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Presentation on Comparison of Peak NAV Guarantee ULIP

 Insurer LIC SBI Life Bajaj Reliance HDFC ICICI Pru
Allianz Life
ULIP Samridhi Smart Max NAV SL Crest Pinnacle
Plus Performer Advantage Advantage II
Entry Age 8-65 Yrs 9-60 Yrs 8-60 Yrs 7-60 Yrs 14-55 Yrs 8-65 Yrs
Term 10 Yrs 10 Yrs 10 Yrs 15 Yrs 10 Yrs 10 Yrs
PPT Single or Single or 5 5-7 Yrs Single or 15 5 Yrs 5 Yrs
5 Yrs Yrs Yrs
Maturity 18-75 Yrs 75 Yrs 18-70 Yrs 22-75 Yrs 19-65 Yrs 75 Yrs
Age
Mode Single, Yly, Hly, Yly, Hly, Single, Annual Annual
Yly, Hly, QLY, ECS QLY, ECS Yly, Hly,
Qly, ECS Monthly Monthly QLY (ECS),
Monthly Monthly
(ECS)
Insurer LIC SBI Life Bajaj Allianz Reliance Life HDFC ICICI Pru
ULIP Samridhi Smart Max NAV SL Crest Pinnacle
Plus Performer Advantage Advantage II
Risk SP 1.10- SP 1.25-5 7-10 Times SP 1.1-6 10-20 7-10
Cover 5 Times; Times; 7- of Annual Times; Times Times of
Annual 20 Times Premium Annual 10-30 Annual
7-20 of Annual Times Premium
Times Premium (Age 7-
11Max 5 Lac)
Death SA or SA or Fund SA + Fund SA or Fund SA or SA +
Cover Fund Value Value Value Fund Fund
Value (minimum (minimum Value Value
105% of 105% of (minimum
Premium) Premium) 105% of
Premium
DAB YES - YES RIDERS - -
 Insurer LIC SBI Life Bajaj Reliance HDFC ICICI Pru
Allianz Life
ULIP Samridhi Smart Max NAV SL Crest Pinnacle
Plus Performer Advantage Advantag II
e
Premium SP 30000; SP 60000 Annual SP 50000; 50000 PA 50000
Yly 15000 Yly 50000 25000 Yly 20000 PA
Hly 8000 Hly 44000 Hly 10000
Qly 4000 Qly 36000 Qly 5000
ECS 1500 ECS 20000 Mly 2000
Fund Type One – Two - Five - One Two - One
Samridhi Guarantee Guarantee Guarante
Plus Fund on One on One e on One
NAV 100 7 Yrs – 5% Full Full 7 Yrs – 7 Yrs or
Guarantee Months, Higher Peak NAV Term
Term End than Peak or 15 Ends
Peak NAV NAV
 Insurer LIC SBI Life Bajaj Reliance Life HDFC ICICI Pru
Allianz

ULIP Samridhi Smart Max NAV SL Crest Pinnacle

Plus Performer Advantage Advantage II

Allocation 6% 8.5% 10% 7% 4% 6%

Charges
[1st Year]
Allocation 4.50% 6% for 3.75% (2- 6% (2-4) 4% (2) 5% (2)
Charges for PPT PPT 5) 5.5% (5-10) 3% (3) 3% (3-5)
[Later] 0% 5% (11 on) 2% (4-5)
Allocation 3.3% 3% NA 2% NA NA
Charges
[SP]
Top Up NA NA 2% 2% NA NA
 Insurer LIC SBI Life Bajaj Reliance HDFC ICICI Pru
Allianz Life

ULIP Samridhi Smart Max NAV SL Pinnacle

Plus Performer Advantage Advantage Crest II

Partial 5 Yrs 5 Yrs 3 Yrs 5 Yrs 5 Yrs 5 Yrs

Withdraw

Surrender 5 Yrs 5 Yrs 5 Yrs 5 Yrs 5 Yrs 5 Yrs

Surrender NIL NIL NIL NIL NIL NIL

Charges

Discontinuation Yes Yes Yes Yes Yes Yes

Charges
 Insurer LIC SBI Life Bajaj Reliance HDFC ICICI Pru
Allianz Life

ULIP Samridhi Smart Max NAV SL Crest Pinnacle

Plus Performer Advantage Advantage II
Policy 1st Yr 30 SP Flat 50 1ST Yr NIL 40 PM 0.31% of 0.25% of
Admn PM; PM; AP 3% PA of (thru) for Annual Annual
Charge there- Flat 60 PM Annual SP; No Premium Premiu
after Premium Charges PM; m PM
Escalation from 2nd Yr for AP. Escalatio for 5 Yrs;
@ 3% on n 5% PA; 0.1% 6th
Max 500 Yr on
PM
FMC 0.90% 1.00% 1.25% 1.35% 1.35% 1.35%
Guarantee 0.40% 0.50% 0.25% 0.25% 0.50% 0.10%
Charge
 Illustration Mode Yly; Premium 1 Lac; SA 10 Lac
Insurer LIC SBI Life Bajaj Allianz Reliance Life HDFC ICICI Pru
ULIP Samridhi Smart Max NAV SL Crest Pinnacle II
Plus Performer Advantage Advantage
1st Yr Alctn Charge 6000 8500 10000 7000 4000 6000
Policy Admn Charges 360 720 0 0 3720 3000
Total 1st Year 6360 9220 10000 7000 7720 9000
2nd Yr Alctn Charge 4500 6000 3750 6000 4000 5000
Total 2nd Year 4878 6720 6750 6000 7906 8000
3rd Yr Alctn Charge 4500 6000 3750 6000 3000 3000
Total 3rd Year 4897 6720 6750 6000 7101 6000
4th Yr Alctn Charge 4500 6000 3750 6000 2000 3000
Total 4th Year 4917 6720 6750 6000 6306 6000
5th Yr Alctn Charge 4500 6000 3750 5500 2000 3000
Total 5th Year 4938 6720 6750 5500 6522 6000
TOTAL IN 5 YRS 25990 36100 37000 30500 35555 35000
Total 5 Yr Premium 500000 500000 500000 500000 500000 500000
Allocated 474010 463900 463000 469500 464445 465000
 Insurer LIC SBI Life Bajaj Allianz ICICI Pru Reliance HDFC Std
Life Life Life
ULIP Samridhi Smart Max Pinnacle NAV SL Crest
Plus Performer Advantage II Advantage
Sample 8 0.50 2.48
Mortality 10 0.48 2.48 0.77
Charges
[rate per 18 1.15 2.48
thousand 25 1.25 2.70
at the age] 30 1.46 Charges 2.74 1.46 1.57 1.46
Are
35 1.73 Based on 3.03
40 2.57 SAR 3.82 2.48 2.52 2.57
45 3.89 Formula 5.05
50 6.56 7.53 5.91
55 10.76 11.37
60 16.34 16.56 14.21
65 27.02 25.84
And the
winner
is…
 How Safe is Investment?
• Simple: Only ONE Fund Type.
• Range of Investment 0-100%: Extremely
Flexible.
• Virtual Auto Switching – Useful in
Avoiding Fall or Booking Profit.
• Even, if the all above do not impress, the
highest NAV over the first 100 Months
of the policy or the NAV as at the end of
the term, whichever is higher, is
payable.
 Safe Bet – More than Capital Guarantee
(Investment INR 1 Lac)
Fund Type Govt. Short-term Listed Equity
Securities money market Shares
instruments
Wealth 0% 0% 0%
Plus Fund to to to
100% 100% 100%
Fund 60-70% 30-40%
Spread [Rate of Return 8% PA]
INR 70000 INR 30000
10 Years 151124 120000
TOTAL 251124 [IRR 10.49%]
 Return Projection
ULIP Launch Date Fund Type Current
[Similar Time Horizon or [Period Elapsed] NAV
Investment Pattern] (16.02.11)

Bima Plus 2.02.01 Risk 58.74

[10 Y] Balanced 41.12
Child Fortune Plus 1.11.08 Risk 15.23
[2 Y 3 M] Secure 15.58
Wealth Plus 9.02.2010 Wealth Plus 11.05
[1 Yr] [5.11.2010]

Wealth Plus is a Peak NAV Guarantee ULIP

Investments in ULIP are subject to Market Risks
 INVEST TODAY!

Compilation: Kulbhushan Sharma, Manager MASH, EC ZO/DO Patna