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IndiaFirst Life Insurance Company offers a range of traditional / Investment plans to its customers to meet all their savings and protection related needs. Let us take a look at the different types of traditional / investment plans offered by IndiaFirst and the features and benefits of each of them in details. IndiaFirstMaha Jeevan Plan A traditional Endowment Assurance Plan which creates savings and also provides life insurance protection. The features and benefits of the plan are as follows: The plan participates in the profits of the company by way of earning bonuses Premiums under the plan are payable for the entire tenure of the plan On maturity, the Guaranteed Sum Assured on maturity is paid along with the simple reversionary bonuses and any Terminal Bonus In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Guaranteed Sum Assured on maturity or 10/7 times the annual premium paid depending on the age of the policyholder subject to a minimum of 105% of all premiums paid till the date of death along with the accrued reversionary bonus and any Terminal Bonus IndiaFirst Term Rider is available for a more comprehensive coverage. Loans are available up to a maximum of 90% of the Surrender Value Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst CSC ShubhLabh Plan A traditional variable insurance plan which promises good returns and life insurance protection. The features and benefits of the plan are as follows: Premiums under the plan are payable for the entire tenure of the plan The plan can be bought through Common Service Centers by providing name and Aadhar number The premiums paid are invested in an Account where they grow A Guaranteed Floor Rate of 1% is added to the Account Value every year In the first five years, a guaranteed interest is added to the account @4% and the rate reduces to 0.5% from the 6th year onwards On maturity the maturity benefit paid is higher of the Account Value or the aggregate premiums paid including any top-up premiums paid less partial withdrawals made compounded @1% per annum till maturity date In case of death of the insured during the plan tenure, higher of the Sum Assured or the Account Value or the aggregate premiums paid including any top-up premiums paid less partial withdrawals made compounded @1% per annum till death is paid subject to a minimum of 105% of all premium paid till death Partial withdrawals can be done after 5 completed policy year with a minimum value of Rs.1000 Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst Cash Back Plan A traditional money back plan which provides lump sum payouts at specific intervals along with providing life insurance coverage. The features and benefits of the plan are as follows: Premiums under the plan are payable for a limited tenure only under the Limited Pay option of premium payment. Guaranteed Additions accrue under the plan the rate of which depends on the tenure of the plan. The additions are calculated as a percentage of the annual premium paid and are 5% for a 9 year term, 6% for a 12 year term and 7% for a 15 year term In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Sum Assured on maturity or 10times the annual premium paid or 105% of all premiums paid till the date of death along with the accrued guaranteed additions till death Money back benefits accrue @20% of the Sum Assured and are paid twice during the tenure depending on the term chosen. For a 9 year term, the benefit is paid in the 3rd and the 6th policy year, for a 12 year term it is paid in the 4th and 8th year and for a 15 year term it is paid in the 5th and 10th year. On maturity, the remaining 60% of the Sum Assured is paid along with the accrued Guaranteed Additions Discounts are allowed in premiums for choosing higher levels of Sum Assured of Rs.1 lakh and above Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst Simple Benefit Plan A traditional Endowment Assurance plan for savings and protection purposes. The features and benefits of the plan are as follows: The plan participates in the profits of the company by way of earning bonuses Premiums under the plan are payable for the entire tenure of the plan On maturity, the Sum Assured is paid along with the simple reversionary bonuses and any Terminal Bonus In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Sum Assured or 10 times the annual premium paid subject to a minimum of 105% of all premiums paid till the date of death along with the accrued reversionary bonus and any Terminal Bonus Loans are available up to a maximum of 90% of the Surrender Value Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.

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1. How to pay premium? What are the modes of payment available? INDIAFIRST Life Insurance offers the following modes of payment for paying premium namely: Online Credit card/Debit Card Electronic Clearing system(ECS) Cash or cheque For ECS you must register beforehand by duly signing and submitting the ECS form. This facility is available in select cities only. Alternatively, you can drop in cash or cheque at your nearest branch in the city. 2. How can I check policy status for IndiaFirst Life traditional plans? To check the policy status login to your IndiaFirst Account with the designated User ID and password this is directly linked with your policy number. After login in a detailed tab will be displayed this contains all the relevant data related to your policy. 3. What is the policy renewal process for IndiaFirst Life traditional plans? For policy renewal process, login into your account and select the online payment for renewal policy. You can also select the ECS or the Auto debit option for paying the premium had you initially signed up for the policy. You can approach the nearest branch office and fill in the required forms, attaching the mandatory documents to get the policy renewed. 4. What is the companys process to settle claim for IndiaFirst Life traditional plans? INDIAFIRST Life Insurancehas a clear and transparent process for settling claims. You must intimate the company about the incident within one week of it occurrence. There are different options available for intimation such as: Online By couriering the details Approaching us via Advisor. Contacting us at any of our branch office. A set of documents as listed in the website needs to be submitted to the company. Upon receipt of the same, the claim is settled within15 days time period. 5. What is the policy cancellation process for IndiaFirst Life traditional plans? In order to cancel a policy, you can fill in the required form and submit it to the nearest branch office along with the surrender charges as mentioned in the policy. For new users, a period of about 15 days is allotted wherein one has the option to surrender the policy in case deemed necessary.

The company offers specific plans which are available online only. The customer only needs to log into the companys website, choose the required plan, choose the coverage and provide the details. The premium will be determined using the filled details. The customer then needs to pay the premium online through credit card, debit card or net banking facilities and the policy will be issued Intermediaries Plans which are not available online can be purchased from agents, brokers, banks, etc. where the intermediaries help with the application process. Applying For Traditional Insurance through PolicyBazaar On the PolicyBazaar homepage, click on Traditional Insurance under the Personal tab. Click New Quotes to compare and choose from top insurance providers. Fill your date of birth (DOB), whether you are a smoker/non-smoker, and the payout amount. On the basis of your payout amount, you will get an estimate of your premium. Next click Continue. Fill in your name, email address, city, country code, and mobile number. Click Continue. You will be taken to the Life Insurance quotes page where you will see life insurance quotes of more than 10 insurers. Next, choose the plan as per payment schedule – One Time Payout and Monthly Payout Plans. After reviewing and comparing each life insurance quote, click the premium amount to buy the desired plan. You will see a pop-up on the screen which will give you an overview of the chosen plan like premium, plan features, exclusions, additional riders, etc. Click Proceed. This will take you to the insurers website. Fill in the necessary details to buy the plan.

Traditional plans, also called Conventional Insurance Plans are plans where money is invested as per the guidelines laid down in the Insurance Act. The whereabouts of the invested premium is not known to the policyholder. The policyholder is simply promised certain benefits payable on death, maturity or as money back. Traditional Investment Plans have some of the basic features which are mentioned below: These plans are issued for a longer term perspective and money cannot be withdrawn from the plans. In case of stopping the premium payment, the plan becomes paid-up if at least three full years premiums have been paid. A paid-up plan has a reduced Sum Assured and the policyholder has a choice to either run the plan at the reduced coverage or surrender the plan. The plans may be offered as participating or non-participating plans. Participating plans are entitled to participate in the companys profits and earn bonuses which are not true for non-participating plans. The plans may be issued either as Endowment Plans or Money Back Planse

IndiaFirst Life Insurance Company offers a range of traditional / Investment plans to its customers to meet all their savings and protection related needs. Let us take a look at the different types of traditional / investment plans offered by IndiaFirst and the features and benefits of each of them in details. IndiaFirstMaha Jeevan Plan A traditional Endowment Assurance Plan which creates savings and also provides life insurance protection. The features and benefits of the plan are as follows: The plan participates in the profits of the company by way of earning bonuses Premiums under the plan are payable for the entire tenure of the plan On maturity, the Guaranteed Sum Assured on maturity is paid along with the simple reversionary bonuses and any Terminal Bonus In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Guaranteed Sum Assured on maturity or 10/7 times the annual premium paid depending on the age of the policyholder subject to a minimum of 105% of all premiums paid till the date of death along with the accrued reversionary bonus and any Terminal Bonus IndiaFirst Term Rider is available for a more comprehensive coverage. Loans are available up to a maximum of 90% of the Surrender Value Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst CSC ShubhLabh Plan A traditional variable insurance plan which promises good returns and life insurance protection. The features and benefits of the plan are as follows: Premiums under the plan are payable for the entire tenure of the plan The plan can be bought through Common Service Centers by providing name and Aadhar number The premiums paid are invested in an Account where they grow A Guaranteed Floor Rate of 1% is added to the Account Value every year In the first five years, a guaranteed interest is added to the account @4% and the rate reduces to 0.5% from the 6th year onwards On maturity the maturity benefit paid is higher of the Account Value or the aggregate premiums paid including any top-up premiums paid less partial withdrawals made compounded @1% per annum till maturity date In case of death of the insured during the plan tenure, higher of the Sum Assured or the Account Value or the aggregate premiums paid including any top-up premiums paid less partial withdrawals made compounded @1% per annum till death is paid subject to a minimum of 105% of all premium paid till death Partial withdrawals can be done after 5 completed policy year with a minimum value of Rs.1000 Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst Cash Back Plan A traditional money back plan which provides lump sum payouts at specific intervals along with providing life insurance coverage. The features and benefits of the plan are as follows: Premiums under the plan are payable for a limited tenure only under the Limited Pay option of premium payment. Guaranteed Additions accrue under the plan the rate of which depends on the tenure of the plan. The additions are calculated as a percentage of the annual premium paid and are 5% for a 9 year term, 6% for a 12 year term and 7% for a 15 year term In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Sum Assured on maturity or 10times the annual premium paid or 105% of all premiums paid till the date of death along with the accrued guaranteed additions till death Money back benefits accrue @20% of the Sum Assured and are paid twice during the tenure depending on the term chosen. For a 9 year term, the benefit is paid in the 3rd and the 6th policy year, for a 12 year term it is paid in the 4th and 8th year and for a 15 year term it is paid in the 5th and 10th year. On maturity, the remaining 60% of the Sum Assured is paid along with the accrued Guaranteed Additions Discounts are allowed in premiums for choosing higher levels of Sum Assured of Rs.1 lakh and above Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst Simple Benefit Plan A traditional Endowment Assurance plan for savings and protection purposes. The features and benefits of the plan are as follows: The plan participates in the profits of the company by way of earning bonuses Premiums under the plan are payable for the entire tenure of the plan On maturity, the Sum Assured is paid along with the simple reversionary bonuses and any Terminal Bonus In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Sum Assured or 10 times the annual premium paid subject to a minimum of 105% of all premiums paid till the date of death along with the accrued reversionary bonus and any Terminal Bonus Loans are available up to a maximum of 90% of the Surrender Value Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.

IndiaFirst Life Insurance Company offers a range of traditional / Investment plans to its customers to meet all their savings and protection related needs. Let us take a look at the different types of traditional / investment plans offered by IndiaFirst and the features and benefits of each of them in details. IndiaFirstMaha Jeevan Plan A traditional Endowment Assurance Plan which creates savings and also provides life insurance protection. The features and benefits of the plan are as follows: The plan participates in the profits of the company by way of earning bonuses Premiums under the plan are payable for the entire tenure of the plan On maturity, the Guaranteed Sum Assured on maturity is paid along with the simple reversionary bonuses and any Terminal Bonus In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Guaranteed Sum Assured on maturity or 10/7 times the annual premium paid depending on the age of the policyholder subject to a minimum of 105% of all premiums paid till the date of death along with the accrued reversionary bonus and any Terminal Bonus IndiaFirst Term Rider is available for a more comprehensive coverage. Loans are available up to a maximum of 90% of the Surrender Value Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst CSC ShubhLabh Plan A traditional variable insurance plan which promises good returns and life insurance protection. The features and benefits of the plan are as follows: Premiums under the plan are payable for the entire tenure of the plan The plan can be bought through Common Service Centers by providing name and Aadhar number The premiums paid are invested in an Account where they grow A Guaranteed Floor Rate of 1% is added to the Account Value every year In the first five years, a guaranteed interest is added to the account @4% and the rate reduces to 0.5% from the 6th year onwards On maturity the maturity benefit paid is higher of the Account Value or the aggregate premiums paid including any top-up premiums paid less partial withdrawals made compounded @1% per annum till maturity date In case of death of the insured during the plan tenure, higher of the Sum Assured or the Account Value or the aggregate premiums paid including any top-up premiums paid less partial withdrawals made compounded @1% per annum till death is paid subject to a minimum of 105% of all premium paid till death Partial withdrawals can be done after 5 completed policy year with a minimum value of Rs.1000 Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst Cash Back Plan A traditional money back plan which provides lump sum payouts at specific intervals along with providing life insurance coverage. The features and benefits of the plan are as follows: Premiums under the plan are payable for a limited tenure only under the Limited Pay option of premium payment. Guaranteed Additions accrue under the plan the rate of which depends on the tenure of the plan. The additions are calculated as a percentage of the annual premium paid and are 5% for a 9 year term, 6% for a 12 year term and 7% for a 15 year term In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Sum Assured on maturity or 10times the annual premium paid or 105% of all premiums paid till the date of death along with the accrued guaranteed additions till death Money back benefits accrue @20% of the Sum Assured and are paid twice during the tenure depending on the term chosen. For a 9 year term, the benefit is paid in the 3rd and the 6th policy year, for a 12 year term it is paid in the 4th and 8th year and for a 15 year term it is paid in the 5th and 10th year. On maturity, the remaining 60% of the Sum Assured is paid along with the accrued Guaranteed Additions Discounts are allowed in premiums for choosing higher levels of Sum Assured of Rs.1 lakh and above Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst Simple Benefit Plan A traditional Endowment Assurance plan for savings and protection purposes. The features and benefits of the plan are as follows: The plan participates in the profits of the company by way of earning bonuses Premiums under the plan are payable for the entire tenure of the plan On maturity, the Sum Assured is paid along with the simple reversionary bonuses and any Terminal Bonus In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Sum Assured or 10 times the annual premium paid subject to a minimum of 105% of all premiums paid till the date of death along with the accrued reversionary bonus and any Terminal Bonus Loans are available up to a maximum of 90% of the Surrender Value Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.

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1. How to pay premium? What are the modes of payment available? INDIAFIRST Life Insurance offers the following modes of payment for paying premium namely: Online Credit card/Debit Card Electronic Clearing system(ECS) Cash or cheque For ECS you must register beforehand by duly signing and submitting the ECS form. This facility is available in select cities only. Alternatively, you can drop in cash or cheque at your nearest branch in the city. 2. How can I check policy status for IndiaFirst Life traditional plans? To check the policy status login to your IndiaFirst Account with the designated User ID and password this is directly linked with your policy number. After login in a detailed tab will be displayed this contains all the relevant data related to your policy. 3. What is the policy renewal process for IndiaFirst Life traditional plans? For policy renewal process, login into your account and select the online payment for renewal policy. You can also select the ECS or the Auto debit option for paying the premium had you initially signed up for the policy. You can approach the nearest branch office and fill in the required forms, attaching the mandatory documents to get the policy renewed. 4. What is the companys process to settle claim for IndiaFirst Life traditional plans? INDIAFIRST Life Insurancehas a clear and transparent process for settling claims. You must intimate the company about the incident within one week of it occurrence. There are different options available for intimation such as: Online By couriering the details Approaching us via Advisor. Contacting us at any of our branch office. A set of documents as listed in the website needs to be submitted to the company. Upon receipt of the same, the claim is settled within15 days time period. 5. What is the policy cancellation process for IndiaFirst Life traditional plans? In order to cancel a policy, you can fill in the required form and submit it to the nearest branch office along with the surrender charges as mentioned in the policy. For new users, a period of about 15 days is allotted wherein one has the option to surrender the policy in case deemed necessary.

The company offers specific plans which are available online only. The customer only needs to log into the companys website, choose the required plan, choose the coverage and provide the details. The premium will be determined using the filled details. The customer then needs to pay the premium online through credit card, debit card or net banking facilities and the policy will be issued Intermediaries Plans which are not available online can be purchased from agents, brokers, banks, etc. where the intermediaries help with the application process. Applying For Traditional Insurance through PolicyBazaar On the PolicyBazaar homepage, click on Traditional Insurance under the Personal tab. Click New Quotes to compare and choose from top insurance providers. Fill your date of birth (DOB), whether you are a smoker/non-smoker, and the payout amount. On the basis of your payout amount, you will get an estimate of your premium. Next click Continue. Fill in your name, email address, city, country code, and mobile number. Click Continue. You will be taken to the Life Insurance quotes page where you will see life insurance quotes of more than 10 insurers. Next, choose the plan as per payment schedule – One Time Payout and Monthly Payout Plans. After reviewing and comparing each life insurance quote, click the premium amount to buy the desired plan. You will see a pop-up on the screen which will give you an overview of the chosen plan like premium, plan features, exclusions, additional riders, etc. Click Proceed. This will take you to the insurers website. Fill in the necessary details to buy the plan.

Traditional plans, also called Conventional Insurance Plans are plans where money is invested as per the guidelines laid down in the Insurance Act. The whereabouts of the invested premium is not known to the policyholder. The policyholder is simply promised certain benefits payable on death, maturity or as money back. Traditional Investment Plans have some of the basic features which are mentioned below: These plans are issued for a longer term perspective and money cannot be withdrawn from the plans. In case of stopping the premium payment, the plan becomes paid-up if at least three full years premiums have been paid. A paid-up plan has a reduced Sum Assured and the policyholder has a choice to either run the plan at the reduced coverage or surrender the plan. The plans may be offered as participating or non-participating plans. Participating plans are entitled to participate in the companys profits and earn bonuses which are not true for non-participating plans. The plans may be issued either as Endowment Plans or Money Back Planse

IndiaFirst Life Insurance Company offers a range of traditional / Investment plans to its customers to meet all their savings and protection related needs. Let us take a look at the different types of traditional / investment plans offered by IndiaFirst and the features and benefits of each of them in details. IndiaFirstMaha Jeevan Plan A traditional Endowment Assurance Plan which creates savings and also provides life insurance protection. The features and benefits of the plan are as follows: The plan participates in the profits of the company by way of earning bonuses Premiums under the plan are payable for the entire tenure of the plan On maturity, the Guaranteed Sum Assured on maturity is paid along with the simple reversionary bonuses and any Terminal Bonus In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Guaranteed Sum Assured on maturity or 10/7 times the annual premium paid depending on the age of the policyholder subject to a minimum of 105% of all premiums paid till the date of death along with the accrued reversionary bonus and any Terminal Bonus IndiaFirst Term Rider is available for a more comprehensive coverage. Loans are available up to a maximum of 90% of the Surrender Value Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst CSC ShubhLabh Plan A traditional variable insurance plan which promises good returns and life insurance protection. The features and benefits of the plan are as follows: Premiums under the plan are payable for the entire tenure of the plan The plan can be bought through Common Service Centers by providing name and Aadhar number The premiums paid are invested in an Account where they grow A Guaranteed Floor Rate of 1% is added to the Account Value every year In the first five years, a guaranteed interest is added to the account @4% and the rate reduces to 0.5% from the 6th year onwards On maturity the maturity benefit paid is higher of the Account Value or the aggregate premiums paid including any top-up premiums paid less partial withdrawals made compounded @1% per annum till maturity date In case of death of the insured during the plan tenure, higher of the Sum Assured or the Account Value or the aggregate premiums paid including any top-up premiums paid less partial withdrawals made compounded @1% per annum till death is paid subject to a minimum of 105% of all premium paid till death Partial withdrawals can be done after 5 completed policy year with a minimum value of Rs.1000 Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst Cash Back Plan A traditional money back plan which provides lump sum payouts at specific intervals along with providing life insurance coverage. The features and benefits of the plan are as follows: Premiums under the plan are payable for a limited tenure only under the Limited Pay option of premium payment. Guaranteed Additions accrue under the plan the rate of which depends on the tenure of the plan. The additions are calculated as a percentage of the annual premium paid and are 5% for a 9 year term, 6% for a 12 year term and 7% for a 15 year term In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Sum Assured on maturity or 10times the annual premium paid or 105% of all premiums paid till the date of death along with the accrued guaranteed additions till death Money back benefits accrue @20% of the Sum Assured and are paid twice during the tenure depending on the term chosen. For a 9 year term, the benefit is paid in the 3rd and the 6th policy year, for a 12 year term it is paid in the 4th and 8th year and for a 15 year term it is paid in the 5th and 10th year. On maturity, the remaining 60% of the Sum Assured is paid along with the accrued Guaranteed Additions Discounts are allowed in premiums for choosing higher levels of Sum Assured of Rs.1 lakh and above Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act. Eligibility Details IndiaFirst Simple Benefit Plan A traditional Endowment Assurance plan for savings and protection purposes. The features and benefits of the plan are as follows: The plan participates in the profits of the company by way of earning bonuses Premiums under the plan are payable for the entire tenure of the plan On maturity, the Sum Assured is paid along with the simple reversionary bonuses and any Terminal Bonus In case of death of the insured during the tenure of the plan, the death benefit will be payable which will be higher of the Sum Assured or 10 times the annual premium paid subject to a minimum of 105% of all premiums paid till the date of death along with the accrued reversionary bonus and any Terminal Bonus Loans are available up to a maximum of 90% of the Surrender Value Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.