• AEGON Religare ULIP Plan

    Why should you consider buying this Investment plan?

    Key Features of the Product

    Triple Protection = Life Cover + Plan continues (maturity benefit) + nominees gets income till maturity

    No Premium allocation charge, thus increasing
    the availability of more fund for investment.

    Tax benefits as per prevailing tax laws

    Why should you consider buying AEGON Religare iMaximize Plan?

    Secured Gains - When fund value reaches 110% the excess amount is switched to secure funds.

    Special units from 12th policy year till maturity, to boost your fund value.

    Payment Options - Single, Yearly, Monthly premium payment option.

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    Key Benefits of ULIP Plan

     
       
     
    No Premium allocation charges, thus increasing the availability of more fund for investment
    Option to choose from two investment portfolio strategies
    Special units from 12th policy year till maturity, to boost your fund value
    Choice of two death benefits for policies under regular premium
    Option to pay your premium through regular mode or single mode
    Option to pay additional premium at no extra cost
    Tax benefits as per prevailing tax laws
     
         
     

    Other Benefits of ULIP Plan

     
       
      Maturity  
      On maturity of unit lined plan, you receive the fund value existing on maturity date.  
         
      Partial Withdrawal  
      You can partly withdraw your money after the first 5 policy years. The maximum amount of partial withdrawal allowed in any policy year is 20% of the fund value at the beginning of that policy year  
         
      Discontinuance  
      You can discontinuance your regular premium policy any time. Discontinuance value is paid after first 5 years. Discontinuance value is fund value minus the discontinuance charges of the year in which the premium was discontinued. The charge will depend upon the period for which you have paid your premium, as given below. There is no discontinuance charge on single premium policies or top-up or if the policy is discontinued after 4 policy years.  
         
     
    Where the policy is discontinued during the policy year Discontinuance charges for annualised premium upto Rs.25,000 Discontinuance charges for annualised premium above Rs.25,000
    1 Lower of 20% (AP or FV) subject to maximum of Rs. 3,000 Lower of 6% (AP or FV) subject to maximum of Rs. 6,000
    2 Lower of 15% (AP or FV) subject to maximum of Rs. 2,000 Lower of 4% (AP or FV) subject to maximum of Rs. 5,000
    3 Lower of 10% (AP or FV) subject to maximum of Rs. 1,500 Lower of 3% (AP or FV) subject to maximum of Rs. 4,000
    4 Lower of 5% (AP or FV) subject to maximum of Rs. 1,000 Lower of 2% (AP or FV) subject to maximum of Rs. 2,000
    5 onwards   Nil
    AP is Annualised Premium and FV is Fund Value
     
         
      Death  
      You have the option to choose death benefit if you have opted for regular premium.  
         
      Death Benefit Option 1:In case of an unfortunate demise of the Life Assured, the nominee receives higher of Sum Assured (including sum assured increased on account of payment of topup premium) or Fund Value or 105% of all the premiums paid. The policy terminates thereafter.  
         
      Death Benefit Option 2:In case of an unfortunate demise during the term of the ULIP policy, the nominee receives the following as death benefit:  
      a) Maximum of sum assured (including sum assured increased on account of payment of top-up premium) or 105% of all premiums paid (including top-up premiums)  
      b) All regular ULIP premiums due after death of the life assured are waived i.e. all premiums due after death of the life assured, are paid by the company. If any premium due date, after the death of the life assured, has passed before the claim is intimated, the due premium is invested. This benefit is known as the Premium Continuance Benefit (PCB). Further, irrespective of the investment fund option(s) chosen or investment strategy chosen, the fund value is transferred to the Stable Fund on the date the claim is intimated.  
      c) An amount equal to the annualised premium is paid to the beneficiary at the start of every policy year, following the date of death, till the end of the policy term. This benefit is known as Income Benefit (IB).
    The unit fund value will continue to remain invested. However, irrespective of the investment fund option(s) chosen or investment strategy chosen, the fund value is transferred to the Stable Fund on the date the claim is intimated. All charges except mortality charges will continue to be deducted till end of the policy term. At the end of the policy term, the fund value will be paid to the beneficiary.
     
         
      In case of death of the nominee after the death of the life assured:  
      In case of death of the nominee after the death of the life assured before the maturity date, the ULIP policy will continue. However, the legal heir can ask for discontinuance of the Policy; on discontinuance, the legal heir will be paid the fund value plus a lump sum amount equivalent to
    a) 75% of the outstanding PCB for the rest of the policy term and
    b) 75% of the outstanding IB for the rest of the policy term.
     
         
      In case of death of the nominee while life assured is alive:  
      • ULIP Policy continues, provided all the due premiums have been paid
    • The Policy Holder can at any time during the policy term, include another nominee
    • Death Benefit for Single Premium is higher of Sum Assured (including sum assured increased on account of payment of top-up premium) or Fund Value.
     
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    Key Features of ULIP Plan

     
       
      Change in Investment Portfolio Strategy  
      You have the option to change the investment portfolio strategy anytime during the ULIP policy term.  
         
      Special Units  
      The special units are added to your account at the end of 12th policy year and every year thereafter, till maturity. The value of special units would be equal to 0.45% of the average fund value of the last 12 months before the allotment of special units.  
         
      Switch  
      This feature helps you shift your investments from one fund to another. Four switches are free of charge in each policy year  
         
      Tax Benefits  
      The investment premiums paid and the benefits received under the policy will be eligible for tax benefits as applicable from time to time. Please consult your tax advisor for details  
         
      Premium Re-direction  
      This feature allows you to alter the premium allocation to be applied to your future premiums and Top-ups.  


         
         
     

    Other Features of ULIP Plan

     
       
      Top-Up Premium  
      A Top-Up premium is an additional amount of premium over and above the contractual basic premium, with a minimum amount of Rs. 10,000. You can top-up your premium anytime after the 1st policy year and apart from the last 5 policy years  
         
      Grace Period  
      For payment of premium, you are allowed a grace period of 15 days for monthly mode and 30 days for all other modes from the premium due date.  
         
      Free Look Cancellation  
      If you are not satisfied with the terms and conditions of the policy, you may choose to cancel the policy within 30 days of receiving the policy documents along with stating the reason for such cancellation. Upon such cancellation, you will be paid back fund value, plus premium allocation charge, plus mortality charge, plus policy administration charge, less stamp duty, less medical reports cost, less proportionate mortality charge.  
         
      Exclusion  
      In case of death due to suicide within one year from the date of issue or date of revival (in case of regular premium policies), only fund value is payable and the ULIP policy is terminated  
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    Investment Portfolio Strategies

    With AEGON Religare Investment (iMaximize) Plan you have the option to choose from two unique portfolio strategies:
    1. Trigger Portfolio Strategy
    2. Self Managed Portfolio Strategy
     
    Trigger Portfolio Strategy
    AEGON Religare Unit Linked Plan offers a new Trigger Portfolio Strategy under which the premiums paid are invested in Accelerator Fund. As soon as the fund value under Accelerator Fund is equal to or more than 110% of all the premiums paid to date, the excess amount will be switched to Secure Fund. By doing this, the growth that has been achieved in the Accelerator Fund is always protected in the Secure Fund. This check is carried out on a daily basis as and when the Accelerator Fund is priced. Therefore, the growth is always protected, giving you complete peace of mind.

    E.g. Policy was issued on 01.01.2012 with monthly premium of Rs. 100,000. On 29.01.2012 the fund value becomes Rs.120,000. In this case the excess amount i.e. Rs. 20,000 (120,000 – 100,000) will be switched to Secure Fund.

    By doing this the growth that has been achieved in the Accelerator Fund moves in to the Secure Fund, which provides the security of very low volatility risk.
     
    Self Managed Portfolio Strategy
    If you do not wish to invest in Trigger Portfolio Strategy and want to manage the investment fund on your own, you can opt for the ‘Self Managed Portfolio Strategy’. Under this strategy, you have the option to invest in any of the three investment funds available in any proportion.The investment funds are as below:
    Fund Type Objective Risk Return Profile Equities Fixed Interest Securities & Money Market Instruments
    Secure Fund Generate attractive investment income while providing the security of very low volatility risk since asset durations would be reasonably small. Conservative 0% 100%
    Stable Fund Aims to maintain a balance between equity and debt exposure, to have a stable and attractive long-term return. It will also shift allocation between debt and equity, to gain from asset price movements over medium to long-term. Moderate 20% – 80% 20% – 80%
    Accelerator Fund Invest in equities of various sectors to diversify the portfolio and generate attractive returns in the long-term. It also has the flexibility to invest in fixed interest assets and money market instruments up to 20% each. Aggressive 80% – 100% 0% – 20%
     
    Discontinuance Policy Fund
    If you fail to pay your regular ULIP premium during the first 5 policy years, the fund value after deducting the applicable discontinuance charge moves to this fund. The discontinuance value along with the interest earned is paid after completion of first 5 policy years. Currently the interest rate is 3.50% p.a.
     
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    Eligibility for ULIP Plan

     
       
     
    Parameter Regular Premium Single Premium
    Annualised Premium Minimum Rs.24,000 Minimum Rs.50,000
    Policy Term 15 / 20 / 25 years
    Age at entry Policy Term
    Upto 50 years 10 years
    51 years & above 5 years
    Premium Payment Term Equal to the policy term Single pay
    Sum Assured Minimum Age < 45 years Higher of 10 times of Regular AP or (0.5 x Policy Term x AP) 1.25 x Single Premium
    Age >= 45 years Higher of 7 times of Regular AP or (0.25 x Policy Term x AP) 1.10 x Single Premium
    Maximum 30 x AP. However, you have the option to choose the
    multiple of 15 / 20 / 25 times the annualised premium
    10 x Single Premium
    Entry Age Minimum:
    Regular Premium Option 1 : 7 years
    Regular Premium Option 2 : 18 years
    Maximum : 60 years
    7 years
    Maturity Age Maximum - 75 years
    Premium Payment Frequency Monthly and Annual Single
     
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    Charges on ULIP Plan

     
    Premium Allocation Charge
    No Premium allocation charges, thus increasing the availability of more fund for investment.
     
    Fund Management Charge
    This is a charge levied as a percentage of the value of assets and is appropriated by adjusting the Net Asset Value everyday, when the unit linked funds are priced.
    Secure Fund Stable Fund Accelerator Fund
    1.00% p.a. 1.35% p.a. 1.35% p.a.
    The fund management charges can be increased by the Company after IRDA approval but shall not exceed 2% p.a. at any point of time.
     
    Policy Administration Charge
    This is a monthly charge levied every month from the policy date at the beginning of policy month from the policy fund by cancelling units for the equivalent amount from the opted investment fund/s. The charge is Rs.100 per month.
     
    Mortality Charge for base cover
    The mortality charge is deducted by cancellation of units at the beginning of each month of your Unit Linked Policy. The mortality charge will be calculated based on sum at risk which will include the sum at risk for base cover as well as sum at risk on account of payment of top-up premium. Sum at risk for Regular Premium option 1 is defined as higher of Sum Assured (including sum assured increased on account of payment of top-up premium) or 105% of all premiums paid to date including top-ups premiums in excess of fund value (fund value is after deduction of all charges except mortality charge). Sum at risk for Regular Premium option 2 is defined as higher of Sum Assured (including sum assured increased on account of payment of top-up premium) or 105% of all premiums paid to date including top-ups premiums. Sum at risk for policies under single premium is defined as higher of Sum Assured (including sum assured increased on account of payment of top-up premium) in excess of the fund value (fund value is after deduction of all charges except mortality charge).

    Mortality Charge for Premium Continuation Benefit is calculated as (one-twelfth of Annual Premium Continuation Benefit Rate applicable to the age on Policy Date and Premium Payment Term multiplied by the annual Premium) divided by 1000. This charge is only applicable if Regular Premium option 2 is opted for.

    Mortality Charge for Income Benefit is calculated as (one-twelfth of Income Benefit Rate applicable to the age on Policy Date and Premium Payment Term multiplied by the annual Premium) divided by 1000. This charge is only applicable if Regular Premium option 2 is opted for.
     
    Miscellaneous Charges
    Facility Allowance Charges (Rs.)
    Change in Investment Portfolio Strategy Nil Rs. 100 per request
    Switch Four switches free in a policy year Minimum 0.1% of the amount switched or Rs. 500 per extra switch, subject to minimum amount of Rs. 100 to be switched
    Premium Redirection Two times free in a policy year Minimum Rs. 200 or maximum of Rs. 500 per extra request
    Partial Withdrawal Four times free in a policy year. No charge for systematic partial withdrawal Rs. 200 per extra withdrawal.
    The Miscellaneous Charges given above can be increased by the Company but shall not exceed Rs. 500.



     

    Terms & Conditions

     
    Partial Withdrawal
    This feature is allowed only if the life assured is more than 18 years of age. All due ULIP premiums for the first five years have to be fully paid. The amount of any partial withdrawal should not be less than Rs.5,000. An amount equal to a minimum of 2 years’ annualised premium should be maintained as fund balance after any partial withdrawal. This facility will not be available after death of the Life Assured.
     
    Top-Up
    A 5-year lock-in period is observed from the date of making the Top-Up. This facility will not be available after death of the Life Assured. Top up premium will increase the sum assured by 1.25 times the top up amount, if the life assured is below 45 years of age at the time of making the top up or by 1.1 times the top up amount, if the life assured is 45 years and above. The policyholder has the choice of selecting top-up sum assured of 10 times the top-up amount. Top-up premium will increase the sum assured subject to underwriting.
     
    Switch and Premium redirection
    This facility is not available if Trigger Portfolio Strategy is opted. This facility will not be available after death of the Life Assured.
     
    Service Tax
    Service tax or any other tax shall be levied as per prevailing tax laws.
     
    Death
    For Regular Premium Option 1 and Single Premium the amount of all partial withdrawals made during the period of two years before the date of death will be adjusted against the Sum Assured payable on death. If death occurs after attaining age 60, all partial withdrawals made after attaining age 58, but within the 5-year period before the date of death will be adjusted against the sum assured payable on death. Regular Premium Option 1 and 2: if the premiums for the first 5 years have not been paid and the policy is in discontinuance status, the nominee will receive the fund value in the Discontinuance Policy Fund along with interest as death benefit. In case of death due to suicide during first policy year or within one year from the date of revival, only fund value is payable. In case of death of the proposer, during the minority of the life assured, the ULIP policy will continue. However, the legal heir of the proposer can continue paying the premiums or discontinue the policy. On discontinuance, the terms and conditions mentioned below will be applicable.
     
    Discontinuance of premium
    Discontinuance of Regular Premium within five years of the Policy Date
    • If any premium is not paid after the grace period, the company will send a notice to the Policy Holder immediately after the expiry of the grace period (but not later than 15 days from that date of expiry of the grace period) to either (a) revive the policy or (b) to completely withdraw from the policy without any life cover.
    • If Policy Holder does not exercise any of the options within 30 days from the date of receipt of notice (i.e. if Policy Holder does not respond to the notice sent by the company) or opts for option “b” then the policy will be discontinued and the discontinuance value (fund value less discontinuance charge of the year in which premium was discontinued) will be shifted to the “Discontinuance Policy Fund”. The company will declare interest rate for this fund from time to time, which will be guaranteed to be not less than the interest rate as stipulated by IRDA. Currently, the interest rate stipulated by IRDA is 3.50% p.a. on compounding basis.The discontinuance value (along with interest earned) in the “Discontinuance Policy Fund” will be paid to the Policy Holder after the lock-in period.
    • The life cover will continue till the time the ULIP policy is shifted to “Discontinuance Policy Fund” or revival request is received.
    • On revival of the policy, all benefits under the policy will become payable to the Policy Holder as per the terms and conditions of the policy from the date of revival.
     
    Discontinuance of Regular Premium after five Policy Years
    • If any premium is not paid after the grace period, the company will send a notice to the Policy Holder immediately after the expiry of the grace period (but not later than 15 days from that date of expiry of the grace period) to either (a) revive the policy or (b) to completely withdraw from the policy without any life cover.
    • If Policy Holder does not exercise any of the options within 30 days from the date of receipt of notice (i.e. if Policy Holder does not respond to the notice sent by the company) or opts for option “b” then the policy will be discontinued and the fund value will be paid to the Policy Holder and policy will cease to exist.
    • On revival of the policy, all benefits under the policy will become payable to the Policy Holder as per the terms and conditions of the policy from the date of revival.
     
    Method of calculation of Unit Values (Valuation of Unit Linked Funds)
    The unit pricing shall be computed based on whether the company is purchasing (appropriation price) or selling (expropriation price) the assets in order to meet the day to day transactions of unit allocations and unit redemptions.
     
    When Appropriation price is applied
    The NAV of a unit linked fund will be the market value of investments held by the fund plus the expenses incurred in the purchase of the assets plus the value of any current assets plus any accrued income net of fund management charges less the value of any current liabilities less provisions, if any. This gives the net asset value of the fund. Dividing this by the number of units existing at the valuation date (before any new units are allocated), gives the unit price of the fund under consideration.

    When Expropriation price is applied: The NAV of a unit linked fund will be the market value of investments held by the fund less the expenses incurred in the sale of the assets plus the value of any current assets plus any accrued income net of fund management charges less the value of any current liabilities less provisions, if any. This gives the net asset value of the fund. Dividing this by the number of units existing at the valuation date before any units are redeemed, gives the unit price of the fund under consideration.

    Units will be created in the Investment Fund/s on receipt by the Company of the Policy Premium (except First Premium) alongwith a local cheque/demand draft payable at par at the place where the premium / application for switch is accepted by us on the following basis:
    • the same day’s closing Unit Price shall be applicable if received before the Cut-off time (the “Same Day”)
    • the next day’s closing Unit Price shall be applicable if received after the Cut-off time (the “Next Day”)

    In respect of Policy Premiums (except First Premium) received with outstation cheques/demand drafts at the place where the ULIP premium is accepted by us , the closing unit price of the day on which cheques/ demand draft is realized shall be applicable.

    In respect of First Premium, the applicable Unit Price will be of the date of commencement of policy or date of realization of the amount by the Company, whichever is later.

    If the Same Day or the Next Day or the due date of the installment premium is not a Valuation Date, then the Company shall apply the Unit Price of the next immediate Valuation Date.

    Units will be cancelled from the Investment Funds, when an application (including in respect of claims, discontinuance, maturity, switch, partial withdrawal) is received by the Company:
    • at the same day’s closing Unit Price (the “Same Day”), if received before the cut-off time.
    • at the next day’s closing Unit Price (the “Next Day”), if received after the cut-off time.

    Company will follow the rounding off rules as given under for the computation of unit price and number of units:
    • Unit Price will be computed to four decimal places.
    • Number of Units will be computed to six decimal places.

    Cut-off time is 3 p.m. as stipulated by IRDA.
     
    Assignment and Nomination
    • Assignment: An assignment of the ULIP Policy can be made by an endorsement on the Policy itself or by a separate instrument signed in either case by the assignor specifically stating the fact of assignment and duly attested. The first assignment can be made only by You. Assignment shall be effective, from and upon the service of a written notice to the Company, together with the endorsement or instrument or a copy thereof, duly certified to be correct by both the assignor and the assignee. Assignment will not be permitted where the policy is issued under the Married Women’s Property Act, 1874 and conditions apply to assignments of policies issued to partnerships or Hindu Undivided Families.
    • Nomination: You may at any time during the Policy Term make a nomination for the payment of the benefits under the Policy in the event of your death. Where the nominee is a minor, an Appointee, who is not a minor, will necessarily, be appointed by You to receive the death benefits during the minority of the nominee. Nomination can be made by communicating the same in writing to the Company. The Nominee can be changed by the You at any time during the term of the Policy and any such change shall vacate earlier nomination automatically. Nomination will not be permitted if You are not the Life Assured under the Policy.

    (iii) The Company does not express any opinion on the validity or legality of the assignment or nomination. An assignment cancels a nomination automatically.

    In absence of the nominee, the Death Benefit will be paid to your legal heir.”
     
    Investment Fund Closure / Modification
    The Company reserves the right to close / modify any Investment Fund at any time by giving a three month written notice of its intention to close/ modify the Investment Fund and from the date of such closure/ modification the Company will cease to create or cancel Units in the said Investment Fund (‘Closing Investment Fund’). Closure/ modification of an Investment Fund will be on the happening of an event which in the sole opinion of the Company requires the said Investment Fund to be closed/ modified and such closure / modification of an investment fund shall be subject to prior approval of IRDA. The Company will require the Policy Holder who has invested in the Closing Investment Fund to replace it with another Investment Fund/s (‘Replacing Investment Fund’) in the format specified by the Company and before the date specified in the written notice of the Company. Upon receiving ULIP Policy Holders confirmation, units in the Closing Investment Fund allocated to the Policy will be cancelled on the last Valuation Date of the Closing Investment Fund. The Company will create Units in the Replacing Investment Fund/s, with proceeds from the cancellation of the Units in the Closing Investment Fund on the last Valuation Date of the Closing Investment Fund.

    If the Company has not received the confirmation as above from the Policy Holder for modification of policy Investment Fund allocation before the closure of the Investment Fund, the Company will: Switch policy funds from the Closing Investment Fund to the most conservative Investment Fund then available; and change Allocation Proportion in such a way that the percentage of allocation of premium to the Closing Investment Fund is added to the percentage allocated to the most conservative Investment Fund option then available. Currently the most conservative Investment Fund option is Secure Fund. The Company would however declare the most conservative Investment Fund option from time to time depending upon its then current Investment profile.
     
    • You can call us between 8.30 am to 7.30 pm

    • No. of Policies
      00000
      00
      • Claims Received
        00
      • Claims Honoured
        00
      • Claims Rejected
        00


    IN THIS POLICY,THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.
    This illustration is indicative only and should be read in conjunction with the benefit illustration also. The non-guaranteed projected investment returns of 6% and 10% are not guaranteed and are for illustration purpose only. Total charges includes premium allocation charge, policy administration charge, mortality charge and fund management charge. If your policy is discontinued any time during the first five policy years, discontinuance value displayed will only be payable after completion of five policy years. The past performance of any of the unit linked funds is not necessarily an indicative of the future performance of any of these funds. The mortality charges and rider premium rates are subject to underwriting of the proposal, and may increase before the acceptance of the risk. Service tax, education cess and any other taxes announced by the government of any other statutory body in future would be levied as per the applicable tax laws. For any further clarification, feel free to contact your advisor or e mail us at customer.care@aegonreligare.com. Minimum Sum Assured for age less than 45 years is higher of 10 times of Regular Annual Premium or (0.5 X Policy Term X Annual Premium) and for age more than 45 years is higher of 7 times of Regular Annual Premium or (0.25 X Policy Term X Annual Premium)Risk factors - Unit linked Life Insurance products are different from the traditional insurance products and as such, are subject to risk factors. The premium paid in unit linked life insurance policies are subject to investment risks associated with capital markets and the NAV's of the units may go up or down based on the performance of fund and factors influencing the capital market and the policy holder is responsible for his/ her decisions AEGON Religare Life Insurance is only the name of the Insurance Company and AEGON Religare iMaximize Plan is only the name of the unit linked life insurance contract and it does not in any way indicate the quality of the contract, its future prospects and returns. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Please know the associated risks and the applicable charges, from your insurance Agent or the Intermediary or policy document of the insurer. This is a non-participating unit linked savings plan and we do not offer policy loan in this plan. AEGON Religare iMaximize Plan UIN- 138L030V02. For more details on risk factors, terms and conditions please read sales brochure and benefit illustration carefully before concluding a sale.
    AEGON Religare Secured Fund ULIF00505/07/08SF0138, AEGON Religare Stable Fund ULIF01303/09/10STABLE0138, AEGON Religare Accelerator Fund ULIF01203/09/10ACCELERATE0138, AEGON Religare Discontinuance Policy Fund ULIF01403/09/10DISCONPF0138
    Insurance is the subject matter of the solicitation.
    IRDA Company Registration No. 138. Registered office: AEGON Religare Life Insurance Company Limited, Building No. 3, Third floor, Unit No. 1, NESCO IT Park, Western Express Highway, Goregaon (E), Mumbai 400063. ADVT No. II/November 2011/1137
    Tax benefits are subject to changes in the tax laws
    © Copyright AEGON Religare 2007
    Insurance is the subject matter of solicitation.
    AEGON Religare Life Insurance Company Limited Registration No. 138
    Registered office: AEGON Religare Life Insurance Company Limited, Building No. 3, Third floor, Unit No. 1, NESCO IT Park, Western Express Highway, Goregaon (E), Mumbai 400063.

    AEGON Religare Life Insurance Company is the pioneer in online insurance with plans like iTerm which is a term insurance plan, AEGON Religare iHealth, which is an online Health insurance plan, and iMaximize an online unit linked insurance plan. All these plans can be bought online within a few minutes. These policies also help in tax planning. AEGON Religare offers life insurance products for every need mainly protection, savings and health at very affordable rates.
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