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SYNERGY SUPER GRAND MILLE LEAGUE

SYNERGY LIFE LINE SOLUTIONS

(The insurance division of Synergy Solutions Group)

PRESENTS

THE REFERRAL EXTRAVAGANZA SYNERGY SUPER GRAND MILLE LEAGUE - SSGML

Version 09.04.2012
Terms & Conditions apply. The SSGML offer products are subject to change. Please refer to product brochure for complete details.

SYNERGY SUPER GRAND MILLE LEAGUE - SSGML THE OFFER PRODUCTS

(1) AEGON RELIGARE GUARANTEED INCOME PLAN (2) TATA AIG - MAHA LIFE GOLD (3) MET LIFE GUARANTEED MONTHLY INCOME PLAN (4) AVIVA LIFE INSURANCE - DHANA VRIDDHI (5) BIRLA SUN LIFE - BACHAT ENDOWMENT / MONEY BACK PLANS (6) BIRLA SUN LIFE VISION PLAN (7) KOTAK LIFE INSURANCE - ASSURED INCOME PLAN

TOP Products Features NO 1 Product Aegon religares guaranteed income plan

(Guaranteed Returns Upto 85 years of age)

Limited premium payment term, pay premiums only for 10/15/20 years. Guaranteed annual income of 7.5% on the sum assured till age 85(policy holders age) Receive lumpsum amount at the end of the policy payment term(10/15/20 years) Also receive guaranteed annual income upto age 85 from the end of the premium payment term. Guaranteed life cover till age 85. On maturity receive one more lumpsum amount. Rider Benefits available. Entry Age:- Minimum - 20 years, Maximum 50/55 years. Tax benefit under Sec 80C upto Rs.100,000 as per current income tax rules** Returns are Tax-Free u/s 10(10D) as per current income tax rules **

Terms & Conditions apply. The SSGML offer products are subject to change. Please refer to product brochure for complete details.

TATA AIG MAHA LIFE GOLD Product No 2

(Guaranteed Returns Upto 100 years of age Guaranteed Whole Life Plan)

Pay premiums for 15 years only Guaranteed Annual Income upto age 100 from 10th policy anniversary @ 5% of Sum Assured (The Sum Assured(SA) for a healthy 26 year male for Rs. 1 lacs Annual Premium is approximately Rs. 11,00,000). The Guaranteed Annual Coupon from 10th Policy year is 5% of Rs. 11,00,000/(Sum Assured) Rs. 55,000 per annum. Liquidity through non guaranteed cash dividends* from 6th policy anniversary onwards Risk cover till age 100 Rider Benefits available. Tax benefit under Sec 80C upto Rs.100,000 as per current income tax rules** Returns are Tax-Free u/s 10(10D) as per current income tax rules **

*Cash dividends are not guaranteed and based on the performance of the company. **Tax benefits are as per current tax legislations and are subject to amendments from time to time.

Terms & Conditions apply. The SSGML offer products are subject to change. Please refer to product brochure for complete details.

METLIFE Guaranteed Monthly Income Plan Product No 3 Guaranteed monthly regular income that you choose at inception payable for 15 years i.e. 180 months. In case of unfortunate death during the term of the policy, your family will immediately get an amount equal to 25% of the Base Sum Assured (45 times monthly regular income). Guaranteed payment of monthly regular income even after the death of the Person Insured - If the monthly regular income has already commenced, the balance monthly income installments will be paid to the nominee as and when they are due. If the monthly regular income has not commenced, the same will be commenced starting from the first monthly anniversary following the date of death and shall be paid for the next 15 years to the nominee. Payment of an additional Sum Assured in case of accidental dealth if Accidental Death Benefit Rider has been opted by you at inception. Tax benefits* on both the amount invested and the benefits received under Section 80 C and Section 10 10D. Death Benefit
In the unfortunate event of your death your nominee/beneficiary will receive:1. During the Premium Payment Term - 25% of the Base Sum Assured plus all accrued simple reversionary bonuses is payable immediately. The monthly regular income also starts from the first monthly anniversary falling after the date of death and continues to be paid to the nominee/beneficiary for the next 15 years. At the end of 15 years from the date of first monthly regular income payment, the policy ceases with payment of "Terminal Bonus", if any. 2. After the Premium Payment Term - 25% of the Base Sum Assured plus all accrued simple reversionary bonuses is payable immediately. The monthly regular income to the nominee/beneficiary continues for the remaining term till maturity. At the maturity date as chosen at inception, the policy ceases with payment of "Terminal Bonus", if any. NOTE: In case of death of the beneficiary/nominee during these guaranteed monthly regular income payments period, the same will be made to the legal heir.

Survival Benefits
You get a monthly regular income that you have chosen at the inception of the policy for 15 years after the end of the Premium Payment Term. The monthly regular income commences from the monthly anniversary date that immediately
Terms & Conditions apply. The SSGML offer products are subject to change. Please refer to product brochure for complete details.

succeeds the completion of the Premium Payment Term. Maturity Benefit On attaining the maturity age you will receive the accrued Simple Reversionary Bonuses along with the Terminal Bonus, if any.

AVIVA DHANA VRIDDHI PRODUCT NO:- 4 (7% PA - Guaranteed Addition Plan) Aviva Dhan Vriddhi is a traditional money back plan that provides you a guaranteed amount of money at regular intervals along with protection through the Life Cover (Sum Assured), in the event of death

Guaranteed returns: Guaranteed Additions @7% of Life Cover for each completed policy year till maturity Limited premium payment: Premiums are not required to be paid during the last five years of the policy Additional protection: You can opt from 5 riders to enhance protection with the benefits ranging from additional Sum Assured for the incident covered, waiver of future premiums and also a regular income for your beneficiary in case you are not around Rebate for high Sum Assured: Rebate on basic premium is allowed if your Sum Assured is Rs. 1 Lac or higher Entry age: Child - 13-55 years (last birthday) Policy term: 10 to 20 years; maximum age at maturity is 70 years (without riders) Premium payment term: Policy Term minus 5 years

Terms & Conditions apply. The SSGML offer products are subject to change. Please refer to product brochure for complete details.

BIRLA BACHAT MONEY BACK PLAN Product No:- 5 BSLI Bachat (Moneyback) Plan - A step-by-step savings plan The BSLI Bachat (Moneyback) Plan secures your family's future by not just growing your regular savings, but by providing you money at regular intervals as well. You also get the security of a life cover through the tenure of the policy. How BSLI Bachat (Moneyback) Plan works:- You choose your Monthly Base Premium amount that belongs to one of the following bands:

Band 1: Rs. 400 - Rs. 599 per month Band 2: Rs. 600 - Rs. 899 per month Band 3: Rs. 900 and above per month

Once you have chosen your premium amount, you receive a series of benefits as follows:
The benefits of BSLI Bachat (Moneyback) Plan?

1. Survival Benefit : You will receive 20% of Monthly Base Premiums paid, on the 5 , 10 and 15 2. 3. 4.
policy anniversary. Maturity Benefit : On maturity after 20 years, you will receive All Monthly Base Premiums paid + All Bachat Additions earned + Loyalty Addition - All Survival Benefits paid. Death Benefit : In the event of an untimely demise of the life insured, the nominee shall receive All Monthly Base Premiums paid (or Sum Assured, if higher) + All Bachat Additions earned + Loyalty Addition - All Survival Benefits paid. Your surrender benefits include All Monthly Base Premiums paid from the second year onwards multiplied by the surrender factor th th (following table) + After 10 policy year, all Bachat Additions earned + After the 15 policy year, Loyalty Addition earned (less all Survival Benefits paid).

Plan Summary
Age at Entry Policy Term Premium Pay Term Monthly Base Premium(MBP) Sum Assured Premium Payment Frequency Entry Age 13 to 40 13 - 60 years 20 years 20 years Rs. 400 - Rs. 5,000 Up to 180 times Monthly Base Premium Monthly, Quarterly, Semi-annual and Annual 41 to 50 51 to 60

Terms & Conditions apply. The SSGML offer products are subject to change. Please refer to product brochure for complete details.

Sum Assured

180 x MBP

120 x MBP

60 x MBP

BIRLA VISION PLAN Product No:- 6 Presenting BSLI Vision - a plan that gives you a lump sum payout on the date of your choice and a life cover up to the age of 100 years. What's more, you only pay premiums for a limited number of years while you enjoy your life cover up to the age of 100 years. How BSLI Vision plan works: 1. You choose the Sum Assured which is the amount of life insurance cover up to the age of 100 years. 2. You choose a Guaranteed Survival Benefit (GSB) Term based on the number of years after which you would like to receive your payout. This term is also the accumulation phase of your plan, i.e. the number years for which you would have to pay premiums. 3. You choose from our range of riders, to enhance the financial security of your family. Based on your above choices, you will receive a host of benefits as below: 1. Guaranteed Survival benefit At the end of the GSB Term, you will receive a fixed payout known as the Guaranteed Survival Benefit. Along with the Guaranteed Survival Benefit, you will receive Monthly Additions and Enhancement to monthly additions. Please read further to know more about Monthly Additions. 2. Guaranteed Death Benefit In the unfortunate event of the death of the life insured during the policy term, the nominee will receive the Sum Assured as the Death Benefit. 3. Guaranteed Maturity Benefit In the event that the life insured survives to the end of the policy term, you will receive the Sum Assured as the Guaranteed Maturity Benefit. 4. Monthly Additions At the beginning of each policy year, your policy will be assigned the latest Monthly Addition Rate declared by us, provided all due premiums have been paid in full. Once this Monthly Addition Rate is assigned to your policy, it will be guaranteed for the next 12 months, and used to calculate your Monthly Additions during the upcoming policy year. We will be declaring new Monthly Addition
Terms & Conditions apply. The SSGML offer products are subject to change. Please refer to product brochure for complete details.

Rates on April 1st of every calendar year.

5. For BSLI Vision Plan the currently declared (w.e.f April 1, 2011) Monthly Addition Rates are as follows (annual rate per 1000 of Sum Assured): GSB Term 5 to 10 Years 11 to 15 Years Currently Declared 39.0 39.0 6. Enhancements to Monthly Additions 16 to 20 Years 41.4 21+ Years 45.0

If your GSB term is more than 21 years and if Monthly Additions have been accrued for more than 21 policy years, the accrued Monthly Additions payable as a Death Benefit or a Survival Benefit shall be enhanced by the following percentage: Sum Assured Band Sum Assured (Rs.) For Each Policy Year Exceeding 21 Band 1 100,000 to 199,999 2.50% Band 2 200,000 to 399,999 5.00% Band 3 400,000 to 799,999 6.25% Band 4 800,000 + 6.75%

7. Benefits of Monthly Additions Monthly Additions enhance your Survival Benefit and Death Benefit. At the end of the GSB term, you receive a Survival benefit, which includes the Guaranteed Survival benefit; plus Monthly Additions accrued till date; plus Enhancements to Monthly Additions, if any. In the unfortunate event of the death of the life insured during the GSB term, the nominee will receive the Death Benefit which includes the Guaranteed Death Benefit; plus Monthly Additions accrued till date; plus Enhancements to Monthly Additions, if any. 8. Policy Loans You can also avail of loans on your policy once it has acquired a Surrender Value. The minimum loan amount is Rs.5,000 and the maximum is 90% of your policy's Surrender Value.

Terms & Conditions apply. The SSGML offer products are subject to change. Please refer to product brochure for complete details.

KOTAK ASSURED INCOME PLAN PRODUCT NO:- 7 Kotak Assured Income Plan guarantees you an additional income every year, for 20 years provided the policy is in force. In addition, on maturity you receive 110% to 104% of Basic Sum Assured. You also enjoy life cover for the entire policy term thereby protecting your family should something happen to you. Advantages Enjoy Assured Annual Income for 20 years Receive lump sum on maturity Provide protection to your family for 30 years Avail of policy loan to meet sudden expenses Boost your protective cover through optional rider benefits Key Features Enjoy Assured Annual Income for 20 years Kotak Assured Income Plan guarantees you an Assured Annual Income every year for a period of 20 years, provided the policy is in force. It will be paid starting from the end of 10th policy year as a percentage of your Basic Sum Assured as mentioned below: Premium Bands Assured Annual Income

Up to Rs. 24,999 Rs. 25,000 to Rs. 74,999 Rs. 75,000 and above

9.10% 9.60% 10.10%

Maturity Benefit - Receive lump sum on maturity In addition to guaranteeing you a regular stream of income for 20 years, this plan provides you a lump sum equal to 110% to 104% of Basic Sum Assured on maturity. Now the family vacation you had long delayed, the second home you wanted to own or the car you always loved might just become a reality. Death Benefit - Provide protection to your family for 30 years In case of your unfortunate demise during the policy term of 30 years, the Basic Sum Assured is paid to the beneficiary ensuring your familys well being under all eventualities.

Terms & Conditions apply. The SSGML offer products are subject to change. Please refer to product brochure for complete details.