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Why do I need
life insurance?
How much cover
do I need?

Life insurance as protection With the right policy and our support, your loved ones have the financial independence to look forward to living their lives and deal with Read More
Life insurance as an investment It is always better to invest your hard earned savings which will provide long-term benefits than to seek short-term benefits from high-risk ventures Read More
Life insurance for saving tax A rise in income, rising complexities of tax payment, your life insurance is your greatest ally to help you save your hard earned money Read More
Glossary Learn the meaning & definition of various terminologies and jargons used in Life Insurance Plans, and get to know your policies better Read More

Lifestages No matter what stage of life you are at, there are needs which demand your financial commitment. We help to plan in advance for life events so that you are prepared when they occur Read More
Goals Life insurance is more than just a tool for financial security. If you plan carefully, it can ensure that you are financially equipped to meet all your goals Read More
Calculate Know the appropriate life insurance cover you need to secure your family and yourself. Read More

In today's uncertain world, there could be calamity at every step of the life. It is up to you to ensure that your family stays protected always.

Reliance Protection Plans helps you do exactly the same. You have a wide range of options to choose a plan from.

How does the plan work?

Brochure

Premium Rate Chart

Option 1 Life Secure
Option 2 Enhanced Life Secure
Option 3 Life and Income Secure
Option 4 Life Secure with increasing income benefit
Option 5 Life Secure with return of premium (50%)
Option 6 Life Secure with return of premium (100%)
Option 7 Whole Life Secure

Life Secure

Under this option, a lump sum benefit equal to Sum Assured on Death is payable, on the earlier of death or diagnosis of Terminal Illness during the Policy Term, provided the Policy is in force.

Event
On Death / Diagnosis of Terminal Illness
Benefit
Sum Assured on Death is paid as a lump sum benefit

Rohit, aged 30, buys Reliance Nippon Life Digi-Term Insurance Plan, Life Secure Option with a life cover of

1 Crore and Policy Term of 30 years.

Rohit pays regular premium

Unfortunate death or diagnosis of terminal illness in Year 15. Rohit's family, the nominees, receive Sum Assured of

1 Crore.

For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Reliance Nippon Life Digi-Term Insurance Plan (UIN - 121N135V01)

Enhanced Life Secure

Under this option, your life cover increases by a simple rate of 5% p.a. at each policy anniversary subject to a maximum increase of 100% of Base Sum Assured chosen at inception. A lump sum benefit equal to Sum Assured on Death is payable, on the earlier of death or diagnosis of Terminal Illness during the Policy Term, provided the Policy is in force.

Event
On Death / Diagnosis of Terminal Illness
Benefit
Sum Assured on Death is paid as a lump sum benefit

Rishabh, aged 30, buys Reliance Nippon Life Digi-Term Insurance Plan, Enhanced Life Secure Option with a life cover of

50 Lakhs and Policy Term of 35 years.

Rishabh pays regular premium.

Unfortunate death or diagnosis of terminal illness in Year 15. Rishab's family, the nominees, receive Sum Assured of

85 Lakh.

For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Reliance Nippon Life Digi-Term Insurance Plan (UIN - 121N135V01)

Life & Income Secure (Level Income Benefit)

Under this option, a lump sum benefit equal to Sum Assured on Death, plus a monthly income for a period of 10 years is payable on the earlier of death or diagnosis of Terminal Illness during the Policy Term, provided the Policy is in force.

Event
On Death / Diagnosis of Terminal Illness
Benefit
Sum Assured on Death is paid as a lump sum benefit; plus

Level monthly income of 0.5% of Base Sum Assured for 10 years

Kishore, aged 27, buys Reliance Nippon Life Digi-Term Insurance Plan, Life & Income Secure (Level Income Benefit) Option with a life cover of

50 Lakhs and Policy Term of 35 years.

Kishore pays regular premium for 15 years.

Unfortunate death or diagnosis of terminal illness in Year 15. Kishore's family, the nominees, receive Sum Assured of

50 Lakhs. His family also gets a monthly income of

25,000 for the next 10 years. (Total monthly income paid over 10 years -

30 Lakhs)

For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Reliance Nippon Life Digi-Term Insurance Plan (UIN - 121N135V01)

Life & Income Secure (Increasing Income Benefit)

Under this option, a lump sum benefit equal to Sum Assured on Death, plus a monthly income of 0.5% of the Base Sum Assured, increasing at a simple rate of 10% p.a., for a period of 10 years is payable on the earlier of death or diagnosis of Terminal Illness during the Policy Term, provided the Policy is in force.

Event
On Death / Diagnosis of Terminal Illness
Benefit
Sum Assured on Death is paid as a lump sum benefit; plus

Increasing monthly income of 0.5% of Base Sum Assured increasing at a simple rate of 10% p.a. for 10 years

Kamal, aged 35, buys Reliance Nippon Life Digi-Term Insurance Plan, Life & Income Secure (Increasing Income Benefit) Option with a life cover of

1 Crore and Policy Term of 35 years.

Kamal pays regular premium for 15 years.

Unfortunate death or diagnosis of terminal illness in Year 15. Kamal's family, the nominees, receive Sum Assured of

1 Crore. His family also gets a monthly income of

50,000 in 1st year, increasing by 10% p.a. for 10 years. (Total monthly income paid over 10 years -

87 Lakhs)

For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Reliance Nippon Life Digi-Term Insurance Plan (UIN - 121N135V01)

Life Secure with Return of Premium (50%)

Under this option, a lump sum benefit equal to Sum Assured on Death is payable, on earlier of death or diagnosis of Terminal Illness during the Policy Term, provided the Policy is in force. On survival till the end of the Policy Term, you will receive a maturity benefit equal to 50% of the Total Premiums Paid.

Event
On Death / Diagnosis of Terminal Illness
Benefit
Sum Assured on Death is paid as a lump sum benefit
Maturity Benefit
50% of the Total Premiums Paid shall be payable on survival at maturity

Raghav, aged 35, buys Reliance Nippon Life Digi-Term Insurance Plan, Life Secure with Return of Premium (50%) Option with a life over of

1 Crore and Policy Term of 30 years.

Scenario 1 Unfortunate death or diagnosis of terminal illness during Policy Term. Raghav's family, the nominees, receive Sum Assured of

1 Crore and the policy terminates.

Scenario 2Raghav survives till the end of the Policy Term, he receives a maturity benefit of 50% of the Total Premiums Paid.

For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Reliance Nippon Life Digi-Term Insurance Plan (UIN - 121N135V01)

Life Secure with Return of Premium (100%)

Event
On Death / Diagnosis of Terminal Illness
Benefit
Sum Assured on Death is paid as a lump sum benefit
Maturity Benefit
100% of the Total Premiums Paid shall be payable on survival at maturity

Raghav, aged 35, buys Reliance Nippon Life Digi-Term Insurance Plan, Life Secure with Return of Premium (100%) Option with a life cover of

50 Lakhs and Policy Term of 25 years.

Scenario 1Unfortunate death or diagnosis of terminal illness during Policy Term. Raghav's family, the nominees, receive Sum Assured of

50 Lakhs and the policy terminates.

Scenario 2Raghav survives till the end of the Policy Term, he receives a maturity benefit of 100% of the Total Premiums Paid.

For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Reliance Nippon Life Digi-Term Insurance Plan (UIN - 121N135V01)

Whole Life Secure

Under this option, you are insured for Whole of Life. A lump sum benefit equal to the Sum Assured on Death is payable, on the earlier of death or diagnosis of Terminal Illness during the Policy Term, provided the Policy is in force.

Event
On Death / Diagnosis of Terminal Illness
Benefit
Sum Assured on Death is paid as a lump sum benefit

Rajeev, aged 27, buys Reliance Nippon Life Digi-Term Insurance Plan, Whole Life Secure Option with a life cover of

50 Lakhs.

Rajeev pays premiums till the age of 65.

Unfortunate death at age 80. His family, the nominees receive sum assured of

50 Lakhs

For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Reliance Nippon Life Digi-Term Insurance Plan (UIN - 121N135V01)

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Reliance Nippon Life Insurance Company Limited (formerly known as Reliance Life Insurance Company Limited), Regd Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai, Maharashtra - 400710, India. Insurance is the subject matter of the solicitation. Reliance Nippon Life Insurance Company Limited is licensed life insurance company registered with the Insurance Regulatory and Development Authority (Registration No: 121) in accordance with the provisions of the Insurance Act 1938. Trade logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited & Nippon Life Insurance Company and used by Reliance Nippon Life Insurance Company Limited under license. For more details on the risk factors, term and conditions please read the product brochure carefully before concluding the sale.

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Life insurance as protection

Life insurance as an investment

Life insurance for saving tax

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