Disclaimer:

¹Life cover is the benefit payable on death of the life assured during the policy term. For all plan options, Death Benefit is equal to:

• Sum Assured on Death, plus
• Balance in the Savings Wallet (if any), plus
• Interim Survival Benefit (if any), plus
• Terminal Bonus (if declared)

Where, the Sum Assured on Death is the highest of:

• 7 times the Annualised Premium
• 105% of the Total Premiums Paid as on the Date of Death
• Death Benefit multiple times Annualised Premium

²Bonus: Bonuses will be applied through the simple bonus method. Cash Bonuses may be declared annually throughout the policy term for all three variants and will be expressed as a proportion of the Annualized Premium. For a new policy sold with Date of Commencement of Risk on or after April 1 in any financial year, there may not be any Cash Bonus rate declared for such policies when the Survival Benefit becomes due to be paid. In such circumstances, the Company may pay a fixed cash income benefit in lieu of Cash Bonus. This fixed cash income benefit will be based on a non-participating Cash Income rate (declared by the Company annually in advance) and once declared shall remain guaranteed to be paid as part of Survival Benefit as and when it is due. Such payments in the form of fixed benefit shall continue till a Cash Bonus rate (as applicable for the policy) is declared and the Cash Bonus benefit, if declared, becomes payable at the next benefit due date. A separate Terminal Bonus may be declared under each variant, and will be payable on death, surrender and maturity, respectively, for a premium paying or a fully paid policy. Please refer to the sales brochure for more details.