Slide 1 - SRB INFOTECH

A Reliance Capital company

Reliance Automatic Investment Plan

Under this Plan, the Investment Risk in the Investment Portfolio is borne by the Policy Holder.

For Internal Communication Only

2


Reliance Automatic Investment PlanFor Internal Communication Only

I too want to profit from the bull run on stock markets like all others and…Take advantage of market volatility!!

I want an expert to manage my investments for me so that I make money faster minus the anxiety

I want full control over my investmentsIts my money ..so I decide where to put it I want to have the flexibility to

change my plan with changing lifestyle


I want a plan that does all the work while I relax

3



Introducing


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Offers your customers a solution, which adjusts automatically to their changing financial needs!!

5



Key Benefits: Only from Reliance Life Automatic Asset Allocation (Ready Made Plan) – Provides automatic switching of

funds to suit your changing risk profile with increasing age

Tailor Made Plan – You have the freedom to decide on your fund mix

STP - Systematic shift from low risk to equity funds, helps you to average out the cost

per unit

Unique Exchange Option to shift between specific ULIP Plans from RLIC (currently

allowed between Reliance Money Guarantee Plan and Reliance Automatic Investment

Plan)

Unmatched flexibility – Freedom to utilize as high as 52 free switches per policy year

Top-ups – Park your additional savings as top-ups (maximum top ups allowed is 25%

of total regular premium paid till date

6



Consumer Speak

“Tell me why should I invest in ULIPs” Because they offer transparent, market-linked returns

“I don’t know anything about finance market. How

do I make my investments and get better growth?”

Do not worry, the Plan has been designed by our

experts after a careful consideration of funds.

“Sounds fine, but what when my needs change as

I grow older?”

For that we have the Ready Made Plan. This

automatically changes the fund pattern as per your age.

“Will my money be invested in risky options? ”

OR “What if I do not want to invest in risky options

when I grow older?”

We realize that your risk appetite may change as you

grow older. The Ready Made Plan automatically takes care

of this by switching funds automatically as per your life

stage .

“I do not want any hassles of tracking the funds or

paperwork of switching”

No problem, the Ready Made Plan just comes handy,

because the plan takes care of switching the funds

automatically without you having to give any instructions.

7



Consumer Speak

“Wow! very interesting ,but maybe later I may

want to choose my investments myself. ”

No problem , we also have a Tailor Made Plan option ,In

which you can shift laterally between any of the funds

available under the Tailor Made Plan. You can even switch

from the Ready Made Plan option & tailor made plan

option if you desire later.

“What if my financial needs change & I like to buy

another plan of Reliance Life Insurance

company ?

We have the answer. For the first time in the industry

we provide the unique Exchange Option. You can

exchange in or exchange out from any other specified

Reliance Life ULIPs

8



Part IIMore Details

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Product Details1. Basic Plan Features

a) Policy Limits

b) Premium Modes

c) Life Cover Benefit

d) Maturity Benefit

e) Sum Assured

f) Surrender Value

2. Options Availablea) Ready Made Option

b) Tailor Made Option

c) Exchange Option

3. Other Benefitsa) Riders

b) Tax Benefits

4. Flexibility Availablea) Systematic Transfer Plan

b) Top up Payment

c) Partial Withdrawals

d) Switching Option

e) Settlement Option

f) Convenient Premium Payment Options

g) Premium Redirection

5. Charge Structure

6. Miscellaneous

7. Summary Snapshot

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Basic Plan Features

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Policy Limits

Basic Plan Minimum Maximum

Age at Entry 30 days65 years last birthday

Age at Maturity18 years last birthday

80 years last birthday

Policy Term 5 years 30 years

Life Cover begins only after the age of 12 years. (last birthday)

12



Types of plans based on premium payment

Regular premium Premium to be paid every year for the entire policy term

Minimum premium Rs. 10000 Annual Mode

Limited premium Premium paying term is minimum 5 years and in multiples of 5 years

Minimum premium Rs. 20000 Annual Mode

Single Premium Premium to be paid only once during the term, only at the start of the policy

Minimum premium Rs. 25000

13



Premium Payment Modes 4 Convenient Premium Payment Modes

Yearly

Half yearly

Quarterly and

Monthly

Premium can be paid by Cash, cheque, debit/credit card, ECS & direct debit

14



Premium Modes & Limits

ModeMinimum Premium (Rs.)

Regular Premium Limited Premium

Yearly 10,000 20,000

Half-yearly 5,000 10,000

Quarterly 2,500 5,000

Monthly 1,000 2,000

Single Premium 25,000

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Life Cover Benefit

Age Death Benefit payable

Less than 12 years Fund value

Above 12 years Higher of…

Age above 12 years, but below 60 years

Sum Assured less all partial withdrawals made in last 24 months

Fund Value

Above 60 years

Sum Assured less all partial withdrawals made after age 58 years

Fund Value

Life Cover begins only after the age of 12 years. (last birthday)

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Maturity Benefits

Fund Value as on date of maturity

The policy terminates on payment of the maturity benefit.

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Minimum Sum Assured for Regular/Limited Premium policies

Higher of: 5 times the annual premium OR Half of term multiplied by annual premium

Minimum Sum Assured for Single Premium policies

For single premium option, the minimum sum assured is 125% of the single premium amount

Maximum Sum Assured

No Limit

Sum Assured

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Options Available on Discontinuance of Premiums

Premium payment discontinued within 3 years of policy inception

Insurance cover ceases immediately. Policyholder can revive the policy within 3 years’ revival period During the revival period applicable charges (except mortality

charges) are deducted by cancellation of units If the policy is not revived, then applicable surrender value, if any, is

paid at the end of the revival period.

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Options Available on Discontinuance of Premiums (contd) Premium payment discontinued after paying at least 3 full years premiums:

Life cover continues, by deducting the applicable mortality charges.

Riders are discontinued

Policyholder can revive the policy within 3 years’ revival period

If within the revival period, the account value falls below the amount of annual premium, the account value is paid and policy is terminated.

If the policy is not revived, then with the consent of the policyholder, the policy is kept in force (by deducting the appropriate charges) until such time the unit account value does not fall below an amount equal to one annual premium.

At this point the unit account value is paid to the policy holder and the policy is terminated.

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Options Available

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Two Plan options

Ensures safety of investments as your risk appetite reduces with increasing age Three prepackaged funds available as per age bands Fund switch is automatic as you move from one age band to anotherWith growing age equity exposure is reduced Flexibility to switch to Tailor Made Plan option

Ready Made Option

The fund mix changes automatically with changing life stage

We manage your money while you relax

Automatic Asset Allocation

80

50

20

20

50

80

0

20

40

60

80

100

120

0 - 40 41 - 60 61 & Above

Age

%

Equity Debt

Fund A Fund B Fund C

Expert fund manager to manage the fund on your behalf

Hassle free investment management

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Ready Made Plan – Fund Option

Fund

NameInvestment Objectives

Asset

Category

Asset

Allocation

Range (%)

Target (%)

Fund A

High real rate of return in

The long term through

High exposure to equity

investments

Money Market

instruments 0 – 40 0

Debt Securities

Such as gilts,

Corporate debt

excluding

Money market

instruments.

0 – 100 20

Equities 0 – 80 80

This fund is for the band of 0-40 years of age. This fund is customized to the general risk appetite during this period.

High Risk Appetite

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Fund

NameInvestment Objectives

Asset

Category

Asset

Allocation

Range (%)

Target (%)

Fund B

Significantly higher returns

In the long term, through

High exposure to equity

investments.

Money Market


Debt Securities

such as gilts,

corporate debt

excluding Money

Market

instruments.

0 – 100 50

Equities 0 - 50 50

This fund is for the band of 41-60 years of age. This fund is customized to the general risk appetite during this period.

Moderate to High Risk

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Fund Name Investment ObjectivesAsset

Category

Asset

Allocation

Range (%)

Target (%)

Fund C

Returns that exceed the

Rate of inflation in the

long term while

maintaining moderate

probability of negative

Returns in the short term.

Money Market


Debt Securities

Such as gilts,

Corporate debt

excluding

money market

instruments.

0 – 100 80

Equities 0 - 20 20

This fund is for the band of over 61 years of age. This fund is customized to the general risk appetite during this period.

Moderate Risk

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Two Plan options

Decide your own fund mix with this option Full flexibility to decide your asset mix depending on your risk appetite Offers 4 funds - Money Market, Gilt ,Corporate Bond & Equity Fund Allocate your premium in all or any one fund in ANY proportion* Take 100% equity to maximize returns or diversify your basket 52 free switches in a year Flexibility to switch to Ready Made Plan option

Tailor Made Option

* Except for Money Market fund where max allocation is 40% of premiums at any time

Flexibility to switch between the two plan options 52 times a year, free of cost

You have the freedom to decide on your fund mix

You control your investments & benefit from it

Money Market (20%)

Gilt (25%)

Corporate Bond (30%)

Equity (25%)

Gilt (50%)

Equity (50%)

Initial Allocation New Allocation

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Tailor Made Plan – Fund OptionFund

NameInvestment Objective Asset Category

Asset Allocation Range (%)

Target (%)

Money

Market

The capital value of all

contributions (net of charges) and

All interest additions. Money Market

instruments100 100

Gilt


inflation rate, without taking any

credit risk (sovereign risk only)

and maintaining a low probability

of negative return over short term.

Central Government

Securities0 – 100 80

Other government

securities

including securities

With unconditional

Central Government

guarantee

0 – 40 20

Money Market

instruments 0 - 40 0

These are low risk - moderate return funds

Low Risk

Low to Moderate Risk

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Tailor Made Plan – Fund Option

Fund


Asset

Allocation

Range (%)

Target (%)

Corporate

Bond


Inflation rate, while taking

some credit risk (through

investments in corporate

debt instruments) and

Maintaining a

Moderate probability of

Negative return over short

term.

Corporate bonds/

debentures and

Other debt

instruments

0 – 100 100

Money Market


This is a moderate risk - moderate return fund

Low to Moderate Risk

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Tailor Made Plan – Fund Option

Fund


Asset

Allocation

Range (%)

Target (%)

Equity

High real rate of return in the

Long term through high

exposure to equity

investments, while

recognizing that there is

Significant probability of

negative returns in the short

term.

Equities 0 – 100 100

Money Market


This is a high risk – high return fund

High Risk

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Exchange Options Customers can take benefit under existing plan and use it to purchase

specified Unit Linked Plan from Reliance. This option must be exercised at least 30 days before the receipt of benefit

under the policy.

The Key Advantage - Reduced allocation charges in the first year.

The Two Options Exchange from Reliance Automatic Investment Plan into Reliance Money

Guarantee Plan

Exchange into Reliance Automatic Investment Plan from Reliance Money Guarantee Plan

This option can be selected any time on completion of three policy years.

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Other Benefits

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Rider Benefit Accidental Death & Accidental Total and Permanent Disablement benefit rider Term Life Insurance Benefit rider

Rider benefits are available only with regular and limited premium payment

policies. For limited premium policies the rider benefits will be available

During the premium paying term only.

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Tax Benefit* Premiums paid are eligible for tax deduction under section 80C of the Income

Tax Act 1961 Withdrawals are eligible for tax benefit under Section 10(10D) Death Benefit are tax free under Section 10(10D)

* For details, please refer your tax consultant

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Flexibility Available

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Systematic Transfer Plan - Benefit from a volatile market

• A procedural shift from a low risk investment in to equities

• The initial amount is invested in the Gilt fund

•25% of units transferred to equity fund every week for equivalent fund value

• In effect your average unit cost comes down

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Systematic Transfer Plan – How you can benefit from it

Investment Value Unit Price No. of units

12,500 10 1250.0

12,500 11 1136.4

12,500 10 1250.0

12,500 9 1388.9

50,000 5025.3

Average Unit Cost

Average Sale Price

9.9

10.0

Although the average sale price is Rs 10 {(10+11+10+9) =40/4} = 10.The average cost per units is Rs 9.9 {(50000/5025.3) = 9.9}.STP helps buy more units when the price is low and fewer units when the price is high and hence your average cost per unit Rs 9.9 remains below the average sale price of Rs 10.

The premium is allocated towards equity funds in 4 installments (once every week)

This helps you to take advantage from rupee-cost averaging

Consider the following table - If STP option is not selected the total units would have been 5000 units.

Fund Value If STP option is selected = (5025.3*9)= Rs 45227.3.

Fund Value If STP option is not selected = (5000*9)= Rs 45000

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Top-up Payments Helps the customer to increase the investments

Top-ups allowed only if all the premiums till date are paid

Maximum top-up allowed is 25% of the total regular premiums paid till date (i.e. sum of all top-ups paid cannot exceed 25% of total regular premiums paid till date)

For example: If regular annual premium is Rs. 10000, and one top-up of

Rs. 4000 is made in the 2nd policy year; Then in the fourth policy year, maximum top-up allowed is

25% of Rs. 40000 (total of regular premium paid for 4 years) less Rs. 4000 (earlier top-up made)

Thus maximum top-up allowed in this case would be Rs. 6000

Minimum top amount allowed is Rs.2500

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Easy Liquidity – money when you need it the most

• You can make partial withdrawal from your basic plan after 3 years and without any charges from 6th year onwards

• You can also make partial or full surrender from your top-up account without any charges after three years from the payment of such top-ups

• Better alternative than banks FDs which are taxable

• All partial withdrawals are tax free

38



Withdrawals Are not allowed until the life assured completes 18 years

of age.

Partial Withdrawals Are allowed anytime after 3 years

Policy continues to remain in force

Withdrawal charges are equal to surrender charges

Sum Assured will be reduced to the extent of partial withdrawals made in the past 24 months

Total Withdrawals i.e. Surrender Allowed anytime after 3 years

Policy ceases after surrender

39



Switching Option Available between

Tailor Made Plan option & the Ready Made Plan option

The funds under Tailor-made Plan option

When switching from Tailor Made Plan to Ready Made Plan, the fund option will depend on the age last birthday and the corresponding age band.

When switching from Ready Made Plan to Tailor Made Plan, the policyholder, can decide his own fund mix.

52 switches in any policy year are free.

Any additional switch will be charged Rs. 100 per switch.

40



Settlement Options Maturity proceeds can be withdrawn in periodic installments within 5 years

No Life Cover Benefit will be available during this period.

Fund C will apply by default during the settlement period.

41



Premium Redirection Available only for Tailor-made plan

A written instruction to redirect all future premiums in an alternative proportion to the various unit funds.

Redirection will not affect the allocation of premium(s) paid prior to the request.

42



Charge Structure

43



Allocation charges

Allocation charge

Premium grid

(Rs. 000)

Reliance Auto Invest Plan (5 years)

Reliance Auto Invest Plan (greater than 5 years)

Year 1

10 to 25 9.25% 25%

25 to 50 8.50% 22.5%

50 to 150 7.75% 20%

150 to 1500 7.00% 17.5%

1500 to 2500 6.25% 15%

2500 & above 4.75% 10%

Year 2 5% 5%

Year 3 5% 5%

Year 4 + 5% 5%

Top-up 2% 2%

44



Fund Management Charge

Ready Made Plan

Fund Name Annual Rate

Fund A 1.45% p.a.

Fund B 1.38% p.a.

Fund C 1.30% p.a.

Tailor Made Plan

Fund Name Annual Rate

Money Market 1.25% p.a.

Gilt 1.25% p.a.

Corporate Bond 1.25% p.a.

Equity 1.50% p.a.

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Surrender & Partial Withdrawal Charges Apply on Fund Value at the time of surrender or partial withdrawal

No charges on surrender or partial withdrawal under top-ups and under single premium policies.

Year of Surrender

Surrender Charge/Partial WithdrawalCharge as a percentage of Fund Valueof basic policy /Fund Value withdrawnon partial withdrawal

1 - 3Surrender Value/ partial withdrawal value not available

4 5%

5 3%

6 & above Nil

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Other Charges Under The Policy

Policy Administration Charge: Rs. 40 per month per policy.

Mortality Charge : Based on the applicable mortality table Charged on the difference of fund value and sum assured (sum at risk) Charged on monthly basis, by cancellation of units

Miscellaneous Charge: Rs. 2 per 1000 sum assured will be collected on inception of the policy.

Switching Charge: Rs.100 for every switch after the 52 free switches

Charge for Systematic Transfer Plan (STP) Option: No charge, when the facility is requested for the first time. Subsequent requests charged at Rs. 100 No charge for cancellation of STP

47



Other Charges Under The Policy Premium for Rider Benefits

Will be collected over and above the premium under Base Plan.

Service Tax Charge Applicable on mortality charges and the rider premium.

Currently the service tax is @ 12.24%

Decided (and can be revised) by the Government of India

Currently service tax is absorbed by RLIC

In future, RLIC may decide to pass on the service tax to the customer

48



Automatic Investment Plan – Competitive Advantage Product Feature Reliance

Automatic Investment

Plan

ICICI Pru

Life Time Super

Bajaj Allianz

New Unit Gain

HDFC SL

UL Endowment/ Young Star

Birla SunLife

Flexi Save Plus

SBI Life

Horizon II

The Reliance


Plan Advantage

Life Stage based plan

Yes No No No No Yes A plan that does all while

you relax

Free Switches 52 4 3 24 2 0 Highest number of

free switches

Switching Charges 100

(from 53rd switch)

100 - 100 100 NA Nominal switching

charges, at par with

competition

Ready-made/Tailor-made plan option

Yes No No No No No Only plan to offer investment fund options catering to risk averse and risk lovers

Systematic Transfer Plan

Yes No No No No No Only plan to offer STP option. Take advantage of rupee-cost averaging

49



Automatic Investment Plan – Competitive Advantage Product Feature Reliance


Plan

ICICI Pru

Life Time Super

Bajaj Allianz

New Unit Gain

HDFC SL


Birla SunLife

Flexi Save Plus

SBI Life

Horizon II

The Reliance


Plan Advantage

Exchange Option Yes No No No No No Only plan to offer Exchange with another UL Plan - RAIP

Funds Offered 7 4 6 6 3 3 Maximum number of funds to

choose from

Top-ups Yes No Yes Yes Yes Yes Recognizes the strong consumer demand for top-ups

Partial Withdrawals

Yes Yes Yes Yes Yes Yes Enables Liquidity. Withdrawals from top-ups are free

Surrender Charge Till 5th year Till 4th year Till 3rd year Till 3rd year Till 4th year Entire policy term

Low exit charge

50



Automatic Investment Plan vis-à-vis Competition - Common Features

Feature Reliance Automatic Investment

Plan

ICICI Pru

Life Time Super

Bajaj Allianz

New Unit Gain

HDFC SL


Birla SunLife

Flexi Save Plus

SBI Life

Horizon II

LIC – Money Plus

Premium Holiday

Available Available Available Not Available Not Available

Available Available

Riders Term Insurance

ADT/PD

ADDB;

Critical Illness;

Waiver of Premium;

ADB, APT/PD;

Critical Illness;

Hospital Cash; Mahila Gain;

Term;

Critical Illness;

Waiver of Premium;

ADB;

ADD;

Critical Illness;

Waiver of Premium;

CI for women;

Accident Benefit & Critical Illness Benefit

Accident Benefit & Critical Illness Benefit

Revival Period

3 2 2 2 2 5 2

Min Premium (Rs)

10000 18,000 10000 10000 10000 5000 5000

FMC 1.25% to 1.4%

0.75% - 2.25%

0.95% to 1.75%

0.8% 1% 0.25% to 1.5%

1% to 1.75%

Top-up Charges

2% Not allowed 2% 2% 2% 1% Not allowed

Min/Max entry age

30 days/ 65 years

0/65 years 0/60 years 18/65 yrs 30 days/60 yrs

0/60 years 0/65 years

51



Allocation charges on Reliance Automatic Investment Plan

Allocation charge

Premium grid

(Rs. 000)

Reliance Automatic Investment

Plan (5 years)

Reliance Automatic Investment

Plan * (greater than 5 years)

ICICI Pru

Life Time Super

Bajaj Allianz

New Unit Gain

HDFC SL


Birla SunLife

Flexi Save Plus

SBI Life

Horizon II

Year 1

10 to 25 9.25% 25% 20% 71.5% 30% 29.9% to 65% 15%

25 to 50 8.50% 22.5% 20% 71.5% 30% 29.9% to 65% 15%

50 to 150 7.75% 20% 18% 71.5% 30% 29.9% to 65% 15%

150 to 1500 7.00% 17.5% 18% 71.5% 30% to 10% 29.9% to 65% 15%

1500 to 2500 6.25% 15% 18% 71.5% 5% 29.9% to 65% 15%

2500 & above 4.75% 10% 18% 71.5% 5% 29.9% to 65% 15%

Year 2 5% 5% 7.5% 7% same as year 1 5% to 7.5% 10%

Year 3 5% 5% 4% 6% 1% 5% to 7.5% 10%

Year 4 + 5% 5% 4% 5% 1% 5% 5%

Top-up 2% 2% Not allowed 5% 2.5% yr 1& 2, 1% thereafter

2% 1%

Cost Competitive but Customer Value more relevant than just cost*For Term > 5

52



Allocation Charges

Reliance Life offers a discounted allocation charge for higher premium slabs Reliance Automatic Investment Plan allocation charges are lower than ICICI Prudential & Birla SunLife. Reliance Automatic Investment is better than HDFC for lower premium slabs. SBI Life charges lower but charges apply for a longer duration which make Reliance Automatic Investment Plan cheaper in comparison

Fund Management Charges (FMC)

Reliance Automatic Investment Plan is cheaper than ICICI Prudential & Bajaj Allianz on FMC Comparable with SBI Life

Reliance Automatic Investment Plan – 1.25% to 1.5% ICICI Prudential – 0.75% to 2.25% HDFC Standard Life – 0.8% SBI Life – 0.25% to 1.5% Bajaj Allianz – 0.95% to 1.75%Birla SunLife – 1%

53



Reliance Automatic Investment Plan Value Equation

Feature Reliance Automatic

Investment Plan

Reliance Life - MRP

ICICI Pru

Invest Shield

Life

Birla Sun Life Flexi Save

Plus

HDFC

Youngstar

Bajaj Allianz – Unit Gain

Premium 25000 25000 25000 25000 25000 25000

Sum Assured 125,000 125,000 125,000 125,000 125,000 125,000

Term 10 10 10 10 10 10

Maturity value @ 10% 362670 362581 357245 345823 365068 335242

IRR 6.67% 6.66% 6.40% 5.47% 6.78% 5.28%

Allocation Charge as % of Premium paid

7% 6.5% 7.4% 11.5% 6.8% 12%

NPV charges 13917 12738 15737 24432 15132 25539

Assumption: The above illustration if for an individual aged 30, term 10 years.

On IRR/NPV combined basis Reliance Automatic Investment Plan offers more value to our customers

Along with MRP, we have two of the strongest ULIP products in the market

54



Miscellaneous

55



By Default… In case no plan option has been opted for, the plan option by default will be

Ready Made Plan option.

If Tailor-made Plan is selected and no fund has been opted for, the allocated premiums shall by default be invested in the Gilt Fund Option.

56



Summary Snapshot

57



Reliance Automatic Investment Plan – At a GlanceKey Benefits

Automatic Asset Allocation Asset Allocation according to your risk at a particular age

Systematic Transfer Plan Helps to average out the cost of units

Exchange Option Option to move between in and out of specific Reliance Life ULIP

Other Benefits

Fund options Choice of 7 carefully designed funds

Riders Accident Death & Disability and Term Riders

Tax Benefit Under section 80C and 10(10D)

Unmatched Flexibility

Top Ups Can be used to increase the investment component in the policy

Partial Withdrawals Provides liquidity in case of need

Switching Options Flexibility to switch between funds

Premium Redirection To change fund configuration for future premiums

Settlement Options Keep the money invested and receive in installments

Premium payment Options Flexibility to pay premiums in over different modes

58



When to Pitch Which Option Explain to the prospect that both are attractive options

If prospect is knowledgeable about the market and has the ability and willingness to take informed decisions on choice of fund, switches, relative allocation to each fund then they can go for Tailor-made option.

In case the prospect is not knowledgeable, or would not like to devote time and effort to track the same, it can be left to the Fund Managers of RLI – i.e. he could opt for the Ready-made option where the fund mix is predetermined.

59



Things to Remember… Top-ups limited to 25% of the premiums paid to date, so it doesn’t impact the

Sum Assured. In case of Partial Withdrawals, one annual premium should be retained as

balance in the policy. Partial Withdrawals are allowed three years from inception. The 52 switches are not weekly, they can be used as and when the policy

holder wishes. In case of the Limited Premium Option, the premium paying term can be

chosen as 5 years or periods in multiples of 5. The Exchange Option can be used only with reference to another specified

ULIP plan. In case of the STP option, if the market is closed on the 7th, 14th, 21st.or the

28th of the month, the investment in the equity fund is done on the next working day.

Returns are not guaranteed.


Thank You!!

Business

Slide 1 - SRB INFOTECH