Comp-January-2014-2409 FOR INTERNAL CIRCULATION ONLY

Aajeevan Sampatti + FAB

Features Advantages Benefits 1. Limited Premium Payment terms

Limited Premium payment term of either 10 or 15 years. Choose Premium payment term as per your convenience.

No long term commitments of premium payment

2. Guaranteed Annual Income

Ensures you a guaranteed annual income of 5.5% or 6% of Sum Assured depending upon policy term chosen starting from 10th year onwards till maturity

Your income is assured in times of crisis or to fulfill your needs

3. Cash Bonuses Cash Bonuses get paid out annually from 6th year onwards till maturity.

Addition to your Guaranteed annual income

4. Death Benefit Higher of Sum Assured on Maturity or 11 times Annualized Premium or 105% of all premiums paid.

A lump sum amount is paid to the nominee to take care of his needs

5. Minimum Annual Premium of Rs 10,801 and Rs 6,934 for a 10 and 15 year premium payment term respectively

Affordable for everyone Can be pitched to all income groups

6. Policy term Option to choose from two policy terms: to age 100 and to age 85

Once can choose policy term and decide to receive benefits till 100 years of age or 85 years of age.

7. Age at entry from as low as 91 days

Open to big customer base Open to juvenile ages as well, can be given as a child plan

8. Option of reduced paid up

Helps in case of financial problems Customer has an option to go for reduced paid up in case of financial problems without discontinuing the policy. Reduced income is payable to him

9. Option of attaching Premium waiver rider

Can be pitched to customer as an additional benefit

Benefit to the customer if the proposer and Life Insured are different. Future Premiums are waived off in case of Proposers death

10. Tax Benefits on Premiums & Benefits

Tax benefits on premiums paid (up to 100000) and benefits received under section 80 C and section 10(10D) of the Income Tax Act, 1961

One can save tax up to 33,000 every year till the date of maturity