The right balance between profit and protection

The Plan Choose the amount you want to invest. You can choose the death benefit between 2 options: Option 1: 500% of the premiums paid Option 2: 105% of the premiums paid After deducting initial expenses the balance amount is invested in units of the fund you choose.

The Benefits Death Benefit In the unfortunate event of death, the nominee will receive the higher of the death benefit chosen (500% or 105% of the initial premium) or value of the units. Maturity Benefit There is no maturity date.

Liquidity Partial withdrawals Allowed after 1 complete year of the policy Minimum withdrawal amount - - Rs Partial withdrawals reduce the sum assured by the same amount In the first 5 years, withdrawals only upto 25% of the value of investments is permitted. In the first 5 years, 1 withdrawal in a policy year is free. After that, each withdrawal is charged at Rs. 100 per withdrawal.

Liquidity Surrender Value Surrender would be available after the payment of the single premium. The surrender value schedule is as given below: Policy Year of the PolicySurrender Value of the Policy During the 1 st policy year95% of the value of investments During the 2 nd policy year96% of the value of investments During the 3 rd policy year97% of the value of investments From 4 th policy year onwards100% of the value of investment.

Liquidity Loans Allowed when the policy acquires a surrender value Currently, the loan would be available upto 40% of the surrender value Partial withdrawals will not be allowed during the loan period In case the loan amount along with the accrued interest becomes equal to the value of the units, then the policy will terminate.

Flexible Options Choose your investment portfolio Maximiser (Growth): If high growth is your priority, this is the plan Protector (Income): If your priority is steady returns with moderate risk, you can opt for this plan Balancer (Balanced): If you prefer a balance of growth and steady returns, choose our Balancer plan Preserver: The objective of the plan is to ensure capital protection by investing in very low risk investments like cash and call money markets. At inception, investments upto 20% can be allocated to this fund. Change in Investment Plan Switch between the various investment plan options, absolutely free, 4 times every year. Minimum switch amount is Rs. 10,000.

Flexible Options Top – Up Top-up your investments anytime you have surplus funds. Minimum top-up of Rs. 5,000/-

Eligibility Age: 0 – 62 years (60 years in 500% Sum Assured option) Maximum cover ceasing age: 65 years (60 years in case of 500% option) Minimum term : 5 years Minimum Premium : Rs. 50,000 p.a.

Charge structure Premium Allocation Contribution Range1 st Yr. Allocation 50,000-99,99995% 1,00,000-4,99,99997% 5,00,000 & above98%

Charge structure Fund Management charges These are levied as a % of the asset under management. They are adjusted in the NAV MaximizerProtectorBalancerPreserver 1.50%0.75%1.00%0.75%

Other charges Mortality charges towards the sum assured are on a one year renewable basis Fixed administrative charge of Rs. 20 per month, deducted by cancellation of units monthly. Top allocation is 99% 4 free switches in a policy year. Any additional switch will be charged Rs. 100 extra.

Underwriting Guidelines