LIC of India's Jeevan lakshya, Plan No. 833Pawan kumar
Life Insurance Corporation of India's Jeevan Lakshya Plan no. 833, is a limited premium paying with profit endowment plan. Premium paying term is 3 year less than the policy term.
For more queries Visit: http:insuranceblog.asia
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
This presentation is part of our continuing series of training modules for the Financial Services Industry. The Insurance Industry Overview module provides a quick look at products offered by insurance companies and how insurance companies are organized. We provide training in a wide range of topics targeted at the business lines of financial services companies. Contact us for a quote or a needs analysis. Please email me at: Floyd.saunders@yahoo.com.
LIC of India's Jeevan lakshya, Plan No. 833Pawan kumar
Life Insurance Corporation of India's Jeevan Lakshya Plan no. 833, is a limited premium paying with profit endowment plan. Premium paying term is 3 year less than the policy term.
For more queries Visit: http:insuranceblog.asia
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
This presentation is part of our continuing series of training modules for the Financial Services Industry. The Insurance Industry Overview module provides a quick look at products offered by insurance companies and how insurance companies are organized. We provide training in a wide range of topics targeted at the business lines of financial services companies. Contact us for a quote or a needs analysis. Please email me at: Floyd.saunders@yahoo.com.
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(http://optimuminsurance.com.au/Blog/tabid/158/ArticleID/6/The-benefits-of-engaging-an-insurance-broker.aspx) - We ask you to consider the following which should help you make a better informed decision:
convention d'indemnisation direct
l'assuré sera payé par son assureur principale
et après l'assureur sera remboursé par l'assureur du partie fautif
cette convention signée par la plupart des compagnes d'assurance du Maroc
elle est pour but le paiement immédiat et rapide aux ayants droit
Annuity is a term that is familiar to most of us and that we have been now hearing for over 200 years. Annuities are nothing but products offered by insurance companies that allow you to save on taxes and derive benefit on retirement. These accumulated funds are later repaid to you either for a fixed term, say 5 to 10 year, or for the rest part of your life.
Annuities are quite similar to Collateral deposits. CDs are offered by banks, similarly, insurance companies offer different return schemes on your annuity investments.
What is the meaning of annuity?
For a layman, an annuity is nothing but a contract between two parties, a person, also called as the insured and an organization which is nothing but an insurance company. The insurance company agrees to pay the insured an agreed upon benefit either in the form of regular interval payments or in lump sum.
Who offers an Annuity?
Annuities are presented by Insurance companies. They reach customers by the way of licensed agents. But before you chose to invest with the insurance company, you should check their insurance licenses. State and federal laws and insurance commissions govern the reserve funds, also known as State Legal Reserve Pools.
How does an Annuity Scheme work?
Annuity is a contract. The insured makes a deposit with the insurance company either in a single go or through regular small installments. Depending upon the type of annuity you choose, the money deposited with the insurance company will earn fixed or variable return.
Different Types of Annuity:
• Single premium immediate annuity: The amount is paid in lump sum and the benefits are derived from the immediate next month onwards.
• Single premium deferred annuity: Again, the amount is paid in lump sum but the withdrawals can be made only after specified time limit
• Annual premium deferred annuity: The premium paid to the insurance company is either in form of quarterly, or monthly or bi-annual or annual installments. Withdrawals are deferred to a later date.
• Variable annuity: This is more of a combination annuity scheme where you can chose either to pay a lump sum amount or in installments. You can choose the investment vehicle as well. Thus, the growth of your fund depends on vehicle chosen.
Thus, depending upon the scheme chosen by you, the amount deposited by you grows. At a time elected by you, the insurance company will start disbursing your deposits from your annuity account.
You also have a choice of withdrawing funds in lump sum after a certain time elapses.
Benefits associated with Annuities:
• Tax Deferral: The money invested in an annuity scheme stays tax free and grows tax free till the time you withdraw it. The age set for withdrawals is 59.5 years. Any funds withdrawn prior to this age bear an annual penalty charge of 10%.
• The insured gets a secured guaranteed return for the rest of life, especially post retirement
Thus, annuity offers you a medium of saving, ensuring avoiding probate for your heirs, safety of funds and much more.
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
Life insurance can be an important part of your financial strategies, helping to ensure a more secure financial future for your loved ones when you're gone
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(http://optimuminsurance.com.au/Blog/tabid/158/ArticleID/6/The-benefits-of-engaging-an-insurance-broker.aspx) - We ask you to consider the following which should help you make a better informed decision:
convention d'indemnisation direct
l'assuré sera payé par son assureur principale
et après l'assureur sera remboursé par l'assureur du partie fautif
cette convention signée par la plupart des compagnes d'assurance du Maroc
elle est pour but le paiement immédiat et rapide aux ayants droit
Annuity is a term that is familiar to most of us and that we have been now hearing for over 200 years. Annuities are nothing but products offered by insurance companies that allow you to save on taxes and derive benefit on retirement. These accumulated funds are later repaid to you either for a fixed term, say 5 to 10 year, or for the rest part of your life.
Annuities are quite similar to Collateral deposits. CDs are offered by banks, similarly, insurance companies offer different return schemes on your annuity investments.
What is the meaning of annuity?
For a layman, an annuity is nothing but a contract between two parties, a person, also called as the insured and an organization which is nothing but an insurance company. The insurance company agrees to pay the insured an agreed upon benefit either in the form of regular interval payments or in lump sum.
Who offers an Annuity?
Annuities are presented by Insurance companies. They reach customers by the way of licensed agents. But before you chose to invest with the insurance company, you should check their insurance licenses. State and federal laws and insurance commissions govern the reserve funds, also known as State Legal Reserve Pools.
How does an Annuity Scheme work?
Annuity is a contract. The insured makes a deposit with the insurance company either in a single go or through regular small installments. Depending upon the type of annuity you choose, the money deposited with the insurance company will earn fixed or variable return.
Different Types of Annuity:
• Single premium immediate annuity: The amount is paid in lump sum and the benefits are derived from the immediate next month onwards.
• Single premium deferred annuity: Again, the amount is paid in lump sum but the withdrawals can be made only after specified time limit
• Annual premium deferred annuity: The premium paid to the insurance company is either in form of quarterly, or monthly or bi-annual or annual installments. Withdrawals are deferred to a later date.
• Variable annuity: This is more of a combination annuity scheme where you can chose either to pay a lump sum amount or in installments. You can choose the investment vehicle as well. Thus, the growth of your fund depends on vehicle chosen.
Thus, depending upon the scheme chosen by you, the amount deposited by you grows. At a time elected by you, the insurance company will start disbursing your deposits from your annuity account.
You also have a choice of withdrawing funds in lump sum after a certain time elapses.
Benefits associated with Annuities:
• Tax Deferral: The money invested in an annuity scheme stays tax free and grows tax free till the time you withdraw it. The age set for withdrawals is 59.5 years. Any funds withdrawn prior to this age bear an annual penalty charge of 10%.
• The insured gets a secured guaranteed return for the rest of life, especially post retirement
Thus, annuity offers you a medium of saving, ensuring avoiding probate for your heirs, safety of funds and much more.
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
Life insurance can be an important part of your financial strategies, helping to ensure a more secure financial future for your loved ones when you're gone
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Bajaj Allianz Life Long Assure| Retirement Insurance Solution Harshit2014
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.
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."
INCOME FOR LIFE from EquiTrust Life Insurance
Company® is an optional benefit that offers:
n Lifetime income based on 6.0% accumulation
for up to 10 years!
n A guaranteed1 income stream for life —
without annuitizing
n Flexibility and control to start and stop
income payments when you choose
n All of this … while still maintaining your
other annuity contract benefits!
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.
The National Pension Scheme (NPS) is an excellent instrument when it comes to investing for your future and tax saving for your present. For a detailed and in depth knowledge on how NPS can be a good option for you, view this presentation.
Health Insurance - First of its kind.
Launched by the Life Insurance Corporation of India - the symbol of customers' confidence.
This plan offers multiple benefits which are in addition to the other health insurance schemes. Wishing a healthy life with Jeevan Arokya !
2. LIC’S PENSION PLUS
• A unique Unit Linked Pension Plan with
guarantee on the minimum rate of
interest.
• Rate of Interest applied to gross
premium.
• Being a ULIP plan the fund has
immense possibility for growth.
• Benefit of Annuity from Maturity
Proceeds.
3. LIC’S PENSION PLUS
Benefit on Maturity :
• Annuity purchased from Fund Value or
Guaranteed Maturity Proceeds
whichever is higher.
• Option to commute 1/3rd. of the
Maturity Proceeds.
Benefit on death - Fund Value.
Nominee has the option to receive the
amount in lump Sum or as Annuity.
4. Guaranteed Maturity Proceeds: If all due
premiums are paid till maturity, a guaranteed
interest shall accrue on the gross premium,
including Top-up premiums, at the end of each
financial year. The guaranteed interest rate shall
be 50 basis points above the average of the
reverse repo rate prevailing as on the last
working day of June, September, December and
March of the preceding year.
However, the guaranteed interest rate shall be
subject to a maximum of 6% and a minimum of
3%. This guaranteed interest rate is not applicable
to a discontinued policy.
The minimum guaranteed rate of 4.5% p.a. is
applicable to all premiums received up to 31st
March, 2011, including any Top-up premiums paid.
5. PENSION PLUS - Fund Type
Fund Investment in Short-term Investment in Details and
Type Government / investments Listed Equity objective of the
Government such as money Shares fund for risk
Guaranteed market /return
Securities / instruments
Corporate
Debt
Debt Not less than Not more than Nil Low risk
Fund 60% 40%
Mixed Not less than Not more than Not less than Steady Income –
Fund 45% 40% 15% & Lower to
Not more than Medium risk
35%
6. PENSION PLUS : ELIGIBILITY CONDITIONS
Age at entry 18 to 75 years
Age at vesting 40 to 85 years
Minimum 10 years
Deferment
Term
Mode -» RP MLY (ECS) SP
Premium
Minimum ` 15000 pa ` 1500 pm ` 30000
Maximum 1 lac 1 lac No limit
Sum Assured NA
7. PENSION PLUS : CHARGES
Single Premium
Regular Premium
Year Charge
Premium 1st 6.75%
Allocation 2nd to 5th 4.50% 3.3%
Charge Thereaft 2.50%
er
Top-up premium: 1.25%
` 30/-pm during the first policy year and
Policy Administration
` 30/- pm escalating at the rate of 3%
Charge
pa. thereafter
Fund Management Debt Fund 0.70% p.a.
Charge Mixed Fund 0.80% p.a.
Switching Charge 2 switches free . ` 100 thereafter
Miscellaneous charge ` 50/- for alteration.
8. Pension Plus – Other features
• If premiums are not paid within days of
grace life assured has to exercise option
to (i) Revive the policy or
(ii) Withdraw the policy.
• Revival: Payment of Arrears without
Interest.
• Withdrawal : On Withdrawal, Monetary
Value is due. 1/3rd of the Monetary Value
can be commuted, Balance is used for
Annuity.
9. Pension Plus – Other features
• Withdrawal before 5 years: Monetary Value is
calculated on the date of termination. The
amount so calculated will earn interest @
3.5% p.a. from date of withdrawal to
completion of 5 years and will be due only on
completion of 5 years from the date of
commencement.
• Withdrawal after 5 years : Fund Value is due.
10. Pension Plus – Other features
• Two free switches per year.
• Top-up premiums allowed except
during the last 5 years of Maturity.
• Partial Withdrawal Not allowed.
• Surrender allowed. Discontinuance
charges applicable for the first 5 years.
11. PENSION PLUS: DICONTINUANCE
CHARGES
Disc Annualized premium up to ` Annualized premium above `
onti 25,000/- 25,000/-
nuan Discontinuance charges shall be lower Discontinuance charges shall be
ce of lower of
Year
Annualised Maximum Annualised Maximum
Premium or Fund Premium or FV
Value
1 10% 2500/- 6% 6000/-
2 7% 1750/- 4% 5000/-
3 5% 1250/- 3% 4000/-
4 3% 750/- 2% 2000/-
5 NIL NIL NIL NIL
abo
ve
12. Why Pension Plus
• Minimum Interest Guaranteed. This
protects against fluctuation of interest due
to policies of the government in the distant
future.
• Since individuals in Private Employment
and those engaged in Business do not
have pension security, Pension Plus fulfils
their need for a secured future.
• Being Market Linked, the plan has
possibility of getting excellent returns.
• Easy Purchase.
13. Why Pension Plus
• Convenient modes of payment , Single
Premium mode also available.
• Compulsory purchase of Annuity ensures
channelisation of funds for specific
purpose.
• Regular income from the commencement of
annuity.
Thank You !