1. Presentation on Comparison of Peak NAV Guarantee ULIP किस में कितना है दम Kis Main Kitna Hai Dum

2. InsurerLICSBI LifeBajaj Allianz Reliance Life HDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II Entry Age8-65 Yrs9-60 Yrs8-60 Yrs7-60 Yrs14-55 Yrs8-65 Yrs Term10 Yrs 15 Yrs10 Yrs PPTSingle or 5 Yrs 5-7 YrsSingle or 15 Yrs 5 Yrs Maturity Age 18-75 Yrs75 Yrs18-70 Yrs22-75 Yrs19-65 Yrs75 Yrs ModeSingle, Yly, Hly, Qly, ECS Monthly Yly, Hly, QLY, ECS Monthly Single, Yly, Hly, QLY (ECS), Monthly (ECS) Annual

3. InsurerLICSBI LifeBajaj AllianzReliance LifeHDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II Risk Cover SP 1.10- 5 Times; Annual 7-20 Times SP 1.25-5 Times; 7- 20 Times of Annual Premium 7-10 Times of Annual Premium SP 1.1-6 Times; Annual 10-30 Times (Age 7- 11Max 5 Lac) 10-20 Times 7-10 Times of Annual Premium Death Cover SA or Fund Value SA or Fund Value (minimum 105% of Premium) SA + Fund Value SA or Fund Value (minimum 105% of Premium) SA or Fund Value (minimum 105% of Premium SA + Fund Value DABYES- RIDERS--

4. InsurerLICSBI LifeBajaj Allianz Reliance Life HDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II PremiumSP 30000; Yly 15000 Hly 8000 Qly 4000 ECS 1500 SP 60000 Yly 50000 Hly 44000 Qly 36000 ECS 20000 Annual 25000 SP 50000; Yly 20000 Hly 10000 Qly 5000 Mly 2000 50000 PA Fund TypeOne – Samridhi Plus Fund Two - Guarantee on One Five - Guarantee on One OneTwo - Guarantee on One One NAV Guarantee 100 Months, Term End Peak NAV 7 Yrs – 5% Higher than Peak NAV Full 7 Yrs – Peak NAV or 15 7 Yrs or Term Ends

5. InsurerLICSBI LifeBajaj Allianz Reliance LifeHDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II Allocation Charges [1 st Year] 6%8.5%10%7%4%6% Allocation Charges [Later] 4.50% for PPT 6% for PPT 3.75% (2- 5) 0% 6% (2-4) 5.5% (5-10) 5% (11 on) 4% (2) 3% (3) 2% (4-5) 5% (2) 3% (3-5) Allocation Charges [SP] 3.3%3%NA2%NA Top UpNA 2% NA

6. InsurerLICSBI LifeBajaj Allianz Reliance Life HDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL Crest Pinnacle II Partial Withdraw 5 Yrs 3 Yrs5 Yrs Surrender5 Yrs Surrender Charges NIL Discontinuation Charges Yes

7. InsurerLICSBI LifeBajaj Allianz Reliance Life HDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II Policy Admn Charge 1 st Yr 30 PM; there- after Escalation @ 3% SP Flat 50 PM; AP Flat 60 PM 1 ST Yr NIL 3% PA of Annual Premium from 2 nd Yr on 40 PM (thru) for SP; No Charges for AP. 0.31% of Annual Premium PM; Escalatio n 5% PA; Max 500 PM 0.25% of Annual Premiu m PM for 5 Yrs; 0.1% 6 th Yr on FMC0.90%1.00%1.25%1.35% Guarantee Charge 0.40%0.50%0.25% 0.50%0.10%

8. InsurerLICSBI LifeBajaj AllianzReliance LifeHDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II 1 st Yr Alctn Charge6000850010000700040006000 Policy Admn Charges3607200037203000 Total 1 st Year6360922010000700077209000 2 nd Yr Alctn Charge450060003750600040005000 Total 2 nd Year487867206750600079068000 3 rd Yr Alctn Charge45006000375060003000 Total 3 rd Year489767206750600071016000 4 th Yr Alctn Charge450060003750600020003000 Total 4 th Year491767206750600063066000 5th Yr Alctn Charge450060003750550020003000 Total 5 th Year493867206750550065226000 TOTAL IN 5 YRS259903610037000305003555535000 Total 5 Yr Premium500000 Allocated474010463900463000469500464445465000 Illustration Mode Yly; Premium 1 Lac; SA 10 Lac

9. InsurerLICSBI LifeBajaj AllianzICICI PruRelianceHDFC ULIPSamridhi Plus Smart Performer Max Advantage Pinnacle IINAV Advantage SL Crest Sample Mortality Charges [rate per thousand at the age] 80.50 Charges Are Based on SAR Formula 2.481.48 100.482.480.771.50 181.152.482.13 251.252.702.37 301.462.741.462.401.46 351.733.032.72 402.573.822.483.582.57 453.895.054.93 506.567.535.917.64 5510.7611.3711.83 6016.3416.5614.2117.48 6527.0225.8427.60 7045.3743.7546.15

10. And the winner is…

11. Simple: Only ONE Fund Type. Range of Investment 0-100%: Extremely Flexible. Virtual Auto Switching – Useful in Avoiding Fall or Booking Profit. Even, if the all above do not impress, the highest NAV over the first 100 Months of the policy or the NAV as at the end of the term, whichever is higher, is payable. How Safe is Investment?

12. Safe Bet – More than Capital Guarantee (Investment INR 1 Lac) Fund TypeGovt. Securities Short-term money market instruments Listed Equity Shares Samridhi Plus Fund 0% to 100% 0% to 100% 0% to 100% Fund Spread 60-70% [Rate of Return 8% PA] INR 70000 30-40% INR 30000 10 Years151124120000 TOTAL251124 [IRR 10.49%]

13. Return Projection ULIP [Similar Time Horizon or Investment Pattern] Launch Date [Period Elapsed] Fund TypeCurrent NAV (16.02.11) Bima Plus2.02.01 [10 Y] Risk58.74 Balanced41.12 Child Fortune Plus1.11.08 [2 Y 3 M] Risk15.23 Secure15.58 Wealth Plus9.02.2010 [1 Yr] Wealth Plus11.05 [5.11.2010] Wealth Plus is a Peak NAV Guarantee ULIP Investments in ULIP are subject to Market Risks

14. INVEST TODAY! Compilation: Kulbhushan Sharma, Manager MASH, DO Patna A.PADHMANABHAN Personal Finance Consultant Cell: 9710433956