Hello Mr Aravind Mehta Sir, Good Morning, I hope you're doing well.
it's great to connect with you today. thank you
for your precious time for this meeting., I promise you’ll feel happy after my presentation.
My name is Ganesh , I am a Training Manager from HDFC Life and I have been working in this industry since the past
10 years. During my tenure I have advised more than a 1000 clients on Insurance needs, and I'm here to
discuss a solution that addresses your concerns.
As we discussed Last week, you said that you have 10 working years remaining and are looking for a plan
which would start giving you an annuity once you reach 61 years of age. You have some investments on
Mutual Funds while managing the educational expenses of your kids. Which is a great achievement. You
need to be aware than expenses will continue post your retirement, but income will stop. This is a major
issue and hence we are here to present to you this annuity plan.
“Sir, as we progress in life, we often prioritize our family’s goals — children’s education, lifestyle, and security — and
tend to postpone planning for our own retired life. Considering you have just about 10 working years left, it’s the right
time to ensure financial independence for you and your wife, so that you can enjoy your golden years comfortably
without depending on anyone.”
its like “younger you taking care of the older you”
We have a plan that will meet your needs, I would like to present “HDFC Life Smart Pension Plus – Joint Life, Life
Annuity with 50% Return of Premium Option.” which
will fulfil your retirement needs. which Is annuity to you and also for your wife Niveditha who is now 48
years. This is a Plan with extensive benefits that can help you to live your life after retirement without any
financial worries! It is a A Non-Linked Non-Participating Individual Annuity Savings Plan
Key Features:
[Link] Income for Life
[Link] Life Cover
[Link] of Premiums (ROP)
[Link] Premium Payment Term (PPT)
[Link] Starting from Age 60
[Link] Benefits
[Link] Medicals Required**
Sir, by paying premiums for 10 years, you can lock a guaranteed lifelong income for yourself and your wife. You will
start receiving regular monthly income from age 60 onwards, ensuring financial independence even after retirement. In
case of your unfortunate demise, your wife will continue to receive the same income for her lifetime. Additionally, your
legal heirs will receive 50% of the premiums paid as a legacy benefit — giving you the peace of mind that your family’s
future is secured.”
For example
Plan Option: Joint Life – Life Annuity with 50% Return of Premium. For this if you pay Premium of ₹5,00,000 per
annum for Premium Payment Term (PPT) of 10 years, Policy Term (PT): 10 years
you’ll start reviving Income after Age of 60 years
and Guaranteed Monthly Income will be ₹32,912 (for life) and after your demise Niveditha madam will get
Continuation of Same ₹32,912 monthly income for her lifetime.
- Legacy Benefit: ₹25,00,000 (50% Return of Premiums) payable to legal heirs after both lifetimes.
with this structure ensures uninterrupted financial flow, lifetime coverage, and legacy creation — all without market
dependency
To close, This financial pension solution, gives you a fixed annuity for the reminder of your lives, post which
25L which is a legacy benefit will come to the nominee. The annuity is guaranteed income. By purchasing
this plan Lock annuity rates today, which is 8.18%. Deferment of 10 years by default. It is a financial
provision with return of premiums or ROP providing a steady stream of income post retirement and there
by ensuring financial freedom.
Sir, with Smart Pension Plus, you can continue the stream of income even after you retire. You can be young without
money, but you cannot be old without it. So, secure your future today with this plan and enjoy lifelong financial
freedom. If you’re comfortable, we can go ahead with the documentation, and I’ll help you with the proposal form and
required details.”