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IRDAI Registration Number 121

For more details on risk factors, terms and conditions, please read the sales brochure before concluding the sale. The Product brochure should be read in conjunction with the benefit illustration and policy exclusions. For further details on all the conditions, exclusions related to any product, please contact our insurance advisors. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document issued by the insurance company. Service Tax and Cess will be charged extra as per applicable rates. Tax benefits are as per the Income Tax Act, 1961, and are subject to amendments made thereto from time to time. Tax laws are subject to change, consulting a tax expert is advisable. Trade logos displayed above belongs to Anil Dhirubhai Ambani Venure Private Limited & Nippon Life Insurance and used by Reliance Nippon Life Insurance Company Limited under license. CIN-U66010MH2001PLC167089, Call us at our Call Centre number:1800 102 1010 from 9:00am to 6:00pm, Monday to Saturday. Email: Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai, Maharashtra -400710, India Corporate Office: Reliance Centre, Off Western Express Highway, Santacruz(East), Mumbai – 400055

Specific for ULIP Products The investment risk in investment portfolio is borne by the policyholder.

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year. The name of the company, name of the brand and the name of the product does not in any way indicate the quality of the contract, its future prospects or returns.

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

(1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer: Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. (2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.


Beware of Spurious / Fraud Phone calls: IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

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