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When life gives you more

and more.

AEGON Religare Money Back Plus Plan


A plan that provides life cover for 6 years even after the premium payment term and pays bonus.

It is always delightful to get back what you give and even more delightful to get something extra. At AEGON Religare Life Insurance, we understand this. Which is why, we bring you the AEGON Religare Money Back Plus Plan. This plan covers you for 6 years even after the completion of the premium payment term. Whats more, it also gives you 10% of sum assured in the 4th policy year, 20% of the sum assured in the 8th policy year and 30% of the sum assured in the 12th year in addition to your maturity benefits.

Benefits
Periodic Survival Benefits - At the end of 4th, 8th and 12th policy year, you are entitled to receive a percentage of sum assured as periodic survival benefits as per the table below: End of Year Percentage of Sum Assured paid 4th year 10% 8th year 20% 12th year 30%

How does the plan work?


All you will need to do is choose the protection you need. You will receive periodic survival benefits at the end of 4th year, 8th year and 12th year at the rate of 10%, 20% and 30% of sum assured respectively. Moreover, the plan is a with profit plan wherein the Company will declare bonus rate from the first policy year onwards. Incase of Death, 100% of Sum Assured along with bonus are paid
10% of Sum Assured is paid 20% of Sum Assured is paid 30% of Sum Assured is paid Maturity Benefit is paid

Maturity Benefit - At the end of the policy term, you will be entitled to receive 60% of sum assured or 100% paid up sum assured, as applicable with the simple reversionary accrued bonus. Death Benefit - In case of your unfortunate demise, the nominee receives the sum assured or paid-up sum assured along with the simple reversionary accrued bonus and terminal bonus, if any, irrespective of the periodic survival benefits already paid and the plan cease to exist. Bonus - Your policy will participate in the profits emerging in the participating fund managed by the Company. The Company will declare simple reversionary bonus as percentage of sum assured every year provided the policy is in force for full sum assured. Bonuses once declared form a part of guaranteed benefits of the plan. The bonus will be paid in case of maturity or on an earlier demise. The reversionary bonus is declared keeping in mind a long term view of investment returns, expenses, mortality and other experiences. The company may also declare a terminal bonus for maturing inforce policies, depending on the experience of the participating fund. High Sum Assured Discount - You pay lesser premium if you choose sum assured of Rs.400,000 and above. Paid-Up Policy - Incase you fail to pay your premiums after 3 years, the policy still continues with the paid-up sum assured. The paid-up sum assured will be calculated as below: {(Total premiums received / Total premiums expected over the term) x (120% Sum Assured)} Sum of periodic survival benefits already paid. If the policy continues in paid-up sum assured, the policy is not eligible for bonus or periodic survival benefit. Surrender Benefit - The policy will acquire guaranteed surrender value on payment of 3 full years premiums and surrender value will be paid after completion of 3 years. You have the option to surrender the policy

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Regular premiums are paid as per the chosen Sum Assured and age at entry

Life cover continues even after the premium payment term

Key advantages of the AEGON Religare Money Back Plus Plan


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Life cover continues for a period of 6 years after the end of premium payment term Bonus accrues first year onwards Regular inflow of income at regular intervals 120% of sum assured paid till maturity In case of death during the policy term, 100% of sum assured along with accrued bonus paid High sum assured discount

anytime after payment of 3 years premium. In case of surrender, the policy is first converted to paid-up policy. The Surrender Value is calculated as Surrender value factor X paid-up sum assured. The company may declare surrender values that are higher than the guaranteed surrender values. The factors for such surrender values will be decided from time to time. Tax Benefit - Tax benefits are available as per the prevailing tax laws. Please consult your tax advisor for details.

Grace Period - You have a 30-day grace period from the premium due date to pay the premium. In case of death during the grace period, the death benefit is reduced to an amount equal to the outstanding premium. Free Look Period - You have the option to cancel the policy within 15 days of receiving the policy documents. Upon such cancellation, the policy holder is paid back the premiums after deducting stamp duty and medical examination charges, if any. Service Tax - Service tax or any other tax will be levied as per prevailing tax laws.

Eligibity
Entry Age Maturity Age Minimum Sum Assured Policy Term Premium Payment Term Premium Payment Mode* Minimum - 90 days Maximum - 60 years 76 years Rs. 100,000 16 years 10 years Annually, Half Yearly & Monthly

Terms and conditions


Reinstatement - The policy holder can apply for reinstatement of the lapsed / paid-up Policy within two years from the due date of the first unpaid premium. For reinstatement, the policy holder will need to pay all unpaid premium + interest as declared by the Company from time to time. Upon reinstatement, the policy will also be eligible for the bonus and periodic survival benefits for the period in which the policy was in paid up status. The reinstatement shall be subject to the following conditions: n Satisfactory evidence of insurability of the Life Assured; and n Payment in full of an amount equal to all the policy premiums due but unpaid till the effective date of reinstatement along with interest. Exclusion - If death occurs due to suicide within one year from the date of inception of the policy or reinstatement of policy, as applicable, death benefit is refund of the premium(s) received, without any interest, less any periodic survival benefits already paid.

* The modal factor for modes other than Annual mode will be: Semi Annual Premium - Annual Premium x 0.512; Monthly Premium - Annual Premium x 0.087.

Other Features
Loan - Minimum amount of loan available under the policy is Rs.5,000 and maximum amount is not more than 60% of the surrender value. Discontinuance of Premium - If the first 3 years premiums are not paid, the policy lapses with all the benefits including life insurance coverage will terminate. If premium is not paid after paying the premium for first 3 years, the policy continues with the paid-up sum assured which is calculated as {(Total Premiums received / Total premiums expected over the term) x (120% of Sum Assured)} Sum of all periodic survival benefits already paid}. Thereafter, the policy continues for the paid-up sum assured which is paid on death or maturity. Sample Premium Rates - The sample premium rates per thousand of sum assured for sum assured of Rs. 400,000 and above are given below: Age Premium Rate 30 112.05 35 112.50 40 113.31 45 114.59

About AEGON Religare Life Insurance


AEGON, an international life insurance, pension and investment company, Religare, a global financial services group and Bennett, Coleman & company, Indias largest media house, have come together to launch AEGON Religare Life Insurance Company Limited (ARLI). ARLI launched its pan-India operations in July 2008 following a multi-channel distribution strategy with a vision to help people plan their life better. ARLI products such as AEGON Religare iTerm Plan and AEGON Religare Invest Maximiser Plan have been ranked among the best in terms of value and have attracted many external accolades. As an international life insurance, pension and investment company, AEGON has businesses in over twenty markets in the Americas, Europe and Asia. With headquarters in The Hague, the Netherlands, AEGON companies employ approximately 28,000 people and serve some 40 million customers across the globe. AEGON has more than 160 years of experience with its roots going back to 1844. http://www.aegon.com Religare Enterprises Limited is a global financial services group with a presence across Asia, Africa, the Middle East, Europe and the Americas. The group offers a wide array of products and services ranging from insurance, asset management, broking and lending solutions to investment banking and wealth management. With over 10,000 employees across multiple geographies, Religare serves over a million clients, including cooperates and institutions, high net worth families and individuals and retail investors. http://www.religare.in Bennett, Coleman & Company Limited (BCCL), part of the mammoth Times Group, is Indias largest media house. It reaches out to 2,468 cities and towns all over India. The group owns and manages powerful media brands like The Times of India, The Economic Times, Maharashtra Times, Navbharat Times, Femina, Filmfare, Grazia, Top Gear, Radio Mirchi, Zoom, Times Now, Times Music, Times OOH, Private Treaties and indiatimes.com

Prohibition of Rebates Section 41 of the Insurance Act, 1938 states: 1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. 2) Any person making default in complying with the provision of this section shall be punishable with fine, which may extend to Five Hundred Rupees. Section 45 of Insurance Act, 1938 states: In accordance with Section 45 of Insurance Act, 1938, no policy of life insurance shall, after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal of insurance or any report of a medical officer, or a referee, or a friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statements was on material factor or suppressed facts which it was material to disclose and that it was fraudulently made by the policy holder and that the policy holder knew at the time of making that the statement was false or that it suppressed facts which it was material to disclose. This is participating traditional plan. AEGON Religare Money Back Plus Plan UIN- 138N022V01

For more details Call 1800 209 9090 sms MBACKPLUS to 56677 www. aegonreligare.com

Insurance is the subject matter of the solicitation. IRDA Registration No.: 138. Registered Office: AEGON Religare Life Insurance Company Ltd., 2nd Floor, Paranjpe B Scheme, Subhash Road, Near Garware House, Vile Parle (E), Mumbai - 400057. ADVT N0.: IC/August 2010/766

V No. i / August 2010

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