Investment Plans - ING Flexi Life Plus

ING Flexi Life Plus is a unit linked insurance policy giving the dual benefit of insurance coverage & investment opportunity. It is a comprehensive plan that provides flexibility in premium contributions through payment modes with the option to increase or decrease of regular premiums. The plan allows you the choice of extending your life cover after payment of premiums for the first five years, the amount accumulated in your fund will be given as maturity benefit, while withdrawal facilities during the term will help you to meet financial contingencies. This plan also provides an Enhanced Accidental Protection Benefit, which provides additional benefit on death due to accident. You are allowed to make partial withdrawals during the policy term after the initial lock-in period of three years. For more details on risk factors, terms and conditions please read the Brochure and Benefit Illustration carefully before concluding a sale.

Key Benefits

Flexibility to increase / decrease the regular premium
Enhanced Accidental Protection Benefit
Cover continuation option

Product Features

Eligibility Criteria
Minimum age at entry : 0 years lbd (for entry ages below 12 years, risk cover commences from age 5 or 2 years from policy commencement date, whichever is later)
Maximum age at entry : 60 years
Minimum age at maturity : 18 years
Maximum age at maturity : 70 years
Policy Term : 10 / 20 years
Premium Paying Term : Same as policy term
Premium Payment Modes : Regular (Annual, Half-yearly, Quarterly, Monthly)
Top-up Premium : Minimum: Rs. 2,000
Sum Assured :Minimum: 6.25 times the annualized first policy year regular premium Maximum: 25 times of Annualized first policy year regular Premium subject to underwriting conditions
Minimum Premium Payable
Premium Amount
Yearly
Half-Yearly
Quarterly
Monthly
1st year
Rs.48,000/-
Rs.24,000/-
Rs.12,000/-
Rs.4,000/-
2nd year onwards
75% of 1st policy year premium
Top-Up Premium
Additional top-up premium subject to a minimum of Rs 2,000 over and above the regular premiums paid, without exceeding 25% of the total regular premiums paid.

Maximum premium
No limit, but subject to underwriting considerations for the first policy year but from the second policy year onwards the maximum premium payable would be 125% of the first policy year annualized premium on an annualised basis

Investment Plans - ING Flexi Life

ING Flexi Life is a unit linked insurance policy that combines the benefit of protection & investment opportunity. It is a great combination of flexibility in terms of mode and amount of premium payment and transparency in a single policy. You have the option to extend your protection coverage through rider options as well. The plan allows you the choice of extending your life cover after payment of premiums at least for three years. At the end of the term, the amount accumulated in your fund will be given as maturity benefit, while withdrawal facilities during the term will help you to meet financial contingencies. You are allowed to make partial withdrawals during the policy term after the initial lock-in period of three years. In a world where convenience is of utmost importance, it's easy to see how ING Flexi Life allows you the flexibility in securing your financial future. For more details on risk factors, terms and conditions please read the Brochure and Benefit Illustration carefully before concluding a sale.

Key Benefits

Flexibility to increase / decrease the regular premium
Flexibility in premium payment
Cover continuation option

Product Features

Eligibility Criteria
Minimum age at entry : 0 years lbd (for entry ages below 12 years, risk cover commences from age 5 or 2 years from policy commencement date, whichever is later)
Maximum age at entry : 60 years
Minimum age at maturity : 18 years
Maximum age at maturity : 70 years
Policy Term : Fixed –10 / 20 years
Premium Paying Term : Same as policy term
Premium Payment Modes : Regular (Annual, Half-yearly, Quarterly, Monthly)
Top-up Premium :Minimum: Rs. 2,000
Sum Assured :Minimum: 6.25 times the annualized premiumMaximum: 25 times of first year annualized premium
Minimum Premium Payable
Premium Amount
Yearly
Half-Yearly
Quarterly
Monthly
1st year
Rs.48,000/-
Rs.24,000/-
Rs.12,000/-
Rs.4,000/-
2nd year onwards
75% of 1st policy year premium
Top-Up Premium
Additional top-up premium subject to a minimum of Rs 2,000 over and above the regular premiums paid, without exceeding 25% of the total regular premiums paid.

Maximum premium Payable
No limit, but subject to underwriting considerations for the first policy year but from second policy years onwards the maximum premium payable would be 125% of the first policy year annualized premium on an annualised basis

ING Golden Life (Unit Linked Pension Plan)

My Retirement, My Way’
A retirement solution to help you realize the retired life of your choice, with a wide range of Benefits that are personalized to suit your needsThe ING Golden Life is a Unit Linked Pension plan. You need to choose the age at which you wish your pension should start (called the Vesting Age). The Policy plan allows you the convenience of choosing the Premium and the duration you wish to pay. It allows you to manage your investments as per your risk preference. You can opt to invest the Premiums amongst the Funds offered i.e. Pension Debt, Pension Equity or Pension Liquid OR you can choose the Life Stage Investment Program which automatically adjusts your Fund allocation to secure your investments as your retirement age approaches.For more details on risk factors, terms and conditions please read the Brochure and Benefit Illustration carefully before concluding a sale.

Key Benefits

Loyalty Units – to help grow your funds faster
Life Stage Investment Program – to manage investments as per your risk preference
Flexibility to choose your retirement age
Flexible Premium options
Flexibility to exercise the pension option on the chosen retirement age
Tax benefits under section 80C / 80CCC and 10(10A

Product Features

Eligibility
Under Regular Premium Option –
Minimum entry age: 18 yrs
Maximum entry age: 65 yrs
Under Single Premium Option –
Minimum entry age: 18 yrs
Maximum entry age: 70 yrs
Premium Payment Options
Single: One-timeRegular: Annual, half-yearly, quarterly or monthly
Minimum Premium Payable
Minimum Premium under Single premium option is Rs.45,000/-
For Minimum Premiums under Regular premium options please refer to the brochure
Minimum Top-Up is Rs.5,000/-
Vesting Age
Minimum Vesting Age: 45 years
Maximum Vesting Age: 75 years
Vesting Period
Under Single Premium Option –
Minimum: 5 yrs
Maximum: 57 yrs
Under Regular Premium Option –
Minimum: 10 yrs
Maximum: 57 yrs

ING Term Life - A Term Insurance Policy

ING Term Life - A Term Insurance Policy

'Let their dreams live’
You have always worked towards providing your family the best that life has to offer. After all, seeing your family happy and comfortable is a source of immense joy for you, as well. And ensuring your family continues to enjoy a comfortable lifestyle even in your absence is your top priority. ING Life Insurance offers you a simple and very economical way to achieve this objective, so your family can maintain a secure and good lifestyle, no matter what tomorrow may have in store.The ING Term Life is a Term Insurance Policy and is the simplest form of insurance, where the Life Assured is provided insurance cover and on his death during the policy term, the sum assured under the policy is paid to his beneficiary. What is more, the ING Term Life is one of the most affordable and inexpensive ways of obtaining life insurance cover.For more details on risk factors, terms and conditions please read the Brochure and Benefit Illustration carefully before concluding a sale.

Key Benefits
Protection Cover: Upwards of 10 lacs Sum Assured
Flexibility to choose a policy term between 10 and 30 years
Flexible Premium Paying Term: Single, Limited & Regular pay options
In the event of death of the LA during the policy term, the sum assured chosen under the policy shall be payable
Optional riders for comprehensive accidental coverage in regular payment option
Tax benefit under Sec. 80c and Sec. 10(10D) of the Income Tax Act 1961

Product Features

Eligibility
Minimum entry age : 18 years
Maximum entry age : 65 years
Maximum maturity age: 75 years
Sum Assured
The minimum sum assured you can opt under this plan is Rs.10 Lakhs.
Policy Term
You have the flexibility to choose a policy term between 10 and 30 years.
Premium Payment Terms
Regular premium - till policy term completion
Limited premium - 3 or 5 years
Single premium - is a one time payment
Premium Payment Options
Annual , Half-yearly , Quarterly or Monthly