Some things in life need

zyaada guarantee

Reliance Nippon Life Nishchit Samrudhi

A Non-Linked Non-Participating Individual Savings Life Insurance Plan

Taaki apki koi khwaish adhuri na reh jaye.

Reliance Nippon Life Nishchit Samrudhi
A Non-Linked Non-Participating Individual Savings Life Insurance Plan

Life is about ensuring stability and safety for you and your loved ones while working to
fulfil your dreams. However, in a world full of uncertainty and volatility, you also need to
be financially prepared for additional responsibilities and expenses for life goals such as
your child’s education, their marriage, career goals and securing a peaceful retirement
for yourself.
Reliance Nippon Life Nishchit Samrudhi (UIN-121N142V03) is a comprehensive plan that
provides you guaranteed benefits that ensures your financial needs and goals are taken
care off while providing you and your family with long term protection from life’s
uncertainties.
Take the advantage of the flexibility to receive a regular income or an endowment benefit
and make sure you don’t have to compromise on your dreams.

Key benefits of Reliance Nippon Life Nishchit Samrudhi

Guaranteed Benefits: Flexibility to achieve goals by choosing from the below
mentioned two plan options, based on your financial needs.
• Income Option – Enjoy benefits of guaranteed regular income for a period of
17/20/23/26/29/32 years, and financial boost by way of guaranteed lumpsum
maturity benefit to cover major expenses.
• Endowment Option – Get your maturity benefit in 4 equal installments and fulfil
your long-term goals such as business expansion or your child’s education.

Flexibility of Premium Payment: Pay your premium one time1 or for a limited
period of 6 to11 years and enjoy guaranteed benefits for the entire policy term

Protection for your family: Enjoy a life cover for the entire policy term

Create a legacy for your family: You can use the lumpsum maturity benefit to
distribute wealth equally among your loved ones

Enhance your protection with riders

Tax benefits: Tax benefits may be applicable as per prevailing income tax laws.
Tax laws are subject to change. Please consult a tax advisor

Single Pay option is only available under Endowment Option

1 Page 1
Reliance Nippon Life Nishchit Samrudhi at a glance
The plan offers a choice of two plan options at inception of the policy.
1. Income Option: The option provides guaranteed annual income for 17/20/23/26/29/32
years with a lumpsum benefit at maturity, depending on premium payment term chosen.
2. Endowment Option: The option provides the maturity benefit in the form of four equal
annual installments, where the first instalment payable at the end of the policy term and the
remaining 3 instalments are payable during the payout period.
The plan option once selected, cannot be altered subsequently during the policy term.
Parameter Income Option Endowment Option
PPT Min Entry Max Entry PT Min Entry Max Entry
Age Age Age Age
6 12 55 15 3 55
Age at Entry1 11 55
7 16 2 55
(in years)
8 10 55 17 to 20 1 55
9 9 55
10 8 50
11 7 50

PPT Age
6 79
7 83
Maximum Age at
8 87 75
Maturity1 (in years)
9 91
10 90
11 94
PPT PT PPT PT
6 24 Single Pay 15 to 20
Premium Payment Term - 7 28 6 15 to 20
PPT (in years) & Policy Term - 8 32 7 15 to 20
PT (in years) 9 36
10 40
11 44
Premium Payment Options Limited Pay Limited Pay, Single Pay
Limited Pay 75,000
Min
Premium (`) Single Pay Not Applicable 2,50,000
Max No Limit, Subject to Board Approved Underwriting Policy

4,06,306 Limited Pay - 7,63,359

Sum Min
Single Pay - 5,34,474
Assured (`)
Max No Limit, Subject to Board Approved Underwriting Policy
Premium Payment Frequency Yearly, Half-yearly, Quarterly, Monthly
(Limited Pay)
All the references to age are based on age last birthday
1

The product shall be available for both online and offline sale.
Premiums will vary depending upon the plan option chosen, age, PT and PPT.
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Illustrated Benefits
Depending on your milestone, you can choose to receive your guaranteed benefits as
regular guaranteed income or as an endowment benefit as per the plan option chosen by
you at inception of policy.
Income Option
Example 1: Mr. Sharma is a 45 years old IT professional
and purchases Reliance Nippon Life Nishchit Samrudhi
to secure his retirement for the years to come.
Premium Payment Term 10 years
Policy Term 40 years
Annual Premium `2,00,000
Base Sum Assured `26,84,924

From the end of 11th policy year, Mr. Sharma start receiving guaranteed annual income of
`1.40 Lakhs p.a. till the end of 39th policy year. He uses the income to ensure a financially
secure retirement.
At maturity, he receives a guaranteed lumpsum maturity benefit of `26,84,924 which he
plans to gift to his next of kin as a legacy.
Mr. Sharma’s benefits Amount (in `)
Total Guaranteed Income Benefit for 29 years (A) 40,60,000
Guaranteed Maturity Benefit (B) 26,84,924
Total Benefits Received (A+tB) 67,44,924
Total Premiums Paid 20,00,000

Receives a lumpsum Guaranteed

Maturity Benefit of `26,84,924

Receives a Guaranteed Annual Income

of `1,40,000 for 29 years which he uses

............ ...................................................................................

0 1 2 ................ 8 9 10 11 12 .................................................................................................. 38 39 40

Total Premium Paid in

10 years - `20,00,000

The Premium mentioned above is for a healthy male and is exclusive of any loadings and taxes.

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Endowment Option
Example : Mr. Gupta is a 35-year-old father and wishes to send his son for higher
education. He purchases Reliance Nippon Life Nishchit Samrudhi to ensure his son is able
to achieve his education dreams.
Age of Life Assured (Rahul) 7 years
Premium Payment Term 7 years
Policy Term 20 years
Annual Premium `2,00,000
Base Sum Assured `36,15,329

At the end of the policy term, Mr. Gupta receives the guaranteed
maturity benefit in four equal installments of `9,03,832 p.a. which he uses to pay for his
son’s university fee.
Rahul’s benefits Amount (in `)
Total Maturity Benefit received 36,15,329
Total Premiums Paid 14,00,000

Mr. Gupta receives the Guaranteed

Maturity Benefit as 4 equal installments of
`9,03,832 p.a. from 20th year onwards

..................

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23

Total Premium Paid in

7 years - `14,00,000

The Premium mentioned above is for a healthy male and is exclusive of any loadings and taxes.

Benefits in detail
• Death Benefit
Premium payment option Benefit
In case of the unfortunate death of life assured during the policy term,
provided the policy is in-force i.e. all due premiums have been paid as
on the date of death, the claimant(s) shall receive the higher of:
i. Sum assured on death and
Limited Pay ii. 105% of Total Premiums PaidT&C4 as on the date of death of life
assured
Where, sum assured on death is defined as the higher of:
i. 11 times Annualized PremiumT&C6 or
ii. Base sum assured chosen by the policyholder at inception of
policy

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 Premium payment option Benefit
In case of the unfortunate death of life assured during the policy term
the claimant(s) shall receive the sum assured on death which is
Single Pay defined as the higher of:
i. 1.25 times Single PremiumT&C6 or
ii. Base sum assured chosen by the policyholder at inception of policy

The policy will terminate on payment of the death benefit to the claimant(s).

• Survival Benefit
Income Option: On survival of the life assured, provided the policy is in-force i.e. all due
premiums have been paid, guaranteed annual income shall be paid at the end of each
policy year starting after the premium payment term till one year prior to end of policy
term.
The guaranteed annual income shall be calculated as a percentage of the annualized
premium T&C6 payable and shall be payable as follows:

Guaranteed Annual Income

Percentage of Duration of Guaranteed Annual
Premium payment term
Annualized PremiumT&C6 Income payout
6 30% From end of 7th to 23rd policy year
7 40% From end of 8th to 27th policy year
8 50% From end of 9th to 31st policy year
9 60% From end of 10th to 35th policy year
10 70% From end of 11th to 39th policy year
11 80% From end of 12th to 43rd policy year
Endowment Option: No survival benefit is applicable.

• Maturity Benefit
On survival of the life assured to the end of the policy term, provided the policy is in-force
i.e. all due premiums have been paid, the following benefits will be payable, based on
the plan option:
Income Option Sum Assured on Maturity payable as lumpsum
Sum Assured on Maturity shall be paid in 4 equal annual instalments,
where the first instalment is payable at the end of the policy term and the
remaining 3 instalments are payable during the payout period.
Endowment Option Where, payout period is the period of 3 years from the end of policy
term.
In case of death of the life assured during the payout period the
outstanding maturity benefit instalment, if any, as scheduled will be
payable to the claimant(s).

Where “Sum Assured on Maturity” is equal to Base Sum Assured.

The policy will terminate on payment of the maturity benefit.
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Other Features
• Policy Loan
Loan will be available under the policy for up to 70% of the surrender value under the base
policy. The interest on loan is payable at the prevailing rate of interest applicable to the
loan. Prevailing interest shall be equal to 10-year G-sec benchmark effective annual yield
as on last working day of last financial year, round-up to the next multiple of 25 basis
points plus a margin of 150 basis points. The company reserves the right to change the
basis of determination of interest rate and to revise the applicable interest rate less
frequently than annual. The rate of interest on loans for FY 24-25 is 8.75% p.a.
compounded yearly. Please contact us to know the prevailing rate of interest for policy
loan.
For other than in-force and fully paid-up policies, if at any time during the term of the
policy, the sum of loan outstanding and unpaid interest on loan outstanding exceeds the
surrender value at that time; the policy will be terminated by recovering the loan
outstanding amount and unpaid interest amount from the surrender value after giving
intimation and reasonable opportunity to the policyholder to continue the policy. The
balance of surrender value, if any, will be paid to the policyholder.
For in-force and fully paid up policy, the policy can't be foreclosed on the ground of
outstanding loan amount including interest exceeds the surrender value.
Before payment of any benefit (death, survival, maturity or surrender) for a policy against
which loan is availed of, the loan outstanding and the interest on loan outstanding will be
recovered first and the balance if any will be paid to the policyholder or nominee, as
applicable.

• Riders
To safeguard yourself and your family members against certain unfortunate events, we
offer the following riders with this policy at a nominal cost.
1. Reliance Nippon Life Accidental Death Benefit Rider (UIN:121B032V03 or any later
version of the Rider) - Provides a lump sum equal to the rider sum assured in case of
death due to accident of life assured
2.Reliance Nippon Life Accidental Death and Disability Rider (UIN:121B017V03 or any
later version of the Rider) - Provides a lump sum equal to the rider sum assured in case
of death due to accident of life assured. in case of total and permanent disability, an
amount equal to the rider sum assured shall be payable in equal annual installments
over the 10 years under this policy.
3.Reliance Nippon Life Accidental Death and Disability Plus Rider (UIN:121B016V03 or
any later version of the Rider) - Provides a lump sum equal to the rider sum assured
in case of death due to accident of life assured. in case of total and permanent
disability, an amount equal to the rider sum assured shall be payable in equal annual
installments over the 10 years under this policy along with waiver of future premiums
under the policy.
You can choose any one of the above riders.
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 4. Reliance Nippon Life Critical Illness Rider (UIN: 121B018V03 or any later version of
the Rider)3 - Provides a lump sum amount equal to rider sum assured if diagnosed
with any of the 25 critical illnesses including cancer, heart attack, paralysis, major
organ transplant and many more.
Only Reliance Nippon Life Accidental Death Benefit Rider (UIN:121B032V03 or any later
version of the Rider) and Reliance Nippon Life Accidental Death and Disability Rider
(UIN:121B017V03 or any later version of the Rider) are available with single premium
policies and You can choose any one of the rider.
Riders may be selected at the inception of the policy, if available, or on any subsequent
policy anniversary (if available) subject to the rider terms and conditions.
Riders will be offered only where the outstanding premium payment term is at least 5
years. The rider premium payment term cannot be more than the premium payment
term of the base policy if opted at the inception of the base policy or the outstanding
premium payment term of the base policy, if taken subsequently. Rider premium should
be paid along with the premium for the base policy on the due date or within the grace
period. The mode and frequency of rider premium payment shall be same as the mode
and frequency of premium payment under the base policy.
3
Kindly refer the sales brochure for RNL Critical Illness Rider for details of illnesses
covered under this rider.
In case of single premium policy, the rider can only be attached at inception of the policy.
For further details on all the conditions, exclusions related to the riders, please read the
rider terms and conditions and rider sales brochure carefully or contact your insurance
advisor.

• Flexible premium payment frequencies

For a limited pay policy, you have an option to pay premiums either yearly, half-yearly,
quarterly or monthly. Quarterly and monthly frequencies are allowed only if the
premiums are paid electronically, like through ECS/NACH or online payment. For
monthly frequency, first two months’ premiums will be collected in advance at the time
of issuance of the policy.
Frequency loading as a percentage of Annualized PremiumT&C6 will be applicable as per
the table below:
Frequency Yearly Half- yearly Quarterly Monthly
Frequency Loading 0% 1% 2% 4%

• Grace period for payment of premiums

Under a limited pay policy, if you are unable to pay your premium by the due date, you
will be given a grace period of 30 days (15 days for monthly mode). During the grace
period the policy shall continue to remain in force. In case of a valid claim arising during
the grace period, but before the payment of due premium, the company shall honor the
claim. In such cases, the due and unpaid premium for the policy year will be deducted
from any benefit payable.

Page 7
• Premium discontinuance
If you discontinue the payment of premiums, your policy will either lapse or become
paid-up or can be surrendered as explained below:
Lapse
For a limited pay policy, if the premiums have not been paid in full for the first policy year,
your policy will lapse at the end of the grace period and the death benefit and rider
benefit if any will cease immediately.
A lapsed policy can be revived within the revival period which is five years starting from
the due date of first unpaid premium but before the maturity date. The revival is subject
to company’s Board Approved Underwriting Policy.
If a lapsed policy is not revived till the end of period of revival, the policy will be
terminated.
Paid-up Benefits
For a limited pay policy, if all due premiums have been paid in full for the first policy year
and no future premiums are paid, the policy will move to paid-up (or reduced paid-up)
status.
On your policy becoming paid-up, benefits under the policy will be reduced as given
below:
Benefit When is it payable Payout
Paid-up sum assured on death shall be payable as
Death lumpsum
On death of life assured during policy term
Benefit The Death Benefit payable under Reduced Paid-up Policy
will subject to a minimum of 105% of Total Premiums Paid.
The policy will terminate on payment of the paid-up death
benefit to the claimant(s)

Option When it is payable

Payable on survival of life Option Payout
assured, starting at the end
Income of each policy year after Income Paid-up guaranteed annual income shall
Survival Option premium payment term till Option be payable
Benefit one year prior to end of Endowment
Not applicable
policy term Option
Endowment
Not applicable
Option

Option Payout
Income Paid-up sum assured on maturity shall be
Option payable as lumpsum
Maturity Payable on the survival of life assured at the
Benefit end of policy term Paid-up sum assured on maturity shall be
paid in 4 equal annual instalments
starting from the end of policy term.
Endowment
On death of life assured during the payout
Option
period, the outstanding paid-up sum
assured on maturity installment, if any, will
be payable as scheduled
The policy will terminate on payment of the paid-up
maturity benefit.

Page 8
 Where:
Paid-up Sum Assured on Death = Sum Assured on Death multiplied by Paid Up Factor
Paid-up Sum Assured on Maturity = Sum Assured on Maturity multiplied by Paid Up
Factor
Paid-up Guaranteed Annual Income = Guaranteed Annual Income multiplied by Paid
Up Factor
Paid Up Factor = No of Premiums paid divided by Number of Premiums payable during
the Premium Payment Term

• Surrender
For a limited pay policy, the policy shall acquire a surrender value after completion of
first policy year provided one full year premium has been paid.
For single pay policies, the policy shall acquire a surrender value immediately from the
first policy year.
The surrender value payable during the policy term is higher of:
1. Guaranteed Surrender Value; and
2. Special Surrender Value
In case of Endowment Option, the policy cannot be surrendered during the payout
period.
• Guaranteed Surrender Value (GSV):
For limited pay policy, the policy shall acquire GSV if all due premiums have been paid
for at least first two consecutive policy years in full.
For single pay policies, the policy shall acquire GSV immediately from the first policy
year.
The guaranteed surrender value (GSV) is calculated as below:
Premium Payment Option Guaranteed Surrender Value
Guaranteed surrender value premium factor for limited pay
Limited Pay multiplied by Total Premiums PaidT&C4 less survival benefits
already paid
Guaranteed surrender value for premium factor for single pay
Single Pay
multiplied by Single Premium paid

• Special Surrender Value (SSV):

For limited pay policy, Special Surrender Value shall become payable after completion
of first policy year provided one full year premium has been received.
The applicable SSV shall be reviewed annually based on the prevailing yield on 10
Year G Sec and the underlying experience.
For more details on GSV and SSV, please refer to the policy terms and conditions.
The policy will be terminated once it is surrendered and cannot be reinstated.

Page 9
• Revival
A limited pay policy in a lapsed or reduced paid-up condition can be revived during the
revival period by paying the arrears of premiums along with interest at the prevailing
rate of interest. The prevailing rate of interest will change from time to time. For limited
pay policies, the revival period is 5 years from the due date of the first unpaid premium
or date of maturity of the base policy whichever is earlier. Prevailing interest rate shall be
equal to 10-year G-sec benchmark effective annual yield as on last working day of
previous financial year, round-up to the next multiple of 25 basis points, subject to a
minimum revival interest rate of 7% p.a. The rate of interest for revivals for FY 24-25 is
7.25% p.a. compounded yearly. Please contact us to know the prevailing rate of interest
for revival of policies.
The revival of the policy will be subject to Board Approved Underwriting Policy of the
Company. The revival interest rate will be declared on 1st April and will be applicable for
the financial year. The Company reserves the right to revise the applicable interest rate
less frequently than annual and change in basis of determination of revival interest rate.
On revival, the policy will be eligible for its complete benefits and any due and unpaid
benefit shall be paid immediately (without any interest) when the policy is revived.

Terms and ConditionsT&C

1. Alterations
The premium payment frequency can be changed during the premium payment term.
No other alterations can be made under this Policy.

2. Tax benefit
Premiums paid under Reliance Nippon Life Nishchit Samrudhi and rider(s) opted for, if
any, may be eligible for tax exemptions, subject to the applicable tax laws and
conditions. Income tax benefits under this plan and rider benefits, if any, shall be
applicable as per the prevailing income tax laws and are subject to amendments from
time to time. kindly consult a tax expert.

3. Taxes
Taxes, duties, cess and surcharges as levied by Tax authorities as per extant Tax Laws
as amended from time to time will be levied on the base premium and on the rider
premiums, if any.
In future, the Company shall pass on any additional taxes levied by the Government or
any statutory authority to the policyholder. The method of collection of these taxes shall
be informed to the policyholders under such circumstances.

4. Total Premiums Paid

Total Premiums Paid means the sum total of all the premiums paid under the base

Page 10
 product, excluding any extra premiums and taxes, if collected explicitly.

5. Suicide exclusion
For limited pay policies:
In case of death of life assured due to suicide within 12 months from the date of
commencement of risk under the policy or from the date of revival of the policy, as
applicable, the nominee or beneficiary of the policyholder shall be entitled to 80% of the
Total Premiums PaidT&C4 till date of death or the surrender value available as on the date
of death whichever is higher, provided the policy is in force with full or reduced benefits
and the Policy will terminate.
For single pay policies:
In case of death due to suicide within 12 months from the date of commencement of
risk under the policy, the nominee or beneficiary of the policyholder shall be entitled to
80% of the Single PremiumT&C7 paid or the surrender value available as on the date of
death whichever is higher, provided the policy is in-force, and the Policy will terminate.

6. Annualized Premium
Annualized Premium means the premium amount payable in a year excluding taxes,
rider premiums, underwriting extra premiums and loadings for modal premiums.
Substandard lives with medical conditions or other impairments will be charged
appropriate additional premiums in accordance with the Board approved underwriting
policy of the Company.

7. Single Premium
Single Premium means a lumpsum amount payable with respect to the base sum
assured chosen by you under the base plan, excluding the underwriting extra
premiums, rider premium, if any, loading for premiums, if any and taxes, cess and/or
levies.

8. Vesting on attaining maturity

If the policy has been issued on the life of a minor, the policy will automatically vest in
him/her on his attaining majority (eighteen years) and thereafter the life assured would
be the policyholder and the company shall enter into all correspondence directly with
the policyholder. Any assignment or nomination of the policy contrary to this provision
would be null and void against the company.

9. Free look period

You are provided with free look period of 30 days beginning from the date of receipt of
Policy Document, whether received electronically or otherwise, to review the terms and
conditions stipulated in the Policy Document. In the event You disagree to any of the
Policy terms or conditions, or otherwise and have not made any claim, You shall have
the option to return the Policy to the Company for cancellation, stating the reasons for

Page 11
 the same. You are requested to take appropriate acknowledgement of Your request
letter and return of Policy. Irrespective of the reasons mentioned, the Company shall
refund the premium paid subject only to a deduction of a proportionate risk premium
for the period of cover, if any and the expenses incurred by the Company on the
medical examination, if any, and stamp duty charges. The Policy shall terminate on
Free Look cancellation.
Please note that if the Policy is opted through Insurance Repository (‘IR’), the
computation of the said Free look Period will be from the date of the email informing
Policy credit in IR.
Any request received for Free look cancellation of the Policy shall be processed and
premium refunded within 7 days of receipt of the request.

10. Grievance Redressal Process

You can contact the company by sending an email at
[email protected] or by writing to us at our:
Registered & Corporate Office address: Unit Nos. 401B, 402, 403 & 404, 4th Floor,
Inspire-BKC, G Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai–
400051 OR
Reliance Nippon Life Insurance Company Limited 7th Floor, Silver Metropolis, Off
Western Express Highway, Goregaon East, Mumbai - 400 063; OR
Contact Our Customer Service Executive at Your nearest branch of the Company.
For more details please visit Grievance Redressal page on our website:
www.reliancenipponlife.com/querygrievance-redressal

11. Nomination & Assignment

Nomination is allowed as per Section 39 of the Insurance Act, 1938, as amended from
time to time. Assignment is allowed under this plan as per Section 38 of the Insurance
Act, 1938, as amended from time to time.

12. Section 41 of the Insurance Act, 1938, as amended from time to time
No person shall allow or offer to allow, either directly or indirectly, as an inducement to
any person to take out or renew or continue an insurance in respect of any kind of risk
relating to lives or property in India, any rebate of the whole or part of the commission
payable or any rebate of the premium shown on the Policy, nor shall any person taking
out or renewing or continuing a Policy accept any rebate, except such rebate as may
be allowed in accordance with the published prospectuses or tables of the insurer.

13. Section 45 of the Insurance Act, 1938, as amended from time to time
1) No policy of life insurance shall be called in question on any ground whatsoever after
the expiry of three years from the date of the policy, i.e., from the date of issuance of the
policy or the date of commencement of risk or the date of revival of the policy or the
date of the rider to the policy, whichever is later. 2) A policy of life insurance may be

Page 12
called in question at any time within three years from the date of issuance of the policy
or the date of commencement of risk or the date of revival of the policy or the date of
the rider to the policy, whichever is later, on the ground of fraud: Provided that the
insurer shall have to communicate in writing to the insured or the legal representatives
or nominees or assignees of the insured the grounds and materials on which such
decision is based. 3) Notwithstanding anything contained in sub-section (2), no insurer
shall repudiate a life insurance policy on the ground of fraud if the insured can prove
that the mis-statement of or suppression of a material fact was true to the best of his
knowledge and belief or that there was no deliberate intention to suppress the fact or
that such mis-statement of or suppression of a material fact are within the knowledge
of the insurer: Provided that in case of fraud, the onus of disproving lies upon the
beneficiaries, in case the policyholder is not alive. 4) A policy of life insurance may be
called in question at any time within three years from the date of issuance of the policy
or the date of commencement of risk or the date of revival of the policy or the date of
the rider to the policy, whichever is later, on the ground that any statement of or
suppression of a fact material to the expectancy of the life of the insured was incorrectly
made in the proposal or other document on the basis of which the policy was issued or
revived or rider issued: Provided that the insurer shall have to communicate in writing
to the insured or the legal representatives or nominees or assignees of the insured the
grounds and materials on which such decision to repudiate the policy of life insurance
is based: Provided further that in case of repudiation of the policy on the ground of
misstatement or suppression of a material fact, and not on the ground of fraud, the
premiums collected on the policy till the date of repudiation shall be paid to the insured
or the legal representatives or nominees or assignees of the insured within a period of
ninety days from the date of such repudiation. 5) Nothing in this section shall prevent
the insurer from calling for proof of age at any time if he is entitled to do so, and no
policy shall be deemed to be called in question merely because the terms of the policy
are adjusted on subsequent proof that the age of the life insured was incorrectly stated
in the proposal.

Page 13
This product brochure gives only the salient features of the plan and it is only indicative of terms, conditions, warranties and exceptions.
This brochure should be read in conjunction with the benefit illustration and Policy Terms and Conditions. For further details on all the
conditions, exclusions related to Reliance Nippon Life Nishchit Samrudhi, please contact our insurance advisors. Tax laws are subject
to change, consulting a tax expert is advisable. Trade logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited
& Nippon Life Insurance Company and used by Reliance Nippon Life Insurance Company Limited under license.
In the event of conflict, if any, between the terms and conditions contained in the brochure and those contained in the Policy document,
the terms and conditions contained in the Policy document shall prevail.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS: IRDAI is not involved in activities
like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to
lodge a police complaint.

Reliance Nippon Life Insurance Company Limited (IRDAI Registration No. 121)

Registered & Corporate Office Visit us

Unit Nos. 401B, 402, 403 & 404, 4th Floor, www.reliancenipponlife.com
Inspire-BKC, G Block, BKC Main Road,
Bandra Kurla Complex, Bandra East, Like us on Facebook
Mumbai - 400051. India. www.facebook.com/RelianceNipponLifeInsurance

Call us: 1800 102 1010 (Toll Free) between Follow us on Twitter
8 am to 8 pm from Monday to Saturday. @relnipponlife

Chat with us on Whatsapp number Email us

(+91) 7208852700 [email protected]

UIN for Reliance Nippon Life Nishchit Samrudhi: 121N142V03. CIN: U66010MH2001PLC167089.
Mktg/RKL/Nishchit Samrudhi Brochure/V2/Oct24