I want the best for my child. That s why, whether it s cricket, music, health or education, I always go to a specialist.
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- Monica McDonald
- 6 years ago
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1 Reliance Nippon Life Education Plan A non-linked, non-participating, child insurance plan I want e best for my child. That s why, wheer it s cricket, music, heal or education, I always go to a specialist. Reliance Nippon Life Education Plan You put all your effort in raising your children and want em to achieve 00% success in every challenge at life rows at em. You need a suitable financial plan at ensures you don t compromise on your goals for your child s future and provides you wi funds when you need em. Reliance Nippon Life Education Plan helps you save wi certainty and allows you to choose your payouts depending on your child s future needs. Wi Reliance Nippon Life Education Plan A specialist life insurance plan at gives you e flexibility to choose payouts as per your child s education needs, even if you are not around..? your Protect child s future even in your absence. Be 00% confident about your child s future. Allow your children to choose eir own destiny. Choose a specialist plan as per your child s future needs. Plan never to compromise on your child s development Key benefits Choose your benefit Payout Option Guarantee your child s future Self Starter: A single lump sum payout to fuel your child s ambition Receive guaranteed benefits at maturity of e policy, even in your absence. teed Guaran Post Graduation Degree: annual payouts for your child s post graduation degree Professional Degree: annual payouts for your child s professional degree Career Starter: annual payouts to fund your child s higher education and provide a career launch pad Protect your child s future even in your absence Choose between two Dea Benefit options: Option I - 00% of Dea Benefit as an immediate lump sum on dea Option II - 0% of Dea Benefit as a lump sum on dea and remaining as an income for e next 0 years On dea, all future premiums are waived and e plan benefits continue Enhance protection rough riders at a minimal cost Pay as you like Bb C BEST CORPORATE BRANDS reliancenipponlife.com reliancelife.com 06 Over Crore lives insured Over 8,000 outlets Top Most Trusted Life Insurance Brand 9.0% Claim Settlement Ratio Choose how long you want to pay, 7, 0 years or Regular Premium. Liquidity Avail loan facility to meet unforeseen needs. Tax benefits Avail tax benefits, as per e applicable Income Tax Laws.
2 How does e plan work? Let s take an example Rohan, aged 0 years, opts for Reliance Nippon Life Education Plan to start planning for his 0-mon old infant, Rahul. Rohan understands at his son, Rahul, needs a comprehensive education plan to take care of all education related such as initial admission, tuition fees in subsequent academic years and funds to cover after completion of education. This is how his future plan looks like Scenario II: In case of Rohan s unfortunate demise during e Policy, e Dea Benefit amount payable is `,8,7. Rohan opted for Dea Benefit Option II, hence is amount can be utilised to support his family in e following manner 0% of Dea Benefit as an immediate lump sum on Dea i.e. `,,7 Remaining Dea Benefit amount will be paid as an annual income for next 0 years, wi each installment equal to.9% of 0% of total Dea Benefit, i.e. `7,70 p.a. Rahul will also receive all policy benefits to complete his education as planned by his faer Pays an annual premium of `,000 p.a. (exclusive of taxes), assuming at he is in good heal Gets Base Sum Assured, accrued Guaranteed Additions and accrued Guaranteed Maturity Additions after end of e Policy Term as per e Payout Option selected Scenario I: Rohan, i.e. Life Assured, survives till maturity of e policy and his son, Rahul, attains an age of 8 years. Now, Rohan is prepared to fulfill his son s dream of studying in a reputed university for a year degree course. Wi Career Starter Benefit Payout Option, Rahul will receive e following amount to pay for his educational Maturity Benefits will be paid over a period of years as per e Payout Option selected by Rohan Maturity Benefits will be paid over a period of years as per e Payout Option selected by Rohan Dea Benefit R,9,9 for admission R,99,6 for tuition fees & relocation and future R,9,9 for admission & relocation R,99,6 for tuition fees and future R9,8 p.a. for tuition fees Lump sum paid on dea R,,7 Premium payment of R,000 p.a. for 7 years Regular Income for next 0 years R7,70 p.a. All future premiums are waived At Maturity R9,8 for tuition fees nd rd Premium payment of R,000 p.a. for 7 years At Maturity nd rd Policy Terms Policy Terms
3 Scenario III: In case of Rohan s unfortunate demise during e 7 Policy, Dea Benefit amount payable is `,8,7. Rohan opted for Dea Benefit Option II. Hence, is amount can be utilised to support his family in e following manner 0% of Dea Benefit as an immediate lump sum on Dea i.e. `,,7 Remaining Dea Benefit amount will be paid as an annual income for next 0 years, wi each installment equal to.9% of 0% of total Dea Benefit, i.e. `7,70 p.a. Rahul will also receive all policy benefits to complete his education as planned by his faer Plan at a glance Maturity Benefits will be paid over a period of years as per e Payout Option selected by Rohan Note: All e reference to age is based on age last birday. To be eligible for is policy, e Policyholder must have a child aged between 0 to 8 years at inception of is policy and e maximum age at maturity for e child is 0 years. Benefits in detail R,9,9 for admission & relocation R9,8 p.a. for tuition fees R,99,6 for tuition fees and future Maturity Benefit At e end of e Policy Term, irrespective of your survival, Guaranteed Maturity Benefit (GMB) will be payable based on e Payout Option selected at inception of e policy. GMB = BSA + Sum of GAs + Guaranteed Maturity Additions (GMA) Base Sum Assured (BSA) At Maturity nd rd BSA is e minimum benefit amount as opted at e inception of e policy. Guaranteed Addition (GA) Dea Benefit GA of % of e Base Sum Assured will be accrued to your Policy at e end of each Policy till e end of e Policy Term, provided e Policy is in-force. Premium payment of R,000 p.a. for 7 years Lump sum paid on dea R,,7 Regular Income paid on dea, starting from 7 year, for next 0 years `7,70 p.a. Guaranteed Maturity Addition (GMA) GMA is payable on maturity of e policy provided e Policy is in-force. GMA is defined as GMA = % x BSA x Policy Term
4 Payout Options Based on your child s future education goal, you can choose one of e following Payout Options at inception of e policy as mentioned below. Once selected, e Payout Option cannot be modified. The Sum Assured on Dea is as explained below: *AP is Annualised Premium and is defined in later part of is brochure. Oer features T&C9 BSA = Base Sum Assured; MDF = Maturity Deferment Factor Dea Benefit Primary purpose of is plan is to fund for your child s future education. In e event of your unfortunate demise, provided e Policy is in-force, immediate lump sum benefits will be paid to e nominee as per e Dea Benefit Option selected at e inception of e policy, payment of future premiums will cease immediately and all benefits under e plan will continue to be paid, as per e Payout Option selected. Dea Benefit Payout Options At inception of e policy, you are required to select one of e following Dea Benefit Payout options i. Option I 00% of Dea Benefit amount is paid immediately, to e nominee, on dea of e Life Assured ii. Option II 0% of total Dea Benefit amount is paid immediately on dea and e balance amount is paid yearly in equal installments over e period of next 0 years starting from e date of dea. Each installment is equal to.9% of e 0% of total Dea Benefit amount. The factor of.9% is calculated at interest rate of 6.% p.a. Dea Benefit Amount On dea of Life Assured during e Policy Term, provided e Policy is in-force as on e date of dea, e nominee shall be entitled to e Dea Benefit amount. Dea Benefit amount is higher of e Sum Assured on Dea or 0% of e premiums paid (excluding e underwriting premiums as on date of dea). Loan T&C Loan will be available under e policy for up to 80% of e Surrender Value under e Base Plan. The interest on loan is payable at e prevailing rate of interest. The current rate of interest on policy loans is 0.0% p.a. and is subject to change from time to time depending on e economic environment, experience and oer factors, subject to e approval from e Regulator, i.e. IRDA of India. Riders To safeguard yourself and your family members against certain unfortunate events, we offer e following riders wi is plan at a nominal cost.. Reliance Nippon Life Term Life Insurance Benefit Rider (UIN: B009V0) Provides an additional Dea Benefit depending on e Sum Assured selected under e rider.. Reliance Nippon Life Major Surgical Benefit Rider (UIN: B0V0) Provides a lump sum amount to cover surgical from a list of surgeries including open heart surgery, kidney transplant, cornea transplantation, transplant of lungs and many more.. Reliance Nippon Life Critical Conditions () Rider (UIN: B0V0) Provides a lump sum amount to take care of critical conditions including cancer, heart attack, paralysis, major organ transplant and many more.. Reliance Nippon Life Family Income Benefit Rider (UIN: B0V0) Provides a monly benefit of % of Sum Assured every mon (i.e.% per annum). The benefit is payable from e date of dea till e end of e rider Policy Term or 0 years whichever is later, in e event of dea/total and permanent disablement due to accident or sickness, before e maturity of e policy.. Reliance Nippon Life Accidental Dea Benefit and Total and Permanent Disablement Rider (Regular Premium) (UIN: B00V0) Provides an additional dea/disability benefit if dea/disability occurs directly as a result of an accident. Also, e waiver of premium benefit under e rider continues in e plan in case of disability. 6. Reliance Nippon Life Accidental Dea Benefit and Total and Permanent Disablement Rider (Limited Premium) (UIN: B00V0) Provides an additional dea/disability benefit if dea/disability occurs directly as a result of an accident. Also, e waiver of premium benefit under e rider continues in e plan in case of disability. For furer details on all e conditions, exclusions related to e insurance riders, please read e rider terms and conditions and rider sales brochure carefully or contact our insurance advisor. Flexible Premium Payment Modes You have an option to pay premiums eier ly, Half-yearly, Quarterly or Monly modes. Quarterly and monly modes are allowed only if e premiums are paid electronically. For monly mode, first two mons premiums will be collected in advance at e time of issuance of e Policy. 6
5 Loading on premium will be applicable as per e table below: Indicative Premium Rates Sample premium rates per `000 of Sum Assured for a healy male are as below: 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 declared by us from time to time. The current rate of interest is 9% p.a. and is subject to change from time to time, depending on e economic environment, experience and oer factors. 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 test, financial underwriting etc. (T&C) Terms and Conditions Grace Period for Payment of Premiums If you are unable to pay e due premium by e due date, you will be given a grace period of 0 days ( 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 The policy shall acquire a Surrender Value on payment of At least two full years premium if e premium payment term is less an 0 years At least ree full years premium if e premium payment term is 0 years or more 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. 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 All Rider benefits will cease immediately once e policy acquires Paid-up status. The policy will be terminated once e benefit is paid i.e., on surrender or at maturity. Surrender If your Policy has acquired a Surrender Value 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. The details of GSV Factors and SSV Factors are provided in e Policy Document. The policy will be terminated once it is surrendered and cannot be reinstated.. Alterations The Sum Assured, Policy Term, premium payment term, Maturity Benefit Payout Option and Dea Benefit Payout Option cannot be altered after commencement of e policy.. Loan For Paid-up policies, if at any time during e term of e policy, e sum of loan outstanding and interest on loan outstanding exceeds e 9% of Surrender Value at at time; e policy will be terminated by recovering e loan outstanding 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.. Tax Benefit Premiums paid under Reliance Nippon Life Education Plan and rider(s) opted, 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. Kindly consult a tax expert.. Service Tax The Service Tax and applicable cess 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.. 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, e meod of collection of ese taxes shall be informed to e policyholders under such circumstances. 6. Suicide Exclusion In case of dea due to suicide wiin mons from e date of commencement of risk under e policy 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 riders (entry age, Policy Term, premium payment term and Sum Assured) are satisfied. These rider benefits can be selected on commencement of e 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 0% of e premiums paid under e Base Plan. The 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 lapsed, surrendered or forfeited. 7 8
6 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 hazardous occupation 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. Maturity Deferment Factors (MDF) The MDF depend on e Policy Term and Payout Option selected at inception of e Policy. MDF are calculated at 6.% p.a., are as follows. Nomination Nomination is allowed as per Section 9 of e Insurance Act, 98, as amended from time to time. It is advisable to make your child e nominee under is policy.. Assignment and Transfer Assignment is allowed under is plan as per Section 8 of e Insurance Act, 98, as amended from time to time.. Section of e Insurance Act, 98, as amended from time to time () 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. () 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. 0. 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 days (applicable for all distribution channels except for Distance Marketing* channel, which will have 0 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 incurred by e Company on medical examination, if any, 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 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. For furer details on all e conditions, exclusions related to Reliance Nippon Life Education Plan, please contact our insurance advisors. 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. Since inception. Includes agent offices and premium collection outlets. Voted as one of e Most Trusted Brands in e Life Insurance category according to Brand Equity s Most Trusted Brands Survey, 0. The claim settlement ratio of 9.0% for e FY 0-6 is arrived at as a percentage of e total number of claims settled and total number of claim decisioned by e Company during e year. **Voted as one of e top corporate brands according to The Economic Times Best Corporate Brands Survey, 0. Beware of spurious phone calls and fictitious/fraudulent offers. IRDAI clarifies to public at. IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along wi details of phone call, number. Reliance Nippon Life Insurance Company Limited (formerly known as Reliance Life Insurance Company Limited) (IRDAI Registration No. ) Registered Office st H Block, Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai, Maharashtra , India. Corporate Office Reliance Centre, Off Western Express Highway, Santacruz East, Mumbai Fax No Call us: (0) 0 88 (Local call charges apply) or (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: U6600MH00PLC UIN for Reliance Nippon Life Education Plan: N06V0 Mktg/EP Brochure/V/English/September 06. 9
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