2 3

Key benefits

With Reliance Nippon Life Immediate Annuity Plan

1.Convert your earnings in to

regular income

2.Get regular

income (Annuity) for

your entire life

3.Leave behind a legacy for your family

4.Live life to the

fullest even after retirement

5.Receive tax

benefits

FLEXIBILITY• ChooseyourAnnuityfrom3differentannuitypayoutoptions

oLifeAnnuity oLifeAnnuitywithReturnof

purchaseprice oLifeAnnuityguaranteedfor5,10

or15yearsandpayableforlifethereafter

• SelectyourAnnuitypayoutfrequency-Monthly,Quarterly,Half-yearlyorAnnually

ONE TIME PAYMENTPaypremiumonlyonce.

WHOLE LIFE GUARANTEED

INCOMEGetguaranteedwholelife

income(Annuity).

EASE OF ENROLLMENT

Nomedicaltestsrequired.

TAX BENEFITSEnjoytaxbenefitsonthepremiumspaidandbenefitsreceived,asperapplicable

IncomeTaxLaws.

Reliance Nippon Life Immediate Annuity PlanAnon-linked,non-participating,AnnuityPlan

Worriedabouthowtoinvestyourhardearnedmoneypostretirement?

Convert your lump sum/corpus in to regular income for life. It’s likegiftingyourselfaregularincomeinthefuture.

RelianceNipponLifeImmediateAnnuityPlanhelpsyouearnaregularincomeforyourentirelife.ThisisaSinglePremiumplanwhereyoupayalumpsumpremiumamount,andoptforasuitableAnnuityOptionasperyourrequirements.BasedontheoptedAnnuityOptionandselectedpayoutfrequency,youstartreceivingregularAnnuityincome.

Who says I am retired, I gifted myself a salary for life.

Reliance Nippon Life Immediate Annuity PlanGetguaranteedincomeforyourwholelife*.

Over 1 Crore lives insured1 | Over 8,000 outlets2 | Top 3 Most Trusted Life Insurance Brand3 | 95.01% Claim Settlement Ratio4

reliancenipponlife.com

*Conditionsapply.

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How does the plan work?

Let’s take an exampleMr.Mohan, aged 60 years, opts forRelianceNippon Life ImmediateAnnuityPlanand,

SelectsAnnuityoption-LifeAnnuitywithreturnofpurchasepriceondeathandchoosestheAnnuitypayoutfrequency

Paysonetimepremiumof`5,00,000p.a.(excludingServiceTax)

Receivesguaranteedmonthly incomeof`2,371p.m. (i.e.,`28,455p.a.)

Enjoysregularmonthlyincomeforwholeoflife

AssumingthatMr.Mohandiesattheageof80years,thetotalincomehereceivestillhisdeathis`5.7lakh

HisnomineereceivesthePurchasePriceof`5lakh-(PremiumpaidexcludingServiceTax)aslumpsumdeathbenefit

Reliance Nippon Life Immediate Annuity Plan at a glance

Parameters Minimum Maximum

Age at Entry (Years) 20(lastbirthday) 80(lastbirthday)

Purchase Price `1,00,000/-(Excluding

ServiceTaxandEducationCess)

NoLimit

Annuity Installment `1,000 NoLimit

Annuity Payout Modes Monthly,Quarterly,Half-yearlyandAnnually

Benefits in detail

Income Benefit *FixedAnnuityamountswillbepaidonthesurvivalofthepolicyholderasspecifiedinthepolicyscheduleandbasedontheAnnuityoptionchosen.TheAnnuityoptiononcechosencannotbechanged.

Maturity Benefit InthisplannoMaturityBenefitispayable.

Death Benefit In the event that the policyholder has opted for plan option – LifeAnnuitywithReturnofPurchasePrice,ondeathofthepolicyholder,thePurchasePrice(premiumamountlessServiceTaxcharges)ispaidout to theNominee,No death benefit is payable for other Annuityoptions.

*Note: Change of Annuity option is not allowed once the Annuityoptionischosenbythepolicyholder.

Annuity payout options

Life Annuity

Annuityispaidthroughoutthelifeofthepolicyholder.Ondeathofthepolicyholder,policyisterminatedandnobenefitisgiventhereafter.

Life Annuity with return of Purchase Price Annuityispaidthroughoutthelifeofthepolicyholder.Ondeathofthepolicyholder, thePurchasePrice (premiumamount lessServiceTaxcharges)ispaidtotheNomineeofthepolicyholderandthepolicyisterminated.

Life Annuity guaranteed for 5, 10 or 15 years and payable for life thereafter Annuityispaidthepolicyholderforaguaranteedperiodof5,10or15years (aschosenbythepolicyholderat inceptionofthepolicy)andthereafterforlifeofthepolicyholder.

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Intheeventofdeathofthepolicyholderduringtheguaranteedperiod(of5,10or15years),AnnuityispaidtotheNomineetilltheguaranteedAnnuitypayoutperiod.Thereafter,thepolicyisterminated.

IncaseofdeathofthepolicyholderaftertheguaranteedAnnuitypayoutperiod,policyisterminatedandnobenefitsarepayablethereafter.

Premium Payment Mode OnlySinglePremiumpaymentmodeisallowedunderthisplan.

Annuity Payout Frequency Theannuitycanbepaid inYearly,Half-yearly,QuarterlyorMonthlyinstallments,subjecttoaminimumof`1,000/-perinstallmentforanyfrequency.

Annuity Rates TheAnnuityRatesmayberevisedfromtimetotime.Pleaseaskforthe latestAnnuityRatesat thetimeofpurchasingtheannuityplan.Oncetheannuityisbought,theratesremainguaranteedforlife.

Other features

Riders ThereisnoRideravailablewiththisplan.Theplanoffers

Surrender ThispolicycannotbesurrenderedandhasnoSurrenderValue.

Withdrawal/Partial Withdrawal Withdrawalsarenotallowedunderthisplan.

Terms and Conditions(T&C)

1. Loan Loanfacilityisnotavailableundertheplan.

2. Tax Benefit PremiumpaidunderRelianceNipponLife ImmediateAnnuityPlaniseligiblefortaxdeduction,subjecttotheapplicabletaxlawsandconditions. IncomeTax benefits under the IncomeTax Laws aresubjecttoamendmentsfromtimetotime.Kindlyconsultataxexpert.

3. Service Tax The ServiceTax and applicable cess will be charged as per theapplicableratesdeclaredbytheGovernmentfromtimetotime.TheServiceTaxonthebasepremiumswillbecollectedoverandabovethebasepremiums,alongwiththebasepremiums.

4. Taxes levied by the Government in future Infuture,theCompanymaydecidetopassonanyadditionaltaxesleviedbytheGovernmentoranystatutoryauthoritytothepolicyholder.Wheneverthecompanydecidestopassontheadditionaltaxestothe policyholder, themethod of collection of these taxes shall beinformedtoyou.

5. Suicide Exclusion IftheLifeAssured,whethersaneorinsane,commitssuicide: TheCompanywillpaythePurchasePriceifthepolicyholderoptsfortheAnnuityoption–“LifeAnnuitywithreturnofPurchasePrice”atthetimewhenannuityisbought.Inallotheroptions,nopaymentwillbemade.

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6. Free Look Period Intheevent,youdisagreewithanyofthetermsandconditionsofthispolicy,youmaycancelthispolicybyreturningthePolicyDocumenttotheCompanywithin15days(applicableforalldistributionchannelsexcept for Distance Marketing* channel, which will have 30 days)ofreceivingit,subjecttostatingyourobjections.TheCompanywillrefundthepremiumspaidbyyoulessadeductionoftheproportionateriskpremium for the time that theCompanyhasprovided you lifecoveruptothedateofcancellationandfortheexpensesincurredbytheCompanyandstampdutycharges.

*DistanceMarketing includeseveryactivityofsolicitation(includingleadgeneration)andsaleofinsuranceproductsthroughthefollowingmodes:

i. Voicemode,whichincludestelephone-calling

ii ShortMessagingServices(SMS)

iii.Electronicmode which includes e-mail, internet and interactivetelevision(DTH)

iv.Physicalmodewhichincludesdirectpostalmailandnewspaperandmagazineandinserts

v. Solicitation through anymeans of communication other than inperson

7. Nomination and Assignment Nomination,asdefinedunderSection39oftheInsuranceAct1938,will be allowed under this plan. Assignment is not allowed underthisplan.

8. Section 41 of the Insurance Act, 1938, as amended from time to time

(1)Nopersonshallalloworoffertoallow,eitherdirectlyorindirectly,asaninducementtoanypersontotakeorreneworcontinueaninsuranceinrespectofanykindofriskrelatingtolivesorpropertyinIndia,anyrebateofthewholeorpartofthecommissionpayableoranyrebateofthepremiumshownonthePolicy,norshallanypersontakingoutorrenewingorcontinuingaPolicyacceptany

rebate,exceptsuchrebateasmaybeallowedinaccordancewiththepublishedprospectusesortablesoftheinsurer.

(2)Anypersonmakingdefault incomplyingwith theprovisionsofthissectionshallbeliableforapenaltywhichmayextendtotenlakhrupees.

Mktg/IAPBrochure/V2/English/September2016.

CIN:U66010MH2001PLC167089.UINforRelianceNipponLifeImmediateAnnuityPlan:121N012V02

Beware of spurious phone calls and fictitious/fraudulent offers.IRDAIclarifiestopublicthat1.IRDAIoritsofficialsdonotinvolveinactivitieslikesaleofanykindofinsuranceorfinancialproductsnorinvestpremiums.2.IRDAIdoesnotannounceanybonus.Publicreceivingsuchphonecallsarerequestedtolodgeapolicecomplaintalongwithdetailsofphonecall,number.

Taxlawsaresubjecttochange,consultingataxexpertisadvisable.Thisproductbrochuregivesonlythesalientfeaturesoftheplananditisonlyindicativeofterms,conditions,warrantiesandexceptions.Thisbrochureshouldbereadinconjunctionwiththebenefitillustrationandpolicyexclusions.Forfurtherdetailsonalltheconditions,exclusionsrelatedtoRelianceNipponLifeImmediateAnnuityPlan,pleasecontactourinsuranceadvisors.TradelogodisplayedabovebelongstoAnilDhirubhaiAmbaniVenturesPrivateLimited&NipponLife InsuranceCompanyandusedbyRelianceNipponLife InsuranceCompanyLimitedunder license. 1Since inception. 2Includesagentofficesandpremiumcollectionoutlets. 3Votedasoneof the ‘MostTrustedBrands’intheLifeInsurancecategoryaccordingtoBrandEquity’sMostTrustedBrandsSurvey,2015.4Theclaimsettlementratioof95.01%fortheFY2015-16isarrivedatasapercentageofthetotalnumberofclaimssettledandtotalnumberofclaimdecisionedbytheCompanyduringtheyear.**VotedasoneofthetopcorporatebrandsaccordingtoTheEconomicTimesBestCorporateBrandsSurvey,2015.

Reliance Nippon Life Insurance Company Limited (formerly known as Reliance Life Insurance Company Limited) (IRDAIRegistrationNo.121)

Email usrnlife.customerservice@relianceada.com

Visit uswww.reliancenipponlife.com

Like us on Facebookwww.facebook.com/RelianceNipponLifeInsurance

Follow us on Twitter@relnipponlife

Corporate Office RelianceCentre,

OffWesternExpressHighway,SantacruzEast,Mumbai-400055.

Call us:(022)30338181(Localcallchargesapply)or180030008181(TollFree)between9amto6pmfromMondaytoSaturday

Fax No+912233035662

Registered Office HBlock,1stFloor,DhirubhaiAmbani

KnowledgeCity,NaviMumbai,Maharashtra-400710,India.