1. Page 1Manish SuryawanshiSDMs Sectt. Nagpur... Chapter 1

2. Page 2 3. Page 3Chapter 2 4. Page 4Chapter 3 5. Page 5Chapter 5 ? ( ( ? * ,- . / ,1- ? ,2 . * . * ?5 * 7 ? 892 7 < = ? - @ 7 * = * * * * ? C C 892E C - - E 892E ? 892 F 2 G ? 2 ( ( ) - - - ? 1 6. Page 6 1 ? : - - - * MG ? P ? G ,- ? 892 Q ( . * ? Q 2 - - ?LIEN @ @ C ?1 X MG . / 1 - ,/ ? IRDA 7 - ( ] E 92 ? Q ` ? 2 * E , F 8 C . !2 7. Page 7 * G MG ,/ 892E 892E E @ * - ] d 80 c h Q * , C i . ! 80 D iE , k 92 - l C P , P - ` - . - . C - - SSI - * . X= G( :- p 892 q . r C s @ X ,- * ,- k - ` 3 8. Page 8 892 , ( - * 892 , Q - @ , F , u - v - E , 2 F k * . E x ?MG l v - 892 ( l p 892 - - * - ( v p * | ,/ l G 2 ! 892 !4 9. Page 9 2 892 C C - ,1 | % ,1- C * ,- ? 892 7 * - * k = * 82 ? 892 C @ . 7 * - * k - 892 v ! : - 1 7 Chapter 6 < | Q 892 i / 8 = < = 5 10. Page 10 7 X/ 892 Q ] - ,- / % 8 % 80 c - k@ . 892 @ E i @ - * 892 80 c C E (infrastructure bond ) E ,- ,- < E = 5 k 892 ,2| 8 | 15 - * (lapse ) ` 892 8 2 = @ 892 5 < 6 11. Page 11 892 ,- q ,- (ROI ) 892 % v 8 ,- < = 5 - 892 ,- X/ G 7 < - Q X/ 892 8 ,/ ( dabt fand ) v X/ 892 = / 5 E X 892 % - i 892E - < p E ( bonds ) = 5 ` |, ,- | 7 12. Page 12 892 G( : X/ , | 892 / - < / < < 2 892 (sehlament) = ,/ * 7 q = 892 : | / 5 | ( asset management companies ) | p G- < |, 5 E < Q / - /- E C C i , * ` . 892 - E T F ,- k q 8 13. Page 13| / E |, r d p k 7 Chapter 7100000 / 1961 - - 892 - - q 892 = * . - l | p u | G | 8 MG 8 . i * 8 X 8 * | 9 14. Page 14 5 8 892 v : -, 10 < 892 MG |C v lapsed < C G / G = . 892 892 X ( 8 q 892 * C (gap ) ( ,- - * 20% 892 @ F i * , * 892 * , @ F - * k C * l = - * - C -(immediate annuity ) 10 15. Page 15- (annuity ) Q ,- - - - 7 - , , |C q 100000 , , q ,/ q . * (corpus money ) p ,- (commutation ) l q i G XE , @ 8 X 8E - i * ,/ . i * , E , i * 892 110 360 =- , , * * 11 16. Page 16 892 , 892E * - . ( i * * = * - 4 k (custmise ) ,2 ( ,2 C 30% 30% . C vi 100% - k - , - q C - - 892 Q * 12 17. Page 17 | k - (lapsed) *C Chapter 8 k X| v ( - iE q d i ( P | k q X 892 2 i k k C v , ( , i |C * v @ ( v Q 8 - k v Q Q ,, , @ ( MG - . : = v @ v v k @ X/ - q @ l 892 ( v . 892 C (surety ) 892 - . 13 18. Page 18@ ` X - 892 u . , ( MG q - 8 - ,2 892 v v 892 | v v - E (Q - 892E -, . 8 v , l v , l k v k i P2 - 892 ( MG . ,- = ? v k p G- , F - 14 19. Page 19 , F 2 @ G- ( C @ * * G - 892 @ ( ` @ * i * < 8 iE k v k /E 892 v2 . C . k 892 , , ,, , 892 20 - X| 7 - C:19 - 892 v ( E ( uE ( @ s ( 892 , Q - , ( q 515 20. Page 20 G 892 8 C C 892 /E 892 8 892 G (Q | , (Q - G Chapter 9k E Q q C 8E s ( - k G E Q 892 - u Q C E d G k - iE k - k v G d - k v 16 21. Page 21 892 25 - / - * k i ( iE l k v iq l - QG k v - 8 k iE k 8 8E 8 8E 892 @ *C - @ | . G k v7 , kE v - P . E , i * , E . , - ,1 17 22. Page 22 iE q ` i ,- ( k @ * * - : * p - q = @ p @ @ i q v - . i q C | v k i q k v ` k v QG 2 k q r k k 6% 10% E ( 892 | v Chapter 10 - G- ( G v k - 18 23. Page 23 k . - k 82 86 k - @ k @ ` - k - G l - (churinig ) k * 7 - q k u q - * k - ( G k v G 8 892 3 - Q 7 @ * - 2 d - 892 19 24. Page 24,2 - k q ` k C 892 C k q k 1 k - - l C , p q 10 E - /E k , 892 k - * , @ q - - /E - 35% q 20 25. Page 25 k . 892 - - 35% d k G *C ,u 1938 - ,u - k -2 k ,1 k . X - ( Chapter 11 1 - l 892 7 7 | irda ( ) 72% 8 < 52% 5, ,E iE - 21 26. Page 261872 7 - | ( presumption clause ) 892 C . 892 100000 P 20000 892 X . ,2 = 892 1000000 * 100000 3 l = (critical illness ) (termrider ) ,/ - 5 892 MG 7 ,- , - - ,- v - q ,-v . ,/ *C ,/ l P 892 , E v . /E - . 22 27. Page 27 ` MG -- 30 E X - - 7 2 ] < k 2 MG XC q 30 E v ,/ MG 892 20 - ,/ - - MG + / < - 7 892 MG . . 892 k - 23 28. Page 28 892 , MG 892 l ,/ l p - 892 * * MG - E q | p C q . 892 | . p k 89 . GG /E GG - . 892 k q - MG . * (term rider ) Q 24 29. Page 29 - - - | p MG ,/ - =-8 | q - p 7 = k (indemnity bond ) (, - Chapter 12 IRDA - MG X 892 ( - 2010 , q C . 7 . , X 2013 k , Q r . 1938 42 . - E XC 1938 - Q - ( > - N2 of 11 11/8/2012 7:05 AM 86. Manish Suryawanshi.... N Page 86*______ AM 11. B C ) * A (&&)& Y ) A ( LAM 12. Z( B C - ?*[ *[) A - A (*[ - *[L -NN - - ) -?AM 13. - & ;( L > ] - ^ - ^ / Z ) * ^ L ; G_ AM 14. , , < Y - ? Y) A ) ;& ? ^ ( ) & B ( ) - L ) 3 of 1111/8/2012 7:05 AM 87. Manish Suryawanshi.... ) Page 87 :AM 16. 20 L 50000015000004000000AM 17. V Q N ______ ) V > A - ) A ) A ) * LOV Q N ) ; VAM 18. < ( L ) A; ____ A OA; L # L &LAM 19. - , < ( L ) -_______....- W W W W ) ) ) - 32000 C . A 24000 C . A 40000 C . A 48000 C . A AM 23. , B - - * - ).....AM 24. h 4 ( ) ) ) ) - : &L AM 25. - > - ? AM 26. - / 6 L L / L 5 of 11 11/8/2012 7:05 AM 89. Manish Suryawanshi....AM 26. Page 89 - / 6 L L / L L ? ) ( - ) (, - ,- h - ) & (h - ) (-,; - -,; Y)AM 27. - ) ^ Y ( Y O L ) ,? , &L ( ; ) E i (i ) f ) ( , ) - AM 28. - ) ^ > ; - , -? ,- - ^ A; 6 - ( - ^ - ^ -)AM 29. ) - E ? L (&; L ) &;* & AM 30. - FMCG k g L l 6 6 ( &N Y g , ? - L ) ;;f ) & ) & )6 of 1111/8/2012 7:05 AM 90. Manish Suryawanshi.... & )Page 90 Y - )AM 31. 80 c L E L _______C. A C AO - 75,000 C . 1, 10,000 C . 1, 20,000 C . 1, 00,000 C .AM 32. m - ( L O C ) * ........ m ; * ) * Z * / L *AM 33. f ........ ^ ) E g ^ ) ; ^ ^ ) n )AM 34. < L 5 A &L ( AO - ) &L ( 3 A , ? A< Z ) o ; ( p 4 K AM 35. ; - ( ? KYC ;7 of 11 11/8/2012 7:05 AM 91. Manish Suryawanshi....KYC ;Page 91 6 A6 ,- )f A6 ( , - E AM 36. - ^ ; ( G - - - / ; ) ^ q ) - &Q -?AM 37. - ) ; 3 ) Y - Z Y (L L) L ) Y) (< Y< Y) ( Y ;;f Y) ( Z Y ,AM 38. r; , ; , ? sL ) L Q NL ) Q N ) Q N ) AM 39. ^ ) - > ; ( & - -- ^ A& &)- - & ,(- ; - L L ....AM 44. ) ) * ) ) * - ) ) * -AM 45. E Q; ___ > 6 9 of 11 11/8/2012 7:05 AM 93. Manish Suryawanshi.... AM 45. E Q; ___ > 6Page 93) &L (. . A ( ..) A L ( ) AM 46. - Q N - ...... - 1939 ) 43 1938 ) 42 1922 ) 12 1932 ) 34A-k, AM 47. A-k AV - AML L k ______ > E > V6 A ) N > AM 48. ) N ....... -( ) V ) L < L AM 49. ; - - ? 10 A,-L n ,- ; s - ) Q ; -( ) @ 100 A AM 50. - (ULIP) , - - m L , 10 of 11 11/8/2012 7:05 AM 94. Manish Suryawanshi.... - - m , L - Page 94 Z k ( ) i (i ) ( k Q11 of 11 11/8/2012 7:05 AM 95. Manish Suryawanshi.... Test 3Q1. ?Page 951 10 15 20 Q2. " %& ?( IRDA( IRDA , ( -- / " ) - ................ 2 - Q3. " 4 2 6 ,Q4. 9 " = ? > " =- & Q5. 2 ............. ) & (-& ? -& " Q6. B " ?1 of 11 11/8/2012 7:18 AM 96. Manish Suryawanshi....Q6. B " ?Page 96 C -- " D D & " F ?Q7. , H I ( ) ( (( Q8. J 2 32000 L " 4 ? , 8000 8320 9456 9240Q9. " 2 " B " = ? &F= D M " = " ) (" ) ( & 45 (" ) " " 2 ( " ) (P " ) F PQ Q10. 9 6 = - R , " ?L 9 = & " T U I T U 6 =V T U 6 =V T U M &W T U 2 of 1111/8/2012 7:18 AM 97. Manish Suryawanshi.... Page 97Q11. 9 X " =? I 2 M = M M - M Q12. 9 15 R V 9 R 2 T = " 2 B " [ ? I 2 ) (2 " ) ( " ( ) " " Q13. " & ? ) ( & =, "(" ) & , = = , " ) (" = / =, (" ) " Q14. 10 U . F 10 U . =, = " ; Q : ( " )2 ( " ) F (P " ) P3 of 11 11/8/2012 7:18 AM 98. Manish Suryawanshi....Page 98Q15. KYC_ > D ` ( B & V .......? L F Q16. ( ) ULIP 60000/- U . 2 I ) [ a & " SA ( I ? 1 3 2 50 ,Q17. T U ____ ) D2 ( 2 4 ?Q18. B " " " " ( W ( ( & & " ) W L I I) W ( " I L W ( L M.........Q19. W M ( W ( L & 4 of 1111/8/2012 7:18 AM 99. Manish Suryawanshi....( L & Page 99( b ( Q20. D B " , c / I ?)[ -2 ( FQ21. W Q ..... )[ -2 ( )B -2 ()% -2 ( )d -2 ( Q22. Q " , I ? = 2 ( ) - =,Q23. & " = & " ? - T ( )W ( f & " ) Q24. I " - I ( / - I a = , = ( 2 ) J = /V " a I ?- 5 of 11 11/8/2012 7:18 AM 100. Manish Suryawanshi.... Page 100 : -I a Q25. / " / I ? = & / Q26. B " 80 c 2 T = ?" 4 2 = 4 h&?I Q27. & " , " , i & D = D W (ICU) " , > - & " , I " 2 & , " 2 = f Q Q28. W = I-I 2 I I Q ?& " , 2 f Q & " , _ f Q 2 = 2 R M D / Q29. B &W I 2 ?( WV j 6 of 11 11/8/2012 7:18 AM 101. Manish Suryawanshi....( WV j (V a Page 101 = " c /k 6 = Q30. ADB 10 20 R J ( " = J)J = 10 R 2 " W ? 10 20 30 5 Q31. 80 c 2 " I ? 1 5 2 3 Q32. 9 = [ Q J 2- F &&l - ( m ) d " -Q33. 9 20" " > F -& )(-& ...... [B 7 of 1111/8/2012 7:18 AM 102. Manish Suryawanshi....Page 102 ,?Q34. l = ( / I ( / L 2 ( / W & 2 Q35. [ I ? & W = Q36. ` I M 2 2? W d 24 1 10 30 Q37. " , " %& , & " I ? ,2 2 D2 D D " Q38. d ( ( & I I ) = Q " " T =F ? d F F F( L F8 of 11 11/8/2012 7:18 AM 103. Manish Suryawanshi....( L F Page 103Q39. ( =2 IV / ?IV j ( ( 2 n d >V J -2 V >= " [ - W - ( - &V " Q40. B " ? ) (- " -T U " = Q41. " - 2 " = ? ) W (W " - -I " - -I W " V o W J = =)Q42. 9 1 U . 2 ( = 10 U . 9 & " , 2 T Q ? > 3 W & " 2 ) = 10 (2 & f 20,000 U . W 1 U . W = Q ) 2 ( f V Q43. 9 10 = 2006 12 2 & 2.... = 13 & 2011 W W I ? W IV 2006 2010 9 of 1111/8/2012 7:18 AM 104. Manish Suryawanshi.... W IV 2006 2010 = Page 104 = = Q44. " V -9 " V 2 Q45. & " , M & " , ? 2 = 2 D " 2 2 - & 2 IV & Q46. 2 " & ? & - . =. .= ( = .) &q =- Q47. = - _ M r UV & a M W V Q48. _,_ F AML 2 _ " ______ = M d M =FL10 of 1111/8/2012 7:18 AM 105. Manish Suryawanshi.... d L M =F Page 105 = M Q49. B V " = ? V _ V _( " s Q50. " M = :. =. .= ( = .) ) ( ) -2 Q ( 2 ) (11 of 11 11/8/2012 7:18 AM 106. Manish Suryawanshi....Test 4 1. Page 106 ____ & ) / 2. 23 4 ? 5 5 5 6 8 9 3 8 3. N I > N H 34. L ( 4 ) r 3 2 # - 7 of 11 11/8/2012 7:29 AM 124. Manish Suryawanshi....R2 Page 124[ # > 0N 2 # N 35. " # J - 2 ? KYC J > > 4- )L > ( 4 B 36. .N N . ? . [ 6 N ; . 0_ [ . 6 N . 0_ N ; [ 6 . 0_ . [ 37. U 4 ; N N ? 6 B 24 1 10 30 J# )38. " # [ (J# ?[ q N # # [ s # UJ # 8 of 1111/8/2012 7:29 AM 125. Manish Suryawanshi.... Page 125 39. R ; [ J # 4 ? U J I # N W J J J ) 40. I N ( JI - W 0) 41. R (0 # J # , " # 0 J # N ; ? N (t # 4 )t 4) h ( J^ 4 )k (0c 0c N 42. 0 4 k ; ? [. . . ( .) 43. N 0 2 J # R 0 4 ? 0 4 ) 0 4 0N ( 9 of 1111/8/2012 7:29 AM 126. Manish Suryawanshi....)04 0N ( Page 126 04 ) [ ( [ N ....44. # # 3 3 3 45. # # 2 J ?74 26 24 76 46. # _ q # 6 k [ 2 [ J u # # BN 47. k,k I AML N k # ______ ; B ; I > ; 48. # i + ?10121410 of 11 11/8/2012 7:29 AM 127. Manish Suryawanshi.... 14 15Page 127) 49. ( R # 0 ...E # E E + H H N 2 R n H N 50. w ...... E N ?11 of 1111/8/2012 7:29 AM 128. Manish Suryawanshi.... Test 6 1. ? Page 128 # % # 2. ........... + - . 01 2 . 2 +5 3. 5 , 7 - # ? ) 08 ( 9 --; ) ( 0# 4. < =+ # ? 7 B B B , B 7 5. 7 . < F G 7 ? . I ( I ) I ( I )1 of 11 11/8/2012 7:39 AM 129. Manish Suryawanshi.... I I Page 129 6. - 9 . L 7 M # # ? N) --; N ( I NI N) (I N 0 8 N , 7. O 5 O O # ? 0 ( )< ) 7 0 (< ) 0R G ( -. 8. 7 -. ETF 100 T I , . 7 7 U ........ 5 10 U 10 15 U 15 25 U 50 100 U -V 9. - 7 V _____ W - W - X 15 7O - X 20 7O - X 25 7O - X 30 7O 10. M 8 0Y Z _____ # # ;O ; ; 2 of 11 11/8/2012 7:39 AM 130. 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