Aegon Life Insurance

Introduction
 AEGON, an international life insurance, pension and
investment company, Religare, a global financial services
group and Bennett, Coleman & company, India’s largest
media house, have come together to launch AEGON
Religare Life Insurance Company Limited (ARLI).
 ARLI launched its pan-India operations in July, 2008
following a multi-channel distribution strategy with a
vision to help people
plan their life better
 ARLI has launched a suite of products that are focused on
providing the customer with the means to meeting their
long-term financial goals
 ARLI products such as AEGON Religare iTerm Plan and
AEGON Religare Invest Maximiser Plan.
 Aegon Products
 AEGON Religare Level Term Plan.
 AEGON Religare Increasing Term plan.
 AEGON Religare Decreasing Term Plan.
 AEGON Religare Group Term Plan.
 Rural Term Plan.
 Religare Group Credit Life Plan.
 AEGON Religare iTerm Plan.
 AEGON Religare Future Protect Plan.
 AEGON Religare Future Protect Plus Plan.
 Money Back Plus Plan.
 Retirement Plans
 Insta Pension Plans
 AEGON Religare Level Term Plan

 Ensures protection for your loved ones at a fraction

of the cost. With the help of aegon, fill out the Life
Planner that will help you take the steps to having
your own plan.

 Features and Benefits:-

 Enhanced Sum Assured  

This policy gives you the option to increase your
Sum Assured. This increase in the sum assured is
subject to a maximum of 50% of the sum assured or
Rs 10 lakh (whichever is lower), without the hassle
of going through a medical examination or any other
underwriting requirements.
 Tax Benefits
Premiums paid for AEGON Religare CI Rider may
qualify for a deduction under Section 80D of the
Income Tax Act, 1961 .
AEGON Religare Increasing Term plan
 Grows with your increasing responsibilities.

 Benefits:-

 Death
In case of your unfortunate demise, the benefit
payable is 100% of the Sum Assured in the first
year which increases by 5% on every policy
anniversary thereafter, till the amount payable on
death becomes twice the Sum Assured. After that,
the benefit payable remains twice the Sum Assured.
 Annualised Minimum - Rs. 2,000
 Tax Benefits Premium p.a for regular
Section 80C, 10 (10D) of the premium 
Income Tax Act, 1961 would   Rs. 10,000 for
apply. Premiums paid for single premium
AEGON Religare CI Rider may
qualify for a deduction under Sum Assured Minimum - Rs. 5,00,000
Section 80D of the Income
Tax Act, 1961. Entry Age Minimum - 18 years
Maximum - 55 years
Maturity Age Maximum - 75 years
Premium Pay Single / Equal to the
Term policy term
Policy Term Minimum - 10 years; 
Maximum - 30 years

Premium Single, Yearly, Half-

Payment yearly, Quarterly,
Frequency Monthly (via ECS
only)
 Decreasing Term Plan
 A plan which has a cover that declines and the
premium you pay is low. 
 Plan that ensures your liabilities don’t give you
stress.
 Benefits:-
 Death
In case of your unfortunate demise, the benefit payable is
100% of the Sum Assured in the 1st year, after which it
will reduce by 5% on every policy anniversary.
 Tax Benefits
Section 80C, 10 (10D) of the Income Tax Act, 1961 would
apply .
 Eligibility

   Annualised Premium Minimum - Rs. 2,000 p.a

for regular premium 
             - Rs. 10,000
for single premium
Sum Assured Minimum - Rs. 5,00,000
Entry Age Minimum - 18 years 
Maximum - 55 years
Maturity Age Maximum - 75 years
Premium Pay Term Single / 11 years (except
for 10-year plan where
premium pay term is
equal to the policy
term)
Policy Term Minimum - 10 years; 
Maximum - 20 years
Premium Payment Single, Yearly, Half-
Frequency yearly, Quarterly,
Monthly (via ECS only)
AEGON Religare Group Term Plan
 provides the members of your group with a life
insurance plan so that their families’ needs are
looked after.

 Benefits

 Death  
In case of any member’s unfortunate demise, you
will be paid the Sum Assured for the nominee. 
 Eligibility 
Premium Minimum - Depends upon the group
Size & Sum Assured opted 
Maximum - No limit
Sum Assured Minimum - Rs. 5,000 per member 
Maximum - Rs. 2,00,000 per member
Entry Age Minimum - 18 years 
Maximum - 59 years
Maturity Age Maximum - 60 years
Size of the Minimum - 50 members 
Group Maximum - No limit
Premium Pay Equal to the policy term
Term
Policy Term 1 year (yearly renewable)
Premium Single,Half- yearly, Quarterly,
Payment Monthly (via ECS only)
Frequency
 Rural Term Plan
 A low-cost plan that offers 100 times of your premium as
life cover.
 Benefits
 Maturity – On Survival till the end of policy term,
you receive an amount of 110% of the Single
Premium paid.
 Death - In case of your unfortunate demise during
the policy term, the benefit payable to your nominee
is the Sum Assured which is 100 times of the Single
Premium paid.
 Surrender - You can surrender the policy anytime
you want. Guaranteed Surrender value is the
percentage of the Single Premium you have paid.
 Tax Benefits
 Section 80C, 10 (10D) of the Income Tax Act, 1961
as applicable would apply.
 Group Credit Life Plan
 Provides the members of your group with a life insurance
plan but also adequately covers their outstanding loan
amount so that your as well as their families’ needs are
looked after, at an affordable cost.
 Key Features
 Certificate of Insurance
On acceptance of risk and premium, certificate of
insurance shall be issued to respective members
 Benefits
 Death
Level Sum Assured - In case of any member’s unfortunate
demise, benefit payable is the chosen sum assured.
Decreasing Sum Assured - In case of any member’s
unfortunate demise, benefit payable is the sum assured as
per the sum assured schedule. The Sum Assured schedule
will be decreasing at the interest rate as defined in the
scheme rules.
 AEGON Religare iTerm Plan
 Benefits
 Death - In case of your unfortunate
demise, the Sum Assured is payable
to your nominee.
 Eligibility
Minimum - Rs. 10,00,000 (in
Multiple of Rs. 1,000)
Sum Assured
Maximum - No limit (subject to
underwriting requirements)
Minimum - 18 years
Entry Age*
Maximum - 60 years
Maturity Age Maximum - 65 years
Minimum - 5 years;
Policy Term
Maximum - 25 years
Premium Pay Term Equal to the policy term
Premium Payment Frequency Yearly
 AEGON Religare Future Protect Plan

 Life, if systematically managed, can constantly keep changing

for better, leading only to a more secured tomorrow. AEGON
Religare Future Protect Plan aims to do just that for you.
 With the help of our Life Agent, fill out the Life Planner that
will help you take the steps to having your own plan
 How does the plan work?
Step 1
 Decide on the amount of premium you wish to pay every year
Step 2:
 Choose the amount of insurance cover you want (Sum
Assured)
Step 3:
 Decide on the policy term
Step 4:
 Invest your premium in choicest of 4 Funds OR a unique
‘Invest Protect’ option
 Features & Benefits
 :
 Maturity
 On maturity, you receive the fund value existing on
maturity date. If you do not wish to take the entire maturity
amount at one go, you can avail of the Settlement Option.
 Settlement Option –
 Under this option, you receive your maturity proceeds in
installments over a period you choose (not exceeding 5
years). Investment risk during the settlement period is
borne by you.
 Partial Withdrawal
 You can partly withdraw your money after first 5 policy
years. The maximum amount of partial withdrawal allowed
in any policy year is 20% of the fund value at the beginning
of that policy year. You can also avail of AEGON Religare
Future Protect Plan’s Systematic Partial Withdrawal facility
by which we redeem units periodically from your unit
account and credit the money to your bank account. You can
opt for systematic partial withdrawals frequency; say
monthly or quarterly for the duration you choose.
 Discontinuance
 You can discontinue the policy any time. Discontinuance value
is paid after first 5 years. Discontinuance value is fund value
minus the discontinuance charges of the year in which the
premiums were discontinued. The charge will depend upon the
period for which you have paid your premiums, for detailed
charges refer to the brochure. There is no charge on top-up or if
the policy is discontinued after 4 policy years.
 Death
 In case of your unfortunate demise during the policy term, the
nominee will receive the sum assured or the fund value,
whichever is higher. However, it will not be less than 105% of
the total premium including top-up premium. The fund value is
the number of units in your unit account multiplied by their
respective unit price. For further details on the above benefits
refer to Terms and Conditions in the brochure.
 Tax Benefits
 Premium paid under this policy will be eligible for tax benefit
u/s 80C and the benefits received under the policy will eligible
for tax benefit u/s 10(10D). Please consult your tax advisor for
details.
AEGON Religare Future Protect Plus
Plan

 How does the plan work?


Step 1: Decide on the amount of premium
you wish to pay every year
Step 2: Choose the amount of insurance
cover you want (Sum Assured)
Step 3: Decide on the policy term
Step 4: Invest your premium in choicest
of 4 Funds OR a unique ‘Invest Protect’
option
 Features & Benefits:
 Maturity - On maturity, you receive the fund value existing on maturity
date. If you do not wish to take the entire maturity amount at one go, you
can avail of the Settlement Option.
 Settlement Option -Under this option, you receive your maturity
proceeds in installments over a period you choose (not exceeding 5 years).
Investment risk during the settlement period is borne by you.
 Partial Withdrawal - You can partly withdraw your money after first 5
policy years. The maximum amount of partial withdrawal allowed in any
policy year is 20% of the fund value at the beginning of that policy year.

You can also avail of AEGON Religare Future Protect Plus Plan’s Systematic
Partial Withdrawal facility by which we redeem units periodically from your
unit account and credit the money to your bank account. You can opt for
systematic partial withdrawals frequency; say monthly or quarterly for the
duration you choose.
 Death - In case of your unfortunate demise during the policy term, the
nominee will receive the sum assured along with the fund value. However,
it will not be less than 105% of the total premium including top-up
premium. The fund value is the number of units in your unit account
multiplied by their respective unit price. For further details on the above
benefits refer to Terms and Conditions mentioned later.
 Money Back Plus Plan
 How does the plan work?
 All you will need to do is choose the
protection you need. You will receive
periodic survival benefits at the end of 4th
year, 8th year and 12th year at the rate
of 10%, 20% and 30% of sum assured
respectively. Moreover, the plan is a with
profit plan wherein the Company will
declare bonus rate from the first policy
year onwards.
 Key Advantages
 Life cover continues for a period of 6
years after the end of premium payment
term.
 Bonus accrues first year onwards.
 Regular inflow of income at regular
intervals.
 120% of sum assured paid till maturity.
 100% of sum assured along with accrued
bonus incase of death during policy term.
 Features & Benefits

 Maturity Benefit - At the end of the policy term,

you will be entitled to receive 60% of sum
assured or 100% paid up sum assured, as
applicable with the simple reversionary accrued
bonus.
 Death Benefit - In case of your unfortunate
demise, the nominee receives the sum assured or
paid-up sum assured along with the simple
reversionary accrued bonus and terminal bonus, if
any, irrespective of the periodic survival benefits
already paid and the plan cease to exist.
 Periodic Survival Benefits - At the end of 4th, 8th
and 12th policy year, you are entitled to receive a
percentage of sum assured as periodic survival
benefits as per the table below:
End of Year % of Sum Assured paid 4th year 10%,
8th year20% ,12th year 30%
 Surrender Benefit - The policy will acquire
surrender value after completion of 3 years. You
have the option to surrender the policy anytime
after payment of 3 years’ premium The Surrender
Value is calculated as Surrender value factor X paid
up sum assured.
 Bonus - Your policy will participate in the profits
emerging in the participating fund managed by
the Company. The Company will declare simple
reversionary bonus as percentage of sum assured
every year provided the policy is in force for full
sum assured. Bonuses once declared form a part
of guaranteed benefits of the plan. The bonus will
be paid in case of maturity or on an earlier
demise.
 Paid-Up Policy - Incase you fail to pay your
premiums after 3 years, the policy still continues
with the paid-up sum assured.
 Tax Benefit -Premium paid under this policy will be
eligible for tax benefit u/s 80C and the benefits received
under the policy will be eligible for tax benefit u/s
10(10D).
 Eligibility

Minimum - 90 days
Entry Age
Maximum - 60 years

Maturity Age 76 years

Minimum Sum
Rs.100,000
Assured
Policy Term 16 years
Premium
10 years
Payment Term
Premium
Annually, Half Yearly &
Payment
Monthly
Mode*
 Money Back Plan
 This plan covers you for 10 years by paying premium for
only 5 years. What’s more, it also gives you 10% of Sum
Assured in the 6th policy year and 15% of the Sum
Assured in the 8th policy year in addition your maturity
benefits.
 Features & Benefits:
 Money Back - At the end of the 6th Policy Year, you will
receive 10% of sum assured or paid up sum assured and
at the end of 8th Policy Year, you will receive 15% of sum
assured or paid-up sum assured.
 Maturity - At the end of the policy term, you get atleast
100% of the sum assured. In case of paid-up policies,
100% of the paid-up sum assured is paid.
 Death - In case of your unfortunate demise, the
nominee receives the sum assured or paid-up
sum assured irrespective of the payouts already
made and the plan cease to exist.
 Paid-Up Policy - Incase you fail to pay your
premiums after 3 years, the policy still continues
with the paid-up sum assured.
The paid-up sum assured will be calculated as
below:
(Number of years premiums received / Total
number of years premium payable) x Sum
Assured
 Surrender - The policy will acquire surrender
value on payment of 3 full years’ premiums. You
have the option to surrender the policy anytime
after payment of 3 years premium. The Surrender
Value is calculated as Surrender value factor x
sum assured and is payable after 3 policy years.
 Tax Benefits - Tax benefits are available as per
the prevailing tax laws. Please consult your tax
advisor for confirmation.
 Rider - You have the option to customize your
policy by adding AEGON Religare ADDD Rider.
Please read the rider brochure to know the rider
in detail.
 Insta Pension Plans
 A plan that pays you a continuous income post your
retirement for the rest of your life. So that you
maintain your current lifestyle even after retirement
and live the way you always have – without
compromise.
 How does the plan work?
 Step 1: Decide the amount of premium (lump
sum amount) you want to pay to purchase the
Annuity Plan.

 Step 2: Choose any one of the two available

annuity payout options.

 Step 3: Choose the annuity payout mode with

which you would want to receive your annuity.

 Step 4: Choose the most convenient way to

receive your annuity amount from any of the two
available options.
 Benefits

 Lifetime Income

 Depending on the annuity payout option that you

choose, the AEGON Religare Insta Pension Plan
provides you and your spouse an income for life.
 Features:-

 Annuity Payout Options

You have the choice to select from any of the
following Annuity Payout Option
 Life Annuity

If you choose the Life Annuity option, you will receive

your annuity payment for as long as you live.
 Joint Life Annuity
Under this option, an annuity is paid to you for your
entire life. In case of your unfortunate death, the
annuity payment will be continued to be paid to your
spouse, till your spouse is alive.
 Annuity Payout Mode
You can choose to receive your annuity either on a
monthly or on an annual basis.
 Options to receive you annuity
You have the option to receive your annuity amount
either by cheques or by direct credit to your bank
account.
 Eligibility

Premium Minimum: Rs.

1,00,000
Maximum: No
Limit
Premium Pay Term Single
Premium
Entry Age Minimum: 50
years
Maximum: 85
years
Entry Age of Spouse Minimum: 50
years
Maximum: 85
years
THANK YOU…..