RATE CARD FOR POSP EFFECTIVE FROM SEPTEMBER 2025

Renewal
Plan Type Company Name Product PPT / Premium Rate
(2nd to PPT)
Bajaj Allianz Life Bajaj iSecure 10 & Above 41.5 2-3 Year – 2.25
Bajaj Allianz Life Bajaj iSecure 5 Pay 31.5 4 Yr to PPT – 1.5
ICICI Prudential Life IPRU Iprotect Smart_RP and iProtect Smart Plus 7 & Above 37.5
2-4 Years – 2.54
ICICI Prudential Life IPRU Iprotect Smart_RP and iProtect Smart Plus 6 Pay 33.5 5th Year – 1.90
6 Yr Onwards – 1.27
ICICI Prudential Life IPRU Iprotect Smart_RP and iProtect Smart Plus 5 Pay 27.5
ICICI Prudential Life IPRU Iprotect Smart_LP and iProtect Smart Plus 10 & Above 37.5 2.54
ICICI Prudential Life IPRU Iprotect Smart_LP and iProtect Smart Plus 7 Pay 37.5 1.90
ICICI Prudential Life IPRU Iprotect Smart_LP and iProtect Smart Plus 5 Pay 27.5 1.27
Term ICICI Prudential Life IPRU Iprotect Smart SP 1.5 -
HDFC Life Click 2 Protect Life 10 & Above 37.5
HDFC Life Click 2 Protect Life 7 – 9 Pay 27.5
1.50
HDFC Life Click 2 Protect Life 6 Pay 27.5
HDFC Life Click 2 Protect Life 5 Pay 27.5
TATA AIA Life Tata AIA Sampoorna Raksha Promise – Life Option including SRS Vitality Option – Digital Option 10 & Above 30
0.75
TATA AIA Life Tata AIA Sampoorna Raksha Promise – Life Option including SRS Vitality Option – Digital Option 5 Pay 20
TATA AIA Life Tata AIA Sampoorna Raksha Promise – Life Option including SRS Vitality Option 10 & Above 37.5
1.50
TATA AIA Life Tata AIA Sampoorna Raksha Promise – Life Option including SRS Vitality Option 5 Pay 27.5
TATA AIA Life Tata AIA Sampoorna Raksha Promise – Life Option including SRS Vitality Option SP 1.5 -

HDFC Life HDFC Life Sanchay Plus 6 & Above 32.5

2.25
HDFC Life HDFC Life Sanchay Plus 5 Pay 27.5
HDFC Life HDFC Life Sanchay Plus SP 1.5 -
HDFC Life HDFC Life Sanchay Plus Fixed Maturity Plan 6 & Above 32.5
0.75
HDFC Life HDFC Life Sanchay Plus Fixed Maturity Plan 5 Pay 27.5
HDFC Life HDFC Life Sanchay Plus Fixed Maturity Plan SP 1.5 -
HDFC Life HDFC Life Click 2 Protect Life_ROP & Income Plus 10 & Above 32.5
1.50
HDFC Life HDFC Life Click 2 Protect Life_ROP 5-9 Pay 18
HDFC Life HDFC Life Click 2 Protect Life_ROP SP 1.5 -
Bajaj Life POS Goal Suraksha 10 & Above 36.5
Bajaj Life POS Goal Suraksha (PT – 15 / 20) 8 Pay 32
Bajaj Life POS Goal Suraksha (PT – 15 / 20) 7 Pay 28 1.50
Bajaj Life POS Goal Suraksha (PT – 15 / 20) 6 Pay 24
Bajaj Life POS Goal Suraksha (PT – 15 / 20) 5 Pay 21
Bajaj Life Assured Wealth Goal Platinum_Smart Income 10 & Above 36.5
Bajaj Life Assured Wealth Goal Platinum_Smart Income 9 Pay 36
Bajaj Life Assured Wealth Goal Platinum_Smart Income 8 Pay 32
1.50
Bajaj Life Assured Wealth Goal Platinum_Smart Income 7 Pay 28
Bajaj Life Assured Wealth Goal Platinum_Smart Income 6 Pay 24
Bajaj Life Assured Wealth Goal Platinum_Smart Income 5 Pay 21
Bajaj Life Bajaj Allianz Life Guaranteed Wealth Goal (Income 25 | 30, SA 11x and above) 10 & Above 36.5
Bajaj Life Bajaj Allianz Life Guaranteed Wealth Goal (Income 25 | 30, SA 11x and above) 9 Pay 36
Bajaj Life Bajaj Allianz Life Guaranteed Wealth Goal (Income 25 | 30, SA 11x and above) 8 Pay 32
1.50
Bajaj Life Bajaj Allianz Life Guaranteed Wealth Goal (Income 25 | 30, SA 11x and above) 7 Pay 28
Bajaj Life Bajaj Allianz Life Guaranteed Wealth Goal (Income 25 | 30, SA 11x and above) 6 Pay 24
Bajaj Life Bajaj Allianz Life Guaranteed Wealth Goal (Income 25 | 30, SA 11x and above) 5 Pay 21
2-4 Yrs – 1.27
ICICI Prudential Life ICICI Prudential Assured Saving Income Plan 10 & Above 31 5 Yr – 0.64
6 yr to PPT – 0.32
2-3 Yrs – 1.27
ICICI Prudential Life ICICI Prudential Assured Saving Income Plan 8 Pay 31 4 Year – 0.64
5 yr to PPT – 0.32
2-3 Yrs – 1.27
ICICI Prudential Life ICICI Prudential Assured Saving Income Plan 7 Pay 31
4 yr to PPT – 0.32
ICICI Prudential Life ICICI Prudential Assured Saving Income Plan 6 Pay 0 -
Traditional #
ICICI Prudential Life ICICI Prudential Assured Saving Income Plan 5 Pay 0 -
2-4 Yrs – 1.27
ICICI Prudential Life ICICI Prudential Guaranteed Income For Tomorrow Pro 10 & Above 31 5 Yr – 0.64
6 yr to PPT – 0.32
2-4 Yrs – 1.27
ICICI Prudential Life ICICI Prudential Guaranteed Income For Tomorrow Pro 7-9 Pay 31 5 Yr – 0.64
6 yr to PPT – 0.32
ICICI Prudential Life ICICI Prudential Guaranteed Income For Tomorrow Pro 5-6 Pay 0 -
TATA AIA Life Tata AIA Life Guaranteed Return Insurance Plan 10 & Above 30
TATA AIA Life Tata AIA Life Guaranteed Return Insurance Plan 9 Pay 29
2nd year – 2.25
TATA AIA Life Tata AIA Life Guaranteed Return Insurance Plan 7-8 Pay 25 3rd Yrs to PPT – 0.75
TATA AIA Life Tata AIA Life Guaranteed Return Insurance Plan 6 Pay 23
TATA AIA Life Tata AIA Life Guaranteed Return Insurance Plan 5 Pay 20
TATA AIA Life Tata AIA Life Guaranteed Return Insurance Plan SP 1.5 -
TATA AIA Life TATA AIA Life Fortune Guarantee Plus including Supreme 12 & Above 30
TATA AIA Life TATA AIA Life Fortune Guarantee Plus including Supreme 10-11 Pay 29 2 year – 2.25
nd

TATA AIA Life TATA AIA Life Fortune Guarantee Plus including Supreme 7-9 Pay 28 3rd Yrs to PPT – 0.75
TATA AIA Life TATA AIA Life Fortune Guarantee Plus including Supreme 5-6 Pay 26
TATA AIA Life TATA AIA Life Fortune Guarantee Plus including Supreme SP 1.5 -
TATA AIA Life Tata AIA Life Sampoorna Raksha Promise – Life Plus – Digital Option 12 Pay & Above 25
TATA AIA Life Tata AIA Life Sampoorna Raksha Promise – Life Plus – Digital Option 6 -11 Pay 23 0.75
TATA AIA Life Tata AIA Life Sampoorna Raksha Promise – Life Plus – Digital Option 5 Pay 20
TATA AIA Life Tata AIA Life Sampoorna Raksha Promise – Life Plus 6 Pay & Above 32.5
1.50
TATA AIA Life Tata AIA Life Sampoorna Raksha Promise – Life Plus 5 Pay 27.5
TATA AIA Life Tata AIA Life Sampoorna Raksha Promise – Life Plus SP 1.5 -
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Def. Income 12 & Above 32.5
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Def. Income 10-11 Pay 32
2nd year – 2.25
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Def. Income 7-9 Pay 30
3rd Yrs to PPT – 0.75
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Def. Income 6 Pay 28
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Def. Income 5 Pay 23
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Def. Income SP 1.5 -
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Def. Income_Digital Booster Option 12 & Above 19
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Def. Income_Digital Booster Option 6-11 Pay 20 0.37
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Def. Income_Digital Booster Option 5 Pay 16
 Renewal
Plan Type Company Name Product PPT / Premium Rate
(2nd to PPT)
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Immediate Income 12 & Above 32.5
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Immediate Income 10-11 Pay 32
2nd year – 2.25
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Immediate Income 7-9 Pay 30 3rd Yrs to PPT – 0.75
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Immediate Income 6 Pay 28
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Immediate Income 5 Pay 26
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Immediate Income SP 1.5 -
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Immediate Income_Digital Booster Option 12 & above 23
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Immediate Income_Digital Booster Option 10-11 Pay 24 0.37
TATA AIA Life TATA AIA Life Fortune Guarantee Secure_Immediate Income_Digital Booster Option 5-9 Pay 20
Axis Max Life Max Life Smart Wealth Advantage Guarantee_VIBE_Insta Wealth, Insta Wealth 50% & Boost 10 Pay & Above 32
1.50
Axis Max Life Max Life Smart Wealth Advantage Guarantee_VIBE_Insta Wealth 50% 7-8 Pay 29
Axis Max Life Max Life Smart Wealth Advantage Guarantee 10 & above 32.5
Traditional # Axis Max Life Max Life Smart Wealth Advantage Guarantee 8 Pay 30
Axis Max Life Max Life Smart Wealth Advantage Guarantee 6 Pay 24
1.50
Axis Max Life Max Life Smart Wealth Advantage Guarantee_Short Term Income, WM 6 Pay 8
Axis Max Life Max Life Smart Wealth Advantage Guarantee other than below 5 Pay 24
Axis Max Life Max Life Smart Wealth Advantage Guarantee EW, LS, STI, WM 5 Pay 6
Axis Max Life Max Life Smart Wealth Advantage Guarantee Elite Plan 10 Pay & Above 32.5
Axis Max Life Max Life Smart Wealth Advantage Guarantee Elite Plan 8 Pay 30 1.50
Axis Max Life Max Life Smart Wealth Advantage Guarantee Elite Plan 5-7 Pay 24
Axis Max Life Max Life Smart Wealth Plan 10 & Above 27
Axis Max Life Max Life Smart Wealth Plan 8-9 Pay 26
1.50
Axis Max Life Max Life Smart Wealth Plan 6-7 Pay 25
Axis Max Life Max Life Smart Wealth Plan 5 Pay 21

Plan Type Company Name Product Sum Insured Year Rate

TATA AIG Gen TATA Criti Medicare 5 Lacs & above 1 Year Policy
TATA AIG Gen TATA Medicare Plus (Super Top Up) 5 Lacs & above 1 Year Policy 25
TATA AIG Gen Tata Medicare Premier and Health Super charge & PA Plans (Except IPA) 5 Lacs & above 1 Year Policy
TATA AIG Gen TATA Medicare and Select (Except Medicare Protect) 5 Lacs & above 1 Year Policy 22
TATA AIG Gen TATA Criti Medicare 5 Lacs & above 2 Year Policy
TATA AIG Gen TATA Medicare Plus (Super Top Up) 5 Lacs & above 2 Year Policy 19
TATA AIG Gen Tata Medicare Premier and Health Super charge & PA Plans (Except IPA) 5 Lacs & above 2 Year Policy
TATA AIG Gen TATA Medicare and Select (Except Medicare Protect) 5 Lacs & above 2 Year Policy 17
TATA AIG Gen TATA Criti Medicare 5 Lacs & above 3 Year Policy
TATA AIG Gen TATA Medicare Plus (Super Top Up) 5 Lacs & above 3 Year Policy 16
TATA AIG Gen Tata Medicare Premier and Health Super charge & PA Plans (Except IPA) 5 Lacs & above 3 Year Policy
TATA AIG Gen TATA Medicare and Select (Except Medicare Protect) 5 Lacs & above 3 Year Policy 15
TATA AIG Gen TATA Health Plans & IPA Up to 5 Lacs - 9
TATA AIG Gen TATA Medicare Protect - - 0
Care Health & PA Plans including Supreme Super Saver
Care Health - - 24
(Except Super Mediclaim, Arogya,Joy & Supreme_Value)**
Care Health Care Classic*** - - 22
Care Health Care Supreme Enhance - 18
Care Health Care Super Mediclaim, Arogya, Joy & Supreme_Value - - 8
HDFC Ergo General HDFC Ergo Health Plans & PA Plans - - 24
Manipal Cigna Manipalcigna Prime - 1 Year 25
Manipal Cigna Manipalcigna Prohealth including Sarvah & PA Plans - 1 Year 25
Manipal Cigna Manipalcigna – Top Up - 1 Year 20
Manipal Cigna Manipalcigna – Prime Senior - 1 Year 14
Manipal Cigna Manipalcigna Prime - 2 Year 22
Health and PA Manipal Cigna Manipalcigna Prohealth including Sarvah & PA Plans - 2 Year 22
Fresh Manipal Cigna Manipalcigna – Top Up - 2 Year 15
Manipal Cigna Manipalcigna – Prime Senior - 2 Year 11
Manipal Cigna Manipalcigna Prime - 3 Year 21
Manipal Cigna Manipalcigna Prohealth including Sarvah & PA Plans - 3 Year 21
Manipal Cigna Manipalcigna – Top Up - 3 Year 14
Manipal Cigna Manipalcigna – Prime Senior - 3 Year 10
ICICI Lombard ICICI Lombard Health & PA Plans Except Aarogya Sanjeevani 5 Lacs - 24
ICICI Lombard ICICI Lombard Health & PA Plans Except Aarogya Sanjeevani Up to 5 Lacs - 9
Iffco tokio Iffco tokio Health & PA Plans Excluding IMI, SKP and MOS Bite up to 3 Lacs - 8
Iffco tokio Iffco tokio Health & PA Plans Excluding IMI, SKP and MOS Bite 3 to 4 Lacs - 16
Iffco tokio Iffco tokio Health & PA Plans Excluding IMI, SKP and MOS Bite 5 Lacs - 22
Iffco tokio Iffco Tokio Critical Illness Plans - - 8
Iffco tokio Iffco tokio IMI, SKP and MOS Bite - - 0
Niva Bupa Niva Bupa Health & PA Plans including Senior First 5 Lacs - 23
Niva Bupa Niva Bupa – Re Assured 2.0 Gold and Bronze 5 Lacs - 18
Niva Bupa Niva Bupa – All Healh Plans Up to 5 Lacs - 9
Bajaj Allianz General Bajaj Health Plans Except Health Ensure 5 Lacs - 19
Bajaj Allianz General Bajaj Health Plans Except Health Ensure 2 Lacs to 4.99 Lacs - 8
Bajaj Allianz General Bajaj Health Plans Except Health Ensure Below 2 Lacs - 0
Bajaj Allianz General Bajaj Health Ensure - - 5
Bajaj Allianz General Bajaj PA Plans - - 21
Star Health Star Health & PA Plans - - 22
Aditya Birla Health ABHI Health & PA Plans - - 8
Go Digit Go Digit Health Plans - - 13
Remaining Companies Other than above - - 0

HDFC Ergo General HDFC Health Plans & PA Plans - 15

Manipal Cigna Manipalcigna Health & PA Plans Except Prime Senior - 15
Manipal Cigna Manipalcigna Prime Senior - 12
Care Health & PA Plans including Supreme Super Saver
Care Health - 15
(Except Super Mediclaim, Arogya,Joy & Supreme_Value)**
Care Health Care Classic & Care Enhanced*** - 11
Care Health Care Super Mediclaim, Arogya, Joy & Supreme_Value 9
Niva Bupa Niva Bupa Health & PA Plans - 15
Niva Bupa Niva Bupa – Re Assured 2.0 Gold and Bronze 12
Health and PA TATA AIG Gen TATA Health & PA Plans (Except IPA) 5 Lacs 15
Renewal TATA AIG Gen TATA Health & PA Plans (Incl. IPA) Up to 5 Lacs 9
(Insured Age Bajaj Allianz General Bajaj PA Plans - 15
- Below 60) Bajaj Allianz General Bajaj Health Plans Except Health Ensure - 15
Bajaj Allianz General Bajaj Health Ensure - 6
ICICI Lombard ICICI Lombard Health & PA Plans Except Aarogya Sanjeevani 5 Lacs 15
ICICI Lombard ICICI Lombard Health & PA Plans Except Aarogya Sanjeevani Up to 5 Lacs 9
Star Health Star Health & PA Plans - 15
Aditya Birla Health ABHI Health & PA Plans - 0
Iffco tokio Iffco tokio Health & PA Plans Excluding IMI, SKP and MOS Bite - 7
Iffco tokio Iffco tokio IMI, SKP and MOS Bite - 0
Go Digit Go Digit Health Plans - 9
Remaining Companies Other than above - 0
 Plan Type Company Name Product Sum Insured Year Rate
Health and PA All Companies In Any Policy, if Insured’s Age is 60 & Above - 7
Renewal
Iffco tokio Iffco tokio CI, IM, IMI, SKP and MOS Bite - 0
(Insured Age –
60 & Above) SBI Gen Aarogya Plans - 0

Health Renewal Niva Bupa Niva Bupa – All Healh Plans except Re Assured 2.0 Gold and Bronze - 9
of Previous
Port Niva Bupa Niva Bupa – Re Assured 2.0 Gold and Bronze - 6

Rider Bajaj Allianz Health Prime Rider - 0

Niva Bupa Niva Bupa 27
Care Health Care Health*** 26
Bajaj Allianz General Bajaj 31
Travel HDFC Ergo General HDFC Ergo 26
TATA AIG Gen Tata 24
Remaining Companies Other than above 9

Bajaj Allianz General Refer Annexure A

Go Digit Refer Annexure B
ICICI Lombard Refer Annexure D
Motor CV
TATA AIG Gen Refer Annexure E
HDFC Ergo General Refer Annexure G - NEW
Remaining Companies Other than above 10

Bajaj Allianz General Refer Annexure A

Go Digit Refer Annexure B
ICICI Lombard Refer Annexure D
HDFC Ergo General Refer Annexure E
TP Only HDFC Ergo General Commercial Vehicle TP only - Refer Annexure G – NEW
(CVTP, SATP) HDFC Ergo General Two Wheeler Bike 0
TATA AIG Gen Refer Annexure E
Iffco tokio Private Car TP Only 0
Iffco tokio Commercial Vehicle TP Only (Haryana, UP and Karnataka) 0
Remaining Companies Other than above 0.88

Plan Type Company Name Product Discount Package OD Only

HDFC Ergo General HDFC Ergo other than Used and Roll Over Case 21 17
HDFC Ergo General HDFC Ergo Used and Roll Over Case 21 13
Future Generali FG Comprehensive & OD Only 8 8
Iffco tokio Iffco Comprehensive & OD Only 10 10
Bajaj Allianz General Annexure – A
Motor Pvt Car
Go Digit Annexure B
Royal Annexure C
ICICI Lombard Annexure E
TATA AIG Gen Annexure F
Remaining Companies Other than above 10 10

HDFC Ergo General HDFC Ergo Except Two Wheeler Bike (On Net Premium) (With CPA) 18 15
HDFC Ergo General HDFC Ergo Except Two Wheeler Bike (On Net Premium) (Without CPA) 15 15
HDFC Ergo General HDFC Ergo Two Wheeler Bike 0 0
Bajaj Allianz General Annexure A
Go Digit Annexure B
Motor 2
Royal Annexure C
Wheeler
Iffco tokio Annexure D
ICICI Lombard Annexure E
TATA AIG Gen Annexure F
Future Generali FG 9 9
Remaining Companies Other than above 12 10

Terms & Conditions:

1 The payable rates will be issued only for Inforce Plans
2 The payable rates will be reversed for Rejected Plans
3 The payable rate will be issued on Net Issued Premium and on OD in Motor Comprehensive Policy
4 In Case of Annexures and conditions, Points will be processed in the next month.
5 Above given Rates are for Normal Category.
6 Upgraded Rates in addition to Normal rate for other categories are as under:
Health and PA
Category Other Than Health and PA Renewal Renewal
Silver 5% of Normal Rate -
Gold 10% of Normal Rate 10% of Normal Rate
Platinum 15% of Normal Rate 10% of Normal Rate
Titanium 20% of Normal Rate 10% of Normal Rate
7 Upgraded Rates will be given on all plan types except Life Renewal and Port Cases.
8 *In Iffco tokio, rate will be given on Net premium excluding CPA premium.
9 In Care Health, HDFC Ergo and Star Health, No Commission will be paid on all Renewal when policy is shifted from Other Broker/Agent.
10 In Royal, Diesal Vehicle and High end Vehicle EP may vary or Zero depend upon Rate Received from Insurance Company.
11 In Go Digit, Diesal Vehicle and High end Vehicle EP may vary depend upon Rate Received from Insurance Company. (HEV – IDV above 40 Lacs)
12 In case of Multi Individual Health Policies, Per Person Sum Insured will be considered for EP Processing.
13 # For Traditional and Annuity Plans issued from 01-10-2024 - If Policy is Lapsed or surrendered within 24 months from the Risk Start Date, we will claw back entire EP.
For Example : Policy – XYZ Issued Date 05/10/2024 and Risk Date - 06/10/2024
Risk Start Date Premium Paid till Date No of Months Policy Status Claw Back Applicable
06/10/24 06/06/25 8 Lapsed Yes
06/10/24 06/11/25 13 Lapsed Yes
06/10/24 02/10/26 24 Surrendered Yes
06/10/24 06/11/26 25 Inforce No

14 # # For General Insurance Multiyear Fresh, Rollover and Renewal policies, EP will be processed on a deferment basis throughout the policy's tenure.

For Example : Policy of 3 Year Renewal and Rate is of 20%

Policy Plan Policy Term Premium
12345 Health 3 30000
Points Processing:
Oct 24
Year Due Date Till Sep 24 Processing Month
Onwards
1 06/10/24 6000 2000 Oct 24
2 06/10/25 - 2000 Oct 25
3 06/10/26 - 2000 Oct 26
15 Points are subject to revision