TIPS Sales Training

8/14/2019 TIPS Sales Training

1/15

A Reliance Capital

Reliance Total Investment Plan Series

Sales Pitch and Competitor Comparison

March, 2008

Strictly for internal Circulation


2/15

A Reliance CapitalStrictl for internal Circulation

Maximum Growth

Complete Flexibility

Easy Liquidity

Tax Benefits

An Investors Wishlist.


3/15


4/15

A Reliance CapitalStrictl for internal Circulation

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


5/15

A Reliance Capital

Reliance Total Investment Plans Key Features at a Glance

Reliance Total Investment Plan Series I

Insurance (TIPS I)

Unit linked Plan

Pay single premium and relax

Option to purchase same plan in

subsequent years with reduced allocationcharges as low as 1%.

7 Fund Options (3 New Funds)

52 Free Switches in a year

Partial Withdrawals free of cost

Choose any Life Cover between 1.25 to 5

Times of Single Premium

Exchange Option Settlement Option

Systematic Transfer Plan under Equity

Fund

Strictl for internal Circulation

Reliance Total Investment Plan Series II

Pension (TIPS II)

Unit linked Plan

Pay single premium and relax

Option to purchase same plan in

subsequent years with reduced allocationcharges as low as 1%.

7 Fund Options (3 New Funds)

52 Free Switches in a year

Systematic Transfer Plan under Equity

Fund


6/15

A Reliance Capital

Basic Plan Benefits

Payable on survival of the Life Assured

up to the end of the policy term,

provided the policy is in force

Fund value as on the date of maturity

relating to the basic policy

Plus Fund Value under top-up contributions

(if any), as on the date of maturity.

Payable on death of the Life Assured

during the policy term, provided the policy

is in force

Fund value or Sum Assured whichever is

higher, on the date of intimation of death

Plus Fund Value under top-up contributions (if

any), as on the date of the death


Payable on survival of the Policyholder

up to the end of the policy term,

provided the policy is in force

Complete Fund value of basic plan +

top up amounts, as on the date of

maturity used to purchase annuity

OR 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 Policy Holder

during the policy term, provided the

policy is in force

Complete Fund value of basic plan+ top up amounts,as on the date ofintimation paid as lump sum or used to

purchase annuity by beneficiary

Reliance TIPS I - Insurance Reliance TIPS II - Pension

MaturityBenefit

DeathBenefit


7/15A 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.




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



9/15



Fund Management Charges- Equity/Infra/Energy/Midcap - 1.50%

- Money Market/Gilt/Corporate Bond - 1.25%

- Fund C (For Settlement only) - 1.30%

Charges

Allocation Charges

- Reduced Allocation Charges for Subsequent purchases in subsequent years

5

4

32

1

Year

1%5th Purchase - Platinum

2%4th Purchase - Diamond

3%3rd Purchase - Gold4%2

nd

Purchase - Silver

5%1st Purchase - Classic

Allocation

charge

Purchase

1%Top Up




Commission Rates

1.00%

2.00%

3.00%

4.00%

5.00%

Allocation charge

0.50%Diamond

0.50%Platinum

1.00%Gold

1.50%Silver

2.00%Classic

Commission RatesReliance total

Investment Plan

Series I &II




Platinum

AC=1%

Diamond

AC=2%

Gold

AC=3%

Silver

AC=4%

Classic

AC*=5%

ar 1 Year 5Year 4Year 3Year 2

PolicyTerm=10Yr

Year10

Maturity

PolicyTerm=6YrPolicyTerm=7YrPolicyTerm=8YrPolicyTerm=9Yr


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 6Yrrespectively.

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 arein force.

All the policies should end in the same date.

*AC=Allocation Charges; **PT=Policy Term

How the PlanWorks



Snapshot of Policy Conditions

678910Policy term

54321Policy Year of first

Purchase

Policy term (It is fixed depending upon the policy year of first purchase)

No LimitTIPS I Insurance Rs.25000

upto age 40

Rs 50000 above age 40

TIPS II- Pension

Rs 25000 for all ages

Premium

(Single Premium)

70 Years28 YearsAge at Maturity

(Last Birthday)

646

637

628

619

6010

Maximum entry agePolicy Term

Maximum entry age depends on the policy term18 YearsAge at Entry

(Last Birthday)

MaximumMinimumBasic Plan



Benefit Summary

Reliance Total Investment Plan Series

Investment

Flexibility

Tax Benefit

Premium u/s

80C of IT Act 1961

Maturity u/s

10(10D) of IT Act.

1961 (TIPS I

Insurance)

Invest any amount,

any time


7 Funds including 3

new sectoral funds

52 Free Switches

Every Year

Exchange Option -

TIPS I to TIPS II

Systematic Transfer

Plan

Easy

Liquidity

Partial

Withdrawal free

of charges! Under

TIPS I

Insurance

Low Cost

Allocation Charge

as low as 1% for

subsequent

purchases

Flexible Life

Cover

Ranging 1.25 to 5

Times of the

Single Premium

under TIPS I -

Insurance



Happy Selling


TIPS Sales Training

Documents

Transcript of TIPS Sales Training