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“I want to become a Doctor ”

They Think high. “I want to become a Scientist ”. “I want to become a Doctor ”. “I want to become a Pilot ”. “I want to become an Astronaut ”. They Aim high. They Dream high. Are you prepared to make their dreams come TRUE ?. Some HARD FACTS….

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“I want to become a Doctor ”

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  1. They Think high “I want to become a Scientist” “I want to become a Doctor” “I want to become a Pilot” “I want to become an Astronaut” They Aim high They Dream high

  2. Are you prepared to make their dreams come TRUE ?

  3. Some HARD FACTS… * Assuming rate of Inflation at 6% p.a.

  4. Have you saved enough to give your child a Bright Future? What happens to their dreams if anything unfortunate happens to you?

  5. Tata AIG Life InvestAssure Superstar Helping you Secure your child’s future and Make their DREAMS come true UIN: 110L071V01 Presenting…

  6. Reaching for the Stars Single policy, double benefits. The benefits of policy continue even after the death/total permanent disability of the Insured.* Guaranteed Maturity bonus to help you increase funds in the kitty.** SMART way of investment to help you capitalize the risk in a Volatile Market Get more security by opting for additional Risk cover * WoP triggered upon death or Total Permanent disability of the Insured parent. ** Subject to all premium paid & WoP benefit not being triggered anytime during the premium paying term

  7. CEO PILOT DOCTOR Meet Mr. Mehta and his 10 year old child Ayush who studies in class 4. Mr. Mehta wants the best when it comes to Ayush’s future. He has certain expectations from him..

  8. What would it take Mr.Mehta to give his son the best? Rs.18,00,000 Rs.15,00,000 A Whopping Rs.37,20,000 Rs.2,40,000 Rs.1,80,000 SCHOOLING* HIGHER SECONDARY* PROFESSIONAL COURSE* MISCELLANEOUS** * Cost of education mentioned is on approximation basis ** Includes daily living expenses like food, clothes, transport etc

  9. SCHOOLING Rs.1,80,000 HIGHER SECONDARY Rs.2,40,000 PROFESSIONAL COURSE Rs.18,00,000 MISCELLANEOUS EXPENSES Rs.15,00,000 But what happens to the dream if…. Something unfortunate was to happen to Mr. Mehta? What would you do if you had to handle such a situation?

  10. Professional Course Higher Secondary Schooling Death/Disability Sum Assured paid to Nominee & policy terminates Lets see how a normal insurance plan will help… Purchasing policy Recurring expenses What about the future expenses? We have already seen what INFLATION can do to current expenses

  11. Death Benefit Sum Assured that will take care of your Current needs Maturity Benefit Fund Value that will take care of your Future needs Tata AIG Life InvestAssure Superstar is a unique plan that gives you best of both the worlds

  12. 1 MATURITY Get the best of both the worlds… Disability Benefit Death Benefit In case of Total Permanent Disability Sum Assured* paid to the nominee Future Premiums are Waived off & benefits continues till end of policy term*$ In-Built Waiver of premium benefit activated and future premiums waived off ** Note: Change in Sum Assured is not allowed during disability benefit period * Benefit paid till such time the insured remains disabled. $ All charges except waiver of Premium charge will be deducted as due * Sum Assured will not reduce due to Partial Withdrawal * *All charges except Mortality charge & waiver of Premium charge will be deducted as due

  13. Option to choose the WoP benefit Family Advantage Family Guard OR Family Guard*: 100% of Future premiums paid in to policy, as if the policy is on Monthly mode, up to premium paying term. Family Advantage*: 50% of future premiums paid in to policy as if the policy is on Monthly mode and 50% to the nominee up to premium paying term, as if the Policy is on Monthly mode * WoP benefit to be chosen at the inception fo the policy

  14. Understanding Family Guard option 1 1 2 2 3 3 3 4 4 5 5 6 7 8 9 10 10 Rs.2,000 paid in to the policy every month till the end of the premium payment term Policy Term of 10 years Premium payment term of 5 years (Regular Annual Premium of Rs.24,000) Death of Insured Maturity benefit paid to the nominee upon maturity

  15. Understanding Family Advantage option 1 1 2 2 3 3 3 4 4 5 5 6 7 8 9 10 10 Rs.1,000 paid in to the policy every month till the end of the premium payment term Rs.1,000 paid to the Nominee every month till the end of the premium payment term Policy Term of 10 years Premium payment term of 5 years (Regular Annual Premium of Rs.24,000) Death of Insured Maturity benefit paid to the nominee upon maturity

  16. 2 Adding more to your kitty Guaranteed Maturity Bonus* 2% of Regular Fund Value for policy term of up to 10 years 4% of Regular Fund Value for policy term greater than 10 years * Subject to all premium being paid and WoP not being triggered throughout the premium payment term.

  17. 3 Systematic Money Allocation Regular Transfer*# & Be a SMART Investor Afraid of Market Volatility * Manual fund switching option for the target and accumulation fund would not be available during the period when the SMART option is active. Fund switches on other available funds will be allowed, subject to relevant charges. Super 110% Capital Guarantee fund can not be chosen under SMART option. SMART is not available when policy is in premium discontinuance mode or when the policy is in ”Investment only” status. # Investments are subject to market risks.

  18. 4 Tata AIG Life Accidental Death & Dismemberment Benefit (Long Scale)* Tata AIG Life Accidental Death Benefit* Tata AIG Life Critical Illness Lumpsum Benefit Rider Additional Risk cover, Additional Security Additional Risk Cover (Optional) *ADB & ADDB cannot be taken together Tata AIG life Critical Illness (Lumpsum) Benefit Rider – UIN:UIN:110C012V01) Tata AIG Life Accidental Death Benefit (ADB) Rider (UIN:110C003V01) Tata AIG Life Accidental Death & Dismemberment Rider (Long Scale) (ADDL) Rider (UIN: 110C004V01)

  19. 8 Fund Options Top – 50 Fund Top – 200 Fund Aggressive Flexi Fund Stable Flexi Fund Bond Fund Large Cap Equity Fund Super 110% Capital Guarantee Fund Super Select Equity Fund

  20. Super 110% Capital Guarantee Fund – Get More Higher of Fund Value of the Super 110% Capital Guarantee Fund 110% of Total Premiums paid in to the Super 110% Capital Guarantee Fund *# PLUS Guaranteed Maturity Bonus** Asset Allocation Govt/ Corporate Bonds – Up to 100% Money Market Instruments – Up to 100% Equities – Up to 15% * Subject to premium remaining within the Super 110% Capital Guarantee Fund throughout the policy term and provided all premiums have been paid under the policy. # Available with premium paying term greater than or equal to 20 years * *Subject to all premium being paid and WoP not being triggered throughout the premium payment term.

  21. Systematic market investments have historically been beneficial. SMART*- Systematic Money Allocation and Regular Transfer Investment Option - Helps you harness the power of rupee cost averaging After death of the insured, nominee or appointee (in case nominee is minor) can request for SMART SMART option is available only for policies with the Annual Mode of payment A great Investment Strategy = Can help create a large corpus to fulfill your Child’s dreams! Low Risk Fund** High Risk Fund** * Manual fund switching option for the target and accumulation fund would not be available during the period when the SMART option is active. Fund switches on other available funds will be allowed, subject to relevant charges. ** Customer can also choose to switch from high risk to low risk funds Investments are subject to market risks.

  22. How does systematic Investments work? Timing Approach Time Approach

  23. How are the units switched using SMART? Units will be switched at the beginning of every month in the following way: Month 1 1/12th of Units Month 2 1/11th of Units Month 3 1/10th of Units Month 4 1/9th of Units Month 5 1/8th of Units Month 6 1/7th of Units Month 7 1/6th of Units Month 8 1/5th of Units Accumulation Fund Target Fund Month 9 1/4th of Units Month 10 1/3rd of Units Month 11 ½ of Units Month 12 Balance Units

  24. Investment Flexibilities Redirection • Allowed for future Premium(s), provided percentage chosen in all the funds together sums up to 100%. • Redirection in Super 110% Capital Guarantee Fund not allowed. • Premium Re-direction cannot be exercised after the death of the policyholder. • Premium Re-direction is not available if SMART option has been chosen. Switching • 24 Free switches (includes 12 switches under SMART option) allowed in a policy year. Subsequent switches will be charged at Rs.100 per switch. • Switching out of Super 110% Capital Guarantee Fund* is allowed, however Switching in is not. • Fund Switching cannot be exercised after the death of the policyholder. • Manual fund Switching is not allowed under SMART Option * Switching out will reduced the guarantee amount proportionately.

  25. Investment Flexibilities Top Up • Minimum Top Up premium Rs.5,000. • Allowed maximum 4 times a year. • Top-Up is NOT allowed in Super 110% Capital Guarantee Fund. • Top Ups CANNOT be made after the death of the Insured. • Top-Up Premiums can be accepted during disability benefit period. However the total amount of top-up premium will be restricted to 25% of the total amount of regular premiums paid till that date.

  26. Investment Flexibilities Partial Withdrawal • Allowed from the Regular Premium Account from the 5th year & from the Top-Up account from the 4th year. • Partial Withdrawal can be made up to a maximum of 4 times a year. • Minimum amount Rs.5,000 (subject to minimum balance in the Total Fund value (Regular Fund + Top Up Fund) is such that the Surrender value does not falls below an amount equivalent to one years Annual Premium) • Any withdrawal from Super 110% Capital Guarantee Fund, will reduce the guaranteed amount proportionately. • Policyholder can make partial withdrawals during disability benefit period subject to partial withdrawal rules. • Partial withdrawal is NOT allowed after death of the insured.

  27. Investment Flexibilities Premium Discontinuance before 3 years • Policy will lapse and the insurance cover under the policy will cease. • The Total Fund Value ceases to be invested at the end of grace period and will be kept aside by the Company. • The policy can be revived anytime during the revival period of 2 years*. • If not revived during this period, the policy will be terminated & the total Fund value net of applicable surrender charges, if any shall be paid at the end of 3rd year or at the end of revival period whichever is later. • During this period all applicable charges (except mortality charge, waiver of premium charge and fund management charge) will get deducted from the fund * Subject to satisfying revival conditions

  28. Investment Flexibilities Premium Discontinuance after 3 years • If a customer is unable to pay the premium after paying 3 consecutive premiums, the policy will be maintained inforce for 2 years. • This period can be continued subject to written request from policyholder and approval from Tata AIG Life. • During this period, all the applicable charges (except mortality charge, waiver of premium charge and fund management charge) will be deducted from the Fund until the earlier of: • The Surrender Value falls below an amount equivalent to one Annual Regular Premium, or • Unless we receive a written request from the policyholder to extend the discontinuance period. • The Policy will be terminated upon occurrence of condition 1 or 2 and Total Fund Value subject to deduction of surrender charge, will be paid. * Subject to satisfying revival conditions

  29. In-Built Waiver of premium benefit is activated and future premiums waived off, based on the Waiver of Premium option chosen . Sum assured is paid to the nominee. The benefits of the policy will continue till the end of the policy term Any optional rider cover will terminate immediately. In case of Total Permanent Disability, the In-Built Waiver of premium benefit is activated and future premiums waived off, based on the Waiver of Premium option chosen. If the policy holder survives till the end of the policy term, he/she will get the fund value. Any riders if opted for, will terminate immediately. However, the riders can be reinstated, provided the WoP benefit is stopped (i.e. the policyholder is no longer disabled). Benefits Death Benefit*# Disability Benefit*# * Sum Assured will not reduce due to Partial Withdrawal # All charges except Mortality charge & waiver of Premium charge will be deducted as due * Benefit paid till such time the insured remains disabled up to premium paying term. # All charges except waiver of Premium charge will be deducted as due – under disability Benefit Family Guard: 100% of Future premiums paid in to policy, as if the policy is on Monthly mode, up to premium paying term. OR Family Advantage: 50% of future premiums paid in to policy as if the policy is on Monthly mode and 50% to the nominee up to premium paying term, as if the Policy is on Monthly mode

  30. Benefit Maturity Benefit • Option to receive Maturity benefit either in Lumpsum or in form of periodical payments over a certain period of time (Settlement Period)*. • Frequency of the payments shall be chosen by the policy holder at the time of exercising the option. • No life cover will be provided during the Settlement period. In event of death, the total Fund Value will be paid to the Nominee. • Capital Guarantee will not apply on the Super 110% Capital Guarantee Fund during settlement period Regular Premium Account Value + Top-Up Account Value + Guaranteed Maturity Bonus* INCASE OF SUPER 100% CAPITAL GUARANTEE FUND HIGHER OF (a) Value of Super 110% Capital Guarantee Fund or (b)110% of Total premium received towards Super 110% Capital Guarantee Fund** PLUS Guaranteed Maturity Bonus * Not exceeding 5 years from the date of maturity * Subject to all premiums paid and WoP benefit not being triggered anytime during the premium paying term ** provided premium remains within the Super 110% Capital Guarantee Fund throughout the Policy term

  31. Surrender within 3 years Upon surrender total fund value net of surrender charges (surrender value) will be frozen as on date of surrender. Surrender Value will be paid at the end of three policy years. In case of Super 110% Capital Guarantee Fund, guarantee will not be applicable on surrender. Surrender after 3 years Surrender Value is Regular Premium Account Value less applicable Surrender Charges, if any Plus Top-Up Account Value (There is no surrender charge for Top up Account) The entire policy terminates upon full withdrawal. In case of Super 110% Capital Guarantee Fund, guarantee will not be applicable on surrender. Benefit Surrender

  32. Charges Surrender Charge Fund Management Charge (p.a.)* Charge towards Guarantee for Super 110% Capital Guarantee Fund • All Fund Management Charges are subject to revision by Company with prior approval of IRDA but shall not exceed 1.35% per annum of the Fund value . • $Super 110% Capital Guarantee Fund is available only for the policies with premium paying term greater than or equal to 20 years & for issue age less than or equal to 45 years at issue & for a sum assured less than or equal to 20 times of Annualized premium 1.05% p.a. of the Super 110% Capital Guarantee Fund Value. This charge for Super 110% Capital Guarantee Fund will be deducted by cancelling Units at the Unit Price, from the Regular Premium Fund Value of Super 110% Capital Guarantee Fund. This will be deducted on monthly basis, at the rate of 1/12 of the above mentioned annual rate.

  33. Charges Policy Administration Charge (Monthly)* * May be increased up to maximum of 5% p.a. Mortality / WoP Charge • Mortality/COI charges for Death Benefit will be deducted monthly in advance from fund and will be based on 100% of Indian Assured Lives Mortality (1994-96) (Modified) Ultimate • Morbidity/COI charges for WOP will be deducted monthly in advance from fund and will be based on 100% of Indian Assured Lives Mortality (1994-96) (Modified) Ultimate and 150% of CIBT 93 (TPD) benefit. Fund Switching Charge Top-Up Charge Rs.100 per switch after utilizing 24 free switches (includes 12 switches under SMART option) per policy year.* 1.5% of Single Top-Up premium * This may be revised up to a maximum of Rs.250

  34. Charges Premium Allocation Charge * 48,000 for Premium paying term 5 years

  35. Underwriting Guidelines • This is a fully underwritten product with medicals including random and financials applicable. • Documentation required as per Anti Money Laundering Guidelines applicable.

  36. Product Snapshot * Any additional cover opted for will terminate immediately, once the in-built Waiver of Premium benefit is activated

  37. Feature, How it works and Benefits

  38. Feature, How it works and Benefits *subject to all premiums being paid and the WoP benefit not being triggered throughout the premium payment term)

  39. I want all hisdreams to come true Tata AIG Life InvestAssure Superstar A Super Plan to help your kid, reach for the Stars I want him toget the best in life I want him tobe Successful

  40. Identification of prospects • Lets identify prospects for this plan. • Make a list with their names and phone numbers. • Which benefits will you use to pitch the plan to them?

  41. Disclaimers • Please read the product brochure for detailed terms and conditions before concluding a sale. • This material belongs to Tata AIG Life Insurance Company Ltd. Any unauthorized use, reprint or circulation is prohibited. • Tax benefits are as per the Income tax Act, 1961 and are subject to modifications made thereto from time to time • Tata AIG Life Insurance Company Ltd. (Reg. No. 110), Peninsula Towers, 6th floor, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013 • Insurance is the subject matter of the solicitation • Riders are not mandatory and are available for a nominal extra cost • Service tax is applicable as per governing laws and the same shall be borne by the policyholder. Tata AIG Life Insurance Company Limited reserves the right to recover from the Policyholder, any levies and duties (including service tax), as imposed by the government from time to time. • Kindly refer to the Sales Illustration for the exact premium rates. • Section 45 of the Insurance Act 1938- No policy of life insurance effected before commencement of this Act shall after expiry of two years from the date of commencement of the Insurance Act and no policy of life insurance after coming into force of the Act, shall after expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal (application) for insurance and any report of a medical officer or referee, or friend of the life insured, or in any document leading to the issue of the policy , was in accurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts, which it was material to disclose and that it was fraudulently made by the policyholder and the policyholder knew at the time of making that the statement was false or that it suppressed facts that it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of policy are adjusted on subsequent proof that the age of the life assured was incorrectly stated in the proposal. • Section 41 of the Insurance Act, 1938- Prohibition of Rebates: No person shall allow or offer to allow, either directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing a policy accept any rebate as may be allowed in accordance with the published prospectus or tables of the insurer. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees. • ULIPS products are different from traditional Life Insurance products and are subject to risk factors. • Premium paid in ULIPS are subject to Investment risks associated with capital Markets & the NAV of the units may go up or down based on the performance of the fund and factors influencing capital markets & the insured is responsible for his decision • Investments are subject to market risks. Past performance is not indicative of future results (Including sales illustrations and brochures) • This product is underwritten by Tata AIG Life Insurance Company Ltd. • Tata AIG Life Insurance Company Limited is only the name of insurance company & Tata AIG Life InvestAssure SuperStar is only the name of the ULIP contract and does not in any way indicate the quality of the contracts, its future prospects or returns • The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Please know the associated risks and the applicable charges from your Insurance agent or the Intermediary or policy document. • IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

  42. Thank You!

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