Securing one's family's future is the document writer's top priority. The ICICI Pru iCare II plan allows one to protect their family financially even in the event of one's unfortunate death. The plan offers flexibility to choose coverage amounts and payment options. It provides a death benefit equal to the chosen sum assured, and an additional accidental death benefit up to Rs. 50 lakhs. The plan aims to ensure one's family is financially secure and comfortable without worries, even in one's absence.
Aviva Health Secure is a health insurance plan that pays you a lump sum amount in case you are diagnosed with any critical illness and procedures as listed ahead.
LIC's New Money Back Plan-20 yearsย is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.
Aviva Health Secure is a health insurance plan that pays you a lump sum amount in case you are diagnosed with any critical illness and procedures as listed ahead.
LIC's New Money Back Plan-20 yearsย is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.
Bajaj Allianz Life Long Assure| Retirement Insurance Solution Harshit2014
ย
Bajaj Allianz developed Lifelong Assure - a unique plan that provides you income & protection till your 100 birthday so that you can live worry-free for a lifetime.
Key Advantages
โข Cash Bonus starting from the end of 6th year.
โข Guaranteed Cash Back starting from the end of Premium Payment Term.
โข Life cover up to the age of 100 years.
โข Guaranteed Death Benefit of up to 300% of Sum Assured depending on the PPT chosen.
โข Option to take policy benefit in monthly installments.
โข Choice of 3 premium payment terms, viz., 10, 15 and 20 years.
โข More value for money with high sum assured rebate.
โข Attractive rates for female lives.
Bajaj Allianz Life Long Assure โwith maturity benefit between 200-300 % of sum assured.
LICโs New Jeevan Nidhi Plan is a conventional with profits pension plan with a combination of protection and saving features. This plan provides for death cover during the deferment period and offers annuity on survival to the date of vesting.
This Financial Services Guide sets out the services that we can offer you. It is designed to assist you in deciding whether to use any of those services and contains important information about the services we off, how we can and others are paid, any potential conflict of interest we may have and our internal and external dispute resolution procedures and how you can access them. http://savillhickscorp.com.au/
Money Back Plan in India | Money Back InsuranceHarshit2014
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Bajaj Allianz Invest Assure is a plan that gives you assured protection with financial benefits It takes only a moment to make promises and a lifetime to keep them. When you promise to see your family through thick and thin, you need to make sure that you have planned for all the eventualities that may befall on them.
E-Brochure for Kotak Premier Moneyback PlanviralAgarwal
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"Kotak Premier Moneyback Plan is a Savings cum Insurance Plan that provides
lump-sum payouts at regular intervals. Refer to this brochure to know more."
E-Brochure For Kotak e-term Plan - Kotak LifeShaunakPatel19
ย
Kotak e-Term Plan โ a specially designed pure risk cover plan that provides protection to your loved ones. This plan offers the option to enhance your coverage against Accidental Death, Total and Permanent Disability.
Max Life Whole Life Super, a life insurance plan in which you
pay premiums for only a limited number of years and enjoy protection up to the age 100 years.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
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Your family relies on your wellbeing for comfort, happiness, and security, so you would always want to ensure the future of your family. Should your absence be treated any differently? Introducing Kotak Saral Jeevan Bima, a pure risk cover programme that safeguards your loved ones.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
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Your presence creates a constant sense of security for your family. Should your absence be treated any differently? Introducing Kotak Saral Jeevan Bima, a pure risk cover plan that protects your loved ones.
Bajaj Allianz Life Long Assure| Retirement Insurance Solution Harshit2014
ย
Bajaj Allianz developed Lifelong Assure - a unique plan that provides you income & protection till your 100 birthday so that you can live worry-free for a lifetime.
Key Advantages
โข Cash Bonus starting from the end of 6th year.
โข Guaranteed Cash Back starting from the end of Premium Payment Term.
โข Life cover up to the age of 100 years.
โข Guaranteed Death Benefit of up to 300% of Sum Assured depending on the PPT chosen.
โข Option to take policy benefit in monthly installments.
โข Choice of 3 premium payment terms, viz., 10, 15 and 20 years.
โข More value for money with high sum assured rebate.
โข Attractive rates for female lives.
Bajaj Allianz Life Long Assure โwith maturity benefit between 200-300 % of sum assured.
LICโs New Jeevan Nidhi Plan is a conventional with profits pension plan with a combination of protection and saving features. This plan provides for death cover during the deferment period and offers annuity on survival to the date of vesting.
This Financial Services Guide sets out the services that we can offer you. It is designed to assist you in deciding whether to use any of those services and contains important information about the services we off, how we can and others are paid, any potential conflict of interest we may have and our internal and external dispute resolution procedures and how you can access them. http://savillhickscorp.com.au/
Money Back Plan in India | Money Back InsuranceHarshit2014
ย
Bajaj Allianz Invest Assure is a plan that gives you assured protection with financial benefits It takes only a moment to make promises and a lifetime to keep them. When you promise to see your family through thick and thin, you need to make sure that you have planned for all the eventualities that may befall on them.
E-Brochure for Kotak Premier Moneyback PlanviralAgarwal
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"Kotak Premier Moneyback Plan is a Savings cum Insurance Plan that provides
lump-sum payouts at regular intervals. Refer to this brochure to know more."
E-Brochure For Kotak e-term Plan - Kotak LifeShaunakPatel19
ย
Kotak e-Term Plan โ a specially designed pure risk cover plan that provides protection to your loved ones. This plan offers the option to enhance your coverage against Accidental Death, Total and Permanent Disability.
Max Life Whole Life Super, a life insurance plan in which you
pay premiums for only a limited number of years and enjoy protection up to the age 100 years.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
ย
Your family relies on your wellbeing for comfort, happiness, and security, so you would always want to ensure the future of your family. Should your absence be treated any differently? Introducing Kotak Saral Jeevan Bima, a pure risk cover programme that safeguards your loved ones.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
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Your presence creates a constant sense of security for your family. Should your absence be treated any differently? Introducing Kotak Saral Jeevan Bima, a pure risk cover plan that protects your loved ones.
Be a smart ULIP policy investor with Sampoorna Nivesh - a comprehensive, flexible ULIP Investment plan with life insurance benefits, reducing charges, loyalty benefits etc. To know more about Sampoorn Nivesh, Click here!
Protect yourself for whole of life with lifelong protection options with life and health insurance plans. To get more details visit https://www.hdfclife.com/documents/apps/c2p-health_retail_brochure20170828-123436.pdf
To learn more about thisplan visit https://www.hdfclife.com/term-and-health-insurance-plans/click-2-protect-health-plan
Buy Click 2 Protect Super from HDFC Life that provides you varying cover along with comprehensive protection as per your evolving needs. To know more about it, visit now!
It is always suggested to have a habit of savings as this will help our family in our absence to face all financial uncertain events.
https://www.bhartiaxa.com/savings-plans
We all are suggested to have a habit of savings. Because we all have to have a savings plan for financial protection of family. With more benefits of life coverage and many more.
https://www.bhartiaxa.com/savings-plans
Kotak e-Invest - a comprehensive Unit Linked Life Insurance Plan that can be customized as per your goals and requirements. Click here to know more about it.
Max Lifeโs Forever Young Pension Plan provides the benefits of offers a guarantee to protect your savings from market downturns. It also offers additional benefits to safeguard your family against unforeseen eventualities so that you and your loved ones live life on your own terms.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
"๐ฉ๐ฌ๐ฎ๐ผ๐ต ๐พ๐ฐ๐ป๐ฏ ๐ป๐ฑ ๐ฐ๐บ ๐ฏ๐จ๐ณ๐ญ ๐ซ๐ถ๐ต๐ฌ"
๐๐ ๐๐จ๐ฆ๐ฌ (๐๐ ๐๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐๐๐ญ๐ข๐จ๐ง๐ฌ) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
๐๐ ๐๐จ๐ฆ๐ฌ provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
โญ ๐ ๐๐๐ญ๐ฎ๐ซ๐๐ ๐ฉ๐ซ๐จ๐ฃ๐๐๐ญ๐ฌ:
โข 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
โข SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
โขFreenBecky 1st Fan Meeting in Vietnam
โขCHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
โข WOW K-Music Festival 2023
โข Winner [CROSS] Tour in HCM
โข Super Show 9 in HCM with Super Junior
โข HCMC - Gyeongsangbuk-do Culture and Tourism Festival
โข Korean Vietnam Partnership - Fair with LG
โข Korean President visits Samsung Electronics R&D Center
โข Vietnam Food Expo with Lotte Wellfood
"๐๐ฏ๐๐ซ๐ฒ ๐๐ฏ๐๐ง๐ญ ๐ข๐ฌ ๐ ๐ฌ๐ญ๐จ๐ซ๐ฒ, ๐ ๐ฌ๐ฉ๐๐๐ข๐๐ฅ ๐ฃ๐จ๐ฎ๐ซ๐ง๐๐ฒ. ๐๐ ๐๐ฅ๐ฐ๐๐ฒ๐ฌ ๐๐๐ฅ๐ข๐๐ฏ๐ ๐ญ๐ก๐๐ญ ๐ฌ๐ก๐จ๐ซ๐ญ๐ฅ๐ฒ ๐ฒ๐จ๐ฎ ๐ฐ๐ข๐ฅ๐ฅ ๐๐ ๐ ๐ฉ๐๐ซ๐ญ ๐จ๐ ๐จ๐ฎ๐ซ ๐ฌ๐ญ๐จ๐ซ๐ข๐๐ฌ."
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Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
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Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
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A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
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This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
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HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
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2. You strive to provide comfort, happiness and security to your family. Even if something unfortunate were to happen to you,
youwouldwantyourfamily'sfuturetobesecuredatalltimes.
With ICICI Pru iCare II, protect your family's future and ensure that they lead their lives comfortably without any financial
worries,eveninyourabsence.
Key Features
Flexibilitytochooseprotectioncoverbasedonyourneedsfrom:
1.ChoosebetweenoptionIandoptionIIbasedonyourprotectionneeds.
2. Select a Sum Assured as per your requirements.
Introduction
Insurancecoveratextremelyaffordablepremiums
T&C3
Taxbenefitsonthepremiumspaid
Minimum/Maximum
age at entry
At A Glance
Maximum age at maturity
Premium payment options
Policy term
Accidental Death Benefit
(Only with iCare II Option II)
Minimum Premium
(Annual premium/Single premium)
Minimum Sum Assured that
can be chosen
Maximum Sum Assured that can
be chosen
Mode of premium payment
Tax benefits
18 / 60 years (age last birthday)
65 years (age last birthday)
Regular Pay , One Pay
Regular Pay: 5/10/15/20/25/30 years
One pay: 5/10 years
Equal to Sum Assured chosen by you,
subject to a maximum of ` 50 lakhs
` 2,400 excluding service tax and
cesses, as applicable
Unlimited
Regular Pay: Yearly, Half-yearly and Monthly
One Pay: Single premium
Premium paid towards the policy will be
eligible for tax benefits u/s 80C of the
T&C3
Income Tax Act, 1961
How does the plan work?
For annual premium paying Regular Pay
policies with the following characteristics,
the minimum Sum Assured is as follows:
Minimum Sum Assured
Age Policy Term Option I Option II
60
18
5
30
` 87,423 ` 85,875
` 3,06,478 ` 2,88,257
Option I: Death benefit equal to Sum Assured chosen by you
T&C2
Option II: An additional death benefit equal to Sum Assured chosen
by you or ` 50 lakhs, whichever is lower, payable only in case of death
due to accident. This option is available only with the
RegularPayoption
3. 3. Fill in your personal details and answer some simple questions
relatedtoyourhealth.
4. Select either One Pay or Regular Pay premium payment option,
andmakepayment.
Maturity or paid-up or survival benefitDeath Benefit
In the unfortunate event of the death of the Life Assured during the term of
the policy, the nominee shall receive the following death benefit:
#
Accidental Death Benefit - An amount equal to the Sum Assured chosen by
you (subject to a maximum of ` 50 lakhs) will be paid only in the unfortunate
T&C2
eventofdeathoftheLifeAssuredduetoanaccident .
The above benefit will be payable, only if all due premiums have been paid and
thepolicyisinforce.
Theabovedeathbenefitisinlinewithregulations,reproducedbelow.
Table 2: Minimum death benefit
There is no maturity, paid-up value or survival benefit available under this product.
Surrender
IncaseofRegularPay,yourpolicydoesnothaveasurrendervalue.
IncaseofOnePay,theSurrenderValuewillbecalculatedasgivenbelow:
SurrenderValue=SurrenderValueFactor*SinglePremium
SurrenderValueFactorsareprovidedbelow:
Illustration
The table below provides annual premium, for a Regular Pay option (exclusive
of service tax and cesses, as applicable) for various combinations of age and
SumAssuredforahealthymale,optingforapolicytermof25years.
+ICICI Pru iCare II Option II offers an additional Accidental Death Benefit
equal to the Sum Assured (subject to a maximum of ` 50 lakhs).This will
be paid out in the unfortunate event of death of the Life Assured due to an
T&C2
accident .
Table 1:
Policy year of
surrenderPolicy Term
5 years 10 years
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
30%
25%
15%
10%
0%
N/A
N/A
N/A
N/A
N/A
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
Benefits in Detail
Plan type Benefit paid out to the nominee
iCare II Option I
iCare II Option II
(applicable only for
Regular Pay option)
Sum Assured chosen by you (absolute amount assured
to be paid on death)
Sum Assured chosen by you
#
PLUS Accidental Death Benefit
(absolute amount assured to be paid on death)
Age at entry less than
45 years
One Pay
R e g u l a r Pa y,
where the policy
term is five years
or more but less
thantenyears
Age at entry 45 years
and above
Highest of 125% of the single
premium or any absolute
amount assured to be paid on
death.
Highest of 110% of the single
premium or any absolute
amount assured to be paid on
death.
Highest of 5 times the annualised
premium or 105% of all the
premiums paid as on date of
death or any absolute amount
assuredtobepaidondeath.
Highest of 5 times the
annualised premium or 105%
of all the premiums paid as on
date of death or any absolute
amount assured to be paid on
death
Regular Pay,
where the policy
term is greater
than or equal
to10years
Highest of 10 times the
annualised premium or 105% of
all the premiums paid as on
date of death or any absolute
amount assured to be paid
ondeath.
Highest of 7 times the
annualised premium or 105%
of all the premiums paid as on
date of death or any absolute
amount assured to be paid on
death.
For this product:
Hence for this product, death benefit is as shown in Table 1.
For One Pay, Sum Assured as chosen by you is always greater than
125%/110%ofsinglepremium,asapplicable.
For Regular Pay, Sum Assured as chosen by you is always greater than
5/10/7timesannualpremium,asapplicableand105%ofpremiumspaid.
iCare II Option I iCare II Option II+Age (years)/
Sum Assured
(`) 25 lakhs 50 lakhs 75 lakhs 25 lakhs 50 lakhs 75 lakhs
30
35
40
5,475
7,400
10,625
7,600
10,700
15,850
10,500
14,925
22,350
6,725
8,650
11,875
10,100
13,200
18,350
13,000
17,425
24,850
N/A = Not applicable
4. Terms and Conditions
1. Freelook period: Ifyouarenotsatisfiedwiththepolicy,youmaycancelit
byreturningthepolicydocumenttotheCompanywithin:
โข 15 days from the date you received it, if your policy is not purchased
throughDistancemarketing*
โข 30 days from the date you received it, if your policy is purchased
throughDistancemarketing*
On cancellation of the policy during the free look period, we will return the
premiumpaidsubjecttothedeductionof:
a. Stampdutypaidunderthepolicy,
b. ExpensesbornebytheCompanyonmedicalexamination,ifany
c. Proportionateriskpremiumfortheperiodofcover
The policy shall terminate on payment of this amount and all rights,
benefitsandinterestsunderthispolicywillstandextinguished.
*Distance marketing includes every activity of solicitation (including lead
generation) and sale of insurance products through the following modes: (i)
Voice mode, which includes telephone-calling (ii) Short Messaging service
(SMS) (iii) Electronic mode which includes e-mail, internet and interactive
television (DTH) (iv) Physical mode which includes direct postal mail and
newspaper & magazine inserts and (v) Solicitation through any means of
communicationotherthaninperson.
2. Accidental Death Benefit: For the purpose of Accidental Death Benefit
payableonaccidentthefollowing conditionsshallapply:
a.Deathduetoaccidentshouldnotbecausedbythefollowing:
i. Attempted suicide or self inflicted injuries while sane or insane, or
whilst the Life Assured is under the influence of any narcotic
substanceordrugorintoxicatingliquor;or
ii. Engaging in aerial flights (including parachuting and skydiving)
other than as a fare paying passenger on a licensed passenger-
carrying commercial aircraft (being a multi-engined aircraft)
operatingonaregularscheduledroute;or
iii. The Life Assured with criminal intent, committing any breach of
law;or
iv. Duetowar,whetherdeclaredornotorcivilcommotion;or
v. Engaging in hazardous sports or pastimes, e.g. taking part in (or
practising for) boxing, caving, climbing, horse racing, jet skiing,
martial arts, mountaineering, off piste skiing, pot holing, power
boat racing, underwater diving, yacht racing or any race, trial or
timedmotorsport.
b.Death due to accident must be caused by violent, external and
visiblemeans.
c. The accident shall result in bodily injury or injuries to the Life Assured
independently of any other means. Such injury or injuries shall, within
180 days of the occurrence of the accident, directly and
independently of any other means cause the death of the Life
Assured. In the event of the death of the Life Assured after 180 days
of the occurrence of the accident, the Company shall not be liable to
paythisbenefit.
d.Thepolicymustbein-forceatthetimeofaccident.
e. TheCompanyshallnotbeliabletopaythisbenefitincasethedeathof
theLifeAssuredoccursafterthedateofterminationofthepolicy.
3. Tax benefits: Tax benefits under the policy are subject to conditions u/s
80C and 10 (10D) of the Income Tax Act, 1961. Service tax and education
cess will be charged extra, as per applicable rates. The tax laws are
subjecttoamendmentsfromtimetotime.
4. Suicide clause: If the Life Assured whether sane or insane, commits
suicide within one year from the date of commencement of this policy,
the policy shall be void and the policy will terminate. The Company will
refund the premium and all rights, benefits and interests under this policy
willstandextinguished.
In the case of a reinstated Regular Pay policy, if the Life Assured, whether
sane or insane, commits suicide within one year from the date of
reinstatement of the policy the Company will refund 80% of the
premiumspaidtillthedateofdeath.
5. Grace period: A grace period for payment of premium of 15 days applies
for monthly premium payment mode and 30 days for other modes of
premium payment. If the premium is not paid within the grace period,
thepolicyshalllapseandcoverwillcease.
5. 6. Premium discontinuance: If the premium is not paid either on the
premium due date or within the grace period, all benefits under this policy
will cease. No benefit shall become payable in case of death of the Life
Assured while the policy is in lapsed condition. This is applicable only for
RegularPayoption.
7. Policy revival: Policy revival is applicable only for Regular Pay option. A
policy, which has lapsed for non-payment of premium within the days of
grace,mayberevivedsubjecttothefollowingconditions.
โข The application for revival is made within 2 years from the due
date of the first unpaid premium and before the termination date
of policy. Revival will be based on the prevailing Board approved
underwritingpolicy.
โข The Policyholder furnishes, at his own expense, satisfactory
evidenceofhealthoftheLifeAssuredasrequiredbytheCompany.
โข The arrears of premiums together with interest, at such rate as
theCompanymaychargeforlatepaymentofpremiumsarepaid.
Therevivalofthepolicymaybeontermsdifferentfromthoseapplicableto
the policy before it lapsed for example, extra mortality premiums or
charges may be applicable. The Company reserves the right to refuse to
re-instate the policy. The revival will take effect only on its being
specificallycommunicatedbytheCompanytothePolicyholder
8. Sum Assured and plan type once chosen at the inception of the policy
cannotbechanged.
9. Noloansareallowedunderthispolicy.
10.The bases for computing Surrender Value factors will be reviewed from
time to time and the factors applicable to existing business may be
revisedsubjecttothepriorapprovaloftheIRDA.
11.Section 41: In accordance with Section 41 of the Insurance Act, 1938,
no person shall allow or offer to allow, either directly or indirectly, as an
inducement to any person to take or renew or continue an insurance in
respectof any kindof riskrelatingto livesor propertyin India,any rebateof
the whole or part of the commissionpayableor any rebateof the premium
shown on the policy, nor shall any person taking out or renewing or
continuing a policy accept any rebate, except such rebate as may be
allowed in accordance with the published prospectuses or tables of
theinsurer.
Provided that acceptance by an insurance agent of commission in
connection with a policy of life insurance taken out by himself on his own
lifeshallnotbedeemedtobeacceptanceofarebateofpremiumwithinthe
meaningof this sub sectionif at the time of such acceptancethe insurance
agent satisfiesthe prescribedconditionsestablishingthat he is a bona fide
insuranceagentemployedbytheinsurer.
Any person making default in complying with the provisionsof this section
shallbepunishablewithfinewhichmayextendtofivehundredrupees.
12.Section 45: No policy of life insurance effected before the
commencementofthisActshallaftertheexpiryoftwoyearsfromthedate
of commencementof this Act and no policy of life insurance effected after
thecomingintoforceofthisActshall,aftertheexpiryoftwoyearsfromthe
date on which it was effected be called in question by an insurer on the
ground that statement made in the proposal or in any report of a medical
officer, or referee,or friendof the insured,or in any otherdocumentleading
to the issue of the policy, was inaccurateor false,unlessthe insurershows
that such statementwas on a materialmatteror suppressedfactswhichit
was material to disclose and that it was fraudulently made by the
policyholderandthatthepolicyholderknewatthetimeofmakingitthatthe
statement was false or that it suppressed facts which it was material
todisclose.
Providedthatnothinginthissectionshallpreventtheinsurerfromcallingfor
proof of age at any time if he is entitled to do so, and no policy shall be
deemedto be calledin questionmerelybecausethetermsof thepolicyare
adjusted on subsequent proof that the age of the life insured was
incorrectlystatedintheproposal.
13.In case of fraud or misrepresentation, the policy shall be cancelled
immediately by paying the surrender value, if any, subject to the fraud or
misrepresentation being established by the Company in accordance with
Section45oftheInsuranceAct,1938
14.For further details, please refer to the policy document and the
benefitillustration.
6. About ICICI Prudential Life Insurance
ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, a premier financial powerhouse, and Prudential plc, a
leading international financial services group. ICICI Prudential began its operations in December 2000 after receiving approval from
InsuranceRegulatoryDevelopmentAuthority(IRDA).
ICICI Prudential Life Insurance has maintained its focus on offering a wide range of flexible products that meet the needs of the Indian
customerateverystepinlife.
ยฉ 2014, ICICI Prudential Life Insurance Co. Ltd. Registered Address:- ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025..
Insurance is the subject matter of the solicitation. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before
concludingasale.ICICIPruiCareII.UIN-105N140V01.FormNo.:T38,T39andT41.Advt.No.:L/IC/1435/2013-14.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
๏ IRDAoritsofficialsdonotinvolveinactivitieslikesaleofanykindofinsuranceorfinancialproductsnorinvestpremiums.
๏ IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with
detailsofphonecall,number.
IRDA clarifies to public that
ICICI Prudential Life Insurance Company Limited. IRDA Regn. No. 105. CIN: U66010MH2000PLC127837.