Life Insurance Plans AEGON Religare Life Insurance offers insurance and pension plans specifically designed to help

you plan your life better. Select a plan based on your need protection, saving, child or retirement.

Protection Plans Protection plans are Term Plans which provide only life cover. These plans can help you get adequately covered and secure your family financially in case of unfortunate event. These are low cost life insurance plans. Protection plans are Term Plans which provide only life cover. These plans can help you get adequately covered and secure your family financially in case of unfortunate event. These are low cost life insurance plans. Whats more, depending on your future responsibilities and financial commitments Increasing and Decreasing Term Plans offers you the flexibility to increase or decrease the sum assured in systematic manner.

AEGON Religare Term Insurance Plan You have given your family the best till now and would want them to get the best even in the future. However, no one has control over uncertainties of life. Will they be able to sustain the same lifestyleeven in your absence? To deal with your concern and give your family the best, AEGON Religare Life Insurance offers AEGON Religare Term Insurance Plan, which ensures protection for your loved ones - at afraction of the cost.

Lets

understand

the

plan

with

an

example

You have given your family the best till now and would want them to get the best even in the future. However, no one has control over uncertainties of life. Will they be able to sustain the same lifestyle even in your absence? To deal with your concern and give your family the best, AEGON Religare Life Insurance offers AEGON Religare Term Insurance Plan, which ensures protection for your loved ones - at a fraction of the cost.

His plan details are as follows: Death Benefit Option 2 (Non Smoker), Base Sum Assured =50 lakhs, Inbuilt accidental death benefit = 50 Lakhs, Policy Term = 30 years, Premium Payment Term = 30 years, Annual Premium =12,900 (exclusive of service tax).

In a nutshell AEGON Religare Term Insurance Plan provides the following benefits:

2 Death Benefit options In case of death benefit option 2 - regular income every month for next 5 years Inbuilt accidental cover - additional benefit equal to 100% of the cover amount will be paid subject to maximum of 1 Crore

Cover up to age 75 years Tax benefits as per prevailing tax laws. Please consult your tax advisor for details. This plan not only provides a lump sum on death, but also provides steady payouts every month at 3% of Cover Amount over 5years, inorder to maintain the same standard of living. Now that youve understood this plan, here is how you can buy it Step1: Choose the amount of protection(Sum Assured); choose from the death benefit available and the period for your options policy

Step2: Our Life Advisor will help you fill in the application form. Step3: A cheque will have to be drawn in the favour of AEGON Religare Life Insurance Co. Ltd.

Step4: Expect a verification call from AEGON Religare call centre on issuance of the policy.

Eligibility Entry Age # Minimum 20 years completed 30 years last birthday for a 10 years of policy term

Maximum 65 years last birthday; Maximum Age Minimum Assured Minimum Premium Policy Term Rs.2390 p.a. 10 / 15 / 20 / 25 / 30 / 35 /40 years and 75 years minus age at entry Premium Term Premium Mode* #Parent / Grand Parent can propose the policy in the name of the child. There may be other circumstances wherein the Policyholder and the Life Assured are different. The company will follow the principle of insurable interest in this regard. * The modal factor for modes other than Annual mode will be: Semi Annual Premium - Annual Premium x 0.512; Monthly Premium - Annual Premium x 0.087. Riders You can make your plan more comprehensive by choosing any of the below suitable riders: AEGON Religare CI Rider (UIN: 138C001V01): Payment Anually, Half Yearly & Monthly Payment Equal to policy term Sum 10,00,000 Maturity 75 years last birthday

This rider covers critical illnesses. In case the insured is diagnosed with mentioned critical illnesses, cover amount will be paid. AEGON Religare Women Care Rider (UIN: 138B009V01): This covers illnesses pertaining to women. On being diagnosed with any of the covered illnesses a certain percentage of the cover amount will be paid.Please refer to the sales brochure of these riders to understand the terms & conditions before concluding a sale. This covers illnesses pertaining to women. On being diagnosed with any of the covered illnesses a certain percentage of the cover amount will be paid.Please refer to the sales brochure of these riders to understand the terms & conditions before concluding a sale. AEGON Religare TPD Rider (UIN 138B010V01) This rider covers the insured in case of total and permanent disability. On being diagnosed with total and permanent disability, cover amount will be paid.Please refer to the sales brochure of these riders to understand the terms & conditions before concluding a sale.

AEGON Religare Save Guard Plan

This plan is for you if you are looking for pure protection along with returns.The AEGON Religare Save Guard Insurance Plan not only provides you a life cover

like any term plan, it ensures all your premiums are returned at the end of the Policy You should purchase this plan if you: Term.

Are Are

looking the sole

for or

return major

of

premiums earning

along in

with

protection. family.

member

your

Have financial liabilities. Lets understand the plan with an example

Mr. Mahesh (Age 30 yrs) is into the interior designing business. His wife does not work. They have a daughter, Komal, who is now 1 year old. Like all of us, he has big dreams for his family, especially his daughter. While he is building assets and progressing well in life, he is also creating liabilities such as home loan, car loan, etc. Mahesh is optimistic but also understands that life is uncertain. As he is the only earning member, he wants to ensure that his wife and daughters future is secure in case he is not around. Hence, he opts for AEGON Religares Save Guard Insurance Plan. His plan details are as follows: Death Benefit Option 1 with inbuilt Accidental Death Benefit Life Cover = 50 lakhs Cover period = 20 years Annual Premium = 36750 (excluding service tax)

If Mr. Mahesh would have died in an unfortunate accident during the policy period. His nominee would have received:

The full cover amount of 50 lakhs As per inbuilt accidental death benefit an amount equal to the base cover amount i.e. 50 lakhs Total Payout: 1crore (Base cover amount 50 lakhs + Accidental Death Benefit 50 lakhs) In a nutshell AEGON Religare Save Guard Insurance Plan provides the following benefits:

Payment of Cover Amount (Sum Assured) in case of death

Return of all premiums paid on maturity 2 Death Benefit options - with and without Accidental Death Benefit i.e. payout on death due to accident

Choice of adding the AEGON Religare CI Rider Tax benefits as per prevailing tax laws This plan not only protects your family with life cover but also pays back all your premium's at the end of policy period Now that youve understood this plan, here is how you can buy Step 1 : Choose the amount of protection, period for your policy and Death Benefit option. Step 2 : Our Life Advisor will help you fill in the application form. Step 3 : A cheque will have to be drawn in the favour of AEGON Religare Life Insurance. Step 4 : Expect a verification call from AEGON Religare call centre once you apply for the policy. Eligibility: Entry Age Minimum 18 years completed Maximum 55 years last birthday Maximum Age Maturity 65 years last birthday for 10 years PT 70 years last birthday for 15 years PT 75 years last birthday for 20 years PT Sum Assured Minimum Sum Assured Rs.2,00,000 Maximum

Option 1:With inbuilt Accidental Death Benefit - Maximum Sum Assured under this option is capped at 1 Crore. Option II:Without inbuilt Accidental. Death Benefit No Limit Annualised Premium Policy Term Premium Term Premium Term #The age at entry criteria is for the life tobe assured. *Themodal factor for modesother than Annualmodewill be: Half yearly Premium- Annual Premium x0.512;Monthly Premium- Annual Premiumx0.087 Payment Yearly, Half Yearly & Monthly Minimum: Rs 2860 p.a 10 years, 15 years, 20 years. Payment Equal to the Policy Term

Increasing Term Plan

Life is about moving forward, and as you scale new heights towards success, your income rises. Along with it, your lifestyle changes and so do the needs and expenses of your family. AEGON Religare Life Insurance now offers AEGON Religare Increasing Term plan that grows with your increasing responsibilities.

How do you apply for AEGON Religare Increasing Term Plan?

Step Step

1: 2:

Choose Decide

the on

amount the

of term

protection of

you your

need policy

Step 3: Our Life Agent will calculate the premium you will have to pay

Benefits

Death - In case of your unfortunate demise, the benefit payable is 100% of the Sum Assured in the first year which increases by 5% on every policy anniversary thereafter, till the amount payable on death becomes twice the Sum Assured. After that, the benefit payable remains twice the Sum Assured.

Tax Benefits

Tax Benefits - Section 80C, 10 (10D) of the Income Tax Act, 1961 would apply. Premiums paid for AEGON Religare CI Rider may qualify for a deduction under Section 80D of the Income Tax Act, 1961. Please consult your tax advisor for confirmation.

Riders

Besides life cover, AEGON Religare Increasing Term Plan offers you additional cover through riders. If you opt for a rider, you or your nominee will receive the rider Sum Assured, in case any of the following event / illness listed under the rider occurs.

AEGON Religare ADDD Rider - This rider benefit is paid on occurrence of any of the following

Death due to an accident Accidental dismemberment [loss of use of a limb(s) and / or eye(s)] Permanent total disability due to an accident Click here for details

AEGON Religare CI Rider - This rider covers the following 9 critical illnesses

Cancer (malignant) including Leukemia

Coronary Artery Bypass Surgery Heart Attack Kidney Failure Stroke Major Organ Transplantation Paralysis Heart Valve Surgery Surgery for disease of the Aorta

In case of Critical Illness, the Sum Assured will be paid 30 days after diagnosis of the critical illness or undergoing surgical procedure as the case may be.

Click here for details

Eligibility

Annualised Premium Sum Assured Entry Age Maturity Age

Minimum - Rs. 2,000 p.a for regular premium - Rs. 10,000 for single premium Minimum - Rs. 5,00,000 Minimum Maximum - 55 years Maximum - 75 years 18 years

Premium Pay Term Policy Term Premium Frequency

Single / Equal to the policy term Minimum Maximum - 30 years 10 years;

Payment Single, Yearly, Half- yearly, Quarterly, Monthly (via ECS only)

Other Features

Grace Period - You are allowed to pay premiums within 30 days from the due date. If a due premium is not received within the grace period, your policy will lapse and the life insurance cover, including the rider cover, if any, will be terminated.

Lapsed Policy Reinstatement - You can reinstate your lapsed policy any time (within 2 years from the due date of the first unpaid premium) by paying all the due premiums and undergoing underwriting requirements, if any.

Free Look Cancellation - In case, you are not satisfied, you may choose to cancel the policy within 15 days of receiving the policy documents. Upon such cancellation, you will be paid back the premiums, minus the cost of stamp duty, medical reports and proportionate premium for the period for which the risk was covered.

Terms and Conditions

Maturity - The policy does not acquire any maturity value, therefore no amount is payable to the Policy Holder on maturity.

Surrender - The policy does not acquire any surrender value throughout the policy term and therefore there is no amount payable to the Policy Holder upon surrender.

Rider - The benefit payable will not increase along with the increase in the base plan death benefit. Service Tax - Service tax or any other tax shall be levied as per the prevailing tax laws on premiums or benefits payable.

Exclusion - In case of death by suicide during the first policy year, or within one year from the date of reinstatement , no death benefit is payable.

Decreasing Term Plan

Loans or mortgages are riddled with worries and tension. You try to repay the amount and at the same time, ensure that your family is not affected and gets the best of everything. However, as time elapses, your liabilities reduce and hence the need for a plan which has a cover that declines and the premium you pay is low.

AEGON Religare Life Insurance offers AEGON Religare Decreasing Term Plan that ensures your liabilities dont give you stress.

How do you apply for AEGON Religare Decreasing Term Plan?

Step Step

1: 2:

Choose Decide

the on

amount the

of term

protection of

you your

need policy

Step 3: Our Life Agent will calculate the premium you will have to pay

Benefits

Death - In case of your unfortunate demise, the benefit payable is 100% of the Sum Assured in the 1st year, after which it will reduce by 5% on every policy anniversary.

Tax Benefits

Tax Benefits - Section 80C, 10 (10D) of the Income Tax Act, 1961 would apply. Please consult your tax advisor for confirmation.

Eligibility

Annualised Premium Sum Assured Entry Age Maturity Age Premium Pay Term

Minimum

Rs.

2,000

p.a

for

regular

premium

- Rs. 10,000 for single premium Minimum - Rs. 5,00,000 Minimum Maximum - 55 years Maximum - 75 years Single / 11 years (except for 10-year plan where premium pay term is equal to the policy term) Minimum Maximum - 20 years 10 years; 18 years

Policy Term Premium Frequency

Payment Single, Yearly, Half- yearly, Quarterly, Monthly (via ECS only)

Other Features

Grace Period - You are allowed to pay premiums within 30 days from the due date. If a due premium is not received within the grace period of 30 days, your policy will lapse and the life insurance cover will be terminated.

Lapsed Policy Reinstatement - You can reinstate your lapsed policy any time (within 2 years from the due date of the first unpaid premium) by paying all the due premiums and undergoing underwriting requirements, if any.

Free Look Cancellation - In case, you are not satisfied, you may choose to cancel the policy within 15 days of receiving the policy documents. Upon such cancellation, you will be paid back the premiums minus the cost of stamp duty, medical reports and proportionate premium for the period for which the risk was covered.

Terms and Conditions

Maturity - The policy does not acquire any maturity value, therefore no amount is payable to the Policy Holder on maturity.

Surrender - The policy does not acquire any surrender value throughout the policy term and therefore there is no amount payable to the Policy Holder upon surrender.

Service Tax - Service tax or any other tax shall be levied as per the prevailing tax laws on premiums or benefits payable.

Exclusion - In case of death by suicide during the first policy year, or within one year from the date of reinstatement, no death benefit is payable.

ULIP - Unit Linked Insurance Plans Unit Linked Insurance Policies or ULIPs as they are commonly called, are more innovative forms of life insurance that also offer returns on your investments. Every ULIP provides cover against death. In addition, these unit linked insurance plans also serve as great means of long-term savings, structured to give you miximum benefit. In simple words, investment in ulips is great combination of protection and investment.

AEGON Religare Future Protect Plan

Life, if systematically managed, can constantly keep changing for better, leading only to a more secured tomorrow. AEGON Religare Future Protect Plan aims to do just that for you.

With the help of our Life Agent, fill out the Life Planner that will help you take the steps to having your own plan.

How does the plan work?

Step 1: Decide on the amount of premium you wish to pay every year Step 2: Choose the amount of insurance cover you want (Sum Assured) Step 3: Decide on the policy term Step 4: Invest your premium in choicest of 4 Funds OR a unique Invest Protect option

Features & Benefits:

Maturity - On maturity, you receive the fund value existing on maturity date. If you do not wish to take the entire maturity amount at one go, you can avail of the Settlement Option.

Settlement Option - Under this option, you receive your maturity proceeds in installments over a period you choose (not exceeding 5 years). Investment risk during the settlement period is borne by you.

Partial Withdrawal - You can partly withdraw your money after first 5 policy years. The maximum amount of partial withdrawal allowed in any policy year is 20% of the fund value at the beginning of that policy year. You can also avail of AEGON Religare Future Protect Plans Systematic Partial Withdrawal facility by which we redeem units periodically from your unit account and credit the money to your bank account. You can opt for systematic partial withdrawals frequency; say monthly or quarterly for the duration you choose.

Discontinuance - You can discontinue the policy any time. Discontinuance value is paid after first 5 years. Discontinuance value is fund value minus the discontinuance charges of the year in which the premiums were discontinued. The charge will depend upon the period for which you have paid your premiums, for detailed charges refer to the brochure. There is no charge on top-up or if the policy is discontinued after 4 policy years.

Death - In case of your unfortunate demise during the policy term, the nominee will receive the sum assured or the fund value, whichever is higher. However, it will not be less than 105% of the total premium including top-up premium. The fund value is the number of units in your unit account multiplied by their respective unit price. For further details on the above benefits refer to Terms and Conditions in the brochure.

Tax Benefits - Premium paid under this policy will be eligible for tax benefit u/s 80C and the benefits received under the policy will eligible for tax benefit u/s 10(10D). Please consult your tax advisor for details.

AEGON Religare Future Protect Plus Plan If you opt for Invest Protect Option, it will not only help you gain from your investment but also minimise the risk to your returns as your policy nears maturity. It aims to protect your money by systematically shifting the Fund from Accelerator Fund to Secure Fund during the last 3 policy years.

E.g.: If you opt for a 15-year plan, the premiums paid (after premium allocation charges) will be invested in Accelerator Fund during the first 12 policy years, Stable Fund in the 13th policy year, Debt Fund in the 14th policy year and Secure Fund in the 15th policy year. Further, 10% of the total units at the beginning of 3rd last policy year will be switched monthly in Stable Fund. In 2nd last policy year 10% of the total units at beginning of year will be switched monthly in Debt Fund. Similarly, 10% of the total units at the beginning of the last policy year will be switched monthly in Secure Fund.

How does the plan work?

Step 1: Decide on the amount of premium you wish to pay every year Step 2: Choose the amount of insurance cover you want (Sum Assured) Step 3: Decide on the policy term

Step 4: Invest your premium in choicest of 4 Funds OR a unique Invest Protect option

Features & Benefits:

Maturity - On maturity, you receive the fund value existing on maturity date. If you do not wish to take the entire maturity amount at one go, you can avail of the Settlement Option.

Settlement Option -Under this option, you receive your maturity proceeds in installments over a period you choose (not exceeding 5 years). Investment risk during the settlement period is borne by you.

Partial Withdrawal - You can partly withdraw your money after first 5 policy years. The maximum amount of partial withdrawal allowed in any policy year is 20% of the fund value at the beginning of that policy year. You can also avail of AEGON Religare Future Protect Plus Plans Systematic Partial Withdrawal facility by which we redeem units periodically from your unit account and credit the money to your bank account. You can opt for systematic partial withdrawals frequency; say monthly or quarterly for the duration you choose.

Death - In case of your unfortunate demise during the policy term, the nominee will receive the sum assured along with the fund value. However, it will not be less than 105% of the total premium including top-up premium. The fund value is the number of units in your unit account multiplied by their respective unit price. For further details on the above benefits refer to Terms and Conditions mentioned later.

AEGON Religare Future Protect Premier Plan Your life has many phases and it changes with time. If managed properly, it can change for better. There are times when you wish to get a lot more from life with minimal efforts. We at AEGON Religare Life Insuranceunderstand this and to meet your requirements we present the Future Protect Premier Plan, a unit linked insurance plan. This limited premium paying ULIP provides you with the protection for a longer period to give you a secured tomorrow.

How does the plan work? Step 1: Decide on the premium payment term.

Step 2: Decide on the amount of premium you wish to pay every year Step 3: Choose the amount of insurance cover you want (Sum Assured). Step 4: Invest your premium in choicest of 4 Funds OR a unique Invest Protect option.

What is Invest Protect Option? If you opt for Invest Protect Option, it will not only help you gain from your investment but also minimise the risk to your returns as your policy nears maturity. It aims to protect your money by systematically shifting the Fund from Accelerator Fund to Secure Fund during the last 3 policy years.

Example: if your age at entry is 55 years and therefore the policy term becomes 15 years (70 less age at entry), the premiums paid (after premium allocation charges) will be invested in Accelerator Fund during the first 12 policy years, Stable Fund in the 13th policy year, Debt Fund in the 14th policy year and Secure Fund in the 15th policy year. Further, 10% of the total units at the beginning of 3rd last policy year will be switched monthly in Stable Fund. In 2nd last policy year, 10% of the total units at the beginning of year will be switched monthly in Debt Fund. Similarly, 10% of the total units at the beginning of the last policy year will be switched monthly in Secure Fund.

Benefits:

Maturity - On maturity, you receive the fund value existing on maturity date. If you do not wish to take the entire maturity amount at one go, you can avail of the Settlement Option.

Settlement Option -Under this option, you receive your maturity proceeds in installments over a period you choose (not exceeding 5 years). Investment risk during the settlement period is borne by you.

Partial Withdrawal - You can partly withdraw your money after first 5 policy years. The maximum amount of partial withdrawal allowed in any policy year is 20% of the fund value at the beginning of that policy year.

Discontinuance Value - You can discontinuance the policy any time. Discontinuance value is paid after first 5 years. Discontinuance value is fund value minus the discontinuance charges of the year in which the premiums were discontinued. The charge will depend upon the period for which you have paid your premiums, as given below. There is no charge on top-up or if the policy is discontinued after 4 policy years. This charge remains fixed throughout the policy term.

Death - In case of your unfortunate demise during the policy term, the nominee receives the sum assured or the fund value, whichever is higher. However, it will not be less than 105% of the total premium including the top-up premium. The fund value is the number of units in your unit account multiplied by their respective unit price. For further details on the above benefits refer to Terms and Conditions mentioned later.

Switch -This feature helps you shift your investments from one fund to another. Four switches are free of charge in each policy year.

Tax Benefit -The premiums paid and the benefits received under the policy will be eligible for tax benefits as applicable from time to time. Please consult your tax advisor for details.

Eligibility Premium Payment Annual Mode Monthly Mode Term 5 year pay Minimum Annualised 7 year pay 10 year pay (Rs.) 48,000 p.a. 30,000 p.a. 20,000 p.a. (Rs.) 5,000 p.m. 4,000 p.m. 3,000 p.m.

Premium (AP) Policy Term (years) Premium (years) Sum Assured (SA) Pay Term

70 Minus Age at entry

5 years / 7 years / 10 years

Minimum (age < 45 Higher of 10 times of Regular AP or (0.5 x Policy Term years) x AP) (age = > 45 Higher of 7 times of Regular AP or (0.25 x Policy Term years) x AP) Policy Term Upto 25 years 26 35 years 36 45 years Maximum (SA Multiple x AP) Entry Age Maturity Age Premium Frequency Payment Yearly & Monthly 46 55 years 56 years & above SA Multiple 10*AP 20*AP 30*AP 45*AP 50*AP

Minimum 7 years; Maximum - 60 years Maximum - 70 years

AEGON Religare Assure Plan Opportunities come and go. Some you take, some you miss. However, the agony that you feel for every missed opportunity is boundless and lingers on for eternity. At AEGON Religare Life Insurancewe understand this and hence we present to you the AEGON Religare Assure Plan; a plan that ensures that you never miss an opportunity to maximise your gains and at the same time are shielded from losses.

How does the plan work? Step 1: Decide on the amount of premium you wish to pay every year. Step 2: Choose the amount of insurance cover you want (Sum Assured) Step 3: Decide the premium paying term of your policy.

Step 4: Your premiums net of allocation charges are invested in the NAV Protector Fund.

What is Special NAV? Special NAV is 80% of the highest NAV declared on any reset day. Refer to the Terms & Conditions to understand how a special NAV is calculated for Regular Premium and Top-Up Premium.

What is the Special Fund Value? Special Fund Value is calculated as, higher of the NAV as on date or the Special NAV multiplied by the number of units in your unit account i.e. (Higher of NAV as on date or Special NAV) x Number of Units.

For example, the NAV is at its highest 40.12 in policy year 7 as per the graph above. On the date of maturity, even if the NAV is below the Special NAV, you are assured of receiving your Special Fund Value at an NAV of 32.10 which is 80% of the NAV in year 7.

Features & Benefits:

Maturity - On maturity, you receive the Special Fund Value (as explained above) as on maturity date.

Partial Withdrawal - You can partly withdraw your money after the first 5 policy years. The minimum amount of partial withdrawal is Rs. 5,000 and the maximum amount of partial withdrawal allowed in any policy year is 20% of the fund value at the beginning of that policy year.

Discontinuance - You can discontinuance the policy any time. Discontinuance value is paid after first 5 years. Discontinuance value is Special Fund Value minus the discontinuance charges of the year in which the premiums were discontinued. The charge will depend upon the period for which you have paid your premiums, as given below. There is no charge on top-up or if the policy is discontinued after 4 policy years.

Death - In case of your unfortunate demise during the policy term, your nominee will receive the Sum Assured or the Special Fund Value, whichever is higher. For further details, refer to Terms and Conditions mentioned later in the brochure.

Tax Benefit -The premiums paid and the benefits received under the policy will be eligible for tax benefits as applicable from time to time. Please consult your tax advisor for details.

Eligibility Minimum Premium* Yearly Mode Annualised Premium Payment Term 5 years 25,000 10 years 20,000

Half Yearly Mode Monthly Mode Policy Term Premium Payment Term Entry Age Minimum Maximum Maximum Maturity Age Sum Assured

NA NA 10 years

30,000 36,000

5 years & 10 years

7 years 70 years 80 years

Age less than 45 years: 10 times annualized premium Age greater than or equal to 45 years: 7 times annualized Minimum premium Age less than or equal to 50 years: 15 times annualized premium Age greater than 50 years: 7 Maximum times annualized premium

*The annualised premium will remain unaltered during the policy term.

AEGON Religare Assure Plus Plan Isnt it delightful when you know that you are shielded from uncertainties? Isnt it reassuring to know that things will always look up and you will benefit from them?

At AEGON Religare Life InsuranceLife Insurance we understand this reassuring and secure feeling and therefore we present you the AEGON Religare Assure Plus Plan. A plan that ensures that you are protected from the uncertainties of market fluctuations and at the same time gives you the confidence of maximising your gains.

How does the plan work? Step 1: Decide the lump sum premium that you wish to invest. Step 2: Your premiums net of allocation charge are invested in the fund(s) of your choice. You also have the choice to invest your premium in NAV Protector Fund

Features & Benefits:

Maturity - On maturity, you will receive the fund value / Special Fund Value (whichever is applicable) and policy will cease to exist.

Partial Withdrawal - You can partly withdraw your money after the completion of 5 policy years. The minimum amount of partial withdrawal is Rs. 5,000 and maximum amount of partial withdrawal is 20% of the fund value at the beginning of that policy year. After withdrawal the fund value should not be less than 20% of the single premium. If a Partial Withdrawal is made from the NAV Protector Fund, Special NAV will not be applicable on such a withdrawal.

Discontinuance - You can discontinue the policy anytime after completion of 5 policy years. Discontinuance value is the Fund Value or Special Fund Value as the case may be.

Death - In case of your unfortunate demise during the policy term, your nominee will receive higher of Sum Assured or Fund Value or Special Fund Value. For further details refer to Terms and conditions mentioned later in the brochure.

Tax Benefit -Tax benefits are available as per prevailing tax laws.

Eligibility Particulars Minimum age at entry Maximum age at entry Policy Term Eligibility Criteria 8 years last birthday 60 years last birthday 10 years Rs. 30,000 Minimum Premium Rs. 50,000 - if NAV Protector Fund is opted for Premium Payment Single Premium

Frequency

Age at Entry( years)

Upto age 5352 60

Minimum SA multiple Maximum SA Multiple Note: For Age up to 52 years, SA multiple can be only 5 or 10

5 10 5

AEGON Religare iMaximize Plan You work hard to give your family nothing but the best. We understand the effort you put to save every penny for your familys future. When it comes to investments, you want to reap the benefits at optimum costs. At AEGON Religare Life Insurance, our endeavour is to provide you with newer solutions that give you the best value for money. Keeping this in mind, we introduce AEGON Religare iMaximize Insurance Plan that aims to maximize your investment due to no Premium allocation charges, thus increasing the availability of more fund for investment. It is not only a value for money investment but also provides you a choice for opting the protection (death benefit) suitable for you. Moreover, you can avoid the trouble of going through a cumbersome process and get yourself insured directly, through our direct sales channels. It is not only simple but also available at your finger tips.

How does the plan work? All you need to do is follow these simple steps: Step 1: Choose to pay your premiums under regular payment mode or a one time lump sum as a single premium; Step 2: Choose the amount of insurance cover you need (sum assured); Step 3: Decide on the policy term; Step 4: Invest your premium in choicest of 3 investment funds OR opt for the unique 'Trigger Portfolio Strategy'.

Investment

Portfolio

Strategies

With AEGON Religare iMaximize Plan you have the option to choose from two unique 1. 2. Self Trigger Managed portfolio Portfolio Portfolio strategies: Strategy Strategy

Benefits:

Maturity - On maturity, you receive the fund value existing on maturity date.

Partial Withdrawal - You can partly withdraw your money after the first 5 policy years. The maximum amount of partial withdrawal allowed in any policy year is 20% of the fund value at the beginning of that policy year.

Discontinuance - You can discontinue your regular premium policy any time. Discontinuance value is paid after first 5 years. Discontinuance value is fund value minus the discontinuance charges of the year in which the premium was discontinued. The charge will depend upon the period for which you have paid your premium, as given below. There is no discontinuance charge on single premium policies or top-up or if the policy is discontinued after 4 policy years. Where policy the Discontinuance charges Discontinuance charges for premium

is for annualised premium annualised aboveRs.25,000

discontinued uptoRs.25,000 during the

policy year Lower of 20% (AP or FV) Lower of 6% (AP or FV) subject to maximum of Rs. subject to maximum of Rs. 1 3,000 6,000

Lower of 15% (AP or FV) Lower of 4% (AP or FV) subject to maximum of Rs. subject to maximum of Rs. 2 2,000 5,000

Lower of 10% (AP or FV) Lower of 3% (AP or FV) subject to maximum of Rs. subject to maximum of Rs. 3 1,500 4,000

Lower of 5% (AP or FV) Lower of 2% (AP or FV) subject to maximum of Rs. subject to maximum of Rs. 4 5 onwards 1,000 Nil 2,000 Nil

Death - You have the option to choose death benefit if you have opted for regular premium.

Death Benefit Option 1: in case of an unfortunate demise of the Life Assured, the nominee receives higher of Sum Assured (including sum assured increased on account of payment of top up premium) or Fund Value or 105% of all the premiums paid. The policy terminates thereafter.

Death Benefit Option 2: In case of an unfortunate demise during the term of the policy, the nominee receives death benefit

Eligibility Parameter Annualised Premium Minimum Entry Minimum: Regular Premium Option 1: 7 Age Minimum Entry Age Maximum Maturity Age years Regular Premium Option 2: 18 years 60 years Regular Premium Minimum Rs.24,000 Single Premium Minimum Rs.50,000 Minimum: 7 years

75 years Age entry at Policy term

Policy Term

15 / 20 / 25 years

Upto 50 10 years years

51 years 5 years

& above Premium Payment Term Sum Assured Minimum Age < Higher of 10 times of Regular AP or (0.5 x 1.25 45 years Age >= 45 years Policy Term x AP) x Single Equal to the policy term Single pay

Premium x Single

Higher of 7 times of Regular AP or (0.25 x 1.10 Policy Term x AP) 30 x AP. However, you have the option to

Premium 10 x Single

Maximum

choose the multiple of 15 / 20 / 25 times the annualised premium.

Premium

Premium Payment Frequency Monthly and Annual Single

Saving Plans Savings Plans help you save and grow your money. Savings Plan is a category of goal-based financial solutions that offers wealth creation opportunities. At AEGON Religare Life Insurance we have created products that cater to these

very needs.

Flexi Money Back Insurance Plan The Flexi Money Back Insurance Plan covers you beyond the premium payment term. Whats more, your bonus accrues from 1st year onwards and it also gives you income at regular intervals in addition to your maturity benefits.

How does the plan work? Step Step 1: 2: Choose Choose the the level of Policy protection. Term.

Step 3: Depending upon the above choices, annualised premium will be calculated. You will get periodic survival benefits as per the table mentioned below.

Key Advantages of AEGON Religare Flexi Money Back Insurance Plan

Life cover continues even after the end of premium payment term. Additional accidental death benefit. Bonus accrues first year onwards. Inflow of income at regular intervals. Choice of three policy terms to suit your financial needs. In case of death during the policy term, 100% of sum assured along with accrued bonus paid.

Benefits:

Periodic Survival Benefits - You will receive certain percentage of sum assured as periodic survival benefit during the policy term.

Maturity Benefit - At the end of the policy term, you will be entitled to receive 40% of sum assured along with accrued bonus and terminal bonus.

Death Benefit - In case of your unfortunate demise, the nominee receives the sum assured or paid-up sum assured along with the simple reversionary accrued bonus.

Bonus - Your policy will participate in the profits emerging in the participating fund managed by the Company.

High Sum Assured Discount - You pay lesser premium if you choose sum assured of Rs.500,000 and above.

Paid-Up Policy - Incase you fail to pay your premiums after 3 years, the policy still continues with the paid-up sum assured.

Surrender Benefit - The policy will acquire guaranteed surrender value on payment of 3 full years premiums and surrender value will be paid after the completion of 3 years.

Tax Benefit -Tax benefits are available as per the prevailing tax laws. Please consult your tax advisor for details.

Eligibility Entry Age Minimum 90 days completed; risk cover will commence after life assured attains 7 years last birthday. Maximum 60 years last birthday for 14 years policy term; 58 years last birthday for 17 years policy term; 54 years last birthday for 21 years policy term. Maximum Maturity 75 years last birthday Age Minimum Assured Policy Term/Premium Payment Term 14 years 17 years 21years Premium Mode* 10 years 12 years 15 years Policy Term Premium Payment Term Sum Rs.100,000

Payment Annually, Half Yearly & Monthly

* The modal factor for modes other than Annual mode will be: Semi Annual Premium - Annual Premium x 0.512; Monthly Premium - Annual Premium x 0.087.

Endowment Plan Your family looks to you for support and strength. You have given them the best till now and you would want them to get the best even in the future. However, no one has control over uncertainties of life. Will they be able to sustain the same lifestyle even in your absence? To deal with your concern and give your family the best, AEGON Religare Life Insurance offers AEGON Religare Endowment Plan. This plan offers 200% of the sum assured along with accrued bonus in the unfortunate event of your demise.

How does the plan work? Step Step Step 3: 1: Choose 2: the level of the Premium protection (Sum Policy Payment Assured). Term. Term.

Choose Choose the

Depending on the above choices, the premium will be calculated.

Benefits:

Maturity Benefit

- At the end of the policy term, you will be entitled to receive 100% of sum assured or paid up sum assured, as applicable with the accrued simple reversionary bonus.

Death Benefit - In case of your unfortunate demise, the nominee receives 200% of the sum assured or 100% paid-up sum assured along with the accrued simple reversionary bonus and the plan cease to exist.The plan also provides life coverage for a period of 5 years from the date of maturity of the policy. In case of death during the extended life cover period, the nominee will get 100% of the sum assured. This benefit is available provided the policy is in force for full sum assured as on the date of maturity of the policy. In case of death before attaining 7 years of age, the death benefit will be return of all premiums paid along with the accrued simple reversionary bonus and the plan cease to exist.

Bonus - Your policy will participate in the profits emerging in the participating fund managed by the Company. The Company will declare simple reversionary bonus as percentage of sum assured every year provided the policy is in force for full sum assured. Bonuses once declared form a part of guaranteed benefits of the plan. The bonus will be paid in case of maturity or on an earlier demise. The reversionary bonus is declared keeping in mind a long term view of investment returns, expenses, mortality and other experiences. Bonus will be declared at the end of every financial year and will be credited on subsequent policy anniversary. Bonus will only accrue if the first three years premiums have been paid. The bonus at the end of third year will include the bonus declared in previous three years. The company may also declare a terminal bonus for maturing inforce policies depending on the experience of the participating fund. The bonus is not available for extended life cover period of 5 years from the date of maturity of the policy.

High Sum Assured Discount - You pay lesser premium if you choose sum assured of Rs.250,000 and above.

Paid-Up Policy - Incase you fail to pay your premiums after 3 years, the policy still The continues paid-up sum with assured the will paid-up be sum as assured. below:

calculated

{(Total premiums received / Total premiums expected over the term) x (Sum Assured)}. If the policy continues in paid up sum assured then the policy is not eligible for bonus .

Surrender Benefit - The policy will acquire guaranteed surrender value on payment of 3 full years premiums and surrender value will be paid after completion of 3 years. You have the option to surrender the policy anytime after payment of 3 years premium. In case of surrender, the policy is first converted to paid-up policy. The Surrender Value is calculated as Surrender value factor X (paid-up sum assured + accrued bonuses). The company may declare surrender values that are higher than the guaranteed surrender values. The factors for such surrender values will be decided from time to time with prior approval from IRDA. Surrender value of accrued bonuses will be paid only if at least three years premiums are paid.

Tax Benefit -Tax benefits are available as per the prevailing tax laws. Please consult your tax advisor for details.

Eligibility

Entry Age

Minimum 90 days complete ; Risk cover will commence from 7 years of age as on last birthday. Maximum 60 years last birthday

Maturity Age Minimum Premium Minimum Assured Policy Term Premium Term Premium Mode*

75 years Rs.6,000 p.a.

Sum Rs.100,000

15 / 20 / 25 years Payment 5 / 7 / 10 / equal to the policy term

Payment Yearly, Half Yearly & Monthly

* The modal factor for modes other than yearly mode will be: half yearly Premium - yearly Premium x 0.512; Monthly Premium - yearly Premium x 0.087.

Retirement Plans The rising inflation has put the fear of the unseen in every working persons life. Today, more than ever, it is vital that you save for the golden years post retirement so that you can maintain your lifestyle as today. AEGON Religare Pension Plan comes with a unique Lifestyle fund which

systematically reduces the risk to your returns by reducing the equity exposure of your investments progressively throughout the policy term. Pension plans offered by life insurance companies provide you with a regular pension that will help you take care of the much needed basic necessities post retirement and assure a secured tomorrow.

Insta Pension Plans Your family looks to you for support and strength at all times. Whether markets crash, prices rise or unforeseen events run riot with your budgets, you manage to come out of such situations on top. All your life, you strive hard and make sure you earn enough and more to ensure that you and your family get the best of everything. Why should your post-retirement life be any less?

At AEGON Religare Life Insurance we understand this. Hence, we bring you the AEGON Religare Insta Pension Plan. A plan that pays you a continuous income post your retirement for the rest of your life. So that you maintain your current lifestyle even after retirement and live the way you always have without compromise.

How does the plan work?

Step 1: Decide the amount of premium (lump sum amount) you want to pay to purchase the Annuity Plan.

Step 2: Choose any one of the two available annuity payout options. Step 3: Choose the annuity payout mode with which you would want to receive your annuity.

Step 4: Choose the most convenient way to receive your annuity amount from any of the two available options.

Purchasing an Annuity

As soon as you purchase an annuity plan, you start getting a regular income in the form of an annuity. The actual amount you receive as annuity will depend upon the Annuity Rates applicable at the time of purchasing the annuity.

Benefits

Lifetime

Income

Depending on the annuity payout option that you choose, the AEGON Religare Insta Pension Plan provides you and your spouse an income for life.

Features

Annuity

Payout

Options

You have the choice to select from any of the following Annuity Payout Option.

Life Annuity

If you choose the Life Annuity option, you will receive your annuity payment for as long as you live.

Joint

Life

Annuity

Under this option, an annuity is paid to you for your entire life. In case of your unfortunate death, the annuity payment will be continued to be paid to your spouse, till your spouse is alive.

Annuity

Payout

Mode

You can choose to receive your annuity either on a monthly or on an annual basis. Options to receive you annuity

You have the option to receive your annuity amount either by cheques or by direct credit to your bank account.

Eligibility

Premium

Minimum: Maximum: No Limit

Rs.

1,00,000

Premium Pay Term Entry Age

Single Premium Minimum: Maximum: 85 years 50 years

Entry Age of Spouse

Minimum: Maximum: 85 years

50

years

AEGON Religare Guaranteed Income Plus Plan

In todays life, very few things come with guarantees. Life can be uncertain but your financial planning need not be. At AEGON Religare Life Insurance we understand this and hence present you with the AEGON Religare Guaranteed Income Plus Insurance Plan. A life insurance plan which assures you a guaranteed income of 7.5% of Sum Assured till you attain the age of 85.Here is a chance to make a guaranteed financial decision.

Lets

understand

the

plan

with

an

example

Mr. Mahesh (age 30 years) works with an IT company. His wife is working with a financial services company. They have a daughter,Suman, who is now 4 years old. Mr. Mahesh has witnessed high levels of inflation over the recent past.It has caused him great concern with regard to his future expenses. He lives a particular lifestyle and wants to continue living the same way, especially after retirment. His foresight compelled him to secure his future with AEGON Religares Guaranteed Income Plus Insurance Plan. His plan details are as follows: Base Sum Assured = 10 lakhs, Premium Payment Term = 20 years,Policy Term = (85 - 30) years = 55 years. Monthly premium = 8,382 (exclusive of service tax)

In a nutshell Guaranteed Income Plus provides the below benefits:

7.5% of the Sum Assured will be paid to you every year till you attain the age of 85. This benefit is paid on every policy anniversary starting one year after the end of Premium Payment Term.

Life Cover till 85 years. Tax benefits as per prevailing tax laws. Now that youve understood this plan, here is how you can buy Step1: Choose the the Premium Payment Term,

Step2: Our Life Advisor will help you fill in the application form. Step3: A cheque will have to be drawn in the favour of AEGON Religare Life Insurance Co. Ltd.

Step4: Expect a verification call from AEGON Religare call centre on issuance of the policy. Eligibility: Entry Age Minimum 20 years last birthday* Maximum 55 years last birthday for premium payment term of 15 years Maximum 50 years last birthday for premium payment term of 20 years Maximum Age Minimum Assured Policy Term The policy term is fixed at 85 years less age at entry of the life assured subject to minimum policy term of 30 years. Premium Term Premium Term * The modal factor for modes other than yearly mode will be: half yearly Premium - yearly Premium x 0.512; Monthly Premium - yearly Premium x 0.087. #The age at entry criteria is for the life to be assured. Some of the circumstances when the life assured and policy holder may be different are as below: Payment Yearly, Half Yearly & Monthly Payment 15 / 20 years Sum Rs.100,000 Maturity 85 years last birthday

Husband proposes the policy in the name of his spouse and vice versa. Parent proposing the policy in the name of the child. Where child is minimum 20 years of age and vice versa. There may be other circumstances wherein the policy holder and the life assured are different. The company will follow the principle of insurable interest in this regard.

Child Insurance Plans AEGON Religares Child Plans help you save for your childs milestones in a disciplined manner. These plans take care of your childs future aspirations in the event of your unfortunate demise.

AEGON Religare Educare Plus Plan In an extremely competitive world, a good education gives your child a head start over the rest. With spiraling education costs, it is extremely difficult to be ready with the wherewithal to ensure there is no hindrance in what your child has opted to do, for a living, for a future.

We at AEGON Religare Life Insurance present you with the AEGON Religare EduCare Plus Plan. This plan provides you with lump sum payouts during the last four policy years so that college fees is never a hassle!

Lets

understand

the

plan

with

an

example.

Mr. Rakesh (Age 30 years) is an architect with a real estate firm. His wife is a doctor and has her own clinic. Their daughter Komal is now 1 year old. Mr. Rakesh understands that education costs are rising and that life is uncertain. He wants to ensure that Komals education is financially secure even if he is not around. He has ongoing investments in equity and mutual sfunds.However, he does notwant to depend on market returns for his daughters future and wants the security of guaranteed returns. Hence, he opts for AEGON Religares Educare Plus Insurane Plan as well as the AEGON Religare Rider(ADDD).

Base Sum Assured = 10 Lakhs, ADDD Sum Assured = 10 Lakhs, Policy Term = 20 years, Premium Payment Term = 16 years, Monthly Premium = 8048 (exclusive of service tax). Below are 2 scenarios's to demonstarte working of plan:

Onmaturity,Mr.Rakeshgets`10 lakhs as Based Sum Assured.Plus bonus 10.6 lakhs @ 6% or 20.5 lakhs @ 10%.

As per the second scenario, total premiums paid by Mr. Rakesh = 8048 X 24 months = 1, 93,152 (exclusive of service tax)

Total guaranteed payouts available to Komal = 40 lakhs ( 20 lakhs Base Sum Assured + 10 lakhs ADDD Sum Assured + 10 lakhs guaranteed payouts) Guaranteed payouts available to Komal are 20 times the premiums paid by Mr. Rakesh. This is because of the Capital Sum Assured feature. In a nutshell Guaranteed Income Plus provides the below benefits:

Guaranteed payouts during the last 4 policy years Increase in the benefit amount every year by way of bonuses Tax benefits as per prevailing tax laws. Consult your tax advisor for details. Now that youve understood this plan, here is how you can buy

Step1: Choose your policy term ,Premium Payment Term and amount of protection Step2: Our Life Advisor will help you fill in the application form. Step3: A cheque will have to be drawn in the favour of AEGON Religare Life Insurance Co. Ltd.

Step4: Expect a verification call from AEGON Religare call centre on issuance of the policy.

Eligibility Entry Age Minimum 20 years last birthday Maximum 60 years last birthday for 14 years policy term; 59 years last birthday for 16 years policy term; 55 years last birthday for 20 years policy term. Maximum Age Minimum Premium Minimum Assured Policy Term Premium 14 / 16 / 20 years Payment 10 years for 14 year policy term term Rs.9,800 p.a. Maturity 75 years last birthday

Sum Rs.100,000

Term

12 years for 16 years policy term 16 years for 20 years policy term

Premium Mode*

Payment Yearly, Half Yearly & Monthly

* The modal factor for modes other than yearly mode will be: half yearly Premium - yearly Premium x 0.512; Monthly Premium - yearly Premium x 0.087.

AEGON Religare Rising Star Plan Your dream has always been to see your children outshine your dreams. To be able to meet their needs and aspirations is what you always strive towards. Life, if systematically managed, can keep changing for the better leading to a more secure future for your children. AEGON Religare Rising Star Plan aims to help you in doing just that. It not only makes provisions for your childrens future but also ensures that their future remains secured. With the help of our Life Advisor, fill out the Life Planner that will help you take the steps to having your own plan.

How does the plan work? Step 1: Decide on the amount of premium you wish to pay every year Step 2: Choose the amount of insurance cover you want (Sum Assured) Step 3: Decide on the policy term and premium pay term of your policy

Step 4: Invest your premium in choicest of 4 Funds OR a unique 'Invest Protect' option.

Features & Benefits

Death- In case of your unfortunate demise during the term of the policy, the nominee will receive the following as death benefit:

Higher of Sum Assured or 105% of all premiums paid immediately; All future premiums will be waived and paid into the Policy Fund Value; An amount equal to the annualised premium will be paid every year to the nominee On maturity, Policy Fund Value will be paid.

Maturity - On maturity, you receive the fund value existing on the maturity date. If you do not wish to take the entire maturity amount at one go, you can avail of the Settlement Option.

Tax Benefits - The premiums paid and the benefits received under the policy will be eligible for tax benefits as applicable from time to time. Please consult your tax advisor for details.

Partial Withdrawal You can partially withdraw money after first 5 policy years. The maximum amount of partial withdrawal allowed in any policy year is 20% of the fund value at the beginning of that policy year. You can also avail of AEGON Religare Rising Star Plans Systematic Partial Withdrawal facility by which we redeem units periodically from your unit account and credit the money to your bank account. You can opt for systematic partial withdrawal frequency; say monthly or quarterly for the duration you choose.

Switch - This feature helps you shift your investment from one fund to another. Four switches are free in a policy year.

Top-Up Premium - A Top-Up premium is an additional amount of premium over and above the contractual basic premiums with a minimum amount of Rs. 5,000. You can top-up your premium anytime after the 1st policy year and apart from the last 5 policy years.

Discontinuance - You can discontinuance the policy any time. Discontinuance value is paid after first 5 years. Discontinuance value is fund value minus the discontinuance charges of the year in which the premiums were discontinued. The charge will depend upon the period for which you have paid your premiums, as given below. There is no charge on top-up or if the policy is discontinued after 4 policy years. This charge remains fixed throughout the policy term.

Eligibility Minimum Annualised Premium* (AP) Policy (years) Premium Term (years) Sum (SA) Minimum (age is Higher of 10 times of Regular Annualised less years) (age is than 45 Premium or (0.5 x Policy Term x Annualised Premium) greater Higher of 7 times of Regular Annualised Assured Pay Equal to the policy term Other modes: Rs. 30,000 p.a. Annual mode: Rs. 20,000 p.a.

Term 25 years less age at entry of the child in completed years

than or equal to Premium or (0.25 x Policy Term x 45 years) Maximum (SA Annualised Premium)

Multiple x AP)

30 times Regular Annualised Premium Parent (Life Assured) Minimum 18 years; Maximum - 60 years

Entry Age Child (Nominee) Minimum 1 day; Maximum - 15 years

Maturity Age Premium Payment Frequency

Maximum - 75 years

Yearly, Half-yearly, Monthly

*The annualised premium will remain unaltered during the policy term.

Aegon Religare Rural Insurance Plans Rural Plans are special low cost plans designed to suit the unique life insurance requirements of people living in rural areas

Rural Term Plan A low-cost plan that offers 100 times of your premium as life cover.

How do you apply for AEGON Religare Rural Term Plan?

All you need to do is choose the amount of premium you need to pay.

Benefits

Maturity On Survival till the end of policy term, you receive an amount of 110% of the Single Premium paid.

Death - In case of your unfortunate demise during the policy term, the benefit payable to your nominee is the Sum Assured which is 100 times of the Single Premium paid.

Surrender - You can surrender the policy anytime you want. Guaranteed Surrender value is the percentage of the Single Premium you have paid.

Tax Benefits - Section 80C, 10 (10D) of the Income Tax Act, 1961 as applicable would apply.

Aegon Religare's Group Insurance Plans Group Insurance plans from AEGON Religare life insurance are designed for

your employees and group members. By providing savings along with financial security to their families, these cost-effective plans help you to attract and retain your employees and group members.

Group Term Plan There is a well known saying People make the place. No matter which industry you are in, the value that individuals bring to an organization cannot be underestimated. Most of the people at your work place have a family that financially depends on them. Hence, each one needs life insurance. Providing basic financial security for these employees would not go unnoticed.

AEGON Religare Group Term Plan provides the members of your group with a life insurance plan so that their families needs are looked after.

How do you apply for AEGON Religare Group Term Plan?

Step 1: Decide on the number of people in your group (minimum 50 members) Step 2: Choose the amount of protection your group members need Step 3: Derive at the Sum Assured for every member on the basis of: a) b) Flat / Multiple Fixed Cover for of all salary members

c) Grade wise cover

Benefits

Death - In case of any members unfortunate demise, you will be paid the Sum Assured for the nominee.

Eligibility

Minimum - Depends upon the group Size & Sum Premium Assured Maximum - No limit Sum Assured Minimum Rs. 5,000 per member opted

Maximum - Rs. 2,00,000 per member Minimum Maximum - 59 years Maximum - 60 years Minimum Maximum - No limit Equal to the policy term 1 year (yearly renewable) Payment Single,Half- yearly, Quarterly, Monthly (via ECS only) 50 members 18 years

Entry Age Maturity Age Size of the Group Premium Pay Term Policy Term Premium Frequency

Gratuity Insurance

Gratuity is a statutory benefit paid to the employees under the Payment of Gratuity Act, 1972 who have rendered continuous service for at least five years. The employee is eligible for 15 days of salary (basic pay plus DA) for each completed year of service. The employer can also structure a gratuity benefit that is higher than statutory requirements. The gratuity benefit is payable on cessation of employment (either by resignation, death, retirement or termination, etc.) by taking the last drawn salary as the basis for the calculation.

Gratuity payment liability tends to increase as the salaries and tenure of employment increase annually. An employer may pay out gratuity proceeds from his current revenue; however, to ascertain the gratuity liability of the employer and for more prudent financial planning, it is beneficial to set up a gratuity fund.

AEGON Religare Group Gratuity Plan AEGON Religare Life Insurance offers a unit-linked group gratuity plan that helps to fund the statutory gratuity obligation in a scientific manner and also avail of the tax benefits as applicable to approved gratuity funds.

What is the gratuity benefit? The accrued gratuity benefit is payable on cessation of employment (either by resignation, retirement or termination) as advised by the policyholder subject to the availability of sufficient funds in the policyholders account.

Features

Life Insurance Cover - AEGON Religare Group Gratuity Plan provides greater value to your employees by packaging gratuity with life cover.

Death Benefit - The accrued gratuity benefit is payable on cessation of employment due to death as advised by the policyholder subject to the availability of sufficient funds in the policyholders account plus the sum assured applicable for individual member. The liability of the insurer for a scheme will be limited to the fund value plus the sum assured of individual member.

Under any circumstances, if the account balance is not sufficient to pay the stated benefits as per Trust Deed and Rules, the shortfall will be borne entirely by the policyholder. For all death claims the life cover along with the accrued gratuity will be payable to the policyholder.

How would gratuity contributions be made? The gratuity contribution payable under this policy every year could be based on the actuarial valuation of the employers group gratuity scheme. The gratuity contribution is not level and may vary from year to year. Each gratuity contribution received from the policyholder will be allotted in a proportion as selected by the policyholder among the investment funds chosen by the policyholder.

How would be life insurance premium paid? Life insurance premium is payable in addition to the gratuity contribution payable towards funding of gratuity benefit. The life insurance premium is collected separately from the gratuity contribution.

The life insurance premium for the group at inception / renewal of the policy will be calculated based on age specific rates and guaranteed for only one year. The life insurance premium rate applicable to the new joinees during the policy

year will be a unit rate. This unit rate will be calculated as total life insurance premium divided by total sum assured *1000, at the inception/renewal of the policy. This unit rate will remain constant throughout that policy year. Applicable service tax will be levied on the life insurance premium.

Benefits

Free annual actuarial valuation Multiple Investment Options Choice of multiple funds with a

flexible investment pattern.

Switching Option - While you have chosen a fund option, you have the flexibility of switching between our various funds at any time. Switching between the various funds is allowed depending upon your requirements. We allow unlimited switches free of cost every year. Gratuity Contribution Redirection The gratuity contributions can be redirected for investments into fund/s of your choice and need not adhere to the initial investment pattern. We allow unlimited redirection requests free of cost.

Transparency - Portfolio Disclosure of the funds is done on a Quarterly basis. This enables you to achieve better fund management.

NAV* declaration- NAV is declared daily, enabling you to track the performance of the fund chosen by you. *NAV = (Market / Fair value of schemes investments+ Current Assets Current Liabilities & Provisions) / No. Of units Outstanding under the relevant plan

Unit Pricing- The contribution received in respect of the client is converted into number of units based on the Net Asset Value (NAV) per unit at that point of time.

Addition of new member? All new joinees become a part of the group, if they meet the eligibility criteria (as specified in the scheme rule provide by the policyholder). The life cover starts from the date of joining the company or as specified in scheme rules provided by Policyholder. The particulars of the new joiners may be submitted by the policyholder on a monthly basis. The premium for life insurance cover is payable annually in advance (on a pro-rata basis).

Free Look Period If policyholder is not satisfied with the terms and conditions of the policy, policyholder may choose to cancel the policy within 15 days of receiving the policy documents along with stating the reason for such cancellation. Upon such cancellation, the policyholder will be paid back the following amount: (Fund value + proportionate life insurance premium for unexpired period) (stamp duty + cost of medical, if any)

AEGON Religare Group Leave Encashment Plan Are you running a scheme for your employees that offers benefits like leave encashment that will be payable in the future? Since such liabilities increase with time, it may become difficult to pay the benefits as you go. It is therefore beneficial that the employer sets up a separate fund from which these benefits may be paid

out.AEGON Religare Life Insurance now offers a market linked Group Leave Encashment Policy designed to fund for such benefits.

Product offering AEGON Religare offers a market linked plan that offers higher flexibility and transparency than any other traditional or self-administered leave encashment scheme. We offer multiple fund options to meet your diverse financial goals. The investments will be made in accordance with the fund objectives.

Investment Fund

Objective

Asset Allocation

This fund will aim to generate Equities: o investment income by investing 0% Group Debt Fund in a diversified portfolio of Fixed Interest Securities o government debt, corporate debt & Money Market

and money market instrument of Instruments: varying maturities.

100%

This fund will aim at investing in Equities: o equities of various sectors to 80% / 100% Group Equity Fund diversify the portfolio and to Fixed Interest Securities o generate returns in the long term. & Money Market

The fund will also have the Instruments: flexibility to invest in fixed 0% - 20% interest assets and money market instruments up to 20%.

Benefits

Free annual actuarial valuation every year Multiple Investment Options Choice of multiple funds with a flexible investment pattern.

Switching Option - While you have chosen a fund option, you have the flexibility of switching between our various funds at any time. Switching between the various funds is allowed depending upon your requirements. We allow unlimited switches free of cost every year. Contribution Redirection The contributions can be redirected for investments into fund/s of your choice and need not adhere to the initial investment pattern. We allow unlimited redirection requests free of cost.

Transparency - Portfolio Disclosure of the funds is done on a Quarterly basis. This enables you to achieve better fund management.

NAV* declaration- NAV is declared daily, enabling you to track the performance of the fund chosen by you. *NAV = (Market / Fair value of schemes investments+ Current Assets Current Liabilities & Provisions) / No. Of units Outstanding under the relevant plan

Unit Pricing- The contribution received in respect of the client is converted into number of units based on the Net Asset Value (NAV) per unit at that point of time.

Eligibility Features Description

Eligibility Policyholder Minimum group size

Employer employee groups Employer 25 employees Minimum: 18 years age last birthday

Entry Age

Maximum: As specified in the scheme rule subject to maximum of 74 years on last birthday As specified in the scheme rule subject to maximum of 75 years age last birthday Minimum policy term: 1 year Maximum policy term: No limit towards

Maturity Age

Policy Term

Contribution

Leave Encashment

No Limit

Minimum Life Insurance Premium: Depends on the total sum assured for all members in Life Insurance Premium scheme. Maximum Life Insurance Premium: Depends

on the total sum assured for all members in scheme. Minimum: Rs.1,000 per member Maximum: As defined in the scheme rule.

Sum Assured

Contribution benefit:-

towards

leave

encashment

Contributions towards Leave Encashment can Premium Mode Payment be paid any time during the policy term as provided in the scheme rule by the policyholder

Life Insurance Premium:- Annual renewal premium

Group Credit Life Plan Have you given a thought as to what if something was to happen to any member of your group ? At one hand, you would want to safeguard the outstanding loan amount and at the other, you would also want to help his family in such a difficult time. To deal with your concern, AEGON Religare Life Insurance offers you AEGON Religare Group Credit Life Plan, which not only provides the members of your group with a life insurance plan but also adequately covers their outstanding loan amount so that your as well as their families needs are looked after, at an affordable cost.

Key Features

Certificate of Insurance - On acceptance of risk and premium, certificate of insurance shall be issued to respective members.

Other Features

Inclusion and Exclusion of Members - A member will be included from the date of joining the group as per the scheme rules. A member will be excluded from the group on expiry of the loan period or member attaining maximum age permissible under the policy or on foreclosure of loan.

Participation into the scheme - It is voluntary to participate in the scheme for the existing and new members. Free Look Cancellation - In case, you are not satisfied with the policy, you may choose to cancel it within 15 days of receiving the policy by returning the policy documents to us with a letter stating the reason for cancellation. Upon such cancellation, you will be paid back the premium, minus the cost of stamp duty and medical examination (if any) and proportionate premium for the period for which insurance cover and rider cover, if any was provided up to the date of cancellation, for the members.

Grace Period - You are allowed to pay premiums within 30 days from the due date of your premium payment date. If the due premium for the respective member is not received within the grace period, the respective member cover will lapse and

no benefit is payable. However in case of death during the grace period, any premium due shall be recovered from the benefit payable.

Benefits

Death Level Sum Assured - In case of any members unfortunate demise, benefit payable is the chosen sum assured. Decreasing Sum Assured - In case of any members unfortunate demise, benefit payable is the sum assured as per the sum assured schedule. The Sum Assured schedule will be decreasing at the interest rate as defined in the scheme rules.