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This document proposes an annuity plan from Birla Sunlife insurance for the client. It includes details of the premium amounts for two plan options with a sum assured of Rs. 25 lacs and premium terms of 22 years. It also describes the key features of the plan such as a life cover until age 100, waiver of premium if incapacitated, and a maturity benefit after 22 years. Additionally, it discusses the importance of financial planning and lists seven habits of ineffective investors. It prompts the client to self-reflect on their financial planning and provides a link for maXpertz Wealth Managers for financial planning solutions.
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This document proposes an annuity plan from Birla Sunlife Insurance for retirement planning, children's future, and family financial security. The key details are a sum assured of Rs 50 lacs, life cover up to 100 years, a monthly premium of Rs 21,575 for 22 years, and an approximate maturity benefit after 22 years of Rs 1,55,25,000. The plan offers waiver of premium if the policyholder becomes incapacitated, and passes the policy benefits to nominees. It also discusses ineffective financial habits and poses self-assessment questions on savings, spending, debts, retirement, and having a clear financial plan. maXpertz Wealth Managers are proposed for financial planning solutions.Plans categorization
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- Health plans that provide a lump sum payment if diagnosed with a critical illness.
- Group plans for organizations to provide benefits to employees.
- Micro plans with low premiums tailored for rural customers.
- Child plans that provide both protection and savings for a child's future goals like education.Worksite presentation 1
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The policy states that investment risks in linked insurance products are borne by the policyholder, with no liquidity available in the first five years. It highlights the importance of planning for retirement due to a lack of social security and the need for financial independence. The document also warns against fraudulent offers and emphasizes the necessity to understand the risks associated with unit-linked life insurance products.Child plan presentation
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The document discusses different types of whole life insurance plans. It provides details about key features of whole life insurance plans including guaranteed lifetime protection until age 100, flexible premium payment terms that can be paid over 10, 15, or 20 years, and flexible bonus options. Various popular whole life insurance plans offered by companies like LIC, HDFC, Max Life, and Tata AIG are also listed.LIO Practical.pptx
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The document provides information about life insurance plans offered by two Indian life insurance companies - Aegon Life Insurance and Bajaj Allianz Life Insurance.
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Ms. Iyer recently retired from government service after 30 years. Within two weeks, friends and relatives with financial product agencies were pressuring her to invest her retirement proceeds in their products without considering her needs. It is recommended that retirees consider their anticipated expenses, income needs, liquidity, emergencies, medical costs, and risk profile before planning investments. A basic recommended plan is to invest six months of expenses in a savings account or short-term debt funds for emergencies and then invest the rest in secure instruments like senior citizen savings plans or postal monthly income schemes for steady income and capital protection. Residual funds can then go to debt mutual funds or medical insurance. Life insurance is not recommended as an investment post-retIcici insurance
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Ran
- 1. Annuity proposal for bymaXpertz- Get the Money Avenues Expertise
- 3. Financial goals Retirement planning.
- 5. Financial Security for the family.Product Birla Sunlife insurance Sum Assured: Rs 25 Lacs
- 6. Life Cover: 100 Years or till survival.Product Birla Sunlife insurance Monthly Premium: Rs 10,975
- 7. With Waiver of Premium**
- 8. Premium term: 22 yearsProduct Birla Sunlife insurance Monthly Premium: Rs 10,725
- 9. With Waiver of Premium**
- 10. Premium term: 22 yearsProduct Birla Sunlife insurance Waiver of Premium**:If the insured person turns incapable to pay the remaining premiums in the event of financial difficulties due to an illness or accident, then the company not only waives off all future premiums but also keeps the policy features intact benefiting the insured person both on survival or other wise.For eg., Mr . X has a term of 20 years term for premium payment. After 10 years, if he is incapacitated for some reason, the insurance company will waive off premiums for the next 10 years. But will keep all the benefits intact benefiting the insured person both on survival or other wise.
- 11. Product Birla Sunlife insuranceApprox maturity benefit after 22 years: Rs 77,63,000.
- 12. Rs 77,62,300.Product Birla Sunlife insuranceKey features of the plan: Cover starts from 30 years and goes on till 100 years or till ones survival.
- 13. After ones life term, the policy can be passed on to the nominee, which in essence becomes like a property.
- 14. In the event of a mishap within 22 years ie., policy paying term, the nominee gets the sum assured + the fund value. For eg., Mr. X is struck with a mishap after 10 years, the nominee gets the full sum assured + the fund value accrued for 10 years.
- 15. Waiver of premium facility ensures the continuity of plan even if the policy holder turns incapacitated due to some reasons.Product Birla Sunlife insuranceFinancial Security
- 16. Product Birla Sunlife insuranceHealth Cover Plan: For both For 5 lacs Rs 10,308 PA.
- 17. Seven habits of highly ineffective investors1. Keeping all your money in the bank account which earns very low interest
- 18. Seven habits of highly ineffective investors2. Assuming one to be old or too young to make a financial plan
- 19. Seven habits of highly ineffective investors3. Great to be busy @ work.. But that being a reason to avoid personal financial planning.
- 20. Seven habits of highly ineffective investors4. Postponing the financial planning for tomorrow.
- 21. Seven habits of highly ineffective investors5. Treating personal financial planning as a boring exercise
- 22. Seven habits of highly ineffective investors6. Not saving a regular amount on your monthly earnings
- 23. Seven habits of highly ineffective investors7. Not having adequate insurance cover for self and the family
- 24. Self questionnaireAm I saving?
- 25. Am I saving enough?
- 26. Am I deploying the saved money in the best investment options?
- 27. Am I spending the right way?Self questionnaireHave I taken a comprehensive life cover?
- 28. Have I rationalized my debts?
- 29. Can I retire some of the debts?
- 30. Have I planned for my immediate and distant future?
- 31. Most of all, do I have a clear financial plan?maXpertz Wealth Managersfor financial planning solutions