Do you face these objections from clients?Why only 20-30% of my 1st

year premium is invested ??

Is there any Guarantee ???

It’s my money, why should I

pay Surrender Charge ?

Too complex to fill the

proposal form

PRESENTING

Future Guarantee Advantage

Utilizes 78% your 1st year premium towards Guaranteed Maturity Additions

Guaranteed Maturity Additions

upto 165% of 1st Year Premium for

Term 20years

‘Zero’ Surrender Chargeafter 5 years

1 Page application form for

‘Simple’ JoiningProcess

How Does Guarantee Advantage Work?

1st Year Premium

Second Year Premium Onwards

78% used to provide Guaranteed Addition at Maturity

Allocated to fund post deducting allocation charges

60% for 10 Yr TermMATURITY

Money Grows

More Contribution Through Top Ups

Savings & Protection

Natural Death:Sum Assured + Fund Value + Guaranteed Addition (if death happens after 8 years)

Accidental Death:3 times Sum Assured + Fund Value + Guaranteed Addition (if death happens after 8 years)

ENHANCED DEATH BENEFIT

110% for 15 Yr Term

165% for 20 Yr Term

22% allocated to Fund

Features : Age & Term

Entry Age 0 to 50 years

Maximum Maturity Age 70 years (as on last birthday)

Term 20 years

Surrender Charge Nil after 5 years

Minimum Premium 10,000

Minimum Sum Assured 5 times of annualized premium

Maximum Sum Assured Rs. 5 lakh upto Age 50

Age Proof Standard age proof & Non – Standard age proof

Premium Mode Yearly, throughout the policy term

Switches 6 free switches every policy year

Tax Benefit U/s 80C & 10(10D)

What can you expect out of your 1st premium

10,000

2,200

6% 8% 10%

10 Years 3,940 4,750 5,706

15 Years 5,272 6,979 9,190

20 Years 7,056 10,254 14,800

10 Years 60% 6,000

15 Years 110% 11,000

20 Years 165% 16,500

10 Years 9,940 10,750 11,706

15 Years 16,272 17,979 20,190

20 Years 23,556 26,754 31,300

How much can you expect to get against 1st year premium you paid at maturity

The premium you have paid in Yr 1(For illustration purpose only)

The amount you will get as Assured Loyalty Addition of the 1st premium at Maturity

Amount of 1st premium that gets allocated to investment

How much does the allocated amount become at Maturity

How much return do you expect year on year on the allocated amount

How much returns our funds have provided

Fund Name NAV Change Date NAV (in Rs.) Inception Returns

Income Fund 18th Aug’ 08 12.46 24.10%

Secure Fund 18th Aug’ 08 12.01 19.74%

Maximize Fund 18th Aug’ 08 12.73 28.59%

Balance Fund 18th Aug’ 08 12.33 23.42%

Pension Active 10th Nov’ 08 17.85 77.97%

Pension Secure 10th Nov’ 08 12.22 21.96%

Pension Balance 10th Nov’ 08 12.52 24.95%

Pension Growth 10th Nov’ 08 14.91 48.80%

Returns calculated on Dec 31, 2009

Sum Assured Multiples

Standard Age Proof Non Standard Age Proof

AGEMax Sum Assured

Max Sum Assured Multiple

Min Sum Assured Multiple

Max Sum Assured Multiple

Min Sum Assured Multiple

0 - 40 5,00,000 25 5 15 5

41 - 45 5,00,000 15 5 12 5

46 - 50 5,00,000 10 5 10 5

• Major Students (18 – 25 yrs): Insurance cover upto Rs. 5 lakhs can be granted without insisting on parents insurance cover

• Self-employed female life unable to provide income proof / Housewife: Insurance cover up to Rs. 5 lakhs can be granted without insisting on husbands’ insurance

Premium Allocation

Guaranteed Addition at maturity will be available at the date of maturity along with Fund Value

Policy Term (in yrs) 10 15 20

GA at Maturity as % of 1st Year Annual Premium 60% 110% 165%

Illustrated GA for Rs. 10,000 AP* (in Rs.) 6,000 11,000 16,500

1st Year 22%

2nd & 3rd Year 92%

4th to 10th Year 98%

11th Year onwards 100%

Guaranteed Addition available if 1st 5 premiums are paid and policy continues till 10th, 15th, or 20th year.

Premium taken as 10,000 for illustration purpose only

Maturity Benefit

Fund Value as on the

date of Maturity plus

the guaranteed

maturity additions

Under Settlement Option, the maturity benefit may be taken in lump sum or installments spread over a period of up to five years from the date of maturity

Risk Commencement Date

The Date of Commencement of Risk would be the date of issue of first premium receipt

If life assured is a minor under age at issue below 10 years, risk under the policy will commence from the later of

– The policy anniversary falling after life assured attains 10 years of age, or

– 2 policy years after commencement of the policy

No accidental benefit is payable if the life assured is a minor at the time of death under the policy

Death Benefit

Natural Death: Sum Assured + Fund Value

Accidental Death: 3 Times Sum Assured + Fund Value

In case of death after 8 years from the date of commencement and premiums have been paid for atleast 5 full years, ‘Guaranteed Loyalty Additions’ will also be payable

Full Withdrawal / Surrender

Number of completedPolicy years

Surrender Penalty as a%of Fund Value

1 year or less 100%

More than 1 but lessthan or equal to 2

50%

More than 2 but lessthan or equal to 3

35%

More than 3 but lessthan or equal to 4

20%

More than 4 but lessthan or equal to 5

10%

More than 5 NIL

Partial Withdrawal

• Partial withdrawals can be made after 3 full policy yrs provided life assured / proposer is alive

• 1 partial withdrawal is allowed per policy year free of charge provided after the withdrawal, Fund Value is greater than at least one year’s annualized premium.

• Maximum amount that can be withdrawn is 10% of Fund Value

• Partial withdrawal not allowed in last 5 policy years

Revival

• The policy may be revived for full benefits within 2 years from the date of the 1st unpaid premium and before the date of maturity while the life assured is still alive

• The reinstatement will be effected on the company’s discretion and subject to such conditions as the company in its discretion may decide.

• A lapsed policy shall continue to participate in the investment returns for the existing Fund Value. However, on revival, the investment return will be applicable on prorate basis for the month in which premiums are received.

ChargesFund Management Charges (calculated on daily basis from the fund value before calculation of the NAV)

Fund management charge (% p.a.)

Future Balance Fund 1.25%

FMC are deducted on a daily basis at 1/365th of the annual charge in determining the unit price

Policy Administration Charge: 1st year: Rs 480 per annum2nd year onwards: Rs 720 per annum

Charges

Miscellaneous Charge

This charge is levied for any alterations within the contract, such as, premium mode etc. The charge is expressed as a flat amount levied by cancellation of units

This charge is levied only at the time of alteration and is equal to Rs.250 per alteration

All the above charges will be subject to a service tax etc @ 12.36%

Reasons to Invest in Guarantee Advantage

• Guaranteed Addition upto 165% of your 1st year premium at maturity

• 3 times sum assured + Fund Value + Guaranteed Loyalty Additions

• Assured benefits to enhance your fund value

• Low charges

• Maximum protection for your loved ones

• Excitement of investment with protection of insurance

• Simplified non-medical plan

• Tax Benefits U/S 80C & 10(10D)

Hassle Free Issuance

• Fill in the Application Form

• Submit the following documents :

– Age Proof

– Address Proof

– Identity Proof• Pay by Demand Draft in favour of “Future

Generali India Life Insurance Co. Ltd.” / “FGI Life Insurance” payable at Chennai

• Take Away the Policy

Simplified Application Form

3 in 1 OFFER

GUARANTEED LOYALTY GUARANTEED LOYALTY ADDITIONADDITION

PERSONALPERSONALACCIDENT ACCIDENT

COVERCOVER

HASSLE HASSLE FREE FREE SIMPLIFIED SIMPLIFIED PLANPLAN

Your Assured Future

with Future Guarantee Advantage