LIVE LIFE FULLY COVERED

WHY IS IT SO IMPORTANT IN LIFE AND FOR LIFE

Regardless of how much you earn, no one knows what the future holds.
You may be healthy now and thinking about paying a premium for Life Insurance may seem
to be an expense or an added financial burden.
First let us understand that Life Insurance premium is not an expense, it is a saving of our
earnings with added advantage of Life Cover. Let us imagine that someone (bread winner)
suddenly falling ill, that person may not be in a position to work and earn, and as such any
unforeseen unfortunate thing happens? Think about the dependents?.
On the other hand most of the people live too long after retirement age and not able to
work and earn. In either event one who got Life Insured then Life Insurance will come in to
force to re inforce his earnings for longer or life time. Life Insurance plan is a great tool for
both protection as well as helping a customer to save some percentage of his earnings in a
disciplined manner, which leads to create a good corpus fund.
Buying Life Insurance is one of the most important financial decision for a peaceful family.
The need for Life Insurance changes at different stages of your life cycle depending on the
financial obligations and dependencies.
Let us see the most compelling reasons for buying a LIFE INSURANCE.
1. A tool for forced savings
2. Looking after your loved ones.
3. Dealing with debt
4. Helps achieving long term goals
5. Life Insurance supplements your Retirement Goals
6. Buying Life Insurance in young age is cheaper in premium.
7. Tax saving purposes
8. You may not be qualified for it later
9. Rider benefits
10. Peace of Mind
 SMART LIFESTYLE
( Non-Linked Participating Endowment Life Insurance Plan)

Entry Age: Base Option : 1 Year To 50 Years Maturity Age : 18 Years To 70 Years
Family Protection : 18 Years To 40 Years 28 Years To 60 Years

Rewards for staying invested in the form of increasing LOYALTY SUM ASSURED.
Provides additional boosters in the form of GUARANTEED ADDITIONS throughout the
Policy Term. Grows wealth by way of REVERSIONARY BONUS throughout the Policy Term.
Family Protection Option continues and pays the entire maturity benefit even in the
absence of the policy holder.
EDUSAVE
(Non-Linked Participating Life Insurance Plan)

Entry Age : 18 Years To 45 Years Maturity Age : 60 Years

All benefit under the plan continues (without premium) even after the policy holder
demise during the policy term. Various pay out plans on maturity. Flexibility is provided to
change the plan in case the requirement undergo a change in future. Loan facility to meet
any urgent/unforeseen liquidity requirements.

CASHFLOW PROTECTION PLUS

(Non-Linked Participating Life Insurance Plan)

Entry Age : 91 Days Child To 55 Years Maturity Age : 100 Years

Guaranteed Income and Protection till 100 years of age. Lump-Sum through
REVERSIONARY BONUS. Loan facility to deal with emergencies. Guaranteed Money Back
as well as Non-Guaranteed Cash Bonus.

GCAP
(Non-Linked Non-Participating Guaranteed Returns Life Insurance Plan)
Entry Age : 91 Days Child To 55 Years Maturity Age : 18 Years To 70 Years
Guaranteed Maturity Value helps to plan future financial goals. Guaranteed Accrual
Additions to enhance your returns. Option to receive maturity in installments or in
lump-sum. Loan facility to deal with emergencies.

GUARANTEED INCOME PLAN

(Guaranteed Endowment Assurance Plan)

Entry Age : 3 Years To 50 Years Maturity Age : 18 Years To 65 Years

Guaranteed maturity benefit of 200% of each premium paid. Option to receive maturity
in installments or in Lump-sum. Facility to save for your loved ones as early as 3 years of
their age. Loan facility to deal with emergencies.

ALL THE ABOVE POLICY PLANS HAVE OPTIONS TO MAKE THE COVER MORE
COMPREHENSIVE BY ADDING VARIOUS RIDERS.
 WEALTH ULTIMA
( Unit Linked Non-Guaranteed Life Insurance Plan)
Entry Age : 1 Year To 70 Years
Unique combination of Systematic Monthly Plan, Systematic Transfer Plan, Systematic
Withdrawal Plan. Various Additions like 1. LOYALTY ADDITIONS 2. GUARANTEED
ADDITIONS 3. BOOSTER ADDITIONS in the policy provides better returns. Little Champ
Benefit incase of unfortunate demise of the policy holder the policy continues
(without premium) and the child receives the policy benefits as planned.
Policy Term ranges from 10 Years To 100 Years of age.
YOU CAN AVAIL INCOME TAX BENEFITS ON THE PREMIUM PAID AND ON THE BENEFITS
RECEIVED AS PER THE PREVAILING INCOME TAX LAW.

ZINDAGI PLUS
( A Non-Linked Non-Participating Term Insurance Plan)
5 REASONS TO CHOOSE THIS PLAN
1. Option of choosing Better Half Benefit to ensure enhanced financial security even in
the absence of main bread earner
2. Secure your family's financial future through life insurance cover
3. Option to Increase your sum assured at key life stages to take care of changing
responsibilities
4. Option to Increase your sum assured regularly to take care of increased cost of living,
5. Option of waiver of premium in case of one of the covered critical illnesses

RIDERS
CRITICAL ILLNESS RIDER
12 critical illnesses 100% of the rider sum assured on survival of 30 days following the
date of confirmed diagnosis. Provides you with Lump Sum to cater to your immediate
expenses in case your income earning capacity is hindered in the event of CRITICAL
ILLNESS.
HOSPITAL CASH BENEFIT RIDER
Up to 30% (for Non-Term Policy) of the Base Policy Premium. Minimum Rs.1,00,000/-
and Maximum 100% of Base Policy Sum Assured or Rs.6 Lakhs whichever is lower.
Provides for daily allowance as well as post hospitalization of the policy holder.
INCOME BENEFIT RIDER
Up to 30% (for Non-Term Policies) of the Base Policy Premium. Minimum Rs.75,000/-
Maximum Up to 100% of the Sum Assured on the Base Policy Plan.
Ensures your family with continuity of Regular Income even in your absence.
 PAYOR WAIVER BENEFIT RIDER
Up to 30% (for Non-Term Policy Premium) of the Base Policy Premium. Waives off Future
Premium in case of Death or Critical Illness or Total and Permanent Disability due to
accident of the proposer(“PAYOR” in case the Life Insured is child) so that the life assured
continues to get the benefit.
WAIVER OF PREMIUM RIDER
Up to 30% (for Non-Term Policies) Base Product Policy Premium. Minimum Rs.10,000/-
Maximum 100% of Base Sum Assured or Rs.50 Lakhs whichever is lower. Provides you
protection in case of Critical Illness or Total Permanent Disability due to accident.
TERM RIDER
Up to 30% (forNon-Term Policies) of the Base Policy Premium. Provides you with a Lump
Sum amount in addition to the Base Plan Cover to provide increased security to your
family. Minimum Rs.1,00,000/- Maximum 100% of Base Sum Assured or Rs.100 Lakhs
whichever is lower.
ACCIDENTAL TOTAL AND PERMANENT DISABILITY RIDER
Up to 30% (for Non-Term Policies) of Base Policy Premium. Minimum Rs.1,00,000/-
Maximum 100% of Base Sum Assured. Provides you with a Lump Sum to cater to your
immediate expenses in case your Income earning capacity is hindered due to an Accidental
Disability (Total & Permanent).
ACCIDENTAL DEATH BENEFIT RIDER
Up to 30% (for Non-Term Policies) of the Base Policy Premium. Minimum Rs.1,00,000/-
Maximum 100% of Base Sum Assured or Rs.100 Lakhs whichever is lower. Provides for
additional financial security in case any accident occurs. Also the benefit is payable in
Lump Sum.

Replacing Human LifeValue is the primary purpose of Life Insurance. No other Investment
or Contract or Property you buy will not do that what a Life Insurance Contract will do for you.

S.GANGAVANI 89405 35353

LICENSED PERSONAL FINANCIAL ADVISOR
E-mail : gangavani1975@gmail.com 82485 14953