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0 ABC to TLC (Team Life Care)

TLC Insurance India Pvt. Ltd ( TLC )
Team Life Care Insurance India Pvt. Ltd is a partner company of Bajaj Allianz. Company is acting as a mediator between Bajaj Allianz and Agents of Bajaj Allianz.
1)TLC is the No One Channel Partner of Bajaj Allianz among 05 channel partners.
2) TLC is the First ISO Certified Pvt Company which is now promoted as PRIORITY Partner.
3) TLC has settled more than 10000 of families through its tremendous business plans and strategies.
4) TLC is registered under Companies Act 1956.
5) MOTO of TLC is to provide  a) Savings    b) Security   c) Additional Income

Products:
1) Invest yearly premium for Rs.5900 halfyr, Rs.10,900/yr, Rs.13,400/yr..by taking Demand draft in favor of Bajaj Allianz Life Insurance Co. Ltd payable at Salem .
2) Maximum Premium – No Limit
4) Minimum Payable – 3 Years
5) Age of Entry – 0 to 60 Years
6) Coverage – Up to 70 Years (Minimum fund value to be maintained above 150% of Annual premium)

Benefits:
1) Life Insurance for your life time
2) Growth of returns based on your inflation rate
3) Tax Savings under IT Section(80C or 80D or 10(10)D)

Documents Required:
1) Proposal Form
2) Clear Age Proof copy (PAN Card or Driving License copy)
3) Photo Id proof (PAN Card or Driving License copy)
4) Photo’s of the proposer (4 Passport Size photo’s)
5) Address proof (Driving License or Passport or Ration Card copy)

Outlook:
According to sources, in India only 2.5% of population are insured and 97.5% of population have not insured and about Rs.15,000/- crores insurance premium are untapped. So become TLC co-coordinator and join with us to make a financially secured Society.We have income plan for every one
Gateway to TLC Co-coordinator:

Who is a TLC Co-ordinator:
A TLC co-ordinator is responsible for sourcing and generating leads for and on behalf of TLC, thus getting entitled for incentives and start earning!
(example for Rs.5900/- premium policy)
I. Referral Incentive: 1st Premium Sponsor a pair and Tail and get Rs.600 for each pair Maximum payout is Rs.50,000/- for 15 days.
II. Marshal Incentive -I: 2nd Premium for renewal of every pair you get Rs.250 for each pair Maximum payout is Rs.25,000/- for 15 days.
III. Marshal Incentive -II: 3rd Premium for renewal of every pair you get Rs.250 for each pair Maximum payout is Rs.25,000/- for 15 days.
IV. Life Incentive: 4th Premium onwards for renewal of every pair you get Rs.100 for each pair Maximum payout is Rs.12,500/- for 15 days.

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Ratio = 1 : 1 (One pair means two policies).
Payment in every 15 days covering the period from 1-15 and 16 to 31.

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ANDAMMAN TOUR:

Eligibility.
1. 1000 Pairs in their respective down line at any level.
2. No Time Limit to achieve this post.
3. 6 days 5 nights tour to Andamaan.

 

CAR ACHIEVER:

Eligibility.
1. On making 3500 Pairs in their respective down line at any level.
2. No Time Limit to achieve this post.
3. Advance against the down payment for Car Rs.75,000/- will be paid.
4. By the time this coordinator have drawn a sum of Rs.2,10,000/- (3500 Pair points X Rs.600/- per pair).
5. Can buy any make of Car of Rs.16 Lakhs worth of their own choice.

6. Maximum of Rs.21,000/- per month for 72 months as Car Fund.**
7.Only Two Car will be provided per family.

PENSION ACHIEVER :

Eligibility.
1. Two Car Achievers in their respective down line at any level.
2. No Time Limit to achieve this post.
3. One lakh will be deposited by TLC with Bajaj Allianz Pension Plan in your name for getting the pension as per the Pension Plan’s policies in force.
4. Pension will start at the age of 60 years.

 

DIRECTOR ACHIEVERPLATINUM CO-ORDINATOR :

Eligibility.
1. Two Pension Achievers in their respective down line at any level.
2. No Time Limit to achieve this post.
3. 10% share from total profit of the Company.
4. Will be paid for the full Generation as a Royalty.
5. Can say approximately Rs.5 – 6 Lakhs per month.
Those who wants to fulfill their dream are most welcome to achieve their GOAL by putting their dedicated hard work as a team together.

 

FREQUENTLY ASKED QUESTIONS…

1)How can I trust Bajaj Allianz and TLC Insurance India Pvt. Ltd?

Any insurance company to start their business, they have to register under IRDA. Based on IRDA approval only they can start their insurance business. In this way, Both Bajaj Allianz and TLC Insurance India Pvt. Ltd are registered companies under IRDA

2) What is IRDA?

IRDA is an independent authority like RBI. RBI is specially meant for Banking Sector. Similarly IRDA is meant for Insurance Sector by Government of India.

EARNING FOR NEXT GENARATION THROUGH TLC.

1 Is TLC (Team Life Care) Fake or Not?

I would like to take opportunity to introduce Referral marketing business started by 3 MBA students, the company is TLC (Team life care).

People who has enthusiasm, determination, positive attitude and goal towards to learn new skills, build their network, etc ... this is very good opportunity for learning and establishing your own network

But why should you join with me, see some real facts about this company

• It’s a channel partner for Bajaj Allianz Life Insurance company
• TLC is approved IRDA agent
• TLC is registered under Companies Act 1956.
• TLC is the First ISO Certified Pvt Company which is now promoted as PRIORITY Partner (or) Number 1 Channel partner and No.1 Corporate Agent..
• MOTO of TLC is to provide a) Savings    b) Security    c)Additional Income
• It got clearance certificate from Supreme Court of India and from all states of High courts where it's actually doing business.·
• In this referral marketing schemes, No Levels, no confusing percentages, no complicated multi-level schemes, same commissions on direct and indirect referrals.
• No time limit, no quotas, no targets, no sales (only referrals) and life time business.
• We sell policies, by selling policies to people we provide security to their families and there is no fraud in this business.
• As this referral marketing linked with policies selling, as from sources in India, we expect at least 75% of population need life insurances, so lot of scope and opportunity in this business to grow.
• We can gain knowledge on policies, improve social relations and marketing skills.
• TLC has excellent organization management, constraints on concept and company policies
• No magic in money generation, TLC gets money from Bajaj Allianz on selling each insurance policy, same is distributed to coordinators.
• It is solving unemployment in India and generating revenue for India
• One of the Indian company which is doing international business
• 72 branches in India

How TLC works

• In this business, no magic in generating the money, TLC gets money as commission from Bajaj Allianz Insurance company on every policy taken by new joining member.
• In general, on every policy, agent gets 10 to 30% commission, but in our system, TLC distributes the same commission to all the relevant coordinators

Why this might work

• As per sources in India only 30% of people have insurance, so lot of scope for success
• The TLC could be the next generation of financial vehicles to help, to put you on the road, for financial independence

RBI/IRDA

• R.B.I (Reserve Bank of India) controls all banks in India.

- To undertake consolidated supervision of the financial sector comprising commercial banks, financial institutions and non banking finance companies.

• I.R.D.A controls all insurance business, channel partners, etc… in India. They are settingstructure and boundaries for the insurance companies to act upon.

TLC Approved IRDA Agent

 

Bajaj Allianz Life Insurance | Channel Partners

(Click the above link to see the channel partners list)

 

Who is Bajaj:

• 7 years trusted company
• Bajaj Auto is one of the most trusted name in Indian auto industry
• Soled over 50,00,000 policies to satisfied customers

Who is Allianz:

• Allianz SE is one of the largest asset managers in the world
• Managing assets worth over a Trillion (Over INR. 55, 00,000 Crores)
• Allianz SE has over 120 years of financial experience
• Present in over 70 countries around the world
• Insurance to 7 wonders of the world and 50% of the fortune 500 companies

Super Cash Gain Policy Details

Tax savings under IT Section (80C or 80D) or 10(10)D)

To know about this policy, you can visit below website and also you can view the below attached images.

DOWNLOAD the BAJAJ ALLIANZ Presentation

Example

How safe is my money

Extra Benefits

In long run we will have excellent benefits, please refer to http://tlcnet.in/frmplan.aspx or Resources section

Required documents

• Policy DD amount in of “Bajaj Allianz Life Insurance Co. Ltd.,” payable at Salem
• Standard age proof (PAN Card or Driving License copy or SSC memo)
• Address proof (Driving License or Passport or Ration Card copy or Voter ID Card)
• Photo Id proof(PAN Card or Driving License copy or SSC memo)
• Recent photographs (4)

See the one of the Journalist analysis in Corporate Frauds wrote by Shyam Sundar (in http://corporatefraudswatch.blogspot.in)

About Shyam Sundar: I have been a journalist all through my life now I am an advocate also. I have been waging a battle against the multilevel marketing and money circulation schemes.

from this link

“Team Life Care is violating IRDA regulations and indulging money circulation scheme”

Do not Forget to Write the Feedback about this article here….

0 Frequently Asked Questions - Cash Gain

1: What type of product is Cash Gain?

Cash Gain is a regular premium payment participating money back plan with minimum guaranteed benefits at survival on certain years during the policy term (including maturity) or on death whichever is earlier.

2: What is the minimum and maximum entry age for this plan?

Minimum age at entry is 15 years and maximum age at entry is 55 years .

3: What is the policy term available?

The policy term available is 15 yrs

4: What is the premium paying term available?

Premium Paying Term shall be policy term i.e 15 years.

5: What is the minimum and maximum premium for this plan?

Minimum Regular Premium is Rs. 6650 per Yearly Installment.

Maximum Premium: No Limit

6: What is the Sum Assured under this plan?

Minimum Sum Assured is Rs. 50,000 and Maximum Sum Assured is unlimited.

7. What are Bonus, Interim Bonus and Terminal Bonus?

ANNUAL BONUS:

At the end of each financial year the Company will declare a rate of reversionary bonus expressed as a percentage. This percentage will be applied to the sum assured plus existing declared reversionary bonuses to determine the amount of reversionary bonus to be added to the policy at the year-end. That is, compound reversionary bonus will be allowed.

INTERIM BONUS:

In the event of a claim part way through a financial year or before the valuation result is declared, an interim bonus will be payable as per the actuary's recommendation in the earlier valuation report (which is likely to be proportional to the premium paid during this period).

TERMINAL BONUS:

Furthermore, on death after 15 policy years or on maturity, the company may pay terminal bonus for in force policies as per recommendation of the actuary in the valuation report.

8: What is the Death Benefit under the plan?

In case of death of the Life Assured during the policy term, provided the policy is in-Force for full Sum Assured, the company shall pay the Sum Assured plus the applicable bonus, if any, to the nominee. The Sum Assured shall depend upon the plan variant chosen by the Policyholder and is a multiple of the Base Sum Assured, as per the table below:

The death payouts would be as follows for the various Pakages
Package	Death Benefit
CashGain Economy	Sum Assured + declared compound reversionary bonuses + interim bonus + a possible terminal bonus*
CashGain Gold	Double Sum Assured + declared compound reversionary bonuses + interim bonus + a possible terminal bonus*
CashGain Diamond	Triple Sum Assured + declared compound reversionary bonuses + interim bonus + a possible terminal bonus*
CashGain Platinum	Quadruple Sum Assured + declared compound reversionary bonuses + interim bonus + a possible terminal bonus*
*In case of death after 15 full policy years, the company may pay terminal bonus for in-force policies.
The policy terminates on death of the life assured

No death benefit shall be payable in case the policy is lapsed.

9: What is the Survival & maturity Benefit under the plan?

If all premiums till the due date of the cash-back payment have been paid, the Policyholder will receive specified percentage of Sum assured as cash-back at the end of each of the following policy years.

Term	No of years at the end of which Cash Benefit Becomes Due
	1st Cash Benefit	2nd Cash Benefit	3rd Cash Benefit	4th Cash Benefit	Maturity Benefit
15 yrs	3yrs	6yrs	9yrs	12yrs	15yrs
% of Sum Assured Payable as Benefits	10%	15%	25%	25%	50% + Bonus*

If the policy is lapsed or paid-up, the cash back shall not be payable.

11. Whether this death cover can be increased?

The policyholder has the option to include additional death coverage of 50% of the basic sum assured at each of the following three occasions:

��marriage,

��birth of the first child and

��birth of the second child.

The additional death coverage is not subject to underwriting. The premium for the additional death coverage will be based on rates available at that time. The additional death coverage does not increase the basic sum assured or the double/triple/quadruple cover inbuilt into CashGain Gold/Diamond/Platinum.

12: Can this policy be surrendered?

Yes, The Policyholder has the option to surrender the policy anytime after 3 years, provided at least 3 years' premiums have been paid .

13: Can the Survival Benefit be adjusted against the premium due?

Yes. The Policyholder may utilize the cash back to pay premium(s) that is/are due immediately and/or in the future. Any residual amount after adjustment to premium(s) will be paid out to him.

14: Is there an option of additional riders?

Yes. The Policyholder has the option to choose the following riders:

a) Comprehensive Accidental Protection benefit

b) Family Income Benefit

d) Critical Illness benefit

e) Waiver of Premium

15: What happens if the Policyholder is unable to pay regular premiums during the first 3 policy years?

If at least 3 full years' premiums are not paid, then the policy will immediately lapse at the expiry of the grace period and no benefits under the plan will be payable. The Policyholder can revive the policy during the revival period of 2 years from the due date of first unpaid premium, subject to the revival conditions

16: When and how can the policyholder revive the policy?

A Policy, which has lapsed for non-payment of premium, may be revived subject to the following conditions;

a) The application for revival is made within 2 years from the due date of the first unpaid premium but before the maturity date;

b) Payment of all due premiums along with applicable interest at such rate as the company may decide from time to time.

c) Satisfactory evidence of good health, at the Policyholder's expense, is submitted;

d) The revival of the policy may be on terms different from those applicable to the policy before it got lapsed depending upon the prevailing underwriting norms of the Company.

e) The Company may at its sole and absolute discretion refuse to revive the Policy.

17: When will the policy terminate?

This Policy shall automatically terminate on the earlier occurrence of either of the following events:

a) On the Full Surrender of the policy.

b) On expiry of the revival period, if three full years' premiums have not been paid.

c) On foreclosure, if the paid-up Base Sum Assured plus accrued bonus is less Rs. 1,000.

d) On the death of the Life Assured.

e) On the Maturity Date.

0 Frequently Asked Questions - Super Cash gain

1: What type of product is Super Cash Gain?

Super CashGain is a Non-Linked, Participating, Limited Premium Payment

Endowment Plan.

2: What is the minimum and maximum entry age for this plan?

Minimum age at entry is 0 years and maximum age at entry is 65 years for the base plan.

3: What is the policy term available?

Three policy terms available is 20 yrs.

4:What is the premium paying term available?

Premium Paying Term shall be policy term minus 5 years. i.e 15yrs

5: What is the minimum and maximum premium for this plan?

Minimum Regular Premium is Rs.10900 per Yearly Installment, 5900 HLY, 13400 yearly, and 25900 yearly and above

Maximum Premium: No Limit

6: What is the Sum Assured under this plan?

Minimum Sum Assured is Rs. 50,000 and Maximum Sum Assured is unlimited.

7: What are Sum Assured and Base Sum Assured?

Base Sum Assured is the benefit amount the policyholder needs to choose at inception of the policy for receiving the survival benefits, the maturity benefit and, if applicable, the surrender benefit under the plan.

Sum Assured is the minimum benefit amount payable upon death of the Life Assured and is a multiple of the Base Sum Assured under the plan. The multiple will depend on the plan variant (Silver, Gold, Diamond or Platinum) chosen by the policyholder at the inception of the policy.

8: What are the various plan variants and the respective Sum Assured allowed under the variants?

The plan has the following four (4) plan variants:

a) Silver - with Sum Assured equal to Base Sum Assured

b) Gold - with Sum assured equal to twice the Base Sum Assured

c) Diamond - with Sum Assured equal to thrice the Base Sum Assured

d) Platinum - with Sum assured equal to quadruple Base Sum Assured

The Surrender Value, Survival Benefit and the Maturity Benefit will be determined on the basis of the Base Sum Assured under the policy.

9: What are Compound Reversionary Bonus, Interim Bonus and Terminal Bonus?

The Company will carry out annual valuation (as per the current IRDA regulation) at the end of each financial year and may declare following bonuses for the policies where all the due premiums have been paid.

a. Compound Reversionary Bonus:

This is a regular bonus expressed as a percentage

And is applied to the Base Sum Assured and the compound reversionary bonus amount already attached to your policy. The compound reversionary bonus, once declared, shall vest in the policy immediately, provided all due premiums have been paid and shall be payable as part of the death benefit or the maturity benefit.

b. Interim Bonus:

The Company may pay interim bonus as well for the policies, where any premium has been paid after the last valuation date and the death or maturity benefit is payable before the next valuation date.

c. Terminal Bonus:

If the policy has completed 10 years or more and all due premiums have been paid, the company may pay a terminal bonus as well on the termination of the policy. This will be payable only as part of the death benefit or the maturity benefit.

10: What are reduced Base Sum Assured and Reduced Sum Assured?

Reduced Base Sum Assured:

This is applicable when the Policyholder discontinues the premium payment under the policy after paying at least 3 years' premiums in full. This amount is arrived at, as on due date of first unpaid premium, by multiplying the prevailing Base Sum Assured with a paid up value factor (as per Annexure A). The paid up value factor shall depend upon the number of years the premiums have been paid in full and the premium payment term.

Reduced Sum Assured:

This is also applicable only if the Policyholder discontinue the

Premium payment under the policy after paying at least three years' premiums in full. This is the minimum benefit amount payable upon death of the Life Assured under a paid up policy. (As per Annexure A). The paid up value factor shall depend upon the number of years the premiums have been paid in full and the total premium payment term.

11: What is the Death Benefit under the plan?

In case of death of the Life Assured during the policy term, provided the policy is in-

Force for full Sum Assured, the company shall pay the Sum Assured plus the applicable bonus, if any, to the nominee. The Sum Assured shall depend upon the plan variant chosen by the Policyholder and is a multiple of the Base Sum Assured, as per the table below:

Plan Variants Sum Assured equal to	Silver	Gold	Diamond	Platinum
	Base Sum Assured	Double the Base Sum Assured	Triple the Base Sum Assured	Quadruple the Base Sum Assured.

Any premium collected in advance but not due (at the time of death) will be refunded along with the death benefit. The amount refunded will be advance premiums which are paid-but-not- yet-due, as paid, shall be refunded. If the policy is in auto cover, the above death benefit shall

Be reduced by all the due-but-unpaid premiums along with applicable interest.

 In case of death of the Life Assured while the policy is paid up, the company will pay the Reduced Sum Assured plus the vested bonus to the nominee.

 In case of death of the Life Assured after the policy has been converted to a Single Premium Term Cover with Return Of Premium (SPTC with ROP), the company shall pay the revised Sum Assured, i.e., the Sum Assured ascertained at the time of such conversion of the policy.

No death benefit shall be payable in case the policy is lapsed.

12: What is the Survival Benefit under the plan?

If all premiums till the due date of the cash-back payment have been paid, the

Policyholder will receive 20% of the Base Sum Assured as cash-back at the end of each of the following policy years.

Policy Term	1st Cash back	2nd Cash back	3rd Cash back	Maturity benefit
20yrs	5th yr	10th yr	15th yr	20th yr

If the policy is lapsed or paid-up, the cash back shall not be payable. If policy is in auto-cover, the cash-back will be 20% of the Base Sum Assured less all the premiums due-but-unpaid along with applicable interest (to the extent of the cash back amount).

13: What is the Maturity Benefit under the plan?

Provided all due premiums have been paid, 40% of the Base Sum Assured plus applicable bonus shall be paid to the Policyholder on maturity date.

However, if the policy is paid up, then, the maturity benefit payable shall be the Reduced Base Sum Assured plus the vested bonus. In case the policy is converted to a SPTC with ROP, the maturity benefit shall be the single premium, as determined as on the date of such conversion

14: Can this policy be surrendered?

Yes, The Policyholder has the option to surrender the policy anytime after 3 years, provided at least 3 years' premiums have been paid & provided the policy has not been converted to a SPTC(Single Premium Term Cover) with ROP(Return of Premium).

15: Can the Survival Benefit be adjusted against the premium due?

Yes. The Policyholder may utilize the cash back to pay premium(s) that is/are due

Immediately and/or in the future. Any residual amount after adjustment to premium(s) will be paid out to him.

16: Is there an option of additional riders?

Yes. The Policyholder has the option to choose the following riders:

a) Comprehensive Accidental Protection benefit

b) Supplementary Death Benefit

c) Family Income Benefit

d) Critical Illness benefit

e) Hospital cash benefit

17: What happens if the Policyholder is unable to pay regular premiums during the first 3 policy years?

If at least 3 full years' premiums are not paid, then the policy will immediately lapse at the expiry of the grace period and no benefits under the plan will be payable. The Policyholder can revive the policy during the revival period of 2 years from the due date of first unpaid premium, subject to the revival conditions

18: What happens if the Policyholder is unable to pay regular premiums after first 3 policy years' premium has been paid?

If at least 3 full years' premiums are paid in full and subsequent premiums are not paid, then the policy will be subjected to the following:

a) AUTO COVER: The policy shall remain in-force for the full Sum Assured, except for the additional rider benefit(s), if any, for 2 successive years (auto cover period) from the due date of first unpaid premium

b) PAID-UP VALUE: If the Policyholder fails to restart premiums payment during the auto cover period, the policy shall be converted to a paid up policy on completion of auto-cover period. The Base Sum Assured and the Sum Assured will be reduced to the Reduced Base Sum Assured and the Reduced Sum Assured respectively, by multiplying the prevailing Base Sum Assured and the Sum Assured by a paid up value factor.

19: What happens if the Policyholder is unable to pay regular premiums after first 5 policy years' premium has been paid?

If at least 5 years' premiums are paid & subsequent premiums are not paid, after the expiry of the auto-cover period, the Policyholder can select from the following options:

(I) continue the policy as a paid-up policy

Or

(ii) Opt to convert the policy into a SPTC with ROP provided the outstanding term of the policy is at least 5 years by giving a written notice to the company at least 30 days before the end of the auto-cover period. If the Policyholder fails to choose and communicate to the Company about the option chosen from options (i) and (ii) above, the default option will be option (i), wherein the policy shall continue as a paid-up policy.

20: When and how can the policyholder revive the policy?

A Policy, which has lapsed for non-payment of premium, may be revived subject to the following conditions;

a) The application for revival is made within 2 years from the due date of the first unpaid premium but before the maturity date;

b) Payment of all due premiums along with applicable interest at such rate as the company may decide from time to time.

c) Satisfactory evidence of good health, at the Policyholder's expense, is submitted;

d) The revival of the policy may be on terms different from those applicable to the policy before it got lapsed depending upon the prevailing underwriting norms of the Company.

e) The Company may at its sole and absolute discretion refuse to revive the Policy.

21: When will the policy terminate?

This Policy shall automatically terminate on the earlier occurrence of either of the following events:

a) On the Full Surrender of the policy.

b) On expiry of the revival period, if three full years' premiums have not been paid.

c) On foreclosure, if the paid-up Base Sum Assured plus accrued bonus is less Rs. 1,000.

d) On the death of the Life Assured.

e) On the Maturity Date.