Features & Conditions: Underwriting Rules: Maturity Benefit
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1 PLAN 835 LIC s NEW ENDOWMENT PLUS (Cir: PD/74 Dtd 14/08/2015, U&R/126 Dtd 14/08/2015, Launch Date: 19/08/2015) DETAILS: This is a regular premium Unit Linked Assurance Plan, which offers investment-cuminsurance. Policyholder can choose the amount of premium one desires to pay, depending on premium paid policyholder will get the equivalent level of risk cover. DATE OF COMMENCEMENT OF RISK: For age at entry less than 8 years LBD : One day before completion of 2 years from DOC or one day before Policy Anniversary after completion of age of 8 years LBD, whichever is earlier. For age at entry 8 years LBD or more: Risk will commence immediately. DEATH BENEFIT: Before Date of Commencement of Risk: Value After Date of Commencement of Risk : Basic SA or Value whichever is higher. Basic SA = 10 x annualized Premium or 105% of total premiums paid whichever is higher. MATURITY BENEFIT: Value Investment Options: Bond, Secured, Balanced and Growth Example: Age- 35, Term - 20 years, Yearly Premium: ` 20000, Growth Entry Maturity at Age 35 In case of Death Age 55 During 5 th Year = Value = ` 8,06, Gross Interest Death Benefit Basic S.A : 10 x ` = ` 2,00, % of Total Basic Premiums Paid : `20,000 x 5 x 1.05 = ` 1,05,000 Value : ` Gross Interest Higher of above ` 2,00,000 will be paid as Natural Death Benefit UIN No: 512L301V01 Maturity Benefit In case of Accidental Death (If opted for Accident Rider): Additional Basic SA `2,00,000 will be paid along with Natural Death Benefit. Total: `2,00,000 + `2,00,000= `4,00,000 Features & Conditions: Minimum age at entry : 90 days Maximum age at entry : 50 years nbd Minimum Maturity age: 18 years lbd Maximum Maturity age : 60 years nbd Policy term : 10 to 20 years Minimum Premium : Yly - ` 20,000, Hly- ` 13,000, Qly- ` 8,000, Mly ECS - ` 3,000 a nd in multiple of ` 250 for Mly ECS and in multiple of ` 1,000 for other modes. Maximum Premium : No limit Available Riders: LIC s Linked Accident Benefit Rider. Maximum ` 1 Crore under all plans. Mode of Payment: Yearly, Half Yly, Qly & Mly ECS only. Rebates: Nil Policy Loan: Not Available Partial Withdrawal/Surrender/Paid up : Allowed After 5 years. Revivals: Within 2 years of FUP. Maturity Settlement option: Allowed for 5 yearly or 10 Half yearly instalments. Back Dating: Not Allowed. Proposal Form: Separate form. Service Tax: 14% on all applicable Charges. Tax Benefits : On Basic Premiums Maturity/Death claim : u/s 80C : u/s 10(10D) Underwriting Rules: Non -Medical Schemes: All Allowed. Non-Standard Age Proofs: All Allowed. Female Lives : All Allowed. Pregnant ladies: Cat I & II only up to 24 weeks of pregnancy. Minor lives/major Students: Max rated up S.A. inclusive of all plans `1crore & Standard Minor lives only. S.A. beyond `1crore/substandard minor lives at CUS only with MM s recommendation. Sub-Standard Major lives: Age at Entry EMR Class Allowed Upto age 40 Upto Class X Age 41 to 45 Upto Class VIII Age 46 to 50 Upto Class II Physically Handicapped lives should be gainfully employed. Occupation/Residence Extra: Standard extra is to be charged. Max Permissible Extra: `15 upto age 45 and `4 for age 46 and above. Actual Sum Assured (ASA) for SUC: For FMR, Special Reports, MHR & TRSA: Basic S.A. only. Keyman/Partnership/Empl-Employee: Allowed only under Employer-Employee NRIs & FNIOs Residence Group: Group I & II: Not Allowed. Group III to VI: Allowed with extra. Group VII: Allowed without extra. Juvenile lives, House wives and NMS Scheme: Group V, VI and VII only. Mail Order: Only NRIs of Group III to VII.
2 Other Features: 1. Investment Pattern of four fund types: Type Bond Secured Balanced Growth Govt. Securities than 60% than 45% than 30% than 20% Short Term Money Market Listed Equity Shares Nil than 55% but minimum 15% than 70% but minimum 30% than 80% but minimum 40% Discontinued Policy fund: Investment Pattern will be as under: Money Market Instruments : 0% to 40% Govt. securities : 60% to 100% Risk associated with Low Risk Low to Medium Risk Medium Risk High Risk 2. Linked Accident Benefit Rider: Available after age 18, Maximum up to Sum assured under Basic plan with overall limit of `100 lakhs including all other policies. This benefit is available till maturity of policy. Charges `0.40 per 1000 S.A. For any police organization other than paramilitary forces and opts for this cover while on duty charges will be `0.40 per 1000 S.A. 3. Premium waiver benefit (PWB): Not Allowed 4. Switching: Policyholder can switch between any fund types during policy term. On switching the entire amount is switched to the new fund opted for. There is no restriction on number of switches between any fund types during the policy term. Within a given policy year 4 switches are free, subsequently Rs- 100/- per switch will be charged. The switching will be as per NAV of respective funds after deducting the switching charges if any. If application is received upto 3.00pm then the closing NAV of same day will be applicable, after 3.00pm closing NAV of next business day will be applicable. 5. Top Ups: Not Allowed 6. Increase/ Decrease in benefits: No increase/decrease of benefits will be allowed. Under inforce policy, policyholder can cancel Linked accident benefit rider any time. However once rider is cancelled, the same cannot be subsequently restored. 8. Partial Withdrawals : Allowed after 5 years from DOC provided all due premiums have been paid, subject to following conditions: Allowed to minors after completion of age 18. Partial withdrawal may be in form of fixed amount or fixed number of units. Partial withdrawal charge of ` 100 will be deducted from fund value. For 2 years from date of partial withdrawal the Basic SA or Paid up SA, shall be reduced to that extent. Partial withdrawal will be allowed subject to minimum balance of: From 6 th to 10 th policy year : 3 annualized premiums or 50% of Value whichever is higher. From 11 th to 20 th policy year : 3 annualized premiums or 25% of Value whichever is higher. 9. Settlement Option: Policyholder has to exercise the option one month prior to Maturity to receive the Maturity proceeds in instalments spread over the period of five years from date of maturity in Regular yearly or half yearly instalments. 1 st instalment will be paid on date of Maturity. The total no of units as on date of maturity will be divided by no of instalments ( 5 for yearly and 10 for Half yearly) and paid as per NAV as on date of instalment payment. type will be as per existing fund on date of Maturity. During the settlement period there will be no life cover, Switching and partial withdrawal also will not be allowed. So only FMC will be deducted. In case of death value of outstanding units will be paid to the nominee in lumpsum. 10. Conversion into Paid-up Policy: Policyholder has the option to convert the policy into paid-up after lock in period of 5 years. The Basic SA will be reduced according to premiums paid= Basic Sum Assured x No. of Premiums Paid/ No. of premiums payable. In case of death higher of Paid-up SA or fund value shall be payable. Mortality Charges will be deducted on difference between Paid-up SA and Value. On maturity/surrender balance fund value shall be payable. No Accident Rider cover shall be available under paid-up policy. 11. Compulsory Termination: After payment of 5 years premiums, if balance in fund is not sufficient to recover relevant charges, the policy shall be compulsorily terminated and balance if any shall be refunded to policyholder.
3 Following charges will be deducted from Unit Account 1. Allocation Charges: The following allocation charges will be applied to premiums to buy units for the fund type chosen: First year 2 nd to 5th year 6 th year onwards 7.50% 5.00% 3.00% 2. Mortality Charges: Life cover charges will be taken at the beginning of each policy month from fund value. The monthly charges will be one twelfth of annual mortality charges. It will be charged only on difference between Basic SA/Paid up SA and fund value of units as on date of deduction. If fund value is more than no charges will be deducted. Mortality charges will be as per age nearer birthday of policyholder on the policy anniversary. Same will increase every year. 3. Linked Accident benefit Charges: Will be deducted at beginning of each policy month by cancelling appropriate number of units from fund value. Monthly charges will be one twelfth of annual charges. 4. Other Charges: a. Policy Administration charges: Will be deducted at beginning of each policy month by cancelling appropriate number of units from fund value. Charges per month for inforce policies will be: Policy Year Charges Per Month 1 st Year (0.35% x Instalment Prem x K) OR ` 100 whichever is lower. 2 nd Year (0.25% x Instalment Prem x K) OR ` 70 whichever is lower. 3 rd Year 2 nd year charge x th Year 3 rd year charge x th Year 4 th year charge x th Year onwards ` in 6 th year escalating at 3% p.a. thereafter Value of K will be as per mode of Payment as given below: Yearly 1.00, Half Yearly 1.60 Quarterly 2.60, Monthly 7.00 b. Management Charges ( FMC): Will be charged at the time of computation of NAV on daily basis. NAV declared will be net of FMC. 0.70% p.a. of Unit under inforce policy for all four types of fund. 0.50% p.a. of Unit for Discontinued Policy. c. Switching Charge: As applicable will be deducted from fund value. d. Bid/Offer Spread: Nil e. Partial Withdrawal Charge: Flat amount of ` 100 will be deducted from fund value. f. Discontinuance Charges: The discontinuance charge will be deducted from fund value on date of surrender/date of discontinuation of policy, charge is as under: Discontinuance During Policy Year 1 st Year 2 nd Year 3 rd Year 4 th Year Charges under Policies with annualized premium upto `25,000/- Lower of 15% of AP OR FV. Max- `2500/- Lower of 7.5% of AP OR FV. Max- `1750/- Lower of 5% of AP OR FV. Max- `1250/- Lower of 3% of AP OR FV. Max- `750/- Charges under Policies with annualized premium above `25,000/- Lower of 6% of AP OR FV. Max- `6000/- Lower of 4% of AP OR FV. Max- `5000/- Lower of 3% of AP OR FV. Max- `4000/- Lower of 2% of AP OR FV. Max- `2000/- 5 th Year onwards Nil NIl AP: Annualized Premium, FV: Value on date of discontinuance Date of Discontinuance of the Policy: Shall be date on which the insurer receives the intimation about discontinuance or surrender of the policy from policyholder OR expiry of the notice period of 30 days, whichever is earlier. g. Miscellaneous Charges: For alterations e.g. change in premium mode, Grant of Accident Rider etc. Rs-50/- per alteration will be charged by cancelling appropriate no of units. Corporation reserves the right to accept or decline the alteration. Alteration will be effective from policy anniversary coinciding or following the alteration accepted. h. Service Tax Charges: Service Tax will be charged on all applicable at present. Right to Revise Charges: Corporation reserves the right to revise all applicable charges except premium allocation, mortality and Accident rider charge with prior approval of IRDA. The modification will be done with prospective effect. 3 months notice will be given to policyholders. Policyholder has the option to withdraw the fund value if revised charges are not acceptable to him.
4 Non-negative claw-back Additions: Gross Yield: Actual Accrual of all income elements i.e. Premiums, Income from investment less all actual debits i.e. Partial withdrawal made. Net Yield: Projection of policyholder s at Gross yield calculated above by considering Allocation, Management and Policy Administration charges only. Following charges are assumed to be zero for calculation of Net Yield throughout the term: Mortality Charge Accident Rider Charge All other Charges i.e. Miscellaneous, Switching & Partial withdrawal charges. Service tax Charge Reduction in Yield (RIY): Reduction in Yield (RIY) is the difference between Gross Yield and Net yield. Maximum RIY allowed: There is a cap on RIY due to Allocation, Management and Policy Administration charges as per table given below: Maximum Reduction in Yield (RIY) Allowed No of years elapsed Before Maturity On Maturity & above If the calculated RIY is more than maximum RIY allowed, then equivalent number of units shall be added to the Policyholder s fund in such a way that the calculated RIY is equal to Maximum RIY. It is called as Non-negative claw-back addition. The number of units to be added will be as per NAV declared as on date of Non-negative claw-back addition. If the calculated RIY is less than maximum RIY allowed, then there will be no addition in fund value. Example: Age- 35, Term - 20 years, Yearly Premium: ` 20000, Growth, Assumed Gross yield-8%. Gross : ` 20,000 for 20 years will create fund of ` 9,88,458 Maximum Reduction in Yield allowed due to expenses towards allocation, Administration and Management Charges is 2.25% Net Yield = Gross Yield Maximum Reduction in Yield Allowed. Net Yield = = 5.75% Net = ` 20,000 for 20 years will create fund of ` 7,57,427 If calculated Net Yield by considering expenses towards allocation, Administration and Management Charges is less than ` 7,57,427, then difference will be added to the Value. This addition to fund value is called as Non- negative claw-back addition. If calculated Net Yield is more than ` 7,57,427 then nothing will be added. Under Above Example Calculated Net Yield is 6.59% ( RIY-1.41%): ` 20,000 for 20 years will create fund of ` 8,35,795. This is well above the required amount. So nothing will be added to fund value. In fact charges of LIC are very less and chances of calculated RIY being more than maximum RIY allowed are completely eliminated. So Non-Negative Claw-back is for academic purpose only. Projected maturity amount after considering all the expenses (Including mortality, Rider, taxes etc) under the Gross Yield comes to ` 8,06,625. This gives Net yield of 6.29% and Net reduction will be 1.71%. This again is well below the maximum RIY allowed i.e. 2.25%. Net yield and Reduction in Gross Yield on maturity will be mentioned under every Benefit Illustration.
5 Additional Features: 1. Days of Grace: A grace period of 30 days will be allowed for payment of Yearly, half yearly and quarterly premiums and 15 days for monthly ECS mode. If Premiums are not paid within days of grace, the benefits payable will be as per discontinuance of premiums. 2. Discontinuance of Premiums and Revivals: If premiums under the policy have not been paid within the days of grace, a notice will be sent to the policyholder within a period of fifteen days from the date of expiry of grace period to exercise one of the following options within a period of thirty days of receipt of such notice. A. If the Policy is discontinued before expiry of 5 years lock in period: I) Pay the due premiums during notice period II) Revival of the policy within 2 years from FUP. III) Complete withdrawal from the policy without insurance cover. IV) If no option is selected, then proceeds will be paid at the end of lock in period or 2 years revival period whichever is later. Notes: a. If Revival option is selected: Then Policyholders fund value will be converted into monetary amount after deducting discontinuance charges. The monetary amount will be transferred to discontinuance fund. If Policy Holder opts for Surrender within Revival Period but - Before 5 years lock in period, the proceeds of Discontinuance fund shall be payable on completion of 5 years. - After expiry of 5 years lock in period, the the proceeds of Discontinuance fund shall be payable immediately. If Policyholder opts for Revival during Revival Period: - All outstanding Premiums are payable without interest. - The Discontinuation charge deducted along with proceeds of discontinuation fund shall be added back to policyholder s fund. - All outstanding applicable Policy administration, Premium allocation and service tax charges shall be deducted from fund value. - Units of the segregated fund shall be allotted based on the NAV as on date of revival, as per fund option originally chosen or as chosen in last switch or the fund chosen at the time of revival, as the case may be. b. If option (III) is selected, Then Policyholders fund value will be converted into monetary amount after deducting discontinuance charges. The monetary amount will be transferred to discontinuance fund and shall be payable on completion of 5 years lock in period. However if Revival request is received within revival period but before 5 years lock in period, same will be allowed. c. If no option is exercised within the period of 30 days of receipt of notice, then Policyholders fund value will be converted into monetary amount after deducting discontinuance charges. The monetary amount will be transferred to discontinuance fund and shall be payable on completion of 5 years lock in period or at the end of revival period whichever is later. d. In case of death during revival period or 5 years lock in period, the proceeds of discontinued fund shall be payable immediately. B. If the Policy is discontinued after expiry of 5 years lock in period: I) Pay the due premiums during notice period II) Revival of the policy within 2 years from FUP or before maturity. III) Complete withdrawal from the policy without insurance cover. IV) Convert the policy into paid-up policy V) If no option is selected, then option III will be applicable. Notes: a. If Revival option is selected: Then during revival period policy will be treated as in force and all charges will be deducted. All outstanding Premiums are payable without interest, allocation and service tax charges shall be deducted from fund value. Units shall be allotted based on NAV on date of Revival. If policy is not revived during revival period, then policy shall be terminated on completion of revival period or maturity if earlier and balance fund amount shall be refunded. b. If option III is selected, then policy shall be terminated on date of intimation and balance fund amount shall be refunded. c. If option IV is selected, then policy will continue as paid-up policy. d. If no option is selected within notice period, then policy shall be terminated on expiry of 30 days of receipt of notice. Balance fund value shall be refunded.
6 Calculation of Monetary Amount and Proceeds of Discontinued : a) Conversion to monetary amount shall be as under: The NAV as on date of application of Surrender or Date of Discontinuation of Policy (before 5 years lock in period) multiplied by number of units in the policyholders fund after deduction of discontinuation charge will be the monetary amount. b) Transferring the monetary amount onto Discontinued Policy : Monetary Amount calculated as above shall be transferred to Discontinued Policy as per NAV of the Discontinued Policy as on date of Transfer. c) The Proceeds of the Discontinued shall be as under: Higher of Discontinued Policy Value or Guaranteed Monetary Amount shall be payable. Guaranteed Monetary Amount is accumulation of Monetary amount at Guaranteed Interest Rate (Current Rate is 4% declared by IRDAI) from the date of Transfer to to date of Exit from the either by Death, Surrender, Revival, Complete Withdrawal, end of lock in period of 5 years or on completion of 2 year revival period whichever is applicable. Surrender Value: 1) Surrender before lock in Period of 5 Years: value after deduction of Discontinuation Charge shall be converted into monetary amount. This monetary amount shall be transferred to Discontinued Policy and shall be payable on completion of 5 years lock in period. Policyholder has option to revive the policy within 2 years of FUP but before lock in period of 2 years. In case of death before expiry of lock in period the proceeds of Discontinued fund shall be payable to nominee immediately. Applicability of net asset value (NAV): For allotment of units for premiums received by corporation through ECS or local cheques/demand draft payable at par where the premium is received by 3.00 pm at any Branch branch or authorized premium collection office, the same day s closing NAV of respective fund shall be applicable. If the same are received after 3 p.m. the closing NAV of next business day shall be applicable. For Valid application for Surrender, Death claim, Switches, Revival, Partial or Complete Withdrawal etc received up to 3 p.m. by the servicing branch, the same day s closing NAV of respective fund shall be applicable. After 3.00pm NAV of next business day shall be applicable. For Maturity Claim NAV as on date of Maturity shall be applicable. Outstation Cheques/Demand Draft shall not be accepted. Unit statement: At the time of sale client specific benefit illustration shall be provided to prospective policyholder, same shall be signed by prospective policyholder and agent. This statement shall form the part of the policy document. Further, Unit statement has to be issued on yearly basis and also as and when a transaction takes place. 2) Surrender after lock in Period of 5 Years: Value shall be payable immediately. Policy Surrendered shall not be reinstated.
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