EMFS

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Whole Life Participating Plan:

Features:

Eligibility Criteria

Criteria Eligibility

Entry age 91 days to 70 years

Maximum Maturity Age 100 years

Premium Payment Term Regular

Minimum Sum Assured Rs. 100,000

Maximum Sum Assured Rs. 5 Crore

Benefits

Maturity BenefitWe will pay an amount equal to Sum Assured along with accrued bonus (if any)

Death Benefit We will pay an amount equal to Sum Assured along with accrued bonus (if any)

If death occurs before life insured reaches age 10 , the company will refund all the premiums paid

along with interestOption to Participate in Progressive Bonuses

It allows you to top up your premiums to purchase additional Sum Assured towards your existing policy. It alsogenerates further bonuses.

Bonus Options Paid in Cash

Premium Offset

Paid up AdditionsNon-Forfeiture OptionsIn case you are unable to pay your premiums, your policy will lapse and we will utilize your cash value to buyyou insurance coverage in one of the following ways:

Reduced Paid Up: A lower Sum Assured for the remaining term of your policy

Extended Term Insurance: The same Sum Assured is for part of the remaining term of your policy

In case , you do not want either of the above, you can choose to take the cash value by cheque

Key benefits: Insurance cover up to age 100 Option to Participate in Progressive Bonuses Tax benefits on premiums and maturity proceeds

Additional protection through riders

Bonus declared every year from 3rd policy year onwards

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Life Pay Money Back Plan

Features:



Entry age 91 days to 50 yearsMaturity age 60 years


Maximum Sum Assured Rs. 5 crore

Living Benefit

Sum Assured plus accrued bonusesDeath Benefit

Sum Assured plus Sum Assured of Paid Up Additions, if any (without deducting any money back

installments, if already paid).

However on death before age 10 we will refund the premiums with interestBonus Options

Paid in Cash Premium Offset

Paid up Additions

Non-Forfeiture Options

In case you are unable to pay your premiums, your policy will lapse and we will utilize your cash value to buyyou insurance coverage in one of the following ways:

Reduced Paid Up : A lower Sum Assured for the remaining term of your policy

Extended Term Insurance: The same Sum Assured for part of the remaining term of your Policy.In case you do not want either of the above, you can choose to take the cash value by cheque

Benefits:

Guaranteed Financial Protection Money Backs at Regular Intervals Tax benefits on premiums and maturity proceeds

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Additional protection through riders Bonus declared every year after the 3rd policy year

20 year Endowment (Par) Plan

Features:



Entry age 20 years to 50 years

Maturity age 70 years



Living Benefit


Sum Assured plus accrued bonusesBonus Option


Paid up Additions



Reduced Paid Up : A lower Sum Assured for the remaining term of your policy

Extended Term Insurance: The same Sum Assured for part of the remaining term of your policy

In case you do not want either of the above, you can choose to take the cash value by cheque.

Key benefits: Guaranteed Financial Protection Tax benefits on premiums and maturity proceeds Additional protection through riders Bonus declared every year from 3rd policy year onwards

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Max New York Life Platinum Protect

Features:



Minimum/ Maximum Age at Entry 18 years / 60 years

Expiry Age 75 years

Policy Term 10 years, 15 years, 20 years, 25 years or 30 years

Sum Assured Minimum: 25 lacs, subject to minimum annual premium of Rs.5,000Maximum: No LimitThe sum assured is available in multiples of Rs 5 lacs only.

Minimum Premium Rs 5,000 per annum for annual premium paying mode. For non-annual modes, the modal factors will be applicable as

given belowPremium Option Regular Level Premium

Special Rates for special customers Lower premium rate for Females and non-smokers.

For Sum assureds 50 lacs and above, there are twoadditional benefits:

Special high sum assured discount.

Additional discount to healthier policyholders who do

not consume tobacco in any formReduced Insurance Cover If Premiums have been paid for at least 15 consecutive Policy

Years beginning with the Effective Date and the Policyholder discontinues payment of further Premium(s), the Policy willcontinue with a Reduced Insurance Cover as per the formulashown below.

Reduced Insurance Cover = [((Policy Year* 1) / PolicyTerm) 25%] * Sum Assured.

* Policy Year refers to the year of discontinuance of premiums

Example Male aged 30 takes Platinum Protect plan for 50Lac sum assured and a 20year term. If he stops payingpremium 16th policy year onwards, he will be eligible for 50%of sum assured as Reduced Insurance Cover for theremainder of the policy term.

Under Reduced Insurance Cover facility no rider benefitwill be made available.

If the Policyholder chooses to resume payment of Premiumwithin six months from the discontinuance of Premium, thenthe original sum assured may be restored at the discretion of the Company on production of evidence of insurability andpayment of premiums

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For complete details please refer to the Benefit Illustration andPolicy Contract.

Benefits

Death Benefit: Equal to Sum Assured of the policy

Current Tax Benefits : This insurance plan may entitle you certain tax benefits on your premiums as

well as on the benefits received under this policy U/s 80 C of the Income Tax act 1961 on the annual

premium of your policy.

Key benefits:

Comprehensive cover at nominal costs Lower rates for non smokers & healthier lives Increase your cover to reduce your premium Cover continues even if you stop paying premium Riders to protect your family from Death, Disease and Disability

ILLUSTRATIVE EXAMPLE

Sample Premium* rates for 50 Lac Sum Assured (Annual mode)

Age Preferred Non Smoker Non Smoker Smoker

30 7,250 8,050 9,10035 9,700 11,000 12,80040 13,950 16,350 19,450

45 20,650 24,900 30,250

Life Gain Endowment Plan

Features:



Entry age 91 days 65 years (10 year plan)91 days 60 years (15 year plan)91 days 55 years (20year plan)91 days 50 years (25 year plan)91 days 50 years (to Age 60 plan)

Maturity Age 75 Years


Maximum Sum Assured No Limit (subject to underwriting)

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Living Benefit

Sum Assured plus Guaranteed Addition @ 10% of Sum Assured plus accrued bonus plus terminal

bonus (if any)Death Benefit

Sum Assured plus accrued bonus

However , in the case of death before the age of 10 we will refund the premiums with interestBonus Options


Paid up AdditionsNon-Forfeiture OptionsIn case you are unable to pay your premiums, your policy will lapse and the cash value will be used to buy youinsurance coverage in one of the following ways:

Reduced Paid Up: A smaller Sum Assured for the remaining term of your policy

Extended Term Insurance: The same Sum Assured is for part of the remaining term of your policy

In case, you do not want either of the above then you can opt to take the cash value by cheque.

Key benefits:

Guaranteed Financial Protection Tax benefits on premiums and maturity proceeds Additional protection through riders Bonus declared every year from 3rd policy year onwards

Endowment to Age 60 (Par) Plan

Features:



Entry age 91 days to 50 yearsMaturity age 60 years



Living Benefit


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Sum Assured plus Sum Assured of Paid Up Additions, if any (without deducting any money back

installments, if already paid).

However on death before age 10 we will refund the premiums with interestBonus Options


Paid up Additions



Reduced Paid Up :A lower Sum Assured for the remaining term of your policy

Extended Term Insurance: The same Sum Assured for part of the remaining term of your Policy.In case you do not want either of the above, you can choose to take the cash value by cheque.

Key benefits:

Guaranteed Financial Protection Tax benefits on premiums and maturity proceeds Additional protection through riders Bonus declared every year from 3rd policy year onwards

Max New York Life Secure Dreams

Features:Eligibility Criteria


Entry age of Life insured 21 years to 55 years, age as at last birthday

Maximum Maturity age of Life Insured 66 years

Policy term Pick a term between 11 years- 20 years

Premium paying term Equal to policy term

Minimum Annual Premium Rs.15,000

Maximum Annual Premium(depending upon the ageof Life insured)

Upto 40 years: Rs. 2,00,00041 years to 55 years: Rs. 1,00,000

Premium Payment Modes Annual, Semi-Annual, Quarterly, or Monthly

Sum Assured 10 times Annual Premium

Guaranteed Returns

Monthly Interest Credits with a minimum guaranteed rate.Guaranteed Policy Continuance with Funding

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Policy continues after death of life insured with regular Premium Funding.Guaranteed Policy Issuance

No Medicals, policy issuance basis declaration of good health in the proposal form.Guaranteed Living Benefits

Loyalty Bonus added to the policy in each of last 5 policy years.Guaranteed Protection

10 times of Annual Premium paid on death of life insured, option to add on Personal Accidental Benefit

rider.

Key benefits:

Death Benefit

As you have planned for this contingent event, incase the life insured dies we will immediately pay thesum assured equal to 10 times of the annual premium.

The policy shall continue to be in existence as it is and all the future premiums will be funded by the

company. The loyalty additions will also be credited while the policy is on a premium funding mode.

On actual maturity date of the policy, the maturity value will be paid to the nominee.Living Benefit

The plan offers Loyalty additions @ 10% of the annual premium and shall be credited to your account on

each of the last 5 policy anniversaries provided the policy is in force and all due premiums have been

paid.

The loyalty additions as and when credited enhance the account value and the interest is credited on the

enhanced account value, thereby making is a double benefit.Maturity Benefit

The plan matures as per the policy term chosen. The account value at the time of maturity is payable to

the policyholder and the contract ends. Please note that the account value at maturity will at least be a

value considering that the interest credits have happened at the rate of 3.5% throughout the policy term.

This value will also reflect in the benefit illustration under the guaranteed benefits column.Tax BenefitsThis plan may entitle you to certain tax benefits on your premiums as well as on your maturity value.

U/s 80C of the Income Tax Act 1961 on your premiums. U/s 10(10D) of the Income Tax Act 1961 on your maturity proceeds of the policy.

Please note that if the premium paid in a financial year exceeds 20% of the Sum Assured, 10 (10D) benefit will notbe available and 80C benefit will not be available for the premium exceeding 20% of the Sum Assured under thecurrent tax laws.

EMFS

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