A term plan that offers more than the sum assured.

For more details Call 1800 209 9090 www. aegonreligare.com

Insurance is the subject matter of the solicitation. IRDA Registration No.: 138 Registered Office: AEGON Religare Life Insurance Company Ltd., 2nd Floor, Paranjpe B Scheme, Subhash Road, Near Garware House, Vile Parle (E), Mumbai - 400057 ADVT No. II/September 2012/1485

V No. ii / September 2012

AEGON Religare Term Insurance Plan

Why buy this 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 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 of your loved ones - at a fraction of the cost.

help them repay loans. Additionally, the monthly payout of ` 1.5 lakhs over the next 5 years will help them maintain their current lifestyle.

In a nutshell AEGON Religare Term Insurance Plan provides the following benefits:
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AEGON Religare CI Rider (UIN: 138C001V01): 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 rider covers illnesses pertaining to women. On being diagnosed with any of the covered illnesses a certain percentage of the cover amount will be paid. 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.

Lets understand the plan with an example

Mr. Mahesh (age 30 years) is at a senior managerial position with a MNC. His work needs him to travel a lot. He is married and his wife is a homemaker who takes care of their kids - Amog, 4 years and Minal who is just born. Mahesh owns a plush house and a car. However, both of these are availed through a loan. Mahesh knows that life is uncertain. To ensure that in his absence his family continues to live the same lifestyle as they do now, he opts for AEGON Religares Term Insurance Plan. 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). Mr. Mahesh dies in an accident after 3 years
Benefit
Plan is purchased ` 1.5 lakhs paid every month for 5 years

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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 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 5 years, in order to maintain the same standard of living.

About AEGON Religare Life Insurance Company

AEGON, one of the worlds largest life insurance and pension groups, Religare, one of Indias leading integrated financial services groups and Bennett, Coleman & Company, Indias largest media house, have come together to launch AEGON Religare Life Insurance Company Limited. In August 2008, we awakened India to the dangers of under-insurance or Kum Insurance Lene Ki Bimari (K.I.L.B.). In keeping with that, we have stressed on protection and long term savings being core part of insurance and have launched many products to meet these needs. Our endeavour is to continue this journey to eradicate K.I.L.B. and ensure that the financial goals of all Indians are secured. We have provided protection to over 2,50,000 people and their families amounting to over `27,000 crores and this is just the beginning. AEGON Religare functions with a capital of over `1135 crores, covers over 70 cities - 80 branches and nearly 2000 employees. You will receive a verification call from the company upon application. In case you do not receive it, call on our toll free no. 1800 209 9090, immediately. Please double check all personal and product details at this stage. Product Name: AEGON Religare Term Insurance Plan UIN: 138N039V01 For more details on terms and conditions, please read the sales brochure carefully before concluding a sale.

Eligibility
Entry Age
#

Minimum

20 years completed; 30 years last birthday for a 10 year Policy Term 75 years last birthday ` 10,00,000 ` 2,390 p.a. 10 / 15 / 20 / 25 / 30 / 35 / 40 years and 75 years minus age at entry Equal to Policy Term Annual, Half Yearly & Monthly

Maximum 65 years last birthday Maximum Maturity Age Minimum Sum Assured Minimum Premium Policy Term Premium Payment Term

Feature
Payout can be used as income benefit to maintain lifestyle

Corpus to take care of immediate requirements & security for future needs

Premium Payment Mode*

Mr. Mahesh dies in an accident. `75 lakhs paid as Lump sum

#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.
` 90
lakhs

` 75

lakhs

Year 1

Year 3

Year 4 to Year 8

* 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.

Total Payout = 330% of cover amount (Base Sum Assured)= ` 1.65 crores (` 25 lakhs i.e. 50% of cover amount + ` 50 lakhs i.e. 100% of accidental death benefit) + ` 1.5 lakhs (3% of Sum Assured) every month for the next 5 years.

Riders
You can make your plan more comprehensive by choosing any of the following suitable riders:

The lump sum payout of ` 75 lakhs received by Maheshs family will