Another Point of View Endowment Plus JAYNISH SHAH

USP ’s of the Plan Endowment ULIP – A Unique Product From the Market Leader. Flexi Options – Single Premium or Term Years. Flexi Options– Settlement Option for Maturity Proceeds. Flexi Options - Flexible Risk Cover. Flexi Options - Four Fund Types. Flexi Options - Min Entry Age – ‘7’ Years (Children’s Risk Plan); Max Entry Age 60 Years. Death Benefit – Higher of BSA or Unit Value Partial Withdrawals & Settlement Options – Money on Demand.

USP ’s of the Plan Better Allocation Rates; Best CEIS Benefit. Liquidity – Loan after 3 Years; Surrender after 5 years; Anytime, Withdrawals after 5 Years. Flexi Options– Single, Yearly, Half Yearly, Quarterly & Monthly (ECS) Modes of Payment FREE Fund Switches - Four per year Low Cost Insurance – Low Term Cover Cost; Rationalised Charges – Benefit to the Investor. EASY EXIT - No Bid Offer Spread, No Surrender Charges after 5 Years; No Discontinuation Charges for the Single Premium. IT Exemption U/S 80 C of IT Act 1961 ULIP where Assignment Permitted. Cooling Off Cancellation Facility.

Market Potential Children’s Policy (Entry & Risk Age ‘7’) –Maturity Age 20-25: Daughters’ Marriage Policy –Maturity Age 25 + Partial Withdrawals: Education Policy –Long Term Education Plan – Money Back on Need (Withdrawals + Settlement Options) Pension Provision (Any Fund) –MNC Executives – Settlement + Withdrawals –HNI – Short Earning Span; High Initial Income (Future Provision) –Plan with No Compulsion to Buy An Annuity.

Market Potential

VALUE ADDED RISK COVER Incremental at Low & Yet Reducing Cost Low Cost Term Assurance + Rs.0.50 %0. Mortality Charges on ‘difference’ of the Sum Assured & Fund Value; No charges when Fund Value exceeds BSA. Higher of the ‘Sum Assured’ or the ‘Fund Value’. Fund Value is very high in long term policies. So, Risk Cover is ‘automatically augmented’. Partial Withdrawal Amount shall not be reduced, if not availed within 2 years from death. If the policy is lapsed, the Fund Value of Units is still payable. Riders to Suit Individual Requirements

AGE ‘7’ Beauty of ‘Endowment Plus’ Education Policy AGE 18 AGE 20 AGE 25 NO PARTIAL WITHDRAWALS SETTLEMENT OPTION PARTIAL WITHDRAWALS

AGE ‘7’ Beauty of ‘Endowment Plus’ Daughter’s Marriage Policy AGE 18 AGE 25 AGE NO PARTIAL WITHDRAWALS SETTLEMENT OPTION OR MATURITY PARTIAL WITHDRAWALS

Beauty of ‘Endowment Plus’ Pension/Provision–HNI with Short Earning Span ENTRY PARTIAL WITHDRAWALS MATURITY DATE SETTLEMENT OPTION HNI SHORT EARNING SPAN WITH HIGH INCOME PROVISION TO AUGMENT INCOME AT LOW INCOME PERIOD OF LATER LIFE

Single Premium Underwriting Now there is a Separate Exclusive Non Medical Scheme for the Single Premium policies. Minimum Risk Cover under the Single Premium could be times of Single Premium. There is No Maximum Limit of Single Premium. The Non Medical Limit is based on the value: Sum at Risk minus Single Premium. The Amount of Single Premium with 1.25 times Risk Cover to Qualify for Non Medical Underwriting (with Standard Age Proof as well as NSAP I): Age 35 – 20 Lac; 36 to 45 – 16 Lac; 46 to 50 – 12 Lac. [Subject to the Underwriting Instructions specific to Endowment Plus]

Nostalgia [Single Premium] ItemMarket Plus I Profit Plus Endowment Plus Single Premium Allocation Charges 3.3%4.5-5%3.3% Min Single Premium Top UpYesNo WithdrawalNoYes LoanNo Yes Lock-in3 Years 5 Years [Virtual Surrender; No Discontinuation Charges] Life CoverOptionalYes Money Plus I had No Single Premium Option

ItemMoney Plus I Profit Plus Market Plus I Endowment Plus Premium Allocation Charges % 2/3 5% 2.5% % OR % 2.5/4% % 2.5% 7.5% 2/5 5% 3% Min Premium ECS ECS ECS ECS 1750 Top UpNo YesNo WithdrawalYes NoYes LoanNo Yes Lock-in3 Years 5 Years Life CoverYes OptionalYes Nostalgia [Regular Premium]

Plan/NAV [Growth/Risk Fund] NAV NAV Variation NAV Variation Money Plus Profit Plus Market Plus Future Plus Fortune Plus Jeevan Plus Bima Plus SENSEX Not Guaranteed; Investments are subject to Market Risk. When going gets tough, tough gets going The chart below depicts the performance of NAV of our old ULIP vis-à-vis SENSEX after when the index was at its peak and there was a ‘Great Fall’. Whereas the SENSEX is yet to regain the peak, our ULIP NAV depict positive growth.

ULIP [NAV Growth Fund] Launch Date NAVDays NAV Market Plus I Money Plus I Child Fortune Plus Jeevan Sathi Plus Not Guaranteed; Investment are subject to Market Risk. The chart below depicts the performance of NAV of our new ULIP introduced after ‘Great Fall’. These ULIP have also performed better. Keeping the Flag Flying High… Young Turks of ULIP