Insuremile
IRDAI/I NTAII/BA/51/2018
CIN: U72900KA2018PTC110119

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Policyholder has to fill up an `Application form/ proposal form with accurate medical history and submit KYC documents.

Guaranteed Loyalty Additions @ 0.3% of the Fund Value are added from the11th year and increase @ 0.02% every year thereafter The insured will get the total Fund Value on Maturity which can be taken in instalments over a period of 5 years through the Settlement Option On death of the policyholder, higher of the Sum Assured or Fund Value subject to a minimum of 105% of all premiums paid till death is payable Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.

Details about Premium Annual Premium in Rupees and Benefit Illustration for a term and PPT of 20 years Policy Details Grace Period: 15 days grace is allowed for premium payment in monthly mode and 30 days in annual mode failing which the policy lapses Policy Termination or Surrender Benefit: Policyholder is allowed to surrender the policy after 5 completed years. If surrendered before 5 years, the fund value net of discontinuation charge will be credited to the Linked Discontinued Policy Fund where it will earn a minimum of 4% p.a. growth. After completion of 5 years, the fund value in the Discontinued Policy fund as on that date will be paid to the policyholder. If surrendered after 5 completed policy years, the entire Fund value on the date of surrender is paid without any charges Free Look Period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim. Inclusions 2 free Partial withdrawals are allowed every year after 5 completed policy years with a minimum value of Rs.5,000 12 free Switches are allowed every year for switching between funds 6 free Premium Redirections are allowed every year for redirecting future premiums into another fund Exclusions The benefit paid in case of suicide within 12 months of policy inception or revival is the fund value as on that date.

Introduction/Overview Fast Track Super Plan is a Unit Linked Insurance plan providing the dual benefit of capital appreciation through market linked returns and life insurance coverage. Key Features It is a unit linked plan with Single Pay, Limited Pay and Regular Pay option of premium payment Guaranteed Loyalty Additions are added in Regular pay plans There is an option of Systematic Transfer plan (STP) which utilizes the concept of rupee cost averaging Under the STP option, the premium net of charges is first allocated to Secure Plus Fund and every month thereafter, a portion of the fund is transferred to Growth Super Fund Under the Dynamic Fund Allocation option, the funds are initially maintained in Growth Super Fund and gradually transferred to Secure Fund towards policy maturity. This option maintains a specified ratio of fund value in Growth Super and Secure Fund which changes with increasing policy term The following funds are available for investment with Secure Plus Fund available only for STP option Growth Super Fund Growth Fund Balanced Fund Conservative Fund Secure Fund