INVESTMENTS SELECT MUTUAL FUNDS PERFORMANCE

Transcription

1 R.N. I. No / 1999 Volume - 21 Postal Regd. No. MNE/ 210 / Re.1/- Total Pages 6 Issue - 17 Page -1 () Toll Free Helpline THANK YOU CUSTOMERS! Year YOUR CONTINUED SUPPORT & PATRONAGE OVER THE PAST 30 YEARS MADE US THE LARGEST STANDALONE FINANCIAL PRODUCTS DISTRIBUTION HOUSE IN INDIA. LIST OF COMPANIES ACCEPTING DEPOSITS FROM PUBLIC (FIN & MFG) Company Name Ratings Min. Int Amt. P ble (Rs.) Sr. Sp. 12M Interest Rate (%) 24M 36M Citizen Addl Mths Mths Mths Extra Rate Bajaj Finance Ltd M/Q/C 8.00% 8.15% 8.75% 0.35% 0.25% HDFC Ltd M/Q/A/C 7.98% 7.98% 7.98% 0.25% LIC Housing Finance A/C 8.15% 8.20% 8.25% 0.25% Mahindra Finance Q/H/C 8.10% 8.50% 8.80% 0.25% Sundaram Home Fin. (I) M/Q/C 7.75% 8.00% 8.00% 0.50% Godrej & Boyce Ltd. FAA M/H 8.25% * Spl Addl. Rate - Please contact our Branch office for complete details about the Special Additional Rate * Fixed Deposit Accepted in select cities, please contact our branches for details at the latest Interest rates. * Fixed Deposit Investments are unsecured in Nature. Investors are adviced to go through the financial reports of the company before investing. MUTUAL FUND NFOS CANARA ROBECO SMALL CAP FUND Investment Objective The investment objective of the Scheme is to generate capital appreciation by investing predominantly in small Cap Stocks. Product Suitability This scheme is suitable for investors who are seeking Capital appreciation over long term. Investing predominantly in equities and equity related instruments of small cap companies. Key Features Type of Scheme Scheme Category Minimum Inv. Amt. Load Structure An open - ended equity scheme. Equity Small Cap Rs. 5000/- and in multiple of Rs.1/- thereafter Entry Load Nil; Exit Load -1% for < 12 Months. NFO Closes - 8th February, 2019 MUTUAL FUND LATEST DIVIDENDS 7.75% GOI Capital Gains (Taxable) Savings Bonds Tax Savings Bonds GOI Bonds available for a period of 7 Years, Call us to know more Save Tax u/s 54EC on Your Capital Gain, Call us to know more All Public Issue NRI Attractive Form Available Investment Options Call Your Nearest Bluechip Branch for Latest Available IPOs The Best Suited Schemes for You, right at your doorsteps Scheme Name Dividend Dividend Scheme Name Dividend Dividend Date % ICICI Pru Bluechip Fund 21/01/ % ABSL Tax Relief '96 Reliance Vision Fund 21/01/ % Tata Mid Cap Growth 18/01/ % CanRobeco Emerg-Eq % DSP Eq. Opportunities 10/01/ % CanRobeco Eq. Tax Saver 13.28% Kotak Bluechip Fund 28/12/ % Kotak Eq. Opportunities 27/11/ % L&T India Large Cap 21/12/ % UTI Dividend Yield 20/12/18 ICICI Pru Multicap Date % 94.74% CanRobeco Bluechip Eq % ICICI Pru Midcap Fund 26/11/ % 6.64% L&T Tax Advantage 22/11/ % 17/12/ % UTI Mastershare Unit 15/11/ % ICICI Pru Long Term Eq. 13/12/ % ABSL Frontline Equity 31/10/ % 13.28% ABSL Equity Fund 71.90% L&T Emerging Businesses 26/10/18 ABSL Tax Plan 55.78% IDFC Tax Advantage 27/09/ % OUR NEW OFFICES ACROSS INDIA Anand (Gujarat) Dhule (Maharashtra) Deesa (Gujarat) East Fort (Trivandrum) Gokul Road (Hubballi) Himmatnagar (Gujarat) Kasba (Kolkata) Khandagiri (Odisha) Mattannur (Kerala) Palghar (Maharashtra) Ramgarh (Jharkhand) Thiruvallur (Chennai) Shop No. F-4, 1st Floor, Silver OAK, Opp. Panchal Hall, V. V. Nagar Rd, Tel / Shop No. 4, C. S. No. 1272, Mangalya Apt., Nr Gandhi Putla, Old Agra Rd, Tel / Shop No. 21, First Floor, Pushpanjali Heights, Deesa Palanpur Highway, Tel / /945 (50), Karimpanal Arcade, Opp. Padmanaswamy Temple, East Fort, Tel / Shop No. 6, Plot No. 178, Panchalingeshwar Nagar, Laxmi Nagar, Gokul Road, Tel / , 1st Flr., Amarsinhji Shopping Mall, Tower Rd, Opp. Himmat High School, BLUECHIP CORPORATE INVESTMENT CENTRE LTD. THE LARGEST RETAIL FINANCIAL PRODUCTS DISTRIBUTION HOUSE IN INDIA We are the largest distributors of Investment & Savings products in India viz., Life Insurance, Mutual Funds, GOI Bonds, Corporate Fixed Deposit / Bonds, Infrastructure Bonds, Equity IPOs, etc. We have 478 Branches spread across India in 195 Major Cities. We deal directly with our clients, No Franchises & No Sub Agents. We do not advertise. Tel / Premises No.28, Rajdanga Gold Park, P. S. Kasba, Beside Gayaram School, Tel / Bhaskar Tower, Plot No. 73, Kharvela Nagar, Nilachal Hospital Road, Tel / Shop No. VII 843 Y, S & S Mall, Hospital Rd., Behind Mattannur Bus Stand, Tel / Shop No. 103, First Floor, The Edge, Behind Prakash Talkies, Mahim Road, Tel / Shop No. JK (B), J K Tower, Gr - 112, Gola Road, Ramgarh Cantonment, Tel / No. 157/12B, First Floor, J. N. Road, Opp. Church, Over 5 Lac families are routing their investments through our offices regularly with our greatest asset being our Clients patronage. Our popular Client service, Home Advice, brings the world of financial products right to your door step. Our publication, the, provides updated information on various financial products. It is the most preferred newsletter amongst retail clients and is availed by more than 5 Lac Clients every month. Tel / JUST CALL YOUR NEAREST BLUECHIP BRANCH OUR OFFICES CHANGED TO NEW LOCATIONS Ahmednagar (Maharashtra) Egmore (Tamil Nadu) Shop No. 3, Plot No. 289, Ruth Sadan, Bishop Loid Colony, Sawedi, Tel / Shop No. 150/13, Basement Flr, CISONS Complex, Door No. 150/13, Tel / TM WE PROVIDE FREE DOOR TO DOOR SERVICE T O 5000 INVEST ORS D AIL Y INVESTORS DAIL AILY

2 2 INVESTMENTS SELECT MUTUAL FUNDS PERFORMANCE AAUM NAV Growth Option Lumpsum Investment Growth SIP SIP Investment Fund Fund (Rs.Crs) as on Returns (%) Value of Rs.1 Lac Returns (%) Value of Rs.10000/- SIP Name Type Years 7 Years 5 Years 7 Years 5 Years 7 Years 5 Years 7 Years ABSL Equity Fund Multicap 10, % 16.75% 2,36,139 2,95, % 14.72% 7,82,819 14,54,899 Canara Robeco Equity Diversified Multicap % 13.01% 1,95,003 2,35, % 11.46% 7,62,213 12,79,549 DSP Equity Fund Multicap 2, % 12.56% 2,06,795 2,28, % 11.10% 7,30,570 12,61,820 Franklin (I) Equity Fund Multicap 11, % 14.90% 2,15,245 2,64, % 12.55% 7,44,424 13,35,135 HDFC Equity Fund Multicap 20, % 13.67% 2,13,222 2,45, % 12.45% 7,63,217 13,29,913 HSBC Multi Cap Equity Fund Multicap % 13.19% 2,00,089 2,38, % 10.96% 7,07,652 12,55,008 ICICI Pru. Multicap Fund Multicap 3, % 14.87% 2,17,843 2,63, % 13.12% 7,65,431 13,65,387 IDFC Multi Cap Fund Multicap 5, % 15.45% 2,08,860 2,73, % 11.95% 7,11,499 13,04,177 Kotak Standard Multicap Fund Multicap 21, % 16.82% 2,37,734 2,96, % 14.94% 8,01,774 14,67,759 L&T Equity Fund Multicap 2, % 12.49% 1,97,490 2,27, % 10.65% 7,17,228 12,40,085 Reliance Multi Cap Fund Multicap 10, % 14.95% 2,04,658 2,65, % 12.06% 7,40,543 13,09,786 SBI Magnum Multicap Fund Multicap 6, % 16.54% 2,36,040 2,91, % 14.35% 7,85,522 14,33,578 UTI Equity Fund Multicap 8, % 14.19% 2,02,715 2,53, % 12.18% 7,58,613 13,15,939 ABSL Equity Advantage Fund Large & MidCap 5, % 14.98% 2,23,303 2,65, % 12.74% 7,24,330 13,45,127 Canara Robeco Emerging Equities Large & MidCap 4, % 22.74% 3,20,108 4,19, % 19.75% 8,54,042 17,86,487 DSP Equity Opportunities Fund Large & MidCap 5, % 14.78% 2,16,356 2,62, % 13.08% 7,63,016 13,63,237 Franklin (I) Equity Advantage Large & MidCap 2, % 13.81% 2,03,773 2,47, % 11.50% 7,17,971 12,81,537 HDFC Growth Opportunities Fund Large & MidCap 1, % 10.15% 1,56,706 1,96, % 7.74% 6,89,691 11,10,248 ICICI Pru. Large & Mid Cap Large & MidCap 3, % 12.25% 1,82,053 2,24, % 10.15% 7,10,948 12,16,477 IDFC Core Equity Fund Large & MidCap 2, % 12.89% 1,86,620 2,33, % 10.78% 7,42,675 12,46,316 Kotak Equity Opportunities Large & MidCap 2, % 14.48% 2,17,191 2,57, % 12.76% 7,63,016 13,46,184 L&T Large and Midcap Fund Large & MidCap 1, % 14.09% 1,99,046 2,51, % 10.95% 7,10,030 12,54,523 Reliance Vision Fund Large & MidCap 3, % 10.06% 1,87,528 1,95, % 7.80% 6,48,911 11,12,748 SBI Large & Midcap Fund Large & MidCap 2, % 15.96% 2,18,123 2,81, % 13.76% 7,70,901 14,00,361 Sundaram Large and Mid Cap Large & MidCap % 14.43% 2,27,615 2,56, % 13.52% 7,97,725 13,87,119 Tata Large & Mid Cap Fund Large & MidCap 1, % 14.12% 2,00,176 2,52, % 11.37% 7,27,915 12,75,088 UTI Core Equity Fund Large & MidCap % 11.62% 1,82,862 2,15, % 9.48% 7,02,563 11,85,713 ABSL Frontline Equity Fund Large Cap 21, % 14.49% 2,00,089 2,57, % 11.86% 7,38,034 12,99,610 Axis Bluechip Fund Large Cap 3, % 14.69% 2,00,524 2,61, % 13.02% 7,91,173 13,60,019 CanRobeco Bluechip Equity Fund Large Cap % 12.38% 1,89,854 2,26, % 10.98% 7,56,026 12,55,978 DSP Top 100 Equity Fund Large Cap 2, % 9.75% 1,72,258 1,91, % 7.99% 6,82,321 11,20,712 Franklin (I) Bluechip Fund Large Cap 7, % 11.17% 1,82,619 2,09, % 9.54% 7,11,315 11,88,428 HDFC Top 100 Fund Large Cap 15, % 12.86% 2,03,685 2,33, % 11.98% 7,67,249 13,05,704 HSBC Large Cap Equity Fund Large Cap % 10.70% 1,81,006 2,03, % 9.66% 7,24,330 11,93,882 ICICI Pru. Bluechip Fund Large Cap 20, % 13.69% 2,00,089 2,45, % 12.12% 7,60,610 13,12,858 IDFC Large Cap Fund Large Cap % 10.56% 1,68,127 2,01, % 9.16% 7,19,834 11,71,363 Kotak Bluechip Fund Large Cap 1, % 12.14% 1,91,614 2,23, % 10.44% 7,25,836 12,30,101 L&T India Large Cap Fund Large Cap % 11.46% 1,84,815 2,13, % 9.75% 7,08,383 11,97,993 Reliance Large Cap Fund Large Cap 11, % 15.30% 2,21,881 2,70, % 13.55% 7,83,650 13,88,765 SBI Bluechip Fund Large Cap 20, % 15.25% 2,04,481 2,70, % 12.07% 7,32,666 13,10,297 Tata Large Cap Fund Large Cap % 11.84% 1,76,234 2,18, % 9.57% 7,11,499 11,89,789 UTI Mastershare Fund Large Cap 5, % 12.22% 1,91,783 2,24, % 10.71% 7,35,727 12,42,956 ABSL Mid Cap Fund Mid Cap 2, % 15.77% 2,38,034 2,78, % 12.79% 7,22,077 13,47,771 Axis Midcap Fund Mid Cap 1, % 19.58% 2,56,175 3,49, % 16.08% 8,03,701 15,36,652 DSP Midcap Fund Mid Cap 5, % 18.04% 2,60,448 3,19, % 15.72% 7,85,939 15,14,481 Franklin (I) Prima Fund Mid Cap 6, % 20.08% 2,63,798 3,59, % 16.56% 7,89,494 15,66,826 HDFC Mid-Cap Opportunities Fund Mid Cap 21, % 19.04% 2,55,963 3,38, % 15.87% 7,72,328 15,23,672 ICICI Prudential Midcap Fund Mid Cap 1, % 17.89% 2,53,007 3,16, % 15.25% 7,51,870 14,86,116 Kotak Emerging Equity Scheme Mid Cap 3, % 19.23% 2,83,366 3,42, % 16.52% 7,96,452 15,64,285 L&T Midcap Fund Mid Cap 3, % 20.43% 2,92,218 3,67, % 18.04% 8,25,506 16,64,459 Reliance Growth Fund Mid Cap 6, % 13.81% 2,19,339 2,47, % 12.23% 7,44,424 13,18,513 SBI Magnum Midcap Fund Mid Cap 3, % 18.85% 2,23,589 3,34, % 13.93% 6,95,374 14,09,835 Sundaram Mid Cap Fund Mid Cap 5, % 17.88% 2,57,984 3,16, % 14.72% 7,44,814 14,54,899 Tata Midcap Growth Fund Mid Cap % 18.13% 2,53,533 3,21, % 14.93% 7,53,648 14,67,172 UTI Mid Cap Fund Mid Cap 3, % 18.59% 2,45,429 3,29, % 14.56% 7,12,235 14,45,632 ABSL Small Cap Fund Small Cap 2, % 17.00% 2,42,775 3,00, % 13.77% 7,29,620 14,00,916 DSP Small Cap Fund Small Cap 4, % 20.15% 2,88,231 3,61, % 16.65% 7,38,805 15,72,563 Franklin (I) Smaller Companies Fund Small Cap 6, % 22.12% 2,71,158 4,05, % 17.24% 7,58,812 16,10,805 HDFC Small Cap Fund - Regular Plan Small Cap 6, % 17.55% 2,46,456 3,10, % 16.50% 8,55,200 15,63,016 HSBC Small Cap Equity Fund Small Cap % 16.05% 2,38,936 2,83, % 12.70% 6,89,338 13,43,016 ICICI Prudential Smallcap Fund Small Cap % 11.37% 1,74,901 2,12, % 7.49% 6,33,948 10,99,907 Kotak Small Cap Fund Small Cap 1, % 16.52% 2,42,470 2,91, % 13.16% 7,28,104 13,67,541 Reliance Small Cap Fund Small Cap 7, % 23.29% 3,17,328 4,33, % 20.76% 8,44,396 18,63,560 SBI Small Cap Fund Small Cap 1, % 24.04% 3,54,470 4,51, % 22.35% 9,14,371 19,93,011 Sundaram Small Cap Fund Small Cap 1, % 15.79% 2,51,539 2,79, % 11.71% 6,57,478 12,92,042 ABSL Focused Equity Fund Focused 4, % 14.32% 1,98,872 2,55, % 11.57% 7,26,402 12,85,027 DSP Focus Fund Focused 2, % 11.45% 1,97,145 2,13, % 10.01% 7,01,840 12,09,968 Franklin (I) Focused Equity Fund Focused 7, % 18.48% 2,46,045 3,27, % 15.04% 7,66,441 14,73,650 HDFC Focused 30 Fund Focused % 10.57% 1,93,981 2,02, % 9.14% 6,86,169 11,70,473 ICICI Pru. Focused Equity Fund Focused % 11.32% 1,76,707 2,11, % 9.47% 7,04,194 11,85,262 IDFC Focused Equity Fund Focused 1, % 9.82% 1,71,718 1,92, % 8.90% 7,14,449 11,59,863 Sundaram Select Focus Fund Focused % 10.54% 1,83,186 2,01, % 10.48% 7,52,068 12,31,995 ABSL Pure Value Fund Value 4, % 18.04% 2,57,664 3,19, % 14.40% 7,10,948 14,36,436 HDFC Capital Builder Value Fund Value 4, % 15.78% 2,20,371 2,78, % 13.72% 7,77,654 13,98,143 ICICI Pru. Value Discovery Fund Value 16, % 17.00% 2,29,358 3,00, % 13.17% 7,18,157 13,68,080 IDFC Sterling Value Fund Value 3, % 15.96% 2,23,208 2,81, % 12.77% 7,47,744 13,46,713 L&T India Value Fund Value 7, % 18.62% 2,63,364 3,30, % 15.84% 7,79,096 15,21,828 Reliance Value Fund Value 3, % 14.30% 2,13,681 2,54, % 12.05% 7,44,230 13,09,275 Tata Equity PE Fund Value 5, % 16.24% 2,58,197 2,86, % 15.22% 7,99,427 14,84,327 UTI Value Opportunities Fund Value 4, % 10.93% 1,71,564 2,06, % 8.69% 6,95,732 11,50,678 ABSL Tax Relief 96 ELSS 7, % 17.59% 2,41,861 3,10, % 15.58% 8,10,383 15,05,964 Axis Long Term Equity Fund ELSS 17, % 18.83% 2,41,153 3,34, % 15.74% 7,85,105 15,15,703 CanRobeco Equity Tax Saver Fund ELSS % 13.62% 2,01,836 2,44, % 11.98% 7,65,835 13,05,704 DSP Tax Saver Fund ELSS 4, % 16.37% 2,22,449 2,88, % 13.54% 7,62,614 13,88,216 Franklin (I) Taxshield Fund ELSS 3, % 14.62% 2,11,578 2,59, % 12.22% 7,38,226 13,17,998 HDFC Taxsaver Fund ELSS 6, % 12.47% 1,97,662 2,27, % 10.64% 7,13,710 12,39,607 HSBC Tax Saver Equity Fund ELSS % 14.28% 2,02,012 2,54, % 11.00% 7,11,499 12,56,949 ICICI Pru. Long Term Equity Fund ELSS 5, % 14.81% 2,05,814 2,62, % 12.47% 7,40,156 13,30,956 IDFC Tax Advantage (ELSS) Fund ELSS 1, % 15.94% 2,12,490 2,81, % 13.26% 7,54,439 13,72,945 Kotak Tax Saver ELSS % 13.54% 2,21,881 2,43, % 12.29% 7,67,047 13,21,610 L&T Tax Advantage Fund ELSS 3, % 13.68% 2,09,401 2,45, % 11.99% 7,46,961 13,06,213 Reliance Tax Saver (ELSS) Fund ELSS 10, % 14.77% 2,16,170 2,62, % 10.50% 6,60,978 12,32,943 SBI Magnum Taxgain Scheme ELSS 6, % 13.48% 1,91,278 2,42, % 10.55% 7,06,193 12,35,318 Sundaram Diversified Equity Fund ELSS 2, % 12.59% 1,98,526 2,29, % 10.46% 7,16,114 12,31,047 UTI Long Term Equity Fund ELSS 1, % 12.17% 1,86,126 2,23, % 10.04% 7,14,818 12,11,359 ABSL Equity Hybrid 95 Fund Aggressive Hybrid 13, % 13.24% 1,98,959 2,38, % 11.11% 7,26,969 12,62,308 Canara Robeco Equity Hybrid Aggressive Hybrid 1, % 13.93% 2,06,885 2,49, % 12.15% 7,65,835 13,14,397 DSP Equity & Bond Fund Aggressive Hybrid 6, % 11.87% 2,00,001 2,19, % 10.65% 7,32,856 12,40,085 Franklin (I) Equity Hybrid Fund Aggressive Hybrid 1, % 13.20% 1,96,458 2,38, % 11.17% 7,32,856 12,65,243 HDFC Hybrid Equity Fund Aggressive Hybrid 21, % 14.76% 2,11,396 2,62, % 8.86% 6,91,283 11,58,106 ICICI Pru. Equity & Debt Fund Aggressive Hybrid 26, % 15.25% 2,05,903 2,70, % 12.83% 7,63,619 13,49,892 L&T Hybrid Equity Fund Aggressive Hybrid 10, % 14.28% 2,00,612 2,54, % 11.65% 7,27,725 12,89,030 Reliance Equity Hybrid Fund Aggressive Hybrid 13, % 13.68% 2,00,263 2,45, % 11.15% 7,29,431 12,64,264 SBI Equity Hybrid Fund Aggressive Hybrid 28, % 15.54% 2,02,363 2,74, % 12.89% 7,62,614 13,53,080 Sundaram Equity Hybrid Fund Aggressive Hybrid 1, % 9.57% 1,69,342 1,89, % 9.21% 7,38,419 11,73,591 Tata Hybrid Equity Fund Aggressive Hybrid 4, % 13.68% 1,92,879 2,45, % 6.42% 7,84,897 10,57,000 UTI Hybrid Equity Fund Aggressive Hybrid 6, % 11.57% 1,76,392 2,15, % 9.57% 7,13,156 11,89,789 Disclaimer All Mutual Fund Investments are subject to market risks, the above given information is of the past performance of growth option of various mutual fund schemes, Past performance may or may not be sustained in the future, prospective investors are advised to read the Scheme Information Document and Statement of Additional Information of the respective mutual fund scheme before investing. Bluechip Corporate Investment Centre Ltd. (Bluechip), ARN-0016 is only a Mutual Fund Distributor, not advisors. We are not charging any fees from the customers and have opted out for transaction fees. We do not advice clients on Mutual Fund schemes. We do execution services, display all sales materials such as forms, fact sheets, Brochure etc. as provided by Mutual Funds in all its offices. We also provide door to door services free of cost.

3 LIFE INSURANCE 3 KOTAK SMARTLIFE PLAN Kotak SmartLife Plan, is a limited pay participating endowment plan which will provide you option either to receive Cash bonus payouts every year right from the end of 1 st policy year onwards to take care of interim financial requirements or utilize such Cash bonuses for accumulating and creating a corpus to fulfill bigger goals and plan for a stress-free life. Key Advantages - Offers protection up to the age of 75 years Convenience of choosing Bonus options Cash Payout or Paid-Up Addition Avail chosen Bonus option from end of 1st policy year onwards Additional protection through optional riders on payment of additional premium Plan Benefits Survival Benefit The Survival Benefit shall be payable as per the chosen Bonus option Cash Payout Option at the end of each policy year, starting from the end of 1st policy year - Cash Bonus declared will get paid out till end of the policy term or death or surrender, whichever is earlier. Paid-up Addition option at the end of each policy year, starting from the end of 1st policy year- Cash Bonus declared will get utilized to purchase Paid-Up Additions (additional Sum Assured) the Cash Bonus, for Basic Sum Assured and Paid-Up Additions will be declared separately which in turn will get utilized to Purchase Paid-Up Addition at the end of the policy year. Maturity Benefit On survival till the end of the policy term and all due premiums are paid, the following Maturity Benefit will be payable and policy will get terminated. Under Cash Bonus Payout option Basic Sum Assured PLUS Cash Bonus, if any PLUS Terminal bonus, if any Under Paid-Up Addition option Basic Sum Assured PLUS Cash Bonus, if any PLUS Accrued Paidup Addition, if available PLUS Terminal bonus, if any A LIMITED PAY NON-LINKED PARTICIPATING LIFE INSURANCE PLAN Death Benefit If all the due Premiums have been paid, death benefit shall be Under Cash Bonus Payout option Sum Assured on death PLUS Interim bonus, if any PLUS Terminal bonus, if any Under Paid-Up Addition option Sum Assured on death PLUS Accrued Paid-up Additions, if available PLUS Interim bonus, if any PLUS Terminal bonus, if any Where Sum Assured on death is higher of I) 11 times of Annualised Premium (including extra premium, if any) OR II) Basic Sum Assured, which is the guaranteed maturity benefit OR III) 105% of all premiums paid (including extra premium, if any) till the date of death Tax Benefit Tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961 subject to conditions as specified in those sections. Tax benefits are subject to change as per tax laws. Customer is advised to take an independent view from tax consultant. Eligibility Entry Age of Life Insured Min 3 years, Max 50 Yrs 6 & 15 pay 55 Yrs 8 &10 pay 54 Yrs 12 pay Maturity Age of Life Insured 75 Yrs Policy Term 75 Yrs less Entry Age of Life Insured Basic Sum Assured Min Rs. 2,50,000, Max No Limit Premium Payment Term 6, 8, 10, 12 and 15 years Premium Payment Mode Yearly, Half yearly, Quarterly, Monthly Premium Modal Factor Yearly 100%, Half Yrly 51%, Qtrly 26%, Mthly 8.8% Disclaimers Kotak SmartLife Plan UIN 107N102V01, Form No N102, Kotak Term Benefit Rider, UIN 107B003V03, Form No B003; Kotak Accidental Death Benefit Rider, UIN 107B001V03, Form No B001; Kotak Permanent Disability Benefit Rider, UIN 107B002V03, Form No B002; Kotak Life Guardian Benefit, UIN 107B012V02, Form No B012; Kotak Accidental Disability Guardian Benefit, UIN 107B011V02, Form No B011, Kotak Critical Illness Plus Benefit Rider - 107B020V01, Form No. B020. Ref. No. KLI/18-19/P-NL/498. This is a Savings-cum-Protection oriented Participating Endowment plan. For sub-standard lives, extra premium may be charged based on Kotak Life Insurance s underwriting policy. The product brochure gives only the salient features of the plan. Please refer the policy document for specific details on all terms and conditions. For more details on riders please read the Rider Brochure. Kotak Mahindra Life Insurance Company Ltd (Formerly known as Kotak Mahindra Old Mutual Life Insurance Ltd.); Regn. No. 107, CIN U66030MH2000PLC128503, Regd. Office 2nd Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai Website http//insurance.kotak.com clientservicedesk@kotak.com. Toll Free No TATA AIA LIFE INSURANCE DIAMOND SAVINGS PLAN A NON LINKED PARTICIPATING LIF INSURANCE PLAN Tata AIA Life Insurance Diamond Savings Plan, a limited pay insurance plan that meets tomorrow s requirements along with protecting your loved ones. The plan helps you fulfill your medium and long term goals, such as child s education, second income and retirement planning. Furthermore, to boost your savings participating fund of the product has Equity exposure up to 40%. Key Features Get Guaranteed Income 1 for 10 or 13 years Get vested Compound Reversionary Bonus 2 and Terminal Bonus 2, if any, on Maturity Life cover of minimum 11 times of annualised premium Enhance your protection with optional Riders 3 Tax Benefits u/s 80C and 10(10D), as per applicable income tax laws 4 Plan Eligibility Age at entry (as on last birthday) 0 to 50 years Age at Maturity (as on last birthday) 18 to 75 years Min Premium Rs. 18,000 per annum Premium Modes Annual/Half-yearly/Quarterly/ Monthly Premium Payment Term/ Policy Term (in year) 8/18 and 12/25 Life Cover Min 11 Times of Annualised Premium Guaranteed Income Receive Guaranteed Income 1 of 20% of Assured Benefit for Policy Term of 18 years and 25% of Assured Benefit for Policy Term of 25 years, payable from the end of next year after Premium Payment Term. Maturity Benefit Get lump sum benefit on Maturity of the Policy which is equal to Last Guaranteed Income 1 + accrued Compound Reversionary Bonus 2 and Terminal Bonus 2, if any. Death Benefit On death of the Life Insured during the Policy term, Sum Assured on Death + accrued Compound Reversionary Bonus 2 and Terminal Bonus 2, if any, shall be paid. This total amount will be subject to a minimum of 105% of Total Premiums Paid (excluding underwriting extra premiums & modal loading, if any) as on the date of death. Disclaimers 1 A Guaranteed Income of 20% or 25% of Assured Benefit shall be paid annually commencing from the end of policy year 9 or 13, for premium payment term 8 or 12 respectively and shall be payable till Maturity of the Policy or till death, whichever is earlier. 2 Bonuses are based on company s performance and are not guaranteed. Past performance is not an indicative of future performance. Compound Reversionary Bonus shall accrue annually starting from first Policy Anniversary. Compound Reversionary Bonus shall be a percentage of the Assured Benefit and vested Compound Reversionary Bonus. Terminal Bonus shall be a percentage of the Assured Benefit and shall be paid subject to the following - At least 5 year full Annual Premiums have been paid, where Premium Payment Term is 8 years; or - At least 7 years full Annual Premiums have been paid, where Premium Payment Term is 12 years. 3 Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Rider (UIN 110B028V01), Tata AIA Life Insurance Waiver of Premium Plus (WOPP) Rider (UIN 110B029V01) and Tata AIA Life Insurance Term Rider (110B030V01) are available under this plan. Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits, premiums and exclusions under the riders please refer to the Rider Brochure or contact our Insurance Advisor or visit our nearest branch office. 4 Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefit available to you. Insurance cover is available under this product. This product is underwritten by Tata AIA Life Insurance Company Limited. This plan is not a guaranteed issuance plan and it will be subject to Company s underwriting and acceptance. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. UIN 110N133V01. Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110 CIN U66010MH2000PLC128403). Registered & Corporate Office 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life s nearest branch office or call (local charges apply) or write to us at customercare@tataaia.com. Visit us at or SMS LIFE to L&C/Advt/2019/Jan/074. BEWARE OF SPURIOUS /FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. TATA AIA LIFE INSURANCE MONEY BACK PLUS A NON LINKED PARTICIPATING ENDOWMENT ASSURANCE PLAN Tata AIA Life Insurance Money Back Plus is a participating non linked Money Back Insurance Plan, which caters to your need for guaranteed Cash inflow at regular intervals along with the protection of a life cover from uncertainties of life. The plan offers the advantage of paying for only half of the policy term along with enhancement of your savings through accumulation of Compound Reversionary Bonuses (if any) throughout the Term. Benefits under the Plan Survival Benefit The plan provides you with regular payouts as a percentage of the Basic Sum Assured (BSA) as per the table below End of Policy Year Yr 4 Yr 8 Yr 12 Yr 16 % of Basic Sum Assured 20% 20% 20% 50% Maturity Benefit On Maturity (at the end of policy term), Guaranteed Sum Assured on maturity along with vested Compound Reversionary Bonus and Terminal Bonus, if any, is payable, where Guaranteed Sum Assured on maturity is 50% of Basic Sum Assured. Death Benefit In case of unfortunate event of the death of the insured; Sum Assured on death plus vested Compound Reversionary Bonus and Terminal Bonus, if any, is payable. This total amount will be subject to a minimum of 105% of Total Premiums Paid, as on the date of death. Where Sum Assured on death shall be higher of a) 10 times Annulised premium or b) Basic Sum Assured. The above benefit will be paid irrespective of the regular payouts already paid. Inbuilt Accidental Death Benefit We will pay an additional amount equal to the Basic Sum Assured in case of unfortunate death due to accident. This benefit is applicable only for entry age of 18 yrs or more Age at Entry Min - 2 Yrs, Max - 51 Yrs Age at Maturity Min - 18 Yrs, Max - 75 Yrs Policy Term & PPT Term - 16 Yrs, PPT - 8 Yrs Min. Sum Assured Rs.2,00,000/- Premium Mode M / H / A Tata AIA Life Insurance Company Ltd. (IRDA of India Regn. No. 110) (CIN U66010MH2000PLC128403), 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale. Service tax, Swachh Bharat Cess and TDS are applicable as per governing laws. Tata AIA Life Insurance Company Limited reserves the right to recover/ deduct from the policyholder, any levies and duties (including Service Tax, Swachh Bharat Cess and TDS), as imposed by the government from time to time. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Insurance cover is available under this product. This product is underwritten by Tata AIA Life. The plan is not a guaranteed issuance plan and will be subject to Company s underwriting and acceptance Approval Number L&C/Advt/2016/Mar/239 UIN 110N119V01 TATA AIA LIFE INSURANCE DIAMOND SAVINGS PLAN - BENEFIT ILLUSTRATION # Age of the Life Assured 30 Years Gender Male Premium Payment Term 8 Years Policy Term 18 Years Premium Mode Yearly Yearly Premium Amount Rs.1,00,000/- Basic Sum Rs.11,00,000/- Assured Benefit Rs.3,85,476/- Premium Quotes Year 1 Year 2 Onwards Yearly Premium (excluding GST and cess as applicable) Rs.1,00,000/- Rs.1,00,000/- GST and and cess as applicable Rs.4,500/- Rs.2,250/- Total Premium Payable Rs.1,04,500/- Rs.1,02,250/- Quoted Non-Guaranteed Non Guaranteed 4.00% Policy Annulised Guaranteed Vested Terminal Total Vested Terminal Total Year Age Premium (1) Income (2) C.R.B (3) Bonus (4) D. B (5) C.R.B (3) Bonus (4) D. B (5) ,00, , ,00, ,00, ,00, , ,12, ,00, ,00, , ,25,065 1, ,00, ,00, , ,38,203 1, ,01, ,00, ,752 3,855 11,51,760 1,931 3,855 11,01, ,00, ,191 2,00,448 11,69,607 2,319 1,69,609 11,05, ,00, ,092 4,54,862 13,80,639 2,706 3,93,186 12,71, ,00, ,10,471 7,70,952 16,49,954 3,095 6,39,890 14,95, ,095 1,26,341 7,40,114 19,81,423 3,483 5,74,359 17,42, ,095 1,42,719 6,90,002 19,66,455 3,872 4,93,409 16,77, ,095 1,59,621 6,51,454 19,32,721 4,262 4,27,878 15,97, ,095 1,77,064 6,20,616 19,11,076 4,651 3,77,766 15,32, ,095 1,95,066 6,05,197 18,97,681 5,041 3,35,364 14,82, ,095 2,13,643 5,89,778 19,00,263 5,432 3,04,526 14,40, ,095 2,32,815 5,66,650 19,03,421 5,823 2,73,688 14,09, ,095 2,52,600 5,55,085 18,99,465 6,214 2,54,414 13,79, ,095 2,73,019 5,43,521 19,07,686 6,606 2,38,995 13,60, ,095 2,94,090 5,20,393 19,16,540 6,998 2,27,431 13,45,601 Benefits Benefit Timing 8% 4% Payable (End of Policy Yr) Value % of AP^ Value % of AP^ Guaranteed Income Yr 9 to Yr 17 6,93,857 87% 6,93,857 87% Vested Compounded Reversionary Bonus (CRB) 2,94,090 37% 6,998 1% Terminal Bonus (TB) Yr 18 5,20,393 65% 2,27,431 28% Total Maturity Benefit (CRB + TB + Guaranteed 8,91, % 3,11,524 39% Income for last Policy Yr) ^ Value of Benefits as a % of Sum of Annualised Premium Sum Assured on Death shall be the highest of a) 11 times Annualised Premium, b) Sum Assured on Maturity or c) Absolute amount assured to be paid on death # This is an Extract from a Sample Benefit Illustration for understanding and reference to the product. 1. Quoted Annualised Premium - shall be the premium paid in a year chosen by the Policyholder, including loading for modal premiums, if any. Quoted Annualised Premium will be equal to the Quoted Modal premium multiplied by the frequency of the modal premium payment. 2. A Guaranteed Income of 20% of Assured Benefit shall be paid annually commencing from the end of policy year 9 till maturity of policy, for premium payment term 8 and Guaranteed Income of 25% of Assured Benefit shall be paid annually commencing from the end of policy year 13 till maturity of policy, for premium payment term 12 years. 3. Starting from the 1st policy anniversary, Compound Reversionary Bonus (CRB) will be declared annually, based on the performance of the company and is not guaranteed. Compound Reversionary Bonus shall be a percentage of the Assured Benefit and vested CRB. Vested Compound Reversionary Bonus will be payable on Death or Maturity or Surrender 4. Terminal Bonus, if any, will be a percentage of the Assured Benefit. It will be payable on Death or Surrender or on Maturity provided at least 5 full annual premiums have been paid for premium payment term 8 years and at least 7 full annual premiums have been paid for premium payment term 12 years. Terminal Bonus will be based on Company s performance and is not guaranteed. 5. Total Death Benefit is Sum Assured on Death plus vested Compound Reversionary Bonus and Terminal Bonus, if any. This total amount will be subject to a minimum of 105% of Total Premiums Paid, as on the date of death. * Some benefits are guaranteed and some benefits are non-guaranteed with returns based on the future performance of your Insurer carrying on life insurance business (Tata AIA Life). If your policy offers guaranteed returns then these will be clearly marked as guaranteed in the illustration table. If your policy offers non-guaranteed returns then illustration will show two different rates of assumed future investment returns and corresponding bonus rate. The above bonus illustration has been determined using assumed future investment returns of 8% and 4% respectively. These assumed rates of return are not guaranteed and these are not the upper (8%) and lower (4%) limits of what you might get back at maturity, due to the fact that the value of your policy is dependent on a number of factors, including future investment performance. * The values shown herein are for illustrative purposes only. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

4 4 LIFE INSURANCE ABSLI VISION LIFEINCOME PLAN A TRADITIONAL PARTICIPATING WHOLE LIFE INSURANCE PLAN ABSLI Vision LifeIncome Plan is a Whole Life Income plan which provides secured savings and a steady income till age 100 and also provides comprehensive financial protection to your family. The ABSLI Vision LifeIncome Plan offers Income for life 5% of the Sum Assured guaranteed (1) plus bonus every year after the Premium Paying Term Safety for your loved ones Comprehensive financial protection of your family with whole life cover to age 100 (1) Please refer the brochure for terms and conditions regarding this benefit Benefits Under the Plan Survival Benefit - In the event the life insured survives to the end of the premium paying term, the policyholder will get Accrued bonuses till date In the event the life insured survives to the end of each subsequent policy year, the Policy holder will get Income Benefit of 5.0% of Sum Assured; plus Bonus from the current policy year Maturity Benefit - On Maturity (at the end of the policy term), policy holder will get the Higher of, Sum Assured or 105% of total premiums paid to date (2) ; plus Terminal bonus (if any) Death Benefit - During the Premium Payment Term In the unfortunate event of the death of the life insured during the premium paying term, nominee will get the highest of the Sum Assured or 10 times of the annualised premium or 105% of total premiums paid to date; plus Accrued bonuses as of date of death (3) ; plus Terminal bonus (if any) After the Premium Payment Term In the unfortunate event of the death of the life insured after the premium paying term, nominee will get the highest of the Sum Assured or 10 times of the annualised premium or 105% of total premiums paid to date (2) ; plus bonuses for the current policy year (4) ; plus Terminal bonus (if any) (2) 105% of total premiums paid to date (excluding any applicable rider premium and/or underwriting extras) (3) Refer to bonus section (4) Any bonuses previously paid are excluded Tax Benefits Tax benefits under Section 80C, and Section10(10D) (5) of the Income Tax Act, 1961 available as per the prevailing income tax laws. Tax benefits are subject to changes in tax laws. (5) If any health rider is taken 80D will also be applicable - Age at Entry Min 30 days*, Max - 60 years Policy Term Whole Life to Age 100 Premium Paying Term 8, 10, 12, 15 to 40 years Minimum Premium For PPT 8 Yrs, 10 Yrs & 12 Yrs - Rs. 1,00,000/- p.a For PPT 15 Yrs to 40 Yrs - Rs. 3,880/- p.a Premium Frequency Annual, Semi-annual, Quarterly, Monthly * risk commences from the first policy anniversary This policy is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This is a traditional participating endowment plan. All terms & conditions are guaranteed throughout the policy term, except for the bonuses which would be declared at the end of each financial year. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. An extra premium may be charged as per our then existing underwriting guidelines for substandard lives, smokers or people having hazardous occupations etc. Tax benefits are subject to changes in the tax laws. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.. Aditya Birla Sun Life Insurance Company Limited (Formerly known as Aditya Birla Sun Life Insurance Limited) Registered Office One Indiabulls Centre,Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road,Mumbai IRDAI reg no.109 Call CIN U99999MH2000PLC UIN 109N079V04 ADV/9/18-19/3416 BEWARE OF SPURIOS/ FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public recivieng such phone calls are requested to lodge a police complaint. ABSLI INCOME ASSURED PLAN A TRADITIONAL NON PARTICIPATING LIFE INSURANCE PLAN (FROM ADITYA BIRLA SUN LIFE INSURANCE COMPANY LTD.) Key Benefits Assured Income - 8% of the Sum Assured P.A. payable monthly in arrear starting after the Premium Paying Term till maturity date under option A. Safety for your loved ones - Comprehensive Financial protection of your family with life cover. Tax Benefit - As per Sec 80 C and 10(10D) of the Income Tax Act, 1961 (1) (1)Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details Benefits under the Plan Assured Income Benefit Assured Income payable every month after Premium Paying Term till the end of policy term at the rate of 8.00% of Sum Assured per Annum. At Inception you can opt to receive the Assured income in either of the following ways. Option A - Receive Assured Income on monthly basis till the end of the policy Term, or Option B - Accrue the Assured Income to receive it as lump sum at the end of Policy term or death (whichever is earlier) Policy Term % of Accrued Assured Income 15, 17, 20 Yrs 130% 22, 25 Yrs 150% Guaranteed Addition Guaranteed Additions accrued to date will be added to your policy at the beginning of each quarter after the completion of Premium Paying Term, until the policy maturity date as mentioned below P P T Guaranteed Additions 5 Yrs 7.00% Per Annum 7 Yrs 8.50% Per Annum 10 Yrs 10.00% Per Annum Maturity Benefit On Maturity (at the end of policy term), the policy holder will get a) Sum Assured, plus b) Accrued Guaranteed Additions, in addition the increased accrued Assured Income will also be payable if opted for. Death Benefit - In the unfortunate event of death of the life insured during the policy Term, The Death benefit payable to the nominee shall be a) Sum Assured on Death; plus b) Guaranteed Additions accrued to the date of death, in addition we will also pay the increased accrued Assured Income if opted for. Sum Assured on Death is the highest of - a) Sum Assured as absolute amount to be paid on death or b) 10 times of the annual premium(excluding applicable Taxes, any applicable rider premiums and underwriting extras, if any), or c) 105% of total premiums paid up to date of death (excluding applicable Taxes, any applicable rider premiums and underwriting extras, if any). or d) Maturity Sum Assured The Maturity Sum is the Sum Assured under this plan. if the life insured is different from the policy holder, we shall pay the above death benefit to the policy holder. The policy shall be terminated once the death benefit is paid. Age at Entry Min - 8 Yrs, Max - 60 Yrs (Subject to max attained age of 75 Yrs at end of policy term) PPT & Term PPT - 5 Yrs, Term - 15 Yrs, PPT - 7 Yrs, Term - 17/22 Yrs, PPT - 10Yrs, Term - 20/25 Yrs, Min. S. A. Rs.1,00,000/- Premium Mode M / Q / H / A Aditya Birla Sun Life Insurance Company Ltd. (Formerly known as Birla Sun Life Insurance Company Limited) (IRDA of India Regn. No. 109) (CIN U99999MH2000PLC128110), One Indiabulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale. GST and any other applicable taxes will be added (extra) to your premium and levied as per extant tax laws. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Aditya Birla Sun Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know about the tax benefits available to you. Insurance cover is available under this product. This product is underwritten by ABSL Insurance. The plan is subject to Company s underwriting and acceptance. UIN 109N089V04 ADV/3/17-18/1898 IRDAI clarifies to the public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone number. ICICI Prudential introduces ICICI Pru Cash Advantage, a unique savings and protection oriented plan which offers you a guaranteed amount every month for 10 years, a guaranteed lump sum at maturity, along with bonuses and life cover that provides financial security to your family in case of your death. How does ICICI Pru Cash Advantage work? At policy inception, you choose your premium, premium payment option, premium payment mode, Sum Assured and cash benefit mode. The GCB and GMB are calculated using the parameters as mentioned earlier along with your age and gender. GCB is payable in advance during the payout term. Payout term begins as soon as the premium payment term is over and terminates at the end of the policy term. In the unfortunate event of death of the life assured during the policy term, death benefit is payable to the nominee. On survival of the life assured till the end of the policy term, Guaranteed Maturity Benefit (GMB) T&C2 is payable along with vested reversionary bonuses (RB) plus terminal bonus, if any. Benefits in detail Cash Benefit Throughout the payout term, Guaranteed Cash Benefit (GCB) is payable in (T&C1) advance, provided the life assured is alive and the policy is fully paid (T&C3). GCB can be received in monthly or annual instalments. GCB is a percentage of the Guaranteed Maturity Benefit (GMB) and depends on cash benefit mode as per the table below. Cash benefit mode Gua. Cash Benefit Monthly 1.00 % of GMB Annual % of GMB ICICI PRU LIFE CASH ADVANTAGE A SAVINGS AND PROTECTION ORIENTED PLAN. Maturity Benefit On Maturity of the policy the policy holder will get a) Guaranteed Maturity Benefit, Plus b) Vested Reversionary bonuses, if any, plus C) Terminal Bonus, if any. Guaranteed Maturity Benefit (GMB) GMB is the Sum Assured on Maturity and will be calculated, at inception, based on your premium, premium payment option, premium payment mode, Sum Assured, cash benefit mode, age and gender. Reversionary Bonus if any, will be declared each year during the term of the policy starting from the first policy year. Bonuses will be applied through the compounding reversionary bonus method. Terminal Bonus if any, will be declared and paid on Maturity or in case of death whichever is earlier. Death Benefit On death of the life assured during the policy term, the nominee will get higher of a) Sum Assured plus accrued Bonuses* or b) GMB plus accrued Bonuses* or c) Minimum Death Benefit equal to 105% of sum of premiums paid till date. *Bonuses consist of vested reversionary bonuses, interim bonus and terminal bonus, if any. Sum Assured on Death Age at Entry Multiple of Annual Premium Upto 44 Yrs 10 times Age 45 to 54 Yrs 10 times or 7 times Age 55 Yrs & above 7 times Basic Eligibility Conditions of the Plan Min. & Max. Entry Age 0 Yrs & 60 Yrs Min. & Max. Maturity 18 Yrs & 80 Yrs Premium Modes A / H / M Premium Payment Term & Policy Terms For PPT 5/7/15 Years, Policy term is 15/17/20 years respectively Terms & Conditions 1. Guaranteed benefits are available only if all premiums are paid as per the premium paying term and the policy is in-force till the completion of entire policy term opted. Guaranteed Cash Benefit is payable at the beginning of each policy month during the payout term in case the cash benefit mode is monthly and at the beginning of each policy year during the payout term in case the cash benefit mode is annual. 2. Reversionary bonuses may be declared every financial year and will accrue to the policy if it is premium paying or fully paid T&C3. Reversionary bonus once declared is guaranteed and will be paid out at maturity or on earlier death. Contingent reversionary bonus may be declared every financial year and will accrue only when a policy is made paid-up or a fully paid policy is surrendered. Contingent reversionary bonus, if any, will be paid on maturity, surrender or earlier death. A terminal bonus may also be payable at maturity or on earlier death. 3. A fully paid policy is a policy for which all premiums have been paid, as per the PPT selected, and no further premiums are due. A premium paying policy is policy for which all due premiums have been paid till date, but future premiums are payable for the rest of the PPT. ICICI Prudential Life Insurance Company Limited. IRDAI Regn. No CIN U66010MH2000PLC , ICICI Prudential Life Insurance Co. Ltd. Registered Address ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. ICICI Pru Cash Advantage Form No. E10, UIN105N132V01. Advt No. L/II/1335/ Call us on (10am - 7pm, Monday to Saturday, except national holidays. Valid only for calls made from India). BHARTI AXA LIFE ASSURE BENEFIT PLAN A NON LINKED PARTICIPATING LIMITED PAY ENDOWMENT LIFE INSURANCE PLAN Bharti AXA Life Assure Benefit Plan is a Non Linked Participating Limited Pay Endowment Life Insurance Plan which offers Maturity Benefit as a total of four benefits as given below a) Guaranteed Additions, b) Increasing Reversionary Bonus, c) Guaranteed Maturity Addition d) Sum Assured on Maturity along with the Life Insurance cover more than 11 times of Annualized Premiums during the Policy Term. Benefits Under the Plan Guaranteed Additions Guaranteed Additions will accrue as 3% of the Sum Assured at the end of every Policy year starting from the first policy year till maturity. The accrued Guaranteed Additions will be payable on maturity or death, whichever is earlier. Guaranteed Maturity Addition A Guaranteed Maturity Addition is payable on Maturity and is determined as a percentage of Sum Assured which is higher for higher premium bands as given below Annual Premium (INR) Guaranteed Maturity Addition % (as a % of Sum Assured) < 40,000 20% 40,000 to less than 75,000 30% 75,000 to less than 2,50,000 35% 2,50,000 and above 40% Simple Reversionary Bonus Bonuses will accrue at the end of every Policy year starting from the first Policy year till maturity as a percentage of Sum Assured plus the Guaranteed Additions accrued till the beginning of the applicable Policy year. These will be payable on maturity or death, whichever is earlier. Maturity Benefit On Maturity, You will Receive Sum Assured + Accrued Guaranteed Additions + Accrued Simple Reversionary Bonus + Guaranteed Maturity Addition. Death Benefit Death Benefit is higher of a) The Sum Assured on Death; plus Guaranteed Additions accrued till the date of death; plus Simple Reversionary Bonus accrued till the date of death, or b) 105% of all premiums paid as on the date of death Where the Sum Assured on Death is defined as highest of a) 11 times Annualized Premium; or b) Absolute amount assured to be paid on death equal to the Sum Assured under the policy; or c) Sum Assured on Maturity equal to the Sum Assured under the Policy plus Guaranteed Maturity Additions Tax Benefit Tax Benefit under Section 80C and Section 10 (10D) of the Income Tax Act, The tax benefits are subject to change as per change in tax laws from time to time. Eligibility Criteria Policy Term Premium Payment Term Min. Age at Entry Max. Age at Entry 14 years 7 years 4 years 66 years 16 years 8 years 2 years 64 years 18 years 9 years 91 days 62 years 20 years 10 years 91 days 60 years 22 years 11 years 91 days 58 years 24 years 12 years 91 days 56 years Maximum age at Maturity is 80 years for all policy terms. Disclaimers Bharti AXA Life Insurance is the name of the Company and Bharti AXA Life Assure Benefit Plan is only the name of the traditional participating life insurance policy and does not in any way represent or indicate the quality of the policy or its future prospects. This product brochure is indicative of the terms, conditions, warranties and exceptions contained in the insurance policy bond. Life Insurance Coverage is available under this policy. Riders are optional and available at an extra cost. Tax benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time. Bharti AXA Life Insurance Company Limited. Bharti AXA Life Insurance Company Limited, IRDAI Registration No. 130 Registered Office Unit No. 1904, 19th Floor, Parinee Crescenzo, G Block, Bandra Kurla Complex, BKC Road, Near MCA Ground, Bandra East, Mumbai , Maharashtra UIN - 130N093V01 CIN - U66010MH2005PLC BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS IRDAI clarifies to public that * IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. * IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number. A Regular / limited premium payment individual Health Plan covering 36 critical illnesses Including Heart & Cancer Option of Family Cover & Return of Premium. Inbuilt Waiver of Premium Rider Save Tax u/s 80D upto Rs.30,000/- over and above your tax savings limit of Rs.1,50,000/- u/s 80 C Insurance is the subject matter of the solicitation