1. Insurance solutions exclusively for you, at your workplace!

3. Features Choose your contribution amount Increase your premium contribution as required. Choose any term between 10 – 30 years. Choose between 3 levels of cover (in the form of sum assured) for the same amount of total annual contribution. Flexibility of shifting between the three levels of cover (as per your changing requirements) Flexibility of receiving your maturity proceeds as a lumpsum or in equal annual instalments over 3 or 5 years. Level of Sum Assured Amount of SA Basic Annual Prem* (Term-5) Standard Annual Prem* Term Enhanced Annual Prem* (Term+5)

4. Exclusive cover limits This plan offers exclusive eligibility limits for your cover, without any medical tests, in the slabs as mentioned below: Age GroupsMax level of cover without underwriting 18 – 35Upto 15 lakhs 36 - 40Upto 10 lakhs 41 - 45Upto 5 lakhs 46 - 50Upto 2 lakhs

5. Accumulation of policy value At the end of every year, the company will declare a bonus interest that will be applied on the allocable portion (premium after deduction of charges) of your premium. This bonus interest will have a compounding effect on the value of your policy. The payment of the accumulated value of your policy (including the bonus interest declared) is guaranteed on maturity, or in the case of unfortunate death, along with the sum assured.

6. Special “Allocation” feature Additional allocation over and above the regular bonus interest, will be declared. 10 yr term 15 yr term 20 yr term 25 yr term 30 yr term 5 th year10%15% 10 th year10%15% 15 th year-15% 20 th year--15% 25 th year---15% 30 th year----15% The percentages above are expressed in term of the annual premium contribution and are subject to the condition that regular premiums have been paid till that date.

7. The Benefits On Maturity The accumulated value of the policy will be paid at maturity. If the value of your investment is more than the accumulated value of your policy, then that too will be paid. On Death On death of the life assured up to age 7 years, the accumulated value along with the bonuses will be paid. On death of the life assured after age 7 years, the beneficiary will get the sum assured and the accumulated value, including bonuses will be paid.

8. Added Benefits Loans : Available after 3 premium paying years. 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)}

9. Added Convenience Special Form – To make the application process as simple as possible Policy will be issued within 10 days of banking your cheque, subject to the completion of all requirements and disclosures.

10. Riders Added protection to your family against any health hazards or unfortunate eventualities. Critical Illness Rider Major Surgical Assistance Rider Accident and Disability Benefit Rider Accident Benefit Rider Income Benefit Rider Waiver of Premium Rider

11. Eligibility Age : 18 – 50 years Maximum cover ceasing age : 60 years Term : 10 – 30 years Minimum Premium : Rs. 9,000 p.a.

12. Charge structure Premium allocation 48% of your premium in the first year. 90% in the 2 nd and 3 rd year. 95% from the 4 th year onwards Fixed charge of Rs. 300 per annum The investment administration charges would be an amount equal to 1.25% of the investment value. Mortality would be charged on an annual basis from the contribution.

13. SecurePlus Worksite – At a glance

15. Underwriting Guidelines

18. Features Choose your contribution amount Increase your premium contribution as required. Choose any term between 10 – 30 years. Choose between a Zero Death benefit or 3 levels of cover (in the form of sum assured) for the same amount of total annual contribution. Flexibility of shifting between the three levels of cover (as per your changing requirements) Level of Sum Assured Amount of SA Basic Annual Prem* (Term-5) Standard Annual Prem* Term Enhanced Annual Prem* (Term+5)

19. Exclusive cover limits This plan offers exclusive eligibility limits for your cover, without any medical tests, in the slabs as mentioned below: Age GroupsMax level of cover without underwriting 18 – 35Upto 15 lakhs 36 - 40Upto 10 lakhs 41 - 45Upto 5 lakhs 46 - 50Upto 2 lakhs

20. Accumulation of policy value At the end of every year, the company will declare a bonus interest that will be applied on the allocable portion (premium after deduction of charges) of your premium. This bonus interest will have a compounding effect on the value of your policy. The payment of the accumulated value of your policy (including the bonus interest declared) is guaranteed on maturity, or in the case of unfortunate death, along with the sum assured.

21. Special “Allocation” feature Additional allocation over and above the regular bonus interest, will be declared. 10 yr term 15 yr term 20 yr term 25 yr term 30 yr term 5 th year10% 10 th year10% 15 th year-10% 20 th year--10% 25 th year---10% 30 th year----10% The percentages above are expressed in term of the annual premium contribution and are subject to the condition that regular premiums have been paid till that date.

22. The Benefits On Maturity The accumulated value of the policy will be used to purchase an annuity. Choose b/n 5 annuity options Life Annuity Life Annuity with return of purchase price Life Annuity guaranteed for 5, 10 or 15 years Joint Life, Last Survivor with return of purchase price Joint Life, Last Survivor without return of purchase price On Death On death of the life assured, the beneficiary will get the sum assured and the accumulated value, including bonuses. The beneficiary can either take it as a lumpsum or opt for an annuity.

23. 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)}

24. Added Convenience Special Form – To make the application process as simple as possible Policy will be issued within 10 days of banking your cheque, subject to the completion of all requirements and disclosures.

25. Riders Added protection to your family against any health hazards or unfortunate eventualities. Critical Illness Rider Major Surgical Assistance Rider Accident and Disability Benefit Rider Accident Benefit Rider Waiver of Premium Rider

26. Eligibility Age : 20 – 50 years (with Life cover), 20 – 65 years (without Life cover) Vesting date : 50 – 60 years (with Life cover), 50 – 75 years (without Life cover) Term : 10 – 30 years Minimum Premium : Rs. 10,000 p.a.

27. Charge structure Premium allocation 70% of your premium in the first year. 85% in the 2 nd and 3 rd year. 95% from the 4 th year onwards Fixed charge of Rs. 300 per annum The investment administration charges would be an amount equal to 1.25% of the investment value. Mortality would be charged on an annual basis from the contribution.

28. SecurePlus Pension Worksite – At a glance

30. Underwriting Guidelines – Zero Death Benefit

31. Underwriting Guidelines – With Death Benefit