so, singarayakonda

LC's
MOST POPULAR
Endowment Plan
now in ULP
Endowment +
PIan No.802
with effect from 20-09-2010
so, singarayakonda
:nit Iinked Endowment pIan with
SingIe & Reg:Iar premi:m paying term.
Offers investment-c:m-ins:rance d:ring
the term of the poIicy
Can choose the IeveI of cover depending
on amo:nt of premi:m he desires to pay.
Can avaI! PartIa! WIthdrawa!s aftcr 5 Yrs
Can AvaI! Lnan aftcr 3 Ycars
Can 5urrcndcr fnr cash aftcr 5 Yrs
Can avaI! 5ctt!cmcnt OptInn
so, singarayakonda
SpeciaI feat:res of this PIan -
Lower f:nd management charges
CrItIca! I!!ncss RIdcr
Loan
Has the facility of
Spread over Mat:rity
PartiaI withdrawaI
Conversion into monetary amo:nt
so, singarayakonda
On Mat:rity
amo:nt eq:aI to F:nd VaI:e
On death
If PoIicy is in force -
S or F:nd VaI:e whichever is higher
PI:s
S if opted
Benefits
so, singarayakonda
F:nd Type Govt/ Govt
Sec:rities
Etc.
money market
instr:ments
Investment in
Listed Eq:ity
Shares
objective of
the f:nd for
risk / ret:rn
ond
Not < 60% Not > 40% NiI
Low risk
Sec:red
Not < 45% Not > 40%
Not < 15 %
& Not > 65%
Lower-Medi:m
Steady Income
aIance
Not < 30% Not > 40%
Not < 30 %
& Not > 70%
Med. risk
aI. Income &
growth -
Growth Not < 20% Not > 40%
Not < 40%
& Not > 80%
High risk -
Long term
Cap. growth
F:nd Types avaiIabIe:
so, singarayakonda
Spread over Mat:rity
Encash the :nits in HIy /YIy reg:Iar instaIments
spread over 5 years from the date of mat:rity.
D:ring this period F:nd Mgt. Charge wiII be
ded:cted.
The vaI:e of instaIIment payabIe on the date
specified shaII be s:bject to investment risk.
No Iife cover d:ring spread over mat:rity
SettIement Option not aIIowed :nder Iapsed poIicy.
SettIement Options
so, singarayakonda
1. Premi:m IIocation Charge
2. MortaIity Charge
3. ccident enefit Charge @ Rs.050
4. CriticaI IIIness enefit Charge
3. Other Charges :
POLICY DMINISTRTION CHRGE
FUND MNGEMENT CHRGE
SERVICE T CHRGE 10.3%
,7es
so, singarayakonda
!7emium Alloc,tion ,7e :
1
st
Year 2
nd
& 5
th
Year thereafter
7.50% 5.00% 3.00%
so, singarayakonda
ge Prem ge Prem
7 0.50 40 2.57
12 0.66 45 3.89
18 1.15 50 6.56
25 1.42 55 10.76
30 1.46 60 1634
35 1.73 65 27.02

Life cove7 c,7e fo7 1000 SA p.,.
Mo7t,lity ,7e
so, singarayakonda
ge Prem ge Prem
18 0.72 40 3.26
20 0.72 45 5.31
25 0.91 50 9.05
30 1.16 55 14.44
35 1.80 59 20.51

!e7 1000 SA p.,.

7itic,l Illness ,7e
so, singarayakonda
FUND MNGEMENT CHRGE
0.50 % p.a. of Unit F:nd for "ond"
0.60 % p.a. of Unit F:nd for "Sec:red"
0.70 % p.a. of Unit F:nd for "aIanced"
0.80 % p.a. of Unit F:nd for "Growth"
SWITCHING CHRGES
4 switches wiII be aIIowed free of charge
S:bseq:ent switches shaII be charged @ Rs.100 per switch
POLICY DMINISTRTION CHRGE
Rs. 30/- per month d:ring the first poIicy year and
escaIating @3% every year thereafter
Charges:
so, singarayakonda
ELIGIILITY CONDITIONS ND FETURES - asic PIan
SUM SSURED
Minim:m :
- (PoI. Term +1) times the ann. Prem
- 1.25 times of SingIe Prem :pto age 45 & 1.10 times thereafter
Maxim:m :
- 30 times of nn. Prem if age at entry is < 45 Yrs
- 25 times of ann Prem. if age at entry is > 45 & < 60 yrs
S:m ss:red shaII be avaiIabIe in m:ItipIes
of Rs. 5000
so, singarayakonda
ELIGIILITY CONDITIONS ND FETURES-asic PIan
MODE : YLY/HLY/QLY/ECS & SingIe
Min. Prem. : Rs.20000 p.a./1750 for ECS
: Rs.30000 for SingIe Prem
Max. Prem. : 100000 p.a. for Reg:Iar Prems
: No Limit for SingIe Prem
Min. & Max. Entry ge: 7 yrs & 60 yrs
PoIicy Term : 10 to 20 years
Min. & Max. Mat. ge : 18 yrs comp. & 70 yrs n.b.d
so, singarayakonda
so, singarayakonda
PoIicy can be
S:rrendered after compIetion of 5 PoIicy Yrs
F:nd VaI:e shaII be payabIe
S:rrender charge - NIL
Once a poIicy is s:rrendered
it cannot be reinstated.
Su77ende7
so, singarayakonda
The S:r. VaI:e if any is payabIe onIy after the
compIetion of fifth poIicy anniversary .
The S.V. wiII be the F:nd VaI:e of :nits heId at the
date of s:rrender.
If a poIicyhoIder appIies for s:rrender within 5 years
from the D.O.C. then the f:nd vaI:e of :nits shaII be
converted into monetary terms.
No charges shaII be made thereafter and this
monetary amo:nt shaII be paid on compIetion of 5
years from the D.O.C.
S:rrender
so, singarayakonda
Switching to other types aIIowed -
4 switches in a year free.
S:bseq:ent switches on charging of Rs.100/-
PartiaI withdrawaIs aIIowed after 5 yrs. in the form
of fixed amt. or in the form of fixed No. of :nits.
For 2 years' period from the date of withdrawaI the
S. . red:ced to the extent of partiaI withdrawaIs
dditionaI Feat:res
so, singarayakonda
$$ PAYABLE AGE%$
Reg:Iar Prem PoIicies:
1st Year - 6.5%
2
nd
& Thereafter - 2%
on:s Commn.- 40% on the F.Y.C.
SingIe Prem - 2%
evelopment fficer's credit:
Reg:Iar premi:m - 20% of FY premi:m.
SingIe Premi:m - 5%
enefits to FieId Force:
so, singarayakonda
IT`S A LIFE INSURANE !LI IT`S A LIFE INSURANE !LI
IT`S A UNIT LINKED !LAN IT`S A UNIT LINKED !LAN
IT`S AN AIDENT INSURANE 'ER IT`S AN AIDENT INSURANE 'ER
IT`S HA'ING HEALTH 'ER IT`S HA'ING HEALTH 'ER
IT`S A TAX SA'ER IT`S A TAX SA'ER
IT`S FLEXIBLE IT`S FLEXIBLE
IT HAS N SURRENDER HARGE ,fte7 5 7s IT HAS N SURRENDER HARGE ,fte7 5 7s
Review
so, singarayakonda
Low Administrative Costs Low Administrative Costs
Low Fund Management Charges Low Fund Management Charges
Partial Withdrawals allowed Partial Withdrawals allowed
Option to continue risk even after Revival Period Option to continue risk even after Revival Period
Facility of Assignment Facility of Assignment
Min Premium Rs.5/ Min Premium Rs.5/- - only only
Maximum Maximum -- Ao limit Ao limit
Spread over Maturity Spread over Maturity
Att7,ctive fe,tu7es:
so, singarayakonda