5th Generation DSP

Diamond Saving Plan

Financial Plan UIN-110N133V01

Growth & Guarantee is now Reality

Growth & Guarantee
Guarantee is precious because interest rate is falling down & Growth is important to beat inflation

GDP
Countries
Interest Interest % Rising Long-Term Inflation …
Rank JUL 18 % % JUN 19 Change
5.24%
1 China 3.52% 3.25% -0.27%  4.00% 3.15%
2 Japan 0.02% -0.10% -0.12% 
3 India 7.99% 6.49% -1.50%  2.23%
4 South Korea 2.56% 1.59% -0.97% 
5 Indonesia 8.00% 7.40% -0.60% 
6 Taiwan 0.96% 0.72% -0.24%  $10 billion Sovereign Bonds
7 Thailand 2.70% 2.15% -0.55%  (INR approx. 69,000 Crores) CPI India CPI India CPI India CPI India
to be launched by sept 2019 Government
8 Singapore 2.46% 2.00% -0.46%  will get money at a lower interest rate and
2016 2017 2018 July 2019
9 Hong Kong 2.16% 1.65% -0.51%  hence they might require less money from Source https://www.inflation.eu/inflation-rates/india/
10 Malaysia 4.07% 3.64% -0.43%  Indian market leading to fall in interest rate

Get Bonuses | bonus once declared is GUARANTEED

Asset Allocation How is DSP Fund
Diamond Savings Declared bonuses constantly higher than assumed bonus
Plan as on 30th June Management different?
Tata AIA Life Bonus History | Bonus AssumedDeclared
FY bonusesFY FY FY
2019 ❖ No Redemption pressure, unlike Type of Plan
Product type RB (8%) constantly higher 17-18 18-19
15-16 16-17
% of MF and ULIP than assumed bonus
Instrument Money Maxima (12 to 20 year term) Par Endowment Simple 4.30% 4.60% 4.60% 4.60% 4.60%
NAV ❖ No need to publish daily NAV,
unlike MF and ULIP Money Maxima (21 to 30 year term) Par Endowment Simple 4.80% 5.10% 5.10% 5.10% 5.10%
Government
48.79% ❖ Regular flow of premiums, unlike MahaLife Magic Par Endowment Comp 4.00% 4.25% 4.25% 4.25% 4.25%
Securities MF and ULIP Money Back Plus Par Money Back Comp 2.60% NA 2.75% 2.75% 2.75%
Equity 36.06% Our Fund performance Insta Wealth Plan Par Endowment (OTC) Comp 2.75% NA 3.25% 3.25% 3.25%
Freedom (for PPT of 7 Years) Par Endowment Comp 3.20% NA 3.50% 3.50% 3.50%
Corporate
11.75% Freedom (for PPT of 10 Years) Par Endowment Comp 2.50% NA 2.85% 2.85% 2.85%
Bonds As on 31st JUL 19
Freedom (for PPT of 15 Years) Par Endowment Comp 2.35% NA 2.65% 2.65% 2.65%
MMI & 70% of Tata AIA funds rated 4
3.40% Monthly Insurance Plan (PPT of 7 Years) Par Endowment Comp 3.80% NA NA 4.00% 4.00%
Others or 5 stars by Morningstar Monthly Insurance Plan (PPT of 10 Years) Par Endowment Comp 2.90% NA NA 3.15% 3.15%
Total 100.00% (external rating agency) Good Kid Par Endowment Comp 2.10% NA NA 2.25% 2.25%

Get Guaranteed Increasing Life Cover

Age and responsibilities
35 Male | Non Smoker | PT 25 | PPT 12 |
Premium 2 Lacs p.a without taxes | 8% SIS 69.25 Lacs 67.59 Lacs 68.51 Lacs

38.64 Lacs
22 Lacs
23.03 Lacs

DSP Life Cover Year 1 Year 5 Year 10 Year 15 Year 20 Year 25

Get Power of Regular Income Get benefit of limited PPT

A plan that offers best amongst the competitors
Tata AIA Diamond Savings Plan | Sample Illustration For Male Life - Age 35 years
Income Total Income Total
Total Total Total Payout
PPT/PT Premium Income Period in to Premium Benefit
Premium Income @ 8%
years Ratio Ratio
12 Pay 25 200,000 2,400,000 176,112 13 22,89,456 69,62,239 95.39% 290.09%
12 Pay 25 300,000 3,600,000 264,168 13 34,34,184 10,443,355 95.39% 290.09%
12 Pay 25 400,000 4,800,000 352,225 13 45,78,925 13,924,490 95.39% 290.09%
For Internal Training, Reference and Circulation only | Refer Sales Illustration for Actual Calculations
 Sampoorna Sampoorna
Raksha Raksha
UIN: 110N129V03 UIN: 110N130V03

Protection is more Precious

We always
protect what
we consider
precious…

Car value depreciates every Your life is more

year & your value valuable than
appreciates every year … any other assets
Rs. 10 Lacs At same Premium
WHO is more important
You get and has to be
Car Insurance You are the For Car of Rs. 10 Lacs
1 Crore SA &
Rs. 17,464 owner … Car or YOUR LIFE? Insurance Premium protected..!!!
is Rs. 17,464 not Rs. 10 Lacs

What it costs to You can get a 40 years term plan

1 liter Diesel 1 packet of
Sampoorna Raksha , for 1 Crore 1 liter milk
protect your Sum Assured at Rs. 17,464 PA
will cost you brown bread
will Cost you Rs. 65 per
appreciating will cost you
Coverage Cost is as low as Rs. 40 per day day Rs. 40 per day
valuable Life Rs. 40 per day

Why customers lapse at Age 60… “You may lapse

Policies
Term (Years)
Lapse Rate
Child is Settled
your policy in the
WHY it is 78% 21 - 25 years long term”
important to According 86% 26 - 30 years Medicine Expenses increases
hence buy
choose Limited to Industry
premium term? Experts
94% 31 - 35 years
Near Zero income 10/5 pay
96% + 35 Years

Sampoorna Raksha Sampoorna Raksha

SR | Sum Assured 1 CR | Age 40 Male | Non Smoker SR+ | Sum Assured 1 CR | Age 40 Male | Non Smoker
C) Premium + D) Total Premium C) Premium + D) Total Premium
A) PPT Term B) Term A) PPT Term B) Term
GST (P.A) | Rs. Paid (Rs.) GST (P.A) | Rs. Paid (A X C) (Rs.)
5 Pay 40 81,538 407,690 5 Pay 40 111,502 557,510
10 Pay 40 45,548 455,480 10 Pay 40 61,969 619,690
12 pay 40 39,412 472,944 12 pay 40 55,908 670,896
Regular 40 17,464 698,560 Regular 40 36,993 1,479,720

HOW is SR+ HOW is SR+ superior

superior than SR ? than competition? Competition
SR (10 pay) SR+ (10 pay) SR+ (10 pay) (10 pay)
Sum Assured 1 Crore 1 Crore Sum Assured 1 Crore 1 Crore
Premium (P.A) 45,548 61,969 Premium (P.A) 61,969 96,172
Get 100% premium SR GST is 18% & Best option for
You need to pay 55% extra i.e. 3.42 Lacs EXTRA to get same
back just by paying SR+ is 4.5% (2.25% customers who
36% more from 2nd year) wants premium back benefit with competition products

For Internal Training, Reference and Circulation only | Refer Sales Illustration for Actual Calculations