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   This advertisement is designed for combination of Benefits of two individual and separate plan types named (1) Reliance Nippon Life's Guaranteed Money Back Plan (UIN: 121N084V03) (2) Reliance Nippon Life Immediate Annuity Plan (UIN-121N012V02). The Customer has the choice of purchasing any one or more plan types as per his/her need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the Insurer and presented in this advertisement. The customer is expected to ask questions, understand and satisfy himself that the combination meets his/her specific needs better before deciding to purchase the combination. This Benefit Illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein.  Advertisement DisclaimerEasy Retirement Solution Income for life Presentation for LEO   LEO, a comfortable life is one of the most important goals of your life and requires disciplined financial planning. Ordinary savings can get frittered away due to unforeseen expenses. So you need a complete solution which will help you to build a retirement corpus, provide you regular income and help to leave a legacy for your Spouse/Child. That  s not the only goal you have, you also want lump sum payouts for various financial obligation before your retirement.Keeping this in mind, we have designed  Easy Retirement Solution  for you to get guaranteed and periodic lump sum payout along with whole life regular income for yourself along with leaving a corpus for your spouse and child. This solution is a combination of Reliance Nippon Life's Guaranteed Money Back Plan (a non-linked non-par insurance plan) and Reliance Nippon Life Immediate Annuity Plan (a non-linked non-par annuity plan).This solution works in two phases: Investment phase In this phase, you will purchase Reliance Nippon Life's Guaranteed Money Back Plan and pay premium.   Premiums payable Year 1 to 10 yearsRs. 500,000 Income phase In this phase, you have the option to use the final periodic money back benefit plus maturity benefits of Reliance Nippon Life's Guaranteed Money Back Plan received on maturity to purchase Reliance Nippon Life Immediate Annuity Plan  Life Annuity with ROP  option with  Yearly  annuity.BenefitsBenefits received during the maturity yearof Reliance Nippon Life's Guaranteed Money Back Plan to be used to purchase Reliance Nippon Life Immediate Annuity Plan Annual income from year 16**Lump sum payout to the nominee on death of the Life Assured after purchasing annuity Rs. 3,662,151 Rs. 202,102 Rs. 3,597,398 Reliance Easy Retirement Solution Quotation No:  E08302019130090850210Pay premium of Rs. 500,000 p.a for 10 YearsGet Reliance Nippon Life's guaranteed money back benefits Rs. 646,262 on 11,12,13 and 14th YearGet final Reliance Nippon Life's guaranteed money back benefits Rs. 1,723,365 plus accrued guaranteed loyalty addition and guaranteed maturity addition Rs. 1,938,786 on maturity of the policy in the 15th Year   Name of Life Assured LEO Proposal No Age of Policyholder (Years) 43 Years Policy No Prepared on 30 Aug 2019 Name of the Insurance Advisor ROSARY ARUL KAVITHA S Sex Male Unique Identification No. 121N084V03 NRI No Age Proof Standard Location Details  Customer Communication Address : Tamil Nadu Branch Location : Tamil NaduEasy Retirement Solution- Benefit illustrationPremiums payable Year 1 to 10 yearsRs. 500,000Benefits Maturity benefit at the end of year 15through Reliance Nippon Life's Guaranteed Money Back Plan Annualised Income from year 16through Reliance Nippon Life Immediate Annuity Plan Lump sum payout to nominee on death of the Life Assured Rs. 3,662,151 Rs. 202,102 Rs. 3,597,398 Benefit Illustration of Easy Retirement Solution  Policy Term(years) 15 Years Mode of Premium Payment Yearly Annualised Premium on Basic Plan (Exclusive of GST) () 500,000 Amount of Installment Premium (Exclusive of GST)() 500,000 Total Installment premium payable^ Year 1 522,500 Total Installment premium payable^ Year 2 511,250 Sum Assured for Basic Plan 4,308,413 Maturity Age (years) 58 Years Premium Paying Term(years) 10 Years Age Proof Standard Year Age of PolicyholderAnnualised Premium(exclusive of GST)GST on premiumPremium (inclusive of GST)Basic Sum AssuredGuaranteed Loyalty Addition accrued at theend of the yearGuaranteed MaturityAdditionDeath Benefit Benefit Paid on Death due to accidentMoney back benefit at end of yearMaturity Benefit Applicable SurrenderValueAnnual income through Reliance Nippon life Immediate Annuity Plan  1 43 500,000 22,500 522,500 4,308,413 86,168 0 5,000,000 9,308,413 0 0 100,000 0 Benefits stipulated are available only if all the premiums are paid as per the premium paying term and the policy is in-force till the completion of entire policy term opted for.Your policy offers assured benefits, this will be clearly specified in the Benefit illustration as Maturity Benefit and declared at the inception of policy.For the purpose of illustration, we have combined the premiums payable and benefits that you may receive under each plan of this solution. These products are also available without combination.To know the details of this solution, please go through the  Terms and conditions  mentioned in the  Customer Declaration  section and the benefit illustrations of individual products as provided to you.Whole life Income of Rs. 202,102 p.a. will continue for youLump Sum Premium of Rs. 3,662,151Nominee gets lump sum of 3,597,398***Death of the Life Assured   2 44 500,000 11,250 511,250 4,308,413 172,337 0 5,000,000 9,308,413 0 0 300,000 0 3 45 500,000 11,250 511,250 4,308,413 258,505 0 5,000,000 9,308,413 0 0 750,000 0 4 46 500,000 11,250 511,250 4,308,413 344,673 0 5,000,000 9,308,413 0 0 1,000,000 0 5 47 500,000 11,250 511,250 4,308,413 430,841 0 5,000,000 9,308,413 0 0 1,250,000 0 6 48 500,000 11,250 511,250 4,308,413 517,010 0 5,000,000 9,308,413 0 0 1,500,000 0 7 49 500,000 11,250 511,250 4,308,413 603,178 0 5,000,000 9,308,413 0 0 1,855,000 0 8 50 500,000 11,250 511,250 4,308,413 689,346 0 5,000,000 9,308,413 0 0 2,240,000 0 9 51 500,000 11,250 511,250 4,308,413 775,514 0 5,000,000 9,308,413 0 0 2,700,000 0 10 52 500,000 11,250 511,250 4,308,413 861,683 0 5,250,000 9,558,413 0 0 3,150,000 0 11 53 0 0 0 4,308,413 947,851 0 5,250,000 9,558,413 646,262 0 2,815,761 0 12 54 0 0 0 4,308,413 1,034,019 0 5,250,000 9,558,413 646,262 0 2,732,651 0 13 55 0 0 0 4,308,413 1,120,188 0 5,250,000 9,558,413 646,262 0 2,632,919 0 14 56 0 0 0 4,308,413 1,206,356 0 5,250,000 9,558,413 646,262 0 2,513,241 0 15 57 0 0 0 4,308,413 1,292,524 646,262 5,250,000 9,558,413 1,723,365 1,938,786 0 0 16 58 0 0 0 0 0 0 0 0 0 0 0 202,102  1.The customer is advised to refer the detailed sales literature of the respective individual products, segregated premium particulars of each product. 2.The premium amount shown above is calculated assuming that the life Proposed/Assured is a normal healthy person. 3.In the event the Life Proposed/Assured is suffering from any sickness/ medical problems or in the event of any past medical history, the premium will be adjusted accordingly, as per the underwriting guidelines of Reliance Nippon Life Insurance Company Limited. 4.This premium shown above is indicative. Depending upon the factors such as health, occupation of the customer and other intrinsic factors such as non submission of documentary evidences like age proof, the premium will be adjusted accordingly, as per the underwriting guidelines of Reliance Nippon Life Insurance Company Limited. 5.For details of the rates and the terms and conditions applicable to the particular person/policy, kindly refer to the specifications in the policy document after issuance. 6.Goods and Services Tax (GST) along with Cess (inclusive of Kerala Cess), if any, as applicable, is levied on first year and renewal premiums on base policy premium and on rider premiums. The Goods and Services Tax (GST) rate and Cess (inclusive of Kerala Cess), if any, as applicable, will be revised as and when notified by the Government. Taxes, duties or surcharges of whatever description levied by any statutory authority will be applicable. 7.For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale. 8.The policy acquires Guaranteed Surrender Value only if first annualized premium have been paid. The surrender value will depend on the year of surrender, the policy term and premium paying term chosen. Acquired surrender value is payable only after completion of first three policy years. The policy will be terminated once it is surrendered. 9.Subject to the guaranteed surrender value, the company may however pay a special surrender value calculated according to the basis and method in use from time to time. Special surrender value is a non guaranteed benefit.10.Guaranteed Surrender Value & Special Surrender value is calculated at year end after paying survival benefits.11.If premium paying term is less than 10 years, the policy acquires a paid up value after two years full premiums are paid. If premium paying term is equal to more than 10 years the policy acquires a paid up value after three years full premiums are paid. Please refer to sales brochure for more details.^ Total installment premium payable is inclusive of Goods and Services Tax (GST) & cess and extra premium for non standard age proof (NSAP), if any.Reliance Nippon Life Insurance Company Limited is a fully licensed life insurance company registered with the Insurance Regulatory and Development Authority of India (Registration No: 121) in accordance with the provisions of the Insurance Act 1938. Disclaimers:- *Premium payable shown in the table above is exclusive of Goods and Services Tax (GST).** The annuity rates are not guaranteed. It is based on the current annuity rates and options available under Reliance Nippon Life Immediate Annuity Plan (UIN-121N012V02) To know the details of each plan of this combination solution, please go through the benefit illustration of individual products as provided to you. Premium Base Plan NSAP Extra Total Payable Installment Premium Without GST 500,000 0 500,000 Installment Premium With GST (Year 1) 522,500 0 522,500 Installment Premium With GST (Year 2) Onwards 511,250 0 511,250  Easy Retirement SolutionCustomer Declaration for LEO*Reliance Nippon Life Immediate Annuity Plan to be purchased at the maturity of Reliance Nippon Life's Guaranteed Money Back Plan. Benefit illustration of Reliance Nippon Life's Guaranteed Money Back Plan    Benefit Illustration of Reliance Nippon Life's Guaranteed Money Back Plan Name of Life Assured LEO Proposal No Age (Years) 43 Years Policy No Prepared on 30 Aug 2019 Name of the Insurance Advisor ROSARY ARUL KAVITHA S Sex Male Unique Identification No. 121N084V03 NRI No Location Details  Customer Communication Address : Tamil Nadu Branch Location : Tamil Nadu Policy Term(years) 15 Years Mode of Premium Payment Yearly Annualised Premium on Basic Plan (Exclusive of GST) 500,000 Amount of Installment Premium (Exclusive of GST) 500,000 Total Installment premium payable^ Year 1 522,500 Total Installment premium payable^ Year 2 511,250 Sum Assured for Basic Plan 4,308,413 Maturity Age (years) 58 Years Premium Paying Term(years) 10 Years Age Proof StandardI understand that1.This combination solution comprises of set of policies across one or more products of the company.I have been made aware that these products are also available individually with the Company and it is not mandatory for me to apply for this combination only.2.This is not a product brochure. I have separately gone through the product brochure of Reliance Nippon Life's Guaranteed Money Back Plan (UIN: 121N084V03) and Reliance Nippon Life Immediate Annuity Plan (UIN: 121N012V02) provided to me and have taken the decision to opt for this combination solution after having fully understood the risk factors, products terms and conditions as briefly indicated below:1. Reliance Nippon Life's Guaranteed Money Back Plan: Maturity Benefit, Death Benefit,Premium discontinuation, Surrender, Policy revival etc.3.In the illustrations, stipulated benefits are assured and declared at the inception of each policy.4.Tax benefits on premiums paid and benefits received will be applicable as per the prevailing tax laws.5.The benefit of this combination solution shall become payable only if I continue to pay regular premiums for the entire policy term /premium payment term, as the case may be6.The regular income benefit through Reliance Nippon Life Immediate Annuity Plan will be applicable subject to the following conditions:1.It shall be my sole responsibility to approach the Company after maturity of Reliance Nippon Life's Guaranteed Money Back Plan and utilize its maturity benefit to purchase Reliance Nippon Life Immediate Annuity Plan or any other similar product, as may be available with the Company at that point of time.2.Annuity rates are not guaranteed and hence are subject to change from time to time. The actual annuity amount will depend on the prevailing annuity rates at the time of purchase of Reliance Nippon Life Immediate Annuity Plan. Once the annuity is bought, the rates remain guaranteed for life.3. I shall have the flexibility to choose any of the annuity options offered by the Company at the time of maturity of the Reliance Nippon Life's Guaranteed Money Back Plan.7.The benefits available under the combination solution shall be as per the respective product  s terms and conditions.8.The premium quoted above is only the base premium exclusive of Goods and Services Tax (GST) and Cess. The actual premium may comprise of the base premium, extra premium, rider premium, if any and Goods and Services Tax (GST) and Cess as per applicable rates.9.The tax laws are subject to amendments from time to time.I ROSARY ARUL KAVITHA S,hereby confirm that I have understood the combination solution features explained to me. This combination solution consists of the products detailed herein in the above table. I understand that in order to get the benefits mentioned in the (combined benefit illustration), I shall have to purchase Reliance Nippon Life Immediate Annuity or a similar product separately, subject to availability at a future date.Customer  s SignatureDate:. For more details on the risk factors, terms and conditions please refer to the sales brochure carefully before concluding the sale.Reliance Nippon Life Insurance Company Limited (Reg. No 121)Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai, Maharashtra 400710, India.
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