Reliance Total Investment Plan Series

Sales Pitch and Competitor Comparison

March, 2008

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An Investor’s Wishlist….

 Maximum Growth

 Complete Flexibility

 Easy Liquidity

 Tax Benefits

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Now get all this and more ….

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Presenting Reliance Total Investment Plans

that give you ‘Total Investment, Total Flexibility’

 Invest as much as you want, anytime you want

 7 Funds and 52 Free Switches every year
 Easy Liquidity with Partial Withdrawals - absolutely free !
 Charges as low as 1% for subsequent purchases
 Tax Benefits
- All Investments eligible for tax deduction under section 80C
- Fund Value completely tax exempt under section 10(10D) upto age 45
 For the first time – 3 New Fund Offers in the same plan
Infrastructure Fund Energy Fund Mid-Cap Fund

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Reliance Total Investment Plans – Key Features at a Glance
Reliance Total Investment Plan Series I –
Insurance (TIPS I)
 Unit linked Plan
 Pay single premium and relax
 Option to purchase same plan in
subsequent years with reduced allocation
charges as low as 1%.
 7 Fund Options (3 New Funds)
 52 Free Switches in a year
 Partial Withdrawals free of cost
 Choose any Life Cover between 1.25 to 5
Times of Single Premium
 Exchange Option
 Settlement Option
 Systematic Transfer Plan under Equity
Fund
Strictly for internal Circulation
Reliance Total Investment Plan Series II –
Pension (TIPS II)
 Unit linked Plan
 Pay single premium and relax
 Option to purchase same plan in
subsequent years with reduced allocation
charges as low as 1%.
 7 Fund Options (3 New Funds)
 52 Free Switches in a year
 Systematic Transfer Plan under Equity
Fund
A Reliance Capital
Basic Plan Benefits
Reliance TIPS I - Insurance
 Payable on survival of the Life Assured
up to the end of the policy term,
provided the policy is in force
Maturity  Fund value as on the date of maturity
Benefit relating to the basic policy
Plus
 Fund Value under top-up contributions
(if any), as on the date of maturity.
 Payable on death of the Life Assured
during the policy term, provided the policy
is in force
Death  Fund value or Sum Assured whichever is
Benefit higher, on the date of intimation of death
Plus
 Fund Value under top-up contributions (if
any), as on the date of the death
Strictly for internal Circulation
Reliance TIPS II - Pension
 Payable on survival of the Policyholder
up to the end of the policy term,
provided the policy is in force
 Complete Fund value of basic plan +
top up amounts, as on the date of
maturity used to purchase annuity
OR
 Commute 1/3rd of the fund value as
mentioned above as tax free lump sum
and use balance to purchase annuity
 Payable on death of the Policy Holder
during the policy term, provided the
policy is in force
 Complete Fund value of basic plan
+ top up amounts ,as on the date of
intimation – paid as lump sum or used to
purchase annuity by beneficiary
A Reliance Capital
Fund Options

 Under both TIPS I - Insurance and TIPS II - Pension , you have a wide range
of 7 fund options including 3 new funds
 Infrastructure Fund

­ Energy Fund
­ Midcap Fund
­ Money Market,
­ Corporate Bond,
­ Gilt &
­ Equity Funds.

 The maximum allocation towards Money Market cannot exceed 40% of the
premium contribution at any point in time.

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 Partial Withdrawal Facility for TIPS I -
Insurance
 Partial Withdrawals benefits:
- Partial withdrawal facility to provide money at at your need
- Allowed after three years – max withdrawal amount is mentioned
below:
 Year 4 to 5 : 10% of FV
 Year 6 to 9: 15% of FV
 Year 10: 20% of FV

- During the last 5 years but after 3 years from commencement, 95% of
the fund value under the basic plan can be withdrawn

- Partial withdrawal will also be available under each top up fund, after
three years from the date of receipt of the top up premium

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 Subsequent Purchases

On purchasing the same plan in the subsequent years

 Benefit of reduced allocation charges.
 Opportunity to pay any amount of Premium, subject to min. premium limit
 You can increase your life cover (under TIPS I) and investments.
Only under TIPS
Sum Assured

ent
6th Purchase
st m
Inve 5th Purchase

4th Purchase
3rd Purchase
2nd Purchase
1 st Purchase
I

1 2 3 4 5 6 7 8 9 10
Years

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 Charges
 Fund Management Charges
- Equity/Infra/Energy/Midcap - 1.50%
- Money Market/Gilt/Corporate Bond - 1.25%
- Fund C (For Settlement only) - 1.30%

 Allocation Charges
- Reduced Allocation Charges for Subsequent purchases in subsequent years

Year Purchase Allocation

charge

1 1st Purchase - Classic 5%

2 2nd Purchase - Silver 4%
3 3rd Purchase - Gold 3%
4 4th Purchase - Diamond 2%
5 5th Purchase - Platinum 1%

Top Up 1%

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 Commission Rates

Reliance total Allocation charge Commission Rates

Investment Plan
Series I &II
Classic 5.00% 2.00%
Silver 4.00% 1.50%
Gold 3.00% 1.00%
Diamond 2.00% 0.50%
Platinum 1.00% 0.50%

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 How the Plan
Works
Classic Silver Gold Diamond Platinum
AC*=5% AC=4% AC=3% AC=2% AC=1% Maturity

Year 1 Year 2 Year 3 Year 4 Year 5

Year10
Policy Policy Policy Policy Policy
Term=10Yr Term=9Yr Term=8Yr Term=7Yr Term=6Yr

•If Silver is not purchased in the 2nd year then it can be purchased in the 3rd ,4th ,5th yr with PT**=8,7 and 6Yr
respectively.
•If Gold is not purchased in the 3rd year then it can be purchased in 4th ,5th yr with PT=7 and 6 yr respectively.
•If Diamond is not purchased in the 4th year then it can be purchased in 5th yr with PT=6.
•Platinum can only be purchased only in the 5th year.

Next policy can only be purchased if all preceding policy have been purchased and are
in force.
All the policies should end in the same date.

*AC=Allocation Charges; **PT=

Policy Term
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Snapshot of Policy Conditions
Basic Plan Minimum Maximum
Age at Entry 18 Years Maximum entry age depends on the policy term
(Last Birthday)
Policy Term Maximum entry age
10 60
9 61
8 62
7 63
6 64
Age at Maturity 28 Years 70 Years
(Last Birthday)
Premium TIPS I – Insurance Rs.25000 No Limit
(Single Premium) upto age 40
Rs 50000 above age 40
TIPS II- Pension
Rs 25000 for all ages
Policy term (It is fixed depending upon the policy year of first purchase)

Policy Year of first

Purchase 1 2 3 4 5

Policy term 10 9 8 7 6

A Reliance Capital
Benefit Summary

Reliance Total Investment Plan Series

Investment Tax Benefit Easy Low Cost Flexible Life

Flexibility Liquidity Cover

Invest any amount, Premium – u/s Partial Allocation Charge Ranging 1.25 to 5
any time 80C of IT Act 1961 Withdrawal free as low as 1% for Times of the
of charges! Under subsequent Single Premium
7 Funds including 3 TIPS I – purchases under TIPS I -
new sectoral funds Maturity – u/s Insurance Insurance
10(10D) of IT Act.
52 Free Switches 1961 (TIPS I –
Every Year Insurance)

Exchange Option -
TIPS I to TIPS II

Systematic Transfer
Plan

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 Happy Selling

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