Get 7.05% Guaranteed
Investment Returns
PRESENTING…..
“Keep the Guarantee on your side”
KEY HIGHLIGHTS
KEY HIGHLIGHTS
Choice of additional rider
PLAN FUNCTIONING
ACCRUED MATURITY VALUE
Regular Premium
(excluding Service Tax)
Less: Life Ins. Risk Premium
95% of Net Premium
GIR at end of
each Cal. month
Accrued Maturity Value (AMV)
Loyalty
Addition
Death / Surrender/
Maturity Benefit
Policyholder pays Additional Premium
% (Additional Premium
Factor) of
Additional Premium
Additional Accrued
Maturity Value (AAMV)
Death / Surrender/
Maturity Benefit
Part Surrender
GIR at end of
each Cal. month
ADDITIONAL ACCRUED
MATURITY VALUE
USP OF THE PLAN
“Get 7.05% Guaranteed
Investment Return in Financial
Year 2010-11”
GUARANTEED INVESTMENT
RETURN
 The Company will declare Guaranteed Investment Return (GIR) at the
starting of each financial year.
 The GIR is 7.05% for financial year 2010-11
“You have an Option to choose your
life cover”
LIFE COVER OPTIONS
Minimum: 10 times First Year’s annualized regular premium plus Service
Tax on Life Insurance Premium
Maximum:
For age 0 to 55 years: 20 times First Year’s annualized regular premium
plus Service Tax on Life Insurance Premium
For age 56 to 60 years: 10 times First Year’s annualized regular premium
plus Service Tax on Life Insurance Premium
The Sum Assured allowed is 10, 15 or 20 times of the annualized regular
premium plus Service tax applicable on Life Insurance Premium chosen by
the policyholder (subject to conditions stated above).
“You can offer Invest Plus Premier
at a low premium”
MINIMUM/ MAXIMUM PREMIUM
Minimum / Maximum
Regular Premium plus
Service tax applicable on
Life Insurance Premium
including Additional Rider
Benefit premium (if any)
Minimum Regular Premium
Rs 6,000 per yearly installment, Rs 3,000 per half-yearly
installment, Rs. 600 per monthly installment.
Maximum Regular Premium (For channels other than Agency):
Unlimited
Maximum Regular Premium (For Agency channel only):
Rs 20,000 per yearly installment, Rs 10,000 per half-yearly
installment, Rs. 2,000 per monthly mode
“Get up to 117% credit on
additional premium paid”
PAYMENT OF ADDITIONAL
PREMIUM
 In any policy year, additional premium over and above the Regular
Premium can be paid anytime (except during the last three policy years
before the maturity date) provided the regular premiums are paid up to
date.
 The minimum Additional Premium payable is Rs. 5,000 and the
maximum is unlimited, subject always to the Company’s right to revise
these from time to time subject to approval from IRDA.
 An Additional Premium Factor shall be applied to each Additional
Premium paid before adding it to the AAMV.
The Additional Premium Factor will be determined by reference to the
table below and to the outstanding policy term (in years, rounded down)
when the Additional Premium is paid.
ADDITIONAL PREMIUM FACTOR
Outstanding
Policy Term
Outstanding
Policy Term
Outstanding
Policy Term
(in Years)
(in Years)
(in Years)
25
117.00%
17
110.50%
9
104.50%
24
116.00%
16
109.75%
8
103.75%
23
115.25%
15
109.00%
7
103.00%
22
114.50%
14
108.25%
6
102.25%
21
113.75%
13
107.50%
5
101.50%
20
112.75%
12
106.75%
4
100.75%
19
112.00%
11
106.00%
3
100.00%
18
111.25%
10
105.25%
-
-
Additional
Premium
Factor
Additional
Premium
Factor
Additional
Premium
Factor
Scenario: Male Age:30 years, Premium: Rs.6000 yearly, Sum Assured: Rs. 60,000
Additional Premium Paid: Rs 6000 per annum for 18 years
Year.
Premium
Paid
Additional
Premium
paid at the
beginning of
the year
6%
10%
6%
10%
6%
10%
1
6000
5064
5259
6000
7036
7306
2
6000
10331
10939
6000
14306
15148
3
6000
15809
17073
6000
21820
23569
4
6000
21505
23698
6000
29588
32615
5
6000
27430
30853
6000
37620
42336
6
6000
33591
38580
6000
45926
52786
7
6000
39999
46925
6000
54518
64024
8
6000
46663
55938
6000
63407
76112
9
6000
53594
65672
6000
72604
89118
10
6000
60802
76185
6000
82123
103116
11
6000
68831
88093
6000
91976
118186
12
6000
77182
100953
6000
102175
134412
13
6000
85867
114842
6000
112736
151888
14
6000
94899
129842
6000
123673
170713
15
6000
104292
146041
6000
135000
190996
16
6000
114061
163537
6000
146734
212853
17
6000
124221
182433
6000
158890
236410
18
6000
134787
202840
6000
171486
261803
19
6000
145776
224880
178345
282747
20
6000
157204
248683
185479
305367
354572
565939
AMV
AAMV
Maturity Value
“Get Higher Life Cover”
DEATH BENEFIT
DEATH BENEFIT:
Death before the life assured attaining age of 7 years :
An amount equal to the total life insurance risk premiums paid till date Plus the AMV plus the
AAMV, if any.
Death after the life assured attaining age of 7 years:
An amount equal to Sum Assured under the Policy plus the AMV plus the AAMV, if any.
Upon the Death of the Life Assured, in case of a lapsed policy:
The death benefit shall be equal to the AAMV, if any, as on the date of receipt of intimation of
death.
“Secure your investment with
Guaranteed Maturity Value”
MATURITY BENEFIT
 MATURITY BENEFIT: AMV+ 75% of the total life insurance risk
premium paid excluding any extra premium (subject to minimum
GMV) + AAMV(if any)
 The Guaranteed Maturity Value (GMV) shall be equal to the total
regular premiums paid till maturity date excluding rider premium, any
extra premium & service tax and is applicable only if the entire due
premiums have been paid under the policy till maturity.
“Get Refund of a proportion of Life
Insurance Risk Premium at
maturity”
REFUND OF PREMIUM
The refund of proportion of life insurance risk premium on maturity shall
be made if all the due regular premiums till maturity date have been
paid. The proportion will be:
75% of the total life insurance risk premium paid excluding any extra
premium
“Get Loyalty Additions from 11th
Policy Year ”
LOYALTY ADDITIONS
 10% of the Net Premium as Loyalty Addition from the 11th policy year.
 Loyalty Addition will
increase the AMV at each regular premium
payment if all due regular premiums have been paid for first 10 policy
years
“This plan provides an Option to
decrease Regular Premium”
DECREASE IN REGULAR PREMIUM

The Policyholder has the option to decrease the Regular premium from third
policy anniversary.

You can exercise the option unlimited number of times during the policy term.

The reduced regular premium should not fall below the higher of :

the Life Insurance Premium including Service Tax applicable
AND

the Minimum Regular Premium applicable under the policy (including
Service Tax).

The reduction in regular premium shall not result in reduction of sum assured.

The GMV shall be revised on the basis of new regular premium.
“Get an Option to en-cash
partially”
PART SURRENDER
 The Policyholder can opt for Part Surrender of your Additional
Accrued Maturity Value after three years from the date of payment of
each additional premium
 The minimum amount of Part Surrender from Additional Accrued
Maturity Value is Rs.5,000 at one time.
 Only one Part Surrender request is allowed in a calendar month
“Get a Policy Loan”
POLICY LOAN
 85% of the surrender value of the Accrued Maturity Value as loan from
the Company
“Choice of Additional Rider
Benefit”
ADDITIONAL RIDER BENEFITS

You can opt for the following Additional Rider Benefit:
Comprehensive Accidental Protection :comprises of the following:
 Accidental Death Benefit
 Accidental Permanent Total/Partial Disability Benefit
 Waiver of Premium Benefit in case of Accidental Permanent Total
Disability.
DID YOU KNOW THAT
INVEST PLUS PREMIER
COMES IN A KIT???
KIT PREVIEW
KIT VARIANTS
Invest Plus Premier Kit is available with the following variants:
 Rs. 6000 p.a
 Rs. 8000 p.a
 Rs. 10,000 p.a
For More Details on this
Product
Refer to the
TECHNICAL PRESENTATION
ON
PRODUCT DEVELOPMENT
PORTAL
THANK YOU
Call : Bajaj Allianz
0-991-000-9312