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LIFE INSURANCE - KOTAK MAHINDRA

CONTENTS

Sr.No. PARTICULARS Page No.

1. SUMMARY 1.

2. INTRODUCTION 2.

3. LIFE INSURANCE 5.

4. KOTAK MAHINDRA 12.

5. PRODUCT 13.

. !3 RESULT 35.

". COMPARISON #ITH S$I%S PRODUCT 3.

&. SUR'EY FORM 3(.

(. SUR'EY RESULT 4).

1). SUR'EY REPORT 43.

11. FA!%S 44.

12. ARTICLES 4&.

13. CONCLUSION 52.

14. $I$LIO*RAPHY 53.

T.Y.$.$.I. SEMESTER 'I 1




INTRODUCTION

Te 8,/+e,, o: /+,ra+e /, rea0e 0o 0e =ro0e0/o+ o: 0e eo+o6/

ae a,,e0,. Eer; a,,e0 a, a ae. Te a,,e0 o ae 8ee+ rea0e

0rog 0e e::or0, o: 0e o+er. Te a,,e0 /, aa8e 0o 0e o+er9

8ea,e e e?=e0, 0o ge0 ,o6e 8e+e:/0, :ro6 /0. Te 8e+e:/0 6a; 8e a+

/+o6e or ,o6e 0/+g e,e. I0 /, a 8e+e:/0 8ea,e /0 6ee0, ,o6e o: /,

+ee,. I+ 0e a,e o: a :a0or; or a o9 0e =ro0 ge+era0e 8; /, ,o

a+ /+o6e ge+era0e. I+ 0e a,e o: a 6o0or ar9 /0 =ro/e, o6:or0 a+o+e+/e+e /+ 0ra+,=or0a0/o+. Tere /, +o /re0 /+o6e.

Eer; a,,e0 /, e?=e0e 0o a,0 :or a er0a/+ =er/o o: 0/6e r/+g / /0

/ =er:or6. A:0er 0a09 0e 8e+e:/0 6a; +o0 8e aa/a8e. Tere /, a /:e-

0/6e :or a 6a/+e /+ a :a0or; or a o or a 6o0or ar. No+e o: 0e6/ a,0 :or eer. Te o+er /, aare o: 0/, a+ e a+ ,o 6a+age /,

a::a/r, 0a0 8; 0e e+ o: 0a0 =er/o or /:e-0/6e9 a ,8,0/00e /, 6ae

aa/a8e. T,9 e 6a7e, ,re 0a0 0e ae or /+o6e /, +o0 o,0.

Hoeer9 0e a,,e0 6a; ge0 o,0 ear/er. A+ a/e+0 or ,o6e o0er

+:or0+a0e ee+0 6a; e,0ro; /0 or 6a7e /0 +o+-:+0/o+a. I+ 0a0 a,e9

0e o+er a+ 0o,e er//+g 8e+e:/0, a+ 0e =a++e ,8,0/00e o

+o0 ae 8ee+ rea;. Tere /, a+ aer,e or +=ea,a+0 ,/0a0/o+.

I+,ra+e /, a 6ea+/,6 0a0 e=, 0o ree 0e e::e0 o: , aer,e

,/0a0/o+,.





MEANI

NG

I+ /:e a+ /+ 8,/+e,,9 0ere are ar/o, ee+0, / 6a; a,e :/+a+/a

o,, 0o a+ /+//a 8,/+e,,. So6e o: 0e ee+0, a,o ae a, r/,7,B a+

8e ao/e or =ree+0e /e ,o6e o: 0e6 a+ 8e ree or 0ra+,:erre 0o

a+o0er =er,o+. I+,ra+e /, a 0oo or e/e 0rog / ,o6e r/,7, a+

8e ree9 e/6/+a0e or 0ra+,:erre. Eer; /+//a a+ 8,/+e,, :ae

,o6e +er0a/+0/e, </.e. =o,,/8//0; o: e+o+0er/+g o,, e 0o er0a/+

ee+0,> a+ 0e,e a+ 8e 0o a er0a/+ e?0e+0 re6oe 0rog /+,ra+e.

I+,ra+e /, 0,9 a 0oo 8; / 0e o,, /7e; 0o 8e a,e 8; a+ +er0a/+

ee+0 /, ,=rea a6o+g,0 a +68er o: =eo=e o :ae ,/6/ar r/,7,.

I+,ra+e /, a oo=era0/e a; o: 8ear/+g r/,7,. I+,ra+e =ro/e, er0a/+0;

</.e. =ro0e0/o+ 8; a; o: o6=e+,a0/o+> :or ,o6e +er0a/+0; </.e.

=o,,/8//0; o: o,, e 0o a+ +:ore,ee+ ee+0.>

DEFINITION

I+,ra+e /, a o+0ra0 8e0ee+ 0o =ar0/e,9 ere8; o+e =ar0;9 <ae

/+,rer%> +er0a7e,9 /+ e?a+ge :or a :/?e ,6 <ae =re6/6%> 0o =a; 0e

o0er =ar0; <ae /+,re%> :/?e a6o+0 o: 6o+e; <ae o6=e+,a0/o+> o+

0e a==e+/+g o: a er0a/+ ee+0.

Te /+,rer /.e. 0e /+,ra+e o6=a+; +er0a7e, 0o /+e6+/:; <6a7e

goo 0e o,,> 0o 0e /+,re :or o,, or a6age ar/,/+g a, a re,0 o: 0e

=ar0/ar r/,7,.





L/:e I+,ra+e I, a Co+0ra0 ere8; 0e /+,rer /+ o+,/era0/o+ o: a =re6/6

+er0a7e, 0o =a; a er0a/+ ,6 o: 6o+e;9 e/0er o+ 0e ea0 o: 0e /+,re or

o+ 0e e?=/r; o: a er0a/+ =er/o9 /eer /, ear/er

I+ /:e /+,ra+eG r/,7 0o 6a+ /:e /, oere .0/, r/,7 6a; 8e /+ 0e :or6 o:

a/e+0 or ea0. A =er,o+ 6a; or 6a; +o0 6ee0 /0 a+ a/e+0. Dea0 /,

er0a/+ 0o a==e+ 80 e+ /0 / a==e+ /, +er0a/+. T,9 e 0o a/e+0 or

ea0 o: a =er,o+ /, e=e+a+0, / ,::er :/+a+/a;. L/:e I+,ra+e =ro/e,

er0a/+0; aga/+,0 0e,e +er0a/+0/e,

He+e9 /+ /:e /+,ra+e a0a; a+ a,,ra+e% /, g/e+ 8; 0e /+,ra+eo6=a+; 0a0 /0 / =a; a er0a/+ ,6 o: 6o+e; e/0er o+ ea0 o: 0e a,,re

or 6a0r/0;9 /eer or, ear/er

U+er oe-/:e =o/;9 6o+e; /, =a;a8e a0 0e ea0 o: a,,re <=o/;-

oer> a+ +er e+o6e+0 =o/;9 6o+e; /, =a;a8e o+ 0e a,,re, ea0 or

o+ 0e 6a0r/0; o: 0e =o/;9 /eer or, ear/er.

T.Y.$.$.I. SEMESTER 'I "




7. Assignment a /:e /+,ra+e =o/; a+ 8e a,,/g+e 0o a+o0er =er,o+

<0e a,,/g+ee>. Te a,,/g+ee 0e+ ge0, 0e ,a6e r/g0, a, 0e =o/;oer.

ESSENTIALS OF A VALID LIFE INSURANCE CONTRACT

1) *e+era ee6e+0, o: a a/ o+0ra0 L/7e a/ o::er ae=0a+e o: a+

o::er9 o6=e0e+0 =ar0/e,9 o+,/era0/o+9 ega =r=o,e e0. 6,0 8e

::/e.

2) S=e/a ee6e+0 o: a a/ o+0ra0 o: /+,ra+e

<a> Utmost good faith 8o0 0e =ar0/e, ,o /,o,e a

Ma0er/a :a0,.

T.Y.$.$.I. SEMESTER 'I (




<8> Insurable interest 0e =er,o+ 0a7/+g o0 a =o/; o+ /, o+ /:e

a, /+,ra+e /+0ere,0 80 /+ a,e e a+0, 0o 0a7e a =o/; o+

a+o0er =er,o+%, /:e9 0e+ e ,o ae /+,ra8e /+0ere,0 /+ 0e

o0er%, /:e. Moreoer9 /+,ra8e /+0ere,0 6,0 e?/,0 o+; a0 0e

0/6e o: 0a7/+g o0 0e =o/; a+ +ee +o0 e?/,0 a0 0e

T/6e o: 6a0r/0; o: 0e =o/;.

3) #arra+0/e, Are a,er0a/+/+g ,=e/:/ o+/0/o+, ae 0o 0e o+0ra0.

Te,e arra+0/e, are oer a+ a8oe 0e 8a,/ 0er6, o: 0e =o/;. Te;

6,0 8e 60a; agree =o+ 8; 8o0 0e =ar0/e,. A+; 8rea o: a

arra+0; 8; e/0er =ar0; a+ +/:; 0e o+0ra0. #arra+0/e, 6a; 8e

e?=re,, <,0a0e o=e+;> or /6=/e </e+>.

4) Ter6, o: =o/; Are 0e ,=e/:/ 0er6, a+ o+/0/o+,. '/. 0e =er/o o:

0/6e oere9 0e +a0re o: r/,79 =re6/6 a6o+09 =o//e, a6o+0 e0.

/ /, agree =o+ 8; 8o0 0e =ar0/e,. A 0e,e 0er6, 6,0 8e ,0r/0;

o8,ere 8; 8o0 0e =ar0/e,. $o0 0e =ar0/e, are 8o+ 8; 0e,e 0er6,.

A+; 8rea o: a+; o+e o: 0e g/e+ o+/0/o+, 8; e/0er =ar0; a+ re+er

0e /+,ra+e o+0ra0 <+ a+ o/> /.e. +o0 e+:orea8e /+ 0e or0 o:

a.

T.Y.$.$.I. SEMESTER 'I 1)




ROLES OF LIFE INSURANCE

R/,7, a+ +er0a/+0/e, are =ar0 o: /:eJ, grea0 ae+0re -- a/e+09 /+e,,9

0e:09 +a0ra /,a,0er - 0e;Jre a 8/0 /+0o 0e or7/+g o: 0e U+/er,e9 a/0/+g

0o a==e+.

Role 1: Life insurance as "Investment"

I+,ra+e /, a+ a00ra0/e o=0/o+ :or /+e,06e+0. #/e 6o,0 =eo=e reog+/e

0e r/,7 eg/+g a+ 0a? ,a/+g =o0e+0/a o: /+,ra+e9 6a+; are +o0 aare o: /0,

aa+0age, a, a+ /+e,06e+0 o=0/o+ a, e. I+,ra+e =ro0, ;/e 6ore

o6=are 0o regar /+e,06e+0 o=0/o+,9 a+ 0/, /, 8e,/e, 0e ae /+e+0/e,

<rea 8o+,e,> o::ere 8; /+,rer,.

Yo a++o0 o6=are a+ /+,ra+e =ro0 /0 o0er /+e,06e+0 ,e6e, :or

0e ,/6=e rea,o+ 0a0 /0 o::er, :/+a+/a =ro0e0/o+ :ro6 r/,7,9 ,o6e0/+g 0a0 /,

6/,,/+g /+ +o+-/+,ra+e =ro0,.

I+ :a09 0e =re6/6 ;o =a; :or a+ /+,ra+e =o/; /, a+ /+e,06e+0 aga/+,0

r/,7. T,9 8e:ore o6=ar/+g /0 o0er ,e6e,9 ;o 6,0 ae=0 0a0 a =ar0 o:

0e 0o0a a6o+0 /+e,0e /+ /:e /+,ra+e goe, 0oar, =ro//+g :or 0e r/,7

oer9 /e 0e re,0 /, ,e :or ,a/+g,.

I+ /:e /+,ra+e9 +/7e +o+-/:e =ro0,9 ;o ge0 6a0r/0; 8e+e:/0, o+ ,r/a

a0 0e e+ o: 0e 0er6. I+ o0er or,9 /: ;o 0a7e a /:e /+,ra+e =o/; :or 2)

;ear, a+ ,r/e 0e 0er69 0e a6o+0 /+e,0e a, =re6/6 /+ 0e =o/; /

o6e 8a7 0o ;o /0 ae re0r+,. I+ 0e +:or0+a0e ee+0 o: ea0 /0/+

0e 0e+re o: 0e =o/;9 0e :a6/; o: 0e eea,e / ree/e 0e ,6 a,,re.





No9 e0 , o6=are /+,ra+e a, a+ /+e,06e+0 o=0/o+,. I: ;o /+e,0 R,

1)9))) /+ PPF9 ;or 6o+e; gro, 0o R, 1)9(5) a0 (.5 =er e+0 /+0ere,0 oer a

;ear. $0 /+ 0/, a,e9 0e ae,, 0o ;or :+, / 8e /6/0e. O+e a+

/0ra 5) =er e+0 o: 0e /+/0/a e=o,/0 o+; a:0er ;ear,.

Te ,a6e a6o+0 o: R, 1)9))) a+ g/e ;o a+ /+,ra+e oer o: = 0o

a==ro?/6a0e; R, 5-12 a7, <e=e+/+g =o+ 0e =a+9 age a+ 6e/a

o+/0/o+ o: 0e /:e /+,re9 e0> a+ 0/, a6o+0 a+ 8eo6e /66e/a0e;

aa/a8e 0o 0e +o6/+ee o: 0e =o/;oer o+ ea0.

T, /+,ra+e /, a +/e /+e,06e+0 ae+e 0a0 e/er, ,o+ re0r+, /+a/0/o+ 0o =ro0e0/o+.

Role 2: Life insurance as "Risk cover"

F/r,0 a+ :ore6o,09 /+,ra+e /, a8o0 r/,7 oer a+ =ro0e0/o+ - :/+a+/a

=ro0e0/o+9 0o 8e 6ore =re/,e - 0o e= o0a,0 /:eJ, +=re/0a8e o,,e,.

De,/g+e 0o ,a:egar aga/+,0 o,,e, ,::ere o+ ao+0 o: a+; +:ore,ee+

ee+09 /+,ra+e =ro/e, ;o /0 0a0 +/e ,e+,e o: ,er/0; 0a0 +o o0er

:or6 o: /+e,06e+0 =ro/e,. $; 8;/+g /:e /+,ra+e9 ;o 8; =eae o: 6/+

a+ are =re=are 0o :ae a+; :/+a+/a e6a+ 0a0 o /0 0e :a6/; /+ a,e

o: a+ +0/6e; e6/,e.

To =ro/e , =ro0e0/o+9 /+,ra+e :/r6, oe0 o+0r/80/o+, :ro6 6a+;

=eo=e o :ae 0e ,a6e r/,7. A o,, a/6 /, =a/ o0 o: 0e 0o0a =re6/6

oe0e 8; 0e /+,ra+e o6=a+/e,9 o a0 a, 0r,0ee, 0o 0e 6o+/e,.

I+,ra+e a,o =ro/e, a ,a:egar /+ 0e a,e o: a/e+0, or a ro= /+ /+o6e

a:0er re0/re6e+0. A+ a/e+0 or /,a8//0; a+ 8e ea,0a0/+g9 a+ a+ /+,ra+e





=o/; a+ e+ 0/6e; ,==or0 0o 0e :a6/; /+ , 0/6e,. I0 a,o o6e, a, a

grea0 e= e+ ;o re0/re9 /+ a,e +o +0oar /+/e+0 a==e+, r/+g 0e

0er6 o: 0e =o/;.

#/0 0e e+0r; o: =r/a0e ,e0or =a;er, /+ /+,ra+e9 ;o ae a /e ra+ge o:

=ro0, a+ ,er/e, 0o oo,e :ro6. Fr0er9 6a+; o: 0e,e a+ 8e :r0er

,0o6/e 0o :/0 /+//agro= ,=e/:/ +ee,. Co+,/er/+g 0e a6o+0 ;o

ae 0o =a; +o9 /0J, or0 8;/+g ,o6e e?0ra ,ee=.

Role 3: Life insurance as "a! lanning"

I+,ra+e ,ere, a, a+ e?ee+0 0a? ,a/+g 6ea+/,6 0oo. Te *oer+6e+0 o:

I+/a a, o::ere 0a? /+e+0/e, 0o /:e /+,ra+e =ro0, /+ orer 0o :a//0a0e

0e :o o: :+, /+0o =ro0/e a,,e0,. U+er Se0/o+ && o: I+o6e Ta? A0

1(19 a+ /+//a /, e+0/0e 0o a re8a0e o: 2) =er e+0 o+ 0e a++a =re6/6

=a;a8e o+ /,er /:e a+ /:e o: /,er /re+ or a0 /re+. Te re8a0e

/, e0/8e :ro6 0a? =a;a8e 8; 0e /+//a or a H/+ U+//e Fa6/;.

T/, re8a0e /, a+ 8e aa/e = 0o a 6a?/66 o: R, 129))) o+ =a;6e+0 o:

;ear; =re6/6 o: R, )9))). $; =a;/+g R, )9))) a ;ear9 ;o a+ 8;

a+;0/+g =ar, o: R, 1) a7, /+ ,6 a,,re. <De=e+/+g =o+ 0e age o:

0e /+,re a+ 0er6 o: 0e =o/;> T/, 6ea+, 0a0 ;o ge0 a+ R, 129))) 0a?

8e+e:/0. Te re8a0e /, e0/8e :ro6 0e 0a? =a;a8e 8; a+ /+//a or a

H/+ U+//e Fa6/;.

MYTH BUSTERS

#hat $ou should kno# about life insurance





%$th 1: Insurance is for ta! saving

Tere%, aa;, 0/, r, 0o 8; /+,ra+e =o//e, 0oar, 0e e+ o: 0e

:/+a+/a ;ear9 6a7/+g o+e o+er /: 0e 0a?-,a/+g =r=o,e o: /:e /+,ra+e

a, +o0 oer,aoe /0, o0er roe,.

Ye,9 0e 0a? 8e+e:/0, a,,o/a0e /0 /:e /+,ra+e =o//e, o e= 6a7e 0e

/+e,06e+0 6ore a00ra0/e. Te P8/ Pro/e+0 F+ a,o o::er, 0e 2) 0a?

re8a0e +er ,e0/o+ && o: 0e I+o6e Ta? A09 1(19 a, o ,6a ,a/+g

,e6e, /7e =o,0 o::/e e=o,/0, a+ +a0/o+a ,a/+g, er0/:/a0e,. Yo 6a; a,o

aa/ o: Ta? 8e+e:/0, +er ,e0/o+ &)CCC /0 er0a/+ =a+,. A+ 0ere areo0er /+e,06e+0 o=0/o+, 0a0 g/e ;o /ger re0r+, 0a+ /+,ra+e. $0 0e,e

o+J0 o::er ;o ,er/0;9 0e r/,7 oer 0a0 e=, ;o oero6e 0e +er0a/+0/e,

o: /:e. Te =r/6ar; :+0/o+ o: /:e /+,ra+e /, 0o oer ;o aga/+,0 :/+a+/a

o,,e, ar/,/+g o0 o: ,e+ ea0 or /,a8//0;. I0 a,o o::er, re0r+, a+ 0a?

,a/+g,. L/:e /+,ra+e9 a, a+ /+,0r6e+09 /, e+e a goo 6arr/age o: r/,7

oer9 re0r+, a+ 0a? 8e+e:/0,.

%$th 2: Insurance does not give good returns

I+,ra+e /, /::ere+0 :ro6 ro0/+e /+e,06e+0 o=0/o+,. A :/?e e=o,/0 or ee+ a

Na0/o+a Sa/+g, Cer0/:/a0e 6a; a==are+0; :e0 6ore re0r+, 0a+ a /:e

/+,ra+e =o/;. $0 0a0J, +o0 a :a/r ,0ra/g0-/+e o6=ar/,o+. I: 6o+e0ar;

re0r+, are eaa0e /+ /,oa0/o+9 a :/?e e=o,/0 <FD> o::er/+g (.5 6/g0 oo7

er; goo /+ 0/, e=re,,e 6ar7e0. $0 /+,ra+e o::er, o0er 8e+e:/0, ao+g

/0 re0r+,.





Loo7 a0 ,er/0; :or /+,0a+e. I: ;o /+e,0 /+ a+ FD a+ a==e+ 0o /e9 ;or

+o6/+ee a+ a/6 o+; 0e a6o+0 o: 0e FD. I: ;o /e9 ;o / ge0 8a7 0e

,6 o: 0e FD /0 0e e,/re /+0ere,0.

LIFE INSURANCE DO!S AND DON!TS

DO

Do :/+ o0 /: ;o ae ea0-/+-,er/e 8e+e:/0,

Trog ;or @o8 a+ a0 0e ee o: oer /,.

Do re6e68er 0a0 </0 ,o6e e?e=0/o+,> ;o

ae a% oo/+g-o::% =er/o o: 3) a;, r/+g

#/ ;o a+ a+e a =o/;.

Do re/e ;or /:e /+,ra+e regar;9

Par0/ar; e+ ;or /r6,0a+e, a+ge.

Do e/e a09 /: a+;9 e?0ra oer ;o +ee

A+ ge0 /+:or6a0/o+ o+ 0e 0;=e o: =o//e, 0a0Mee0 ;or +ee,.

Do ,o= aro+9 o,0, a+ ar; /e;

For 0e ,a6e ee o: oer.

Do o+,/er g//+g = ,6o7/+g. A:0er o+e





Year9 or /+ ,o6e a,e, 0o9 6a+; /+,ra+e

Co6=a+/e, / g/e ;o +o+-,6o7er rae,. T/,

Co 0 ;or =re6/6 8; a:9 ee+ 0og

Yo are a 8/0 oer.

DON!T

Do+%0 a, /+ a+ e?/,0/+g =o/; /+ orer 0o 0a7e

O0 a +e o+e +e,, ;o ae a goo rea,o+.

Te o,0 o: a+; +e oer 6a; 8e /ger 0a+

Te =o/; ;o area; ae 8ea,e ;o are

Oer. Yo 6/g0 a,o +o0 8e a8e 0o ge0 +e

Coer /: ;or o=a0/o+ or ea0 a, a+ge

I+ 0e 6ea+0/6e.

Do+%0 8; /+,ra+e 0a0 ;o o+%0 +ee or

Area; ae.

"#$% M%'(*+% O,* M-$-%, L(/ I0-+%/ L$*.

O,* -$-%, , /, a Lo+o+-/,0e :or0+e 5)) /+0er+a0/o+a :/+a+/a ,er/e,

gro= :o,/+g o+ a,,e0 ga0er/+g a+ a,,e0 6a+age6e+0. A0 31 Dee68er

2))59 o 60a a 6ore 0a+ " 6//o+ /:e a,,ra+e =o//e,9 3. 6//o+

8a+7/+g ,0o6er, a+ oer 55)9))) ge+era /+,ra+e =o//e,. I0, :+, +er





6a+age6e+0 e?eee 31) 8//o+. Te gro= a, a ,8,0a+0/a =re,e+e /+ 0e

UK9 US a+ So0 A:r/a+ 6ar7e0,9 /0 :r0er e?=a+e /0, Ero=ea+ =re,e+e

0rog 0e a/,/0/o+ o: ,7a+/a /+ ear; 2)).

E,0a8/,e /+ 1(&49 0e "#$% %'(*+% gro= a, o+g 8ee+ o+e o: I+/a%,

6o,0 re=0e :/+a+/a orga+/a0/o+,. Ko0a7 6a/+ra 0oa; /, o+e o: I+/a%,

ea/+g :/+a+/a ,o0/o+,9 o::er/+g o6=e0e :/+a+/a ,o0/o+, 0a0

e+o6=a,, eer; ,=ere o: /:e. Te gro= a, a +e0 or0 o: oer R,. 29&4)

rore9 e6=o;, aro+ "9&)) =eo=e /+ /0, ar/o, 8,/+e,, a+ a, a

/,0r/80/o+ +e0or7 o: 8ra+e,9 :ra+/,ee,9 re=re,e+0a0/e o::/e, a+

,a0e/0e o::/e, aro,, 24 /0/e, a+ 0o+, /+ I+/a a+ o::/e, /+ Ne Yor79

Lo+o+9 D8a/ a+ Mar/0/,. Te gro= ,er/e, oer 1. 6//o+ ,0o6er

ao+0,.

"#$% M%'(*+% O,* M-$-%, L(/ I0-+%/ (0 % 7624 #($ /$-+/

/$8// "#$% M%'(*+% B% L$*. %* O,* M-$-%, ,. Ko0a7 Ma/+ra

O M0a L/:e I+,ra+e /, o+e o: 0e :a,0e,0 gro/+g /+,ra+e o6=a+/e, /+

I+/a a+ a, ,o+ re6ar7a8e gro0 ,/+e /0, /+e=0/o+ /+ 2))1.

O M0a9 a o6=a+; /0 1) ;ear, e?=er/e+e /+ /:e /+,ra+e9 /, a+

/+0er+a0/o+a :/+a+/a ,er/e, gro= /,0e o+ 0e Lo+o+ S0o7 E?a+ge a+

/+e /+ 0e FTSE 1)) /,0 o: o6=a+/e,9 /0 a,,e0, +er 6a+age6e+0

or0 4)) $//o+ a, o+ 3)0 +e9 2)). For ,0o6er,9 0/, @o/+0 e+0re

0ra+,a0e, /+0o a o6=a+; 0a0 o68/+e, /+0er+a0/o+a e?=er0/,e /0 0e

+er,0a+/+g o: 0e oa 6ar7e0.

T.Y.$.$.I. SEMESTER 'I 1"




=a; 0e6 !ar0er; R,.54)

Ha: Year; R,.1)55

A++a; R,.2)))

S/+ge

Pre6/6R,.1))))

#a0 /, 0e 6a?/66 age 0a0 0e =a+

a+ oer ;o 0/

") ;ear,

"EY FEATURES

A/e+0a Dea0 $e+e:/0

T/, 8e+e:/0 =ro/e, a+ a/0/o+a a6o+0 <oer a+ a8oe 0e 8a,/

,6 a,,re> 0o 0e 8e+e://ar; /+ 0e ee+0 o: 0e a/e+0a ea0 o: 0e /:e

T.Y.$.$.I. SEMESTER 'I 1(




/+,re. Te 6a?/66 oer aa/a8e +er 0/, r/er /, ea 0o 0e 8a,/

S6 a,,re <,8@e0 0o a 6a?/66 o: R,.1) a7,.>

Per6a+e+0 D/,a8//0; $e+e:/0

T/, 8e+e:/0 a+ 8e ae 0o ;or 8a,/ /:e /+,ra+e =o/; 0o =ro/e

:/+a+/a ,==or0 /+ a,e o: /,a8//0; e 0o a+ a/e+0. Te a6o+0 =a;a8e

+er 0/, 8e+e:/0 o 8e =a/ o0 a, a+ a++/0;. Te 6a?/66 =er6a+e+0

/,a8//0; 8e+e:/0 0a0 ;o a+ aa/ o: /, ea 0o 0e 8a,/ ,6 a,,re <,8@e0

0o 6a?/66 o: R,.1) a7,>.

Cr/0/a I+e,, $e+e:/0

T/, 8e+e:/0 a+ 8e ae 0o ;or 8a,/ /:e /+,ra+e =o/; 0o =ro/e

:/+a+/a ,==or0 /+ 0e ee+0 o: a 6e/a e6erge+;. O+ 0e :/r,0 orre+e

o: r/0/a /+e,, r/+g 0e 0er6 o: 0e =o/;9 ;o o ree/e a =or0/o+ o:

0e ,6 a,,re 0o ree ;or :/+a+/a 8re+ /+ 0/, e6erge+;.





ADV

ANTAGES

• I0 /, a o-o,0 /+,ra+e =a+.

• Yo a+ oo,e 8e0ee+ a regar =re6/6 =a;6e+0 o=0/o+ a+ a ,/+ge

=re6/6 =a;6e+0 o=0/o+. I+ a,e ;o o=0 :or 0e regar =re6/6

=a;6e+0 o=0/o+9 ;o 6a; =a; ;or =re6/6, e/0er a++a;9 or /+ a:

;ear; or ar0er; /+,0a6e+0,.

• Yor Ko0a7 Ter6 Pa+ a+ 8e o+er0e /+0o a+; o0er =a+ o::ere 8;

Ko0a7 L/:e I+,ra+e <e?e=0 :or a+o0er Ter6 =a+> =ro/e 0ere are a0

ea,0 5 ;ear, 8e:ore oer ea,e,.

• I+ a,e ;o :orge0 0o =a; ;or =re6/6 8; 0e e a0e9 ;o are e+0/0e

0o a grae =er/o o: 3) a;, :ro6 0e a0e o: +=a/ =re6/6,.

• I+ a,e o: a :/+a+/a e6erge+;9 ;o ae 0e o=0/o+ 0o ,rre+er 0e

=o/; =ro/e ;o ae 0a7e+ 0e ,/+ge =re6/6 =a;6e+0 o=0/o+.

TA; BENEFITS

Se0/o+ &)C9 1)<1)D> o: I+o6e Ta? A0 o a==;. Pre6/6, =a/ :or

Cr/0/a I+e,, $e+e:/0 a/:; :or 8e+e:/0, +er Se0/o+ &)D. Te,e 8e+e:/0,

are a, =er 0e rre+0; =rea//+g 0a? rega0/o+, a+ /0 /, a/,e 0o o+,0

;or 0a? a/,or :or e0a/,.

HO9 DOES THIS PLAN 9OR":





To e?=a/+9 o 0/, =a+ or7,Mr. Sa+@a; *=0a9 a 3)-;ear-o 6ae9

e/e, 0o 8; 0e Ko0a7 Ter6 Pa+ :or a ,6 a,,re o: R,.1)9 ))9))) :or a 1)

;ear 0er6. Te a++a =re6/6 0a0 Mr.*=0a%, =a;, /, R,.39 "4" a++a;. I+

0e ee+0 o: /, +:or0+a0e ea0 r/+g 0e +e?0 0e+ ;ear,9 /, :a6/; o

ree/e R,.1)9 ))9))).

I+ 0e /,0ra0/o+9 ,o6e 8e+e:/0, are gara+0ee a+ ,o6e are ar/a8e.

*ara+0ee Re0r+, are 6ar7e Qgara+0eeQ /+ 0e /,0ra0/o+. 'ar/a8e re0r+,

are ,o+ a0 0o /::ere+0 ra0e, o: a,,6e :0re re0r+,. Te,e a,,6e ra0e,

o: re0r+ are +o0 gara+0ee a+ 0e; are +o0 0e ==er or oer /6/0, o: a0

;o 6/g0 ge0 8a7 .Te a0a re0r+ 6a; 8e /::ere+0 e=e+/+g o+ a +68er

o: :a0or, /+/+g :0re /+e,06e+0 =er:or6a+e

ON MATURITY OF THE POLICY

S/+e 0/, /, a =re r/,7 oer =a+9 0ere are +o 6a0r/0; 8e+e:/0,.

E;CLUSIONS

I+ a,e 0e /:e /+,re o66/0, ,//e /0/+ 1 <o+e> ;ear o: 0e =a+9 +o

8e+e:/0, o0/+e /+ 0e =a+ o 8e =a;a8e.

he Accidental &eath 'enefit( )ermanent &isabilit$ 'enefit * +ritical

Illness 'enefit o +o0 8e =a/ o0 /+ 0e :oo/+g /r6,0a+e,

a> Se: /+:/0e /+@r/e,9 ,//e9 /+,a+/0;9 /66ora/0;9 o66/00/+g a+;

8rea o: a or 8e/+g +er 0e /+:e+e o: rg,9 /or e0.





8> #e+ 0e /:e /+,re /, e+gage /+ a/a0/o+ or aero+a0/, o0er 0a+ a,

a =a,,e+ger o+ a /e+,e o66er/a a/rra:0 o=era0/+g o+ a ,ee

ro0e.

> De 0o /+@r/e, :ro6 ar <e0er ar /, eare or +o0>9 /+a,/o+9

+0/+g9 o0er a+gero, o88/e, or a0//0/e,9 or a/+g 8ee+ o+ 0; /+

6//0ar;9 Para-6//0ar;9 ,er/0; or =o/e orga+/a0/o+.

PROHIBITION OF REBATES

Se0/o+ 41 o: 0e I+,ra+e a0 1(3&9 ,0a0e,...

<1> No =er,o+ ,a ao or o::er 0o ao9 e/0er /re0; or /+/re0;9 a, a+

/+e6e+0 0o a+; =er,o+ 0o 0a7e o0 or re+e or o+0/+e a+ /+,ra+e /+

re,=e0 o: a+; 7/+ o: r/,7 rea0/+g 0o /e, or =ro=er0; /+ I+/a9 a+; re8a0e o:

0e oe or =ar0 o: 0e o66/,,/o+ =a;a8e or a+; re8a0e o: 0e =re6/6

,o+ o+ 0e =o/;9 +or ,a a+; =er,o+ 0a7/+g o0 or re+e/+g or o+0/+/+g

a =o/; ae=0 a+; re8a0e9 e?e=0 , re8a0e a, 6a; 8e aoe /+ aora+e

/0 0e =8/,e =ro,=e0,e, or 0a8e, o: 0e /+,rer.

<2> A+; =er,o+ 6a7/+g e:a0 /+ o6=;/+g /0 0e =ro/,/o+ o: 0/, ,e0/o+

,a 8e =+/,a8e /0 :/+e9 / 6a; e?0e+ 0o :/e +re r=ee,.





"OTA" MONEY BAC" PLAN

L/e For Toa; a+ Pa+ :or To6orro

MEANING

Te Ko0a7 Mo+e; $a7 Pa+ +o0 o+; oer, ;or /:e9 /0 a,o a,,re, ;o a

er0a/+ =ere+0 o: 0e ,6 a,,re a, a, =a;6e+0 a0 regar /+0era, o: eer;

5 ;ear,. I0 /, a ,a/+g, =a+ /0 0e ae aa+0age o: /:e oer a+ regar

a, /+:o. T/, =a+ /, /ea :or =a++/+g ,=e/a 6o6e+0, /7e a e/+g9

;or /J, ea0/o+ or =ra,e o: a+ a,,e0 e0. T/, /, a =ar0//=a0/+g =a+/0 =ro:/0,.

9HO CAN AVAIL OF THIS PLAN:

Ho o o ;o ae 0o 8e 0o aa/ o: 0/, =a+

M/+/66 age- 1& ;ear,Ma?/66 age- ) ;ear,

For a0 0er6 a+ I aa/ o: 0/, =a+ 159 2) 25 ;ear,

#a0 /, 0e 6a?/66 age 0a0 0e =a+ a+

oer ;o 0/ "5 ;ear,





"EY FEATURES

• Ter6 $e+e:/0 Pre:erre Ter6 $e+e:/0

I+ 0e ee+0 o: ea0 r/+g 0e 0er6 o: 0/, 8e+e:/09 0e 8e+e://ar; o

ree/e a+ a/0/o+a ea0 8e+e:/0 a6o+09 / /, oer a+ a8oe 0e ,6

a,,re. Te 6a?/66 Ter6 $e+e:/0 ;o a+ aa/ o: /, ea 0o 0e 8a,/ ,6

a,,re. #ere 0e 0er6 8e+e:/0 oer a==/e :or /, 6ore 0a+ R, 1) a7,9

8e00er ra0e, 6a; a==;9 ,8@e0 0o 6ee0/+g e/g/8//0; re/re6e+0,.

• A/e+0a Dea0 $e+e:/0

T/, 8e+e:/0 =ro/e, a+ a/0/o+a a6o+0 <oer a+ a8oe 0e ,6 a,,re> 0o

0e 8e+e://ar; /+ 0e ee+0 a/e+0a ea0 o: 0e /:e /+,re. Te 6a?/66

oer aa/a8e +er 0/, 8e+e:/0 /, ea 0o 0e 8a,/ ,6 a,,re <,8@e0 0o a

6a?/66 o: R,. 1) a7,>.

• Per6a+e+0 D/,a8//0; $e+e:/0





T/, 8e+e:/0 a+ 8e ae 0o 0e 8a,/ /:e /+,ra+e =a+ 0o =ro/e :/+a+/a

,==or0 /+ a,e o: =er6a+e+0 /,a8//0; e 0o a+ a/e+0. Te a6o+0 =a;a8e

+er 0/, 8e+e:/0 o 8e =a/ o0 a, a+ a++/0;. Te 6a?/66 =er6a+e+0

/,a8//0; 8e+e:/0 0a0 ;o a+ aa/ o: /, ea 0o 0e 8a,/ ,6 a,,re <,8@e0

0o a 6a?/66 o: R,.1) a7,>.

• Cr/0/a I+e,, $e+e:/0

T/, 8e+e:/0 a+ 8e ae 0o 0e 8a,/ /:e /+,ra+e =a+ 0o =ro/e :/+a+/a

,==or0 /+ 0e ee+0 o: 6e/a e6erge+/e,. O+ 0e :/r,0 orre+e o: r/0/a

/+e,, r/+g 0e 0er6 o: 0e =o/;9 ;o o ree/e a =or0/o+ o: 0e ,6

a,,re 0o ree ;or :/+a+/a 8re+ /+ 0/, e6erge+;.

• L/:e *ar/a+ $e+e:/0

T/, 8e+e:/0 a+ 8e aa/e o:9 o+; /+ a,e ere 0e /:e /+,re a+ 0e

=ro=o,er are 0o /::ere+0 /+//a,. I+ a,e o: 0e +:or0+a0e ea0 o: 0e

=ro=o,er9 0/, 8e+e:/0 7ee=, 0e =o/; a/e 8; a//+g a :0re =re6/6, o+

0e =o/;.

• A/e+0a D/,a8//0; *ar/a+ $e+e:/0

I+ a,e 0e =ro=o,er /, =er6a+e+0; /,a8e a, a re,0 o: a+ a/e+09 0/,

8e+e:/0 7ee=, 0e =o/; a/e 8; a//+g a :0re =re6/6, o+ 0e =o/;.

ADVANT

AGES





Te =a+ +o0 o+; oer, ;or /:e 80 a,o =ro/e, ;o /0 a ,r/a

8e+e:/0 =a;o0 eer; 5 ;ear,.

I+ 0e +:or0+a0e ee+0 o: ea0 o: /:e /+,re9 0e 8e+e://ar; o

ree/e 0e ea0 8e+e:/0. Te ea0 8e+e:/0 7ee=, /+rea,e, 8; " o: 0e

,6 a,,re eer; ;ear.

O+ 6a0r/0;9 ;o o ree/e 0e ,6 o: 0e Sr/a $e+e:/09 $o+,

a/0/o+ a+ gara+0ee a/0/o+.

Te a6o+0 aa/a8e /+ 0e A6a0/o+ Ao+0 /, /+e,0e /+ ar/o,

:/+a+/a /+,0r6e+0, <a, =er IRDA rega0/o+,> ,o ;or 6o+e; or7,

ar :or ;o.

Te A0o6a0/ Coer Ma/+0e+a+e :a//0; e+,re, 0e =o/; re6a/+, /+

:ore ee+ /: ;o 6/,, =re6/6 =a;6e+0,. T/, :a//0; /, aa/a8e a:0er

0e :/r,0 0ree ;ear, o: 0e 0er6.

Yo ae 0e 8e+e:/0 o: a 15-a; :ree oo7 =er/o.

Yo ae 0e o=0/o+ o: =a;/+g =re6/6, ar0er;9 a: ;ear; or ;ear;.

TA; BENEFITS



are a, =er 0e rre+0; =rea//+g 0a? rega0/o+, a+ ;o are a/,e 0o o+,0







Mr. Sa+@a; *=0a9 3) ;ear, o9 e/e, 0o 8; a Ko0a7 Mo+e; $a7 Pa+ :or a

,6 a,,re o: R,.59 ))9))) a+ :or a 0er6 o: 2) ;ear,.

H/, a++a =re6/6 a+ 0e =a;o0, are o0/+e 8eo.

A++a Pre6/6 R,.349124

Sr/a $e+e:/0

A:0er 5 ;ear, R,.1))9)))

A:0er 1) ;ear, R,.1))9)))

A:0er 15 ;ear, R,.1))9)))

T.Y.$.$.I. SEMESTER 'I 2&




A0 0e e+ o: 0e 2) ;ear,

$aa+e S6 A,,re R,.2))9)))

*ara+0ee a/0/o+ R,.15)9)))

$o+, A/0/o+ 'ar/a8e

a, -hat #ould %r./uta receive on maturit$ of the lans0

Mr.*=0a o ge0 a, :o, /+ ;ear 59 1) a+ 15 a, 6e+0/o+e a8oe.

A,,6/+g 0a0 0e A6a0/o+ Ao+0 gro, a0 a ra0e o: 9 0e =a;o0 o+

6a0r/0; o 8e R,.51)9 ()). A0 a gro0 ra0e o: 1)9 0e 6a0r/0; a6o+0

=a;a8e o 8e R,.&"29 )). Te 0a8e 8eo ,o, 0e e0a/, o: 0e =a;o0.

1)

$aa+e S6 A,,re R,.2))9))) R,.2))9)))

*ara+0ee a/0/o+ R,.15)9))) R,.15)9)))

$o+, A/0/o+ R,.1)9()) R,.5229)))





F/+a =a;o0 a0 0e e+ o: 2) ;ear, R,.51)9()) R,.&"29))

ON MATURITY OF THE PLAN

O+ 6a0r/0;9 ;o o ree/e 0e ,6 o: 0e Sr/a 8e+e:/09 gara+0eea/0/o+ a+ $o+, a/0/o+.

E;CLUSIONS


8e+e:/0, o0/+e /+ 0e =a+ o 8e =a;a8e.

he Accidental &eath 'enefit( )ermanent &isabilit$ 'enefit * +ritical illness 'enefit would not be paid out in the following circumstances:

<a>Se: /+:/0e /+@r/e,9 ,//e9 /+,a+/0;9 /66ora/0;9 o66/00/+g a+;

8rea o: a or 8e/+g +er 0e /+:e+e o: rg,9 /or e0.

<8> #e+ 0e /:e /+,re /, e+gage /+ a/a0/o+ or aero+a0/, o0er 0a+ a,

a =a,,e+ger o+ a /e+,e o66er/a a/rra:0 o=era0/+g o+ a ,ee

ro0e.

<> De 0o /+@r/e, :ro6 ar <e0er ar /, eare or +o0>9 /+a,/o+9

+0/+g9 o0er a+gero, o88/e, or a0//0/e,9 or a/+g 8ee+ o+ 0; /+

6//0ar;9 Para-6//0ar;9 ,er/0; or =o/e orga+/a0/o+.

PROHIBITION OF REBATES Se0/o+41 o: 0e I+,ra+e A09 1(3& ,0a0e, -


/+e 6e+ 0o a+; =er,o+ 0o 0a7e o0 or re+e or o+0/+e a+ /+,ra+e /+












"OTA" ENDO9MENT PLAN

Sa/+g, 6 Pro0e0/o+ Pa+ 0o E+,re a+ I+e=e+e+0 F0re

MEANING

Ko0a7 E+o6e+0 Pa+ /, a =ro0e0/o+ =a+ 0a0 oer, ;or /:e a+ a0 0e

,a6e 0/6e e+,re, 0a0 ;or 6o+e; oe, +o0 /e /e. I0 /+e,0, a =or0/o+ o: ;or

=re6/6 /+ :/+a+/a /+,0r6e+0, a+ e+,re, a o+,/era8e gro0 /+ ,a/+g,.

T/, /, a =ar0//=a0/+g =a+ </0 =ro:/0,>.


Ho o o ;o ae 0o 8e 0o aa/ o:

0/, =a+

M/+/66 age - 1& ;ear,

Ma?/66 age - 5 ;ear,

For a0 0er6 a+ I aa/ o: 0/, =a+ 1)-3) ;ear,





#a0 /, 0e 6a?/66 age 0a0 0e =a+

a+ oer ;o 0/"5 ;ear,

"EY FEATURES

Ter6 $e+e:/0 Pre:erre Ter6 $e+e:/0


ree/e a+ a/0/o+a ea0 8e+e:/0 a6o+09 / /, oer a+ a8oe 0e ,6

a,,re. Te 6a?/66 0er6 8e+e:/0 ;o a+ aa/ o: /, ea 0o 0e 8a,/ ,6

a,,re. #ere 0e Ter6 $e+e:/0 oer a==/e :or /, 6ore 0a+ R,.1) a7,9

8e00er ra0e, 6a; a==;9 ,8@e0 0o 6ee0/+g e/g/8//0; re/re6e+0,.





A/e+0a Dea0 $e+e:/0

T/, 8e+e:/0 =ro/e, a+ a/0/o+a a6o+0 <oer a+ a8oe 0e 8a,/ ,6

a,,re> 0o 0e 8e+e://ar; /+ 0e ee+0 o: 0e a/e+0a ea0 o: 0e /:e

/+,re. Te 6a?/66 oer aa/a8e +er 0/, 8e+e:/0 /, ea 0o 0e 8a,/

,6 a,,re <,8@e0 0o a 6a?/66 o: R,.1) a7,>.

Per6a+e+0 D/,a8//0; $e+e:/0

T/, 8e+e:/0 =ro/e, :/+a+/a ,==or0 /+ a,e o: ;or =er6a+e+0 /,a8//0; e

0o a+ a/e+0. Te a6o+0 =a;a8e /, oer a+ a8oe 0e 8a,/ ,6 a,,re a+

o 8e =a/ o0 a, a+ a++/0;. Te 6a?/66 Per6a+e+0 D/,a8//0; $e+e:/0

0a0 ;o a+ aa/ o: /, ea 0o 0e 8a,/ ,6 a,,re <,8@e0 0o a 6a?/66 o:

R,.1) a7,>.

Cr/0/a I+e,, $e+e:/0

T/, 8e+e:/0 a+ 8e 0a7e+ /0 0e 8a,/ /:e /+,ra+e =o/; 0o =ro/e

:/+a+/a ,==or0 /+ 0e ee+0 o: 6e/a e6erge+/e,. O+ 0e :/r,0 orre+e

o: r/0/a /+e,, r/+g 0e 0er6 o: 0e =o/;9 ;o o ree/e a =or0/o+ o:

0e ,6 a,,re 0o ree ;or :/+a+/a 8re+ /+ 0/, e6erge+;.

L/:e *ar/a+ $e+e:/0

T/, 8e+e:/0 a+ 8e aa/e o:9 o+; /+ a a,e ere 0e /:e /+,re a+ 0e

=ro=o,er are 0o /::ere+0 /+//a,. I+ a,e o: 0e +:or0+a0e ea0 o: 0e

=ro=o,er9 0/, 8e+e:/0 7ee=, 0e =o/; a/e 8; a//+g a :0re =re6/6, o+

0e =o/;.





A/e+0a D/,a8//0; *ar/a+ $e+e:/0



T/, 8e+e:/0 /, aa/a8e a,o ere 0e /:e /+,re /, 0e =ro=o,er.

ADVANTAGES

• O+ 6a0r/0;9 ;o o ree/e 0e ,6 a,,re =, 0e 8o+, a/0/o+.

$o+, a/0/o+ /, 0e a6o+0 /+ 0e A6a0/o+ Ao+09 /+ e?e,, o:

0e ,6 a,,re.

• Te a6o+0 aa/a8e /+ 0e A6a0/o+ Ao+0 /, /+e,0e /+ ar/o,


arer :or ;o.

• Te A0o6a0/ Coer Ma/+0e+a+e :a//0; e+,re, 0e =o/; re6a/+, /+


0e :/r,0 0ree ;ear, o: 0e 0er6.

• O+ 6a0r/0;9 ;o o ree/e 0e ,6 a,,re =, 0e 8o+, a/0/o+.

• Te a6o+0 aa/a8e /+ 0e A6a0/o+ Ao+0 /, /+e,0e /+ ar/o,


arer :or ;o.

• Te A0o6a0/ Coer Ma/+0e+a+e :a//0; e+,re, 0e =o/; re6a/+, /+


0e :/r,0 0ree ;ear, o: 0e 0er6.





• Yo a+ 0a7e a oa+ aga/+,0 ;or =o/;9 a:0er 0e =o/; a, 8ee+ /+ :ore

:or a0 ea,0 0ree ;ear,.

•

Yo ae 0e o=0/o+ o: =a;/+g =re6/6, ar0er;9 a: ;ear; or ;ear;.Yo a,o ae 0e :e?/8//0; 0o =a; =re6/6, 0rog 0e : 0er6 o: 0e

=o/; or =a; /0 :or a :/?e 0er6 o: 39 59 "9 1) or 15 ;ear,.

• Yo ae 0e 8e+e:/0 o: a 15-a; :ree oo7 =er/o.

TA; BENEFITS



are a, =er 0e rre+0; =rea//+g 0a? rega0/o+, a+ ;o are a/,e 0o o+,0



Mr. Sa+@a; *=0a9 o /, 3) ;ear, o9 e/e, 0o 8; a Ko0a7 E+o6e+0 Pa+

:or a ,6 a,,re o: R,. 59 ))9))) :or a 2)-;ear 0er6 :or /, /:e9 o /, age

2&. Mr. *=0a e/e, 0o 0a7e 0e L/:e *ar/a+ $e+e:/0 a, a r/er 0o 0e =a+.

He oe, 0/, 0o =ro/e e+a+e ,er/0; a+ =ro0e0/o+ 0o /, /:e.

Te a++a =re6/6, =a/ 8; Mr. *=0a are a, :oo,

A6o+0 <R,.>





Ko0a7 E+o6e+0 Pa+ Pre6/6 229552

L/:e *ar/a+ $e+e:/0 Pre6/6 191)

To0a A++a Pre6/6 Pa/ 2395&

ON MATURITY OF THE POLICY

O+ 6a0r/0; Sa+@a; *=0a o ree/e 0e ,6 a,,re or A6a0/o+

Ao+09 /eer /, /ger.

LI%I& )R%IU% )A%N )IN

Yor /:e /, +er0a/+ a+ /0 r/,/+g o,0, a+ eo+o6/ /+,0a8//0;9 ;o 6a;

+o0 8e ,re a8o0 ;or :0re /+o6e,. Yo +ee a =ro0 0a0 +o0 o+; o::er,

;o a oer :or 0e 0er6 0a0 ;o a+09 80 a,o9 a0 0e ,a6e 0/6e g/e, ;o 0e

:e?/8//0; 0o oo,e a =re6/6 0er6 , 0a0 ;o =a; =re6/6, r/+g 0e

=er/o 0a0 ;o are er0a/+ o: a ,ere /+o6e. Te L/6/0e Pre6/6 Pa;6e+0

<LPP> o=0/o+ /+ 0e Ko0a7 E+o6e+0 Pa+

1. Coer, ;o :or a 0er6 <;ear,> o: ;or o/e.

2. A0 0e ,a6e 0/6e oe, +o0 8re+ ;o /0 0e /a8//0; 0o =a; =re6/6,

:or 0a0 e+0/re 0er6.

• Yo 0o $o+, A/0/o+ :or 0e e+0/re 0er6 o: 0e =a+.

FOR 9HAT TERM CAN I AVAIL OF THE PLAN

Yo 6a; 0a7e a =o/; o: 0er6 rag/+g :ro6 1) 0o 3) ;ear,. Hoeer9 ;o 6a;

o=0 :or a /6/0e =re6/6 =a;6e+0 0er6 o: 39 59 "9 1)9 or 15 ;ear,. Te

Pre6/6 =a;6e+0 0er6 6,0 8e e,, 0a+ 0e =o/; 0er6.





HO9 DOES LPP OPTION 9OR":

/0e+ /, a T' a0or9 age 3) ;ear,. He a+0, 0o 8; 0e Ko0a7 E+o6e+0 Pa+

o: R,.1rore :or 15 ;ear,. Hoeer9 e /, +o0 0oo ,re /: /, /+o6e o

re6a/+ 0e ,a6e :or 15 ;ear,9 0o 8e a8e 0o a::or 0e =re6/6,.

$0 /0e+ /, +o0 orr/e 8ea,e /0 0e Ko0a7 E+o6e+0 Pa+9 e a+

oo,e 0o /6/0 0e =re6/6 =a;/+g 0er6 o+ /, =o/; 0o 3 ;ear,. T, e =a;,

=re6/6 :or 3 ;ear, a+ ge0, =ro0e0/o+ a+ $o+, A/0/o+ :or a Per/o o: 15

;ear,.

I+ 0e ee+0 o: 6a0r/0;ea09 /0e+ /, 8e+e://ar/e, o ree/e 0e ,6

A,,re =, 0e 8o+, a/0/o+ </: a+;>.

BENEFITS OF LPP OPTION

• Yo a+ =a; o:: a =re6/6, oer a ,or0 =er/o o: 0/6e a+ 8e :ree

:ro6 =a;/+g =re6/6, :or 0e re,0 o: 0e =o/; 0er69 /e e+@o;/+g 0e

/:e oer :or 0e e+0/re =o/; 0er6.

• E+@o; 0e 8e+e:/0, o: 8o+, a/0/o+, :or 0e e+0/re 0er6 o: 0e =o/;.

E;CLUSION


8e+e:/0 o0/+e /+ 0e =a+ o 8e =a;a8e.

he Accidental &eath 'enefit( )ermanent &isabilit$ 'enefit * +ritical

Illness 'enefit would not be paid out in the following circumstances:





2. A+; =er,o+ 6a7/+g e:a0 /+ o6=;/+g /0 0e =ro/,/o+ o: 0/,

,e0/o+ ,a 8e =+/,a8e /0 :/+e9 / 6a; e?0e+ 0o :/e +re

r=ee,.

"OTA" RETIREMENT INCOME PLAN

So ;o%re To6orro I, $e00er Ta+ Yor Toa;.





MEANING

Te Ko0a7 Re0/re6e+0 I+o6e Pa+ /, a ,a/+g, =a+ e,/g+e 0o 6ee0 ;or

=o,0-re0/re6e+0 +ee,. I0 /, a =a+ 0a0 g/e, ;o Qee+e 7/ aaa/Q. I0 g/e, ;o

0e o/e 0o re6a/+ /+e=e+e+0 ee+ a:0er re0/re6e+0.

Te Ko0a7 Re0/re6e+0 I+o6e Pa+ /, a =ar0//=a0/+g =a+. Te =a+ o6e, /+

0o :or6, <I> #/0 Coer <II> #/0o0 Coer.


Ho o o ;o ae 0o 8e 0o aa/ o: 0/,

=a+

M/+/66 age - 1& ;ear,

Ma?/66 age - ) ;ear,

For a0 0er6 a+ ;o oo,e 0o =a; 0e

=re6/6,5 ;r, - 3) ;r,

Ho o o ;o ae 0o 8e 0o ree/e

;or a++/0;

M/+/66 Age - 45 ;r,

Ma?/66 Age 5 ;r,

A0 a0 /+0era, a+ ;o =a; 0e

=re6/6

!ar0er;

Ha: Year;

A++a;





"EY FEATURES

Ter6 Pre:erre Ter6 $e+e:/0


ree/e a+ a/0/o+a Dea0 $e+e:/0 a6o+09 / /, oer a+ a8oe 0e S6

A,,re. Te 6a?/66 a6o+0 o: 8e+e:/0 ;o a+ aa/ o: /, ea 0o 0e $a,/

S6 A,,re. #ere 0e Ter6 $e+e:/0 oer a==/e :or /, 6ore 0a+ R,.1)

a7,9 8e00er ra0e, 6a; a==;9 ,8@e0 0o 6ee0/+g e/g/8//0; re/re6e+0,.

A/e+0a Dea0 $e+e:/0

I+ 0e ee+0 o: ea0 a, a re,0 o: a+ a/e+0 r/+g 0e 0er6 o: 0/, 8e+e:/09

;or 8e+e://ar; / ree/e a+ a/0/o+a 8e+e:/09 / /, oer a+ a8oe 0e

$a,/ S6 A,,re. Te 6a?/66 A/e+0a Dea0 $e+e:/0 ;o a+ aa/ o: /,

ea 0o 0e $a,/ S6 A,,re <,8@e0 0o a 6a?/66 o: R,. 1) a7,>.

Cr/0/a I+e,, $e+e:/0

I+ a,e o: 0e :/r,0 orre+e o: a r/0/a /+e,, r/+g 0e 0er6 o: 0/, 8e+e:/09

0e Cr/0/a I+e,, $e+e:/0 S6 A,,re / 8e ae 0o 0e S==e6e+0ar;

A6a0/o+ Ao+0. O+e 0e a/0/o+ /, 6ae 0o 0e S==e6e+0ar;

A6a0/o+ Ao+09 0e $a,/ S6 A,,re o ree 8; 0e Cr/0/a

I+e,, $e+e:/0 S6 A,,re9 0e $a,/ A6a0/o+ Ao+0 o ree /+





0e ,a6e =ro=or0/o+ a+ :0re =re6/6, :or 0e =a+ o 8e reaa0e

8a,e o+ 0e ree S6 A,,re. . Te 6a?/66 Cr/0/a I+e,, $e+e:/0

S6 A,,re ;o a+ aa/ o: /, ea 0o 0e $a,/ S6 A,,re <,8@e0 0o a

/6/0 o: R,.2) a7,>.

Per6a+e+0 D/,a8//0; $e+e:/0

I: ;o 6ee0 /0 a+ a/e+0 r/+g 0e 0er6 o: 0/, 8e+e:/09 a+ are

=er6a+e+0; /,a8e9 ;o o 8e e+0/0e 0o a+ a/0/o+a a6o+09 / /,

oer a+ a8oe 0e $a,/ S6 A,,re. T/, a6o+0 / 8e ae 0o 0e

S==e6e+0ar; A6a0/o+ Ao+0 a+ / 8e aa/a8e o+ re0/re6e+0. Te

6a?/66 8e+e:/0 aa/a8e +er 0/, =a+ /, ea 0o 0e $a,/ S6 A,,re

<,8@e0 0o a 6a?/66 o: R,.1) a7,>.

L/:e *ar/a+ $e+e:/0

I+ a,e o: 0e +:or0+a0e ea0 o: 0e =ro=o,er9 0/, 8e+e:/0 7ee=, 0e =o/;

a/e 8; a//+g a :0re =re6/6, o+ 0e =o/;. T/, /, aa/a8e o+; ere

0e =ro=o,er a+ 0e /:e /+,re are 0o /::ere+0 /+//a,

A/e+0a D/,a8//0; *ar/a+ $e+e:/0



T/, /, aa/a8e o+; e+ 0e =ro=o,er a+ 0e /:e /+,re are 0o /::ere+0

/+//a,

ADVANTAGES





Yo a+ oo,e 0o re0/re a0 a+; age 8e0ee+ 45 ;r, a+ 5 ;r,.

O+ Re0/re6e+0 Yo 6a; 0a7e a 6= ,6 /+ a, o: = 0o a 0/r

$a,/ S6 A,,re or A6a0/o+ Ao+09 /eer /, /gerG a+ 0e

8aa+e o: 0e 8e+e:/0 ;o are e/g/8e :or / 8e ,e 0o 8; a+ a++/0; o:

;or o/e.

A++/0; O=0/o+, Yo 6a; 8; a+ a++/0; e/0er :ro6 Ko0a7 L/:e

I+,ra+e <,8@e0 0o 0e o/e a+ ra0e, aa/a8e a0 0a0 0/6e>9 or :ro6

a+; o0er /+,rer.

Yo a+ 6a7e 6=-,6 /+@e0/o+, /+0o ;or =o/; a0 a+; 0/6e 8e:ore

re0/re6e+0 <, 6=-,6 /+@e0/o+, r/+g a ;ear 6a; +o0 e?ee 25

o: 0e $a,/ S6 A,,re>. A S==e6e+0ar; A6a0/o+ Ao+0 /

8e rea0e :or 0/,9 a+ / 8e =a/ o0 /+ 0e ,a6e 6a++er a, o0er

8e+e:/0,.

Yo 6a; e?er/,e 0e o=0/o+ o: =a;/+g =re6/6, :ro6 0e

S==e6e+0ar; A6a0/o+ Ao+09 rea0e :or Q6=-,6

/+@e0/o+,Q9 /: 0e +ee ar/,e,.

For a Q#/0 CoerQ =a+9 ;o ae 0e :a//0; o: A0o6a0/ Coer

Ma/+0e+a+e9 / e+,re, 0a0 0e oer re6a/+, /+ :ore ee+ e+

;o 6/,, 0e =re6/6 =a;6e+0,. T/, :a//0; /, aa/a8e a:0er 0e :/r,0

0ree ;ear, o: 0e 0er6.

Yo ae 0e o=0/o+ o: =a;/+g =re6/6, /+ ar0er;9 a:-;ear; or

;ear; /+,0a6e+0,.

Yo ae 0e :a//0; o: a 15-a; :ree oo7 =er/o





TA; BENEFITS


Cr/0/a I+e,, $e+e:/0 a/:; :or 8e+e:/0, +er Se0/o+ &)D.

4a,-hat 5aens In he vent f he &eath f he Life Insured 'efore

Retirement0

6or the "-ith +over" )lan:

Te 8e+e:/0, 0o 0e 8e+e://ar; / 8e9 grea0er o:

<a> S6 A,,re e,, a 0e =re6/6, e 80 +o0 =a/9 a+

<8> A6a0/o+ Ao+0.

T/, /, ,e 0o 8; a+ a++/0;9 a+ =ro/e o660a0/o+ 8e+e:/09 /+ aora+e

/0 0e 8e+e://ar;J, o/e.

6or the "-ithout +over" )lan:

Te 8e+e:/0, 0o 0e 8e+e://ar; / 8e9 grea0er o:

<a> Re0r+ o: =re6/6, </0o0 /+0ere,0>9 a+

<8> A6a0/o+ Ao+0.

T/, / 8e ,e 0o 8; a+ a++/0;9 a+ =ro/e o660a0/o+ 8e+e:/09 /+

aora+e /0 0e 8e+e://ar;J, o/e.






Mr. Me0a /, a 35-;ear-o 6a+9 o /,e, 0o re0/re a0 age ). He 0a7e, 0e

Ko0a7 Re0/re6e+0 I+o6e Pa+ /0 a $a,/ S6 A,,re o: R,. 3 a7,. He

o+,/er, 0e :oo/+g 0o o=0/o+,G Q#/0 CoerQ - O=0/o+ A9 a+ Q#/0o0

CoerQ - O=0/o+ $.

O=0/o+ A O=0/o+ $

Ko0a7 Re0/re6e+0 I+o6e Pa+ =re6/6 R, (9"5) R, (9))

Ter6 $e+e:/0 =re6/6 <3 a7, o:

oer>

R, 19&1&

A/e+0a Dea0 $e+e:/0 =re6/6

<3 a7, o: oer>

R, 25

To0a A++a Pre6/6 Pa/ R, 1195& R, (9325

4a, -hat is the benefit available to %r. %ehta on retirement0

Under tion A(

A,,6/+g 0a0 Mr. Me0aJ, A6a0/o+ Ao+0 gro, a0 =.a9 0e :+

aa/a8e 0o /6 / 8e R,. 49 "95)). A,,6/+g 0a0 /0 gro, a0 1)9 0e+ 0e

:+ aa/a8e 0o /6 / 8e R,. &G ")9))).Mr. Me0a 6a; o660e = 0o a

0/r /+ a, /66e/a0e;9 a+ 8; a+ a++/0; /0 0e re6a/+/+g 8e+e:/0.

Under tion '(

A,,6/+g 0a0 Mr. Me0aJ, A6a0/o+ Ao+0 gro, a0 =.a9 0e :+

aa/a8e 0o /6 / 8e R,.49 39))). A,,6/+g 0a0 /0 gro, a0 1)9 0e+ 0e

:+ aa/a8e 0o /6 / 8e R,. &9 59)).





Mr. Me0a 6a; o660e = 0o a 0/r /+ a, /66e/a0e;9 a+ 8; a+ a++/0;

/0 0e re6a/+/+g 8e+e:/0.

4b, -hat is the benefit available in the event of the unfortunate death of %r.

%ehta after 17 $ears0

Under tion A(

Mr. Me0aJ, 8e+e://ar; / 8e e/g/8e :or 0e grea0er o: R,. 3 a7, or 0e

8aa+e /+ 0e A6a0/o+ Ao+0. Te 8aa+e /+ 0e A6a0/o+

Ao+0 / 8e e,, 0a+ R,. 3 a7, ee+ /: 0e a6a0/o+ ao+0 gro, a0

1) =er a++6. He,e / a,o ree/e a+ a/0/o+a R,.3 a7, +er 0e

QTer6 $e+e:/0Q a, Mr. Me0a aa/e o: 0/, ae-a 8; =a;/+g a +o6/+a

=re6/6 o: R,.19 &1& =.a9 :or /0. Te 8e+e://ar; 6a; o660e = 0o a 0/r /+

a, /66e/a0e;9 a+ 8; a+ a++/0; :ro6 0e re6a/+/+g 8e+e:/0.

Under tion '(

Mr. Me0aJ, 8e+e://ar; / 8e e/g/8e :or R,. 19 (594)) /: /, A6a0/o+

Ao+0 gro, a0 =er a++69 a+ R,. 29 "59)) /: /, A6a0/o+

Ao+0 gro, a0 1) =er a++6. I+ 0e ee+0 0a0 Mr. Me0aJ, ea0 a, 8ee+

e 0o a+ a/e+09 0e+ /, 8e+e://ar; / ree/e a+ a/0/o+a R,.3 a7,

+er 0e QA/e+0a Dea0 $e+e:/0Q9 a, Mr. Me0a aa/e o: 0/, ae-a

8; =a;/+g a 6/+/6a =re6/6 o: R,.25 =.a. :or /0. Te 8e+e://ar; 6a;

o660e = 0o a 0/r /+ a, /66e/a0e;9 a+ 8; a+ a++/0; /0 0e

re6a/+/+g 8e+e:/0.

E;CLUSION






8e+e:/0, o0/+e /+ 0e =a+ o 8e =a;a8e.

he Accidental &eath 'enefit( )ermanent &isabilit$ 'enefit( +ritical Illness

'enefit * 8otak Accidental &isabilit$ /uardian 'enefit would not be paid out

in the following circumstances:

<a> Se: /+:/0e /+@r/e,9 ,//e9 /+,a+/0;9 /66ora/0;9 o66/00/+g a+; 8rea

o: a or 8e/+g +er 0e /+:e+e o: rg,9 /or e0.

<8> #e+ 0e /:e /+,re /, e+gage /+ a/a0/o+ or aero+a0/, o0er 0a+ a, a

=a,,e+ger o+ a /e+,e o66er/a a/rra:0 o=era0/+g o+ a ,ee ro0e.

<> De 0o /+@r/e, :ro6 ar <e0er ar /, eare or +o0>9 /+a,/o+9 +0/+g9

6o+0a/+eer/+g9 6o0or ra/+g o: a+; 7/+9 o0er a+gero, o88/e, or

a0//0/e,9 or a/+g 8ee+ o+ 0; /+ 6//0ar;9 Para-6//0ar;9 ,er/0; e0.

PROHIBITION OF REBATES

Se0/o+ 41 o: 0e I+,ra+e A09 1(3& ,0a0e,


/+e6e+0 0o a+; =er,o+ 0o 0a7e o0 or re+e or o+0/+e a+ /+,ra+e /+










5 EASY STEPS TO BUYING A POLICY

1. I+/0/a;9 aa0e 0e e?a0 a6o+0 o: /+,ra+e 0a0 ;o +eeG

2. De/e / =ro0 ,/0, ;o 8e,0 8a,e o+ ;or /:e ,0age a+ +ee9

3. Caa0e 0e =re6/6 0a0 ;o +ee 0o =a; o+ 0e 8a,/, o: 0e =ro0

0a0 ;o ae e/e 0o 8;G

4. O+e ;o ae e/e o+ a 0e a8oe =ara6e0er,9 ge0 /+ 0o /0 a

L/:e A/,or a0 a+; o: 0e Ko0a7 L/:e I+,ra+e 8ra+ o::/e,.

5. Te L/:e A/,or / a,,/,0 ;o /+ ://+g = a =ro=o,a :or6. I+ a/0/o+

0o a =ro=o,a :or69 ;o +ee 0o ,86/0 ,o6e :/+a+/a o6e+0, 0a0 are

re/re /+ orer 0o 8; a =o/;. Te L/:e A/,or / +o0/:; 0e /,0 o:

:/+a+/a o6e+0, re/re :or 0e ,a6e.





<3 RESULT

"#$% M%'(*+% O,* M-$-%, L(/ I0-+%/ L(/ I0-+%/

R9.%ILLIN . <3FY=7

>3M)

<3FY=6

>3M)

<2FY=7

>3M)

YTDFY=7

>?M)

YTDFY=

6 >?M)

FY=6

>12M)

*ro,,

=re6/6

/+o6e

2@132.

6

1@

2=?.7

1@6

7.5

5@=4

7.7

[email protected]

6@2

1.5

Lo,, >175.7) >12=.5) >16?.=) >42.3) >42=.1) >432.4)

• Ko0a7 L/:e I+,ra+e <KLI> =re6/6 /+o6e gre " 0o R, 29132.

6+ /+ !3FY)" :ro6 R,. 192)(." 6+ /+ !3FY).

• KLI a, a +e0or7 o: 5 8ra+e, /+ 44 /0/e, <44 8ra+e, a, o+ Mar

)>.

• A, o+ Dee68er 319 2)) KLI a oer 24&9))) /+//a =o//e, o+

8oo7, re=re,e+0/+g a 8a,/ ,6 a,,re o: aro+ R,. 1)3.5 8+

<e?/+g r/er,>. A/0/o+a;9 KLI a aro+ 1(& gro= =o//e,

oer/+g oer 324))) /e, /0 a+ aggrega0e ,6 a,,re o: aro+ R,

(1.28+.





SBI LIFE INSURANCE

S$I L/:e I+,ra+e /, a @o/+0 e+0re 8e0ee+ 0e State Bank of India a+

Cardiff SA o: Fra+e. S$I L/:e I+,ra+e /, reg/,0ere /0 a+ a0or/e

a=/0a o: R, 5)) rore a+ a =a/ = a=/0a o: R, 5)) rore,. S$I o+, "4 o:

0e 0o0a a=/0a a+ Car/:: 0e re6a/+/+g 2.

S0a0e $a+7 o: I+/a e+@o;, 0e arge,0 8a+7/+g :ra+/,e /+ I+/a. Ao+g /0 /0,

" A,,o/a0e $a+7,9 S$I *ro= a, 0e +r/ae ,0re+g0 o: oer 1495))

8ra+e, aro,, 0e o+0r;9 0e arge,0 /+ 0e or. Car/: /, a o; o+e

,8,//ar; o: $NP Par/8a,9 / /, Te Ero o+e%, ea/+g $a+7. $NP


http://www.statebankofindia.com/

http://www.cardif.com/pages/index_gb.html

http://www.cardif.com/pages/index_gb.html

http://www.statebankofindia.com/




Par/8a, /, o+e o: 0e oe,0 :ore/g+ 8a+7, /0 a =re,e+e /+ I+/a a0/+g 8a7

0o 1&). Car/: /, ra+7e 2+ or/e /+ re/0or%, /+,ra+e o::er/+g

=ro0e0/o+ 0o oer 35 6//o+ =o/;oer, a+ +e0 /+o6e /+ e?e,, o: Ero 1

8//o+ 6ar7. Car/: a, a,o 8ee+ a =/o+eer /+ 0e ar0 o: ,e/+g /+,ra+e

=ro0, 0rog o66er/a 8a+7, /+ Fra+e a+ 34 6ore o+0r/e,.

S$I L/:e I+,ra+e%, 6/,,/o+ /, 0o e6erge a, 0e ea/+g o6=a+; o::er/+g a

o6=ree+,/e ra+ge o: L/:e I+,ra+e a+ =e+,/o+ =ro0, a0 o6=e0/0/e

=r/e,9 e+,r/+g /g ,0a+ar, o: ,0o6er ,er/e a+ or a,, o=era0/+g

e:://e+;.

S$I L/:e I+,ra+e /, +/e; =ae a, a =/o+eer 0o ,er $a+a,,ra+e /+0o

I+/a. Te o6=a+; o=e, 0o e?0e+,/e; 0//,e 0e S$I *ro= a, a =a0:or6 :or

ro,,-,e/+g /+,ra+e =ro0, ao+g /0 /0, +6ero, 8a+7/+g =ro0

=a7age, , a, o,/+g oa+, a+ =er,o+a oa+,. S$I%, ae,, 0o oer 1))

6//o+ ao+0, =ro/e, a /8ra+0 8a,e 0o 8/ /+,ra+e ,e/+g aro,, eer;

reg/o+ a+ eo+o6/ ,0ra0a /+ 0e o+0r;

Te E+0/re L/:e I+,ra+e Pro0 O::ere $; I+,ra+e Co6=a+/e, Are

D/::ere+0 Fro6 O0er Co6=a+;. Le0 U, See Ho 0e Ko0a7%, L/:e I+,ra+e





POINTS "OTA" ENDO9MENT

PLAN

SBI ENDO9MENT PLAN

Age ntr$ M/+.1&;r, Ma?. 5 ;r,

M/+.12;r, Ma?. 5 ;r,

erm M/+.1);r, Ma?.

3) ;r,

M/+.&;r,

Ma?.--3) ;r,

&eath

'enefit

I+ ee+0 o: ea0 +o6/+ee /

ree/e 8a,/ ,6 a,,re or

a6a0e a,,re /

eer /, /ger

S6 a,,re a 8o+,e,.

)remium

)a$ment

Regar =re6/6 =a;6e+0. Regar =re6/6 =a;6e+0

,/+ge =re6/6 =a;6e+0.

KOTAK PENSION PLAN S S!I PENSION PLAN

POINTS "OTA" PENSION PLAN SBI PENSION PLAN

)lan

tion

Ko0a7 =e+,/o+ =a+ o::er, , /+

0ree er,/o+, - /0 oer9

/0o0 oer9 ,/+ge =re6/6.

S$I =e+,/o+ =a+ o::er /+ 0o

o=0/o+ -

I-=re o=0/o+.

II - =e+,/o+ 6 /:e oer.

Age

ntr$

M/+. 1& ;r,.

Ma?. 55 ;r,.

M/+ 1& ;r,.

Ma?. );r,.

)remium M/+. R,.1)9 ))) a++a;. M/+.R,.129 )))

Ma?. No /6/0





erm

)lan

M/+. O: 1) ;r,. <,/+ge

=re6/6-5;r,.>

Ma?. O: 3) ;r,.

M/+. O: 1);r,.

Ma?. O: 52 ;r,.

oU

)remium

M/+. R,.1)9))) M/+.R,.19)))- /+ 60/=e o:

R,.1))-

Ma?. C6a0/e 0o= =

=re6/6<,> /+ a =o/; ;r, /,

/6/0e 0o 0/e 0e a++a/e

=re6/6 r/+g 0a0 =o/; ;r.

%aturit$

Age

M/+.-45 ;r,.

Ma?.- "5 ;r,.

M/+.-5) ;r,.

Ma?-") ;r,.

SURVEY FORM





95RI +5INAI +LL/ 6 +%%R+ * +N%I+9

;uestionnaire for 9urve$ of 8otak %ahindra < Life Insurance

Na6e

De,/g+a0/o+ - Co+0a0 No.-VVVVVVVVVV

1. Are Yo Aare O: I+,ra+e

Ye, No

2. #/ Co6=a+; Do Yo Pre:er

Pr/a0e P8/

3. Do Yo Hae L/:e I+,ra+e Pa+ O: A+; Co6=a+;

I: Ye, Ta+ #/ Co.VVVVVVVVVVVVVVVVVVVVVV

4. Do Yo Hae A+; Ko0a7 L/:e I+,ra+e Pa+

VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

5. *rae 0e A8oe Po/; Aor/+g To Yor Nee, :ro6 1-1)

Ter6 Pa+ Mo+e; $a7 Pa+

Pe+,/o+ Pa+ E+o6e+0 Pa+

. A0 #a0 Age ;o% =re:er 0o 0a7e /:e I+,ra+e Pa+

VVVVVVVVVVVVVVVVVVVVVVVVVVVVV





". */e Yor Co66e+0, O+ Ko0a7 Ma/+ra L/:e I+,ra+e

VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV

Pro@e0 */e Pre=are $;

Pro:.N/,/7a+0 a A6/0 Pa+ar

<Co-or/+a0or> <T.Y.$.$.I>

SURVEY RESULT

1. Mar7e0 ,are o: /:e I+,ra+e o6=a+;

M%+/$ S'%+/ # L(/ I0-+%/

C#%

M%+/$ S'%+/ >)

LIC "(.5

ICICI Pre+0/a 5."3

$a@a@ A/a+ 4.1(

S$I L/:e 2.24

HDFC S0a+ar 1.&1

$/ra S+L/:e 1.)5

Ta0a AI* ).&(

Ma? Ne Yor7 1.)2

A/a ).(5

8otak %ahindra =.7>





IN* ';,;a ).5"

Re/a+e L/:e ).""

Me0L/:e ).32

Saara L/:e ).)3

2. Are Yo Aare O: I+,ra+e

"& YES OUT OF #HICH ") ARE INSURED 22 NO





3. #/ Co6=a+; Do Yo Pre:er

P8/ ---- 3 Pr/a0e ---- 3"

4. Do Yo Hae L/:e I+,ra+e Pa+ O: A+; Co6=a+;





5. *rae 0e A8oe Po/; Aor/+g To Yor Nee, :ro6 1-1)

Ter6 Pa+ Mo+e; $a7 Pe+,/o+ Pa+ E+o6e+0 Pa+

. A0 #a0 Age ;o% =re:er 0o 0a7e /:e I+,ra+e Pa+

2)-3) ---- 3 3)-4) ---- 3)

4)-5) ---- 5 5) A8oe ---- 2

T.Y.$.$.I. SEMESTER 'I )




SURVEY REPORT

I ae o+0e ,re; :or 0e =ro@e0 / / g/e 6e a =ra0/a

7+oege a8o0 /+,ra+e a6o+g,0 ge+era =8/. I ae +o0/e 0a0 aro+

&) o: 0e ge+era =8/ a, 8ee+ /+,re 8; LIC 0e 8a,/ rea,o+ 8e/+ 0/,

/, 0a0 LIC /, 0e =8/ o6=a+; a+ =o/; oer, ae :a/0 /+ =8/

o6=a+;.

I ae a,o +o0/e 0a0 ,0o6er /, +o0 6 aare a8o0 7o0a7 6a/+ra a,

/+,ra+e o6=a+;. $ea,e 0e o6=a+; a, +o0 aer0/,e 0e6,ee,

=ro=er; /+ 0e 6ar7e0 / /, 0e 7e; :or 0e ,e,, a6o+g /0, o6=e0/0or,.

#/e o/+g ,re; I ae a,o +o0/e ,o6e o: 0e =o/+0 / /, er;

/6=or0a+0 :or 0e 7o0a7 6a/+ra a, e a, :or a 0e /+,ra+e o6=a+/e,

o+0/+g 0e/r 8,/+e,, /+ I+/a.

Te LIC /, 0e 6o,0 ea/+g o6=a+/e, /+ /+,ra+e ,e0or a/+g 6ar7e0

,are o: aro+ "(.3 / /, 0e /ge,0 a6o+g a 0e /+,ra+e

o6=a+; /+ I+/a. <:/g.1.>

Te ,eo+ arge,0 6ar7e0 ,are /, o: ICICI Pree+0/a a/+g 6ar7e0

,are o: aro+ 5."3 8,/+e,, /+ I+/a.

#erea, 7o0a7 6a/+ra ,are 0e 1)0 =o,/0/o+ o: 6ar7e0 ,are /.e. /0,

8,/+e,, /+ a6o+g,0 a 140 /+,ra+e o6=a+/e, /+ I+/a.





Ye,9 a Mo+e; $a7 Po/;. T/, /, a+ a+0//=a0e e+o6e+0 =o/; /0 a+

a/0/o+a :ea0re o: ree//+g a 8e+e:/0 a0 regar /+0era, r/+g 0e 0e+re o:

0e =o/;. Te r/,7 oer o+0/+e, :or 0e e+0/re ,6 a,,re /+ ,=/0e o: 0e

/+,0a6e+0, area; =a/. I: ;o o0/e 0e =o/;9 0e 8aa+e ,6 a,,re

ao+g /0 a6a0e 8o+, /, =a/ 8a7 0o ;o. For e?a6=e9 Ko0a7 Mo+e;

$a7 Pa+.

T/, /, ,/0a8e :or ;o /:

• Yo =a+ 0o o/+/e 0e :+, ree/e :ro6 0e =o/; /0 ;or :0re

a+0//=a0e +ee, /7e a ar9 a+ oer,ea, o/a;9 /re+J, ea0/o+a+ee,9 6arr/age e?=e+,e,9 e0.

"5o# safe is m$ investment #ith 8otak Life Insurance0 R ho# are the

remiums collected invested b$ 8otak Life Insurance0"

Ko0a7 L/:e I+,ra+eJ, /+e,06e+0 =or0:o/o a, 8ee+ rea0e /+ aora+e

/0 0e IRDA g/e/+e, o+ /+e,06e+0 8; a L/:e I+,ra+e Co6=a+;.

"Is there an$ otion #here I can restrict m$ remium a$ment for a lesser

number of $ears than the duration of the olic$0"

Ye,. #/0 0e Ko0a7 E+o6e+0 Pa+9 0ere /, a L/6/0e Pre6/6 Pa;6e+0

<LPP> o=0/o+. U+er 0/, o=0/o+ ;o a+ 0a7e a =o/; :or 1) 0o 3) ;ear, a+ o=0

:or =a;/+g =re6/6, :or 39 59 "9 1) or 15 ;ear, a:0er / =re6/6 =a;6e+0

ea,e, 80 0e oer o+0/+e, :or 0e e+0/re 0e+re o: 0e =o/;. T/, o=0/o+ /,

,/0a8e :or =eo=e o are ,re o: ,ere /+o6e o+; :or a ,=e/:/e =er/o

o: 0e/r ear+/+g /:e r/+g / 0e; a+0 0o =a; o:: a 0e/r =re6/6,


http://www.kotaklifeinsurance.com/omkm3/products/kmbp.htm







"Is there an$ olic$ #ith #hich I can lan for m$ retirement0"

Ye,. Ko0a7 Re0/re6e+0 I+o6e Pa+. T/, /, a =e+,/o+ =a+9 / e=, ;o 0o

regar; /+e,0 ;or ,a/+g, r/+g ;or ear+/+g /:e /+ orer 0o 8/ = a

re0/re6e+0 or=, 0o 0a7e are o: ;or =o,0 re0/re6e+0 +ee,. Fr0er ;o 6a;

8e e/g/8e :or a 0a? e0/o+ o+ 0e =re6/6, =a/ = 0o R, 1)9))) <a, =er

rre+0 0a? =ro/,/o+,> =er :/+a+/a ;ear +er ,e0/o+ &)CCC o: 0e I+o6e

0a? A0. O+ re0/re6e+0 ;o a+ /0ra = 0o o+e-0/r o: 0e A6a0e

Ao+09 / /, 0a?-:ree a+ :or 0e 8aa+e a6o+09 ;o a+ 8; a+ a++/0;.

"Are there an$ advantages in bu$ing insurance at an earl$ age0"

Ye,. Te =re6/6 0a0 ;o =a; o+ ;or /+,ra+e =o/; /, 6a/+; e=e+a+0

=o+ 0o 0/+g, - ;or age a+ 0e 0e+re o: 0e =o/;. Te ;o+ger ;o are9

0e oer /, ;or /+,ra+e =re6/6 a6o+0. . A0 ;o+ger age9 ;o o 8e

=;,/a; ,o+ a+ 6a; +o0 8e ,::er/+g :ro6 /+e,,e, 6e/a. T/, o

e+0/0e ;o 0o a oer =re6/6 o+ 0e =o/;. Tere:ore /0 /, a/,a8e 0o 8;

/+,ra+e a0 a+ ear; age 0o ree 0e o,0 o: /+,ra+e.

"-hat #ill I receive on maturit$ of m$ olic$0"

O+ 6a0r/0;9 ;o / ree/e 0e ,6 a,,re or 0e A6a0/o+ Ao+0/eer /, /ger. Le0%, +er,0a+ o 0e,e or7

1. Eer; ;ear ;o / =a; =re6/6 o+ ;or =o/;.

2. T/, =re6/6 / ge0 re/0e 0o a+ A6a0/o+ Ao+0.





3. Te a6o+0 re/re 0oar, ;or /:e oer e?=e+,e, a+ a+; o0er

e?=e+,e o 8e e0e :ro6 0/, Ao+0.

4. Te 8aa+e / 8e /+e,0e /+ ,o+ :/+a+/a ,er/0/e, <a, =er IRDA

rega0/o+,> o+ ;or 8ea:.

5. Te 8o+,e, eare ea ;ear 8; 0e o6=a+; o 8e ae 0o 0e

A6a0/o+ Ao+0. T,9 eer; ;ear 0e ae /+ ;or A6a0/o+

Ao+0 / ge0 o6=o+e.

. A0 0e e+ o: 0e =o/; 0e+re9 ;o o ree/e 0e a6o+0 /+ 0e

A6a0/o+ Ao+0 or 0e ,6 a,,re9 /eer /, /ger.

"-hat #ill haen to m$ olic$ if I miss a remium

)a$ment due date0

Ko0a7 L/:e I+,ra+e o::er, a grae =er/o o: 3) a;, a:0er 0e =re6/6

=a;6e+0 e a0e :or =a;/+g 0e o0,0a+/+g =re6/6. I: ;o :a/ 0o =a; 0e

=re6/6 o+ ;or =o/; /0/+ 0/, grae =er/o ;or =o/; / a=,e. Yo a+

re/e ;or a=,e =o/; 8; =a;/+g ;or o0,0a+/+g =re6/6 a+

a+/+g arge,. T/, :a//0; /, aa/a8e :or ,/? 6o+0,. Hoeer9 ;o a+

,0/ re/e 0e =o/; /0/+ 5 ;ear, :ro6 0e a0e o: /,,e o: =o/;. $0 /: ;o

are a==;/+g :or re/a o: ;or =o/; /+ 0/, =er/o9 0e+ ,a e+0a/

,86/,,/o+ o: =roo: o: goo ea0 a+ ;or =re6/6, / 8e reaa0e.

Hoeer9 /: ;or =o/; a, 8ee+ /+ :ore </+ e?/,0e+e /0 a =re6/6, =a/

o+ 0/6e> :or 0ree ;ear, a+ a:0er 0a0 ;o :a/ 0o =a; 0e =re6/69 0e+ ;or





Pa+9 Ko0a7 Pre:erre Re0/re6e+0 Pa+,9 e0 ao ;o 0o 6ee0 ;or a

:/+a+/a goa, o: /:e oer a+ Sa/+g, :or 0e :0re. C#,,%$/+%, 0/-+($ #+

,#%0

Yo 6a; aa/ o: a oa+ :ro6 0e /+,ra+e o6=a+; aga/+,0 er0a/+ =a+,.

Yor =o/; o a,o 8e =ege a, oa0era 0o ra/,e :+, :ro6 8a+7, a+

o0er :/+a+/a /+,0/00/o+,. I+ a,e o: ;or +:or0+a0e ea0 0e oa+, 6a; 8e

re=a/ :ro6 0e =roee, o: 0e /:e /+,ra+e =o/;. S%(0

I+,ra+e =ro6o0e, o6=,or; ,a/+g, /0 regar =re6/6 =a;6e+0, a+

e=, 8/ = a or=, o: :+, ao+g /0 :/+a+/a ,er/0; :or 0e e=e+a+0,/+ a,e o: =re6a0re ea0. F#+ #-+ /*(%, //*0 %* $'%$ # #-+ %(,

Ho,=/0a/a0/o+ o,0, a+ a/0; ea0are /, 8eo6/+g /+rea,/+g;

e?=e+,/e. #/0o0 /+,ra+e9 ;o a+ a0a; :ae a ,/0a0/o+ ere ;o ae

/0ra+ a ;or 6o+e; a+ 8orroe 0o =a; 0e 6e/a 8/,. T/, a+ 8e

=ro/e /0 or Cr/0/a I+e,, $e+e:/0. I+,ra+e =ro/e, ;o 0e o=0/o+ o:

oer/+g ;or,e: 0oar, a+; r/0/a /+e,,e, 0a0 a+ 8eo6e e?0re6e;

o,0;. Coo,/+g 0/, :a//0; =a;, ;o a 6= ,6 =o+ /ag+o,/, o: er0a/+

/,ea,e, /7e a+er9 7/+e; :a/re9 ear0 a00a79 ,0ro7e9 oro+ar; 8;=a,,9 /0a

orga+ 0ra+,=a+0,9 Ae/6erJ, /,ea,e9 =ara;,/,9 e0.

"Is there an$ otion #here I can restrict m$ remium a$ment for a lesser

number of $ears than the duration of the olic$0"

Ye,. #/0 0e Ko0a7 E+o6e+0 Pa+9 0ere /, a L/6/0e Pre6/6 Pa;6e+0

<LPP> o=0/o+. U+er 0/, o=0/o+ ;o a+ 0a7e a =o/; :or 1) 0o 3) ;ear, a+ o=0

:or =a;/+g =re6/6, :or 39 59 "9 1) or 15 ;ear, a:0er / =re6/6 =a;6e+0

ea,e, 80 0e oer o+0/+e, :or 0e e+0/re 0e+re o: 0e =o/;. T/, o=0/o+ /,

T.Y.$.$.I. SEMESTER 'I "




,/0a8e :or =eo=e o are ,re o: ,ere /+o6e o+; :or a ,=e/:/e =er/o

o: 0e/r ear+/+g /:e r/+g / 0e; a+0 0o =a; o:: a 0e/r =re6/6,

NE9S ARTICLES

8A8 LI6 L8IN/ 6R RURAL IU)9

Or $rea

H;era8a9 De. 15

Ko0a7 L/:e I+,ra+e /, oo7/+g a0 ro=/+g /+ o-o=era0/e 8a+7,9 =r/6ar;

agr/0ra o-o=era0/e ,o/e0/e, <PACS>9 N*O, a+ ,e:-e= gro=, 0o ,e

/0, =ro0, /+ 0e rra area,. Q#e are =a++/+g 0o ae rra 0/e-=, :or

/,0r/80/+g or =o//e,9Q Mr *ara+g Sa9 Ma+ag/+g D/re0or9 ,a/.

Te o6=a+; area; a 0/e-=, /0 24 r8a+ o-o=era0/e 8a+7, 0o /,0r/80e

/0, =ro0,. Are,,/+g a =re,, o+:ere+e ere o+ Fr/a;9 e ,a/ 0e o6=a+;

:o+ +o+-goer+6e+0a orga+/,a0/o+, a, 0e r/g0 a++e,. Q#e o ae

re/8e /+0er6e/ar/e, /+ , N*O,9Q e ,a/. Mr Sa a, ere /+

o++e0/o+ /0 0e a+ o: o6=a+;J, 3r 8ra+ a+ 0e 0/r /+

H;era8a a0 H/6a;a0+agar. Q#e are go/+g 0o o=e+ 8ra+e, /+ '/@a;aaa a+

'/,a7a=a0+a6 /+ 0e +e?0 :e 6o+0,9Q e ,a/.

T.Y.$.$.I. SEMESTER 'I &




Q#e are go/+g 0o /+:,e R, 2) rore 0o ra/,e 0e a=/0a 0o R, 3) rore 8; 0e

e+ o: 0e :/,a9Q Mr Sa ae.

8A8 LI6 NR9 BICIANA/ARA%

Or $rea

H;era8a9 O0. 2"

Ko0a7 L/:e I+,ra+e a, 6ae a :ora; /+0o '//a+agara6 /,0r/0 o: A+ra

Prae, 0rog a 0/e-= /0 Sa7,/ I+e,06e+0,. Te 0/e-= o e+a+e

Ko0a7J, =re,e+e9 a, 0e a00er a, a ,0ro+g 8a,e o: ,are 0ra/+g /e+0,9

aor/+g 0o a o6=a+; =re,, reea,e. Sa7,/ I+e,06e+0, o o::er a /er

arra; o: =ro0, /+/+g /+,ra+e. I0 o :o, o+ o+,o/a0/+g Ko0a7J,

=re,e+e /+ 0e reg/o+. #/0 a =o=a0/o+ o: 2.2 6//o+9 0e /,0r/0 /, :a,0

8eo6/+g a o66er/a 89 0e reea,e ,a/. Ko0a7 L/:e /, :o,e o+ 0e 0o=

3)-4) /0/e,. I0 a, 55 8ra+e, /0 a 0ea6 o: a8o0 149))) /:e a/,or,.

8A8 LI6 )99 122)+ /R-5 IN 51

Or $rea

M68a/9 O0. 23

Ko0a7 Ma/+ra O M0a L/:e I+,ra+e a, reg/,0ere a 122 =er e+0

gro0 /+ :/r,0 ;ear =re6/6 :or 0e a: ;ear e+e Se=0e68er 3). Te :/r,0

;ear =re6/6 aa0e 8; 0e A@,0e Pre6/6 E/ae+0 Me0o9

/+rea,e 0o R, 13."& rore <R, "3.&3 rore>.

T.Y.$.$.I. SEMESTER 'I (




Te A@,0e Pre6/6 E/ae+0 6e0o9 0a7e, /+0o ao+0 o+; 1) =er e+0

o: ,/+ge =re6/6. Regar =re6/6 r/+g A=r/-Se=0e68er9 2)) ro,e 0o R,

142.") rore9 aga/+,0 R, ").2 rore /+ 0e orre,=o+/+g =er/o a,0 ;ear.

QKo0a7 L/:e I+,ra+e 6a+age, R, 19335 rore /+ a,,e0, o: /9

a==ro?/6a0e; 4) =er e+0 /, /+ e/0;. #e / o+0/+e 0o 8/ o+ or

/,0r/80/o+ ,0re+g0, 0o /6=roe =ro:/0a8//0; a+ e/er o+g-0er6 ae9Q ,a/

Mr *ara+g Sa9 MD9 a+ Ko0a7 L/:e I+,ra+e.

8A8 LI6 RAI99 +A)IAL 'A9

Or $rea

M68a/9 +e 2

Ko0a7 L/:e I+,ra+e a, /+rea,e /0, ,are a=/0a 8; R, 2) rore 0o R, 31"

rore.Te =ro6o0er,9 Ko0a7 Ma/+ra $a+7 a+ O M0a9 ae /+:,e

a/0/o+a :+, a, =er 0e/r ,areo/+g /+ 0e @o/+0 e+0re.

QTe /+:,e a=/0a o 8e ,e a, =er 0e =re+0 a=/0a aea; +or6,0oar, ag6e+0/+g Ko0a7 L/:e I+,ra+eJ, 8,/+e,, o6e, a+ /0, +e0or79Q

0e o6=a+; ,a/ /+ a reea,e.Ko0a7 L/:e I+,ra+e /, =re,e+0 /+ 35 /0/e, /0

1295)) /:e a/,or, a+ 29133 e6=o;ee,

T.Y.$.$.I. SEMESTER 'I ")




8A8 LI6 )99 1==D )R%IU% IN+% /R-5

Or $rea

M68a/9 A=r/ 15

Ko0a7 Ma/+ra O M0a L/:e I+,ra+e <Ko0a7 L/:e> a, reg/,0ere a 1))

=er e+0 gro0 /+ /0, regar =re6/6 /+o6e a0 R, 34( rore /+ 2))5-)9 :ro6

R, 1"4 rore /+ 2))4-)5. Hoeer9 ,/+ge =re6/6 /+o6e :e 0o R, 33 rore

:ro6 R, 1&) rore /+ 0e ,a6e =er/o.

Mr *ara+g Sa9 Ma+ag/+g D/re0or9 Ko0a7 L/:e9 ,a/ 0a0 aro+ ) =er e+0o: 0e o6=a+;J, 8,/+e,, a6e /+ 0e a,0 ar0er 8o;e 8; 0e ,e,, o: /0,

+e; /+0roe a=/0a gara+0ee =ro0. QOr a=/0a gara+0ee =ro09

Ko0a7 Pr//ege9 a, ,ee+ 0re6e+o, ,e,, /+ 0e a,0 ar0er. T/, =ro0

ao+e a, ra7e /+ R, 112 rore /+ =re6/69Q e ,a/.

AdEusted remium e@uivalent

QTe a@,0e =re6/6 e/ae+09 a ,0a+ar 6ea,re /+ 0e /+,0r; 0a0 0a7e,

,/+ge =re6/6 /+o6e a0 1) =er e+09 a, gro+ :ro6 R, 2)( rore /+ 2))4-)5

0o R, 3 rore /+ 2))5-)9 a gro0 o: " =er e+09Q ,a/ a reea,e :ro6 0e

o6=a+;.

$a+a,,ra+e 0/e-=, /0 Ko0a7 a+ o0er 8a+7, ae R, 15) rore 0o 0e

+e 8,/+e,,. Q#/0 Ko0a7 $a+7 e?=a+/+g 0o 6ore oa0/o+, a+ /+rea,/+g /0,

re0a/ 8a,e9 e are r//+g o+ 0e /+:ra,0r0re 0o =e+e0ra0e ee=er 0o ,e6/-r8a+

area,9Q e ,a/.

/rou business

Hoeer9 gro0 /+ 0e gro= 8,/+e,, a, :a0. Mr Sa ,a/ 0a0 :r/+ge

T.Y.$.$.I. SEMESTER 'I "1




8e+e:/0 0a? o+ gro= ,=era++a0/o+ a a +ega0/e /6=a0 o+ 0e o6=a+;J,

gro= 8,/+e,,9 /0 o+; R, 1 rore o6/+g :ro6 0e =or0:o/o9 +a+ge

:ro6 0e =re/o, ;ear.

Ko0a7 L/:e / :o, o+ gro= re/0 0er6 a+ ,=era++a0/o+ 0o gro /0,

8,/+e,, /+ 0e rre+0 :/,a.

Ne# roducts

I+ 0er6, o: +e =ro0,9 0e o6=a+; / /+0roe 0o 6ore a=/0a

gara+0ee =o//e, a /re+J, =a+ a+ a re0/re6e+0 =ro0.

Te o6=a+; / ae 0o a0er 0ree o: /0, U+/0 L/+7e I+,ra+e Pa+, 0o

o+:or6 /0 0e g/e/+e, e::e0/e ; 1. Mr Sa ,a/ 0e 6o/:/a0/o+o 6a/+; o+,/,0 o: /+0ro/+g a o7-/+ =er/o.

Ko0a7 L/:e / ,0re+g0e+ /0, /,0r/80/o+ +e0or7 0/, :/,a 8; o=e+/+g 24

6ore 8ra+e, a+ /+rea,/+g /0, age+; :ore 0o 259))) :ro6 0e rre+0

1295)).

Mr Sa ,a/ 0e :o, o: 0e /:e /+,rer o o+0/+e 0o 8e 0e 6a,, a::e+0

a+ /g +e0-or0 /+//a,. Te aerage =re6/6 =er =o/; o: 0e

o6=a+; /, R, 39))).





CO

NCLUSION

Fro6 0e a8oe =ro@e0 re=or0 o+ Ko0a7 Ma/+ra - L/:e I+,ra+eB. Io+e 0a0 0e =ro0, o::ere 8; 7o0a7 6a/+ra 0o /0, ,0o6er, are

e+og 0o ,a0/,:; 0e/r +ee, 809 0e; are +o0 aare o: 0e o6=a+; a+ /0,

=ro0 /+ 0e 6ar7e0. Ko0a7 6a/+ra ,o aer0/,e 0e6 /+0er+a0/o+a; ,o





0a0 0e ,0o6er / 8e aare o: , o6=a+;. T/, / 8e e=: :or 0e

o6=a+; 0o o6=e0e /0 o0er /+,ra+e o6=a+/e,.

Te e0a/ g/e+ /+ 0/, =ro@e0 re=or0 /, 0re 0o 0e 8e,0 o: 6; 7+oege 0e

/+:or6a0/o+ 6ae 0o 6e r/+g 6; =ro@e0 0e+re.





BIBLIO

GRAPHY

$oo7 re:erre--

I+,ra+e I+,0/00e o: I+/a IC-33 L/:e I+,ra+e ---------- S.$aaa+ra+.

#e8,/0e,--

• .7o0a7/:e/+,ra+e.o6

• .,8//:e/+,ra+e.o6

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