Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co.

Slides:



Advertisements
Similar presentations
The Magic of Jeevan Saral An insight into this unique plan of L.I.C. of India.
Advertisements

MARKET PLUS. Market Trends SENSEX is around10,000 points….. Volatility of Market Awareness of Unit Linked Plans Focus on liquidity.
Confidential Copyright Birla Sun Life Insurance Company Limited Birla Sun Life Insurance Wealth Max.
Invest As you Earn Systematic Investment Plan. Real Return = Returns – Inflation - Tax Real returns are important as they tell you the actual increase.
Financial Risk Management of Insurance Enterprises Interest Rate Caps/Floors.
What is INSPIRE? A S$ denominated recurring single – premium (RSP) Investment Linked Plan. It consist of 5 sub funds: 1.GUARDIAN 2.HARVESTER 3.PLANNER.
LIC’s Jeevan Tarang Celebrating Life. LIC’s Jeevan Tarang This is a with-profits whole of life plan which provides for annual survival benefit at a rate.
The Plan You choose the premium amount and 500% of that is given as sum assured. Part of the premium paid is adjusted towards mortality charges. The rest.
Do you face these objections from clients? Why only % of my 1st year premium is invested ?? Is there any Guarantee ??? It’s my money, why should.
Samridhi Plus Plan no 804. HIGHLIGHTS OF THE PLAN A Unit Linked Insurance Plan that offers best of the Stock Market through Samridhi Plus Fund. Highest.
LIC’s ENDOWMENT PLUS TABLE NO 802.
Secure Plus Pension MDU, July Who is this target consumer? Consumer base, that relates more to traditional kind of products…. Consumers who do not.
UNIT MEETING K.SANKAR SBA. TOPICS FOR THE DAY All the 9-NEW PLANS Review of our TEAM’S Performance YEARLY GOAL Review.
How to | WIN | with UNIFI Companies Orientation Seminar For Producer or Registered Representative use only. Not for use with clients. Ameritas Life Compass.
1 EXIT NG260 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES Custom GrowthCV sm Universal Life Insurance Designed for Cash Value.
Confidential Copyright Birla Sun Life Insurance Company Limited Birla Sun Life Insurance Empower Pension Plan.
The right balance between profit and protection. The Plan Choose the amount you want to invest. You can choose the death benefit between 2 options: Option.
The Plan Gives you the freedom to choose the amount of premium, and invest in market linked funds, to generate potentially higher returns. A part of the.
Birla Sun Life Insurance Wealth Secure Plan
February 2011 This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential.
The insurance plan that gives added protection, savings and multiple options, all in one.
Lic Jeevan Sangam – T 831 Presented by
Life is a journey.
The Plan Gives you the freedom to choose the amount of premium, and invest in market linked funds, to generate potentially higher returns. The premium.
 A mutual fund is a pool of money from numerous investors who wish to save or make money just like you. Its a vehicle for investing in stocks and bonds.
MEANING OF MUTUAL FUNDS :- A Mutual Fund is a financial intermediary that pools the savings of investors for collective investments in a diversified portfolio.
The Magic of Jeevan Saral An insight into this unique plan of L.I.C. of India.
Introducing… A training presentation. This material is strictly meant for circulation within the organization/ solely for training and/or education of.
Introducing This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential.
Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co.
Innovation in Life Insurance! Life & Accident Assurance Co. Life & Accident Assurance Co. Vernon U. Lawrence Vernon U. Lawrence.
Variable & Variable Universal Life Insurance  Variable Life  Combined traditional whole life insurance with mutual fund type of investments 
September 2013 This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI.
Power Income Portfolio For more information call:
Unique Benefits Unique combination of returns of Capital Market with guarantee of highest NAV Potential for very high returns High Liquidity – Surrender.
A Reliance Capital company Strictly For Internal Communication Only Reliance Super InvestAssure Plan June 3 rd, 2008 Get More Than You Can Ask For!
Life without compromises!! Lets plan a holiday!!.
Internal Training Only IUL/GIUL Basic Ying Lin, Jane Fu, Anna Li SMD Base Internal Training.
Another Point of View Endowment Plus JAYNISH SHAH
Birla Sun Life Insurance Company Limited Copyright © Birla Sun Life Insurance Company Limited 2008 Strictly for internal training purpose only JAN, 2011.
A Reliance Capital company Strictly For Internal Communication Only Reliance Life Insurance Money Multiplier Plan UIN: IRDA Approval Awaited.
LIC’S Jeevan Vaibhav (Plan No. 809).
A Reliance Capital company Reliance Wealth + Health Plan Awaiting approval from IRDA.
LIC’s SAMRIDHI PLUS TABLE NO.804.
A Presentation on LIC Insurance Plans
Momentum Protected Index Plan (Momentum PIP) - 100% Option
Sentinel Plan® Summit Bonus Index℠ INTRODUCING THE NEW Summit Bonus Index℠
CAN YOU BE SURE AS TO WHAT MAY HAPPEN TO “U” IN THE NEXT FEW MINUTES???????
1 October 20, This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of.
LIC’s Flexi Plus Plan No Flexi Plus - Highlights Life Insurance Protection Payment of Sum Assured on death Financial protection Payment of Fund.
Insurance solutions exclusively for you, at your workplace!
This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life.
NEW JEEVAN NIDHI TABLE NO. 818 DEFER ANNUITY PLAN DEFER ANNUITY PLAN.
WEALTH PLUS-A UNIQUE PLAN WITH HIGHEST NAV GUARANTEE (VELLORE DIVISION) GREETINGS FROM LIC OF INDIA YOU ARE OUR ESTEEMED POLICYHOLDER WE THANK YOUR PATRONAGE.
ICICI Pru Elite Wealth. Strictly for internal circulation and/or for training/ education of employees/ advisors/ corporate agents/ brokers of ICICI Prudential.
ICICI Pru LifeStage Wealth II. Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI.
Presentation on Comparison of Peak NAV Guarantee ULIP किस में कितना है दम Kis Main Kitna Hai Dum.
Twin Advantage of Saving and Life Cover This material is strictly meant for circulation within the organization/ solely for training and/or education of.
This material is strictly meant for circulation within the organization/ solely for training and/or education of the employees of ICICI Prudential Life.
Switching from NEST to PFG Retirement Plan David Berry Group Pensions Manager.
Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co.
Case study  RRSP to RRIF account Name April XX, 2016.
Retirement Planning Through Life Insurance. Life insurance is a good financial planning instrument to ensure a comfortable retirement, as it provides.
Aviva Dhan Sanchay – An overview.
PRESENTING… A PLAN For Internal Circulation Only Product Development.
UNIT MEETING 20 FEB 2014 S.R. Shardul, Development Officer Hearty Welcome by Shashikant Shardul.
Best Ulip Insurance Policy For You.  What is ULIP?  A ULIP or unit linked insurance plan is a market linked product that combines the best of insurance.
Analyze ICICI Prudential Mutual Fund Schemes Performance
WEALTH PLUS T-801 A TOOL FOR PRUDENT FINANCIAL PLANNING
The Magic of Jeevan Saral
Presentation transcript:

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public.

2 Introduction to ICICI Pru LifeLink Wealth SP Single premium ULIP: Pay premiums only once and stay invested for a long term Choice of 2 portfolio strategies – Fixed and Lifecycle based A unique Dynamic P/E Fund that uses reference to price-earning multiple of a basket of 50 large cap stocks, to determine asset allocation between equity and debt

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 3 Loyalty Addition: Up to 2.5% of Fund Value, at the end of every fifth policy year, starting from the tenth policy year Sum Assured: 125% of premium as the Sum Assured to suit your protection needs Introduction to ICICI Pru LifeLink Wealth SP

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 4 *Age completed birthday Rs. 40, / 20 / 30 years 125% of Single Premium Single Premium Minimum Premium Policy term (yrs) Premium payment term Sum Assured ICICI Pru LifeLink Wealth SP at a glance 0/ 60 years Min/ Max age at entry 18 / 70 years Min/ Max age at maturity

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 5 How the plan works? Premium amount Portfolio strategy Term You need to choose the following for your policy

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 6 How the plan works? After deducting the premium allocation charge, the balance amount will be invested as per the portfolio strategy of your choice At maturity, the Fund Value including Top up Fund Value, if any, will be paid. Alternatively, settlement options can be chosen In the unfortunate event of death of the Life Assured during the term of the policy, your nominee will receive Sum Assured (reduced by partial withdrawals) or Fund Value, whichever is higher

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 7 Choice of portfolio strategy Choose from two unique portfolio strategies: Click to know more

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 8 Single premium amount Loyalty Addition (% of average Fund Value) Rs. 40,000 - Rs. 49,9990.0% Rs. 50,000 – Rs. 99,9991.5% Rs. 1,00,000 - Rs. 4,99,9992.0% Rs. 5,00,000 and above2.5%  Paid at the end of every five policy years, starting from the 10th policy year  The Loyalty Addition will depend on the single premium amount as shown below:  Loyalty Addition will be calculated on the average of the Fund Values on the last day of eight policy quarters preceding the said allocation Loyalty Additions

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 9  At maturity the Fund Value including the Top up Fund Value, if any, shall be payable.  You can also opt for the Settlement Option Click here to know more Settlement Option Maturity benefit

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 10 Death benefit  The nominee shall receive higher of the Sum Assured (reduced by applicable partial withdrawals) or Fund Value, including Top up Fund Value, if any  If the Life Assured is below 7 years of age at the time of death, only the Fund Value, including Top up Fund Value, if any would be payable

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 11 Partial withdrawals  Allowed after completion of 5 policy years  Minimum partial withdrawal amount is Rs.2,000  One partial withdrawal allowed every three policy year (e.g. partial withdrawal can be made once from 6th to 8th policy year, once from 9th to 11th policy year and so on )  Maximum partial withdrawal amount: 20% of the FV as on the date of partial withdrawal  Partial withdrawals are free of cost

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 12 Automatic Transfer Strategy (ATS) ATS is a strategy that will help you mitigate any risk arising from market volatility With this strategy, you can invest your premium as a lump sum amount in our Money Market Fund and transfer a chosen amount every month into any one of the following equity funds: Multi Cap Growth Fund / Opportunities Fund / Bluechip Fund ATS can be chosen in the application form itself The minimum transfer amount is Rs.2000 This facility will be available free of charge and if Fixed Portfolio Strategy is chosen Automatic Transfer Strategy

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 13 Surrender value Surrenders are not allowed during the first five policy years On surrender after completion of the 5th policy year, the policy shall terminate and Fund Value including Top up fund value, if any, will be paid to the policyholder

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 14 Other benefits Switch Customer can shift his investments from one fund to another Four free switches every policy year Available only under Fixed Portfolio Strategy Subsequent switches charged at Rs. 100/- per switch CIPS CIPS (Change in portfolio strategy) Allowed once every policy year and it is free of cost

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 15 Charge structure  Top up allocation change: 1% of top up premium  Premium Allocation Charges: Single PremiumCharge < 5,00,0005% >= 5,00,0004%  Mortality Charge  Charged on a monthly basis based on the sum at risk  Fund management charge: Fund Opportunities Fund, Multi Cap Growth Fund, Bluechip Fund, Multi Cap Balanced Fund, Income Fund, Dynamic P/E Fund Return Guarantee Fund Money Market Fund FMC1.35% p.a.1.25% p.a.0.75% p.a. There will be an additional charge of 0.25% p.a. towards the cost of investment guarantee for the Return Guarantee Fund.  Pol Admin Charge: Rs. 60 p.m. for three policy years

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 16 Foreclosure condition If, after three policy years have elapsed, the Fund Value falls below Rs. 10,000, the policy shall be terminated by paying the Fund Value, post deduction of surrender charges (if any).

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 17

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 18 Trigger Portfolio Strategy Trigger strategy is an event based portfolio rebalancing strategy Event: The Trigger event is the upward or downward movement in NAV of Multi Cap Growth Fund by 15% Initial asset allocation: Premiums are invested in proportion given below: 25%Income Fund 75% Multi Cap Growth Fund

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 19 Trigger Portfolio Strategy On the occurrence of trigger event  Fund value in Multi Cap Growth Fund in excess of 3 times of Income Fund value is considered as gains  Gains made are transferred to Money Market Fund to protect them from future market volatility In case there are no gains to be capitalized  Funds in Multi Cap Growth Fund and Income Fund are redistributed in a 75 : 25 proportion  No transfer to or from Money Market Fund will be done Working of the strategy

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 20 Trigger Portfolio Strategy Working of the strategy Buy low and Sell high Book gains when markets move up Protect gains when markets move down

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 21 Fixed Strategy This portfolio strategy offers the flexibility of allocating investments as per customer’s choice Customers can choose their own asset allocation using any of the 7 available funds

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 22 Bluechip Fund Opportunities Fund Equity (Large Cap) Equity (Large, Mid & Small Cap) Income Fund Reward Risk Multi Cap Balanced Fund Equity (Resources, Investment, Consumption, Human Capital) Multi Cap Growth Fund Money Market Fund Dynamic P/E Fund Fixed strategy: 7 investment funds

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 23 Introducing Dynamic P/E fund  A unique fund that uses reference to price-earning multiple of a basket of 50 large cap stocks, to determine asset allocation between equity and debt  It uses rules based on the movement of P/E ratio:  To capitalize on the upside potential, and  To limit the downside risk

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 24 Low P/E Good opportunity to buy Attractive market valuation indicatesmeans Increase equity exposure To capitalize on the upside potential P/E based rule for dynamic asset allocation

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 25 High P/E Good opportunity to sell Unattractive market valuation indicatesmeans Decrease equity exposure Implementing the wisdom of “buy low, sell high” To limit the downside risk P/E based rule for dynamic asset allocation

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 26 Dynamic P/E Fund  Fund Objective: To provide long term capital appreciation through dynamic asset allocation between equity and debt. The allocation to equity and equity related securities is determined by reference to the P/E multiple of a basket of 50 large cap stocks ; the remainder is to be invested in debt instruments, money market and cash.  Asset allocation: P/E Range<1414 to 1616 to 1818 to 20>20 Allocation to Equity and Equity related securities 90% - 100% 80% - 100% 60% - 100% 40% - 80% 0% - 40% Allocation to debt instruments, money market and cash 0% - 10% 0% - 20% 0% - 40% 20% - 60% 60% - 100% Markets at attractive valuation Higher allocation to equities

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 27 Dynamic P/E Fund  Fund Objective: To provide long term capital appreciation through dynamic asset allocation between equity and debt. The allocation to equity and equity related securities is determined by reference to the P/E multiple of a basket of 50 large cap stocks; the remainder is to be invested in debt instruments, money market and cash.  Asset allocation: P/E Range<1414 to 1616 to 1818 to 20>20 Allocation to Equity and Equity related securities 90% - 100% 80% - 100% 60% - 100% 40% - 80% 0% - 40% Allocation to debt instruments, money market and cash 0% - 10% 0% - 20% 0% - 40% 20% - 60% 60% - 100% Markets at unattractive valuation Lower allocation to equities

Strictly for internal circulation and/or for training/ education of employees/advisors/ corporate agents/ brokers of ICICI Prudential Life Insurance Co. Ltd. Should not be further circulated/ used for presentation to a prospect/ general public. 28 Settlement option You can opt to get payments on a yearly, half yearly, quarterly or monthly (through ECS) basis, over a period of one to five years, post maturity At any time during the settlement period, you have the option to withdraw the entire Fund Value During the settlement period, the investment risk in the investment portfolio is borne by the policyholder. At maturity, you can choose to take the Fund Value as a structured benefit