Presentation on Comparison of Peak NAV Guarantee ULIP किस में कितना है दम Kis Main Kitna Hai Dum

InsurerLICSBI LifeBajaj Allianz Reliance Life HDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II Entry Age8-65 Yrs9-60 Yrs8-60 Yrs7-60 Yrs14-55 Yrs8-65 Yrs Term10 Yrs 15 Yrs10 Yrs PPTSingle or 5 Yrs 5-7 YrsSingle or 15 Yrs 5 Yrs Maturity Age Yrs75 Yrs18-70 Yrs22-75 Yrs19-65 Yrs75 Yrs ModeSingle, Yly, Hly, Qly, ECS Monthly Yly, Hly, QLY, ECS Monthly Single, Yly, Hly, QLY (ECS), Monthly (ECS) Annual

InsurerLICSBI LifeBajaj AllianzReliance LifeHDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II Risk Cover SP Times; Annual 7-20 Times SP Times; Times of Annual Premium 7-10 Times of Annual Premium SP Times; Annual Times (Age 7- 11Max 5 Lac) Times 7-10 Times of Annual Premium Death Cover SA or Fund Value SA or Fund Value (minimum 105% of Premium) SA + Fund Value SA or Fund Value (minimum 105% of Premium) SA or Fund Value (minimum 105% of Premium SA + Fund Value DABYES- RIDERS--

InsurerLICSBI LifeBajaj Allianz Reliance Life HDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II PremiumSP 30000; Yly Hly 8000 Qly 4000 ECS 1500 SP Yly Hly Qly ECS Annual SP 50000; Yly Hly Qly 5000 Mly PA Fund TypeOne – Samridhi Plus Fund Two - Guarantee on One Five - Guarantee on One OneTwo - Guarantee on One One NAV Guarantee 100 Months, Term End Peak NAV 7 Yrs – 5% Higher than Peak NAV Full 7 Yrs – Peak NAV or 15 7 Yrs or Term Ends

InsurerLICSBI LifeBajaj Allianz Reliance LifeHDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II Allocation Charges [1 st Year] 6%8.5%10%7%4%6% Allocation Charges [Later] 4.50% for PPT 6% for PPT 3.75% (2- 5) 0% 6% (2-4) 5.5% (5-10) 5% (11 on) 4% (2) 3% (3) 2% (4-5) 5% (2) 3% (3-5) Allocation Charges [SP] 3.3%3%NA2%NA Top UpNA 2% NA

InsurerLICSBI LifeBajaj Allianz Reliance Life HDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL Crest Pinnacle II Partial Withdraw 5 Yrs 3 Yrs5 Yrs Surrender5 Yrs Surrender Charges NIL Discontinuation Charges Yes

InsurerLICSBI LifeBajaj Allianz Reliance Life HDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II Policy Admn Charge 1 st Yr 30 PM; there- after 3% SP Flat 50 PM; AP Flat 60 PM 1 ST Yr NIL 3% PA of Annual Premium from 2 nd Yr on 40 PM (thru) for SP; No Charges for AP. 0.31% of Annual Premium PM; Escalatio n 5% PA; Max 500 PM 0.25% of Annual Premiu m PM for 5 Yrs; 0.1% 6 th Yr on FMC0.90%1.00%1.25%1.35% Guarantee Charge 0.40%0.50%0.25% 0.50%0.10%

InsurerLICSBI LifeBajaj AllianzReliance LifeHDFCICICI Pru ULIPSamridhi Plus Smart Performer Max Advantage NAV Advantage SL CrestPinnacle II 1 st Yr Alctn Charge Policy Admn Charges Total 1 st Year nd Yr Alctn Charge Total 2 nd Year rd Yr Alctn Charge Total 3 rd Year th Yr Alctn Charge Total 4 th Year th Yr Alctn Charge Total 5 th Year TOTAL IN 5 YRS Total 5 Yr Premium Allocated Illustration Mode Yly; Premium 1 Lac; SA 10 Lac

InsurerLICSBI LifeBajaj AllianzICICI PruRelianceHDFC ULIPSamridhi Plus Smart Performer Max Advantage Pinnacle IINAV Advantage SL Crest Sample Mortality Charges [rate per thousand at the age] Charges Are Based on SAR Formula

And the winner is…

Simple: Only ONE Fund Type. Range of Investment 0-100%: Extremely Flexible. Virtual Auto Switching – Useful in Avoiding Fall or Booking Profit. Even, if the all above do not impress, the highest NAV over the first 100 Months of the policy or the NAV as at the end of the term, whichever is higher, is payable. How Safe is Investment?

Safe Bet – More than Capital Guarantee (Investment INR 1 Lac) Fund TypeGovt. Securities Short-term money market instruments Listed Equity Shares Samridhi Plus Fund 0% to 100% 0% to 100% 0% to 100% Fund Spread 60-70% [Rate of Return 8% PA] INR % INR Years TOTAL [IRR 10.49%]

Return Projection ULIP [Similar Time Horizon or Investment Pattern] Launch Date [Period Elapsed] Fund TypeCurrent NAV ( ) Bima Plus [10 Y] Risk58.74 Balanced41.12 Child Fortune Plus [2 Y 3 M] Risk15.23 Secure15.58 Wealth Plus [1 Yr] Wealth Plus11.05 [ ] Wealth Plus is a Peak NAV Guarantee ULIP Investments in ULIP are subject to Market Risks

INVEST TODAY! Compilation: Kulbhushan Sharma, Manager MASH, DO Patna A.PADHMANABHAN Personal Finance Consultant Cell: