Let Us Insure Your Happiness!

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 Sum Assured can be increased by 150%, 200%, 250% or 300% of the basic Sum Assured. It can also be decreased after the completion of the PPT Partial withdrawals are allowed every year after 5 completed policy years with a minimum value of Rs.5,000 Switches are allowed every year for switching between funds Premium Redirection is allowed for redirecting future premiums into another fund Top-ups can be done to increase investments at a minimum of 5000. The corresponding top-up SA will be 125% of the top-up premium for ages<45 yrs. and 110% of the premium for ages>=45 yrs. Exclusions The benefit paid in case of suicide within 12 months of policy inception or revival is the fund value as on that date.

It is a unit linked plan with Limited Pay option of premium payment Guaranteed Additions are added from the 6th policy year There are 3 investment options of Lifecycle Option, Systematic Transfer Option and Self-Managed Option Under the Lifecycle Option, the investment is split between Maximizer and Income Advantage Fund in a pre-determined ratio. The units are automatically transferred from the riskier fund to the safer fund with increasing age Under the Systematic Transfer Option, the premium net of charges is first allocated to Liquid Plus Fund and thereafter 1/12th of the fund is transferred monthly to a fund of the policyholders choice The following funds are available for investment under the Self- Managed Option Liquid Plus Income Advantage Assure Protector Builder Enhancer Creator Magnifier Maximizer Multiplier Super 20 Pure Equity Value & Momentum

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

Guaranteed Additions are added from the 6th year to 10th year @ 0.25%, from the 11th year to 15th year @ 0.55% and from the 16th year onwards @ 0.75% Guaranteed Additions are calculated as a percentage of the average Fund Value over the last 12 months The insured will get the total Fund Value on Maturity which also includes top-up Fund Value and Guaranteed Additions On death of the policyholder, sum of the Sum Assured including top-up Sum Assured and Fund Value including top-up Fund Value is payable to the nominee subject to a minimum of 105% of all premiums paid till death Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.