Reliance Easy Retirement Solution Quotation No: E08302019130090850210

Advertisement Disclaimer
͞This advertisement is designed for combination of Benefits of two individual and separate plan types named (1) Reliance Nippon Life's Guaranteed Money Back Plan (UIN:
121N084V03) (2) Reliance Nippon Life Immediate Annuity Plan (UIN-121N012V02). The Customer has the choice of purchasing any one or more plan types as per his/her
need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the Insurer and presented in this advertisement. The
customer is expected to ask questions, understand and satisfy himself that the combination meets his/her specific needs better before deciding to purchase the
combination. This Benefit Illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer
the detailed sales brochure of respective individual products mentioned herein.͟
Easy Retirement Solution
Income for life

Presentation for LEO

LEO, a comfortable life is one of the most important goals of your life and requires disciplined financial planning. Ordinary savings can get frittered away due to unforeseen
expenses. So you need a complete solution which will help you to build a retirement corpus, provide you regular income and help to leave a legacy for your Spouse/Child.
That͛s not the only goal you have, you also want lump sum payouts for various financial obligation before your retirement.
Keeping this in mind, we have designed ͞Easy Retirement Solution͟for you to get guaranteed and periodic lump sum payout along with whole life regular income for
yourself along with leaving a corpus for your spouse and child. This solution is a combination of Reliance Nippon Life's Guaranteed Money Back Plan (a non-linked non-par
insurance plan) and Reliance Nippon Life Immediate Annuity Plan (a non-linked non-par annuity plan).

This solution works in two phases:

Investment phase
In this phase, you will purchase Reliance Nippon Life's Guaranteed Money Back Plan and pay premium.

Premiums payable

Year 1 to 10 years Rs. 500,000

Pay premium of Rs. 500,000 p.a for 10 Years Get Reliance Nippon Life's guaranteed
money back benefits Rs. 646,262 on
11,12,13 and 14th Year

Get final Reliance Nippon Life's guaranteed money back benefits

Rs. 1,723,365 plus accrued guaranteed loyalty addition and
guaranteed maturity addition Rs. 1,938,786 on maturity of the
policy in the 15th Year

Income phase
In this phase, you have the option to use the final periodic money back benefit plus maturity benefits of Reliance Nippon Life's Guaranteed Money Back Plan received on
maturity to purchase Reliance Nippon Life Immediate Annuity Plan ͞Life Annuity with ROP͟option with ͞Yearly͟annuity.

Benefits

Benefits received during the maturity year Annual income from year 16** Lump sum payout to the nominee on death of the Life
of Reliance Nippon Life's Guaranteed Money Back Plan Assured after purchasing annuity
to be used to purchase Reliance Nippon Life Immediate
Annuity Plan

Rs. 3,662,151 Rs. 202,102 Rs. 3,597,398

 Whole life Income of Rs. 202,102 p.a. will continue Nominee gets lump sum of
for you 3,597,398***

Lump Sum Premium of Rs. 3,662,151

Death of the Life Assured

Benefits stipulated are available only if all the premiums are paid as per the premium paying term and the policy is in-force till the completion of entire policy term opted for.

Your policy offers assured benefits, this will be clearly specified in the Benefit illustration as Maturity Benefit and declared at the inception of policy.

For the purpose of illustration, we have combined the premiums payable and benefits that you may receive under each plan of this solution. These products are also
available without combination.
To know the details of this solution, please go through the ͞Terms and conditions͟mentioned in the ͞Customer Declaration͟section and the benefit illustrations of
individual products as provided to you.

Easy Retirement Solution- Benefit illustration

Premiums payable

Year 1 to 10 years Rs. 500,000

Benefits

Maturity benefit at the end of year 15 Annualised Income from year 16 Lump sum payout to nominee on
through Reliance Nippon Life's Guaranteed Money Back through Reliance Nippon Life Immediate Annuity Plan death of the Life Assured
Plan

Rs. 3,662,151 Rs. 202,102 Rs. 3,597,398

Benefit Illustration of Easy Retirement Solution

Name of Life Assured LEO Proposal No

Age of Policyholder (Years) 43 Years Policy No

Prepared on 30 Aug 2019 Name of the Insurance Advisor ROSARY ARUL KAVITHA S

Sex Male Unique Identification No. 121N084V03

NRI No Age Proof Standard

Location Details

Customer Communication Address : Tamil Nadu Branch Location : Tamil Nadu

Annualised Premium on Basic

Policy Term(years) 15 Years Mode of Premium Payment Yearly 500,000
Plan (Exclusive of GST) ()
Amount of Installment Premium Total Installment premium payable^ Year Total Installment premium
500,000 522,500 511,250
(Exclusive of GST)() 1 payable^ Year 2

Sum Assured for Basic Plan 4,308,413 Maturity Age (years) 58 Years Premium Paying Term(years) 10 Years

Age Proof Standard

Year Age Annualised GST Premium Basic Sum Guaranteed Guaranteed Death Benefit Benefit Paid Money back Maturity Applicable Annual
of Premium on (inclusive Assured Loyalty Maturity on benefit Benefit Surrender income
Polic (exclusive premium of GST) Addition Addition Death due to at end of year Value through
yhol of accrued at the accident Reliance
der GST) end of the year Nippon life
Immediate
Annuity Plan

1 43 500,000 22,500 4,308,413 86,168 0 5,000,000 9,308,413 0 0 100,000 0

522,500
 2 44 500,000 11,250 4,308,413 172,337 0 5,000,000 9,308,413 0 0 300,000 0
511,250

3 45 500,000 11,250 4,308,413 258,505 0 5,000,000 9,308,413 0 0 750,000 0

511,250

4 46 500,000 11,250 4,308,413 344,673 0 5,000,000 9,308,413 0 0 1,000,000 0

511,250

5 47 500,000 11,250 4,308,413 430,841 0 5,000,000 9,308,413 0 0 1,250,000 0

511,250

6 48 500,000 11,250 4,308,413 517,010 0 5,000,000 9,308,413 0 0 1,500,000 0

511,250

7 49 500,000 11,250 4,308,413 603,178 0 5,000,000 9,308,413 0 0 1,855,000 0

511,250

8 50 500,000 11,250 4,308,413 689,346 0 5,000,000 9,308,413 0 0 2,240,000 0

511,250

9 51 500,000 11,250 4,308,413 775,514 0 5,000,000 9,308,413 0 0 2,700,000 0

511,250

10 52 500,000 11,250 4,308,413 861,683 0 5,250,000 9,558,413 0 0 3,150,000 0

511,250

11 53 0 0 4,308,413 947,851 0 5,250,000 9,558,413 646,262 0 2,815,761 0

0

12 54 0 0 4,308,413 1,034,019 0 5,250,000 9,558,413 646,262 0 2,732,651 0

0

13 55 0 0 4,308,413 1,120,188 0 5,250,000 9,558,413 646,262 0 2,632,919 0

0

14 56 0 0 4,308,413 1,206,356 0 5,250,000 9,558,413 646,262 0 2,513,241 0

0

15 57 0 0 4,308,413 1,292,524 646,262 5,250,000 9,558,413 1,723,365 1,938,786 0 0

0

16 58 0 0 0 0 0 0 0 0 0 0 202,102
0

Premium Base Plan NSAP Extra Total Payable

Installment Premium Without GST 500,000 0 500,000

Installment Premium With GST (Year 1) 522,500 0 522,500

Installment Premium With GST (Year 2) Onwards 511,250 0 511,250

^ Total installment premium payable is inclusive of Goods and Services Tax (GST) & cess and extra premium for non standard age proof (NSAP), if any.

Reliance Nippon Life Insurance Company Limited is a fully licensed life insurance company registered with the Insurance Regulatory and Development Authority of India
(Registration No: 121) in accordance with the provisions of the Insurance Act 1938."

Disclaimers:-

1. The customer is advised to refer the detailed sales literature of the respective individual products, segregated premium particulars of each product.
2. The premium amount shown above is calculated assuming that the life Proposed/Assured is a normal healthy person.
3. In the event the Life Proposed/Assured is suffering from any sickness/ medical problems or in the event of any past medical history, the premium will be adjusted
accordingly, as per the underwriting guidelines of Reliance Nippon Life Insurance Company Limited.
4. This premium shown above is indicative. Depending upon the factors such as health, occupation of the customer and other intrinsic factors such as non submission of
documentary evidences like age proof, the premium will be adjusted accordingly, as per the underwriting guidelines of Reliance Nippon Life Insurance Company Limited.
5. For details of the rates and the terms and conditions applicable to the particular person/policy, kindly refer to the specifications in the policy document after issuance.
6. Goods and Services Tax (GST) along with Cess (inclusive of Kerala Cess), if any, as applicable, is levied on first year and renewal premiums on base policy premium and on
rider premiums. The Goods and Services Tax (GST) rate and Cess (inclusive of Kerala Cess), if any, as applicable, will be revised as and when notified by the Government.
Taxes, duties or surcharges of whatever description levied by any statutory authority will be applicable.
7. For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
8. The policy acquires Guaranteed Surrender Value only if first annualized premium have been paid. The surrender value will depend on the year of surrender, the policy
term and premium paying term chosen. Acquired surrender value is payable only after completion of first three policy years. The policy will be terminated once it is
surrendered.
9. Subject to the guaranteed surrender value, the company may however pay a special surrender value calculated according to the basis and method in use from time to
time. Special surrender value is a non guaranteed benefit.
10. Guaranteed Surrender Value & Special Surrender value is calculated at year end after paying survival benefits.
11. If premium paying term is less than 10 years, the policy acquires a paid up value after two years full premiums are paid. If premium paying term is equal to more than 10
years the policy acquires a paid up value after three years full premiums are paid. Please refer to sales brochure for more details.

*Premium payable shown in the table above is exclusive of Goods and Services Tax (GST).

** The annuity rates are not guaranteed. It is based on the current annuity rates and options available under "Reliance Nippon Life Immediate Annuity Plan (UIN-
121N012V02)"
To know the details of each plan of this combination solution, please go through the benefit illustration of individual products as provided to you.
 Easy Retirement Solution

Customer Declaration for LEO

*Reliance Nippon Life Immediate Annuity Plan to be purchased at the maturity of Reliance Nippon Life's Guaranteed Money Back Plan.

I understand that

1 This combination solution comprises of set of policies across one or more products of the company.I have been made aware that these products are also available
. individually with the Company and it is not mandatory for me to apply for this combination only.
2. This is not a product brochure. I have separately gone through the product brochure of Reliance Nippon Life's Guaranteed Money Back Plan (UIN: 121N084V03) and
Reliance Nippon Life Immediate Annuity Plan (UIN: 121N012V02) provided to me and have taken the decision to opt for this combination solution after having fully
understood the risk factors, products terms and conditions as briefly indicated below:
1. Reliance Nippon Life's Guaranteed Money Back Plan: Maturity Benefit, Death Benefit,Premium discontinuation, Surrender, Policy revival etc.
3. In the illustrations, stipulated benefits are assured and declared at the inception of each policy.
4. Tax benefits on premiums paid and benefits received will be applicable as per the prevailing tax laws.
5. The benefit of this combination solution shall become payable only if I continue to pay regular premiums for the entire policy term /premium payment term, as the case
may be
6. The regular income benefit through Reliance Nippon Life Immediate Annuity Plan will be applicable subject to the following conditions:
1.It shall be my sole responsibility to approach the Company after maturity of Reliance Nippon Life's Guaranteed Money Back Plan and utilize its maturity benefit to
purchase Reliance Nippon Life Immediate Annuity Plan or any other similar product, as may be available with the Company at that point of time.
2.Annuity rates are not guaranteed and hence are subject to change from time to time. The actual annuity amount will depend on the prevailing annuity rates at the time
of purchase of Reliance Nippon Life Immediate Annuity Plan. Once the annuity is bought, the rates remain guaranteed for life.
3. I shall have the flexibility to choose any of the annuity options offered by the Company at the time of maturity of the Reliance Nippon Life's Guaranteed Money Back
Plan.
7. The benefits available under the combination solution shall be as per the respective product͛s terms and conditions.
8. The premium quoted above is only the base premium exclusive of Goods and Services Tax (GST) and Cess. The actual premium may comprise of the base premium, extra
premium, rider premium, if any and Goods and Services Tax (GST) and Cess as per applicable rates.
9. The tax laws are subject to amendments from time to time.

I ROSARY ARUL KAVITHA S,hereby confirm that I have understood the combination solution features explained to me. This combination solution consists of the products
detailed herein in the above table. I understand that in order to get the benefits mentioned in the (combined benefit illustration), I shall have to purchase Reliance Nippon
Life Immediate Annuity or a similar product separately, subject to availability at a future date.

Customer͛s Signature

Date:

. For more details on the risk factors, terms and conditions please refer to the sales brochure carefully before concluding the sale.

Reliance Nippon Life Insurance Company Limited (Reg. No 121)

Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai, Maharashtra 400710, India.

Benefit illustration of Reliance Nippon Life's Guaranteed Money Back Plan

Benefit Illustration of Reliance Nippon Life's Guaranteed Money Back Plan

Name of Life Assured LEO Proposal No

Age (Years) 43 Years Policy No

Prepared on 30 Aug 2019 Name of the Insurance Advisor ROSARY ARUL KAVITHA S

Sex Male Unique Identification No. 121N084V03

NRI No

Location Details
Customer Communication Address : Tamil Nadu Branch Location : Tamil Nadu

Annualised Premium on Basic Plan

Policy Term(years) 15 Years Mode of Premium Payment Yearly 500,000
(Exclusive of GST)
Amount of Installment Premium Total Installment premium payable^ Total Installment premium payable^
500,000 522,500 511,250
(Exclusive of GST) Year 1 Year 2

Sum Assured for Basic Plan 4,308,413 Maturity Age (years) 58 Years Premium Paying Term(years) 10 Years

Age Proof Standard

BENEFIT ILLUSTRATION FOR RELIANCE NIPPON LIFE's GUARANTEED MONEY BACK PLAN

Note: Some benefits are guaranteed and some benefits are variable with returns based on the future performance of Reliance Nippon Life Insurance. If your policy offers
guaranteed returns then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable returns then the illustration on this page
will show two different rates of assumed investment returns.These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might
get back as the value of your policy is dependent on a number of factors, including future investment performance. Statement of various charges alongwith growth of the
fund expected over the duration of the policy with assured rate of interest as mentioned.

Benefit illustration table

Age GST Premium Base Sum Guaranteed Death Benefit Paid Money back Maturity Guaranteed Special Applicable
Yea of Annualised on (inclusive Assured Loyalty Guarantee Benefit on benefit Benefit Surrender Surrender Surrender
r Polic Premium premium of GST) Addition d Maturity Death due to at end of year Value (GSV) Value(SSV)* Value
yhol (exclusive accrued at Addition accident
der of the end of
GST) the year

1 43 500,000 22,500 522,500 4,308,413 86,168 0 5,000,000 9,308,413 0 0 100,000 0 100,000

2 44 500,000 11,250 511,250 4,308,413 172,337 0 5,000,000 9,308,413 0 0 300,000 0 300,000

3 45 500,000 11,250 511,250 4,308,413 258,505 0 5,000,000 9,308,413 0 0 750,000 261,842 750,000

4 46 500,000 11,250 511,250 4,308,413 344,673 0 5,000,000 9,308,413 0 0 1,000,000 414,308 1,000,000

5 47 500,000 11,250 511,250 4,308,413 430,841 0 5,000,000 9,308,413 0 0 1,250,000 614,504 1,250,000

6 48 500,000 11,250 511,250 4,308,413 517,010 0 5,000,000 9,308,413 0 0 1,500,000 874,866 1,500,000

7 49 500,000 11,250 511,250 4,308,413 603,178 0 5,000,000 9,308,413 0 0 1,855,000 1,210,784 1,855,000

8 50 500,000 11,250 511,250 4,308,413 689,346 0 5,000,000 9,308,413 0 0 2,240,000 1,641,265 2,240,000

9 51 500,000 11,250 511,250 4,308,413 775,514 0 5,000,000 9,308,413 0 0 2,700,000 2,189,736 2,700,000

10 52 500,000 11,250 511,250 4,308,413 861,683 0 5,250,000 9,558,413 0 0 3,150,000 2,885,019 3,150,000

11 53 0 0 0 4,308,413 947,851 0 5,250,000 9,558,413 646,262 0 2,703,738 2,815,761 2,815,761

12 54 0 0 0 4,308,413 1,034,019 0 5,250,000 9,558,413 646,262 0 2,257,476 2,732,651 2,732,651

13 55 0 0 0 4,308,413 1,120,188 0 5,250,000 9,558,413 646,262 0 1,811,214 2,632,919 2,632,919

14 56 0 0 0 4,308,413 1,206,356 0 5,250,000 9,558,413 646,262 0 1,414,952 2,513,241 2,513,241

15 57 0 0 0 4,308,413 1,292,524 646,262 5,250,000 9,558,413 1,723,365 1,938,786 0 0 0

Premium Base Plan NSAP Extra Total Payable

Installment Premium Without GST 500,000 0 500,000

Installment Premium With GST (Year 1) 522,500 0 522,500

Installment Premium With GST (Year 2) Onwards 511,250 0 511,250

^ Total installment premium payable is inclusive of Goods and Services Tax (GST) & cess, rider premium and extra premium for non standard age proof (NSAP), if any.
*Guaranteed Surrender Value & Special Surrender value is calculated at year end after paying survival benefits
** Acquired surrender value is payable only after completion of first three policy years.
Notes:-

1. The premium amount shown above is calculated assuming that the life Proposed/Assured is a normal healthy person.
2. In the event the Life Proposed/Assured is suffering from any sickness/ medical problems or in the event of any past medical history, the premium will be adjusted
accordingly, as per the underwriting guidelines of Reliance Nippon Life Insurance Company Limited.
3. The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some level
of quantification.
4. The above amounts assume that all premiums are paid when due. Further, the above death and surrender values are illustrated assuming that all the modal/installment
premium payable in a policy year are paid (i.e. the event occurs at the end of the policy year). If death or surrender occur and only some of the modal/ installment
premium are paid, then the death or surrender values will only consist of that premium that has been paid. Accordingly, the death or surrender values at a time other
than at the end of the policy year will be lower than those illustrated above.
Disclaimers:-
1. This premium quotation is indicative. The premium rate charged to the customers may be different depending upon the factors such as health, occupation of the
customer and other intrinsic factors such as non submission of documentary evidences like age proof.
2. Goods and Services Tax (GST) along with Cess (inclusive of Kerala Cess), if any, as applicable, is levied on first year and renewal premiums on base policy premium and on
rider premiums. The Goods and Services Tax (GST) rate and Cess (inclusive of Kerala Cess), if any, as applicable, will be revised as and when notified by the Government.
Taxes, duties or surcharges of whatever description levied by any statutory authority will be applicable.
3. Rider premium rates, (if applicable) have not been taken into account in calculating the base premium.
4. For authoritative details of the rates and the terms and conditions applicable to the particular person/policy, kindly refer to the specifications in the policy document after
issuance.
5. For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
6. Subject to the guaranteed minimum surrender value, the company may however pay a special surrender value calculated according to the basis and method in use from
time to time.The policy acquires guaranteed surrender value after one year full premiums are paid.
7. The policy acquires guaranteed surrender value after one year full premiums are paid.
8. If Premium paying term is less than 10 years, the policy acquires Special Surrender Value after two years full premiums are paid and If Premium paying term is greater
than or equal to 10 years, the policy acquires Special Surrender Value after three years full premiums are paid.
9. Special Surrender Value (SSV) is a non guaranteed benefit. It is calculated as SSV Factor multiplied by the Paid Up Sum Assured. The SSV Factor is dependent on the
benefits payable for the paid up policy and is expressed as a percentage of Paid Up Sum Assured. The company reserves the rights to change the SSV Factor from time to
time depending on the economic environment, experience and other factors, subject to IRDAI approval.
10. Guaranteed Surrender Value is GSV factor multiplied by the total premiums paid , excluding rider premiums and extra premium paid, if any, less any survival benefits
already paid. Policy will acquire GSV only if first annualized premium have been paid. For GSV factors, kindly refer to the Policy document.
11. For policies with premium paying term less than 10, the policy acquires a paid up value after two years full premiums are paid. Please refer to sales brochure for more
details.
12. For policies with premium paying term greater than or equal to 10, the policy acquires a paid up value after three years full premiums are paid. Please refer to sales
brochure for more details.
13. Taxes, duties or surcharges of whatever description levied by any statutory authority will be applicable.
I LEO, having received the information with respect to the above, have understood the above statement before entering into the contract.

Policyholders' Signature:

Marketing officials' Signature:

Company Seal:

Place:
Date:

Reliance Nippon Life Insurance Co. Ltd.

H-block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai, Maharashtra - 4000710, India.