The Plan Gives you the freedom to choose the amount of premium, and invest in market linked funds, to generate potentially higher returns. A part of the premium paid is used to pay for the death benefit (if any) opted by you and the rest is invested in a plan of your choice. On the retirement date, the accumulated value of the units will be used to purchase an annuity.

The Benefits Death Benefit In the unfortunate event of death, the spouse has the option of Receiving the death benefit as lumpsum Receiving part of the death benefit as lumpsum and the remaining as annuity Receiving the entire amount in the form of an annuity Maturity Benefit On maturity the accumulated value of units will be used to purchase an annuity.

Flexibility Power to choose the protection level Opt for a zero sum assured and hence make it a zero accumulation account Opt for a sum assured which will be equal to the product of the annual contribution and term No change in the sum assured will be allowed, once chosen, at the time of inception of the policy. Power to increase or decrease your contribution Contribution can be increased without any limits The maximum decrease in contributions can be up to 20% of the initial contribution chosen at the time of inception. However, the contribution cannot be reduced to below the minimum premium allowed under the plan at that time, or 80% of the initial chosen contribution, whichever is higher.

Flexibility Power to choose the retirement date Choose a vesting date between 45 – 75 years of age. Power to increase your investments Use your surplus funds to top-up your investments, with a minimum top-up of Rs. 5,000. Power to invest in a plan based on your priorities Choose between the Maximiser (Growth), Protector (Income), Balancer (Balanced) and Preserver (Short term money market) plans. Plus you have the power to switch between the plans, to suit your investment priorities. 4 free switches a year.

Flexibility Power to receive pension in 5 different ways Life annuity Life annuity with return of purchase price Life annuity guaranteed for 5, 10 or 15 years Joint Life, Last Survivor with return of purchase price Joint Life, Last Survivor without return of purchase price Power to choose your annuity provider Flexibility to buy the pension from any other service provider Power to commute At the time of vesting upto 1/3 rd of the accumulated value can be taken as lumpsum

Riders Accident and Disability Rider Waiver of Premium Rider

Other benefits Surrender Value Number of Years of Contribution PaidSurrender Value Before one year’s contribution paidNil After one year’s contribution is paid25% of the value of investments After two year’s contribution is paid40% of the value of investments After three year’s contribution is paid60% of the value of investments After four year’s contribution is paid100% of the value of investments

Eligibility Age: 18 – 60 years (65 years for a Zero Death benefit option) Minimum Premium : Rs. 10,000 p.a. Minimum Term: 10 years

Charge structure Premium Allocation Contributio n Range 1 st Yr. Allocation 2 nd Yr. Allocation 3 rd –10 th Year Allocation 11 th Yr. Onwards Allocation 10, ,999 78%85%99%100% 50,000 and above 83%88%99%100%

Charge structure Fund Management charges These are levied as a % of the asset under management. They are adjusted in the NAV MaximizerProtectorBalancerPreserver 1.50%0.75%1.00%0.75%

Other charges Mortality charges towards the sum assured are on a one year renewable basis Fixed administrative charge of Rs. 20 per month, deducted by cancellation of units monthly. Top allocation is 99% 4 free switches in a policy year. Any additional switch will be charged Rs. 100 extra.

Underwriting Guidelines