Spicy Yogurt Soup Recipes
Ingredients :
1.5 cups natural yogurt, beaten
4 tbsp gram flour
1/2 tsp chili powder
1/2 tsp turmeric salt,
to taste 2-3 green chilies, finely chopped
4 tbsp vegetable oil
4 whole dried red chilies
1 tsp cumin seeds
3-4 curry leaves
3 garlic cloves,
crushed 2 inch pieces of fresh root ginger, crushed fresh coriander
leaves, chopped, to garnish
Method :
Mix together the yogurt, gram flour, chili powder, turmeric and salt
and strain them into a saucepan. Add the spicy green chilies and cook
gently for about 10 minutes, stirring occasionally. Be careful not to
let the soup boil over. Heat the oil in a frying pan and fry the
remaining spices, crushed garlic and fresh ginger until the dried
chilies turn black. Pour the oil and the spices over the yogurt soup,
cover the pan and leave to rest for 5 minutes off the heat. Mix well
and gently reheat for a further 5 minutes. Serve hot, garnished with
the coriander leaves. Serves 4-6
Sugar can be added to this soup to bring out the full flavor. For an
extra creamy soup, use Greek-style yogurt instead of natural yogurt.
Adjust the amount of chilies according to how spicy and hot you want
the soup to be.
Thursday, June 3, 2010
Wednesday, June 2, 2010
SBI Life - Scholar II
Introduction:
As a caring parent you would always want your child to get the very best. Is there a way to protect your children against life’s risks? Is there a way to make tomorrow safe for them? Therefore this is the time when careful financial planning can help you fulfill the aspirations that you have for your children’s.
We at SBI Life can help you ensure that your children’s future is secure and prosperous.
SBI Life - Scholar II is designed to protect your child’s future educational needs.
Key Features:
Twin benefit of saving for your child’s education and securing a bright future despite the uncertainties of life.
Full risk cover throughout the policy term irrespective of payment of survival benefits installments.
Option to receive the installments in lump sum at the due date of first installment of Survival benefit.
Attractive rider options
Attractive rebate for Female lives and High Sum Assured.
15 days Free Look Period.
Product type:
It is a traditional participating plan.
Benefits
Guaranteed payment at regular intervals
When the child attains 18 years of age, the parent has an option of:
Receiving the Sum Assured in 4 installments:
Please click on the snapshot for a better view
Receiving the Survival Benefits in a single installment along with the Vested Bonus* (Policy terminates thereafter) * Vested bonus is the total amount of bonus accrued till date, under the policy.
DEATH BENEFIT :In the event of unfortunate incident of your early death during the term of the plan, your child’s future remains secured in 3 ways:
Child future educational needs: 25% of Sum Assured is payable in 4 equal installments when the child attains the age 18 years to 21 years. This ensures the child’s higher educational needs are met.
Immediate Payment: The nominee receives the Sum Assured along with the bonus declared until that date.
All future basic premiums need not be paid: Ensuring that your family is not financially burdened in your absence.
Other Optional Benefits:
SBI Life - Accidental Death and Accidental Total Permanent Disability Rider
In case of death due to an accident, the nominee gets the additional rider Sum Assured.
If the policyholder is involved in an accident, resulting in total permanent disability, he/she will get Sum Assured under this rider in 10 equal annual installments; He/she will exit from all the rider covers thereafter, but continue to be covered for basic cover on receipt of further premium due, if any.
SBI Life - Premium Waiver Benefit Rider: Under this rider the policy holder need not pay future premiums for the base product, if he/she suffers from total and permanent disability due to an accident after the rider is opted for.
SBI Life - Critical Illness Rider:
On diagnosis of any of the 6 critical illnesses and you survive for more than 30 days from diagnosis; the Critical Illness Cover Amount is paid in a lump sum. No more claims will be admitted under this cover. The Basic policy remains in force for all the other benefits.
Tax Benefits
Tax benefit u/s 80 C and 10 (10 D) of IT Act*
Premiums paid for Critical Illness Benefit qualify for tax exemption under Sec 80D*
What is the policy term?
The premium payment term depends on the age of the child and ends when the child attains the age 18 years. You are covered till the child attains the age 21 years.
Who can buy this product?
Anyone between 18 to 60 years of age(as on last birthday) with a child between 0 to 15 years..
What is the sum assured?
Minimum Maximum
Rs. 50,000 Rs. 1 Crore
Riders available
SBI Life - Premium Waiver Benefit Rider
SBI Life - Accidental Death and total permanent disability rider
SBI Life - Critical Illness Rider
As a caring parent you would always want your child to get the very best. Is there a way to protect your children against life’s risks? Is there a way to make tomorrow safe for them? Therefore this is the time when careful financial planning can help you fulfill the aspirations that you have for your children’s.
We at SBI Life can help you ensure that your children’s future is secure and prosperous.
SBI Life - Scholar II is designed to protect your child’s future educational needs.
Key Features:
Twin benefit of saving for your child’s education and securing a bright future despite the uncertainties of life.
Full risk cover throughout the policy term irrespective of payment of survival benefits installments.
Option to receive the installments in lump sum at the due date of first installment of Survival benefit.
Attractive rider options
Attractive rebate for Female lives and High Sum Assured.
15 days Free Look Period.
Product type:
It is a traditional participating plan.
Benefits
Guaranteed payment at regular intervals
When the child attains 18 years of age, the parent has an option of:
Receiving the Sum Assured in 4 installments:
Please click on the snapshot for a better view Receiving the Survival Benefits in a single installment along with the Vested Bonus* (Policy terminates thereafter) * Vested bonus is the total amount of bonus accrued till date, under the policy.
DEATH BENEFIT :In the event of unfortunate incident of your early death during the term of the plan, your child’s future remains secured in 3 ways:
Child future educational needs: 25% of Sum Assured is payable in 4 equal installments when the child attains the age 18 years to 21 years. This ensures the child’s higher educational needs are met.
Immediate Payment: The nominee receives the Sum Assured along with the bonus declared until that date.
All future basic premiums need not be paid: Ensuring that your family is not financially burdened in your absence.
Other Optional Benefits:
SBI Life - Accidental Death and Accidental Total Permanent Disability Rider
In case of death due to an accident, the nominee gets the additional rider Sum Assured.
If the policyholder is involved in an accident, resulting in total permanent disability, he/she will get Sum Assured under this rider in 10 equal annual installments; He/she will exit from all the rider covers thereafter, but continue to be covered for basic cover on receipt of further premium due, if any.
SBI Life - Premium Waiver Benefit Rider: Under this rider the policy holder need not pay future premiums for the base product, if he/she suffers from total and permanent disability due to an accident after the rider is opted for.
SBI Life - Critical Illness Rider:
On diagnosis of any of the 6 critical illnesses and you survive for more than 30 days from diagnosis; the Critical Illness Cover Amount is paid in a lump sum. No more claims will be admitted under this cover. The Basic policy remains in force for all the other benefits.
Tax Benefits
Tax benefit u/s 80 C and 10 (10 D) of IT Act*
Premiums paid for Critical Illness Benefit qualify for tax exemption under Sec 80D*
What is the policy term?
The premium payment term depends on the age of the child and ends when the child attains the age 18 years. You are covered till the child attains the age 21 years.
Who can buy this product?
Anyone between 18 to 60 years of age(as on last birthday) with a child between 0 to 15 years..
What is the sum assured?
Minimum Maximum
Rs. 50,000 Rs. 1 Crore
Riders available
SBI Life - Premium Waiver Benefit Rider
SBI Life - Accidental Death and total permanent disability rider
SBI Life - Critical Illness Rider
SBI Life - Lifelong Pension Plus
Introduction:
SBI Life Lifelong Pension Plus is a unique individual non participating traditional pension plan, which gives you total safety and security while offering you complete transparency and flexibility. This Plan is a perfect way for you to accumulate your savings and purchase an annuity with it, a time of your choice, to give you regular income. You would agree that all this will surely give you a secure future, and a joyous retirement.
Key Feature of SBI Life - Lifelong Pension Plus:
You have complete freedom to avail of a Pure Pension option or get the added advantage of insurance protection.
Choice of Add on Covers ,thus meeting your additional requirements at a nominal cost
Term cover
Total Permanent Disability(TPD) cover due to
Accident OR
Accident and Sickness
Complete Transparency: You will know how your premiums are growing each step of the way. At the end of each financial year, the fund will be credited with investment income based on the investment return earned.
Guaranteed Additions of 10% of Annual Premium on 15th policy anniversary & 10% of Annual Premium on every 5th policy anniversary thereafter in case of Regular Premium policy whereas for Single Premium policy, 1% of Single Premium on 15th policy anniversary & 1% of Single Premium on every 5th policy anniversary thereafter.
Added to this is the matchless advantage of our expertise in investment management that shields you from the vagaries of the markets and gives you stable investment returns that grow your retirement kitty
Choose Single or Regular payment, as per your need.
Augment your retirement kitty at any time during the policy term by making Additional Contributions.
Option to Prepone or Postpone the Vesting Age
Product Snapshot:
Please click on the snapshot for a better view
All the references to age are age as on last birthday.
Benefits
Maturity Benefit: The fund value payable on maturity/vesting can be utilized as follows:
Purchase Annuity Plan for the entire amount.
Commute up to one third of Fund Value as lump sum and the balance can be used for the purchase of annuity.
Death Benefit: In the unfortunate event of death, the accumulated fund value will be paid to the nominee or legal heir. Term cover sum assured if opted for is also payable and the policy terminates thereafter.
Add-on Cover Benefits:
Term Cover:
In the event of death when this benefit is in force (before the life assured completes 65 years of age or during the benefit term if there is no unpaid premium), the nominee would be paid an amount equal to benefit Sum Assured.
Total Permanent Disability Cover (Accident):
If the policyholder has taken this cover and during the tenure of Policy in the event the insured becomes incapacitated and as a result not able to earn an income from any work, occupation or profession for the rest of his/her life, then the sum assured will be paid,
Total Permanent Disability Cover (Accident & Sickness):
This cover option benefit is payable when. If the policyholder has taken this cover, then in case of a state of total, permanent and irreversible disability exists as a result of an accident or disease and the life insured is rendered permanently incapable of earning an income from any occupation whatsoever, the sum assured will be paid.
Please Note: Either of the Total Permanent Disability (TPD) covers can only be availed if Term Cover has been opted.
SBI Life Lifelong Pension Plus is a unique individual non participating traditional pension plan, which gives you total safety and security while offering you complete transparency and flexibility. This Plan is a perfect way for you to accumulate your savings and purchase an annuity with it, a time of your choice, to give you regular income. You would agree that all this will surely give you a secure future, and a joyous retirement.
Key Feature of SBI Life - Lifelong Pension Plus:
You have complete freedom to avail of a Pure Pension option or get the added advantage of insurance protection.
Choice of Add on Covers ,thus meeting your additional requirements at a nominal cost
Term cover
Total Permanent Disability(TPD) cover due to
Accident OR
Accident and Sickness
Complete Transparency: You will know how your premiums are growing each step of the way. At the end of each financial year, the fund will be credited with investment income based on the investment return earned.
Guaranteed Additions of 10% of Annual Premium on 15th policy anniversary & 10% of Annual Premium on every 5th policy anniversary thereafter in case of Regular Premium policy whereas for Single Premium policy, 1% of Single Premium on 15th policy anniversary & 1% of Single Premium on every 5th policy anniversary thereafter.
Added to this is the matchless advantage of our expertise in investment management that shields you from the vagaries of the markets and gives you stable investment returns that grow your retirement kitty
Choose Single or Regular payment, as per your need.
Augment your retirement kitty at any time during the policy term by making Additional Contributions.
Option to Prepone or Postpone the Vesting Age
Product Snapshot:
Please click on the snapshot for a better view All the references to age are age as on last birthday.
Benefits
Maturity Benefit: The fund value payable on maturity/vesting can be utilized as follows:
Purchase Annuity Plan for the entire amount.
Commute up to one third of Fund Value as lump sum and the balance can be used for the purchase of annuity.
Death Benefit: In the unfortunate event of death, the accumulated fund value will be paid to the nominee or legal heir. Term cover sum assured if opted for is also payable and the policy terminates thereafter.
Add-on Cover Benefits:
Term Cover:
In the event of death when this benefit is in force (before the life assured completes 65 years of age or during the benefit term if there is no unpaid premium), the nominee would be paid an amount equal to benefit Sum Assured.
Total Permanent Disability Cover (Accident):
If the policyholder has taken this cover and during the tenure of Policy in the event the insured becomes incapacitated and as a result not able to earn an income from any work, occupation or profession for the rest of his/her life, then the sum assured will be paid,
Total Permanent Disability Cover (Accident & Sickness):
This cover option benefit is payable when. If the policyholder has taken this cover, then in case of a state of total, permanent and irreversible disability exists as a result of an accident or disease and the life insured is rendered permanently incapable of earning an income from any occupation whatsoever, the sum assured will be paid.
Please Note: Either of the Total Permanent Disability (TPD) covers can only be availed if Term Cover has been opted.
SBI Life - Immediate Annuity Plan
Introduction:
SBI Life Insurance introduces SBI Life - Immediate Annuity Plan for Pension Policyholders. This product provides annuity payments immediately from payment of purchase price. It has been specially designed to cater to the annuity needs of our existing policyholders (SBI Life - Lifelong Pensions, SBI Life - Horizon II Pension, SBI Life - Unit Plus II Pension) at the vesting age.
All you need to do is choose the annuity option and pay a purchase price to commence the annuity for the required amount. We at SBI Life will calculate the amount of each annuity payments based on the purchase amount and life expectancy.
What are the Key Features?
You can opt for any one of the 6 Annuity options available and your annuity option stays the same throughout the tenure.
Option to choose the periodicity of your annuity: Members can choose the periodicity of the annuity depending upon their needs. The options available are Annual, Half yearly, Quarterly, and Monthly.
Annuity rates guaranteed for life: Attractive annuity rates due to group effect. Annuity rates decided at the time of entry are guaranteed for the rest of life for the given purchase price.
Age at Entry for member : 50 to 70 Years as on last birthday
Minimum Annuity will be Rs. 250 per month.
What are the Annuity Options* Available?
A variety of Options to choose from:
Life annuity at constant rate.
Annuity payable at constant rate throughout the life of the Annuitant with facility of receiving on death of the Annuitant a refund of purchase price less the sum total of annuity already paid till date of death.
Annuity payable at constant simple rate throughout the life of the Annuitant with facility of receiving on death of the Annuitant 100% refund of purchase price.
Annuity increasing at the rate of 1% or 2% or 3% per annum as the case may be and payable during the life of the Annuitant
Annuity certain for 5/ 10 / 15 years as the case may be and for the life thereafter
Last survivor annuity, whereby upon the death of the Annuitant his/ her spouse* will receive a life annuity, which will be either 100% or 50% of the last annuity amount paid to the Annuitant, as the case may be.
*Annuity is not available if the difference in age of the annuitant and the spouse is more than 10 years.
Why SBI Life Insurance?
SBI Life Insurance is a joint venture between the State Bank of India and BNP Paribas Assurance. State Bank of India enjoys the largest banking franchise in India. Along with its 7 Associate Banks, BNP Paribas Assurance is the insurance arm of BNP Paribas - Euro Zone’s leading Bank. BNP Paribas, part of the worlds top 10 group of banks by market value and part of Europe top 3 banking companies, is one of the oldest foreign banks.
The above information is a brief summary of SBI Life - Immediate Annuity
SBI Life Insurance introduces SBI Life - Immediate Annuity Plan for Pension Policyholders. This product provides annuity payments immediately from payment of purchase price. It has been specially designed to cater to the annuity needs of our existing policyholders (SBI Life - Lifelong Pensions, SBI Life - Horizon II Pension, SBI Life - Unit Plus II Pension) at the vesting age.
All you need to do is choose the annuity option and pay a purchase price to commence the annuity for the required amount. We at SBI Life will calculate the amount of each annuity payments based on the purchase amount and life expectancy.
What are the Key Features?
You can opt for any one of the 6 Annuity options available and your annuity option stays the same throughout the tenure.
Option to choose the periodicity of your annuity: Members can choose the periodicity of the annuity depending upon their needs. The options available are Annual, Half yearly, Quarterly, and Monthly.
Annuity rates guaranteed for life: Attractive annuity rates due to group effect. Annuity rates decided at the time of entry are guaranteed for the rest of life for the given purchase price.
Age at Entry for member : 50 to 70 Years as on last birthday
Minimum Annuity will be Rs. 250 per month.
What are the Annuity Options* Available?
A variety of Options to choose from:
Life annuity at constant rate.
Annuity payable at constant rate throughout the life of the Annuitant with facility of receiving on death of the Annuitant a refund of purchase price less the sum total of annuity already paid till date of death.
Annuity payable at constant simple rate throughout the life of the Annuitant with facility of receiving on death of the Annuitant 100% refund of purchase price.
Annuity increasing at the rate of 1% or 2% or 3% per annum as the case may be and payable during the life of the Annuitant
Annuity certain for 5/ 10 / 15 years as the case may be and for the life thereafter
Last survivor annuity, whereby upon the death of the Annuitant his/ her spouse* will receive a life annuity, which will be either 100% or 50% of the last annuity amount paid to the Annuitant, as the case may be.
*Annuity is not available if the difference in age of the annuitant and the spouse is more than 10 years.
Why SBI Life Insurance?
SBI Life Insurance is a joint venture between the State Bank of India and BNP Paribas Assurance. State Bank of India enjoys the largest banking franchise in India. Along with its 7 Associate Banks, BNP Paribas Assurance is the insurance arm of BNP Paribas - Euro Zone’s leading Bank. BNP Paribas, part of the worlds top 10 group of banks by market value and part of Europe top 3 banking companies, is one of the oldest foreign banks.
The above information is a brief summary of SBI Life - Immediate Annuity
SBI Life – Horizon III Pension
Introduction:
Horizon III Pension is a flexible and a hassle free unit linked pension plan with an opportunity for you to get higher market-linked returns. It truly offers you the best of both worlds with the choice of Automatic Asset Allocation or Active Fund Management! To top it all, you can now enjoy the benefits of no premium allocation charges from the 4th policy year along with all the innovative and flexible options that you ever wanted...So go for it now!
Features of SBI Life – Horizon III Pension:
Automatic Asset Allocation, through which SBI Life manages your investments on your behalf.
Option for Active Fund Management, through a choice of 4 diverse fund options
Enjoy the best of both worlds, by allocating between Automatic Asset allocation and Active Fund Management option.
Enhanced Fund Value - No Premium Allocation Charges from the 4th policy year
Freedom to avail of a Pure Pension plan or get added protection with 2 new riders- SBI Life - Criti Care 13 Rider (UIN: 111A018V01) and SBI Life - Income Sustainer Rider (UIN: 111A020V01)
Twin Benefit of Market linked returns & regular income.
Enjoy complete flexibility to increase or decrease your premium amount.
Choice of early or late retirement: Option to alter the vesting age to suit your requirements.
Investment Flexibility through Switching, Redirection and Top-Ups.
Product Snapshot:
Please click on the snapshot for a better view
All the references to age are age as on last birthday.
**Tax benefits are subject to change in tax laws. Please consult your Tax advisor for details.
Benefits:
Maturity Benefit:-The fund value payable on maturity/vesting can be utilized as follows:
Purchase Annuity Plan for the entire amount.
Commute up to one third of Fund Value as lump sum and the balance can be used for the purchase of annuity.
Death Benefit:-
In the unfortunate event of death or total permanent disability or critical illness whichever is earlier, the fund value at that time shall be payable.
Rider Benefits:
Criti Care 13 Rider: Provides lump sum amount to take care of 13 Critical Illnesses which include Cancer, Coronary Artery Bypass Graft Surgery, Heart Attack, Heart Valve Surgery, Kidney Failure, Major Burns, Major Organ Transplant, Paralysis, Stroke, Surgery of Aorta, Coma, Motor Neurone Disease and Multiple Sclerosis
Income Sustainer Rider: Provides additional benefit in the case of death or in the case of Total & Permanent Disability due to Accident or Sickness, whichever is earlier. A 25% of income sustainer benefit sum assured is paid upfront and 1% of income sustainer benefit sum assured is paid monthly in arrears for 10 years or till the end of the base policy term (capped at a maximum of 30 years) whichever is higher.
Horizon III Pension is a flexible and a hassle free unit linked pension plan with an opportunity for you to get higher market-linked returns. It truly offers you the best of both worlds with the choice of Automatic Asset Allocation or Active Fund Management! To top it all, you can now enjoy the benefits of no premium allocation charges from the 4th policy year along with all the innovative and flexible options that you ever wanted...So go for it now!
Features of SBI Life – Horizon III Pension:
Automatic Asset Allocation, through which SBI Life manages your investments on your behalf.
Option for Active Fund Management, through a choice of 4 diverse fund options
Enjoy the best of both worlds, by allocating between Automatic Asset allocation and Active Fund Management option.
Enhanced Fund Value - No Premium Allocation Charges from the 4th policy year
Freedom to avail of a Pure Pension plan or get added protection with 2 new riders- SBI Life - Criti Care 13 Rider (UIN: 111A018V01) and SBI Life - Income Sustainer Rider (UIN: 111A020V01)
Twin Benefit of Market linked returns & regular income.
Enjoy complete flexibility to increase or decrease your premium amount.
Choice of early or late retirement: Option to alter the vesting age to suit your requirements.
Investment Flexibility through Switching, Redirection and Top-Ups.
Product Snapshot:
Please click on the snapshot for a better view All the references to age are age as on last birthday.
**Tax benefits are subject to change in tax laws. Please consult your Tax advisor for details.
Benefits:
Maturity Benefit:-The fund value payable on maturity/vesting can be utilized as follows:
Purchase Annuity Plan for the entire amount.
Commute up to one third of Fund Value as lump sum and the balance can be used for the purchase of annuity.
Death Benefit:-
In the unfortunate event of death or total permanent disability or critical illness whichever is earlier, the fund value at that time shall be payable.
Rider Benefits:
Criti Care 13 Rider: Provides lump sum amount to take care of 13 Critical Illnesses which include Cancer, Coronary Artery Bypass Graft Surgery, Heart Attack, Heart Valve Surgery, Kidney Failure, Major Burns, Major Organ Transplant, Paralysis, Stroke, Surgery of Aorta, Coma, Motor Neurone Disease and Multiple Sclerosis
Income Sustainer Rider: Provides additional benefit in the case of death or in the case of Total & Permanent Disability due to Accident or Sickness, whichever is earlier. A 25% of income sustainer benefit sum assured is paid upfront and 1% of income sustainer benefit sum assured is paid monthly in arrears for 10 years or till the end of the base policy term (capped at a maximum of 30 years) whichever is higher.
SBI Life:- Unit Plus III Pension
Introduction:
Your golden years will now indeed be ‘Golden’…SBI Life Insurance introduces Unit Plus III Pension, a unit linked non-participating pension plan that makes sure that you have regular income after you retire. With the unique advantage of 8 diverse fund options to suit your risk profile, Unit Plus III Pension also packs in the added protection through two attractive riders. All this and more at surprisingly lower costs, that deliver superior value so you can be sure that good times are here to stay.
Key Features:
Guaranteed Additions of 5% every year from the 6th policy year onwards, on one annualized regular premium and 1% on the Single Premium
Enhanced investment opportunity through 8 Dynamic Fund Options including Index Pension Fund, Top 300 Pension Fund
No Premium Allocation Charge from 6th year onwards, thereby enhancing your fund value.
Option to avail added protection with 2 new riders – SBI Life - Criti Care 13 Rider (UIN: 111A018V01), and SBI Life Income Sustainer Rider (UIN: 111A020V01)
Twin Benefit of Market linked returns & regular income
Enjoy complete flexibility to increase/decrease your premium amount.
Choice of early/ late retirement: Option to alter your vesting age to suit your requirements.
Convenience to pay premiums at regular intervals or as a single premium.
Option to boost your investments through Top-ups.
Product Snapshot:
Please click on the snapshot for a better view
All the references to age are age as on last birthday.
**Tax benefits are subject to change in tax laws. Please consult your Tax advisor for details.
Benefits
On Death, Total Permanent Disability or Critical Illness (Before Vesting Date) :-In the unfortunate event of death or total permanent disability or critical illness whichever is earlier, the Fund Value at that time shall be payable
Maturity/Vesting Retirement Benefit:- The Policy will be terminated on vesting, and the fund value payable on vesting can be utilized as follows:
Purchase Annuity Plan for the entire amount.
Commute up to one third of Fund Value as lump sum and the balance can be used for the purchase of annuity.
Rider Benefits:
Criti Care 13 Rider: Provides lump sum amount to take care of 13 Critical Illnesses which include Cancer, Coronary Artery Bypass Graft Surgery, Heart Attack, Heart Valve Surgery, Kidney Failure, Major Burns, Major Organ Transplant, Paralysis, Stroke, Surgery of Aorta, Coma, Motor Neurone Disease and Multiple Sclerosis
Income Sustainer Rider: Provides additional benefit in the case of death or in the case of Total & Permanent Disability due to Accident or Sickness, whichever is earlier. A 25% of income sustainer benefit sum assured is paid upfront and 1% of income sustainer benefit sum assured is paid monthly in arrears for 10 years or till the end of the base policy term (capped at a maximum of 30 years) whichever is higher.
Your golden years will now indeed be ‘Golden’…SBI Life Insurance introduces Unit Plus III Pension, a unit linked non-participating pension plan that makes sure that you have regular income after you retire. With the unique advantage of 8 diverse fund options to suit your risk profile, Unit Plus III Pension also packs in the added protection through two attractive riders. All this and more at surprisingly lower costs, that deliver superior value so you can be sure that good times are here to stay.
Key Features:
Guaranteed Additions of 5% every year from the 6th policy year onwards, on one annualized regular premium and 1% on the Single Premium
Enhanced investment opportunity through 8 Dynamic Fund Options including Index Pension Fund, Top 300 Pension Fund
No Premium Allocation Charge from 6th year onwards, thereby enhancing your fund value.
Option to avail added protection with 2 new riders – SBI Life - Criti Care 13 Rider (UIN: 111A018V01), and SBI Life Income Sustainer Rider (UIN: 111A020V01)
Twin Benefit of Market linked returns & regular income
Enjoy complete flexibility to increase/decrease your premium amount.
Choice of early/ late retirement: Option to alter your vesting age to suit your requirements.
Convenience to pay premiums at regular intervals or as a single premium.
Option to boost your investments through Top-ups.
Product Snapshot:
Please click on the snapshot for a better view All the references to age are age as on last birthday.
**Tax benefits are subject to change in tax laws. Please consult your Tax advisor for details.
Benefits
On Death, Total Permanent Disability or Critical Illness (Before Vesting Date) :-In the unfortunate event of death or total permanent disability or critical illness whichever is earlier, the Fund Value at that time shall be payable
Maturity/Vesting Retirement Benefit:- The Policy will be terminated on vesting, and the fund value payable on vesting can be utilized as follows:
Purchase Annuity Plan for the entire amount.
Commute up to one third of Fund Value as lump sum and the balance can be used for the purchase of annuity.
Rider Benefits:
Criti Care 13 Rider: Provides lump sum amount to take care of 13 Critical Illnesses which include Cancer, Coronary Artery Bypass Graft Surgery, Heart Attack, Heart Valve Surgery, Kidney Failure, Major Burns, Major Organ Transplant, Paralysis, Stroke, Surgery of Aorta, Coma, Motor Neurone Disease and Multiple Sclerosis
Income Sustainer Rider: Provides additional benefit in the case of death or in the case of Total & Permanent Disability due to Accident or Sickness, whichever is earlier. A 25% of income sustainer benefit sum assured is paid upfront and 1% of income sustainer benefit sum assured is paid monthly in arrears for 10 years or till the end of the base policy term (capped at a maximum of 30 years) whichever is higher.
SBI Life- Unit Plus - Elite II
Introduction:
SBI Life- Unit Plus - Elite II is a Unit Linked Insurance plan, exclusively for special customers like you. It gives you flexibility to pay premium for limited term with the freedom to stay invested and protected for the long term. What’s more, you have the power of choosing the options best suited to your needs, which come to you at unbelievably low costs. All this and more, coming from SBI Life- your preferred insurer- adds enormous value to your investments.
Features of SBI Life – Unit Plus - Elite II:
Pay premiums only for a limited term of 3, 5, 7 or 10 years as per your convenience and enjoy benefits throughout the chosen policy term.
Twin Benefit of Market linked returns & insurance cover
Two protection covers available: Gold Cover which gives you the higher of Sum Assured or Fund Value & Platinum Cover gives you both Sum Insured and Fund Value.
Option to increase/decrease your premium and Sum Assured from 4th year onwards
Invest in wide range of funds and manage them as per your convenience.
Facility to make Top up payments, to boost your investment
Liquidity through partial withdrawals
Enhanced Value at optimal costs.
Accidental Death and Accidental Total and Permanent Disability benefit automatically comes to you as an integral part of the plan!
Product Snapshot:
Please click on the snapshot for a better view
* All the references to age are age as on last birthday.
# Subject to change in the tax laws. Please consult your Tax advisor for details.
Benefits:
Maturity Benefit: On completion of policy term, Fund Value will be paid.
Death Benefit:
For Gold Cover: Sum Assured or Fund Value, whichever is higher.
For Platinum Cover: Sum Assured plus Fund Value.
In-Built Benefit:
Accidental Death and Accidental Total and Permanent Disability (Accidental Cover) which covers for amount equal to basic sum assured subject to an overall maximum of Rs 50 Lakhs.
SBI Life- Unit Plus - Elite II is a Unit Linked Insurance plan, exclusively for special customers like you. It gives you flexibility to pay premium for limited term with the freedom to stay invested and protected for the long term. What’s more, you have the power of choosing the options best suited to your needs, which come to you at unbelievably low costs. All this and more, coming from SBI Life- your preferred insurer- adds enormous value to your investments.
Features of SBI Life – Unit Plus - Elite II:
Pay premiums only for a limited term of 3, 5, 7 or 10 years as per your convenience and enjoy benefits throughout the chosen policy term.
Twin Benefit of Market linked returns & insurance cover
Two protection covers available: Gold Cover which gives you the higher of Sum Assured or Fund Value & Platinum Cover gives you both Sum Insured and Fund Value.
Option to increase/decrease your premium and Sum Assured from 4th year onwards
Invest in wide range of funds and manage them as per your convenience.
Facility to make Top up payments, to boost your investment
Liquidity through partial withdrawals
Enhanced Value at optimal costs.
Accidental Death and Accidental Total and Permanent Disability benefit automatically comes to you as an integral part of the plan!
Product Snapshot:
Please click on the snapshot for a better view * All the references to age are age as on last birthday.
# Subject to change in the tax laws. Please consult your Tax advisor for details.
Benefits:
Maturity Benefit: On completion of policy term, Fund Value will be paid.
Death Benefit:
For Gold Cover: Sum Assured or Fund Value, whichever is higher.
For Platinum Cover: Sum Assured plus Fund Value.
In-Built Benefit:
Accidental Death and Accidental Total and Permanent Disability (Accidental Cover) which covers for amount equal to basic sum assured subject to an overall maximum of Rs 50 Lakhs.
SBI Life – Unit Plus II Child Plan
Introduction:
Life begins afresh when you become a parent. Amidst all the divine happiness, there’s a new sense of responsibility that fills your heart. Like you may not really believe that life’s a rose bed or a tender cushion, but you certainly want it to be for your lovely children. At SBI Life, we understand that. That’s why, we provide you with a unique, flexible and all-encompassing solution through our New and Improved SBI Life – Unit Plus II Child Plan.
Our specially crafted Unit Plus II Child Plan is as accommodating as you are to your child.
Features of SBI Life – Unit Plus II Child Plan:
Dual protection for your family, in case you are not around
In addition, Inbuilt - Accident Cover which includes Accidental Death Benefit and Accidental Total and Permanent Disability (Accidental TPD) Benefit
Free allocation of units by way of Loyalty Units
No Premium Allocation Charge from 6th year onwards, thereby boosting your fund value
Enhanced investment opportunity through 8 varied Fund Options including Index Fund & Top 300 Fund
Twin Benefit of Market linked returns & insurance cover
Flexible options to meet your changing requirement
Option to pay Top-up Premium
Liquidity through Partial Withdrawal
Attractive Tax benefits under the Income Tax Act, 1961, subject to conditions
Product Snapshot:
Please click on the snapshot for a better view
Benefits:
Maturity Benefit:-
On completion of Policy Term, Fund Value will be paid.
Death Benefit:-
Sum Assured (net of partial withdrawals) will be paid. Though Inbuilt Waiver Benefit – SBI Life continues to pay your Regular Premium and the Accumulated Fund Value will be paid at Maturity.
In case of Accidental Death or Accidental Total and Permanent Disability, additional benefit equal to Basic Sum Assured will be paid.
Life begins afresh when you become a parent. Amidst all the divine happiness, there’s a new sense of responsibility that fills your heart. Like you may not really believe that life’s a rose bed or a tender cushion, but you certainly want it to be for your lovely children. At SBI Life, we understand that. That’s why, we provide you with a unique, flexible and all-encompassing solution through our New and Improved SBI Life – Unit Plus II Child Plan.
Our specially crafted Unit Plus II Child Plan is as accommodating as you are to your child.
Features of SBI Life – Unit Plus II Child Plan:
Dual protection for your family, in case you are not around
In addition, Inbuilt - Accident Cover which includes Accidental Death Benefit and Accidental Total and Permanent Disability (Accidental TPD) Benefit
Free allocation of units by way of Loyalty Units
No Premium Allocation Charge from 6th year onwards, thereby boosting your fund value
Enhanced investment opportunity through 8 varied Fund Options including Index Fund & Top 300 Fund
Twin Benefit of Market linked returns & insurance cover
Flexible options to meet your changing requirement
Option to pay Top-up Premium
Liquidity through Partial Withdrawal
Attractive Tax benefits under the Income Tax Act, 1961, subject to conditions
Product Snapshot:
Please click on the snapshot for a better view Benefits:
Maturity Benefit:-
On completion of Policy Term, Fund Value will be paid.
Death Benefit:-
Sum Assured (net of partial withdrawals) will be paid. Though Inbuilt Waiver Benefit – SBI Life continues to pay your Regular Premium and the Accumulated Fund Value will be paid at Maturity.
In case of Accidental Death or Accidental Total and Permanent Disability, additional benefit equal to Basic Sum Assured will be paid.
SBI Life - Smart ULIP(Series II)
Introduction:
Due to the unpredictable nature of the market, you need a plan which not only protects your investment, but also enables you to get market related returns. SBI Life - Smart ULIP(Series II) is the perfect answer to your need, and will give you not only Guarantee on select NAVs during the first seven years, but also gives you the added attraction of participating in the market upside!
Benefits of SBI Life - Smart ULIP (Series II) :
Guarantee of the highest of select NAVs in during the first seven years on Maturity.
Convenience through shorter premium paying term, giving you a choice between 2 premium paying terms (PPT).
‘Power of more’ - Guaranteed Maturity NAV, continues beyond the premium payment term.
Innovative structured investment fund -‘FlexiProtect Fund (Series II)’.
Hassle free plan - we manage your investment, giving you maximum opportunity for growth while protecting your investments against adverse market conditions.
Investment cum Insurance plan giving market related returns.
Attractive Tax benefits under the Income Tax Act, 1961, subject to conditions
Product Snapshot:
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Please click on snapshot for a better view
Due to the unpredictable nature of the market, you need a plan which not only protects your investment, but also enables you to get market related returns. SBI Life - Smart ULIP(Series II) is the perfect answer to your need, and will give you not only Guarantee on select NAVs during the first seven years, but also gives you the added attraction of participating in the market upside!
Benefits of SBI Life - Smart ULIP (Series II) :
Guarantee of the highest of select NAVs in during the first seven years on Maturity.
Convenience through shorter premium paying term, giving you a choice between 2 premium paying terms (PPT).
‘Power of more’ - Guaranteed Maturity NAV, continues beyond the premium payment term.
Innovative structured investment fund -‘FlexiProtect Fund (Series II)’.
Hassle free plan - we manage your investment, giving you maximum opportunity for growth while protecting your investments against adverse market conditions.
Investment cum Insurance plan giving market related returns.
Attractive Tax benefits under the Income Tax Act, 1961, subject to conditions
Product Snapshot:
.bmp)
Please click on snapshot for a better view
Tuesday, June 1, 2010
Man can live by bread and paneer alone
Man can live by bread and paneer alone
It is difficult to believe food historians who tell us that good old paneer isn’t a child of native soil. In fact, it was brought to the Indies by the Portuguese, who also introduced chillies, potatoes and other items that have become an indispensable part of our daily diet.
The poor Portuguese may have lost the rest of the subcontinent to the British and had to remain content confined to a small enclave in Goa. But, their food imports – like paneer – didn’t take long to conquer the local palate.
Today, paneer is a staple item on any menu for vegetarians. It is substituted for meats and eggs in myriad recipes. Once, matar paneer was considered a special dish, but now, paneer seems to have displaced almost all the vegetables from restaurant menus. It is encountered in various avatars – from the plain bhujiya and the once seasonal palak paneer (cooked with spinach) to kadhai (a spicy stir-fry with capsicum, onions and tomatoes), labadar (in a buttery piquant sauce) and shahi (in a creamy white gravy enriched by nuts). Paneer snacks, such as tandoori tikka hariyali (laced with mint, coriander and green chillies), lehsuni (flavoured with garlic) or ajwaini (accented with caraway seeds) beat other vegetarian finger foods – to mix metaphors – hands down.
In many ways, paneer’s upward mobility has coincided with the prosperity of Punjabi refugees. After losing their fortunes during Partition, they did well on this side of the border. But, Punjabis are not the only ones with a passion for paneer. In fact, it is difficult to avoid, from Kashmir to Kanyakumari and Kolkata to Kutch.
In Awadh, they have fashioned a delightful taash kebab out of paneer that puts to shame the pasanda version it set out to mimic. Hyderabad responded with paneer tamatar ka qut and more recently, fusion artistes have created a lehriya bharwan delicacy resembling a roulade.
The Kashmiri repertoire has the mildly sour, scarlet-hued tamatar chaman and the aromatic and flavourful methi chaman. In Chennai, it has found its way into the masala dosa and competes with the chicken in the dish billed as ‘65’. Delicious chunks of paneer pack the veg kathi roll in the City of Joy. ‘Chindian’ may no longer be the flavour of the month in South Block after Jairam Ramesh’s recent gaffe in Beijing, but chilli paneer continues to score over gobhi
manchurian in Indian-Chinese restaurants in Gujarat. Purists who ‘look East’ keep pushing the ‘healthier’ tofu but this bland import is no match for the ‘Resident Non-Indian’.
Memories of the most satisfying paneer meal ever include the bhurji served up at a dhaba in Sirhind. It was no frills, spared the overworked tomatoes and onions and was just a generous helping of creamy scramble tempered with royal cumin, with a trace of fresh ginger and green chillies. Paired with hot tandoori roti, it was sheer bliss. There was no yearning for the proverbial flask of wine or company. There are times man can live by bread and paneer alone!
article from http://timesofindia.indiatimes.com/
Man can live by bread and paneer alone
Man can live by bread and paneer alone
It is difficult to believe food historians who tell us that good old paneer isn’t a child of native soil. In fact, it was brought to the Indies by the Portuguese, who also introduced chillies, potatoes and other items that have become an indispensable part of our daily diet.
The poor Portuguese may have lost the rest of the subcontinent to the British and had to remain content confined to a small enclave in Goa. But, their food imports – like paneer – didn’t take long to conquer the local palate.
Today, paneer is a staple item on any menu for vegetarians. It is substituted for meats and eggs in myriad recipes. Once, matar paneer was considered a special dish, but now, paneer seems to have displaced almost all the vegetables from restaurant menus. It is encountered in various avatars – from the plain bhujiya and the once seasonal palak paneer (cooked with spinach) to kadhai (a spicy stir-fry with capsicum, onions and tomatoes), labadar (in a buttery piquant sauce) and shahi (in a creamy white gravy enriched by nuts). Paneer snacks, such as tandoori tikka hariyali (laced with mint, coriander and green chillies), lehsuni (flavoured with garlic) or ajwaini (accented with caraway seeds) beat other vegetarian finger foods – to mix metaphors – hands down.
In many ways, paneer’s upward mobility has coincided with the prosperity of Punjabi refugees. After losing their fortunes during Partition, they did well on this side of the border. But, Punjabis are not the only ones with a passion for paneer. In fact, it is difficult to avoid, from Kashmir to Kanyakumari and Kolkata to Kutch.
In Awadh, they have fashioned a delightful taash kebab out of paneer that puts to shame the pasanda version it set out to mimic. Hyderabad responded with paneer tamatar ka qut and more recently, fusion artistes have created a lehriya bharwan delicacy resembling a roulade.
The Kashmiri repertoire has the mildly sour, scarlet-hued tamatar chaman and the aromatic and flavourful methi chaman. In Chennai, it has found its way into the masala dosa and competes with the chicken in the dish billed as ‘65’. Delicious chunks of paneer pack the veg kathi roll in the City of Joy. ‘Chindian’ may no longer be the flavour of the month in South Block after Jairam Ramesh’s recent gaffe in Beijing, but chilli paneer continues to score over gobhi
manchurian in Indian-Chinese restaurants in Gujarat. Purists who ‘look East’ keep pushing the ‘healthier’ tofu but this bland import is no match for the ‘Resident Non-Indian’.
Memories of the most satisfying paneer meal ever include the bhurji served up at a dhaba in Sirhind. It was no frills, spared the overworked tomatoes and onions and was just a generous helping of creamy scramble tempered with royal cumin, with a trace of fresh ginger and green chillies. Paired with hot tandoori roti, it was sheer bliss. There was no yearning for the proverbial flask of wine or company. There are times man can live by bread and paneer alone!
article from http://timesofindia.indiatimes.com/
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