For Internal Use Only.

For Internal Training Use Only

Different instruments of savings

DHAN SURAKSHA OFFERS COMPLETE PROTECTION AND GUARANTEED addition

SHARES SAVINGSAccount

GOLD NSCPPF DHAN SURAKSHA

PROTECTION

Safety

Liquidity

High risk, potential for high returns

Tax Benefit

low Return

Safety

Moderate return

Safety

Approx 8% return

Tax Benefit

Safety

Approx 8% return

Double Tax Benefit

Min 10% addition

Liquidity

Safety

Liquidity Liquidity Liquidity Liquidity

Guarantees Quality

HALLMARK

5 STAR Hotel

Guarantees Purity

Guarantees Service Guarantees Protection

SYMBOLS OF GUARANTEE

A plan that will provide assurance ,protection & assured savingsFor Internal Training Use Only

Guaranteed Addition

Guaranteed Liquidity

Guaranteed Maturity Value

Guaranteed Protection

Additional Accident Cover

Double

Tax Benefit

Guaranteed

Surrender value

Only 7 Star Property In India

For Internal Training Use Only

o Rs.100 per Rs. 1,000 Sum Assured paid for each completed year of the policy

o Paid at maturity or in case of unfortunate demise of the Life Insured.

Guaranteed Additions

Guaranteed Addition: 10% of Sum Assured every year

For Internal Training Use Only

o Money back of 15 % of the basic sum assured paid at the end of every 5th policy year

o Policy must be in force and premium paying

Guaranteed Liquidity

Sukhdev ji invests in Dhan Suraksha Sum Assured: Rs.3,00,000Term 25 years Age:-Premium:-

Rs 45000 Rs 45000 Rs 45000

Money at regular intervals to take care of short term needs

5th 10th 15th

For Internal Training Use Only

Rs 45000

20th

Guaranteed Maturity

o At maturity sum assured with all guaranteed additions

o Survival benefits already disbursed will be reduced from sum assured

Sukhdev ji invests in Dhan Suraksha Sum Assured: Rs.3,00,000

Sukhdevji gets on maturityRs. 8,70,000

Upto 3.5 times of Sum Assured is guaranteed

25 years

For Internal Training Use Only

GUARANTEED MATURITY WITH POTENTIAL FOR HIGHER RETURNS

SukhDev ji invests in Dhan Suraksha Sum Assured: Rs.3,00,000Term 25 years

Rs 45000 Rs 45000 Rs 45000

Adds to your investment corpus

Invests money back in FD at 7.0% Rs. 420494

o The money backs received can be invested to achieve higher returns

For Internal Use Only

Invests money back in Tax free FD at 8.5% Rs.509160

*Interest rates as per current prevailing rates and are subject to change

Rs 45000

Make your money grow Sukhdev ji invests in Dhan Suraksha Sum Assured: Rs.3,00,000

Rs. 8,70,000

Get higher returns by investing money backs prudently

25 years

Invests money back in FD at 7.0%

Rs. 420494

Rs.12,90,494Sukhdev ji gets on maturity

For Internal Training Use Only

Guaranteed Protection

Guaranteed Protection for your loved onesFor Internal Training Use Only

o In case the death of life insured happens after the age of 7 last

birthday as on the last policy anniversary

Full sum assured with guaranteed additions till the date of death

o In case of death of the life insured till the age of 7 last birthday as on

the last policy anniversary

Total premium paid with interest till date of death

Underwriting extra (if any), education cess and

service tax would be excluded

Guaranteed accident cover

Guaranteed protection to your loved ones

o Double sum assured incase of accidental death

In case of accidental death between 18 years and 65 years of age, an additional sum assured (equal to the base sum assured) would be paid.

For Internal Training Use Only

DOUBLE tax BENEFIT

o Premiums paid would be eligible for deduction under Section 80 C of the Income

Tax Act 1961.

o Maturity benefits and money back amount received would be eligible for

deduction under section 10(10D) of Income Tax Act 1961.

Money saved is money earned

oTax benefits will be applicable as per prevailing tax laws. oTax laws are subject to change. For Internal Training Use Only

GUARANTEED SURRENDER VALUE

o Policy can be surrendered anytime after 2 policy years provided 2 full

policy years’ premiums have been paid.

o In case of surrender of the policy, a guaranteed surrender value

would be paid.

Helps in financial emergency

For Internal Training Use Only

Illustration

Aman Khurana, aged 27 is working as a bank executive and has recently got married to Dimple.

A year later, after their son Inder was born, he decided to take a DLF Pramerica Dhan Suraksha

with a sum assured of Rs. 1,00,000. How would his policy work?

He was 27 at that time.

Can be used for child’s education or to repay Home Loan

5th year 10th year 15th year

Rs 15000 Rs 15000 Rs 15000

For Internal Training Use Only

Illustration

For Internal Use Only

Unfortunately, in 17th policy year he met with a road accident.

5th year 10th year 15th year

Rs 15000 Rs 15000 Rs 15000

17th year

Sum Assured: Rs 1,00,000Accident Cover: Rs 1,00,000Guaranteed Addition: Rs 1,60,000

TOTAL Rs 3,60,000

Step 1Select the level of protection (Min. Rs 40,000)

Step 2Choose a policy term (15, 20 & 25 years)

Step 3Pay the premium based on the sum assured, term chosen, age & gender of the life insured

3 SIMPLE STEPS FOR GUARANTEED PROTECTION & RETURN

For Internal Training Use Only

o The policy can be backdated for any date/month in the current financial year (April – March)

o If a policy is back dated beyond “1” calendar month from Date of Commencement, interest

would be charged.

Why should I backdate:

1.To get the benefit of reduced premium

2.To have the policy anniversary on a defined date like birthday of child, marriage anniversary etc

BACKDATING

For Internal Training Use Only

o If policyholder discontinues premium payment within the first 2 policy years, policy can be revived

within three years from the date of first unpaid premium

o All due premiums with interest must be paid

o In case policy is not reinstated within the revival period, the policy will terminate without any value

and no policy benefits will be payable.

If policy is discontinued after 2 full years complete premiums are paid, the policy will become

Reduced Paid Up

o The benefits will reduce proportionately.

o It will not be entitled to any future survival benefits and any future guaranteed additions.

o All guaranteed additions already accrued till the date of paid up will only be considered for all future

benefits payout.

o Accidental death benefit will also not be paid

o Reduced paid up Value to be paid in case of maturity

What If I’m Unable to pay my Premium?

For Internal Training Use Only

oAccident is defined as a sudden occurrence, caused by outside forces and

independent of the insured will which is the direct and sole cause of death

of the Insured.

oAny heart attacks, hemorrhages, strokes, poisonings as well as any other

illnesses or infections (inclusive of the sudden ones) shall not be regarded as

accidents.

oThe death must occur within the insurance period and less than 180 days

following the date of the accident.

oIt is inbuilt and no additional premium will be required to be paid

separately

oMinimum and Maximum SA: Same as base plan sum assured

oAge of maturity : 65 yrs (Base plan will continue)

ACCIDENTAL COVER DETAILS

For Internal Training Use Only

INCOME PROOFS

Standard Income Proofs

acceptable are:

o Form 16 for latest year

o Individual Income Tax returns

(ITR) for 3 yrs

o Audited Company Accounts for 3

yrs

o Audited Firm Accounts and

Partnership Deed for 3 yrs

o Latest 3 months Salary Slip

Supporting Documents includeo Audited CA Statements / Income Computation Statements attested by CA o Profit & Loss A/c and Balance Sheet of the firmoBank Statements for last 6 months of the firm,oAgriculture produce sale receipto Land records (7/12)o Rental agreement o Home Loan sanction lettero Investment documents (Latest Fixed Deposits and Mutual fund Statements)

For Internal Training Use Only

Thank You