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
• Cash Bonus starting from the end of 6th year.
• Guaranteed Cash Back starting from the end of Premium Payment Term.
• Life cover up to the age of 100 years.
• Guaranteed Death Benefit of up to 300% of Sum Assured depending on the PPT chosen.
• Option to take policy benefit in monthly installments.
• Choice of 3 premium payment terms, viz., 10, 15 and 20 years.
• More value for money with high sum assured rebate.
• Attractive rates for female lives.
Bajaj Allianz Life Long Assure “with maturity benefit between 200-300 % of sum assured.
Money Back Plan in India | Money Back InsuranceHarshit2014
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.
LIC's Jeevan Shagun is a participating, non-linked, savings cum protection single premium plan wherein the risk cover is a multiple of single premium.
The proposer will have an option to choose the Maturity Sum Assured. The single premium payable (exclusive of service tax) shall depend on the chosen amount of Maturity Sum Assured and age of the life assured.
A percentage of Maturity Sum Assured shall be payable on surviving to the end of the specified durations and on maturity. This plan also takes care of liquidity need through its loan facility. The plan will be open for sale for a maximum period of 90 days from the date of launch.
Money Back Plan in India | Money Back InsuranceHarshit2014
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.
LIC's Jeevan Shagun is a participating, non-linked, savings cum protection single premium plan wherein the risk cover is a multiple of single premium.
The proposer will have an option to choose the Maturity Sum Assured. The single premium payable (exclusive of service tax) shall depend on the chosen amount of Maturity Sum Assured and age of the life assured.
A percentage of Maturity Sum Assured shall be payable on surviving to the end of the specified durations and on maturity. This plan also takes care of liquidity need through its loan facility. The plan will be open for sale for a maximum period of 90 days from the date of launch.
LIC's Single Premium Endowment Plan is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. This combination provides financial protection against death during the policy term with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.
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.
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LIC's New Money Back Plan-25 years 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.
Hi Friends,this presentation prepared by one of the LIC Official and this about the LIC's New Plan Jeevan Labh.Its pure traditional and non market linked plan,which provide good returns as well as Insurance Cover for life,which protect your family to unexpected financial crisis.Hope you like this presentation.For more details visit here : www.thepolicykart.com or call us :- 9711346765/7319758961 or mail us at :-info@thepolicykart.com
Kotak Guaranteed Savings Plan - Kotak LifeShaunakPatel19
The Kotak Guaranteed Savings Plan, which offers "Guaranteed" benefits, is offered by Kotak Life Insurance. It is a savings and protection-oriented plan. Therefore, have confidence, be prepared for whatever happens next, and enjoy your life.
E-Brochure For Kotak Guaranteed Savings Plan - Kotak LifeShaunakPatel19
The reality of life is uncertainty. Although you cannot escape it, you can always make plans to handle it more effectively. Kotak Life Insurance offers the Kotak Guaranteed Savings Plan, a savings and protection-oriented plan with "Guaranteed" advantages, to assist you in accomplishing the same.
E-Brochure For Kotak Assured Savings Plan - Kotak LifeShaunakPatel19
Kotak Assured Savings Plan provides reasonable insurance, but it also assists in the accumulation of money for future financial goals by providing assured rewards.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
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.
LIC's Single Premium Endowment Plan is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. This combination provides financial protection against death during the policy term with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.
Max Life Whole Life Super, a life insurance plan in which you
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LIC's New Money Back Plan-25 years 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.
Hi Friends,this presentation prepared by one of the LIC Official and this about the LIC's New Plan Jeevan Labh.Its pure traditional and non market linked plan,which provide good returns as well as Insurance Cover for life,which protect your family to unexpected financial crisis.Hope you like this presentation.For more details visit here : www.thepolicykart.com or call us :- 9711346765/7319758961 or mail us at :-info@thepolicykart.com
Kotak Guaranteed Savings Plan - Kotak LifeShaunakPatel19
The Kotak Guaranteed Savings Plan, which offers "Guaranteed" benefits, is offered by Kotak Life Insurance. It is a savings and protection-oriented plan. Therefore, have confidence, be prepared for whatever happens next, and enjoy your life.
E-Brochure For Kotak Guaranteed Savings Plan - Kotak LifeShaunakPatel19
The reality of life is uncertainty. Although you cannot escape it, you can always make plans to handle it more effectively. Kotak Life Insurance offers the Kotak Guaranteed Savings Plan, a savings and protection-oriented plan with "Guaranteed" advantages, to assist you in accomplishing the same.
E-Brochure For Kotak Assured Savings Plan - Kotak LifeShaunakPatel19
Kotak Assured Savings Plan provides reasonable insurance, but it also assists in the accumulation of money for future financial goals by providing assured rewards.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
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.
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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!
LIC's New Bima Bachat is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. It is a money-back plan which provides financial protection against death during the policy term with the provision of payment of survival benefits at specified durations during the policy term. In addition, on maturity, the single premium shall be returned along with Loyalty Addition, if any. This plan also takes care of liquidity needs through its loan facility.
E-Brochure for Kotak Premier Moneyback PlanviralAgarwal
"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."
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!
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.
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At various junctures of life, you would need to achieve several goals, small or big, like buying your first vehicle to funding a child’s education or a peaceful retirement. The list could be endless but chalking out these goals at different points in your life, and the finances needed to achieve them is necessary. Therefore, choosing a flexible savings life insurance plan is imperative which not only helps you achieve those goals, but also keeps your family financially secured in case you are not around. To help you with this, we at Aegon Life bring to you ‘Aegon Life iGuarantee Max Savings’, an insurance plan that offers you more than just the steady growth of your corpus while simultaneously helps you in achieving the milestones and safeguarding your family against unfortunate events
INCOME FOR LIFE from EquiTrust Life Insurance
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income payments when you choose
n All of this … while still maintaining your
other annuity contract benefits!
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.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
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Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
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.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Monthly Economic Monitoring of Ukraine No. 232, May 2024
Bajaj Allianz Life Long Assure| Retirement Insurance Solution
1. Bajaj Allianz
Lifelong
Assure
th
Future safe till your 100 birthday
BajajAllianz LifelongAssure
BajajAllianzLifelongAssure-Assuringyoulifelongincome
withalifelongcover!
We all wish for regular flow of income at all stages of our
life,butmostofthetimeachievingthoseoverage&timeis
not possible. Helping you with a solution, we at Bajaj
Allianz developed Lifelong Assure – a unique plan that
th
providesyouincome&protectiontillyour100 birthdayso
thatyoucanliveworry-freeforalifetime.
A Non-linked Whole Life Plan
2. Lifelong Assure
Key Advantages
Bajaj Allianz Lifelong Assure is a participating individual limited premium whole life endowment plan The key advantages of
this plan are: th
• CashBonusstartingfromtheendof6 year
• GuaranteedCashBackstartingfromtheendofPremiumPaymentTerm
• Lifecoveruptotheageof100years
• GuaranteedDeathBenefitofupto300%ofSumAssureddependingonthePPTchosen
• Optiontotakepolicybenefitinmonthlyinstallments
• Choiceof3premiumpaymentterms,viz.,10,15and20years
• Morevalueformoneywithhighsumassuredrebate
• Premiumrebateforfemalelives
How does your Plan work?
Youcancustomizeyourpolicytosuityourrequirementinthefollowingmanner:
Step1: ChooseyourSumAssured
Step2: ChooseyourPremiumPaymentTerm(PPT)
Yourpremiumwillbebasedonyourcurrentage,SumAssured,PPT&premiumpaymentfrequency.
Benefits payable
a. You will start receiving Guaranteed Cash Back of 3% of your Sum Assured every year, from the end of your premium payment
termtilltheageof99years
th
b.YouwillbeentitledforCashBonusdeclared,ifany,startingfromtheendof6 policyyeartilltheageof99years.
Survival Benefit
Maturity Benefit
Yourpolicywillmatureattheageof100years.Onthematuritydate,ifallpremiumsarepaid,theMaturityValueunderyourpolicy,
asmentionedinthebelowtable,willbepaidandthepolicywillterminate.
PPT Sum Assured on Maturity
10 years 200% of Sum Assured
15 years 250% of Sum Assured
20 years 300% of Sum Assured
Inaddition,terminalbonus,ifany,willbepaid.
3. Sample Illustration
Lifelong Assure
In case of unfortunate death of the life assured during the policy term, provided all the due premiums have been paid under the
policy,thedeathbenefitpayabletothenomineeshallbeasfollows
a. Forageatentrylessthan45years,higherof
i) 10timesannualisedpremium*
ii) 105%oftotalpremium*paidtilldateofdeath
iii) 200%,250%or300%ofsumassureddependingonthePPTchosen.
b. Forageatentry45years&above,higherof
I) 7timesannualisedpremium*
ii) 105%oftotalpremium*paidtilldateofdeath
iii) 200%,250%or300%ofsumassureddependingonthePPTchosen.
Inaddition,interimcashbonus&terminalbonus,ifany,willbepaid.
*AnnualizedPremiumandtotalpremiumisexclusiveofextrapremiumandservicetaxandcess,ifany
Death Benefit
Ravi aged 30 years has taken a Bajaj Allianz Lifelong Assure policy for a premium paying term of 20 years. The Sum Assured
chosenbyhimis`5,00,000forwhichheispayinganannualpremiumof `51,805afterahighsumassuredrebateof `4000.The
benefitsreceivedbyRaviwillbeasfollows.
Age 30 years Age 50 years Age 60 years Age 80 years Age 100 years
On Maturity
Benefit of
` 15,00,000
Policy Term 70 years
Premium paying term 20 years
` ` ` `` ` ` `
th
Cash Bonus from the end of 6 year
Guaranteed Cash Back of 3% from the end of PPT
4. Lifelong Assure
PremiumshownaboveisexclusiveofServiceTax&cess,andanyextrapremium.
For female lives 3 years age set back is applicable in premium calculation. For substandard and smokers extra premium shall be
chargedasperboardapprovedunderwritingnorms.
Cashbonusmentionedaboveisnotguaranteedandwillbebasedonactualexperience.
Features
Youcanavailloansunderyourpolicy,providedyourpolicyhasacquiredasurrenderbenefit.Theloanamountshallbeupto80%of
thesurrendervalue.
Loan
Option to take Policy Benefits in monthly installments
Youoryournomineewillhavetheoptiontotakethematuritybenefitordeathbenefitinequalmonthlyinstallmentsoveraperiod
of 5 or 10 years from the date of maturity or the date of intimation of death. The same needs to be informed prior to the date of
maturityorinwritingatthetimeoffilingthedeathclaimform.
Eachmonthlyinstallmentwillbeanamountequivalentto:
• For5years: factor1*maturity/deathbenefitdividedby60
• For10years: factor2*maturity/deathbenefitdividedby120
Wherefactor1is1.04fora5-yeartermandfactor2is1.08fora10-yearterm.
AfterapprovalfromIRDA,thesefactorscanberevisedinthefuture.
The policyholder or the nominee will have the option at any time to discontinue receiving the monthly installment during the
installmentperiod.
On receiving the request, the policyholder or nominee will be eligible for an amount equal to the maturity or death benefit (as
applicable)lessthetotalamountofinstallmentsalreadypaidasonthedateofrequest.
Age 30 years Age 50 years Age 60 years Age 80 years Age 100 years
Death Benefit
of ` 15,00,000
will be paid
Policy Term 70 years
Premium paying term 20 years
` ` ` `` ` ` `
th
Cash Bonus from the end of 6 year
Guaranteed Cash Back of
3% from the end of PPT
Incaseofunfortunatedeathatage65years,thenomineewillreceive `15,00,000
Total Premium Paid - `10, 36, 100
Total Cash Bonus Paid - `8, 70, 000
Total Guaranteed Cash
Back Paid - `2, 25, 000
Death Benefit payout - `15, 00, 000
Total Benefit Received - `25, 95, 000
5. Lifelong Assure
High Sum Assured Rebate (HSAR)
The plan offers an attractive premium discount structure, where you can have a discount on the annual premium for each
complete additional ` 1,000 sum assured purchased over and above the minimum sum assured of ` 1,00,000 as mentioned in
thetablebelow:
Age Band HSAR (in `) for PPT
(in years) 10 yrs 15 yrs 20 yrs
10 to 25 19 15 14
26 to 40 14 12 10
41 to 55 11 9 8
Example: Ravi aged 30 years has taken a Bajaj Allianz Lifelong Assure policy
for a premium paying term of 20 years & Sum Assured of ` 5,00,000. The
annual premium will be ` 55,805 before high sum assured rebate. After a
highsumassuredrebateof `4000,theannualpremiumwillbe `51,805.
Tax Benefits
Premium paid are eligible for tax benefits under section 80C of the Income Tax Act and maturity benefit, death benefit and
surrenderbenefitareeligiblefortaxbenefitsunderSection10(10D)oftheIncomeTaxAct,subjecttotheprovisionstatedtherein.
Surrender Benefit
• Youwillhavetheoptiontosurrenderyourpolicyprovidedatleast3fullyears’premiumshavebeenpaid
• ThesurrendervalueshallbehigheroftheGuaranteedSurrenderValue(GSV)andtheSpecialSurrenderValue(SSV)
• The GSV will be a percentage of premiums paid less the total of all the Guaranteed Cash Backs, where premiums paid are
excludingpremiumsforalladditionalriderbenefitsifany,andextrapremiums,ifany
Policy Surrender Year 3 4 to 20 21 to 25 26 to 30 31 to 35 36 to 40 41 onwards
Proportion of the premiums paid till date 30% 50% 52% 53% 56% 60% 65%
• TheSSVfactorsarenotguaranteedandmaychangefromtimetotimesubjecttotheapprovalofIRDA
Example: Ravi aged 30 years has taken a Bajaj Allianz Lifelong Assure policy for a policy term (PT) of 70 years. The Sum Assured
chosen by him is ` 5,00,000 for which he has paid total 5 annual premium of ` 431,525 for premium paying term of 10 years. At
th
theendof5 yearhewantstosurrender.ThesurrendervaluereceivedbyRaviwillbeasfollows:
GSV= `215,763(50%oftotalpremiumspaid)
Outstandingterm=65years,surrenderfactor=0.950359,reducedsumassured=250,000;
SSV=0.950349*250,000= `237,587
Surrendervaluepayable= `237,590(HigherofGSVorSSVwillbepayableasaSurrendervalue)
Early Termination Value
If at least one full year’s premiums have been and twelve months have been completed but three full years’ premiums have not
beenpaid,theearlyterminationvaluewillbeavailable.
In case of early termination by the policyholder or non-payment of due premium during this period, the following Early
TerminationValuewillbepaid:
6. Lifelong Assure
Number of Full Years’ Premiums paid Early Termination Value as a Percentage of the premiums paid till date
1 11%
2 15%
Product Terms and Conditions
Eligibility Condition
Parameter Details
Minimum Entry Age 10 years
Maximum Entry Age 55 years
Policy Term 100 minus Age At Entry
Premium Paying Term 10, 15 and 20 years
Minimum Premium
Maximum Premium No limit
Minimum Sum Assured ` 100,000
Maximum Sum Assured No limit
Premium Payment Frequency Yearly, Half yearly, Quarterly and Monthly
Monthly premium payment frequency will be
available under salary deduction scheme & ECS. It
will not be available at the inception of your policy.
Frequency PPT 10 PPT 15 PPT 20
Yearly ` 18,303 ` 13,401 ` 10,811
Half-Yearly `10,000 ` 8,500 ` 7,000
Quarterly ` 5,500 ` 4,625 ` 3,875
Monthly `2,000 `1,667 ` 1,471
Wherepremiumstakenareexcludinganyextrapremiumand/oranyservicetax&cessonpremium.
Thisearlyterminationvaluewillbepaidonrequestforterminationofthepolicybypolicyholder,deathorendoftherevivalperiod,
whicheverhappensearlier.
What happens if you are unable to pay your premiums?
Ifyouhavenotpaidfirst3years’premiumsinfull,then,yourpolicywillimmediatelylapseattheexpiryofthegraceperiod.
Ifyouhavepaidatleast3years’premiumsinfullandstoppedpayingsubsequentpremiums,then,
a) Yourpolicywillbeconvertedtoapaid-uppolicywithareducedsumassured.
b) The maturity or death benefit, if the premiums are discontinued after 3 years’ premiums have been paid in full, will reduced
sumassuredasmentionedinthetablebelow:
PPT Death / Maturity Benefit for paid-up policy
10 years 200% of Reduced Sum Assured
15 years 250% of Reduced Sum Assured
20 years 300% of Reduced Sum Assured
c) If at least 5 years’ premiums have been paid in full, then, guaranteed cash back and cash bonus (if any) will be paid, based on
thereducedsumassured.
You may revive your lapsed/paid-up policy during the revival period of 2 years from the due date of first unpaid premium,
subjecttotherevivalconditionsundertheplan.
7. Revival
Ifyourpolicyislapsed/paid-upduetonon-paymentofpremium,youmayrevivethepolicysubjecttothefollowingconditions:
a) Theapplicationforrevivalismadewithintwo(2)yearsfromthedateofthefirstunpaidpremium;
b) AlltheduepremiumstogetherwithinterestatsuchrateastheCompanymaydecidefromtimetotimeispaid.
c) Satisfactoryevidenceofyourgoodhealth,atyourexpense,issubmitted;
d) Therevivalofthepolicymaybeontermsdifferentfromthoseapplicabletothepolicybeforeitlapsed/becamepaid-up,based
onprevailingBoardapprovedunderwritingnorms;
e) TherevivalwilltakeeffectonlyonitbeingspecificallycommunicatedbytheCompanytothepolicyholder;
f) TheCompanymayrefusetorevivethepolicy,basedontheBoardapprovedunderwritingguidelines.
g) TheduebutunpaidGuaranteedCashBackandCashBonusasonthedateofrevivalwillbepaidimmediately.
Lifelong Assure
Foreclosure
If you have taken loan and the outstanding loan plus the loan interest, in a paid-up policy, become equal to the surrender value
available under the policy, then, your policy shall be foreclosed after a notice to you, and no further benefits under the policy will
bepayable.
Termination
Thispolicyshallautomaticallyandimmediatelyterminateontheearlieroccurrenceofeitherofthefollowingevents:
a) OnpaymentofEarlyTerminationValue.
b) Onfullsurrenderofthepolicyonreceiptofvaliddocumentsforthesame.
c) Attheendoftherevivalperiod,ifpremiumshavenotbeenpaidduringthefirstthree(3)policyyears.
d) Onthedateofintimationofdeathofthelifeassured.
e) Ondateofforeclosureofthepolicy,ifoutstandingloanplusinterestunderapaid-uppolicyexceedsthesurrenderbenefit.
f) Onthematuritydate.
Grace Period
If you have failed to make payment of the premium by the due date specified, you will be allowed a grace period of 30 days for
premiumpaymentfrequenciesotherthanmonthlyand15daysformonthlyfrequencytopaytheduepremium.
If the death of the life assured occurs during the grace period, the death benefit shall be payable under the policy as if the policy
wasinforceforfullSumAssuredafterdeductionoftheoutstandingpremiumsdueunderyourpolicyasonthatdate.
8. Lifelong Assure
Definitions
1) Sum Assured: This is the amount you need to choose at inception of the policy to decide the survival benefits, death benefit,
maturitybenefitand,ifapplicable,thesurrenderbenefitundertheyourpolicy.
2) Reduced Sum Assured: This is applicable when you discontinue the payment of premium under your policy after paying at
least 3 years’ premiums in full. This amount is arrived at, as on due date of discontinuance, by multiplying Sum Assured with
theratioofnumberofpremiumspaidtothenumberofpremiumspayableunderyourpolicy.
3) Bonus:TheCompany willcarryoutannualvaluation (asperthecurrentIRDAregulation)attheendofeachfinancialyearand
maydeclarefollowingthebonuses.
a. Cash Bonus: After the premium paying term, the Company may declare cash bonus as a percentage of the sum assured
whichwillbepayableattheendofeveryyearfortheapplicablepolicies.
b. Interim Cash Bonus: The Company may declare interim cash bonus, which will be payable for the deaths or maturities
occurringduringtheinter-valuationdates.
Free Look Period
Within 15 days [thirty (30) days in case this policy is issued under the provisions of IRDA Guidelines on Distance Marketing* of
InsuranceProducts]ofthereceiptofthispolicy,youwillhavetheoptiontoreviewthetermsandconditionsofthepolicyandifyou
disagree to any of the terms & conditions, you will have an option to return the policy stating the reasons for your objections. You
shallbeentitledtoarefundcomprisingtheallpremiums(excludingapplicabletaxes)paid,lesstheproportionateamountofrisk
premium&additionalriderbenefitpremium,ifany,fortheperiodthelifeassuredwasoncoverandtheexpensesincurredbythe
Companyonmedicalexaminationandstampdutycharges.
* Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products through
modesotherthaninperson.
Exclusions
Ifthelifeassuredcommitssuicide,whethersaneorinsane,theCompany’sliabilityshallbelimitedtotheextentof
• ifthedateofdeathis1yearfromthedateofcommencementofrisk,80%ofthepremiumpaid;
• ifthedateofdeathis1yearfromthedateofthelatestrevival,80%ofthepremiumpaidorthesurrendervalueasonthedateof
intimationofdeath,whicheverishigher.
Thevalidityofthecontractofinsurancewillbedeterminedinaccordancewiththeactualdateofdeathofthelifeassuredandnot
thedateofintimationofdeath.
9. Lifelong Assure
Nomination and Assignment
If you effect a policy on your own life, you need to nominate a person to receive the death benefit under the policy in the event of
deathofthelifeassured.ThisnominationshallbeinaccordancewithSection39oftheInsuranceAct,1938.
YouwillalsohaverighttoassignyourpolicyinaccordancewithSection38oftheInsuranceAct,1938.
Prohibition of Rebate: Section 41 of the Insurance Act, 1938
Nopersonshallalloworoffertoallow,eitherdirectlyorindirectly,asaninducementtoanypersontotakeoutorreneworcontinue
an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission
payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy
acceptanyrebate,exceptsuchrebateasmaybeallowedinaccordancewiththepublishedprospectusesortablesoftheinsurer.
Any person making default in complying with the provision of this section shall be punishable with a fine that may extend to five
hundredrupees.
Statutory Information
NoPolicyoflifeinsuranceeffectedafterthecomingintoforceofthisActshall,aftertheexpiryoftwoyearsfromthedateonwhich
it was effected, be called in question by an insurer on the ground that a statement made in the proposal for insurance or in any
report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the policy, was
inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was
materialtodiscloseandthatitwasfraudulentlymadebythepolicy-holderandthatthepolicyholderknewatthetimeofmakingit
thatthestatementwasfalseorthatitsuppressedfactswhichitwasmaterialtodisclose.
Fraud & Misrepresentation: Section 45 of the Insurance Act, 1938
Why Bajaj Allianz Life Insurance?
Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE. Both enjoy a reputation of expertise, stability and
strength. This joint venture Company incorporates global expertise with local experience. The comprehensive, innovative
solutions combine the technical expertise and experience of Allianz SE, and in-depth market knowledge and goodwill of
“Bajaj” brand in India. Competitive pricing and quick honest response have earned the Company the customer's trust and
marketleadershipinaveryshorttime.
Disclaimer
This sales literature gives the salient features of the plan only. The policy document is the conclusive evident of contract and
providesindetailsalltheconditionsandexclusionsrelatedtoBajajAllianzLifelongAssure.
10. Contact Details
BJAZ-PB-0385/11-Jan-14
Bajaj Allianz Life Insurance Company Limited,
G.E. Plaza, Airport Road, Yerawada, Pune - 411 006.
Tel: (020) 6602 6777. Fax: (020) 6602 6789. | www.bajajallianz.com
SMS LIFE 56070
For any queries please contact:
BSNL/MTNL
(Toll Free)
1800 22 5858
Other
(Chargeble)
<Prefix City Code> 3030 5858
Any Mobile & Landline
(Toll Free)
1800 209 5858
email: life@bajajallianz.co.in chat: bajajallianzlife.co.in/chat
Insurance is the subject matter of the solicitation
For More Information: Kindly consult our “Insurance Consultant” or call us today on the TOLL FREE numbers mentioned above. This
brochure should be read in conjunction with the Benefit Illustration and Policy Exclusions. Please ask for the same along with the
quotation.
Bajaj Allianz Lifelong Assure is A Non-Linked Whole Life Plan.
BajajAllianzLifelongAssure (UIN:116N122V01)
Lifelong Assure