Lic Plan Booklet

7/22/2019 Lic Plan Booklet

1/83

E x h a u s t i v e N o t e s o n

P r o d u c t s o f

L i f e I n s u r a n c e C o r p o r a t i o n o f I n d i a

1


2/83

FOR PRIVATE CIRCULATION ONLY

Exhaustive Notes on

Products ofLife Insurance Corporation of India

PMR Department,DIVISIONAL OFFICE

7thFloor, Suraj Plaza II,Sayajigunj, Vadodara 390 005.

Tel: 0!5" 5073#"$ail: %$r.&adodara'li(india.(o$

2
mailto:[email protected]:[email protected]


3/83

Ifeel extremely happy to preent an !Exha"t#$e note onpro%"&t of LIC' to o"r f#el% for&e( There ha )een a per#t#n*%eman% for "&h a p")l#&at#on #n $#e+ of ")tant#al &han*e an%

amen%ment #n r"le, part#&"larly %"r#n* the lat one year( Manypop"lar plan l#-e !Money Pl"' an% !Mar-et Pl"' ha$e )een+#th%ra+n an% many ne+ plan ha$e )een #ntro%"&e% )y theCorporat#on( I hope th# )oo-let +#ll f#ll "p the *ap for the*"#%an&e of o"r f#el% for&e #n part#&"lar an% other #n *eneral(

The )ea"ty of th# &ompen%#"m # #n #t l"% preentat#on,&o$er#n* all the ape&t of the plan #n )r#ef( Nee%le to a%%,the )oo-let # #ntro%"&tory #n nat"re an% #n no +ay ho"l% )e&ontr"e% a a ")t#t"te for the &on&erne% Central Off#&er&"lar on the ").e&t( In &ae of any %o")t or &lar#f#&at#on,referen&e ho"l% )e ma%e to the &on&erne% r&"lar(

All the mem)er of PMR an% N/ Department %eer$e all thepra#e an% appreat#on for the#r har% an% &on&erte% effort #n)r#n*#n* o"t th# )oo-let, +h#&h +#ll %ef#n#tely pro$e to )e ahan%y an% "ef"l referen&e mater#al(

0e are loo-#n* for+ar% to yo"r repone at pmr($a%o%ara1l#n%#a(&om(

O"r Speal Than- to2

Shr# M(N( M#r 2 Mana*er 3PMR4 ,Va%o%ara D#$##on

Shr# 5(6( Parmar 2 At( , PMR,/7AC,MI ,Va%o%ara D#$##on

Shr# D(8( 9a%#a 2 At( , Sale , Va%o%ara D#$##on

Shr# V(9( Patel 2 A(O( , N/ , Va%o%ara D#$##on

Mr( 6(9( Ra$al 2 A(A(O( , N/ , Va%o%ara D#$##on

S.B. JOSHI

Sr( D#$##onal Mana*erDate2 :;

FORE!R"

3


4/83

This booklet contains following subjects Classification of LIC Plans Withdrawn Plans of LIC Moral Hazard Report MHR for Chief Life Insurance Advisor CLIA) Introduction of L. A. to Medical Examiners Financial Underwriting Employer Employee Scheme KYC / AMLA Requirements Non Medical Business Critical Illness Rider Products of LIC

4


5/83

PRO"#C$S OF LIC

Sr( Plan Name of PlanNo( No

) WHOLE LIFE POLICY WITH PROFIT 5 LIMITED PAYMENT WHOLE LIFE POLICY WITH PROFIT

3 )* ENDOWMENT ASSURANCE POLICY WITH PROFIT* *) CHILDRENS DEFERRED ENDOWMENT ASSURANCE WITH PROFIT VA-21

5 50 CHILDRENS DEFERRED ENDOWMENT ASSURANCE WITH PROFIT VA-18! *3 TWO YEAR TEMPORARY ASSURANCE POLICY WITHOUT PROFIT7 *+ ENDOWMENT ASSURANCE BY LIMITED PAYMENTS WITH PROFIT+ 5 THE MORTGAGE REDEMPTION ASSURANCE POLICY WITHOUT PROFIT9 5+ THE CONVERTIBLE TERM ASSURANCE POLICY WITHOUT PROFIT)0 75 MONEY BACK WITH PROFIT

)) ++ EEVAN MITRA !DOUBLE COVER" ENDOWMENT PLAN WITH PROFIT) +9 EEVAN SATHI !DOUBLE COVER OINT LIFE PLAN" WITH PROFIT

)3 90 MARRIAGE ENDOWMENT # EDUCATION ANNUITY PLAN WITH PROFIT)* 9) NEW ANA RAKSHA PLAN WITH PROFIT)5 93 MONEY BACK WITH PROFIT)! )0 EEVAN KISHORE WITH PROFIT

)7 )03 EEVAN CHHAYA PLAN WITH PROFIT)+ )0! EEVAN SURBHI WITH PROFIT !NEW MONEY BACK PLAN"

)9 )07 EEVAN SURBHI WITH PROFIT !NEW MONEY BACK PLAN"0 )0+ EEVAN SURBHI WITH PROFIT !NEW MONEY BACK PLAN") ))* EEVAN AADHAR PLAN WITHOUT PROFIT )33 EEVAN MITRA !TRIPLE COVER" ENDOWMENT ASSURANCE PLAN WITH PROFIT3 )3! EEVAN VISHWAS WITH PROFIT

* )*7 NEW EEVAN SURAKSHA-1

5 )*+ NEW EEVAN DHARA-1 W$E$F$ 1#2#2%%2! )*9 EEVAN ANAND WITH PROFIT7 )59 KOMAL EEVAN !W$E$F$ 14#11#2%%2"+ )! LICS EEVAN SHREE-1 !W$E$F$ 1#%%3"9 )!* ANMOL EEVN-130 )!5 SARAL EEVAN

3) )!7 LICS EEVAN PRAMUKH WITH PROFIT3 )!+ EEVAN ANURAG

33 )!9 EEVAN NIDHI3* )7) BIMA NIVESH-2%%' !W$E$F$ 21#3#2%%'"35 )75 BIMA BACHAT

3! )7+ EEVAN TARANG37 )79 NEW BIMA GOLD3+ )+* CHILD CAREER PLAN

39 )+5 -I/ FT1# P2*0 )+! EEVAN AMRIT

*) )+7 FORTUNE PLUS* )++ PROFIT PLUS*3 )+9 EEVAN AKSHAY VI** )90 AMULYA EEVAN - I*5 )9) LICS MARKET PLUS I*! )9 LICS EEVAN BHARATI I

*7 )93 LICS MONEY PLUS - I

*+ 90) LICS HEALTH PLUS

'


6/83

#/46#T P2S : )*, *+, ++, 90 9), )33

4IT IF# P2S : +9

-4# IF# P2S : , 5, ))*

468I2TI4 4F #/46#T -4# IF# P2S: )*9,)7+

-I/1#S P2S : *), 50, )0, )59

P2S F41 -I/1# #F21#: )03, )0!, )07, )0+, )59, )!+, )7+

64#; 82< P2S : 75, 93, )03, )0!, )07, )0+, )!+, )75, )79,)9

T#16 2SS12# P2S : *3, 5+, )!*, )90

4 4ST P2S : *), 90, )!*, )!5, )79,)90

P#SI4 P2 : )*7, )*+, )!9, )+9

IV#ST6#T P2S : )7),)+7,)++,)9),)93

S%e(ial Plan= >or S%e(ial eed= :

5 : 6ortgage 1ede$%tion Plan)3! : For regular in(o$e to handi(a%%ed de%endant

)! : #?(lu=i&e Plan >or #?(lu=i&e Peo%le)!7 : #?(lu=i&e Plan >or #?(u=i&e Peo%le

CL!SSIFIC!$ION OF LIC PL!NS

(


7/83

)!+ : #ndo@$ent A de>erred annuity)7+ : hole o> li>e Plan"ee&an Tarang90) : I= -ealth Plu=)9 : I= ee&an 8harati I 6oney 8a(B, e?(lu=i&ely >or >e$ale=

621


8/83

)70 IS ##V2 2oron"$edi(al CEeneralD a= @ell a= >or on"$edi(al CS%e(ialD and $edi(al%ro%o=al= a= >ollo@=

M5R L#m#t for A*ent an% De$elopmentOff#&er i&e= : )5et S.2. : 1=. ! a(=

iiD 6e$er= o> 8ran(h 6anager= luand /i=tingui=hed 2gent= lu C hetherareer agent= or /ire(t agent= or 2gent=@orBing under a /e&elo%$ent 4>>i(er D

1=. 5 a(

1=. )0 a(

8D areer agent= or dire(t agent= or agent=@orBing under /e&elo%$ent 4>>i(er, @hoare $e$er o> iD /i&i=ional 6anager= luiiD Gonal 6anager= luiiiD hair$an= lui&D 6/1T Huali>ied 2gent=

1=. 0 a(1=. 30 a(1=. 50 a(1=. 50 a(

D /e&elo%$ent 4>>i(er= 1=. ) rore

/D 2==i=tant 8ran(h 6anagerC Sale=D,

8ran(h 6anager=C Sale=D2==t. 8ran(h 6anager="in"(harge o> 8rn. 1=. rore

8


9/83

#D 8ran(h $anager= Senior 8ran(h6anager="in harge o> 8ran(h 1=. 5 rore

FD6anagerC Sale=D 1=. )0 rore

ED6arBeting 6anager 2o&e 1=. )0 rore

entral under@riting Se(tion (an (all >or S%e(ial 6-1= >ro$ othero>>i(ial=, i> ne(e==ary, de%ending on the $erit= o> the (a=e.

M5R LIMITS FOR C5IEF LIFE INSURANCE ADVISORS

M5R L#m#t L#m#t "p to3R(4

)

3

*

5

!

Finan(ial Ser&i(e #?e(uti&e

1etired #$%loyee=

I2 C/6 lu 6e$erD

I2 CG6 lu 6e$erD

I2 C6 lu 6e$erD

I2 Cor%orate lu 6e$erD

1=. 30 a(=

1=. 50 a(=

1=. 50 a(=

1=. 75 a(=

1=. ) rore

1=. ) rore

M5R L#m#t for Off#alof the Corporat#on3for Ch#ef L#fe In"ran&e A%$#or4

M5R L#m#t L#m#t "p to3R(4

)

286C=D, 8ran(h 6anagerC=D, 2==i=tant8ran(h 6anager= in harge o> 8ran(h

8ran(h 6anager= Sr. 8ran(h 6anager=

1=. rore

1=. 5 rore

&


10/83

3

*

in harge o> 8ran(h

6anagerCSale=D

6arBeting 6anager hie> 6anager

% to 1=.)0 rore=

1=.)0 rore=

ao&e

INTRODUCTION OF LIFE ASSURED TO T5E MEDICAL EAMINER

i>e %ro%o=ed =hould e a((o$%anied y and introdu(ed to the $edi(ale?a$iner= >or $edi(al e?a$ination and =%e(ial $edi(al e?a$ination=J theintrodu(er @ill re$ain %re=ent at the ti$e o> $edi(al e?a$=.

S"m propoe% i>e %ro%o=ed =hould e introdu(ed y

e== than 1=. 0a(=

2gent

1=. 0 a(= to1=. 30 a(=

G6= lu 6e$er /e&.4>>i(er

1=. 0 a(= to1=. 50 a(=

6= lu $e$er 6/1T agent C 4n the a=i= o>o$$i==ionD (ontinuou=ly >or 3 year= /e&.4>>i(er

1=. 0 a(= to1=. ) rore

/e&.4>>i(er or%orate lu $e$er agent=

2o&e 1=. ) roreto 1=. rore

286CSD

2o&e 1= roreto 1=. 5 rore

86S86 I

2o&e 1= 5 roreut le== than 1=.)0 rore

6anagerC Sale=D

1


11/83

1=. )0 rore ao&e

6arBeting 6anager

The introdu(er @ill %ut hi=her =ignature on ea(h o> $edi(al=%e(ial$edi(al re%ort= in toBen o> ha&ing introdu(ed the li>e %ro%o=ed to the$edi(al e?a$iner.

INTRODUCTION OF LIFE ASSURED TO T5E MEDICAL EAMINER

3For Ch#ef L#fe In"ran&e A%$#or4

Intro%"&tory A"thor#ty L#m#t of S"m propoe%3R(4

)3*5!

Finan(ial Ser&i(e #?e(uti&e1etired #$%loyee=I2 C/6 lu 6e$erDI2 CG6 lu 6e$erDI2 C6 lu 6e$erDI2 Cor%orate lu 6e$erD

% to 1=. 30 a(=% to 1=. 50 a(=% to 1=. 50 a(=% to 1=. 75 a(=% to 1=. ) rore% to 1=. ) rore

CENTRAL OFFICE CIRCULAR REF 2 ACTURIAL: 1 007 *th 4(toer 007Vide (ir(ular re>. 2(tl.0!* dated ))th 6ar(h 00!, it @a= (lari>ied

that a= regard= in=uran(e under #$%loyer"#$%loyee S(he$e the ty%e= o>%lan= o>>ered (ould e other than ter$ in=uran(e al=o.

It i= no@ >urther (lari>ied that @hile allo@ing in=uran(e under e$%loyer"e$%loyee =(he$e it =hould e en=ured that the e$%loyee =hould not ha&e

ene>i(ial o@ner=hi% in the e$%loyer (o$%any in e?(e== o> 5K. Fora=(ertaining the li$it o> 5K =hareholding or o@ner=hi% held y (on(erned

1


12/83

e$%loyee, hi=her =%ou=e, (hildren, =on="in"la@, daughter="in"la@, %arent=,rother or =i=ter= =hould e aggregated together.

6YC NORMS

L 2= %er the guideline= i==ued y I1/2 %re$iu$=%ro%o=al /e%o=it= in e?(e==o> 1=. 50,000" i= to e a((e%ted through heMue=, /e$and /ra>t, and redit"ard or through 8anB heMue= only. C#?e$%tion i= gi&en >or Salary Sa&ing=olle(tionDL I/ %roo> and 1e=iden(e Proo> i= reMuired >or %ro%o=al= ha&ing %re$iu$ $orethan 1=. )0,000" CIn(luding 1ene@al Pre$iu$DL I/ %roo> , 1e=iden(e Proo> and Proo> o> In(o$e i= reMuired @ith all e@Pro%o=al= ha&ing %re$iu$ 1=. ),00,000 and ao&e.L 2= %er AMLC 2nti 6oney aundering D guideline= , 1e(ent Pa==%ort Size%hotogra%h o> %ro%o=er i= a $andatory reMuire$ent C In (a=e o> 6inor=,

%arent= %hotogra%h i= reMuired.

HRe#%ent Proof2Cany one o> the >ollo@ing i= ne(e==aryD). Tele%hone 8ill. 1ation ard3. #le(tri(ity 8ill*. 8anB 2 State$ent5. etter >ro$ any re(ognized %uli( 2uthority

NON MEDICAL 8ENERAL 7 NON MEDICAL SPECIAL

Cir: Ref: U&R/3/200 !"th#anuar$ 200%

NON-

MEDICAL

(SPECIAL)

NON-MEDICAL

(GENERAL)

Professional

MAJOR

STUDENT

NON-MEDICAL

GENERAL

(OTHERS) Major

ales an! li"era"e

feales

Major ales

an! li"era"e

feales

NSAP-II an!

NSAP-III

SA L*+*, A. 3' /0 .R$1' /A. 3( ,54' R$1%

/A. 4( ,5 '%

4 /

A. 3' /0 .R$12 /A. 3( ,54' R$8

/A. 4( ,5 '%

4 /

R$8 /A. 67 ,5 2'Y./

A. 3' /0 . R$4/A. 3( ,54' R$2 /

A. 4( ,5 '%1 / 9

I: NSAP I A. 3' /0

. R$3 /A. 3( ,54' R$1 /

A. 4( ,5 '% ;R$'%%%%

NSAP II A. 3' /0. R$2 /A. 3( ,54' R$1

/A. 4( ,5 '% ;

R$'%%%%

NSAP IIIA. 3' /0 . R$2

/A. 3( ,54' R$1

/

A. 4( ,5 '% ;R$'%%%%

1


13/83

Plan

allo#e!

A P/0 *06*0T.+ *. /0

PWB

1(4> /0 CI R*.

A P/0 *06*0T.+ *. /0 PWB

1(4>/0 CI R*.

A 7/0.=6*0

T/'2>'8>1(4>1()>1))

>88> 133>T.+ R*.

/0 CI R*.

T/ )'>&%> &1> &3> 13(> 14&>

1('> 1)8> 1)&> 181>18(> 18)> 188>18&>1&1>1&3 !PWB>

T.+ *. CI *./. 05, /5?.

Ta$le Nos% &'& an! &'

T/


14/83

:=,==,==:to

:,==,===

I

C6edi(al y TP2>or 1e&. 8D

i%idogra$,F8S, 12, #li=a

>or -IV -8K

For I1

#E

C6edi(al S%.1e%ort y TP2>or 1e&. 8D

1e=t #E, S8T")3, 12, -K

C6edi(al S%.1e%ort y TP2

>or 1e&. 8D

1e=t #E,

-ae$ogra$, S8T")3,12,T6T

C6edi(al S%.1e%ort y TP2 >or

1e&. 8D

:,==,==:to

?,==,===

F8S,

i%idogra$,#li=a >or -IV -

K C6edi(al S%. 1e%ort yTP2 >or 1e&.

8D

1e=t #E, S8T)3, 12, -K


1e=t #E,

-ae$ogra$,S8T )3, 12,

T6T KC6edi(al S%. 1e%ort yTP2 >or 1e&.

8D

1e=t #E,-ae$ogra$, S8T

)3, 12, T6T,-2)(KC6edi(al

S%. 1e%ort y TP2>or 1e&. 8D

?,==,===:

to=,==,===

1e=t #E, S8T)3, 12, -K


1e=t #E,

-ae$ogra$,S8T )3, 12,

T6T, C6edi(al S%. 1e%ort yTP2 >or 1e&.

8D

1e=t #E,

-ae$ogra$,S8T )3, 12,

T6T, -2)(C6edi(al S%.1e%ort y TP2>or 1e&. 8D

1e=t #E,

-ae$ogra$, S8T)3, 12, T6T,

-2)( he=t ? 1ayC6edi(al S%.

1e%ort y TP2 >or1e&. 8D

=,==,==:an% a)o$e

1e=t #E,-ae$ogra$,S8T )3, 12

C6edi(al S%.1e%ort y TP2

>or 1e&. 8D

1e=t #E,-ae$ogra$,S8T )3, 12,T6T, -2)(C6edi(al S%.

1e%ort y TP2>or 1e&. 8D

1e=t #E,-ae$ogra$,S8T )3, 12,T6T, -2)(,

he=t "rayC6edi(al S%.

1e%ort y TP2>or 1e&. 8D

1e=t #E,-ae$ogra$, S8T)3, 12, T6T,-2)(, he=t "

ray C6edi(al S%.

1e%ort y TP2 >or1e&. 8D

MEDICAL REUIREMENT C5ART FOR OT5ER RIS6 PLANSALLO0ED TO MINORS

3INCLUDIN8 T/L( :=;,:B 7 :@>)

S"m A"re% A*e 8ro"p

/elo+ Year to B Year := to :@ year

% to 1=. + a(= o $edi(al

reMuire$ent

o $edi(al

reMuire$ent=, utheight and @eight to

e $entioned in the21

o $edi(al

reMuire$ent=, utheight and @eight to

e $entioned in the21

1=. +,00,00) to1=. 5 a(=

I$$unization re(ordo> the (hild C no other$edi(al reMuire$ent D

o $edi(alreMuire$ent=, utheight and @eight toe $entioned in the21

iD u&enile F61iiD o%y o> late=t=(hool re%ort

1=. 5,00,00) to1=. *9,99,999

iD u&enile F61iiDI$$unization re(ordo> the (hildiiiDo%y o> late=t

=(hool re%ort, i> attending =(hool


iD u&enile F61iiD o%y o> late=t=(hool re(ord

1


15/83

1=. 50,00,000 to1=. 4ne rore

iD u&enile F61iiDI$$unization re(ord

o> the (hildiiiDo%y o> late=t=(hool re%ort, i> attending =(hool

iD u&enile F61iiD #E

iiiD -ae$ogra$i&D Seru$ reatinine&D 12&iD #li=a te=t >or -IV&iiD-=2g&iiiDo%y o> late=t

=(hoolre%ort

iD u&enile F61iiD #E

iiiD -ae$ogra$i&D S8T")&D -=2g&iD o%y o> late=t=(hool re%ort

MEDICAL REUIREMENT C5ART FOR CDA PLAN No( : AND =

% to 1=. )00a(=

o $edi(al o $edi(alreMuire$ent=, utheight @eight to e$entioned in the 21, o%y o> late=t

=(hool re%ort

o $edi(alreMuire$ent=, utheight @eight to e$entioned in the 21, o%y o> late=t =(hool

re%ort2o&e 1=. )00a(= to1=. 50 a(=

iD u&enile F61iiDI$$unization re(ordo> the

(hildiiiD o%y o> late=t

=(hool re%ort, i> attending =(hool


iD u&enile F61iiD -ae$ogra$iiiD S8T")

i&D #E&D-=2g

&iDo%y o> late=t=(hool re%ort

CRITICAL ILLNESS RIDER

riti(al Illne== 1ider ha= een introdu(ed to (o&er $ajor illne== under the >ollo@ing Plan=

T28# 4. P2

)*,*+ #/46T P2

++ ##V2 6IT12

75,93 64#; 82< P2S

)33 ##V2 6IT12 T1IP# 4V#1)*9 ##V2 22/

90 6211I2E# #/46T #/. 2IT;

)*7 # ##V2 S12


16/83

/ENEFITS2 ri. Ill. S.2 i= %ayale to .2 on o((urren(e o> the illne== (o&ered.)D P8 : ;e=D 6ini$u$ 2ge at #ntry : )+ ;ear= 8/ 0 year= CTl.no. )!+D

3D 6a?i$u$ 2ge at #ntry : 50 ;ear=

*D 6a?i$u$ 2ge at 6aturity : !0 ;ear=

5D 6ini$u$ S.2. : 1=.50000 A Ctherea>ter in $ulti%le= o> 1=.)0, 000"D!D 6ini$u$ S.2. o> 8a=i( Plan : 1=.500007D 6a?i$u$ S.2. >or .I. : #Mual to 8a=i( S.2. =uje(t to 6a?. o> 1=.5 a(=

C1=. )0 la(= in Plan o. )9) )93D+D Ter$ : )0 to 35 ;ear= C1egular Pr$ Poli(yD 05 to 35 ;ear= CSingle Pr$ Poli(yD )5, 0, 5 ;ear= Ctd.Pr$ %aying ter$D 5 year= CTale ")!+D

P1#6I6 64/# 1#82T# : ;; " K, -; " )K, 6; " 5K e?traS6 2SS1#/ 1#82T# : 22 P1#6I6 " I

SE P16 " e== than ) la( I" % to a(= 1= 0.5 K o> S.2.

" la(= ao&e 1=.0.50 K o> S.2. P2I/ P V2# SV 42 : 4

F#62# : 2T#E41; I, II.

6#/I2 : ;#S

2E# P144F : ST2/21/

SP#I2 6#/I2 1#P41T : For age ao&e 35 #E, -ae$ogra$. 8STreMuired.

2 lai$ under riti(al Illne== 1ider e(o$e= %ayale on the >ir=t diagno=i= o> a (riti(al Illne==

during the Poli(y ter$ a>ter the @aiting %eriod o> Si? $onth= C ot a%%li(ale in 2((ident (a=e=D

riti(al Illne== 1ider " 4nly on(e. 2&ailale during the ter$ o> the Poli(y.

Illne== o&ered: Plea=e re>er to rele&ant (ir(ular=.

NRIINSURANCE TO NONGRESIDENT INDIANS

/e>inition o> 1I: 2 on"1e=ident Indian i= a (itizen o> India C holding a &alid%a==%ort o> Eo&t. o> India D te$%orarily re=iding in the (ountry o> hi=her%re=ent re=iden(e. 1I =hould not e a Ereen"ard holder and =hould not ha&e a%%lied>or or %lanning to a%%ly in the near >uture >or a(Muiring (itizen=hi% o>hi=her %re=ent (ountry o> re=iden(e or any other (ountry. Ereen"ard holder= and Foreign ational= o> Indian origin are not toe treated a= 1I= >or the %ur%o=e o> allo@ing In=uran(e. 1I= (an e allo@ed In=uran(e C %oli(ie= in Indian 1u%ee (urren(yonly D

C2D 4n their &i=it to IndiaC8D Fro$ their %re=ent (ountry o> re=iden(e through 62I"41/#1

8u=ine==.In $ail order u=ine== >or$alitie= o> %ro%o=al (o$%letion,otaining $edi(al and S%e(ial re%ort=, et( are to e (o$%leted

in their %re=ent (ountry o> re=iden(e.

1


17/83

FOR NRITer$ 1ider P8 i= [email protected](al Illne== 1ider i= not [email protected]"4rder 8u=ine== i= [email protected] i$it o> 6a?i$u$ S.2. Cunder 6ail"4rder u% to 1=. ) roreD

Plan= allo@ed a= %er .4. ir(ular o. 05! dated 5th

Fe, 00!.a= =tated in Erou% 4> ountrie= I to VIII.

on"6edi(al S%e(ial i= allo@ed C % to 1=. 5 a(= D

MAILGORDER /USINESS

2llo@ed to 1I= only.ot allo@ed to Foreign ational= and Ereen"ard holder=.6a?i$u$ S.2. allo@ed i= 1=. ) rore C 4ther than %ure Ter$ 2==uran(e Dand in (a=e o> Pure Ter$ 2==uran(e 6a?i. S.2. 1=. 5 a(=.riti(al Illne== 1ider not allo@ed.

FOREI8N NATIONAL 3FOR INSURANCE PURPOSE42 %er=on @ho @a= an Indian earlier and ha= taBen the (itizen=hi% o>other (ountry i= (alled a Foreign ational . 2 Ereen"ard holder and @hoha= a%%lied >or Ereen"ard are al=o to e treated a= Foreign ational.L Per$anent re=ident in Forein ountryL riti(al Illne== 1ider, Ter$ 1ider and P8 not allo@ed.

4TI#/QQQ NRI

L 6a?i$u$ S.2. allo@ed i= 1=. 50 a(=.

L on"6edi(al not allo@ed.

L oint"i>e and Pure Ter$ 2==uran(e and -igh 1i=B Plan= are not allo@ed.

L Plan o=. ++,+9,90,9),)03,)05,)0!,)07,)0+,)33,)!0,)!*,)!+,)90 and

90) are not allo@ed.

L 6ail"4rder 8u=ine== i= not allo@ed.

TYPES OF ACCOUNTS MAINTAINED /Y NRI 0IT5 /AN6S IN INDIA

ACCOUT TYPE PURPOSE SPECIAL FEATURESC)D on"1e=ident 4rdinary To %arB earning= 8alan(e not (on&ertile C14D iBe 1ent, Indian to Foreign urren(y Salary CI> anyD, /i&idend et(

1


18/83

CD on"1e=ident #?ternal To %arB o&er=ea= 8alan(e and Intere=tC1#D Sa&ing= re$itted to not ta?ale and (an e

India a>ter (on&erting re(on&erted @hene&er To I1 CIndian 1u%eeD needed

C Fund= Be%t in 1# 2((ount are e?%o=ed to #?(hange rate ri=B >or e.g. i>1u%ee i= 1=. *+ to a = /ollar @hile de%o=iting, and @eaBen= to 1=. 50 to a/ollar @hen one @ho @ant= to taBe $oney out o> India @ill lo=e * (ent=R.DC3D Foreign"urren(y To %arB o&er=ea= 8alan(e and intere=t

on"1e=ident =a&ing= @ithout not ta?ale and (an e CF1D (on&erting into I1 (on&erted into any

urren(y, i> needed.

FOREI8N EC5AN8E MANA8EMENT 3INSURANCE4RE8ULATIONS, ;=== LIFE INSURANCE MEMORANDUM 3LIM4

Per$itting (redit o> Foreign urren(y (lai$= >a&ouring on"1e=ident=to 1#F1 2((ount= : In the re&i=ed I6 the %ro(eed= o> the %oli(ie=deno$inated in Foreign urren(y or the 1u%ee %oli(ie= >or @hi(h %re$iu$=are %aid in Foreign urren(y or out o> 1#F1 2((ount= are no@ %er$ittedto e (redited to 1#F1 2((ount= o> on"1e=ident @ithout %riora%%ro&al o> 1e=er&e 8anB.

PLANG; J 05OLE LIFE POLICY 0IT5 PROFIT

IS12# T;P# : -4# IF# P2

6II66 2E# #T1; : )+ ;#21S

62I66 2E# #T1; : !0 ;#21S

62I66 62T1IT; 2E# : +0 ;#21S

6II66 S6 2SS1#/ : 1=. 50,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;;: 3K, -;: ).5K

1


19/83

4"6#/I2 : E##12 :4

SP#I2: ;#S

F#62# : 2T#E41; I,II,III

2E# P144F : ST2/21/

/28 : ;#S

P4I; 42 : ;#S

-4SIE 42 : 4

F416 4. : 3003*0

BENEFITS :Pre$iu$ are %ayale u% to age +0 or

35 year= o> ter$ @hi(he&er i= $ore. Su$ 2==ured i= %ayale i> i>e 2==ured attain= age +0 or o$%letion o> *0 year= >ro$ the date o> (o$$en(e$ent @hi(he&er

i= later.

C2D 4 /#2T- : C)D 2T12 /#2T-: S6 2SS1#/ A21#/ 84S

CD IT- /28 C2I/#T2 /#2T-D/48# S6 2SS1#/ A 21#/

84S

PLANG J LIMITED PAYMENT 05OLE LIFE POLICY J

0IT5 PROFIT

IS12# T;P# : -4# IF# P2

6II66 2E# #T1; : ) ;#21S

62I66 2E# #T1; : !0 ;#21S

6II66 T#16 : 05 ;#21S

62I66 T#16 : 55 ;#21S

62I66 62T1IT; 2E# : +0 ;#21S

1


20/83

62I66 P1#6I6

#2SIE 2E# : 70 ;#21S

6II66 S6 2SS1#/ : 1=. 50,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;;: 3K, -;: ).5K

4"6#/I2 : E##12 : ;#S,T#16 5 T4 )0 ;#21S

SP#I2 : ;#S

F#62# : 2T#E41; I,II,III

2E# P144F : ST2/21/ S2P" I, II, III

/28 : ;#S

P4I; 42 : ;#S

-4SIE 42 : ;#S

F416 4. : 3003*0

BENEFITS :Pre$iu$= are %ayale >or a =ele(ted %eriod o> year= or until death i> it o((ur= @ithin thi= %eriod.

ith %ro>it li$ited %ay$ent %oli(ie= do not (ea=e to %arti(i%ate in %ro>it= a>ter

(o$%letion o> %re$iu$ %aying %eriod ut (ontinue to =hare in %ro>it until the death o> the li>e a==ured.

C2D4 /#2T- : C)D 2T12 /#2T-: S6 2SS1#/ A 21#/ 84SD. CD IT- /28 C2I/#T2 /#2T-D

/48# S6 2SS1#/ A 21#/84S.

PLANG: J ENDO0MENT ASSURANCE POLICY J0IT5 PROFITS

IS12# T;P# : #/46#T P2

6II66 2E# #T1; : ) ;#21S 8/

62I66 2E# #T1; : !5 ;#21S 8/

6II66 T#16 : 5 ;#21S

62I66 T#16 : 55 ;#21S

2


21/83

62I66 62T1IT; 2E# : 75 ;#21S

6II66 S6 2SS1#/ : 1=. 50,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;;: 3K , -;: ).5K

4"6#/I2 : E##12 :;#S

SP#I2 : ;#S

F#62# : 2T#E41; I, II, III

2E# P144F : ST2/21/ 41 4 ST2/21/

/28 : ;#S

P4I; 42 : ;#S

-4SIE 42 : 264T #H2 T4 S.2. 4/ 8#

4SI/#1#/ F41 4V#12E# 4F -4SIE

42

F416 4. : 3003*0

BENEFITS :

C2D 4 62T1IT; : S6 2SS1#/ A 21#/ 84S

C8D 4 /#2T- : C)D 2T12 /#2T-: S.2. A 21#/84S

CD IT- /28 C2I/#T2 /#2T-D/48# S.2. A 21#/ 84S

CD P#162#T /IS28IIT; : 4 F1T-#1 P1#6I6S T4 8# P2I/ IF 8##FIT P#162#T /IS28IIT; 41S

1ITI2 I#SS 1I/#1 : ;#S

T#16 1I/#1 : ;#S

PLANG: J C5ILDRENKS DEFERRED ENDO0MENTASSURANCE J 0IT5 PROFITS G VESTIN8 A8E ;: YRS

PLANG= J C5ILDRENKS DEFERRED ENDO0MENTASSURANCE J 0IT5 PROFITS G VESTIN8 A8E :> YRS

2


22/83

IS12# T;P# :-I/1# P2

6II66 2E# #T1; : 0 ;#21

62I66 2E# #T1; : )7 ;#21S F41 T28#: *) 2/

)* ;#21S F41 T28#: 50

62I66 T#16 : 50 ;#21S

62I66 62T1IT; 2E# : !0 ;#21S CI HIH#I2 4;D

6II66 /#F#16#T : * ;#21S

P#1I4/

6II66 S6 2SS1#/ : 1=. 50,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2 ##PT SSS

4"6#/I2 : 4 6.#. PT4 ) 141#.

2E# P144F : ST2/21/

/28 : ;#S, 2FT#1 /#F#11#/ /2T#

P4I; 42 : ;#S, 2FT#1 /#F#16#T /2T#

BENEFITS :Plan to enale a %arent to %ro&ide >or thehild

" on de>erred date %oli(y &e=t= in >a&our o> 2" on de>erred date %ro%o=er i= ha&ing o%tion o>

re(ei&ing (a=h o%tion or =urrender &alue." In (a=e the death o> 2 e>ore the de>erred date:

1e>und o> all %re$iu$= %aid" 8onu= i= %ayale >ro$ de>erred date

" Pre$iu$ ai&er 8ene>it i= a&ailale under thi= %lan

C2D 4 62T1IT; : S6 2SS1#/ A 21#/ 84SC8D 4 /#2T- : C)D 2T12 /#2T-: S.2. A 21#/

84S

CD IT- /28 C2I/#T2 /#2T-D/48# S.2. A 21#/ 84S

PLANG? J T0O YEAR TEMPORARY ASSURANCE POLICY J

0IT5OUT PROFITS

2


23/83

IS12# T;P# : T#16 2SS12#

6II66 2E# #T1; : )+ ;#21 8/

62I66 2E# #T1; : !0 ;#21 8/

T#16 : 0.5 , ), ).5 2/ ;#21S

62I66 T#16 : 0 ;#21S

62I66 62T1IT; 2E# : ! ;#21S

6II66 S6 2SS1#/ : 1=. 3,00,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : SIE# P1#6I6 4;

2E# P144F : ST2/21/ 2/ 6ST

P4I; 42 : 4

-4SIE 42 : 4

BENEFITS :L Thi= %lan i= de=igned to (ater to the needo> in=uring %uli( @ho reMuire ri=B (o&er>or a =hort %eriod o> t@o year= or le==.

L The S.2. @ill e %ayale only in the e&ento> 2.= death during the ter$ o> the %oli(y

L The %ro%o=er i= reMuired to %ay 6edi(al#?a$ination Fee=.

L e@ 8u=ine== under@riting at /i&i=ional e&el only.

L The a$e o> the 6edi(al e?a$iner @ill e

=ugge=ted y 4>>i(e.

PLANG> J ENDO0MENT ASSURANCE /Y LIMITED

2


24/83

PAYMENTS J 0IT5 PROFITS

IS12# T;P# : #/46#T P2

6II66 2E# #T1; : ) ;#21S 8/

62I66 2E# #T1; : T#16 62I66 2E# 2T #T1;)5 !0 ;#21S

0 55 ;#21S5 50 ;#21S

SIE# P1#6I6 !5 ;#21S

6II66 T#16 : )5 ;#21S

62I66 T#16 : 5 ;#21S

P4I; T#16 PPT : P4I; T#16 P1#6 P2;IE T#16)5 5, )00 5, )0, )55 5, )0, )5, 0

62I66 62T1IT; 2E# : 75 ;#21S

6II66 S6 2SS1#/ : 41/ : 50,000 SP : 30,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2 A SIE# P1#6I6

1#82T# F41 64/# : ;; : 3K, -; : ).5K

4"6#/I2 : E##12 :;#S

SP#I2 : ;#S

F#62# : 2T#E41; I, II, III

2E# P144F : ST2/21/ 41 4 ST2/21/

/28 : ;#S

P4I; 42 : ;#S

-4SIE 42 : 264T #H2 T4 S.2. 4/ 8#4SI/#1#/ F41 4V#12E# 4F -4SIE

42

F416 4. : 3003*0

BENEFITS :

C2D 4 62T1IT; : S6 2SS1#/ A 84S

C8D 4 /#2T- : C)D 2T12 /#2T-: S.2. A 84S CD IT- /28 C2I/#T2 /#2T-D

/48# S.2. A 84S

CD P#162#T /IS28IIT; : 4 F1T-#1 P1#6I6S T4 8# P2I/ IF8##FIT P#162#T /IS28IIT; 41S

1ITI2 I#SS 1I/#1 : ;#S

T#16 1I/#1 : ;#S

2


25/83

PLANG; J T5E MORT8A8E REDEMPTION ASSURANCEPOLICY J 0IT5OUT PROFITS

IS12# T;P# : #/46#T P2

6II66 2E# #T1; : )+ ;#21S 8/

62I66 2E# #T1; : 55 ;#21S 8/

62I66 62T1IT; 2E# : !0 ;#21S

6II66 S6 2SS1#/ : 41/: 1=. 50,000"

SIE# P1#6I6 : 1=. )0,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2 SIE# P1#6I6

6#/I2 : T-# P14P4#T I 8#

1#HI1#/ T4 /#1E4 6#/I2

#26I2TI4 2T -IS-#1 4ST

F#62# : 2T#E41; " I

2E# P144F : ST2/21/ S2P" I

P4I; 42 : 4

S11#/#1 V2# : 4

BENEFITS :Thi= %lan i= de=igned to $eet the

reMuire$ent= o> in=titution ororro@er= to en=ure that the

out=tanding loan i= auto$ati(ally e?tingui=hed in the e&ent o> the death o> orro@er.

2


26/83

PLANG> J T5E CONVERTI/LE TERM ASSURANCE POLICY

J 0IT5OUT PROFITS

IS12# T;P# : T#16 2SS12#

6II66 2E# #T1; : 0 ;#21S 8/

62I66 2E# #T1; : 50, ** 2/ *3 ;#21S F41 T#16S

5, ! 2/ 7 ;#21S 1#SP#TIV#;

6II66 T#16 : 5 ;#21S

62I66 T#16 : 7 ;#21S

62I66 62T1IT; 2E# : 55 ;#21S

6II66 S6 2SS1#/ : 1=. 50, 000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2 SIE# P1#6I6

6#/I2 : 6#/I2 4; 2FT#1 2PP14V2

4F 812- 4FFI#. 6#/I2#26I2TI4 2T T-# 4ST 4F

P14P4S#1.

F#62# : 2T#E41; I, II

2E# P144F : ST2/21/ S2P " I

P4I; 42 : 4 P2I/"P V2#, S11#/#1

41 P4I; 42

BENEFITS :L Thi= %lan i= de=igned >or tho=e @ho

are Initially unale to %ay larger%re$iu$ ut -o%e to e ale to %ay inthe near >uture

L S6 2SS1#/ i= %ayale only in the e&ent o> death o> the .2. e>ore

the e?%iry o> %oli(y ter$.

L 4%tion to (on&ert thi= %lan in toi$ited Pay$ent i>e Poli(y or an#ndo@$ent Poli(y, @ithout undergoing>re=h $edi(al #?a$ at any ti$eduring %oli(y ter$

e?(e%t the la=t year=.

2


27/83

PLAN J @ MONEY /AC6 J 0IT5 PROFITS

IS12# T;P# : 64#; 82i?ed inter&al= e&en @hile the

ri=B (o&er >or >ull =u$ a==ured (ontinue=.

C2D S1VIV2 8##FITS : 2FT#1 05 ;#21S 0K 4F S.2. 2FT#1 )0 ;#21S 0K 4F S.2. 2FT#1 )5 ;#21S 0K 4F S.2.

C8D 4 62T1IT; : *0K 4F S.2. A 84SCD 4 /#2T- : C)D 2T12 /#2T-: S.2. A

21#/ 84S CD IT- /28 C2I/#T2 /#2T-D /48# S6 2SS1#/ A 21#/

84S

1ITI2 I#SS 1I/#1 : ;#S T#16 1I/#1 : ;#S

2


28/83

PLANG>> J 9EEVAN MITRA J DOU/LE COVERENDO0MENT PLAN J 0IT5 PROFITS

IS12# T;P# : #/46#T P2

6II66 2E# #T1; : )+ ;#21S 46P#T#/

62I66 2E# #T1; : 50 ;#21S 8/

6II66 T#16 : )5 ;#21S

62I66 T#16 : 30 ;#21S

62I66 62T1IT; 2E# : 70 ;#21S

6II66 S6 2SS1#/ : 1=. 50,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;;: 3K, -;: ).5K

4"6#/I2 : E##12 : 4

SP#I2 : ;#S

F#62# : 2T#E41; I, II

2E# P144F : ST2/21/ S2P " I

/28 : ;#S

P4I; 42 : ;#S

-4SIE 42 : /48# T-# 264T 4F S.2.

4/ 8# 4SI/#1#/ F414V#12E# 4F -4SIE 42

F416 4. : 300

BENEFITS :

C2D 4 62T1IT; :S6 2SS1#/ A 21#/ 84SC8D 4 /#2T- : C)D 2T12 /#2T-:

/48# T-# S.2. A 21#/ 84S CD IT- /28 C2I/#T2 /#2T-D

T1IP# S.2. A 21#/ 84S

2


29/83

CD P#162#T /IS28IIT; : 4 F1T-#1 P1#6I6S T4 8# P2I/ 8##FIT IF P#162#T /IS28IIT; 41S

1ITI2 I#SS 1I/#1 : ;#S

T#16 1I/#1 : 4

PLANG>B J 9EEVAN SAT5I JDOU/LE COVER 9OINT LIFE PLAN J0IT5 PROFIT 39OINT LIFE FOR 5US/AND 7 0IFE4

IS12# T;P# : #/46#T P2

6II66 2E# #T1; : 62#: ) F#62#: )+ ;#21S

62I66 2E# #T1; : 50 ;#21S

6II66 T#16 : )5 ;#21S

62I66 T#16 : 30 ;#21S

62I66 62T1IT; 2E# : 70 ;#21S

6II66 S6 2SS1#/ : 1=. 50,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;;: 3K, -;: ).5K

4"6#/I2 : E##12 : 4

SP#I2: ;#S

F#62# : 2T#E41; I, II, III

F41 -4S#IV#S:62. S2 2S IT-4T I46# P144F.For S.2. O la(= to )5 la(=, Fe$ale li>ePro%o=ed =hould e graduate and =houldPo==e==e= %a==%ort or (redit (ard or/ri&ing li(en(e or 6edi (lai$ %oli(y.

2E# P144F : ST2/21/ S2P " I

/28 : ;#S 1S. P#1 )000 S.2.

P4I; 42 : ;#S

-4SIE 42 : ;#S

F416 4. : 300 *00

BENEFITS :

C2D 4 62T1IT; : S6 2SS1#/ A 21#/ 84SC8D 4 /#2T- : C)D IF 4# P21T#1 /I#S:

CaD 2T12 /#2T-: S6 2SS1#/

CD IT- /28 C2I/#T2 /#2T-D

/48# S6 2SS1#/

C(D o liaility o> >urther %re$iu$ %ay$ent

CdD 1i=B (o&er o> =ur&i&ing %artner (ontinue=

CeD Pay$ent o> =u$ a==ured A onu= at

$aturity or death o> the nd%artner to the

2


30/83

legal heir= @hi(he&er i= earlier.

CD IF 84T- T-# P21T#1S /I# SI6T2#4S;:

CaD atural /eath: C ? S.2.D A 8onu=

CD ith /28 C2((idental /eathD: C* ? S.2.D

A 8onu= .

PLANGB= J MARRIA8E ENDO0MENT < EDUCATIONANNUITY PLAN J 0IT5 PROFITS

IS12# T;P# : #/46#T P2

6II66 2E# #T1; : )+ ;#21S

62I66 2E# #T1; : !0 ;#21S

6II66 T#16 : 05 ;#21S

62I66 T#16 : 5 ;#21S

62I66 62T1IT; 2E# : 70 ;#21S

6II66 S6 2SS1#/ : 1=. 50,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;;: 3K, -;: ).5K

4"6#/I2 : E##12 : ;#S SP#I2 : ;#S

F#62# : 2T#E41; I, II, III

2E# P144F : ST/ 4"ST/

/28 : ;#S

P4I; 42 : ;#S

-4SIE 42 : ;#S

F416 4. : 300

BENEFITS :Thi= %lan i= =uitale >or $aBing

%ro&i=ion >or a =tart in li>e,

%ro&i=ion >or $arriage o> (hild or edu(ation o> (hildren. It gi&e= the

(ertainty and a==uran(e o> the in=ureda$ount eing a&ailale at thePredeter$ined ti$e o> @edding or higheredu(ation o> the (hildren.

C2D 4 62T1IT; : S6 2SS1#/ A 21#/ 84S in lu$% =u$ or in ten -; in=tal$ent=

C8D 4 /#2T- : 2T12 /#2T-: >uture %re$iu$= =to% 2I/#T2 /#2T-: C2D I66#/I2T# P2;6#T 4F S6 2SS1#/ Ca= a((idental (lai$D

3


31/83

C8D Pre$iu$ =to% CD Pay$ent at $aturity S.2. A 8onu= >or

>ull ter$

1ITI2 I#SS 1I/#1 : ;#S

T#16 1I/#1 : ;#S

PLANGB: J NE0 9ANA RA6S5A PLAN J 0IT5 PROFITS

IS12# T;P# : #/46#T P2

6II66 2E# #T1; : )+ ;#21S

62I66 2E# #T1; : 50 ;#21S

6II66 T#16 : ) ;#21S

62I66 T#16 : 30 ;#21S

62I66 62T1IT; 2E# : 70 ;#21S

6II66 S6 2SS1#/ : 1=. 30, 000

62I66 S6 2SS1#/ : IT- 1#ST1ITI4 )0 2S

64/# : 2 I/IE SSS

1#82T# F41 64/# : ;;: 3K, -;: ).5K

4"6#/I2 : E##12 : ;#S PT4 1=. 30,000

SP#I2 : ;#S

F#62# : 2T#E41; I, II, III

2E# P144F : ST/ 4"ST/ PT4 S.2. 30000 4 2E# P144F #T12

/28 : I. I TP

P4I; 42 : ;#S

-4SIE 42 : ;#S

F416 4. : 300

BENEFITS :L The =%e(ial additional >eature o> thi= %lan i= that i> a>ter at lea=t year= %re$iu$= ha&e een %aid, e&en i> %re$iu$= do not

get %aid >or any rea=on >ull death (o&er @ill e (ontinued >or a %eriod o> 3 year=

>ro$ >ir=t FP. I> C/28, it i= al=o%er$i==ile in thi= e?tended %eriodD.

L @ithin 3 year= >ro$ >ir=t un%aid %re$iu$%oli(y (an e re&i&ed y %aying arrear= o>

un%aid %re$iu$ and intere=t, a>ter 3 year=/E- i= reMuired.

3


32/83

C2D 4 62T1IT; : S6 2SS1#/ A 21#/ 84S

C8D 4 /#2T- : C)D 2T12 /#2T-: S.2.A 21#/ 84S CD IT- /28 C2I/#T2 /#2T-D /48# S. 2. A 21#/ 84S

CD P#162#T /IS28IIT; : 4 F1T-#1 P1#6I6S T4 8# P2I/ 8##FIT IF P#162#T /IS28IIT; 41S.

PLANGB? J MONEY /AC6 J 0IT5 PROFITS

IS12# T;P# : 64#; 82< P2

6II66 2E# #T1; : )3 ;#21S

62I66 2E# #T1; : *5 ;#21S

6II66 T#16 : 5 ;#21S

62I66 T#16 : 5 ;#21S

62I66 62T1IT; 2E# : 70 ;#21S 6II66 S6 2SS1#/ : 1=. 50,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;;: 3K, -;: ).5K

4"6#/I2 : E##12 : ;#S

SP#I2 : ;#S

F#62# : 2T#E41; I, II, III

2E# P144F : ST2/21/ 4"ST2/21/

/28 : ;#S

P4I; 42 : ;#S

-4SIE 42 : ;#S

F416 4. : 300 3*0

BENEFITS :2 &ery %o%ular %lan @hi(h return= the S.2. 2t >i?ed inter&al= e&en @hile the ri=B (o&er For >ull =u$ a==ured (ontinue=.

3


33/83

C2D S1VIV2 8##FITS : 2FT#1 05 ;#21S )5K 4F S.2. 2FT#1 )0 ;#21S )5K 4F S.2. 2FT#1 )5 ;#21S )5K 4F S.2. 2FT#1 0 ;#21S )5K 4F S.2.

C8D 4 62T1IT; : *0K 4F S.2. A 84SC8D 4 /#2T- : C)D 2T12 /#2T- : S.2.A 21#/ 84S

CD IT- /28 C2I/#T2 /#2T-D /48# S.2. A 21#/ 84S

1ITI2 I#SS 1I/#1 : ;#S

T#16 1I/#1 : ;#S

PLAN G:=; 9EEVAN 6IS5ORE 0IT5 PROFITS

IS12# T;P# : -I/1# P2

6II66 2E# #T1; : 00;#21S 8/

62I66 2E# #T1; : ) ;#21S 8/

6II66 T#16 : )5 ;#21S

62I66 T#16 : 35 ;#21S

6II66 62T1IT; 2E# : 0 ;#21S

62I66 62T1IT; 2E#: *5 ;#21S

6II66 S6 2SS1#/ : 1=. 50000 62I66 S6 2SS1#/ : IT- 1#ST1ITI4 1=. )5 2S

64/# : 2 ##PT SSS A SIE# P1#6I6

1#82T# F41 64/# : 2 ;; : 3K -;: ).5K

6#/I2 : PT4 + 2S 4 6#/I2

F#62# CP14P4S#1D : 2T I, II

2E# P144F : ST/

: S-44 E4IE P144F I>2E# IS 5 ;#21S 41641#

/28 : ;#S, IT- 1#ST1ITI4

P4I; 42 : 4

-4SIE 42 : 4

2SSIE6#T : 4

F416 4. : 3!0 PT4 2E# 9 ;#21S

: 3*0 2E# )0 T4 2E# ) ;1S

BENEFITS : Thi= %lan i= =%e(ially de=igned >or (hildren

8et@een ) to ) year=. 1i=B (o&erage =tart= on(o$%letion o> 7 year= o> age or year= >ro$(o$$en(e$ent o> the %oli(y @hi(he&er i= later

C2D4 62T1IT; : S6 2SS1#/ A 84SC8D 4 /#2T- : C)D 2T12 2S # 2S 2I/#T2:

S.2. A 84S

3


34/83

CD /#2T- /1IE /#F#16#TP#1I4/: 4; 1#F/ 4F P1#6I6S

CD P1#6I6 2IV#1 8##FIT: I> %ro%o=er die= e>ore (o$%leting )+year= o> age o> the (hild, then %re$iu$

@ill =to% u%to )+ year= o> (hild

C/D 1IS< 4V#1 4F T-# -I/: 2E# C8/D 1IS< 466## F1460) T4 0* ;#21S " 2FT#1 7 ;#21S 4F 2E# 05T4 )0 ;#21S " Se(ond %oli(y anni&er=ary>ro$ date o> (o$$en(e$ent)) year= " Fir=t %oli(y anni&er=ary >ro$

date o> (o$$en(e$ent ) year=" I$$ediately

P21#TS IS12# 4T ISIST#/ PT4 2


35/83

BENEFITS : Thi= %lan i= =%e(ially de=igned >or

%ro&i=ion o> (hild= edu(ation, $arriage and>uture e(ono$i( =ettle$ent

C2D 4 62T1IT; : S2 i= %ayale in * eMual in=tal$ent= C5Kea(hD

FI1ST IST26#T : 3 ;#21S P1I41 T4 62T1IT;S#4/ IST26#T : ;#21S P1I41 T4 62T1IT;

T-I1/ IST26#T : ) ;#21 P1I41 T4 62T1IT;

FI2 IST26#T : 4 62T1IT; 24EIT- 84S#S

C8D 4 /#2T- :2T12 : C)D S.2.

CD 2IV#1 4F FT1# P1#6I6 2FT#1 T-#/#2T- 4F P14P4S#1 A 2S P#1 C2D

2I/#T2 : C)D S.2.

CD 2IV#1 4F FT1# P1#6I6 2FT#1 T-#/#2T- 4F P14P4S#1 A 2S P#1 C2D

PLAN G:= 9EEVAN SUR/5I J 0IT5 PROFIT3NE0 MONEY /AC6 PLAN4

IS12# T;P# : 64#; 82< P2

6II66 2E# #T1; : )* ;#21S

62I66 2E# #T1; : 55 ;#21S

P4I; T#16 : )5 ;#21S

P1#6I6 P2;IE T#16 : ) ;#21S

62I66 62T1IT; 2E#: 70 ;#21S

6II66 S6 2SS1#/ : 1=. 50000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;; : 3K -;: ).5K

4"6#/I2 : E##12: 4 : SP#I2: ;#S

F#62# : 2T#E41; I, II

2E# P144F : ST/ S2P " I

/28 : ;#S

P4I; 42 : 4

-4SIE 42 : ;#S

3


36/83

F416 4. : 300 3*0

BENEFITS : 2 &ery %o%ular $oney a(B %lan @ith

in(rea=ing ri=B (o&er a>ter e&ery 5 year=.Pre$iu$ %ay$ent i= >or le==er %eriod than ter$o> the %oli(y. L #arly return= L In(rea=ed=ur&i&al ene>it L In(rea=e in ri=B (o&er C50K

o> Su$ 2==ured a>ter e&ery 5 year=D L Freedo$>ro$ %re$iu$ %ay$ent in la=t %oli(y year L/oule 2((ident 8ene>it u%to %re$iu$ %ayingter$

C2D S1VIV2 8##FITS : P2 )0!")5C)D2FT#1 0* ;#21S 30K 4F S.2.2FT#1 0+ ;#21S 30K 4F S.2.2FT#1 ) ;#21S *0K 4F S.2.2FT#1 )5 ;#21S 84S

C8D 4 /#2T- : PERIOD IN YEARS)"5 !")0 ))")5

2T12 S.2. ).5 S.2. S.2. 2I/#T : 2dditional Su$ 2==ured i= %ayale during the

%re$iu$ %aying ter$ A 8onu= 2((rued u%tothe date o> death

PLAN G:=@ 9EEVAN SUR/5I J 0IT5 PROFIT3NE0 MONEY /AC6 PLAN4

IS12# T;P# : 64#; 82< P2

6II66 2E# #T1; : )* ;#21S

62I66 2E# #T1; : 50 ;#21S

P4I; T#16 : 0 ;#21S

P1#6I6 P2;IE T#16 : )5 ;#21S

62I66 62T1IT; 2E#: 70 ;#21S

6II66 S6 2SS1#/ : 1=. 50000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;; : 3K -;: ).5K

4"6#/I2 : E##12: 4

: SP#I2: ;#S

F#62# : 2T#E41; I, II

2E# P144F : ST/

/28 : ;#S

P4I; 42 : 4

3


37/83

-4SIE 42 : ;#S

F416 4. : 300 3*0

BENEFITS : 2 &ery %o%ular $oney a(B %lan @ith

in(rea=ing ri=B (o&er a>ter e&ery 5 year=.Pre$iu$ %ay$ent i= >or le==er %eriod than ter$

o> the %oli(y. L #arly return= L In(rea=ed=ur&i&al ene>it L In(rea=e in ri=B (o&er C50Ko> Su$ 2==ured a>ter e&ery 5 year=D L Freedo$>ro$ %re$iu$ %ay$ent in la=t %oli(y year L/oule 2((ident 8ene>it u%to %re$iu$ %ayingter$

C2D S1VIV2 8##FITS : P2 )07"0C)5D2FT#1 0* ;#21S 5K 4F S.2.2FT#1 0+ ;#21S 5K 4F S.2.

2FT#1 ) ;#21S 5K 4F S.2.2FT#1 )5 ;#21S 5K 4F S.2.

2FT#1 0 ;#21S 84SC8D 4 /#2T- : PERIOD IN YEARS 2T12 )"5 !")0 ))")5 )!"0

S.2. ).5 S.2. S.2. .5 S.2.2I/#T : 2dditional Su$ 2==ured i= %ayale during the

%re$iu$ %aying ter$ A 8onu= 2((rued u%tothe date o> death

PLAN G:=> 9EEVAN SUR/5I J 0IT5 PROFIT3NE0 MONEY /AC6 PLAN4

IS12# T;P# : 64#; 82< P2

6II66 2E# #T1; : )* ;#21S

62I66 2E# #T1; : *5 ;#21S

P4I; T#16 : 5 ;#21S

P1#6I6 P2;IE T#16 : )+ ;#21S

62I66 62T1IT; 2E#: 70 ;#21S 6II66 S6 2SS1#/ : 1=. 50000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;; : 3K -;: ).5K

4"6#/I2 : E##12: 4

: SP#I2: ;#S

F#62# : 2T#E41; I, II

2E# P144F : ST/

3


38/83

/28 : ;#S

P4I; 42 : 4

-4SIE 42 : ;#S

F416 4. : 300 3*0

BENEFITS : 2 &ery %o%ular $oney a(B %lan @ithin(rea=ing ri=B (o&er a>ter e&ery 5 year=.Pre$iu$ %ay$ent i= >or le==er %eriod than ter$o> the %oli(y. L #arly return= L In(rea=ed=ur&i&al ene>it L In(rea=e in ri=B (o&er C50Ko> Su$ 2==ured a>ter e&ery 5 year=D L Freedo$>ro$ %re$iu$ %ay$ent in la=t %oli(y year L/oule 2((ident 8ene>it u%to %re$iu$ %ayingter$

C2D S1VIV2 8##FITS : P2 )0+"5C)+D2FT#1 0* ;#21S 0K 4F S.2.

2FT#1 0+ ;#21S 0K 4F S.2.2FT#1 ) ;#21S 0K 4F S.2.2FT#1 )5 ;#21S 0K 4F S.2.2FT#1 )+ ;#21S 0K 4F S.2.2FT#1 5 ;#21S 84S

C8D 4 /#2T- : PERIOD IN YEARS 2T12 )"5 !")0 ))")5 )!"0 )"5

S.2. ).5S.2. S.2. .5 S.2. 3 S.2.2I/#T : 2dditional Su$ 2==ured i= %ayale during the

%re$iu$ %aying ter$ A 8onu= 2((rued u%to

the date o> death

PLAN G:: 9EEVAN AAD5AR PLAN 0IT5OUT PROFIT

IS12# T;P# : I6IT#/ P2;6#T -4# IF#

6II66 2E# #T1; : ;#21S

62I66 2E# #T1; : !0 ;#21S

6II66 T#16 : )0 ;#21S 62I66 T#16 : 35 ;#21S C)0,)5,0,5,30,35D

62I66 62T1IT; 2E#: 70 ;#21S

6II66 S6 2SS1#/ : 1=. 50000

62I66 S6 2SS1#/ : 5 2S

64/# : 2

1#82T# F41 64/# : ;; : 3K -;: ).5K

4"6#/I2 : E##12: 4

: SP#I2: 4 /28 : ;#S

3


39/83

2E# P144F : ST/

P4I; 42 : 4

-4SIE 42 : 4

BENEFITS : #=%e(ially de=igned >or handi(a%%ed

de%endent=. lai$ a$ount i= %ayale %artly in

lu$% =u$ and %artly in the >or$ o> an annuity.

In(o$e ta? relie> under Se(. +0//2 i= al=o

a&ailale. L S.2. A Euaranteed addition= A

Ter$inal addition= 0K o> the ene>it @ill e in

lu$% =u$ +0K o> ene>it @ill e in 2nnuity

(ertain >or )5 year= A there a>ter li>e ti$e to

handi(a%%ed de%endent. I> handi(a%%ed

de%endent %redi(ating i>e 2==ured .2. @ill

ha&e o%tion to Bee% %oli(y (ontinue >or redu(ed

S.2. or re>und o> %re$iu$

4 /#2T- 4F .2. : 8ene>it= to e=tate o> i>e 2==ured

L 2 tru=t (an e no$inee

L Pay$ent (an e $ade to tru=t

PLAN G:?? 9EEVAN MITRA TRIPLE COVER ENDO0MENTASSURANCE PLAN J 0IT5 PROFIT

IS12# T;P# : #/46#T P2

6II66 2E# #T1; : )+ ;#21S 46P#T#/

62I66 2E# #T1; : 50 ;#21S 8/

6II66 T#16 : )5 ;#21S

62I66 T#16 : 30 ;#21S

62I66 62T1IT; 2E#: 70 ;#21S 8/

6II66 S6 2SS1#/ : 1=. 50000

62I66 S6 2SS1#/ : /4I C /#P#/S 4 I46#D

64/# : 2

3


40/83

1#82T# F41 64/# : ;; : 3K -;: ).5K

4"6#/I2 : E##12: 4

: SP#I2: ;#S

F#62# : 2T#E41; I, II

2E# P144F : ST/ S2P " I

/28 : ;#S

P4I; 42 : ;#S

-4SIE 42 : ;#S

F416 4. : 300

BENEFITS :

C2D 4 62T1IT; : S6 2SSS1#/ A 21#/ 84S

C8D 4 /#2T- : C)D 2T12 /#2T-:T1IP# T-# S6 2SS1#/ A 21#/ 84S

CD IT- /28 C2I/#T2 /#2T-DF41 TI6#S 4F S6 2SS1#/ A 21#/ 84S

CD P#162#T

/IS28IIT; 8##FIT : 4 F1T-#1 P1#6I6S T4 8# P2I/ IF

P#162#T /IS28IIT; 41S

1ITI2 I#SS 1I/#1: ;#S

T#16 1I/#1 : 4

PLAN G:? 9EEVAN VIS50AS 0IT5 PROFIT

IS12# T;P# : i$ited %ay$ent #ndo@$ent Ty%e

F41 1#E21 I46# T4 -2/I2PP#/ /#P#/2T

6II66 2E# #T1; : 0 ;#21S

62I66 2E# #T1; : !5 ;#21S

6II66 T#16 : )0 ;#21S

62I66 T#16 : *0 ;#21S

62I66 62T1IT; 2E#: 75 ;#21S 6II66 S6 2SS1#/ : 1=. 50000

4


41/83

62I66 S6 2SS1#/ : /4I C /#P#/S 4 I46#D

64/# : ##PT 6; SSS

1#82T# F41 64/# : ;; : 3K -;: ).5K

4"6#/I2 : E##12: ;#S

: SP#I2: ;#S

F#62# : 2T#E41; I, II, III

2E# P144F : ST/ 4 ST/

/28 : ;#S

P4I; 42 : 4

-4SIE 42 : 4

F416 4. : 300

BENEFITS : Thi= %lan %ro&ide= ri=B (o&er on the li>e o>

the read @inner and a regular in(o$e to thehandi(a%%ed de%endant =e(urity to thehandi(a%%ed de%endantOn Mat"r#ty2S.2.A Euaranteed addition=A oyalty 2ddition=

On Death2S.2. A Euaranteed addition=and oyalty 2ddition= 0K o> 8ene>it @ill e%aid in lu$% =u$ and +0K o> 8ene>it @ill e

>or i$$ediate annuity to handi(a%%edde%endant L I> handi(a%%ed de%endant die=e>ore li>e a==ured, li>e a==ured @ill ha&e o%tionto S.2. or to Bee% %oli(y in >or(e annuity @ille =a$e a= ao&e

PLAN G:@ NE0 9EEVAN SURA6S5AG:PLAN G:> NE0 9EEVAN D5ARAG: 0(E(F( :G;G;==;

IS12# T;P# : 2IT; P2S CP#SI4 P2SD

6II66 2E# #T1; : )+ ;#21S 8/

62I66 2E# #T1; : !5 ;#21S 8/

6II66 V#STIE 2E# : 50 ;#21S 8/

62I66 V#STIE 2E# : 79 ;#21S 8/

6II66 /#F#16#T P#1I4/ : 0 ;#21S

4


42/83

62I66 /#F#16#T P#1I4/ : 35 ;#21S

6II66 4TI42 2S- 4PTI4: 1=. 50000 F41 1#E21 P1#6 P4S.

6II66 SIE# P1#6I6 : 1=. )0000"

6II66 ;#21; P1#6I6 : 1=. 500"

6II66 2IT; IST26#T : 1=. 50"

64/# 4F 2IT; P2;6#T : ;;, -;, H; 6;

2E# P144F : ST/ 2E# P144F 1#HI1#/

F#62# : 2T#E41; I, II

1#VIV2 : ;#S

T#16 1I/#1 : 24#/

2IT2T P14P4S#1 : ##/ 4T 8# S26#

I ST2FF 1#82T# : 5K o> Taular annual %re$iu$, K on

Single Pre.

F416 4. : **0 C1#VIS#/D

P4I; 42 : 4

2SSIE6#T : 4

T#16 1I/#1 : ;#S 2S P#1 T#16 1I/#1 1#S

64/# 4F P1#6I6 P2;6#T : 2 I/IE SSS SIE# P1#6

1#82T#S 4 64/# : ;; ' .!K, -;' ).3K 2/ H; '

0.5K

1#82T# F41 21E# 2S- 4PTI4 : T-IS 1#82T# IS 2V2I28# /#1T-# P2SL 2nnuity rate= @ill e that a&ailaleunder e@ ee&an 2B=haya Plan L 4%tion >orthe annuity ty%e= i= to e e?er(i=ed at lea=t! $onth= e>ore the date o> &e=ting L S%e(ial=urrender &alue: In (a=e o> ;; $ode 90K o>

all %re$iu$= %aid e?(luding the >ir=t year%re$iu$ and all e?tra %re$iu$=. In (a=e o>

=ingle %re$iu$ %lan 90K o> the =ingle%re$iu$ %aid.

ontinuedQ..3PLAN NO :@4

QQ

BENEFITS : C2D 4 V#STIE : The otional a=h4%tion together @ith 8onu=e= Ci> anyD @ith

or @ithout 5K (o$$utation @ill e(o$%ul=orily (on&erted into annuity ha&ing

>ollo@ing o%tion=

2IT; F41 IF# : " 2nnuity >or li>e @ith guaranteed

4


43/83

%eriod o> 5,)0,)5,0 year= " oint li>eand la=t =ur&i&or annuity to theannuitant and hi=her =%ou=e, under@hi(h annuity %ayale to the =%ou=e ondeath o> the %ur(ha=er @ill e 50K o>that %ayale to the annuitant

" i>e annuity @ith return o> %ur(ha=e %ri(e" 2nnuity >or li>e in(rea=ing at a =i$%le rate o> 3K %er annu$C8D /1IE /#F#16#T : in (a=eo> death o> annuitant during thede>er$ent %eriod : re>und o> all%re$iu$= %aid Ce?(luding ter$a==uran(e %re$iu$ and e?tra %re$iu$ i>anyD a((u$ulated at the rate o> 5K %.a.(o$%ounding or at =u(h rate= a= de(ided

y the or%oration >ro$ ti$e to ti$e @ille %aid to the no$inee. I> Ter$ 1idero%tion o%ted Ter$ 1ider Su$ 2==ured i=al=o %ayale.

PLAN G:B 9EEVAN ANAND 0IT5 PROFIT

IS12# T;P# : 468I2TI4 4F #/46#T -4# IF# P2

6II66 2E# #T1; :)+ ;#21S 46P#T#/

62I66 2E# #T1; :!5 ;#21S 8/

6II66 T#16 :5 ;#21S

4


44/83

62I66 T#16 :57 ;#21S

62I66 62T1IT; 2E#: 75 ;#21S 8/

6II66 S6 2SS1#/ : 1=. )00000

62I66 S6 2SS1#/: /4I C/#P#/S 4 I46#D

64/# : 2

1#82T# F41 64/# : ;; : 3K -;: ).5K

4"6#/I2 : E##12: ;#S

: SP#I2: ;#S

F#62# : 2T I,II,III

2E# P144F : ST/4 ST/

/28 : I I TP 62. 5 2ter u% to age 70

P4I; 42 : ;#S

-4SIE 42 : ;#S

F416 4. : 300 C1#VD

BENEFITS :L 8a=i(ally the %lan i= a (o$ination o> the

hole i>e Plan and #ndo@$ent Plan L 4n =ur&i&al o> the ter$ 8a=i( Su$

2==ured A 1e&er=ionary 8onu= A Finaladditional onu= i= %ayale, ut the ri=B (o&er onthe li>e (ontinue= till death

L Pre$iu$= are %ayale during the #ndo@$ent ter$ or until death, @hi(he&er i= earlier

/#2T- 8##FIT : Su$ 2==ured along@ith &e=ted onu=e= are %ayale on death during the ter$ and

%oli(y (ea=e=. 2n a$ount eMual to S.2. i=%ayale i> death o((ur= a>ter the %re$iu$%aying ter$ Cno onu= i= %ayaleD

1ITI2 1I/#1 : ;#S

PLAN G:B 6OMAL 9EEVAN 30(E(F( :G::G;==;4

IS12# T;P# : -I/1# 64#; 82< P2 IT-

E212T##/ 2//ITI4 6II66 2E# #T1; : 0 ;#21 8/

4


45/83

62I66 2E# #T1; : )0 ;#21S 8/

62T1IT; 2E# : ! ;#21S 8/

64/# : ;;,-;,H;,SSS SIE# P1#6I6

6II66 S6 2SS1#/ : 1=. )00000 T-#1#2FT#1 I 6TIP# 4F

1=.5,000 62I66 S6 2SS1#/ : 1=. 5,00,000 @ithin the o&erall

%er$i==ile li$it o> 1=.50 laBh= 64/# 1#82T# : ;; K, -; )K

6#/I2 #26 : 4

/28 : 4

2E# P144F : ST/

P4I; 42 : 4

1#VIV2 : ;#S

6II66 T#16 : 0+ ;#21S

62I66 T#16 : )+ ;#21S

P14P4S2 F416 : 3!0

P14P4S#1 : Father or 6other CFe$ale (at"I,IID oregal guardian Ci> %arent= are not ali&eD

P4I; 2S 2 EIFT : lo=e relati&e= (an gi>t Single Pre$iu$

%oli(y under thi= %lan. #&en in (a=e o> gi>t%ro%o=er =hould e either >ather or $other orlegal guardian a= the (a=e $ay e

466##6#T 4F 1ISter year= >ro$ date o>

(o$$en(e$ent o> the %oli(y or >ro$ the %oli(yanni&er=ary i$$ediately >ollo@ing the(o$%letion o> 7 year= o> age

P2I/"P V2# : 2>ter %ay$ent o> 3 >ull year= %re$iu$ S11#/#1 V2# : 2>ter %ay$ent o> 3 >ull year= %re$iu$

E212T##/

S11#/#1 V2# : C)D 8#F41# T-# /2T# 4F466##6#T 4F 1IS the %re$iu$= %aide?(luding the %re$iu$= %aid during the>ir=t year

CD 2FT#1 T-# /2T# 4F 466##6#T4F 1IS the %re$iu$= %aid

e>ore the date o> (o$$en(e$ent o> ri=Be?(luding the %re$iu$= %aid duringthe >ir=t %oli(y year %lu= 30K o> the%re$iu$= %aid a>ter the date o>(o$$en(e$ent o> ri=B

(ontedQQ

PLAN NO( :BQ..Q.

C3D SIE# P1#6I6 P4I;: 90K o>the =ingle Pre$iu$ E.S.V i= =uje(t

4


46/83

to dedu(tion= o> in=tal$ent ene>it=,e?tra %re$iu$= and rider %re$iu$=

BENEFITS :

C2D S1VIV2 8##FIT : i>e a==ured attaining age )+ year= 0K o> S.2. i>e a==ured attaining age 0 year= 0K o> S.2.

i>e a==ured attaining age year= 30K o> S.2.

i>e a==ured attaining age * year= 30K o> S.2.

C8D E212T##/ 2//ITI4: 1=.75 %er )000 S.2. %er annu$ @ill e%ayale on death or on $aturity Ci.e. on %oli(yanni&er=ary i$$ediately a>ter the .2. attain=age o> ! year=D

CD 4;2T; 2//ITI4 : i= %ayale on $aturity or early deathde%ending u%on the e?%erien(e o> theor%oration. o loyalty addition @ill e %ayalein =urrendered or di=(ounted or $ade %aid u%e>ore date o> $aturity or the date o> death.

C/D /#2T- 8##FIT : In (a=e o> death o> the .2. e>ore the(o$$en(e$ent o> ri=B, the %oli(y =hall=tand (an(elled and %re$iu$ %aid C#?(ludingthe %re$iu$ @ai&er ene>it and ter$ rider%re$iu$=D under the %oli(y @ill e re>unded in>ull.-o@e&er, i> death o((ur= a>ter (o$$en(e$ento> ri=B ut e>ore %oli(y $ature= the >ull S.2.together @ith guaranteed addition= i= %ayale@ithout any dedu(tion or adju=t$ent >or thea$ount that $ay ha&e een %aid earlier y @ayo> =ur&i&al ene>it=.

C#D P1#6I6 2IV#18##FIT : The %ro%o=er only Cnot the donorD u%to

the age 50 8/ (an a&ail o> thi= ene>it. Thede>er$ent %eriod i= taBen a= )+ year= $inu=age at entry.

CFD T#16 1I/#1 8##FIT : The %ro%o=er only Cnot the donorD to thee?tent o> 0K o> the a=i( S.2. under the%oli(y not e?(eeding 1=. )00000" The ene>it@ill e %ayale in (a=e the %ro%o=er die= e>orethe (hild attain= age )+ year= 8/

IS12# T;P# : #/46#T 6II66 2E# #T1; : )+ ;#21S 46P#T#/

4

PLAN G:; LICKS 9EEVAN S5REEG: 30(E(F( :GBG;==?4


47/83

62I66 2E# #T1; : !5 ;#21S 8/

6II66 T#16 : 05 ;#21S

62I66 T#16 : 5 ;#21S

62I66 62T1IT; 2E#: 75 ;#21S 8/

6II66 S6 2SS1#/ : 1=. 500000Ctherea>ter in $ulti%le o> 1=. ) laBhD

62I66 S6 2SS1#/: /4I C/#P#/S 4 I46#D 64/# : 2 64/#S ##PT 6; A SIE# P1#6I6

1#82T# F41 64/# : ;;: K -;:)K

1#82T# F41 -IE- S2 : F41 S2 50 2or

regular %re$iu$ and 1=. .00 K0 >or =ingle%re$iu$. o #IS reate

4"6#/I2 : E##12: 4

: SP#I2: ;#S 4ST 4F 6#/I2 #26 I 8# 841 8; I

S8#T T4 2 I6IT 4F 1S. * K0 S2 4F T-#82SI P2

F#62# : 2T#E41; I, II 2E# P144F : ST/

P4I; 42 : ;#S

1#VIV2 : ;#S

-4SIE 42 : ;#S

/28 : ;#S $a?i$u$ li$it 50 laBh= Cin(lu=i&eD

F41 P4I; T#16 41 PT4 2E# 70 ;#21S P14P4S2 F416 : 300

82< /2TIE : ;#S, allo@ed

P1#6.P2;IE T#16 : P4I; T#16 P1#6.P2;IE T#16 I ;#21S

05 ;#21S ),,3)0 ;#21S ),,3,*,!)5 ;#21S ),,3,*,!,+,)00 ;#21S ),,3,*,!,+,)0,)5 ;#21S ),,3,*,!,+,)0,),)!

P2I/ P V2# : C)D F41 PPT )0 ;#21S 41 #SS 2FT#1 ) ;#21

CD F41 PPT 641# T-2 )0 ;#21S 2FT#1 ;#21S

ESV : 2FT#1 P2;6#T 4F 3 ;#21S P1#6I6

30K 4F P1#6I6S P2I/ #/IE FI1STP1#6I6 2/ #T12 P1#6I6. I 2S# 4FSIE# P1#6I6 90K 4F S.P. #/IE

P1#6I6 F41 4PTI42 8##FITS 2/#T12 IF 2;

SP#I2 S11#/#1

V2# : 2FT#1 P2;6#T 4F ) ;#21S P1#6I6 CS8#T T4 ))0 T- 4F T4T2 P1#6I6D

4T/Q

PLAN NO( :;QQ

4


48/83

T12SF#128IIT; : T-IS P4I; /#1


49/83

IS12# T;P# : P1# T#16 2SS12# P2

6II66 2E# #T1; : )+ ;#21S 46P#T#/

62I66 2E# #T1; : 55 ;#21S 8/

62I66 62T1IT; 2E#: !5 ;#21S

6II66 T#16 : 5 ;#21S

62I66 T#16 : 5 ;#21S

6II66 S6 2SS1#/ : 1=. 500000

62I66 S6 2SS1#/: #SS T-2 1=. 5 2 S2 F41 S2 5 la(= ao&e

1#82T# F41 ST2FF : )0K o> Ta. Pre$. For ;; -; $ode

>or SP K o> Ta. Pre$.

F#62# : 2T I,II

2E# P144F : ST/

4"6#/I2 : 4

6#/I2 : ;#S

P2I/ P V2# : 4

S11#/#1 V2# : 4

P4I; 42 : 4

E12# P#1I4/ : )5 /2;S

F416 4. : 300 C1#VD

BENEFITS : Thi= i= a %ure ter$ a==uran(e %lan%ro&iding ri=B (o&er at a &ery lo@ (o=t.C2D 4n /eath : /uring the ter$ o> the

%oli(y S.2. i= %ayaleC8D 6aturity : I

4


50/83

PLAN G: 9EEVAN SARAL 30IT5 PROFIT4

IS12# T;P# : 4V#TI4 P2 -I- P14VI/#S -IE- 1ISor entry age u%to *9 year=

: 1=.*00 %er $onth >or entry age 50 year= and ao&e

62I66 P1#6I6 : 1=. )0,000" %er $onth

64/# : ;;, -;,H;, SSS

T#16 1I/#1 : 2ge at entry )+ to 50 year= $ini$u$ S.2. 1=. ) la(

1#82T# F41 64/# : ;; : K -;: )K

21E# S.2. 1#82T# : I

#IS 1#82T# : )0K 4F T.2.

/28 : ;#S

82< /2TIE : ;#S

S11#/#1 V2# : 2>ter 3 year=

E.S.V. : 30K o> total %re$iu$= %aid e?(luding >ir=t

year and e?tra %re$iu$= %aid

P2I/ P V2# : 2>ter 3 year=

P21TI2 S11#/#1 : 2llo@ed

2T4 4V#1 : 2&ailale >or one year >ro$ FP Ci> 3 year=

%re$iu$= are %aidD

P4I; 42 : ;#S

F416 4. : 300 3*0

BENEFITS :

C2D 62T1IT; : S.2. A 4;2T; 2//ITI4

C8D/#2T- : C50 64T-; 82SI P1#6I6D

A C1#T1 4F P1#6I6S P2I/ #/IE

FI1ST ;#21 2/ #T121I/#1 P1#6I6SD

A C4;2T; 2//ITI4D

'


51/83

PLAN G:@ LICKS 9EEVAN PRAMU65 30IT5 PROFIT4

IS12# T;P# : #/46#T

6II66 2E# #T1; : )+ ;#21S 46P#T#/

62I66 2E# #T1; : !5 ;#21S 8/

62I66 62T1IT; 2E#: 75 ;#21S 8/

P4I; T#16 : 5,)0,)5,0 41 5 ;ear=

P1#6. P2;IE T#16 : 3, * 2/ 5 ;#21S

6II66 S6 2SS1#/ : 1=. )0 aBh=

62I66 S6 2SS1#/: 4 I6IT Cthe S2 =hall e in $ulti%le o>

1=. ) la(D

1#82T# F41 64/# : ;;: K o> the Ta. Pre$." -; : )K o> Ta. Pre$

H;: I, 6;: 5K e?tra o> Ta. Pre$.

21E# S2 1#82T# : %to in(luding 1=. 50 laBh=: il 2o&e 1=.50 laBh=: 1=.0.50 %er )000 S2

#IS 1#82T# : 3K o> Ta. Pre$.

E212T##/ 2//ITI4S: ' 1=.50" %er thou=and %er year >or>ir=t 5 year=

P21TIIP2TI4 I P14FITS: Fro$ !th%oli(y year on@ard=

P2I/ P V2# : ;e=, a>ter one year

S11#/#1 V2# : ;e=, a>ter one year

BENEFITS :

C2D 62T1IT; : S.2.A Euaranteed 2ddition A Ve=ted 8onu= ATer$inal 8onu= Ci> anyD

C8D /#2T- : S.2.A Euaranteed 2ddition A Ve=ted 8onu= ATer$inal 8onu= Ci> anyD

42 : ;#S

/#11ITIE : 2ll under@riting rule= @ill e the =a$e a= that

a%%li(ale to #ndo@$ent 2==uran(e Plan=

2E# P144F : 4nly Standard age %roo> i= a((e%tale

2I/#T 8##FIT : 4

'


52/83

PLAN J :> 9EEVAN ANURA8 30IT5 PROFIT4

IS12# T;P# : #/46#T P2

6II66 2E# #T1; : 0 ;#21S 8/

62I66 2E# #T1; : !0 ;#21S 8/

62I66 62T1IT; 2E#: 70 ;#21S 8/

6II66 T#16 : 5 ;#21S F41 SIE# P1#6I6

)0 ;#21S F41 1#E21 P1#6I6 62I66 T#16 : 5 ;#21S

6II66 S6 2SS1#/ : 1=. 50,000 CT-#1#2FT#1 I 6TIP# 4F 1=. 5000"D

62I66 S6 2SS1#/ : 4 I6IT

64/# : 2 64/#S SIE# P1#6I6

1#82T# F41 64/# : ;; : K -;: )K, 6;: 5K #T12

1#82T# F41 -IE- S.2. : S2 1=.)05000 ao&e 1=. K0 S.2.

4"6#/I2 : E##12: ;#S

: SP#I2: ;#S

2E# P144F : ST/ S2P"I PT4 5 2S Cin(lu=i&e o> all

ter$ in=uran(e %lanD F#62# : 2T I,II,III

P4I; 42 : ;#S

1#VIV2 : ;#S

/28 : ;#S

F416 4. : 300

82< /2TIE : ;#S

P2I/ P V2# : 2FT#1 3 ;#21S P1#6I6

E.S.V. : 2>ter %ay$ent o> 3 year= %re$iu$ 30K o>

Pre$iu$= %aid e?(luding >ir=t year %re$iu$ ande?tra %re$iu$. nder Single Pre$iu$"90K o>%re$iu$= %aid e?(luding e?tra %re$iu$ ando%tionalrider %re$iu$

BENEFITS :

/#2T- 8##FIT : Su$ 2==ured2SS1#/ 8##FIT : 0K o> S2 at =tart o> e&ery year during la=t 3

;ear=

6aturity: *0K o> S.2. A 1e&er=ionaryonu=A ter$inal onu= Ci> anyD

'


53/83

T#16 2SS12# 1I/#1: ;#S 1ITI2 I#SS 4PTI4: ;#S

PLAN G:B 9EEVAN NID5I

IS12# T;P# : #/46#T A /#F#11#/ 2IT; P2

6II66 2E# #T1; : )+ ;#21S 46P#T#/

62I66 2E# #T1; : !5 ;#21S 8/

6II66 T#16

/#F#16#T T#16 : ! ;#21S F41 S.P. 5 ;#21S F41 1#E21 P1#6. 62I66 T#16

/#F#16#T T#16 : 35 ;#21S

6I62 V#STIE 2E# : *0 ;#21S 75 ;#21S 8/

6II66 S6 2SS1#/ : 1=. 50,000

62I66 S6 2SS1#/ : 4 I6IT

64/# : 2 64/#S SIE# P1#6I6

1#82T# F41 64/# : ;;: K, -;: )K

1#82T# F41 S.2. : 1egular: 1=.)05000 to 3 la(=: )K, S.2. ao&e

305000: K

S.P.: )05000 to 3 la(=: 5K, S2 ao&e 305000: )0K

1#82T# F41 ST2FF : K o> SP 1egular Pre$. : .75K

4"6#/I2 : E##12: ;#S : SP#I2: ;#S

F#62# : 2T I,II,III

2E# P144F : ST/4 ST/ @ith e?tra

P4I; 42 : ;#S

1#VIV2 : ;#S ' 9K P.2. IT#1#ST P2;28# -;.

/28 : ;#S

P4I; 42 : 4

P2I/ P V2# : 2FT#1 3 ;#21S

E.S.V. : 2>ter %ay$ent o> 3 year= %re$iu$= 30K o>

%re$iu$= %aid e?(luding >ir=t year %re$iu$ ande?tra %re$iu$. nder Single Pre$iu$"90K o>

%re$iu$= %aid. 1#VIV2 : ;#S

'


54/83

82< /2TIE : ;#S

F416 4. : 300

E212T##/ 2//ITI4S: ' 1=.50" %er thou=and %er year >or

>ir=t 5 year=

P21TIIP2TI4 I P14FITS: Fro$ !th%oli(y year on@ard=

4T/Q.PLAN NO( :B

QQ

BENEFITS :

4 V#STIE : S.2. A E.2. A V#ST#/ 84S A

T#16I2 84S Ci> anyD@ill e (on&erted intoannuity @ith an o%tion to (o$$ute )3 o> thea$ount.

4 /#2T- 8#F41#V#STIE : S.2. A E.2. A V#ST#/ 84S A

T#16I2 84S Ci> anyD 2IT; 4PTI4 : .2. ha= the o%tion to %ur(ha=e annuity >ro$

I or any other in=uran(e (o$%any

T#16 2SS12# 1I/#1: ;#S

1ITI2 I#SS 4PTI4: ;#S

P1#6I6 2IV#1 8##FIT: ;#S

'


55/83

PLANG:@:J /IMA NIVES5 0(E(F( ;:G=?G;==

IS12# T;P# : SIE# P1#6I6

6II66 2E# #T1; : )3 ;#21S 46P#T#/

62I66 2E# #T1; : 70 ;#21S

T#16 : 5 2/ )0 ;#21S

62I66 62T1IT; 2E# : 75 ;#21S

6II66 S6 2SS1#/ : 1=. 5000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : SIE# P1#6I6

P1#6I6 12T# : 1S. 995 F41 5 ;#21S T#16 2/

1S. 97! F41 )0 ;#21S T#16 F41

S.2. 1S. )000.

F416 4. : 300 3*0

P4I; 42 : ;#S , 2FT#1 ) ;#21

-IE- S.2. 1#82T# : F41 5000) to ) 2S " ) K o> Pr$ in

e?(e== o> 1=. 50000 and ao&e ) a(

1=. 500 A ).5 K o> Pr$ in e?(e== o> 1=. ) la(

1#82T# T4 ST2FF : K 4F T2821 P1#6I6

BENEFITS :

C2D 4 62T1IT; : S.2. A Euaranteed 2ddition A oyalty 2diitionC8D 4 /#2T- : S.2. A Euaranteed 2ddition A Ter$ rider S.2. Ci> o%ted D

T#16 1I/#1 : ;#S 2ge at #ntry : )+ to 50 year=

'


56/83

6a? 6aturity age : !0 year= 6ini$u$ S.2. : ) a( 6a? S.2. : S.2. =u to 50 a(=

82< /2TIE : ;#S

E12T##/ 2//ITI4 :iDFor 5 year Ter$ : 1=. 50 %er thou=and %er year

iiD For )0 year Ter$ : 1=. 55 %er thou=and %er year

PLANG:@ G /IMA /AC5AT 30(E(F :G::G;==4

IS12# T;P# : 64#; 82< P2

6II66 2E# #T1; : )5 ;#21S C46P#T#/D

62I66 2E# #T1; : !! ;#21S 8/

T#16 : 9, ) 41 )5 ;#21S

62I66 62T1IT; 2E# : 75 ;#21S 8/

6II66 S6 2SS1#/ : 1=. 0000 C I 6TIP#S 4F 1S.5000 D

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : SIE# P1#6I6

S.2. 1#82T# : U 50,000 il, 50,000 to le== than ) la(=

" 5 K, ) la(= to e== than la(= " 7K,

la=( ao&e " +K

4"6#/I2 : ;#S

F#62# : 2T#E41; I, II, III

2E# P144F : ST2/21/ 4"ST2/21/

/28 : 4

P4I; 42 : ;#S

-4SIE 42 : 4

F416 4. : 300 3*0

BENEFITS :

C2D S1VIV2 8##FITSF41 P4. T#16 . 9 ;1S : )5K o> S.2. at the end o> ea(h 3rd !T-

'


57/83

%oli(y year F41 P4. T#16 ) ;1S : )5K o> S.2. at the end o> ea(h 3rd, !T-

9th %oli(y year F41 P4 T#16 )5 ;1S : )5K 4F S.2. at the end o> ea(h 3rd, !T-,

9th )th%oli(y year.

C8D 4 62T1IT; : SIE# P1#6I6 P2I/ C#/IE #T12 P1#6I6D A 4;2T; 2//ITI4.CD 4 /#2T- : S6 2SS1#/C/D S11#/#1 V2# : 2FT#1 ) ;#21C#D E12T##/ S.V. : 90 K 4F Single %re$iu$ e?(luding

e?tra %re$iu$ %aid =ur&i&al ene>it= %aid.

PLAN G:@> LICKS 9EEVAN TARAN8 30IT5 PROFIT40(E(F( :@


58/83

)0K o> 1egular %re$iu$ >or PPT: )5 0 yr= 4"6#/I2 : E##12: ;#S, SP#I2: ;#S

F#62# : 2T#E41;: I, II III C@ith re=tri(tionD

6I41 IV#S : 2ge entry u%to )0 year=

o$%leted: o 6edi(alS%e(ial re%ort= ageentry greater than )0 year=

o$%leted: 6edi(al A S%e(ial re%ort= a=ed onS

P2I/"P V2# : 2FT#1 3 ;#21S

E212T##/ S.V. : C2D /1IE 262TI4 P#1I4/:L >or Single Pre$iu$ %oli(ie=:" a>ter ) year 90Ko>

S.P. e?(luding all rider e?tra %re$. Plu= (a=h &alue

o> &e=ted onu=e= Ci> anyDL >or 1egular Pre$iu$ %oli(ie=:" a>ter 3 year=

30K o> the total a$ount o> Pre$iu$= %aid e?(luding>ir=t year %re$iu$ e?tra %re$.

4TI#/Q..Q

PLAN NO(:@>

I> the age at entry o> the .2. i= le== than or eMualto ) year=, the ESV @ill e:

L 8e>ore (o$$en(e$ent o> ri=B: 90K o> the total%re$iu$= %aid Ce?(luding >ir=t year e?tra %re$.D

L 2>ter (o$$en(e$ent o> ri=B: 90K o> the total%re$iu$= Ce?(luding >ir=t year e?tra %re$iu$D%aid e>ore (o$$en(e$ent o> ri=B and 30K o>%re$iu$= %aid Ce?(luding any e?tra=D a>ter the(o$$en(e$ent o> ri=B.

C8D 2FT#1 262TI4 P#1I4/: +5K4F T-# 82SI S.2.

1#VIV2 : ;#S

82< /2TIE : ;#S

F416 4. : 300, 3*0, 3!0

BENEFITS :

C2D S1VIV2 8##FITS : ). 2t the end o> a((u$ulation %eriod: Ve=ted8onu=

. 5 K o> the S.2. @ill e %ayale on=ur&i&al to the end o> ea(h year a>ter thea((u$ulation %eriod.

C8D 62T1IT; 8##FITS : On &omplet#on of :== year of a*eS.2. A oyalty 2ddition

CD /#2T- 8##FITS : D"r#n* A&&"m"lat#on per#o%S.2. A Ve=ted 8onu=

'


59/83

After the A&&"m"lat#on per#o% S.2. A oyalty 2ddition

" i>e 2==ured i= aged le== than or eMual to) year=:

1eturn o> Pre$iu$= %aid @ithoutany intere=t.

""""""""""

PLAN G:@B LICKS NE0 /IMA 8OLD 30IT5 PROFIT40(E(F( or ter$ )! year=: *5 ;#21S 8/ >or ter$ 0 year=

2E# 2T #PI1; 4F

#T#/#/ T#16 : 62I66 75 ;#21S 8/ 6II66 S6 2SS1#/ : 1=. 50000 Ctherea>ter in $ulti%le= o> 1=.5000D

62I66 S6 2SS1#/ : 4 I6IT

P4I; T#16 : ), )! 2/ 0 ;#21S

64/# : ;;, -;, H; 2/ 6;

64/# 1#82T# : ;; K, -; )K, 6; 5K #T12

-IE- S.2. 1#82T#S : e== than 1=. ) laBh: I

1=. )laBh or $ore ut le== than 1=. laBh= : 1=. 5Ko S.2., 1=. laBh= ao&e : 1=. 7.5Ko

S.2. #IS 1#82T# : )0K o> T.P.

P2I/ P V2# : 2FT#1 3 ;#21S

P4I; 42 : ;#S

'


60/83

4"6#/I2 : E##12: ;#S, SP#I2: ;#S

F#62# : 2T#E41;: I, II III

2T4 4V#1 : ;e=, u% to year= >ro$ FP Ci> at lea=t t@o

Full year= %re$iu$= ha&e een %aidD

4;2T; 2//ITI4S : 2t the ti$e o> 6aturity Cone ti$eD de%ending

%on the e?%erien(e o> the or%oration /28 : ;e=, a&ailale during the ter$ o> the %oli(y

8ut not a%%li(ale during the e?tended ter$

#T#/#/ T#16 : -2F 4F T-# P4I; T#16

2E# P144F : ST2/21/

/#11ITIE : Sa$e a= >or #ndo@$ent Plan

4TI#/QPlanG:@B

2 ; 2

E212T##/ S.V. : 2>ter 3 year=, 30K o> total %re$iu$= %aid#?(luding >ir=t year %re$iu$, all e?traPre$iu$= %aid, /28 %re$iu$ and the a$ount o> =ur&i&al

ene>it= %aid earlier.

BENEFITS :

C2D /eath 8ene>it= : /uring the Poli(y ter$: S.2. /uring the e?tended Ter$: 50K o> S.2.

C8D Sur&i&al 8ene>it= : For pol#&y term :; year2)5K o> the S.2. at the end o> ea(h *th, +thPoli(y ;r.

For pol#&y term : year2)5K o> the S.2. at the end o> ea(h *th, +th )thPoli(y year

For pol#&y term ;= year2)0K o> the S.2. at the end o> ea(h *th, +th)th)!thPoli(y year

On exp#ry of Pol#&y Term2

Total a$ount o> Pre$iu$= %aid , C#?(luding e?trao%tional rider %re$iu$=, i> anyD %lu= loyalty addition=, i> any, le== the a$ount o> =ur&i&al ene>it= %aid earlier.

1#VIV2 : ;#S

F416 4. : 300 or 3*0

1ITI2 I#SS 1I/#1: 4

(


61/83

T#16 1I/#1 : 4

""""""""""

PLAN G:> LICKS C5ILD CAREER PLAN 0IT5 PROFITS

IS12# T;P# : -I/1# P2

6II66 2E# #T1; : 00;#21S 8/ 62I66 2E# #T1; : ) ;#21S 8/

6II66 62T1IT; 2E# : 3 ;#21S 8/

62I66 62T1IT; 2E#: 7 ;#21S 8/

6II66 S6 2SS1#/ : 1=. )00000

62I66 S6 2SS1#/ : 1=. ) 141#CI 6TIP# 4F 1=. 5000D

P4I; T#16 : )) T4 7 ;#21S

P1#6I6 P2;IE T#16 : ! ;#21S P4I; T#16 #SS 5 ;#21S

64/# : ;;, -;, H;, SSS

1#82T# F41 64/# : ;; : K -;: )K

F#62# CP14P4S#1D : 2T I, II

2E# P144F : ST/

: S-44 E4IE P144F IF 2E# IS 5 ;#21S 41641#

2T4 4V#1 : F41 ;#21S C2FT#1 ;#21SD

P1#6I6 2IV#1 8#I : ;#S

82< /2TIE : ;#S

P4I; 42 : 4

-4SIE 42 : 4

2SSIE6#T : 4, 8T 24#/ 2FT#1 V#STIE

SI/# 2S# : ot a%%li(ale >or the a=i( Plan ut

2%%li(ale >or o%tional P8 #T#/#/ T#16 : 7 ;ear= >ro$ the date o> e?%iry o> Poli(y

(


62/83

Ter$. Co %re$iu$= are %ayale during thee?tended ter$ o> PlanD

FOR PROPOSER 3IF P0/ IS OPTED FOR46II66 2E# #T1; : )+ ;#21S 8/62I66 2E# #T1; : 55 ;#21S 8/62. 2E# 2T T-# #/ 4F

P1#6I6 P2;IE T#16 : 70 ;#21S 8/ F416 4. : 3*0 ,3!0

BENEFITS :Thi= %lan i= =%e(ially de=igned to $eet thein(rea=ing edu(ational and other need= >or (hildren 8et@een ) to ) year=. It%ro&ide= 1i=B (o&erage on the li>e o> (hild not only during the %oli(y ter$ utal=o during the e?tended ter$.

Survival Benefit : 4n li>e a==ured =ur&i&ing to the end o> the

=%e(i>ied duration= an a$ount a= =%e(i>ied elo@ i= %ayale:5 year= e>ore the date o> e?%iry o> %oli(y ter$ " 30K o> the Su$ 2==ured along@ith &e=ted Si$%le 1e&er=ionary 8onu=e=

* year= e>ore the date o> e?%iry o> %oli(y ter$ " )5K o> the Su$ 2==ured3 year= e>ore the date o> e?%iry o> %oli(y ter$ " )5K o> the Su$ 2==ured year= e>ore the date o> e?%iry o> %oli(y ter$ " )5K o> the Su$ 2==ured) year e>ore the date o> e?%iry o> %oli(y ter$ " )5K o> the Su$ 2==ured4n the date o> e?%iry o> %oli(y ter$ " )5K o> the Su$ 2==ured along @ith FinalC2dditionalD 8onu=, i> any.

4TI#/Q

..Q PLAN NO(:>

Death Benefit : 4n death a>ter the /ate o> o$$en(e$ent 4> 1i=B CiD I> death o((ur= @ithin the %eriod >ro$ date o> (o$$en(e$ent o> ri=B to 5year= e>ore the date o> e?%iry o> %oli(y ter$: Su$ 2==ured along @ith Ve=tedSi$%le 1e&er=ionary 8onu=e= and Final C2dditionalD onu= Ci> anyD i= %ayale.CiiD I> death o((ur= @ithin 5 year= e>ore the date o> e?%iry o> %oli(y ter$: Su$2==ured along @ith Final C2dditionalD onu= Ci> anyD i= %ayale.

4n death during the #?tended Ter$ " Su$ 2==ured i= %ayale.

4n death e>ore the /ate o> o$$en(e$ent o> 1i=B " 2ll the %re$iu$= %aidCe?(luding %re$iu$ >or e?tra and %re$iu$ @ai&er ene>it, i> any,D along @ith

intere=t o> 3K %.a (o$%ounding yearly =hall e %ayale.

RISK COVER OF THE CHILD2For (hild age entry le== than or eMual to)0 year= 1i=B o$$en(e >ro$either a>ter year= >ro$ /4 or 5 year= age o>2 @hi(he&er i= later. For age entry )0 to ) year= the ri=B =hall (o$$en(e>ro$ the %oli(y anni&er=ary (oin(iding @ith or ne?t >ollo@ing )thirthday o>2. 2ge ) year= or $ore ri=B @ill (o$$en(e i$$ediately.

MATCHING INSRANCE: Parent= In=uran(e @ill not e in=i=ted.

u%to 1=. a(= S.2. CI> P8 i= not o%tedD u%to 1=.5 a(= S.2. CI> P8 i=o%ted >or and allo@edD

Guarantee! Surren!er Value :The %oli(y (an e =urrendered >or (a=h

%ro&ided at lea=t three >ull year=W %re$iu$= ha&e een %aid.

(


63/83

The Guaranteed Surrender Value allowed under this Policy is as under:

i. Before the Date of Commencement of Risk : 9 !ercent of the total amount of the!remiums !aid e"cludin# the !remiums !aid for the first year.

ii. $fter the Date of Commencement of Risk : 9 !ercent of the total amount of the

!remiums !aid %efore the Date of Commencement of Risk& to#ether with ' !ercentof total amount of !remiums as ha(e %een !aid on and after Date of Commencementof Risk e"cludin# the !remiums for the first year.

The Guaranteed Surrender Value calculated a%o(e shall %e su%)ect to followin# deductionof the total amount of sur(i(al %enefits that mi#ht ha(e %ecome due on or %efore the date ofsurrender. *urther all e"tra !remiums and+or any other !remium includin# !remium forPremium ,ai(er Benefit& if any shall not %e considered in the !remiums refunded.Cash Value of any e"istin# (ested %onuses& if any& shall also %e allowed if not !aid earlier.-f less than three full years !remiums ha(e %een !aid under the !olicy& then nothin# shall %e!aya%le.

PLAN G:> LICKS C5ILD FUTURE PLAN 0IT5 PROFITS

IS12# T;P# : -I/1# P2

6II66 2E# #T1; : 00;#21S 8/

62I66 2E# #T1; : ) ;#21S 8/

6II66 62T1IT; 2E# : 3 ;#21S 8/

62I66 62T1IT; 2E#: 7 ;#21S 8/

6II66 S6 2SS1#/ : 1=. )00000

62I66 S6 2SS1#/ : 1=. ) 141#CI 6TIP# 4F 1=. 5000D

P4I; T#16 : )) T4 7 ;#21S

P1#6I6 P2;IE T#16 : ! ;#21S P4I; T#16 #SS 5 ;#21S

64/# : ;;, -;, H;, SSS 1#82T# F41 64/# : ;; : K -;: )K

F#62# CP14P4S#1D : 2T I, II

2E# P144F : ST/

: S-44 E4IE P144F I>2E# IS 5 ;#21S 41641#

2T4 4V#1 : F41 ;#21S C2FT#1 ;#21SD

P1#6I6 2IV#1 8#I : ;#S

82< /2TIE : ;#S

P4I; 42 : 4

-4SIE 42 : 4 2SSIE6#T : 4, 8T 24#/ 2FT#1 V#STIE

(


64/83

SI/# 2S# : ot a%%li(ale >or the a=i( Plan ut

2%%li(ale >or o%tional P8 #T#/#/ T#16 : 7 ;ear= >ro$ the date o> e?%iry o> Poli(y

Ter$. Co %re$iu$= are %ayale during thee?tended ter$ o> PlanD

FOR "RO"OSER #IF "$B IS O"TED FOR%

6II66 2E# #T1; : )+ ;#21S 8/62I66 2E# #T1; : 55 ;#21S 8/62. 2E# 2T T-# #/ 4FP1#6I6 P2;IE T#16 : 70 ;#21S 8/

F416 4. : 3*0 ,3!0

BENEFITS :Thi= %lan i= =%e(ially de=igned to $eet the

in(rea=ing edu(ational, $arriage and other need= >or (hildren 8et@een ) to )year=. It %ro&ide= 1i=B (o&erage on the li>e o> (hild not only during the %oli(yter$ ut al=o during the e?tended ter$.

Survival Benefit : 4n li>e a==ured =ur&i&ing to the end o> the

S%e(i>ied duration= an a$ount a= =%e(i>ied elo@ i= %ayale:5 year= e>ore the date o> e?%iry o> %oli(y ter$ 5K o> the Su$ 2==ured.* year= e>ore the date o> e?%iry o> %oli(y ter$ " )0K o> the Su$ 2==ured.3 year= e>ore the date o> e?%iry o> %oli(y ter$ " )0K o> the Su$ 2==ured. year= e>ore the date o> e?%iry o> %oli(y ter$ " )0K o> the Su$ 2==ured) year e>ore the date o> e?%iry o> %oli(y ter$ " )0K o> the Su$ 2==ured4n the date o> e?%iry o> %oli(y ter$ " 50K o> the Su$ 2==ured along @ith8onu= and Final C2dditionalD 8onu=, i> any.

4TI#/Q..Q PLAN NO(:>

Death Benefit : 4n death a>ter the /ate o> o$$en(e$ent o> 1i=B ut

e>ore the date o> e?%iry o> %oli(y ter$ "Su$ 2==ured along @ith Ve=ted Si$%le1e&er=ionary 8onu=e= and Final C2dditionalD onu= Ci> anyD i= %ayale.

4n death during the #?tended Ter$ " Su$ 2==ured i= %ayale.4n death e>ore the /ate o> o$$en(e$ent o> 1i=B " 2ll the %re$iu$= %aidCe?(luding %re$iu$ >or e?tra and %re$iu$ @ai&er ene>it, i> any,D along @ithintere=t o> 3K %.a (o$%ounding yearly =hall e %ayale.

RISK COVER OF THE CHILD:For (hild age entry le== than or eMual to

)0 year= 1i=B o$$en(e >ro$ either a>ter year= >ro$ /4 or 5 year= age o>2 @hi(he&er i= later. For age entry )0 to ) year= the ri=B =hall (o$$en(e>ro$ the %oli(y anni&er=ary (oin(iding @ith or ne?t >ollo@ing ) thirthday o>2. 2ge ) year= or $ore ri=B @ill (o$$en(e i$$ediately.

MATCHING INSRANCE: Parent= In=uran(e @ill not e in=i=ted

u%to 1=. a(= S.2. CI> P8 i= not o%tedDu%to 1=.5 a(= S.2. CI> P8 i= o%ted >or and allo@edD

Guarantee! Surren!er Value :

(


65/83

The %oli(y (an e =urrendered >or (a=h %ro&ided at lea=t three >ull year=W%re$iu$= ha&e een %aid.The Euaranteed Surrender Value allo@ed under thi=Poli(y i= a= under:

1 /efore the Date of Commen&ement of R#-290 %er(ent o> the total a$t.o> the %re$iu$= %aid e?(luding the %re$iu$= %aid >or the >ir=t year.

1After the Date of Commen&ement of R#-290 %er(ent o> the total a$ounto> the %re$iu$= %aid e>ore the /ate o> o$$en(e$ent o> 1i=B, together @ith30 %er(ent o> total a$ount o> %re$iu$= a= ha&e een %aid on and a>ter /ate o>o$$en(e$ent o> 1i=B e?(luding the %re$iu$= >or the >ir=t year.

The Euaranteed Surrender Value (al(ulated ao&e =hall e =uje(t to >ollo@ingdedu(tion o> the total a$ount o> =ur&i&al ene>it= that $ight ha&e e(o$e dueon or e>ore the date o> =urrender. Further all e?tra %re$iu$= andor any other%re$iu$ in(luding %re$iu$ >or Pre$iu$ ai&er 8ene>it, i> any =hall not e(on=idered in the %re$iu$= re>unded.a=h Value o> any e?i=ting &e=ted onu=e=, i> any, =hall al=o e allo@ed i> not

%aid earlier.

I> le== than three >ull year= %re$iu$= ha&e een %aid under the %oli(y, thennothing =hall e %ayale.

PLANG:> J LICKS 9EEVAN AMRIT J 0IT5 PROFITS

IS12# T;P# : I6IT#/ P2;6#T #/46#T

6II66 2E# #T1; : ) ;#21S 8/

62I66 2E# #T1; : !0 ;#21S 8/

P4I; T#16 : )0 T4 30 ;#21S

P1#6I6 P2;IE T#16 : 3,* and 5 year= only

Prem#"m paya)le %"r#n* the f#rt year # h#*her than the

Prem#"m paya)le #n ")e"ent year(

62I66 62T1IT; 2E# : 70 ;#21S, 8/

6II66 S6 2SS1#/ : 1=. ),00,000

62I66 S6 2SS1#/ : /4I C/#P#/S 4 I46#D

64/# : ;;, -;

(


66/83

1#82T# F41 64/# : ;;: K , -;: I

4"6#/I2 : E##12 :;#S SP#I2 : ;#S

F#62# : 2T#E41; I, II, III

2E# P144F : ST2/21/ 41 4 ST2/21/

P4I; 42 : ;#S

1ITI2 I#SS 1I/#1 : 4

T#16 1I/#1 : 4

P2I/"P V2# : 2>ter ) year

ESV : 30 K o> %re$iu$= %aid C e?(luding

e?tra %re$iu$= %aid , i> any D

F416 4. : 300 41 3*0

BENEFITS :

C2D 4 62T1IT; : Total amo"nt of prem#"m pa#%C e?(luding #?tra Pre$iu$= D

along@ith 2((rued 8onu= A F28 C I> anyDC8D 4 /#2T- : S.2. A 21#/ 84S A F28 C I> any D

Si$%le 1e&er=ionary 8onu=e= =hall e de(lared at the rate %er thou=and

total a$ount o> %re$iu$= %aid C e?(luding any e?tra %re$iu$ D.

Final C 2dditional D 8onu= =hall not e %ayale under %artially %aid"u%

%oli(ie=.

PLAN G:>@ LICKS FORTUNE PLUS 0(E(F( ;?G>G;==@

IS12# T;P# : nit inBed #ndo@$ent Plan

Pre$iu$ %ay$ent i= li$ited to 5 ;r= and%re$iu$ %ayale during the >ir=t year i= >our ti$e=

the %re$iu$ %ayale in =u=eMuent year=. The le&elo> (o&er @ill de%end on %oli(y ter$ (ho=en anda$ount o> %re$iu$ %ayale during the >ir=t year.

6II66 2E# #T1; : ) ;#21S C(o$%letedD

62I66 2E# #T1; : !0 ;#21S 8/

P4I; T#16 : 5 T4 0 ;#21S

P1#6I6 P2;IE T#16 : 5 ;#21S C>or ea(h =u=eMuent year %re$iu$

%ayale i= 5K o> >ir=t year= annualized

%re$iu$D

(


67/83

6II66 2E# 2T 62T1IT;:)+ ;#21S C(o$%letedD

62. 2E# 2T 62T1IT; :!5 ;#21S 8/

/28 : ;e=, 6ini$u$ S 2 1=. 5000 then in $ulti%le=

4> 1=.5000 ' 1=. 0.50 %er thou=and a((ident

8ene>it =u$ a==ured C4n $onthly a=i= yan(ellation o> nit=D

P8 : 4

1ITI2 I#SS 1I/#1 : 4

2E# P144F : ST2/21/ 4 ST2/21/

F#62# : 2T#E41;: I, II III

64/# : ;;, -;, H;,6;C#SD

64/# 1#82T# : I

6II66 )=t;1 P1#6I6 : 1=. 0,000.

62I66 P1#6I6 : 4 I6IT

S6 2SS1#/ : 5 ti$e= the >ir=t year= annualized %re$iu$ or

-al> o> the %oli(y ter$ ti$e= the >ir=t year=2nnualized %re$iu$ @hi(he&er i= higherCIn $ulti%le= o> 1=. 5000D

P1#6I6 242TI4 : >or >ir=t year )3.50K to )5K /e%ending on %er

-21E# annu$ %re$iu$ and therea>ter .50K

IV#ST6#T F/ : 8ond >und , Se(ured >und, 8alan(ed >und andT;P#S Ero@th >und

QQ Q.(ontinuedPLAN NO(:>@

641TIIT; -21E#S : 1e(o&erale 4n $onthly a=i= y an(ellation

o> nit= till S 2 O >und &alue

P4I; 2/6IIST12I4 : 1=. !0 %er $onth during the >ir=t Poli(y

-21E# : year and 1=. 0 %er $onth therea>ter on$onthly a=i= y an(ellation o> nit=

T4P"PC2//ITI42 P1#6I6 D : 4, 4T 24#/

SIT-IE : ithin a gi&en %oli(y year, * =@it(he= @ill e

allo@ed >ree o> (harge. Su=eMuent =@it(he= Shall e =uje(t to a =@it(hing (harge= o> 1=.)00" Cot allo@ed under a%=ed Poli(yD

2V : /2I; 82SIS

P21TI2 IT-/122S : 2llo@ed a>ter 3 year=

(


68/83

" /uring $inority CageD: not allo@ed" S.2. =hall e redu(ed to the e?tent o> the

a$ount o> %artial @ithdra@al= $ade during la=t year=." Suje(t to $ini$u$ alan(e o> 1=. )0000

>und &alue

" e== than 3 year= /uration : not allo@ed

P4I; 42 : 4

1I : ;#S , 24#/

1#VIV2 : ;#S

82< /2TIE : 4T 24#/

46I2TI4 : ;#S

2SSIE6#T : ;#S

IT ST2T#6#T : #V#1; ;#21

I1#2S#/#1#2S# I 8##FITS : 4, 4T 24#/

S11#/#1 C#ITD : 2>ter 3 year=, >und &alue i= %ayale ithout

any =urrender (harge. S2TT#6#T 4PTI4 : ) $onth %rior to $aturity Cnoti(eD

" #?tended >or 5 year=" Payale y ;ly or -ly in=tall$ent=" ot allo@ed under la%=ed %oli(ie=" o li>e (o&er= during thi= %eriod

P14P4S2 F416 : SP#I2 F416

BENEFITS:C2D 8##FITS P2;28# 4 /#2T-: hen the (o&er i= in >ull >or(e,higher o> S.2. or the >und &alue i= %ayale =uje(t to redu(tion o> %artial@ithdra@al= $ade during la=t year=.

In (a=e o> %aid u% %oli(y: Fund &alue o> nit= i= %ayaleC8D 8##FITS P2;28# 4 62T1IT;: Fund &alue o> nit= i= %ayale

PLAN G:>> LICKS PROFIT PLUS 0(E(F( ;?G>G;==@

IS12# T;P# : nit inBed i$ited Pay$ent #ndo@$ent Plan

6II66 2E# #T1; : 00 ;#21S

62I66 2E# #T1; : !5 ;#21S 8/

P4I; T#16 : 5 T4 0 ;#21S

P1#6I6 P2;IE T#16 : 3 T4 5 ;#21S 2/ SIE# P1#6I6

6II66 2E# 2T 62T1IT;:)+ ;#21S C(o$%letedD

62. 2E# 2T 62T1IT; :For PPT 3 ;#21S : 70 ;#21S 8/

: For PPT *, 5 ;#21S A S. P. : 75 ;#21S 8/

/28 : ;e=, 6ini$u$ S 2 1=. 5000 then in $ulti%le=4> 1=.5000 ' 1=. 0.50 %er thou=and a((ident

(


69/83

8ene>it =u$ a==ured C4n $onthly a=i= yan(ellation o> nit=D

P8 : 4, 4T 24#/

1ITI2 I#SS 1I/#1 : ;#S, 24#/

2E# P144F : ST2/21/ 4 ST2/21/

F#62# : 2T#E41;: I, II III

64/# : ;;, -;, H;, 6;C#SD SIE# P1#6I6

64/# 1#82T# : I

6II66 P1#6I6 : 1=. )0,000 For li$ited PPTC2nnualizedD.

1=. 0,000 >or Single Pre$iu$ 62I66 P1#6I6 : 4 I6IT

6II66 S6 2SS1#/ : 1egular Pre$iu$ : -igher o> 5 ti$e= the

annualized %re$iu$ or -al> o> the %oli(y

ter$ ti$e= the 2nnualized %re$iu$.: Single Pre$iu$ : ).5 ti$e= the Single %re$.

62I66 S6 2SS1#/ : 1egular Pre$iu$ : -igher o> 5 ti$e= the

annualized %re$iu$ or -al> o> the %oli(yter$ ti$e= the 2nnualized %re$iu$.

For Single Pre$iu$ :5 ti$e= the Single %re$ i> age at $aturity i= !5 year= or le==3 ti$e= the Single %re$ i> age at $aturity i= !! to 70 year=

.5 ti$e= the Single %re$ i> age at $aturity i= 7) year= and ao&e

466##6#T 4F 1ISter /4 or 7 year= age o> 2

hi(he&er i= later.

P1#6I6 242TI4 : >or =ingle %re$iu$, 5 K Cu% to 1=. * la(=D and

-21E#S *.50 K therea>ter.: For 1egular PPT : 2= %er Plan ir(ular

IV#ST6#T F/ : 8ond >und , Se(ured >und, 8alan(ed >und and

T;P#S Ero@th >und

QQ Q.(ontinuedPLAN NO(:>>

641TIIT; -21E#S : 1e(o&erale 4n $onthly a=i= y an(ellation

o> nit= till S 2 O >und &alue

P4I; 2/6IIST12I4 : 1=. !0 %er $onth during the >ir=t Poli(y

-21E#S : year and 1=. 0 %er $onth therea>ter on$onthly a=i= y an(ellation o> nit=

T4P"PC2//ITI42 P1#6I6 D : 4, 4T 24#/

SIT-IE : ithin a gi&en %oli(y year, * =@it(he= @ill e

allo@ed >ree o> (harge. Su=eMuent =@it(he= Shall e =uje(t to a =@it(hing (harge= o> 1=.)00" Cot allo@ed under a%=ed Poli(yD

(


70/83

2V : /2I; 82SIS

P21TI2 IT-/122S : 2llo@ed a>ter 3 year=

" /uring $inority CageD: not allo@ed" S.2. =hall e redu(ed to the e?tent o> the

a$ount o> %artial @ithdra@al= $ade during

la=t year=." Suje(t to $ini$u$ alan(e o> 1=. )0000

>und

Documents

Lic Plan Booklet