1. An insurance plan with the advantage of Liquidity

2. The Plan Ideal for those who are looking at a plan which offers them Protection, Savings and Liquidity. A fixed term policy of 15 or 20 years. Premium has to be paid regularly during the chosen term. Survival benefit payments are paid at regular intervals to provide you with liquidity.

3. The Survival Benefits Policy Term15 yearsPolicy Term20 years 310%4 615%8 920%1220% 1225%1625% 15 (maturity)50%, GA + VB 20 (maturity)50%, GA+VB Survival benefits are paid at the end of the year and as a % of the basic sum assured GA – Guaranteed Additions VB – Vested Bonuses

4. The Benefits On Maturity At the end of the term, you get the last survival benefit, guaranteed additions @3.5% compounded annually for the first 4 years as well as the vested bonuses. On Death On death of the life assured, the beneficiary will get the full sum assured, the guaranteed additions and the vested bonuses, irrespective of the survival benefits already paid.

5. Added Benefits Loans : Not available. Surrender Value Policy acquires a surrender value after 3 premium years. The guaranteed surrender value is 35% of {All premiums paid – (first year’s premiums + rider premiums + extra premiums)}

6. Riders Added protection to your family against any health hazards or unfortunate eventualities. Critical Illness Rider (Accelerated) Major Surgical Assistance Rider Accident and Disability Benefit Rider Accident Benefit Rider

7. Eligibility Age : 16 – 55 years Maximum cover ceasing age : 70 years Minimum Sum Assured : Rs. 75,000 Term : 15 or 20 years Minimum Premium : Rs. 6,000 p.a.

8. CashBak – At a glance

10. Underwriting Guidelines