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Do you face these objections from clients?

Do you face these objections from clients?. Why only 20-30% of my 1st year premium is invested ??. Is there any Guarantee ???. It’s my money, why should I pay Surrender Charge ?. Too complex to fill the proposal form. PRESENTING. Future Guarantee Advantage. Guaranteed Maturity Additions

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Do you face these objections from clients?

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  1. Do you face these objections from clients? Why only 20-30% of my 1st year premium is invested ?? Is there any Guarantee ??? It’s my money, why should I pay Surrender Charge ? Too complex to fill the proposal form

  2. PRESENTING

  3. Future Guarantee Advantage Guaranteed Maturity Additions upto 165% of 1st Year Premium for Term 20 years Utilizes 78% your 1st year premium towards Guaranteed Maturity Additions ‘Zero’ Surrender Charge after 5 years 1 Page application form for ‘Simple’ Joining Process

  4. How Does Guarantee Advantage Work? 60% for 10 Yr Term M A T U R I T Y 1st Year Premium 78% used to provide Guaranteed Addition at Maturity 110% for 15 Yr Term 165% for 20 Yr Term 22% allocated to Fund Money Grows Second Year Premium Onwards Allocated to fund post deducting allocation charges More Contribution Through Top Ups Savings & Protection ENHANCED DEATH BENEFIT Natural Death: Sum Assured + Fund Value + Guaranteed Addition (if death happens after 8 years) Accidental Death: 3 times Sum Assured + Fund Value + Guaranteed Addition (if death happens after 8 years)

  5. Features : Age & Term

  6. What can you expect out of your 1st premium

  7. How much returns our funds have provided Returns calculated on Dec 31, 2009

  8. Sum Assured Multiples • Major Students (18 – 25 yrs): Insurance cover upto Rs. 5 lakhs can be granted without insisting on parents insurance cover • Self-employed female life unable to provide income proof / Housewife: Insurance cover up to Rs. 5 lakhs can be granted without insisting on husbands’ insurance

  9. Premium Allocation Guaranteed Addition at maturity will be available at the date of maturity along with Fund Value Guaranteed Addition available if 1st 5 premiums are paid and policy continues till 10th, 15th, or 20th year. Premium taken as 10,000 for illustration purpose only

  10. Maturity Benefit Fund Value as on the date of Maturity plus the guaranteed maturity additions Under Settlement Option, the maturity benefit may be taken in lump sum or installments spread over a period of up to five years from the date of maturity

  11. Risk Commencement Date The Date of Commencement of Risk would be the date of issue of first premium receipt If life assured is a minor under age at issue below 10 years, risk under the policy will commence from the later of • The policy anniversary falling after life assured attains 10 years of age, or • 2 policy years after commencement of the policy No accidental benefit is payable if the life assured is a minor at the time of death under the policy

  12. Death Benefit Natural Death: Sum Assured + Fund Value Accidental Death: 3 Times Sum Assured + Fund Value In case of death after 8 years from the date of commencement and premiums have been paid for atleast 5 full years, ‘Guaranteed Loyalty Additions’ will also be payable

  13. Full Withdrawal / Surrender

  14. Partial Withdrawal • Partial withdrawals can be made after 3 full policy yrs provided life assured / proposer is alive • 1 partial withdrawal is allowed per policy year free of charge provided after the withdrawal, Fund Value is greater than at least one year’s annualized premium. • Maximum amount that can be withdrawn is 10% of Fund Value • Partial withdrawal not allowed in last 5 policy years

  15. Revival • The policy may be revived for full benefits within 2 years from the date of the 1st unpaid premium and before the date of maturity while the life assured is still alive • The reinstatement will be effected on the company’s discretion and subject to such conditions as the company in its discretion may decide. • A lapsed policy shall continue to participate in the investment returns for the existing Fund Value. However, on revival, the investment return will be applicable on prorate basis for the month in which premiums are received.

  16. Charges Fund Management Charges (calculated on daily basis from the fund value before calculation of the NAV) FMC are deducted on a daily basis at 1/365th of the annual charge in determining the unit price Policy Administration Charge: 1st year: Rs 480 per annum 2nd year onwards: Rs 720 per annum

  17. Charges All the above charges will be subject to a service tax etc @ 12.36%

  18. Reasons to Invest in Guarantee Advantage • Guaranteed Addition upto 165% of your 1st year premium at maturity • 3 times sum assured + Fund Value + Guaranteed Loyalty Additions • Assured benefits to enhance your fund value • Low charges • Maximum protection for your loved ones • Excitement of investment with protection of insurance • Simplified non-medical plan • Tax Benefits U/S 80C & 10(10D)

  19. Hassle Free Issuance Simplified Application Form • Fill in the Application Form • Submit the following documents : • Age Proof • Address Proof • Identity Proof • Pay by Demand Draft in favour of “Future Generali India Life Insurance Co. Ltd.” / “FGI Life Insurance” payable at Chennai • Take Away the Policy

  20. 3 in 1 OFFER GUARANTEED LOYALTY ADDITION HASSLE FREE SIMPLIFIED PLAN PERSONAL ACCIDENT COVER ASSURANCE to your SECURED FUTURE

  21. Your Assured Future with Future Guarantee Advantage

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