A Close Ended Scheme

open for sale

from 16th Feb 2009 to 31st Mar 2009

a money back plan

with Guaranteed Additions

and Loyalty Additions

Prem Paying Term : 9 Yrs

Policy Term : 9 Yrs & 12 Yrs

Mode of Payment : Yearly / Half-yearly / Quarterly /

Mly( ECS)

Benefits:

Survival Benefits as %age of SA:

Term: 9-year 12-year

End of 3 years 15% 10%

6 years 25% 20%

9 years -- 30%

Pol Term Guaranteed Addition

9 yrs. Rs. 65.00 per 1000 S.A.

12 yrs. Rs. 70.00 per 1000 S.A.

Assured Returns

For policy term of 9 years:

60% of the SA Plus Guaranteed Additions Plus Loyalty Addition

For policy term of 12 years: 40% of the SA PlusGuaranteed Additions PlusLoyalty Addition

Full Sum Assured (without deduction of Survival Benefits already paid)

+Guaranteed Additions

+Loyalty Addition (if death occurs in last year)

Eligibility Conditions & Restrictions:

Min Entry Age :15 years (completed)

Max Entry Age : 66 years (nbd) for 9yrs term 63 years (nbd) for 12 yrs term

Min SA : Rs.50,000 for Yly/Hly/Qly Rs.75,000 for Mly (ECS only)

Max S.A. : No Limit

REBATES

Mode Rebates

Yly - 2 % of tab premium

Hly - 1 % of tab premium

S.A. Rebates

Less than 1 lac - NIL

1 lac to less than 2 lac - Rs.2.00

2 lac to less than 5 lac - Rs.3.50

5 lac and above - Rs.5.00

Commission to Agents

1st Year - 10 %There after - 5 %Bonus commission - 40% of FYC

Development Officer’s Credit: 40% of 1st year’s premium.

Other features:

Paid-Up Value

Guaranteed Surrender Value

Special Surrender Value

Revivals

Loans

Assignment

Age 50,000 SA 1 LAC SA

9 Yrs 12 Yrs 9 Yrs 12 Yrs

15 7923 8080 15647 15960

18 7928 8083 15656 15965

21 7931 8087 15661 15975

25 7933 8090 15666 15980

30 7940 8100 15681 15999

35 7960 8127 15720 16053

40 7997 8178 15794 16156

45 8065 8264 15931 16328

50 8181 8404 16161 16607

Illustration:

Age : 30 Yrs DOC : 16.02.2009

Plan : 196-12-9 SA: 1 lac Prem: Rs.15999

LA pays prem from 2009 to 2017

SBs payable:

16.02.2012 Rs.10,000

16.02.2015 Rs.20,000

16.02.2018 Rs.30,000

On Maturity on 16.02.2021:

Rs.40,000 + Rs.84,000+ LA

It is a money back policy

It is a Guaranteed Addition Policy

It has Loyalty Additions also

It is a Regular premium paying policy

Benefits under this plan are TAX FREE

Full Insurance cover even after payment of SBs

It has Loan facility

It can be revived in case of lapse

Can be assigned to Institutions for taking loan