For Internal Use Only.

1. For Internal Use Only.

2. Different instruments of savings PROTECTION Tax Benefit Tax Benefit Double Tax Benefit Safety Safety Safety Safety Safety High risk, potential for high returns low Return Moderate return Approx 8% return Approx 8% return Min 10% addition Liquidity Liquidity Liquidity Liquidity Liquidity Liquidity SHARES SAVINGS Account GOLD PPF NSC DHANSURAKSHA DHAN SURAKSHA OFFERS COMPLETE PROTECTION AND GUARANTEED addition For Internal Training Use Only

3. SYMBOLS OF GUARANTEE HALLMARK Guarantees Quality Guarantees Purity 5 STAR Hotel Guarantees Protection Guarantees Service A plan that will provide assurance ,protection & assured savings For Internal Training Use Only

4. Only 7 Star Property In India GuaranteedProtection Guaranteed Addition Additional Accident Cover Guaranteed Liquidity Double Tax Benefit Guaranteed MaturityValue Guaranteed Surrender value For Internal Training Use Only

5. Guaranteed Additions • Rs.100 per Rs. 1,000 Sum Assured paid for each completed year of the policy • Paid at maturity or in case of unfortunate demise of the Life Insured. Guaranteed Addition: 10% of Sum Assured every year For Internal Training Use Only

6. Guaranteed Liquidity • Money back of 15 % of the basic sum assured paid at the end of every 5th policy year • Policy must be in force and premium paying Sukhdevji invests in DhanSuraksha Sum Assured: Rs.3,00,000 Term 25 years Age:- Premium:- 5th 10th 15th 20th Rs 45000 Rs 45000 Rs 45000 Rs 45000 Money at regular intervals to take care of short term needs For Internal Training Use Only

7. Guaranteed Maturity • At maturity sum assured with all guaranteed additions • Survival benefits already disbursed will be reduced from sum assured Sukhdev ji invests in Dhan Suraksha Sum Assured: Rs.3,00,000 25 years Sukhdevji gets on maturity Rs. 8,70,000 Upto 3.5 times of Sum Assured is guaranteed For Internal Training Use Only

8. GUARANTEED MATURITY WITH POTENTIAL FOR HIGHER RETURNS • The money backs received can be invested to achieve higher returns SukhDevji invests in DhanSuraksha Sum Assured: Rs.3,00,000 Term 25 years Rs 45000 Rs 45000 Rs 45000 Rs 45000 Invests money back in FD at 7.0% Rs. 420494 Invests money back in Tax free FD at 8.5% Rs.509160 Adds to your investment corpus *Interest rates as per current prevailing rates and are subject to change For Internal Use Only

9. Make your money grow Sukhdevji invests in DhanSuraksha Sum Assured: Rs.3,00,000 25 years Rs. 8,70,000 Invests money back in FD at 7.0% Rs. 420494 Rs.12,90,494 Sukhdevji gets on maturity Get higher returns by investing money backs prudently For Internal Training Use Only

10. Guaranteed Protection • In case the death of life insured happens after the age of 7 last birthday as on the last policy anniversary • Full sum assured with guaranteed additions till the date of death • In case of death of the life insured till the age of 7 last birthday as on the last policy anniversary • Total premium paid with interest till date of death • Underwriting extra (if any), education cess and • service tax would be excluded Guaranteed Protection for your loved ones For Internal Training Use Only

11. Guaranteed accident cover • Double sum assured incase of accidental death In case of accidental death between 18 years and 65 years of age, an additional sum assured (equal to the base sum assured) would be paid. Guaranteed protection to your loved ones For Internal Training Use Only

12. DOUBLE tax BENEFIT • Premiums paid would be eligible for deduction under Section 80 C of the Income Tax Act 1961. • Maturity benefits and money back amount received would be eligible for deduction under section 10(10D) of Income Tax Act 1961. Money saved is money earned • Tax benefits will be applicable as per prevailing tax laws. • Tax laws are subject to change. For Internal Training Use Only

13. GUARANTEED SURRENDER VALUE • Policy can be surrendered anytime after 2 policy years provided 2 full policy years’ premiums have been paid. • In case of surrender of the policy, a guaranteed surrender value would be paid. Helps in financial emergency For Internal Training Use Only

14. Illustration AmanKhurana, aged 27 is working as a bank executive and has recently got married to Dimple. A year later, after their son Inder was born, he decided to take a DLF PramericaDhanSuraksha with a sum assured of Rs. 1,00,000. How would his policy work? He was 27 at that time. Rs 15000 Rs 15000 Rs 15000 5th year 10th year 15th year Can be used for child’s education or to repay Home Loan For Internal Training Use Only

15. Illustration Unfortunately, in 17th policy year he met with a road accident. Rs 15000 Rs 15000 Rs 15000 5th year 10th year 15th year 17th year Sum Assured: Rs 1,00,000 Accident Cover: Rs 1,00,000 Guaranteed Addition: Rs 1,60,000 TOTAL Rs 3,60,000 For Internal Use Only

16. 3 SIMPLE STEPS FOR GUARANTEED PROTECTION & RETURN Step 1 Select the level of protection (Min. Rs 40,000) Step 2 Choose a policy term (15, 20 & 25 years) Step 3 Pay the premium based on the sum assured, term chosen, age & gender of the life insured For Internal Training Use Only

17. BACKDATING • The policy can be backdated for any date/month in the current financial year (April – March) • If a policy is back dated beyond “1” calendar month from Date of Commencement, interest would be charged. • Why should I backdate: • To get the benefit of reduced premium • To have the policy anniversary on a defined date like birthday of child, marriage anniversary etc For Internal Training Use Only

18. What If I’m Unable to pay my Premium? • If policyholder discontinues premium payment within the first 2 policy years, policy can be revived within three years from the date of first unpaid premium • All due premiums with interest must be paid • In case policy is not reinstated within the revival period, the policy will terminate without any value and no policy benefits will be payable. • If policy is discontinued after 2 full years complete premiums are paid, the policy will become • Reduced Paid Up • The benefits will reduce proportionately. • It will not be entitled to any future survival benefits and any future guaranteed additions. • All guaranteed additions already accrued till the date of paid up will only be considered for all future benefits payout. • Accidental death benefit will also not be paid • Reduced paid up Value to be paid in case of maturity For Internal Training Use Only

19. ACCIDENTAL COVER DETAILS • Accident is defined as a sudden occurrence, caused by outside forces and independent of the insured will which is the direct and sole cause of death of the Insured. • Any heart attacks, hemorrhages, strokes, poisonings as well as any other illnesses or infections (inclusive of the sudden ones) shall not be regarded as accidents. • The death must occur within the insurance period and less than 180 days following the date of the accident. • It is inbuilt and no additional premium will be required to be paid separately • Minimum and Maximum SA: Same as base plan sum assured • Age of maturity : 65 yrs (Base plan will continue) For Internal Training Use Only

20. INCOME PROOFS • Standard Income Proofs acceptable are: • Form 16 for latest year • Individual Income Tax returns (ITR) for 3 yrs • Audited Company Accounts for 3 yrs • Audited Firm Accounts and Partnership Deed for 3 yrs • Latest 3 months Salary Slip • Supporting Documents include • Audited CA Statements / Income Computation Statements attested by CA • Profit & Loss A/c and Balance Sheet of the firm • Bank Statements for last 6 months of the firm, • Agriculture produce sale receipt • Land records (7/12) • Rental agreement • Home Loan sanction letter • Investment documents (Latest Fixed Deposits and Mutual fund Statements) For Internal Training Use Only

21. Thank You