1. An Ideal gift for every Indian aged between 8 and 45 yrs

2. Single investment plan for 12 years term Twice the investment amount is paid on maturity during the last three years with loyalty addition. Risk cover close to 10 times the investment amount is given during the term of the policy. SB at the end of 10 th year =15% of MSA; at the end of 11 th year =20% of MSA. Tax free guaranteed maturity @12 th year=65% of MSA + LA Premium paid qualify for tax rebate under Sec. 80(C) up to Rs.1,50,000/- and maturity benefits are tax free Unique Benefits

3. PLAN FEATURES

4. 1)Within 5 years 10 Times of Tabular premium 2) After 5 years 10 Times of Tabular premium plus loyalty addition, if any Survival benefits paid will not be deducted Death Benefit

5. 1)At the end of 10 th year 15% of Maturity Sum Assured 2) At the end of 11 th year 20% of Maturity Sum Assured Survival Benefits

6. Maturity Benefit 12 th year 65% of Maturity Sum Assured plus Loyalty Addition, if any

7. Scenario 1 Age of customer  22 years Single Investment  Rs. 2,52,390/- Maturity Sum Assured  Rs. 5,00,000/- Death Sum assured  Rs. 25,48,250/- Tax Rebate NIL  Rs.0/- Risk Cover premium for 12 yrs SP  Rs. 36043/- Net Investment  Rs. 2,16,347/-

8. Death Benefit Within 5 years Rs. 25,48,250/- is payable to nominee After 5 years Rs. 25,48,250/- plus loyalty addition is payable to nominee

9. Survival and Maturity benefit Return @10 th year  Rs. 75,000/- Return @ 11 th year  Rs. 1,00,000/- Return @ 12 th year  Rs. 3,75,000/- IRR with respect to Net Investment of Rs.2,16,347/- works out to 7.57% without adding Loyalty addition

10. Scenario 2 Age of customer  22 years Single Investment  Rs. 2,52,390/- Maturity Sum Assured  Rs. 5,00,000/- Death Sum assured  Rs. 25,48,250/- Tax Rebate @ 30.9%  Rs.75,651/- Risk Cover premium for 12 yrs SP  Rs. 36043/- Net Investment  Rs. 1,40,696/-

11. Death Benefit Within 5 years Rs. 25,48,250/- is payable to nominee After 5 years Rs. 25,48,250/- plus loyalty addition is payable to nominee

12. Survival and Maturity benefit Return @10 th year  Rs. 75,000/- Return @ 11 th year  Rs. 1,00,000/- Return @ 12 th year  Rs. 3,75,000/- IRR with respect to Net Investment of Rs.1,40,696/- works out to 11.69% without adding Loyalty addition

13. Liquidity- Surrender First year : Guaranteed Surrender Value will be 70% of the premiums paid excluding taxes and extra premiums Thereafter: Guaranteed Surrender Value will be 90% of the premiums paid excluding taxes and extra premiums.

14. Liquidity- Loan Loan can be availed after one year. The maximum loan that can be granted as a percentage of surrender value is given hereunder:

15. Underwriting Rules Actual sum assured is 9 times of Tabular single premium Medical requirement as per normal plan (Exclusive Non medical rules for SP not applicable) All female category –Cat I, II & III allowed subject to limits Age proofs NSAP-1 & 2 only allowed with suitable age extra, if any For minor lives and major students upto age 25 yrs – Max Rs. 20 lacs will be allowed without insisting on parents insurance.

16. Unique combination of investment & insurance. Maturity sum assured is guaranteed and it is close to twice the investment amount. Risk cover close to ten times the investment amount is provided. High tax free returns. Ideal gift from grandparent to grand children Can be given as Collateral for housing loan and educational loan Best way to avail tax rebate up to Rs.1,50,000/- under Sec.80( C) USP’s of Jeevan Shagun