NEW JEEVAN ANAND PLAN Table No. 815

BASIC CONDITIONS Minimum Age at Entry18 Years Maximum Age at Entry50 Years Minimum Term15 Years Maximum Term35 Years Minimum Sum Assured1,00,000 Maximum Sum AssuredNo Limit (in multiples of 5000) Premium Mode Yly, Hyly, Qly, Mly, ECS, SSS Maximum Age at Maturity 75 Years

BENEFIT MATURITY BENEFIT MATURITY BENEFIT  Basic Sum Assured along with Vested Simple Reversionary Bonuses and Final Additional Bonus, if Any

BENEFIT DEATH BENEFIT DEATH BENEFIT  ‘Sum Assured on Death’ along with Vested Simple Reversionary Bonuses and Final Additional Bonus, if any  The death benefit as defined above shall not be less than 105% of total premiums* paid as on the date of death

OPTIONAL BENEFIT OPTIONAL BENEFIT ACCIDENTAL DEATH AND DISABILITY BENEFIT RIDER ACCIDENTAL DEATH AND DISABILITY BENEFIT RIDER  In case of accidental death: Accident Benefit Sum Assured + Death benefit under the basic plan  In case of accidental permanent disability arising due to accident  within 180 days from the date of accident: Amount equal to the Accident Benefit Sum Assured will be paid in equal monthly installments spread over 10 years  Future premiums shall be waived

SUM ASSURED ON DEATH Sum Assured on Death shall be Higher of 125% of Basic Sum Assured (BSA) OR 10 times Annualized Premium Note: *The premiums mentioned in death benefit are excluding taxes, extra premiums and premiums for riders, if any

REBATE MODE REBATE Yearly2% Half Yearly1% QuarterlyNil SUM ASSURED REBATE 10 Lac & Above3‰3‰ 5,00,000 to 9,95,0002.5‰ 2,00,000 to 4,95,0001.5‰ Less then 1,95,000Nil

LOAN OPTION Available after payment of 3 full years premiums The maximum amount of loan that can be granted as a percentage of Surrender Value shall depend on the Policy Term, as given in the table below Foreclosure action shall not be taken under fully paid up and enforce policies even if there is default of loan interest Policy TermUp to 2324 to 2728 to 3132 to 35 % for in force policies 90%80%70%60% % for Paid-up policies 80%70%60%50%

SURRENDER OPTION Available after payment of 3 full years premiums GSV shall be a percentage of total premiums paid (net of taxes) excluding extra premium, if any and premium paid for riders, if opted for Examples of GSV factors applicable for total premiums paid Policy Year ~ GSV factor 3 = 30% 5 = 50% t -1 = 80% (t=Policy Term)

GSV FACTORS GSV factor applicable to vested bonus, if any  Examples of Vested bonus factors Year of SV – Policy Term – Factor % % %

SPECIAL SURRENDER VALUE Surrender Value shall be the discounted value of the Paid-up Sum Assured and vested simple reversionary bonuses The discount factors shall be surrender value factors as provided in Table-1A of the Special Surrender Value Booklet and will depend upon the policy term and duration elapsed since the commencement of the policy The Higher of Guaranteed Surrender Value and Special Surrender Value shall be payable

OTHER REVIVAL OF POLICY REVIVAL OF POLICY  A Policy may be revived within a period of 2 years from the date of first unpaid premium SERVICE TAX SERVICE TAX  Taxes, if any, shall be applicable at the prevailing rates and borne by the POLICYHOLDER as per rules

‘SUM ASSURED ON DEATH’ has been defined separately Age at entry has been reduced Percentage of Loan payable as a percentage of Surrender Value shall depend upon policy term GSV percentage shall also depend on policy term and year of Surrender Rebates for high SA and premium mode modified CHANGES OVER TABLE NO.149

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