}]]}]}]}] 30:T289a,

### Policy Overview This is a Unit-Linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01). It is designed for capital appreciation through investments in various funds. #### Key Features: - **Unit-Linked:** Investment risk is borne by the Policyholder. - **Non-Participating:** Does not share in company profits. - **Individual Life Savings Insurance Plan:** Focuses on individual savings and life coverage. ### Key Benefits #### 1. Death Benefit (Section 5a) - **If Policy is In-Force:** Higher of (Prevailing Sum Assured or Regular Premium Fund Value) + Higher of (Top Up Sum Assured or Top Up Premium Fund Value). Subject to a minimum of Guaranteed Benefit. - **If Policy is Paid-up:** Higher of (Paid-up Sum Assured or Regular Premium Fund Value) + Higher of (Top Up Sum Assured or Top Up Premium Fund Value). Subject to a minimum of Guaranteed Benefit. - **If Policy is Discontinued:** Discontinuance Value as on the date of intimation of death. - **During Grace Period:** Full Death Benefit as if In-Force. - **Partial Withdrawals:** Prevailing Sum Assured and Paid Up Sum Assured are reduced by partial withdrawals from the Regular Premium Fund during the two years preceding death. Top Up Sum Assured is not adjusted. #### 2. Maturity Benefit (Section 5b) - If the Life Assured is alive on the Maturity Date, the Company will pay the **Fund Value**. Not payable if the policy has been terminated. #### 3. Loyalty Advantage (Section 5c) - Added to the Fund if all due premiums are paid and the policy is in-force. - **Return Of Premium Allocation Charge (ROAC):** Total Premium Allocation Charges deducted (w.r.t. Regular Premium) are added back at the end of the 15th Policy Year. - **Return Of Mortality Charge (ROMC):** Mortality Charges deducted are added back as per a defined schedule (e.g., 25% at 7th year, 50% at 15th year, 100% at 20th year onwards). - **Loyalty Additions (LAs):** A proportion of the average daily Regular Premium Fund Value from the previous three policy years is added at the end of the 10th Policy Year and every 10 years thereafter. | End of Policy Year | 10 | 20 | 30 | 40 | |--------------------|----|----|----|----| | LA% (Avg. RPFV) | 1.25% | 2.00% | 3.00% | 5.00% | #### 4. Fund Maintenance Booster (FMB) (Section 5d) - If Fund Value is below one Annualized Premium, FMB is added to Regular Premium Fund Value from the 4th Policy Year onwards. - Calculated as (One Annualized Premium - Fund Value at time of addition). #### 5. Additional Rider Benefits (Section 5f) - Available as per the Rider Document. ### Flexibility Options (Section 11) Policyholders can exercise various options: #### a) Change Portfolio Strategy (Section 11a) - Change between **Investor Selectable Portfolio Strategy** and **Automatic Transfer Strategy** at any Policy Anniversary with 30 days' notice. - Switching into Investor Selectable allows allocation to chosen funds. - Switching into Automatic Transfer allocates to funds as per Section 13b. #### b) Switching between Funds (Section 11b) - Only under Investor Selectable Portfolio Strategy. - Switch Units from one Fund to another (except Discontinued Life Policy Fund). - Minimum switching amount is ₹5,000 or the value of Units to be switched, whichever is lower. - Unlimited free switches. #### c) Partial Withdrawal (Section 11c) - Allowed any time after the Lock-in Period. - Top Up Units are encashed first (FIFO basis). - Regular Premium Fund Value must not fall below three times the Annualized Premium. - Minimum partial withdrawal amount is ₹5,000. - No charges