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Name of Product

Kotak Safe Investment II Plan

Kotak Flexi Plan

Brief Product Description

Regular or limited pay market linked plan with guaranteed maturity value and higher allocation rates.

Regular or limited pay market linked plan with guaranteed maturity value.

FEATURES

Guaranteed Maturity Value

Guaranteed Maturity Value

Investment Portfolio

6 - Guaranteed Growth, Guaranteed Balanced, Guaranteed Bond, Guaranteed Floating Rate, Guaranteed Gilt, Guaranteed Money Market

6 - Guaranteed Growth, Guaranteed Balanced, Guaranteed Bond, Guaranteed Floating Rate, Guaranteed Gilt, Guaranteed Money Market

Max equity exposure Death Benefit

Maximum Equity Exposure - 40% to Maximum Equity Exposure - 40% to 80% 80% Higher of Sum Assured or Fund Sum Assured = Greater of (5 X Annual Value. 2 Options Premium, 0.5 X Policy Term X Annual in Sum Assured: Low Cover = Premium) Greater of (5 X Annual Premium, 0.5 X Policy Term X Annual Premium); High Cover = Term X Annual Premium.

Maturity Benefit

Guaranteed Maturity Value or market value of units in Main account, whichever is higher

Guaranteed Maturity Value or market value of units in Main account, whichever is higher

Top Up Premiums

Min - Rs. 10,000

Min - Rs. 10,000

Partial Withdrawal

Investment accessible after completion of 3 years, with no penalty charges from year 7 onwards (subject to retaining a minimum balance of one annualized basic premium)

Investment accessible after completion of 3 years, with no penalty charges from year 7 onwards (subject to retaining a minimum balance of one annualized basic premium)

Complete Surrender

No surrender allowed in the first 3 No surrender allowed in the first 3 policy years. Thereafter surrender policy years. Thereafter surrender involves a charge till year 7 involves a charge till year 7

LPP

3 pay for 10 year policy term 5,6,7 pay for 10 to 15 years policy term 10 & 15 pay for policy term of 15 years and above

3 pay for 10 year policy term 5,6,7 pay for 10 to 15 years policy term 10 & 15 pay for policy term of 15 years and above

Riders

7- Term benefit; Preferred term Benefit; Critical illness; Accidental death; Permanenet Disability; Life Guardian; Accidental Death Guardian.

7- Term benefit; Preferred term Benefit; Critical illness; Accidental death; Permanenet Disability; Life Guardian; Accidental Death Guardian.

Other Features Switching Option

4 free switches per year. Rs 500 additional charge per switch. 2 yrs NA

4 free switches per year. Rs 500 additional charge per switch. 2 yrs NA

Revival period Loyalty units

CONDITIONS

Term

Min - 10 years Max - 30 years

Min - 10 years Max - 30 years

Minimum Premium Min / Max age at entry Max maturity age

Rs 15,000 p.a. minimum premium Rs 15,000 p.a for LPP- 50,000/Min - 0 years Max - 65 years 75 years Min - 14 years Max - 65 years 75 years

Vesting Age Premium Payment Mode

Y/H/Q/M (ECS)

Y/H/Q/M (ECS)

Kotak Headstart Child Plans Future Protect Regular and Limited Pay unit linked plan, maximizes protection Assure Wealth Regular and Limited Pay unit linked, maximizes wealth

KPAP

Capital guarantee market linked plan with limited premium paying term.

Limited premium paying term with capital guarantee with maximum exposure to equity 8 - Kotak Aggressive Growth, Kotak Dynamic Growth, Kotak Dynamic Balanced, Kotak Dynamic Floor, Kotak Dynamic Bond, Kotak Dynamic Floatimg Rate, Kotak Dynamic Gilt, Kotak Dynamic Money Market 8 - Kotak Aggressive 2 - Advantage MultiplierFund Growth, Kotak Dynamic - Advantage Plus Fund 2 Growth, Kotak Dynamic Balanced, Kotak Dynamic Floor, Kotak Dynamic Bond, Kotak Dynamic Floatimg Rate, Kotak Dynamic Gilt, Kotak Dynamic Money Market

Maximum Equity Exposure 40% to 100% 100% of sum assured on death of life insured (on the second death, in case of joint life)

Maximum Equity Exposure - Maximum Equity exposure - 0% 30% to 100% to 100% Sum Assured (Life Cover) = Higher of (5 X Total Annual Premium) and (0.5 X Policy Term X Total Annual Premium). On death, higher of sum assured or fund value payable An amount equal to life cover plus the value of units in the Main & and Supplementary Accounts Life Cover amount - 5 times first year premium ( 5 yr term) & 10 times first year premium ( 10 yr term)

Fund Value paid (Withdrawal Fund Value paid Fund Value or sum of option, 5 years after maturity) (Withdrawal option, 5 years premiums paid whichever is after maturity) higher

25% of cumulative premiums paid upto that date

25% of cumulative premiums Min -Rs 25,000 /- .Max ( 25% of paid upto that date the total basic premiums paid to date)

Allowed from year 4 onwards, No withdrawal charges after year 7. Withdrawal subject to a minimum fund balance of Rs. 25,000

Allowed from year 4 onwards, No withdrawal charges after year 7. Withdrawal subject to a minimum fund balance of Rs. 25,000

In multiples of Rs 25,000/subject to a maximum of 2 withdrawals per year (Withdrawals from the Supplementary account) Charges applicable after yr 3. Yr 4 - 2% Yr 5 - 1% No charges applicable after Yr 5

Allowed only after completion Allowed only after of 3 years. No surrender completion of 3 years. No charge from year 7 onwards. surrender charge from year 7 onwards.

No surrender in the last 2 years of the term of the contract .Charges applicable after yr 3. Yr 4 - 2% Yr 5 - 1% No charges applicable after Yr 5

LPP Term: 3 - 10 years Min - Rs. 25,000 p.a. for payment term of 4 - 10 years Min - Rs. 50,000 p.a. for payment term of 3 years
4 - Critical Illness Benefit, Permanent Disability Benefit, Accidental Death Benefit, Accidental Disability Guardian Benefit

LPP Term: 3 - 10 years Min - Rs. 25,000 p.a. for payment term of 4 - 10 years Min - Rs. 50,000 p.a. for payment term of 3 years
3 - Critical Illness Benefit, Permanent Disability Benefit, Accidental Death Benefit NA

4 switches free per year

4 switches free per year

4 switches free per year.Every additonal switch wold be charged Rs 500 /-

2 yrs NA

2 yrs

2 years Yes. 1%, 1.5% and 2% of the Premium guarantee- sum of fund, allocated at the end premiums paid whichever is of poliy year 10, 15 and 20 higher respectively

Min - 10 years or 18 minus the Min - 10 years or 18 minus younger child's age, whichever the younger child's age, is greater whichever is greater Max - 25 years

Rs 15,000 p.a Min - 18 years Max - 60 years Max - 70 years (older policyholder) Min - 18 years (younger beneficiary)

Rs 15,000 p.a Min - 18 years Max - 60 years Max - 70 years (older policyholder) Min - 18 years (younger beneficiary)

Rs 1,00,000/12 to 65 75 years

Y/H/Q/M (DD)

Y/H/Q/M (DD)

Limited - 3 yrs

Kotak Retirement Income Plan

Kotak Easy Growth Plan

regular or single premium market linked pension plan with guaranteed maturity value; with and without cover options

Guaranteed Maturity Value for the regular premium mode

5- Pension Balanced; Pension Bond; Pension Floating Rate; Pension Gilt; and Pension Money Market

Maximum Equity Exposure - 30% to 60% In case life cover has been opted, sum assured or market value of units, whichever is higher. Othwerwise Fund Value. Can be taken as lump sum or pension.

In case of life cover option, Basic Sum Assured or market value of units, whichever is higher. Otherwise Guaranteed Maturity Value or market value of units in Main account, whichever is higher.

Min - Rs. 10,000

NA

No surrender allowed in the first 3 policy years. Thereafter surrender involves a charge till year 6

NA

6- Term benefit; Preferred term Benefit; Critical illness; Accidental death; Permanenet Disability; Accidental Death Guardian.

4 free switches per year. Rs 500 additional charge per switch. 2 yrs NA

Min - 10 years (single premium- 5 yrs) Max - 30 years

min premium- 10,000 annually Min - 18 years Max - 65 years 75 years

45 to 75 years
Y/H/Q/M (ECS)/Single

Name of Product Brief Product Description

Reliance Market Return Plan single as well as regular plan options with rider options.

Reliance Golden Years Plan market linked pension plan without life cover but with annuity options.Very low equity exposure (max 20%)

FEATURES
Investment Portfolio 2- capital secure fund; Balanced fund baqlanced fund= max equity fund- upto 100% equity 20% Higher of Sum assured or Fund Value as on that Fund Value. date. Fund Value. Settlement Cash plus Annuity period. option Min amt= 2,500/-. Allocation 5% allocation charge charge- 2% each. per top-up. Min top up= 2,500/Rs 100 per withdrawal will NA be deducted from your Unit Account. Free withdrawals- 2 per policy year Charge levied on unit fund depending on time of surrender: Less than 1 year - 100% 1 year premium paid - 50% 2 year premium paid - 20% 3 year premium paid - NIL 4th year- 10%; 5th year- 5%; and NIL therafter. 4 - capital secure fund, balanced fund, growth fund, equity fund

Max equity exposure Death Benefit Maturity Benefit Top Up Premiums

Partial Withdrawal

Complete Surrender

Riders Other Features Switching Option

1- Accidental Death & disability Rider 1% of the amount switched, with a maximum of Rs.1,000/-. Free switchesone per policy year

NA 1% of the amount switched, with a maximum of Rs.1,000/. Free switches- one per policy year

Revival period Loyalty units CONDITIONS Term Minimum Premium Min / Max age at entry Max maturity age Vesting Age Premium Payment Mode

3 yrs NA

3 yrs NA

5 to 40 years regular= 10,000/- annually. Single= 25,000/0 to 65 years 80 years Y/H/Q/M/Single

min term = 5 years min regular/single= 10,000/18 to 65 yrs 45 to 70 years Y/H/Q/M/Single

Name of Product Brief Product Description

SBI Life Unit Plus II single and regular premium market linked plan for whole life as well as limited term. Loyalty units in case of regular plan

SBI Life Horizon II regular premium market linked plan with automatic asset allocation.

FEATURES
Investment Portfolio Max equity exposure Death Benefit equity fund = 80% to 100% Sum Assured plus Fund Value, whichever is higher. In case of life assured less than 7 yrs of age, only Fund Value is payable. Fund Value. Settlement Fund Value. Settlement Period Period Regular= min 3,000/Single= min 10,000/min amt= 1,000/First 4 partial withdrawals are First 2 partial withdrawals absolutely free. Rs 100 per are absolutely free. 1% additional withdrawal charge per additional thereafter. Min amt- 10,000/- withdrawal thereafter. Min amt- 10,000/Year 4 to Year 10 - 1% of Fund Surrender charge= 1% of Value, Year 11 onwards - NIL fund value equity fund = 80% to 100% Sum Assured or Fund Value, whichever is higher. In case of life assured less than 7 yrs of age, only Fund Value is payable. 4- Equity fund, growth fund, balanced fund, bond fund 3- Equity fund, bond fund, money market fund

Maturity Benefit Top Up Premiums Partial Withdrawal

Complete Surrender

Riders

2- Accidental Death & Permanent Disability; Critical Illness

NA

Other Features Switching Option

First 4 switches are absolutely Automatic Asset Allocation free. Rs 100 per additional switch therafter. Min amt10,000/5 years 5 years

Revival period

Loyalty units Yes. In case of Regular Premium Plan s.t. min term of 20 years. At the end of 8th year- 15% of average annualized premium for last 8 years; At the end of 15 years- 25% of avg ann premium of last 15 yrs; At the end of 20th yr- 60% of avg ann prem of last 20 yrs. NA CONDITIONS Term whole life/limited term/regular. Min term= 5 years Single= 40,000/- regular= 24,000/- pa. SA goes upto 625% of single premium; and depends on age slab for regular prem plans (20 to 50 times) 0 to 65 years limited term= 80 years; wholelife = 99 years single/regular/LPP 10 to 40 years

Minimum Premium

Min / Max age at entry Max maturity age Vesting Age Premium Payment Mode

min prem= 12,000 annually 0 to 60 yrs 70 yrs Y/H/Q/M

Name of Product Brief Product Description

ING New Future Protect Pension Plan

ING High Life

market linked pension plan with systematic withdrawal benefit

regular investment plan with rider options.

FEATURES
Investment Portfolio
5- Debt Fund; Secured Fund; balanced Fund; Growth Fund; equity Fund 5- Debt Fund; Secured Fund; balanced Fund; Growth Fund; equity Fund Equity fund- min 90%

Max equity exposure Death Benefit

Equity fund- min 90%

Higher of Sum Assured or Fund Value

Higher of Sum Assured or Fund Value

Maturity Benefit
Fund Value at the age of 80 yrs. After survival upto age of 60 yrs, systematic withdrawal benefit equal to 5% of the fund value and additional half percent on each subsequent policy yr becomes payable. Fund Value. Settlement period.

Top Up Premiums Partial Withdrawal


0.25% of the withdrawn amount.

min amt- 5,000/1% of the amt withdrawn s.t. min Rs 100/4th year- 2.5% of fund value; 5th year onwards- 1% of the fund value.

Complete Surrender
4th year- 2.5% of fund value; 5th year onwards- 1% of the fund value.

Riders
NA 2- Accidental death; Disability & dismemberment Rider

Other Features Switching Option


Rs 100 per Switch beyond two free Switches allowed in a Policy Year. Rs 100 per Switch beyond two free Switches allowed in a Policy Year.

Revival period Loyalty units CONDITIONS Term

Systematic withdrawal units.

5 to 25 yrs

Minimum Premium Min / Max age at entry Max maturity age Vesting Age Premium Payment Mode

annual- 50,000/0 to 70 yrs 75 yrs Y/H/Q/M

ING High Life Plus

ING New One Life

ING New Freedom Plan

extension of High Life with higher protection benefits.

single premium investment regular investment plan with plan with multiple death benefit maturity as well as survival options. benefit.

5- Debt Fund; Secured Fund; 5- Debt Fund; Secured Fund; balanced Fund; Growth balanced Fund; Growth Fund; Fund; equity Fund equity Fund Equity fund- min 90% Equity fund- min 90%

5- Debt Fund; Secured Fund; balanced Fund; Growth Fund; equity Fund Equity fund- min 90%

Sum Assured plus Fund Value till date.

Option I: higher of Sum Assured or Fund Value; Option II: Sum Assured plus Fund Value

Higher of Sum Assured or Fund Value

Fund Value. Settlement period. min amt- 5,000/-

Fund Value. Settlement period. min amt- 5,000/-

Fund Value. Settlement period. Survival benefit at the end of 10th, 15th ,20th, 25th year each equal to 25% of Fund Value. min amt- 5,000/-

1% of the amt withdrawn s.t. 1% of the amt withdrawn s.t. min 0.25% of the amt withdrawn s.t. min Rs 100/Rs 100/min Rs 100/4th year- 2.5% of fund value; 4th year- 2.5% of fund value; 5th 5th year- 2.5% of fund value; 5th 5th year onwards- 1% of the year onwards- 1% of the fund year onwards- 1% of the fund fund value. value. value.

2- Accidental death; Disability & dismemberment NA Rider

2- Accidental death; Disability & dismemberment Rider

Rs 100 per Switch beyond Rs 100 per Switch beyond two Rs 100 per Switch beyond two two free Switches allowed in free Switches allowed in a Policy free Switches allowed in a Policy a Policy Year. Year. Year.

5 to 25 yrs

5 to 25 yrs

5 to 25 yrs

annual- 50,000/0 to 70 yrs 75 yrs Y/H/Q/M 0 to 70 yrs 75 yrs single premium only

15,000/- annually 8 to 65 yrs

Y/H/Q/M

Name of Product Brief Product Description

AVIVA Pension Plus Regular or single pension plan with a combination of with profits and market linked funds. Introduction of indexation and ARP (additional regular premium) to increase the sum assured.

AVIVA Treasure Plus regular ULIP endowment plan with only one investment option and minimum maturity value as (AP* policy term) by adjusting for partial withdrawals.

FEATURES

Indexation rate in line WPI and available upto 5 yrs before the term of the policy. On every policy anniversary, increase the ARP by a min of 1,000/-. 4- With Profits Fund; Pension Secured; Pension Balanced; Pension Growth. Pension Growth Fund- 20% to 60% Fund Value plus all reversionary bonuses declared,in case of Pension With Profits Fund.

Investment Portfolio

1- Secured Fund max equity- 20%

Max equity exposure Death Benefit

Higher of Sum Assured orFund Value. Additional rider sum assured, if applicable. Fund Value. Settlement period. Not mentioned.

Maturity Benefit cash plus annuity option Top Up Premiums Min top-up amt= Rs. 10,000/-

Partial Withdrawal

only 4 per policy year from the accumulation units. Min amt5,000/-. Applicable only for 15 yr & 20 yr plans. Withdrawal % are defined on acumulative basis as below: 5th policy yr before maturity- 15% for 15 yr plan & 20% for 20 yr plan. Increases by 15% each yr for 15 yr plan & by 20% each yr for 20 yr plan.Adj factor at maturity in case of partial withdrwal: last policy yr- 1.05; 2nd last policy yr-1.10; 3rd last policy yr- 1.15; 4th- 1.20; 5th yr from maturity- 1.25. NA Early Redemption charge equal to 1-(1/1.05)^n multiplied by the value of initial units, where n is 2/3 rd of the policy term(min/max5/10 yrs) less elapsed period. In case of accumulation units from top ups - a surrender penalty of 5%, 3%, and 1% in 1st, 2nd and 3rd year applicable. No surrender penalty levied thereafter. Initial Units: charge equal to 1(1/1.07)^n multiplied by the value of initial units, where n is policy term less elapsed period. In case of accumulation units, charge equals to 1-(1/(1+x))^N multiplied by value of accumulation units. the value of 'x' depending on the no. of completed yrs of service: 2 yrs- 5%; 3 yrs1.75%; 4 yrs-1.00%; 5 to 9 yrs0.75%; 10 to 19 yrs- 0.50%; 20 yrs0.25%.

Complete Surrender

Riders Accidental Death & Disability rider. Fixed charge of 1.25 per thsd rider sum assured.

NA Other Features

Switching Option

2 free switches per year. 0.5% of the amount switched thereafter. Minimum switch amount - Rs. 10,000/-

Revival period Loyalty units

2 yrs

NA 2 yrs

higher allocation rates for premium contbn more than 10,000. CONDITIONS Term

min guaranteed maturity value = annual premium multiplied by policy term.

min term- 5 yrs Minimum Premium Regular- 6,000 pa. Single1,00,000/18 to 65 yrs 70 yrs 40 to 70 yrs Y/H/Q/M/Single

10/15/20 yrs for 10 yr term- 24,000. other options12,000/18,000/36,000/48,000/60,00 0. Sum Assured= 10*AP 18 to 50 yrs 70 yrs Y/H/Q/M

Min / Max age at entry Max maturity age Vesting Age Premium Payment Mode

AVIVA Life Bond Plus single premium market linked plan

AVIVA LifeBond 5

AVIVA Freedom Life Plan

5 yr investment plan limited term market for longer term linked plan with benefit. loyalty additions and joint life option.

loyalty units = 5% of the units in the 10th policy yr and 3.5% on every subsequent 5th policy yr. 3- Pension Secured; Pension Balanced; Pension Growth. Growth- 30 to 85% Higher of Sum Assured or Fund Value. Additional rider sum assured, if applicable. Fund Value. Settlement period. Min top-up amt= Rs. 10,000/3- Pension Secured; 3- Pension Secured; Pension Balanced; Pension Balanced; Pension Growth. Pension Growth. Growth- 30 to 85% Growth- 30 to 85% Higher of Sum Assured or Fund Value. Additional rider sum assured, if applicable. Fund Value plus Guaranteed additions Min top-up amt= Rs. 6,250/-

Higher of Sum Assured or Fund Value. Fund Value. Settlement period. Min top-up amt= Rs. 6,250/-

min amt- 5,000/-

4 withdrawals 4 withdrawals allowed allowed per year.Min per year.Min withdrawal Rs 5000. withdrawal Rs 5000.

In case of accumulation units from top ups - a surrender penalty of 5%, 3%, and 1% in 1st, 2nd and 3rd year applicable.

Early Redemption charge deducted from policy value = 11/(1.05)^n where n= 5 yrs less elapsed pd. In case of accumulation units from top ups - a surrender penalty of 5%, 3%, and 1% in 1st, 2nd and 3rd year applicable.

Initial Units: charge equal to 1-(1/1.05)^n multiplied by the value of initial units, where n is policy term less elapsed period. In case of accumulation units, charge equals to 1-(1/(1+x))^N multiplied by value of accumulation units. the value of 'x' depending on the no. of completed yrs of service: 2 yrs- 5%; 3 yrs1.75%; 4 yrs-1.00%; 5 to 9 yrs- 0.75%; 10 to 19 yrs- 0.50%; 20 yrs0.25%.

Accidental Death & Disability rider.

NA

3- Accidental Death&Disability; Critical Illness; Hospital Cash Benefit.

2 free switches per year. 2 switch per year is 0.5% of the amount free. For additional switched thereafter. switches a charge of Minimum switch amount - 0.5% of the switch Rs. 10,000/amount, subject to a max of Rs 500 per switch. Min switch amt- 10,000 NA 2 yrs

2 switch per year is free. For additional switches a charge of 0.5% of the switch amount, subject to a max of Rs 500 per switch. Min switch amt10,000 2 yrs 5% of the units at the 10th policy yr and 3.5% of the units every subsequent 5th policy yr.

NA

NA

5 to 25 yrs min single premium50,000/-. SA 5 times single premium 18 to 65 yrs 70 yrs single only

premium paying term- 10 to 30 yrs. Premium 5 yrs only. Policy Paying Termterm- 10/15/20 3/5/10/15/20/25/30 min annual prem for 3/5 pay- 2,00,000/-. For 10 pay- 25,000/-. 18 to 60 yrs 70 yrs Y/H/Q/M

min annual prem25,000/18 to 50 yrs 60 yrs Y/H/Q/M

Name of Product Brief Product Description

Shriram life Shri Plus (SP) Shriram Life Shri Plus Regular single premium market linked plan with rider options, no top- 15 yr regular premium market ups. linked plan with rider options 3- Conservator, Guardian, Maximus Maximus- max 70% Sum Assured plus Fund Value till date. 3- Conservator, Guardian, Maximus Maximus- max 70% Sum Assured plus Fund Value till date.

FEATURES
Investment Portfolio Max equity exposure Death Benefit Maturity Benefit Top Up Premiums Fund Value. Settlement period. Fund Value. Settlement period. 2% allocation charge per top up. Rs 200 per top up charged as administrtion expense as well. Not mentioned Min amt- Rs 5,000/2 withdrawals free per policy year. Aditional charge of Rs. 100 per withdrawal thereafter. Min amt- Rs. 10,000/2 withdrawals free per policy year. Aditional charge of Rs. 100 per withdrawal thereafter. Min amt- Rs. 10,000/surrender charge at the end of 4th yr- 5% of the value of the units; end of 5th yr- 4% of the value of units; end of 6th yr- 3% of value of units; and NIL thereafter. Accident Benefit (including Disability) Rider; Family Income Benefit Rider.

Partial Withdrawal

Complete Surrender

No charges after the first three years. Riders Accident Benefit (including Disability) Rider; Family Income Benefit Rider.

Other Features Switching Option 2 free switches per policy year. Additional charge of Rs 100 per switch thereafter. Revival period Loyalty units CONDITIONS Term NA NA 2 free switches per policy year. Additional charge of Rs 100 per switch thereafter. 2 yrs NA

5 to 25 yrs

15 yrs

Minimum Premium Min SP= 20,000/-. Min SA= 125% of Single Premium 12 to 60 yrs 75 yrs single premium only

Min / Max age at entry Max maturity age Vesting Age Premium Payment Mode

Min annual prem= Rs. 10,000/-. Max SA can be 15 times of Annua lPremium 12 to 60 yrs 75 yrs Y/H/Q

Name of Product Brief Product Description

LIC Market Plus


regular or single premium market linked pension plan with life cover option.

Name of Product Important Feature

FEATURES

Death Benefit

Investment Portfolio

4- bond fund; secured fund; balanced fund; growth fund

Maturity Benefit

Max equity exposure

growth fund = 60% to 80%

Guaranteed Returns

Death Benefit

In case life cover has been opted, sum assured plus fund value as per policy contract. Othwerwise Fund Value. Can be taken as lump sum or pension.

Flexibility to choose / vary Investment and Death Benefit

Maturity Benefit Top Up Premiums Partial Withdrawal Complete Surrender

Cash plus annuity pension Min amt - 1,000 and in such multiples thereafter. NA No charges after first three years.

Increase / Decrease in Sum Assured Increase / Decrease in Regular Premium Lump sum injection Partial Withdrawal Complete Surrender

Riders

Accident benefit. Min 25,000 SA and Max= 50 lac(including all LIC policies taken together)

LPP option

Other Features

Riders

Switching Option

4 free switches per year. Rs 100 additional charge per switch.

Others

Revival period Loyalty units CONDITIONS

2 yrs NA

Loan

CONDITIONS Term

Term Minimum Premium

min term= 5 years min annual prem= Rs. 5,000/-. Min SA (single)= 25,000/-. Min SA(regular)= 50,000/-. SA is 20times annualized prem

Minimum Premium Min / Max age at entry

Min / Max age at entry

18 to 70 yrs

Max maturity age

Max maturity age

75 yrs

Min Sum assured

Vesting Age Premium Payment Mode

40 to 75 yrs Y/H/Q/single

LIC New Jan Raksha Plan


endowment assurance plan with simple reversionary bonuses declared per thsd of Sum Assured

LIC Jeevan Anand Plan


whole life endowment assurance plan with simple reversionary bonuses declared per thsd of Sum Assured

LIC Jeevan Tarang


whole life endowment assurance plan with loyalty units @ 5.5% of sum assured for survival beyond the accumulation period.

Sum Assured plus bonuses declared Sum Assured plus bonuses declared till till date payable in a lump sum. date payable in a lump sum.

I: Death between Acumulation Period- sum assured plus reversionary bonuses declared till date in a lump sum. II: deathl after Accumulation but before maturty- sum assured plus 5.5% of the sum assured every year till date of death payable as lump sum.

Sum Assured plus all bonuses declared payable as a lump sum.

Sum Assured plus all bonuses declared payable as a lump sum.

I: Survival upto Acumulation Period- sum assured plus reversionary bonuses declared till date in a lump sum. II: Survival after Accumulation till maturty- sum assured plus 5.5% of the sum assured every year payable as lump sum.

Sum Assured plus accrued reversionary bonus plus terminal bonus, if any(terminal bonus if policy is inforce for over 10 yrs)

Sum Assured plus accrued reversionary bonus plus terminal bonus, if any(terminal bonus if policy is inforce for over 10 yrs)

I: Sum Assured plus accrued reversionary bonus till reaching the accumulation period. II: Sum Assured plus loyalty additions for surviving beyond accumulation period.

For Single Premium- 90% of the single premium recd. For Regular Plan after accumulation period- 85% of the basic sum assured.

NA

Accident Benefit (includes both accidental death & total permanent disability). Max rider benefit- Rs 5 lacs

Accident Benefit (includes both accidental death & total permanent disability). Max rider benefit- Rs 5 lacs

3- Accident benefit; Term Assurance; and Critical Illness Rider

Available @ 9% p.a. payable half yearly.

Single premium or Accumulation Term: 10/15/20 yrs

0 to 60 years, nearest birthday. Ceasing age for premium payment- 70 yrs.

100 years.

Rs 1,00,000/- and in multiples of Rs. 5,000/-

LIC New Bima Gold


premium return plan with extended life cover. Extended term will be half of policy term after the expiry of the latter.

I: During policy term: equal to the basic sum assured under the plan; II: During extended term: 50% of the basic sum assured under the plan

On exiry of the term, total premiums paid (basic) till date less any survival benefits as per plan below is payed in alump sum I: For policy term of 12 yrs- 15% of basic sum assured at the end of each 4th & 8th policy yr; II: For policy term of 16 yrs- 15% of basic sum assured at the end of each 4th, 8th & 12th policy yr; III: For policy term of 20 yrs- 10% of basic sum assured at the end of each 4th, 8th, 12th & 16th policy yr.

Accidental Death & Diasbility Benefit. Available @ Re 1 per thsd of rider sum assured. Min SARs 50,000/Auto cover facility upto 100% of basic sum assured for two yrs from the date of first unpaid premium, s.t. premiums of first two policy yrs being paid in full.

Available @ 9% p.a. payable half yearly.

12/16/20 yrs

min entry age- 14 yrs; max entry age- 57/51/45 for pay term of 12, 16, and 20 yrs respectively

75 years

Min SA- 50,000 and in multiples of Rs 5,000/- thereof.

Name of Product Brief Product Description

Met Smart Plus regular premium market linked whole life plan

Met Advantage Plus market linked pension plan with life cover and annuity options 6- preserver; protector; moderator; balancer; accelerator; multiplier multiplier= 80% to 100%

FEATURES
Investment Portfolio 6- preserver; protector; moderator; balancer; accelerator; multiplier multiplier= 80% to 100% Sum Assured or Fund Value, whichever is higher. In case of life assured less than 7 yrs of age, only Fund Value is payable. Fund Value. Settlement Period. min amt= 5,000/2 free per year. Rs 250 per additional withdrawal. 4th to 10th year, surrender charges start from 70% and fall by 10% each policy year till the 10th year. NIL thereafter. Accidental death rider; critical illness rider 4 free switches per policy year. Rs 250 per additional switch. 2 yrs NA

Max equity exposure Death Benefit

110% of the fund value on death during deferment period. Cash plus annuity option. min amt= 5,000/-

Maturity Benefit Top Up Premiums Partial Withdrawal

NA Year 4= 4% of first year regular/single premium; Year 5= 2% of first year regular/single premium; Year 6 onwards- NIL

Complete Surrender

Riders Other Features Switching Option

NA 4 free switches per policy year. Rs 250 per additional switch. 2 yrs NA

Revival period Loyalty units CONDITIONS Term Minimum Premium

Min / Max age at entry Max maturity age Vesting Age Premium Payment Mode

no min max Min annual prem= 12,000/-. SA follows an age band. 0 to 70 yrs 100 yrs Y/H/Q/M

min term = 10 yrs single= 1,00,000/-; regular= 10,000/- pa 20 to 55 yrs 75 yrs 45 to 65 yrs Y/H/Q/M/Single

Name of Product Brief Product Description

Bharti AXA Wealth Confident

Bharti AXA Future Confident regular market linked plan with higher sum assured plus riders as well as loyalty additions.

FEATURES
Investment Portfolio

10 year market linked plan with loyalty additions Sum Assured is only 5 times AP 4- grow money; steady money; protect money; save 'n grow money.

Max equity exposure Death Benefit

4- grow money; steady money; protect money; save 'n grow money. grow money= 80% to grow money= 80% to 100% 100% Higher of Sum Assured or fund Value. In case of life assured less than 5yrs of age, only Fund Value is payable. Higher of Sum Assured or fund Value. In case of life assured less than 5yrs of age, only Fund Value is payable. Fund Value.Settlement Period.

Maturity Benefit Fund Value.Settlement Period. Top Up Premiums 1.5% allocation charge per top up. Min amt= 5,000/2 free withdrawals per policy year. Min amt= 10,000/-. Charge of Rs. 100 thereafter. Surrender values at different policy years: 1st year- NIL; 2nd year- 40%; 3rd year- 70%; 4th year- 90%; 5th year- 95%; 6th year+ - 100% Riders NA Other Features min amt- 500/2 free withdrawals per policy year. Min amt= 5,000/-. Charge of Rs. 100 thereafter. Surrender values at different policy years: 1st year- NIL%; 2nd year- 20%; 3rd year55%; 4th year- 90%; 5th year- 95%; 6th year+ - 100% accidental Death & disability rider; critical illness rider

Partial Withdrawal

Complete Surrender

Switching Option 4 free switches per policy year. Min switch amt2,500/-. Additional charge of Rs. 100 per switch thereafter. 2 years 4 free switches per policy year. Min switch amt- 2,500/-. Additional charge of Rs. 100 per switch thereafter. 2 years 7th year- 1% of average policy value of last 36 mths; 10th year- 1.5% of 6th to 10th year- 0.50% of average policy value of average policy value of last last 36 mths; 36 months; 15th year & every 5 yrs 9th & 10th year- 1% of thereafter- 2.5% of average policy value of last average policy value in 36 months. last 36 mths

Revival period Loyalty units

CONDITIONS Term Minimum Premium

5 years payment term. Max policy term- 10 years no min-max. min prem= 10,000/annually. Sum Assured can be a multiple from 10 to 35 times of AP. 0 to 60 years 70 years Y/H/Q/M

Min / Max age at entry Max maturity age Vesting Age Premium Payment Mode

min annual prem= 24,000/Sum Assured is only 5 times AP 18 to 60 years 70 years Y/H/Q/M

Name of Product Brief Product Description

Tata Invest Assure II

TATA AIG Invest Assure Plus

regular investment Single premium version of market linked options Invest assure II without any with elaborated charge rider options structure and rider options.

FEATURES
Investment Portfolio 5- Equity fund; Income fund; Aggressive growth; stable growth, short term fixed income fund 1. equity fund = not mentioned. 2. Aggressive growth fund = 50 to 80%. Higher of Sum assured or Fund Value. Fund Value. Settlement Period. Top-Up premium will be a minimum of Rs.10,000/- and will be allowed a maximum two times a year. Partial withdrawal can be repeated but subject to a maximum of 4 per policy year, however no regular partial withdrawals will be allowed. There is no partial withdrawal or surrender charge for the first 3 years. 5- Equity fund; Income fund; Aggressive growth; stable growth, short term fixed income fund 1. equity fund = not mentioned. 2. Aggressive growth fund = 50 to 80%. Higher of Sum assured or Fund Value. Fund Value. Settlement Period. Top-Up premium will be a minimum of Rs.5,000/- and will be allowed a maximum two times a year. 4 times allowed per policy year. Min withdrawal amount- 10,000/- No charges after the first three yrs.

Max equity exposure

Death Benefit Maturity Benefit Top Up Premiums

Partial Withdrawal

Complete Surrender

15 year plan- NIL after 5 NIL after the first three years; 20 & 30 year plan- years NIL after 6 years. Charges start from 30% or 24% and keep falling on a quarterly basis.

Riders accidental death; accidental death & dismemberment; critical illness; waiver premium; payor benefit( minors) NA Other Features Switching Option First 4 switches are free. Subsequently there is a charge of Rs 250 per switch and will be deducted from the funds. The charge shall not exceed a maximum of Rs 500. 5 years NA First 4 switches are free. Subsequently there is a charge of Rs 100 per switch and will be deducted from the funds. The charge shall not exceed a maximum of Rs 500.

Revival period Loyalty units CONDITIONS Term Minimum Premium

5 years NA

Min / Max age at entry

Max maturity age Vesting Age Premium Payment Mode

15/20/30 15/20/25/30 Min- 10,000. SA can be a multiple of 1.25 or 5 min= 50,000. SA can be a times the annula multiple between 1.25 to 25 premium. times min age- 0 yrs; min age- 0 yrs; max max 15/20/30 pay plans - 15/20/30 pay plans 60/55/45 yrs 60/55/50/45 yrs 75 years 75 years Y/H/Q/M single premium only

Name of Product

Bajaj New Unit Gain

Bajaj New Unit Gain Plus

Brief Product Description

regular unit linked plan with equity index % mid cap fund potions with many rider & sum assured options.

extension of unit again with reduced charge structure.

FEATURES

Investment Portfolio

Equity index fund is marked to NSE Nifty. Riders can be included or excluded at any time. liquid fund; bond fund; equity growth fund; equity index fund; accelerated mid cap fund.

Increased allocation rate and reduced administration charges, with increase in min premium & reduced Sum Assured limits. liquid fund; bond fund; equity growth fund; equity index fund; accelerated mid cap fund.

Max equity exposure growth & mid cap fund- growth & mid cap fund- 80 to 80 to 100%; index 100%; index fund- 85 to fund- 85 to 100% 100% Death Benefit Sum Assured or Fund Value, whichever is higher. In case of life assured less than 7 yrs of age, only Fund Value is payable. Fund Value. Settlement Period

Maturity Benefit Top Up Premiums

Sum Assured or Fund Value, whichever is higher. In case of life assured less than 7 yrs of age, only Fund Value is payable. Fund Value. Settlement Period

Partial Withdrawal

min 5,000/-. Allocation min 5,000/-. Allocation charge @ 5% charge @ 2% Possible after 3 policy Possible after 3 policy years. years. Min withdrawal -Min withdrawal - Rs. 1000. Rs. 1000.

Complete Surrender

NIL charges after three yrs. Riders Accidental Death; Total/Partial Disability; Critical Illness; Hospital Cash; Mahila Gain 3 free switches would be allowed every year. Subsequent switches would be charged @ 5% of switch amount or Rs. 100, whichever is lower. Min amount5,000/-

NIL charges after three yrs.

Accidental Death; Total/Partial Disability; Critical Illness; Hospital Cash; Mahila Gain 3 free switches would be allowed every year. Subsequent switches would be charged @ 5% of switch amount or Rs. 100, whichever is lower. Min amount- 5,000/-

Other Features Switching Option

Revival period Loyalty units

2 yrs

2 yrs

NA CONDITIONS Term Minimum Premium

NA

min term -10 years min premium- 10,000/pa. max Sum Assured varies on the age band and ranges between 20 to 125 times of Annual Premium. 0 to 60 years 70 years. Maturity age for riders- 65 yrs.

min term -10 years

Min / Max age at entry Max maturity age Vesting Age Premium Payment Mode

min premium- 15,000/- pa. max Sum Assured varies on the age band and ranges between 15 to 120 times of Annual Premium. 0 to 60 years 70 years. Maturity age for riders- 65 yrs.

Y/H/Q/M (ECS)

Y/H/Q/M (ECS)

Bajaj New Unit Gain Super

Bajaj New Unit Gain Premier SP

Bajaj Allianz Unit Gain Bajaj Allianz New Easy Pension Plus Family Gain market linked pension plan without life cover with extended vesting age market linked endowment plan with high equity exposure options.

single premium market regular market linked plan with higher allocation rates linked plan with 105% and higher mortality charges. allocation on premium contribution

Equity index fund is 105% allocation to funds. marked to NSE Nifty. liquid fund; bond fund; equity growth fund; equity index fund; bond fund; equity growth fund; bond fund; equity growth accelerated mid cap equity index fund; fund; equity index fund; fund.

Equity index fund is marked to NSE Nifty.

bond fund; equity growth fund; equity index fund;

growth - 80 to 100%; index fund- 85 to 100%

growth - 80 to 100%; index fund- 85 to 100%

growth & mid cap fund80 to 100%; index fund- growth - 80 to 100%; 85 to 100% index fund- 85 to 100%

Sum Assured or Fund Value, whichever is higher. In case of life assured less than 7 yrs of age, only Fund Value is payable. Fund Value. Settlement Fund Value. Settlement Period Period Sum Assured or Fund Value, whichever is higher. In case of life assured less than 7 yrs of age, only Fund Value is payable. min 5,000/-. Allocation charge @ 2% NA Possible after 3 policy years. Possible after 3 policy Min withdrawal - Rs. 1000. years. Min withdrawal Rs. 5000.

Fund Value Fund Value with open annuity options. min 5,000/-. Allocation charge @ 2% Possible after 3 policy years.

Sum Assured plus Fund Value. In case of life assured less than 7 yrs of age, only Fund Value is payable. Fund Value. Settlement Period min 5,000/-. Allocation charge @ 2% Possible after 3 policy years. Min withdrawal Rs. 1000.

6% in the 4th year; 4% in 5th year; 2% in 6th year and NIL therafter. 10% in the 4th year and 5% in the 5 th year, and NIL therafter. NIL charges after three NIL charges after three yrs. yrs.

Accidental Death; Total/Partial Disability; Critical Illness; Hospital Cash; NA 3 free switches would be allowed every year. Subsequent switches would be charged @ 5% of switch amount or Rs. 100, whichever is lower. Min amount- 5,000/3 free switches would be allowed every year. Subsequent switches would be charged @ 5% of switch amount or Rs. 100, whichever is lower. Min amount- 5,000/-

NA 3 free switches would be allowed every year. Subsequent switches would be charged @ 5% of switch amount or Rs. 100, whichever is lower. Min amount5,000/-

Accidental Death; Total/Partial Disability; Critical Illness; Hospital Cash; 3 free switches would be allowed every year. Subsequent switches would be charged @ 5% of switch amount or Rs. 100, whichever is lower. Min amount5,000/-

2 yrs

NA

2 yrs 105% allocation of the premium contribution to the funds chosen

2 yrs

2 yrs

NA

NA

min term -10 years

min term -10 years

5 to 40 years

min term -10 years min premium- 5,000/max Sum Assured varies on the age band and ranges between 10 to 35 times of Annual Premium. 0 to 60 years 70 years.

min prem- 25,000/- pa. max SA can be 8 to 20 times of annual premium. 0 to 60 years 70 years.

min premium- 50,000/-. Max SA can be a multiple from 2 to 10 times of SP 0 to 60 years 70 years.

10,000/18 to 65 years

40 to 75 years Y/H/Q/M (ECS) single premium only regular regular

Bajaj Allianz Unit Gain Plus SP single premium version of New Unit Gain Plus without any rider options

Bajaj Capital Unit Gain Plan regular premium market linked plan. Concept of capital units introduced to show a lower premium allocation charge structure. First yr premiums go to capital units. Renewal premiums go to Accumulation Units.

Equity index fund is marked to NSE Nifty. liquid fund; bond fund; equity growth fund; equity index fund; accelerated mid cap fund. growth & mid cap fund- 80 to 100%; index fund- 85 to 100% Sum Assured or Fund Value, whichever is higher. In case of life assured less than 7 yrs of age, only Fund Value is payable. Fund Value. Settlement Period min 5,000/-. Allocation charge @ 2% Possible after 3 policy years. Min withdrawal - Rs. 1000.

Equity index fund is marked to NSE Nifty. liquid fund; bond fund; equity growth fund; equity index fund; accelerated mid cap fund. growth & mid cap fund80 to 100%; index fund- 85 to 100%

Sum Assured or Fund Value, whichever is higher. In case of life assured less than 7 yrs of age, only Fund Value is payable. Fund Value. Settlement Period min 5,000/-. Allocation charge @ 2% Possible after 3 policy years. Min withdrawal - Rs. 5000.

NIL charges after three yrs.

after three years, surrender charge will be (1- (1/1.05)^N) * value of capital units s.t. 'N' not higher than 20 yrs.

NA 3 free switches would be allowed every year. Subsequent switches would be charged @ 5% of switch amount or Rs. 100, whichever is lower. Min amount- 5,000/-

Accidental Death; Total/Partial Disability; Critical Illness; Hospital Cash; 3 free switches would be allowed every year. Subsequent switches would be charged @ 5% of switch amount or Rs. 100, whichever is lower. Min amount5,000/-

2 yrs

2 yrs

NA

NA

min term -5 years

min term -10 years

min premium25,000/-. Max SA can be a multiple from 2 to 10 times of SP 0 to 65 years 70 years.

min premium- 10,000/. Max SA can be a multiple of 20 to 100 times of annual premium 0 to 60 years 70 years.

single premium only Y/M (ECS)

Name of Product

Birla Flexi LifeLine Plan whole life market linked plan with guaranteed returns of 3% pa on premiums + top-ups net of all policy charges and survival benefits.

Birla Flexi Cash Flow Plan

Birla Classic Life Premier regular or whole life market linked plan with equity exposure upto 90% and loyalty units.

Brief Product Description

market linked plan with guaranteed returns and regular payouts every 5th policy year

FEATURES

Regular payout every 5 years = minimum of the 'Guaranteed Fund' or 'Percentage of the Sum Assured' : 30% -10 years 25% - 15 years 20% - 20 years 15% - 25 years Investment Portfolio Assure, Protector, builder, Enhancer, creator, Magnifier Magnifier- 50 to 90%

Protector, builder, and Protector, builder, and Enhancer Enhancer Max equity exposure Death Benefit Enhancer- 20 to 35% Enhancer- 20 to 35%

Higher of Fund Value or Guaranteed Fund Value or Sum Assured. In case life assured is less than a year, higher of Fund Value or Guaranteed Fund.

Higher of Fund Value or Guaranteed Fund Value or Sum Higher of Fund Value or Assured. In case life Guaranteed Fund Value or Sum assured is less than 5 Assured. In case life assured is years, higher of less than a year, higher of Fund Fund Value or Value or Guaranteed Fund. Guaranteed Fund.

Maturity Benefit Higher of Fund Value or Higher of Fund Value or Guaranteed Fund Value Guaranteed Fund Value Top Up Premiums min 5,000/-. Max: 50,000 or annual premium, whichever is higher. Partial Withdrawal 2 free per year. Subsequent charge of Rs 100 will be levied subject to a maximum of Rs 500. min 10,000/-. Max annual premium or 5,00,000/whichever is lower. Only 4 partial withdrawals allowed per year. 2 withdrawals are free every year and additional withdrawals charged 0.5% of the amount withdrawn which cannot exceed Rs. 500 Fund Value

min 5,000/-. Max: 50,000 or annual premium, whichever is higher. 2 free per year. Subsequent charge of Rs 100 will be levied subject to a maximum of Rs 500.

Complete Surrender

Surrender charges as a %age of Annual Premium:Year 1 - 100% Year 2 - 100% 25th Month- 24% which reduces by 1% every month and reduces to zero after he 49th month.

Surrender charges as a %age of Annual Premium:Year 1 - 100% Year 2 - 100% 25th Month- 24% which reduces by 1% every month and reduces to zero after he 49th month.

Surrender charges levied as a %age of Annual Life Insurance Coverage Premium payable. Year 1 - 30%, Year 2 20%, Year 3 - 15%, year 4 - 10%, Year 5 8%, year 6 - 6%, year 7 onwards - NIL

Riders

Term rider, Accidental death & dismemberment, Criticall illnes, Critical Illness Plus, Critical illness Woman, waiver of Premium.

Term rider, Accidental death & dismemberment, Criticall illnes, Critical Illness Plus, Critical illness Woman, waiver of Premium.

Term rider, Accidental death & dismemberment, Criticall illnes, Critical Illness Plus, Critical illness Woman, waiver of Premium.

Other Features

Switching Option 2 switches free. Every additional charged Rs 100 per switch Revival period Loyalty units 2 years

2 switches free. Every additional charged Rs 100 per switch 2 years

2 switches free. Every additional charged Rs 100 per switch 2years

1. guaranteed returns of 3% pa on premiums plus top-ups net of all charges. 2. Regular payout every 5 years = minimum of the 'Guaranteed Fund' or 'Percentage of the Sum Assured' : guaranteed returns of 30% -10 years 3% pa on premiums plus 25% - 15 years top-ups net of all 20% - 20 years charges. 15% - 25 years CONDITIONS Term

Guaranteed Additions to the Fund Value on the 10th policy anniversary and on every 5th policy anniversary thereafter upto 2% of average Fund Value in the last 60 months.

LPP/ Regular upto 100 yrs of age Minimum Premium

10/15/20/25

10 to 70 years depending upon the term min 25,000 pa. SA has to be a min multiple of 5 times the annual premium st min SA of 2,00,000/0 to 60 years depending upon the term of the plan

Min SA- 5,00,000 for 10 pay; otherwise 3,00,000 for minors; 2,00,000 for majors. min 1,00,000/Min / Max age at entry Max maturity age 70 years for minors for all pay options; 70 years for all ages for 10 pay option; 100 years for majors for 15,20,25 or regular pay. 75 years Vesting Age Premium Payment Mode 0 to 65 years; 59 years for 10 pay.

13 to 65 years

whole life- 100 yrs; term plan- 70 years

LPP/ Regular

LPP/Regular

10/20/30/whole life

Birla Single Premium Bond single premium with guarantee of premium contribution

Birla Prime Life

Birla Prime Life Premier single premium plan with loyalty units and rider options.

Birla Flexi Save Plus

Birla Life Companion Endowment single fund option with guaranteed addition on maturity.

single premium whole life market linked plan with loyalty units and facility of topups.

market linked plan with guaranteed returns 0f 3% and very high flexibility of payment terms.

sum assured will be 125% of single sum assured will premium. NO be 150% of single MEDICAL TESTS premium.

1. guaranteed returns of 3% pa on premiums + top-ups net of all policy charges and survival benefits. 2. Top ups to the extent of Sum At Risk = SA less Fund Value. 3. Mortality charges at Min SA= 2,50,000/- per thsd of Sum At . Risk.

guaranteed addition of 5% of Fund Value on maturity st regularity of premiums.

10 year- Protector, builder, Enhancer; 5 year- Protector

Assure, Protector, Assure, Protector, builder, Enhancer, builder, Enhancer, Protector, builder, and creator, Magnifier creator, Magnifier Enhancer Balancer Magnifier- 50 to 90% Enhancer- 20 to 35% 10 to 25% Sum Assured + fund Value till date. Higher of Fund Value Higher of Fund or Guaranteed Fund Value or Sum Value or Sum Assured. Assured. In case In case life assured is life assured is less less than a year, than 5 years, only higher of Fund Value Fund Value. or Guaranteed Fund.

Magnifier- 50 to Enhancer- 20 to 35% 90%

higher of fund higher of fund value value or Sum or Sum Assured Assured

higher of fund value or premium contribution Fund Value min 10,000/-. Max annual premium or 5,00,000/whichever is lower. Only 4 partial withdrawals allowed per year. 2 withdrawals are free every year and additional withdrawals charged 0.5% of the amount withdrawn which cannot exceed Rs. 500

Fund Value min 10,000/-. Max annual premium or 5,00,000/whichever is lower. Only 4 partial withdrawals allowed per year. 2 withdrawals are free every year and additional withdrawals charged 0.5% of the amount withdrawn which cannot exceed Rs. 500 Nil after the 4th policy year. 1% in the 4th year.

Higher of Fund Value or Guaranteed Fund Value

Higher of Sum Assured or Fund Value. NA

NA

min 5,000/-. Max: 50,000 or annual premium, whichever is higher. 2 free per year. NA Subsequent charge of Rs 100 will be levied subject to a maximum of Rs 500.

NA

NIL after the first three years NA

Nil after the 4th policy year. 1% in the 4th year. NA Term Rider, Accidental death & dismemberment, Criticall illnes, Critical illness Woman,

Surrender charges as a %age of Annual Premium:Year 1 - 100% Year 2 - 100% 25th Month- 24% which reduces by 1% every month and reduces to zero after he 49th month.

NIL after first three years. Surrender charges as a %age of Annual Premium:Year 1 - 100% Year 2 - 25% Year 3 - 10% Year 4 onwards Nil

Term rider, Accidental Accidental death & Death, Waiver of dismemberment, Premium Criticall illnes, Critical Illness Plus, Critical illness Woman, waiver of Premium.

2 switches free. Every additional charged Rs 100 per switch NA

2 switches free. Every additional charged Rs 100 per switch NA

2 switches free. 2 switches free. Every Every additional additional charged Rs charged Rs 100 per 100 per switch switch NA NA 2 years 2 years

NA

Guaranteed Additions to the Fund Value on the 10th policy anniversary and on every 5th policy anniversary thereafter upto 2% of average Fund Value in the last 60 months.

Guaranteed Additions to the Fund Value on the 10th policy anniversary and on every 5th policy anniversary thereafter upto 2% of average Fund Value in the last 60 months.

guaranteed addtition of 5% 1. guaranteed returns of fund value on of 3% pa on premiums maturity st plus top-ups net of all regularity of charges. premiums

Min term- 40 5 or 10 years years min term- 5 years

15/20/25/30 or to age 60. min min term 6 to 10 years duration for to for minors to majors. age 60- 20 years

20,000/-. SA will be 125% of single premium st min of 25,000/-

20,000/-. SA will be 150% of single premium st min 30,000/-

min- 50,000. SA = 5 times annual premium st min 2,50,000/-

min 1,00,000/-

min SA- 75,000/-

8 to 70 years

0 to 60 yrs.

0 to 65 yrs.

0 to 60 yrs

0 to 60 years

80 years

100 years

70 years single premium only

70 years

75 years

single premium single premium only only

single/LPP/regular

LPP/Regular

Birla Life Comapanion Money Back market linked money back plan with a single investment option with guaranteed additions and premium waiver option.

payouts of 100% by maturity in 16 yr & 30 yr plan & 110% and 130% in 20 yr & 24 yr plans respectively.

Balancer 10 to 25% Sum Assured + fund Value on the date of death

higher of maturity benefit or fund value NA

NA

NIL after first three years. Surrender charges as a %age of Annual Premium:Year 1 - 100% Year 2 - 25% Year 3 - 10% Year 4 onwards Nil

Accidental Death, Waiver of Premium

NA 2 years

guaranteed addtition of 5% of fund value on maturity st regularity of premiums

16/20/24/30

min SA- 75,000

0 to 60 years

75 years

regular/LPP

Name of Product Brief Product Description

ICICI Life Time Super

ICICI life Link Super

ICICI Premier Life Gold Limited premium payment benefit with freedom to stay invested for longer durations

Regular premium Single premium unit investment plan with loyalty linked investment cum additions insurance solution.

FEATURES
Investment Portfolio Maximiser, Balancer, Protecter, Preserver Maximiser, Balancer, Protecter, Preserver Maximiser, Balancer, Protecter, Preserver

Max equity exposure Death Benefit

Maximiser- 75% to 100%

Maximiser- 75% to 100%

Maximiser- 75% to 100%

Sum Assured or Fund Value. In case of life assured below 7 yrs- only the Fund Value will be payable.

Sum Assured or Fund Value. In case of life assured below 7 yrs- only the Fund Value will be payable.

Sum Assured or Fund Value. In case of life assured below 7 yrs- only the Fund Value will be payable.

Maturity Benefit

Fund Value. Settlement period upto 5 years.

Fund Value. Settlement period upto 5 years.

Fund Value. Top Up Premiums

Partial Withdrawal

min amount 2,000/-

4th & 5th yr- only once per policy year upto 20% of Fund Value. No restriction thereon.

4th to 10th yr- only once per policy year upto 20% of Fund Value , st. bal avail upto 110% of Annualised premium. No restrictions thereon.

Complete Surrender

Surender value after 3 yrs98%; 4th year- 99%' 5th year onwards- 100%

Surender value after 3 yrs- 96%; 4th year- 98%' 5th year onwards- 100%

Surender value after 3 yrs96%; 4th year- 98%' 5th year onwards- 100%

LPP option Riders

NA ADB (accident 7 disability), CIB, and Waiver of premium due to total & permanenet disability

NA

NA Other Features Switching Option Revival period Loyalty units 4 free switches per policy year. Min amount- 4,000/-

ADBR, CIBR

4 free switches per 4 free switches per policy policy year. Min amount- year. Min amount- 2,000/2,000/2 years

2 years NA additional allocation of units every 4th year @ 4% of annual premium NA

NA

CONDITIONS

Term

10-75 years

Minimum Premium

18,000/- pa. min SA1,00,000/-

min- 5 years SA 125% or 500% of single premium. Min premium upto age 44 yrs- 25,000/; 45 yrs & above50,000/0-65 years 70 years

LPP - 3 years: Policy term Min - 6, Max - 30; LPP 5 years: Policy term Min - 10, Max - 30 3 years - Rs. 1,00,000 5 years - Rs. 60,000

Min / Max age at entry Max maturity age

0-65 years 75 years

Min - 0 Max - 69 (3) and 65 (5) 75 years

Vesting Age Premium Y/H/M Payment Mode

single premium only

LPP

ICICI Life Time Plus Regular Premium Unit Linked policy with loyalty units and double death benefit

ICICI Prudential Investshield New capital guarantee market linked plan.

ICICI Investshield CashBak capital guarantee market linked with facility of partial withdrawal.

Maximiser, Balancer, Protecter, Preserver

InvestShield - New Investshield CashBak- new fund: balance of growth fund. and steady returns Maximum Equity Exposure - 0% to 40% Sum Assured plus Fund Value or Guaranteed Value, whichever is higher. In case of life assured below 7 yrsonly the Fund Value or Guaranteed Value,will be payable. Fund Value or Guaranteed Value, whichever is higher. No exposure in equity. 100% in debt, and cash & money market. Sum Assured plus Fund Value or Guaranteed Value, whichever is higher. In case of life assured below 7 yrs- only the Fund Value or Guaranteed Value,will be payable. Fund Value or Guaranteed Value, whichever is higher.

Maximiser- 75% to 100%

Sum Assured plus Fund Value. In case of life assured below 7 yrsonly the Fund Value will be payable.

Fund Value. Settlement period upto 5 years.

4th to 10th yr- only once per policy year upto 20% of Fund Value , st. bal avail upto 110% of Annualised premium. No restrictions thereon.

No partial withdrawal allowed

starting from 6th year, one per policy year upto 10% of the fund value till the end of the term. Min amt- 2,000/-, st availability of 150% of fund balance.

Surrender values applicable after 3 policy years - 92%, 4 policy years - 94%, 5 policy years - 96%, 6 policy years - 98%, 7 policy years and above - 100%

Surrender values applicable after three years3 years - 50% 4 years - 60% 5 years - 70% 6 years - 80% 7 years - 85% 8 years - 90% 9 years - 95% 10 years and above 100%

Surrender values applicable after three years3 years - 50% 4 years - 60% 5 years - 70% 6 years - 80% 7 years - 85% 8 years - 90% 9 years - 95% 10 years and above 100%

Accident and Disability, Critical Illness, Waiver of Premium

NA

NA

4 free switches per policy year. Min amount- 2,000/-

NA

NA

2 years starting from the end of 8th year, additional allocation of units every 4th year @ 5% of annual premium

2 years 2 years Premium Guarantee = Premium Guarantee = Sum Sum of all premiums of all premiums paid till paid till date date guaranteed on death guaranteed on death and maturity and maturity

Min: 10 Max: 30

Min: 10 Max: 30

Min: 10 Max: 30

Min- Rs. 20,000 per annum; Max Rs 3,00,000/- per annum

Rs 8000 p.a.

Rs 8000 p.a.

Min - 0 Max - 65 75 years

Min - 0 Max - 65 75 years

Min - 0 Max - 65 75 years

Y/H/M

Y/H/M

Y/H/M

ICICI lifelink Super Pension single premium unit linked pension plan

ICICI Lifetime Super ICICI Smart Kid regular Pension regular premium unit linked regular premium market pension plan with life cover linkl ed child plan where the parent is the life assured with triple advantage. Maximiser, Balancer, Protecter, Preserver Maximiser, Balancer, Protecter, Preserver

Maximiser, Balancer, Protecter, Preserver

Maximiser- 75% to 100%

Maximiser- 75% to 100%

Maximiser- 75% to 100%

Fund Value as on that date. This plan is without life cover.

Option I - zero Sum Assured; Option II- upto AP * term st min of 1,00,000/-

1. Sum Assured paid out immediately. 2. Future premiums waived of and paid by the company till the end of maturity. 3. policy benefits continue for the child.

commute upto one-third commute upto one-third as Fund Value. Settlement as tax free lump sum of tax free lump sum of the period upto 5 years. the Fund Value and buy Fund Value and buy annuity from the balance annuity from the balance amt. 5 annuity options amt. 5 annuity options available. available.

NA

Allowed after completion of 5 policy years, You will be entitled to make one partial withdrawal in a policy year upto a maximum of 25% of the Fund Value, subject to a maximum of 5 withdrawals during the entire term of the policy. The minimum partial withdrawal amount is Rs. 2,000 Surrender values after 3 years - 96%, After 4 policy years - 98% and 100% after 5 policy years

Surrender values after 3 years - 96%, After 4 policy years - 98% and 100% after 5 policy years

NA

ADBR, Premium Waiver, income Benefit Rider. Income benefit- 10% of rider sum assured paid out every year till maturity.

4 free switches allowed every policy year. Minimum switch amount is Rs. 2000 NA NA

4 free switches allowed 4 free switches allowed every policy year. Minimum every policy year. Minimum switch amount is Rs. 2000 switch amount is Rs. 2000 2 years

NA

5 to 57 years

10 to 57 years parent- 20 to 60 years; child- 0 to 15 years

25,000 pa

Monthly- 834/-; Half Yearly- 5000/- ; Yearly10,000/10,000 per annum. Min Sum assured- 1,00,000/-

18 to 70 years 75 years 45 to 75 years Single premium only

18 to 65 years 10 to 25 years 75 years 45 to 75 years Y/H/M parent- 75 years; child- 18 to 25 years Y/H/M

ICICI Smart Kid Single Premium single premium market linkl ed child plan where the parent is the life assured with triple advantage.

Maximiser, Balancer, Protecter, Preserver

Maximiser- 75% to 100%

1. Sum Assured paid out immediately. 2. policy benefits continue for the child.

Fund Value. Settlement period upto 5 years.

Allowed after completion of 5 policy years, You will be entitled to make one partial withdrawal in a policy year upto a maximum of 25% of the Fund Value, subject to a maximum of 5 withdrawals during the entire term of the policy. The minimum partial withdrawal amount is Rs. 2,000

Surrender values after 3 years 96%, After 4 policy years - 98% and 100% after 5 policy years

ADBR, Income Benefit Rider. Income benefit- 10% of rider sum assured paid out every year till maturity.

4 free switches allowed every policy year. Minimum switch amount is Rs. 2000

NA

parent- 20 to 60 years; to 15 years

child- 0

25000 p.a. Sum Assured= 5 times Annual Premium 10 to 25 years parent- 75 years; child- 18 to 25 years

Single premium only

Name of Product

HDFC Unit Linked Endowment

HDFC Unit Linked Endowment Plus market linked endowment plan with loyalty additions every year

HDFC Unit Linked Pension market linked pension plan without life cover with flexible investment options.

Brief Product Description Market linked endowment plan with flexible investment options and rider benefits.

FEATURES
Investment Portfolio

loyalty units @ 0.10% of fund value added every year. Liquid Fund, Secure Liquid Fund, Secure Liquid Fund, Secure Managed Fund, Defensive Managed Fund, Managed Fund, Managed Fund, Balanced Defensive Managed Defensive Managed Managed Fund, Equity Fund, Balanced Fund, Balanced Managed Managed Fund, Growth Managed Fund, Equity Fund, Equity Managed Fund Managed Fund, Growth Fund, Growth Fund Fund Growth - 100% Growth - 100% Growth - 100%

Max equity exposure Death Benefit

Maturity Benefit Top Up Premiums Partial Withdrawal

Higher of Sum Assured or Fund Value Fund Value. Settlement Period min 5,000/6 times free in a year. Additional charge of Rs 250/- per withdrawal thereafter. Min amount10,000/-. NIL after three years. Before three years- 30% of the difference between expected annual premium and the received premium for the first two years.

Higher of Sum Assured or Fund Value Fund Value. Settlement Period min 5,000/6 times free in a year. Additional charge of Rs 250/- per withdrawal thereafter. Min amount- 10,000/-. NIL after three years. Before three years60% of the difference between expected annual premium and the received premium for the first year.

Fund Value option to commute or buy annuity min 5,000/6 times free in a year. Additional charge of Rs 250/- per withdrawal thereafter. Min amount10,000/-. NIL after three years. Before three years- 30% of the difference between expected annual premium and the received premium for the first two years.

Complete Surrender

Riders

Accidental Death, Critical Accidental Death, Illness Critical Illness

NA

Other Features Switching Option

24 switches free in a policy year. Additional switches charged at Rs. 100 per switch 2 years

24 switches free in a policy year. Additional switches charged at Rs. 100 per switch 2 years 0.10% of fund value added every year.

24 switches free in a policy year. Additional switches charged at Rs. 100 per switch 2 years

Revival period Loyalty units

NA CONDITIONS Term Minimum Premium 10 to 30 years min premium- 10,000/-. Max SA = 40 times Annual Premium 18 to 65/55 years 65 to 75 years regular

NA

Min / Max age at entry Max maturity age Vesting Age Premium Payment Mode

10 to 30 years min premium- 10,000/-. Max SA = 40 times Annual Premium 18 to 65/55 years 65 to 75 years regular

10 to 40, single- 5 to 40 yrs. min regular premium10,000/- min single premium- 25,000/18 to 65/70 years 75 years 50 to 75 years regular/single

HDFC Unit Linked Pension Plus market linked pension plan without life cover with loyalty additions every year

HDFC Unit Linked Young HDFC Unit Linked Star Young Star Plus market linked child plan with double benefit market linked child plan with double benefit and loyalty units loyalty units @ 0.10% of fund value added every year. Liquid Fund, Secure Managed Fund, Defensive Managed Fund, Balanced Managed Fund, Equity Managed Fund, Growth Fund Growth - 100% 1. Sum Assured paid out to beneficiary immediately; 2. Policy continues with premium injections by HDFC Fund Value. Settlement Period min 5,000/6 times free in a year. Additional charge of Rs 250/- per withdrawal thereafter. Min amount10,000/-. NIL after three years. Before three years60% of the difference between expected annual premium and the received premium for the first year.

loyalty units @ 0.10% of fund value added every year. Liquid Fund, Secure Liquid Fund, Secure Managed Fund, Defensive Managed Fund, Defensive Managed Fund, Balanced Managed Fund, Balanced Managed Fund, Equity Managed Fund, Equity Managed Fund, Growth Managed Fund, Growth Fund Fund

Growth - 100%

Growth - 100%

1. Sum Assured paid out to beneficiary immediately; 2. Policy continues with premium Fund Value injections by HDFC option to commute or buy Fund Value. Settlement annuity Period min 5,000/min 5,000/6 times free in a year. 6 times free in a year. Additional charge of Rs Additional charge of Rs 250/- per withdrawal 250/- per withdrawal thereafter. Min amount- thereafter. Min amount10,000/-. 10,000/-. NIL after three years. Before three years- 50% of the difference between expected annual premium and the received premium for the first year. NIL after three years. Before three years- 30% of the difference between expected annual premium and the received premium for the first two years.

NA

Critical Illness

Critical Illness

24 switches free in a policy year. Additional switches charged at Rs. 100 per switch 2 years 0.10% of fund value added every year.

24 switches free in a policy year. Additional switches charged at Rs. 100 per switch 2 years

24 switches free in a policy year. Additional switches charged at Rs. 100 per switch 2 years loyalty units @ 0.10% of fund value added every year.

NA

10 to 40 years min regular premium10,000/18 to 65 years 75 years 50 to 75 years regular

10 to 25 years min premium- 10,000/-. Max SA = 40 times Annual Premium 18 to 65/55 years 75/65 years regular

10 to 25 years min premium- 10,000/-. Max SA = 40 times Annual Premium 18 to 65/55 years 75/65 years regular

Name of Product Brief Product Description

Max NY LifeMaker Pension regular market linked pension plan

Max NY LifeMaker Investment Plan

FEATURES
Investment Portfolio Secured; Conservative; Balanced; Growth Secured; Conservative; Balanced; Growth

Max equity exposure

20-70% in growth fund

20-70% in growth fund

Death Benefit

Option I: level insurance coverhigher of sum assured or fund value; Option II: increasing insurance cover- sum assured plus fund value. in both the options, if the assured dies before 10 years, only the fund value is payable. Fund Value Fund Value

Maturity Benefit

Top Up Premiums

min 10,000

Partial Withdrawal

Complete Surrender

LPP option

Riders

Personal Accident Benefit; Dread Disease Rider

Other Features Switching Option 2 switches free per policy 3 switches free per policy year. year. Premium redirection Premium redirection free once free 3 times per policy year. per policy year.

Revival period

3 years but prior to vesting period

3 years but prior to vesting period

Loyalty units

NA

In the last year only. Equal to 2.5% of annual target premium times the policy term but subject to a max of one year's annual premium.

CONDITIONS Term Minimum Premium Min / Max age at entry Max maturity age Vesting Age 50-70 years Premium Payment Mode Y/H/Q/ECS 5 to 52 years 10,000 10 to 58 years 15,000; Min Sum Assured75,000 12 to 60 years

18 to 65 years

70 years

Max NY Life Invest Investment Plan

Option I: level insurance coverhigher of sum assured or fund value; Option II: increasing insurance cover- sum assured plus fund value. in both the options, if the assured dies before 10 years, only the fund value is payable. Fund Value. Settlement period allowed upto 5 years.

level death benefit- 20% of surrender value; Increasing death cover- 50% of surrender value. Minimum amount 10,000/-

Personal Accident Benefit; Dread Disease Rider

6 free switches and 3 premium re-directions free per policy year.

3 years but prior to vesting period

In the 9th year and every 3rd year thereon. Equal to 1% of the weighted avg of the fund values in the immediately preceeding 36 months.

5 to 75 years. Regular- min 10 years Regular/Single -50,000/-. Min SA single- 62,500; regular2,50,000/91 days to 70 years (55 years with riders) 75 years

Regular, Single, LPP(3,5,7,10)