As he grows to live his life on his own terms, he will get my guidance, encouragement and my financial support.
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- Jesse Summers
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1 Reliance Nippon Life Lifelong Savings A non-linked, participating, endowment plus whole life insurance plan We all work towards financial milestones like buying a house, securing our children s education, going on a dream vacation and living comfortably after retirement. These are critical milestones, achievable wi a sound financial plan. Most importantly, we want to ensure at our families get all ese benefits during our lifetime and also, when we are not around. Presenting, Reliance Nippon Life Lifelong Savings a non-linked, participating endowment assurance plan wi savings and whole life cover benefits at can be tailor-made to suit your needs. Wi Reliance Nippon Life Lifelong Savings Create a legacy for your family Save for your child s education Save for your retirement 1 Choose to stay protected for whole life Enhance your savings rough bonus additions^ Key benefits Flexible Cover Options Standard: Get a lump sum amount on maturity and a life cover during e Policy Term Extended Cover» Get a lump sum amount on maturity and a life cover during e Policy Term» Get an extended life cover for whole of life after e Policy Term As he grows to live his life on his own terms, he will get my guidance, encouragement and my financial support. Reliance Nippon Life Lifelong Savings A non-linked, participating, endowment plus whole life insurance plan at helps you save during your lifetime and can provide your family wi a whole life cover in e event of your unfortunate demise. Savings wi e comfort of guarantees At e end of e Policy Term, receive Accrued Guaranteed Additions: 4% of Base Sum Assured during e first five Policy Years Guaranteed Benefit: Sum of Base Sum Assured and Accrued Guaranteed Additions : Enhance your guaranteed savings rough simple reversionary bonuses^ at accrue every year during e Policy Term starting from 6 Policy Year, along wi a terminal bonus, if any Pay as you like Choose how long you want to pay: For 10 years (Limited Pay) or e entire Policy Term (Regular Pay) Choose your premium payment frequency: Yearly, Half-yearly, Quarterly or Monly Liquidity Loan facility is available during e Policy Term to meet unforeseen needs. Tax benefits Avail tax benefits on e premiums paid and benefits received, as per applicable Income Tax Laws. Provided e policy is in-force and all due premiums are paid.^simple Reversionary bonus will accrue every year starting from e 6 Policy Year till e end of e Policy Term, provided policy is in force. The bonuses declared may differ between Limited 1 Pay and Regular Pay options. Under Extended Cover Option only.
2 How does e plan work? Let s take an example Example 1: Standard Option Raman, aged 35 years, aims to save for his child s higher education and to protect his family during his earning years. He opts for Reliance Nippon Life Lifelong Savings, and Selects e Standard Cover Option wi Policy Term of 15 years and Base Sum Assured of `3,00,000 Pays an annual premium of `23,823 p.a. (exclusive of taxes) for e entire term of 15 years (Regular Pay), assuming at he is in good heal Guaranteed Additions of `12,000 p.a. accrue in e Policy during first five Policy Years i.e. a total of `60,000 Guaranteed Benefit which is equal to Base Sum Assured and all Guaranteed Additions payable will be `3,60,000 The maturity payouts are enhanced rough Simple Reversionary and Terminal Bonus, if any Scenario I: If Raman, i.e. e Life Assured, survives till e end of e Policy Term, he receives Scenario II: In case of unfortunate demise of Raman at e end of 10 Policy Year The values shown in Scenario II above are for illustration purpose only, based on assumed investment returns of 8% and 4%. These are not guaranteed returns and are not e upper or lower limit of what one might get in is policy. Example 2: Extended Cover Option Ravi, aged 30 years, wants to save for his old age while also creating a legacy for his family. He opts for Reliance Nippon Life Lifelong Savings, and Selects e Extended Cover Option, Policy Term of 20 years and Base Sum Assured of `5,00,000 Pays an annual premium of `33,335 p.a. (exclusive of taxes) for e entire term of 20 years (Regular Pay), assuming at he is in a good heal Guaranteed Additions of `20,000 p.a. accrue in e Policy during first five Policy Years i.e. a total of `1,00,000 Guaranteed Benefit which is equal to Base Sum Assured and all Guaranteed Additions payable will be `6,00,000 The maturity payouts are enhanced rough Simple Reversionary and Terminal Bonus, if any Gets a life cover even after e Policy Term i.e. during e extended period, equal to e higher of e Base Sum Assured or 105% of e Annualised Premiums paid as on e date of dea Scenario I: If Ravi, i.e. e Life Assured, survives till at e end of e Policy Term, he receives Terminal Bonus, if any Vested Reversionary Guaranteed Additions 4% of Base Sum Assured during first 5 years Reversionary accrue from 6 Policy Year onwards Accrued Guaranteed Additions Base Sum Assured Guaranteed Benefit Terminal Bonus, if any Vested Reversionary Year Guaranteed Additions 4% of Sum Assured during first 5 years Reversionary accrue from 6 Policy Year onwards Accrued Guaranteed Additions Sum Assured The values shown in above Scenarios are for illustration purpose only. If your policy offers guaranteed returns, en ese will be clearly marked guaranteed in e Benefit Illustration. Since your policy offers variable returns, e given illustration shows different rates of assumed future investment return based on assumed investment returns of 8% and 4%. These are not guaranteed returns and are not e upper or lower limit of what one might get in is policy. The maturity benefit of your policy is dependent on a number of factors, including future performance.provided e policy is in-force and all due premiums are paid. Year Dea benefit and Surrender benefit continues for whole of life The values shown in above Scenarios are for illustration purpose only. If your policy offers guaranteed returns, en ese will be clearly marked "guaranteed" in e Benefit Illustration. Since your policy offers variable returns, e given illustration shows different rates of assumed future investment return based on assumed investment returns of 8% and 4%. These are not guaranteed returns and are not e upper or lower limit of what one might get in is policy. The maturity benefit of your policy is dependent on a number of factors, including future performance. Provided e policy is in-force and all due premiums are paid. Page 1 Page 2
3 Scenario II: Dea during e Policy Term: In case of unfortunate demise of Ravi at e end of e 11 Policy Year (at age 40 years), The values shown in Scenario II above are for illustration purpose only, based on assumed investment returns of 8% and 4%. These are not guaranteed returns and are not e upper or lower limit of what one might get in is policy. Dea after e Policy Term: In case of an unfortunate demise of Ravi in e 70 Policy Year (at age 100 years), e nominee shall receive e lump sum dea benefit of `7,00,035, which is higher of e Base Sum Assured and 105% of total Annualised Premiums paid as on e date of dea. This amount is in addition to e Benefit which was given to Ravi at e end of e 20 Policy Year. Guaranteed Additions 4% of Sum Assured during first 5 years Reversionary accrue from 6 Policy Year onwards Year Provided e policy is in-force and all due premiums are paid. Reliance Nippon Life Lifelong Savings at a glance Terminal Bonus, if any Vested Reversionary Accrued Guaranteed Additions Base Sum Assured Dea Benefit during e extended Period 70 Benefits in detail Cover Options Based on your future goals, at inception of e Policy, you can choose between e following two Cover Options.» Standard: Get lump sum amount on Policy maturity and life cover during e Policy Term» Extended Cover i. Get lump sum amount on policy maturity and a life cover during e Policy Term ii. Get an extended life cover for whole of life after e Policy Term Guaranteed Additions Guaranteed Additions will accrue at 4% p.a. of e Base Sum Assured at e end of each Policy Year, during first five Policy Years, subject to all due premiums being paid and e Policy being in-force till at point in time. Simple Reversionary bonus will accrue every year, starting from e 6 Policy Year till e end of Policy Term, provided e Policy is in-force. For all Policy Terms, Terminal Bonus, if any, will be payable on dea or maturity from e 9 Policy Year onwards provided Policy is in-force. Terminal Bonus will be declared as a percentage of e Vested Reversionary Bonus. Benefit On survival of e Life Assured till e end of e Policy Term, provided e Policy is in-force, Policyholder will receive e following Benefit» Guaranteed Benefit, plus» Vested Reversionary and Terminal Bonus, if any Where, e Guaranteed Benefit is Base Sum Assured plus Accrued Guaranteed Additions. Under e Standard Option policy terminates at e end of Policy Term on payment of maturity benefit. Under Extended Cover Option maturity benefit is payable at e end of e Policy Term and dea cover continues even after expiry of e Policy Term till dea. During is extended period i.e. e period after Policy Term, no maturity benefit shall be payable. Dea Benefit In e event of an unfortunate demise of e Life Assured, provided e Policy is in-force as on e date of dea and all due premiums have been paid, e claimant(s) shall receive following benefits based on e Cover Option selected at inception of e Policy.» During e Policy Term (For bo Cover Options) The Dea Benefit is equal to Sum Assured on Dea plus Vested Reversionary Bonus plus Terminal Bonus, if any. This Dea Benefit is subject to a minimum of 105% of e premiums paid (excluding extra premiums) as on e date of dea. Where, Sum Assured on Dea is e highest of A, B or C as mentioned below: Note: All e references to age are based on age last birday. Page 3 Page 4
4 Flexible Premium Payment Modes You have an option to pay premiums eier Yearly, Half-yearly, Quarterly or Monly. Quarterly and monly modes are allowed only if e premiums are paid electronically, such as ECS. For monly mode, e first two mons premiums will be collected in advance at e time of issuance of e Policy. Loading on premium will be applicable as per e table below:» After e Policy Term (Applicable only for Extended Cover Option) The Dea Benefit is equal to e Base Sum Assured. This Dea Benefit is subject to a minimum of 105% of e premiums paid (excluding extra premiums) as on e date of dea. The Policy will terminate after payment of e Dea Benefit. Oer features Loan You may take a loan against your Policy once it has acquired a Surrender Value. The maximum loan T&C2 at can be availed is 80% of e Surrender Value under e Base Plan. The interest on loans will be charged at market related rates set by e Company from time to time. Please contact us to know e prevailing rate of interest on loans. Riders To safeguard yourself and your family members against certain unfortunate events, we offer e following riders wi is plan at a nominal cost. 1. Reliance Nippon Life Term Life Insurance Benefit Rider (UIN: 121B009V02) additional Dea Benefit depending on e Sum Assured selected under e rider Provides an 2. Reliance Nippon Life Major Surgical Benefit Rider (UIN: 121B014V02) Provides a lump sum amount to cover surgical expenses from a list of 33 surgeries including open heart surgery, kidney transplant, cornea transplantation, transplant of lungs and many more 3. Reliance Nippon Life Critical Conditions (25) Rider (UIN: 121B012V02) Provides a lump sum amount to take care of 25 critical conditions including cancer, heart attack, paralysis, major organ transplant and many more 4. Reliance Nippon Life Family Income Benefit Rider (UIN: 121B015V02) Provides a monly benefit of 1% of Sum Assured every mon (i.e.12% per annum). The benefit is payable from e date of dea till e end of e rider Policy Term or 10 years whichever is later, in e event of dea/total and permanent disablement due to accident or sickness, before e maturity of e Policy. 5. Reliance Nippon Life Accidental Dea Benefit Rider: (UIN:121B032V01): Provides a lump sum equal to e rider sum assured in case of dea due to accident of life assured. 6. Reliance Nippon Life Accidental Dea and Disability Rider: (UIN:121B017V01): Provides a lump sum equal to e rider sum assured in case of dea due to accident of life assured. In case of total and permanent disability, an amount equal to e rider sum assured shall be payable in equal annual installments in certain over e 10 years under is policy. 7. Reliance Nippon Life Accidental Dea and Disability Plus Rider: (UIN:121B016V01): Provides a lump sum equal to e rider sum assured in case of dea due to accident of life assured. In case of total and permanent disability, an amount equal to e rider sum assured shall be payable in equal annual installments in certain over e 10 years under is policy along wi waiver of future premiums under e base plan. For furer details on all e conditions, exclusions related to e insurance rider, please read e rider terms and conditions and rider sales brochure carefully or contact your insurance advisor. Indicative Premium Rates (Per 1000 Base Sum Assured) Sample premium rates per `1000 of Base Sum Assured for a healy male opting for Regular Pay option, are as below: High Sum Assured Discount High Sum Assured discount will be applicable as given below: Grace Period for Payment of Premiums If you are unable to pay your premium by e due date, you will be given a grace period of 30 days (15 days for monly mode). During e grace period e Policy shall continue to remain in-force along wi all benefits under is Policy and claim, if any, shall be payable subject to deduction of e unpaid due premium. Premium Discontinuance Policy shall acquire Surrender Value if at least ree Annualised Premiums have been paid in full. If you discontinue e payment of premiums before your Policy has acquired a Surrender Value, your Policy will lapse at e end of e grace period and e Dea Benefit and rider benefits, if any, will cease immediately and no benefits will be paid when e Policy is in a lapsed status. If e Policy has acquired a Surrender Value and no future premiums are paid, you may choose to continue your Policy on Paid-up basis. Kindly refer to e rider terms and conditions for treatment of riders. Page 5 Page 6
5 On your Policy becoming Paid-up, e benefits under e plan will be reduced as given below: # Paid-up Factor = Number of premiums paid / Total number of premiums payable No furer bonuses shall accrue to e policy once e policy acquires paid-up status. Surrender If your Policy has acquired a Surrender Value, as explained in e premium discontinuance section, and you choose to discontinue your Policy, you will be entitled to e Surrender Value, which is higher of e Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV) of e policy. In case of Extended Cover Option, Surrender facility is available even after e Policy Term. The policy will be terminated once it is surrendered and cannot be reinstated. Revival You can revive your lapsed/paid-up policy and e riders for its full coverage wiin two years from e due date of e first unpaid premium but before Policy maturity, by paying all outstanding premiums togeer wi e interest, as applicable. The interest for revival of e Policy will be charged at market related rates set by e Company from time to time. Please contact us to know e prevailing rate for revival of policies. Revival of e policy and riders, if any, is subject to e Board approved underwriting policy, i.e. e Life Assured may have to undergo medical tests, financial underwriting, etc. (T&C) Terms and Conditions 1. Alterations The Base Sum Assured, Cover Option, premium payment term and Policy Term cannot be altered after commencement of e policy. 2. Loan For Paid-up policies, if at any time during e term of e Policy, e sum of loan outstanding and unpaid interest on loan outstanding exceeds e Surrender Value; e Policy will be terminated by recovering e loan outstanding amount and unpaid interest amount from e Surrender Value. Before payment of any benefit (dea, maturity or surrender) to e policyholder for a Policy against which loan is availed of, e loan outstanding and e interest on loan outstanding will be recovered first and e balance, if any, will be paid to e policyholder or nominee, as applicable. No in-force or fully Paid-up Policy shall be foreclosed due to non-payment of loan installments. 3. Tax Benefit Premiums paid under Reliance Nippon Life Lifelong Savings and rider(s) opted for, if any, are eligible for tax exemptions, subject to e applicable tax laws and conditions. Income Tax benefits under is plan and rider benefits shall be applicable as per e prevailing Income Tax Laws and are subject to amendments from time to time. As per e Finance Act 2012, all policies issued from April 1, 2012 wi e dea benefit at any time is less an 10 times premium will not be eligible for tax benefit under Section 10(10D) of e Income Tax act. Furer tax benefit u/s 80C for such Policy will be limited only up to 10% of e Sum Assured on Dea. Kindly consult a tax expert. 4. Goods and Service Tax The Goods and Service Tax (GST) and cess, if any will be charged over and above e base premium and rider(s) premium, if any, as per e applicable rates declared by e Government from time to time. 5. Taxes levied by e Government in future In future, e Company shall pass on any additional taxes levied by e Government or any statutory auority to e Policyholder. The meod of collection of ese taxes shall be informed to policyholders under such circumstances. 6. Suicide Exclusion In case of dea due to suicide wiin 12 mons from e date of commencement of risk or from e date of revival of e policy, e nominee/claimant of e policyholder shall be entitled to 80% of e premiums paid or Surrender Value as on e date of dea, whichever is higher. 7. Riders You can opt for rider(s) only during e premium payment term on payment of additional premium over and above e base premium provided e conditions on rider(s) (entry age, Policy Term, premium payment term, Sum Assure se rider benefits can be selected on commencement of e Page 7 Page 8
6 policy or on any policy anniversary during e premium payment term. The rider Sum Assured cannot be higher an e Sum Assured on Dea under e Base Plan. The sum of rider premiums should not exceed 30% of e premiums paid under e Base Plan. The rider premium payment term cannot be more an e premium payment term of e Base Plan if taken at e outset, or will be less an or equal to e outstanding premium payment term of e Base Plan, if taken subsequently and e frequency of rider premiums will be same as frequency of premiums under Base Plan. The attached rider(s) terminate immediately when e Base Plan is surrendered or forfeited. 8. Annualised Premium The Annualised Premium is e amount payable in a year wi respect to e Base Sum Assured chosen by you under e Base Plan, excluding e underwriting extra premiums and loading for premiums, if any and taxes and/or levies. Mode of premium payment can be changed only on e policy anniversary. Substandard lives wi medical conditions or oer impairments will be charged appropriate additional premiums in accordance wi e Board approved underwriting policy of e Company. For heavy smokers, Company may charge appropriate additional premiums in accordance wi e Board approved underwriting policy of e Company. 9. Free Look Period In e event, you disagree wi any of e terms and conditions of is policy, you may cancel is policy by returning e policy document to e Company wiin 15 days (applicable for all distribution channels except for Distance Marketing channel, which will have 30 days) of receiving it, subject to stating your objections. The Company will refund e premiums paid by you less a deduction of e proportionate risk premium for e time at e Company has provided you life cover up to e date of cancellation and for e expenses incurred by e Company on medical examination and stamp duty charges. Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products rough e following modes: i. Voice mode, which includes telephone-calling ii. Short Messaging Services (SMS) iii. Electronic mode which includes , internet and interactive television (DTH) iv. Physical mode which includes direct postal mail and newspaper and magazine inserts and v. Solicitation rough any means of communication oer an in person 10. Nomination Nomination is allowed as per Section 39 of e Insurance Act, 1938, as amended from time to time. 11. Assignment and Transfer Assignment is allowed under is plan as per Section 38 of e Insurance Act, 1938, as amended from time to time. 12. Section 41 of e Insurance Act, 1938, as amended from time to time (1) No person shall allow or offer to allow, eier directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of e whole or part of e commission payable or any rebate of e premium shown on e Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance wi e published prospectuses or tables of e insurer. (2) Any person making default in complying wi e provisions of is section shall be liable for a penalty which may extend to ten lakh rupees. + Conditions apply. Tax laws are subject to change, consulting a tax expert is advisable. This product brochure gives only e salient features of e plan and it is only indicative of terms, conditions, warranties and exceptions. This brochure should be read in conjunction wi e benefit illustration and policy exclusions. Please refer to e policy document and detailed benefit illustration. In e event of conflict, if any, between e terms and conditions contained in e brochure and ose contained in e policy document, e terms and conditions contained in e policy document shall prevail.for furer details on all e conditions, exclusions related to Reliance Nippon Life Lifelong Savings, please contact our insurance advisors. Tax laws are subject to change, consulting a tax expert is advisable.trade logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited & Nippon Life Insurance Company and used by Reliance Nippon Life Insurance Company Limited under license. Beware of spurious/fraud phone calls: IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. Reliance Nippon Life Insurance Company Limited.(IRDAI Registration No. 121) Registered Office st H Block, 1 Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai, Maharashtra , India. Corporate Office Reliance Centre, Off Western Express Highway, Santacruz East, Mumbai Board: I Fax No Call us: (Toll Free) between 9 am to 6 pm from Monday to Saturday. us rnlife.customerservice@relianceada.com Visit us Like us on Facebook Follow us on CIN: U66010MH2001PLC UIN for Reliance Nippon Life Lifelong Savings: 121N110V01 Mktg/LS Brochure/V4/Eng/July Page 9
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