. SA + FV 80 C & 10 (10 D) Switches 100% subsequent yrs On death of LA Of the IT Act, 1961 Max Sum Assured Age 18 to 40 yrs – 30 times * AP Age 41 to 45 yrs – 20 times * AP Age 46 to 50 yrs – 15 times * AP Product Features RPL Basic Plan RPL Term 10 Plan Age 51 to 55 yrs – 10 times * AP Age 56 & above – 5 times * AP Entry Age 18 to 65 years 18 to 70 years Policy Term 15 to 30 years 10 years FIXED Maturity Age 33 to 80 Years 28 to 80 Years FMC New Money Market 1.25% Min. Annual Premium 35,000 35,000 New Corporate Fund 1.25% Admin Charges Rs.40 per month Rs.40 per month New Gilt Fund 1.25% New Equity Fund 1.35% Surrender / PW 20% in the 4th year, 20% in the 4th year, Charges 10% in the 5th year 10% in the 5th year New Infrastructure 1.35% Nil from 6th year Nil from 6th Year New Midcap Fund 1.35% Top Up Charges 1% 1% New Energy Fund 1.35% New Pure Equity 1.35% A Reliance Capital company
  • 2. Reliance Super Automatic Investment Plan 52 Free Tax Benefits Fund Switch Switches IT Act,1961 New Critical Conditions, Product Features RSAIP Basic Plan RSAIP Term 10 Plan New Surgical Assistance, ADB & TPD, Entry Age 30 days to 65 years 30 days to 70 years Term Life Riders Policy Term 15 to 30 years Fixed 10 YEARS Maturity Age 15 to 80 years 10 to 80 years Tailor Made (FMC) Min. Annual Premium 20,000(RP) 25,000(LP) 20,000 (RP) 50,000(SP) 30,000 (SP) New Money Market 1.25% New Corporate Fund 1.25% Premium Modes RP / SP / LP RP / SP only Admin Charges Rs.40 per month Rs.40 per month New Gilt Fund 1.25% New Equity Fund 1.35% Surrender / PW Charges 20% in the 4 year th 20% in the 4 year th 10% in the 5th year New Infrastructure 1.35% 10% in the 5th year Nil from 6th year Nil from 6th year New Midcap Fund 1.35% Allocation Charges 1st Year – 20% 1st Year – 20% New Energy Fund 1.35% 2nd & 3rd yr – 3% 2nd & 3rd yr – 3% New Pure Equity 1.35% 4th & 5th yr – 2% 4th & 5th yr – 2% 6th & above - 1% 6th & above - 1% Ready Made (FMC) SP & Top Up Charges 2% 2% Fund A 1.35% Fund B & C 1.30 % A Reliance Capital company
  • 3. Reliance Super MRP 52 Free Tax Benefits Tax Benefits Top Up Partial Switches U/s 80 C, 80 D U/s 10 (10 D) Facility Withdrawals Product Features RSMRP Basic Plan RSMRP Term 10 Plan Entry Age 30 days to 65 years 30 days to 70 years Policy Term 15 to 40 years FIXED 10 Years New Critical Conditions New Surgical Assistance Maturity Age 15 to 80 years 10 to 80 years ADB & TPD Term Life Riders Min. Annual Premium 15000 (RP), 50000 (SP) 12000 (RP), 30000 (SP) Premium Modes RP / SP RP / SP Fund Management Charges Admin Charges Rs.40 per month Rs.40 per month New Balanced Fund 1.30% Surrender / PW Charges 20% in the 4th year, 20% in the 4th year, New Growth Fund 1.30% 10% in the 5th year 10% in the 5th year Nil from 6th Year Nil from 6th Year New Money Market 1.25% New Equity Fund 1.35% Allocation Charges 1st Year – 15% 1st Year – 15% 2nd & 3rd yr – 3% 2nd & 3rd yr – 3% New Infrastructure 1.35% 4th & 5th yr – 2% 4th & 5th yr – 2% New Midcap Fund 1.35% 6th & above - 1% 6th & above - 1% New Energy Fund 1.35% Top Up Charges 2% 2% New Pure Equity 1.35% New Fund C 1.30% A Reliance Capital company
  • 4. Reliance Super Golden Years Exchange 52 Free Top UP Tax Retirement Exciting Optional Option Switches Facility Benefits Planning Funds Life Cover Product RSGYP RSGYP RSGYP RSGYP RSGYP RSGYP Features Basic Term 10 Value Basic Value Plus Basic Plus Term 10 Term 10 Entry Age 18 to 59 yrs 18 to 65 yrs 18 to 59 yrs 18 to 65 yrs 18 to 59 yrs 18 to 65 yrs Min Policy Term 16 years Fixed 10 yrs 16 years Fixed 10 yrs 16 years Fixed 10 yrs Vesting Age Upto 75 years Premium Modes RSGYP Basic & Term 10 : Regular & Single RSGYP Value & Plus : Only Regular Mode Min Premium All Regular Premium : 20000 Single Premium (Super GYP Basic) 50000 , SP (SuperGYP Term10) : 30000 Life Cover RSGYP Basic & Term 10 : No Life Cover RSGYP Value& Plus : Life Cover Available Allocation Charges Regular Premium : 7.5 % in 1st year, 5% from 2nd to 10th year, 1% thereafter Single Premium & Top Ups : 2 % Fund Mgmt New Balanced (1.30%) , New Growth (1.30%), New Money market (1.25%), New Equity (1.35%), Charges New Pure Equity (1.35%), New Infrastructure (1.35%), New Energy (1.35%), New Midcap(1.35%) Riders CIBR, MSABR, TLR, AD & TPDR (Riders only available with RSGYP Value & Plus) Admin Charges Rs.40 per month Surrender Charges 20% in 4th year, 10% in 5th year & from 6th year onwards : Nil Charges A Reliance Capital company
  • 5. Reliance Super Invest Assure Basic Plan 250% Guaranteed Partial TOP UP 52 Free Life Tax Benefits Tax Free returns Additions on Maturity Withdrawals Facility Switches Insurance u/s 80 C, 80D U/s 10 (10 D) Entry Age 30 days to 60 yrs New Critical Conditions More Commission New Surgical Assistance For Advisors Policy Term 20 to 30 years Term Life Rider ADB & TPD Rider Maturity Age 20 to 80 years Guaranteed Min. Annual Premium 10,000 250% addition of FMC First Year Premium New Corporate Fund 1.25% Allocation Charges 45% in 1st year 5% in subsequent years New Gilt Fund 1.25% 2 % for Top Ups Can increase New Money Market 1.25% Your Fund Value New Equity Fund 1.35% Admin Charges Rs.40 per month Through TOP UPs New Infrastructure 1.35% Surrender / PW 20% in 4th year New Midcap Fund 1.35% Charges 10% in 5th year Family Protection New Energy Fund 1.35% Nil from 6th year Through Life New Pure Equity 1.35% Cover & Riders New Fund C 1.30% A Reliance Capital company
  • 6. Reliance Super Invest Assure Plus Plan Premium reduction upto Product Features RSIP Plus Basic RSIP Plus Term 10 25% in 2nd & 3rd policy years Entry Age 30 days to 60 years 30 days to 65 years Policy Term 15 to 30 years FIXED 10 Years 52 Free Partial Switches Withdrawals Maturity Age 15 to 75 years 10 to 75 years Min. Annual Premium Rs.20000 Rs.20000 Critical Illness Major Surgeries Benefit Premium Modes Regular Premiums only Regular Premiums only ADB & TPD, Term Life Rider Admin Charges 40 per month 40 per month Fund Management Charges New Corporate Fund 1.25% Surrender / PW Charges 20% in 4th year New Gilt Fund 1.25% 10% in 5th year Nil from 6th year onwards New Money Market 1.25% New Equity Fund 1.35% Allocation Charges 20k to 50k – 30% 50k to 1 lac – 20% New Infrastructure 1.35% Next 2 Lacs – 15%, Above 3 Lacs – 11% New Midcap Fund 1.35% 2nd & 3rd Year – 5%, 4th & 5th year – 3%, thereafter 2% Top Ups : 2 % New Energy Fund 1.35% New Pure Equity 1.35% Top Up Charges 2% New Fund C 1.30% A Reliance Capital company