There are 7 types of life insurance available in the market. This Website may be linked to other websites (including those of ABC Companies) on the World Wide Web that are not under the control of or maintained by ABCL. You have the option to withdraw the said consent in the manner specified under these Terms of Use. Any use of this Website or the information is at your own risk. The Website does not assume responsibility for the timeliness, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings. Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website or the facilities. The Sum Assured or the minimum death benefit must be at least 10 times the annual premium. You agree that the Facilities Provider/ ABC Companies will not be liable to you in any manner whatsoever for any modification or discontinuance of the facilities. Again, all this is totally based on the type of ULIP chosen for investment and the investor preference and risk appetite. A ULIP or a Unit Linked Insurance Plan is a financial instrument that provides risk cover as well as investment options for the policyholder. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisers who are fully aware of your individual circumstances. The remaining portion gets invested into funds of the policyholder's choice. If you revoke your consent to receive communications electronically, the Facilities Provider shall have the right to terminate the facilities. Other than those otherwise indicated and agreed by You, this Website do not collect or store or share your Personal Information. There are several benefits of using the online calculator; let's get to know them in detail. You are advised to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. Either party can terminate this Agreement by notifying the other party in writing. Your personal financial situation is unique, and any information and advice obtained through the facilities may not be appropriate for your situation. The Website will not be responsible for any liability arising out of delay in providing any information on the Website. A portion of premium goes towards mortality charges i.e. One ABC ID can be created by you on the Website or any of the webpage of ABC Companies (Account.ABC.com sign up page.) Each policyholder has the option to select a personalized investment mix based on his/her investment needs and risk appetite. Further, the Facilities Provider cannot always foresee or anticipate technical or other difficulties. You also agree and authorize ABC Companies / its third-party service providers to contact you at the contact information provided for service related communication relating to your product or facilities offered even if your number is in National Do Not Call Registry. SBI Life offers a range of ULIPs - Unit linked insurance plans that provide twin benefits of life insurance cover and market linked returns on investment. How Has Life Expectancy of An Average Person Changed Over Years? Your Acceptance of the Terms of Use contained herein constitutes the Agreement for the Purpose as defined hereunder. If this condition is not met, the benefit under Section 80C shall be capped at 10% of Sum Assured while the maturity proceeds will not be exempt from income tax. You agree that these Terms of Use may be subject to change/modification for such reason as it may deem fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the services, company reorganisation, market practice or customer requirements. You can review the most current version of the Terms of Use at any time, by clicking the Terms & Conditions link on the Website. The facilities may contain errors, bugs, or other problems. One ID enables you to have a single login ID for viewing and transacting all your product and service needs across ABC Companies. The Website is specifically for users in the territory of India. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or facilities before taking or considering an investment or financial decision. The options discussed in this post can help. The Privacy Policy may be updated from time to time. The Website shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into the Website or other Website software or facilities. UTI Unit Linked Insurance Plan: UTI launched is a unit-linked insurance plan on 1st October 1971. The Facilities Provider or ABCL or ABC Companies does not routinely monitor your postings to the Website but reserves the right to do so if deemed necessary if it is related to the facilities offered on the web site and to comply with law. Hence, we present Canara HSBC Oriental Bank of Commerce Life Insurance Titanium Plus Plan - a savings and protection oriented unit linked insurance plan, designed exclusively for preferred customers like you. Before making a decision whether to opt for a traditional insurance policy or a ULIP, an investor has to understand the principles and the way both these financial instruments operate. You alone are responsible for your actions or the actions of any person using your user name and/or password. However there is no conflict on these services and commissions if any payable are in accordance of the extant regulations. There are no charges or fees to be paid by you for use of this Website. Health insurance premium calculator is an online tool that gives you estimate how much premium you can afford for a health plan. You shall not assign your rights and obligations under this Agreement to any other party. You may choose not to create One ID in which case you will not be able to display all your products across ABC Companies on one page. Kotak Life ULIP Plans provide security to avert the financial risks in life, whether it is to meet a child’s education expense or lead a safe life after retirement. You shall not (a) copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), download, display, perform, reproduce, distribute, modify, edit, alter, enhance, broadcast or tamper with in any way or otherwise use any Materials contained in the Website. Certain information on Website may be on the basis of our own appraisal of the applicable facts, law and regulations in force at the date hereof. Information on this Website sourced from experts or third party service providers, which may also include reference to any ABCL Affiliate. Term Insurance Without Medical Check Up in India, Investors who want to keep an eye on their funds. Read this post to know the steps you should follow to check your refund status within minutes. Your right to use the facilities is personal to you; therefore, you agree not to resell or make any commercial use of the facilities. In case of any unforeseen future events, ULIPs also let you do a partial … In your use of the Website, you may enter correspondence with, purchase goods and/or facilities from, or participate in promotions of advertisers or members or sponsors of the web site, including those of ABC Companies. immediately of any unauthorized use or access of your password or Account, or any other breach of security. A Unit Linked Insurance Plan (ULIP) is a product offered by insurance companies that, unlike a pure insurance policy, gives investors both insurance and investment under a single integrated plan. All copyright and other intellectual property rights in these Materials are either owned by ABCL or have been licensed to Facilities Provider, ABCL / ABC Companies by the owner(s) of those rights so that it can use these Materials as part of this Website. ULIP: Unit Linked Insurance Plan A ULIP plan – unit-linked insurance plan is a plan that combines two plans, a comprehensive insurance plan as well as an investment plan. • Investment-linked plans, like other types of investments, involve exposure to investment risk. ABCL and ABC Companies are engaged in a broad spectrum of activities in the financial services sectors. There is no commitment to update or correct any information that appears on the Internet or on this Website. Such references do not imply that it is intended to announce such products, programs or facilities in your country. No fee of whatsoever nature is to be charged for the use of this Website. For more details, please also refer to the Legal Disclaimers provided on the Website. The Basics of a Unit Linked Insurance Plan or a ULIP, Get a Flexible Life Cover for your life's changing needs, relates either to ABCL and/ or ABC Companies under all associated web pages/ sites which are linked to www.adityabirlacapital.com (“hereinafter referred as the, Please read these Terms and Conditions (“, By accessing and using this Website you have confirmed that you have read, understood and bound yourself by these Terms of Use. As such, you shall indemnify and hold Facilities Provider, ABCL / ABC Companies and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all loss, costs, damages, liabilities, and expenses (including attorneys' fees) incurred in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that your use of the Website or the use of the Website by any person using your user name and/or password (including without limitation your participation in the posting areas or your submissions) violates any applicable law or regulation, or the rights of any third party. Aditya Birla Capital Limited is the holding company of all financial services businesses. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. To help you for your money needs you can avail the facility of MoneyForLife Planner (‘MoneyForLife Planner/ Planner’). Like most life insurance products in the market, these offer life cover along with investment. ULIP plans were first introduced in India by Unit Trust of India (UTI) in 1971. It enables the holder of the policy to invest their money in some of the qualified investment such as bonds, mutual funds, stock, etc. The major advantage that a ULIP has over the traditional wealth creation tools is the benefit of a Life Cover. You are advised to read the respective offer documents carefully for more details on risk factors, terms and conditions before making any investment decision in any scheme or products or securities or loan product. Submissions and unauthorized use of any Materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, certain communications statutes and regulations and other applicable laws and regulations. You can use execution platform/services with any third party as deem fit and proper, and there is no compulsion to use the execution services through this Website. All Personal Information including Sensitive Personal Information provided/related to you, shall be stored/used/processed/transmitted expressly for the Purpose or facilities indicated thereon at the time of collection and in accordance with the Privacy Policy. Whenever consent has been obtained/provided by you in any mode under these Terms and Conditions, for availing information/services related to ABC Companies, You agree and authorize the Facilities Provider to share/transfer/transmit your personal information with its ABC Companies and other third parties, in so far as required for offering of facilities through this Website and for analytical / marketing purposes /report generations and/or to offer connected facilities on the Website and may also include transfer/sharing/transmitting  of sensitive personal data or information only if it is deemed necessary for the performance of facilities and to provide you with various value added and ancillary facilities/services and information, to aid you in managing your money needs in the manner agreed under these Terms and Conditions and the privacy policy. is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering of these ABC Companies or third parties. ULIP policy holders can make use of features such as top-up facilities, switching between various funds during the tenure of the policy, reduce or increase the level of protection, options to surrender, additional riders to enhance coverage and returns as well as tax benefits. Want to invest with zero or minimum risk and still earn high returns? A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions. Maturity proceeds are also exempt from income tax. So, your financial planning has to be the best in class and provide you with the greatest value for your hard earned savings. Unlike the other insurance policy programs, this insurance plan gives investors both insurance and investment under a single integrated plan. The Planner provides an indicative view about the generic investment opportunities available in the manner indicated by you. Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website or the facilities. All product and facilities marks contained on or associated with the facilities that are not the Website marks are the trademarks of their respective owners. You agree to protect and fully compensate Facilities Provider, ABCL, ABC Companies, subsidiaries, licensors, suppliers and facilities providers, employees, officers and directors, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the facilities, your violation of the Terms of Use or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone. will be on the basis, subject to and as per the terms and conditions of the specific product’s / fund’s / security’s offer document, key information memorandum, risk disclosure document, product or sales brochure or any other related documents which are offered by the respective issuer of such product/securities. Thus, unit-linked insurance plans give you the benefit of mutual funds like investments and also provide financial security through insurance coverage in case of untimely demise. Insurance plans can be distinctly divided into ULIP (Unit Linked Insurance Plans) and traditional plans. You agree that these Terms of Use may be subject to change/modification for such reason as it may deem fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the services, company reorganisation, market practice or customer requirements. These are meant for general information only or to meet statutory requirements or disclosures. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing. Upon termination, you must immediately destroy any downloaded and printed Materials. All of the ABC Companies have their own separate legal identities and webpages (details about which are embedded in their respective web pages/sites) but in this Website they may sometimes use "Group", "we" or "us" when we refer to ABC Companies in general or where no useful purpose is served by identifying any particular ABCL Affiliate. Changes will be effective upon posting of the revised Privacy Policy on the Website. You agree not to use the facilities for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others. All communications in electronic format will be considered to be in "writing". Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. In such circumstances you must contact the ABCL Affiliate with whom you have held the product/availed the services to enable update the email id/phone number. You may receive from time to time, announcement about offers with intent to promote this Website and/or facilities/products of ABC Companies (“, ABCL and ABC Companies are engaged in a broad spectrum of activities in the financial services sectors. All investments in any product / fund / securities etc. They combine the benefits of protection and saving in a single instrument. Unit Linked Insurance Plan (ULIP) is a hybrid insurance plan dual benefit of coverage of risk as well as investment opportunities. In Max Life Flexi Wealth Plus Plan, one can personalize their unit-linked insurance plan (ULIP) based on individual risk appetites and convenience. MoneyForLife Planner provides an indicative assessment of your money needs based on the factors like income, age, family members and their future, your future money requirements and current lifestyle status as per details filled in by you on the online questionnaire. Upon any change, the updated Terms of Use will be updated on the Website or any other means. You agree to receive e-mails/SMS/phone calls and such other mode as permitted under law from the Facilities Provider or ABC Companies or its third-party service providers regarding the facilities updates, information/promotional offer and/or new product announcements and such other related information. What are the features of Bharati Axa Life Wealth Pro ULIP? The NAV is the value upon which net rates of return on ULIPs are determined. These Terms of Use shall apply to the access and use of the Website and all associated web pages/ sites which are linked with www.adityabirlacapital.com (“Website”). In case you forget the username or password, you can reset the same using the forgot username and password link available on the Website and completing the authentication procedure specified on the Website. This Website is provided to you on an "as is" and "where-is" basis, without any warranty. The Facilities Provider or ABCL is not responsible for the owners or operators of these websites or for any goods or facilities they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external web site to which this web site includes a link infringes the intellectual property rights of any third party). life insurance is a risk minimization and protection tool that can help insured and their dependents in multiple ways while dealing with a variety of life events. [5] Some Insurer also charge "Guarantee Charge" as a percentage of Fund Value for built in minimum guarantee under the policy. In case any facilities/services, access/dissemination of information or execution of transaction is done through use of any APP related to ABC Companies, the additional terms and conditions governing the Use of APP shall be applicable and to be read along these Terms of Use. Find out here. You agree that Facilities Provider / ABC Companies has no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any other ABC Companies and/or third parties. ABCL, for itself and any ABC Companies and third party providing information, Materials (defined later), facilities, or content to this Website, makes no representations or warranties, either express, implied, statutory or otherwise of merchantability, fitness for a particular purpose, or non-infringement of third party rights, with respect to the website, the information or any products or facilities to which the information refers. The Planner provides a generic indication of your money needs to enable you to prioritize your investment needs which are rule based. providing life cover. A Unit-Linked Insurance Plan is essentially a combination of insurance and an investment vehicle. Your electronic consent, accepting these Terms of Use, represents that you have the capacity to be bound by it, or if you are acting on behalf of any person, that you have the authority to bind such person. The Facilities Provider or ABCL or ABC Companies shall have absolutely no liability in connection with the information and Material posted on this Website including any liability for damage to your computer hardware, data, information, materials, or business resulting from the information and/or Material or the lack of information and/or Material available on the Website. The Facilities Provider, ABCL, ABC Companies and the providers of information shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained at this Website. You also agree that risks associated with any investment would be entirely yours and you would not hold ABCL and/or ABC Companies or any of its employees liable for any losses that may arise on account of any investments under taken basis the use of MoneyForLife Planner. All of the ABC Companies may have their own individual web pages/sites which are owned by the respective ABC Companies and the facilities offered by the respective ABC Companies will be governed in accordance with the terms and conditions posted of those web pages/websites which you would be bound while availing the facilities/services of the said respective ABC Companies through their respective web pages / sites or otherwise in any other mode as the case may be. In addition, the Website does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. Other than those Materials which belong to Third Parties, ABC Companies retains copyright on all Information, including text, graphics and sound and all trademarks displayed on this Website which are either owned by or licensed to by ABCL and/or used under license by ABC Companies. This videos describes the benefits of Unit Linked Insurance plan (ULIPS). ABCL will not be liable to you or any third party for any damages of any kind, including but not limited to, direct, indirect, incidental, consequential or punitive damages, arising from or connected with the site, including but not limited to, your use of this site or your inability to use the site, even if ABCL has previously been advised of the possibility of such damages. How will they impact these enterprises? We may provide you with various money solutions and options which are generally available basis your investment profile or those which are generally held by persons of similar investment profile. Such sharing of information will be solely for the purpose to fulfill / complete / authenticate your specific requests/transaction execution and for providing information about any ABC Companies product or facilities or services or for data analytics or to deliver to you any administrative notices, alerts or communications relevant to your Purpose (and which may include sending promotional emails or SMS or calls or any other mode permitted under law) or to analyze the usage and improve the facilities/solutions offered or for any research or troubleshooting problems, detecting and protecting against errors or to improve features, tailor the facilities on the Website to your interests, and to get in touch with you whenever necessary. Your Unit linked Insurance Plan is linked to the capital market and offers you flexibility to invest your units in equity or … You are advised to consult an investment advisor in case you would like to undertake financial planning and / or investment advice for meeting your investment requirements. You agree and understand that the Website is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor. A unit linked insurance plan can be utilized for various benefit payouts, including life insurance, retirement income, and education expenses. Unlike in a regular insurance policy, where your entire premium goes into your plan, in a ULIP, the insurer divides your premium into two parts. [1] With the Government of India opening up the insurance sector to foreign investors in 2001[2] and the subsequent issue of major guidelines for ULIPs by the Insurance Regulatory and Development Authority (IRDA), now Insurance Regulatory and Development Authority of India (IRDAI), in 2005,[3] several insurance companies forayed into the ULIP business leading to an over abundance of ULIP schemes being launched to serve the investment needs of those looking to invest in an investment cum insurance product. The Unit Linked Insurance Plan (ULIP) are the market-linked products that offer the best investments schemes and programs provided by an Insurance Companies. Unlike traditional insurance policies, ULIP schemes have a list of applicable charges that are deducted from the payable premium. By accessing the Website and availing for facilities on the Website, the users (hereinafter referred to as "you", or "your") agree to be bound by these Terms of Use, the legal disclaimer (‘Legal Disclaimer’) and the Privacy Policy (“Privacy Policy”), as posted on the Website. This Website contains information, materials, including text, images, graphics, videos and sound (“, All Personal Information including Sensitive Personal Information provided/related to you, shall be stored/used/processed/transmitted expressly for the Purpose or facilities indicated thereon at the time of collection and in accordance with the Privacy Policy. You will be subject to the rules, guidelines, policies, terms, and conditions applicable to any facilities that are provided by this Website and all associated web pages/ sites and they shall be deemed to be incorporated into these Terms of Use and shall be considered as part and parcel of these Terms of Use. The Website may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company. Any feedback you provide will become the confidential and proprietary information of the Website, and you agree that the Website may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to the Website. You can create a unique ID on the Website for managing and transacting all financial and non financial transactions with ABC Companies. Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Website, or any portion of the Website. Therefore, for any of these Purposes, the Website will use ABC Companies their authorized third party vendors, agents, contractors, consultants or facilities providers (individually a ‘Third Party Service Provider’ and collectively, the “Third Party Service Providers”) and to that extent you understand and authorize the Facilities Provider to share/transmit such information to Third Party Service Providers.
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