1. A Reliance Capital company Strictly For Internal Communication Only Reliance Life Insurance Money Multiplier Plan UIN: IRDA Approval Awaited

2. A Reliance Capital company DO YOU LOVE YOUR NEAR AND DEAR ONES AS MUCH AS YOU LOVE YOURSELF? Strictly For Internal Communication only

3. A Reliance Capital company CAN YOU BE SURE AS TO WHAT MAY HAPPEN TO “U” IN THE NEXT FEW MINUTES? Strictly For Internal Communication only

4. A Reliance Capital company DO YOU WANT TO BE FINANCIALLY SECURE IN THE EVENT OF ANY UNFORSEEN CALAMITY? Strictly For Internal Communication only

5. A Reliance Capital company Ask yourself:  What part of my present income does my family need?  How many years are left for retirement?  What are my cash assets?  What are my monetary obligations?  What debt am I currently carrying?  Do I have a contingency fund? Have you calculated your worth? Strictly For Internal Communication only

6. A Reliance Capital company  Continuity of income  Mortgage protection  Protection against disabilities  Children’s education  Marriage expenditure  Retirement fund  Tax relief Have you planned for the following critical requirements of life? Strictly For Internal Communication only

7. A Reliance Capital company Strictly For Internal Communication only Take a step ahead of others…………. Choose Reliance Life Insurance Money Multiplier Plan Make your family feel proud of your smartness in buying an insurance plan that best suits your need.

8. A Reliance Capital company Unique Selling Proposition Double protection against life risks. Increasing life cover every year. Commitment through guarantees. Wealth accumulation through guaranteed additions. Liquidity through loans. Convenience through flexible premium payment modes available. Choice of rider options as per requirement. Strictly For Internal Communication only

9. A Reliance Capital company  Guaranteed Loyalty Additions up to 210% of the basic sum assured provided all due premiums are paid in full.  Based on policy term chosen, Guaranteed Maturity Addition up to 20% of basic sum assured payable at maturity. Strictly For Internal Communication only Guaranteed Additions:

10. A Reliance Capital company Benefits:  Double Life Cover Benefit:  Double the Basic Sum Assured, and  Accrued Guaranteed Loyalty Additions, if any.  Triple Maturity Benefit:  Basic Sum Assured,  Accrued Guaranteed Loyalty Additions, and  Guaranteed Maturity Addition  Tax Benefits:  Premiums paid get tax benefit u/s 80 C & 80D.  Maturity/Death proceeds get tax benefit u/s 10 (10D). Strictly For Internal Communication only

11. A Reliance Capital company Additional Benefit – Riders: Reliance New Critical Conditions (25) Rider Provides lump sum amount on the diagnosis of specified critical illness. Reliance Term Life Insurance Benefit Rider Provides increased insurance cover, at very economical costs. Reliance New Major Surgical Benefit Rider Provides lump sum amount in case of any major surgery done. Reliance Accidental Death and Total and Permanent Disablement Rider Provides additional benefit on account of accident. Strictly For Internal Communication only

12. A Reliance Capital company Reliance Life Insurance Money Multiplier Plan DETAILS Strictly For Internal Communication only

13. A Reliance Capital company Strictly For Internal Communication only Key Points:  Regular Premium plan with an objective to provide protection and regular savings.  Money multiplies through Guaranteed Loyalty Additions getting accrued at the end of every policy year & Guaranteed Maturity Addition payable on maturity.  Double the Basic Sum Assured + Accrued Guaranteed Loyalty Additions if any, as Life Cover benefit.  Basic Sum Assured, Accrued Guaranteed Loyalty Additions & Guaranteed Maturity Additions as Maturity benefit.  More value for money through High Sum Assured rebate.  Surrender value acquired after payment of 3 full years premium and is payable after completion of 3 policy years.  Loans up to 80% of surrender value after policy acquires a surrender value.  Nomination & Assignment available.  A host of optional rider benefits to enhance life cover.

14. A Reliance Capital company  Guaranteed Loyalty Additions up to 210% of the basic sum assured provided all due premiums are paid in full.  Based on policy term chosen, Guaranteed Maturity Addition up to 20% of basic sum assured payable at maturity. Strictly For Internal Communication only Guaranteed Additions:

15. A Reliance Capital company Strictly For Internal Communication only Product Limits: *Mode of premium payment can be changed on policy anniversary. Grace Period :There is a grace period of 30 days from the due date for payment of regular premiums. In case of monthly mode, the grace period is of 15 days. MinimumMaximum Age at Entry18 years65 years last birthday Age at Maturity28 years75 years last birthday Policy Term10 years / 15 years /20 years PremiumNo Limit Premium Payment TermRegular Premium Payment Mode*Yearly, Half-Yearly, Quarterly & Monthly (ECS) Minimum Sum AssuredRs. 50,000No Limit

16. A Reliance Capital company Product Limits: Strictly For Internal Communication only Sum Assuredper Rs. 1000 Sum Assured Less than Rs.1,00,000Nil Rs. 1,00,000 and above but less than Rs. 2,50,000Rs. 1 Rs. 2,50,000 and above but less than Rs. 5,00,000Rs. 2 Rs. 5,00,000 and above but less than Rs. 10,00,000Rs. 3 Rs. 10,00,000 and aboveRs. 4 High Sum Assured Rebate:

17. A Reliance Capital company Strictly For Internal Communication only On Maturity, get Triple benefit of: ­ Basic Sum Assured, ­ Accrued Guaranteed Loyalty Additions, and ­ Guaranteed Maturity Addition Policy terminates on payment of maturity benefit. Benefits Under The Plan:

18. A Reliance Capital company Strictly For Internal Communication only On Death of Life Assured, get Double benefit of: ­ Double the Basic Sum Assured, and ­ Accrued Guaranteed Loyalty Additions, if any. Policy terminates on payment of death benefit. Benefits Under The Plan:

19. A Reliance Capital company Strictly For Internal Communication only  Premiums paid in following respect are eligible for tax deduction as per Income Tax Act, 1961: ­ Basic policy – u/s 80 C of the Act. ­ Reliance Term Life Rider & Reliance Accidental Death and Total and Permanent Disablement Rider – u/s 80C of the Act. ­ Reliance New Major Surgical Benefit Rider and Reliance New Critical Conditions (25) Riders – u/s 80D of the Act.  The benefits under this plan and riders are exempted from tax u/s 10 (10D) of the Act.  All the above are subject to conditions under Income Tax, Act, 1961  You are recommended to consult a tax advisor. Tax Benefits:

20. A Reliance Capital company Surrender Value:  SV acquires after three full year premiums have been paid.  SV payable only after completion of three policy years.  Higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV): ­ GSV: 30% of total premiums paid excluding first year premium, rider premiums and extra premium paid, if any. ­ SSV: Surrender value factor multiplied by paid up value payable at maturity, where; Paid up value payable at maturity = Basic sum assured X (number of premiums paid/total number of premiums payable) plus Accrued Guaranteed Loyalty Additions. Strictly For Internal Communication only

21. A Reliance Capital company Surrender Value Factor Applicable To Paid-up Value Surrender Value: Completed policy YearsPolicy Term 10Policy Term 15Policy Term 20 1 0% 2 3 30%20%15% 4 40%27%20% 5 50%33%25% 6 60%40%30% 7 70%47%35% 8 80%53%40% 9 90%60%45% 10 100%67%50% 11 NA 73%55% 12 80%60% 13 87%65% 14 93%70% 15 100%75% 16 NA 80% 17 85% 18 90% 19 95% 20 100% Strictly For Internal Communication only

22. A Reliance Capital company Loans:  80% of the surrender value under basic plan after the policy acquires a surrender value.  Interest on loan is payable at prevailing rate of interest i.e. 9% p.a.  If at any time during the term of the policy, the sum of loan outstanding and interest on loan outstanding exceeds 95% of the surrender value; the policy will be terminated by recovering the loan outstanding and interest on loan outstanding from the surrender value. The balance of surrender value will be paid. Note: Before payment of any benefit, the loan outstanding and the interest on loan outstanding will be recovered first and the balance if any will be paid to the policyholder or the nominee(s). Strictly For Internal Communication only

23. A Reliance Capital company Nomination: Allowed as per Section 39 of the Insurance Act, 1938. Assignment: Allowed as per section 38 of the Insurance Act, 1938. Strictly For Internal Communication only

24. A Reliance Capital company Strictly For Internal Communication only Premium:  Sample Premium Rates for Base Plan: SUM ASSURED: Rs. 1,00,000  Premium for Riders: Will be collected over & above the premium under basic plan. Age/Policy Term101520 25 14,66511,77510,520 35 14,81011,96510,775 45 15,37512,64511,565 55 16,86014,37013,620

25. A Reliance Capital company Strictly For Internal Communication only  Applicable on basic premium, rider premium.  On Basic premium - @ 1.03% p.a.  On Rider premium - @ 10.30% p.a.  Collected from the policyholder along with the basic premium and rider premiums respectively.  The rate of service tax is decided and can be revised from time to time by the Government of India. Service Tax:

26. A Reliance Capital company Strictly For Internal Communication only Discontinuance of Premium:  If less than three years’ premiums have been paid:  Policy LAPSES at the end of the grace period.  Insurance Cover and Rider benefits cease immediately.  No benefits will be paid when the policy is in lapsed status.  Accrued Guaranteed Loyalty Additions, if any, are not payable for a policy in lapsed status.  No further Guaranteed Loyalty Additions will be payable.

27. A Reliance Capital company Strictly For Internal Communication only Discontinuance of Premium:  If discontinuance happens after payment of at least three full years’ premiums:  Policy will be converted into a PAID-UP policy.  The benefits under basic plan will be reduced in a manner as given below:  Paid up value payable on death = Twice the basic sum assured * (Number of premiums paid / total number of premiums payable) plus Accrued Guaranteed Loyalty Additions.  Paid up value payable on maturity = Basic sum assured * (number of premiums paid / total number of premiums payable) plus Accrued Guaranteed Loyalty Additions.  Life insurance protection continues to the extent of the paid-up value until the end of the policy term but rider benefit will cease.  Once the policy becomes paid up, further Guaranteed Loyalty Additions and Guaranteed Maturity Addition will not be payable.

28. A Reliance Capital company Disadvantages of Discontinuance of Premium:  No risk protection on your precious, priceless life.  Regular saving stops.  Purpose with which the plan was bought is lost.  No Guaranteed Loyalty Additions and Guaranteed Maturity Additions payable.  No Tax benefit available. Strictly For Internal Communication only

29. A Reliance Capital company Strictly For Internal Communication only A) Policyholder may revive a PAID-UP or LAPSED policy;  by paying arrears of premium along with interest at prevailing rate,  within the revival period of 2 years from the due date of first unpaid regular premium or date of maturity whichever is earlier,  subject to satisfactory medical and financial underwriting. B) If the base plan is revived, the riders can also be revived;  by paying arrears of premiums along with interest at prevailing rate.,  Subject to satisfactory medical and financial underwriting. Revival of Policy:

30. A Reliance Capital company Plan At a Glance: Key Benefits Guaranteed Loyalty AdditionsAccrued at the end of each policy year Guaranteed Maturity AdditionsPayable at maturity Death Benefit Twice the basic sum assured + Accrued Guaranteed Loyalty Additions Maturity Benefit Basic sum assured + Accrued Guaranteed Loyalty Additions + Guaranteed Maturity Additions Other Benefits Riders Reliance New Critical Conditions (25) Rider, Reliance New Major Surgical Benefit Rider, Reliance Term Life Insurance Benefit Rider & Reliance Accidental Death and Total and Permanent Disablement Rider Tax BenefitUnder section 80C, 80D and 10(10D) Additional Options RebateMore value for money through High sum assured rebate Loans & SurrendersProvides liquidity in case of need Premium payment OptionsFlexibility to pay regular premium under different modes Strictly For Internal Communication only

31. A Reliance Capital company Strictly For Internal Communication only  Young working professionals.  Married couple with kids.  Businessman.  Entrepreneur.  Self Employed.  Salaried Individual (Private & Govt)  Elderly people. (Max entry age 65 years) Target Market:

32. A Reliance Capital company Strictly For Internal Communication Only