1. A year that will re-define your 5 th Category

4. Traditional, non participating, Money Back Insurance Money Back Insurance Plan Presenting…

5. The Virtues of Monthly Income… Expenses are easier to plan when one knows the monthly income coming in… Children’s school fee & overhead activity expenses Monthly household expenses, including EMIs for the house, car, others… Festival season: Gifts and other expenses Medical expenses

6. India is a country of 120 Cr people  Over 112 Cr people do not have any form of Insurance  Out of those insured, 3 out of 4 are under protected Source: IMRB Consumer U&A Research 2010 Guarantee your family a Monthly Income, and provide them the financial security they deserve Among all your responsibilities, securing your family’s future tops the chart

7.  96% of Indian working population does not have a formal, mandated provision for pension Source: http://www.rediff.com/news/2008/jan/09survey.htm Receive a regular, guaranteed Monthly Income during Retirement! What would you want…? A luxurious retired life? Or old age, spent working? We all wish to fulfill our responsibilities towards our parents in a better way… we can do that by gifting them a comfortable lifestyle during their golden years

8. Inflation increases your expenses but not your Income! Food inflation grew by 11.6% from 2008- 09 to 2010-11 Source: http://news.in.msn.com/business/article.aspx?cp-documentid=5248221&page=2 India’s inflation rate amongst the steepest in the world Fight inflation better by planning your monthly income well… In last 12 months alone, the fuel prices have gone up by almost 25%

9. Guaranteed returns Protection of Life Protection of Financial Goals Beating inflation Monthly cash flows that help with expense management

10. to give a ‘boost’ to your monthly income!

12. Guaranteed Monthly Income Plan : Give and Get GMIP: In which you pay 11 Annual Premiums GMIP: In which you pay 11 Annual Premiums Year 1 - 11 Year 12 - 21 Your GMIP pays you back: Every month, from 12 th year onwards. For 10 years i.e. 120 payouts. Your GMIP pays you back: Every month, from 12 th year onwards. For 10 years i.e. 120 payouts.

13. GMIP Benefits… Money if one lives – Living benefits Guaranteed Monthly Income – Starting 12 th Year Monthly Income Booster (Non-Guaranteed) – Starting 12 th Year Guaranteed Terminal Benefit – With the last monthly payout in the 21 st year Money if one doesn’t – Death Benefits Guaranteed Monthly Income – Starting 12 th Year Monthly Income Booster (Non-Guaranteed) – Starting 12 th year Guaranteed Terminal Benefit– With the last monthly payout in the 21 st year Refund of all premiums paid, immediatelyAll future premiums borne by the Company GMI starts getting paid every month from the policy anniversary following the date of intimation of death

14. Living Benefits GMIP 1:Guaranteed Monthly Income 2: Monthly Income Boosters 3:Guaranteed Terminal Benefit

15. From policy year 2 onwards, upon receipt of the renewal premium, the policy will accrue monthly boosters Along with your Guaranteed Monthly Income, you would also get a variable monthly income booster which is based on the Govt Securities rate. These are very low risk investments, and the rate vary basis the interest rate scenario. Boosters also start from the 12 th year, and come to you each month till the end of the payout period The Booster rate attached will be determined as on the last working day of the previous month in which renewal is paid 2: Monthly Income Boosters Living Benefits in detail…

16. Year 1 - 21 Premium Paying Phase – 1-11 yrs Payout phase – 12-21 yrs 1 st Renewal Premium Paid – Jan 2013 Rate as on 31 st Dec 2012 = 8.0% Booster rate attached to policy is 53%, which will be paid for 12 months in 2023 2nd Renewal Premium Paid Rate as on 31 st Dec 2013 = 8.5% Booster rate attached to policy is 60% This rate gets locked in your policy for the 12 months of the benefit year; once accrued, boosters are guaranteed to be paid out… Year 2023 Year 2024 Jan - 1 st Premium Year 2012 Year 2013 Year 2014 Living Benefits in detail…

17. GMIP: A transparent plan! Is there any better guarantee than this in Life ! So in 2013, you know the income you will get paid 10 years later, in 2023

18. 200% of 1 st annual premium is given as the Guaranteed Terminal Benefit with the final monthly payout 3:Guaranteed Terminal Benefit Living Benefits in detail… If the annual premium is Rs. 70000, the final payout will include the GTB of Rs. 1,40,000/-

19. Case Study Mr. Singh is 40 old and works in an MNC. He wants an additional regular monthly income to meet his future needs. Step 1: Mr. Singh decided that he needs a monthly income of Rs. 10,000 Step 2: His policy term is 11 years Step 3: The premium for his policy comes out to be Rs. 1,05,120* payable for 11 years Mr. Singh is 40 old and works in an MNC. He wants an additional regular monthly income to meet his future needs. Step 1: Mr. Singh decided that he needs a monthly income of Rs. 10,000 Step 2: His policy term is 11 years Step 3: The premium for his policy comes out to be Rs. 1,05,120* payable for 11 years *exclusive of Service Tax This is how your GMIP works…

20. GMIP: Living / Survival Benefits Mr. Singh survives till the end of the payout period Booster rate will vary depending on the benchmark rate. Policyholder to pay premiums from year 1-11: Rs. 105120 Year 11Year 1 Year 21Year 12 Guaranteed Monthly Income Rs. 10000 per month (Rs. 120000 annually) Monthly Income Booster Rs. 6000 Rs. 6800 Rs. 6000 Rs. 6800 Rs. 6000 Rs. 2.1 Lacs as Guaranteed Terminal Benefit Eg: Year 12 payouts: o Total payouts: (GMI+MIB) Rs. 16000 X 12 = Rs.1,92,000, consisting of: Guaranteed Monthly Income: Rs. 10000 X12 = 120000 + Monthly Income Boosters: Rs. 6000 X12 = 72000 Eg: Year 14 payouts include: o Total payouts: (GMI+MIB) Rs. 16800 X 12= Rs. 2,01,600, consisting of: Guaranteed Monthly Income: Rs. 10000*12 = 120000 + Monthly Income Boosters: Rs. 6800*12 = 81600

21. GMIP: Death Benefit In case Mr. Singh dies after paying 5 annual premiums MNYL refunds the annual premiums paid by the policyholder from year 1-5 (Rs. 5.25 Lacs) 1 Year 21Year 12 Guaranteed Monthly Income continues Rs. 10000 p.m. (Rs. 120000 annually) 4 Monthly Income Booster Rs. 6000 Rs. 6800 Rs. 6000 Rs. 6800 Rs. 6000 5 Rs. 2.1 Lacs Guaranteed Terminal Benefit 6 GMI is now paid for 16 years, instead of 10 years Rs. 105120 2 Rs. 630720 Nominee gets a monthly income of Rs. 10000 from year 6 - 11 3

22. Lets see how Mr. Singh is thinking about GMIP I need a monthly Income of Rs. 10000/- The last 3 years average of the benchmark rate is near about 8%...so I should be able to earn around 53% as income boosters My AIP told me to look at a 70:30 ratio between the GMI and MIB…so if I take Rs. 7000 as the GMI & let the balance come through boosters, at 53% booster rate, I can earn Rs. 3710 as boosters, making my monthly income to be 10,710/- This will also help me save almost 30% of the annual premium/- Mr. Singh, age 35, needs Rs. 10,000 monthly income from GMIP.

23. I need a monthly Income of Rs. 10000/- I can take this entire amount as the guaranteed monthly income, so that there is no shortage of money. I can earn the monthly income boosters over and above this GMI! Which means that I could earn about Rs.15300* every month! Higher premiums = higher savings + guaranteed fulfillment of dreams *@8% booster returns Alternatively…!

24. GMIP: Product Features *Note: Premium Payment Term is equal to the policy term

25. GMIP: Tax Benefit It may be noted that the tax authorities may independently examine the availability of the aforesaid benefits. Also, this is subject to any changes made to the tax legislation in future. The policyholders are advised to independently consult their tax advisor on their income- tax implications. “The tax benefits under Max New York Life Guaranteed Monthly Income Plan are available as per the prevailing provisions and conditions of the Income-tax Act, 1961, including benefits under section 80C and 10 (10D) of the Act that should be available in respect of sums received under Max New York Life Guaranteed Monthly Income Plan”

26. Documents Required All documents to be self-attested by the customer

27. The excitement is just building… And… Get this exclusive Sales Kit Sales Kit absolutely… For ABOs only: Submit 1 case of On 12 th Jan, 2012…

28. Sales Kit Sales Kit

29. Year First Year Premium First Year Premium 1 st Year renewal 1 st Year renewal 2 nd Year renewal 2 nd Year renewal 3 rd Year renewal 3 rd Year renewal GMIP 50% 10% And now, the news we’ve all been waiting for…

30. Don’t forget to collect your folder! And… Get this exclusive Sales Kit Sales Kit absolutely… For ABOs only: Submit 1 case of On 12 th Jan, 2012…