1. Popularity Meter 17,77,352 policies sold in 2003-04 in the very 2 nd year after introduction

2. Intro features benefits illustrations

3. Intro features benefits illustrations

4. Intro features benefits illustrations For how many years is premium payable ? You can choose premium payment terms between 5 and 57 years Who can avail of this plan? Male lives and female lives having their own income aged between 18 years (completed) and 65 years (near birthday) For what sums is insurance available under this plan ? Minimum Rs. 1 lakh. Maximum : no limit, but depends upon income At what frequency can premium be paid? Yearly, Half-Yearly, Quarterly, SSS

5. Intro features benefits illustrations (A) Minimum entry age : 18 yrs (completed) (B) Maximum entry age : 50 yrs (nearer birthday) (C) Maximum maturity age : 60 years (D) Minimum Sum Assured for the Critical illness Rider : Rs.50,000/= (E) Minimum Sum Assured of the Main plan on which the Critical illness Rider can be given: Rs.50,000 (F) Maximum Sum Assured : An amount equal to the Basic Sum for the Critical Illness Rider Assured, subject to a maximum of Rs.5,00,000. (G) Term : 10 to 35 years under regular premium 5 to 35 years under Single premium and 15, 20 & 25 years under limited premium paying term policies. This rider is allowed only if the maturity age under main policy is not greater than 60 years. The policy term and premium paying term of the rider should match with the policy term and premium paying term under the main policy. Critical Illness Rider : Eligibility

6. Intro features benefits illustrations Critical Illness Rider : Benefits Critical Illness Sum Assured is payable on life assured surviving for a period of 28 days from date of occurrence of any of the following critical illnesses- Heart Attack (Myocardial Infarction) Stroke (Cerebro-vascular Accident) Cancer Kidney Failure Major Organ transplant Paralysis 3rd Degree Burns Blindness Coronary Artery By-pass Surgery Heart Valve Replacement or Repair Aorta Graft Surgery Premium Waiver Benefit: A policyholder has option to avail of a premium waiver benefit whereby premiums falling due on or after the date of diagnosis of critical illness are waived till maturity date of the main plan or earlier death of the life assured.

7. Intro features benefits illustrations AgeTerm Sum Assured Rs. 1 lakh2 lakhs5 lakhs10 lakhs 20 101154323,08656965112930 25 10 1176623,53258080115161 30 20566011,3202755054274 35 20587311,7472861756408 40 3038807,7601865036550

8. When are benefits payable ? Intro features benefits illustrations Survival Benefit : When the policyholder survives till date of maturity and policy is in force, Full sum assured + vested bonuses + final additional bonus, if any, is payable. Risk cover continues after maturity, without need to pay premium Risk Cover : On death during premium payment period, Full sum assured + vested bonuses + final additional bonus, if any, is payable. On death after premium paying period, Full sum assured is payable.

9. Intro features benefits illustrations Age at entry: 35 years Premium paying term: 25 years Mode of premium payment: Yearly Sum Assured: Rs.1,00,000/- Annual Premium: Rs.4,535 /- Illustrations End of Year Total premium paid till end of year Benefit payable on survival to the end of selected term Guaranteed VariableTotal Scenario 1 Scenario 2Scenario 1Scenario 2 251,13,3751,00,000 41500141000141500241000 26 onwa rds 1,13,375 1,00,000 ** --

10. Intro features benefits illustrations Age at entry: 35 years Premium paying term: 25 years Mode of premium payment: Yearly Sum Assured: Rs.1,00,000/- Annual Premium: Rs.4,535 /- End of Year Total premium paid till end of year Benefit payable on death during the selected term Guarantee d * VariableTotal Scenar io 1 Scenario 2 Scenari o 1 Scenario 2 14,5351,00,000 15005100101500105100 29,0701,00,000 300010200103000110200 313,6051,00,000 450015300104500115300 418,1401,00,000 600020400106000120400 522,6751,00,000 750025500107500125500 627,2101,00,000 900030600109000130600 731,7451,00,000 1050035700110500135700 836,2801,00,000 1200040800112000140800 940,8151,00,000 1350045900113500145900 1045,3501,00,000 1500051000115000151000 1568,0251,00,000 2250076500122500176500 2090,7001,00,000 33000113000133000213000 251,13,3751,00,000 41500141000141500241000 Illustrations

11. Intro features benefits illustrations The illustration is applicable to a non-smoker male/female standard (from medical, life style and occupation point of view) life. The non-guaranteed benefits in the illustrations are calculated so that they are consistent with the Projected Investment Rate of Return assumption of 6% p.a.(Scenario 1) and 10% p.a. (Scenario 2) respectively. In other words, in preparing this benefit illustration, it is assumed that the Projected Investment Rate of Return that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be. The Projected Investment Rate of Return is not guaranteed. The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some level of quantification. Future bonus will depend on future profits and as such is not guaranteed. However, once bonus is declared in any year and added to the policy, the bonus so added is guaranteed. Illustrations: Assumptions and Disclaimer