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......

Pay today & get PENSION from this month-end - 9440557921, anand_prem_raj@yahoo.com

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 - Annuity (Pension) Plus Plan - 9440557921, anand_prem_raj@yahoo.com

Increasing life expectancy rate, rising health care costs, absence of social security system in India and disintegration of joint family system are some of the key reasons that makes retirement planning very critical.

To help you continue celebrating your life post-retirement to the fullest, SBI Life presents you an array of pension plans which are simple and innovative.

PAY TODAY & GET LIFE LONG MONTHLY PENSION FROM THIS              MONTH END ONWARDS.... SBI Life - Annuity Plus Plan, a traditional, non-participating immediate annuity plan

Details: 9440557921, anand_prem_raj@yahoo.com

SBI Life's - Annuity (Pension) Plus Plan - 9440557921, anand_prem_raj@yahoo.com

Increasing life expectancy rate, rising health care costs, absence of social security system in India and disintegration of joint family system are some of the key reasons that makes retirement planning very critical.

To help you continue celebrating your life post-retirement to the fullest, SBI Life presents you an array of pension plans which are simple and innovative.

Introduction:   SBI Life - Annuity Plus, a traditional, non-participating immediate annuity plan, which offers a comprehensive range of annuity options along with inbuilt flexibilities. It provides an opportunity to you to maintain your standard of living.
Key Features:
•	Complete freedom to choose from a wide range of Annuity options
•	Enjoy a regular income (“annuity payout”) from an early age of 40 years
•	You have an option to have Lifetime Annuity payout for you as well as a family member
•	Flexibility to choose frequency of annuity payouts as per your requirements – Monthly, Quarterly, Half-yearly or Yearly
•	Incentives of higher annuity rates for large premiums
•	Option of availing SBI Life- Accidental Death Benefit Rider (UIN:111B015V01)
•	Flexibility to advance your Annuity payouts
•	Return of premium options
Product Snapshot
Age Limits* Minimum age at entry : 40 years                Maximum age at entry: 80 years Annuity Payout  (per installment) Minimum :  Monthly: Rs.200, Quarterly: Rs.600,                      Half-yearly: Rs.1,200, Yearly: Rs.2,400 Maximum: No limit Annuity payout mode Monthly, Quarterly, Half-yearly or Yearly Premium Amounts  Minimum. : Such that the minimum annuity installment can be paid Maximum.: No Limit
*All references to age are age as on last birthday.
Wide Variety Annuity Options available:
•	Life Annuity (Single Life): Annuity payout at guaranteed rate, through-out the life of the annuitant. You may choose from following options:
	•	Lifetime Income
	•	Lifetime Income with Capital1 Refund
	•	Lifetime Income with Capital1 refund in parts
•	Lifetime income with Balance Capital2 Refund: Annuity is payable at a constant rate throughout the life. On death, the Balance capital (in case positive) will be paid.
•	Lifetime income with Annual Increase of 3% or 5%: Annuity payout increases at a simple rate of 3% or 5% p.a. for each complete year and is payable throughout the life of the annuitant. All future annuity payouts cease immediately on death and the contract terminates
•	Lifetime income with certain period of 5, 10, 15 or 20 years and life thereafter:
	•	Annuity is payable at a constant rate for a minimum fixed period of 5, 10, 15 or 20 years; and for life thereafter.
•	Life Annuity (Two lives):  The annuity payout will continue at a guaranteed rate, throughout the life of the annuitants. You may choose from below options:
	•	Life and Last Survivor - 50% or 100% Income without Capital Refund
	•	Life and Last Survivor - 50% or 100% Income with Capital Refund
1Capital will mean Premium (excluding service tax and rider premium, if any) under the policy
2Balance Capital = Premium (excluding service tax and rider premium, if any) – Annuity payouts made till date.
Benefits:
Annuity payable as per the annuity option chosen. SBI Life - Accidental Death Benefit Rider (UIN: 111B015V01)
Age at Entry (as on last birthday):  Min – 40 years, Max – 60 years
Rider Term (fixed): 10 years
Maximum Age at maturity: 70 years
Minimum Sum Assured: Rs. 25,000/-
Maximum Sum Assured: Rs. 50, 00,000/-
Exclusions:
•	Rider exclusion: Please refer to sales brochure for the Accidental Death Benefit Rider (UIN: 111B015V01) for details
Tax Benefits: Tax benefits will be available as per the prevailing tax laws. All annuity payouts may be subject to income tax as per the law prevailing on the date of payout. For specific details, please contact your tax consultant.

Secure your future, save tax and get assured money back - 9440557921, anand_prem_raj@yahoo.com

Secure your future, save tax and get assured money back:

      Tax Planning,                                         Child Education & Marriage Plans

      Family Protection Plans                       Retirement Planning

      Car Insurance                                         Health Insurance

      Travel Insurance                                  Home Insurance

      Short, Medium & Long Term Investments and Wealth Creation

Pl call or write: 9440557921, anand_prem_raj@yahoo.com