dpfÑy ksÑ p_ ps° p_u df∆_Ñy ∆hspÑ dpV° $Ñy \i° s° v$frdep_ s_° ° dpfÑy dpNvÆ $i_Æ , ‚p–° kpl_ A_° dpfp° _pZpL$ue V$°L$p° Z s_° ° dmsp° fli° .°

qfgpefik gpCagp°¢N k°th¡kAp epS° >_p sdpfp ∆h_L$pm v$frdep_ sd_° bQs L$fhpdpÑ dv$v$ L$f° R>° A_° sdpfp AL$pm° r___p k≈Ñ N° pd° pÑ sdpfp

qfhpf_° kÑ Z| Æ ∆h_ fnZ Ap° R>.°

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reliancelife.com

dyøe gpcp°

‚hprlsp

AZv°$Musu AphÌeL$spAp°_° lp¢Qu hmhp dpV°$ ep°S>_p_u dyv$s v$frdep_ gp°_ kyrhp dmi°.

L$f gpcp°

gpNy AphL$h°fp L$pev$p A_ykpf Q|L$hpe°gpÑ ‚urdedp° A_° ‚p· gpcp° f L$f gpcp° dmi°.

kp_yL|$m fnZ rhL$Îp°

• ep°S>_p_u dyv$s v$frdep_ ∆h_ fnZ d°mhp°

• rhıspqfs fnZo d°√eyqfV$u f A°L$kpdV$u fL$d A_° ep°S>_p_u dyv$s

v$frdep_ ∆h_ fnZ d°mhp°o ep°S>_p_u dyv$s R>u kÑ |ZÆ ∆h_ dpV°$

rhıspqfs ∆h_ fnZ d°mhp°

‚dpZkf fnZ: d°√eyqfV$u f A°L$kpdV$u fL$d A_°

• sd° L°$V$gpÑ hjÆ Q|L$hhp dpNp° R>p° s° sd° S> _Ω$u L$fp°:10 hjÆ (kurds QyL$hZu) A\hp kÑ |ZÆ ep°S>_p_u dyv$s (r_erds QyL$hZu) dpV°$

• sdpfu ‚urded QyL$hZu_u kps–esp _Ω$u L$fp°: hprjÆL$, AÆhprjÆL$, r”dprkL$ L°$ dprkL$.

ep°S>_p_u dyv$s_° AÑs° ‚p· \i°

• DprS>Æs Mpsfuv$peL$ Dd°fp: ‚\d pÑQ ep°S>_p hjÆ v$frdep_ d|m hurds fL$d_p 4%

• Mpsfuv$peL$ d°√eyqfV$u gpc: A°LÑ$v$f d|m hurds fL$d A_° DprS>Æs Mpsfuv$peL$ Dd°fp

• bp°_k: tkg qfhTÆ_fu bp°_k dpfas sdpfu Mpsfuv$peL$ bQsp° hpfp°, S>° 6Ã$p ep°S>_p hjÆ\u ApfÑc L$fspÑ ep°S>_p_u dyv$s v$frdep_ v$f hj£ DprS>Æs \pe R>° A_° ≈° L$p°C lp°e sp°, V$rdÆ_g bp°_k

bpÑefu_u r_tÚssp kp\° bQs

sdpfu C√R>p dyS>b Q|L$hp°

Guaranteed

ApZ° kp•L$p°C Of Mfuv$u L$fhyÑ lp°e, ApZp kÑsp__yÑ rinZ kÑfrns L$fhyÑ lp°e, k_p_p h°L°$i_ f S>hyÑ lp°e A_° r_h©r— R>u Apfpdv$peL$ ∆h_ ∆hhyÑ lp°e s° _pZpL$ue rkqŸAp° kpL$pf L$fhp dpV°$ L$pd L$fsp lp°CA° R>uA°. ≈° dS>b|s _pZpL$ue r_ep°S>_ L$fhpdpÑ Aph° sp° Ap dl“h|ZÆ rkqŸAp° lpÑkg L$fu iL$pe R>°.

Ap\u dl“h|ZÆ A° R>° L°$ ApZ° ∆h_L$pm v$frdep_ A_° leps dp°S|>v$ _ fluA° –epf° Z Ap khÆ gpcp° ApZp qfhpfS>_p°_° dm° s°_u Mpsfu fpMhp dpNuA° R>uA°.

Ap_° ›ep_dpÑ fpMu_° S> gpÏep R>uA°, qfgpefik gpCagp¢N k°th¡k ep°S>_p. Ap _p°_- tgºX$, klcpNu A°fiX$p°hd°fiV$ bpÑefu ep°S>_p R>°, S>°dpÑ bQs A_° kÑ |ZÆ ∆h_ fnZ_p gpcp° R>°, S>° sdpfu AphÌeL$spAp° A_ykpf A_yL|$m b_phu iL$pe R>°.

qfgpefik gpCagp¢N k°th¡k kp\°

1. sdpfp qfhpf

dpV°$ hpfkp° r_dpÆZ L$fp°

2. sdpfp kÑsp__p

rinZ dpV°$ bQs L$fp°

3.

sdpfu r_h©r— dpV°$

bQs L$fp°

4.

kÑ |ZÆ ∆h_fnZ Qpgy fpMp°

5.

$bp°_k_p Dd°fp kp\°

sdpfu bQsp° hpfp°

qfgpefik gpCagp¢N k°th¡k_p°_- tgºX$, klcpNu, A°fiX$p°hd°fiV$ h—p kÑ |ZÆ ∆h_ hudp ep°S>_p

1

ep°S>_p L$C fus° L$pd L$f° R>°?

lh° ApZ° A°L$ v$pMgp° gCA°

v$pMgp° 1: ‚dpZkf fnZ rhL$Î

fdZ_u Jdf 35 hjÆ_u R>°. s° p°sp_u L$dpZu_pÑ hjp£dpÑ kÑsp__p D√Q rinZ A_° qfhpf_p fnZ dpV°$ bQs L$fhp

dpN° R>°. s° qfgpefik gpCagp¢N k°th¡k A_ph° R>° A_°

15 hjÆ_u ep°S>_p_u dyv$s A_° `3,00,000/-_u d|m hurds fL$d kp\° s° ‚dpZkf fnZ rhL$Î g° R>°

s°_yÑ Apfp°¡e kpfyÑ R>° A°hyÑ pfspÑ 15 hjÆ_u kÑ |ZÆ dyv$s (r_erds QyL$hZu) dpV°$ s° hprjÆL$ `23,823/-

(L$f bpv$ L$fspÑ)_yÑ hprjÆL$ ‚urded Q|L$h° R>°

‚\d pÑQ ep°S>_p hjÆ v$frdep_ ep°S>_pdpÑ hprjÆL$ `12,000/-_p Mpsfuv$peL$ Dd°fp DprS>Æs \pe R>°, A°V$g° L°$,

A°LÑ$v$f° `60,000/-

d|m hurds fL$d_u kdL$n Mpsfuv$peL$ d°√eyqfV$u gpc A_° Q|L$hhpp” khÆ Mpsfuv$peL$ Dd°fp

`3,60,000/- fl°i°

d°√eyqfV$u QyL$hZpÑ tkg qfhTÆ_fu bp°_k A_° ≈° L$p°C lp°e sp°, V$rdÆ_g bp°_k dpfas h° R>°

≈° fdZ, A°V$g° L°$, hurds ep°S>_p_u dyv$s_p AÑs ky u leps fl° sp° s°_° ‚p· \i°

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kÑ≈°N I:

gpc fL$d fL$dd|m hurds fL$d

DprS>Æs Mpsfuv$peL$ Dd°fp

h°ıV°$X$ qfhTÆ_fu bp°_k

V$rdÆ_g bp°_k

Ly$g gpc

1 5 10 15

Mpsfuv$peL$d°√eyqfV$u gpc

Mpsfuv$peL$ Dd°fp ‚\d 5 hjÆv$frdep_ hurds fL$d_p @4%_p v$f°

DprS>Æs \pe R>°qfhTÆ_fu bp°_k 6Ã$p ep°S>_p

hjÆ\u DprS>Æs \pe R>°

V$rdÆ_g bp°_k, ≈° L$p°C lp°e sp°

h°ıV°$X$ qfhTÆ_fu bp°_k

DprS>Æs Mpsfuv$peL$ Dd°fp

d|m hurds fL$d

hjÆd°√eyqfV$u

2

kÑ≈°N I: ≈° frh , A°V$g° L°$, hurds ep°S>_p_u dyv$s_p AÑs ky u leps fl° sp° s°_° ‚p· \i°

v$pMgp° 2: rhıspqfs fnZ rhL$Î

frh 30 hjÆ_p° R>°. s° qfhpf dpV°$ hpfkp° Ecp° L$fhp kp\° p°sp_u h©Ÿphı\p dpV°$ bQs Z L$fhp dpN° R>°. s° qfgpefik

gpCagp¢N k°th¡k A_ph° R>°, A_°

rhıspqfs fnZ rhL$Î, 20 hjÆ_u ep°S>_p_u dyv$s A_° `5,00,000/-_u d|m hurds fL$d g° R>°

s°_yÑ Apfp°¡e kpfyÑ R>° A°hyÑ pfspÑ 20 hjÆ_u kÑ |ZÆ dyv$s (r_erds QyL$hZu) dpV°$ s° hprjÆL$ `33,335/-

(L$f bpv$ L$fspÑ)_yÑ hprjÆL$ ‚urded Q|L$h° R>°

‚\d pÑQ ep°S>_p hjÆ v$frdep_ ep°S>_pdpÑ hprjÆL$ `20,000/-_p Mpsfuv$peL$ Dd°fp DprS>Æs \pe R>°, A°V$g° L°$,

A°LÑ$v$f° `1,00,000/-

d|m hurds fL$d_u kdL$n Mpsfuv$peL$ d°√eyqfV$u gpc A_° Q|L$hhpp” khÆ Mpsfuv$peL$ Dd°fp `6,00,000/-

fl°i°

d°√eyqfV$u QyL$hZpÑ tkg qfhTÆ_fu bp°_k A_° ≈° L$p°C lp°e sp°, V$rdÆ_g bp°_k dpfas h° R>°

ep°S>_p_u dyv$s R>u Z s°_° ∆h_ fnZ dm° R>°, A°V$g° L°$, rhıspqfs kdeNpmp v$frdep_ d©–ey_u spfuM ky u>

d|m hurds fL$d A\hp Q|L$hpe°gpÑ Ly$g hprjÆL$ ‚urded_p 105%_u D√Q fL$d fl°I°

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kÑ≈°N II: 10dp ep°S>_p hjÆ_° AÑs° fdZ_p AL$pm° r___p kÑ≈°Np°dpÑ

gpc

d©–ey f hurds fL$d

h°ıV°$X$ qfhTÆ_fu bp°_k

V$rdÆ_g bp°_k

Ly$g d©–ey gpc

fL$dfL$d

gpc fL$dfL$d

d|m hurds fL$d

DprS>Æs Mpsfuv$peL$ Dd°fp

h°ıV°$X$ qfhTÆ_fu bp°_k

V$rdÆ_g bp°_k

Ly$g gpc

1 5 10 2015

Mpsfuv$peL$ Dd°fp ‚\d 5 hjÆv$frdep_ hurds fL$d_p @4%_p v$f°

DprS>Æs \pe R>°qfhTÆ_fu bp°_k 6Ã$p ep°S>_p

hjÆ\u DprS>Æs \pe R>°hu[ds fL$d

V$rdÆ_g bp°_k, ≈° L$p°C lp°e sp°

h°ıV°$X$ qfhTÆ_fu bp°_k

DprS>Æs Mpsfuv$peL$ Dd°fp

d©–ey gpc A_°ky fs gpc

∆h_cf Qpgy fl° R>°

d°√eyqfV$uhjÆ

3

?ep°S>_p_u dyv$s v$frdep_ d©–ey: 11dp ep°S>_p hjÆ_° AÑs° frh_yÑ AL$pm° r__ \hp_p kÑ≈°Np°dpÑ (40 hjÆ_u Jdf°)

?ep°S>_p_u dyv$s R>u d©–ey: ≈° 70dp ep°S>_p hjÆ (100 hjÆ_u Jdf°)dpÑ frh_yÑ AL$pm° r__ \pe sp° _p°rd_u_° `7,00,035/-_p° A°L$kpdV$u fL$d_p° d©–ey gpc dmi°, S>° d©–ey_u spfuM ky u> d|m hurds fL$d A_° Q|L$hpe°gpÑ Ly$g hprjÆL$ ‚urded_p 105%_u D√Q fL$d fl°i°

Ap fL$d d°√eyqfV$u gpc DfpÑs R>°, S>° frh_° 20dp ep°S>_p hjÆ_° AÑs° ApC.

qfgpefik gpCagp¢N k°th¡k f A°L$ _S>f

*khÆ Jdf kÑbÑ u kÑv$cp£ R>°â p S>fidqv$hk° Jdf f Appqfs R>°.

kÑ≈°N II:

5 10 2015 70d°√eyqfV$u

1hjÆ

Mpsfuv$peL$ Dd°fp ‚\d 5 hjÆv$frdep_ hurds fL$d_p @4%

_p v$f° DprS>Æs \pe R>°

qfhTÆ_fu bp°_k 6Ã$p ep°S>_phjÆ\u DprS>Æs \pe R>°

V$rdÆ_g bp°_k, ≈° L$p°C lp°e sp°

h°ıV°$X$ qfhTÆ_fu bp°_k

DprS>Æs Mpsfuv$peL$ Dd°fp

d|m hurds fL$d

rhıspqfskdeNpmp

v$frdep_ d©–ey gpc

L$p°C kudp _l]

ep°S>_p_u dyv$s (hjÆ)

‚h°i kde° Jdf (hjÆ)

d°√eyqfV$u kde° Jdf (hjÆ)

d°√eyqfV$u kde° Jdf gOysd dl—d

rhL$Î

r_erds QyL$hZu

hprjÆL$, AÆhprjÆL$, r”dprkL$ A_° dprkL$

‚h°i Jdf 7\u 50 hjÆ ‚h°i Jdf 51\u 55 hjÆ

depÆqv$s QyL$hZu

L$p°C kudp _l]

d|m hurds fL$d

‚urded QyL$hZurhL$Î (hjÆ)

‚urded QyL$hZu dp›ed

‚urded QyL$hZu

gpc fL$d fL$dd©–ey f hurds fL$d

h°ıV°$X$ qfhTÆ_fu bp°_k

V$rdÆ_g bp°_k

d©–ey gpc _p°rd_u Q|L$hpe R>° 6,40,3137,12,875

4

rhNshpf gpcp°

?fnZ rhL$Î

w

w

?Mpsfuv$peL$ Dd°fp

?bp°_k

? d°√eyqfV$u gpc

w

w

?d©–ey gpc

wep°S>_p_u dyv$s v$frdep_ (bÑ_° fnZ rhL$Î dpV°$)

sdpfpÑ cprh gep°_° Appf° ep°S>_p_p ApfÑcdpÑ sd_° r_Á_rgrMs b° fnZ rhL$Î h√Q° kÑv$Nu L$fhp_p° dp°L$p°

dm° R>°.

‚dpZkf fnZ: d°√eyqfV$u f A°L$kpdV$u fL$d A_° ep°S>_p_u dyv$s v$frdep_ ∆h_ fnZ d°mhp°

rhıspqfs fnZ

i. d°√eyqfV$u f A°L$kpdV$u fL$d A_° ep°S>_p_u dyv$s v$frdep_ ∆h_ fnZ d°mhp°

ii. ep°S>_p_u dyv$s R>u kÑ |ZÆ ∆h_ dpV°$ rhıspqfs ∆h_ fnZ d°mhp°

Mpsfuv$peL$ Dd°fp ‚\d pÑQ ep°S>_p hjÆ v$frdep_ v$f°L$ ep°S>_p hjÆ_° AÑs° d|m hurds fL$d_p hprjÆL$ 4%A°

DprS>Æs \i°, S>° Q|L$hpe°gpÑ khÆ g°ZpÑ ‚urdedp° A_° s° kde ky u Adgu ep°S>_p_° Apu_ fl°i°.

tkg qfhTÆ_fu bp°_k 6Ã$p ep°S>_p hjÆ\u ApfÑc L$fspÑ ep°S>_p_u dyv$s_p AÑs ky u v$f hj£ DprS>Æs \i°, S>° dpV°$

ep°S>_p Adgu lp°hu ≈°CA°.

khÆ ep°S>_p_u dyv$s, ≈° L$p°C lp°e sp°, V$rdÆ_g bp°_k 9dp ep°S>_p hjÆ\u d©–ey A\hp d°√eyqfV$u f Q|L$hhpp”

fl°i°, S>° dpV°$ ep°S>_p Adgu lp°hu ≈°CA°. V$rdÆ_g bp°_k h°ıV°$X$ qfhTÆ_fu bp°_k_u V$L$phpfu sfuL°$ ≈l°f L$fpi°.

ep°S>_p_u dyv$s_p AÑs ky u hurds_u leprs f ≈° ep°S>_p Adgu li° sp° ep°S>_ppfL$_° r_Á_rgrMs d°√eyqfV$u

gpc ‚p· \i°:

Mpsfuv$peL$ d°√eyqfV$u gpc, h—p

h°ıV°$X$ qfhTÆ_fu bp°_k A_° V$rdÆ_g bp°_k, ≈° L$p°C lp°e sp°

ƒepÑ Mpsfuv$peL$ d°√eyqfV$u gpc A° d|m hurds fL$d h—p DprS>Æs Mpsfuv$peL$ Dd°fp lp°e.

rhıspqfs fnZ rhL$Î l°W$m d°√eyqfV$u gpc ep°S>_p_u dyv$s_° AÑs° Q|L$hhpp” R>° A_° ep°S>_p_u dyv$s_u kdpr·

R>u d©–ey ky u d©–ey fnZ Qpgy fl°i°. Ap rhıspqfs kdeNpmp°, A°V$g° L°$ ep°S>_p_u dyv$s R>u_p kdeNpmp

v$frdep_ L$p°C d°√eyqfV$u gpc Q|L$hhpp” _l] fl°i°.

≈° hurds_yÑ AL$pm° r__ \C ≈e A_° ep°S>_p d©–ey_u spfuM_p fp°S> Adgu lp°e A_° khÆ g°ZpÑ ‚urdedp° Q|L$h°gpÑ

lp°e sp° v$ph°v$pf(fp°)_° ep°S>_p_p ApfÑcdpÑ Q|ÑV$pe°gp fnZ rhL$Î_° Appf° r_Á_rgrMs gpcp° ‚p· \i°.

d©–ey gpc d©–ey f hurds fL$d h—p h°ıV°$X$ qfhTÆ_fu bp°_k h—p ≈° L$p°C lp°e sp° V$rdÆ_g bp°_k_u kdL$n

fl°i°. Ap d©–ey gpc d©–ey_u spfuM_p fp°S> ky u Q|L$hpe°gpÑ ‚urdedp° (hpfp_pÑ ‚urdedp°_° bpv$ L$fspÑ)_p

Ap°R>pdpÑ Ap°R>p 105%_° Apu_ fl°i°.

Afie rhriÛV$spAp°

w

d©–ey gpc d|m hurds fL$d_u kdL$n R>°. Ap d©–ey gpc d©–ey_u spfuM_p fp°S> Q|L$h°gpÑ ‚urdedp° (hpfp_pÑ

‚urdedp° krls)_p Ap°R>pdpÑ Ap°R>p 105%_° Apu_ fl°i°. d©–ey gpc Q|L$Ïep R>u ep°S>_p kdp· \pe R>°.

ep°S>_p_u dyv$s R>u (aºs rhıspqfs fnZ rhL$Î dpV°$ gpNy)

5

ƒepÑ d©–ey f hurds fL$d _uQ° Dâ °rMs A°, bu L°$ ku_u D√Q lp°e

A°. 10 NœÑ hprjÆL$ue ‚urded

bu. Mpsfuv$peL$ d°√eyqfV$ugpc

ku. d|m hurds fL$d

A°. 10 NœÑ hprjÆL$ue ‚urded

bu. Mpsfuv$peL$ d°√eyqfV$ugpc

ku. d|m hurds fL$d

A°. 7 NœÑ hprjÆL$ue ‚urded

bu. Mpsfuv$peL$ d°√eyqfV$ugpc

ku. d|m hurds fL$d

‚dpZkf fnZ rhL$Îrhıspqfs fnZ rhL$Î

50 hjÆ_u Jdf ‚h°i Jdf dpV°$ 51 hjÆ A_° hy ‚h°i Jdf dpV°$

?gp°_

?fpCX$fp°

1. qfgpefik V$dÆ gpCa CfiÌeyffik b°r_qaV$ fpCX$f (UIN: 121B009V02)

2.qfgpefik d°S>f krS>ÆL$g b°r_qaV$ fpCX$f (UIN: 121B014V02)

3.qfgpefik qæ$qV$L$g LÑ$qX$ifik (25) fpCX$f (UIN: 121B012V02)

4. qfgpefik a°rdgu CfiL$d b°r_qaV$ fpCX$f (UIN: 121B015V02)

5. qfgpefik A°[ºkX°$fiV$g X°$\ b°r_qaV$ A°fiX$ V$p°V$g A°fiX$ dÆ_fiV$ qX$T°bgd°fiV$ fpCX$f (r_erds ‚urded) (UIN:

121B002V02)

T&C2sdpfu ep°S>_p ky fs d|Îe lısNs L$f° R>u sd° s°_u f gp°_ gC iL$p° R>p°. dl—d gp°_ d|m ep°S>_p l°W$m ky fs d|Îe_p 80% gC iL$pi°. gp°_ f ÏepS> LÑ$ _u ‹pfp kdepÑsf° ı\prs b≈f kÑbÑ u v$fp° dyS>b gpNy L$fpi°. L©$ ep gp°_ f ‚hsÆdp_ ÏepS> v$f ≈Zhp dpV°$ Adpfp° kÑ LÆ$ L$fp°.

AdyL$ ASy>Nsp kÑ≈°Np° kpd° sdpfu A_° sdpfp qfhpfS>_p°_u kyfnp dpV°$ Ad° sd_° _∆hp MQ£ Ap ep°S>_p kp\° r_Á_rgrMs fpCX$fp° Ap°af L$fuA° R>uA°.

fpCX$f l°W$m kÑv$ L$fpe°gu hurds fL$d_° Appf° hpfp_p d©–ey gpc Ap° R>°.

Ap° _ lpVÆ$ kS>Æfu, qL$X$_u V≤$pfik‡gpfiV$, L$p°r_Æep V≤$pfik‡gpfiV°$i_, a°akp_yÑ V≤$pfik‡gpfiV$ hN°f° krls 33 kS>Æfu_u epv$udpÑ\u krS>ÆL$g MQÆ Aphfu g°hp dpV°$ A°L$kpdV$u fL$d |fu pX°$ R>°.

L°$fikf, lpVÆ$ A°V°$L$, °fprgrkk, dyøe Aheh ‚–epfp° Z hN°f° krls 25 NÑcuf [ı\rsAp°_u kÑcpm g°hp dpV°$ A°L$kpdV$u fL$d |fu pX°$ R>°.

v$f drl_° hurds fL$d_p 1% (A°V$g° L°$, hprjÆL$ 12%)_p° dprkL$ gpc Ap° R>°. Ap gpc d©–ey_u spfuM\u fpCX$f ep°S>_p_u dyv$s A\hp 10 hjÆ_p AÑs ky u, S>° R>u l°gp Aph° s° spfuM\u Q|L$hhpp” R>°. s° ep°S>_p_u d°√eyqfV$u |h£ dpÑv$Nu\u d©–ey/ Ly$g A_° L$pedu rhL$gpÑNsp_p kÑ≈°Np°dpÑ Q|L$hhpp” b_° R>°.

≈° AL$ıdps_° gu° kup S> d©–ey/ rhL$gpÑNsp qfZd° sp° hpfp_p d©–ey/ rhL$gpÑNsp gpc Ap° R>°. DfpÑs rhL$gpÑNsp_p kÑ≈°Np°dpÑ fpCX$f l°W$m ‚urded_u gpc_u dpau Qpgy fl° R>°.

hudp_p fpCX$fp° kÑbÑ u khÆ ifsp°, Ahpv$p° rhi°_u rhNsp° dpV°$ L©$ ep fpCX$f_pÑ r_edp° A_° ifsp° A_° fpCX$f_yÑ h°QpZ”L$ L©$ ep ›ep_|hÆL$ hpÑQp° A\hp Adpfp hudp kgplL$pf_p° kÑ LÆ$ L$fp°.

?kp_yL|$m ‚urded QyL$hZu dp›ed

sdpfu pk° hprjÆL$, AÆhprjÆL$, r”dprkL$ L°$ dprkL$ ‚urded Q|L$hhp_p° rhL$Î R>°. r”dprkL$ A_° dprkL$ dp›ed ≈° CkuA°k S>°hp Cg°ºV≤$p°r_L$ dp›ed\u ‚urded Q|L$hhp_u s•epfu bsphhpdpÑ Aph° sp° S> dÑS|>fu Ape R>°. dprkL$ dp›ed dpV°$ ep°S>_p ≈fu L$fhp kde° ‚\d b° drl_p_pÑ ‚urded ANpD\u S> gC g°hpi°.

‚urded f gp°qXÑ$N _uQ° Ap°gp L$p°Ù$L$ A_ykpf gpNy \i°

6

dp›ed hprjÆL$ AÆ hprjÆL $r”dprkL$ dprkL$

dp°X$g gp°qXÑ$N (hprjÆL$ue ‚urded_u % sfuL°$)

i|fie

?kpÑL°$rsL$ ‚urded v$fp° (1000 d|m hurds fL$d v$uW$)

r_erds QyL$hZu rhL$Î A_phsp Apfp°¡ehÆL$ yfyj dpV°$ d|m hurds fL$d_p `1000 v$uW$ _d|_p_p ‚urded v$fp° _uQ° dyS>b fl°i°

Jdf (hjÆ)/ ep°S>_p_u dyv$s

‚dpZkf rhıspqfs fnZ

fnZ rhL$Î

?D√Q hurds fL$d qX$ıL$pDfiV$

D√Q hurds fL$d qX$ıL$pDfiV$ _uQ° dyS>b gpNy \i° ‚urded v$fp° _uQ° dyS>b fl°i°

1,50,000\u Ap°R>p

1,50,000\u 4,99,999 ky u

5,00,000\u 9,99,999 ky u

10,00,000 A_° hy

d|m hurds fL$d (`) (`)1000 d|m hurds fL$d v$uW$

i|fie

?‚urded QyL$hZu dpV°$ N∞°k kdeNpmp

?‚urded qX$ıL$[fiV$fieyAfik

°

≈° sd° ApMf spfuM ky udpÑ sdpfyÑ ‚urded cfu _l] iºep sp° sd_° 30 qv$hk_p° N∞°k kdeNpmp° Api° (dprkL$

dp›ed dpV°$ 15 qv$hk). N∞°k kdeNpmp v$frdep_ ep°S>_p Adgu fl°hp kp\° Ap ep°S>_p l°W$m_p khÆ gpcp° Qpgy

fl°i°. ≈° L$p°C lp°e sp° v$php° _ Q|L$hpe°gpÑ g°ZpÑ ‚urded L$pu_° Q|L$hpi°.

≈° L$dk°L$d ”Z hprjÆL$ ‚urded kÑ |ZÆ Q|L$hhpdpÑ ApÏepÑ lp°e sp° ep°S>_p ky fs d|Îe lısNs L$f° R>°.

≈° sdpfu ep°S>_p ky fs d|Îe lısNs L$f° s° |h£ S> sd° ‚urded Q|L$hhp_yÑ bÑ L$fp° sp° sdpfu ep°S>_p N∞°k

kdeNpmp_° AÑs° g°‡k \C ≈e R>° A_° d©–ey gpc s\p ≈° L$p°C lp°e sp° fpCX$f gpcp° sp–L$prgL$ kdp· \i° A_°

ep°S>_p g°‡k [ı\rsdpÑ lp°e –epf° L$p°C gpc _l] Q|L$hpi°.

≈° ep°S>_p ky fs d|Îe lısNs L$f° A_° L$p°C cprh ‚urdedp° Q|L$hpepÑ _ lp°e sp° sd° °CX$-A p°fZ° sdpfu

ep°S>_p Qpgy fpMhp_yÑ kÑv$ L$fu iL$p° R>p°.

7

sdpfu ep°S>_p °CX$-A b_° sp° ep°S>_p l°W$m gpcp° _uQ° dyS>b Ap°R>p L$fhpdpÑ Aphi°

gpc s° ºepf° Q|L$hhpp” R>° QyL$hœÑ

d©–ey gpc

d°√eyqfV$u gpc

ep°S>_p_u dyv$s v$frdep_(bÑ_° fnZ rhL$Î dpV°$)

ep°S>_p_u dyv$s R>u, A°V$g° L°$, rhıspqfs kdeNpmp v$frdep_

(rhıspqfs fnZ rhL$Î dpV°$ S> gpNy)

ep°S>_p_u dyv$s_° AÑs° hurds_u leprs f

d|m hurds fL$d x °CX$ A #qfbm + DprS>Æs Mpsfuv$peL$

Dd°fp + h°ıV°$X$ qfhTÆ_fu bp°_k

d|m hurds fL$d x °CX$ A #qfbm

d|m hurds fL$d x °CX$ A #qfbm + DprS>Æs Mpsfuv$peL$

Dd°fp + h°ıV°$X$ qfhTÆ_fu bp°_k

# °CX$-A qfbm = Q|L$hpe°gpÑ ‚urded_u kÑøep/ Q|L$hhpp” ‚urded_u Ly$g kÑøep

khÆ fpCX$f gpcp° sp–L$prgL$ kdp· \pe R>° A_° ep°S>_p °CX$-A [ı\rs lısNs L$fspÑ S> ep°S>_p hy bp°_k DprS>Æs

L$fi°.

≈° sdpfu ep°S>_p ‚urded qX$ıL$[fiV$fieyAfik rhcpNdpÑ kd≈Ïep dyS>b ky fs d|Îe lısNs L$f° A_° sd° sdpfu

ep°S>_p qX$ıL$[fiV$fiey L$fhp_yÑ kÑv$ L$fp° sp° sd° ky fs d|Îe_° lL$v$pf b_ip°, S>° ep°S>_p_p N°ffiV$uX$ kf°fiX$f h°Îey

(∆A°khu) A\hp ı°rieg kf°fiX$f h°Îey (A°kA°khu)_u D√Q fl°i°.

rhıspqfL$ fnZ rhL$Î_p qL$ıkpdpÑ ep°S>_p_u dyv$s R>u ky fs kyrhp dm° R>°.

ep°S>_p ky fs L$fspÑ S> kdp· \i° A_° –epf R>u y_:ı\prs _l] L$fu iL$pe.

sd° ‚\d _ Q|L$hpe°gp ‚urded_u ApMf spfuM\u b° hjÆ_u AÑv$f, fÑsy ep°S>_p_u d°√eyqfV$u |h£, s°_p kÑ |ZÆ

fnZ dpV°$ gpNy ÏepS> kp\° khÆ bpL$u ‚urdedp° cfu_° sdpfu g°‡k/ °CX$- A p°rgku A_° fpCX$fp° y_∆Ærhs

L$fu iL$p° R>p°. ep°S>_p y_∆Ærhs L$fhp dpV°$ ÏepS> LÑ$ _u ‹pfp kdepÑsf° ı\prs b≈f kÑbÑ u v$fp° dyS>b gpNy L$fpi°.

L©$ ep ep°S>_p y_∆Ærhs dpV°$_p ‚hsÆdp_ v$fp° ≈Zhp dpV°$ Adpfp° kÑ LÆ$ L$fp°. ep°S>_p A_° ≈° L$p°C lp°e sp° fpCX$fp°

y_∆Ærhs L$fhyÑ s° bp°XÆ$ ‹pfp dÑS|>f hudpÑL$_ _urs_° Apu_ fl°i°, A°V$g° L°$, hurds° sbubu funZ, _pZpL$ue

hudpÑL$_ hN°f° l°W$m kpf \hyÑ X$u iL°$ R°.

?ky fs

?y_Ʈrhs

(T&C)r_edp° A_° ifsp°

1. a°fapf

2. gp°_

3. L$f gpc

4.k°hp L$f

5.crhÛedpÑ kfL$pf ‹pfp gpNy L$fp_pf L$f

6. Ap–dl–ep Ahpv$

d|m hurds fL$d, fnZ rhL$Î, ‚urded QyL$hZu dyv$s A_° ep°S>_p_u dyv$s A°L$ hpf ep°S>_p Adgu bfiep R>u

a°fapf _l] L$fu iL$pi°.

°CX$-A ep°S>_pAp° dpV°$ ep°S>_p_u dyv$s v$frdep_ L$p°C Z kde° gp°__u bpL$u fL$d A_° gp°__u bpL$u fL$d f

_ Q|L$h°gÑy ÏepS> dmu_° fL$d ky fs d|Îe\u hu ≈e sp° ep°S>_p ky fs d|ÎedpÑ\u gp°__u bpL$u fL$d A_° _

Q|L$h°gp ÏepS>_u fL$d hk|g L$fu_° kdp· L$fpi°.

gp°_ guu lp°e s°_u kpd° ep°S>_p dpV°$ ep°S>_ppfL$_° ep°S>_p_p L$p°C Z gpc Q|L$hhp |h£ (d©–ey, d°√eyqfV$u L°$

ky fs) kp•‚\d bpL$u gp°_ A_° bpL$u gp°_ f_yÑ ÏepS> hk|g L$fpi° A_° bpL$u fL$d, ≈° L$p°C lp°e sp° s° gpNy dyS>b

ep°S>_ppfL$ L°$ _p°rd_u_° Q|L$hu v°$hpi°.

gp°__p l·p _ Q|L$hhp_° gu° L$p°C Adgu L°$ kÑ |ZÆ °CX$-A ep°S>_p ap°fºgp°»X$ _l] L$fpi°.

qfgpefik gpCagp¢N k°th¡k A_° ≈°C L$p°C fpCX$f(fp°) A_pÏep lp°e sp° s°_u kpd° Q|L$hpe°gpÑ ‚urded L$f dy[ºs

dpV°$ p” R>°, S>° Ap ep°S>_p l°W$m gpNy AphL$h°fp_p gpcp°_p L$f L$pev$p A_° ifsp°_° Apu_ fl°i° A_° fpCX$f gpcp°

‚hsÆdp_ L$f L$pev$pAp° A_ykpf gpNy \i° A_° kdepÑsf° ky pfZp_° Apu_ fl°i°. apC_pfik A°ºV$ 2012 A_ykpf

L$p°C Z kde° d©–ey gpc kp\° 1 A°r‚g, 2012\u ≈fu khÆ ep°S>_pAp° 10 NZpÑ ‚urded\u Ap°R>u lp°e sp°

AphL$h°fp pfp_u L$gd 10(10X$u) l°W$m L$f gpc dpV°$ s° p” _\u. DfpÑs Aphu ep°S>_p dpV°$ L$gd 80ku l°W$m

L$f gpc d©–ey f hurds fL$d_p aºs 10% ky u kurds fl°i°. L©$ ep Ap rhi° V°$ºk A°ºkVÆ$ pk°\u hy ≈ZL$pfu

d°mhu gp°.

k°hp L$f A_° rinZ h°fp° kdepÑsf° kfL$pf ‹pfp ≈l°f gpNy v$fp° A_ykpf d|m ‚urded A_° fpCX$f(fp°) ‚urded

DfpÑs gpNy L$fpi°.

crhÛedpÑ kfL$pf L°$ L$p°C Z L$p_|_u k—p ‹pfp L$p°C Z hpfp_p L$f gpNy L$fpe sp° s° ep°S>_ppfL$° Q|L$hhp_p

fl°i°. Ap L$f S>dp L$fhp_u Ÿrs rhi° Aphp kÑ≈°Np° l°W$m ep°S>_ppfL$p°_° ANpD\u ≈Z L$fpi°.

≈° ep°S>_p y_∆Ærhs L$epÆ_u spfuM\u L°$ ≈°Md ApfÑc spfuM\u 12 drl_pdpÑ Ap–dl–ep_° gu° d©–ey \pe sp°

ep°S>_ppfL$_p _p°rd_u/ v$ph°v$pf ‚urded_p 80% A\hp d©–ey_u spfuM° ky fs d|ÎedpÑ\u S>° Z D√Q lp°e s°_°

lL$v$pf fl°i°.

8

bp°Nk ap°_ L$p°Îk A_° _L$gu/R>°sfpdZu Ap°afp°\u kphp_ flp°e. ApCApfX$uA°ApC S>_sp_° ıÙ$ L$fhp dpN° R>° L°$ 1. ApCApfX$uA°ApC L°$ s°_p ArL$pfuAp°

hudp° A\hp _pZpL$ue ep°S>_pAp°_p L$p°C Z ‚L$pf_p h°QpZ S>°hu ‚h©r—Ap°dpÑ kÑL$mpe°gpÑ _\u A\hp ‚urdedp° fp°L$pZ L$fspÑ _\u. 2. ApCApfX$uA°ApC L$p°C Z bp°_k ≈l°f L$fsu _\u. ≈° S>_sp_° Aphp ap°_ L$p°Îk Aph° sp° ap°_ L$p°g, _Ñbf_u rhNsp° kp\° p°guk aqfepv$ _p¢ phhp_u rh_Ñsu R>°.

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CIN: U66010MH2001PLC167089. UIN for Reliance Lifelong Savings: 121N110V01

12.kdepÑsf° ky pfZp A_ykpf hudp pfp 1938 _u L$gd 41

(1)L$p°C Z Ïe[ºs cpfsdpÑ ∆h__p ≈°Md kÑbÑ ° L$p°C Z ‚L$pf_p° hudp° g°hp L°$ _hu_uL$fZ L$fhp L°$ Qpgy

fpMhp L$p°C Z Ïe[ºs_° ‚–en L°$ A‚–en ApN∞l _l] L$fu iL°$ A_° L$p°C Z Q|L$hhpp” L$rdi_ kÑ |ZÆ L°$

rlıkpdpÑ L$p°C Z R|>V$ L°$ p°rgkudpÑ v$ipÆh°gp ‚urdeddpÑ L$p°C Z R|>V$ Aphp s°_° v°$hpC _\u A_° s°_° s°hyÑ

L$fhp_° dÑS|>fu _\u L°$ L$p°C Z Ïe[ºs S>° p°rgku g°su lp°e L°$ _hu_uL$fZ L$fsu lp°e L°$ Qpgy fpMsu lp°e s°_°

hudpv$pf_p ‚L$pris v$ısph°S> L°$ L$p°Ù$L$ dyS>b dÑS|>f lp°e s° rkhpe_u L$p°C Z R|>V$ ıhuL$pfi° _l]

(2) L$p°C Z Ïe[ºs Ap L$gd_u ≈°NhpC_yÑ A_ykfZ _l] L$fi° s°_° Í$. 10 gpM ky u_p vÑ$X$ kp\° k≈ \C iL°$ R>°

L$f L$pev$pAp° a°fapf_° Apu_ R>°. V°$ºk A°ºkVÆ$_u kgpl g°hyÑ k|Tb|TceyØ R>°. Ap ep°S>_p_yÑ b∞p°if$ ep°S>_p_u dyøe rhriÙ$spAp° S> Ap° R>° A_° s° r_edp°, ifsp°, hp°ffiV$uAp° A_° Ahpv$p°_p° L$p°C fus° kÑL°$s _\u. hy rhNsp° dpV°$ Ap ”L$ kp\° h°QpZ b∞p°if A_° ep°S>_p_p Ahpv$p° Z hpÑQu g°hp ≈°CA°. qfgpefik gpCagp¢N k°th¡k kÑbÑ u khÆ ifsp°, Ahpv$p° f hy rhNsp° dpV°$ L©$ ep Adpfp CfiÌeyffik A°X$hpCTfp°_p° kÑ LÆ$ L$fp°. Al] ‚v$riÆs

1 2V≤°$X$ gp°Np° Ar_g ufycpC AÑbpZu h°fiQkÆ ‚pCh°V$ rgrdV°$X$_p° R>° A_° qfgpefik gpCa ‹pfp gpCkfik l°W$m hfpep° R>°. ApfÑc\u. A°S>fiV$ L$pepÆgep° 3A_° ‚urded L$g°L$i_ ApDV$g°Vπ$k_p° kdph°i. b∞pfiX$ C[ºhV$u_p dp°ıV$ V≤$ıV°$X$ b∞pfiXπ$k kh£ 2015 A_ykpf ∆h_ hudp Ó°ZudpÑ "dp°ıV$ V≤$ıV°$X$

4b∞pfiXπ$k'dpÑ\u A°L$ sfuL°$ Q|ÑV$pC. 31 dpQÆ, 2015_p |fp \e°gp _pZpÑL$ue hjÆ dpV°$. ** CL$p°_p°rdL$ V$pCÁk A°fiX$ r_gk°_ b°ıV$ b∞pfiXπ$k kh£, 2014 A_ykpf V$p° 200 b∞pfiX$.

Ad_° L$p°g L$fp°: 3033 8181 (ı\pr_L$ L$p°g v$f gpNy) A\hp 1800 3000 8181 (V$p°g ‰u) kp°dhpf\u ir_hpf° khpf° 9\u kpÑS>° 6 h√Q°Ad_° Cd°Cg L$fp° rlife.customerservice@relianceada.com

rhrTV$ L$fp° www.reliancelife.com

a°kbyL$ f Ad_° gpCL$ L$fp° www.facebook.com/RelianceLifeInsurance

qV$hV$f f Ad_° ap°gp° L$fp° @rel_life

L$p° p£f°V$ L$pepÆge9dp° A_° 10dp° dpm, Apf- V°$L$ pLÆ$, r_gp£_ L$p°Ág°ºk, Np°f°Nph (|hÆ), dyÑbC - 400063.

_p¢ ZuL©$s L$pepÆgeA°Q Âgp°L$, 1gp° dpm, ufycpC AÑbpZu _p°g°S> rkV$u,_hu dyÑbC, dlpfpÙ≤$ - 400710, cpfs.

a°ºk _Ñ

022-30002222

qfgpefik gpCa CfiÌeyffik LÑ$ _u rgrdV°$X$ (IRDAI Registration No. 121)

9

7. fpCX$f

8. hprjÆL$ue ‚urded

9. ‰u g|L$ kdeNpmp

10._p°rd_°i_

11.r_dœL$ A_° bv$gu

sd° fpCX$f(fp°) (‚h°i Jdf, ep°S>_p_u dyv$s, ‚urded QyL$hZu dyv$s, hurds fL$d hN°f°)_u ifsp°_° kÑsp°jp° sp°

d|m ‚urded DfpÑs hpfp_p ‚urded_u QyL$hZu f ‚urded QyL$hZu_u dyv$s v$frdep_ S> A_phu iL$p° R>p°.

Ap fpCX$f gpcp° ‚urded QyL$hZu dyv$s v$frdep_ ep°S>_p_p ApfÑcdpÑ A\hp L$p°C Z ep°S>_p_u rsr\dpÑ Q|ÑV$u

iL$pe R>°.

fpCX$f hurds fL$d d|m ep°S>_p l°W$m d©–ey f hurds fL$d L$fspÑ D√Q _l] lp°C iL°$. fpCX$f ‚urdedp° d|m ep°S>_p

l°W$m Q|L$hpe°gpÑ ‚urded_p 30%\u hy _ lp°hp ≈°CA°. fpCX$f ‚urded QyL$hZu dyv$s ≈° ApDV$k°V$ g°hpC lp°e

sp° d|m ep°S>_p_u ‚urded QyL$hZu dyv$s\u hy _l] lp°C iL°$ A\hp ≈° |fsu g°hpC lp°e sp° d|m ep°S>_p_u bpL$u

‚urded QyL$hZu dyv$s\u Ap°R>u A\hp kdL$n fl°i° A_° fpCX$f ‚urded_u kps–esp d|m ep°S>_p l°W$m

‚urded_u kps–esp dyS>b S> fl°i°. d|m ep°S>_p g°‡k, ky fs L°$ S>· L$fp. sp° fpCX$f(fp°) sp–L$prgL$ kdp·

\pe R>°.

hprjÆL$ue ‚urded hudpÑL$_ hpfp_pÑ ‚urded A_° ≈° L$p°C lp°e sp° ‚urded dpV°$ gp°qXÑ$N A_°/ A\hp g°hu_° bpv$

L$fspÑ d|m ep°S>_p l°W$m sdpfp ‹pfp kÑv$ L$fpe°gu d|m hurds fL$d kÑbÑ dpÑ hjÆdpÑ Q|L$hhpp” fL$d R>°. ‚urded

QyL$hZu_yÑ dp›ed ep°S>_p_u rsr\ f S> bv$gu iL$pe R>°.

sbubu [ı\rs L°$ Afie rhL$pf kp\°_p kbıV$pfiX$XÆ$ ∆h_ dpV°$ LÑ$ _u_u bp°XÆ$ dÑS|>f hudpÑL$_ _urs AÑsNÆs ep°¡e

hpfp_pÑ ‚urded gpNy L$fpi°. |d∞ p__u kMs V°$h fph_pf dpV°$ LÑ$ _u LÑ$ _u_u bp°XÆ$ dÑS|>f hudpÑL$_ _urs

A_ykpf ep°¡e hpfp_pÑ ‚urded LÑ$ _u gpNy L$fu iL°$ R>°.

≈° Ap ep°S>_p_p L$p°C Z r_edp° A_° ifsp° kp\° sd° AkÑds lp° sp° sdpfp° hpÑ p° ≈Z L$fu_° s° ‚p‡s L$fhp_p

15 qv$hk_u AÑv$f (30 qv$hk fphsu qX$ıV$fik dpL£$qVÑ$N* Q°_g rkhpe khÆ rhsfZ Q°_gp° dpV°$ gpNy) LÑ$ _u_°

ep°S>_p v$ısph°S> pR>p L$fu_° Ap ep°S>_p fv$bpsg L$fu iL$p° R>p°. LÑ$ _u fv$ L$fhp_u spfuM ky u sd_° Ap°gyÑ ∆h_

fnZ A_° sbubu funZ s\p ıV°$Á X$ÈyV$u f LÑ$ _u ‹pfp L$fpe°gp MQÆ dpV°$ ‚dpZkf ≈°Md ‚urded Ap°Ry>Ñ

L$fu_° sd° Q|L$h°gpÑ ‚urdedp°_yÑ qfaÑX$ L$fi°.

*qX$ıV$fik dpL£$qVÑ$NdpÑ df∆_u v$f°L$ ‚h©r— (guX$ S>_f°i_ krls) A_° r_Á_rgrMs dp›edp° dpfas hudp ep°S>_p

h°QpZ_p° kdph°i \pe R>°:

i. V°$rgap°_- L$p°tgN_p° kdph°i fphsyÑ hp°Ck dp°X$

ii. ip°VÆ$ d°k°tS>N krhÆkuk (A°kA°dA°k)

iii. Cd°Cg, CfiV$f_°V$ A_° CfiV$fA°[ºV$h V°$rgrhT_ (X$uV$uA°Q) krls Cg°ºV≤$p°r_L$ dp°X$

iv. kup V$ pg\u A_° AMbpf s\p d°N°Tu_ CfikVÆ$k krls ‚–en dp°X$, A_°

v. Ïe[ºsNs rkhpe kÑv°$iÏehlpf_p L$p°C Z dp›edp° dpfas

_p°rd_°i_ kdepÑsf° ky pfZp A_ykpf hudp pfp 1938_u L$gd 39 A_ykpf dÑS|>f L$fpi°.

A°kpC_d°fiV$ kdepÑsf° ky pfZp A_ykpf hudp pfp 1938 _u L$gd 38 A_ykpf dÑS|>f L$fpi°.

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