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Presented by Y.Ashok R.Indra sehn
ICICI PRUDENTIAL LIFE INSURANCE PLANS
Term plans: Term life insurance ensures that your family receives a large lump sum amount, called the sum assured, in the unfortunate event of death of the policyholder.
Nuclear family structure
Wealth insurance plans have been designed to ensure that you can save for these long term goals along with the benefit of life cover and provide protection to your family.WEALTH PLANS: Wealth insurance ensures that you receive a lump sum amount of money at the maturity of the Policy. Benefits: Regular savings Protection Tax benefits .
It offers financial protection to your child’s future in the unfortunate event of your death. Benefits: Increasing costs of education Multiple interests of children Protection .CHILD PLANS: In this you pay premium regularly or in a single lump sum and during the key educational milestones of your child you can withdraw the money partially.
HEALTH PLANS: Health insurance insures you and your family against expenses arising due to a medical emergency and uncertainty of health such as a hospitalization or the critical illness. It prevents a medical emergency from becoming a financial one. Benefits: Lifestyles have changed Medical emergencies can strike unexpectedly Quality health care is unbelievably expensive .
RETIREMENT PLANS: Retirement insurance ensures that you or your family members receive a regular pension amount post a retirement date. Benefits: Inflation Financial independence post retirement Longer retirement years .
. Rural Plans: The plans offer Life cover. low and affordable premiums . so they can pass on the benefits to their loved ones. Your kind gesture to safeguard their family's future. savings and security.GROUP PLANS: Group Insurance Plans from ICICI Prudential enable you to effortlessly provide your employees with both.
Increasing life cover every year – Life cover which increases with time. Guaranteed Maturity Addition. through Guaranteed Loyalty Additions. .RELIANCE LIFE INSURANCE PLAN: Money Multiplier Plan: Features: Double life cover – This plan offers you a life cover of twice the basic sum assured. Triple survival benefits (on Maturity): Basic sum assured. Accrued Guaranteed Loyalty Additions.
TERM PLAN: Key Features: Get higher insurance protection at economical rates Optional Accidental and Disablement Rider to enhance protection Economical way to protect your family against financial liabilities Like loss of income and outstanding loans etc Discount on premium rates for women Suitable for business owners who want to cover the life of their key employees .
SPECIAL TERM PLAN: Key Features Get higher insurance protection at economical rates Basic premiums paid will be refunded at maturity Choose to pay Regular or Single Premium Choose to add the Benefits of two riders to your Policy- Critical Illness and Accidental Death Benefit and Total and Permanent Disablement Rider .
Reliance Critical Conditions Rider and Reliance Accidental Death and Total and Permanent Disablement Rider Choose to avail of Policy Loan after three years .ENDOWMENT PLAN: It takes a lot for a dream to become a reality Key Features: On maturity receive Sum Assured plus bonuses More Value for your money by way of High Sum Assured Rebate Choose to add the Benefit of three Riders-Reliance Term Life Insurance Benefit Rider.
WHOLE LIFE PLAN: Key Features: Insurance protection till age 85 Choice of extending your insurance coverage till age 99 Convenient Premium Payment Term More value for your money by way of High Sum Assured Rebate Get Sum Assured plus Bonuses in case of your unfortunate death Option to add two Riders – Critical Illness and Accidental Death Benefit and Total and Permanent Disablement Rider Policy Loan available after three full years premium payment .
'Reliance Super Invest Assure Plan (RSIP)' that offers guaranteed additional contribution for policyholders.SUPER INVEST ASSURANCE PLAN: It provides investors an opportunity to invest in eight different fund options. apart from returns on investment and maturity benefits. .
AVIVA GAMIN SURAKSHA: Aviva Garmin Suraksha is an ideal low cost solution to help you protect your loved ones through: Payment of Sum Assured to your family in the event of your death Premium payment for 2 years and benefits for full the policy term .
critical illnesses.AVIVA HEALTH PLUS : Aviva Health Plus is a health cum savings plan that provides a cover on life. accidents. while guaranteeing the return of a part of the premium on maturity through: Provision of a Life Cover (Sum Assured) on death Additional protection against accidental death and disability Coverage against Total Permanent Disability due to sickness Coverage against 18 critical illnesses Protection against 37 major surgeries . surgery and hospitalization. disabilities.
. Option A – Life Protection Option B – Income Replacement Option C – Loan Protection. a unique protection plan to help you plan for your family in case you are not around.AVIVA LIFE SHIELD PLATINUM : Presenting Aviva Life Shield Platinum.
AVIVA DHAN VARSHA: Aviva Dhan Varsha is a traditional investment cum protection plan that provides you Guaranteed Addition of 6% to 9% of the sum assured along with life protection Guaranteed Maturity Benefit at the end of the Policy Term No premium payment liability during the last five years for policy term of 10. 15 and 20 years Optional riders for additional protection in the event of accidental / non-accidental death .
Premium Guarantee Plan. . HDFC Life term plans are Term Assurance Plan. Loan Cover Term Assurance Plan and Home Loan Protection Plan.HDFC LIFE INSURANCE: Term Plan: A risk plan which provides comprehensive cover for your family in the unfortunate event of untimely demise.
an investment plan invests part of your savings in equity or debt market as per your preference. health plan provides cover for surgery costs. Health Plan: Slightly different from health insurance.INVESTMENT PLAN: Popularly known as ULIP. critical illness. . ULIP’s offered by HDFC Life are Endowment Assurance Plan. Single Premium Whole of Life Insurance Plan.
it’s absolutely necessary to make provisions for the future which makes retirement plan an important financial decision. . Better known as Pension plan The pension plans offered by HDFC Life are Personal Pension Plan.RETIREMENT PLAN: With rising inflation. Immediate Annuity and Pension Maximums.
Child plan of HDFC Life are called SL Youngster Super II.CHILD PLAN: Child Plan is a plan specifically designed to take care of financial needs of your child. Child plan provides with necessary funds that will take care of child’s education. SL Youngster Super Premium and Children’s Plan. marriage etc. .
.PURE ENDOWMENT POLICY V/S TERM LIFE INSURANCE Pure Endowment Policy Beneficial for the policyholder It has element of investment Protects against living long Term Life Insurance Beneficial for the others (beneficiaries) It has element of protection Protects against living short.
. A life insurance policy that allows the policyholder to vary the amount or timing of premium payments.FLEXIBLE PREMIUM POLICY A policy wherein the insured can modify the amount and scheduling of premium payments.
insurance companies come up with the ULIP plan where the premium about is invested in the share market and returns better income on the maturity period. Features: Life protection Investment and saving Flexibility Investment options Transparency . So.ULIP: Many people wanted plan which gives protection also gives the returns for their investment.
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