Group Leave Encashment Plan

Group Leave Encashment Plan:-

FEATURE:-

This one is yet one more unit linked plan from Reliance Insurance that has been planned exclusively to help the insured to make a perfect balance between security cover as well as the optimum utilization of leave encashment liability assistance.
Some of the salient features and benefits of the Group leave encashment plan of Reliance Life Insurance are as follows:

• The payment of premiums under this policy is extremely flexible that depends mostly on the cash flow of the insured.
• Investment options are also presented in this policy and they too are very flexible. These options do help in distribution the risks that are normally connected with investments. The insured must choose an investment options based on the risk appetite.
• The insured can also transfer their assets from one investment to another and this can be at any point of time. Under this policy the insured can transfer their investment 52 times every year.
• Ample give is offered to the insured so that they can choose their very own insurance cover at an reasonable cost.
• The employees can also have annual leave encashment that is usually based on the last drawn salary.

The employer or the insured can surrender the policy at any point of time after which the surrender value of the policy would be paid to the insured after making a deduction of surrender charges if there is any. There is also a free look time in this policy under which the insured can test the policy for 15 days. If the insured is not satisfied with the policy then he or she can return this policy to the company.

contact for insurance:- sanjay tomer

                                       09466423767

Reliance Group Gratuity Plan

Reliance Group Gratuity Plan:-

FEATURE:-

In this policy, the investment risk in investment portfolio is borne by the policy holder

The Indian Government introduced the Payment of Gratuity Act in 1972. Generally gratuity accrues at a rate of 15 days last drawn salary per year of service for each employee or as defined by the trust deeds. Gratuity is payable immediately on cessation of employment, provided the employee has continuous service of at least five years. The five year provision does not apply on death or disablement of the employee. Gratuity, by nature is a medium to long-term liability of the employer and accordingly an appropriate medium- to long-term investment strategy should be adopted by the trustees to match assets and liabilities.
Liability for your employees' gratuity is often the trickiest thing to forecast accurately and manage well. While doing so you may come across some pertinent questions: What is my true liability for employees' gratuity? How do I manage this liability? Am I maximizing my potential tax benefit? Am I rewarding my most valuable employees adequately? Am I matching long-term liabilities under Gratuity with my investment strategy? Are my Gratuity assets professionally managed?
We at Reliance Life Insurance Company Limited can be of help to find answers to most of these very relevant questions. We can assist you to meet your obligations under the Payment of Gratuity Act while providing innovative solutions and delivering long-term results for your investment through our Reliance Group Gratuity Plan. You can also transfer your existing gratuity liability managed under some other funds to Reliance Life Insurance Company Limited Life.

Reliance Group Gratuity Plan

This is a unit linked group Gratuity product with fifteen different fund options, namely Capital Secure Fund, Growth Fund, Balanced Fund, Super Growth Fund, Growth Plus Fund, High Growth Fund, Pure Debt Fund, Money Market Fund, Corporate Bond Fund, Gilt Fund, Equity Fund, Infrastructure Fund, Energy Fund, Mid Cap Fund and Pure Equity Fund.
It enables employers / trustees with more than 20 employees to outsource the management of their employees' Gratuity Funds and the related administration to Reliance Life Insurance Company Limited.

	Disclaimer
	For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale
	UIN for Reliance Group Gratuity Plan: 121L011V01 contact for insurance:- sanjay tomer                                       09466423767

Reliance Group Superannuation Plan

Reliance Group Superannuation Plan:-

FEATURE:-

In this policy, the investment risk in investment portfolio is borne by the policy holder

Ensure a truly comfortable retirement option for your entire corporate family.
As an employer you currently contribute 12% of each employee's salary into the Employees Provident Fund scheme. But is it sufficient to provide an adequate retirement income for your employees?
The answer to this question is unfortunately NO.
Why? There are two main reasons.
Firstly employees have the option to withdraw assets from the Provident Fund on a regular basis to meet ongoing lifestyle expenses. Most of your employees will reach retirement age with an inadequate balance to purchase an income stream to provide them a reasonable income on retirement.
The second reason is that employees are now retiring younger but are living longer. Therefore the capital they need to buy an income stream is much greater than ever before, and this increase in life expectancy will continue to grow making this gap even greater.

	Disclaimer
	For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale
	UIN for Reliance Group Superannuation Plan - 121L021V01 contact for insurance:- sanjay tomer                                        09466423767

Reliance Secure Child Plan

Reliance Secure Child Plan:-

FEATURE:-

UNDER THIS PLAN THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

• Do you see your child becoming a trailblazer?
• Will they create the ultimate symphony or give sports a new dimension?

Our children may just be the ones to end the arms race and wipe out poverty from the face of the Earth. But for them to be able to aim for the skies, YOU NEED TO ACT NOW!
Introducing Reliance Secure Child Plan - a unique life insurance cum savings plan. Start saving from now and secure the future of your child.

Key Features – Reliance Secure Child Plan:
	Insurance cover on the life of child
	Money at critical milestones in your child's career path - college education, higher education, marriage
	Your child is completely protected - we will continue to pay the premiums even if you are not alive
	Life time income to child in the event of disability
	Return Shield option to protect your investment returns
	Liquidity in the form of partial withdrawals
	Capital guarantee available on maturity and on death of the child under Regular Premium basic policy
	Option to package with Reliance Accidental Death and Total and Permanent Disablement Rider, Reliance Critical Conditions Rider and Reliance Term Life Insurance Benefit Rider.
	Loyalty addition of 1% of the premiums paid under basic plan and top ups

	Disclaimer
	For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale
	UIN for Reliance Term Life Insurance Benefit Rider: 121C009V01,Reliance Accidental Death & Total and Permanent Disablement Rider: 121C002V01,Reliance Critical Conditions Rider 121B003V01, Reliance Secure Child Plan: 121L026V01 contact for insurance:-sanjay tomer                                     09466423767

Reliance Child Plan

Reliance Child Plan:-

FEATURE:-

The Reliance Life Insurance group has brought the new Reliance Child Plan: Child Plan a brilliant future of children. Every parent wishes to give their kids the best in life. This plan sum promises the same. This plan helps to save methodically so that the child can get the financial security in the future. This plan gives the kids a wonderful and soft future.

The key features of Reliance Child Plan: Child Plan are as follows:

• During the term of policy this plan gives a risk protection for the insured person.
• At the end of the policy term the policy holder will get accumulated bonus.
• Under this policy every year 25% of the sum assured is payable as lump sum benefit during the last four anniversaries of the policy.
• Under the Reliance Child Plan: Child Plan all view premiums which are waived in the event of unfortunate loss of life of the policy holder.
• The fixed benefits are continuous with guarantee even after the loss of the life of the policy holder.
• The Reliance Child Plan: Child Plan gives more value for the money by the way of high sum assured rebate.
• Under this policy the customer can make a choice to add the Benefit of two Riders. The two riders are Critical Illness and Accidental Death Benefit and Total and Permanent Disablement Rider.

The policy continues to participate in profit even after the unfortunate death of the policy holder.

contact for insurance:- sanjay tomer

                                       09466423767

Reliance Super Golden Years Plan – Plus

Reliance Super Golden Years Plan – Plus:-

FEATURE:-

After retiring from the life of work and schedule the days are to slow down and spend as much time possible with family. But retirement plan is not only about living a stress free life. Along with the rest also come the tensions and worries of money and operating expense. To make the retired life stress free it is very necessary to plan for the retired life from the present. The Reliance Super Golden Years Plan – Plus: Savings and Investment Plan has brought the key for the retired time. This plan allows saving in a systematic way building up the much needed corpus to make the future years golden and gorgeous. This policy ensures a basic amount collected and assures security before anything happens to the insured person.

The key features of Reliance Super Golden Years Plan – Plus: Savings and Investment Plan are as follows:

• This Reliance Life Insurance plan is a flexible unit linked pension product.
• The minimum vesting age of the policy is 45 years and the utmost vesting age of the policy is 65 years.
• This policy allows systematical investment and secures the golden years.
• Savings and Investment Plan has 8 similar investment funds to select from.
• The flexibility to advance the vesting age is available in this plan.
• The options to decide between funds are also available under this policy.
• Savings and Investment Plan has tax free commutation of up to 1/3 of fund value at vesting age.

Optional Reliance Term Life Insurance Benefit Rider, Reliance Accidental Death and Total and Permanent Disablement Rider, Reliance Major Surgical Benefit Rider, Reliance Critical Conditions (25) Rider is as well available under this pension plan.

contact for insurance:- sankay tomer

                                       09466423767

Reliance Super Golden Years Plan – Value

Reliance Super Golden Years Plan – Value:-

FEATURE:-

The key features of Reliance Super Golden Years Plan – Value: Retirement Plan are as follows:

• This plan allows the systematical investments and thus secures the future years of retirement and relaxation.
• This plan is a flexible unit linked pension plan and it is different from all the predictable insurance products.
• The Reliance Super Golden Years Plan – Value: Retirement Plan has 8 different investment funds from which the customer can choose any option.
• The customer under this policy gets the choice and flexibility to control from one fund to another.
• The Reliance Super Golden Years Plan – Value: Retirement Plan gives tax free commutation of up to one third of fund value at vesting age.
• Life cover and optional Reliance Term Life Insurance Benefit Rider, Reliance Life New Major Surgical Benefit Rider, Reliance Accidental Death and Total and Permanent Disablement Rider, Reliance New Critical Conditions (25) Rider is available in Reliance Super Golden Years Plan – Value: Retirement Plan.

Under this policy the investment risk in the investment portfolio is to be borne by the policy holder himself.

contact for insurance:- sanjay tomer

                                       09466423767