Life without compromises!! Lets plan a holiday!!

Is it true for financial decisions?? Safety of investments Guaranteed Returns Higher Protection Great Flexibility Where will I get all this without compromise????

Historically people have invested in… Instrument% of Investme nt Duration in Years Pre Tax Return Tax Treatment Post Tax Return Fixed Deposit40%58.5%Taxable Interest 5.95% Life Insurance15% %-10%Tax Free6% - 10% Post Office Instruments 17% 57.5% - 8%Taxable Interest 5.25% - 5.6% National Savings Certificate 68%Taxable Interest 5.6% PPF14%158.5%Tax Free8.5% Others14%1-10YrsVariesTaxableVaries However majority with a compromise!! No flexibility ! No protection!

Complete Financial Solution without compromise !! Instrument% of Investme nt Duration in Years Pre Tax Return Tax Treatment Post Tax Return Fixed Deposit40%58.5%Taxable Interest 5.95% Life Insurance15% %-10%Tax Free6% - 10% Post Office Instruments 17% 57.5% - 8%Taxable Interest 5.25% - 5.6% National Savings Certificate 68%Taxable Interest 5.6% PPF14%158.5%Tax Free8.5% Others14%1-10YrsVariesTaxableVaries Safety of investments Guaranteed Returns Higher ProtectionGreat Flexibility Life Insurance

Life Gain Plus A Traditional, participating plan…offering… Life Gain Plus A Traditional, participating plan…offering… …So that you can enjoy a long holiday called…Life! Safety of investments Guaranteed Returns Higher Protection Great Flexibility

A Perfect Solution for Life’s Holiday!! Safety of investments Guaranteed Returns Higher Protection Great Flexibility –Investment Pattern as regulated by IRDA –Guaranteed addition at maturity …110% of SA on maturity –Double Death Benefit - After 5 years – Double SA + Bonuses., Within 5 years – SA + Bonuses –Riders for enhanced protection –To choose tenor and –Option to pay premiums in Limited payment period and, –To switch between different bonus options

Safety of Investment - Investment strategy for traditional products In line with IRDA Investment guidelines for traditional products!

Guaranteed Returns – Maturity Benefit First premium Issue of policy – Year 0 Premiums Paid: Rs 300,000 Maturity values: Guaranteed MB - Rs. 4,41,943 Non 6% - Rs. 6,27,656 Non 10% - Rs.10,76,410 Premium payment tenor – 15 years Male age 30, Premium 20,000, PPT 15 yrs and Term 25 yrs Guaranteed Maturity 110% of Sum Assured Sum Assured Rs. 4,01,766 Maturity of policy – Year 25 SA with accrued bonus at the end of 25 th Year Guaranteed Addition – 10% of SA +

Higher Protection – On Death…. Sum Assured Rs. 4,01,766 Sum Assured Rs. 8,03,532 Death at 10 years SA + accrued bonuses Death after 5 years – Double SA + accrued bonuses Double SA with accrued bonuses on Death after 5 years of policy in force Issue of policy – Year 0 Maturity of policy – Year 25 Death within 5 years Guaranteed Rs. 8,03,532 Non 6% - Rs. 10% - Rs.8,88,152 Male age 30, Premium 20,000, PPT 15 yrs and Term 25 yrs

Higher Protection – On Death & Sickness Rider Options: PAB Term Rider DD Rider WOP Rider Term R&C Rider Inbuilt Protection: Terminal Illness coverage- up to 50% of SA paid upfront on diagnosis of a terminal illness.

Higher Flexibility Option to Choose Policy Term basis your life stage milestone: –20 Years or –25 Years Pay while your earning are higher - Limited Premium Payment option –10 Years PPT for 20 Year Term –10/15 Years PPT for 25 Year Term To switch between different bonus options –Cash –Premium Offset –Paid up addition(PUA)

Customers have the flexibility to switch between bonus options Flexibility - Bonuses Provide a Wide Array of Choice… Cash: take the amount of bonus declared as cash Premium Offset : the bonus amount can be used to adjust against future premiums payable Paid Up Additions: –The bonus amount can be used to purchase PUA –Whereby the Sum Assured will increase the insurance cover every year and add to base coverage –PUA’s are participating in nature and generate further bonuses –Can Be separately surrendered if customer wants to access the cash value of these PUA’s SPECIAL

Life Gain Plus – Bonus declared in 2010 Age Bonus 6% Bonus 10% Cash Bonus Per Rs SA

Life Gain Plus - Plan Details For details refer to product brochure..

Tax deduction u/s 80C- On premium paid up to a maximum limit of Rs 1 Lac u/s 10(10D)- Tax Free proceeds (maturity& survival benefits) Tax Benefit

Client – Prospect talk points Hope you have started planning for your future savings? Your son/daughter is growing up. Wouldn’t you want to create some financial assets for their future needs? Diversify your investments: Enjoy the guarantee return available with LGP Daily consumption items are becoming expensive…we suggest you build a financial buffer to meet unforeseen circumstances.

A Quick Re – Cap for Life’s Holiday!! Safety of investments Guaranteed Returns Higher Protection Great Flexibility –Investment Pattern as regulated by IRDA –Guaranteed addition at maturity …110% of SA on maturity –Double Death Benefit - After 5 years – Double SA + Bonuses., Within 5 years – SA + Bonuses –Riders for enhanced protection –To choose tenor and –Option to pay premiums in Limited payment period and, –To switch between different bonus options

Life Gain Plus- Suitable for a Lifetime A young couple 25 to 40 years of age People Over 40 Easy, Happy & Tension free Old Age

LGP - For the age group of Long term coverage and a plan that gives compounded bonus Supplements the investments you currently have, provides additional tax benefits Money on maturity can be used for various purposes: Payment towards a housing loan Further education of children Marriage Holiday On a conservative note at 10%,By age 53, the total cash value of the fund is Rs10,32,789./- Cash value of the bonus can supplement Money backs to meet bigger money needs. In case of demise spouse can utilize money as capital annuity /pension As and when required the cash option for bonus can be exercised. AGE: 33 S.A Rs.3,57,450 Annual Premium: Rs.25,000 Policy term=20 yrs and PPT=10 yrs PUA Bonus Option: PUA AGE: 33 S.A Rs.3,57,450 Annual Premium: Rs.25,000 Policy term=20 yrs and PPT=10 yrs PUA Bonus Option: PUA You pay Rs 2.5 lacs in 10 yrs and you get back Rs10.32 lacs in 20 yrs Mr Kamal and Family Salaried: Marketing Manager Mr Kamal and Family Salaried: Marketing Manager

LGP- For the age group of Long term coverage and a plan that gives compounded bonus Supplements the investments you currently have, provides additional tax benefits Money on maturity can be used for various purposes RETIREMENT On a conservative note at 10%,By age 63, the total cash value of the fund is Rs.9,67,863 /- Cash value of the bonus can supplement Money backs to meet bigger money needs. In case of demise spouse can utilize money as capital annuity /pension As and when required the cash option for bonus can be exercised. AGE: 43 S.A Rs.3,97,906 Annual Premium: Rs. 35,000 Policy term=20 yrs and PPT=10 yrs PUA Bonus Option: PUA AGE: 43 S.A Rs.3,97,906 Annual Premium: Rs. 35,000 Policy term=20 yrs and PPT=10 yrs PUA Bonus Option: PUA You pay Rs 3.5 lacs in 10 yrs and you get back Rs lacs in 20 yrs Mr Anil College Professor Mr Anil College Professor

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