life insurance

wealth creation with

long time protection
get upto 250%
of the first year
premium back

Bharti AXA Life

Aspire Life PLUS
s

s ne
A

pe e li
r new IRDA guid
In this policy, the investment risk in the investment portfolio is borne by the
policyholder
œÜÊ …>À̈Ê
8
ʈviʘÃÕÀ>˜ViÊ}ˆÛiÃÊޜÕʍÕÃÌÊ̅iÊÀˆ}…ÌÊ*œˆVÞÊ̅>ÌÊ܈Ê…i«ÊޜÕʓ>ŽiÊ>Ê
your aspirations come true. You can now make big plans for the future, reassured with
the knowledge that your investments are creating a pool of wealth that will ensure a
secure future for you and help realize your dreams.
What is Bharti AXA Life AspireLife PLUS?

ëˆÀiˆviÊ *1-Ê ‡Ê
Ê Õ˜ˆµÕiÊ «Àœ`ÕVÌÊ Ü…ˆV…Ê ˜œÌÊ œ˜ÞÊ œvviÀÃÊ Õ«Ê ÌœÊ Óxä¯Ê œvÊ ÞœÕÀÊ >˜˜Õ>Ê
premium, in case the market returns are better, you will get 7% of the average fund value.
Now you can reach what you aspire for.
What are your advantages with Bharti AXA Life AspireLife PLUS?
£°Ê iÌÊL>VŽÊÕ«Ê̜ÊÓxä¯ÊœvÊޜÕÀÊ>˜˜Õ>Ê«Ài“ˆÕ“ÊœÀÊ-«iVˆ>Ê
``ˆÌˆœ˜ÃÊ܅ˆV…iÛiÀʈÃʅˆ}…iÀÊ
>ÃÊÕ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜°
Ó°Ê 9œÕʅ>ÛiÊ̅iʜ«Ìˆœ˜Ê̜ÊV…œœÃiÊ̅iÊÞi>Àʈ˜Ê܅ˆV…Ê̅iÊÕ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜Ê܈Ê
be paid
Î°Ê 9œÕʅ>ÛiÊ̅iʜ«Ìˆœ˜Êœvʈ˜ÛiÃ̈˜}Ê>VÀœÃÃÊÈÊv՘`Ã]Ê`i«i˜`ˆ˜}ÊÕ«œ˜ÊޜÕÀÊÀˆÃŽÊ>««ïÌiÊ
and return expectation and you can make use of the switch facility to change your
asset allocation.
{°Ê9œÕÊ>ÃœÊ…>ÛiÊ̅iÊvœœÜˆ˜}Êvi݈LˆˆÌˆiÃʈ˜ÊޜÕÀÊ*œˆVÞ°
Ê >°Ê i݈LˆˆÌÞʜvÊ«>À̈>Ê܈̅`À>Ü>Æ
b. Cover Continuance, in case of discontinuance of premium;
Ê V°Ê -܈ÌV…Ê>“œ˜}ʈ˜ÛiÃ̓i˜ÌÊv՘`ÃÆ
d. Redirect your future premium into different investment funds.
5. Tax benefits for premium paid and benefits received, as per the prevailing tax laws.
How does AspireLife PLUS work?
Higher of

i݈LˆˆÌÞʈ˜Ê "«Ìˆœ˜Ê£Ê‡Ê 200% of 7% of

-iiVÌÊ«>ޜÕÌ annual ", avg. fund *>ˆ`ʈ˜Ê
choosing the 20th Year
year as 20 premium value
At payout year
inception of ",
Õ>À>˜Ìii`Ê "«Ìˆœ˜ÊÓÊ‡Ê 250% of 7% of
-«iVˆ>Ê *>ˆ`ʈ˜Ê
-iiVÌÊ«>ޜÕÌ annual ", avg. fund
Addition 25th Year
year as 25 premium value

Benefits of Bharti AXA Life AspireLife PLUS

Life Insurance Benefit:
The Sum Assured is 10(ten) times the Annual premium paid by you.
£®Ê˜Ê̅iÊ՘vœÀÌ՘>ÌiÊiÛi˜ÌʜvÊ`i>̅ʜvÊ̅iʈviʈ˜ÃÕÀi`Ê`ÕÀˆ˜}Ê̅iÊvˆÀÃÌÊ«œˆVÞÊÞi>ÀÊ̅iÊ
-ՓÊ
ÃÃÕÀi`Ê՘`iÀÊ̅iÊ*œˆVÞÊÅ>ÊLiÊ«>Þ>Li°
ӮʘÊ̅iÊ՘vœÀÌ՘>ÌiÊiÛi˜ÌʜvÊ`i>̅ʜvÊ̅iʈviʈ˜ÃÕÀi`Ê>vÌiÀÊvˆÀÃÌÊ«œˆVÞÊÞi>À]Ê`ÕÀˆ˜}Ê̅iÊ
policy term, the following shall be payable:
 Incase of -ՓÊ
ÃÃÕÀi`Ê՘`iÀÊ̅iÊ*œˆVÞÊ *œˆVÞÊ՘`Ê
"«Ìˆœ˜Ê£ (net of par tial withdrawals made Value plus
vÀœ“Ê*œˆVÞÊ՘`Ê6>Õiʈ˜Ê̅iÊ£ÓÊ 200% of Annual
ivœÀiÊ months prior to death) *Ài“ˆÕ“
Õ>À>˜Ìii`Ê Incase of -ՓÊ
ÃÃÕÀi`Ê՘`iÀÊ̅iÊ*œˆVÞÊ *œˆVÞÊ՘`Ê
-«iVˆ>Ê
``ˆÌˆœ˜Ê "«Ìˆœ˜ÊÓ (net of par tial withdrawals made Value plus 250%
is payable vÀœ“Ê*œˆVÞÊ՘`Ê6>Õiʈ˜Ê̅iÊ£ÓÊ of Annual
months prior to death) *Ài“ˆÕ“
-ՓÊ
ÃÃÕÀi`Ê՘`iÀÊ̅iÊ*œˆVÞÊ

vÌiÀÊÕ>À>˜Ìii`Ê
œÀÊLœÌ…Ê (net of par tial withdrawals made *œˆVÞÊ՘`Ê
-«iVˆ>Ê
``ˆÌˆœ˜Ê
"«Ìˆœ˜Ã vÀœ“Ê*œˆVÞÊ՘`Ê6>Õiʈ˜Ê̅iÊ£ÓÊ Value
is paid
months prior to death)
Maturity benefit:
"˜Ê“>ÌÕÀˆÌÞʜvÊ̅iÊ*œˆVÞ]ÊޜÕÊ܈Ê}iÌÊ̅iÊ*œˆVÞÊ՘`Ê6>Õi
Extended maturity benefit with Settlement option: You may want to take advantage of
…>À̈Ê
8
ʈvi½ÃÊv՘`ʓ>˜>}i“i˜ÌÊiÝ«iÀ̈ÃiÊiÛi˜Ê>vÌiÀʓ>ÌÕÀˆÌÞʜvÊޜÕÀÊ«œˆVÞ°Ê9œÕÊV>˜Ê
avail any of following options at maturity:
°Ê />ŽiÊi˜ÌˆÀiʓ>ÌÕÀˆÌÞÊ«ÀœVii`ÃÊ>ÃÊՓ«ÊÃՓʫ>ޓi˜Ìʜ˜Ê“>ÌÕÀˆÌÞÆʜÀ
°Ê />ŽiÊ Ì…iÊ “>ÌÕÀˆÌÞÊ «ÀœVii`ÃÊ ­*œˆVÞÊ ՘`Ê 6>Õi®Ê >ÌÊ Ài}Տ>ÀÊ ˆ˜ÌiÀÛ>ÃÊ ˆ˜Ê ˆ˜ÃÌ>“i˜ÌÃÊ
over 5 years after the maturity date (extended maturity period). The value payable at
ÃÕV…ʈ˜ÌiÀÛ>ÃÊ܈ÊLiÊV>VՏ>Ìi`Ê>ÌÊ̅iÊ1˜ˆÌÊ*ÀˆViÊ>Ãʜ˜Ê̅iÊÀiiÛ>˜ÌÊ`>Ìi°Ê
III. A combination of the above mentioned two options.
At any time during the extended maturity period, you have an option to withdraw the
L>>˜ViÊ>Û>ˆ>LiÊ*œˆVÞÊ՘`Ê6>ÕiÊ>Ãʜ˜Ê̅>ÌÊ`>Ìi°ÊœÜiÛiÀ]ÊޜÕÊ܈Ê˜œÌÊLiÊi˜ÌˆÌi`Ê̜Ê
life insurance benefit or partial withdrawals/switches between investment funds or top
ups during this period.
Please note that during the Extended Maturity Period, the investment risk in the
investment portfolio continues to be borne by the Policyholder.
Guaranteed Special Addition (GSA):

Ìʈ˜Vi«Ìˆœ˜ÊœvÊ̅iÊ*œˆVÞ]ÊޜÕʅ>ÛiÊ̅iʜ«Ìˆœ˜ÊœvÊÃiiV̈˜}Ê̅iÊ«>ޜÕÌÊÞi>Àʈ˜Ê܅ˆV…Ê̅iÊ
Õ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜Ê­-
®Ê܈ÊLiÊVÀi`ˆÌi`Ê̜Ê̅iʈ˜ÛiÃ̓i˜ÌÊv՘`]ÊÃÕLiVÌÊ̜Ê̅iÊ
*œˆVÞÊLiˆ˜}ʈ˜ÊvœÀVi°Ê/…iÃiʜ«Ìˆœ˜ÃÊ>Ài\
-
Ê«>ޜÕÌÊ"«Ìˆœ˜Ê *œˆVÞÊ9i>Àʈ˜Ê܅ˆV…Ê-
Ê܈ÊLiÊVÀi`ˆÌi`Ê̜Ê̅i
investment fund
"«Ìˆœ˜Ê£Ê ˜`ʜvÊÓä̅Ê9i>À
"«Ìˆœ˜ÊÓÊ ˜`ʜvÊÓx̅Ê9i>À
/…ˆÃÊ «>ޜÕÌÊ œ«Ìˆœ˜]Ê œ˜ViÊ V…œÃi˜Ê >ÌÊ Ì…iÊ ˆ˜Vi«Ìˆœ˜]Ê V>˜˜œÌÊ LiÊ >ÌiÀi`°Ê /…iÊ Õ>À>˜Ìii`Ê
-«iVˆ>Ê
``ˆÌˆœ˜Ê«>Þ>LiÊ܈ÊLiÊ>ÃÊŜܘʈ˜Ê̅iÊÌ>LiÊLiœÜ\
GSA Payout Guaranteed Special Addition (payable at the end of policy year)
Option chosen Higher of
"«Ìˆœ˜Ê£Ê Óää¯ÊœvÊvˆÀÃÌÊÞi>ÀÊ Ç¯ÊœvÊ̅iÊ
ÛiÀ>}i
Ê
˜˜Õ>Ê«Ài“ˆÕ“Ê *œˆVÞÊ՘`Ê6>Õi
"«Ìˆœ˜ÊÓÊ Óxä¯ÊœvÊvˆÀÃÌÊÞi>ÀÊ Ç¯ÊœvÊ̅iÊ
ÛiÀ>}i
Ê
˜˜Õ>Ê«Ài“ˆÕ“Ê *œˆVÞÊ՘`Ê6>Õi
/…iÊ
ÛiÀ>}iÊ*œˆVÞÊ՘`Ê6>ÕiʈÃÊiµÕ>Ê̜Ê̅iÊ>ÛiÀ>}iʜvÊ̅iÊ*œˆVÞÊ՘`Ê6>ÕiÊ>Ãʜ˜Ê̅iÊ
>ÃÌÊ`>ÌiʜvÊi>V…ÊœvÊ̅iÊ«ÀiVi`ˆ˜}ÊÎÈʓœ˜Ì…ð
*i>ÃiʘœÌiÊ̅>ÌÊޜÕʘii`Ê̜ÊV…œœÃiÊ̅iÊÕ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜Ê«>ޜÕÌÊÞi>ÀÊ>ÌÊ̅iÊ
ˆ˜Vi«Ìˆœ˜ÊœvÊ̅iÊ«œˆVÞʈÌÃiv°Ê œÊÕ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜ÊˆÃÊ«>Þ>Liʈ˜ÊV>ÃiÊ̅iÊ«œˆVÞÊ
ˆÃÊÃÕÀÀi˜`iÀi`ÊLivœÀiÊ̅iÊÕ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜Ê«>ޜÕÌÊÞi>À°
Choice of Investment funds: You have a choice of investing your premiums in any or all
of the six investment funds, as per your financial objective.
Investment Objective Asset Allocation Risk-Return
Fund Potential
ÀœÜ̅ÊÊ /œÊ«ÀœÛˆ`iʏœ˜}ÊÌiÀ“ÊV>«ˆÌ>Ê ˆÃÌi`Ê µÕˆÌˆiÃ\ÊÊÊ ˆ}…
"««œÀÌ՘ˆÌˆiÃÊ>««ÀiVˆ>̈œ˜Ê̅ÀœÕ}…ʈ˜ÛiÃ̈˜}Ê nä¯Ê‡Ê£ää¯]
*ÕÃÊ՘`ÊÊ ˆ˜ÊÃ̜VŽÃÊ>VÀœÃÃÊ>Ê“>ÀŽiÌÊÊ
>ÅÊEÊœ˜iÞÊ>ÀŽiÌÊ
Ê V>«ˆÌ>ˆâ>̈œ˜ÊÀ>˜}iÃÊ­>À}i]Ê -iVÕÀˆÌˆiÃ: 0% - 40%
Mid or small)
ÀœÜÊœ˜iÞÊ /œÊ«ÀœÛˆ`iʏœ˜}ÊÌiÀ“ÊV>«ˆÌ>Ê ˆÃÌi`Ê µÕˆÌˆiÃ\Ê ˆ}…ÊÊ
*ÕÃÊ՘`ÊÊ >««ÀiVˆ>̈œ˜Ê̅ÀœÕ}…ʈ˜ÛiÃ̈˜}ÊÊ nä¯Ê‡Ê£ää¯]
Ê >VÀœÃÃÊ>Ê`ˆÛiÀÈvˆi`ʅˆ}…Ê
>ÅÊEÊœ˜iÞÊ>ÀŽiÌÊ
Ê µÕ>ˆÌÞÊiµÕˆÌÞÊ«œÀÌvœˆœÊÊÊ -iVÕÀˆÌˆiÃ\Êä¯Ê‡{ä¯
Ո`ʘ`ˆ>ÊÊ /œÊ«ÀœÛˆ`iʏœ˜}ÊÌiÀ“ÊV>«ˆÌ>ÊÊÊÊÊ ˆÃÌi`Ê µÕˆÌˆiÃ\ÊÊ ˆ}…
՘`Ê >««ÀiVˆ>̈œ˜]Ê̅ÀœÕ}…ÊiÝ«œÃÕÀiÊ nä¯Ê‡Ê£ää¯]
to equity investments inÊ
œÀ«œÀ>ÌiÊ œ˜`ÃÊ>˜`Ê >˜Ž
Infrastructure and allied sectors, deposits: 0% - 20%;
Ê >˜`ÊLÞÊ`ˆÛiÀÈvވ˜}ʈ˜ÛiÃ̓i˜ÌÃÊÊ
>ÅÊEÊœ˜iÞÊ>ÀŽiÌÊ
across various sub-sectors of -iVÕÀˆÌˆiÃ: 0% - 20%
the infrastructure sector
->Ûi½˜½}ÀœÜÊÊ /œÊ«ÀœÛˆ`iÊÃÌi>`ÞÊ>VVՓՏ>̈œ˜Ê ˆÃÌi`Ê µÕˆÌˆiÃ\Êä¯Ê‡ÊÈä¯]Ê œ`iÀ>Ìi
Money of income in medium to long Corporate bonds and bank
՘`Ê ÌiÀ“ÊLÞʈ˜ÛiÃ̈˜}ʈ˜Ê…ˆ}…ʵÕ>ˆÌÞÊ `i«œÃˆÌÃ\Êä¯Ê‡Êxä¯]
Ê `iLÌÊ«>«iÀÃÊ>˜`Ê}œÛiÀ˜“i˜ÌÊ œÛiÀ˜“i˜ÌÊLœ˜`ÃÊ>˜`ÊÊ
securities and a limited securities: 0% -40%,
Ê œ««œÀÌ՘ˆÌÞʜvÊV>«ˆÌ>ÊÊ
>ÅÊEÊœ˜iÞÊ>ÀŽiÌÊÊ
appreciation. This would be more -iVÕÀˆÌˆiÃ: 0% -40%
of a defensively managed fund
-Ìi>`ÞÊœ˜iÞÊ /œÊ«ÀœÛˆ`iÊÃÌi>`ÞÊ>VVՓՏ>̈œ˜Ê
œÀ«œÀ>ÌiÊLœ˜`ÃÊ>˜`ÊL>˜ŽÊ œÜÊ
՘`Ê œvʈ˜Vœ“iʈ˜Ê“i`ˆÕ“Ê̜ʏœ˜}Ê `i«œÃˆÌÃ\ÊÓä¯Ê‡Ênä¯]
Ê ÌiÀ“ÊLÞʈ˜ÛiÃ̈˜}ʈ˜Ê…ˆ}…ʵÕ>ˆÌÞÊ œÛiÀ˜“i˜ÌÊLœ˜`ÃÊ>˜`
debt papers and government securities: 20% -80%,
Ê ÃiVÕÀˆÌˆiÃÊÊ
>ÅÊEÊœ˜iÞÊ>ÀŽiÌÊ
-iVÕÀˆÌˆiÃ\Ê0% -40%
->viÊœ˜iÞÊ /œÊ«ÀœÛˆ`iÊV>«ˆÌ>Ê«ÀœÌiV̈œ˜Ê
œÀ«œÀ>ÌiÊLœ˜`ÃÊ>˜`ÊL>˜ŽÊ œÜÊ
՘`Ê Ì…ÀœÕ}…ʈ˜ÛiÃ̓i˜ÌÃʈ˜ÊœÜ‡ÀˆÃŽÊÊ `i«œÃˆÌÃ\Êä¯Ê‡ÊÈä¯]
Ê “œ˜iއ“>ÀŽiÌÊEÊŜÀ̇ÌiÀ“Ê`iLÌÊ œÛiÀ˜“i˜ÌÊLœ˜`ÃÊ>˜`
Ê ˆ˜ÃÌÀՓi˜ÌÃÊ܈̅ʓ>ÌÕÀˆÌÞʜvÊÊ ÃiVÕÀˆÌˆiÃ\Ê䯇Èä¯]
Ê £ÊÞi>ÀʜÀʏiÃÃiÀÊ
>ÅÊEÊœ˜iÞÊ>ÀŽiÌÊ
-iVÕÀˆÌˆiÃ\Ê0% -40%
Manage your investments with Switch and Premium Redirection facility: Through the
vi>ÌÕÀiÊ œvÊ Ã܈ÌV…iÃÊ EÊ «Ài“ˆÕ“Ê Ài`ˆÀiV̈œ˜Ê ޜÕÊ V>˜Ê “>˜>}iÊ ÞœÕÀÊ >ÃÃiÌÊ >œV>̈œ˜Ê
LiÌÜii˜ÊiµÕˆÌÞÊEÊ`iLÌÊ`i«i˜`ˆ˜}ʜ˜ÊޜÕÀʘii`ðÊœÀÊiÝ>“«iÊޜÕʓ>ÞÊ܈ÅÊ̜ʓœÛiÊޜÕÀÊ
money to a low-risk investment fund option before maturity of the policy to protect
against adverse movements in equity markets.
You can switch 12 times in a policy year free of charge, beyond which a charge of Rs.100
per switch is levied. The minimum value of a switch should be Rs 1,000.
You can also redirect your future premiums after first policy year into different funds with
*Ài“ˆÕ“Ê ,i`ˆÀiV̈œ˜Ê v>VˆˆÌÞ°Ê /…ˆÃÊ v>VˆˆÌÞÊ V>˜Ê LiÊ >Û>ˆi`Ê >˜ÞÊ ˜Õ“LiÀÊ œvÊ Ìˆ“iÃÊ vÀiiÊ œvÊ
charge. The minimum allocation in any chosen investment fund should be 5%. The
change will be effective from the next premium due date.
Top up premiums: You can invest a bonus received from your employer or profits earned
from your business or any other surplus in your existing investments to achieve your
financial goals faster.
With the Top up option, you can boost your contribution anytime after the first policy year.
The minimum amount of a single top up is Rs. 1,000. The total amount of top up in a policy
year cannot be more than 25% of total annualized regular premiums paid till that date.
/œ«ÊÕ«Ê«Ài“ˆÕ“Ê…>ÃʘœÊivviVÌʜ˜ÊޜÕÀÊ-ՓÊ
ÃÃÕÀi`°Ê
Liquidity benefit with partial withdrawal:
7iÊ>Ê˜ii`ʓœ˜iÞÊ`ÕÀˆ˜}ʜÕÀʏˆvï“iÊ̜ÊvՏvˆÊViÀÌ>ˆ˜Ê}œ>Ã°ÊÀœ“Ê̈“iÊ̜Ê̈“i]ÊޜÕʓ>ÞÊ
need money for any urgent need.
9œÕÊV>˜Ê܈̅`À>Üʓœ˜iÞÊvÀœ“ÊޜÕÀÊ*œˆVÞÊ՘`Ê6>ÕiÊ>˜Þ̈“iÊ>vÌiÀÊVœ“«ïœ˜ÊœvÊ̅ÀiiÊ«œˆVÞÊ
years. Each partial withdrawal should be a minimum of Rs. 1, 000 and maximum withdrawal
>“œÕ˜ÌÊŜՏ`ʘœÌÊLiʓœÀiÊ̅>˜ÊÓä¯ÊœvÊ̅iÊ*œˆVÞÊ՘`Ê6>Õiʈ˜Ê>Ê*œˆVÞÊ9i>À°Ê"˜ÞÊÌܜÊ
«>À̈>Ê܈̅`À>Ü>ÃÊ>ÀiÊ>œÜi`ʈ˜Ê>Ê*œˆVÞÊ9i>À]Ê܅ˆV…Ê>ÀiÊvÀiiʜvÊV…>À}i°Ê/…iʓˆ˜ˆ“Õ“Êv՘`Ê
value after partial withdrawal should not be less than 120% of annual premium.
Cover Continuance Option: While we recommend that all your premiums be paid on the
respective due dates, we also understand that due to sudden changes in lifestyle like
increased responsibilities or unexpected increase in household expenses may affect
your future ability to pay premiums.
Now you need not worry if you are unable to pay premiums into your policy. The cover
Vœ˜Ìˆ˜Õ>˜Viʜ«Ìˆœ˜Êi˜ÌˆÌiÃÊޜÕÊ̜ÊVœ˜Ìˆ˜ÕiÊޜÕÀÊ*œˆVÞÊ܈̅Ê>ÊLi˜ivˆÌÃʈvÊޜÕÊ>ÀiÊ՘>LiÊ
̜ʫ>ÞÊ«Ài“ˆÕ“ÃÊ>vÌiÀÊ«>ވ˜}ÊvˆÛiÊ
˜˜Õ>Ê*Ài“ˆÕ“ðÊ"˜ViÊޜÕʅ>Ûiʜ«Ìi`ÊvœÀÊ̅ˆÃʜ«Ìˆœ˜]Ê
ޜÕÊV>˜˜œÌÊ«>ÞÊ>˜ÞÊvÕÀ̅iÀÊ«Ài“ˆÕ“ÃʜÀÊ̜«ÊÕ«ÃÊ՘`iÀÊ̅iÊ*œˆVÞ°Ê
What are the applicable charges in this product?
Premium allocation charge: This charge is levied as per the following table pertaining to
̅iÊÀiëiV̈ÛiÊ*œˆVÞÊ9i>À°Ê
Policy year % of Annual Premium
1 100%
2 5%
3 5%
4 5%
5 5%
Ê È³Ê ä¯
/œ«ÊÕ«Ê«Ài“ˆÕ“ÃÊ>ÀiÊÃÕLiVÌÊ̜Ê>˜Ê>œV>̈œ˜ÊV…>À}iʜvÊ£°x䯰Ê-iÀۈViÊÌ>Ýʈ˜VÕ`ˆ˜}ÊViÃÃÊ
>˜`ÊÃÕÀV…>À}iÊ>ÃÊ«iÀÊ«ÀiÛ>ˆˆ˜}ÊÀ>ÌiÃ]Ê܈ÊLiÊ>««ˆV>Liʜ˜Ê>ÊV…>À}iÃʈ˜Ê̅iÊvˆÀÃÌÊ*œˆVÞÊ
Þi>ÀÊ>˜`Ê܈ÊLiÊ`i`ÕVÌi`ÊvÀœ“Ê̅iÊ*œˆVÞÊ՘`Ê6>Õiʈ˜Ê̅iÊÃiVœ˜`Ê*œˆVÞÊÞi>ÀÊ­vœÀʓœ˜Ì…ÞÊ
“œ`iʜvÊ«Ài“ˆÕ“Ê«>ޓi˜ÌÊ̅iÊ`i`ÕV̈œ˜Ê܈ÊLiʓ>`iʈ˜Ê̅iÊ£Î̅Ê>˜`Ê£{̅Ê*œˆVÞʓœ˜Ì…Ê
>˜`ÊvœÀÊ>ÊœÌ…iÀʓœ`iÃÊ̅iÊ`i`ÕV̈œ˜ÃÊ܈ÊLiʓ>`iʈ˜Ê̅iÊ£Î̅Ê*œˆVÞʓœ˜Ì…®°
Mortality Charge: This charge is levied to provide you the life insurance benefit. This
V…>À}iʈÃÊ>««ˆi`ʜ˜Ê̅iÊ-ՓÊ>ÌÊ,ˆÃŽÊ­>ÃÊ`ivˆ˜i`ÊLiœÜ®Ê>˜`ʈÃÊ`i`ÕVÌi`Ê«Àœ«œÀ̈œ˜>ÌiÞÊ
by cancellation of units on a monthly basis.
-ՓÊ>ÌÊ,ˆÃŽÊˆÃÊ`ivˆ˜i`Ê>ÃÊ̅iÊiÝViÃÃʜvÊ-ՓÊ
ÃÃÕÀi`ʜÛiÀÊ*œˆVÞÊ՘`Ê6>ÕiÊ>Ãʜ˜Ê̅iÊ
VœÀÀi뜘`ˆ˜}Ê*œˆVÞÊ>Ìiʈ˜Ê̅iÊ*œˆVÞÊœ˜Ì…°

˜˜Õ>ÊœÀÌ>ˆÌÞÊ
…>À}iÊ«iÀÊ̅œÕÃ>˜`ʜvÊ-ՓÊ>ÌÊ,ˆÃŽÊvœÀÊÃ>“«iÊ>}iÃʜvʅi>Ì…ÞʏˆÛiÃʈÃÊ
as follows:
Gender/Age (in years) 30 35 40 50
>iÊ £°{äÊ £°ÇÓÊ Ó°xnÊ È°È{
Ê i“>iÊ £°{äÊ £°{ÇÊ £°™™Ê {°n{

Policy Administration Charge: This charge is deducted by cancellation of units from the
«œˆVÞÊv՘`ÊÛ>Õiʜ˜Ê>ʓœ˜Ì…ÞÊL>ÈðÊ/…iÊV…>À}iʈÃÊ,ðÊÈÎÊ«iÀʓœ˜Ì…]Ê܅ˆV…ʈÃÊV…>À}i`Ê
from second year onwards. This charge will increase by 5%p.a. compounded annually. No
*œˆVÞÊ
`“ˆ˜ˆÃÌÀ>̈œ˜Ê
…>À}iʈÃʏiۈi`ʈ˜Ê̅iÊvˆÀÃÌÊ*œˆVÞÊ9i>À°Ê
Fund Management Charge: This is a charge that is levied on each of the Investment
՘`ÃÊ>˜`ʈÃÊ>`ÕÃÌi`ʈ˜Ê̅iÊ՘ˆÌÊ«ÀˆViÊV>VՏ>̈œ˜Êœ˜Ê>Ê`>ˆÞÊL>ÈðÊ/…iÊV…>À}iÃÊvœÀÊ̅iÊ
funds are as follows:
Fund Name Annual Rate
ÀœÜ̅Ê"««œÀÌ՘ˆÌˆiÃÊ*ÕÃÊ՘`Ê £°Îx¯
Ո`ʘ`ˆ>Ê՘`Ê £°Îx¯
ÀœÜÊœ˜iÞÊ*ÕÃÊ՘`Ê £°Îx¯
->Ûi¼˜½}ÀœÜÊœ˜iÞÊ՘`Ê £°Óx¯
-Ìi>`ÞÊœ˜iÞÊ՘`Ê £°ää¯
->viÊœ˜iÞÊ՘`Ê £°ää¯
Surrender Charges: /…iÊ-ÕÀÀi˜`iÀÊ
…>À}iʈÃÊ>««ˆi`Ê܅i˜ÊޜÕÊÃÕÀÀi˜`iÀÊޜÕÀÊ«œˆVÞ°Ê/…iÊ
-ÕÀÀi˜`iÀÊ6>ÕiÊ̅>ÌÊޜÕÊ܈ÊÀiViˆÛiÊ܈ÊLiÊ̅iÊ«œˆVÞÊv՘`ÊÛ>ÕiʏiÃÃÊ̅ˆÃÊV…>À}i°Ê/…iÊ
surrender charges for the first policy year is applicable on the annual premium, while the
surrender charge after the first policy year is applicable on the policy fund value and are
as follows:
UÊ-ÕÀÀi˜`iÀÊ
…>À}iʈvÊ*œˆVÞʈÃÊÃÕÀÀi˜`iÀi`ʈ˜Ê̅iÊvˆÀÃÌÊ*œˆVÞÊ9i>À

Complete Policy Years for which Surrender Charge as a

premiums have been paid percentage of annual premium
iÃÃÊ̅>˜Êœ˜iÊÞi>ÀÊ £ää¯
Ê "˜iÊÞi>ÀÊ ™x¯
-ÕÀÀi˜`iÀÊ
…>À}iʈvÊ*œˆVÞʈÃÊÃÕÀÀi˜`iÀi`Ê>vÌiÀÊvˆÀÃÌÊ*œˆVÞÊ9i>À
Policy Year Surrender Charge as a
percentage of Policy Fund Value
2nd year 40%
3rd year 20%
4th year 10%
5th year 5%
Ê È̅ÊÞi>Àʜ˜Ü>À`ÃÊ ä¯
*i>ÃiÊ œÌiÊ Ì…>ÌÊ œÊ Õ>À>˜Ìii`Ê -«iVˆ>Ê
``ˆÌˆœ˜Ê ˆÃÊ «>Þ>LiÊ ˆ˜Ê V>ÃiÊ Ì…iÊ «œˆVÞÊ ˆÃÊ
ÃÕÀÀi˜`iÀi`ÊLivœÀiÊ̅iÊ«>ޓi˜ÌʜvÊÕ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜
vÊ*œˆVÞʈÃÊÃÕÀÀi˜`iÀi`Ê܈̅ˆ˜ÊvˆÀÃÌÊ̅ÀiiÊ«œˆVÞÊÞi>ÀÃÊ̅i˜Ê̅iÊÃÕÀÀi˜`iÀÊÛ>ÕiÊ>Ãʜ˜Ê̅iÊ
date of intimation of surrender will be paid only after the completion of three policy years.
Service Tax & cess is applicable on all charges as per prevailing rates.
Product at a glance:
Basic Plan Minimum Maximum
Age at Entr y 0 years 55 years
Age at Maturity 25 years 80 years
-ՓÊ
ÃÃÕÀi`Ê Ê £nä]äääÊ œÊˆ“ˆÌ
*œˆVÞÊ/iÀ“Ê ÊÊÊÊÊÊÊÊÊÊÊÊÊ ÊÊÊÊÊÊÊÊÓxÊÞi>ÀÃ
*Ài“ˆÕ“Ê*>ޓi˜ÌÊœ`iÃÊÊ
˜˜Õ>]Ê-i“ˆ‡
˜˜Õ>]Ê+Õ>À ÌiÀÞIÊ>˜`Êœ˜Ì…ÞI
/œ«ÊÕ«Ê*Ài“ˆÕ“Ê Ê £]äääÊ Óx¯ÊœvÊ̜Ì>
annual premiums
paid till date
PremiumÊ 9i>ÀÞÊ £n]äääÊ œÊˆ“ˆÌ
Ê >v‡9i>ÀÞÊ ™]äääÊ œÊˆ“ˆÌ
Ê +Õ>À ÌiÀÞIÊ {]xääÊ œÊˆ“ˆÌ
Ê œ˜Ì…ÞIÊ £]xääÊ œÊˆ“ˆÌ
IÊ/…ÀœÕ}…Ê
-ʜ˜Þ
/…iÊvœœÜˆ˜}ÊÌ>LiÊŜÜÃÊ̅iÊLi˜ivˆÌʜvÊ …>À̈Ê
8
ʈviÊ
ëˆÀiˆviÊ*1-ÊvœÀÊ>ÊÎäÊÞi>Àʜ`Ê
Male paying a premium of Rs. 25,000 per annum for 25 years and opting for a
Õ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜Ê*>ޜÕÌÊÞi>ÀÊ>ÃÊ>ÌÊ̅iÊi˜`ʜvÊÓx̅ʫœˆVÞÊÞi>ÀÊ­"«Ìˆœ˜ÊÓ®°
Assumed Rate of Returns 6% 10%
-ՓÊ
ÃÃÕÀi`Ê­,ð®Ê ÊÊÊÊÊÊÊÊÊÊÊÊÓxä]äää
*œˆVÞÊ՘`Ê6>ÕiÊ>ÌÊ>ÌÕÀˆÌÞÊ­,ð®Ê £ä]™x]{Ó{Ê £™]Î{]ÇäÎ
Õ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜Ê­,ð®Êˆ˜Ê̅iÊÓx̅ʫœˆVÞÊÞi>ÀÊ Èx]ÇÓäÊ £]££]ÓÎÈ
IRR 4.13% 7.94%
/…ˆÃʈÕÃÌÀ>̈œ˜Ê`œiÃʘœÌÊÌ>Žiʈ˜ÌœÊ>VVœÕ˜ÌÊ̅iʈ“«>VÌʜvÊ-iÀۈViÊÌ>ÝÊ>˜`ÊViÃÃ
-œ“iÊLi˜ivˆÌÃÊ>ÀiÊ}Õ>À>˜Ìii`Ê>˜`ÊܓiÊLi˜ivˆÌÃÊ>ÀiÊÛ>Àˆ>LiÊ܈̅ÊÀiÌÕÀ˜ÃÊL>Ãi`ʜ˜Ê
the future per formance of your Insurer carr ying on life insurance business. If your
policy offers guaranteed returns then these will be clearly marked “guaranteed” in
the illustration table on this page. If your policy offers variable returns then the
illustration on this page will show two different rates of assumed future investment
returns. These assumed rates of return are not guaranteed and they are not the
upper or lower limits of what you might get back, as the value of your policy is
dependent on a number of factors including future investment per formance.”
What are the tax benefits under this product?
You can avail of the tax benefits on the premium paid and the benefits received as
«iÀÊ̅iÊ«ÀiÛ>ˆˆ˜}ÊÌ>Ýʏ>ÜÃÊ՘`iÀÊ-iV̈œ˜Ênä
Ê>˜`Ê-iV̈œ˜Ê£ä­£ä®ÊœvÊ̅iʘVœ“iÊ/>ÝÊ

VÌ]Ê £™È£°Ê /…iÊ Ì>ÝÊ Li˜ivˆÌÃÊ >ÀiÊ ÃÕLiVÌÊ ÌœÊ V…>˜}iÊ >ÃÊ «iÀÊ V…>˜}iÊ ˆ˜Ê Ì>ÝÊ >ÜÃÊ vÀœ“Ê
time to time.
Terms and conditions
£°Ê ˜Ê̅iÊiÛi˜ÌʜvÊ`i>̅ʜvÊ̅iʈviʘÃÕÀi`ÊLivœÀiÊ>ÌÌ>ˆ˜ˆ˜}Ê̅iÊ>}iʜvÊvˆÛiÊÞi>ÀÃ]ʜÀÊ
LivœÀiÊ̅iÊ*œˆVÞÊ
˜˜ˆÛiÀÃ>À ÞÊ
Death of the Death Benefit Payable
Life Insured
˜Ê̅iÊvˆÀÃÌÊ Óää¯ÊœÀÊÓxä¯ÊœvÊvˆÀÃÌÊÞi>ÀÊ
˜˜Õ>ˆÃi`Ê,i}Տ>ÀÊ*Ài“ˆÕ“
*œˆVÞÊ9i>ÀÊ `i«i˜`ˆ˜}ʜ˜Ê̅iÊ-
Ê*>ޜÕÌÊ"«Ìˆœ˜ÊV…œÃi˜ÊLÞÊ̅iÊ*œˆVޅœ`iÀÊ

vÌiÀÊ̅iÊvˆÀÃÌÊ *œˆVÞÊ՘`Ê6>ÕiÊ«ÕÃÊ̅iÊÕ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜Ê
*œˆVÞÊ9i>ÀÊ
2. If any premium due within the first three years of the policy remains unpaid even
after the grace period of 30 days, the policy lapses and all the benefits under the
policy ceases to exist. You can however, revive the policy by paying all the unpaid
premiums within a period of two years from the due date of the last unpaid
«Ài“ˆÕ“°Ê vÊ Ì…iÊ *œˆVÞÊ ˆÃÊ ˜œÌÊ Àiˆ˜ÃÌ>Ìi`Ê `ÕÀˆ˜}Ê Ì…iÊ ,iˆ˜ÃÌ>Ìi“i˜ÌÊ *iÀˆœ`]Ê Ì…iÊ
*œˆVÞÊ ÜˆÊ ÃÌ>˜`Ê ÌiÀ“ˆ˜>Ìi`Ê >˜`Ê Ì…iÊ *œˆVÞÊ ՘`Ê 6>ÕiÊ >ÃÊ >ÌÊ Ì…iÊ iÝ«ˆÀ ÞÊ œvÊ
,iˆ˜ÃÌ>Ìi“i˜ÌÊ *iÀˆœ`Ê ˜iÌÊ œvÊ -ÕÀÀi˜`iÀÊ
…>À}iÊ >ÃÊ œ˜Ê ̅iÊ >«ÃiÊ `>ÌiÊ Ã…>Ê LiÊ
«>Þ>LiÊ >ÌÊ Ì…iÊ Vœ“«ïœ˜Ê œvÊ Ì…iÊ Ì…ˆÀ`Ê *œˆVÞÊ 9i>ÀÊ œÀÊ >ÌÊ Ì…iÊ i˜`Ê œvÊ Ì…iÊ
,iˆ˜ÃÌ>Ìi“i˜ÌÊ*iÀˆœ`]Ê܅ˆV…iÛiÀʈÃʏ>ÌiÀ°
Î°Ê vÊ Ì…iÊ `ÕiÊ «Ài“ˆÕ“ÃÊ …>ÛiÊ Lii˜Ê «>ˆ`Ê vœÀÊ >̏i>ÃÌÊ Ì…ÀiiÊ Vœ˜ÃiVṎÛiÊ *œˆVÞÊ 9i>ÀÃÊ
vÀœ“Ê̅iÊ*œˆVÞÊ>ÌiÊ>˜`ÊÃÕLÃiµÕi˜ÌÊ«Ài“ˆÕ“ÃÊ>ÀiÊ՘«>ˆ`]Ê9œÕʓ>ÞÊÀiˆ˜ÃÌ>ÌiÊ̅iÊ
*œˆVÞÊ ÜˆÌ…ˆ˜Ê ÌÜœÊ Þi>ÀÃÊ vÀœ“Ê ̅iÊ `>ÌiÊ œvÊ vˆÀÃÌÊ Õ˜«>ˆ`Ê «Ài“ˆÕ“Ê LÞÊ ÀiÃՓˆ˜}Ê
premium payment by paying all the unpaid premiums and the appropriate
*Ài“ˆÕ“Ê
œV>̈œ˜Ê
…>À}iÊÅ>ÊLiÊ`i`ÕVÌi`ÊvÀœ“Ê̅iÊ>LœÛiʓi˜Ìˆœ˜i`Ê«>ޓi˜Ì°Ê
ÕÀˆ˜}Ê Ì…iÊ «iÀˆœ`Ê >œÜi`Ê vœÀÊ Àiˆ˜ÃÌ>Ìi“i˜Ì]Ê Ì…iÊ *œˆVÞÊ Ã…>Ê Vœ˜Ìˆ˜ÕiÊ ÌœÊ LiÊ ˆ˜Ê
ivviVÌÊLÞʏiÛވ˜}Ê>««ˆV>LiÊ*œˆVÞÊ
…>À}iðÊ
ÌÊ̅iÊi˜`ʜvÊ̅iÊ>œÜi`Ê«iÀˆœ`ÊvœÀÊ
Àiˆ˜ÃÌ>Ìi“i˜Ì]ʈvÊޜÕʅ>ÛiʘœÌʜ«Ìi`ÊvœÀÊÀiˆ˜ÃÌ>Ìi“i˜Ì]ʜ˜ÞÊ̅iÊ*œˆVÞÊ՘`Ê6>Õi]Ê
after deducting applicable surrender charges will be paid and the policy will
terminate. In an event of death during the reinstatement period, the death benefit
shall be paid out.
4. At anytime during the policy term, after completion of three policy years, if the
fund value falls below the 120% of annual premium, then the policy will be
ÌiÀ“ˆ˜>Ìi`Ê EÊ Ì…iÊ ÃÕÀÀi˜`iÀÊ Û>ÕiÊ ÜˆÊ LiÊ «>ˆ`Ê œÕÌ°Ê *i>ÃiÊ œÌiÊ Ì…>ÌÊ œÊ
Õ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜ÊˆÃÊ«>Þ>Liʈ˜Ê̅ˆÃÊV>Ãi°
x°Ê Õ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜Ê܈Ê˜œÌÊLiÊ«>ˆ`ʈvÊ̅iÊ*œˆVÞʈÃÊÃÕÀÀi˜`iÀi`ÊLivœÀiÊ
̅iÊ>VÌÕ>Ê«>ޜÕÌʜvÊ̅iÊÕ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜ÊœÀÊ̅iÊ«œˆVÞʅ>Ãʏ>«Ãi`°
È°Ê /…iÊÕ>À>˜Ìii`Ê-«iVˆ>Ê
``ˆÌˆœ˜Ê*>ޜÕÌÊ"«Ìˆœ˜ÊV…œÃi˜Ê>ÌÊ̅iÊVœ““i˜Vi“i˜ÌʜvÊ
̅iÊ*œˆVÞÊV>˜˜œÌÊLiÊV…>˜}i`°
Ç°Ê Àii‡œœŽÊ œ«Ìˆœ˜\‡Ê vÊ 9œÕÊ `ˆÃ>}ÀiiÊ ÜˆÌ…Ê >˜ÞÊ œvÊ Ì…iÊ ÌiÀ“ÃÊ >˜`Ê Vœ˜`ˆÌˆœ˜ÃÊ œvÊ Ì…iÊ
*œˆVÞ]Ê9œÕʅ>ÛiÊ̅iʜ«Ìˆœ˜Ê̜ÊÀiÌÕÀ˜Ê̅iʜÀˆ}ˆ˜>Ê*œˆVÞÊ œ˜`Ê>œ˜}Ê܈̅Ê>ʏiÌÌiÀÊ
ÃÌ>̈˜}Ê Ài>ܘÃÊ vœÀÊ Ì…iÊ œLiV̈œ˜Ê ܈̅ˆ˜Ê £xÊ `>ÞÃÊ œvÊ ÀiViˆ«ÌÊ œvÊ Ì…iÊ *œˆVÞÊ œ˜`Ê
­ºÌ…iÊvÀiiʏœœŽÊ«iÀˆœ`»®°Ê/…iÊ*œˆVÞÊ܈Ê>VVœÀ`ˆ˜}ÞÊLiÊV>˜Vii`Ê>˜`Ê>˜Ê>“œÕ˜ÌÊ
iµÕ>Ê ÌœÊ Ì…iÊ *Ài“ˆÕ“Ê ÀiViˆÛi`Ê iÃÃÊ ­ÃÌ>“«Ê `ÕÌÞÊ >˜`Ê Õ˜`iÀ ÜÀˆÌˆ˜}Ê iÝ«i˜ÃiÃÊ
ˆ˜VÕÀÀi`ÊLÞÊ/…iÊ
œ“«>˜Þ®Ê܈ÊLiÊÀiv՘`i`Ê̜Ê̅iÊ*œˆVޅœ`iÀ°Ê
Ê̅iÊÀˆ}…ÌÃÊ՘`iÀÊ
̅iÊ*œˆVÞÊÅ>ÊÃÌ>˜`ÊiÝ̈˜}ՈÅi`ʈ““i`ˆ>ÌiÞʜ˜Ê̅iÊV>˜Vi>̈œ˜ÊœvÊ̅iÊ*œˆVÞÊ
under the free look option.
n°Ê vÊ̅iʈviʘÃÕÀi`Ê՘`iÀÊ̅iÊ*œˆVÞ]Ê܅i̅iÀʓi`ˆV>ÞÊÃ>˜iʜÀʈ˜Ã>˜i]ÊVœ““ˆÌÃÊ
ÃՈVˆ`i]Ê ÜˆÌ…ˆ˜Ê œ˜iÊ Þi>ÀÊ œvÊ Ì…iÊ ÃÃÕiÊ >ÌiÊ Ì…iÊ *œˆVÞÊ Ã…>Ê LiÊ Ûœˆ`Ê >˜`Ê /…iÊ

œ“«>˜ÞÊ܈Êœ˜ÞÊLiʏˆ>LiÊ̜ʫ>ÞÊ>Ê̅iÊ*Ài“ˆÕ“ÃÊ«>ˆ`ÊLÞÊ9œÕÊ>Ãʜ˜Ê̅iÊ`>ÌiÊ
following the intimation of death
™°Ê vÊ̅iʈviʘÃÕÀi`Ê՘`iÀÊ̅iÊ*œˆVÞ]Ê܅i̅iÀʓi`ˆV>ÞÊÃ>˜iʜÀʈ˜Ã>˜i]ÊVœ““ˆÌÃÊ
ÃՈVˆ`i]Ê܈̅ˆ˜Êœ˜iÊÞi>ÀʜvÊ̅iÊ`>ÌiʜvÊÀiˆ˜ÃÌ>Ìi“i˜ÌʜvÊ̅iÊ*œˆVÞ]Ê̅iÊ*œˆVÞÊÅ>Ê
LiÊۜˆ`Ê>˜`Ê/…iÊ
œ“«>˜ÞÊ܈Êœ˜ÞÊLiʏˆ>LiÊ̜ʫ>ÞÊ̅iÊ*œˆVÞÊ՘`Ê6>ÕiÊ>Ãʜ˜Ê
the Valuation Date following the intimation of death.
£ä°Ê/…ˆÃʈÃÊ>ʘœ˜Ê«>À ̈Vˆ«>̈˜}Ê1˜ˆÌʈ˜Ži`ʘÃÕÀ>˜ViÊ«œˆVÞ
SECTION 41 OF INSURANCE ACT 1938
“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 in India, any rebate of the whole or par t 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 prospectus or tables of the Insurer.”
SECTION 45 OF INSURANCE ACT 1938
“No policy of life insurance shall after the expir y of two years from the date on which
it was effected, be called in question by an insurer on the ground that statement
made in the proposal for insurance or in any repor t of a medical officer, or referee,
or friend of the insured, or in any other document leading to the issue of the policy,
was inaccurate or false, unless the insurer shows that such statement was on a
material matter or suppressed facts which it was material to disclose and that it was
fraudulently made by the policyholder and that the policyholder knew at the time of
making it that the statement was false or that it suppressed facts which it was
material to disclose.
*ÀœÛˆ`i`Ê̅>ÌʘœÌ…ˆ˜}ʈ˜Ê̅ˆÃÊÃiV̈œ˜ÊÅ>Ê«ÀiÛi˜ÌÊ̅iʈ˜ÃÕÀiÀÊvÀœ“ÊV>ˆ˜}ÊvœÀÊ«ÀœœvʜvÊ
age at any time if he is entitled to do so, and no policy shall be deemed to be called
in question merely because the terms of the policy are adjusted on subsequent proof
̅>ÌÊ̅iÊ>}iʜvÊ̅iʈviʈ˜ÃÕÀi`ÊÜ>Ãʈ˜VœÀÀiV̏ÞÊÃÌ>Ìi`ʈ˜Ê̅iÊ«Àœ«œÃ>°»
The Company also has the right to revise the asset allocation of any investment
fund (s) with prior approval from IRDA.
Revision of charges:
The Company reser ves the right to revise the following charges from time to time,
subject to the following maximum limits, with prior approval from the Insurance
Regulator y and Development Authority (‘IRDA’):
UÊ Fund Management Charge: The maximum charge will be the minimum of 2% of each
of the investment fund, subject to IRDA approval or the cap described by IRDA.
UÊ Switch charge: This charge shall not exceed Rs.300 per switch.
Computation of Unit Price
The unit pricing shall be computed based on whether the Company is purchasing
(appropriation price) or selling (expropriation price) the assets in order to meet the
day to day transactions of unit allocations and unit redemptions i.e. the life insurer
shall be required to sell/purchase the assets if unit redemptions/allocations exceed
unit allocations/redemptions at the valuation date.
The Appropriation price shall apply in a situation when the Company is required to
purchase the assets to allocate the units at the valuation date. This shall be the
amount of money that the company should put into the fund in respect of each unit
it allocates in order to preser ve the interests of the existing policyholders. The Unit
price will be computed as follows: Market value of investment held by the fund plus
the expenses incurred in the purchase of the assets plus the value of any current
assets plus any accrued income net of fund management charges less the value of
any current liabilities less provisions, if any. This gives the net asset value of the
fund. Dividing by the number of units existing at the valuation date (before any new
units are allocated), gives the unit price of the fund under consideration.
The Expropriation price shall apply in a situation when the Company is required to sell
assets to redeem the units at the valuation date. This shall be the amount of money
that the company should take out of the fund in respect of each unit it cancels in
order to preser ve the interests of the continuing policyholders. The Unit price will be
computed as follows: Market Value of investment held by the fund less the expenses
incurred in the sale of the assets plus the value of any current assets plus any
accrued income net of fund management charges less the value of any current
liabilities less provisions, if any. This gives the net asset value of the fund. Dividing
by the number of units existing at the valuation date (before any units are redeemed),
gives the unit price of the fund under consideration.
Risks of investment in unit-linked policies:
UÊ ¼ …>À ̈Ê
8
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ëˆÀiˆviÊ*1-½ÊˆÃÊ̅iʘ>“iʜvÊ̅iÊ՘ˆÌʏˆ˜Ži`ʈ˜ÃÕÀ>˜ViÊ«Àœ`ÕVÌ°Ê
Unit linked insurance products are different from traditional Insurance products
and are subject to the risk factors.
UÊ /…iÊ «Ài“ˆÕ“Ê ˆ˜Ê ՘ˆÌÊ ˆ˜Ži`Ê ˆ˜ÃÕÀ>˜ViÊ «œˆVÞÊ >ÀiÊ ÃÕLiVÌÊ ÌœÊ ˆ˜ÛiÃ̓i˜ÌÊ ÀˆÃŽÊ
associated with capital market and the NAV of the units may go up or down based
on the per formance of the investment funds and the factors influencing the
capital markets and the insured is responsible for his/her decisions.
UÊ …>À ̈Ê
8
Ê ˆviÊ ˜ÃÕÀ>˜ViÊ
œ“«>˜ÞÊ Ì`°Ê ˆÃÊ œ˜ÞÊ Ì…iÊ ˜>“iÊ œvÊ Ì…iÊ ˆ˜ÃÕÀ>˜ViÊ
Vœ“«>˜ÞÊ>˜`Ê …>À ̈Ê
8
ʈviÊ
ëˆÀiˆviÊ*1-ʈÃʜ˜ÞÊ̅iʘ>“iʜvÊ̅iÊ՘ˆÌʏˆ˜Ži`Ê
insurance policy and does not in any way represent or indicate the quality of the
policy, its future prospects and per formance or the returns.
UÊ …>À ̈Ê
8
Ê ˆviÊ
ëˆÀiˆviÊ *1-Ê `œiÃÊ ˜œÌÊ «ÀœÛˆ`iÊ vœÀÊ «>À ̈Vˆ«>̈œ˜Ê ˆ˜Ê ̅iÊ
distribution of surplus or profits that may be declared by the Company.
UÊ ÀœÜ̅Ê"««œÀ Ì՘ˆÌˆiÃÊ*ÕÃÊ՘`]Ê Õˆ`ʘ`ˆ>Ê՘`]ÊÀœÜÊœ˜iÞÊ*ÕÃÊ՘`]Ê-Ìi>`ÞÊ
œ˜iÞÊ՘`]Ê->Ûi½˜½}ÀœÜÊœ˜iÞÊ՘`Ê>˜`Ê->viÊœ˜iÞÊ՘`Ê>ÀiÊ̅iʘ>“iÃʜvÊ̅iÊ
˜ÛiÃ̓i˜ÌÊ՘`ÃÊ>˜`Ê`œÊ˜œÌʈ˜Ê>˜Þʓ>˜˜iÀʈ˜`ˆV>ÌiÊ̅iʵÕ>ˆÌÞʜvÊ̅iʘÛiÃ̓i˜ÌÊ
՘`Ã]Ê Ì…iˆÀÊ vÕÌÕÀiÊ «ÀœÃ«iVÌÃÊ œÀÊ ÀiÌÕÀ˜Ã°Ê /…iÀiÊ V>˜Ê LiÊ ˜œÊ >ÃÃÕÀ>˜ViÊ Ì…>ÌÊ Ì…iÊ
objective of any of the investment funds will be achieved.
UÊ *i>ÃiÊ Ž˜œÜÊ Ì…iÊ >ÃÜVˆ>Ìi`Ê ÀˆÃŽÃÊ >˜`Ê Ì…iÊ >««ˆV>LiÊ V…>À}iÃ]Ê vÀœ“Ê ޜÕÀÊ
Insurance advisor or the Intermediar y or the policy bond.
UÊ
Ê̅iÊÌ>ÝÊLi˜ivˆÌÃÊ՘`iÀÊ̅iÊ*œˆVÞÊ>ÀiÊÃÕLiVÌÊ̜Ê̅iÊÌ>Ýʏ>ÜÃÊ>˜`ʜ̅iÀÊvˆ˜>˜Vˆ>Ê
enactments as they exist from time to time. The tax benefits are subject to
change with change in tax laws.
About Us
…>À ̈Ê
8
ʈviʘÃÕÀ>˜ViʈÃÊ>ʍœˆ˜ÌÊÛi˜ÌÕÀiÊLiÌÜii˜Ê …>À ̈]ʜ˜iʜvʘ`ˆ>½Ãʏi>`ˆ˜}Ê
LÕȘiÃÃÊ}ÀœÕ«ÃÊ܈̅ʈ˜ÌiÀiÃÌÃʈ˜ÊÌiiVœ“]Ê>}ÀˆÊLÕȘiÃÃÊ>˜`ÊÀiÌ>ˆ]Ê>˜`Ê
8
]ÊܜÀ`Ê
leader in financial protection and wealth management. The joint venture company
…>ÃÊ>ÊÇ{¯ÊÃÌ>ŽiÊvÀœ“Ê …>À ̈Ê>˜`ÊÓȯÊÃÌ>ŽiʜvÊ
8
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As we fur ther expand our presence across the countr y with a large network of
distributors, we continue to provide innovative product and ser vice offerings to cater
to specific insurance and wealth management needs of customers. Whatever your
«>˜Ãʈ˜Êˆvi]ÊޜÕÊV>˜ÊLiÊVœ˜vˆ`i˜ÌÊ̅>ÌÊ …>À ̈Ê
8
ʈviÊ܈ÊœvviÀÊ̅iÊÀˆ}…ÌÊvˆ˜>˜Vˆ>Ê
solutions to help you achieve them.
Disclaimers
UÊ /…ˆÃÊ «Àœ`ÕVÌÊ LÀœV…ÕÀiÊ ˆÃÊ ˆ˜`ˆV>̈ÛiÊ œvÊ ÌiÀ“Ã]Ê Vœ˜`ˆÌˆœ˜Ã]Ê Ü>ÀÀ>˜ÌˆiÃÊ >˜`Ê
exceptions contained in the insurance policy bond. In the event of conflict, if any,
between the terms and conditions contained in this brochure and those contained
in the policy bond, the terms and conditions contained in the policy bond shall
prevail.
UÊ ˜ÃÕÀ>˜ViʈÃÊÃÕLiVÌʓ>ÌÌiÀʜvÊ܏ˆVˆÌ>̈œ˜°Ê
UÊ …>À ̈Ê
8
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œ“«>˜Þʈ“ˆÌi`]Ê,i}ˆÃÌÀ>̈œ˜Ê œ°\Ê£Îä
Ê 1˜ˆÌÊ ‡Ê Èä£Ê EÊ ÈäÓ]Ê ÈÌ…Ê œœÀ]Ê ,>…i>Ê /ˆÌ>˜ˆÕ“]Ê "vvÊ 7iÃÌiÀ˜Ê Ý«ÀiÃÃÊ ˆ}…Ü>Þ]Ê
œÀi}>œ˜Ê­ ®]ÊՓL>ˆ‡Ê{ääÊäÈΰ
 Your Bharti AXA Life Advisor

Get in touch with us

œÀÊ>˜ÞÊvÕÀ̅iÀʵÕiÀˆiÃÊÀi}>À`ˆ˜}Ê̅iÊ«Àœ`ÕVÌ]ʜÀÊ>˜Þʜ̅iÀÊvii`L>VŽ]Ê
«i>ÃiÊ Vœ˜Ì>VÌÊ ÞœÕÀÊ ˆ˜>˜Vˆ>Ê
`ۈÜÀÊ ",Ê /…iÊ
ÕÃ̜“iÀÊ -iÀۈViÊ
Representative of The Company during business hours (9:00 a.m. to
9:00 p.m.) at the following numbers:

1800-102-4444
SMS SERVICE to 56677
We will get in touch within 48 hours to address your query
Email us: service@bharti-axalife.com
Visit us: www.bharti-axalife.com

Bharti AXA Life Insurance Company Ltd.

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"vvÊ7iÃÌiÀ˜Ê Ý«ÀiÃÃʈ}…Ü>Þ]ÊœÀi}>œ˜Ê­ ®]ÊՓL>ˆ‡Ê{ääÊäÈΰ
,i}˜°Ê œ°Ê£Îä°Ê1 \Ê£ÎääÓn6䣰Ê
Insurance is the subject matter of the solicitation.

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