Our Founder

Few men in history have made as dramatic a contribution to their country’s economic
fortunes as did the founder of Reliance, Shri. Dhirubhai H Ambani. Fewer still have left
behind a legacy that is more enduring and timeless.

As with all great pioneers, there is more than one unique way of describing the true genius of
Dhirubhai: The corporate visionary, the unmatched strategist, the proud patriot, the leader of
men, the architect of India’s capital markets, the champion of shareholder interest.

But the role Dhirubhai cherished most was perhaps that of India’s greatest wealth creator. In
one lifetime, he built, starting from the proverbial scratch, India’s largest private sector
enterprise.

When Dhirubhai embarked on his first business venture, he had a seed capital of barely US$
300 (around `14,000). Over the next three and a half decades, he converted this fledgling
enterprise into a ` 60,000 crore colossus—an achievement which earned Reliance a place
on the global Fortune 500 list, the first ever Indian private company to do so.

Dhirubhai is widely regarded as the father of India’s capital markets. In 1977, when Reliance
Textile Industries Limited first went public, the Indian stock market was a place patronised by
a small club of elite investors which dabbled in a handful of stocks.

Undaunted, Dhirubhai managed to convince a large number of first-time retail investors to

participate in the unfolding Reliance story and put their hard-earned money in the Reliance
Textile IPO, promising them, in exchange for their trust, substantial return on their
investments. It was to be the start of one of great stories of mutual respect and reciprocal
gain in the Indian markets.

Under Dhirubhai’s extraordinary vision and leadership, Reliance scripted one of the greatest
growth stories in corporate history anywhere in the world, and went on to become India’s
largest private sector enterprise.

Through out this amazing journey, Dhirubhai always kept the interests of the ordinary
shareholder uppermost in mind, in the process making millionaires out of many of the initial
investors in the Reliance stock, and creating one of the world’s largest shareholder families.

About Reliance Life Insurance

Reliance Life Insurance offers you products that fulfill your savings and protection needs.
Our aim is to emerge as a transnational Life Insurer of global scale and standard.

Reliance Life Insurance is an associate company of Reliance Capital Ltd., a part of Reliance
Group. Reliance Capital is one of India’s leading private sector financial services companies,
and ranks among the top 3 private sector financial services and banking companies, in terms
of net worth. Reliance Capital has interests in asset management and mutual funds, stock
broking, life and general insurance, proprietary investments, private equity and other
activities in financial services.

Reliance Group also has presence in Communications, Energy, Natural Resources, Media,

Entertainment, Healthcare and Infrastructure.
Achievements

 3rd largest private player in a span of just 4 years, moved from 11th position to 3rd

 Amongst the fastest growing Companies for 4 years in a row

 Continuous increase in market share over 4 years; from 1.9% in 2005-06 to

10.26% in 2009 -10

 RLIC has achieved a growth rate of 21% while the private industry has grown at
13%

 Fastest to reach the 5 million policy mark

 Largest private insurer in terms of policy count in 2009-10

 1145 branches 1,95,000 Advisors and over 16,000 employees

 RLIC continues to be amongst the foremost Life Insurance companies in India to

be certified ISO 9001:2000 for all the processes.

 Awarded the Jamnalal Bajaj Uchit Vyavahar Puraskar 2007- Certificate of Merit

in the Financial Services category by Council for Fair Business Practices (CFBP).

 The Company has also won the DL Shah Quality Council of India

Commendation Award in the services category in feb 2008 for its work on
promoting 'self help channels for service' 

A variable life insurance plan (VLIP) combines investment and insurance, just

like a unit-linked insurance plan (ULIP). Variable life insurance schemes offer
flexibility in the ratio of mortality and savings components.

These plans also offer more clearness, simplicity, quick liquidity, guaranteed
minimum returns, transparent charges and ample risk cover. This type of life
insurance allows you to contribute in several investment options simultaneously
targeting your premiums to separate accounts.

Generally, the optional investment funds include stocks, bonds, money market
funds, equity funds, or a mixture of them all. Variable Life Insurance allows you
to switch from one sub-account to another.

You can also apply the interest earned on these investments toward the
premium, reducing the amount you pay. In a going away from the ULIPs, the
returns are declared by insurance companies annually and are not linked to the
stock market.

One part of the premium is allocated to buy life insurance. The balance is
invested in bonds or equities. The premium amount cannot be changed in the
course of the policy, but the death benefit and savings element can be reviewed
and altered as the policyholder’s circumstances change.
You can increase your insurance protection and decrease the investment
component, or vice versa. Another feature of this plan is that it does not get
automatically cancelled if the policyholder fails to pay the premiums as long as
the premiums paid till date meet policy requirements. Under the plans, the
premiums paid by the holder, after deduction of charges, will be credited to the
account maintained separately for each policyholder.

If all due premiums are paid, the amount held in the policyholder’s
account will earn an annual interest which will be guaranteed for
the entire policy term. In addition to this guaranteed return, if all
due premiums are paid; the individual policyholder’s account may
earn an additional return depending upon the experience under the
plan.

There is an option to pay additional (top-up) premiums without any increase in

risk cover to the extent of total basic premiums paid under the policy. The
premiums can be paid regularly at yearly, half-yearly, quarterly or monthly
(through ECS mode only) intervals over the term of the policy. The sum assured
ranges from 10 to 30 times the annualized premium, depending on age of entry.

There are two types of variable life insurance plans – participating and non-
participating. Participating plans offer a guaranteed return, while
nonparticipating plans offer an annual bonus at the end of each financial year in
addition to guaranteed returns.

The minimum sum assured is Rs 50,000 or 10 times the annualized premium,

whichever is higher for entry at the age below 45 years. After that age, the
maximum is Rs 50,000 or 7 times the annualized premium.

Top-up premium is allowed throughout the term. In case the insured decides to
increase his contribution through a onetime top-up, a maximum of up to 3
percent charges may be deducted from the top-up. The product also provides for
loans up to 60(%) percent of the balance at a specific rate of interest.

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 About Reliance Life Insurance
 Reliance Life Insurance offers you products that fulfill your savings and protection
needs. Our aim is to emerge as a transnational Life Insurer of global scale and
standard.
 Reliance Life Insurance is an associate company of Reliance Capital Ltd., a part of
Reliance Group. Reliance Capital is one of India’s leading private sector financial
 services companies, and ranks among the top 3 private sector financial services
and banking companies, in terms of net worth. Reliance Capital has interests in
asset management and mutual funds, stock broking, life and general insurance,
proprietary investments, private equity and other activities in financial services.
 Reliance Group also has presence in Communications, Energy, Natural
Resources, Media, Entertainment, Healthcare and Infrastructure.

Achievements

 3rd largest private player in a span of just 4 years, moved from 11th position to 3rd

 Amongst the fastest growing Companies for 4 years in a row

 Continuous increase in market share over 4 years; from 1.9% in 2005-06 to

10.26% in 2009 -10

 RLIC has achieved a growth rate of 21% while the private industry has grown at
13%

 Fastest to reach the 5 million policy mark

 Largest private insurer in terms of policy count in 2009-10

 1145 branches 1,95,000 Advisors and over 16,000 employees

 RLIC continues to be amongst the foremost Life Insurance companies in India to

be certified ISO 9001:2000 for all the processes.

 Awarded the Jamnalal Bajaj Uchit Vyavahar Puraskar 2007- Certificate of Merit

in the Financial Services category by Council for Fair Business Practices (CFBP).

 The Company has also won the DL Shah Quality Council of India

Commendation Award in the services category in feb 2008 for its work on
promoting 'self help channels for service' 

Vision & Mission

Vision

Empowering everyone live their dreams.

Mission

Create unmatched value for everyone through dependable, effective, transparent and
profitable life insurance and pension plans.

Our Goal

Reliance Life Insurance would strive hard to achieve the 3 goals mentioned below:

 Emerge as transnational Life Insurer of global scale and standard

 Create best value for Customers, Shareholders and all Stake holders
  Achieve impeccable reputation and credentials through best business practices.

Savings & Investment Plans

In life, you have always given your family whatever they have
wanted. Yet, there are some promises you have to fulfil, such as
taking your family for a vacation, or buying that dream house.

Set aside some money to achieve these specific goals with the
help of Reliance Savings & Investment Plans. The plan allows
you to experience the joys of life and provide for your family’s
needs.

Enjoy life without worrying about the promises you have made—
we are here to fulfil them.

Savings & Investment Plans

Reliance Life Insurance Pay Five Plan

Reliance Life Insurance Co. Ltd. offers one such plan that
helps you achieve all that you have wished for by paying just
5 annual premiums and reap benefits for as long as 15
yearsRead More

Reliance Life Insurance Classic Plan – Limited Premium

To keep pace in the race of life where financial planning is
one of the key requirements, it is imperative that you move
fast and act smart...Read More

Reliance Life Insurance Money Multiplier Plan

You want to do everything you can to protect the people you
care about. But what’s the best way to protect your family
and loved ones from financial consequences now and in your
absence? ...Read More

Reliance Life Insurance Highest NAV Advantage Plan

Reliance Life Insurance Highest NAV Advantage Plan not only
provides insurance protection but also introduces certainty to
your investments.Read More
Reliance Life Insurance Classic Plan
To keep pace in the race of life where financial planning is
one of the key requirements, it is imperative that you move
fast and act smart...Read More

Reliance Cash Flow Plan

Invest in the Reliance Cash Flow Plan and reap the dual
benefits of a life insurance plan and easy liquidity through
lump sum cash, which means you can get a percentage of the
Sum Assured at periodic intervals...Read More

Reliance Endowment Plan

The Reliance Endowment Plan gives you financial
independence by allowing you to decide the amount of Sum
Assured based on your current financial position and
expected future expenses… Dream!!...Read More

Reliance Super Five Plus

Imagine an endowment plan that protects you for a certain
period even after you have received your lump sum—that is
exactly what the Reliance Super Five Plus offers you with
other added benefits..Read More

Reliance Whole Life Plan

Give your family a lifetime of timely financial support by
investing in the Reliance Whole Life Plan. This will help you
enjoy your life to the fullest...Read More

Reliance Connect 2 Life Plan

The Reliance Connect 2 Life Plan gives you the option to
upgrade your life cover to keep pace with your changing
lifestyle. As your income grows, your family will have
sufficient cover... Read More
Reliance Total Investment Plan Series II - Pension 
total investment, total flexibility.

The following series i.e ,'Silver', ' Gold', 'Diamond' & 'Platinum'
available under the Reliance Total Investment Plan -Series II
Pension (UIN No. 121L030V01)can be purchased only by those
customers who have purchased this plan on or before December
31, 2009

Often we notice in our own lives and those of others, how the smallest
alteration makes us change our dreams. And sometimes, we are even
forced to let go of these very dreams that have been the cause of hope
and happiness in our lives. All of us desire a security, a security that will
not just help us hold on to our dreams, but also make them larger and
fulfill them. It is this security that Reliance Life Insurance Company
Limited promises to bring to you with its Total Investment Plan Series II
Pension. To know more, read further…

We value your dreams in this journey of life. Reliance Total Investment

Plan Series- II Pension (TIPS-II Pension) are the eyes to let you see
them becoming reality.

Your need for investment keeps changing at different stages of life. We

promise to walk through every need with you in the span spent with us
and ever beyond that and so on…

Whether it is start of your career, your marriage, birth of child, education

of children, their marriage, your old age requirements everywhere you
would find Reliance Total Investment Plan Series II- Pension assisting
you financially and thereby providing relief mentally too in totality.

Utilize our multifarious flexibility options at par as per your convenience.

As you progress on this ladder of life we provide you the platform to

increase your investment component. With the Reliance TIPS- II
Pension you can meet all your financial needs, without the complexity of
managing multiple products.

Key Features

This is a Single premium unit linked pension plan with options to

purchase the same plan with reduced allocation charges in subsequent
policy years. Since more premium is allocated towards investment due
to lower allocation charges on subsequent purchases greater would be
the returns. Purchasing the same plan in the subsequent years is an
option.

1st purchase would be called as “Classic”

2nd purchase would be called as “Silver”

3rd purchase would be called as “Gold”

4th purchase would be called as “Diamond”

5th purchase would be called as “Platinum”

Once the client purchases the first policy there will full flexibility for the
client as to when second and subsequent purchase can be made and
how much premium should be paid for each purchase subject to the
following -

1. The minimum premium on each purchase should be at

least ` 25,000.
2. The maturity date on each purchase cannot exceed 70 years.
3. All the polices should mature on maturity date of the first purchase.
4. The term of the polices purchased during second, third, fourth and
fifth policy years will be 9, 8, 7 and 6 respectively.
5. New policy can be purchased only if all the previous polices are in
force on the date of purchase of new policy.

Plan Objective :

The pace setter plan with unmatched flexibility which gives

Tax benefit under Sec. 80CCC of Income Tax Act 1961

Investment opportunity with flexibility
Control over your investments

Disclaimer
The following series i.e ,'Silver', ' Gold', 'Diamond' &
'Platinum' available under the Reliance Total Investment
Plan -Series II Pension (UIN No. 121L030V01)can be
purchased only by those customers who have purchased
this plan on or before December 31, 2009
For more details on risk factors, terms and conditions please
read sales brochure carefully before concluding a sale
UIN for Reliance Total Investment Plan Series II - Pension:
121L030V01
