Company profile:Few men in history have made as dramatic a contribution to their country's economic progress as did

the founder of Reliance, Shri. Dhirubhai H. Ambani. Fewer still have left behind a legacy that is more
enduring and timeless.
As with all great pioneers, there is more than one unique way of describing the true genius of
Dhirubhai: the corporate visionary, the unmatched strategist, the proud patriot, the leader of men, the
architect of India's capital markets, and the champion of shareholder interest.
But the role Dhirubhai cherished most was perhaps that of India's greatest wealth creator. In one
lifetime, he built from scratch, India's largest private sector enterprise.
When Dhirubhai embarked on his first business venture, he had a seed capital of only about US$ 300
(around Rs. 14,000). Over the next three and a half decades, he converted this fledgling enterprise
into a 60,000 crore colossusan achievement which earned Reliance a place on the global Fortune
500 list, the first ever Indian private company to do so.
Dhirubhai is widely regarded as the father of India's capital markets. In 1977, when Reliance Textile
Industries Limited first went public, the Indian stock market was a place patronised by a small club of
elite investors which dabbled in a handful of stocks
. Undaunted, Dhirubhai managed to convince a large number of first-time retail investors to
participate in the unfolding the Reliance story and put their hard-earned money into the Reliance
Textile IPO, promising them in exchange for their trust, substantial return on their investments. It was
to be the start of one of the greatest stories of mutual respect and reciprocal gain in the Indian
market.
Under Dhirubhai's extraordinary vision and leadership, Reliance scripted one of the greatest growth
stories in corporate history anywhere in the world, and went on to become India's largest private
sector enterprise.
Throughout this amazing journey, Dhirubhai always kept the interests of the ordinary shareholder
above all else; in the process making millionaires out of many of the initial investors in the Reliance
stock, and creating one of the world's largest shareholder families.

Anil Dhirubai Ambani, born on 4th June, 1959, in Mumbai.

He is the younger son of the visionary entrepreneur Shri Dhirubhai Ambani and lives with his mother
Kokilaben Dhirubhai Ambani in Mumbai.
Graduated (B.Sc. in Science) from K.C. College, Mumbai University and MBA at Wharton, University of
Pennsylvania. He is married to former actress - Tina Munim and has two sons Jai Anmol (23 Years)
and Jai Anshul (19 Years).
He has an elder brother Mr. Mukesh Ambani and two younger sisters Mrs. Dipti Salgaocar
and Mrs. Nina Kothari. Corporate :
Anil Dhirubhai Ambani is one of Indias leading business leaders and founder of the Reliance Group;
whose constituent business enterprises are engaged in pivotal roles in the ongoing economic
transformation of India.
He is the Chairman of the Reliance Group; including, Reliance Communications, Reliance Capital,
Reliance Infrastructure, and Reliance Power.
Anil or ADA, as he is often referred to by his colleagues, founded the Reliance Group in 2006
and in less than 10 years, the Reliance Group has built a leadership position in major growth sectors
of the Indian economy, including telecommunications, generation, transmission and distribution of
renewable and non-renewable sources of power, national road highways, metro rail systems, cement,
financial services, education, healthcare, media and entertainment.

Claim:-

Critical Illness:Documents required for Critical Illness claim

Critical Illness Claim form A - to be filled by the Life Assured

Claim form B - Certificate of illness to be filled, signed and stamped by the attending doctor.

Original policy documents

All hospital reports (certificate of diagnosis, lab reports, attended physician report, biopsy reports if
any, discharge summary, first consultation notes etc.)

Notes

All the documents submitted to us should be original or photocopies attested by a Reliance Life
Insurance official.

In addition to above documents Insurance Company reserves the right to ask for more documents /
information.

Lodging or notification of claim or submission of claim forms and / or claim documents to the
company shall not be construed as an admission of liabilities of the company. No agent or official other
than designated persons are authorized to admit any liabilities on behalf of the company, nor to alter this
list of documents or any claims requirements called for by the Company.

Accidental Death Benefit / Total & Permanent Disability

Documents required for death claim

Claim forms (A & B).

All hospital reports (certificate of diagnosis, attended physician report, discharge summary, first
consultation notes etc).

Original policy documents

FIR and Police Investigation Report.

News paper cutting on the accident, if available.

Death
Documents required for Death claim

Claim form A: This form need to be filled by the nominee or claimant

Claim form B - Certificate of last illness to be filled, signed and stamped by the doctor in attendance
during the last illness of the deceased life assured.

Original policy documents

Original death certificate by Death and Birth Registrar

Death certificate by the doctor confirming cause of death

Nominees photo identification card copy attested by Insurance company official

All hospital reports, if hospitalized during the last sickness

Post Mortem Report and Viscera report, if performed

In case of Accident or Suicide

Claim form C - Certificate of Identity, along with Claim forms (A & B)

First Information Report and final Police Investigation Report

Newspaper cutting on the accident, if available

Survival and Maturity Benefit

Survival Benefits: Survival benefits are those payments which are paid during the term of the
policy. The frequency of payment may vary from product to product.

Maturity Benefits: Payment made at end of the policy term as shown in policy documents.

Survival Benefit:

Survival benefit is paid only to In Force policies.

Payments are made directly to customer on due date, if policy conditions are met.

Maturity Benefit:

Maturity benefits are paid to In Force and Paid-up policies.

Payments are made directly to customer on submission of discharge form and original policy
documents.

Wealth + Health
As a part of the Welcome Kit, you will receive the following:

Health Card.

Network Hospital List with contact details.

Claims and Pre-Authorization Forms.

Your Health Identity Card:

Your health card which will be provided will identify you as a beneficiary of Reliance Wealth + Health
plan will give you access to our network Hospitals. Secure your Health ID card and carry it with you all
the times, Quote your TPA ID card no. when you call TPA helpline. The cashless access in TPA network
of hospitals is merely a facility extended to you by TPA under the contract with RLIC. TPA does not
guarantee the availability, quality and outcome of the treatment. Selection of a network to a nonnetwork hospital is a prerogative of the beneficiary.
Please note you are not entitled to any benefit on the first 48 hours of stay in the hospital. The
hospital expenses in excess of the policy benefit amount would be paid by you directly to the hospital
of admission.
How to get admitted in a Network Hospital /Nursing Home :
Pre authorization is absolutely necessary without which the Network provider will refuse cashless
service. Please send the Hospital request note from the attending physician stating the following to
TPA via fax/courier/e-mail/messenger.

Ailment and its duration.

Known past illness, if any.

Hypertension or diabetes.

The name of the Hospital /Nursing home and consultant's contact no.

The proposed date of admission.

Class of accommodation.

The approximate duration.

Treatment plan.

After due scrutiny, TPA will send an Authorisation Letter (AL) for cashless treatment and guarantee of
payment. This is subject to the terms, conditions, exclusions and limitations of the Hospitalisation cash
benefit cover for insured person(s) under the Reliance Wealth + Health plan
Admission Procedure:
In order to secure admission on the appointed day, you are advised to register your name with the
hospital well in advance. Approach the admission / Reception counter of the hospital on the day of
admission with the Authority Letter and your ID card. The Hospital/nursing home will admit you and
extend the credit facility up to the amount guaranteed by RLIC subject to availability of bed.
When Cashless Access to Hospital Can be Denied :
A) In the event sufficient information in the prescribed format is not given by the insured person(s)
B) In the event of ineligible disease or vague symptoms as per the medical practitioner (preauthorization for cashless can be denied). About 95% of admission in the hospitals is planned,
therefore it is necessary to obtain Authority Letter in advance.
The denial of Authorization for cashless access does not mean denial of treatment and does not in any
way prevent you from seeking necessary medical attention or hospitalization. In such cases you are
advised to file your claim for reimbursement and TPA will settle the claim as per policy eligibility and
policy coverage under Reliance Wealth + Health plan.
What to do After Discharge From Hospital:

Hospitalization claim form duly signed by the insured person(s)/policy holder.

Discharge card/discharge summary.

Reports of all investigations.

Emergency Hospitalization:

In the event of emergency, you could first admit the patient in the Hospital and then inform TPA,
within 12 hours of admission and for this purpose you would need to provide "ADMIT IMMEDIATELY"
advice from a qualified doctor/medical practitioner. You could call up the number provided on the reverse
of the ID card.

As it is an emergency, you have the facility of collecting the pre-authorization form from the treating
hospital or you could even download the PDF format from the TPA website.

Insured should show the ID/Health card to the network hospital and also submit the preauthorization form to the treating hospital.

The forms shall be scrutinized and further processed and the cashless facility will be activated.

On discharge, you would need to sign the required documents.

TPA will pay the amount to the hospital.

Please note that as per policy terms and condition the hospital needs to be equipped with a
minimum of ten beds.

Payment of Hospitalisation benefits for treatment in a Non Network Hospital:

While it is suggested that you choose a network hospital, you are at liberty to choose a Non-network
hospital only in the event of an emergency and as advised by your doctor. Prior approval of TPA is a

must even in respect of admission to a Non Network Hospital. In the event you choose to get treated
in a Non-Network, you will have to submit the following documents in original to TPA to obtain
reimbursement of eligible claim amount.

Hospital Bill and Receipt for payment.

Claim form duly signed.

Discharge card/discharge summary.

Reports of all investigation.

The above list is not exhaustive;

TPA may request additional documents / information, if any, for processing the claim.
TPA reserves the right to change the claim process with 15 days prior notice.
Enclosed is an indicative claim process flow chart.

Claim Process

Claim Process
Claim information & role of the TPA
You have the option to avail of cash less service facility at network hospitals as identified and
empanelled by the company / Third Party Administrator (TPA).
In case of a planned hospitalisation, you have to take pre-authorization from the Third Party
Administrator (TPA) prior to taking admission at any network hospital. In case of emergency
hospitalisation, you have to notify the TPA in writing within 24 hours of the hospitalisation on medical
emergency.
You will be provided with a photo identity card with a unique membership number by the TPA which
will entitle you and your enrolled family members to avail of cash less hospitalisation services.
However if the policyholder does not wish to avail cash less facility or the member is hospitalised in
any hospital other than the specified network hospitals or cash less facility has been disapproved by
the company/TPA, the policyholder has to notify the company in writing, within 7 days of the
hospitalisation of the member. The company will reimburse the medical expenses as per the policy
terms and condition.

Realince life insurance plan types

We live in a world which is uncertain at every step. It becomes all the more important to ensure that
your family stays protected unconditionally.
Reliance Protection Plans helps you do exactly the same. With options ranging widely from limited
period plans which can be availed online to lifetime protection plans, you can opt for the one as per
your financial needs.
While we understand that nothing can compensate for the loss of a life, we intend to provide you the
peace of mind that you family will be secured after you.
So go ahead and get a quote for a term plan today.

Reliance
Term Plan
1.

"I'm relieved that things won't crash tomorrow even if I'm not there."
The plan that ensures your family is protected against any eventuality.

We work hard to live life to the fullest and provide our family with the best things in life. In todays
uncertain world, are we prepared for any unforeseen emergencies?
A term plan offers your family protection against these unforeseen events that may drastically change
your familys lifestyle, in your absence.
Reliance Term Plan offers a large life insurance cover, at an affordable premium. While nothing can
compensate loss of life, we intend to provide you peace of mind.

1
Get easy and affordable protection

2
Get adequate cover based on your liabilities

3
Protect your family against unforeseen circumstances

4
Ensure your family lives a comfortable life, no matter what

5
Enhance your protection through riders

hoose adequate protection cover based on your needs

Ensure your loved ones are secured in case of an eventuality

Purchase insurance cover at an affordable premium

Enjoy tax benefits as per applicable tax laws

Ramesh, aged 35, is a software professional who lives with his wife, Geeta, a homemaker and a lovely
5 year old daughter, Renuka.
Rameshs family recently moved into their own house. They are delighted that their long cherished
dream has finally become a reality. However, Ramesh has to pay a considerable home loan EMI and is
worried about the repayment of such a large loan in case of an eventuality, given that his wife and
young daughter are financially dependent on him. Also, he is concerned about how to take care of
their other financial needs, if he is not around.
He shares his concerns with his friend, Sumit, who suggests that he should take a life cover from
Reliance Life Insurance. Ramesh opts for Reliance Term Plan. He covers himself in following three easy
steps:
Step 1: He selects the Insurance Cover (Sum Assured) and gets a quote from our representative
Step 2: He fills up the application form along with his personal and health details, and submits it
along with a cheque for the premium payable
Step 3: Subsequently, required medical tests are conducted
Based on his application, the policy gets issued with the applicable life cover. Ramesh is now relieved
as he has adequately secured himself against unforeseen events.

3 years later: Ramesh meets with an unfortunate accident and passes away. It takes his wife, Geeta,
some time to come to terms with the reality that Ramesh is no longer around and she alone has to
take care of their daughter, Renuka. Geeta approaches the nearest branch of Reliance Life Insurance
with Rameshs Policy Document.
The branchs customer care executive helps her in completing the necessary claim forms, gives her the
acknowledgement immediately, and forwards the documents to the Claims Department.
Geeta is worried about how she will provide for her familys needs and Renukas education expenses.
However, within a few days, the claim amount cheque of Rameshs Reliance Term Policy is delivered to
Geeta at her home.
She is overwhelmed with relief. While her emotional gap can never be filled, she can now provide for
Renukas education and marriage, as planned with Ramesh.

Saving & Investment

Plans
2.

In life, you have always given your family whatever they have wanted. Yet, there are some promises
you have to fulfil, such as taking your family for a vacation, or buying that dream house.
Set aside some money to achieve these specific goals with the help of Reliance Savings & Investment
Plans. The plan allows you to experience the joys of life and provide for your family's needs.
Enjoy life without worrying about the promises you have madewe are here to fulfil them.

a.

Reliance Super Money Back Plan

Reliance Super Money Back Plan helps you provide a regular income and security for your family
despite the ups and downs of life. The guaranteed monthly income increases every year while the
guaranteed periodic lump sums enable you to invest in your business or fulfill your family's goals.

"Business profits are never certain, yet I'm sure of a monthly income."
Get guaranteed payouts at periodic intervals to fulfill your family's desires.

Reliance Super Money Back Plan helps you provide a regular income and security for your family
despite the ups and downs of life. The guaranteed monthly income increases every year while the
guaranteed periodic lump sums enable you to invest in your business or fulfill your family's goals.
Moreover, the life insurance cover in this plan ensures your family continues to fulfill their goals in case
of any unforeseen eventuality, even in your absence.

Take care of your monthly expenses

Renovate your house every five years

Plan a vacation every five years

Plan for your retirement

Fund your childs monthly school fee

Guaranteed

Liquidity:

Money Back Benefits at the end of every five policy years till maturity

Increasing regular monthly income payouts

Boost

Loyalty Addition, payable at the end of the premium payment term

Maturity Addition, payable at the end of the policy term

Protection for your family:Get life cover of at least 10 times the annualised

Your

Savings:

premium for the entire policy term

Pay

as

you

like:

Select amongst policy terms of 10/20/30/40/50 years and pay for only half of

the policy term

Choose to pay premiums yearly, half-yearly, quarterly or monthly

Tax benefits: Enjoy tax benefits on the premiums paid and benefits received, as per
applicable income tax laws

b. Reliance Fixed Savings

Reliance Fixed Savings helps you to create a corpus for unforeseen expenses, by
allowing you to systematically save over a period of time. This plan offers guaranteed
benefits, including fixed additions that accrue every year and an additional lump sum
at maturity, along with a life cover to protect your family.

"Knowing exactly what Ill get in the future lets me focus on more important things; like my
sons cricket practice."
A plan that secures your future with upto 10% Fixed Regular Additions.

Reliance Fixed Savings helps you to create a corpus for unforeseen expenses, by allowing you to
systematically save over a period of time. This plan offers guaranteed benefits, including fixed
additions that accrue every year and an additional lump sum at maturity, along with a life cover to
protect your family.

1
Secure your future with fixed returns

2
Get incremental savings in the first 3 years

3
Create a corpus to fulfill your long term goals

4
Avail tax benefits

5
Get up to 10% Fixed Regular Addition

Fixed Regular Additions

On survival of the Life Assured till the start of the last policy year, the accrued Fixed Regular Additions
are payable on the first day of the last policy year.
Fixed Regular Additions as a percentage of Annualised Premium as mentioned belowwill accrue at the
start of each policy year, provided all due premiums have been paid in full.
Policy Year
Fixed Regular Additions
(Percentage of annualised premium)

3 onwards

8%

9%

10%

Maturity Benefit
On survival of the Life Assured till the end of the policy term, Guaranteed Sum Assured on Maturity is
payable which is equal to:
i. Annualised Premium x Premium payment term (PPT)
ii. Fixed Maturity Addition = Maturity Factor x Annualised Premium
Maturity Factor, as a percentage of the Annualised Premium, depends on the age of the Life Assured at
inception of the policy, premium payment term, policy term and the death benefit option chosen.

Death Benefit

In case of unfortunate demise of the Life Assured during the policy term, provided the policy is in force
as on the date of death, the nominee shall receive the maximum of the following benefits:
i. Sum Assured on death
ii. 105% of all the premiums paid, excluding the underwriting extra premiums as on date of
death
Plus
Accrued Fixed Regular Additions till the time of death, if not paid earlier
Sum Assured on death is higher of:
i. Annualised Premium x death benefit multiple as per the death benefit option chosen
ii. Guaranteed Sum Assured on maturity
Options of Death Benefit can be chosen based on the age at entry, Premium Payment Term and Policy
Term as per the following table:
Death Benefit Option

Death Benefit
Multiple

Premium Payment Term

Policy Term
5

12
10X

10

15

10
8-59

8-44

8-55
8-60

20
12

45-58
45-60

7X

15

NA
45-60

20

56-60

Death benefit option shall be chosen by policyholder at inception and it cannot be changed during the
Policy Term.

Lets take an example:

Rahul, aged 30 years, opts for Reliance Fixed Savings and:

Selects premium payment term of 7 years, policy term of 20 years and pays an yearly
premium of Rs. 50,000 p.a. (exclusive of taxes), assuming that he is in good health

Fixed Regular Additions (as a percentage of annualised premium) accrue within the policy,
immediately on premium payment
i. 8% during first policy year,
ii. 9% during second policy year and

iii. 10% p.a. from third policy year onwards

On survival till the start of the last policy year, Rahul receives the accrued Fixed Regular
Additions

At maturity, Rahul receives, the Guaranteed Sum Assured at maturity which is equal to:
i.

Annualised Premium x Premium payment term (PPT)

ii.

Fixed Maturity Addition = Maturity Factor x Annualised Premium

c.
Reliance's Money Multiplier Plan
A plan that helps you achieve your goals sooner.

"Thanks to this plan, my home is now truly mine."

A plan that helps you achieve your goals sooner.

Reliance's Money Multiplier Plan not only helps you save for a lump sum that helps you take your
family for that long vacation, or buy an asset, but also offers double protection in case of an
unforeseen emergency. This way, you can ensure this lump sum can help them fulfill their goals even
in your absence.

Utilize the lump sum to pay off your home loan

Fund your childs wedding

Save for retirement

Get a lump sum to fulfill your dreams

Protect your family

Savings: Get three Guaranteed Benefits at maturity

Sum Assured

Guaranteed Loyalty Additions, accrued at the end of each policy year

Guaranteed Maturity Addition

Your Guaranteed Loyalty Additions and Guaranteed Maturity Addition increase with the number of
years you pay premiums and remain invested in the plan.
Protection for your family:

Get life cover of at least 10 times of the annualized premium for the entire policy term

Get Accrued Guaranteed Loyalty Additions, if any

Flexibility: Choose your policy term: 10,15 OR 20 years
Tax benefits: Get tax benefits on investment and on returns, as per the applicable income tax laws

Ajay, aged 30 years, opts for Reliance's Money Multiplier Plan and:
Selects

policy

term

of

20

Years

for

Sum

Assured

amount

of

Rs.

2,88,462

Pays an annual premium of Rs. 30,000 p.a. (exclusive of taxes), assuming that he is in good health
Receives

Maturity

Benefits

at

the

end

of

the

policy

In the unfortunate event of his demise, his nominee receives a lump sum amount Death Benefit

term

3. Retirement Plans
You are a young and earning individual. The income you earn allows you to enjoy life, your only worry
being whether you will be able to continue the same lifestyle after retirement.
A Reliance Retirement Plan will help you save money for your retirement. It ensures that you continue
to get some income after retirement thereby ensuring that you do not have to depend on any other
person or make any compromises to maintain the same lifestyle.
Invest in a Reliance Retirement Plan today and enjoy life after retirement on your own terms.

a.Reliance Immediate Annuity Plan

Worried about how to invest your hard earned money post retirement? Convert your lump sum/corpus
in to regular income for life. Its like gifting yourself a regular income in the future.
"Who says we have retired, I gifted myself a salary for life."

Get guaranteed regular income for your entire life.

Reliance Immediate Annuity helps you earn a regular income for your entire life. This is a Single
Premium plan where you pay a lump sum premium amount, and opt for a suitable Annuity Option as
per your requirements. Based on the opted Annuity Option and selected payout frequency, you start
receiving regular annuity income.

1
Convert your earnings in to regular income

2
Get regular income (Annuity) for your entire life

3
Leave behind a legacy for your family

4
Live life to the fullest, even after retirement

5
Receive tax benefits

One Time Payment - Pay premium only once

Whole Life Guaranteed Income - Get guaranteed whole life income (Annuity)
Flexibility:

Choose your annuity from 3 different annuity payout options

Life Annuity

Life Annuity with Return of purchase price

Life Annuity guaranteed for 5, 10 or 15 years and payable for life thereafter

Select your annuity payout frequency - Monthly, Quarterly, Half yearly or Annually
Ease of enrollment - No medical tests required

Tax benefits - Enjoy tax benefits on the premiums paid and benefits received, as per applicable
Income Tax laws

How does the plan work?

Lets take an example:
1) Selects Annuity option - Life Annuity with return of purchase price on death and chooses
the Annuity payout frequency
2) Pays one time premium of Rs. 5,00,000 p.a. (excluding service tax)
3) Receives guaranteed monthly income of Rs. 2,371 p.m. (i.e. Rs. 28,455 p.a.)
4) Enjoys regular monthly income for whole of life
5) Assuming that Mr. Mohan dies at the age of 80 Years, the total income he receives till his
death is Rs.5.7 lakh
6) His nominee receives the Purchase Price of Rs.5 lakh- (Premium paid excluding service
tax) as lump sum Death Benefit

b.Reliance Smart Pension Plan

Retirement is the most important milestone in your life. The key to successful retirement planning is
starting early to build a desired retirement fund. The right retirement kitty will ensure fulfilling your
dream of a wonderful retirement life with the independence you deserve.
"Im happy to be the one who pays at the reunion." A plan that guarantees you returns and
helps create a long term corpus for life after retirement.

With increasing life expectancy and lifestyle diseases, we will live longer after retirement and need
more money for medication. With rising inflation, it is imperative that we start saving for retirement
early, so we dont have to compromise on our lifestyle even after we have stopped earning. Reliance
Smart Pension Plan is a non participating unit linked pension plan that allows you to save
systematically and build up the much needed lump sum to provide yourself a regular income after
your retirement.

Build a corpus for your golden years

Decide your retirement age

Live an independent life

Ensure regular income for a lifetime

Get tax benefits as applicable

Build an adequate retirement corpus

Choose a policy term from 10 to 30 years, as per your convenience

Get equity participation along with the comfort of capital guarantee

Enhance your retirement corpus through loyalty additions

Increase your retirement fund with any extra lump sum as Top-ups, whenever available
Decide when you want to retire

Choose vesting age from 45 to 75 years, as per your ease

Extend your retirement age, as per your need

Receive regular income, as per annuity chosen by you

Fulfill your immediate needs with tax-free withdrawal of 1/3rd of the accumulated corpus upon
retirement
Protect your family: Get a minimum guaranteed amount, based on the total premiums paid in case
of any eventuality
Avail tax benefits: Get tax benefits on investment and on returns, as per applicable income tax laws

Amar, aged 35 years, opts for Reliance Smart Pension Plan and:

I)

Selects premium payment term of 10 years with 20 years policy term and pays an

annual premium of Rs. 50,000 p.a.

II) Enjoys equity participation of up to 20% with a minimum guarantee of Rs. 505,000 on
vesting

III) Loyalty additions will be accrued in his policy account

IV) On vesting, Amar has 2 options

Option 1: Commute up to 1/3 rd of the Fund Value and purchase annuity guaranteed for lifetime from
the balance amount
Option 2: Utilise the entire Fund Value to purchase annuity guaranteed for lifetime

V) In the unfortunate event of his demise, his nominee receives the death benefit
Option 1: Commute up to 1/3rd of the Fund Value and purchase annuity guaranteed for lifetime
from the balance amount
Benefit at Vesting

@8%

@4%

Lump sum at Vesting

413,886

227,749

Annuity for Lifetime

45,399

24,982

Legacy for Nominee

802,960

441,845

4.Unit Linked Plans

No matter what goals you have set in life,
a ULIP can help you in achieving them.

While keeping you and your

family protected.

Unit Linked Insurance Plans generally called as ULIP are investment cum protection plans that offers
you dual benefits of availing market linked returns on your investments along with life insurance cover.
You have an option to choose from a variety of funds available under the selected plan along with the
flexibility to manage and switch between funds.
Reliance Life Insurance presents you a wide range of Regular and Single premium ULIP plans that suits
your investment need.

a. Reliance Classic Plan II

Reliance Classic Plan II is a savings plan that allows you to benefit from long-term investment that is
protected against uncertainties, through a life insurance cover. The plan allows you to invest in
multiple funds based on your risk appetite and gives you the control to switch between the funds,
depending
on
the
market
conditions.
Please explain

"Being in control of my money gives me time for more important things." A plan that puts you
in control to manage the way your money is invested.