A Reliance Capital company Strictly For Internal Communication Only Reliance Super InvestAssure Plan June 3 rd, 2008 Get More Than You Can Ask For!

A Reliance Capital company Strictly For Internal Communication only I have earne d mone y with much effort s Savings will help me protect my money I have my own financial needs With money protection I also need life protection I should have options as per my risk capacity Currently which are good investment avenues? Will these investments reap required returns and safeguard my money

A Reliance Capital company Strictly For Internal Communication only How do I fulfill my needs? I want a Complete Plan addressing my needs Financial Planning Security Flexibility Investment Return

A Reliance Capital company Strictly For Internal Communication only Wide Investment Options with over 7 funds Liquidity through Partial Withdrawals Protection with Life Cover, additional protection with Accident & Health Riders Rewards in form of Guaranteed Additions of upto 250% of annual premium amount Tax saving u/s 80 C, 80D & 10 (10D) Unmatched flexibility on your investments RELIANCE SUPER INVESTASSURE PLAN

A Reliance Capital company Strictly For Internal Communication only Loyalty Additions….makes you Earn More !!!!  50% of First Year’s basic premium added to the Fund Value on 10th policy anniversary And..  Every 5th policy anniversary thereafter as long as the policy is in force Earn up to 250 % of First Year Basic Premium as Loyalty Additions during the policy term

A Reliance Capital company Strictly For Internal Communication only Build Your Own Portfolio – Choice of 8 Funds  Flexibility to choose from the wide Fund Options like : ­ Equity Fund ­ Corporate Bond Fund ­ Money Market Fund ­ Gilt Fund ­ Infrastructure Fund ­ Energy Fund ­ Mid Cap Fund ­ Pure Equity Fund New Choose your own MIX !!!!! New

A Reliance Capital company Strictly For Internal Communication only  Systematic Transfer Plan – Minimize risk due to market volatility ­A procedural shift from a low risk investment in to equities ­The initial amount is invested in the Gilt fund ­25% of units transferred to equity fund every week for equivalent fund value ­ In effect Cost per unit is averaged out.  Top-Up your investment ­Top-ups allowed only if all the due regular premiums till date are paid ­Maximum top-up allowed is 25% of the total regular premiums paid till date ­Minimum Top up can be Rs 2500/-  52 free switches in a year ­Alter your fund mix as per your requirements  Settlement Option ­Maturity proceeds can be withdrawn in periodic installments within the last 5 years of the policy  Premium Redirection ­Alter fund allocation of future premiums ­Redirection will not affect premiums allocated prior to the request ­Available free of cost Unmatched Flexibility To Manage Your Funds

A Reliance Capital company Strictly For Internal Communication only Total Protection  Life Cover Upto 20 times the Annual Premium depending on age  Option to choose any of the 4 following Riders – ­Reliance Critical Conditions (25) Rider ­Reliance Major Surgical Benefit Rider ­Reliance Term Life Insurance Benefit Rider. ­Reliance Accidental Death and Total & Permanent Disablement Rider Any or all of the 4 riders can be chosen subject to the sum of rider premiums not exceeding 30% of the premiums paid under Basic Plan.

A Reliance Capital company Strictly For Internal Communication only Liquidity….whenever you want it the most…  It is possible to make a full or a partial surrender of the plan before the maturity date.  Surrender Value is acquired immediately on payment of the First premium. However, it is payable only after completion of three policy anniversaries  Partial Withdrawals ­ Are allowed anytime after 3 policy years or attainment of age 18 whichever is later. ­ Policy continues to remain in force ­ Withdrawal charges are equal to surrender charges  Total Withdrawals i.e. Surrender ­ Allowed anytime after 3 years ­ Policy ceases after surrender

A Reliance Capital company Strictly For Internal Communication only Tax Benefits  As per Income Tax Act, 1961premiums are eligible for tax deduction as under, ­Premiums paid in respect of basic policy – u/s 80 C of the Act. ­Premium paid under Reliance Term Life Rider – u/s 80C of the Act ­Premium paid under the Reliance Accident Benefit Rider – u/s 80 C of the Act ­Premium paid under Reliance Major Surgical Benefit Rider and Reliance Critical Conditions (25) Riders – u/s 80D of the Act.  The benefits under this plan and riders are tax exempt u/s 10 (10D) of the Act.  Partial or Total Withdrawal under the plan is exempt u/s 10 10(D) of the Act.

A Reliance Capital company Strictly For Internal Communication only Customer Allocation Allocation as % of Premium  1 st Year Allocation in Customer Fund 20%  2 nd & Subsequent Year Allocation 95%  Guaranteed Additions ­10 th Year 50% ­15 th Year 50% ­20 th Year 50% ­25 th Year 50% ­30 th Year 50%

A Reliance Capital company Strictly For Internal Communication only Fund Management Charge Fund NameAnnual Rate Equity Fund1.50% Corporate Debt Fund1.25% Money Market Fund1.25% Gilt Fund1.25% Infrastructure Fund1.50% Energy Fund1.50% Midcap Fund1.50% Pure Equity Fund1.50% Fund C –Pure Debt fund1.30% Service Tax charge or any other charges, as may be levied by Governmental authorities, on Fund Management Services or any other services, as may be applicable, shall be recovered from the policyholder.

A Reliance Capital company Strictly For Internal Communication only Choosing the Sum Assured Minimum Sum Assured  Minimum Sum Assured - 5 times of the Annualized Premium  Maximum Sum Assured - As per the Table Age at entry (last birthday)Maximum Sum Assured 0 to 4020 times of Annualized Premium 41 to 4515 times of Annualized Premium 46 to 5010 times of Annualized Premium 51 to 605 times of Annualized Premium

A Reliance Capital company Strictly For Internal Communication only Product Limits Basic PlanMinimumMaximum Age at Entry30 days60 years Age at Maturity15 years75 years Policy Term15 years30 years

A Reliance Capital company Strictly For Internal Communication only Premium Modes & Limits ModeMinimumMaximum YearlyRs. 5,000/- No Limit Half YearlyRs. 2,500/- QuarterlyRs. 1,250/- MonthlyRs. 500/- Top UpRs. 2,500/- No Limit (Subject to Max 25% of Total Premium Paid)

A Reliance Capital company Strictly For Internal Communication only Non Medical Limits Age Limit with standard Limit with non (years) age proofs standard age proofs ,000,000 1,000, ,500,000 1,000, ,000, , , , & above 100, ,000

A Reliance Capital company Strictly For Internal Communication only Benefit Summary  Regular Premium Unit Linked Insurance Plan  Guaranteed Addition’s – up to 250% of annual premium in addition to earnings growth (10 th year 50% - 15th year – 50%, 20 th year 50%, 25th year 50% and 30th year 50%)  Wide array of 8 fund options including 3 Sectoral Funds and a Pure Equity Fund  Liquidity through partial withdrawals  Life Cover upto 20 times Annual Premium Depending on Age  Unparalleled investment flexibility through Free Switches, Top-ups, Systematic Transfer, Premium Redirection and Exchange  Additional Protection with Riders (Reliance Term Life, Reliance Accidental Death & Total & Permanent Disablement, Reliance Critical Conditions (25) & Reliance Major Surgical Riders)

A Reliance Capital company Strictly For Internal Communication Only Thank you Strictly for internal Circulation only