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Six in one

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Pradeep Patil

This document outlines the key features of several insurance plans including minimum and maximum ages, policy terms, sum assured amounts, premium payment terms, rider and additional benefits, commissions, and more. Plans 814, 815, 816, 820, and 821 are described with details on their eligibility criteria, coverage amounts, premium structures, and other terms and conditions.

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PLANS>>>>>>>>>>>>> SALIENT FEATURS MIN.AGE MAX,AGE MAX,MAT.AGE MIN.POLICY TERM MAX.POLICY TERM PRM.PAY.TERM MIN.S.A. MAX.S.A. MULTIPLE S.A. REBATE FOR S.A 814 NEW ENDT PLAN WITH PROFIT 8 YRS LBD 55 YRS ANB 75 YRS ANB 12 YRS 35 YRS EQUAL TO POLICY TERM 100000 NO LIMIT 5000 815 NEW 816 NEW G1 ANAND 18 YRS LBD 50 YRS ANB 75 YRS ANB 15 YRS 35 YRS EQUAL TO POLICY TERM 100000 NO LIMIT 5000 817 SNG PRM BIMA BACHAT 15 YRS LBD 66 YRS ANB 75 YRS ANB 9 YRS.12 YRS, 15 YRS 9 YRS.12 YRS, 15 YRS NIL RS.35/50/70(thousand)FOR 9/12/15 NO LIMIT 5000 FOR 9YRS>LESS THAN 75=NIL,75 TO 1.5=6%.ABOVE 1.5=8%/12YRS>LESS THAN 1LAK NIL, 1 TO 2 LAK=4%,FOR 15YRS>LESS THAN 1.5LAK=NIL,1.5 TO 3=3%,3LAKS ABOVE=5% SINGLE NIL NOT AVAILABLE NOT AVAILABLE NOT AVAILABLE YES YES YES YES 90% REFUND OF PRM. FROM DATE OF ACCEPTANCE NO MIMIMUM PREMIUM STD,NSAP I,II,III CAT. I.II.III ALLOWED AFTER 1 YR 60% OF SV 820 NEW ENDT PLAN 90 DAYS COMPLITED 65 YRS ANB 18 TO 75 YRS ANB 10 YRS 25 YRS NIL 50000 NO LIMIT 5000 821 NEW MONEY BACK 13 YRS LBD 50 YRS ANB 70 YRS ANB 20YRS FIXED TERM 15YRS 100000 NO LIMIT 5000 MONEY BACK 13 YRS LBD 45 YRS ANB 70 YRS ANB 25YRS FIXED TERM 20YRS 100000 NO LIMIT 5000 1LAK TO 1.95> NIL 1LAK TO 1.95> NIL/2 TO 4.95 50 TO 95000> NIL/ 1 TO 1.95> 1LAK TO 1.95> NIL 1LAK TO 1.95> NIL 2LAKS TO 4.95=2% OF BSA > 1.5%/ 5 TO 9.95> 2.5%/ 18% OF SA/ 2 TO 2.95> 25% OF 2LAKS TO 4.95=2% OF BSA 2LAKS TO 4.95=2% OF BSA 5LAKS ABOVE = 3% OF BSA 10LAKS ABOVE 3% OF BSA SA / 3 LAKS ABOVE 30% OF SA 5LAKS ABOVE = 3% OF BSA 5LAKS ABOVE = 3% OF BSA MODE OF PAYMENT ALL MODES ALL MODES SINGLE ALL MODES ALL MODES MODE REBATE YLY=2%,HLY=1%,QLY=NIL YLY=2%,HLY=1%,QLY=NIL NIL YLY=2%,HLY=1%,QLY=NIL YLY=2%,HLY=1%,QLY=NIL DAB/EPDB YES MAX. 50LAKS YES MAX. 50LAKS NOT AVAIABLE YES MAX. 50LAKS YES MAX. 50LAKS TERM RIDER YES YES NOT AVAIABLE YES YES PWB N/A N/A NOT AVAIABLE N/A N/A CIR YES YES YES YES YES DATING BACK YES YES YES YES YES NOMINATION YES YES YES YES YES ASSIGNMENT YES YES YES YES YES SUICIDE WITHIN 1YR 80% REFUND OF PRM. 80% REFUND OF PRM. 90% REFUND OF PRM. 80% REFUND OF PRM. 80% REFUND OF PRM. RISK COMMENCES FROM DATE OF ACCEPTANCE FROM DATE OF ACCEPTANCE FROM 8 YRS OR 2 YRS WHICHEVER IS LATER FROM DATE OF ACCEPTANCE FROM DATE OF ACCEPTANCE MIN.PRM RS.300/RS.300/NO MIMIMUM PREMIUM RS.300/RS.300/AGE PROOFS STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III FEMALE CAT. CAT. I.II.III CAT. I.II.III CAT. I.II.III CAT. I.II.III CAT. I.II.III NMG/NMS ALLOWED ALLOWED ALLOWED ALLOWED ALLOWED LOAN 90% OF SV OF INFORCE POL. 90% OF SV OF INFORCE POL. AFTER 1YR ,TERM 15 YRS>55%, 90% OF SV OF INFORCE POL. 90% OF SV OF INFORCE POL. 80% OF PAID UP POL. 80% OF PAID UP POL. 16 TO 20 TRS>40%,21above30% 80% OF PAID UP POL. 80% OF PAID UP POL. FORECLOSURE NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN SSV AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS ANY TIME WIYHOUT LOYALITY DISCOUNTED VALUE OF AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS GSV AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS 1ST YR= 70%, THERE AFTER 90% 1ST YR70% & 90% THERE AFTER AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS REVIVAL WITHIN 2 YRS WITHIN 2 YRS NIL N/A WITHIN 2 YRS WITHIN 2 YRS SURVIVAL BENEFITS NOT APPLICABLE NOT APPLICABLE 9YR>15% ON 3/6YR, 12YR>15% ON NO 20% OF BSA PAYABLE ON 15% OF BSA PAYABLE ON AVAILABLE 3/6/9YR, 15YR>15%ON3/6/9/12 YR 5TH/10TH/15TH YR 5TH/10TH/15TH & 20TH YR MATURITY S.A. BSA+ SRB+FAB BSA+ SRB+FAB SNG PRM.+ LA-TAX & EXTRA PRM SA+ SRB+FAB 40% OF BSA+ SRB+FAB 40% OF BSA+ SRB+FAB DEATH BENEFIT SA + SRB+FAB OR 10 TIMES OF SA ( 125% OF BSA)+ SRB+FAB 1ST5 YRS ONLY SUM ASSURED RETURN OF SNG. PRM. 125% OF BSA OR 10 TIMES OF 125% OF BSA OR 10 TIMES OF ANNULISED PRM. OR 10 TIMES ANNULISED PRM. AFTER 5 YRS >SA+ LA EXCLUDING TAX & EXTRA PRM. ANNULISED PRM. ANNULISED PRM. PROPOSAL FORMS 300 ,340 & 360 300 ,340 & 360 300 ,340 300 ,340 & 360 300 & 340 300 & 340 COOLING OFF AVAILABLE AVAILABLE AVAILABLE AVAILABLE AVAILABLE AVAILABLE AGENTS COMMISSION20%+BONUS COM.40%FYC 20%+BONUS COM.40%FYC 2% 2% 20%+BONUS COM.40%FYC 20%+BONUS COM.40%FYC CEIS REBATE 10% 10% 2% 2% 10% 10% SERVICE TAX 1ST YR 3.09% & 1ST YR 3.09% & 3.09% 3.09% 1ST YR 3.09% & 1ST YR 3.09% & SUBSEQUENT 1.545% SUBSEQUENT 1.545% SUBSEQUENT 1.545% SUBSEQUENT 1.545% TRAINING MATERIALS FOR AGENTS ONLY & NOT FOR PRIVATE CIRCULATION PREPARED BY: P.T.PATIL DOLIC HUBLI III DHARWAR DIVISION (9448133179)Email>ptpatil179@gmail.com

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Six in one

  • 1. PLANS>>>>>>>>>>>>> SALIENT FEATURS MIN.AGE MAX,AGE MAX,MAT.AGE MIN.POLICY TERM MAX.POLICY TERM PRM.PAY.TERM MIN.S.A. MAX.S.A. MULTIPLE S.A. REBATE FOR S.A 814 NEW ENDT PLAN WITH PROFIT 8 YRS LBD 55 YRS ANB 75 YRS ANB 12 YRS 35 YRS EQUAL TO POLICY TERM 100000 NO LIMIT 5000 815 NEW 816 NEW G1 ANAND 18 YRS LBD 50 YRS ANB 75 YRS ANB 15 YRS 35 YRS EQUAL TO POLICY TERM 100000 NO LIMIT 5000 817 SNG PRM BIMA BACHAT 15 YRS LBD 66 YRS ANB 75 YRS ANB 9 YRS.12 YRS, 15 YRS 9 YRS.12 YRS, 15 YRS NIL RS.35/50/70(thousand)FOR 9/12/15 NO LIMIT 5000 FOR 9YRS>LESS THAN 75=NIL,75 TO 1.5=6%.ABOVE 1.5=8%/12YRS>LESS THAN 1LAK NIL, 1 TO 2 LAK=4%,FOR 15YRS>LESS THAN 1.5LAK=NIL,1.5 TO 3=3%,3LAKS ABOVE=5% SINGLE NIL NOT AVAILABLE NOT AVAILABLE NOT AVAILABLE YES YES YES YES 90% REFUND OF PRM. FROM DATE OF ACCEPTANCE NO MIMIMUM PREMIUM STD,NSAP I,II,III CAT. I.II.III ALLOWED AFTER 1 YR 60% OF SV 820 NEW ENDT PLAN 90 DAYS COMPLITED 65 YRS ANB 18 TO 75 YRS ANB 10 YRS 25 YRS NIL 50000 NO LIMIT 5000 821 NEW MONEY BACK 13 YRS LBD 50 YRS ANB 70 YRS ANB 20YRS FIXED TERM 15YRS 100000 NO LIMIT 5000 MONEY BACK 13 YRS LBD 45 YRS ANB 70 YRS ANB 25YRS FIXED TERM 20YRS 100000 NO LIMIT 5000 1LAK TO 1.95> NIL 1LAK TO 1.95> NIL/2 TO 4.95 50 TO 95000> NIL/ 1 TO 1.95> 1LAK TO 1.95> NIL 1LAK TO 1.95> NIL 2LAKS TO 4.95=2% OF BSA > 1.5%/ 5 TO 9.95> 2.5%/ 18% OF SA/ 2 TO 2.95> 25% OF 2LAKS TO 4.95=2% OF BSA 2LAKS TO 4.95=2% OF BSA 5LAKS ABOVE = 3% OF BSA 10LAKS ABOVE 3% OF BSA SA / 3 LAKS ABOVE 30% OF SA 5LAKS ABOVE = 3% OF BSA 5LAKS ABOVE = 3% OF BSA MODE OF PAYMENT ALL MODES ALL MODES SINGLE ALL MODES ALL MODES MODE REBATE YLY=2%,HLY=1%,QLY=NIL YLY=2%,HLY=1%,QLY=NIL NIL YLY=2%,HLY=1%,QLY=NIL YLY=2%,HLY=1%,QLY=NIL DAB/EPDB YES MAX. 50LAKS YES MAX. 50LAKS NOT AVAIABLE YES MAX. 50LAKS YES MAX. 50LAKS TERM RIDER YES YES NOT AVAIABLE YES YES PWB N/A N/A NOT AVAIABLE N/A N/A CIR YES YES YES YES YES DATING BACK YES YES YES YES YES NOMINATION YES YES YES YES YES ASSIGNMENT YES YES YES YES YES SUICIDE WITHIN 1YR 80% REFUND OF PRM. 80% REFUND OF PRM. 90% REFUND OF PRM. 80% REFUND OF PRM. 80% REFUND OF PRM. RISK COMMENCES FROM DATE OF ACCEPTANCE FROM DATE OF ACCEPTANCE FROM 8 YRS OR 2 YRS WHICHEVER IS LATER FROM DATE OF ACCEPTANCE FROM DATE OF ACCEPTANCE MIN.PRM RS.300/RS.300/NO MIMIMUM PREMIUM RS.300/RS.300/AGE PROOFS STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III STD,NSAP I,II,III FEMALE CAT. CAT. I.II.III CAT. I.II.III CAT. I.II.III CAT. I.II.III CAT. I.II.III NMG/NMS ALLOWED ALLOWED ALLOWED ALLOWED ALLOWED LOAN 90% OF SV OF INFORCE POL. 90% OF SV OF INFORCE POL. AFTER 1YR ,TERM 15 YRS>55%, 90% OF SV OF INFORCE POL. 90% OF SV OF INFORCE POL. 80% OF PAID UP POL. 80% OF PAID UP POL. 16 TO 20 TRS>40%,21above30% 80% OF PAID UP POL. 80% OF PAID UP POL. FORECLOSURE NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN NO ACTION WILL BE TAKEN SSV AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS ANY TIME WIYHOUT LOYALITY DISCOUNTED VALUE OF AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS GSV AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS 1ST YR= 70%, THERE AFTER 90% 1ST YR70% & 90% THERE AFTER AVAILABLE AFTER 3YRS AVAILABLE AFTER 3YRS REVIVAL WITHIN 2 YRS WITHIN 2 YRS NIL N/A WITHIN 2 YRS WITHIN 2 YRS SURVIVAL BENEFITS NOT APPLICABLE NOT APPLICABLE 9YR>15% ON 3/6YR, 12YR>15% ON NO 20% OF BSA PAYABLE ON 15% OF BSA PAYABLE ON AVAILABLE 3/6/9YR, 15YR>15%ON3/6/9/12 YR 5TH/10TH/15TH YR 5TH/10TH/15TH & 20TH YR MATURITY S.A. BSA+ SRB+FAB BSA+ SRB+FAB SNG PRM.+ LA-TAX & EXTRA PRM SA+ SRB+FAB 40% OF BSA+ SRB+FAB 40% OF BSA+ SRB+FAB DEATH BENEFIT SA + SRB+FAB OR 10 TIMES OF SA ( 125% OF BSA)+ SRB+FAB 1ST5 YRS ONLY SUM ASSURED RETURN OF SNG. PRM. 125% OF BSA OR 10 TIMES OF 125% OF BSA OR 10 TIMES OF ANNULISED PRM. OR 10 TIMES ANNULISED PRM. AFTER 5 YRS >SA+ LA EXCLUDING TAX & EXTRA PRM. ANNULISED PRM. ANNULISED PRM. PROPOSAL FORMS 300 ,340 & 360 300 ,340 & 360 300 ,340 300 ,340 & 360 300 & 340 300 & 340 COOLING OFF AVAILABLE AVAILABLE AVAILABLE AVAILABLE AVAILABLE AVAILABLE AGENTS COMMISSION20%+BONUS COM.40%FYC 20%+BONUS COM.40%FYC 2% 2% 20%+BONUS COM.40%FYC 20%+BONUS COM.40%FYC CEIS REBATE 10% 10% 2% 2% 10% 10% SERVICE TAX 1ST YR 3.09% & 1ST YR 3.09% & 3.09% 3.09% 1ST YR 3.09% & 1ST YR 3.09% & SUBSEQUENT 1.545% SUBSEQUENT 1.545% SUBSEQUENT 1.545% SUBSEQUENT 1.545% TRAINING MATERIALS FOR AGENTS ONLY & NOT FOR PRIVATE CIRCULATION PREPARED BY: P.T.PATIL DOLIC HUBLI III DHARWAR DIVISION (9448133179)Email>ptpatil179@gmail.com