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BANDRUSKs

AASHAYEINJEENE KI NAYI UMEED

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Features

Single Premium

Guaranteed Addition (Rs.100 / Rs.90)

Loyalty Additions

High Risk coverage in 1

st

year

Risk coverage at very low premium

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Maturity Benefit:

Maturity Sum Assured (1/6th of Basic SA)Guaranteed Additions for full termLoyalty Additions

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In case of Death of LA

1st Year

Basic SA (6 times of Maturity SA) + GA for 1 Yr

2nd to 4th Yr /9th yr1/3rd Basic SA + GA for 4Yr/9Yr

Last Policy Year1/3rd of Basic SA + GA for full term + LA

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Loan

YES. Loan facility is availableunder this plan.

Surrender

YES. The policy can be surrendered for

cash after completion of atleast onepolicy year.

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ELIGIBILITY CONDITIONS AND RESTRICTIONS

Min age at entry : 13 years (completed)Max age at entry : 60 yrs nearer birthday

Term : 5 Yrs or 10 years.Min SA : Rs. 1,50,000 /-

Max Sum assured : No limit

S A will be in multiples of Rs.30,000 /- only.

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Age / Term

Tabular Prem rate 1000 Basic SA

5 Yrs 10 Yrs

13 174.05 164.45

18 174.40 164.85

20 174.50 165.00

25 174.65 165.15

30 174.70 165.40

35 175.10 166.25

40 176.10 167.95

45 177.75 170.90

50 180.85 175.90

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Rebates:

Large Sum Assured Rebate ontabular premium per thousand Basic Sum Assured

Basic Sum Assured

Term

5 Year 10 Year

Below Rs. 3, 00,000 Nil Nil

Rs. 3, 00,000 to Rs.5, 99,999 Rs. 2.00 Rs 3.00

Rs. 6, 00,000 to Rs. 11, 99,999 Rs. 2.50 Rs 3.50

Rs. 12, 00,000 and above Rs 3.00 Rs 4.00

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Age / Term

Prem for 1,50, 000 Basic SA

5 Yrs 10 Yrs

13 26108 24668

18 26160 24728

20 26175 24750

25 26198 24773

30 26205 24810

35 26265 24938

40 26415 25193

45 26663 25635

50 27128 26385

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ILLUSTRATIONAge of LP 25 Yrs, BSA 3 lac

Term 5 Yrs 10 Yrs

Premium 51,795 48,645

Maturity 72,500 +LA 1,00,000+LA

Yield (without LA &Tax ) 6.96 % 7.47 %

Death in 1st Year Rs. 6,09,000 Rs.6,10,000

Death after 1Yrbefore last Policy yr

Rs.2lac +GA(18,000 to 36,000)

Rs.2lac +GA(20,000 to 90,000)

Death during last

Policy Year

Rs.1 lac +GA of

Rs.45,000 +LA

Rs.1 lac +GA of

Rs.1 lac +LA

BANDRUSKS

AASHAYEIN

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ILLUSTRATIONAge of LP 25 Yrs, BSA 6 lac

Term 5 Yrs 10 Yrs

Premium 1,03,290 96,990

Maturity 1,45,000 +LA 2,00,000+LA

Yield (without LA &Tax ) 7.02% 7.51%

Death in 1st Year Rs. 6,09,000 Rs.6,10,000

Death after 1Yrbefore last Policy yr

Rs.2lac +GA(18,000 to 36,000)

Rs.2lac +GA(20,000 to 90,000)

Death during last

Policy Year

Rs.1 lac +GA of

Rs.45,000 +LA

Rs.1 lac +GA of

Rs.1 lac +LA

BANDRUSKS

AASHAYEIN

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What is great in this Plan

Premiums are very low

Attractive Yield (8%)

Insurance and Double Plus

Tax free Maturity / Death Benefit

Loyalty Additions at Maturity

Loan facility

Surrender facility

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Likely LA Yield

0 7.32 %

Rs.1,000 7.53 %

Rs.2,000 7.74 %

Rs.3,000 7.95 %

Rs.4,000 8.15 %

Rs.5,000 8.35 %

Rs.6,000 8.54 %

Rs.8,000 8.93 %

Rs.10,000 9.30 %

Aashayein Yield Chart for different rates of LAAge : 13 Yrs; Term : 10 Yrs BSA of Rs.1,50,000.

DOC 15.12.2008

Single Premium paid Rs. 24,668 /-

Risk Benefits available

1. Rs.1,50,000 + Rs. 2500 upto 14.12.09

2. Rs.50,000 GA(2500-22500) from15.12.09 till 14.12.2017

3. Rs.50,000 +GA 25,000 + LA (last Year)

Maturity amount payable on 15.12.2018

Rs.25,000 SA plusRs.25,000 GA plusLoyalty Additions

All the above are TAX FREE

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Target GroupIs it People looking for Long Term Investment withreasonable return & Insurance Coverage, like -Farmers, Professionals, Retired employees, Software

Engineers, Doctors, Lawyers, NRIs, etc. etc. ?

NO !Any body who can invest a minimumamount of Rs. 10000 + should be our target

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THE BEST INVESTMENT for an agriculturist

for landlord / landlady

For a keen Investor, who also

needs Insurance protection Re-cycling Instrument

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THIS IS THE BEST GIFT

to Grand Child by a Grand parent

to a child by his Parent for Higher Edn

to a spouse by a Retiring Employee

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Plant

a Aashayein TODAYfor your FUTURE

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Thank you