Life Insurance Protection Payment of Sum Assured on death Financial protection Payment of Fund Value on Maturity Liquidity Advantage

Partial Withdrawal allowed after 5 yrs Stock Market Advantage Market linked Returns

Regular Premium ULIP Plan Life Cover Protection for full Sum Assured Multiple Benefits in case of Death Immediate payment of full Sum Assured All future premiums credited to the policy account (In units) Payment of Fund value on Maturity Maturity Benefit -Fund Value

Regular Premium ULIP Plan Life Cover Protection for full Sum Assured Multiple Benefits in case of Death Immediate payment of full Sum Assured All future premiums credited to the policy account (In units) Payment of Fund value on Maturity Maturity Benefit -Fund Value

Age at Entry Age at Maturity Policy term Yearly Halfyearly Quarterly Monthly (ECS) Note Premium

18 years 28 years 10 15000 10000 5000 2000

50 years 60 years 20 100000 50000 25000 8000

For monthly(ECS), instalment premium shall be in multiples of Rs.250. For other modes annualised premium shall be in multiples of Rs. 1000/SA shall be 10*AP or 105% of the total premiums paid including any premiums that have fallen due but not paid, whichever is higher.

Sum Assured (SA)

Benefits payable on Death: Immediate lump sum payment equal to the Sum Assured shall be paid to the nominee / legal heir. An amount equal to sum of all future premiums payable after the date of death shall be credited to the Policyholders Fund. On the Date of Maturity an amount equal to the Policyholders Fund Value will be given to the nominee/legal heir.

Benefits payable on Maturity: On Life Assured surviving the date of maturity, an amount equal to the Policyholders Fund Value is payable Investment in Government / Government Guaranteed Securities / Corporate Debt

Fund Type

Short-term investments such as money market instruments

Investment in Listed Equity Shares

Details and objective of the fund for risk / return

Debt Fund

Not less than 60%

Not more than 40%

Nil

Low risk

Mixed Fund

Not less than 45%

Not more than 40%

Not less than Steady 15% & Income Low to Medium Not more risk than 25%

Other Charges Charges Premium Allocation Charge Mortality Charge Policy Administration Charge Fund Management Charge Every Day Debt Fund 0.50% p.a. Mixed Fund 0.60% p.a. (The NAV declared will be net of FMC)

Service Tax

When

On payment of premium Premium First Year

nd th

Every month.

Every month

As Per

Charge 7.50%

2 to 5 year 5.00% Thereafter 3.00%

This Charge depends Policy Yr Charge upon the age of the life st 1 Rs. 50 Assured and the Sum at Risk. 2nd Rs. 41.20 3
rd

Prevailing Service tax Law

Rs.42.44 Rs.43.71 Rs. 45.02 Rs.34.78

4th How much 5th 6th

Thereafter escalating @3%p.a.

This is the percentage of premium appropriated towards charges from the premium received. Premium Allocation Rate=Premium Paid ()Prem. Allo. Chrg.

This is the cost of life cover. The appropriate This charge shall not be number of units is deducted after death of cancelled out of the the Life Assured. Policyholders Fund Value.

Depends on type of Fund and are deductible on date of computation of NAV This Charge is not applicable to a discontinued policy.

Description