TOP 8 INSURANCE COMPANIES (TOP BEST INSURANCE PLAN COMPARE)

MAX LIFE TATA AIA LIFE SBI LIFE ICICI PRUDENTIAL INDIA FIRST LIFE
HDFC- JEEVAN BAJAJ ALLIANZ
LIC-JEEVAN INSURANCE INSURANCE INSURANCE LIFE INSURANCE INSURANCE
BENEFITS SANCHAY PLUS LIFE POS GOAL
UMANG (PLAN-945) SMART WEALTH DIAMOND SAVING SMART WEALTH PRU SAVING GUARANTEED
LIFE LONG INCOME SURAKSHA
PLAN PLAN BUILDER SURAKSHA BENEFIT PLAN

AGE 30 30 30 30 30 30 30 30

SUM ASSURED 12,50,000 12,77,200 11,00,000 11,00,000 10,20,000 10,00,000 10,00,000 1000000

POLICY TERM 15 YEARS 11 YEARS 25 YEARS 25 YEARS 15 YEARS 25 YEARS 15 YEARS 16 YEARS
PREMIUM
15 YEARS 10 YEARS 12 YEARS 12 YEARS 15 YEARS 12 YEARS 12 YEARS 7 YEARS
PAYING TERM
PREMIUIM 1,09,619 1,04,500 1,04,500 1,04,500 1,02,000 1,04,500 1,04,500 1,04,500

NATURAL RISK 12,50,000 + BONUS 12,77,200 11,00,000 1100000 + BONUS 10,20,000 1000000 + BONUS 10,00,000 1000000
ACCIDENTAL
RISK
25,00,000 + BONUS NO NO 2200000 + BONUS NO NO NO NO
ACCIDENT
DISABILITY YES YES NO YES NO NO NO YES
BENEFITS RIDER

CRITICAL
ILLNESS RIDER
YES YES NO NO NO NO NO NO
TERM
INSURANCE YES NO NO NO NO NO NO NO
RIDER
PREMIUM
WAIVER RIDER
YES NO NO YES NO NO NO YES

CANCER COVER YES ADDITIONAL YES ADDITIONAL

RIDER RISK 1,10,00,000 RISK 12,77,200 NO NO NO NO NO NO

SURRENDER AFTER 2 YEARS AFTER 2 YEARS AFTER 2 YEARS AFTER 2 YEARS AFTER 5 YEARS AFTER 2 YEARS AFTER 2 YEARS AFTER 2 YEARS

LOAN AFTER 2 YEARS AFTER 2 YEARS AFTER 2 YEARS AFTER 2 YEARS NO AFTER 2 YEARS AFTER 2 YEARS AFTER 2 YEARS

WITHIN 5 YEARS WITHIN 5 YEARS WITHIN 5 YEARS WITHIN 2 YEARS WITHIN 2 YEARS WITHIN 5 YEARS WITHIN 5 YEARS WITHIN 5 YEARS
REVIVAL
FROM FUP FROM FUP FROM FUP FROM FUP FROM FUP FROM FUP FROM FUP FROM FUP
AFTER PPT
SURRENDER
YES NO NO NO YES YES YES YES

AFTER PPT LOAN YES NO NO NO NO YES YES YES

LIFE TIME ANNUALY ANNUALY ANNUALY ANNUALY

GUARANTEED Rs. 1,00,000/- Rs. 93,988/- Rs. 2,01,230/- Rs. 89,315/- NO NO NO NO
INCOME UPTO AGE 100 ONLY 25 YEARS ONLY 12 YEARS ONLY 13 YEARS

INCREASING OF
LIFE RISK COVER YES NO NO NO NO NO NO NO
UPTO AGE 99

SETTLEMENT 5 YEARS, 10YEARS, 2 YEARS, 3YEARS, 5 YEARS, 10YEARS,

OPTION 15 YEARS NO NO NO 4 YEARS, 5 YEARS NO NO 15 YEARS

ASSIGNMENT YES YES YES YES NO YES YES YES

2 LAKH & ABOVE

PAID UP VALUE
PAID UP POLICY
BENEFITS
AFTER PPT ALL NO NO NO N0 N0 N0 N0
BENEFITS ARE
PAYABLE
LINKED PLAN
OR
NON LINKED PLAN NON LINKED PLAN NON LINKED PLAN NON LINKED PLAN LINKED PLAN NON LINKED PLAN NON LINKED PLAN NON LINKED PLAN
NON LINKED
PLAN
100 %
COMPANY GOVERNMENT PRIVATE INCURANCE PRIVATE INCURANCE PRIVATE INCURANCE PRIVATE INCURANCE PRIVATE INCURANCE PRIVATE INCURANCE PRIVATE INCURANCE
STATUS INSURANCE COMPANY COMPANY COMPANY COMPANY COMPANY COMPANY COMPANY
COMPANY

TAX BENEFITS YES (80 C) YES (80 C) YES (80 C) YES (80 C) YES (80 C) YES (80 C) YES (80 C) YES (80 C)

SOVEREIGN 100% GUARANTEE

GUARANTEE BY GOV. OF INDIA NO NO NO NO NO NO NO
(S.B.) 1161095 + (@' 4% =17,74,209)
(S.B.) 55,00,000 + (S.B.) 23,49,700 + (@' 4% =21,38,231)
TOTAL (@' 4% = 712519) OR
(MATURITY) (MATURITY) OR
MATURITY
1,45,18,750 = 11,23,988 = NO OR (@' 8%=24,52,143)
(@' 8%=39,76,066)
19,34,000 1232780
AMOUNT (@' 8% =2459094) ASSUMED
2,00,18,750 34,73,688 ASSUMED
ASSUMED
PREPARED BY- ASHISH MEENA (8460760349/7383590141)
 LIC JEEVAN UMANG PLAN -945
Test Message
Mr. ASHISH
Mr. ASHISH Age: 30
Total premium paid is Rs.1613359 and total expected returns will be Rs.20018750

First Year Premium (4.5% GST)

Mode Basic Premium GST Total Premium

Yearly 104130 5489 109619

Half Yearly 52626 2778 55404

Quarterly 25047 1127 26174

Monthly 8349 376 8725

Subsequent Year Premium (2.25% GST)

Mode Basic Premium GST Total Premium

Yearly 104130 3280 107410

Half Yearly 52626 1662 54288

Quarterly 25047 564 25611

Monthly 8349 188 8537

PREPARED BY- ASHISH MEENA (8460760349/ 7383590141)

Age Yearly Normal Accident CANCER BASIC YEARLY BONUS 8% YEARLY Cash in
Premium Coverage Coverage COVER SUM BONUS % OF GUARANTEED NET % hand
RISK ASSURED ADDITION S.A. RETURN BENEFIT
30 109619 1321250 2571250 11000000 1250000 71250 6 0 S
6 0
31 107410 1392500 2642500 11000000 1250000 71250 6 0 6 0
32 107410 1463750 2713750 11000000 1250000 71250 6 0 6 173024
33 107410 1535000 2785000 11000000 1250000 71250 6 0 6 248693
34 107410 1606250 2856250 11000000 1250000 71250 6 0 6 335058
35 107410 1677500 2927500 11000000 1250000 71250 6 0 6 433512
36 107410 1748750 2998750 11000000 1250000 71250 6 0 6 536820
37 107410 1820000 3070000 11000000 1250000 71250 6 0 6 653205
38 107410 1891250 3141250 11000000 1250000 71250 6 0 6 785219
39 107410 1962500 3212500 11000000 1250000 71250 6 0 6 935690
40 107410 2033750 3283750 11000000 1250000 71250 6 0 6 1108159
41 107410 2105000 3355000 11000000 1250000 71250 6 0 6 1316305
42 107410 2176250 3426250 11000000 1250000 71250 6 0 6 1553203
43 107410 2247500 3497500 11000000 1250000 71250 6 0 6 1822007
44 107410 2331250 3581250 11000000 1250000 83750 7 0 7 2127216
45 0 2370000 3620000 0 1250000 38750 3 100000 11 2133000
46 0 2407500 3657500 0 1250000 37500 3 100000 11 2166750
47 0 2446250 3696250 0 1250000 38750 3 100000 11 2201625
48 0 2490000 3740000 0 1250000 43750 4 100000 12 2241000
49 0 2537500 3787500 0 1250000 47500 4 100000 12 2283750
50 0 2591250 3841250 0 1250000 53750 4 100000 12 2332125
51 0 2657500 3907500 0 1250000 66250 5 100000 13 2391750
52 0 2755000 4005000 0 1250000 97500 8 100000 16 2479500
53 0 2852500 4102500 0 1250000 97500 8 100000 16 2567250
54 0 2950000 4200000 0 1250000 97500 8 100000 16 2655000
55 0 3047500 4297500 0 1250000 97500 8 100000 16 2742750
56 0 3157500 4407500 0 1250000 110000 9 100000 17 2841750
57 0 3267500 4517500 0 1250000 110000 9 100000 17 2940750
58 0 3377500 4627500 0 1250000 110000 9 100000 17 3039750
59 0 3531250 4781250 0 1250000 153750 12 100000 20 3178125
60 0 3691250 4941250 0 1250000 160000 13 100000 21 3322125
61 0 3882500 5132500 0 1250000 191250 15 100000 23 3494250
62 0 4073750 5323750 0 1250000 191250 15 100000 23 3666375
63 0 4265000 5515000 0 1250000 191250 15 100000 23 3838500
64 0 4456250 5706250 0 1250000 191250 15 100000 23 4010625
65 0 4647500 5897500 0 1250000 191250 15 100000 23 4182750
66 0 4838750 6088750 0 1250000 191250 15 100000 23 4354875
67 0 5030000 6280000 0 1250000 191250 15 100000 23 4527000
68 0 5221250 6471250 0 1250000 191250 15 100000 23 4699125
69 0 5412500 6662500 0 1250000 191250 15 100000 23 4871250
70 0 5616250 6866250 0 1250000 203750 16 100000 24 5054625
71 0 5826250 5826250 0 1250000 210000 17 100000 25 5243625
72 0 6036250 6036250 0 1250000 210000 17 100000 25 5432625
73 0 6271250 6271250 0 1250000 235000 19 100000 27 5644125
74 0 6506250 6506250 0 1250000 235000 19 100000 27 5855625
75 0 6741250 6741250 0 1250000 235000 19 100000 27 6067125
76 0 7001250 7001250 0 1250000 260000 21 100000 29 6301125
77 0 7261250 7261250 0 1250000 260000 21 100000 29 6535125
78 0 7533750 7533750 0 1250000 272500 22 100000 30 6780375
79 0 7806250 7806250 0 1250000 272500 22 100000 30 7025625
80 0 8091250 8091250 0 1250000 285000 23 100000 31 7282125
81 0 8388750 8388750 0 1250000 297500 24 100000 32 7549875
82 0 8698750 8698750 0 1250000 310000 25 100000 33 7828875
 83 0 9008750 9008750 0 1250000 310000 25 100000 33 8107875
84 0 9331250 9331250 0 1250000 322500 26 100000 34 8398125
85 0 9653750 9653750 0 1250000 322500 26 100000 34 8688375
86 0 9988750 9988750 0 1250000 335000 27 100000 35 8989875
87 0 10323750 10323750 0 1250000 335000 27 100000 35 9291375
88 0 10658750 10658750 0 1250000 335000 27 100000 35 9592875
89 0 11006250 11006250 0 1250000 347500 28 100000 36 9905625
90 0 11353750 11353750 0 1250000 347500 28 100000 36 10218375
91 0 11713750 11713750 0 1250000 360000 29 100000 37 10542375
92 0 12061250 12061250 0 1250000 347500 28 100000 36 10855125
93 0 12421250 12421250 0 1250000 360000 29 100000 37 11179125
94 0 12781250 12781250 0 1250000 360000 29 100000 37 11503125
95 0 13128750 13128750 0 1250000 347500 28 100000 36 11815875
96 0 13488750 13488750 0 1250000 360000 29 100000 37 12139875
97 0 13836250 13836250 0 1250000 347500 28 100000 36 12452625
98 0 14183750 14183750 0 1250000 347500 28 100000 36 12765375
99 0 14518750 14518750 0 1250000 335000 27 100000 35 13066875
100 0 0 0 0 BONUS=13268750 MATURITY = 14518750 0
Total Premium = 1613359 S.B. + MATURITY = 20018750

ન્યુ જીવન ઉમંગ પ્લાન -945 ઉમ્ર 30 વર્ષ , બીમાં રાશિ રૂશિયા -12,50,000/-
પ્રીક્તમયમ ભરવાની મુદત 15 વર્ષષ , પોક્તલસી મુદત 15 વર્ષષ

પેહલા વર્ષષનુાં પ્રીક્તમયમ -109619/- , બીજા વર્ષષ થી 15 વર્ષષ સુધી વાર્ષીક પ્રીક્તમયમ -107410/-

15વર્ષષ માાં પ્રીક્તમયમ ની ભરવા પાત્ર કુ લ રકમ -1613359/-

કુ દરતી મૃત્યુ જોખમ -12,50,000/- , અકસ્માત મૃત્યુ જોખમ -25,00,000/-

આજીવન લાઈિ ક્તરસ્ક કવર ઓટોમેક્તટક વધશે

15વર્ષષ પ્રીક્તમયમ પૂણષ થયા પછી આજીવન ટે ક્સ ફ્રી સવાષઇવલ બેનક્તે િટ (ટે ક્સ ફ્રી પેન્શન) રૂક્તપયા 1,00,000/- ગેરાંટેડ. આમ મચૂક્તરટી સાથે મળવા પાત્ર કુ લ
રકમ રૂક્તપયા 20018750/-

અને આ પેહલા 15 વર્ષોમાાં જો વ્યક્તિ ને પોક્તલસી ક્તલદા થી 6 મક્તહના (180 ક્તદવસ) પછી ક્યાર ે પણ વચ્ચે કે ન્સર થાય તો રૂક્તપયા 50,00,000/- લાખ
મળસે.

અને કે ન્સરના ટર ીટમેન્ટ માટે વ્યક્તિ ને દર મક્તહને 50,000/- આવતા 10વર્ષષ સુધી ગેરાંટી થી મળસે.એટલે કે ન્સરના ટર ીટમેન્ટ માટે કુ લ રૂક્તપયા 1,10,00,000/-
મળવા પાત્ર થાય છે . ( 50,000x12 months =6,00,000/- વાર્ીક) , (6,00,000x10 years =60,00,000/- કુ લ રકમ )

આમ આ 15વર્ષોમાાં કે ન્સરના ટર ીટમેન્ટ માટે કુ લ મળવા પાત્ર રકમ રૂક્તપયા 1,10,00,000/-

અને જો કદાચ કે ન્સરના કારણે આ 15 વર્ષોમાાં વ્યક્તિની મૃત્યુ થાય તો તે વ્યક્તિના પક્તરવાર ને કુ લ મળવા પાત્ર રકમ રૂક્તપયા 1,22,50,000/- + બોનસ ની
રકમ મળવા પાત્ર થાય છે .

અને જો કે ન્સર થયા પછી વ્યક્તિની મૃત્યુ આ 15 વર્ષોમાાં અકસ્માત ના કારણે થાય તો તે વ્યક્તિના પક્તરવાર ને કુ લ મળવા પાત્ર રકમ રૂક્તપયા
1,35,00,000/- + બોનસ ની રકમ મળવા પાત્ર થાય છે .

સોથી મહત્વ ની વસ્તુ જો વ્યક્તિ ને કે ન્સર થાય તો પોક્તલસી પ્રીક્તમયમ ભરવાનુાં બાંધ અને બધા ઉપરના બેનક્તે િટ પણ મળવા પાત્ર થશે.

*શતો અને ક્તનયમ લાગુ **

PREPARED BY- ASHISH MEENA (8460760349/ 7383590141)
 03-01-2021

Quote No : qafx7qissj8mt,Application No : 1200065910786

Benefit Illustration for HDFC Life Sanchay Plus(Spl)

This Illustration has been produced by HDFC Life Insurance Company Limited to help you understand the benefits of your
HDFC Life Sanchay Plus(Spl)
DETAILS
Name of the Prospect/Policyholder: Ashish Meena Proposal No: NA
Age: 31 Name of Product: HDFC Life Sanchay Plus(Spl)
A non-participating non-linked savings
Name of Life Assured: Ashish Meena Tag Line:
insurance plan
Age: 31 Unique Identification No: 101N134V07
Policy Term: 11 Years GST Rate: 4.5% for first year
2.25% second year
Premium Paying Term: 10 Years
onwards
Amount of Instalment Premium
Rs.100000
(Without GST):
Mode: Annual

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy.
"Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers
guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will
show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits
of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance."

Policy Details

Policy Option Long Term Income Sum Assured Rs. 1277200

Guaranteed Payout Sum Assured on Death (at
Annual 1277200
Freqency inception of the policy) Rs.

Guaranteed Payout Payout Term

93988 25
Amount (years)

Rider Details

Rider Name Rider UIN Rider PPT Rider PT Rider Sum Assured Rs.

HDFC Life Critical Illness Plus Rider 101B014V02 10 Years 11 Years 1277200
HDFC Life Protect Plus rider - Cancer Cover 101B016V01 10 Years 10 Years 1277200

Premium Summary

PP PP Total
Base Plan CI Rider IB Rider PP Rider (PAC) Rider Rider Instalment
(ADC) (CC) Premium

Instalment Premium without GST 1,00,000 1,790 0 0 0 633 1,02,423

Instalment Premium with First Year GST 1,04,500 2,112 0 0 0 747 1,07,359
Instalment Premium with GST 2nd Year Onwards 1,02,250 2,112 0 0 0 747 1,05,109
 (Amount in Rupees)
Policy Year Single/ Guaranteed Non Guaranteed
Annualized
Survival Benefits / Other benefits Maturity Benefit Death Benefit Min Special Surrender Value
Premium
Loyalty Additions (if any) Guaranteed
Surrender
Value

1 1,00,000 0 0 0 12,77,200 0 0
2 1,00,000 0 0 0 12,77,200 61,800 61,800
3 1,00,000 0 0 0 12,77,200 1,08,150 1,08,150
4 1,00,000 0 0 0 12,77,200 2,06,000 2,06,000

5 1,00,000 0 0 0 12,77,200 2,57,500 2,75,825

6 1,00,000 0 0 0 12,77,200 3,09,000 3,61,605
7 1,00,000 0 0 0 12,77,200 3,60,500 4,60,894

8 1,00,000 0 0 0 12,77,200 6,18,000 5,75,459

9 1,00,000 0 0 0 12,77,200 6,95,250 7,07,280
10 1,00,000 0 0 0 13,60,299 9,27,000 8,58,558

11 0 0 0 0 14,28,314 9,27,000 9,37,967

12 0 0 0 93,988 0 0 0

13 0 0 0 93,988 0 0 0

14 0 0 0 93,988 0 0 0
15 0 0 0 93,988 0 0 0

16 0 0 0 93,988 0 0 0

17 0 0 0 93,988 0 0 0
18 0 0 0 93,988 0 0 0

19 0 0 0 93,988 0 0 0

20 0 0 0 93,988 0 0 0
21 0 0 0 93,988 0 0 0

22 0 0 0 93,988 0 0 0

23 0 0 0 93,988 0 0 0
24 0 0 0 93,988 0 0 0

25 0 0 0 93,988 0 0 0

26 0 0 0 93,988 0 0 0
27 0 0 0 93,988 0 0 0

28 0 0 0 93,988 0 0 0

29 0 0 0 93,988 0 0 0
30 0 0 0 93,988 0 0 0

31 0 0 0 93,988 0 0 0

32 0 0 0 93,988 0 0 0
33 0 0 0 93,988 0 0 0

34 0 0 0 93,988 0 0 0

35 0 0 0 93,988 0 0 0
36 0 0 0 11,23,988 0 0 0

Notes: Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and Goods & Service Tax.

I , have explained the premiums charges and benefits under the product fully to the I Ashish Meena,having received the information with respect to the above, have
prospect / policy holder. understood the above statement before entering into the contract.

Place:

Date: Signature of Agent /Intermediary / Official Date: Signature of Prospect / Policyholder

Note: Kindly note that name of the company has changed from "HDFC Standard Life Insurance Company Limited" to "HDFC Life Insurance Company Limited".
 BENEFIT ILLUSTRATION
[Date and Time of Illustration – 02 January 2021, 08:04 AM]

Name of the Prospect/Policyholder: Mr. ASHISH Proposal No:

Age & Gender: 31 Years, Male Name of the Product: Max Life Smart Wealth Plan
Name of the Life Assured: Mr. ASHISH Tag Line: A Non-Linked Non Participating Individual Life Insurance Savings Plan
Age & Gender: 31 Years, Male Unique Identification No: 104N116V03
Policy Term: 13 Years GST Rate (Base Policy, First Year): 4.50%
Premium Payment Term: 12 Years GST Rate (Base Policy, Subsequent Year): 2.25%
Amount of Installment Premium: `1,04,500 GST Rate (Rider, First Year): NA
Mode of payment of premium: Annual
GST Rate (Rider, Subsequent Year): NA
Annual Income Amount: `2,01,230
Income Period, if applicable: 12 Years Max Life State: Haryana
Mode of Income, if applicable: Annual Policyholder Residential State:

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy.

Policy Details
Policy Option Short Term Income Sum Assured (in Rs.) Not Applicable
Sum Assured on Death (at inception of the policy) (in Rs.) 11,00,000

Rider Details
Accidental Death & Dismemberment (ADD) Rider Term NA Accidental Death & Dismemberment (ADD) Rider Sum Assured (in Rs.) NA
Term Plus Rider Term NA Term Plus Rider Sum Assured (in Rs.) NA
Waiver of Premium (WOP) Plus Rider Term NA
COVID19 One Year Term Rider Term NA COVID19 One Year Term Rider Sum Assured (in Rs.) NA
Critical Illness and Disability Rider - Rider Premium Payment Term and Rider Term NA Critical Illness and Disability Rider - Coverage Variant NA
Critical Illness and Disability Rider - Rider Sum Assured NA

Premium Summary
Accidental Death & Term Plus Waiver of Premium COVID19 One Year Critical Illness and Total Installment
Base Plan Dismemberment Rider Plus Rider
Rider Term Rider Disability Rider Premium
Installment Premium without GST (in Rs.) 1,00,000 0 0 0 0 0 1,00,000
Installment Premium with first year GST (in Rs.) 1,04,500 0 0 0 0 0 1,04,500
Installment Premium with GST 2nd year onwards (in Rs.) 1,02,250 0 0 0 0 0 1,02,250

UIN: 104N116V03 Max Life Insurance Company Limited having its Corporate Office at 11th Floor, DLF Square, Jacaranda Marg, DLF City, Phase II, Gurugram – 122002 Page 1 of 3
 (Amount in Rupees)

Guaranteed Non Guaranteed

Single/ Annualized
Policy Year Total Annual Premium
Premium Min Guaranteed Special Surrender Value
Income Benefit Other Benefits, if any Maturity Benefit Death Benefit
Surrender Value

1 1,00,000 1,00,000 - - - 11,00,000 - -

2 1,00,000 1,00,000 - - - 11,00,000 60,000 66,000
3 1,00,000 1,00,000 - - - 11,00,000 1,05,000 1,15,500
4 1,00,000 1,00,000 - - - 11,00,000 2,00,000 2,20,000
5 1,00,000 1,00,000 - - - 11,00,000 2,50,000 2,79,950
6 1,00,000 1,00,000 - - - 11,00,000 3,00,000 3,69,540
7 1,00,000 1,00,000 - - - 11,00,000 3,50,000 4,74,250
8 1,00,000 1,00,000 - - - 11,48,720 4,64,000 5,96,160
9 1,00,000 1,00,000 - - - 13,48,650 5,94,000 7,37,730
10 1,00,000 1,00,000 - - - 15,64,500 7,40,000 9,01,700
11 1,00,000 1,00,000 - - - 17,97,730 9,02,000 10,91,090
12 1,00,000 1,00,000 - - - 20,49,480 10,80,000 13,09,320
13 - - - - - 22,13,520 10,80,000 14,40,240
14 - - 2,01,230 - - - - -
15 - - 2,01,230 - - - - -
16 - - 2,01,230 - - - - -
17 - - 2,01,230 - - - - -
18 - - 2,01,230 - - - - -
19 - - 2,01,230 - - - - -
20 - - 2,01,230 - - - - -
21 - - 2,01,230 - - - - -
22 - - 2,01,230 - - - - -
23 - - 2,01,230 - - - - -
24 - - 2,01,230 - - - - -
25 - - 2,01,230 - - - - -
Notes:
• Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and Goods and Service Tax.
• Total Annual Premium includes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any but excludes Goods and Service Tax.
• Refer Sales literature (Prospectus) for explanation of terms used in this illustration.

UIN: 104N116V03 Max Life Insurance Company Limited having its Corporate Office at 11th Floor, DLF Square, Jacaranda Marg, DLF City, Phase II, Gurugram – 122002 Page 2 of 3
 I, ……………………………………………. (name),have explained the premiums, and benefits I, ASHISH (name), having received the information with respect to the above, have understood
under the product fully to the prospect / policyholder. the above statement before entering into the contract.

Place: Signature / Thumb Impression / Electronic Signature of Date:1/2/21 Signature / Thumb Impression / Electronic Signature of
Date: 1/2/21 Agent/ Intermediary / Official Prospect/ Policyholder
This system generated benefit illustration shall be treated as signed by me.

UIN: 104N116V03 Max Life Insurance Company Limited having its Corporate Office at 11th Floor, DLF Square, Jacaranda Marg, DLF City, Phase II, Gurugram – 122002 Page 3 of 3
89,31,25,100000,100000,M,c89
 Proposal No: 8286359

Name of the Prospect/Policyholder : Ashish Name of the Product : Tata AIA Life Insurance Diamond Savings
Plan
Age (Years) : 30 Gender: Male
Tag Line : Non-Linked Participating Individual Life
Insurance Savings Plan
Name of the Life Assured : Ashish
Unique Identification No.: 110N133V02
Age (Years) : 30 Gender: Male
GST Rate: 4.5%
Policy Term (Years) : 25
I am red I am red
Premium Payment Term (Years) : 12

Amount of Instalment Premium (Rs.) 104500

: I am red I am red

Mode of Payment of Premium : Annual

Assured Benefit : 357258

How to read and understand this benefit illustration?

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy, at two assumed rate of interest i.e., 8% p.a. and 4% p.a.
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If
your policy offers guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits
then the illustration on this page will show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are
not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependant on a number of factors including
future investment performance.

Policy Details
Policy Option NA Basic Sum Assured Rs. 1100000

Bonus Type Compound Reversionary Bonus Sum Assured on Death (at inception of the policy) Rs. 1100000

Rider Details
Rider Name (Benefit Option) UIN Sum Assured (Rs.) Term (Years) Premium Payment Term (Years) Premium without GST (Rs.)

Total Benefit Summary

Benefits @ 4% Benefits @ 8%

Total Guaranteed Income payable (A) 1161089 1161089

Non-Guaranteed Compound Reversionary Bonus payable at Maturity (B) 23012 487030

Non-Guaranteed Terminal Bonus payable at Maturity (C) 600193 1882750

Total Benefit (including Guaranteed and Non-Guaranteed Benefits) payable (A + B + C) 1784294 3530869

Premium Summary
Base Plan Riders Total Instalment Premium

Instalment Premium without GST (Rs.) 100000 0 100000

Instalment Premium with First year GST (Rs.) 104500 0 104500

Instalment Premium with GST 2nd year onwards (Rs.) 102250 0 102250
 (Amount in Rupees)

Total Benefits
Non - Guaranteed Benefits Non - Guaranteed Benefits
Guaranteed Benefits including Guaranteed and Non Guaranteed
@4% p.a. @8% p.a.
Benefits
Maturity Benefit Death Benefit

Single/ Total Total Total Total

Policy Maturity Maturity Death Death
Annualized Survival
Year Benefit, Benefit, Benefit, Benefit,
Premium Guaranteed Benefit Surrender Death Maturity Reversionary Cash Surrender Reversionary Cash Surrender incl incl incl of incl of
Additions (Guaranteed Benefit Benefit Benefit Bonus Bonus Benefit Bonus Bonus Benefit Terminal Terminal Terminal Terminal
income) Bonus, Bonus, Bonus, Bonus,
if any if any if any if any
@4% @8% @4% @8%
(7+8+9) (7+11+12) (6+8+9) (6+11+12)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

1 100000 NA 0 0 1100000 0 893 NA 0 12504 NA 0 0 0 1100000 1100000

2 100000 NA 0 60000 1100000 0 1789 NA 52732 25446 NA 59119 0 0 1100893 1112504

3 100000 NA 0 105000 1100000 0 2686 NA 84958 38840 NA 95443 0 0 1101789 1125446

4 100000 NA 0 200000 1100000 0 3586 NA 117185 52704 NA 131920 0 0 1102686 1138840

5 100000 NA 0 250000 1100000 0 4488 NA 156248 67052 NA 176269 0 0 1103586 1152704

6 100000 NA 0 300000 1100000 0 5392 NA 199218 81903 NA 225232 0 0 1104488 1167052

7 100000 NA 0 350000 1100000 0 6299 NA 247382 97274 NA 280133 0 0 1105392 1181903

8 100000 NA 0 416000 1100000 0 7208 NA 393270 113183 NA 456619 0 0 1109872 1200847

9 100000 NA 0 495000 1100000 0 8119 NA 578790 129648 NA 685992 0 0 1360861 1527570

10 100000 NA 0 570000 1100000 0 9033 NA 800921 146690 NA 970720 0 0 1676159 1944164

11 100000 NA 0 649000 1100000 0 9948 NA 1060576 164328 NA 1314928 0 0 1995032 2389915

12 100000 NA 0 744000 1100000 0 10866 NA 1344505 182583 NA 1720166 0 0 2392505 2957731

13 0 NA 89315 768000 1100000 0 11787 NA 1352756 201478 NA 1797714 0 0 2739963 3522591

14 0 NA 89315 702686 1100000 0 12709 NA 1305655 221034 NA 1838310 0 0 2644423 3534340

15 0 NA 89315 649371 1100000 0 13634 NA 1258038 241274 NA 1881676 0 0 2491725 3496735

16 0 NA 89315 584057 1100000 0 14561 NA 1213411 262222 NA 1927904 0 0 2364037 3477677

17 0 NA 89315 530742 1100000 0 15491 NA 1162131 283904 NA 1977189 0 0 2229206 3420028

18 0 NA 89315 465428 1100000 0 16423 NA 1114466 306345 NA 2031590 0 0 2140821 3434565

19 0 NA 89315 400113 1100000 0 17357 NA 1064984 329571 NA 2085664 0 0 2048866 3417707

20 0 NA 89315 346799 1100000 0 18294 NA 1010470 353610 NA 2143491 0 0 1974776 3412353

21 0 NA 89315 281484 1100000 0 19232 NA 955032 378490 NA 2201263 0 0 1911406 3422102

22 0 NA 89315 216170 1100000 0 20174 NA 896229 404242 NA 2257181 0 0 1862329 3439837

23 0 NA 89315 162855 1100000 0 21117 NA 835951 430894 NA 2323049 0 0 1809682 3429862

24 0 NA 89315 97541 1100000 0 22063 NA 772982 458479 NA 2385458 0 0 1771327 3442224

25 0 NA 0 0 1100000 89,315 23012 NA 0 487030 NA 0 712519 2459094 1743692 3459092

Note: Annualized premium excludes underwriting extra premium, frequency loadings on premiums, the premium paid towards the riders, if any, and Goods and
Services Tax. Refer Sales literature for explanation of terms used in the illustration.

I _____________________________________(name), have I _____________________________________(name), having received the

explained the premiums and benefits under the product fully to the information with respect to the above, have understood the above statement before
prospect / policyholder. entering into the contract.

Place: i am red
Date: Signature of Agent/ Intermediary/ Official Date: Signature of Prospect/ Policyholder

Unique Reference Number - L&C/Advt/2019/Nov/741

Tata AIA Life Insurance Company Ltd. (IRDA of India Regn No. 110) (CIN: U66010MH2000PLC128403)
Registered and Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai- 400013
Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license.
For more information, Call the Tata AIA Life Insurance Company Ltd Helpline number1860-266-9966 (local charges apply) or Visit us at: www.tataaia.com or
SMS 'LIFE' to 58888

(I)V.90.00/FY2020-2021_Q4/RELEASE 01-01-21/EXPIRY 31-03-2021 004824885Y6DSP12V2P1 06-01-2021,05:48 PM

 SBI Life Insurance Co. Ltd
Corporate Office: 'Natraj', M.V. Road and Western Express Highway Junction, Andheri (East),
Mumbai - 400 069. IRDAI Registration No. 111
Website: www.sbilife.co.in | Email: [email protected] | CIN: L99999MH2000PLC129113
Toll Free: 1800 267 9090 (Between 9.00 am & 9.00 pm)

Customised Benefit Illustration (CBI)

SBI LIFE - Smart Wealth Builder (UIN: 111L095V02)
An Individual, Unit-linked, Non-Participating, Life Insurance Product

Date:03-Jan-2021 21:17:38 V02 Page 1 of 4

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Proposal No.:____________________________ Channel / Intermediary :_________________________

Insurance Regulatory and Development authority of India (IRDAI) requires all life insurance companies operating in India to provide official illustrations to their
customers. The illustrations are based on the investment rates of return set by the Insurance Regulatory and Development Authority of India (Unit Linked Insurance
Products) Regulations, 2019 and is not intended to reflect the actual investment returns achieved or which may be achieved in future by SBI Life Insurance Company
Limited.

The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some
level of quantification. For further information on the product, its benefits and applicable charges please refer to the sales brochure and/or policy document. Further
information will also be available on request.

Some benefits are guaranteed and some benefits are variable with returns based on the future fund performance of SBI Life Insurance Company Limited. If your
policy offers guaranteed returns then the same will be clearly marked as ³guaranteed´in the illustration table. If your policy offers variable returns then the
illustration will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower
limits of what you might get back, as the value of your policy is dependent on a number of factors including future fund investment performance.

Proposer, Life Assured and Plan Details Rate of Applicable taxes: 18%
Name of Proposer Ashish
Age of Proposer 31 Fund Name (SFIN Name) % FMC Risk Level
Allocat
Name of the Life Assured Ashish ion
Age of the Life Assured 31 0% 1.35% High
Equity Fund (SFIN :
Policy term 15
ULIF001100105EQUITY-FND111)
Premium Payment Term Same as Policy Term
Amount of Installment 1,02,000
Premium 0% 1.35%
Equity Optimiser Fund (SFIN : High
Mode/Frequency of Premium Yearly ULIF010210108EQTYOPTFND111)
Payment
Sum Assured 10,20,000
100% 1.35%
Growth Fund (SFIN : Medium
ULIF003241105GROWTH-FND111) to High

0% 1.25%
Balanced Fund (SFIN : Medium
ULIF004051205BALANCDFND111)

0% 0.25%
Money Market Fund (SFIN : Low
ULIF005010206MONYMKTFND111)

0% 1.35%
Top 300 Fund (SFIN : High
ULIF016070110TOP300-FND111)

0% 1.15%
Bond Optimiser Fund (SFIN : Low to
ULIF032290618BONDOPTFND111) Medium

0% 1.00%
Bond Fund (SFIN : Low to
ULIF002100105BONDULPFND111) Medium

0% 1.35%
Midcap Fund (SFIN : High
ULIF031290915MIDCAPFUND111)

0% 1.35%
Pure Fund (SFIN : High
ULIF030290915PUREULPFND111)

0% 1.15%
Corporate Bond Fund (SFIN : Low to
ULIF033290618CORBONDFND111) Medium
 SBI Life Insurance Co. Ltd
Corporate Office: 'Natraj', M.V. Road and Western Express Highway Junction, Andheri (East),
Mumbai - 400 069. IRDAI Registration No. 111
Website: www.sbilife.co.in | Email: [email protected] | CIN: L99999MH2000PLC129113
Toll Free: 1800 267 9090 (Between 9.00 am & 9.00 pm)

Customised Benefit Illustration (CBI)

SBI LIFE - Smart Wealth Builder (UIN: 111L095V02)
An Individual, Unit-linked, Non-Participating, Life Insurance Product

Date:03-Jan-2021 21:17:38 V02 Page 2 of 4

How to read and understand this benefit illustration?

This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may grow over the
years of the policy term if the fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e. 8% p.a. and 4% p.a. are assumed only for the purpose of illustrating the
flow of benefits if the returns are at this level. It should not be interpreted that the returns under the plan are going to be either 8% p.a. or 4% p.a.

Net yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, underwriting extra, if any, if deducted
by cancellation of units. It demonstrates the impact of charges exclusive of taxes on the net yield. Please note that the mortality charges per thousand sum assured in
general, increases with age.

The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, underwriting extra etc. The investment risk in this policy is
borne by the policyholder, hence, for more details on terms and conditions please read the sales literature carefully.

Part A of this statement presents a summary view of year- by- year charges deducted under the policy, fund value, surrender value and the death benefit, at two
assumed rates of return. Part B of this statement presents a detailed break-up of the charges, and other values.

PART A
Amount in Rs
At 4% p.a. Gross Investment Return At 8% p.a. Gross Investment Return
Policy Annualiz Mortality Other Applicabl Fund at Surrende Death Mortalit Other Applicabl Fund at Surrende Death Commiss
Year ed Charges Charges e Taxes End of r Value Benefit y Charge e Taxes End of r Value Benefit ion
Premiu * the Year Charges s* the payble to
m Year intermed
iary(Rs.)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)

01 102,000 1,226 10,417 2,096 91,851 85,348 1,020,000 1,223 10,443 2,100 95,412 88,657 1,020,000 10,200

02 102,000 1,141 9,167 1,855 189,046 184,231 1,020,000 1,131 9,269 1,872 200,138 195,323 1,020,000 2,040

03 102,000 1,050 10,498 2,079 288,638 285,027 1,020,000 1,027 10,734 2,117 311,580 307,969 1,020,000 2,040

04 102,000 949 11,361 2,216 391,313 388,953 1,020,000 904 11,791 2,285 430,824 428,464 1,020,000 2,040

05 102,000 836 12,767 2,449 496,541 496,541 1,020,000 758 13,458 2,559 557,749 557,749 1,020,000 2,040

06 102,000 706 12,414 2,362 606,623 606,623 1,020,000 582 13,439 2,524 695,194 695,194 1,020,000 1,530

07 102,000 556 13,922 2,606 719,477 719,477 1,020,000 369 15,362 2,832 841,547 841,547 1,020,000 1,530

08 102,000 374 14,967 2,761 835,822 835,822 1,020,000 104 16,908 3,062 998,073 998,073 1,020,000 1,020

09 102,000 159 16,561 3,010 955,165 955,165 1,020,000 - 19,096 3,437 1,164,573 1,164,573 1,164,573 1,020

10 102,000 16 18,196 3,278 1,082,589 1,082,589 1,082,589 - 21,423 3,856 1,346,651 1,346,651 1,346,651 1,020

11 102,000 - 16,930 3,047 1,211,629 1,211,629 1,211,629 - 20,958 3,772 1,538,922 1,538,922 1,538,922 1,020

12 102,000 - 18,697 3,365 1,343,709 1,343,709 1,343,709 - 23,644 4,256 1,743,292 1,743,292 1,743,292 1,020

13 102,000 - 20,505 3,691 1,478,900 1,478,900 1,478,900 - 26,500 4,770 1,960,521 1,960,521 1,960,521 1,020

14 102,000 - 22,356 4,024 1,617,275 1,617,275 1,617,275 - 29,536 5,316 2,191,418 2,191,418 2,191,418 1,020

15 102,000 - 24,250 4,365 1,774,209 1,774,209 1,774,209 - 32,763 5,897 2,452,143 2,452,143 2,452,143 1,020

*See Part B for details

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE
ONLY FOR ILLUSTRATIVE PURPOSE

I,________________, have explained the premiums, charges and benefits I,__________________ (name), have received the information with
under the policy fully to the prospect/policyholder. respect to the above and have understood the above statement before
entering into a contract.
Place :________ Date:________
Signature of Agent/ Intermediary/ Official :_________________ Place :________ Date:________
Signature of Prospect/Policyholder:_________________
 SBI Life Insurance Co. Ltd
Corporate Office: 'Natraj', M.V. Road and Western Express Highway Junction, Andheri (East),
Mumbai - 400 069. IRDAI Registration No. 111
Website: www.sbilife.co.in | Email: [email protected] | CIN: L99999MH2000PLC129113
Toll Free: 1800 267 9090 (Between 9.00 am & 9.00 pm)

Customised Benefit Illustration (CBI)

SBI LIFE - Smart Wealth Builder (UIN: 111L095V02)
An Individual, Unit-linked, Non-Participating, Life Insurance Product

Date:03-Jan-2021 21:17:38 V02 Page 3 of 4

PART B
Amount in Rs
Gross Yield 8% p.a Net 6.12%
Yield
Policy Annualize Premium Annualiz Mortality Applicable Policy Other Additions Guaranteed Fund FMC Fund at Surrender Death
Year d Allocation ed Charge Taxes Admin Charges* To The Addition before end of year Value Benefit
Premium Charge Premium Charge Fund* FMC
(AP) (PAC) -
Premium
Allocatio
n Charge
1 1,02,000 9,180 92,820 1,223 2,100 - - 7,178 - 96,675 1,263 95,412 88,657 10,20,000

2 1,02,000 6,630 95,370 1,131 1,872 - - 14,998 - 2,02,777 2,639 2,00,138 1,95,323 10,20,000

3 1,02,000 6,630 95,370 1,027 2,117 - - 23,320 - 3,15,684 4,104 3,11,580 3,07,969 10,20,000

4 1,02,000 6,120 95,880 904 2,285 - - 32,223 - 4,36,495 5,671 4,30,824 4,28,464 10,20,000

5 1,02,000 6,120 95,880 758 2,559 - - 41,700 - 5,65,087 7,338 5,57,749 5,57,749 10,20,000

6 1,02,000 3,570 98,430 582 2,524 720 - 51,990 - 7,04,343 9,149 6,95,194 6,95,194 10,20,000

7 1,02,000 3,570 98,430 369 2,832 720 - 62,916 - 8,52,619 11,072 8,41,547 8,41,547 10,20,000

8 1,02,000 3,060 98,940 104 3,062 720 - 74,598 - 10,11,201 13,128 9,98,073 9,98,073 10,20,000

9 1,02,000 3,060 98,940 - 3,437 720 - 87,034 - 11,79,889 15,316 11,64,573 11,64,573 11,64,573

10 1,02,000 3,060 98,940 - 3,856 720 - 1,00,256 5,100 13,64,294 17,643 13,46,651 13,46,651 13,46,651

11 1,02,000 - 1,02,000 - 3,772 720 - 1,15,002 - 15,59,160 20,238 15,38,922 15,38,922 15,38,922

12 1,02,000 - 1,02,000 - 4,256 720 - 1,30,270 - 17,66,216 22,924 17,43,292 17,43,292 17,43,292

13 1,02,000 - 1,02,000 - 4,770 720 - 1,46,499 - 19,86,301 25,780 19,60,521 19,60,521 19,60,521

14 1,02,000 - 1,02,000 - 5,316 720 - 1,63,749 - 22,20,234 28,816 21,91,418 21,91,418 21,91,418

15 1,02,000 - 1,02,000 - 5,897 720 - 1,82,085 15,300 24,84,186 32,043 24,52,143 24,52,143 24,52,143

Amount in Rs.

Gross Yield 4%p.a

Annualized Premium Annualized Mortality Applicable Policy Other Additions Guaranteed Fund FMC Fund at Surrender Death
Premium Allocation Premium - Charge Taxes Admin Charges* To The Addition before end of Value Benefit
Policy (AP) Charge Premium Charge Fund* FMC year
Year (PAC) Allocation
Charge
1 102,000 9,180 92,820 1,226 2,096 - - 3,589 - 93,088 1,237 91,851 85,348 1,020,000

2 102,000 6,630 95,370 1,141 1,855 - - 7,358 - 191,583 2,537 189,046 184,231 1,020,000

3 102,000 6,630 95,370 1,050 2,079 - - 11,219 - 292,506 3,868 288,638 285,027 1,020,000

4 102,000 6,120 95,880 949 2,216 - - 15,200 - 396,554 5,241 391,313 388,953 1,020,000

5 102,000 6,120 95,880 836 2,449 - - 19,280 - 503,188 6,647 496,541 496,541 1,020,000

6 102,000 3,570 98,430 706 2,362 720 - 23,563 - 614,747 8,124 606,623 606,623 1,020,000

7 102,000 3,570 98,430 556 2,606 720 - 27,938 - 729,109 9,632 719,477 719,477 1,020,000

8 102,000 3,060 98,940 374 2,761 720 - 32,447 - 847,009 11,187 835,822 835,822 1,020,000

9 102,000 3,060 98,940 159 3,010 720 - 37,073 - 967,946 12,781 955,165 955,165 1,020,000

10 102,000 3,060 98,940 16 3,278 720 - 41,815 5,100 1,097,005 14,416 1,082,589 1,082,589 1,082,589

11 102,000 - 102,000 - 3,047 720 - 47,018 - 1,227,839 16,210 1,211,629 1,211,629 1,211,629

12 102,000 - 102,000 - 3,365 720 - 52,142 - 1,361,686 17,977 1,343,709 1,343,709 1,343,709

13 102,000 - 102,000 - 3,691 720 - 57,387 - 1,498,685 19,785 1,478,900 1,478,900 1,478,900

14 102,000 - 102,000 - 4,024 720 - 62,755 - 1,638,911 21,636 1,617,275 1,617,275 1,617,275

15 102,000 - 102,000 - 4,365 720 - 68,249 15,300 1,797,739 23,530 1,774,209 1,774,209 1,774,209

<<*specify details,If any>>

Notes

1)Refer the sales literature for explanation of terms used in this illustration

2)Please read this benefit illustration in conjunction with Sales Brochure and the Policy Document to understand all Terms, Conditions & Exclusions
carefully.

3)Kindly note that above is only an illustration and does not in any way create any rights and/or obligations. The actual experience on the contract
may be different from what is illustrated. The non-guaranteed low and high rate mentioned above relate to assumed investment returns at different rates and
may vary depending upon market conditions. For more details on risk factors, terms and conditions please read sales brochure carefully.

4)The unit values may go up as well as down and past performance is no indication of future performance on the part of SBI Life Insurance Co. Ltd.
We would request you to appreciate the associated risk under this plan vis-à-vis the likely future returns before taking your investment decision.

5)It is assumed that the policy is in force throughout the term.

 SBI Life Insurance Co. Ltd
Corporate Office: 'Natraj', M.V. Road and Western Express Highway Junction, Andheri (East),
Mumbai - 400 069. IRDAI Registration No. 111
Website: www.sbilife.co.in | Email: [email protected] | CIN: L99999MH2000PLC129113
Toll Free: 1800 267 9090 (Between 9.00 am & 9.00 pm)

Customised Benefit Illustration (CBI)

SBI LIFE - Smart Wealth Builder (UIN: 111L095V02)
An Individual, Unit-linked, Non-Participating, Life Insurance Product

Date:03-Jan-2021 21:17:38 V02 Page 4 of 4

6)Fund management charge is based on the specific investment strategy/fund option(s) chosen

7)Surrender Value equals the Fund Value at the end of the year minus Discontinuance Charges. Surrender value is available on or after 5th policy
anniversary.

8)Acceptance of proposal is subject to Underwriting decision. Mortality charges are for a healthy person.

9)Applicable Taxes (including surcharge/cess etc), at the rate notified by the Central Government/ State Government / Union Territories of India from
time to time and as per the provisions of the prevalent tax laws will be payable on premium/ or any other charges as per the product features.

10)This policy provides guaranteed death benefit of Rs. 1,020,000

11)Net Yield have been calculated after applying all the charges (except GST, mortality charges).

Definition of various charges-

1) Policy Administration Charges: a charge of a fixed sum which is applied at the beginning of each policy month by cancelling units for
equivalent amount, deducted for maintaining the policy.
2) Premium Allocation Charge: is the percentage of premium that would not be utilised to purchase units.

3) Mortality Charges : are the charges recovered for providing life insurance cover, deducted at the beginning of each policy month by
cancelling units for equivalent amount.
4) Fund Management Charge (FMC) : is the deduction made from the fund at a stated percentage before the computation of the NAV of the fund.

Important :

You may receive a Welcome Call from our representative to confirm your proposal details like Date of Birth, Nominee Name, Address, Email ID,
Sum Assured, Premium amount, Premium Payment Term etc.

You may have to undergo Medical tests based on our underwriting requirements.

Your SBI Life - Smart Wealth Builder (111L095V02) is a Regular Premium Policy and you are required to pay yearly premium of Rs. 1,02,000. Your
Policy Term is 15 years ,Premium Payment Term is Same as Policy Term and Sum Assured is Rs.1,020,000

If premium is greater than Rs. 1 Lakh. You have to submit proof of source of fund.

I,________________, have explained the premiums, charges and benefits under I,___________________, have received the information with respect to
the policy fully to the prospect/policyholder. the above and have understood the above statement before entering into a
contract.
Place :________ Date:________ Place:___________________________ Date: __/__/__Signature of
Signature of Agent/ Intermediary/ Official :_________________ Prospect/Policyholder :_________________________
 Benefit Illustration for ICICI Pru Saving Suraksha

Name of the Prospect / Policyholder : Mr. Name of the Product : ICICI Pru Savings Suraksha
Date of Birth(Age) : 01-Jan-1990 (31 Years) Tag Line : Non Linked Participating Life
Individual Savings Product
Gender of the PolicyHolder : MALE Unique Identification No. : 105N135V02
Name of the Life Assured : Mr. GST Rate and Cesses, if any for : 4.5%
Year 1
Date of Birth(Age) : 01-Jan-1990 (31 Years) GST Rate and Cesses, if any for : 2.25%
Year 2 Onwards
Gender of the Life Assured : MALE Sales Channel : Proprietary
Policy Term : 25 Years
Premium Payment Term : 12 Years
Amount of Instalment Premium : Rs 100,000/-
Mode of payment of Premium : Yearly

How to read and understand this benefit illustration?

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8%
p.a. and 4% p.a.

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life
insurance business. If your policy offers guaranteed benefits these will be clearly marked 'guaranteed' in the illustration table on this page. If your
policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns, of 8% p.a. and
4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of
your policy is dependent on a number of factors including future investment performance.

Policy Details
Policy Option NA Sum Assured at Maturity (Guaranteed Maturity Benefit): 1,356,116
Bonus Type Compound Sum Assured on Death (at inception of the policy): 1,000,000

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without Applicable Taxes Rs 100,000/- - Rs 100,000/-
Instalment Premium with first year Applicable Taxes Rs. 104,501/- - Rs. 104,501/-
Instalment Premium with Applicable Taxes 2nd year onwards Rs. 102,251/- - Rs. 102,251/-

Statement of various benefits over the duration of the policy with assumed gross interest rate as mentioned

Benefit summary
Benefits @ 4% Benefits @ 8%
Total Guaranteed Maturity Benefit (A)=(i)+(ii) 1,695,145 1,695,145

Guaranteed Maturity Benefit (i) 1,356,116 1,356,116

Guaranteed Additions (ii) 339,029 339,029

Estimated accumulated reversionary bonus 0 1,158,047

Estimated Terminal Bonus 443,086 1,122,874

Estimated Total Maturity Amount 2,138,231 3,976,066

(All charges are in Rupees)

Benefit Details
Guaranteed Benefits Non-guaranteed benefits @ Non-guaranteed benefits @ 8% Total Benefits including guaranteed and non-
4% guaranteed benefits
Maturity Benefit Death Benefit
Sur Surrender Death Maturity Re Ac Cas Surrender Rev. Bonus Acc. Rev. Ca Surrender Total Total Total Death Total Death
viv Benefit Benefit Benefit v. c. h Benefit Bonus sh Benefit Maturity Maturity Benefit @ Benefit @
Pol Single/A GA Acc. GA al Bo Re Bon Bo Benefit @ Benefit @ 4% 8%
. Yr nnualise Be nus v. us nus 4% 8% (7+10+Termi (7+14+Termi
d nefi Bo (8+10+Termi (8+14+Termi nal Bonus, if nal Bonus, if
Premium t nus nal Bonus, if nal Bonus, if any ) any)
any) any)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
1 100000 67,806 67,806 NA 0 1,423,922 0 0 0 NA 0 33,903 33,903 NA 0 0 0 1,423,922 1,457,825
2 100000 67,806 135,612 NA 83,732 1,491,728 0 0 0 NA 83,732 34,750 68,653 NA 87,152 0 0 1,491,728 1,560,380
3 100000 67,806 203,417 NA 143,649 1,559,533 0 0 0 NA 143,649 35,620 104,273 NA 149,515 0 0 1,559,533 1,663,807
4 100000 67,806 271,223 NA 255,601 1,627,339 0 0 0 NA 255,601 36,509 140,782 NA 264,555 0 0 1,627,339 1,768,121
5 100000 67,806 339,029 NA 324,586 1,695,145 0 0 0 NA 324,586 37,423 178,205 NA 337,414 0 0 1,695,145 1,873,350
6 100000 0 339,029 NA 379,672 1,695,145 0 0 0 NA 507,328 38,358 216,563 NA 511,878 0 0 1,695,145 1,911,708
7 100000 0 339,029 NA 434,757 1,695,145 0 0 0 NA 621,094 39,317 255,880 NA 647,466 0 0 1,695,145 1,951,025
8 100000 0 339,029 NA 569,843 1,695,145 0 0 0 NA 739,212 40,300 296,180 NA 793,513 0 0 1,695,145 1,991,325
9 100000 0 339,029 NA 634,928 1,695,145 0 0 0 NA 861,870 41,307 337,487 NA 950,858 0 0 1,695,145 2,032,632
10 100000 0 339,029 NA 700,014 1,695,145 0 0 0 NA 989,274 42,340 379,827 NA 1,120,418 0 0 1,695,145 2,074,972
11 100000 0 339,029 NA 820,099 1,695,145 0 0 0 NA 1,121,643 43,399 423,226 NA 1,298,340 0 0 1,695,145 2,118,371
12 100000 0 339,029 NA 890,184 1,695,145 0 0 0 NA 1,259,222 44,483 467,709 NA 1,488,888 0 0 1,695,145 2,162,854
13 0 0 339,029 NA 895,270 1,695,145 0 0 0 NA 1,302,424 45,596 513,305 NA 1,590,359 0 0 1,695,145 2,208,450
14 0 0 339,029 NA 912,355 1,695,145 0 0 0 NA 1,347,221 46,735 560,040 NA 1,699,192 0 0 1,695,145 2,255,185
15 0 0 339,029 NA 953,441 1,695,145 0 0 0 NA 1,393,690 47,904 607,944 NA 1,815,980 0 0 1,695,145 2,303,089
16 0 0 339,029 NA 982,526 1,695,145 0 0 0 NA 1,441,923 49,102 657,046 NA 1,941,383 0 0 1,695,145 2,352,191
17 0 0 339,029 NA 1,023,612 1,695,145 0 0 0 NA 1,492,023 50,329 707,375 NA 2,076,132 0 0 1,695,145 2,405,842
18 0 0 339,029 NA 1,052,697 1,695,145 0 0 0 NA 1,544,109 51,587 758,962 NA 2,220,994 0 0 1,720,894 2,557,911
19 0 0 339,029 NA 1,081,782 1,695,145 0 0 0 NA 1,598,316 52,877 811,839 NA 2,376,540 0 0 1,773,799 2,720,844
20 0 0 339,029 NA 1,122,868 1,695,145 0 0 0 NA 1,654,761 54,199 866,038 NA 2,543,473 0 0 1,828,798 2,895,446
21 0 0 339,029 NA 1,151,953 1,695,145 0 0 0 NA 1,713,364 55,554 921,592 NA 2,722,674 0 0 1,885,974 3,082,581
22 0 0 339,029 NA 1,181,039 1,695,145 0 0 0 NA 1,774,185 56,943 978,535 NA 2,915,096 0 0 1,945,414 3,283,177
23 0 0 339,029 NA 1,222,124 1,695,145 0 0 0 NA 1,837,326 58,366 1,036,901 NA 3,121,773 0 0 2,007,207 3,498,229
24 0 0 339,029 NA 1,251,210 1,695,145 0 0 0 NA 1,902,893 59,825 1,096,726 NA 3,343,823 0 0 2,071,447 3,728,809
25 0 0 339,029 NA 1,256,295 1,695,145 1,695,145 0 0 NA 1,917,086 61,321 1,158,047 NA 3,528,544 2,138,231 3,976,066 2,138,231 3,976,066

Pol. Yr - Policy Year, GA - Guaranteed Additions, Acc. GA - Accumulated Guaranteed Additions, Rev. Bonus - Reversionary Bonus, Acc. Rev. Bonus -
Accumulated Reversionary Bonus

Notes: Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders,
if any, and Applicable taxes

Disclaimers
===========

1. ICICI Pru Savings Suraksha is a savings and protection oriented plan.

2. ICICI Pru Savings Suraksha is only the name of the policy and does not in any way indicate the quality of the policy,
its future prospects or returns.
3. The above illustration is applicable to a standard life (from medical, life style and occupation point of view).
4. The main objective of the illustration is that the policyholder is able to understand the features of the product and the
nature of benefits under different circumstances with some level of quantification.
5. Once reversionary bonus is declared in any year and added to the policy, the bonus so added is guaranteed.
6. The Guaranteed surrender benefit shown above reflects the guaranteed surrender value excluding the cash value of
accrued vested reversionary bonuses.
7. The policy will acquire a surrender value after payment of two full years' premium. The surrender value payable will be
Guaranteed Surrender Value plus cash value of accrued vested reversionary bonuses, if any, plus cash value of
accrued GAs, at the point of surrender or Non Guaranteed Surrender Value, whichever is higher.The displayed Non
Guaranteed Surrender Values are only indicative. These may change from time to time subject to approval from
IRDAI. The policyholder is advised to check the Non Guaranteed surrender value payable with the company before
surrendering.
8. The surrender values are illustrated assuming that all the instalment premiums payable in a policy year are paid and
that the event occurs at the end of the policy year. The surrender values will be lower than those illustrated above if
surrender takes place before the end of the policy year or if all the instalment premiums payable in that policy year
have not been paid.
9. Bonuses are indicative given gross returns of 4% and 8% and are at the discretion of the Company. Bonuses will vary
depending on the performance of the participating fund. They may also vary at a policy level and reflect your sum
assured, premium payment term, policy term and age.
10. For the purpose of illustrations, we have assumed 4% and 8% as the lower and the higher rates of investment returns
respectively, in the calculations. These are in accordance with the guidelines issued by IRDAI and in no way signify
our expectations of investment returns. The actual investment return may be higher or lower than the above rates.
11. The investment returns assumed should not be construed to be the range within which investment returns will fall.
12. The death benefit illustrated assume that the event occurs at the end of the policy year.
13. The loan amount available will be 80% of the surrender value.
14. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
15. The above information must be read in conjunction with the sales brochure and policy document.
16. As per the Finance Act 2012, all policies issued from April 1, 2012, with premium to sum assured ratio of less than
1:10 and where death benefit at any time is less than 10 times premium, will not be eligible for tax benefit under
section 10 (10D) of the Income Tax Act. Further tax benefit u/s 80C for such policy will be limited only up to 10% of
Sum Assured. Tax benefits under the policy are subject to conditions under Sec. 10 (10D) and Sec. 80C of the
Income Tax Act, 1961.
17. GST and Cesses, if any, shown above will be charged extra as per applicable rates. Tax laws are subject to
amendments from time to time.
18. For any further clarifications, policyholder can contact the advisor / FSC or e-mail us on [email protected]

I __________________________________, having received the information I _______________________________, have explained the

with respect to the above,have understood the above illustration before above illustration and the terms and conditions of this product to
entering into the contract. the Policyholder.
Policyholder's Signature :______________________________ Marketing official's Signature :______________________________
Place : Company Seal :
Date : Place :
Date :
ICICI Prudential Life Insurance Company Limited.
1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025
Email: [email protected]
www.iciciprulife.com
 Beti ke liye behtar padhai.
SAMJHO HO GAYA.
Bajaj Allianz Life
POS Goal Suraksha
A Non-Participating Non-linked Life Insurance Plan

Key Features of the plan

Aim of the Bajaj Allianz Life POS Goal Suraksha is a life, individual non-linked, non-participating, limited premium payment, non-medical POS endowment savings
policy plan.

Maturity Benefit - If all Regular Premiums are paid under the Policy, on the Maturity Date the Guaranteed Sum Assured on Maturity plus Guaranteed
Additions will be paid and the Policy will terminate.
Death Benefit- If all due premiums are paid, then, in case of an unfortunate death of the life assured after the waiting period including death due to an
accident during the waiting period of 90 days during the policy term, the death benefit which is stated as Sum Assured on Death# is payable. The Sum
Assured on Death is higher of:
(i) 10 times of Annualized Premium*, (ii) 105% of Total Premiums** paid as on date of death, (iii) Sum Assured#,
Benefits
under the In case of death during the waiting period other than due to accident, the death benefit payable will be 100% of the total premiums paid**.
Policy * Annualized Premium is exclusive of extra premium, loadings for modal premiums and Goods &Service Tax, if any/any other applicable tax levied, subject to
changes in tax laws
**Total Premiums paid is equal to (Annualized Premium * number of years for which premiums have been paid)
#
Guaranteed Sum Assured on Maturity and Sum Assured is 10 times the Annualized Premium

If all the Regular Premiums have been paid and the Policy is in in-force, on the Maturity Date, the Guaranteed Additions as multiple of one (1) Annualized
Premium, as per table below, will be paid along with the Maturity Benefit:

GA as Multiple of one (1) Annualized Premium

Age at Entry Policy Term / Premium Payment Term
Guaranteed 10 years / 7 years 15 years / 5 years 15 years / 7 years 15 years / 10 years 15 years / 12 years
Additions (GA)
18 – 24 years 0.01 0.01 3.46 7.75 10.25
25 – 34 years 0.01 0.01 3.00 7.02 9.34
35 – 45 years 0.01 0.01 2.77 6.53 8.74
46 – 55 years 0.01 0.01 2.30 6.29 8.43

Bajaj Allianz Life Insurance Co. Ltd.,

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006. Reg No.: 116. Ver. 1: English
 Loan You can avail the loan once the Policy acquires a Surrender Benefit. The maximum loan amount granted cumulatively will be up to 75% of the prevailing
Surrender Benefit available under the Policy. Loan interest rate applicable currently is 9% per annum compounding half-yearly, however the loan interest
rate may be revised by the company from time-to-time.

Policy Term 10/15 years.

Premium 5/ 7/10 / 12years

payment You are required to pay Regular Premiums along with applicable taxes, if any, at regular intervals for the entire Premium Payment Term as chosen by You.

15 days for a monthly Premium Payment Frequency and thirty (30) days for other than monthly Premium Payment Frequency, from the due date of
Grace Period Regular Premium payment. The policy will remain in force during the grace period.

If You have not paid, If you have paid at least

• First 2 full years Regular Premiums, then: • First 2 full years Regular Premiums, and subsequent Regular
1. Your Policy will immediately and automatically lapse at the Premiums have not been paid, then:
Non- payment
expiry of the Grace Period and no benefits will be payable 1. Your Policy will be converted to a Paid-up Policy on the expiry of the
of premium & under the policy. Grace Period, with applicable Paid-up Sum Assured, Paid-up Sum
Paid-up Policy 2. You will not have any life cover during the Revival Period. Assured on Maturity & Paid-up Sum Assured on Death,
2. You will not be entitled to the full Policy benefits under a Paid-up
Policy.

a. Paid-up Sum Assured is the reduced value of the Sum Assured arrived at by multiplying the Sum Assured with the proportion of the number of
Regular Premiums received to the total number of Regular Premiums payable under the Policy.

Paid-up b. Paid-up Sum Assured on Maturity is the reduced value of the Guaranteed Sum Assured on Maturity arrived at by multiplying the Sum Assured on
Benefits Maturity with the proportion of the number of Regular Premiums received to the total number of Regular Premiums payable under the Policy.
c. Paid-up Sum Assured on Death is the reduced value of the Sum Assured on Death arrived at by multiplying the Sum Assured on Death with the
proportion of the number of Regular Premiums paid to the total number of Regular Premiums payable under the Policy.

Although it is not advisable to surrender your policy unless there is extreme urgency, you will have the option to surrender your policy provided,
• At least 2 annualized premiums is paid
Surrender
Benefit The Surrender Benefit will be higher of the Guaranteed Surrender Value (GSV) or the Special Surrender Value (SSV)
*Please refer Sales Brochure or Policy Document for the table of applicable GSV & SSV factors.

You may revive Your lapsed/ Paid-up Policy during the Revival Period of five (5) years from the due date of first unpaid premium, subject to the revival
Revival conditions under the Policy.

Alteration of
Premium You can change the Premium Payment Frequency at any Policy Anniversary during the Premium Paying Term, subject to prevailing minimum Regular
Payment Premium allowed mode wise.
Frequency

The Policy shall automatically and immediately terminate on the earlier occurrence of either of the below mentioned events:
• Payment of the Surrender Benefit;
• At the expiry of the Revival Period, if the lapsed Policy has not been revived
Termination • On the date of death of the Life Assured;
• On date of foreclosure of the Policy, if outstanding loan plus interest under a paid-up policy exceeds the surrender benefit
• On the Maturity Date;
• On cancellation of Policy during Free look period.

Suicide Exclusions
In case of death of the life assured due to suicide within 12 months from the date of commencement of risk or the date of latest revival of the policy,
whichever is later, then the nominee or beneficiary of the policyholder shall be entitled to receive, the higher of 80% of the total premiums paid or the
surrender benefit as on the date of death, provided the policy is in force.
Exclusions &
Waiting Period Waiting Period
The Policy has a Waiting Period of ninety (90) days from the Date of Commencement of Risk. Waiting Period is not applicable in case of revival. In case of
death during the waiting period other than due to an accident, only 100% of premium paid excluding extra premium & Goods & Service Tax/any other
applicable tax levied, subject to changes in tax laws will be paid.

Bajaj Allianz Life Insurance Co. Ltd.,

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006. Reg No.: 116. Ver. 1: English
Free Look Within fifteen (15) days of the receipt of this Policy and thirty (30) days in case of electronic Policy and Policy obtained through distance mode, you have
the option to review the terms and conditions of the Policy, and if you disagree with any of the terms and conditions, you have an option to return the
Cancelation Policy stating the reasons for your objections, provided no claim has already been made in the Policy. You shall be entitled to a refund comprising all the
Premiums (excluding applicable taxes) paid, less the proportionate amount of risk premium (for the period the Life Assured was on cover) and the
expenses incurred by the Company on medical examination and stamp duty.

Do's and Don'ts

• Do fill the proposal form very carefully and personally in CAPITAL letters in blue ink only.
• Do provide true and complete information.
• Do provide correct contact number, address and email ID, and update in case of any change, so that you can receive necessary communication.
• Do sign on all the documents provided by You (Self Attestation).
Do's • Do provide Your recent passport photograph.
• Do draw cheque/ DD, in favour of “Bajaj Allianz Life Insurance Co. Ltd.”.
• Do read the Policy bond carefully upon receipt of the same.
• Do contact Us if you do not receive the Policy bond or any other communication from the Us within 30 days.
• Do read the enclosed Benefit Illustration carefully before signing.
• Do register for Auto Debit Instructions/ ECS to ensure timely payments of Your Regular Premium(s) on due dates specified under the Schedule.

• Do not sign any blank proposal form.

• Do not leave any column blank in the proposal form.
Don'ts
• Do not conceal any facts as this could lead to dispute at the time of a claim.
• Do not miss or delay Your Regular Premium payment.
• Do not rely on any commitments of any additional benefits made by anyone apart from what has been highlighted herein above.

Disclaimer
This document contains the highlights of the product Bajaj Allianz Life POS Goal Suraksha UIN: 116N155V05 and is subject to the terms and conditions as contained in the sales
brochure or Policy Document. The terms and conditions as contained in the Policy Document shall govern the contractual relationship and shall be binding. For details on any of the
matters highlighted herein above, please refer to Policy Document upon receipt of the same by You. The standard terms and conditions of the product is also available on the
Company website (at www.bajajallianzlife.com)

Bajaj Allianz Life Insurance Co. Ltd.,

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006. Reg No.: 116. Ver. 1: English
Quotation No : 50007307559

Bajaj Allianz Life POS Goal Suraksha

A Non-Par Non-linked Endowment Plan

Name of the Prospect/ Policyholder: ASHISH MEENA Name of the Product: Bajaj Allianz Life POS Goal Suraksha
Age (Years): 31 Tag Line: A Non-Participating Non-Linked Life
Gender Male Insurance Plan
Name of the Life Assured: ASHISH MEENA Unique Identification Number: 116N155V05
Age (Years): 31 GST Rate(First Year): 4.50%
Gender Male GST Rate(2nd Year onwards): 2.25%
Policy Term (Years): 15
Premium Payment Term (Years): 12
Amount of Instalment Premium (Rs.): 1,00,000
Mode of payment of Premium: Annual

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy.
Policy Details

Sum Assured (Rs.): 10,00,000 Sum Assured on Death (at inception of 10,00,000
the policy) (Rs.):

Premium Summary
Total Installment Premium
Installment Premium without GST 1,00,000
Installment Premium with First Year GST 1,04,500
Installment Premium with GST 2nd year Onwards 1,02,250

(Amount in Rupees)
# ##

Guaranteed Non Guaranteed

Policy Life Assured Annualized Premium (Excl Guaranteed Maturity Death Maturity Benefit under Paid- Guaranteed Surrender Special Surrender Surrender Value
Year Age of GST) Additions Benefit Benefit^! Up Policy Value (GSV) Value (SSV) Receivable

EOTe EOTe EOYe EOTe EOYe EOYe EOYe

1 31 1,00,000 0 0 10,00,000 0 0 0 0
2 32 1,00,000 0 0 10,00,000 1,66,667 60,000 60,000 60,000
3 33 1,00,000 0 0 10,00,000 2,50,000 1,05,000 1,05,000 1,05,000
4 34 1,00,000 0 0 10,00,000 3,33,333 2,00,000 2,00,000 2,00,000
5 35 1,00,000 0 0 10,00,000 4,16,667 2,50,000 2,50,000 2,50,000
6 36 1,00,000 0 0 10,00,000 5,00,000 3,00,000 3,00,000 3,00,000
7 37 1,00,000 0 0 10,00,000 5,83,333 3,50,000 3,50,000 3,50,000
8 38 1,00,000 0 0 10,00,000 6,66,667 4,80,000 4,80,000 4,80,000
9 39 1,00,000 0 0 10,00,000 7,50,000 5,40,000 5,40,000 5,40,000
10 40 1,00,000 0 0 10,50,000 8,33,333 6,00,000 7,00,000 7,00,000
11 41 1,00,000 0 0 11,55,000 9,16,667 7,15,000 8,80,000 8,80,000
12 42 1,00,000 0 0 12,60,000 10,00,000 8,40,000 10,20,000 10,20,000
13 43 0 0 0 12,60,000 10,00,000 9,00,000 12,00,000 12,00,000
14 44 0 0 0 12,60,000 10,00,000 10,80,000 15,60,000 15,60,000
15 45 0 9,34,000 19,34,000 12,60,000 0 0 0 0

EOYe: End Of Policy Year EOTe: End Of Policy Term

^! In case of Death Benefit, the corresponding number in the 'Policy Year' column should be read as the Year in which Death happens at Year-End.
# In case of 'Paid-Up' Benefits, the corresponding number in the 'Policy Year' column should be read as the Number of Completed Years' Premiums Paid.
## In case of 'Surrender' Benefits, the corresponding number in the 'Policy Year' column should be read as the Year in which the Policy is Surrendered at Year-End.
Notes:
Annualized Premium excludes underwri ng extra premium, the premiums paid towards the riders, if any, and Goods & Service Tax. Refer Sales literature for
explanation of terms used in this illustration.

1
Quotation No : 50007307559

I, ___________________________ (name), have explained the premiums, charges I, ___________________________ (name), having received the informa on with
and benefits under the policy fully to the prospect / policyholder. respect to the above, have understood the above statement before entering
into the contract.

Place:
Date: Signature of Agent/ Intermediary/ Official Date: Signature of Prospect / Policyholder

Disclaimers:
1. The above information should be read in conjunction with the Sales Literature.
2. Further clarification can be sought by contacting company's sales representative or by sending an e-mail on [email protected].
3. Waiting Period:
Waiting period is the first 90 days from the date of acceptance of risk (date of issuance of policy).
In case of death during the waiting period other than due to an accident, only 100% of Total Premium* paid will be paid.
*Total Premiums paid is equal to (Annualized Premium * number of years for which premiums have been paid)
4. Death Benefit (Death of life assured during the policy term & if the policy is in-force for full sum assured):
Death during Waiting Period other than due to an Accident: Return of all premium/s paid till date.
Death during Wai ng Period due to Accident and Death a er Wai ng Period due to any cause: Sum Assured on Death as on date of death & policy will terminate on payment of
death benefit.
5. Maturity Benefit:
On survival of life assured to the maturity date, Guaranteed Sum Assured on Maturity* plus Guaranteed additions will be payable and policy will terminate on the maturity date.
*Guaranteed Sum Assured on Maturity and Sum Assured is 10 times the Annualized Premium.
6. Guaranteed Addition:
At the end of the policy term, on the maturity date, Guaranteed Addi ons as a mul ple of one (1) Annualised Premium, as per the table given below, will be a ached to the
policy; provided all the due premiums have been paid.
Age at Entry PT–PPT: 10-7 PT-PPT: 15-5 PT–PPT: 15-7 PT–PPT: 15-10 PT–PPT: 15-12
18 - 24 0.01 0.01 3.46 7.75 10.25
25 - 34 0.01 0.01 3.00 7.02 9.34
35 - 45 0.01 0.01 2.77 6.53 8.74
46 - 55 0.01 0.01 2.30 6.29 8.43
7. Surrender Benefit:
The surrender value receivable will be the higher of the Guaranteed Surrender Value (GSV) and the Special Surrender Value (SSV).
8. Goods & Service Tax (GST) would be payable as per applicable tax law.
9. All the benefits under this plan are guaranteed.
10. Premiums payable and benefits receivable would be eligible for tax benefits, as per the then existing tax laws.
This illustration should be read along with the product brochure for detailed terms and conditions.

Bajaj Allianz Life Insurance Co. Ltd.,

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006. Reg No.: 116.
Tel:(020) 66026777. Fax:(020) 66026789.
Email: [email protected]
www.bajajallianzlife.com

2
Benefit Illustration Proposal No.:

Name of the Prospect/Policyholder: Mr. Ashish Name of the Product: IndiaFirst Life Guaranteed Benefit Plan

Age: 31 Tag Line: A Non-Linked, Non-Participating, Limited Premium, Endowment Life Insurance Plan

Name of the Life Assured: Mr. Ashish Unique Identification No.: 143N056V02

Age: 31 GST Rate: 1st Year - 4.50% p.a.

2nd Year onwards - 2.25% p.a.

Policy Term: 16

Premium Paying Term: 7

GAP Period: NA

Income Period: NA

Amount of Installment Premium: 100000

Mode of payment of Premium: Yearly

Monthly Income: NA

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy.

Policy Details

Benefit Option Lumpsum Benefit Sum Assured on Maturity Rs. 1232780

Riders Opted No Sum Assured on Death (at inception of the policy) Rs. 1000000

Premium Summary

Base Plan Riders Total Instalment Premium

Instalment Premium without GST 100000 0 100000

Instalment Premium with First year GST 104500 0 104500

Instalment Premium with GST 2nd year Onwards 102250 0 102250

(Amounts in Rupees.)
Guaranteed Non Guaranteed
Policy Year Annualised Premium* Survival
Benefits/Loyalty Other Benefits Maturity Benefit Death Benefit Min Guaranteed Special Surrender Value
if any Surrender Value
Additions
1 100000 0 0 0 1000000 0 0
2 100000 0 0 0 1000000 70000 112798
3 100000 0 0 0 1000000 105000 182389
4 100000 0 0 0 1000000 200000 262180
5 100000 0 0 0 1000000 285000 353367
6 100000 0 0 0 1000000 396000 457271
7 100000 0 0 0 1000000 525000 575351
8 0 0 0 0 1000000 595000 620572
9 0 0 0 0 1000000 665000 669418
10 0 0 0 0 1000000 700000 722186
11 0 0 0 0 1000000 757890 779202
12 0 0 0 0 1000000 842100 840819
13 0 0 0 0 1000000 987362 907423
 13 0 0 0 0 1000000 987362 907423
14 0 0 0 0 1000000 1043502 979434
15 0 0 0 0 1000000 1101748 1057316
16 0 0 0 1232780 1000000 1163502 1141578

Notes
1. Please consult our 'Insurance Consultant' for any clarifications on this illustration.
2. Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and Goods and Services Tax.
3. Refer Sales Literature for explantion of terms used in illustration and more details on risk factors, exclusions and other terms and conditions about the product.
4. Premiums payable may be eligible for tax benefits as per prevailing tax laws (as applicable from time to time)
5. All benefits payable under the Policy are subject to the tax laws and other financial enactments, as applicable from time to time.
6. Surrender Value is payable provided first two years' premiums have been paid in full.
7. Surrender value, if any as per the above table, shall be higher of Min Guranteed Surrender Value and Special Surrender Value.
8. The Company declares that it may charge extra premium subject to underwriting of proposal before the acceptance of risk.
9. This benefit illustration has been generated basis my suitability assesment and on my confirmation the same has been proposed to me.

Request you to submit the following mandatory requirements along with the application form:
1) Address Proof
2) Age Proof
3) CDF
4) Cancelled Cheque Copy
5) General Correspondence
6) ID Proof
7) PAN Card
8) Partnership Declaration Document
9) Photograph
10) Physical ECS Mandate
11) Suitability
12) TIN Document

Disclaimer - IndiaFirst reserves the right to call for any additional documents/requirements basis the information provided by you in the application form.
The requirements stated herein are applicable only in case of the current application.
Any simultaneous application or previous applications may necessitate additional requirements by the Company.
Please get in touch with your BDM for scheduling of medicals if any. Self-attested AML / KYC documents for
the proposer / premium payor only are to be submitted.

IndiaFirst Life Insurance Company Ltd,12th and 13th floor, North [C] Wing, Tower 4, Nesco IT Park, Nesco Center,
Western Express Highway, Goregaon (East), Mumbai – 400 063. Website: www.indiafirstlife.com,
Toll Free No. : 1800 209 8700. IRDAI Regn No. 143. CIN: U66010MH2008PLC183679.