In This Policy, The Investment Risk in Investment Portfolio Is Borne by The Policyholder
In This Policy, The Investment Risk in Investment Portfolio Is Borne by The Policyholder
Comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, Tata Comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, Tata
AIA Vitality Protect Plus and Tata AIA Vitality Health Plus AIA Vitality Protect Plus
Accidental Total & Permanent Disability Accidental Total & Permanent Disability
Hospicare
All in all, these solutions will cater to your protection, wealth and health protection needs. At Tata AIA Life Insurance, we are committed to help you with
solutions that will provide Param Rakshakaran to your family so that you can enjoy life without any worries.
Best Wishes
AIA Life Insurance Company Limited
Param Rakshak solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha and Tata AIA Vitality Protect Plus
Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, Tata AIA Vitality Protect Plus and Tata AIA Vitality Health
Plus
Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection
(UIN:110L156V03); Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03) and Tata AIA Vitality Health
Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02).
*Tata AIA Vitality: A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as
applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app)
Disclaimers: THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE
POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY
OR PARTIALLY TILL THE END OF THE FIFTH YEAR. For more details please refer to the customized benefit illustration and terms & conditions of the
product. In case of any inconsistency between this letter and policy document, the policy document shall always prevail. Vitality is a trademark licensed to
Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment
under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The Investment income and
price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges, from
your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after
consulting your financial or other professional advisor. The performance of the managed portfolios and funds is not guaranteed and the value may increase
or decrease in accordance with the future experience of the managed portfolios and funds. The solutions are underwritten by Tata AIA Life Insurance
Company Limited.
The solutions are not guaranteed issuance solutions and it will be subject to Company's underwriting and acceptance. Buying a Life Insurance Policy is a
long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than all the premium
paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The fund is managed by Tata AIA
Life Insurance Company Ltd. (hereinafter the "Company"). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata
AIA Life Insurance Smart Sampoorna Raksha is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the
contract, its future prospects or returns. Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of
these plans, their future prospects and returns. Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital
markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is
responsible for his/her decisions. Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less
than (or equal to) a year, with reinvestment of dividends (if any). Life insurance cover is available under the solution. For details on products, associated risk
factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in
the Policy Contract. L&C/Misc/2024/Jan/0028.
Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower
A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd & AIA Group Ltd.
& is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims & complaints, please contact our
Insurance Advisor / Intermediary or visit Tata AIA Life's nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at
[email protected]. Visit us at:www.tataaia.com.
BEWARE OF SPURIOUS PHONE CALLS IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of
AND FICTITIOUS / FRAUDULENT OFFERS premiums. Public receiving such phone calls are requested to lodge a police complaint
I Am Red
Name of the Prospect / Test test Proposal No: 43349359837
Policyholder:
Name of the Product: Tata AIA Life Insurance Smart Sampoorna Raksha
Age (yrs) : 21
Tag Line : Unit-linked, Non-Participating, Individual Life Insurance Plan for Savings
Name of the Life Assured : Test test and Protection
Rider Details
Tata AIA Vitality Utilization of rewards (if Wellness program
Yes Premium Discount
(Wellness Program) opted)
Details of Life
Insured/Partner under Benefit Payout Premium
Return
Rider Name/UIN^ the Benefit Option Benefit Premium Sum p.a. Year 1
of
(Benefit Option/Benefit Option Payment Assured without Discount
Income premium
Payout Option) Lumpsum Income Term Term (Rs.) GST (Rs.)
Name Age(yrs) Gender Duration option (Rs.)
(Rs.) p.a.(Rs.)
(yrs)
^VPP - Accidental Death Test
21 F 15000000 0 0 No 40 12 15000000 13650 682
(Lumpsum Benefit) test
^VPP - Accidental Total
Test
and Permanent Disability 21 F 15000000 0 0 No 40 12 15000000 8250 412
test
(Lumpsum Benefit)
^VPP - Tata AIA Vitality Protect Plus,(A Non-Linked, Non-Participating Individual Health Rider UIN:110A048V03)
Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST (Rs.) 30395 21900 52295
Instalment Premium with First year GST (Rs.) 30395 21900 52295
Instalment Premium with First year GST (Rs.) 30395 21900 52295
Instalment Premium post applicable discount with First year GST
30395 20806 51201
(Rs.)
Instalment Premium with GST 2nd year onwards (Rs.) 30395 21900 52295
Discount applicable and Installment Premium payable 2nd year onwards will depend on the Wellness status of the Insured
How to read and understand this benefit illustration?
This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may grow over
the years of the policy term if the fund earns a gross return of 8% p.a. or 4% p.a. These rates, i.e., 8% p.a. and 4% p.a. are assumed only for the purpose of
illustrating the flow of benefits if the returns are at this level. It should not be interpreted that the returns under the plan are going to be either 8% p.a. or 4%
p.a.
Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges,
underwriting extra, if any, guarantee charges and cost of riders, if deducted by cancellation of units. It demonstrates the impact of charges and taxes on the
net yield. Please note that the mortality charges per thousand sum assured in general, increases with age.
The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc.
The investment risk in this policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature carefully.
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance
business. If your policy offers guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers
variable benefits then the illustration on this page will show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These
assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependant
on a number of factors including future investment performance.
Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death benefit, at
two assumed rates of return. Part B of this statement presents a detailed break-up of the charges, and other values.
Part A
(Amount in Rupees)
At 4% p.a. Gross Investment Return At 8% p.a. Gross Investment Return Commission
Annualized Mortality, Mortality, payable to
Policy Year Other Fund at End Surrender Other Fund at End Surrender
Premium Morbidity GST Death Benefit Morbidity GST Death Benefit intermediary
Charges* of Year Value Charges* of Year Value (Rs.)
Charges Charges
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
1 30,395 7,368 3,908 2,030 17,939 14,399 10,000,000 7,368 3,913 2,031 18,785 15,245 10,000,000 0
2 30,395 7,614 2,327 1,789 38,246 35,886 10,000,000 7,613 2,349 1,793 40,780 38,420 10,000,000 0
3 30,395 7,759 2,274 1,806 59,263 57,493 10,000,000 7,756 2,322 1,814 64,408 62,638 10,000,000 0
4 30,395 7,825 1,930 1,756 81,470 80,290 10,000,000 7,819 2,016 1,770 90,254 89,074 10,000,000 0
5 30,395 7,832 2,785 1,911 103,545 103,545 10,000,000 7,824 2,922 1,934 117,089 117,089 10,000,000 0
6 30,395 7,806 3,129 1,968 126,123 126,123 10,000,000 7,793 3,330 2,002 145,609 145,609 10,000,000 0
7 30,395 7,763 3,482 2,024 149,230 149,230 10,000,000 7,745 3,763 2,071 175,940 175,940 10,000,000 0
8 30,395 7,728 3,845 2,083 172,867 172,867 10,000,000 7,704 4,222 2,147 208,186 208,186 10,000,000 0
9 30,395 7,709 4,220 2,147 197,023 197,023 10,000,000 7,678 4,709 2,230 242,448 242,448 10,000,000 0
10 30,395 7,715 4,604 2,217 228,972 228,972 10,000,000 7,675 5,226 2,322 286,119 286,119 10,000,000 0
11 30,395 7,750 5,169 2,325 272,834 272,834 10,000,000 7,699 5,945 2,456 343,994 343,994 10,000,000 0
12 30,395 7,829 5,804 2,454 317,485 317,485 10,000,000 7,765 6,766 2,616 405,313 405,313 10,000,000 0
13 0 7,990 6,083 2,533 330,860 330,860 10,000,000 7,910 7,256 2,730 437,014 437,014 10,000,000 0
14 0 8,207 6,355 2,621 342,492 342,492 10,000,000 8,109 7,759 2,856 468,699 468,699 10,000,000 0
15 0 8,499 6,609 2,719 353,947 353,947 10,000,000 8,379 8,266 2,996 501,975 501,975 10,000,000 0
16 0 8,848 6,867 2,829 365,077 365,077 10,000,000 8,702 8,798 3,150 536,801 536,801 10,000,000 0
17 0 9,277 7,126 2,952 375,736 375,736 10,000,000 9,100 9,354 3,322 573,144 573,144 10,000,000 0
18 0 9,771 7,384 3,088 385,842 385,842 10,000,000 9,557 9,935 3,509 611,034 611,034 10,000,000 0
19 0 10,354 7,642 3,239 395,302 395,302 10,000,000 10,096 10,541 3,715 650,496 650,496 10,000,000 0
20 0 11,017 7,899 3,405 404,041 404,041 10,000,000 10,707 11,174 3,939 691,582 691,582 10,000,000 0
21 0 11,777 8,154 3,588 411,978 411,978 10,000,000 11,405 11,833 4,183 734,340 734,340 10,000,000 0
22 0 12,635 8,408 3,788 419,056 419,056 10,000,000 12,187 12,522 4,448 778,850 778,850 10,000,000 0
23 0 13,597 8,658 4,006 425,282 425,282 10,000,000 13,060 13,240 4,734 825,268 825,268 10,000,000 0
24 0 14,681 8,906 4,246 430,593 430,593 10,000,000 14,038 13,990 5,045 873,689 873,689 10,000,000 0
25 0 15,918 9,152 4,513 434,924 434,924 10,000,000 15,146 14,774 5,386 924,221 924,221 10,000,000 0
26 0 17,326 9,394 4,810 438,149 438,149 10,000,000 16,399 15,592 5,758 976,920 976,920 10,000,000 0
27 0 18,945 9,633 5,144 440,139 440,139 10,000,000 17,830 16,448 6,170 1,031,852 1,031,852 10,000,000 0
28 0 20,833 9,865 5,526 440,658 440,658 10,000,000 19,488 17,339 6,629 1,088,994 1,088,994 10,000,000 0
29 0 23,031 10,089 5,961 439,467 439,467 10,000,000 21,403 18,269 7,141 1,148,331 1,148,331 10,000,000 0
30 0 25,597 10,301 6,462 436,228 436,228 10,000,000 23,621 19,235 7,714 1,209,767 1,209,767 10,000,000 0
31 0 28,583 10,498 7,035 430,572 430,572 10,000,000 26,178 20,237 8,355 1,273,189 1,273,189 10,000,000 0
32 0 32,018 10,676 7,685 422,081 422,081 10,000,000 29,088 21,275 9,065 1,338,455 1,338,455 10,000,000 0
33 0 35,922 10,830 8,415 410,317 410,317 10,000,000 32,353 22,348 9,846 1,405,420 1,405,420 10,000,000 0
34 0 40,294 10,801 9,197 395,053 395,053 10,000,000 35,956 23,300 10,666 1,474,169 1,474,169 10,000,000 0
35 0 45,086 10,592 10,022 376,175 376,175 10,000,000 39,834 24,136 11,515 1,544,920 1,544,920 10,000,000 0
36 0 50,261 10,338 10,908 353,475 353,475 10,000,000 43,938 24,998 12,408 1,617,826 1,617,826 10,000,000 0
37 0 55,752 10,037 11,842 326,906 326,906 10,000,000 48,187 25,887 13,333 1,693,213 1,693,213 10,000,000 0
38 0 61,264 10,132 12,851 351,725 351,725 10,000,000 52,510 26,809 14,277 1,771,619 1,771,619 10,000,000 0
39 0 66,759 10,480 13,903 382,020 382,020 10,000,000 56,839 27,771 15,230 1,853,763 1,853,763 10,000,000 0
40 0 72,299 10,883 14,973 416,946 416,946 10,000,000 61,139 28,783 16,186 1,940,547 1,940,547 10,000,000 0
*Other charges includes Premium Allocation Charge, Policy Admin Charge, Fund Management Charge and Rider Charges, if any. See Part B for details.
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR
ILLUSTRATIVE PURPOSE.
I ___________________________ (name), have explained the I ___________________________ (name), having received the information with
premiums, charges and benefits under the policy fully to the respect to the above, have understood the above statement before entering into
prospect / policyholder. the contract.
Place: I Am Red
Date: Signature of Agent/ Intermediary/ Official Date: Signature of Prospect/ Policyholder
Part B
Gross Yield 8% p.a Net Yield 7.66% Amount in Rupees
Annualized
Premium
Annualized Premium
Allocation Mortality Policy Admin Guarantee Rider Additions to Fund before Fund at End Surrender Death
Policy Year Premium - Premium GST FMC
Charge charge Charge Charge Charges the Fund* FMC of Year Value Benefit
(AP) Allocation
(PAC)
Charges
1 30,395 3,647 26,748 7,368 2,031 0 NA 0 0 18,807 266 18,785 15,245 10,000,000
2 30,395 1,824 28,571 7,613 1,793 0 NA 0 0 40,828 525 40,780 38,420 10,000,000
3 30,395 1,520 28,875 7,756 1,814 0 NA 0 0 64,485 802 64,408 62,638 10,000,000
4 30,395 912 29,483 7,819 1,770 0 NA 0 0 90,361 1,104 90,254 89,074 10,000,000
5 30,395 0 30,395 7,824 1,934 1,495 NA 0 0 117,227 1,427 117,089 117,089 10,000,000
6 30,395 0 30,395 7,793 2,002 1,570 NA 0 0 145,781 1,760 145,609 145,609 10,000,000
7 30,395 0 30,395 7,745 2,071 1,649 NA 0 0 176,148 2,114 175,940 175,940 10,000,000
8 30,395 0 30,395 7,704 2,147 1,731 NA 0 0 208,432 2,491 208,186 208,186 10,000,000
9 30,395 0 30,395 7,678 2,230 1,818 NA 0 0 242,735 2,891 242,448 242,448 10,000,000
10 30,395 0 30,395 7,675 2,322 1,909 NA 0 7,295 279,153 3,317 286,119 286,119 10,000,000
11 30,395 0 30,395 7,699 2,456 2,004 NA 0 18,384 339,518 3,941 343,994 343,994 10,000,000
12 30,395 0 30,395 7,765 2,616 2,104 NA 0 18,266 401,478 4,662 405,313 405,313 10,000,000
13 0 0 0 7,910 2,730 2,209 NA 0 17,335 434,410 5,047 437,014 437,014 10,000,000
14 0 0 0 8,109 2,856 2,320 NA 0 15,639 467,948 5,439 468,699 468,699 10,000,000
15 0 0 0 8,379 2,996 2,436 NA 0 15,647 501,262 5,830 501,975 501,975 10,000,000
16 0 0 0 8,702 3,150 2,558 NA 0 15,586 536,135 6,240 536,801 536,801 10,000,000
17 0 0 0 9,100 3,322 2,686 NA 0 15,491 572,529 6,668 573,144 573,144 10,000,000
18 0 0 0 9,557 3,509 2,820 NA 0 15,408 610,471 7,115 611,034 611,034 10,000,000
19 0 0 0 10,096 3,715 2,961 NA 0 15,356 649,984 7,580 650,496 650,496 10,000,000
20 0 0 0 10,707 3,939 3,109 NA 0 15,349 691,119 8,065 691,582 691,582 10,000,000
21 0 0 0 11,405 4,183 3,264 NA 0 15,399 733,925 8,569 734,340 734,340 10,000,000
22 0 0 0 12,187 4,448 3,428 NA 0 15,531 778,477 9,094 778,850 778,850 10,000,000
23 0 0 0 13,060 4,734 3,599 NA 0 15,820 824,925 9,641 825,268 825,268 10,000,000
24 0 0 0 14,038 5,045 3,779 NA 0 16,217 873,371 10,211 873,689 873,689 10,000,000
25 0 0 0 15,146 5,386 3,968 NA 0 16,758 923,917 10,806 924,221 924,221 10,000,000
26 0 0 0 16,399 5,758 4,166 NA 0 17,404 976,624 11,426 976,920 976,920 10,000,000
27 0 0 0 17,830 6,170 4,375 NA 0 18,200 1,031,555 12,073 1,031,852 1,031,852 10,000,000
28 0 0 0 19,488 6,629 4,593 NA 0 19,115 1,088,689 12,746 1,088,994 1,088,994 10,000,000
29 0 0 0 21,403 7,141 4,823 NA 0 20,193 1,148,006 13,446 1,148,331 1,148,331 10,000,000
30 0 0 0 23,621 7,714 5,064 NA 0 21,414 1,209,413 14,171 1,209,767 1,209,767 10,000,000
31 0 0 0 26,178 8,355 5,317 NA 0 22,810 1,272,794 14,920 1,273,189 1,273,189 10,000,000
32 0 0 0 29,088 9,065 5,583 NA 0 24,375 1,338,007 15,692 1,338,455 1,338,455 10,000,000
33 0 0 0 32,353 9,846 5,862 NA 0 26,121 1,404,906 16,486 1,405,420 1,405,420 10,000,000
34 0 0 0 35,956 10,666 6,000 NA 0 28,075 1,473,574 17,300 1,474,169 1,474,169 10,000,000
35 0 0 0 39,834 11,515 6,000 NA 0 30,293 1,544,225 18,136 1,544,920 1,544,920 10,000,000
36 0 0 0 43,938 12,408 6,000 NA 0 32,799 1,617,008 18,998 1,617,826 1,617,826 10,000,000
37 0 0 0 48,187 13,333 6,000 NA 0 35,660 1,692,247 19,887 1,693,213 1,693,213 10,000,000
38 0 0 0 52,510 14,277 6,000 NA 0 38,976 1,770,470 20,809 1,771,619 1,771,619 10,000,000
39 0 0 0 56,839 15,230 6,000 NA 0 42,805 1,852,393 21,771 1,853,763 1,853,763 10,000,000
40 0 0 0 61,139 16,186 6,000 NA 0 47,243 1,938,911 22,783 1,940,547 1,940,547 10,000,000
Gross Yield 4% p.a Amount in Rupees
Annualized
Premium
Annualized Premium
Allocation Mortality Policy Admin Guarantee Rider Additions to Fund before Fund at End Surrender Death
Policy Year Premium - Premium GST FMC
Charge charge Charge Charge Charges the Fund* FMC of Year Value Benefit
(AP) Allocation
(PAC)
Charges
1 30,395 3,647 26,748 7,368 2,030 0 NA 0 0 17,960 261 17,939 14,399 10,000,000
2 30,395 1,824 28,571 7,614 1,789 0 NA 0 0 38,291 503 38,246 35,886 10,000,000
3 30,395 1,520 28,875 7,759 1,806 0 NA 0 0 59,333 754 59,263 57,493 10,000,000
4 30,395 912 29,483 7,825 1,756 0 NA 0 0 81,566 1,018 81,470 80,290 10,000,000
5 30,395 0 30,395 7,832 1,911 1,495 NA 0 0 103,667 1,290 103,545 103,545 10,000,000
6 30,395 0 30,395 7,806 1,968 1,570 NA 0 0 126,272 1,559 126,123 126,123 10,000,000
7 30,395 0 30,395 7,763 2,024 1,649 NA 0 0 149,407 1,833 149,230 149,230 10,000,000
8 30,395 0 30,395 7,728 2,083 1,731 NA 0 0 173,072 2,114 172,867 172,867 10,000,000
9 30,395 0 30,395 7,709 2,147 1,818 NA 0 0 197,256 2,402 197,023 197,023 10,000,000
10 30,395 0 30,395 7,715 2,217 1,909 NA 0 7,295 221,939 2,695 228,972 228,972 10,000,000
11 30,395 0 30,395 7,750 2,325 2,004 NA 0 18,384 268,275 3,165 272,834 272,834 10,000,000
12 30,395 0 30,395 7,829 2,454 2,104 NA 0 18,268 313,546 3,700 317,485 317,485 10,000,000
13 0 0 0 7,990 2,533 2,209 NA 0 17,341 328,129 3,874 330,860 330,860 10,000,000
14 0 0 0 8,207 2,621 2,320 NA 0 15,649 341,591 4,035 342,492 342,492 10,000,000
15 0 0 0 8,499 2,719 2,436 NA 0 15,665 353,058 4,173 353,947 353,947 10,000,000
16 0 0 0 8,848 2,829 2,558 NA 0 15,612 364,205 4,309 365,077 365,077 10,000,000
17 0 0 0 9,277 2,952 2,686 NA 0 15,526 374,884 4,440 375,736 375,736 10,000,000
18 0 0 0 9,771 3,088 2,820 NA 0 15,456 385,008 4,564 385,842 385,842 10,000,000
19 0 0 0 10,354 3,239 2,961 NA 0 15,419 394,482 4,681 395,302 395,302 10,000,000
20 0 0 0 11,017 3,405 3,109 NA 0 15,429 403,231 4,790 404,041 404,041 10,000,000
21 0 0 0 11,777 3,588 3,264 NA 0 15,500 411,172 4,890 411,978 411,978 10,000,000
22 0 0 0 12,635 3,788 3,428 NA 0 15,658 418,245 4,980 419,056 419,056 10,000,000
23 0 0 0 13,597 4,006 3,599 NA 0 15,979 424,452 5,059 425,282 425,282 10,000,000
24 0 0 0 14,681 4,246 3,779 NA 0 16,413 429,733 5,127 430,593 430,593 10,000,000
25 0 0 0 15,918 4,513 3,968 NA 0 16,998 434,021 5,184 434,924 434,924 10,000,000
26 0 0 0 17,326 4,810 4,166 NA 0 17,695 437,191 5,228 438,149 438,149 10,000,000
27 0 0 0 18,945 5,144 4,375 NA 0 18,553 439,112 5,258 440,139 440,139 10,000,000
28 0 0 0 20,833 5,526 4,593 NA 0 19,541 439,549 5,272 440,658 440,658 10,000,000
29 0 0 0 23,031 5,961 4,823 NA 0 20,707 438,259 5,266 439,467 439,467 10,000,000
30 0 0 0 25,597 6,462 5,064 NA 0 22,034 434,906 5,237 436,228 436,228 10,000,000
31 0 0 0 28,583 7,035 5,317 NA 0 23,555 429,117 5,181 430,572 430,572 10,000,000
32 0 0 0 32,018 7,685 5,583 NA 0 25,269 420,472 5,093 422,081 422,081 10,000,000
33 0 0 0 35,922 8,415 5,862 NA 0 27,194 408,534 4,968 410,317 410,317 10,000,000
34 0 0 0 40,294 9,197 6,000 NA 0 29,362 393,071 4,801 395,053 395,053 10,000,000
35 0 0 0 45,086 10,022 6,000 NA 0 31,837 373,963 4,592 376,175 376,175 10,000,000
36 0 0 0 50,261 10,908 6,000 NA 0 34,653 351,001 4,338 353,475 353,475 10,000,000
37 0 0 0 55,752 11,842 6,000 NA 0 37,890 324,132 4,037 326,906 326,906 10,000,000
38 0 0 0 61,264 12,851 6,000 NA 0 95,582 346,274 4,132 351,725 351,725 10,000,000
39 0 0 0 66,759 13,903 6,000 NA 0 106,820 376,050 4,480 382,020 382,020 10,000,000
40 0 0 0 72,299 14,973 6,000 NA 0 117,147 410,454 4,883 416,946 416,946 10,000,000
Notes:
1. Refer the sales literature for explanation of terms used in this illustration.
2. Fund management charge is based on the specific fund option(s) chosen.
3. *Additions to the Fund refers to the periodic additions through A) Refund of 2X Mortality Charges, B) Refund of 2X Premium Allocation Charges and C)
Cover Continuance Booster.
The rider sum assured shall remain unchanged for a period as specified under ‘Guaranteed Period’ from the Date of Commencement of the benefit option.
Upon the completion of ‘Guaranteed Period’, the sum assured as applicable for the benefit option may be revised or the policyholder may be given an
option of top up premium to restore the benefit to original amount, subject to IRDAI’s approval. The top up premium may be payable as a single premium/
level premium during the block of next guarantee period. The requirement of paying the Top up premium in order to continue with the current level of
benefit may be applicable even after expiry of limited pay premium term.
I ___________________________ (name), have explained the I ___________________________ (name), having received the information with
premiums, charges and benefits under the policy fully to the respect to the above, have understood the above statement before entering into
prospect / policyholder. the contract.
Place: I Am Red
Date: Signature of Agent/ Intermediary/ Official Date: Signature of Prospect/ Policyholder