NHIT - The Ninteen Hours IT Private Limited - Titans of Software Development, Web Design and Development, BPO, Education and Finance

Life Insurance

As individuals it is inherent to differ. Each individual’s insurance needs and requirements are different from that of the others. LIC’s Insurance Plans are policies that talk to you individually and give you the most suitable options that can fit your requirement.

LIC’s Jeevan ANURAG is a with profits plan specifically designed to take care of the educational needs of children. The plan can be taken by a parent on his or her own life. Benefits under the plan are payable at prespecified durations irrespective of whether the Life Assured survives to the end of the policy term or dies during the term of the policy. In addition, this plan also provides for an immediate payment of Basic Sum Assured amount on death of the Life Assured during the term of the policy.

Assured Benefit

Payment of 20% of the Basic Sum Assured at the start of every year during last 3 policy years before maturity. At maturity, 40% of the Basic Sum Assured along with reversionary bonuses declared from time to time on full Sum Assured for the full term and the Terminal bonus, if any shall be payable. For example, if term of the policy is 20 years, 20% of the Sum assured will be payable at the end of the 17th,18th, 19th year and 40% of the Sum Assured along with the reversionary bonuses and the terminal bonus, if any, at the end of the 20th year.

Death Benefit

Payment of an amount equal to Sum Assured under the basic plan immediately on the death of the life assured.

At HDFC Standard Life, we offer a bouquet of insurance solutions to meet every need. We cater to both, individuals as well as to companies looking to provide benefits to their employees. This section gives you details of all our products. We have incorporated various downloadable forms and product details so that you can make an informed choice about buying a policy.

For individuals, we have a range of protection, investment, pension and savings plans that assist and nurture dreams apart from providing protection. You can choose from a range of products to suit your life-stage and needs.

For organisations we have a host of customised solutions that range from Group Term Insurance, Gratuity, Leave Encashment and Superannuation Products. These affordable plans apart from providing long term value to the employees help in enhancing goodwill of the company.

Every Indian, whether resident in India or an NRI, looks forward to the need to feel secure, to care for the loved ones and to provide for old age. The need is felt more when you’re away from your homeland.

We, at SBI Life, understand this need. The feeling to do something for your loved ones. The urge to let them know that you care. Just why we’ve introduced the NRI Insurance Services. Now, you can wisely invest your hard - earned money in India. This will ensure smooth and safe future for your family

At SBI Life, we endeavor to set a benchmark in the liberalized life insurance industry in India by ensuring high standards of customer satisfaction and world-class efficiency offering our customers a comprehensive range of life insurance and pension products at competitive prices.

Our policies are formulated keeping in mind your needs at various stages of life; whether it is security for your family, higher education for your children, regular saving cum protection plan or life long pensions. This ensures smart investment of your hard earned money.

1.General Provisions

Reliance Life Insurance hereby grants users a revocable, nontransferable, nonexclusive right to use the Site solely for their use in accordance with this User Agreement. The foregoing permission has been granted to Users subject to their agreement to abide by this User Agreement, as well as any other rules, procedures, policies, terms and conditions governing the Site that may be displayed from time to time on the Site and to which Users will be bound. The information accessible on and via the Site is the property of Reliance Life Insurance, and is protected by copyright and other intellectual property and proprietary rights. Without limiting the foregoing of expanding any of their rights hereunder, users agree that they will not publish, broadcast, retransmit, reproduce, commercially exploit, create any derivative of or otherwise disseminate such information, the Site or any portion of the Site.

2. Ownership

The Site, its content and/or all intellectual property rights pertaining thereto (including but not limited to copyrights, patents, trademarks and service marks) are owned by Reliance Life Insurance, and all rights, title and interest therein and thereto shall remain the property of Reliance Life Insurance. Users agree not to remove any copyright, trademark or other proprietary notice or legend contained on the Site or its content (or printed copies thereof). Reliance Life Insurance and other names of Reliance Life Insurance products and/or services referenced herein, are exclusive trademarks of Reliance Life Insurance. Other product and company names and trademarks appearing in the Site are the trademarks of their respective owners. As part of their use and enjoyment of the Site, Users may from time to time upload or post commentary, data, information and the content (the "Posted Content"). Users hereby grant Reliance Life Insurance an irrevocable, nonexclusive, transferable, sub licensable right to use the Posted Content, with or without other elements, and without or without attribution to Users, partly or wholly, and in each and every way related to Reliance Life Insurance business whether now or hereafter known or practiced.

3. Facilities

The Website basically provides for the users, the following information:

1. Reliance Life Insurance's Corporate information

2. Reliance Life Insurance's Life Insurance Products information

3. Reliance Life Insurance's HR Philosophy

4. Reliance Life Insurance Office Locations, addresses and contact information

4. Email Facility

However due to the nature of internet environment, email facility is at the discretion of the site, but every effort will be made for continued provision. Overall, Reliance Life Insurance cannot guarantee the reliability and consistency of the email services as these services are dependent on many hardware and software issues, over which Reliance Life Insurance has totally no control.

5. Indemnity

The Users agree to indemnify, defend and hold harmless Reliance Life Insurance and its affiliates from and against any and all suits, losses, claims, demands, liabilities, damages, costs and expenses (including reasonable attorney's fees) arising from or relating to (i) their use of the Site; (ii) their breach of this User Agreement or any representations, warranties or covenants made by them herein; or (iii) their violation of any applicable law, statute, ordinance, regulation or any third party's rights. This obligation survives the termination of this User Agreement.

Kotak Mahindra Old Mutual Life Insurance Ltd. (KLI)

Details Required: Please complete all details as requested for on the screen carefully and as per the latest premium information received from KLI. A sample bill is shown on the screen for reference.

Policy Number: This is the 12 digit Policy Number which is the unique number allotted to you by KLI. (For eg: 000000123456)

Client Code: This is the unique id assigned to you by KLI (For eg: A1234567)

Due Date: Please enter date in dd/mm/yyyy format. KLI will not accept payments made online after the due date.

Premium Amount: The renewal premium notice will always have the Premium Amount for the relevant period. If there is a lapse or you make an extra payment, this will have to be adjusted with KLI directly by you. KLI will not accept part payments online.

Billing Frequency: KLI currently sends premium payment information about 30 days prior to premium payment due date.

Proof of Payment: For all payment made using Kotak Direct Pay and Payment Gateway services, you will get a confirmation screen showing details of the payments made. Additionally in your Statement of Accounts, all online Insurance premium payments will reflect. For example a payment of Rs 1254.36 towards a Kotak Life Insurance Policy No. 000001234567 to Kotak Life Insurance on 15th of December 2004, will appear as - <<15/12/2004 DP KotakLife 000001234567 xxxxxxxxxx Rs 1254.36>> where xxxxxxxxxx is the unique Bank reference no. that will display on your payment confirmation screen.

Disputes: In case of any disputes that you may have relating to the amounts billed to you, you will need to contact KLI directly. We will however definitely assist you in every possible manner to provide you with information on the payments that you have made.

Processing Time: We are responsible for ensuring that the payment as made by you using Kotak Direct Pay is sent to KLI by the next working day for all payments received before 5 pm on working days. However the time taken for your payment to reflect with KLI is dependant on time taken by Kotak Mahindra Old Mutual Life Insurance Ltd. to process the payment. You should ensure that you pay only your latest premium notice using Kotak Direct Pay and at least 2 working days before the due date as mentioned in your notice.

Charges: At present we are offering this service of making premium payments online absolutely free as a value added service for all our customers.

On the basis of which life stage you are in and the corresponding insurance needs, ICICI Prudential plans can be categorized into the following three types:

• Education Insurance Plans
• Wealth Creation Plans
• Premium Guarantee plans

Protection Plans

One of your most important responsibilities as a parent is to ensure that your child gets the best possible education that can be provided.

Education Insurance Plans

ICICI Prudential offers a wide portfolio of education insurance plans that are designed to provide peace of mind to you, as a parent, that your child's education will be secure. These plans ensure that money is made available at the crucial junctures in a child's education - Class X, Class XII, graduation and post-graduation - to fund crucial commitments for the child's future.

Importantly, education insurance plans ensure that in the unfortunate event of the death of a parent, the child's education continues unhampered.

Under the education insurance plans platform, ICICI Prudential brings the following products to you

Wealth Creation Plans

Wealth Creation Plans give the customer the dual benefit of protection along with the potentially higher returns of market-linked instruments. The most important benefit of ULIPs is the flexibility they give the customer in choosing the premium amount and also choosing the underlying fund in which this money is to be invested. Wealth creation plans also offer the customer more liquidity options as compared to traditional plans. As such, ULIPs are ideal for customers who want the protection of a life cover to be allied to the returns of market linked instrument – giving them an unmatched combination of benefits.

Under the wealth creation platform, ICICI Prudential brings the following products to you. Please click on the product name to know more about the plans.