The document discusses an endowment plan called InvestGain that provides life insurance protection and savings for various future financial goals. It has 4 plan options with increasing death benefits and offers low cost riders for additional accident and critical illness coverage. The plan allows paying premiums for a limited period and provides benefits like family income in case of death or disability. Examples illustrate how the riders enhance the basic policy's coverage.

3. Savings to meet anticipated expenses in future What are your anticipated expenses in future? Money for your child’s higher education Money for your child’s Marriage Money for buying a new house/car Money to spend for your retirement years

4. Changing needs in life Starting a job Single individual Just Married Birth of a child Kids going to school college Needs: Low Protection Savings & Wealth creation Needs: Savings & wealth creation Needs: Planning for children’s education, marriage Needs: Money for retirement Money for buying assets Children independent Reaching golden years Needs: Preserving wealth

7. How Endowment Plan Works The maturity proceeds can be used to finance child’s education The maturity proceeds can be used to finance child’s Marriage The maturity proceeds can be used to buy a new house/car The maturity proceeds can be spend on a leisure tour or for retirement. You pay premium during the Term & you enjoy Protection You start when are are young You plan your maturity based on your anticipated expenditures Benefits of Protection can be used for sustaining family income, and providing for other unforeseen incidents

8. Endowment vs other savings instruments

11. USP – Highest Death Benefit Economy – On Death, SA + Bonuses payable Gold – On Death, Double SA + Bonuses payable Diamond – On Death, Triple SA + Bonuses payable Platinum – On Death, Quadruple SA + Bonuses payable Maturity Benefit is same for all 4 plans Highest Death benefit available with endowment in the market.. Our USP

12. USP – High Risk Cover at Lowest Cost Cheapest term Cover Rates for Male Age 30, Term 30, RP 8,900 for ADDITIONAL RISK COVER OF 30,00,000 33,020 40,00,000 PLATINUM 5,900 for ADDITIONAL RISK COVER OF 20,00,000 30,020 30,00,000 DIAMOND 3,000 for ADDITIONAL RISK COVER OF 10,00,000 27,120 20,00,000 GOLD Not Applicable 24120 10,00,000 ECONOMY DIFFERENCE IN PREMIUM W.R.T ECONOMY ANNUAL PREMIUM RISK COVER PACKAGE

13. Power of Limited Pay FOR 5-9 YRS TERM YOU CAN PAY 2 OR 3 YRS FOR 10-14 YRS TERM YOU CAN PAY 2,3, OR 5 YRS FOR 15-19 YRS TERM YOU CAN PAY 2,3, 5,7 OR 10 YRS FOR 20-24 YRS TERM YOU CAN PAY 2,3, 5,7 10 OR 12 YRS FOR 25 YRS &ABOVE YOU CAN PAY 2,3,5,7,10,12 OR 15 YRS CHOOSE HOW LONG TO PAY

14. Power of Limited Pay Male Aged 30, Term 30, Sum Assured Rs10,00,000 IG Economy Savings of 51% 358600 365000 73000 723600 24120 YOU SAVE TOTAL PREMIUM OUTGO LIMITED PREMIUM 5 YRS TOTAL PREMIUM OUTGO REGULAR PREMIUM

17. Family Income Benefit (FIB) 18 50 can be bought between Age 18 and Age 50 70 FIB NA in case of TPD after age 65 65 FIB payment cannot exceed calculated Age 70 FIB payable till the end of TERM Or for 10 years, whichever is higher In case of Death and TPD WoP kicks in for TPD

18. Family Income Benefit Avail of a great benefit at a nominal extra premium. Regular Premium Option - Age 30, Term 30, Sum Assured 10 lakhs

32. Difference in Premium 10.2% 17598 FIB 34.5% 20.0% 4.6% Difference in premium 21478 19172 16710 15970 Premium Total Health CAP Economy Package (Age 30, SA 500,000, PPT= 25) InvestGain