LICs BIMA ACCOUNT - II TABLE NO.806

LICs BIMA ACCOUNT- II (Plan No.806) FEATURES Guaranteed Returns: Guaranteed Returns at the Rate of 6% per annum on the Policyholders Account throughout the term. Additional Returns: Additional Interest may be declared on Policyholders Regular Premium Account based on Corporations experience. Easy Liquidity – Loan can be availed after completion of 1 year.

LICs BIMA ACCOUNT- II (Plan No.806) - Features Transparency – Policy charges are disclosed. Premiums – Convenient Modes for payment of premiums & no upper limit on Investment. Facility for Top-up premiums.

Maturity Benefit : Amount in Policyholders Account. Death Benefit: (i) Sum Assured and (ii) Amount in Policyholders Account. LICs BIMA ACCOUNT- II (Plan No.806) - BENEFITS

LICs Bima Account-II (Plan No.806) Benefits Loan : Available after completion of 1 year. Loan amount can be to the extent of 60% of the amount in Policyholders fund. Surrender: Full amount in Policyholders fund after the 3 rd Policy year. Top-up premium: Allowed

LICs BIMA ACCOUNT-II (Plan No. 806) Eligibility ConditionsMinimumMaximum Age at Entry8 years completed60 years nearest Birthday Age at Maturity18 years completed70 years nearest Birthday Policy Term10 years15 years Regular Premium Yearly Half – yearly Quarterly Monthly(ECS) No upper limit Top-up premium1000 Total of regular premiums paid Face Amount/ Basic Sum Assured 10 times Annualised Premium(AP) Upto Age 35 Age Age xAP20xAP10xAP

LICs BIMA ACCOUNT- II (Plan No. 806) Benefit Illustration for Maturity Value Premium / Mode15000/- Yearly Sum Assured Policy Term15 years Age30 years Maturity Benefit at Interest Rate of 6% Maturity Benefit assuming Gross Interest Rate of 10%

LICs Bima Account - II (Plan No.806) Loan Loan shall be granted on completion of one policy year. After payment of 1 annualised premium. Loan is available to the extent of 60% of the amount in the Policyholders Account. The minimum amount of loan is 1000/-.

LICs Bima Account-II (Plan No.806) Surrender Request for surrendered after the 3 rd policy anniversary - Full amount in the Policyholders Account is paid. Request for surrender before the 3 rd policy anniversary – Balance amount in the Policyholders Account as on the date of Surrender is due. The amount shall be paid on completion of the third policy year. During the lock-in period no charges shall be deducted and no interest shall be paid.

LICs Bima Account-II (Plan No.806) Additional features Days of Grace: 30 days from the date of First unpaid premium (FUP) for all modes of premium payment. Revival: Within 12 months of First Unpaid Premium (FUP). Paid-up Value: When premiums are not paid within the days of grace, the policy becomes paid-up and the amount in Policyholders Account shall earn interest at the rate of 5% p.a. The Guaranteed Interest of 6% shall be restored from the date of revival.

LICs BIMA ACCOUNT –II ( PLAN NO. 806) CHARGES Expense Charges 1 st Year2 nd & 3 rd YearThereafterTop-up 27.5%7.5%5%2.5% Mortality Age 11Age 24Age 36Age Service Tax As applicable. Current Rate 10.30% Alteration Charges On request for alteration within the contract Rs.50/-

LICs Bima Account- II (Plan No.806) Terms explained Compulsory Termination – Applicable when premiums are paid for less than 2 years and the policy is not revived during the revival period. If loan has been availed and the Policyholders Account is less than or equal to the loan plus loan interest amount.

LICs Bima Account – II (Plan No. 806) Go for it… For your children aged 8 years and above: - Show that you care and give them an early lesson in saving. - Introduce them to the virtues of Protection & insurance. - Use the Maturity amount to help them take their first independent steps towards a bright future.

LICs Bima Account-II ( Plan No. 806) Go for it… For you - Because returns are guaranteed. - Because the plan offers Additional Interest. - Because you can avail loan when you need. - Because it is an ideal account to divert your small and occasional cash flow – through top-up premiums

LICs Bima Account-II ( Plan No. 806) Go for it…. Death Benefit includes Sum Assured as well as Policyholders Account Value. No Surrender Charges and full amount in Policyholders Account shall be paid on completion of the third policy anniversary. Because LICs Bima Account-II has been designed especially for you.