Wednesday 28 November 2012

Receive guaranteed yearly income for many long years

SBI Life - Smart Income Protect (Traditional plan)

SBI Life - Smart Income Protect is a savings plan with added advantage of life cover and regular cash inflow at the time you need. It is a participating traditional plan where you continue to pay your regular premiums over a period of 5, 10 or 15 years. Thereafter your payout period starts, where you get guaranteed regular annual payouts over a period of 15 years, meeting your various financial obligations.  

 

Key Features:

                    Plan that provides Insurance Cover and Regular Income.

                    Choose your policy term from 5, 10 or 15 years.

                    Guaranteed annual payouts* (conditions apply) of 11% of Sum Assured/Paid up Sum Assured over a period of 15 years after maturity. The first instalment will be paid at the end of first year during the payout period.

                    Vested Reversionary bonuses plus Terminal bonus, if any, will be paid as lump sum at the end of the policy term, at maturity.

                    Customize your coverage through the wide range of additional rider benefits - SBI Life - Accidental Death benefit rider (UIN: 111B015V01), SBI Life - Accidental Total & Permanent Disability benefit rider (UIN: 111B016V01), SBI Life - Criti Care 13 Non Linked Rider (UIN: 111B025V01), SBI Life – Preferred Term Rider (UIN 111B014V01).
  

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To assist your Colleagues / Employees / Contacts / Network: Require the following - Name, gender, DOB, Email ID, Cell No.

                                          OR
 
Pl give my details to them: 9440557921 / anand_prem_raj@yahoo.com  
I will personally explain / email, all the plans details.. if they are interested I will assist them in having them or I will never bother them – correct plan details & excellent service assured.

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Benefits:

    On Maturity:
                 •    Maturity Benefit as lump sum: You get vested reversionary bonuses plus terminal bonus, if any, at maturity.
                 •    Maturity Benefit in Instalments: You will be paid yearly payouts equal to 11% of basic Sum Assured for next 15 years after maturity. This period of 15 years is your payout period. The first instalment will be paid at the end of first year during the payout period.

    On Death:
                •    In the unfortunate event of death of life assured during the policy term, the nominee will receive Basic sum assured plus vested reversionary bonuses plus terminal bonus, if any.
                •    In case of death during the payout period, all future payouts will be paid to the nominee or legal heir in lump sum immediately.

•    Tax Benefits

              •     Tax deduction under Section 80(C) is available. However in case the premium paid during the financial year, exceeds 10% of the sum assured, the benefit will be limited up to 10% of the sum assured.

              •     Tax deduction under Section 80(D) is available for premiums paid towards Criti Care 13 Non Linked Rider.

             •      Tax exemption under Section 10(10D) is available, subject to the premium not exceeding 10% of the sum assured in any of the years during the term of the policy.

             •     Tax benefits, are as per the Income Tax laws & are subject to change from time to time. Please consult your tax advisor for details.










Friday 16 November 2012

SBI Life's - Smart Income Protect (Traditional) Plan - 9440557921, anand_prem_raj@yahoo.com


SBI Life's - Smart Income Protect Plan (Traditional Plan)



  • ·         No market risk – it’s a Traditional policy

  • ·         Minimum premium policy term 5 yrs ( 5 yrs / 10 yrs / 15 yrs )

  • ·         Lump sum amount at maturity

  • ·         11% of Sum Assured will be paid every year for 15 yrs after maturity – written in the policy bond
  •  
  • ·         Life / Insurance cover – Regular income
  •  
  • ·         Surrender after 2 yrs
  •  
  •       For paid up policy also regular payouts for 15 yrs after policy term 





For more details & to enroll:- 9440557921, anand_prem_raj@yahoo.com

Thursday 8 November 2012

Tax Savings / Secure your FAMILY's financial future

Dear Friend,

If you are looking to invest for tax saving or secure your family's financial future.

Pl get in touch with me..


Good Day ..


Anand Prem Raj

Email: anand_prem_raj@yahoo.com / anandpremraj@gmail.com
Cell: 9440557921

Monday 21 May 2012

Take care of your parents living in Hyderabad/Secuderabad/Andhra Pradesh .. by staying abroad

Dear NRIs,

You are away from your parents for better prospects in a distance land,

but always worried about how your parents are doing,

           * supporting them every month by sending some amount for their needs,

           * doing this month after month religiously in your busy schedule is some times a cause of concern as you may be busy, your parents may be waiting for it, sending & receiving may be a concern as you have to spend some time month after month, etc.....

Is there a way where I will pay an X amount once and every month my parents should get some amount with out fail - SBI Life's Annuity Plus....


Immediate Annuity / Pension from SBI Life....

    * Pay only once and from this month-end   -- get Life Long Monthly Pension for YOU + Spouse + Lump sum to Children..

    * Same amount of Monthly Pension, irrespective of bank rate of interest...

    * No Medicals

    * Accident Death Benefit - 12 times of the Annual Pension

    * Start receiving Pension as early as 40 yrs

    * 14 Pensionable options to choose from...


For more details: 9440557921, anand_prem_raj@yahoo.com

Monday 19 March 2012

About to retire but no PENSION, 9440557921, anand_prem_raj@yahoo.com

About to retire, but no pension from my current job, nor I didn't plan for it. What to do?

I want to get pension from this month-end...



Immediate Annuity / Pension from SBI Life....

    * Pay only once and from this month-end   -- get Life Long Monthly Pension for YOU + Spouse + Lump sum to Children..

    * Same amount of Monthly Pension, irrespective of bank rate of interest...

    * No Medicals

    * Accident Death Benefit - 12 times of the Annual Pension

    * Start receiving Pension as early as 40 yrs

    * 14 Pensionable options to choose from...


For more details: 9440557921, anand_prem_raj@yahoo.com

Non Resident Indians - Good News for you & Parents... 9440557921, anand_prem_raj@yahoo.com

Dear NRIs,

You are away from your parents for better prospects in a distance land,

but always worried about how your parents are doing,

           * supporting them every month by sending some amount for their needs,

           * doing this month after month religiously in your busy schedule is some times a cause of concern as you may be busy, your parents may be waiting for it, sending & receiving may be a concern as you have to spend some time month after month, etc.....

Is there a way where I will pay an X amount once and every month my parents should get some amount with out fail - SBI Life's Annuity Plus....


Immediate Annuity / Pension from SBI Life....

    * Pay only once and from this month-end   -- get Life Long Monthly Pension for YOU + Spouse + Lump sum to Children..

    * Same amount of Monthly Pension, irrespective of bank rate of interest...

    * No Medicals

    * Accident Death Benefit - 12 times of the Annual Pension

    * Start receiving Pension as early as 40 yrs

    * 14 Pensionable options to choose from...


For more details: 9440557921, anand_prem_raj@yahoo.com

Good News - NRIs

Dear NRIs,

You are away from your parents for better prospects in a distance land, but always worried about how your parents are doing, supporting them every month by sending some amount for their needs, doing this month after month religiously in your busy schedule is some times a cause of concern..... Is there a way where I will pay an X amount once and every month my parents should get some amount with out fail - SBI Life's Annuity Plus....

Immediate Annuity / Pension from SBI Life....

    * Pay only once and from this month-end   -- get Life Long Monthly Pension for YOU + Spouse + Lump sum to Children..

    * Same amount of Monthly Pension, irrespective of bank rate of interest...

    * No Medicals

    * Accident Death Benefit - 12 times of the Annual Pension

    * Start receiving Pension as early as 40 yrs

    * 14 Pensionable options to choose from...


For more details: 9440557921, anand_prem_raj@yahoo.com

sbi life's - Flexi Smart Plan - 9440557921, anand_prem_raj@yahoo.com

SBI Life – Flexi Smart Insurance, an Individual, Non-Participating traditional life insurance cum savings plan, which helps you in fulfilling all your dreams. It gives you flexibility to adapt to your ever-changing needs, while assuring guaranteed benefits to take care of your savings.
 

Key Features:
 
Guaranteed Interest Rate: Guaranteed interest rate of 2.50% p.a., will be guaranteed for the entire policy term.
 
Interim Interest Rate: An interim interest rate will be declared at the beginning of every financial year, which will be equal to or more than Guaranteed Interest Rate and will be guaranteed for that year. 
 
Additional Interest Rate: An additional interest rate may also be declared, as on 31st March, every year, based on the performance of the Company.
  Your policy account will be credited with interim interest rate and additional interest rate, if any
 
Superior Flexibilities:
  Flexibility in premium frequency -> Yearly, Half Yearly, Quarterly and Monthly.
  Option of premium holiday during the policy term.
  Enjoy complete flexibility to increase or decrease your Sum Assured.
  Option to choose sum assured multiplier factor (SAMF).
  Option to boost your investments through Top-ups.
 
Triple Plan Benefit of guaranteed interest rate, additional interest rate and superior flexibilities.
 

Product Snapshot:
 
Age^ at Entry Min: 8 years Max: 60 years
Age^ at Maturity Max: 70 years
Sum Assured Min: Annualized Premium × 10 Max: Annualized Premium × 20
Policy Term 10 to 20 years (both inclusive)
Premium Paying Term Same as policy term
Premium Frequency Yearly / Half-yearly / Quarterly / Monthly***
Premium Amounts
Min
Yearly -   Rs 15,000 (X 100)*
Half-yearly -  Rs   8,500 (X 100)*
Quarterly - Rs   4,500 (X 50)*
Monthly -  Rs   1,500 (X 50)*

*In case of mode change it may be in multiples of Re 1
Max
No limit
No limit
No limit
No limit
Top-up Premium Rs.2,000 (X 100)
At any point of time during the policy term, the total top-up premium paid shall not exceed the sum total of regular premiums paid at that point of time
^All the references to age are age as on last birthday.
***For monthly mode, 3 months premium to be paid in advance and renewal premium payment is allowed only through ECS, Credit card, Direct debit and SI-EFT
 

Benefits:
 
On Death
  Death benefit is payable only when your policy is inforce. In case of death of the life assured during the policy term, death benefit will be sum of :
 
Balance of Policy Account at the time of death intimation.
 
Sum Assured.
 
  In case of death of life assured, when policy is in premium holiday mode, death benefit will be sum of :
 
Balance of Policy Account at the time of death intimation.
Sum Assured MINUS unpaid risk premium component along with applicable taxes.
 
 
In case of minor life assured, if the proposer dies, no benefit will be paid. For the policy to be in force, guardian of the life assured should continue paying premiums.
 
On Maturity
 
At maturity we would be declaring terminal interest rate, which will be attached to your balance policy account and will be paid to you as on the date of maturity in lump sum.
 
    Tax Benefits**
    U/s 80C of the Income Tax Act 1961 on your premiums.
 
    U/s 10(10D) of the Income Tax Act 1961 on your maturity / death / surrender proceeds under the policy.
 
* Interim Interest rate will be declared at the beginning of every Financial Year. Additional Interest Rate may also be declared, as on 31st March, every year. The guarantee is applicable to policies which are inforce and within the revival period.

sbi life's - Flexi Smart Insurance Plan - 9440557921, anand_prem_raj@yahoo.com

      - Pay for min. 10 yrs or max. 20 yrs

      - Get Insurance Cover for 10 times of the amount we pay
 
      - From 6th year if not able to pay can take PREMIUM HOLIDAY upto 3 years i.e., no need to pay, but still there will be insurance cover & bouns (which normally we don't find in other insurance companies including LIC) - can take these 3 yrs at a time or individually.
 
             Ex: Paid for 1 to 5 years, 6 to 8 yrs - for 3 years have taken premium holiday, can pay from 9 yrs onwards. (In other insurance companies one has to pay for those 3 years also if they want to continue the plan but will not have insurance cover & bonus, here in SBI those 3 years are waived)
      - Option to enhance your savings in good times through TOP UPs

      - If you want from 6th year you can withdraw up to 20% of the Fund Value - LIQUIDITY

      - If you want from 6th year any time you can close the plan and take 100% of the amount without any charges  - LIQUIDITY

      - End of the term either take the entire amount at one go OR Life Long Monthly Pension for you, next for your spouse, next FUND VALUE to children.

      - Many more......