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Agent:GoodMorning,sir.Thankyouverymuchfortheappointment.
Prospect:GoodMorning.Iwouldliketoknowmoreaboutyournewplan
‘ENDOWMENTPLUS’.
Agent : ENDOWMENT PLUS is a very attractive plan. It is designed as per the recent guidelines of
IRDAandaimstogivebestreturnstothepolicyholders.
ItisaUnitLinkedEndowmentplan.
MinimumRiskCoverisguaranteed.
ThisplanhasfacilityforLoanafter3yearsfromcommencement.
PartialWithdrawalispossibleafter5yearsfromcommencement.
Plancanbeavailedonthelifeofachild,abovetheageof7years.
Ithas2optionalriders,whichmeansextraprotection.
Prospect:WhatarethereturnsatMaturityunderENDOWMENTPLUS?
Agent:ThePolicyholder’sFundValueispayableonMaturity.Youmayreceivethisamountinlumpsum
orexercise‘SettlementOption’.IfSettlementOptionisexercisedyoucanen-cashtheunitsavailableon
Maturityatregularintervals,spreadoveraperiodofnotmorethanfiveyears.
Prospect:WhataboutPartialWithdrawals?
Agent:PartialWithdrawalsareallowedafter5yearsfromthedateofcommencement.Youmaywithdraw
theentireamountabove2annualisedpremiums.IncaseofSinglePremiumwithdrawalisallowedsubject
tominimumbalanceof25%ofthepremiumpaid.TheSumAssuredunderthepolicyshallbereducedto
the extent of withdrawal amount for a period of 2 years only. After a period of 2 years from Partial
Withdrawal Sum assured shall be treated for the full initial amount. In case there is a loan under the
policy,youcanexercisepartialwithdrawalonlyaftertheloanisfullypaid.
Prospect:Yousaidloanisalsopossibleunderthisplan.
Agent:Yessir,itispossibletoavailloanafter3yearsfromcommencement.Loanswillbeavailableupto
30%oftheFundValue.
Prospect:WhatshallbepayableineventofdeathoftheLifeAssured?
Agent:Ineventofunfortunatedeathofthelifeassuredduringtheterm,higherofPolicyholdersFund
ValueandSumassuredispayable.
bkgangadhara@gmail.com
Mobile: 8050604991
Prospect:Whatridersisthisplanoffering?
Agent:YoucanoptforCriticalIllnessriderand/orAccidentBenefitRider.
Prospect:Whatarethebenefitsundertheseriders?
Agent:UnderCriticalIllnessrider,incaseofdiagnosisofdefinedcategoriesofCriticalIllness,‘Critical
IllnessSumAssured’ispayable.IncaseofAccidentBenefitRider,ineventofdeathduetoanaccident,
AccidentBenefitSumAssuredispayable.ForavailingAccidentBenefitRiderthechargeisaslowas0.50
‰ABSumAssuredperyearforavailingCriticalIllnessRiderthechargeisagespecific.
Prospect:SincethisisaULIPplancanyoutellmemoreaboutthecharges
underthisplan.
Agent:TherearenominalchargesforPremiumAllocation,PolicyAdministrationandFundManagement
andServiceTaxcharge.Thenetofpremiumspaidbyyoushallbeinvestedthroughtheselectedfund.
Prospect:Canyoubriefmeabouttheassetallocationofthevariousfunds.
Agent : This plan has 4 types of fund namelyBondFund, SecuredFund,Balanced Fund and Growth
Fund. The Asset allocation for Bond fund shall be not less than 60% in Government/ Government
Guaranteed Securities or Corporate Debt and not more than 40% in Money Market instruments. The
investment pattern for Secured fund is not less than 45% is invested in Government/Government
Guaranteed Securities or Corporate Debt, not more than 40% is invested in Money Market instruments
and 15-55% is invested in listed equity shares. In Balanced fund not less than 30% is invested in
Government/GovernmentGuaranteedSecuritiesorCorporateDebtandnotmorethan40%isinvestedin
Money Market instruments and 30-70% is invested in listed equity shares. In case of Growth Fund the
assetallocationis
notlessthan20%isinvestedinGovernment/GovernmentGuaranteedSecuritiesorCorporateDebt,not
more than 40% is invested in Money Market instruments and 40-80% is invested in listed equity shares.
Youhavetochooseanyonefundtypeforyourpolicy.
Prospect:CanIchangemyfundtypeduringthecourseofthepolicy?
Agent:Yes,youcanswitchbetweenfunds.Thisplanoffers4freeswitchesayear.Youcanswitchoveras
manytimesasyoulike.TherewillbeachargeofRs.100perswitchafterallthefreeswitcheshavebeen
usedup.
Prospect:HowmuchpremiumcanIpayundertheplan?
Agent:YoucanpaypremiumfromRs.20,000toRs.1,00,000p.a.underregularpremiumplan.For
SinglePremiumPlans,minimumpremiumisRs.30,000.
bkgangadhara@gmail.com
Mobile: 8050604991
Prospect:WhatifIamunabletopaythepremiumswithindaysofgrace.
Agent:Togetfullbenefitsunderthepolicyatalltimes,itisveryessentialtokeepthepolicyinforceby
payingthepremiumsontheduedate.Thishabitofpayingpremiumsregularlyalsohelpsyoutomaintain
adisciplineinsavings.Ifhowever,youfailtopaythepremiumswithinDaysofGrace(30daysfromdue
date),youshallreceiveanoticetoexerciseoneofthefollowingoptions-
(i)Revivethepolicyor
(ii)Withdrawcompletelyfromthepolicy.
Theoptionshouldbeexercisedwithin30daysofreceiptofthenotice.Duringthenoticeperiod
thepolicyshallbetreatedinforceandallchargeswillbecontinuedtobededucted.
Prospect:HowcanIrevivethepolicy?
Agent:Onexercisingtheoptionforrevival,youcanrevivethepolicybypayingthearrearsofpremiums
withoutinterest.
Prospect:Whathappensincaseofwithdrawal?
Agent : Sir, I will advise you to continue the policy under any circumstances. However due to some
compellingreasonsbeyondyourcontrol,youareforcedtoexercisetheoptionforwithdrawal;TheFund
Value shall be payable to you. In case, the option for withdrawal is exercised after five years from
commencement, there shall be no discontinuance charge because of such withdrawal. However, if the
withdrawaloptionisexercisedbeforecompletionof
5yearsfromcommencement,theMonetaryValue(FundValuelessdiscontinuancecharges)willbekept
inDiscontinuedPolicyFund.Thisamountshallearnaminimuminterestof3.5%paandwillbepayable
onlyoncompletionof5yearsfromdateofcommencement.
Prospect:WhatifIwishtotakethisplanonthelifeofmychild.
Agent:Thisplanisavailablefromtheageof7years.The riskonthelifeofthe childwillcommence
immediately.Sincethechildisaminor,ABandCIridersmaybeavailedfromthepolicyanniversaryafter
completionof18yearsofage.Partialwithdrawalsandloanarealsopossiblefrompolicyanniversaryafter
attainmentof18yearsofagebytheLifeAssured.
Prospect:Ithink,thisplanwillbegoodformychild.
Agent:Sir,thisistheBenefitIllustrationforyourchild&thisistheproposalform.Ishallhelpyouwith
allthenecessaryproceduresforsubmissionoftheproposalpapers.ThankYou.
bkgangadhara@gmail.com
Mobile: 8050604991
bkgangadhara@gmail.com
Mobile: 8050604991
bkgangadhara@gmail.com
Mobile: 8050604991