Money Plant Financial Services provides various financial planning services including insurance planning, tax planning, investment planning, retirement planning, and more. It aims to provide optimal financial solutions to individuals. The company represents clients, not any specific fund houses or insurance companies. It assists clients in developing financial goals and implementing financial plans through products like life insurance, health insurance, mutual funds, fixed deposits, bonds, and real estate investments. The document provides details on various financial products and services offered by the company.

1. Money Plant Financial Services
All your Financial Needs met at One Point
| Insurance Planning | Tax Planning | Investment Planning |
| Retirement Planning |

2. Money Plant Financial
Services
About Us
Money Plant Financial Services is a Professional Organization
aimed at providing optimum solutions to Individuals in the
area of Investments, Insurance and Tax Planning
Mission
“To Provide optimized Financial Solution to our Clients and
help them for a Better Financial Planning.”
Core Values
| Trust | Transparency | Safety | Service |

3. Why you Need Us
 We represent the client, not any Fund House or insurance
Company
 We have expertise, knowledge of market and negotiating skills
 We are accountable to our clients for professional negligence
 We are more aware of national and international markets
 We assist in speedy and fair settlement of claims
 We help you evaluate the ‘terms’ and ‘service’ you are enjoying
today vis-à-vis the ‘best’ available in today’s competitive
market – take advantage of competition.

4. Financial Planning Process
1 2
Determine current Develop your
Financial Situation Financial Goals
6 3
Review and revise the Identify alternative
Financial plan Courses of Action
5 4
Create and Implement Evaluate Alternatives
your Financial plan Assess: Risk & TVM

5. Services offered
 Life Insurance
 Health Insurance
 General Insurance
 Mutual Fund
 Fixed Deposit
 Bonds
 Real Estate Investment

6. Life
Insurance
Why life Insurance
There are countless reasons why people buy life insurance. Here 5 really
good ones:
 Adequately planned life insurance will provide funds in the
case of unexpected death or day-to-day living expenses.
 Life insurance policies can also have a savings or pension
provision which can help to fund you during retirement.
 Some policies have riders such as ADBR,CIBR for the
children or spouse.
 In case of bankruptcy the cash value, together with the death
benefits, of any insurance policy is exempt from your
creditors.
 Term life insurance has double benefits as it protects and you
can also your money back during strategic points in your life.

7. When to review insurance
portfolio
 Increase in assets
 Increase in liabilities/Loans
 Increase in earnings
 Increase in inflation rate

8. Life
Insurance
What we cover under Life Insurance:
 Term Insurance
 Child Education Planning
 Retirement Planning
 Health Insurance
 Long Term Investment Planning
 Endowment Plans

9. Term
Insurance
Term insurance is a type of life insurance policy
that provides coverage for a certain period of time, or a
specified “term” of years. If the insured dies during the time
period specified in the policy and the policy is active - or in
force - then a death benefit will be paid.
Term insurance is initially much less expensive when compared
to permanent life insurance. Unlike most types of permanent
insurance, term insurance has no cash value.
Types of Term Insurance Plans
1. Single-premium term policies
2. Regular-premium term plans
3. Term policies with a return of premium
4. Loan cover term assurance

10. Child Education
Planning
One of the most important responsibilities you have as a parent is
to ensure that your child gets the best possible education that
can be provided. As a parent, you want to ensure that their
development is not hampered either due to rising costs or
unforeseen circumstances.
Today there are ULIPs that offer money at key milestones of your
child’s education thus ensuring that your child’s education
continues unhampered even if something unfortunate happens
to you. While, the death of a parent is an irreparable emotional
loss, child education plans safeguard the child against the
financial ramifications of the death of a parent.

11. Retirement Planning
Retirement is the end of active employment and brings with it the
cessation of regular income. Today an increasing number of
people have stated planning for their retirement for below
mentioned reasons
 Developments in the healthcare space has lead to an increase in
life expectancy
 Protection of Lifestyles
 The Compounding Effect of Money
 Protection for Spouse/ Dependents
 Cost of living is increasing at an alarming rate
Pension plans from insurance companies ensure that regular,
disciplined savings in such plans can accumulate over a period
of time to provide a steady income post-retirement.
In a retirement plan, the earlier you begin the greater you gain
post retirement due to the power of compounding.

12. Health Insurance
Shocking Truths
 18% of the urban population suffers from hypertension, which leads to renal
failure, stroke and cardio-vascular diseases
 30% of the population suffers heart attacks before age 40
 66% of deaths today are due to cardio-vascular diseases
 Almost 3.5 million Indians suffer from diabetes
 Cardio-vascular diseases (CVDs) like heart disease and stroke are the main
causes of death and disability
Selecting the Right Plan
When choosing a health insurance plan, ensure that the plan:
 Provide you guaranteed long-term coverage for you and your family
 Have very clear and transparent coverage and renewal norms
 Provide a hassle free claims process
 Provide you adequate sum assured in line with your lifestyle
 Has a mix of reimbursement and fixed benefits to meet both direct and
indirect costs due to illness

13. Health Insurance
Reason 1: Lifestyles have changed. Indians today suffer from high
levels of stress. Long hours at work, little exercise, and a consequent
dependence on junk food have weakened our immune systems and
put us at an increased risk of contracting illnesses
Reason 2: Rare non-communicable diseases are now common. Obesity,
high blood pressure, strokes, and heart attacks now affect an
increasing number of urban Indians.
Reason 3: Medical care is unbelievably expensive: Medical
breakthroughs have resulted in cures for dreaded diseases. These
cures, however, are available only to a select few.
Reason 4: Indirect costs add to the financial burden: Indirect sources of
expense—travel, boarding and lodging, and even temporary loss of
income—account for as much as 35% of the overall cost of treatment.
Reason 5: Incomplete financial planning: Complete financial planning
includes saving for an uncertain future, children’s education,
retirement and the most important aspect of your life – your health.

14. General
Insurancewe cover under Life Insurance
What
 Health Insurance
 Motor Insurance
 Travel Insurance

15. Mutual
Fund are professionally managed forms of collective
Mutual funds
investments that pool money from many investors and
investing it in stocks, Bonds, and/or other securities
Types of Mutual Funds Scheme in India
The composition of the fund may vary from scheme to scheme
and the fund manager’s outlook on various scrips. The Equity
Funds are sub-classified depending upon their investment
objective, as follows:
Diversified Equity Funds
Mid-Cap Funds
Sector Specific Funds
Tax Savings Funds (ELSS)
Equity investments are meant for a longer time horizon. Equity
funds rank high on the risk-return matrix

16. Mutual
FundEquity Linked Savings Schemes (ELSS)
ELSS is the mirror image of a diversified equity fund. This
means the fund manager will invest in shares of various
companies across various industries. What sets it apart is
the added tax benefit, something a diversified equity fund does
not offer. ELSS funds have a lock-in period of three years.

17. Fixed Deposits
A fixed deposit is meant for those investors who want to deposit a
lump sum of money for a fixed period; say for a minimum
period of 15 days to five years and above, thereby earning a
higher rate of interest in return.
Features
Bank deposits are fairly safe because banks are subject to
control of the Reserve Bank of India (RBI) with regard to
several policy and operational parameters. The thing to
consider before investing in an FD is the rate of interest and the
inflation rate. A high inflation rate can simply chip away your
real returns.
We suggest our clients, the best debt instruments like Fixed
Deposits time to time

18. Bonds
A bond is a loan you make to an institution. You can make the
loan to the Indian government, a state, a local municipality or
to a company. Companies and governments need this money to
finance projects like new buildings and roads.
Bonds are a vital part of the global capital markets and are
essential for any investor's portfolio.
The Benefits of Bonds:
• Financial Security
• Portfolio Balance & Diversification
• Tax breaks
• Weighing the Risks
We suggest our clients, the best debt instruments like Bonds time
to time based upon the requirement

19. Reaching Us
Address:108/3, Sri Ranga Building, 7th A Cross,
Thavarekere Main Road, DRC Post, Bangalore-560029
Ph: 080-40928340, 8339, 8434. Mob: 9986320305
E-Mail: way2mpfs@gmail.com, ranganatha@insurer.com

20. Thank you