BANDRUSKs AASHAYEIN

JEENE KI NAYI UMEED

Features
Single Premium

Guaranteed Addition (Rs.100 / Rs.90)

Loyalty Additions High Risk coverage in 1st year

Risk coverage at very low premium

Maturity Benefit:
Maturity Sum Assured (1/6th of Basic SA) Guaranteed Additions for full term Loyalty Additions

In case of Death of LA
1st Year

Basic SA (6 times of Maturity SA) + GA for 1 Yr 2nd to 4th Yr /9th yr 1/3rd Basic SA + GA for 4Yr/9Yr
Last Policy Year 1/3rd of Basic SA + GA for full term + LA

Loan
YES. Loan facility is available under this plan. Surrender
YES. The policy can be surrendered for cash after completion of atleast one policy year.

ELIGIBILITY CONDITIONS AND RESTRICTIONS

Min age at entry Max age at entry Term Min SA Max Sum assured

: 13 years (completed) : 60 yrs nearer birthday : 5 Yrs or 10 years. : Rs. 1,50,000 /: No limit

S A will be in multiples of Rs.30,000 /- only.

Tabular Prem rate 1000 Basic SA

Age / Term 13

5 Yrs 174.05

10 Yrs 164.45

18
20 25 30

174.40
174.50 174.65 174.70

164.85
165.00 165.15 165.40

35
40 45 50

175.10
176.10 177.75 180.85

166.25
167.95 170.90 175.90

Rebates:

Large Sum Assured Rebate on tabular premium per thousand Basic Sum Assured

Term Basic Sum Assured Below Rs. 3, 00,000 Rs. 3, 00,000 to Rs.5, 99,999
5 Year

10 Year Nil Rs 3.00

Nil Rs. 2.00

Rs. 6, 00,000 to Rs. 11, 99,999

Rs. 12, 00,000 and above

Rs. 2.50
Rs 3.00

Rs 3.50
Rs 4.00

Prem for 1,50, 000 Basic SA

Age / Term
13 18 20 25

5 Yrs
26108 26160 26175 26198

10 Yrs
24668 24728 24750 24773

30
35 40 45 50

26205
26265 26415 26663 27128

24810
24938 25193 25635 26385

ILLUSTRATION Age of LP 25 Yrs, BSA 3 lac

BANDRUSKS AASHAYEIN

Term
Premium

5 Yrs
51,795 72,500 +LA

10 Yrs
48,645
1,00,000+LA

Maturity
Yield (without LA & Tax )

6.96 %
Rs. 6,09,000 Rs.2lac +GA (18,000 to 36,000)

7.47 %
Rs.6,10,000 Rs.2lac +GA (20,000 to 90,000)

Death in 1st Year

Death after 1Yr before last Policy yr

Death during last Policy Year

Rs.1 lac +GA of Rs.45,000 +LA

Rs.1 lac +GA of Rs.1 lac +LA

ILLUSTRATION Age of LP 25 Yrs, BSA 6 lac

BANDRUSKS AASHAYEIN

Term
Premium

5 Yrs
1,03,290 1,45,000 +LA

10 Yrs
96,990
2,00,000+LA

Maturity
Yield (without LA & Tax )

7.02%
Rs. 6,09,000 Rs.2lac +GA (18,000 to 36,000)

7.51%
Rs.6,10,000 Rs.2lac +GA (20,000 to 90,000)

Death in 1st Year

Death after 1Yr before last Policy yr

Death during last Policy Year

Rs.1 lac +GA of Rs.45,000 +LA

Rs.1 lac +GA of Rs.1 lac +LA

What is great in this Plan

Premiums are very low Attractive Yield (8%) Insurance and Double Plus Tax free Maturity / Death Benefit

Loyalty Additions at Maturity

Loan facility

Surrender facility

Aashayein Yield Chart for different rates of LA

Age : 13 Yrs; Term : 10 Yrs BSA of Rs.1,50,000.
DOC 15.12.2008 Single Premium paid Rs. 24,668 /Risk Benefits available 1. Rs.1,50,000 + Rs. 2500 upto 14.12.09 2. Rs.50,000 GA(2500-22500) from 15.12.09 till 14.12.2017 3. Rs.50,000 +GA 25,000 + LA (last Year) Maturity amount payable on 15.12.2018 Rs.25,000 SA plus Rs.25,000 GA plus Loyalty Additions All the above are TAX FREE

Likely LA 0

Yield 7.32 %

Rs.1,000
Rs.2,000 Rs.3,000 Rs.4,000 Rs.5,000 Rs.6,000 Rs.8,000 Rs.10,000

7.53 %
7.74 % 7.95 % 8.15 % 8.35 % 8.54 % 8.93 % 9.30 %

Target Group
Is it People looking for Long Term Investment with reasonable return & Insurance Coverage, like Farmers, Professionals, Retired employees, Software Engineers, Doctors, Lawyers, NRIs, etc. etc. ?

NO !
Any body who can invest a minimum amount of Rs. 10000 + should be our target

THE BEST INVESTMENT

for an agriculturist
for landlord / landlady

For a keen Investor, who also needs Insurance protection Re-cycling Instrument

THIS IS THE BEST GIFT

to Grand Child by a Grand parent
to a child by his Parent for Higher Edn to a spouse by a Retiring Employee

Plant a Aashayein TODAY for your FUTURE

Thank you