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This document discusses various options for saving money and investing in insurance plans. It notes that over 90% of advisors recommend saving money on a yearly, half-yearly, or quarterly basis through SIP or ECS. It provides examples of saving Rs. 1 lakh for 10 or 16 years with a moneyback option, showing the lump sum and pension amounts received on maturity and death. Other options presented include receiving tax-free maturity amounts up to Rs. 44 or 37 lakh with insurance coverage of up to Rs. 1.44 or 2.37 crore over a 21 year saving period. The document encourages selecting an insurance plan to provide future cash flows, premium waivers, lump sums for nominees, and
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3. At retirement (age 60 or older), up to 60% can be withdrawn tax-free, with the remainder used to purchase an annuity from an insurance company.
4. NPS offers mobility and portability
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- 3. Are you completed one round of Online Discussion? Y E S Watch this PPT NO Call us to fix an appointment Note: This is not F2F discussion. We will be using Screenleap.com.
- 4. Money Rotation ROI 7.2% = 10.5% Bank ROI Normal ROI 7.8% = 11.3% Bank ROI Savings Object Save Tax u/s 10(10D)
- 5. Return Yield 13.46% = 21% Bank ROI Saving Vs Tax Saving 6 lack 13 lakh Saving Vs Return 6 lack 22 lakh
- 6. More than 90% of advisors recommends to save money in Yearly/Hly/Qly mode. Monthly Saving(SIP or ECS) Save Upto 9% !
- 8. Service Tax Mortality Rate Reduced Minimum SA is increased – Exp will decrease Entry Age decreased Change in Portfolio Management approach Claims ratio is decreased Yield on Investment is increasing YOY Max Age Limit reduced – 50 (Old Limit 65)
- 18. Save Rs 1 lakh for 16 Years with MR option Pension - Frist 10 Yrs Rs 1.60 lakh - From 11th year Rs 3.2 lakh Also receive Rs 44.7 lakh on death.
- 19. On Maturity Your Dream Cash Flow On Death G1 - All future premiums will be waived G2 – 15 Lac Lump to your nominee G3 – Thereafter Payout of Rs 1.5 Lac PA till Maturity G4 – Again maturity amount .
- 21. On Maturity - Options to receive Lump Sum or Pension for next 102030 Years On Death -All future premiums will be waived -25 Lac Lump to your nominee and thereafter Payout of Rs 2.5 Lac PA till Maturity - Again maturity Options to receive Lump Sum or Pension for next 102030 Years
- 23. Save Rs 1 lakh for 10 Years with MR option Receive Lump Sum of Rs 30 lakh OR Pension 4.5 lac for next 10 yrs OR Pension 3 lac for next 20 yrs
- 30. Receive Tax Free Maturity Amount 44 lakh 37 lakh Enjoy Insurance Coverage Upto 1.44 Cr 2.37 Cr Saving for 21 Years 1,00,000
- 35. Thank You