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8/14/2019 TIPS Sales Training
1/15
A Reliance Capital
Reliance Total Investment Plan Series
Sales Pitch and Competitor Comparison
March, 2008
Strictly for internal Circulation
8/14/2019 TIPS Sales Training
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A Reliance CapitalStrictl for internal Circulation
Maximum Growth
Complete Flexibility
Easy Liquidity
Tax Benefits
An Investors Wishlist.
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A Reliance CapitalStrictl for internal Circulation
Presenting Reliance Total Investment Plans
that give you Total Investment, Total Flexibility
Invest as much as you want, anytime you want
7 Funds and 52 Free Switches every year
Easy Liquidity with Partial Withdrawals - absolutely free !
Charges as low as 1% for subsequent purchases
Tax Benefits
- All Investments eligible for tax deduction under section 80C
- Fund Value completely tax exempt under section 10(10D) upto age 45
For the first time 3 New Fund Offers in the same plan
Infrastructure Fund Energy Fund Mid-Cap Fund
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A Reliance Capital
Reliance Total Investment Plans Key Features at a Glance
Reliance Total Investment Plan Series I
Insurance (TIPS I)
Unit linked Plan
Pay single premium and relax
Option to purchase same plan in
subsequent years with reduced allocationcharges as low as 1%.
7 Fund Options (3 New Funds)
52 Free Switches in a year
Partial Withdrawals free of cost
Choose any Life Cover between 1.25 to 5
Times of Single Premium
Exchange Option Settlement Option
Systematic Transfer Plan under Equity
Fund
Strictl for internal Circulation
Reliance Total Investment Plan Series II
Pension (TIPS II)
Unit linked Plan
Pay single premium and relax
Option to purchase same plan in
subsequent years with reduced allocationcharges as low as 1%.
7 Fund Options (3 New Funds)
52 Free Switches in a year
Systematic Transfer Plan under Equity
Fund
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A Reliance Capital
Basic Plan Benefits
Payable on survival of the Life Assured
up to the end of the policy term,
provided the policy is in force
Fund value as on the date of maturity
relating to the basic policy
Plus Fund Value under top-up contributions
(if any), as on the date of maturity.
Payable on death of the Life Assured
during the policy term, provided the policy
is in force
Fund value or Sum Assured whichever is
higher, on the date of intimation of death
Plus Fund Value under top-up contributions (if
any), as on the date of the death
Strictl for internal Circulation
Payable on survival of the Policyholder
up to the end of the policy term,
provided the policy is in force
Complete Fund value of basic plan +
top up amounts, as on the date of
maturity used to purchase annuity
OR Commute 1/3rd of the fund value as
mentioned above as tax free lump sum
and use balance to purchase annuity
Payable on death of the Policy Holder
during the policy term, provided the
policy is in force
Complete Fund value of basic plan+ top up amounts,as on the date ofintimation paid as lump sum or used to
purchase annuity by beneficiary
Reliance TIPS I - Insurance Reliance TIPS II - Pension
MaturityBenefit
DeathBenefit
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Fund Options
Under both TIPS I - Insurance and TIPS II - Pension , you have a wide range
of 7 fund options including 3 new funds Infrastructure Fund Energy Fund Midcap Fund
Money Market, Corporate Bond, Gilt & Equity Funds.
The maximum allocation towards Money Market cannot exceed 40% of the
premium contribution at any point in time.
Strictl for internal Circulation
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Partial Withdrawal Facility for TIPS I -
Insurance Partial Withdrawals benefits:- Partial withdrawal facility to provide money at at your need
- Allowed after three years max withdrawal amount is mentioned
below:
Year 4 to 5 : 10% of FV
Year 6 to 9: 15% of FV
Year 10: 20% of FV
- During the last 5 years but after 3 years from commencement, 95% of
the fund value under the basic plan can be withdrawn
- Partial withdrawal will also be available under each top up fund, after
three years from the date of receipt of the top up premium
Strictl for internal Circulation
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Fund Management Charges- Equity/Infra/Energy/Midcap - 1.50%
- Money Market/Gilt/Corporate Bond - 1.25%
- Fund C (For Settlement only) - 1.30%
Charges
Allocation Charges
- Reduced Allocation Charges for Subsequent purchases in subsequent years
5
4
32
1
Year
1%5th Purchase - Platinum
2%4th Purchase - Diamond
3%3rd Purchase - Gold4%2
nd
Purchase - Silver
5%1st Purchase - Classic
Allocation
charge
Purchase
1%Top Up
Strictl for internal Circulation
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Commission Rates
1.00%
2.00%
3.00%
4.00%
5.00%
Allocation charge
0.50%Diamond
0.50%Platinum
1.00%Gold
1.50%Silver
2.00%Classic
Commission RatesReliance total
Investment Plan
Series I &II
Strictl for internal Circulation
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Platinum
AC=1%
Diamond
AC=2%
Gold
AC=3%
Silver
AC=4%
Classic
AC*=5%
ar 1 Year 5Year 4Year 3Year 2
PolicyTerm=10Yr
Year10
Maturity
PolicyTerm=6YrPolicyTerm=7YrPolicyTerm=8YrPolicyTerm=9Yr
Strictl for internal Circulation
If Silver is not purchased in the 2nd year then it can be purchased in the 3rd ,4th ,5th yr with PT**=8,7 and 6Yrrespectively.
If Gold is not purchased in the 3rd year then it can be purchased in 4th ,5th yr with PT=7 and 6 yr respectively.
If Diamond is not purchased in the 4th year then it can be purchased in 5th yr with PT=6.
Platinum can only be purchased only in the 5th year.
Next policy can only be purchased if all preceding policy have been purchased and arein force.
All the policies should end in the same date.
*AC=Allocation Charges; **PT=Policy Term
How the PlanWorks
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Snapshot of Policy Conditions
678910Policy term
54321Policy Year of first
Purchase
Policy term (It is fixed depending upon the policy year of first purchase)
No LimitTIPS I Insurance Rs.25000
upto age 40
Rs 50000 above age 40
TIPS II- Pension
Rs 25000 for all ages
Premium
(Single Premium)
70 Years28 YearsAge at Maturity
(Last Birthday)
646
637
628
619
6010
Maximum entry agePolicy Term
Maximum entry age depends on the policy term18 YearsAge at Entry
(Last Birthday)
MaximumMinimumBasic Plan
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Benefit Summary
Reliance Total Investment Plan Series
Investment
Flexibility
Tax Benefit
Premium u/s
80C of IT Act 1961
Maturity u/s
10(10D) of IT Act.
1961 (TIPS I
Insurance)
Invest any amount,
any time
Strictl for internal Circulation
7 Funds including 3
new sectoral funds
52 Free Switches
Every Year
Exchange Option -
TIPS I to TIPS II
Systematic Transfer
Plan
Easy
Liquidity
Partial
Withdrawal free
of charges! Under
TIPS I
Insurance
Low Cost
Allocation Charge
as low as 1% for
subsequent
purchases
Flexible Life
Cover
Ranging 1.25 to 5
Times of the
Single Premium
under TIPS I -
Insurance
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Happy Selling
Strictl for internal Circulation