Aegon Religare

AEGON RELIGARE
PROTECTION PLANS
Protection plans
Protection plans are Term Plans which provide only life cover. These plans can help you get
adequately covered and secure your family financially in case of unfortunate event. These are low
cost life insurance plans. What’s more, depending on your future responsibilities and financial
commitments Increasing and Decreasing Term Plans offers you the flexibility to increase or
decrease the sum assured in systematic manner.
AEGON Religare Level Term Plan
You have given your family the best till now and you would want them to get
the best even in the future. However, no one has control over uncertainties of
life. Will they be able to sustain the same lifestyle even in your absence? To
deal with your concern and give your family the best, we offer you AEGON
Religare Level Term Plan, which ensures protection for your loved ones at a
fraction of the cost.
Read More »
AEGON Religare Increasing Term Plan
Life is about moving forward, and as you scale new heights towards success,
your income rises. Along with it, your lifestyle changes and so do the needs
and expenses of your family. AEGON Religare Life Insurance now offers AEGON
Religare Increasing Term plan that grows with your increasing responsibilities.
Read More »
AEGON Religare Decreasing Term Plan
Loans or mortgages are riddled with worries and tension. However, as time
elapses, your liabilities reduce and hence the need for a plan which has a
cover that declines and the premium you pay is low. AEGON Religare Life
Insurance offers AEGON Religare Decreasing Term Plan that ensures your
liabilities don’t give you stress.
Read More »
AEGON Religare Group Term plan
There is a well known saying ’People make the place’. No matter which
industry you are in, the value that individuals bring to an organization cannot
be underestimated. Providing basic financial security for these employees
would not go unnoticed. AEGON Religare Group Term Plan provides the
members of your group with a life insurance plan so that their families’ needs
are looked after.
Read More »
AEGON Religare Rural Term Plan
AEGON Religare Life Insurance offers AEGON Religare Rural Term Plan, a low-
cost plan that offers 100 times of your premium as life cover.
Read More »
AEGON Religare Group Credit Life Plan
Have you given a thought as to what if something was to happen to any

member of your group? At one hand, you would want to safeguard the
outstanding loan amount and at the other, you would also want to help his
family in such a difficult time.
Read More »
AEGON Religare iTerm Plan
No one has control over uncertainties of life. Will your loved ones be able to
sustain the same lifestyle even in your absence? In order to ease some worries
and give your family the best, we offer you AEGON Religare iTerm Plan, which
ensures protection for your loved ones - at a fraction of the cost.
Read More »
Level term Plans

Your family looks to you for support and strength. You have given them the best till now and
you would want them to get the best even in the future. However, no one has control over
uncertainties of life. Will they be able to sustain the same lifestyle even in your absence? To
deal with your concern and give your family the best, we offer you AEGON Religare Level Term
Plan, which ensures protection for your loved ones at a fraction of the cost. With the help of
our Life Agent, fill out the Life Planner that will help you take the steps to having your own
plan.
Features and Benefits

Enhanced Sum Assured
There are some special occasions in life such as your marriage or the birth of your child that
need your support. On such occasions this policy gives you the option to increase your Sum
Assured. This increase in the sum assured is subject to a maximum of 50% of the sum assured or
Rs 10 lakh (whichever is lower), without the hassle of going through a medical examination or
any other underwriting requirements.
Grace period
You are allowed to pay premiums within 30 days from the due date. If a due premium is not
received within the grace period, your policy will lapse and the life insurance cover, including
the rider cover, if any, will be terminated.
Lapsed Policy Reinstatement
You can reinstate your lapsed policy any time (within 2 years from the due date of the first
unpaid premium) by paying all the due premiums.
Free Look Cancellation
In case, you are not satisfied, you may choose to cancel the policy within 15 days of receiving
the policy documents. Upon such cancellation, you will be paid back the premiums minus the
cost of stamp duty, medical reports and proportionate premium for the period for which the
risk was covered.
Death: Incase of unfortunate demise, the benefit payable to nominee is sum assured and it
does not change during the term of the contract.
Tax Benefits
Section 80C, 10 (10D) of the Income Tax Act, 1961 would apply. Premiums paid for AEGON
Religare CI Rider may qualify for a deduction under Section 80D of the Income Tax Act, 1961.
Consult your tax advisor for confirmation.
Increasing Term Plan

Life is about moving forward, and as you scale new heights towards success, your income rises.
Along with it, your lifestyle changes and so do the needs and expenses of your family.
AEGON Religare Life Insurance now offers AEGON Religare Increasing Term plan that grows with
your increasing responsibilities.
How do you apply for AEGON Religare Increasing Term Plan?
Step 1: Choose the amount of protection you need

Step 2: Decide on the term of your policy
Step 3: Our Life Agent will calculate the premium you will have to pay
Benefits
Death - In case of your unfortunate demise, the benefit payable is 100% of the Sum Assured in
the first year which increases by 5% on every policy anniversary thereafter, till the amount
payable on death becomes twice the Sum Assured. After that, the benefit payable remains
twice the Sum Assured.
Tax Benefits
Tax Benefits - Section 80C, 10 (10D) of the Income Tax Act, 1961 would apply. Premiums paid
for AEGON Religare CI Rider may qualify for a deduction under Section 80D of the Income Tax
Act, 1961. Please consult your tax advisor for confirmation.
Riders
Besides life cover, AEGON Religare Increasing Term Plan offers you additional cover through
riders. If you opt for a rider, you or your nominee will receive the rider Sum Assured, in case
any of the following event / illness listed under the rider occurs.
AEGON Religare ADDD Rider - This rider benefit is paid on occurrence of any of the following
• Death due to an accident

• Accidental dismemberment [loss of use of a limb(s) and / or eye(s)]
• Permanent total disability due to an accident
Click here for details
AEGON Religare CI Rider - This rider covers the following 9 critical illnesses
• Cancer (malignant) including Leukemia

• Coronary Artery Bypass Surgery
• Heart Attack
• Kidney Failure
• Stroke
• Major Organ Transplantation
• Paralysis
• Heart Valve Surgery
• Surgery for disease of the Aorta
In case of Critical Illness, the Sum Assured will be paid 30 days after diagnosis of the critical
illness or undergoing surgical procedure as the case may be.
Click here for details
Eligibility
Minimum - Rs. 2,000 p.a for regular premium

Annualised Premium
- Rs. 10,000 for single premium
Sum Assured Minimum - Rs. 5,00,000
Entry Age Minimum - 18 years

Maximum - 55 years
Maturity Age Maximum - 75 years
Premium Pay Term Single / Equal to the policy term
Minimum - 10 years;
Policy Term
Maximum - 30 years
Premium Payment Frequency Single, Yearly, Half- yearly, Quarterly, Monthly (via ECS only)
Other Features
Grace Period - You are allowed to pay premiums within 30 days from the due date. If a due
premium is not received within the grace period, your policy will lapse and the life insurance
cover, including the rider cover, if any, will be terminated.
Lapsed Policy Reinstatement - You can reinstate your lapsed policy any time (within 2 years
from the due date of the first unpaid premium) by paying all the due premiums and undergoing
underwriting requirements, if any.
Free Look Cancellation - In case, you are not satisfied, you may choose to cancel the policy
within 15 days of receiving the policy documents. Upon such cancellation, you will be paid back
the premiums, minus the cost of stamp duty, medical reports and proportionate premium for
the period for which the risk was covered.
Terms and Conditions
Maturity - The policy does not acquire any maturity value, therefore no amount is payable to
the Policy Holder on maturity.
Surrender - The policy does not acquire any surrender value throughout the policy term and
therefore there is no amount payable to the Policy Holder upon surrender.
Rider - The benefit payable will not increase along with the increase in the base plan death
benefit.
Service Tax - Service tax or any other tax shall be levied as per the prevailing tax laws on
premiums or benefits payable.
Exclusion - In case of death by suicide during the first policy year, or within one year from the
date of reinstatement , no death benefit is payable.
Decreasing Term Plan

Loans or mortgages are riddled with worries and tension. You try to repay the amount and at
the same time, ensure that your family is not affected and gets the best of everything.
However, as time elapses, your liabilities reduce and hence the need for a plan which has a
cover that declines and the premium you pay is low.
AEGON Religare Life Insurance offers AEGON Religare Decreasing Term Plan that ensures your
liabilities don’t give you stress.
How do you apply for AEGON Religare Decreasing Term Plan?

Step 1: Choose the amount of protection you need
Step 2: Decide on the term of your policy
Step 3: Our Life Agent will calculate the premium you will have to pay
Benefits
Death - In case of your unfortunate demise, the benefit payable is 100% of the Sum Assured in
the 1st year, after which it will reduce by 5% on every policy anniversary.
Tax Benefits
Tax Benefits - Section 80C, 10 (10D) of the Income Tax Act, 1961 would apply. Please consult
your tax advisor for confirmation.
Eligibility
Minimum - Rs. 2,000 p.a for regular premium

Annualised Premium
- Rs. 10,000 for single premium
Sum Assured Minimum - Rs. 5,00,000
Minimum - 18 years
Entry Age
Maximum - 55 years
Single / 11 years (except for 10-year plan where premium pay term is
Premium Pay Term
equal to the policy term)
Minimum - 10 years;
Policy Term
Maximum - 20 years
Premium Payment
Single, Yearly, Half- yearly, Quarterly, Monthly (via ECS only)
Frequency
Other Features
Grace Period - You are allowed to pay premiums within 30 days from the due date. If a due
premium is not received within the grace period of 30 days, your policy will lapse and the life
insurance cover will be terminated.
Lapsed Policy Reinstatement - You can reinstate your lapsed policy any time (within 2 years
from the due date of the first unpaid premium) by paying all the due premiums and undergoing
underwriting requirements, if any.
the premiums minus the cost of stamp duty, medical reports and proportionate premium for
Terms and Conditions
Maturity - The policy does not acquire any maturity value, therefore no amount is payable to
the Policy Holder on maturity.
Surrender - The policy does not acquire any surrender value throughout the policy term and
therefore there is no amount payable to the Policy Holder upon surrender.
Service Tax - Service tax or any other tax shall be levied as per the prevailing tax laws on
premiums or benefits payable.
Exclusion - In case of death by suicide during the first policy year, or within one year from the
date of reinstatement, no death benefit is payable.
Group Term Plan

There is a well known saying ‘People make the place’. No matter which industry you are in, the
value that individuals bring to an organization cannot be underestimated. Most of the people at
your work place have a family that financially depends on them. Hence, each one needs life
insurance. Providing basic financial security for these employees would not go unnoticed.
AEGON Religare Group Term Plan provides the members of your group with a life insurance
plan so that their families’ needs are looked after.
How do you apply for AEGON Religare Group Term Plan?
Step 1: Decide on the number of people in your group (minimum 50 members)

Step 2: Choose the amount of protection your group members need
Step 3: Derive at the Sum Assured for every member on the basis of:
a) Multiple of salary
b) Flat / Fixed Cover for all members
c) Grade wise cover
Benefits
Death - In case of any member’s unfortunate demise, you will be paid the Sum Assured for the
nominee.
Eligibility
Minimum - Depends upon the group Size & Sum Assured opted
Premium
Maximum - No limit
Minimum - Rs. 5,000 per member

Sum Assured
Maximum - Rs. 2,00,000 per member
Minimum - 18 years
Entry Age
Maximum - 59 years
Minimum - 50 members
Size of the Group
Maximum - No limit
Premium Pay Term Equal to the policy term
Policy Term 1 year (yearly renewable)
Premium Payment Frequency Single,Half- yearly, Quarterly, Monthly (via ECS only)
Rural Term Plan
A low-cost plan that offers 100 times of your premium as life cover.
How do you apply for AEGON Religare Rural Term Plan?
All you need to do is choose the amount of premium you need to pay.
Benefits
Maturity – On Survival till the end of policy term, you receive an amount of 110% of the Single
Premium paid.
Death - In case of your unfortunate demise during the policy term, the benefit payable to your
nominee is the Sum Assured which is 100 times of the Single Premium paid.
Surrender - You can surrender the policy anytime you want. Guaranteed Surrender value is the
percentage of the Single Premium you have paid.
Tax Benefits
- Section 80C, 10 (10D) of the Income Tax Act, 1961 as applicable would apply.
Group Credit Life Plan

Have you given a thought as to what if something was to happen to any member of your group ?
At one hand, you would want to safeguard the outstanding loan amount and at the other, you
would also want to help his family in such a difficult time.
To deal with your concern, AEGON Religare Life Insurance offers you AEGON Religare Group
Credit Life Plan, which not only provides the members of your group with a life insurance plan
but also adequately covers their outstanding loan amount so that your as well as their families’
needs are looked after, at an affordable cost.
Key Features
Certificate of Insurance - On acceptance of risk and premium, certificate of insurance shall be

issued to respective members.
Other Features
Inclusion and Exclusion of Members - A member will be included from the date of joining the
group as per the scheme rules. A member will be excluded from the group on expiry of the loan
period or member attaining maximum age permissible under the policy or on foreclosure of
loan.
Participation into the scheme - It is voluntary to participate in the scheme for the existing
and new members.
Free Look Cancellation - – In case, you are not satisfied with the policy, you may choose to
cancel it within 15 days of receiving the policy by returning the policy documents to us with a
letter stating the reason for cancellation. Upon such cancellation, you will be paid back the
premium, minus the cost of stamp duty and medical examination (if any) and proportionate
premium for the period for which insurance cover and rider cover, if any was provided up to
the date of cancellation, for the members.
Grace Period - You are allowed to pay premiums within 30 days from the due date of your
premium payment date. If the due premium for the respective member is not received within
the grace period, the respective member cover will lapse and no benefit is payable. However
in case of death during the grace period, any premium due shall be recovered from the benefit
payable.
Benefits
Death
Level Sum Assured - In case of any member’s unfortunate demise, benefit payable is the chosen
sum assured.
Decreasing Sum Assured - In case of any member’s unfortunate demise, benefit payable is the
sum assured as per the sum assured schedule. The Sum Assured schedule will be decreasing at
the interest rate as defined in the scheme rules.
For details
Read the product brochure
Call 1800 209 9090
sms “INSURANCE” to 56677
iTerm Plan
No one has control over uncertainties of life. Will your loved ones be able to sustain the same
lifestyle even in your absence? In order to ease some worries and give your family the best, we
offer you AEGON Religare iTerm Plan, which ensures protection for your loved ones - at a
fraction of the cost.
How to buy iTerm?

Step 1: Choose the amount of protection you need.
Step 2: Decide on the term of your policy.
Step 3: Click here to buy now.
Benefits
Death - In case of your unfortunate demise, the Sum Assured is payable to your nominee.
Other Features
the premiums, minus the cost of stamp duty, medical reports and proportionate premium for
Eligibility
Minimum - Rs. 10,00,000 (in Multiple of Rs. 1,000)

Sum Assured
Maximum - No limit (subject to underwriting requirements)
Minimum - 18 years
Entry Age*
Maximum - 60 years
Minimum - 5 years;
Policy Term
Maximum - 25 years
Premium Pay Term Equal to the policy term
Premium Payment Frequency Yearly
For details
Call 1800 209 9090
ULIP PLANS
ULIP - Unit Linked Insurance Plans

Unit Linked Insurance Policies or ULIPs as they are commonly called, are more innovative forms of
life insurance that also offer returns on your investments. Every ULIP provides cover against death.
In addition, these unit linked insurance plans also serve as great means of long-term savings,
structured to give you miximum benefit. In simple words, investment in ulips is great combination
of protection and investment.
Let us help you understand ULIPs better.
AEGON Religare Future Protect Plan
If you opt for Invest Protect Option, it will not only help you gain from your
investment but also minimise the risk to your returns as your policy nears
maturity.
Read More »
AEGON Religare Future Protect Plus Plan
A ULIP that offers sum assured and fund value on death

Read More »
AEGON Religare Future Protect Premier Plan
This limited premium paying ULIP provides you with the protection for a longer
period to give you a secured tomorrow.
Read More »
AEGON Religare Assure Plan
A ULIP that ensures that you never miss an opportunity to maximise your gains,
and at the same time are shielded from losses.
Read More »
AEGON Religare Assure Plus Plan
A ULIP that ensures that you are protected from the uncertainties of market
fluctuations and at the same time gives you the confidence of maximising your
gains.
Read More »
AEGON Religare iMaximize Plan
AEGON Religare iMaximize Plan that aims to maximize your investment by

charging you zero premium allocation charge. It is not only a value for money
investment but also provides you a choice for opting the protection (death
benefit) suitable for you.
Read More »
AEGON Religare Future Protect Plan
Life, if systematically managed, can constantly keep changing for better, leading only to a
more secured tomorrow. AEGON Religare Future Protect Plan aims to do just that for you.
With the help of our Life Agent, fill out the Life Planner that will help you take the steps to
having your own plan.
How does the plan work?
Step 1: Decide on the amount of premium you wish to pay every year
Step 2: Choose the amount of insurance cover you want (Sum Assured)
Step 3: Decide on the policy term
Step 4: Invest your premium in choicest of 4 Funds OR a unique ‘Invest Protect’ option
Features & Benefits:
Maturity - On maturity, you receive the fund value existing on maturity date. If you do not
wish to take the entire maturity amount at one go, you can avail of the Settlement Option.
Settlement Option - Under this option, you receive your maturity proceeds in installments over
a period you choose (not exceeding 5 years). Investment risk during the settlement period is
borne by you.
Partial Withdrawal - You can partly withdraw your money after first 5 policy years. The
maximum amount of partial withdrawal allowed in any policy year is 20% of the fund value at
the beginning of that policy year. You can also avail of AEGON Religare Future Protect Plan’s
Systematic Partial Withdrawal facility by which we redeem units periodically from your unit
account and credit the money to your bank account. You can opt for systematic partial
withdrawals frequency; say monthly or quarterly for the duration you choose.
Discontinuance - You can discontinue the policy any time. Discontinuance value is paid after
first 5 years. Discontinuance value is fund value minus the discontinuance charges of the year
in which the premiums were discontinued. The charge will depend upon the period for which
you have paid your premiums, for detailed charges refer to the brochure. There is no charge on
top-up or if the policy is discontinued after 4 policy years.
Death - In case of your unfortunate demise during the policy term, the nominee will receive
the sum assured or the fund value, whichever is higher. However, it will not be less than 105%
of the total premium including top-up premium. The fund value is the number of units in your
unit account multiplied by their respective unit price. For further details on the above benefits
refer to Terms and Conditions in the brochure.
Tax Benefits - Premium paid under this policy will be eligible for tax benefit u/s 80C and the
benefits received under the policy will eligible for tax benefit u/s 10(10D). Please consult your
tax advisor for details.
For details
Call 1800 209 9090
sms “FUTUREPROTECT” to 56677
AEGON Religare Future Protect Plus Plan

If you opt for Invest Protect Option, it will not only help you gain from your investment but also
minimise the risk to your returns as your policy nears maturity. It aims to protect your money
by systematically shifting the Fund from Accelerator Fund to Secure Fund during the last 3
policy years.
E.g.: If you opt for a 15-year plan, the premiums paid (after premium allocation charges) will
be invested in Accelerator Fund during the first 12 policy years, Stable Fund in the 13th policy
year, Debt Fund in the 14th policy year and Secure Fund in the 15th policy year. Further, 10%
of the total units at the beginning of 3rd last policy year will be switched monthly in Stable
Fund. In 2nd last policy year 10% of the total units at beginning of year will be switched
monthly in Debt Fund. Similarly, 10% of the total units at the beginning of the last policy year
will be switched monthly in Secure Fund.
Step 3: Decide on the policy term
Step 4: Invest your premium in choicest of 4 Funds OR a unique ‘Invest Protect’ option
Settlement Option -Under this option, you receive your maturity proceeds in installments over
borne by you.
the beginning of that policy year.
You can also avail of AEGON Religare Future Protect Plus Plan’s Systematic Partial Withdrawal
facility by which we redeem units periodically from your unit account and credit the money to
your bank account. You can opt for systematic partial withdrawals frequency; say monthly or
quarterly for the duration you choose.
Death - In case of your unfortunate demise during the policy term, the nominee will receive
the sum assured along with the fund value. However, it will not be less than 105% of the total
premium including top-up premium. The fund value is the number of units in your unit account
multiplied by their respective unit price. For further details on the above benefits refer to
Terms and Conditions mentioned later.
For details
Call 1800 209 9090
AEGON Religare Future Protect Premier Plan

Your life has many phases and it changes with time. If managed properly, it can change for
better. There are times when you wish to get a lot more from life with minimal efforts. We at
AEGON Religare Life Insurance understand this and to meet your requirements we present the
AEGON Religare Future Protect Premier Plan, a unit linked insurance plan. This limited
premium paying ULIP provides you with the protection for a longer period to give you a secured
tomorrow.

Step 1: Decide on the premium payment term.
Step 3: Choose the amount of insurance cover you want (Sum Assured).
Step 4: Invest your premium in choicest of 4 Funds OR a unique ‘Invest Protect’ option.
What is Invest Protect Option?

If you opt for Invest Protect Option, it will not only help you gain from your investment but also
minimise the risk to your returns as your policy nears maturity. It aims to protect your money
by systematically shifting the Fund from Accelerator Fund to Secure Fund during the last 3
policy years.
Example: if your age at entry is 55 years and therefore the policy term becomes 15 years (70
less age at entry), the premiums paid (after premium allocation charges) will be invested in
Accelerator Fund during the first 12 policy years, Stable Fund in the 13th policy year, Debt
Fund in the 14th policy year and Secure Fund in the 15th policy year. Further, 10% of the total
units at the beginning of 3rd last policy year will be switched monthly in Stable Fund. In 2nd
last policy year, 10% of the total units at the beginning of year will be switched monthly in
Debt Fund. Similarly, 10% of the total units at the beginning of the last policy year will be
switched monthly in Secure Fund.
Benefits:
Settlement Option -Under this option, you receive your maturity proceeds in installments over
borne by you.
Discontinuance Value - You can discontinuance the policy any time. Discontinuance value is
paid after first 5 years. Discontinuance value is fund value minus the discontinuance charges of
the year in which the premiums were discontinued. The charge will depend upon the period for
which you have paid your premiums, as given below. There is no charge on top-up or if the
policy is discontinued after 4 policy years. This charge remains fixed throughout the policy
term.
Death - In case of your unfortunate demise during the policy term, the nominee receives the
sum assured or the fund value, whichever is higher. However, it will not be less than 105% of
the total premium including the top-up premium. The fund value is the number of units in your
unit account multiplied by their respective unit price. For further details on the above benefits
refer to Terms and Conditions mentioned later.
Switch -This feature helps you shift your investments from one fund to another. Four switches
are free of charge in each policy year.
Tax Benefit -The premiums paid and the benefits received under the policy will be eligible for
tax benefits as applicable from time to time. Please consult your tax advisor for details.
Eligibility
Premium Payment Term Annual Mode (Rs.) Monthly Mode (Rs.)
5 year pay 48,000 p.a. 5,000 p.m.
Minimum Annualised 7 year pay 30,000 p.a. 4,000 p.m.
Premium (AP) 10 year pay 20,000 p.a. 3,000 p.m.
Policy Term (years) 70 Minus Age at entry
Premium Pay Term
(years) 5 years / 7 years / 10 years
Sum Assured (SA)
Minimum (age < 45
years) Higher of 10 times of Regular AP or (0.5 x Policy Term x AP)
(age = > 45
years) Higher of 7 times of Regular AP or (0.25 x Policy Term x AP)
Policy Term SA Multiple
Upto 25 years 10*AP
26 – 35 years 20*AP
36 – 45 years 30*AP
Maximum (SA Multiple 46 – 55 years 45*AP
x AP) 56 years & above 50*AP
Entry Age Minimum – 7 years; Maximum - 60 years
Premium Payment
Frequency Yearly & Monthly
For details
Call 1800 209 9090
AEGON Religare Assure Plan

Opportunities come and go. Some you take, some you miss. However, the agony that you feel
for every missed opportunity is boundless and lingers on for eternity. At AEGON Religare Life
Insurance we understand this and hence we present to you the AEGON Religare Assure Plan; a
plan that ensures that you never miss an opportunity to maximise your gains and at the same
time are shielded from losses.

Step 1: Decide on the amount of premium you wish to pay every year.
Step 3: Decide the premium paying term of your policy.
Step 4: Your premiums net of allocation charges are invested in the NAV Protector Fund.
What is Special NAV?

Special NAV is 80% of the highest NAV declared on any reset day. Refer to the Terms &
Conditions to understand how a special NAV is calculated for Regular Premium and Top-Up
Premium.
What is the Special Fund Value?

Special Fund Value is calculated as, higher of the NAV as on date or the Special NAV multiplied
by the number of units in your unit account i.e. (Higher of NAV as on date or Special NAV) x
Number of Units.
For example, the NAV is at its highest 40.12 in policy year 7 as per the graph above. On the
date of maturity, even if the NAV is below the Special NAV, you are assured of receiving your
Special Fund Value at an NAV of 32.10 which is 80% of the NAV in year 7.
Maturity - On maturity, you receive the Special Fund Value (as explained above) as on maturity
date.
Partial Withdrawal - You can partly withdraw your money after the first 5 policy years. The
minimum amount of partial withdrawal is Rs. 5,000 and the maximum amount of partial
withdrawal allowed in any policy year is 20% of the fund value at the beginning of that policy
year.
Discontinuance - You can discontinuance the policy any time. Discontinuance value is paid
after first 5 years. Discontinuance value is Special Fund Value minus the discontinuance charges
of the year in which the premiums were discontinued. The charge will depend upon the period
for which you have paid your premiums, as given below. There is no charge on top-up or if the
policy is discontinued after 4 policy years.
Death - In case of your unfortunate demise during the policy term, your nominee will receive
the Sum Assured or the Special Fund Value, whichever is higher. For further details, refer to
Terms and Conditions mentioned later in the brochure.
Tax Benefit -The premiums paid and the benefits received under the policy will be eligible for
tax benefits as applicable from time to time. Please consult your tax advisor for details.
Eligibility
Premium Payment Term
Minimum Annualised Premium* 5 years 10 years
Yearly Mode 25,000 20,000
Half Yearly Mode NA 30,000
Monthly Mode NA 36,000
Policy Term 10 years
Premium Payment Term 5 years & 10 years
Entry Age
Minimum 7 years
Maximum 70 years
Maximum Maturity Age 80 years
Sum Assured
Age less than 45 years: 10 times

annualized premium
Age greater than or equal to 45
Minimum years: 7 times annualized premium
Maximum Age less than or equal to 50 years: 15

times annualized premium
Age greater than 50 years: 7 times
annualized premium
*The annualised premium will remain unaltered during the policy term.
For details
Call 1800 209 9090
sms “ASSURE” to 56677
AEGON Religare Assure Plus Plan

Isn’t it delightful when you know that you are shielded from uncertainties? Isn’t it reassuring to
know that things will always look up and you will benefit from them?
At AEGON Religare Life Insurance we understand this reassuring and secure feeling and
therefore we present you the AEGON Religare Assure Plus Plan. A plan that ensures that you
are protected from the uncertainties of market fluctuations and at the same time gives you the
confidence of maximising your gains.

Step 1: Decide the lump sum premium that you wish to invest.
Step 2: Your premiums net of allocation charge are invested in the fund(s) of your choice. You
also have the choice to invest your premium in NAV Protector Fund
Maturity - On maturity, you will receive the fund value / Special Fund Value (whichever is
applicable) and policy will cease to exist.
Partial Withdrawal - You can partly withdraw your money after the completion of 5 policy
years. The minimum amount of partial withdrawal is Rs. 5,000 and maximum amount of partial
withdrawal is 20% of the fund value at the beginning of that policy year. After withdrawal the
fund value should not be less than 20% of the single premium. If a Partial Withdrawal is made
from the NAV Protector Fund, Special NAV will not be applicable on such a withdrawal.
Discontinuance - You can discontinue the policy anytime after completion of 5 policy years.
Discontinuance value is the Fund Value or Special Fund Value as the case may be.
Death - In case of your unfortunate demise during the policy term, your nominee will receive
higher of Sum Assured or Fund Value or Special Fund Value. For further details refer to Terms
and conditions mentioned later in the brochure.
Tax Benefit -Tax benefits are available as per prevailing tax laws.
Eligibility
Particulars Eligibility Criteria

Minimum age at entry 8 years last birthday
Maximum age at entry 60 years last birthday
Sum Assured 5 times the Single Premium
Rs. 30,000
Minimum Premium
Rs. 50,000 - if NAV Protector Fund is opted for
Premium Payment Frequency Single Premium
For details
Call 1800 209 9090
sms “ASSURE” to 56677
AEGON Religare iMaximize Plan

You work hard to give your family nothing but the best. We understand the effort you put to
save every penny for your family’s future. When it comes to investments, you want to reap the
benefits at optimum costs. At AEGON Religare Life Insurance, our endeavor is to provide you
with newer solutions that give you the best value for money. Keeping this in mind, we
introduce AEGON Religare iMaximize Plan that aims to maximize your investment by charging
you zero premium allocation charge. It is not only a value for money investment but also
provides you a choice for opting the protection (death benefit) suitable for you. Moreover, you
can avoid the trouble of going through a cumbersome process and get yourself insured directly,
through our direct sales channels. It is not only simple but also available at your finger tips.

All you need to do is follow these simple steps:
Step 1: Choose to pay your premiums under regular payment mode or a one time lump sum as
a single premium;
Step 2: Choose the amount of insurance cover you need (sum assured);
Step 3: Decide on the policy term;
Step 4: Invest your premium in choicest of 3 investment funds OR opt for the unique 'Trigger
Portfolio Strategy'.
Investment Portfolio Strategies
With AEGON Religare iMaximize Plan you have the option to choose from two unique portfolio
strategies:
1. Trigger Portfolio Strategy
2. Self Managed Portfolio Strategy
Benefits:
Maturity - On maturity, you receive the fund value existing on maturity date.
Partial Withdrawal - You can partly withdraw your money after the first 5 policy years. The
Discontinuance - You can discontinue your regular premium policy any time. Discontinuance
value is paid after first 5 years. Discontinuance value is fund value minus the discontinuance
charges of the year in which the premium was discontinued. The charge will depend upon the
period for which you have paid your premium, as given below. There is no discontinuance
charge on single premium policies or top-up or if the policy is discontinued after 4 policy years.
Where the Discontinuance charges for Discontinuance charges for

policy is annualised premium upto annualised premium above Rs.25,000
discontinued Rs.25,000
during the
policy year
Lower of 20% (AP or FV) subject to Lower of 6% (AP or FV) subject to
1 maximum of Rs. 3,000 maximum of Rs. 6,000
5 onwards Nil Nil
Death - You have the option to choose death benefit if you have opted for regular premium.
• Death Benefit Option 1: in case of an unfortunate demise of the Life Assured, the
nominee receives higher of Sum Assured (including sum assured increased on account of
payment of top up premium) or Fund Value or 105% of all the premiums paid. The
policy terminates thereafter.
• Death Benefit Option 2: In case of an unfortunate demise during the term of the policy,
the nominee receives death benefit
Eligibility
Parameter Regular Premium Single Premium

Annualised Premium Minimum Rs.24,000 • Rs.50,000 to Rs.69,000, policy
Policy Term 15 / 20 / 25 years term will be 5 years. • Rs.70,000
to Rs.124,000, policy term will be 10
years • Rs. 125,000 & above,
policy term will be 25 years
Premium Payment Equal to the policy term Single pay
Term
Sum Assured
Minimum Age < 45 Higher of 10 times of Regular AP or (0.5 x 1.25 x Single Premium
years Policy Term x AP)
Age >= 45 years Higher of 7 times of Regular AP or (0.25 x 1.10 x Single Premium
Policy Term x AP)
Maximum 30 x AP. However, you have the option to 5 x Single Premium
choose the multiple of 15 / 20 / 25 times the
annualised premium.
Entry Age Minimum: Regular Premium Option 1: 7 years 7 years
Regular Premium Option 2: 18 years
Premium Payment Monthly and Annual Single
Frequency
For details
Call 1800 209 9090
sms “IMAX” to 56677
Saving Plans
Savings Plans help you save and grow your money. Savings Plan is a category of goal-based financial
solutions that offers wealth creation opportunities. At AEGON Religare Life Insurance we have
created products that cater to these very needs.
AEGON Religare Money Back Plus Plan
A plan that provides life cover for 6 years even after the premium payment
term and pays a bonus.
Read More »
AEGON Religare Money Back Plan
A plan that gives you money back in the 6th and the 8th policy year.
Read More »
AEGON Religare Endowment Plan

This plan offers 200% of the sum assured along with accrued bonus in the
unfortunate event of your demise.
Read More »
AEGON Religare Endowment Advantage Plan

This plan offers 25% of the sum assured 3 years before maturity and pays 100%
of the sum assured along with accrued bonus, in an unfortunate event of your
demise.
Read More »
Money Back Plus Plan

It is always delightful to get back what you give and even more delightful to get something
extra. At AEGON Religare Life Insurance, we understand this. Which is why, we bring you the
AEGON Religare Money Back Plus Plan.

All you will need to do is choose the protection you need. You will receive periodic survival
benefits at the end of 4th year, 8th year and 12th year at the rate of 10%, 20% and 30% of sum
assured respectively. Moreover, the plan is a with profit plan wherein the Company will declare
bonus rate from the first policy year onwards.
Key Advantages
 Life cover continues for a period of 6 years after the end of premium payment term.
 Bonus accrues first year onwards.
 Regular inflow of income at regular intervals.
 120% of sum assured paid till maturity.
 100% of sum assured along with accrued bonus incase of death during policy term.
Periodic Survival Benefits - At the end of 4th, 8th and 12th policy year, you are entitled to
receive a percentage of sum assured as periodic survival benefits as per the table below:
End of Year % of Sum Assured paid
4th year 10%
8th year 20%
12th year 30%
Maturity Benefit - At the end of the policy term, you will be entitled to receive 60% of sum
assured or 100% paid up sum assured, as applicable with the simple reversionary accrued
bonus.
Death Benefit - In case of your unfortunate demise, the nominee receives the sum assured or
paid-up sum assured along with the simple reversionary accrued bonus and terminal bonus, if
any, irrespective of the periodic survival benefits already paid and the plan cease to exist.
Bonus - Your policy will participate in the profits emerging in the participating fund managed
by the Company. The Company will declare simple reversionary bonus as percentage of sum
assured every year provided the policy is in force for full sum assured. Bonuses once declared
form a part of guaranteed benefits of the plan. The bonus will be paid in case of maturity or on
an earlier demise.
Paid-Up Policy - Incase you fail to pay your premiums after 3 years, the policy still continues
with the paid-up sum assured.
Surrender Benefit - The policy will acquire surrender value after completion of 3 years. You
have the option to surrender the policy anytime after payment of 3 years’ premiumThe
Surrender Value is calculated as Surrender value factor X paid up sum assured.
Tax Benefit -Premium paid under this policy will be eligible for tax benefit u/s 80C and the
benefits received under the policy will be eligible for tax benefit u/s 10(10D).
Eligibility
Minimum - 90 days
Entry Age
Maximum - 60 years
Maturity Age 76 years
Minimum Sum Assured Rs.100,000
Premium Payment Term 10 years
Premium Payment Mode* Annually, Half Yearly & Monthly
* The modal factor for modes other than Annual mode will be: Semi Annual Premium - Annual
Premium x 0.512; Monthly Premium - Annual Premium x 0.087.
For details
Call 1800 209 9090
sms “MBACKPLUS” to 56677
Money Back Plan

It is always delightful to get back what you give and even more delightful to get something
extra. At AEGON Religare Life Insurance, we understand this. Which is why, we bring you the
AEGON Religare Money Back Plan.
This plan covers you for 10 years by paying premium for only 5 years. What’s more, it also gives
you 10% of Sum Assured in the 6th policy year and 15% of the Sum Assured in the 8th policy
year in addition your maturity benefits.
Money Back - At the end of the 6th Policy Year, you will receive 10% of sum assured or paid up
sum assured and at the end of 8th Policy Year, you will receive 15% of sum assured or paid-up
sum assured.
Maturity - At the end of the policy term, you get atleast 100% of the sum assured. In case of
paid-up policies, 100% of the paid-up sum assured is paid.
Death - In case of your unfortunate demise, the nominee receives the sum assured or paid-up
sum assured irrespective of the payouts already made and the plan cease to exist.
The paid-up sum assured will be calculated as below:
(Number of years premiums received / Total number of years premium payable) x Sum Assured.
Surrender - The policy will acquire surrender value on payment of 3 full years’ premiums. You
have the option to surrender the policy anytime after payment of 3 years premium. The
Surrender Value is calculated as Surrender value factor x sum assured and is payable after 3
policy years.
Tax Benefits - Tax benefits are available as per the prevailing tax laws. Please consult your tax
advisor for confirmation.
Rider - You have the option to customize your policy by adding AEGON Religare ADDD Rider.
Please read the rider brochure to know the rider in detail.
For details
Call 1800 209 9090
sms “MBACK” to 56677
Endowment Plan
deal with your concern and give your family the best, AEGON Religare Life Insurance offers
AEGON Religare Endowment Plan. This plan offers 200% of the sum assured along with accrued
bonus in the unfortunate event of your demise.

Step 1: Choose the level of protection (Sum Assured).
Step 2: Choose the Policy Term.
Step 3: Choose the Premium Payment Term.
Depending on the above choices, the premium will be calculated.
Benefits:
assured or paid up sum assured, as applicable with the accrued simple reversionary bonus.
Death Benefit - In case of your unfortunate demise, the nominee receives 200% of the sum
assured or 100% paid-up sum assured along with the accrued simple reversionary bonus and the
plan cease to exist.The plan also provides life coverage for a period of 5 years from the date of
maturity of the policy. In case of death during the extended life cover period, the nominee will
get 100% of the sum assured. This benefit is available provided the policy is in force for full
sum assured as on the date of maturity of the policy. In case of death before attaining 7 years
of age, the death benefit will be return of all premiums paid along with the accrued simple
reversionary bonus and the plan cease to exist.
an earlier demise. The reversionary bonus is declared keeping in mind a long term view of
investment returns, expenses, mortality and other experiences. Bonus will be declared at the
end of every financial year and will be credited on subsequent policy anniversary. Bonus will
only accrue if the first three years premiums have been paid. The bonus at the end of third
year will include the bonus declared in previous three years.
The company may also declare a terminal bonus for maturing inforce policies depending on the
experience of the participating fund. The bonus is not available for extended life cover period
of 5 years from the date of maturity of the policy.
High Sum Assured Discount - You pay lesser premium if you choose sum assured of Rs.250,000
and above.
{(Total premiums received / Total premiums expected over the term) x (Sum Assured)}. If the
policy continues in paid up sum assured then the policy is not eligible for bonus .
Surrender Benefit - The policy will acquire guaranteed surrender value on payment of 3 full
years’ premiums and surrender value will be paid after completion of 3 years. You have the
option to surrender the policy anytime after payment of 3 years’ premium. In case of
surrender, the policy is first converted to paid-up policy. The Surrender Value is calculated as
Surrender value factor X (paid-up sum assured + accrued bonuses). The company may declare
surrender values that are higher than the guaranteed surrender values. The factors for such
surrender values will be decided from time to time with prior approval from IRDA. Surrender
value of accrued bonuses will be paid only if at least three years premiums are paid.
Tax Benefit -Tax benefits are available as per the prevailing tax laws. Please consult your tax
advisor for details.
Eligibility
Entry Age Minimum – 90 days complete ; Risk cover will
commence from 7 years of age as on last birthday.
Maximum – 60 years last birthday
Minimum Premium Rs.6,000 p.a.
Policy Term 15 / 20 / 25 years

Premium Payment Term 5 / 7 / 10 / equal to the policy term
Premium Payment Mode* Yearly, Half Yearly & Monthly
* The modal factor for modes other than yearly mode will be: half yearly Premium - yearly
Premium x 0.512; Monthly Premium - yearly Premium x 0.087.
For details
Call 1800 209 9090
sms “ENDOWMENT” to 56677
Endowment Advantage Plan

deal with your concern and give your family the best, AEGON Religare Life Insurance offers
AEGON Religare Endowment Advantage Plan. This plan offers 25% of the sum assured 3 years
before maturity and pays 100% of the sum assured along with accrued bonus, in an unfortunate
event of your demise.

Step 1: Choose the level of protection (Sum Assured).
Step 2: Choose the Policy Term.
Step 3: Choose the Premium Payment Term.
Depending on the above choices, the annualised premium will be calculated.
Benefits:
assured or paid up sum assured, as applicable with the accrued simple reversionary bonus.
Death Benefit - In case of your unfortunate demise, the nominee receives 100% of the sum
assured or paid-up sum assured along with the accrued simple reversionary bonus and the plan
cease to exist. In case of death before attaining 7 years of age, the death benefit will be return
of all premiums paid along with the simple reversionary accrued bonus and the plan cease to
exist. In case of death of the life assured within first 3 years, the nominee receives 100% of the
sum assured along with the accrued simple reversionary bonus.
an earlier demise. The reversionary bonus is declared keeping in mind a long term view of
investment returns, expenses, mortality and other experiences. Bonus will be declared at the
end of every financial year and will be credited on subsequent policy anniversary.
Survival Benefit - You will be entitled to receive 25% of the sum assured 3 years before
maturity date provided all the premiums have been paid.
High Sum Assured Discount - You pay lesser premium if you choose sum assured of Rs.250,000
and above.
{(Total premiums received / Total premiums expected over the term) x (Sum Assured)}. If the
policy continues in paid up sum assured then the policy is not eligible for bonus .
Surrender Benefit - The policy will acquire guaranteed surrender value on payment of 3 full
years’ premiums and surrender value will be paid after completion of 3 years. You have the
option to surrender the policy anytime after payment of 3 years’ premium. In case of
surrender, the policy is first converted to paid-up policy. The Surrender Value is calculated as
Surrender value factor X (paid-up sum assured plus accrued bonuses). The company may
declare surrender values that are higher than the guaranteed surrender values. The factors for
such surrender values will be decided from time to time with prior approval from IRDA.
Surrender value of accrued bonuses will be paid only if at least three years premiums are paid.
Tax Benefit -Tax benefits are available as per the prevailing tax laws. Please consult your tax
advisor for details.
Eligibility
Entry Age Minimum – 90 days complete ; Risk cover will
commence from 7 years of age as on last birthday.
Maximum – 60 years last birthday
Minimum Premium Rs.6,000 p.a.

Policy Term 15 / 20 / 25 years
Premium Payment Term 7 / 10 / equal to the policy term
Premium Payment Mode* Yearly, Half Yearly & Monthly
* The modal factor for modes other than yearly mode will be: half yearly Premium - yearly
Premium x 0.512; Monthly Premium - yearly Premium x 0.087.
For details
Call 1800 209 9090
sms “ENDOWMENT” to 56677
Retirement Plans
The rising inflation has put the fear of the unseen in every working person’s life. Today, more than
ever, it is vital that you save for the golden years post retirement so that you can maintain your
lifestyle as today. AEGON Religare Pension plan comes with a unique Lifestyle fund which
systematically reduces the risk to your returns by reducing the equity exposure of your investments
progressively throughout the policy term. Pension plans offered by life insurance companies
provide you with a regular pension that will help you take care of the much needed basic
necessities post retirement and assure a secured tomorrow.
AEGON Religare Pension Plan
It provides you with a regular pension that will help you take care of the much
needed basic necessities, post-retirement. Invest in AEGON Religare Pension
Plan and be assured of a secure tomorrow.
Read More »
AEGON Religare Insta Pension Plan
Your family looks to you for support and strength at all times. Whether
markets crash, prices rise or unforeseen events run riot with your budgets, you
manage to come out of such situations on top. All your life, you strive hard and
make sure you earn enough and more to ensure that you and your family get
the best of everything. Why should your post-retirement life be any less?
Read More »
Insta Pension Plans

Your family looks to you for support and strength at all times. Whether markets crash, prices
rise or unforeseen events run riot with your budgets, you manage to come out of such
situations on top. All your life, you strive hard and make sure you earn enough and more to
ensure that you and your family get the best of everything. Why should your post-retirement
life be any less?
At AEGON Religare Life Insurance we understand this. Hence, we bring you the AEGON Religare
Insta Pension Plan. A plan that pays you a continuous income post your retirement for the rest
of your life. So that you maintain your current lifestyle even after retirement and live the way
you always have – without compromise.
Step 1: Decide the amount of premium (lump sum amount) you want to pay to purchase the
Annuity Plan.
Step 2: Choose any one of the two available annuity payout options.
Step 3: Choose the annuity payout mode with which you would want to receive your annuity.
Step 4: Choose the most convenient way to receive your annuity amount from any of the two
available options.
Purchasing an Annuity
As soon as you purchase an annuity plan, you start getting a regular income in the form of an
annuity. The actual amount you receive as annuity will depend upon the Annuity Rates
applicable at the time of purchasing the annuity.
Benefits
Lifetime Income
Depending on the annuity payout option that you choose, the AEGON Religare Insta Pension
Plan provides you and your spouse an income for life.
Features
Annuity Payout Options

You have the choice to select from any of the following Annuity Payout Option.
Life Annuity
If you choose the Life Annuity option, you will receive your annuity payment for as long as you
live.
Joint Life Annuity

Under this option, an annuity is paid to you for your entire life. In case of your unfortunate
death, the annuity payment will be continued to be paid to your spouse, till your spouse is
alive.
Annuity Payout Mode

You can choose to receive your annuity either on a monthly or on an annual basis.
Options to receive you annuity
You have the option to receive your annuity amount either by cheques or by direct credit to
your bank account.
Eligibility
Premium Minimum: Rs. 1,00,000

Maximum: No Limit
Premium Pay Term Single Premium
Entry Age Minimum: 50 years

Maximum: 85 years
Entry Age of Spouse Minimum: 50 years

Maximum: 85 years
Child Plan
AEGON Religare Child Plans are life insurance plans that can help you save for your child’s future
goals. This plan comes with a Waiver of premium feature, which guarantees to waive all future
premiums in event of your demise, pays an amount equal to the annalised premium every year and
ensures that your child receives full sum assured immediately and 100% of fund value on maturity
of policy.
AEGON Religare Rising Star Plan
It not only makes provisions for your children’s future but also ensures that
their future remains secured by providing comprehensive protection to you.
Read More »
AEGON Religare Rising Star Plan

Your dream has always been to see your children outshine your dreams. To be able to meet
their needs and aspirations is what you always strive towards. Life, if systematically managed,
can keep changing for the better leading to a more secure future for your children. AEGON
Religare Rising Star Plan aims to help you in doing just that. It not only makes provisions for
your children’s future but also ensures that their future remains secured. With the help of our
Life Advisor, fill out the Life Planner that will help you take the steps to having your own plan.

Step 3: Decide on the policy term and premium pay term of your policy
Step 4: Invest your premium in choicest of 4 Funds OR a unique 'Invest Protect' option.
Features & Benefits
Death- In case of your unfortunate demise during the term of the policy, the nominee will
receive the following as death benefit:
• • Higher of Sum Assured or 105% of all premiums paid immediately;

• • All future premiums will be waived and paid into the Policy Fund Value;
• • An amount equal to the annualised premium will be paid every year to the nominee
• • On maturity, Policy Fund Value will be paid.
Maturity - On maturity, you receive the fund value existing on the maturity date. If you do not
Tax Benefits - The premiums paid and the benefits received under the policy will be eligible
for tax benefits as applicable from time to time. Please consult your tax advisor for details.
Partial Withdrawal – You can partially withdraw money after first 5 policy years. The maximum
amount of partial withdrawal allowed in any policy year is 20% of the fund value at the
beginning of that policy year. You can also avail of AEGON Religare Rising Star Plan’s
Systematic Partial Withdrawal facility by which we redeem units periodically from your unit
account and credit the money to your bank account. You can opt for systematic partial
withdrawal frequency; say monthly or quarterly for the duration you choose.
Switch - This feature helps you shift your investments from one fund to another. Four switches
are free in a policy year.
Top-Up Premium - A Top-Up premium is an additional amount of premium over and above the
contractual basic premiums with a minimum amount of Rs. 5,000. You can top-up your
premium anytime after the 1st policy year and apart from the last 5 policy years.
Discontinuance - You can discontinuance the policy any time. Discontinuance value is paid
after first 5 years. Discontinuance value is fund value minus the discontinuance charges of the
year in which the premiums were discontinued. The charge will depend upon the period for
which you have paid your premiums, as given below. There is no charge on top-up or if the
policy is discontinued after 4 policy years. This charge remains fixed throughout the policy
term.
Eligibility
Annual mode: Rs. 20,000 p.a.

Minimum Annualised
Premium* (AP)
Other modes: Rs. 30,000 p.a.
25 years less age at entry of the child in completed

Policy Term (years) years
Premium Pay Term

(years) Equal to the policy term
Sum Assured (SA)
Minimum (age is less Higher of 10 times of Regular Annualised Premium or

than 45 years) (0.5 x Policy Term x Annualised Premium)
(age is greater than or Higher of 7 times of Regular Annualised Premium or

equal to 45 years) (0.25 x Policy Term x Annualised Premium)
Maximum (SA Multiple

30 times Regular Annualised Premium
x AP)
Entry Age Parent (Life Assured) Minimum – 18 years; Maximum -

60 years
Child (Nominee) Minimum – 1 day; Maximum - 15

years
Premium Payment
Yearly, Half-yearly, Monthly
Frequency
*The annualised premium will remain unaltered during the policy term.
For details
Call 1800 209 9090
sms “RSTAR” to 56677
Gratuity
Gratuity is a statutory benefit paid to the employees under the Payment of Gratuity Act, 1972
who have rendered continuous service for at least five years. The employee is eligible for 15
days of salary (basic pay plus DA) for each completed year of service. The employer can also
structure a gratuity benefit that is higher than statutory requirements. The gratuity benefit is
payable on cessation of employment (either by resignation, death, retirement or termination,
etc.) by taking the last drawn salary as the basis for the calculation.
Gratuity payment liability tends to increase as the salaries and tenure of employment increase
annually. An employer may pay out gratuity proceeds from his current revenue; however, to
ascertain the gratuity liability of the employer and for more prudent financial planning, it is
beneficial to set up a gratuity fund.
AEGON Religare Group Gratuity Plan

AEGON Religare Life Insurance offers a unit-linked group gratuity plan that helps to fund the
statutory gratuity obligation in a scientific manner and also avail of the tax benefits as
applicable to approved gratuity funds.
What is the gratuity benefit?

The accrued gratuity benefit is payable on cessation of employment (either by resignation,
retirement or termination) as advised by the policyholder subject to the availability of
sufficient funds in the policyholder’s account.
Features
Life Insurance Cover - AEGON Religare Group Gratuity Plan provides greater value to your
employees by packaging gratuity with life cover.
Death Benefit - The accrued gratuity benefit is payable on cessation of employment due to
death as advised by the policyholder subject to the availability of sufficient funds in the
policyholder’s account plus the sum assured applicable for individual member. The liability of
the insurer for a scheme will be limited to the fund value plus the sum assured of individual
member.
Under any circumstances, if the account balance is not sufficient to pay the stated benefits as
per Trust Deed and Rules, the shortfall will be borne entirely by the policyholder. For all death
claims the life cover along with the accrued gratuity will be payable to the policyholder.
How would gratuity contributions be made?

The gratuity contribution payable under this policy every year could be based on the actuarial
valuation of the employer’s group gratuity scheme. The gratuity contribution is not level and
may vary from year to year. Each gratuity contribution received from the policyholder will be
allotted in a proportion as selected by the policyholder among the investment funds chosen by
the policyholder.
How would be life insurance premium paid?

Life insurance premium is payable in addition to the gratuity contribution payable towards
funding of gratuity benefit. The life insurance premium is collected separately from the
gratuity contribution.
The life insurance premium for the group at inception / renewal of the policy will be
calculated based on age specific rates and guaranteed for only one year.
The life insurance premium rate applicable to the new joinees during the policy year will be a
unit rate. This unit rate will be calculated as total life insurance premium divided by total sum
assured *1000, at the inception/renewal of the policy. This unit rate will remain constant
throughout that policy year.
Applicable service tax will be levied on the life insurance premium.
Benefits
• Free annual actuarial valuation

• Multiple Investment Options – Choice of multiple funds with a flexible investment
pattern.
• Switching Option - While you have chosen a fund option, you have the flexibility of
switching between our various funds at any time. Switching between the various funds
is allowed depending upon your requirements. We allow unlimited switches free of cost
every year.
• Gratuity Contribution Redirection – The gratuity contributions can be redirected for
investments into fund/s of your choice and need not adhere to the initial investment
pattern. We allow unlimited redirection requests free of cost.
• Transparency - Portfolio Disclosure of the funds is done on a Quarterly basis. This
enables you to achieve better fund management.
• NAV* declaration- NAV is declared daily, enabling you to track the performance of the
fund chosen by you.
*NAV = (Market / Fair value of scheme’s investments+ Current Assets – Current
Liabilities & Provisions) / No. Of units Outstanding under the relevant plan
• Unit Pricing- The contribution received in respect of the client is converted into
number of units based on the Net Asset Value (NAV) per unit at that point of time.
Addition of new member?

All new joinees become a part of the group, if they meet the eligibility criteria (as specified in
the scheme rule provide by the policyholder). The life cover starts from the date of joining the
company or as specified in scheme rules provided by Policyholder.
The particulars of the new joiners may be submitted by the policyholder on a monthly basis.
The premium for life insurance cover is payable annually in advance (on a pro-rata basis).
Free Look Period

If policyholder is not satisfied with the terms and conditions of the policy, policyholder may
choose to cancel the policy within 15 days of receiving the policy documents along with stating
the reason for such cancellation. Upon such cancellation, the policyholder will be paid back the
following amount:
(Fund value + proportionate life insurance premium for unexpired period) – (stamp duty + cost
of medical, if any)
For details
Call 1800 209 9090
sms “INSURANCE” to 56677
Life Insurance
Life Insurance is a commonly used term, yet it is seldom understood and not many are confident
about choosing the best life insurance policy for themselves and their families. There are many life
insurance companies and innumerable plans available, but before you opt for the perfect life
insurance policy, you need to evaluate the pros and cons.
Evaluate life insurance as an investment option and think about whether you really need it. And if
you do, should you choose a cheap life insurance policy or opt for the best life cover available.
Which insurance company should you select? And if you already have a policy, should you buy
another?
The questions that pop up are mind boggling; so to help you plan your life better, we have
provided answers to a few basic ones. This will equip you choose the best life insurance company
and plan for you and your family.
What is life insurance?

Simply put, life insurance is a medium of providing a financial backup for your family even after
you pass on. Life insurance is an important part of a sound financial planning. Different types of
life insurance plans will not only financially protect you and your loved ones incase of unfortunate
event but, also help you save in a planned manner for important goals.
How Does Life Insurance Work?

Life insurance companies charge you a regular premium for the cover it provides for chosen time
period. Whereas, incase of ULIPs (Unit Linked Insurance Plans) part of the premium post
deductions of charges is invested to earn returns.
Do I Need Life Insurance?

Whether or not you need life insurance and how much, depends on whether or not you have
dependent family members. But practical wisdom suggests that even if nobody relies on your
income for daily living, you should still buy at least one life insurance plan which serves as a means
of personal investment and tax savings instrument.
On the other hand if your income is important to your family members and your salary contributes
to paying bills and loans, then you must choose the best life insurance option that you can afford.
Of all plans available, Term Plan is the pure protection plan and will be cheap life insurance as
well. Be sure to compare life insurance companies and the plans they offer well before settling for
one.
My Employer Offers Life Insurance, Do I Still Need a New Life Insurance Policy?
If your employer provides you with a life insurance policy, that's a bonus. These days large
organisations do offer life insurance as one of the perks, but remember that often these cheap life
insurance plans may not cover enough. So always ensure that you read the fine print and are aware
of how much your employer's life insurance company promises you. And if this insurance is not
adequate, it is advisable to invest in a new life insurance plan as well.
Also, the insurance amount changes from organisation to organisation and different life insurance
companies offer different plans and payment options which need to be kept in mind. Having one
new life insurance plan tucked away for safety will help you save in the present and feel less
worried about the future.
How Do I Determine How Much Life Insurance I Need?

There are some important things to consider when determining the best life insurance policy and
ideal policy amount for you:
• Evaluate the financial need of your family. Is it a growing family with diverse needs and a
single bread winner or a mature family with limited needs and perhaps more than one
source of income? The rule of thumb is the younger a family, the more the need for life
insurance.
• Secondly, you must assess how much money you can invest in life insurance premiums on a
regular basis. You may be tempted to get the best life insurance plans money can buy but
it may be too expensive for you to continue paying premiums after a certain time. On the
other hand if you pick a cheap life insurance policy it might prove to be inadequate to
cover basic necessities in your absence. Hence, it becomes very important to evaluate your
present and future needs before finalising the plan.
• Give a thought to how long you will need the life insurance money to work for you.
Whether you select a cheap life insurance cover that will sustain monthly expenses for few
years or the best life insurance plan that will exist lifelong, will depend on the duration of
your financial requirement.
• As you grow in life, you should revisit the existing plan and evaluate if you need to invest
in new life insurance plans. You can diversify your insurance savings with a new life
insurance plan and actually schedule when and how much money your family receives.
So choose with care. You can learn more about the different life insurance plans to further narrow
down your choices and select the ideal life insurance plan for yourself.
Different Types of Life Insurance Plans and How to Choose the Ideal Plan for you
Before you get into the different kinds of life insurance plans available, our guide to understanding
life insurance will help you understand the basics. Life insurance plans not only act as a protection
cover for you and your family in case of ill health and untimely demise but, also doubles as a
savings and investment plan to achieve set goals. So, remember that the decision of selecting the
ideal Plans is very critical and instead of purchasing any life insurance plan that you are offered in
haste, take time to make your decision
Life insurance plans have various options to suit different people at different life stages. Before
you decide on which life insurance Plans you need to buy , you must carefully analyse why you
need the Plans, what will be the sum assured and for how long.
To help you answer these questions we have prepared a step by step guide that takes you through
the process of understanding and selecting the best life insurance Plans for your needs.
STEP 1: Evaluate why you are investing in life insurance plans.
• If you have dependent family members, then life insurance plans like Protection Plans
which provide only life cover will help your family tide over financial losses in tough times.
• If you are planning for your retirement, then special plans like Retirement Plans would be
better life insurance schemes.
• If you don’t have dependent family members, then your life insurance plans can become
your channel of investment. Earlier you start saving better it is because your investments
get that much more time to grow in the long run.
• For people who don’t have any other major investments, life insurance schemes are also
ideal ways to save tax.
STEP 2: Assess the total financial needs of your family.

• In the unfortunate event of your demise, knowing the amount of monetary compensation
that will be sufficient to honour your family’s financial commitments is important and
must be considered while buying any life insurance schemes available.
• If the plan is to achieve certain future goals then it is important to ascertain the future
value to the goal and save for the same.
STEP 3: Assess how much you can invest regularly.

• After you know how much you need, assess how much you can save and invest in life
insurance plansplans on an ongoing basis.
• If you expect your income to grow in the near future, then you can opt for an increasing
premiumPlans where the premium increases gradually and also helps increase the sum
assured.
STEP 4: Pick a Plans to suit your needs.

• After having assessed your life insurance requirements and the amount you can save, it is
time for you to evaluate different products. It is also important to spend some time
researching various plans available.
• There are a lot of insurance companies offering numerous life insurance plans. The names
of plans may vary but what you need to look out for is the advantage each plan offers you
over the other.
Our Plans:
• Protection Plans
AEGON Religare Life Insurance Company
AEGON, an international life insurance, pension and investment company, Religare, a global
financial services group and Bennett, Coleman & company, India’s largest media house, have
come together to launch AEGON Religare Life Insurance Company Limited (ARLI). This
venture is dedicated to build a profitable customer-centric business with scale, providing a
work environment that fosters excellence and innovation. This joint venture will balance a
local approach with the power of an expanding global operation.
ARLI launched its pan-India operations in July, 2008 following a multi-channel distribution
strategy with a vision to help people plan their life better. The fulfillment of this vision is
based upon having a complete product suite, providing customised advice and enhancing the
overall customer experience through superior service.
ARLI has launched a suite of products that are focused on providing the customer with the
means to meeting their long-term financial goals. At the same time product development has
been founded on the tenet of providing the customer with great value. ARLI products such as
AEGON Religare iTerm Plan and AEGON Religare Future Protect Plan have been ranked among
the best in terms of value and have attracted many external accolades.
About AEGON
As an international life insurance, pension and investment company, AEGON has businesses in
over twenty markets in the Americas, Europe and Asia. With headquarters in The Hague, the
Netherlands, AEGON companies employ approximately 28,000 people and serve some 40 million
customers across the globe. The company’s common shares are listed on three stock
exchanges: Amsterdam, New York and London. AEGON has more than 160 years of experience
with its roots going back to 1844. AEGON holds 26% equity in ARLI.
http://www.aegon.com
About Religare Enterprises Limited

Religare Enterprises Limited (REL) is a global financial services group with a presence across
Asia, Africa, Middle East, Europe and the Americas. In India, Religare’s largest market, the
group offers a wide array of products and services ranging from insurance, asset management,
broking and lending solutions to investment banking and wealth management. The group has
also pioneered the concept of investments in alternative asset classes such as arts and films.
With over 10,000 employees across multiple geographies, Religare serves over a million clients,
including corporates and institutions, high net worth families and individuals, and retail
investors. REL hold 44% equity in ARLI.
http://www.religare.in
About Bennett, Coleman & Company Limited

Bennett, Coleman & Company Limited (BCCL), part of the mammoth Times Group, is India’s
largest media house. It reaches out to 2468 cities and towns all over India. The group owns and
manages powerful media brands like The Times of India, The Economic Times, Maharashtra
Times, Navbharat Times, Femina, Filmfare, Grazia, Top Gear, Radio Mirchi, Zoom, Times Now,
Times Music, Times OOH, Private Treaties and indiatimes.com. All of its brands are
multinational in outlook, traditional at heart and national in spirit. From the very first edition
on November 3, 1838 the mammoth BCCL Group has come a long way. By way of the innovative
venture of Times Private Treaties (http://www.timesprivatetreaties.com), the BCCL Group
holds 30% equity in ARLI.

Aegon Religare

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AEGON RELIGARE

AEGON Religare Level Term Plan

AEGON Religare Increasing Term Plan

AEGON Religare Decreasing Term Plan

AEGON Religare Group Term plan

AEGON Religare Group Credit Life Plan

Have you given a thought as to what if something was to happen to any

AEGON Religare iTerm Plan

Level term Plans

Features and Benefits

Lapsed Policy Reinstatement

Free Look Cancellation

Increasing Term Plan

How do you apply for AEGON Religare Increasing Term Plan?

Step 1: Choose the amount of protection you need

• Death due to an accident

Click here for details

• Cancer (malignant) including Leukemia

Click here for details

Minimum - Rs. 2,000 p.a for regular premium

Sum Assured Minimum - Rs. 5,00,000

Entry Age Minimum - 18 years

Maturity Age Maximum - 75 years

Premium Pay Term Single / Equal to the policy term

Decreasing Term Plan

How do you apply for AEGON Religare Decreasing Term Plan?

Minimum - Rs. 2,000 p.a for regular premium

Sum Assured Minimum - Rs. 5,00,000

Maturity Age Maximum - 75 years

Terms and Conditions

Group Term Plan

How do you apply for AEGON Religare Group Term Plan?

Step 1: Decide on the number of people in your group (minimum 50 members)

Minimum - Rs. 5,000 per member

Maturity Age Maximum - 60 years

Premium Pay Term Equal to the policy term

Policy Term 1 year (yearly renewable)

How do you apply for AEGON Religare Rural Term Plan?

Group Credit Life Plan

Certificate of Insurance - On acceptance of risk and premium, certificate of insurance shall be

How to buy iTerm?

Minimum - Rs. 10,00,000 (in Multiple of Rs. 1,000)

Maturity Age Maximum - 65 years

Premium Pay Term Equal to the policy term

Premium Payment Frequency Yearly

ULIP - Unit Linked Insurance Plans

Let us help you understand ULIPs better.

AEGON Religare Future Protect Plan

AEGON Religare Future Protect Plus Plan

A ULIP that offers sum assured and fund value on death

AEGON Religare Future Protect Premier Plan

AEGON Religare Assure Plan

AEGON Religare Assure Plus Plan

AEGON Religare iMaximize Plan

AEGON Religare iMaximize Plan that aims to maximize your investment by

How does the plan work?

Features & Benefits:

AEGON Religare Future Protect Plus Plan

How does the plan work?

Features & Benefits:

AEGON Religare Future Protect Premier Plan

How does the plan work?