MONEYBACK PLANS

COMPANY PRODUCT MAIN FEATURE AGE GROUP

1. Bajaj Allianz 1. Cash Gain Regular Income at stages ENTRY 15/55,

14/50,
13/45,
12/40,
18/50
MATURITY 70

2. Child Gain Children's Plan ENTRY Parent: 20/50

MATURITY 38/68
ENTRY Child: 0/13
MATURITY 21
24

2. SBI Life 1. Moneyback Regular Income at stages ENTRY 15/60

15/55
15/50
15/45
MATURITY 70

2. Sanjeevan Supreme Regular Income at stages ENTRY 18/60

with limited payment 18/55
18/55
18/50
MATURITY 70/75

3. Birla Sunlife 1. Moneyback Plus Surrender benefits ENTRY 0/60

with increasing SA MATURITY 70

4. LIC 1. Moneyback 20/25 yrs Regular Income at stages ENTRY 13/50

13/50
MATURITY 70

2. Jeevan Surabhi Regular Income at stages ENTRY 14/55

with increasing SA 14/50
 14/45
MATURITY 70

3. Bima Bachat Regular Income at stages ENTRY 15/66

MATURITY 75

5. ING Life 1. Creating Life Regular Income at stages ENTRY 18/45

with child protection 18/50
18/55
MATURITY 70

2. Safal Jeevan Regular Income at stages ENTRY 18/44

MATURITY 60/64

3. New Fulfilling Life Regular Income at stages ENTRY 14/54

Anticipated Whole Life MATURITY 70

6. Reliance Life 1. Cash Flow Regular Income at stages ENTRY 15/63

MATURITY 22/70

2. Child Plan Child Plan Entry: 20 to 60

Maturity: 25/70

7. Tata AIG 1. 21yrs Money Saver Regular Income at stages ENTRY 0/55
MATURITY 21/76

8. HDFC Standard 1. Moneyback Regular Income at stages ENTRY 12 to 60

MATURITY 75
9. Kotak Life 1. Moneyback Regular Income at stages ENTRY 18/60

MATURITY 75

10. Max New York 1. Life Pay Moneyback Regular Income at stages ENTRY 0/55
0/55
0/51
MATURITY 71/75

11. Sahara Life 1. Sampann Regular Income at stages ENTRY 14/55

14/50
MATURITY 70

2. Samriddhi Regular Income at stages ENTRY 15/60

15/55
MATURITY 75

12. Shriram Life 1. ShriVidya Regular Income at stages ENTRY 18/50

Children's Plan MATURITY 70

13. Aviva Life 1. Dhan Vriddhi Regular Income at stages ENTRY 13/18 to 55
MATURITY 65/70

14 Met Life 1. Sukh Regular Income at stages ENTRY 15 to 55

MATURITY 75

2. Bhavishya Children's Plan ENTRY Parent: 20/50

ENTRY Child: 0 to 8/12
MATURITY 21/25- entry age of child

3. Junior Moneyback Children's Plan ENTRY Child: 0/14

 MATURITY

15. Bharti AXA 1. SaveConfident Regular Income at stages ENTRY 12 to 55

MATURITY 70
TERM (yrs) STAGEWISE IN % Min/Max SA MINIMUM PREMIUM

15 10, 15 ,25, 25, 50+bonus 50K/NL Y-5000, HY-2500,

20 same Q-1250, M-500
25 same
30 same

payouts from age 18 1L/50L Y-5000, HY-3000,

at interval of 1,2 yrs Q-3000, M-700

18/18-entry age of chil 20+B, 25,25,35

same 25+B, 25,25,35

10 30, 35, 45 50K/5CR .

15 10,15,20,25,45
20 10,15,20,25,50
25 10,15,20,25,55

10 pay in 6 5yrs@20 pa 50K/5CR .

20 pay in 6 10yrs@10 pa
20 pay in 10 5yrs@20 pa
25 pay in 10 10yrs@10 pa

10 to 40 . 10x annual base premium 9600 or 1200*7=8400

20 20 x 3,40+bonus 50K/NL .
25 15 x 3,40+bonus

15 pay in 12 30,30,40,bonus 50K/NL .

20 pay in 15 25 x 4,bonus
25 pay in 18 20 x 5,bonus

9 15 x 2, total premium+bonus 20K/Nl .

12 15 x 3, total premium+bonus
15 15 x 4, total premium+bonus

15 20 x 4, 20+bonus . Y-8000, HY-4000,

20 20 x 4, 20+bonus Q-2000, M-750
25 20 x 4, 20+bonus

16 20 x 3,40+bonus . Y-3000, HY-1500,

20 Q-750

16 20 x 3,40,100+bonus on maturity . Y-8000, HY-4000,

20 20 x 3,40,100+bonus on maturity Q-2000, M-750
24 20 x 3,40,100+bonus on maturity

7 to 34 end of 4th yr, every 3yrs hence 25K/50L .

5 to 25 Last 4 yrs: 25 x 4, 25K/NL .

maturity: bonuses

21 10 every 3 yrs till 21 yrs . .

balance on maturity

10 40, 60+bonus . .
15 30 x 2, 40+bonus
20 25 x 3, 25+bonus
25 20 x 4, 20+bonus
30 15 x 5, 25+bonus
 15 25 x 2,50+20 . 4000
20 20 x 3,40+30
25 15 x 4,40+40

16 10,20,30,50+10+bonus . .
20 10,15,20,25,40+10+bonus
24 10,10,15,15,20,40+10+bonus

15 20,20,30,30+bonus 50K/NL .
20 20 x 5, bonus

15 10,15,20,25,40+bonus . .
20 10x 2, 15 x 4, 30+bonus

10 to 20 25 x 4 at n-3,n-2,n-1 and n 50K/NL .

10 to 25 20 every 5 yrs till maturity 50K/NL Y-5000

20 20 x 3, 40+bonus 75K/NL 8000

21/25- entry age of chil Option : Age of child= Payout 1L/NL 6000
A: 15=20%, 17=30%, 20=50%, 21=GA
y age of child B: 17=20%, 21=30%, 23=50%, 25=GA

20 end of 5,10,15,survival to maturity: 50K/NL 5000

 20 x 3, 40+bonus

12, benefit-15 6to11yrs 5 . 6000

12to14yrs 10
15th yr 50
INCREASE IN SA PREMIUM PAYING MODE DEATH BENEFIT

YES: marriage, Y, HY,Q, M 1x,2x,3x,4x

1&2 childbirth depending on plan +
Vested Bonuses

NO Y, HY,Q, M Sum Assured +

Vested Bonuses

NO . Sum Assured +
Vested Bonuses

NO . Sum Assured +
Vested Bonuses

Automatically . Sum Assured

NO Y,HY,Q,M Sum Assured +

Vested Bonuses

YES every 5yrs Y,HY,Q,M Sum Assured +

Vested Bonuses
NO Single, Regular Sum Assured +
Vested Bonuses

NO . Sum Assured +
Vested Bonuses

NO Y,HY,Q Sum Assured +

Vested Bonuses

NO Y,HY,Q,M Sum Assured +

Vested Bonuses

NO Y,HY,Q,M Sum Assured +

Vested Bonuses

NO Y,HY,Q,M Sum Assured +

Vested Bonuses

NO . Sum Assured +
Vested Bonuses

NO Y,HY,Q Sum Assured +

Vested Bonuses
YES Y,HY,Q,M Sum Assured +
Vested Bonuses

NO Y,HY,Q,M Sum Assured +

Vested Bonuses

YES . Sum Assured +

Vested Bonuses

NO Y,HY,Q,M Sum Assured +

Vested Bonuses

NO Y,HY,Q,M Sum Assured +

Vested Bonuses

NO Y,HY,Q,M Sum Assured

NO Y,HY,Q,M Sum Assured +

Vested Bonuses

NO Y, HY,Q, M Sum Assured +

Vested Bonuses

NO Y, HY,Q, M Sum Assured +

 Vested Bonuses

NO Y,HY,Q,M Sum Assured +

Vested Bonuses
LOANS SURRENDER TAX

NO 30% 80C, 80D, 10(10)D

NO 30.00% 80C, 10 (10)D

. YES after 4 yrs 80C, 80D, 10(10)D

. YES 80C, 10(10)D

. 0-85% 80C, 80D, 10(10)D

NO 30% 80C, 10(10)D

NO 30% 80C, 10(10)D

 NO 30% 80C, 10(10)D

. YES 80C, 10(10)D

. . 80C, 10(10)D

after premium paying term After 3 yrs 80C, 10(10)D

. . 80C, 80D, 10(10)D

90%SV YES 80C, 80D, 10(10)D

. 30% 80C, 80D, 10(10)D

. 50% 80C, 80D, 10(10)D

 . 30% 80C, 80D, 10(10)D

. YES 80C, 10(10)D

. . 88, 10 (10)D

NO 30% 80C, 10 (10)D

90%SV 30% 80C, 10 (10)D

30% 80C,10(10)D

. YES 80C, 80D, 10(10)D

. 30.00% 80C, 80D, 10(10)D

. YES 80C, 10 (10)D

35% YES 80C, 10(10)D
FEATURES AVAILABLE

1. Basic/double/triple/quadraple protection
2. High premium rebates available

1. Inbuilt riders:
-Premium Waiver Benefit
-Family Income Benefit
-Option to purchase further insurance at maturity

1. Rebates for women

2. High premium rebates available

1. Limited premium paying option

1. Preponement of maturity allowed

2. Reinstatement within 2 yrs

1. Risk Cover increases every 5yrs

1. Rebates for higher sum assured

1. SA paid on death to child if during policy term

all future premiums waived
2. Child still paid on predetermined regular intervals

1. Death within 2yrs after min 2yrs premium paid SA paid

1.Moneyback on regular intervals

2. SA on death or end of term

1. Inbuilt Waiver of premium

2. High sum rebate

1. Inbuilt Waiver of Premium

1. 10% bonus on death/10yrs

2. Automatic Premium Loan
3. Reinstatement within 5yrs
4. Reduced payup if premiums not payed after 3yrs

1. Payback at intervals of 5 yrs

1. Payback at intervals of 5 yrs
2. Increasing death benefit @7%
3. Automatic cover maintainence
4. Reinstatement within 2 yrs

1. Extended SA available for min. 5yrs

1. Increasing death benefit:

upto 5yrs 100/100
5-10 150/150
10-15 200/200
15-20 NA/250

1. Guaranteed additions @70/1000 pa

2. Rebates for higher sums

1. Guaranteed additions @100/1000 pa

1. Guaranteed additions @50/1000 pa + 20% on maturity

1. Guaranteed additions @100/1000 pa

RIDERS AVAILABLE

1. Family Income Benefit

2. Comprehensive Accident Protection
3. Critical Illness
4. Hospital cash benefit
5. MahilaGain

Inbuilt

1. Pure Term
2. Critical Illness
3. Accidental death/Permanent Disability
4. Premium Waiver

1. Pure Term
2. Accidental death/Permanent Disability

1. Accidental Death and Dismemberment

1. Accident Benefit
.

1. Term Rider
2. Accident Death
3. Accidental Death, Disability & Dismemberment
4. Waiver of Premium

1. Term Rider
2. Accident Death
3. Accidental Death, Disability & Dismemberment
4. Waiver of Premium

1. Accidental Death, Disability & Disablement

2. Critical Illness

1. Accidental Death Benefit Rider

2. Critical Illness Benefit

1. Term Benefits
2. Accident Benefits
3. Disability Benefits
4. Critical Illness Benefits

1. Term Benefits
2. Accident Benefits
3. Disability Benefits
4. Critical Illness Benefits
1. Accidental Death Benefit
2. Permanent Disability Benefit
3. Critical Illness Benefit
4. Life Guardian Benefit
5. Accidental Disability Guardian Benefit

1. Term Rider
2. Dread Disease
3. Waiver of Premium
4. Personal Accident Benefit
5. Payor Benefit

1. Accidental benefit/Total & Permanent Disability

1. Accidental benefit/Total & Permanent Disability

1. Accident Benefit

1. Accidental Death Benefit

1. Accident Death Benefit

2. Waiver of premium
3. Term Rider
4. Critical Illness

1. Accident Death Benefit

2. Waiver of premium
3. Term Rider
4. Critical Illness

NO
1.Premium-12yrs, Term-15yrs
2. Payouts from 6th yr for 10 yrs @110%SA
3. Accident Death Benefit
EXCLUSIONS

1. Premium revised on change of occupation

1. AIDS cover under term cover

.
.

.
.

1. Death before age 10 all premiums repaid with interest