1. Jeevan Rakshak
Plan No.827

2. Jeevan Rakshak
Plan No.827

3. Jeevan Rakshak
Plan No.827
This is a regular premium,non-linked,with profit Endowment Assurance Plan, This Plan shall be allowed to standard lives only under Non-Medical limits.

4. Jeevan Rakshak
Plan No.827
DEATH BENEFITS:- First 5 years of Policy :- Sum Assured on Death. 6th year onwards :- Sum Assured on Death + Loyalty Additions if any. Sum Assured on Death = Higher of Basic SA or times of annualized Premium or 105 % of total premiums paid as on date of death.The premium excludes extra premium and rider premiums.

5. MATURITY BENEFITS: Basic Sum Assured + Loyalty Additions if any
Jeevan Rakshak
Plan No.827
MATURITY BENEFITS: Basic Sum Assured + Loyalty Additions if any

6. Jeevan Rakshak
Plan No.827
ACCIDENT BENEFIT RIDER: Accident benefit rider available premium Rs per thousand S.A. for all except for Police personal premium Rs per thousand S.A.

7. Jeevan Rakshak
Plan No.827

8. Jeevan Rakshak
Plan No.827

9. Jeevan Rakshak
Plan No.827
GRACE PERIOD FOR PAYMENT OF PREMIUM: A grace period of one calender month but not less than 30 days for mode Yly,Hly or Qly and 15 days for monthly mode of premium payment

11. Jeevan Rakshak
Plan No.827
Total first year commission :- 15 % + 6% = 21 % % + 7.5% = %

12. LOAN & SURRENDER
LOAN:
Available after payment of 3 annual premiums. 70% loan in inforce policies, and 60 % in paid up policies.
SURRENDER:
Policies can be surrendered anytime during the policy term provided at least 3 full years premiums are paid.(No loyalty addition will be paid)

13. Jeevan Rakshak
Plan No.827

14. Jeevan Rakshak
Plan No.827

16. Jeevan Rakshak
Plan No.827
Service Tax: > 1st year of policy : % 2nd year onwards : %

17. BACK-DATING INTEREST: Allowed with lean months benefits
Jeevan Rakshak
Plan No.827
BACK-DATING INTEREST: Allowed with lean months benefits

18. Underwriting Rules:
Non –Medical Scheme:- Standalone S.A. over and above other Scheme.
Note :This is a standalone Plan,not to be clubbed with any other Plan for SUC/Max. Insurance allowed under any category of lives.
Age NBD
Std & NSAP-1
NSAP-2
NSAP-3
18-35
2.00 lacs
36-45
2 .00 lacs
1.50 lacs
46-55
1.25 lacs

19. Underwriting Rules:
Non-Standard Age Proofs: All allowed. Extra is to be charged under NSAP-II & NSAP-III
Female lives: All allowed.
* Pregnant ladies not allowed.
* Housewives : allowed without matching Insurance of Husband.
* Single women / literate widows with or without minor/major children with income allowed upto max. age at entry 55 years.
Minor /Major students :
Allowed to school going and standard lives only. School age proof must.
Separate proposal forms for minor and major lives.

20. Jeevan Rakshak
Plan No.827
Tax Benefits: On Basic Premium : u/s 80C Maturity /Death Benefit : u/s 10(10D)

21. Thank You