Life without compromises!! Lets plan a holiday!!

1. Life without compromises!! Lets plan a holiday!!

2. Is it true for financial decisions?? Where will I get all this without compromise???? Safety of investments Guaranteed Returns Higher Protection Great Flexibility What to do?

3. Historically people have invested in… However majority with a compromise!! No flexibility ! No protection!

4. Complete Financial Solution without compromise !! Life Insurance Safety of investments Guaranteed Returns Higher Protection Great Flexibility

5. Life Gain Plus A Traditional, participating plan…offering… Safety of investments Guaranteed Returns Higher Protection Great Flexibility …So that you can enjoy a long holiday called…Life!

6. A Perfect Solution for Life’s Holiday!! Safety of investments • Investment Pattern as regulated by IRDA Guaranteed Returns • Guaranteed addition at maturity …110% of SA on maturity Higher Protection • Double Death Benefit - After 5 years – Double SA + Bonuses., Within 5 years – SA + Bonuses • Riders for enhanced protection Great Flexibility • To choose tenor and • Option to pay premiums in Limited payment period and, • To switch between different bonus options

7. Safety of Investment - Investment strategy for traditional products In line with IRDA Investment guidelines for traditional products!

8. Premium payment tenor – 15 years First premium Guaranteed Returns – Maturity Benefit Guaranteed Maturity 110%of Sum Assured SA with accrued bonus at the end of 25th Year + Guaranteed Addition – 10% of SA Issue of policy – Year 0 Maturity of policy – Year 25 • Premiums Paid: • Rs 300,000 • Maturity values: • Guaranteed MB - • Rs. 4,41,943 • Non Guaranteed @ 6% - • Rs. 6,27,656 • Non Guaranteed @ 10% - Rs.10,76,410 Sum Assured Rs. 4,01,766 Male age 30, Premium 20,000, PPT 15 yrs and Term 25 yrs

9. Higher Protection – On Death…. Double SA with accrued bonuses on Death after 5 years of policy in force • Guaranteed • Rs. 8,03,532 • Non Guaranteed • @ 6% - Rs. 8,33,818 • @ 10% - Rs.8,88,152 Death at 10 years Death within 5 years Sum Assured Rs. 8,03,532 Issue of policy – Year 0 Maturity of policy – Year 25 SA + accrued bonuses Death after 5 years – DoubleSA+ accrued bonuses Sum Assured Rs. 4,01,766 Male age 30, Premium 20,000, PPT 15 yrs and Term 25 yrs

10. Higher Protection – On Death & Sickness Rider Options: • PAB • Term Rider • DD Rider • WOP Rider • Term R&C Rider Inbuilt Protection: • Terminal Illness coverage- up to 50% of SA paid upfront on diagnosis of a terminal illness.

11. Higher Flexibility • Option to Choose Policy Term basis your life stage milestone: • 20 Years or • 25 Years • Pay while your earning are higher - Limited Premium Payment option • 10 Years PPT for 20 Year Term • 10/15 Years PPT for 25 Year Term • To switch between different bonus options • Cash • Premium Offset • Paid up addition(PUA)

12. Flexibility - Bonuses Provide a Wide Array of Choice… • Cash: take the amount of bonus declared as cash • Premium Offset : the bonus amount can be used to adjust against future premiums payable • Paid Up Additions: • The bonus amount can be used to purchase PUA • Whereby the Sum Assured will increase the insurance cover every year and add to base coverage • PUA’s are participating in nature and generate further bonuses • Can Be separately surrendered if customer wants to access the cash value of these PUA’s SPECIAL Customers have the flexibility to switch between bonus options

13. Life Gain Plus – Bonus declared in 2010

14. Life Gain Plus - Plan Details For details refer to product brochure..

15. Tax deduction u/s 80C- On premium paid up to a maximum limit of Rs 1 Lac u/s 10(10D)- Tax Free proceeds (maturity& survival benefits) Tax Benefit

16. Client – Prospect talk points Hope you have started planning for your future savings? Diversify your investments: Enjoy the guarantee return available with LGP Your son/daughter is growing up. Wouldn’t you want to create some financial assets for their future needs? Daily consumption items are becoming expensive…we suggest you build a financial buffer to meet unforeseen circumstances.

17. A Quick Re – Cap for Life’s Holiday!! Safety of investments • Investment Pattern as regulated by IRDA Guaranteed Returns • Guaranteed addition at maturity …110% of SA on maturity Higher Protection • Double Death Benefit - After 5 years – Double SA + Bonuses., Within 5 years – SA + Bonuses • Riders for enhanced protection Great Flexibility • To choose tenor and • Option to pay premiums in Limited payment period and, • To switch between different bonus options

18. Life Gain Plus- Suitable for a Lifetime A young couple 25 to 40 years of age Easy, Happy & Tension free Old Age People Over 40

19. LGP - For the age group of 25 -40 • Long term coverage and a plan that gives compounded bonus • Supplements the investments you currently have, provides additional tax • benefits • Money on maturity can be used for various purposes: • Payment towards a housing loan • Further education of children • Marriage • Holiday You pay Rs 2.5 lacs in 10 yrs and you get back Rs10.32 lacs in 20 yrs AGE: 33 S.A Rs.3,57,450 Annual Premium: Rs.25,000 Policy term=20 yrs and PPT=10 yrs Bonus Option: PUA Mr Kamal and Family Salaried: Marketing Manager • On a conservative note at 10%,By age 53, the total cash value of the fund is Rs10,32,789./- • Cash value of the bonus can supplement Money backs to meet bigger money needs. • In case of demise spouse can utilize money as capital annuity /pension • As and when required the cash option for bonus can be exercised.

20. LGP- For the age group of 41-55 • Long term coverage and a plan that gives compounded bonus • Supplements the investments you currently have, provides additional tax • benefits • Money on maturity can be used for various purposes • RETIREMENT You pay Rs 3.5 lacs in 10 yrs and you get back Rs. 9.67 lacs in 20 yrs AGE: 43 S.A Rs.3,97,906 Annual Premium: Rs. 35,000 Policy term=20 yrs and PPT=10 yrs Bonus Option: PUA Mr Anil College Professor • On a conservative note at 10%,By age 63, the total cash value of the fund is Rs.9,67,863 /- • Cash value of the bonus can supplement Money backs to meet bigger money needs. • In case of demise spouse can utilize money as capital annuity /pension • As and when required the cash option for bonus can be exercised.

21. THANK YOU