Why MF ? What Investor wants ? What is ULIS ? Why not ULIS ?

Mutual Fund / Equity Investment Best and Safest !!!! Option for wealth creation Equity Investment definitely perform If…………. Proper Allocation of Equity and Debt Products Investing as per the profile of Investor ( Wide Range of Products are available from 100 % Equity to 100 % Debt ) Ready to wait attitude, timing and Systematic approach to investment Now Nomura Asset Management Japan holds 60% in LIC MF

Investor's Expectation Resaonable Return Value Addition Life Insurance Accidental Death Cover

Investor's Expectation Cheaper Cost Liquidity or Exit Without Cost No Hidden Cost Simplicity - Less Requirement Consistency

Investor's Expectation Multiple Options Tax Exemption Tax Free Maturity Some Guarantee LIC Brand Name

Matching most of the Investor's Expectation. LICMF PRESENTS It's UNIQUE PRODUCT WITH MULTIPLE BENEFITS Matching most of the Investor's Expectation.

What Is ULIS ? Asset allocation : 65 – 80 % Equity And 20 – 35 % Debt IT IS OPEN ENDED BALANCE FUND WITH MULTIPLE BENEFITS Asset allocation : 65 – 80 % Equity And 20 – 35 % Debt OBJECTIVE OF THE FUND TO GENERATE LONG TERM CAPITAL APPRICIATION, OFFER TAX EXEMPTION ALONG WITH SOME ADDITIONAL BENEFITS LIKE LIFE INSURANCE AND ACCIDENTAL DEATH COVER

Parameters: Age at Entry: 12 to 60 Years Max Age at Maturity: 70 Years Fund type and Option Balance Fund – Div Reinvest Minimum Life Insurance 10,000/- for 10 years 15,000/- for 15 years Maximum Life Insurance 15,00,000/- Maximum Acc. Death Cover 7,50,000/- Entry Load: 0% Exit Load: Nil Premature Withdrawal: After 3 Years Partial Withdrawal Allowed Mode of Payment Single, Yearly, Half Yearly, SIP Term 5 – 10 – 15 Years

INSURANCE COVER Death within six months of investment Repurchase value of units Death between six months & 1 yr of investment Repurchase value + ½ of the target amount

Death Benefit : Type of Cover Death after one year of investment (a) Single Premium & Regular Premium (Uniform Risk Cover) NAV of Accumulated Units + TARGET AMOUNT (b) Regular Premium (Reducing/Decreasing Risk Cover) NAV of accumulated Units + UNPAID CONTRIBUTION TO TARGET AMOUNT

WHAT IS TARGET AMOUNT ? LIFE INSURANCE COVER ON Rs.1000 INVESTMENT TERM YEARLY HALF YEARLY SIP 10 YEAR 1,000*10 = 10,000 1,000*2*10=20,000 1,000*12*10=1,20,000 15 YEAR 1,000*15=15,000 1,000*2*15=30,000 1,000*12*15=1,80,000 In case of Single Plan Investment amount = Target amount = Life Insurance WHAT IS MAXIMUM LIMIT FOR INVESTMENT ? TERM YEARLY HALF YEARLY SIP 10 YEAR 1,50,000*10 = 15,00,000 75,000*2*10=15,00,000 12,500*12*10=15,00,000 15 YEAR 1,00,000*15=15,00,000 50,000*2*15=15,00,000 8,300*12*15=14,94,000 SINGLE PREMIUM - NO LIMIT Requirement for Life insurance up to Rs. 15,00,000 + Acc. Death cover up to Rs. 7,50,000 ( Total 22,50,000) for ages between 12 to 60 is Common application + copy of PAN card or KYC

HOW ULIS WORKS? Every time when investor pays his installment – Life Insurance Premium is deducted from that initial investment. Any time during the year when fund declares Dividend – It gets reinvested without any load at ex- Div NAV. In case of uniform risk cover at any time during the period if investor dies , Nominee becomes eligible for NAV of accumulated units plus TARGET AMOUNT. In case of accidental death nominee becomes eligible for NAV of accumulated units plus Double the TARGET amount ( Subject to Maximum Accident benefit limit of Rs. 7.5 lacs) On maturity investor becomes eligible for NAV of all Accumulated units ( From his investment as well as dividend reinvestment) plus GUARANTEED MATURITY BONUS !!!

What is insurance cost ? INSURANCE PREMIUM FOR 15,00,000 INSURANCE + 7,50,000 ACCIDENTAL DEATH COVER AGE 10 YEAR TERM ( i.e from Rs. 1,50,000 ) Cost per 1,00,000 Insurance 15 YEAR TERM ( i.e from Rs. 1,00,000 ) Cost per 1,00,000 30 2259 (1.50 %) 150.60 1659 (1.65 %) 110.60 35 3241 (2.16 %) 216.06 2421 (2.42 %) 161.40 40 5058 (3.37 %) 337.20 3841 (3.84 %) 256.06 45 8286 (5.52 %) 552.40 6167 (6.61 %) 411.33 50 13297 (8.86 %) 886.46 9825 (9.82 %) 655.00 55 19044 (12.69 %) 1269.60 15485 (15.48 %) 1032.30 60 30201 (20.13 %) 2013.40 *************** *********** In case of reducing cover insurance cost for age 60 for 15 lacs is Rs. 13336/- only.

ACTUAL INVESTMENT COST AGE INSURANCE ULIS YLY PREMIUM ENDOWMENT PLAN YLY PREMIUM YOU SAVE 30 15,00,000 1,00,000 1,01,295 1,295 35 1,02,750 2,750 40 1,05,212 5,212 45 1,09,225 9,225 50 1,15,555 15,555 55 1,25,594 25,594

TERM INSURANCE COST (15 Yr Term )without Accident Rider AGE INSURANCE ULIS COST ( 15 Yr Term ) TERM INSURANCE COST (15 Yr Term )without Accident Rider YOU SAVE 30 15,00,000 1659 3540 1881 35 2421 4410 1989 40 3841 6105 2264 45 6167 8970 2803 50 9825 13605 3780 55 15485 20910 5425

WE OFFER NAV PLUS GUARANTEED MATURITY BONUS ON MATURITY AGE INSURANCE ULIS PREMIUM COST MATURITY BONUS @ 15% of Target Amount NET GAIN OVER PREMIUM 30 15,00,000 1659*15=24885 2,25,000 2.00,115 35 2421*15=36315 1,88,685 40 3841*15=57615 1,67,385 45 6167*15=92505 1,32,495 50 9825*15=147375 77,625 55 15485*15=232275 (-) 7275

Consistent Dividend Record: YEAR DIVIDEND 1989-90 12.50% 1999-00 10.00% 1990-91 13.00% 2001-02 1991-92 13.50% 2002-03 7.50% 1992-94 15.00% 2003-04 17.00% 1994-95 2004-05 20.00% 1996-97 6.00% 2005-06 28.00% 1997-98 2006-07 44.00% 1998-99 NIL 2007-08 30.00%

Why not ULIS ? Resaonable Return - Time tasted Product - Since inseption 15 % Life Insurance - Up to 15 Lacs Max. Age At Entry 60 Accidental Death Cover - Max up to Rs. 7.5 Lacs Cheaper Cost - Insurance charges and loads are comparatively very less

Why not ULIS ? Liquidity or Exit Without Cost - Nil Exit load - Partial Withdrawal allowed No Hidden Cost - No monthly or other maintaince charges Simplicity - Less Rquirement - No medical - Only CAF + PAN/KYC Consistency - Product with more than 20 year track record

Why not ULIS ? Multiple Options - Diffrent terms and Mode of payments Tax Exemption - Up to Rs. 1 Lacs u/s 80C Tax Free Maturity - No long term capital gain Guaranty - Guaranteed Maturity Bonus

LIC ULIS Now in this fund Debt shall be 35% which shall be managed by experts from LIC Mutual Fund and Equity 65% shall be managed by professional fund managers from Nomura Asset Management Company Japan

Comparison with other similar products SIP INSURANCE offered by two or three MFs offers Life insurance up to age at entry 45 only. Maturity age is restricted to either 55 or 60. They offer this product only through SIP where we offer multiple options. On maturity they offer only NAV – Whereas we offer NAV + GMB UTI ULIP offers GMB as 5 % or Max 7.5 % They charge Exit Load subject to condition – Ours is NIL Limited Liquidity – Once you discontinue SIP and wants to withdraw you have to pay exit load or have to stay till the SIP period. Ours is Balance / Div Reinvestment option where as UTI ULIP is debt oriented and others are offering 100 % equity funds ( Which go either way in terms of performance ) UTI ULIP Offers Accidental Death cover of Rs. 50,000 only irrespective of Investment. UTI ULIP do not option for 5 year term

Comparison with other similar products Minimum Investment under SIP mode is Rs. 1,000 other than UTI ULIP We offer 120 times insurance of SIP in 10 year term and 180 times for 15 year term… We allow STP also … Which is not the case with any other product For UTI ULIP SIP through PDC you have to deposit 24 months cheques in advance

Ascent Financial Consultants Our services All Kinds of Mutual Funds available in the market. Monthly Income Plans Retirement Planning Child Education Planning Mediclaim from Reputed Private Standalone mediclaim company. Complete Customer Satisfaction guaranteed.

Contact Details: SATYA PRAKASH MISHRA Address: 201 , B- Wing 2, Gayatri Darshan, near- Saraswati School, Tulinj Road, Nalasopara (East). City: Mumbai - 401209 State: Maharashtra Mobile:             +91 9326651020       Email: satya5678@sify.com

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