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PLANS>>>>>>>>>>>>> 814 NEW ENDT 815 NEW 816 NEW 817 SNG PRM 820 NEW 821 NEW
SALIENT FEATURE PLAN WITH PROFIT JEEVAN ANAND BIMA BACHAT ENDT PLAN MONEY BACK MONEY BACKMIN.AGE 8 YRS LBD 18 YRS LBD 15 YRS LBD 90 DAYS COMPLITED 13 YRS LBD 13 YRS LBD
MAX,AGE 55 YRS ANB 50 YRS ANB 66 YRS ANB 65 YRS ANB 50 YRS ANB 45 YRS ANB
MAX,MAT.AGE 75 YRS ANB 75 YRS ANB 75 YRS ANB 18 TO 75 YRS ANB 70 YRS ANB 70 YRS ANB
MIN.POLICY TERM 12 YRS 15 YRS 9 YRS.12 YRS, 15 YRS 10 YRS 20YRS 25YRS
MAX.POLICY TERM 35 YRS 35 YRS 9 YRS.12 YRS, 15 YRS 25 YRS 20 YRS FIXED TERM 25YRS FIXED TERM
PRM.PAY.TERM EQUAL TO POLICY TERM EQUAL TO POLICY TERM NIL NIL 15YRS 20YRS
MIN.S.A. 100000 100000 RS.35/50/70(in thousand)FOR 9/12/15 50000 100000 100000
MAX.S.A. NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT NO LIMIT
MULTIPLE S.A. 5000 5000 5000 5000 5000 5000
REBATE FOR S.A FOR 9YRS>LESS THAN 75=NIL,75 TO
1.5=6%.ABOVE 1.5=8%/12YRS>LESS
1LAK TO 1.95> NIL 1LAK TO 1.95> NIL/2 TO 4.95 THAN 1LAK NIL, 1 TO 2 LAK=4%,FOR 50 TO 95000> NIL/ 1 TO 1.95> 1LAK TO 1.95> NIL 1LAK TO 1.95> NIL
2LAKS TO 4.95=2% OF BSA > 1.5%/ 5 TO 9.95> 2.5%/ 15YRS>LESS THAN 1.5LAK=NIL,1.5 TO 18% OF SA/ 2 TO 2.95> 25% OF 2LAKS TO 4.95=2% OF BSA 2LAKS TO 4.95=2% OF BSA
5LAKS ABOVE = 3% OF BSA 10LAKS ABOVE 3% OF BSA 3=3%,3LAKS ABOVE=5% SA / 3 LAKS ABOVE 30% OF SA 5LAKS ABOVE = 3% OF BSA 5LAKS ABOVE = 3% OF BSA
MODE OF PAYMENT ALL MODES ALL MODES SINGLE SINGLE ALL MODES ALL MODES
MODE REBATE YLY=2%,HLY=1%,QLY=NIL YLY=2%,HLY=1%,QLY=NIL NIL NIL YLY=2%,HLY=1%,QLY=NIL YLY=2%,HLY=1%,QLY=NIL
DAB/EPDB YES MAX. 50LAKS YES MAX. 50LAKS NOT AVAILABLE NOT AVAIABLE YES MAX. 50LAKS YES MAX. 50LAKS
TERM RIDER NOT AVAILABLE NOT AVAILABLE NOT AVAILABLE NOT AVAIABLE YES YES
PWB N/A N/A NOT AVAILABLE NOT AVAIABLE N/A N/A
CIR NOT AVAILABLE NOT AVAILABLE NOT AVAIALBLE NOT AVAILABLE NOT AVAILABLE NOT AVAILABLE
DATING BACK YES YES YES YES YES YES
NOMINATION YES YES YES YES YES YES
ASSIGNMENT YES YES YES YES YES YES
SUICIDE WITHIN 1YR 80% REFUND OF PRM. 80% REFUND OF PRM. 90% REFUND OF PRM. 90% REFUND OF PRM. 80% REFUND OF PRM. 80% REFUND OF PRM.
RISK COMMENCES FROM DATE OF ACCEPTANCE FROM DATE OF ACCEPTANCE FROM DATE OF ACCEPTANCE 8YRS COMPLITED OR 2YRS FROM FROM DATE OF ACCEPTANCE FROM DATE OF ACCEPTANCE
DOC WHICHEVER IS EARLIER
MIN.PRM RS.300/- RS.300/- NO MIMIMUM PREMIUM NO MIMIMUM PREMIUM RS.300/- RS.300/-
AGE PROOFS STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III
FEMALE CAT. CAT. I.II.III CAT. I.II.III CAT. I.II.III CAT. I.II.III CAT. I.II.III CAT. I.II.III
NMG/NMS ALLOWED ALLOWED ALLOWED ALLOWED ALLOWED ALLOWED
LOAN 90% OF SV OF INFORCE POL. 90% OF SV OF INFORCE POL. AFTER 1 YR 60% OF SV AFTER 1YR ,TERM 15 YRS>55%, 90% OF SV OF INFORCE POL. 90% OF SV OF INFORCE POL.
80% OF PAID UP POL. 80% OF PAID UP POL. 16 TO 20 TRS>40%,21above30% 80% OF PAID UP POL. 80% OF PAID UP POL.
FORECLOSURE NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN
SSV AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS ANY TIME WIYHOUT LOYALITY DISCOUNTED VALUE OF AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS
GSV AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS 1ST YR= 70%, THERE AFTER 90% 1ST YR 70% & 90% THERE AFTER AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS
REVIVAL WITHIN 2 YRS WITHIN 2 YRS NIL N/A WITHIN 2 YRS WITHIN 2 YRS
SURVIVAL BENEFITS NOT APPLICABLE NOT APPLICABLE 9YR>15% ON 3/6YR, 12YR>15% ON NO 20% OF BSA PAYABLE ON 15% OF BSA PAYABLE ON
AVAILABLE 3/6/9YR, 15YR>15%ON3/6/9/12 YR 5TH/10TH/15TH YR 5TH/10TH/15TH & 20TH YR
MATURITY S.A. BSA+ SRB+FAB BSA+ SRB+FAB SNG PRM.+ LA-TAX & EXTRA PRM SA+ SRB+FAB 40% OF BSA+ SRB+FAB 40% OF BSA+ SRB+FAB
DEATH BENEFIT SA+SRB+FAB Or 10 TIMES OF SA ( 125% OF BSA)+ SRB+FAB 1ST5 YRS ONLY SUM ASSURED SA+SRB+FAB OR RETURN OF SNG. 125% OF BSA OR 10 TIMES 125% OF BSA OR 10 TIMES
YLY PRM. Or HIGHER OF BSA OR 10 TIMES ANNULISED PRM. AFTER 5 YRS >SA+ LA PRM.EXCLUDING TAX & EXTRA PRM. OF ANNULISED PRM. OF ANNULISED PRM.
PROPOSAL FORMS 300 , 340 & 360 300 300 ,340 300 , 340 & 360 300 & 340 300 & 340
COOLING OFF AVAILABLE AVAILABLE AVAILABLE AVAILABLE AVAILABLE AVAILABLE
AGENTS COMMISSION 1ST YR 12 TO 14 YRS=20%+BC, 1ST YR 12 TO 14 YRS=20%+BC, 2% 2% 20%+BC.40%FYC, 2&3>7.5% & 20%+BC.40%FYC, 2&3>7.5%
15YRS> =25%, 2 & 3 YR=7.5%, 15YRS> =25%, 2 & 3 YR=7.5%, & FROM 4TH YR 5% & FROM 4TH YR 5%
FROM 4TH YR=ONWARDS 5% FROM 4TH YR=ONWARDS 5%
CEIS REBATE 10% 10% 2% 2% 10% 10%
SERVICE TAX 1ST YR 3.09% & 1ST YR 3.09% & 3.09% 3.09% 1ST YR 3.09% & 1ST YR 3.09% &
SUBSEQUENT 1.545% SUBSEQUENT 1.545% SUBSEQUENT 1.545% SUBSEQUENT 1.545%
TRAINING MATERIALS FOR AGENTS ONLY & NOT FOR PRIVATE CIRCULATION PREPARED BY: P.T.PATIL DOLIC HUBLI III DHARWAR DIVISION (9448133179)Email>[email protected] SIX - IN - ONE
