Smart Pla na Supreme

Level Guaranteed Income

Age 30 Premium Paying Term 10 Years
Years Annual Premium Op on to enhance protec on
31 100000 Natural Risk Cover 1100000
32 100000 Accidental Death Benefit 3300000
33 100000 Accidental Par al Permanent Disability Benefit 1100000
34 100000 Total Comprehensive Risk Cover 5500000
35 100000 Features….
36 100000 1) Enhanced Guaranteed Income for higer premium.
37 100000 2) Loan against Policy available
38 100000 3) Security: Life insurance cover during Policy Term for financial
39 100000 protec on of family.
40 100000 4) Flexibility: To choose Premium Payment Term & frequency,
41 Policy Term, Pay-out Period & income frequency.
42 5) Maturity benefit in the form of Level / Guaranteed Income
43 during the pay-out period along with 110% of the Total
Deferment Period - 5 Years Premiums paid# at the end of Pay-out Period.
44

45 Payout Term Payout Term Payout Term Payout Term

15 Years 20 Years 25 Years 30 Years
46 133389 125425 121422 119027
47 133389 125425 121422 119027
48 133389 125425 121422 119027
49 133389 125425 121422 119027
50 133389 125425 121422 119027
51 133389 125425 121422 119027
52 133389 125425 121422 119027
53 133389 125425 121422 119027
54 133389 125425 121422 119027
55 133389 125425 121422 119027
56 133389 125425 121422 119027
57 133389 125425 121422 119027
58 133389 125425 121422 119027
59 133389 125425 121422 119027
60 15 Year Payout 133389 125425 121422 119027
61 125425 121422 119027
62 125425 121422 119027
63 125425 121422 119027
64 125425 121422 119027
65 20 Year Payout 125425 121422 119027
66 121422 119027
67 121422 119027
68 121422 119027
69 121422 119027
70 25 Year Payout 121422 119027
71 119027
72 119027
73 119027
74 119027
75 30 Year Payout 119027
Total Premium Paid 1000000
Maturity 1100000 1100000 1100000 1100000
Total Payouts 2000835 2508500 3035550 3570810
Total Benefit 3100835 3608500 4135550 4670810
Total Income Tax Benefit 1230251 1382550 1540665 1701243
Net IRR Considering Tax Benefit 8.47% 8.83% 9.04% 9.16%
 Smart Pla na Supreme
Level Guaranteed Income
Age 30 Premium Paying Term 10 Years
Years Annual Premium Op on to enhance protec on
31 200000 Natural Risk Cover 2200000
32 200000 Accidental Death Benefit 6600000
33 200000 Accidental Par al Permanent Disability Benefit 2200000
34 200000 Total Comprehensive Risk Cover 11000000
35 200000 Features….
36 200000 1) Enhanced Guaranteed Income for higer premium.
37 200000 2) Loan against Policy available
38 200000 3) Security: Life insurance cover during Policy Term for financial
39 200000 protec on of family.
40 200000 4) Flexibility: To choose Premium Payment Term & frequency,
41 Policy Term, Pay-out Period & income frequency.
42 5) Maturity benefit in the form of Level / Guaranteed Income
43 during the pay-out period along with 110% of the Total
Deferment Period - 5 Years
44 Premiums paid# at the end of Pay-out Period.
Payout Term Payout Term Payout Term Payout Term
45
15 Years 20 Years 25 Years 30 Years
46 270895 254721 246592 241727
47 270895 254721 246592 241727
48 270895 254721 246592 241727
49 270895 254721 246592 241727
50 270895 254721 246592 241727
51 270895 254721 246592 241727
52 270895 254721 246592 241727
53 270895 254721 246592 241727
54 270895 254721 246592 241727
55 270895 254721 246592 241727
56 270895 254721 246592 241727
57 270895 254721 246592 241727
58 270895 254721 246592 241727
59 270895 254721 246592 241727
60 15 Year Payout 270895 254721 246592 241727
61 254721 246592 241727
62 254721 246592 241727
63 254721 246592 241727
64 254721 246592 241727
65 20 Year Payout 254721 246592 241727
66 246592 241727
67 246592 241727
68 246592 241727
69 246592 241727
70 25 Year Payout 246592 241727
71 241727
72 241727
73 241727
74 241727
75 30 Year Payout 241727
Total Premium Paid 2000000
Maturity 2200000 2200000 2200000 2200000
Total Payouts 4063425 5094420 6164800 7251810
Total Benefit 6263425 7294420 8364800 9451810
Total Income Tax Benefit 2479028 2788326 3109440 3435543
Net IRR Considering Tax Benefit 8.56% 8.91% 9.12% 9.24%
 Smart Pla na Supreme
Level Guaranteed Income
Age 30 Premium Paying Term 10 Years
Years Annual Premium Op on to enhance protec on
31 300000 Natural Risk Cover 3300000
32 300000 Accidental Death Benefit 9900000
33 300000 Accidental Par al Permanent Disability Benefit 3300000
34 300000 Total Comprehensive Risk Cover 16500000
35 300000 Features….
36 300000 1) Enhanced Guaranteed Income for higer premium.
37 300000 2) Loan against Policy available
38 300000
3) Security: Life insurance cover during Policy Term for financial
39 300000 protec on of family.
40 . 300000
4) Flexibility: To choose Premium Payment Term & frequency,
41 Policy Term, Pay-out Period & income frequency.
42
5) Maturity benefit in the form of Level / Guaranteed Income
43 during the pay-out period along with 110% of the Total
Deferment Period - 5 Years
44 Premiums paid# at the end of Pay-out Period.
Payout Term Payout Term Payout Term Payout Term
45
15 Years 20 Years 25 Years 30 Years
46 406342 382081 369887 362590
47 406342 382081 369887 362590
48 406342 382081 369887 362590
49 406342 382081 369887 362590
50 406342 382081 369887 362590
51 406342 382081 369887 362590
52 406342 382081 369887 362590
53 406342 382081 369887 362590
54 406342 382081 369887 362590
55 406342 382081 369887 362590
56 406342 382081 369887 362590
57 406342 382081 369887 362590
58 406342 382081 369887 362590
59 406342 382081 369887 362590
60 15 Year Payout 406342 382081 369887 362590
61 382081 369887 362590
62 382081 369887 362590
63 382081 369887 362590
64 382081 369887 362590
65 20 Year Payout 382081 369887 362590
66 369887 362590
67 369887 362590
68 369887 362590
69 369887 362590
70 25 Year Payout 369887 362590
71 362590
72 362590
73 362590
74 362590
75 30 Year Payout 362590
Total Premium Paid 3000000
Maturity 3300000 3300000 3300000 3300000
Total Payouts 6095130 7641620 9247175 10877700
Total Benefit 9395130 10941620 12547175 14177700
Total Income Tax Benefit 3718539 4182486 4664153 5153310
Net IRR Considering Tax Benefit 8.56% 8.91% 9.12% 9.24%
 Smart Pla na Supreme
Level Guaranteed Income
Age 30 Premium Paying Term 10 Years
Years Annual Premium Op on to enhance protec on
31 400000 Natural Risk Cover 4400000
32 400000 Accidental Death Benefit 13200000
33 400000 Accidental Par al Permanent Disability Benefit 4400000
34 400000 Total Comprehensive Risk Cover 22000000
35 400000 Features….
36 400000 1) Enhanced Guaranteed Income for higer premium.
37 400000 2) Loan against Policy available
38 400000 3) Security: Life insurance cover during Policy Term for financial
39 400000 protec on of family.
40 400000 4) Flexibility: To choose Premium Payment Term & frequency,
41 Policy Term, Pay-out Period & income frequency.
42 5) Maturity benefit in the form of Level / Guaranteed Income
43 during the pay-out period along with 110% of the Total
Deferment Period - 5 Years Premiums paid# at the end of Pay-out Period.
44
Payout Term Payout Term Payout Term Payout Term
45
15 Years 20 Years 25 Years 30 Years
46 541790 509441 493183 483453
47 541790 509441 493183 483453
48 541790 509441 493183 483453
49 541790 509441 493183 483453
50 541790 509441 493183 483453
51 541790 509441 493183 483453
52 541790 509441 493183 483453
53 541790 509441 493183 483453
54 541790 509441 493183 483453
55 541790 509441 493183 483453
56 541790 509441 493183 483453
57 541790 509441 493183 483453
58 541790 509441 493183 483453
59 541790 509441 493183 483453
60 15 Year Payout 541790 509441 493183 483453
61 509441 493183 483453
62 509441 493183 483453
63 509441 493183 483453
64 509441 493183 483453
65 20 Year Payout 509441 493183 483453
66 493183 483453
67 493183 483453
68 493183 483453
69 493183 483453
70 25 Year Payout 493183 483453
71 483453
72 483453
73 483453
74 483453
75 30 Year Payout 483453
Total Premium Paid 4000000
Maturity 4400000 4400000 4400000 4400000
Total Payouts 8126850 10188820 12329575 14503590
Total Benefit 12526850 14588820 16729575 18903590
Total Income Tax Benefit 4958055 5576646 6218873 6871077
Net IRR Considering Tax Benefit 8.56% 8.91% 9.12% 9.24%
 Smart Pla na Supreme
Level Guaranteed Income
Age 30 Premium Paying Term 10 Years
Years Annual Premium Op on to enhance protec on
31 500000 Natural Risk Cover 5500000
32 500000 Accidental Death Benefit 16500000
33 500000 Accidental Par al Permanent Disability Benefit 5500000
34 500000 Total Comprehensive Risk Cover 27500000
35 500000 Features….
36 500000 1) Enhanced Guaranteed Income for higer premium.
37 500000 2) Loan against Policy available
38 500000 3) Security: Life insurance cover during Policy Term for financial
39 500000 protec on of family.
40 500000 4) Flexibility: To choose Premium Payment Term & frequency,
41 Policy Term, Pay-out Period & income frequency.
42 5) Maturity benefit in the form of Level / Guaranteed Income
43 during the pay-out period along with 110% of the Total
Deferment Period - 5 Years
44 Premiums paid# at the end of Pay-out Period.
Payout Term Payout Term Payout Term Payout Term
45
15 Years 20 Years 25 Years 30 Years
46 684955 644059 623504 611203
47 684955 644059 623504 611203
48 684955 644059 623504 611203
49 684955 644059 623504 611203
50 684955 644059 623504 611203
51 684955 644059 623504 611203
52 684955 644059 623504 611203
53 684955 644059 623504 611203
54 684955 644059 623504 611203
55 684955 644059 623504 611203
56 684955 644059 623504 611203
57 684955 644059 623504 611203
58 684955 644059 623504 611203
59 684955 644059 623504 611203
60 15 Year Payout 684955 644059 623504 611203
61 644059 623504 611203
62 644059 623504 611203
63 644059 623504 611203
64 644059 623504 611203
65 20 Year Payout 644059 623504 611203
66 623504 611203
67 623504 611203
68 623504 611203
69 623504 611203
70 25 Year Payout 623504 611203
71 611203
72 611203
73 611203
74 611203
75 30 Year Payout 611203
Total Premium Paid 5000000
Maturity 5500000 5500000 5500000 5500000
Total Payouts 10274325 12881180 15587600 18336090
Total Benefit 15774325 18381180 21087600 23836090
Total Income Tax Benefit 6232298 7014354 7826280 8650827
Net IRR Considering Tax Benefit 8.62% 8.97% 9.18% 9.29%