Reliance Total Investment Plan Series
Sales Pitch and Competitor Comparison
March, 2008
Strictly for internal Circulation A Reliance Capital
An Investor’s Wishlist….
Maximum Growth
Complete Flexibility
Easy Liquidity
Tax Benefits
Strictly for internal Circulation A Reliance Capital
Now get all this and more ….
Strictly for internal Circulation A Reliance Capital
Presenting Reliance Total Investment Plans
that give you ‘Total Investment, Total Flexibility’
Invest as much as you want, anytime you want
7 Funds and 52 Free Switches every year
Easy Liquidity with Partial Withdrawals - absolutely free !
Charges as low as 1% for subsequent purchases
Tax Benefits
- All Investments eligible for tax deduction under section 80C
- Fund Value completely tax exempt under section 10(10D) upto age 45
For the first time – 3 New Fund Offers in the same plan
Infrastructure Fund Energy Fund Mid-Cap Fund
Strictly for internal Circulation A Reliance Capital
Reliance Total Investment Plans – Key Features at a Glance
Reliance Total Investment Plan Series I – Reliance Total Investment Plan Series II –
Insurance (TIPS I) Pension (TIPS II)
Unit linked Plan Unit linked Plan
Pay single premium and relax Pay single premium and relax
Option to purchase same plan in Option to purchase same plan in
subsequent years with reduced allocation subsequent years with reduced allocation
charges as low as 1%. charges as low as 1%.
7 Fund Options (3 New Funds) 7 Fund Options (3 New Funds)
52 Free Switches in a year 52 Free Switches in a year
Partial Withdrawals free of cost Systematic Transfer Plan under Equity
Choose any Life Cover between 1.25 to 5 Fund
Times of Single Premium
Exchange Option
Settlement Option
Systematic Transfer Plan under Equity
Fund
Strictly for internal Circulation A Reliance Capital
Basic Plan Benefits
Reliance TIPS I - Insurance Reliance TIPS II - Pension
Payable on survival of the Life Assured Payable on survival of the Policyholder
up to the end of the policy term, up to the end of the policy term,
provided the policy is in force provided the policy is in force
Maturity Fund value as on the date of maturity Complete Fund value of basic plan +
Benefit relating to the basic policy top up amounts, as on the date of
Plus maturity used to purchase annuity
Fund Value under top-up contributions OR
(if any), as on the date of maturity. Commute 1/3rd of the fund value as
mentioned above as tax free lump sum
and use balance to purchase annuity
Payable on death of the Life Assured Payable on death of the Policy Holder
during the policy term, provided the policy during the policy term, provided the
is in force policy is in force
Death Fund value or Sum Assured whichever is Complete Fund value of basic plan
Benefit higher, on the date of intimation of death + top up amounts ,as on the date of
Plus intimation – paid as lump sum or used to
Fund Value under top-up contributions (if purchase annuity by beneficiary
any), as on the date of the death
Strictly for internal Circulation A Reliance Capital
Fund Options
Under both TIPS I - Insurance and TIPS II - Pension , you have a wide range
of 7 fund options including 3 new funds
Infrastructure Fund
Energy Fund
Midcap Fund
Money Market,
Corporate Bond,
Gilt &
Equity Funds.
The maximum allocation towards Money Market cannot exceed 40% of the
premium contribution at any point in time.
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Partial Withdrawal Facility for TIPS I -
Insurance
Partial Withdrawals benefits:
- Partial withdrawal facility to provide money at at your need
- Allowed after three years – max withdrawal amount is mentioned
below:
Year 4 to 5 : 10% of FV
Year 6 to 9: 15% of FV
Year 10: 20% of FV
- During the last 5 years but after 3 years from commencement, 95% of
the fund value under the basic plan can be withdrawn
- Partial withdrawal will also be available under each top up fund, after
three years from the date of receipt of the top up premium
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Subsequent Purchases
On purchasing the same plan in the subsequent years
Benefit of reduced allocation charges.
Opportunity to pay any amount of Premium, subject to min. premium limit
You can increase your life cover (under TIPS I) and investments.
Only under TIPS
Sum Assured
ent
6th Purchase
st m
Inve 5th Purchase
4th Purchase
3rd Purchase
2nd Purchase
1 st Purchase
I
1 2 3 4 5 6 7 8 9 10
Years
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Charges
Fund Management Charges
- Equity/Infra/Energy/Midcap - 1.50%
- Money Market/Gilt/Corporate Bond - 1.25%
- Fund C (For Settlement only) - 1.30%
Allocation Charges
- Reduced Allocation Charges for Subsequent purchases in subsequent years
Year Purchase Allocation
charge
1 1st Purchase - Classic 5%
2 2nd Purchase - Silver 4%
3 3rd Purchase - Gold 3%
4 4th Purchase - Diamond 2%
5 5th Purchase - Platinum 1%
Top Up 1%
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Commission Rates
Reliance total Allocation charge Commission Rates
Investment Plan
Series I &II
Classic 5.00% 2.00%
Silver 4.00% 1.50%
Gold 3.00% 1.00%
Diamond 2.00% 0.50%
Platinum 1.00% 0.50%
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How the Plan
Works
Classic Silver Gold Diamond Platinum
AC*=5% AC=4% AC=3% AC=2% AC=1% Maturity
Year 1 Year 2 Year 3 Year 4 Year 5
Year10
Policy Policy Policy Policy Policy
Term=10Yr Term=9Yr Term=8Yr Term=7Yr Term=6Yr
•If Silver is not purchased in the 2nd year then it can be purchased in the 3rd ,4th ,5th yr with PT**=8,7 and 6Yr
respectively.
•If Gold is not purchased in the 3rd year then it can be purchased in 4th ,5th yr with PT=7 and 6 yr respectively.
•If Diamond is not purchased in the 4th year then it can be purchased in 5th yr with PT=6.
•Platinum can only be purchased only in the 5th year.
Next policy can only be purchased if all preceding policy have been purchased and are
in force.
All the policies should end in the same date.
*AC=Allocation Charges; **PT=
Policy Term
Strictly for internal Circulation A Reliance Capital
Snapshot of Policy Conditions
Basic Plan Minimum Maximum
Age at Entry 18 Years Maximum entry age depends on the policy term
(Last Birthday)
Policy Term Maximum entry age
10 60
9 61
8 62
7 63
6 64
Age at Maturity 28 Years 70 Years
(Last Birthday)
Premium TIPS I – Insurance Rs.25000 No Limit
(Single Premium) upto age 40
Rs 50000 above age 40
TIPS II- Pension
Rs 25000 for all ages
Policy term (It is fixed depending upon the policy year of first purchase)
Policy Year of first
Purchase 1 2 3 4 5
Policy term 10 9 8 7 6
A Reliance Capital
Benefit Summary
Reliance Total Investment Plan Series
Investment Tax Benefit Easy Low Cost Flexible Life
Flexibility Liquidity Cover
Invest any amount, Premium – u/s Partial Allocation Charge Ranging 1.25 to 5
any time 80C of IT Act 1961 Withdrawal free as low as 1% for Times of the
of charges! Under subsequent Single Premium
7 Funds including 3 TIPS I – purchases under TIPS I -
new sectoral funds Maturity – u/s Insurance Insurance
10(10D) of IT Act.
52 Free Switches 1961 (TIPS I –
Every Year Insurance)
Exchange Option -
TIPS I to TIPS II
Systematic Transfer
Plan
Strictly for internal Circulation A Reliance Capital
Happy Selling
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