JUST IN CASE, YOU VE FORGOTTEN YOU! Aegon Life Women CI Rider Women Critical Illness Rider

JUST IN CASE, YOU VE FORGOTTEN YOU! Aegon Life Women CI Rider Women Critical Illness Rider

INTRODUCTION Wake up at six. Get the kids packed off to school. Pack lunch boxes for you and your spouse. Get ready for work. Travel to and from work. Have a hectic and energy sapping day. Get home, cook a meal. Have dinner and send the kids to bed. As a woman of today, you end up doing a lot more without realising the toll that it takes on your health. Today more than ever, you, as a woman are susceptible to a lot more illnesses. Presenting the Aegon Life Women Care CI, a rider that can be attached to the base plan so that health worries are the last thing on your mind. As the old adage goes, If there is health, there is hope. If there is hope, there is everything. So, when you keep your health issues covered, you can do and care more for your loved one and nurture the hope for a better life; a life that is in pace with the fast world. BENEFIT STRUCTURE The Aegon Life Women CI Rider covers illnesses pertaining to women. On being diagnosed with any of the covered illness a certain percentage of the base plan Sum Assured will be paid. The illnesses covered under this rider are classified into 2 groups viz. Group 1 & Group 2. When applying for this rider, both the groups (Group 1 & Group 2) will be provided subject to the eligibility conditions for each group. The illness covered and the benefit amounts are as below: Group Conditions covered Benefit amount Group 1 Malignant Cancer of 5% of base Sum Assured the Female Organs subject to Minimum of ` 1 lakh and maximum of `10 lakhs Group 2 n Birth of child with 2.5% of base Sum Assured Congenital Disorders / subject to minimum of You can claim only once under each benefit group Surgeries ` 50,000 and maximum n Pregnancy Complications of ` 5 lakhs throughout the Policy Term. Once the claim is made under any group, the subsequent premium will be reduced by an amount equal to the premium for the claimed group. This rider does not provide any benefit on death of the Life Assured or on maturity of the rider or on surrender of the rider. ELIGIBILITY Parameter Group 1 Group 2 Entry Age Minimum - 18 years Minimum - 18 years completed; completed; Maximum - 65 years Maximum - 35 years last birthday last birthday Maximum Maturity Maximum - 75 years Maximum - 40 years Age last birthday last birthday Sum Assured 5% of base Sum 2.5% of base Sum Assured subject to Assured subject to Minimum of Minimum of `50,000 & `25,000 and Maximum of Maximum of `10,00,000 `5,00,000 Rider Term* Premium Payment Term Premium Payment Frequency Gender Minimum: 10 years Maximum: 40 years Rider term will not exceed the Policy Term. Equal to the Rider Term Same as base plan This rider is available to female lives only

OTHER FEATURES Free Look Cancellation: If you are not satisfied with any of the terms and conditions of the Policy, you may return the Policy document to the Company for cancellation within: n 15 days from the date you received it, if your Policy is not purchased through Distance marketing* n In case purchased through distance marketing*, 30 days from the date you received the Policy On cancellation of the Policy during the freelook period, we will return the premium paid subject to the deduction of: a) Stamp duty paid and b) Expenses borne by the Company on medical examination, if any The Policy will terminate on payment of this amount and all rights, benefits and interests under this Policy will stand extinguished. *Distance marketing: Distance marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the following modes: (i) Voice mode, which includes telephone-calling (ii) Short Messaging service (SMS) (iii) Electronic mode which includes e-mail, internet and interactive television (DTH) (iv) Physical mode which includes direct postal mail and newspaper & magazine inserts and (v) Solicitation through any means of communication other than in person. Option to attach or detach Rider Benefit: The rider can be added anytime during the Policy year and the rider can be detached from the next premium due date after the request has been made. Addition of riders will be subject to underwriting requirements. Rider Premium: The premium rate for this rider will depend upon the age at entry and the Sum Assured under the base plan. Rider premium is sum total of premium for group 1 benefit and group 2 benefits. After age 40 premium applicable only for group 1 benefits will be charged. Company may change the premium rates on fifth policy anniversary after clearance of revised rates from IRDAI and the new premium rates will be guaranteed for next five years. Advance Premium: Advance installment premium will be accepted only for premium due date with in the same financial year. The premium so collected in advance shall only be adjusted on the due date of the premium. TERMS & CONDITIONS Definitions: n Malignant Cancer of the Female Organs: Lump sum benefits as per the Sum Insured will be payable on diagnosis of any Malignant Cancer of the following female Organs: Breast Cervix Uteri Corpus Uteri Ovary Vulva Vagina Fallopian Tube Definition of Cancer: A malignant tumor characterized by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy and confirmed by a pathologist. The term cancer includes leukemia, lymphoma and sarcoma.

n Birth of child with Congenital Disorders/Surgeries: Lump sum benefits as per the Sum Assured will be payable on occurrence of the following events to the child: n Open Heart Surgical Repair of ASD Open Heart Surgical Repair of VSD Surgical Repair of Tetralogy of Fallot Surgical Repair of Transposition of Great Vessels Confirmed diagnosis of the Down's syndrome Pregnancy Complications: Lump sum benefits as per the Sum Assured will be payable on Pregnancy related Complications as specified below: On diagnosis of Disseminated Intravascular Coagulation (DIC) during pregnancy On diagnosis of Molar Pregnancy On undergoing hysterectomy due to Post partum hemorrhage Definition of Open Heart Surgical Repair: The actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as a consequence of defects in, abnormalities of, or diseaseaffected cardiac valve(s). The diagnosis of the valve abnormality must be supported by an echocardiography and the realization of surgery has to be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited to, balloon valvotomy/valvuloplasty are excluded. Other Terms & Conditions: Service tax on premiums will be payable as per the applicable tax laws. Premium due dates will be the same dates as for the base plan. If a due premium is not paid within the grace period, the rider will lapse The lapsed rider may be reinstated as per the terms and conditions applicable to reinstatement of the base plan to which it is attached and the reinstatement happens along with the base plan. Reinstatement period is 2 years from the date of first unpaid premium. If the rider is not reinstated alongwith the base Policy, then reinstatement of rider is not allowed at a later stage. However, a new rider can be added. Sum Assured cannot be changed during the term of the rider. Waiting Period There is a waiting period of 180 days waiting period for benefits under Group 1 and 1 year for benefits under Group 2. Exclusions Malignant Cancer of the Female Organs Carcinoma-in-situ or tumours histologically described as pre-malignant or non-invasive including but not limited to carcinoma-in-situ of the breasts, Cervical Dysplasia: CIN-1, CIN-2 and CIN-3; vaginal intra-epithelial neoplasia (VAIN) & Vulvar intraepithelial neoplasia (VIN) All tumours and cancers in the presence of HIV infection or conditions due to any Acquired Immune Deficiency Syndrome (AIDS) All tumours that have metastasized from organs other than the breast, fallopian tube, cervix, ovarian, uterus, vagina and vulva. Birth of child with Congenital Disorders/Surgeries: Benefit will not be payable for children born before

the policy is taken or within 1 year of policy commencement. Birth of child with congenital disorder or complication arising when life assured is a carrier of surrogacy pregnancy is not covered. Benefit is payable on surgery before age of 18 yrs for the child subject to policy being in force. Age of the life assured at delivery of the child should not be more than 40 years to avail this benefit. Benefit will not be applicable on adoption of child or child born from a surrogate mother Pregnancy Complications: Benefit will not be payable within 1 yr of Policy commencement Any disseminated intravascular coagulation arising during the first 7 months of pregnancy will not be covered Age of the Life Assured should not be more than 40 years to avail this benefit. Any complication arising from surrogacy or fertility treatment including in-vitro fertilizations. ASSIGNMENT AND NOMINATION Assignment: Allowed as per section 38 of the Insurance Act 1938 as amended from time to time Nomination: Allowed as per section 39 of the Insurance Act 1938 as amended from time to time Prohibition of Rebates Section 41 of the Insurance Act, 1938 (as amended from time to time) states: 1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. 2) Any person making default in complying with the provision of this section shall be punishable with fine, which may extend to Rs. 10 Lakh. Non-Disclosure Section 45 of the Insurance Act, 1938 (as amended from time to time) states: 1) No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from the date of date of policy i.e. from the date of issuance of policy or the date of commencement of risk or the date of revival of policy or the date of rider to the policy, whichever is later. 2) On the ground of fraud, a policy of Life Insurance may be called in question at any time within 3 years from the date of issuance of policy or the date of commencement of risk or the date of revival of policy or the date of rider to the policy, whichever is later. For this, the insurer shall have to communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based. For full texts of Section 38, Section 39 and Section 45, please refer to the Insurance Act, 1938 (as amended from time to time). Disclaimer This product brochure should be read along with

the benefit Illustration. The brochure is not a contract of insurance. The precise terms and conditions of this plan are specified in the policy contract. This product is underwritten by Aegon Life Insurance Company Ltd. Sub-standard lives may be charged extra premiums as per the insurer s underwriting policy Insurance is the subject matter of the solicitation Insurance cover is available under this product ABOUT AEGON LIFE INSURANCE Aegon Life Insurance Company Limited (formerly AEGON Religare Life Insurance Company Limited) launched its pan-india operations in July, 2008 following a multi-channel distribution strategy with a vision to help people plan their life better. The fulfillment of this vision is based upon having a complete product suite, providing customised advice and enhancing the overall customer experience. Aegon, an international provider of life insurance, pensions and asset management and Bennett, Coleman & Company, India's leading media conglomerate, have come together to launch Aegon Life Insurance. This joint venture adopts a local approach with the power of global expertise to launch products that are focused on providing customers with the means to meeting their long-terms financial goals. The company is headquartered in Mumbai having 53 branches across 46 cities. The company has around 9600 life insurance agents serving over 4 lakh customers across India. Aegon's leading market, it operates under the Transamerica brand. Today, Aegon is one of the world's leading financial services organizations, providing life insurance, pensions and asset management. Aegon never loses sight of its purpose to help its customers secure their long-term financial future. With around 28,000 employees, it has 635 billion Euros of revenue-generating investments. ABOUT BENNETT, COLEMAN & COMPANY LIMITED The Times Group is one of the leading media conglomerate in India having presence in print, radio, TV, outdoor media and the internet through Bennett, Coleman and Company Limited (BCCL) and its subsidiaries. The Times of India, the flagship brand of the company, is the number 1 English newspaper in India and the World by circulation. With a turnover exceeding a billion dollars, the group has the support of over 25,000 advertisers, 11,000 employees and an audience spanning across all continents. ABOUT AEGON Aegon's roots go back 170 years to the first half of the nineteenth century. Since then, Aegon has grown into an international company, with businesses in more than 20 countries in the Americas, Europe and Asia. In the US,

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. Product Name: Aegon Life Women CI Rider Plan, UIN 138B005V02 This is a non-linked non-participating term insurance plan For more details: Call (Toll Free) 1800 209 9090 www.aegonlife.com Trade logo displayed belongs to M/s Aegon N.V. and M/s Bennett, Coleman and Co. Ltd. and used by Aegon Life Insurance Co. Ltd. under trade agreement. Registered Office: Aegon Life Insurance Company Ltd., IRDAI Company Registration No. 138 Corporate Identity No. : U 66010MH2007PLC169110 Building No. 3, Third floor, Unit No. 1, NESCO IT Park, Western Express Highway,Goregaon (E), Mumbai 400 063. Tel: +91 22 6118 0100, Fax: 02261180200 / 300, e-mail: customer.care@aegonlife.com Advt no. IC/Dec 2015/2881 V No. I /Dec 2015