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Presenting

Unit Linked Whole Life Insurance Plan

How InvestAssure Gold works…
Protection for whole life
Coverage till insured turns 100 years of age.

Flexibility to pay premiums
Regular Pay – Till Maturity Limited Pay – For 5 Years Top ups

Loyalty Additions
@ 0.25% of units under Regular Premium Account at the end of every 5 years.

As a Child Plan
Vijay is a 32 year old businessman. His son Aryan is 6 years old & wants to be a doctor. He is looking for a plan that helps him in ensuring that his son’s future does not suffer due to any financial constraint. Ans: InvestAssure Gold is the ideal plan for Vijay as it helps him to make investments for a short term which will grow over time & be available for Aryan’s Need over the long term. He can pay Rs. 1,20,000 annually (10,000 per month) for 5 years to secure Aryan’s future & provide him with an investment that can be used by him to fulfill his needs. Here is an illustration…

As a Child Plan
Age 30 Rs. 33 Lakhs Age 25 Aryan can make partial withdrawals for Rs. 21.6 Lakhs his financial needs after he turns 18 Age 21 s Rs. 5.46 Lakh Age 18 1 Rs. 12 Lakhs

Vijay Pays Rs 1,20,000 for 5 Years

What happens if he does not withdraw
Life cover continues Till Age 100

Age 6

Invest Assure Gold

Age 18

For Aryan’s admission-related For Aryan’s marriage or initial For Aryan’s college expenses For buying a House / Car expenses for his clinic expenses

Based on 10% rate of return assumption Provided there are no withdrawals till date

As a Child Plan

Fund Value Age 18 Age 21 Age 25 Age 30

@ 6% 814512 925188 1097251 1370949

@ 10% 1204086 1546559 2165354 3332947

As a Child Plan (with Payor benefit)
Age 30 Rs. 33 Lakhs Age 25 Aryan can make partial withdrawals for Rs. 21.6 Lakhs his financial needs after he turns 18 Age 21 s Rs. 5.46 Lakh Age 18 1 Rs. 12 Lakhs In case of Death of
Applicant during premium paying term Balance Premiums will be paid by Tata AIG Life Life cover continues Till Age 100

Vijay Pays Rs 121,037 Annually

And if he does not withdraw

Age 6

Invest Assure Gold with PB Rider For his Admissionor initial For his marriage related For buying a House / Car For his college expenses expenses for his clinic expenses

Age 18

Based on 10% rate of return assumption Provided there are no withdrawals till date

As a Child Plan

Fund Value Age 18 Age 21 Age 25 Age 30

@ 6% 814512 925188 1097251 1370949

@ 10% 1204086 1546559 2165354 3332947

As a Retirement Plan (Regular Pay)

Amit is a 28 year old Marketing manager working with a large multinational bank. He wants to start saving money to secure a comfortable retired life after 60.

Ans: InvestAssure Gold is the ideal plan for him as he can continue paying premiums as long as he can afford it. After that, he can choose to opt for the premium holiday or go for further top-ups based on his future cash situation. He can pay Rs. 60,000 annually (or 5,000 per month) as regular premium with a Sum Assured of Rs. 12.6 Lakhs. He can choose to withdraw the entire amount at 60 for investment in annuities or make partial withdrawals (need based) & continue with life cover till age 100.

As a Retirement Plan (Regular Pay)
Investment Value Age 60

Age 65 s Rs. 1.63 Crore

Amit will pay Rs. 60,000 Age 55 Every year till maturity Rs. 63 Lakhs

s Rs. 1.02 Crore
He would have a sizeable investment by retirement Which can be withdrawn partially or fully Life cover continues Till Age 100

Age 28

Invest Assure Gold
For Financial support if he For purchasing an annuity at 60 For a later retirement starts family at a later age

Age 60

For his needs

Based on 10% rate of return assumption Provided there are no withdrawals till date

As a Retirement Plan (Regular Pay)
Assuming that Amit retires at age 60, his Fund Value would be:

Fund Value At Age 60

@ 6% 46,09,712

@ 10% 1,02,81,476

Accumulated funds can be used to purchase an annuity (pension plan) which will provide an income in his golden years.

As a Legacy Plan

Sunil is a 40 year old businessman. He wants a legacy plan that helps him leave behind a huge Lumpsum for his family.

Ans: InvestAssure Gold is the ideal plan for him as he can pay premiums for a limited term of 5 years. After that, he can choose to go for further top-ups based on his future cash situation. He can pay Rs. 2,400,000 annually (or 20,000 per month) as regular premium with a Sum Assured of Rs. 36 Lakhs. His nominee will receive the Sum Assured or Fund Value whichever is higher.

As a Legacy Plan
Age 70 s Rs. 1.15 Crore Age 65 Rs. 74.8 Lakhs
He would leave a sizeable amount for his family

Sunil can pay Rs. 2,40,000 for 5 years

Investment Value

Age 55 Rs. 31 Lakhs

Age 60 Rs. 48 Lakhs

Age 40

Invest Assure Gold

Life cover continues Till Age 100 Age 70

Based on 10% rate of return assumption Provided there are no withdrawals till date

As a Legacy Plan

Fund Value Age 55 Age 60 Age 65 Age 70

@ 6% 1830858 2236540 2747919 3437285

@ 10% 3122068 4829233 7482785 11596689

As a Retirement Plan (Limited pay)

Akash Khanna is a 40 year old Doctor. He earns a sizeable income & wants to save money in order to secure his lifestyle in his golden years. He does not want a plan with a long term commitment due to the cyclical nature of business.

Ans: He can go for InvestAssure Gold with limited pay option for 5 Years. He can also make further top-ups based on his erratic cash inflows & windfalls that would also enable him to have a higher Sum Assured. He can pay Rs. 2,40,000 annually (20,000 per month) with a sum assured of Rs. 36 Lakhs. He can choose to withdraw the entire amount at 65 for investment in annuities or make partial withdrawals (need based) & continue with life cover till age 100. Here is an illustration…

As a Retirement Plan (Limited pay)
Investment Value

Akash can pay Rs. 2,40,000 for 5 years

Age 65 Rs. 74.8 Lakhs Age 60 Rs. 48 Lakhs Age 55 Rs. 31 Lakhs

He will have a sizeable investment by retirement Which can be withdrawn partially or fully

Age 40

Invest Assure Gold
AsFordoctor he would normally a unexpected needs like For purchasing an annuity at 60 suddenly getting dependents retire at this age

Age 65

Life cover continues Till Age 100

For his needs

Based on 10% rate of return assumption Provided there are no partial withdrawals till date

As a Retirement Plan (Limited Pay)
Assuming that Akash retires at age 65, his Fund Value would be:

Fund Value At Age 65

@ 6% 27,47,919

@ 10% 74,82,785

Accumulated funds can be used to purchase an annuity (pension plan) which will provide an income in his golden years.

Basic Plan Features
InvestAssure Gold is a long term investment + protection plan. Minimum Premium – Rs. 50,000 Choice of paying premiums for 5 years or till maturity Issue age is 30 days – 70 Years Maximum Age at Maturity is 100 Yrs. Flexibility to Choose Sum Assured or Premium Amount. Sum Assured Premium Multiple: The minimum sum assured is Maximum of
5 times the annual premium or (70 – age at entry) x 0.5 x Annual Premium.

Life cover continues till age 100 Loyalty units @ 0.25% of units under Regular Premium Account at the end of every 5 years. Maximum Sum Assured multiple – 60 Times Annual Premium

Basic Plan Features
5 fund options – WL Midcap Equity Fund, WL Aggressive Growth fund, WL Stable Growth Fund, WL Income Fund, WL Short Term Fixed Income Fund. Riders - ADB, ADDL, CI & PB Top ups available with option of additional Sum Assured Minimum Top up amount – Rs. 25,000 Option to choose premium holiday in case you want to discontinue paying premiums. Upon Maturity, he can opt for a Settlement option where he can withdraw the maturity amount in periodic payments over a period of upto 5 years. Customer has a free look period of 15 days where he can return the policy within a period of 15 days from the date of receipt if he is not satisfied Partial Withdrawal / Surrender is allowed after 3 policy Years (subject to charges) Surrender value paid will be :
(Regular Fund Value - Surrender Charges) + (Top Up Fund Value - Surrender Charges)

Premium Holiday
If policy holder does not pay his premium after paying premium for 3 consecutive years. Maximum Period for revival

Policy will go on premium holiday

2 years from date of first unpaid premium

Once the revival period expires

The cover and the premium holiday can be continued at the request of the policyholder, provided the surrender value does not go below one annual premium.

Once the surrender value goes below one annual premium

Automatic termination of policy by payment of surrender value after deducting relevant charges

During the premium holiday, premium holiday charge, monthly administration charge and mortality charge will be deducted from the fund. Premium Holiday (PH) charge- 4% of regular premium. The PH Charge will be applied till the Premium Paying Term or till the 5th Policy anniversary, whichever is earlier.

Disclaimers
This material belongs to Tata AIG Life Insurance Company Ltd. Any unauthorized use, reprint or circulation is prohibited. This product is underwritten by Tata AIG Life Insurance Company Ltd. Tax benefits are as per the Income Tax Act, 1938 and are subject to amendments made therein from time to time. Investments are subject to market risks. Riders are available at a nominal extra cost. Past performance is not indicative of future results The rates of 6% and 10% have been decided by the Life Insurance Council
^ Service tax is payable on life insurance premium as per section 65(105)(zx) of Finance Bill

(No.2), 2004 at the applicable rates as per circular number 80/10/2004-S.T. dated September 17, 2004 issued by the Government of India, Ministry of Finance and subsequent directions issued by the authorities from time to time. The service tax component payable by the policyholder at applicable rates will be stated in the premium notice and the premium receipt for the information of the policyholder. The company reserves the right to recover from the Policyholder any related insurance levies and duties as imposed by the government, by premium adjustment or other forms, as we deem appropriate .For Basic policy, service tax is levied on mortality charge and will be deducted through unit cancellation from the relevant funds. Extra amount is payable for service tax on rider premium. Tata AIG Life Insurance Company Ltd. (Reg. No. 110), Regd Off: Peninsula Towers, 6th floor, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013 Insurance is the subject matter of the solicitation

Thank You

Prsented by: Mohit sharma itsmohitonly@gmail.com

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