BAJAJ ALLIANZ SMART INSURANCE PLAN

About Policy :
Bajaj Allianz Insurance Company Limited introduced the new policy in December-2010 that is related to health that is Smart Insurance Plan III. And this is completely based or depended on a unit link insurance plan.

Insurance Details :
Bajaj Allianz Smart Insurance Plan III minimum age of entry is 1 years and maximum 60 years (18 years in case of additional rider benefits), minimum 18 years and maximum 75 years for maturity, policy term is 10, 15 and 20 years.
Rs.50,000 per yearly, half-yearly and quaterly installment and Rs.17,000 per monthly installments are available. Maximum regular premium is No Limits.
Minimum premium paying term is 6 years to maximum as per policy term.
Minimum top up to premium is Rs.5,000 and maximum is no limits.
minimum sum assured is below 45 years : 10 times annualized premium, 45 years and above 7 times annualized premium amount.
and policy term times annualized premium. if any rider has been opted then maximum sum assured shall be same as the minimum sum assured.

Charges for Premium allocation :
year 1 is 9%
year 2 to 5 is 6%
year 6 to 15 is 2%
year 16 onwards is 0%.

Policy Administration Charges :
Rs.480 per annum, inflating at 5% per annum. This charge will be deducted at each monthly anniversary by cancellation of units.

Fund Management Charges :
1.35% for equity growth fund II, Accelerator Mid-Cap Fund II and Pure stock fund, 1.25% for asset allocation and Bluechip equity fund, 0.95% for liquid fund and bond fund
This charge would be adjusted in unit price.

Switching charges are Nill, the plan offers unlimited free switches.

Discontinuance chages are as per rules and regulations.

Miscellaneous Charge :
The miscellaneious charge would be charged at the rate of Rs.100/- per transaction in respect of alteration of premium mode, change in premium paying term, request for change in premium apportionment, partial withdrawal, decrease in sum assured or issurance of copy of policy document.

Service Tax on charges :
Service tax will be applicable to mortality charge, rider premium charge (If any) and fund management charges.

Tax Benefits :
The premium paid under this plan will be eligible for tax benefits under section 80D of the Income Tax Act, 1961.

And you have 15 days fee look period also.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch office or visit on www.bajajallianz.com or contact me on : +91-98860-43598.

BAJAJ ALLIANZ SHIELD INSURANCE

About Policy :
Bajaj Allianz Insurance Company Limited introduced the new policy in September-2010 that is related to money growth that is Shield Insurance Plan. And this is completely based or depended on a unit link insurance plan.

Insurance Details :
Bajaj Allianz Smart Insurance Plan III minimum age of entry is 8 years and maximum 65 years (18 years in case of additional rider benefits), minimum 18 years and maximum 75 years for maturity, policy term is 10 years.
Rs.25,000 minimum single premium per year, Maximum single premium is No Limits.
Minimum top up to premium is Rs.5,000.
Minimum sum assured as per age at entry is 8 to 44 years is 1.25 times single premium amount. Minimum sum assured as per age at entry 45-65 years is 1.10 times of single premium amount.
Maximum sum assured as per age at entry is 8 to 55 years is 5 times single premium amount. Minimum sum assured as per age at entry 56-65 years is 1.1 times of single premium amount.
Riders are Unlimited accidental death benefits.
Unlimited accidental permanent total or partial disability benefits.

Charges for Premium allocation :
Single premium is 3%
Top up premiums 2%

Policy Administration Charges :
Rs.6000 per annum, inflating at 1.90% of single premium for the first 5 policy years and 0.85% of single premium capped to Rs.6,000 per annum from the 6th policy year.

Fund Management Charges :
1.35% for Shield Plus Fund III
1.35% for Growth Plus Fund III
1.35% for Equity Growth Fund II
1.35% for Accelerator Mid Cap Fund II
1.35% for Pure Stock Fund
1.25% for Asset allocation Fund
1.25% for Bluechip equity Fund III
0.95% for Liquid Fund
0.95% for Bond Fund
above shown all fund management charges are related to per annum and it would be adjusted it unit price.

Fund Access Loan: Loan in not available under this plan.

Switching charges are Nill, the plan offers unlimited free switches.

Surrender Charges are also Nil.

Miscellaneous charges are like Rs.100 per transaction in respect of decrease in sum assured, partial withdrawal and issuance of copy of policy documents.

Service Tax on charges :
Service tax will be applicable to mortality charge, rider premium charge and fund management charges.

Tax Benefits :
The premium paid under this plan will be eligible for tax benefits under section 80C and surrender value are eligible for tax benefits under section 10(10)D of the Income Tax Act, 1961.

And you have 15 days fee look period also.

Key Features of Policy :
Single Premium plan with a fixed term of 10 years.
Choice of 9 investment funds to invest in as per your risk appetite including shield plus fund III.
Shield plus fund III offers guarantee of minimum unit price at maturity.
Refund of up to 6% of the single premium at maturity as guaranteed addition.
Flexibility to pay unlimited top-up premium and make partial withdrawals.
Flexibility to decrease your sum assured.
Unlimited free switches.
Optional additional rider benefits to enhance your protection.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch office or visit on www.bajajallianz.com or contact me on : +91-98860-43598.

BAJAJ ALLIANZ SAVE PLUS INSURANCE

About Policy :
Bajaj Allianz Insurance Company Limited introduced the new policy in June-2008 that is related to money growth that is Save Plus Insurance Plan.

This one policy is a non linked Non participating group term assurance plan with systematic savings.

Key Features :
Life Insurance Cover plus additional rider benefit cover if opted, at nominal cost through a group term insurance.
Flexibility of complete surrender of individual account at market value subject to the surrender penalty during first three years.
Minimum guaranteed surrender value equal to 70% of the account value subject to applicable surrender penalty.

Snapshot of the Plan Details :
Available for groups : Employer or employee or non employer or employee such as associates or co-operative or affinity groups.
Minimum Group Size : 50 members group.
Minimum Participation : Minimum participation is 75% but subject to minimum group size of 50 members.
Minimum 18 and Maximum age 65 years of entry limits.
Minimum term for the group policyholder is 5 years.
Minimum policy term for individual members :
Employer-Employee groups : 5 years or upto retirement age or attained age of 70 years whichever is earlier.
Non-Employer or employee groups : 5 years or attained age of 70 years, whichever is earlier.
Maximum policy term for individual members :
Employer-Employee groups : Upto retirement age or attained age of 70 years whichever is earlier.
Non-Employer or employee groups : Attained age of 70 years.
Minimum Rs.10,000/- and maximum Rs.2,00,00,000/- basic sum assured.
Minimum and maximum premium : Yearly 1200/-, Half yearly 612/-, Quarterly 312/- and Monthly premium is 108/- and Maximum premium amount is unlimited.
Frequency Factor : Monthly : 0.09, Quarterly : 0.26, Half Yearly : 0.51.
Riders : Group Accidental Death Benefit, Group Accidental Total or partial disability benefits.
Death Benefits : Sum Assured plus account value.
Maturity Benefits : The account value subject to the minimum maturity guarantee, which is the total net premiums paid till maturity date provided all due premiums have been paid by the policyholder for respective members.
Surrender Benefits : The Account value subject to the market value adjustment as applicable on the date of such closure less surrender penalty subject to minimum guaranteed surrender value.

Surrender Penalty :
Surrender Penalty as percentage of account value is as follows :
1st Year 6%
2nd Year 4%
3rd Year 2%
4th Year onwards it is NIL.

Scheme administration charges :
Scheme administration fee will be deductible from the individual account.
1% of net premium per annum as and when premium is paid.
1.25% of account value at the end of each financial year, after adjusting the account value for the investment returns.

Minimum Guarantee on Maturity :
The minimum maturity guarantee is the total net premiums paid till maturity date.

Tax Benefits :
The premium paid under this plan will be eligible for tax benefits under section 80D of the Income Tax Act, 1961.

And you have 15 days fee look period also.

If you want to purchase this policy and 50 members group please contact your nearest Bajaj Allianz Life Insurance Branch office or visit on www.bajajallianz.com or contact me on : +91-98860-43598.

SUMMER CAMP (CBSE COACHING CLASSES IN GULBARGA)

About Coaching Classes :
Here in Gulbarga City opened one of the CBSE training institute that is Pratibha Coaching Classes in Gulbarga. This is a summer camp classes. Proprietor of this coaching classes Mr.Ravi and Mrs. Jyoti R.M.

Dear Parents :
Here is an opportunity to improve your child’s knowledge ability self confidence intercoms and external learning honesty and diligence in our pratibha coaching classes.

Dear Students / Friends :
If you there is an Engineer, Doctor, Scientist and an IIT cian. In us there is a fabricator. We are sure to mould your minds and shape your dreams. Let us all assemble to gamble with a preamble to become successful and to bring to our parents and country a laurel.

Our summer vacation coaching for class X CBSE syllabus.

Commence as :
1st Batch starting on 10th April to 15the May 2011.
2nd Batch starting on 20th April to 25th May 2011.

for the students of Navodaya, Kendriy aVidyalayas, Sainiks and all CBSE Syllabus schools.

We are the Poinears in the following subject
Xth Class, Maths, Science, Social Science

Highilights of the Pratibha Coaching Classes.

1. LCD Based Coaching classes.
2. Well prepared course curriculum.
3. Highly experienced teaching faculty in CBSE syllabus.
4. Practical demonstration.
5. Weekly Tests.
6. Elaborate information on project works.
7. Well prepared study material with question book.
8. Boarding and lodging facility separately for boys and girls.

Fees Details :
Rs.8500/- including boarding and lodging.
Rs.6000/- Excluding boarding and lodging.

Contact for Application :
Mr.Ravi M.Sc., B.Ed.,
Cell No.9900770615
Mrs. Joyti R.M.
Cell No. 9448604048

Venue of class :
Maharashi Vidya Mandir
Annapurneshwar Colony, Shahabad Road, Gulbarga-585105.

Note : Our rule is first come first serve, if you are late you will miss the train.

BAJAJ ALLIANZ MAX ADVANTAGE INSURANCE PLAN

About Policy :
Bajaj Allianz Insurance Company Limited introduced this one policy in August-2010 that is related to protection to your money that is Max Advantage Insurance Plan. And this is completely based or depended on a unit link insurance plan.

Insurance Details :
Bajaj Allianz Max Advantage Insurance Plan minimum age of entry is 8 years and maximum 60 years, minimum 18 years and maximum 70 years for maturity, policy term is 10 years. Premium payment terms 5 to 7 years.
Rs.25,000 minimum per yearly premium term.
Premium payment Frequency Annual Only.
Maximum Regular Premium is Rs.2,00,000/-.
Minimum top up to premium is Rs.5,000 and Maximum top up premium amount is un limited.
Minimum sum assured 10 times of Annualized premium amount for below 45 years age. Minimum sum assured 7 times of Annualized premium amount for 45 years and above age.
Maximum sum assured as per 10 times of annualized premium amount.

Charges for Premium allocation :
1st Year premium 10%
2 to 5 year premium 3.75%.
Above 6 years 0%.
All top ups have a premium allocation charge of 2%.

Policy Administration Charges :
1st Policy year is NIL, 2nd onward 3% per annum of the annual premium amount. This charge will be deducted at each monthly anniversary by cancellation of units at the prevailing unit price.

Fund Management Charges :
1.25% for Max Gain Fund II
1.25% for Asset Allocation and Equity Index Fund II
0.95% for liquid fund and bonds Fund
This charge would be adjusted it unit price.

Guarantee Charges : The Guarantee charges of 0.25% per annum is applicable to Max Gain Fund II. This charge would be adjusted in the unit price.

Fund Access Loan : Loan is not available under this plan.

Switching charges are Nill, the plan offers unlimited free switches.

Discontinuance charges are as per policy terms and conditions.

Miscellaneious charges : Rs.100/- per transaction in respect of change in premium payment term, partial withdrawal or issuance of copy of policy document shall be charged.

Service Tax on charges :
Service tax will be applicable to mortality charge, rider premium charge and guarantee charges.

Tax Benefits :
The premium paid under this plan will be eligible for tax benefits under section 80C and death benefit and surrender value are eligible for tax benefits under section 10(10)D of the Income Tax Act, 1961.

And you have 15 days fee look period also.

Key Features of Policy :
Highest unit price guaranteed at maturity for the investments held in the Max Gain Fund II.
Refund of 60% of total allocation charge at maturity as guaranteed addition.
Option to select premium payment term of 5 to 7 years at inception.
Option to change the premium payment term.
Additional sum assured in case of accidental death.
Choice of 5 investment funds to invest in as per your risk appetite.
Flexibility to pay unlimited top-up premium and make partial withdrawals.
Unlimited free switches in funds other than Max Gain Fund II.

If you are purchased this policy this policy option to buy multiple policies to have a better control on your investment. Advantages of Highest NAV is back with this policy, Maximum protection, Maximum Gain, Maximum Flexibilities in this policy.

If you want to purchase this policy please contact your nearest Bajaj Allianz Life Insurance Branch office or visit on www.bajajallianz.com or contact me on : +91-98860-43598.