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Reliance Nippon Life Insurance is one of India's largest private life insurance companies. Reliance Nippon offers a comprehensive range of life insurance plans that provide a protective shield for your loved ones, ensuring their future is secure and protected against life's uncertainties. Let’s learn more about Reliance Nippon Life Insurance, its benefits and plans.
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Reliance Nippon Life Insurance is one of the leading insurance companies in the Indian Private Sector. It offers various insurance products such as Protection, Savings & Investments, Retirement, ULIP, NRI term Insurance and Child Plans to help individuals and families protect their financial future in the event of life's uncertainties. You can check the premiums of Reliance Nippon life insurance plans online.
Term Plans
You should buy the Reliance Nippon Life Insurance plan for the following reasons:
Financial Security for Your Loved Ones: Reliance Nippon Life Insurance plans are designed to offer financial protection to your loved ones in the event of your unfortunate death. The payout from the life insurance plans can help your family maintain their lifestyle, cover essential expenses, and even achieve long-term financial goals like education and retirement.
Comprehensive Coverage Options: Reliance Nippon offers a wide range of insurance products tailored to suit various life stages and needs. Whether you're looking for pure protection with term insurance, wealth creation through investment-linked plans, or comprehensive coverage with a whole-life policy, Reliance Nippon has you covered. Their diverse portfolio ensures you can find a plan that aligns perfectly with your financial goals and requirements.
Guaranteed Returns: Reliance Nippon Life Insurance, particularly Savings and retirement plans, ensures you receive guaranteed returns when your plan matures. As you pay your premiums over time, your savings grow. Upon maturity, you can choose to receive this accumulated amount either as a one-time lump sum or as a regular income.
Affordable Premiums: Reliance Nippon Life Insurance offers comprehensive plans, like term insurance plans, at very affordable premiums, so that you can financially secure your loved ones without any hassle.
Tax Benefits: Opting for Reliance Nippon Life Insurance plans can also provide you with life insurance tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961. This means you can not only secure your financial future but also enjoy tax advantages while doing so, making Reliance Nippon a smart choice for your insurance needs.
The various life insurance policies in multiple segments offered by Reliance Nippon Life Insurance are as follows:
| Reliance Nippon Term Plans | Entry Age | Maturity Age | |
| Reliance Nippon Life Super Suraksha Plan | 18 to 65 years | 75 years | |
| Reliance Nippon Life Protection Plus Plan | 18 to 60 years | Whole life (100 years) | |
| Reliance Nippon Life Saral Jeevan Bima Plan | 18 to 65 years | 70 years |
Here are the key features of Reliance Nippon Life Super Suraksha Plan:
Financial security for your family in the event of an untimely demise.
Choose from 5 plan variants designed to meet your specific protection needs.
Opt for additional riders to enhance your protection coverage.
Take advantage of applicable tax benefits as per the Income Tax Act of 1961.
Here are the key features of Reliance Nippon Life Protection Plus Plan:
Affordable protection for your loved ones' financial security
Customized coverage based on your specific needs
Option to enhance your protection at key life milestones with an additional premium
Lower premiums available for non-tobacco consumers leading healthy lifestyles
Possible tax benefits in accordance with current income tax laws
Here are the key features of Reliance Nippon Life Saral Jeevan Bima Plan:
Financial security for your loved ones
Premium payment flexibility from among yearly, half-yearly or in monthly frequencies
Flexibility to pay your premiums once or for a limited period or throughout the policy term
Tax benefits may apply as per prevailing income tax laws
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| Reliance Nippon Savings Plans | Entry Age | Maturity Age | |
| Nippon Reliance Life Nischit Samrudhi Plus Plan | 0 to 60 years | 100 years | |
| Nippon Reliance Life Nischit Bhavishya Plan | 5 to 50 years | 92 years | |
| Reliance Nippon Life Smart Zindagi Plus Plan | 18 to 55 years | 85 years minus entry age | |
| Reliance Nippon Life Super Bachat Plus Suraksha Plan | 18 to 50 years | 70 years | |
| Reliance Nippon Life Milestone Plan | 0 to 60 years | 75 years |
Here are the key features of Nippon Reliance Life Nischit Samrudhi Plus Plan:
Premium Flexibility: Pay once or for 5/8/10/12 years, securing guaranteed benefits.
Family Protection: Life cover for the entire policy term.
Create a Legacy: Distribute wealth among loved ones with the lump sum maturity benefit.
Enhance Protection with Riders.
Tax Benefits: Possible advantages as per current tax laws; consult a tax advisor.
Here are the key features of Nippon Reliance Life Nischit Bhavishya Plan:
Two plan variants customized to your needs
High death cover during premium payment term
Flexibility to pay for 8, 10, or 12 years and enjoy benefits throughout the policy term
Increasing benefits to counter rising living costs
Enhanced protection with optional riders
Tax benefits according to prevailing tax laws
Here are the key features of Reliance Nippon Life Smart Zindagi Plus Plan:
Family protection with two plan variants
Deferred Income Variant: Lumpsum benefit at the end of Premium Payment Term, followed by Cash Bonus for retirement needs.
Immediate Income Variant: Immediate Cash Bonus to supplement family income.
Bonus flexibility options:
Immediate Payout
Convert to Paid Up Addition (PUA)
Legacy creation through a lumpsum Maturity Benefit.
Flexible premium payment for 10, 12, 15, or 20 years.
Comprehensive protection with the option to enhance coverage through Riders.
Applicable tax benefits under ITA 1961
Here are the key features of Reliance Nippon Life Super Bachat Plus Suraksha Plan:
Boost family protection with a death cover starting at 2 times or 1.5 times the Base Sum Assured, increasing over the policy term. Choose from two Plan Options.
Guaranteed Benefits include Loyalty Additions and Maturity Addition to enhance policy benefits.
Maturity Benefit provides a lump sum equal to Sum Assured on Maturity plus Guaranteed Loyalty Additions.
Applicable tax benefits under ITA 1961.
Here are the key features of Reliance Nippon Life Milestone Plan:
Lump sum savings at maturity for financial goals.
Waiver of Premium Benefit for continued protection.
Settlement Option for converting maturity payout into regular income.
Accrued bonus from the first year to boost savings.
Flexible premium payment terms of 5/7/8/10/12/15 years
Additional protection with riders available.
Tax benefits as per applicable income tax laws.
| Reliance Nippon ULIP Plans | Entry Age | Maturity Age | |
| Reliance Nippon Life Smart Savings Insurance Plan | 1 to 60 years | 70 years | |
| Reliance Nippon Life Prosperity Plus Plan | 1 to 60 years | 70 years | |
| Reliance Nippon Life Premier Wealth Insurance Plan | 30 days to 60 years | 70 years | |
| Reliance Nippon Life Classic Plan II | 7 to 60 years | 75 years |
Here are the key features of Reliance Nippon Life Smart Savings Insurance Plan:
Choose between 2 Plan Options:
Self-Managed Option: Directly control your investments.
Auto-Managed Option:
Target Maturity Option: Tailored solution with automatic asset allocation.
Life-Stage Option: Balance equity and debt based on life-stage.
Family Protection: Ensure at least seven times the Annualized Premium as life insurance cover throughout the Policy Term.
High Rewards:
Reduced charges for higher premium amounts.
Loyalty additions for choosing longer payment terms.
Boost fund value with Wealth Boosters over the long term.
Flexible Premium Payment: Customize payments for 5, 7, 10 years, or the entire Policy Term.
Liquidity: Address emergency fund needs through partial withdrawals.
Here are the key features of Reliance Nippon Life Prosperity Plus Plan:
Choose between 5 Plan Options:
Self-Managed Option: Directly control your investments.
Systematic Transfer Plan (STP): Manage volatility in equity markets.
Auto-Managed Option:
Target Maturity Option: Automatic asset allocation based on goal timeframe.
Life-Stage Option: Balance equity and debt based on life-stage.
Trigger Portfolio Option: Safely book potential gains with desired fund allocation.
Systematic Withdrawal Option: Access accumulated wealth as needed.
Minimal Charge Structure: No premium allocation charges and policy administration charge return at maturity.
Loyalty Additions: Boost your fund with Loyalty Additions after the 6th policy year until one year before maturity.
Return of Policy Administration Charges^: Total policy administration charges returned at maturity.
Premium Payment Flexibility: Customize payments - one-time, or for 5, 10, 15 years, or the entire policy term.
Here are the key features of Reliance Nippon Life Premier Wealth Insurance Plan:
Optimize wealth management and value in one plan.
Switch between active and auto-manage investing styles.
Earn rewards for long-term investment with wealth boosters.
Access investments in emergencies.
Enjoy tax benefits in line with prevailing tax laws.
Here are the key features of Reliance Nippon Life Classic Plan II:
Take control of your investments.
Safeguard your investment with life cover.
Flexible fund switching at your convenience.
Pay premiums according to your preference.
Enjoy tax benefits in accordance with current tax laws.
| Reliance Nippon Retirement Plans | Entry Age | Maturity Age | |
| Reliance Nippon Life Immediate Annuity Plan | 20 to 80 years | 80 years | |
| Reliance Nippon Life Smart Pension Plan | 18 to 65 years | 75 years | |
| Reliance Nippon Life Saral Pension Plan | 40 to 80 years | Whole Life |
Here are the key features of Reliance Nippon Life Immediate Annuity Plan:
Select a one-time lump sum amount for plan purchase.
Choose from 3 annuity payout options.
Flexible annuity payout modes: Monthly, Quarterly, Half-yearly, or Annually from the purchase date.
No medical tests required.
Here are the key features of Reliance Nippon Life Smart Pension Plan:
Build a retirement corpus for your golden years.
Set your retirement age.
Live independently and secure regular lifetime income.
Enjoy applicable tax benefits.
Here are the key features of Reliance Nippon Life Saral Pension Plan:
Secure guaranteed lifetime income by paying once.
Flexible annuity payout options: monthly, quarterly, half-yearly, or yearly.
Choose from two Annuity options:
Life Annuity with Return of 100% of Purchase Price (ROP): Lifetime income with Purchase Price returned to nominee on death.
Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP): Lifetime income for either you or your spouse, with Purchase Price returned to the nominee on the death of the last survivor.
Option to surrender the policy in case of specified critical illnesses.
Access a loan after 6 months from the plan's commencement.
Potential tax benefits as per prevailing income tax laws.
| Reliance Nippon Child Plans | Entry Age | Maturity Age | |
| Reliance Nippon Life Milestone Plan | 0 to 60 years | 75 years | |
| Reliance Nippon Life Guaranteed Money Back Plan | 18 to 58 years | 75 years |
Here are the key features of Reliance Nippon Life Milestone Plan:
Lump sum savings at maturity for financial goals.
Waiver of Premium Benefit for continued protection.
Settlement Option for converting maturity payout into regular income.
Accrued bonus from the first year to boost savings.
Flexible premium payment terms of 5/7/8/10/12/15 years.
Additional protection with riders available.
Tax benefits as per applicable income tax laws.
Here are the key features of Reliance Nippon Life Guaranteed Money Back Plan:
Annual Guaranteed Money Back benefits in the last five policy years.
Guaranteed Loyalty Additions up to 40% of the base Sum Assured.
Guaranteed Maturity Addition up to 20% of the base Sum Assured.
On death, 100% of the base Sum Assured is paid, along with money-back benefits and maturity benefits at specified times.
Additional Sum Assured up to ₹50 Lacs payable on accidental deaths.
Optional rider benefits available to enhance protection cover.
Here are the steps to buy Reliance Nippon Life Insurance from Policybazaar:
Step 1: Visit the official Policybazaar website and go to the life insurance page.
Step 2: Select the type of plan you want to buy: Term insurance or Investment plans.
Step 3: Provide your name, contact details, gender, and date of birth.
Step 4: Enter the information regarding your job type, yearly income, educational qualifications, and smoking/tobacco consumption habits.
Step 5: Choose the most suitable Reliance Nippon life insurance plan from the list of available plans
Step 6: Proceed to pay using your preferred mode to complete the process.
Here are the exclusions in the Reliance Nippon Life Insurance:
Suicide: If the policyholder commits suicide within 12 months of buying the policy, his/her nominees will not be able to claim the death benefit.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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