TRADITIONAL LIFE INSURANCE PLAN

1. DHAN SURAKSHA PLATINUM 2 DEFINED BENEFIT ENDOWMENT PLAN 3. JEEVAN SAFAR 4. PURE TERM ASSURANCE PLAN 5. DEFINED GROWTH ENDOWMENT PLAN 6. SURAKSHA KAVACH

UNIT LINKED LIFE INSURANCE PLANS

1. DHAN SURAKSHA 3 2. PRABHAT TARA 3 3. DHAN SURAKSHA EXPRESS

TRADITIONAL LIFE INSURANCE PLAN

DHAN SURAKSHA PLATINUM

What is Dhan Suraksha Platinum? It is a non-participating, single premium, limited period endowment insurance plan which gives guaranteed maturity and death benefit

Single Premium Payment Plan Entry Ages Min: 8 years, Max: 55 years Life Cover = Premium x 5, for the full term of 10 years Guaranteed Benefit at Maturity Minimum Premium: ` 1,00,000/Tax Benefits on Premiums under sec 80C* Tax Exemption on Death and Maturity Benefits under sec 10 (10D)

Key features of this plan

1. Convenience of paying just once 2. Protection to the family in case of unfortunate death of the bread winner 3.Assured benefit on maturity 4.Higher maturity benefit for high premium policies 5.Tax benefits on the premium you invest under Section 80C 6. Tax break on the plan benefits received, under Section 10 (10D)

Benefits under this plan

Maturity Benefit: On survival till the end of the policy term, you will receive the Maturity Benefit. Your policy will get terminated and no further benefits will be paid. Maturity Benefit is dependent upon age at entry of the policy holder and is equal to the single premium multiplied by the Maturity Benefit factor. Additional Benefit is payable on maturity for large Single Premium policies and is as follows: For Single Premium Between 5 lacs and 49.90 lacs: 50 lacs and above: 2% of Single Premium 3% of Single Premium

Death Benefit:

` In case of unfortunate demise during the policy term, the sum assured, an amount equal to 5 times the single premium will be paid to the nominee immediately. Your policy will get terminated and no further benefits will be paid.

Premiums:
You have the convenience of paying just once to stay protected during the policy term and reap returns from the single payment on maturity.

Eligibility and limits:

You can apply for this plan if the life assured meets our age criteria mentioned below. You have to choose a suitable premium as per the limits mentioned below:

Minimum Age of the life assured at entry Age of the life assured at maturity Sum Assured 8 years ( age last birthday ) 18 years ( age last birthday ) Rs. 5,00,000

Maximum 55 years ( age last birthday ) 65 years ( age last birthday ) Rs. 5,00,00,000

DEFINED BENEFIT ENDOWMENT PLAN

The SUD Life Defined Benefit Endowment Plan offers an opportunity to build up future income streams to meet for multiple purposes, either planned or contingencies. During the earning age, a person can contribute to the policy with varying options (5, 10, 15 or 20 years). This plan is available for persons aged 18 to 60. The policy would assure regular payment of the chosen benefit at monthly intervals for 15 long years. This policy also offers the much needed life cover during the premium paying term, which amount would be a portion of the sum assured. Looking to the assured nature of the benefits, the policy is designed under traditional mode without linking it to the fluctuations of financial market. The premiums contributed under this policy and the benefits receivable are eligible for tax benefits under the applicable tax laws.

Key features
1.Defined monthly benefit for 15 years 2. Guarantees life insurance cover 3.Goodwill terminal benefit 4.Premium payment terms: 5,10,15 & 20 years 5.Premium payment options: yearly,Half yearly,quarterly & monthly 6.Income tax benefits on premium as well as on defined monthly benefit

Key benefits:
1.On unfortunate demise during the term:
In the event of the unfortunate demise of the life assured during the policy term,the following benefits will be paid to the nominee/beneficiary:

Immediately after the death:

A lump sum of 25% of sum assured after deducting all due premiums payable during the policy year in which death occurs and past premiums due (before the expiry of the grace period in case of regular premium) will be paid.

Defined monthly benefit for next 15 years after the death Risk cover: Not available after the policy term 2.on unfortunate demise during the defined benefit payment period: Defined monthly benefit:
The remaining defined monthly benefits will continue as and when due till the end of the defined benefit payment period.

Goodwill terminal benefit:

5% of sum assured for policy term of 5/10 years and 10% of sum assured for policy term of 15/20 years will be paid at the end of defined benefit payment period.

Risk cover:
Not available after the policy term.

3.On survival till the end of the policy term: Defined monthly benefit for next 15 years. Goodwill terminal benefit:
5% of sum assured for policy term of 5/10 years and 10% of sum assured for policy term of 15/20 years will be paid at the end of defined benefit payment period.

Surrender benefits:
The policy can be surrendered at any time after the third policy anniversary and before the end of the policy term i.e. before the commencement of the defined benefit payment period.

Income tax benefits:

1.Premiums paid under this product are eligible for tax benefits under section 80C. 2.Benefits paid under this policy are tax free under section 10(10D).

Eligibility:
Minimum entry age Maximum entry age Maximum age at the end of the policy term/ Premium Payment term 18 years 60 years 65 Years

JEEVAN SAFAR ENDOWMENT PLAN

Star Union Dai-ichi Life has launched an exciting policy called Jeevan Safar which is a combination of the traditional endowment assurance and whole life plans. It assures payment of the target amount sum assured along with the vested bonuses, if the life assured is alive at the end of the premium paying term or in case of unfortunate death of the life assured during the premium paying term of the policy. That is not all! The risk cover continues on the life of the assured even after the premium paying term; another amount equal to full sum assured will become payable to the family on death of the assured after the premium paying term.

Key features:
1 .Invaluable life insurance cover will provide financial security to your family. 2 .An excellent opportunity to have risk cover on a time tested traditional platform. 3 .Option to attach additional benefits to your policy such as SUD Life Accidental Death & Total and Permanent Disability Benefit Rider as well as SUD Life Critical Illness Benefit Rider. 4 .You can welcome a tension free and enjoyable happy family day, every day, with the assurance that your family s financial security is in safe hands.

Key benefits:
Death benefit:
Jeevan Safar policy provides for payment of sum assured along with the vested bonuses on death of the assured during the premium paying term. If the death takes place after the premium paying term, then only the sum assured is payable.

Survival benefit:

Sum Assured along with the vested bonuses become payable on survival of the assured to the end of the premium paying term.

EVENTS On death during the premium paying term of policy. On survival till the end of the premium paying term. On death any time there after

BENEFITS Sum assured along with vested bonus. Sum assured along with vested bonus Sum assured

3. Back dating of the policy is available within the same financial year

Rider benefits:
The following rider benefits are available during the premium paying term of the policy:

SUD Life Accidental Death & Accidental Total & Permanent Disability Benefit Rider:
1. In the unfortunate event of death of the Life Assured due to accident during the premium paying term of the policy or prior to his attaining age 65, whichever is earlier, an amount equal to the sum assured under this rider will be paid. 2. In the event of total and permanent disability of the Life Assured due to accident during the premium paying term or prior to his attaining age 65, whichever is earlier, an amount equal to the sum assured under thid rider will be paid.

b) SUD Life Critical Illness Benefit Rider:

In the unfortunate event of the life assured suffering from any of the diseases listed in the policy or undergoing any of the surgeries listed in the policy, before attaining 60 years of age or during the premium paying period under this policy whichever is earlier, an amount equivalent to the rider sum assured becomes payable.

Guaranteed surrender value:

A minimum guaranteed surrender value is available under the policy provided the premiums have been paid for at least three years. The minimum guaranteed Surrender Value payable is 30% of the total amount of the premiums paid under the policy excluding the premiums paid for the first policy year and all the extra premiums paid, if any. The cash value of any existing vested bonus additions will also be paid.

Policy loan:
A policy loan can be availed by assigning the policy document as a collateral security, subject to the terms and conditions of the Company, applicable from time to time, provided the policy has acquired surrender value.

Policy Lapse & Revival:

a. Grace Period: A grace period of 30 days will be available for payment of quarterly/half-yearly and yearly premiums, and a 15 days grace period for monthly premium options. If death occurs during the grace period, the Sum Assured will be paid after deduction of premiums due during the policy year.

b. Policy Lapse: If the premium is not paid before the expiry of the grace period, the policy is shall lapse.

Beneficiaries under this plan:

Benefit at the end of the Premium Paying Term: This plan provides the Sum Assured and the accrued bonuses at the end of the stipulated premium paying term, and the risk cover on the life continues till death. If the policy has been assigned, the proceeds would be payable to the assignee(s) under the policy.

Death Benefits:
In the unfortunate event of the life assured under the policy, the nominee will receive the proceeds due to him or her under the policy.

Nomination is compulsory under this plan, subject to the provisions of the

Section 39 of the Insurance Act, 1938. Where the nominee is a minor an Appointee will be compulsory.

Income Tax Benefits:

As per the current laws, income tax benefits are available under Section 80C and Section 10(D) of Income Tax Act, 1961.

Eligibility criteria:
Minimum age at entry 18 yrs at last birthday

Maximum age at entry 60 Yrs at last birthday Maximum age at the 70 yrs at last birthday end of premium paying term

SURAKSHA KAVACH INSURANCE PLAN

Star Union Dai-ichi Life Suraksha Kavach Insurance Plan is a participating endowment insurance plan which allows to continue life cover for up to three years from the date of first unpaid premium, whenever one needs to take a break from premium payment*.The policy will not lapse during this period, thus ensuring familys protection against death and disability* at all times.

Key features:
1. Enjoy the benefits of a life cover for a period of up to 25 years at a reasonable price 2. Your family is secured, as they get an assured lump sum benefit immediately, in case of the life assured's untimely death 3 .Additional protection with a built-in accidental death and total and permanent disability cover 4 .Simple reversionary bonus (if any) is added to your policy at the end of each year after the premium forthat year is paid in full. This helps you grow your savings. 5 .On maturity, the sum assured along with all vested bonuses (if any) is paid to you 6. Your cover continues for a maximum period of three years even if you miss paying premiums* 7. Option to customise your plan by attaching a critical illness rider 8 .You can enjoy tax benefits on the premium you invest under Section 80C 9 .You and your family also get tax break on the plan benefits received, under Section 10 (10D)

Key benefits:

Maturity benefit:
On survival till the end of the policy term, that is, when your policy matures, you will receive the sum assured, plus vested bonus (if any). Your policy will get terminated and no further benefits will be paid.

Death benefit:
In case of unfortunate demise during the policy term, the sum assured along with the vested bonus (if any) will be paid to the nominee immediately. Your policy will get terminated and no further benefits will be paid.

Accidental death benefit:

In the event of death due to an accident, along with the basic death benefit, the nominee will receive an additional amount which is equal to the basic sum assured. Your policy will be terminated and no further benefits will be paid under the policy after we have paid the accidental death benefit.

Accidental total and permanent disability benefit:

In the unfortunate event of total and permanent disability caused due to an accident, an amount equal to the basic sum assured in 120 equal monthly instalments will be received . In case of death during this period, the remaining instalments will be paid to your nominee, along with the basic sum assured and vested bonus (if any).

Income Tax Benefits:

As per the current laws, income tax benefits are available under Section 80C and Section 10(10D) of Income Tax Act, 1961 which are subject to change in tax laws from time to time. Prevailing benefits would be applicable as per the prevailing laws from time to time.

Eligibility:

Minimum Age of the life assured at entry Age of the life assured at maturity Policy term Sum assured* 18 years (age last birthday) 28 years (age last birthday) 10 years Rs.1,00,000

Maximum 50 years (age last birthday) 65 years (age last birthday) 25 years Rs.10,00,000

UNIT LINKED LIFE INSURANCE PLANS

DHAN SURAKSHA 3 PLAN
This is a Unit Linked Endowment insurance plan which provides Death benefit when death occurs within the term of the policy, maturity benefit if the policy holder survives the term of the policy. This policy comes with 2 riders which provide cover against accidental death or permanent disability and cover against critical diseases.

Key features:
1.Invaluable life insurance cover will provide financial security to your family. 2.An excellent opportunity to invest in a basket of financial instruments your choice to maximize your returns. as per

3.Option to attach additional benefits to your policy SUD Life Accidental Death & Total and Permanent Disability Benefit Rider and SUD Life Critical Illness Benefit Rider. 4.Flexibility in investing year after year Premium redirection, switching investments among the available fund options, etc.

Key benefits:
Death Benefit:
A death benefit is payable in the unfortunate event of the death of the life assured as follows: In the event of death of the life assured, during the term of the policy, the death benefit payable is the Sum Assured less any partial withdrawals made within 12

calendar months immediately preceding the death of the life assured excluding partial withdrawals from top up amount. *Plus Rider Sum Assured as chosen by the policyholder, if any. *Less mortality charges and rider charges (if any) due during the policy year in which death occurs, which were not recovered already. *Once the death claim is paid, the contract ceases to exist.

Maturity Benefit:
The maturity benefits may be paid in one lump sum at the time of maturity or in annual instalments not exceeding five, as selected by the policyholder. *Payments will be received by the Life Assured/Assignee, as the case may be, in the form of yearly, half-yearly, quarterly or monthly instalments. Half-yearly, Quarterly and Monthly modes are available only through ECS credit

Rider Benefits:
The following riders are available either at inception or during the term of the policy. Once a rider benefit is paid the rider will terminate and only the base policy will continue. 1) SUD Life Accidental Death and Total & Permanent Disability Benefit Rider 2) SUD Life Critical Illness Benefit Rider

Top Up Facility:
1.Top-up is allowed except during the last five years of the contract, subject to a minimum of Rs. 5000/- and in multiples of Rs. 1000/-. 2.A Top up made during the currency of the contract will be treated as Single Premium and the conditions for its Sum Assured will be those applicable for Single premium.

3. The life cover on top-up premium will be based on the age at payment of the top-up premium and not on the age at entry. 4. In case of Regular/Limited Premium, Top-ups are allowed only if there is no past unpaid Regular/Limited premium. 5. In case of termination of the policy, before the completion of the policy term, the top up fund value will be paid along with the base premium fund value irrespective of the lock-in period for top up.

Policy Loan:
The policyholder can avail loan after completion of 3 policy years.The maximum loan amount that can be sanctioned under this policy shall not exceed 40% of the surrender value in those policies where equity accounts for more than 60% of the total share and shall not exceed 50% of the surrender value of those policies where debt instruments account for more than 60% of the total share.The interest rate for the purpose of availing loan will be the interest rate applicable at the time of availing the loan subject to the terms and conditions of the company.

Policy Surrender/Discontinuance & Revival:

After the receipt of surrender request, no further premiums are accepted and no further charges (except the surrender charges, if any) are deducted.In case of death of the Life Assured before payment of the surrender value, such surrender value is payable to the nominee. .Grace period: For Regular/Limited Premium: A grace period of 15 days is allowed for monthly mode and 30 days for other modes. For Single Premium: NA.

Nomination:

: Nomination is compulsory under this plan. Where the nominee is a minor, an Appointee must be compulsorily registered.

Income Tax Benefits:

As per the current laws, income tax benefits are available under Section 80C and Section 10(10D) of Income Tax Act, 1961 which are subject to change in tax laws from time to time.

Eligibility: Minimum age at entry Maximum age at entry Maximum maturity age 8 yrs last birthday 60 yrs last birthday 80 yrs last birthday

SUD Life Prabhat Tara 3 Unit Linked Child Benefit Insurance Plan
This is a unit linked child beneficiary insurance plan which pays a death benefit in case of the unfortunate demise of the life assured during the term of the policy The death benefit is the sum assured along with a monthly income benefit. Also, the future premiums are waived off and paid by the company to ensure that the maturity benefit remains intact, whether the life assured is around or not. The maturity benefit i.e. the fund value is paid on survival of the life assured to the end of the policy term. The plan offers high returns on moneys paid by the policy holder by offering the option of choosing among 4 available fund types. Policy holder can pay the premium in Yearly/Half-yearly/Quarterly/monthly mode. Two riders which provide cover against accidental death or permanent disability and cover against critical illnesses are also available with this policy.

Key features:
a. Your regular contributions grow at attractive market returns until your child reaches 25 years of age. A sizeable lump sum would then be available for him/ her to kick off his/her independent life. b. It is a triple benefit insurance plan providing (i) sum assured payable in the unfortunate event of the demise of the insured parent, (ii) waiver of future premiums company will pay the premiums instead towards the policy which keeps the fund growing as intended by the insuring parent, and (iii) payment of 1% of the sum assured every month as a family income benefit.

c. Option to attach additional rider benefits viz. SUD Life Accidental Death and Permanent Disability Benefit Rider, and SUD Life Critical Illness Benefit Rider which make the plan more attractive. d. The plan provides you with a flexible option to meet your changing requirements.

Key benefits:
Product Features:
a) Policy Term: Policy term is equal to 25 less age last birthday of the child at entry Minimum: 12 years Maximum: 25 years b) Premium Payment Term: Equals 18 minus age of the child at the time of entry calculated as on last birthday. The policyholder can pay the premium for limited premium payment term of 5/7/10 years. C) Maximum Premium : No Limit Subject to underwriting acceptance d) Top Up Premium: Minimum Top Up: Rs.5000 (in multiples of Rs.1,000/-) Maximum Top up: No Limit

ii. Policy Benefits :

a) On Demise of the Insured Parent: In the unfortunate event of demise of the Life assured during the term of the policy, the benefit payable is as under: *Basic Sum Assured plus Top up Sum Assured (if any) will be paid *Rider sum Assured if any will be paid if applicable under the respective rider policy

*Monthly Income Benefit is 1% of the Basic Sum Assured (excluding top up sum assured) and will be payable every month. The first payment will be made at the end of the policy month following the death of the Life Assured and will cease at the end of the policy term

Maturity Benefit:
: Maturity Benefit is payable on survival of the insured parent up to the date of maturity. On the maturity of the policy the fund value will be paid to the policy holder and the contract ceases to exist.The maturity benefits may be paid in one lump sum at the time of maturity or in instalment (settlement options). *Payments will be received by the Life Assured/Assignee, as the case may be, in the form of yearly, half-yearly, quarterly or monthly instalments. Half-yearly, Quarterly and Monthly modes are available only through ECS credit.

Surrender/Discontinuance Benefit:
It is important to note that no surrender benefit is available for life cover/ PPWB/ Monthly Income Benefit and riders and hence surrender is applicable only to the Fund Value. After the receipt of surrender request, no further premiums are accepted and no further charges (except the surrender charges, if any) are deducted.In case of death of the Life Assured before payment of the surrender value, such surrender value is payable to the nominee.

Partial Withdrawal Benefit:

t: Partial withdrawal is allowed from the sixth policy year onwards only if the policy is in force, subject to certain conditions. Partial withdrawal is not allowed during the first five years of the policy. The Company may, in the interest of the holders of unit linked policies and keeping in view exceptional circumstances/ unusual market conditions, limit the total number of units withdrawn on any day to 5% of the total number of units then outstanding in all investment funds.

Rider Benefits:
The following rider benefits are available during the term of the policy,

a) SUD Life Accidental Death and Total & Permanent Disability Benefit Rider:
*If a Life Assured has opted for SUD Life Accidental Death & Total and Permanent Disability Benefit Rider, and in the event of death due to an accident before the Life Assured completes 65 years of age or during the contract period under this rider whichever is earlier, the nominee would be paid an amount equal to rider Sum Assured in addition to the Life cover. *In the event of Total & Permanent Disability, before the Life Assured completes 65 years of age or during the contract period under this rider whichever is earlier, the Sum Assured under this rider will be paid to the Life Assured in 10 equal half yearly instalments.

b) SUD Life Critical Illness Benefit Rider:

In the event the Life Assured is diagnosed for any one of the insured Critical Illness and if he survives for more than 30 days, Sum Assured under this rider will be paid to him in one lump Sum.

Top Up Facility:
1.Top-up is allowed except during the last five years of the contract, subject to a minimum of Rs. 5000/- and in multiples of Rs. 1000/-, if all the due basic premiums have been paid at the time of making Top Ups. 2.In case of Regular/Limited premium, Top-ups are allowed only if there is no past unpaid Regular/Limited premium 3..No top-ups will be allowed after the death of the Life Assured.

Policy Loan:
The policyholder can avail loan after completion of 3 policy years. The maximum loan amount that can be sanctioned under this policy shall not exceed 40% of the surrender value in those policies where equity accounts for more than 60% of the total share and shall not exceed 50% of the surrender value of those policies where debt instruments account for more than 60% of the total share. The interest rate for the purpose of availing loan will be the interest rate applicable at the time of availing the loan subject to the terms and conditions of the company.

Grace Period:
A grace period of 30 days is allowed for payment of quarterly/half-yearly and yearly premiums, and a grace period of15 days for monthly premium options.

Policy Revival:
1.In case the premium is not paid within the grace period, the insurer will send a notice within a period of fifteen days from the date of expiry of the grace period of the policy to such a policyholder giving him/her the option to either Revive the

policy immediately OR Withdraw the policy completely within a notice period of thirty days from the receipt of such notice.

Nomination:
: Nomination is compulsory under this policy. The child is to be nominated under the policy.

Income Tax Benefits:

As per the current laws, income tax benefits are available under Section 80C and Section 10(D) of Income Tax Act, 1961

Eligibility Criteria: a) Entry Age: Minimum: For Life Assured - 19 years age last birthday For Child - 0 years age last birthday Maximum: For Life Assured - 52 years age last birthday For Child - 13 years age last birthday b) Maximum Age at Maturity: 65 years for life assured, 25 years for child.

Dhan Suraksha Express - A Unit Linked Insurance Plan

This is a Unit Linked Insurance Plan available for a minimum premium of just Rs 15,000 per annum. It pays Sum Assured PLUS Fund Value in the unfortunate event of the life insureds death.

Key features:
Protection for family: The family will be provided the Sum Assured PLUS Fund Value in the unfortunate event of one's death. Maximized returns - : An opportunity to invest in either or both of two investment funds Growth fund and Express Balanced fund - for maximized returns & to ensure that financial goals are successfully met. Total control on the investment: flexibility to change the investment mix year after year by redirecting premiums and switching investments among the available fund options depending upon ones changing risk appetite. Choice of greater protection: option to attach additional benefits to the policy by way of SUD Life Accidental Death & Total and Permanent Disability Benefit Rider and SUD Life Critical Illness Benefit Rider.

Key benefits: Death Benefit:

The risk under the policy will commence from inception of the policy. a) In the unfortunate event of the death of the life assured during the term of the policy, the nominee will receive: Fund Value (including top-up fund value, if any), Sum Assured, and

Rider Sum Assured (if opted for by you) The mortality and rider charges (if any) due during the policy year in which death occurs, will be recovered from the benefits. Once the death claim is paid, the contract ceases to exist.

Maturity Benefit:
The Fund Value (including top-up fund value, if any) available to the credit of the policyholder as on the date of maturity will be paid to the policy holder on survival of the life assured till the end of the policy term.The policyholder may choose to receive this benefit as one lump sum, or in instalments (for upto five years)*.

Partial Withdrawal Benefit:

1.Partial Withdrawal is allowed from the sixth policy year onwards or on the life assured attaining age 18 whichever is later. I) Minimum Partial withdrawal amount allowed is Rs. 5,000 (in multiples of Rs. 1,000). ii) Maximum Partial withdrawal: Fund Value less (125% of Annualized premium amount + cumulative nominal Top Up amount received in the last 60 calendar months). 2.Partial withdrawals will be allowed from the top up account first, as long as the top up account allows for partial withdrawals.

Top Up Facility:
*You can top-up your fund with a minimum of Rs. 5000, except during the last five years of the contract. *Top-up premiums must be in multiples of 1000 *A Top-up (made while the policy is in force) will be treated as Single Premium. *Top-up Sum Assured = Top-up premium x Sum Assured Multiplicator Factor (SAMF) * Top-ups are allowed only if there is no past unpaid premium. *The total amount of top-up premiums paid during the tenure of the policy shall not exceed the Sum Insured of the base plan.

Policy Loan:
*You can avail a policy loan against the policy after completion of 3 policy years. *The maximum policy loan amount that can be sanctioned under this policy shall not exceed 40% of the surrender value in those policies where equity accounts for more than 60% of the total share and shall not exceed 50% of the surrender value of those policies where debt instruments account for more than 60% of the total share. *The interest rate for the purpose of availing policy loan will be the interest rate applicable at the time of availing the policy loan subject to the terms and conditions of the company.

Policy Surrender/Discontinuance & Revival:

*After the receipt of surrender request, no further premiums are accepted and no further charges (except the surrender charges, if any) are deducted. * In case of death of the Life Assured before payment of the surrender value, such surrender value is payable to the nominee.

Grace Period:
A grace period of 30 days is allowed.

Nomination:
Nomination is compulsory under this plan. Where the nominee is a minor, an Appointee must be compulsorily registered.

Riders:
1) SUD Life Accidental Death and Total & Permanent Disability Benefit Rider If this rider has been opted for, an amount equal to the rider sum assured would be paid to the nominee, in addition to the lifecover, in the event of death due to an accident. In the event of total & permanent disability, the sum assured under this rider shall be paid in10 equal half yearly instalments. 2) SUD Life Critical Illness Benefit Rider If this rider has been opted for, the sum assured under this rider shall be paid on diagnosis of any one of the following diseases Cancer, Coma, Coronary Artery Bypass Surgery, Heart Attack,Heart Valve Surgery, Kidney Failure, Major Organ Transplantation, Multiple Sclerosis, and Stroke.

Income Tax Benefits:

As per the current laws, income tax benefits are available under Section 80C and Section 10(10D) of Income Tax Act, 1961 which are subject to change in tax laws from time to time. Prevailing benefits would be applicable as per the prevailing laws from time to time.

Eligibility: Age at entry Maximum age at entry Term Mode Regular premium Top up premium 8 yrs-60 yrs 70 yrs 10 yrs Annual Rs.15000- Rs.1,00,000 (in multiples of 1000) Minimum Rs 5000 (in multiples of 1000 thereafter)

Pure term Assurance plan

This is a Term Insurance Plan, with sum assured ranging from Rs 500000 to Rs 24,99,000. Individuals in age group of 18 to 60 years can avail this policy with the term ranging from 5 to 25 years. The Sum assured is in multiples of 1000. This plan also comes with Accidental Death & Total and Permanent Disability Benefit Rider.

Key features:
Sum assured:
Minimum sum assured: Rs.5,00,000/Maximum sum assured: Rs.24,99,000/Sum assured should be in multiples of 1,000 Premium payment: Regular or single premiums can be paid. Under regular premium ,yearly ,half-yearly ,quarterly and monthly modes of payment are available. Rebate: Rebate is available on high sum assured policies 3% of tabular premium on sum assured greater than or equal to Rs.10.00.000/-

Key benefits: Death benefit:

Sum assured chosen at inception will be paid in the unfortunate event of death of the policy holder during the term of the policy.

Rider benefit:

The following rider is available on policies with regular premium mode: SUD life accidental death & total and permanent disability benefit rider: Rider on policies with single premium mode will be allowed as and when the single premium accidental death and total & permanent disability benefit rider will be approved by the IRDA. The rates in this schedule assume that a life assured shall be regarded as Totally and permanently disabled only if , as a result of accidental bodily injury ,the life assured has been rendered unable to perform independently.

Grace period:
A grace period of 30 days will be allowed for payment of quarterly, half yearly and yearly premiums, and 15 days for monthly premium option. If premium is not paid before the expiry of the grace period, the policy lapses. If death occurs during the grace period, the full sum assured under the policy will be paid after deduction of the premiums then due and all premiums falling due during the policy year.

Policy revival:
A lapsed policy can be revived if the revival request is received within 3years from the date of first unpaid premium; by paying the arrears of premium with the applicable interest,(currently @ 9% p.a.) and on submission of the satisfactory medical evidence as per the underwriting rules applicable at that time

Nomination:
Nomination is compulsory.

Eligibility: Minimum Age at entry Age at maturity Policy Term 18 yrs (age last birthday) 23 yrs (age last birthday) 5 yrs Maximum 60 years ( age last birthday) 65 yrs ( age last birthday) 25 years

Defined Growth Endowment insurance plan

SUD life Defined Growth Endowment insurance plan is a non-linked nonparticipating Endowment product that can protect a family today s increasing risks. It offers fixed policy terms of 15, 20, 25 years with regular or single premium payment options. The regular premiums can be paid yearly ,half-yearly, quarterly or monthly.

Key features:
1. Life insurance cover 2 .Guaranteed additions at the end of every year. 3. Guaranteed loyalty additions at maturity. 4. Riders for enhanced protection.

5. Income tax benefits.

Key benefits: Guaranteed Benefits:

This plan offers guaranteed benefits which are vested at the end of each policy year in the following manner:

For a 15 year term policy From year 1 to 5 From year 6 to 10 From year 10 to 15 Rs50 per 1000 SA p.a. Rs.60 per 1000 SA p.a. Rs.70 per 1000 SA p.a.

At maturity , Loyalty addition of Rs.25 per 1000 SA is paid ,provided this policy is in force at maturity.

Maturity benefit:
On maturity, the sum assured plus applicable guaranteed benefits accrued up to the date of maturity plus applicable loyalty addition will be paid.

Death Benefit:
In case of the unfortunate death of the policy holder during the term of the policy, the sum assured plus guaranteed benefits accrued till the date of demise will be paid.

Rider benefit:

In case of regular premium, the policy holder can opt for one or both of the following riders:

1. SUD life Accidental death & total and permanent disability benefit rider:
In the event of death of the life assured due to accident during the term or prior to his attaining age 65, whichever is earlier, an amount equal to the sum assured under this rider will be paid in 10 equal half-yearly installments, each equal to 10% of the basic sum assured

2. SUD life critical illness benefit rider:

In the event the life assured is diagnosed for any one of the insured critical illness during the term or prior to his attaining age 60, whichever is earlier, and if he survives for more than 30 days, the basic sum assured under this rider product will be paid. Critical illness covered under rider benefit: . cancer, Coma, Coronary artery Bypass surgery, Heart attack, Heart valve surgery, Kidney Failure, Major organ transplantation,Multiple Sclerosis, Stroke

Surrender Benefit:
Policy can be surrendered at any time during the policy term after the third policy anniversary in case of regular premium, and after first policy anniversary in case of single premium. Surrender value payable is cash surrender value which is higher of guaranteed surrender value and a special surrender value computed by the company.

Grace period:
A grace period of 30 days is allowed for payment of quarterly, half-yearly and yearly premiums, and 15 days for monthly premium mode option. If premium is not paid within the grace period, the policy lapses.

If death occurs during the grace period, the full death benefit as per the terms and conditions of the policy will be paid after the deduction of the premiums then due but not paid and all premiums falling due during that policy year.

Nomination:
The policy holder may at any time before his/her death/end of the term, whichever earlier, nominate a/some person to receive the policy benefits in the event of the death of the person insured.

Revival:
A lapsed policy can be revived if the revival request is received within 3 years from the date of first unpaid premium; by paying the arrears of premium with the applicable interest, ( currently @ 9% p.a. ) and on submission of the satisfactory medical evidence as per the underwriting rules applicable at that time. Back dating of the policy is available within the same financial year. Rebate for female lives: 2% of tabular form

Income tax benefits:

As per the current laws, income tax benefits are available under section 80C and 10(10D) of income tax act 1961.

Eligibility:

Minimum Sum assured Entry age Rs.100,000/ 12 years birthday

Maximum Rs.50,00,000/ last 60 years birthday last

COMPANY PROFILE:
1. Vision:
Company's Vision Statement:
To be a company making distinctive contribution to business and society through innovative products, high standards of Corporate Governance and consistently generating wealth for all stakeholders.

2 Mission: Company's Mission Statement:

To emerge as a leading insurance company and well recognized brand in the life and pension segments in India, providing a range of products of value to all segments of population, along with high standards of customer service based on best available technological solutions, in a fair and transparent manner.

3. Board of directors:

Mr. M. V. Nair Chairman Mr. B. A. Prabhakar Director Mr. A. K. Shukla Independent Director Mr. Koji Shimogama Director Mr. Rakesh Sethi Director

Mr. Kamaljit Sahay MD & CEO Mr. S. S. Mundra Director Mr. T. C. Nair Independent Director Mr. Hideto Masaki Director

4.Management Team:

Mr. Kamaljit Sahay CEO Mr. Pawan K Verma Chief Operating Officer Mr. Saurabh Mishra Chief Marketing & Distribution officer Mr. G. Saikumar VP-Finance controller

Mr. M. Nakamura Dy. CEO/ Chief Financial officer Mr. I. Sambasiva Rao Appointed actuary Mr. G.V. Ramana VP=Distribution Mr. Sanjay Dhavalikar VP- Operations & Customer Service

Mr. Kazuho Kumano Mr. y. Venkata Rao VP- Financial planning Analysis Chief Investment Officer & Budgeting

COMPANY PROFILE:
1. History:
Bank of India was founded on 7th September, 1906 by a group of eminent businessmen from Mumbai. The Bank was under private ownership and control till July 1969 when it was nationalised along with 13 other banks. Beginning with one office in Mumbai, with a paid-up capital of Rs.50 lakh and 50 employees, the Bank has made a rapid growth over the years and blossomed into a mighty institution with a strong national presence and sizable international operations. In business volume, the Bank occupies a premier position among the nationalised banks. The Bank has 3752 branches in India spread over all states/ union territories including specialized branches. These branches are controlled through 50 Zonal Offices. There are 29 branches/ offices (including five representative offices) and 3 Subsidaries and 1 joint venture abroad.

The Bank came out with its maiden public issue in 1997 and follow on Qualified Institutions Placement in February 2008. . Total number of shareholders as on 30/09/2009 is 2,15,790. The Bank has been the first among the nationalised banks to establish a fully computerised branch and ATM facility at the Mahalaxmi Branch at Mumbai way back in 1989. The Bank is also a Founder Member of SWIFT in India. It pioneered the introduction of the Health Code System in 1982, for evaluating/ rating its credit portfolio. Bank of India was the first Indian Bank to open a branch outside the country, at London, in 1946, and also the first to open a branch in Europe, Paris in 1974. The Bank has sizable presence abroad, with a network of 29 branches (including five representative office) at key banking and financial centres viz. London, Newyork, Paris, Tokyo, Hong-Kong and Singapore. The international business accounts for around 17.82% of Bank's total business.

Mission:
to provide superior, proactive banking services to niche markets globally, while providing cost-effective, responsive services to others in our role as a development bank, and in so doing, meet the requirements of our stakeholders".

Vision:
to become the bank of choice for corporates, medium businesses and upmarket retail customers and to provide cost effective developmental banking for small business, mass market and rural markets"

Directors:
Shri. Alok Mishra Chairman & Managing Director Shri. N. Seshadri Executive Director Shri. M.S. Raghavan Executive Director Shri Kuttappan K Nair Part-time Non official Director Shri. Promod K Panda RBI Nominee Director Shri. Harvinder Singh Office Employee Director Shri. P.M. Sirajuddin Shareholder Director Shri. Neeraj Bhatia Part-time Non- Official Director Shri. Pramod Bhasin Shareholder Director

COMPANY PROFILE: 1. History:

Union Bank of India was established on 11th November 1919 with its headquarters in the city of Bombay now known as Mumbai. The Head Office building of the Bank in Mumbai was inaugurated by Mahatma Gandhi, the Father of the nation in the year 1921. The Bank now operates through over 2800 branches across the country. The Bank's core values of prudent management without ignoring opportunities is reflected in the fact that the Bank has shown uninterrupted profit during all 90 years of its operations. Union Bank has been playing a very proactive role in the economic growth of India and it extends credit for the requirements of different sectors of economy. Industries, exports, trading, agriculture, infrastructure and the individual segments are sectors in which the bank has deployed credit to spur economic growth and to earn from a well diversified portfolio of assets. Resources are mobilised through Current, Savings and Term Deposits and through refinance and borrowings from abroad. The Bank has a large clientele base of over 24 million.

On the technology front the Bank has taken early initiatives and 100% of its branches are computerised. The Bank has also introduced Core Banking Solution with connectivity between branches. 100% of the business of the Bank is under Core Banking Solution making it a leader among its peers in infusion of technology. Many innovative products are developed using the technology platform to offer an array of choices to customers, adding speed and convenience to transactions. Technology will also enable the Bank to derive substantial cost reduction while creating the requisite capacity to handle the ever increasing volume of business in a competitive environment that offers immense opportunities. At the end of September 2011 the Bank achieved total business level of Rs.3,42,856 crore (Rupees Three Lakh Forty two thousand Eight hundred fifty six crore)

2. Vision:
To become the bank of first choice in our chosen areas by building beneficial and lasting relationships with customers through a process of continuous improvement .

3. Mission:
1. To be a customer centric organization known for its differentiated customer service. 2. To offer a comprehensive range of products to meet all financial needs of customers 3. To be a top creator of shareholder wealth through focus on profitable growth 4. To be a young organization leveraging on technology & an experienced workforce

5. To be the most trusted brand, admired by all stakeholders 6. To be a leader in the area of Financial Inclusion

4. Board of Directors:

Shri. M. V. Nair Chairman & Managing Director Shri Suresh Kumar Jain Executive Director Shri. Chandan Sinha RBI Nominee Director PROF. M. S. Sriram Shareholder Director Shri. B. N. Bhattacharjee Officer Employee Director DR. Atul Agarwal Part-time non-official director

Shri . S. S . Mundra Executive Director Shri Rajesh Khullar Govt. Nominee Director Shri. B. M. Sharma Chartered Accountant Director Shri. S. Ravi Shareholder Director DR. Gulfam Mulibi Part-time non official director