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<html> <head> <title></title> </head> <body> <p align="center"> <strong>Reliance’s Guaranteed Money Back Plan</strong></p> <p align="center"> <strong><em>A non-linked, non-participating, non-variable money back insurance plan</em></strong></p> <p style="margin-left:18.0pt;"> </p> <p> Reliance’s Guaranteed Money Back Plan not only helps you save for the future but also protects your savings in case of any unforeseen eventuality. All future premiums are waived and your family continues to fulfil their dreams, even in your absence.</p> <p> <strong>With Reliance’s Guaranteed Money Back Plan</strong></p> <p style="margin-left:18.0pt;"> 1. Fund your child’s higher education</p> <p style="margin-left:18.0pt;"> 2. Pay off your debts</p> <p style="margin-left:18.0pt;"> 3. Take vacations abroad</p> <p style="margin-left:18.0pt;"> 4. Go on pilgrimage</p> <p style="margin-left:18.0pt;"> 5. Give a gift to your Grandchildren</p> <p> </p> <p> <strong>Key Benefits</strong></p> <p style="margin-left:36.0pt;"> <strong><u>Savings and liquidity</u></strong></p> <p style="margin-left:36.0pt;"> </p> <p style="margin-left:36.0pt;"> <strong>Get three Guaranteed Benefits:</strong></p> <p style="margin-left:54.0pt;"> o Guaranteed Money Back during the last 5 policy years</p> <p style="margin-left:54.0pt;"> o Guaranteed Loyalty Additions up to 40% of Sum Assured and</p> <p style="margin-left:54.0pt;"> o Guaranteed Maturity Addition up to 20% of Sum Assured, at maturity of the policy</p> <p style="margin-left:36.0pt;"> <strong>Protection for your family</strong></p> <p style="margin-left:54.0pt;"> o Get life cover of at least 10 times the Annualised Premium for the entire policy term</p> <p style="margin-left:54.0pt;"> o Get an additional life cover equal to the Sum Assured in case of accidental death</p> <p style="margin-left:54.0pt;"> o All future premiums are waived and Guaranteed Benefits continue</p> <p style="margin-left:36.0pt;"> <strong>Tax Benefits</strong></p> <p style="margin-left:36.0pt;"> Get tax benefits on investment and on returns, as per the applicable income tax laws</p> <p style="margin-left:36.0pt;"> <strong>Flexibility</strong></p> <p style="margin-left:54.0pt;"> o Choose your policy term: 15 or 20 years</p> <p style="margin-left:54.0pt;"> o Pay Regular Premium or Limited Premium</p> <p> </p> <p> <strong>Reliance’s Guaranteed Money Back Plan at a Glance</strong></p> <table border="1" cellpadding="0" cellspacing="0"> <tbody> <tr> <td style="width:187px;"> <p align="center"> <strong>Parameters</strong></p> </td> <td style="width:132px;"> <p align="center"> <strong>Minimum</strong></p> </td> <td colspan="4" style="width:297px;"> <p align="center"> <strong>Maximum</strong></p> <p align="center"> </p> </td> </tr> <tr> <td style="width:187px;"> <p> Policy Term (Years)</p> </td> <td style="width:132px;"> <p align="center"> 15</p> </td> <td colspan="4" style="width:297px;"> <p align="center"> 20</p> </td> </tr> <tr> <td rowspan="2" style="width:187px;"> <p> Age at Entry (Years)</p> </td> <td rowspan="2" style="width:132px;"> <p align="center"> 18</p> <p align="center"> (last birthday)</p> </td> <td style="width:95px;"> <p align="center"> Policy Term</p> </td> <td colspan="2" style="width:104px;"> <p align="center"> 15 years</p> </td> <td style="width:99px;"> <p align="center"> 20 years</p> </td> </tr> <tr> <td style="width:95px;"> <p align="center"> Age at Entry</p> </td> <td colspan="2" style="width:104px;"> <p align="center"> 58</p> <p align="center"> (last birthday)</p> </td> <td style="width:99px;"> <p align="center"> 55</p> <p align="center"> (last birthday)</p> </td> </tr> <tr> <td style="width:187px;"> <p> Age at Maturity (Years)</p> </td> <td style="width:132px;"> <p align="center"> 33</p> <p align="center"> (last birthday)</p> </td> <td colspan="4" style="width:297px;"> <p align="center"> 75 (last birthday)</p> </td> </tr> <tr> <td style="width:187px;"> <p> Sum Assured (Rs)</p> </td> <td style="width:132px;"> <p align="center"> 50,000</p> </td> <td colspan="4" style="width:297px;"> <p align="center"> No Limit</p> </td> </tr> <tr> <td rowspan="8" style="width:187px;"> <p> Premium Payment Term</p> <p align="center"> (Years)</p> </td> <td style="width:132px;"> <p align="center"> Policy Term</p> </td> <td colspan="2" style="width:142px;"> <p align="center"> Age at entry (last</p> <p align="center"> birthday)</p> </td> <td colspan="2" style="width:155px;"> <p align="center"> Maximum allowed</p> <p align="center"> Premium paying</p> <p align="center"> term (years)</p> </td> </tr> <tr> <td rowspan="4" style="width:132px;"> <p align="center"> 15 years</p> </td> <td colspan="2" style="width:142px;"> <p align="center"> 18-43</p> </td> <td colspan="2" style="width:155px;"> <p align="center"> Equal to policy term</p> </td> </tr> <tr> <td colspan="2" style="width:142px;"> <p align="center"> 44-53</p> </td> <td colspan="2" style="width:155px;"> <p align="center"> 10</p> </td> </tr> <tr> <td colspan="2" style="width:142px;"> <p align="center"> 54-55</p> </td> <td colspan="2" style="width:155px;"> <p align="center"> 7</p> </td> </tr> <tr> <td colspan="2" style="width:142px;"> <p align="center"> 55-58</p> </td> <td colspan="2" style="width:155px;"> <p align="center"> 5</p> </td> </tr> <tr> <td rowspan="3" style="width:132px;"> <p align="center"> 20 years</p> </td> <td colspan="2" style="width:142px;"> <p align="center"> 18-47</p> </td> <td colspan="2" style="width:155px;"> <p align="center"> Equal to policy term</p> </td> </tr> <tr> <td colspan="2" style="width:142px;"> <p align="center"> 48-53</p> </td> <td colspan="2" style="width:155px;"> <p align="center"> 15</p> </td> </tr> <tr> <td colspan="2" style="width:142px;"> <p align="center"> 54-55</p> </td> <td colspan="2" style="width:155px;"> <p align="center"> 10</p> </td> </tr> <tr> <td style="width:187px;"> <p> Premium payment</p> <p> Options</p> </td> <td colspan="5" style="width:429px;"> <p align="center"> Limited Pay/Regular Pay</p> </td> </tr> <tr> <td style="width:187px;"> <p> Premium payment modes</p> </td> <td colspan="5" style="width:429px;"> <p align="center"> Yearly, Half-yearly, Quarterly and Monthly</p> </td> </tr> <tr height="0"> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> <td> </td> </tr> </tbody> </table> <p> </p> <p> <strong>Benefits in detail</strong></p> <p style="margin-left:18.0pt;"> · <strong><u>Money Back Benefits</u></strong></p> <p style="margin-left:18.0pt;"> Guaranteed Money Back Benefits as a percentage of Sum Assured will be paid during the last 5 policy years as per the table given below, irrespective of survival of the Life Assured.</p> <table border="1" cellpadding="0" cellspacing="0"> <tbody> <tr> <td style="width:140px;"> <p> <strong>Policy Term</strong></p> </td> <td style="width:94px;"> <p align="center"> <strong>15 Years</strong></p> </td> <td style="width:95px;"> <p align="center"> <strong>20 Years</strong></p> </td> <td style="width:255px;"> <p align="center"> <strong>Money Back Benefits</strong></p> <p align="center"> <strong> (as a percentage of Sum Assured)</strong></p> </td> </tr> <tr> <td rowspan="5" style="width:140px;"> <p align="center"> End of Policy Year</p> </td> <td style="width:94px;"> <p align="center"> 11</p> </td> <td style="width:95px;"> <p align="center"> 16</p> </td> <td style="width:255px;"> <p align="center"> 15%</p> </td> </tr> <tr> <td style="width:94px;"> <p align="center"> 12</p> </td> <td style="width:95px;"> <p align="center"> 17</p> </td> <td style="width:255px;"> <p align="center"> 15%</p> </td> </tr> <tr> <td style="width:94px;"> <p align="center"> 13</p> </td> <td style="width:95px;"> <p align="center"> 18</p> </td> <td style="width:255px;"> <p align="center"> 15%</p> </td> </tr> <tr> <td style="width:94px;"> <p align="center"> 14</p> </td> <td style="width:95px;"> <p align="center"> 19</p> </td> <td style="width:255px;"> <p align="center"> 15%</p> </td> </tr> <tr> <td style="width:94px;"> <p align="center"> 15</p> </td> <td style="width:95px;"> <p align="center"> 20</p> </td> <td style="width:255px;"> <p align="center"> 40%</p> </td> </tr> </tbody> </table> <p style="margin-left:18.0pt;"> </p> <p style="margin-left:18.0pt;"> · <strong><u>Maturity Benefit</u></strong></p> <p style="margin-left:21.85pt;"> At the end of the policy term, irrespective of survival of the Life Assured, the following two benefits will be paid:</p> <p style="margin-left:54.0pt;"> o <strong>Guaranteed Loyalty Additions:</strong></p> <p style="margin-left:54.0pt;"> Guaranteed Loyalty Additions of 2% of Sum Assured will accrue at the end of every policy year and will be paid on maturity, provided the policy is not lapsed or surrendered.</p> <p style="margin-left:54.0pt;"> </p> <p style="margin-left:54.0pt;"> For example:</p> <table border="1" cellpadding="0" cellspacing="0"> <tbody> <tr> <td style="width:113px;"> <p> <strong>Policy Term</strong></p> </td> <td style="width:378px;"> <p align="center"> <strong>Accumulated Guaranteed Loyalty Additions </strong></p> <p align="center"> <strong>(as a percentage of Sum Assured)</strong></p> </td> </tr> <tr> <td style="width:113px;"> <p align="center"> 5</p> </td> <td style="width:378px;"> <p align="center"> 10%</p> </td> </tr> <tr> <td style="width:113px;"> <p align="center"> 10</p> </td> <td style="width:378px;"> <p align="center"> 20%</p> </td> </tr> <tr> <td style="width:113px;"> <p align="center"> 15</p> </td> <td style="width:378px;"> <p align="center"> 30%</p> </td> </tr> <tr> <td style="width:113px;"> <p align="center"> 20</p> </td> <td style="width:378px;"> <p align="center"> 40%</p> </td> </tr> </tbody> </table> <p style="margin-left:54.0pt;"> </p> <p style="margin-left:54.0pt;"> o <strong>Guaranteed Maturity Additions</strong></p> <p style="margin-left:54.0pt;"> Guaranteed Maturity Additions will be paid on maturity provided the policy is not paid-up.</p> <p style="margin-left:54.0pt;"> The Guaranteed Maturity Additions is expressed as a percentage of Sum Assured and depends on the policy term as given in the table below</p> <table border="1" cellpadding="0" cellspacing="0"> <tbody> <tr> <td style="width:113px;"> <p> </p> <p> <strong>Policy Term</strong></p> </td> <td style="width:378px;"> <p align="center"> <strong>Guaranteed Maturity Additions </strong></p> <p align="center"> <strong>(as a percentage of Sum Assured)</strong></p> </td> </tr> <tr> <td style="width:113px;"> <p align="center"> 15</p> </td> <td style="width:378px;"> <p align="center"> 15%</p> </td> </tr> <tr> <td style="width:113px;"> <p align="center"> 20</p> </td> <td style="width:378px;"> <p align="center"> 20%</p> </td> </tr> </tbody> </table> <p style="margin-left:36.0pt;"> </p> <p style="margin-left:18.0pt;"> · <strong><u>Death Benefit</u></strong></p> <p style="margin-left:18.0pt;"> In case of unfortunate demise of the Life Assured during the policy term, provided the policy is in force as on the date of death, the nominee shall receive the following benefits:</p> <p style="margin-left:54.0pt;"> o <strong>Lump Sum Benefit</strong></p> <table border="1" cellpadding="0" cellspacing="0"> <tbody> <tr> <td style="width:236px;"> <p> <strong>In the event of death of the Life Assured (Non–accidental death)</strong></p> </td> <td style="width:255px;"> <p align="center"> <strong>In the event of death of the Life Assured (Accidental death)</strong></p> <p align="center"> </p> </td> </tr> <tr> <td style="width:236px;"> <p> Highest of the following amounts is payable:</p> <p> </p> <p> •10 times of the Annualised Premium; or</p> <p> </p> <p> •105% of all the premiums paid (excluding extra premiums) as on the date of death; </p> <p> </p> <p> Or</p> <p> </p> <p> •Sum Assured</p> </td> <td style="width:255px;"> <p> Highest of the following amounts is payable:</p> <p> </p> <p> •10 times of the Annualised Premium; or</p> <p> </p> <p> •105% of all the premiums paid (excluding extra premiums) as on the date of death; or</p> <p> </p> <p> •Sum Assured</p> <p> </p> <p> Plus</p> <p> </p> <p> An additional amount equal to the Sum</p> <p> Assured</p> </td> </tr> </tbody> </table> <p style="margin-left:54.0pt;"> </p> <p style="margin-left:54.0pt;"> o <strong>Waiver of Premium</strong></p> <p style="margin-left:54.0pt;"> On death of the Life Assured, all future premiums under the plan will be waived.</p> <p style="margin-left:54.0pt;"> </p> <p style="margin-left:54.0pt;"> o <strong>Continuation of Guaranteed Benefits</strong></p> <p style="margin-left:54.0pt;"> On death of the Life Assured during the policy term, provided the policy is in force and all due premiums are paid as on the date of death, the nominee will receive the Money Back Benefits and Maturity Benefits at specified times.</p> <p style="margin-left:54.0pt;"> </p> <p> The additional Sum Assured on accidental death (including Sum Assured under Reliance Accidental Death and Total and Permanent Disablement Rider across all policies with Reliance Life) will not exceed Rs. 50 lakh.</p> <p> </p></body> </html>
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