IGAIN III INVESTMENT PLAN

FEATURES

Tax Exemption u/s 80(C) & 10(10)D High allocation of 98% from the start of the policy. 100% allocation from 6th policy year onwards. Inbuilt accidental death cover. Option to select policy term of 10/15 or 20 years and premium paying term of 5 years to policy term. Automatic annual increase in sum assured from 6th policy anniversary to suit your needs. Choice of 7 investment funds to invest in as per your risk appetite. Two investment portfolio strategies to manage your investments better; including the Wheel of Life portfolio strategy, which will help you to balance and safeguard your investment. With iGain III, you have the flexibility to:-

Make partial withdrawals anytime after five years from the commencement of the policy. Make top-up premium payment over and above regular premiums. Change your premium payment term. Decrease your sum assured. Change your premium payment frequency. Get Optional riders to enhance your protection.

KEY BENEFITS
Surrender Benefit You have the option to surrender your policy anytime from the 6th (sixth) policy year. The surrender value payable will be equal to the Fund Value as on date of surrender of the policy. The policy shall thereafter terminate upon payment of full surrender value. However, on discontinuance of payment of regular premium during the first five policy years, the discontinuance value as on date of discontinuance will be

equal to the regular premium fund value minus the discontinuance charge, if any, plus top up premium fund value, if any.

Death Benefit In case of death of the life assured before attaining the age of 60 years: The death benefit payable would be the higher of sum assured minus the value of partial withdrawals made in the last 24 months prior to the date of death, or the fund value as on date of receipt of intimation of death at the Company's office. The death benefit payable will be calculated separately for regular premium and top up premiums. In case of death of the life assured on or after attaining the age of 60 years: The benefit payable would be the higher of sum assured minus the value of partial withdrawals made within 24 months before attaining the age of 60 years and all partial withdrawals made after attaining the age of 60 years, or the fund value as on the date of receipt of intimation of death at the Company's office. The death benefit payable will be calculated separately for regular premiums and top up premiums In case of death of the life assured due to an accident after attaining the age of 7 years: An additional sum assured in respect of regular premium and top-up premium of the policy is payable. The sum assured will increase by an annual premium at each policy anniversary starting from the 6th (sixth) policy anniversary. The death benefit and the mortality charge shall be calculated referring to such enhanced sum assured. The policy will terminate on the death of the life assured.

CHILD PLAN
SUPER CASH GAIN

Your children belong to a generation which offers new and constantly changing opportunities. Some might require big investments, some might require smaller ones. You don't want to feel at any moment, that what I have isn't enough for my child to pursue his dreams. So we help you put away your hard earned money into fruitful investments which in return promise to pay back fixed amounts at fixed intervals. Investment in Super CashGain - Child Insurance will help you take on any such opportunities that come your child's way

KEY BENEFITS:-

Tax exemption u/s 80(C) & 10(10)D Select up to 4 times your base sum assured as life cover-Super CashGain Platinum Option to select policy term of 12, 16, 20 or 24 years. Benefit from shorter premium payment term as no premiums are payable for the last five policy years. Get 20% of the base sum assured as cash-back at regular intervals, which you may take as cash or ask us to adjust against your due or future premium. Flexibility to pay your future premiums in advance and avail discounts. Option to o Keep your policy in force for full sum assured in case you miss paying your premiums on due dates, provided you have paid at least 3 years' premiums in full. o Convert your policy to a "single premium term cover with return of premium (ROP)" policy, if you miss paying your premiums on due dates provided you have paid at least 5 years' premiums in full. Get more value for your money with high sum assured rebate on premium. Optional riders to enhance your protection

PLAN Parameters

Parameter Minimum Entry Age Maximum Entry Age Minimum Age at Maturity

Details 0 years (18 years for additional riders ) 65 years (50 years for additional riders ) 18 Years 80 years (70 years, for plan variants other than Silver & 65 years, for additional riders) 12, 16, 20 and 24 years Policy term less 5 years Rs.6,500 per Yearly Installment

Maximum Age at Maturity

Policy Term Premium Paying Term(PPT)

Minimum Premium

Rs.3,250 per Half-yearly Installment Rs.1,750 per Quarterly Installment Rs.600 per Monthly installment

Maximum Premium Minimum Base Sum Assured Maximum Base Sum Assured

No Limit Rs.50,000 No Limit Yearly, Half yearly,Quarterly and Monthly.

Premium Payment Frequency

The monthly mode will be allowed for direct debit & through ECS only, and 3 installments need to be paid at the inception of the policy.

Death Benefit
Sum Assured + applicable bonus will be the death benefit, in case of unfortunate demise of the life assured during the policy term

Surrender Option
You will have the option to surrender your policy anytime after 3 years, provided at least 3 year's premiums have been paid.

TERM PLANS

ISECURE
You have always tried your best to fulfill all your responsibilities and take care of your family. However, life comes with risks and unforeseen incidents that can put your family's financial security in jeopardy. Presenting the Bajaj Allianz iSecure Insurance Plan; a level cover term assurance plan that secures your family's financial needs by giving you a level term cover for high sum assured, but at a low cost. Best Term Insurance Plan review by i-save.com as featured in The Economic Times Wealth, Bajaj Allianz iSecure scores a 4 star rating in Price, Features, Servicing and Overall Performance.

KEY FEATURES

Tax Exemption u/s 80C and 10(10D)* Get the advantage of a level term cover at low cost, especially for larger sum assured. Get rewarded for maintaining a healthy life-style, if applicable, with special premium rates for non-smokers and medically fit non-smokers. Benefit of attractive high sum assured rebate. Flexibility to select your policy term of 10, 15, 20, 25 or 30 years depending on your requirement. Alter your premium payment frequency. Include your spouse at a later date in your existing policy, if you are single at present. Choose additional rider benefit(s) for enhanced protection. Plan to meet recurring expenses of your loved ones by opting for payment of benefit in annual installments

HOW DOES BAJAJ ALLIANCE ISECURE PLAN WORK

Bajaj Allianz iSecure Insurance Plan offers you the choice to cover your spouse jointly with yourself. You can customise your policy to suit your requirements by following these simple steps:

Step 1 : Choose either an individual or a joint life cover Step 2 : Choose your sum assured(s), i.e, life cover Step 3 : Choose your policy term and premium payment frequency Step 4 : If sum assured chosen is Rs.2,000,000 and above, you may choose your lifestyle category - either Preferred Non-Smoker, or Non-Smoker, or Smoker.* Your premium will be based on your current age(s), sum assured(s), lifestyle category (if applicable), policy term and premium payment frequency. In case of unfortunate demise, the death benefit will be the sum assured under the policy. *This categorisation is available for sum assureds of Rs.2,000,000 and above, subject to medical examination/tests as decided by the Company. A Non-Smoker who has no abnormalities in his medical examination/tests or family/personal history; has no risky avocation and does not have a risky occupation, as decided by the Company, is classified as a Preferred Non-Smoker.

ELIGIBILITY CRITERIA

Parameter Minimum Entry Age Maximum Entry Age 18 years 60 years

Eligibility

Minimum Sum Assured

Rs.250,000 for general category and Rs.2,000,000 for the categories split by Preferred Non-Smoker, Non-Smoker & Smoker No Limit 10, 15, 20, 25 & 30 years Sum Assured Yearly Rs.1000 Half-Yearly Rs.500 Quarterly Rs.250 Monthly* Rs.100

Maximum Sum Assured Policy Term

Minimum Installment Premium

< Rs.2,000,000

>= Rs.2,000,000

Rs.3000

Rs.1500

Rs.750

Rs.250

Minimum Maturity Age

28 years

Maximum Maturity Age

70 years

RETIREMENT PLAN CASH RICH

At retirement what we look at is financial security. A flow of guaranteed income provides that financial security. Bajaj Allianz CashRich plan offers guaranteed cash back of 5% of sum assured per year along with a cash bonus, which would be your regular income.

KEY FEATURES

Tax Exemption u/s 80C & 10(10D) Accumulated compound reversionary bonus on completion of premium payment term. Cash Back benefit of 5% of the sum assured plus cash bonus, if any declared every year, during the cash back period end. Sum Assured plus terminal bonus, if any on maturity of the policy. Select your policy term from 10 years to 65 years depending on your financial need. Select your limited premium paying term (PPT) from 5 years to 30 years, in multiple of 5 only. Pay your future premiums in advance and get benefit of appropriate discounts.

HOW MUCH MONEY WILL I NEED AT RETIREMENT

Retirement, it is often said, is the golden era of one's life. And rightly so, after all the retirement planning gives you the freedom to live your life your way. And for a completely peaceful retirement, one needs to start planning as early as possible.

Consider your present age, retirement age and age till when you would want to receive pension income. Calculate monthly expenses, income and expected rate of inflation to get a picture of your expenses at retirement. Evaluate all your current assets like bank deposits, investments, gold and other precious items and so on. Assess how much these would grow over the years to ascertain your future asset value.

Deduct the expenditure calculated from the future asset value. What you will get is the actual pension plan required. It is recommended to start at younger years, since the premium payable will be less. While all of us would like to retire comfortably, the complexity and time required in building a successful retirement plan can make the whole process seem a tad bit confusing. So, let us guide you through this process and show you how simple it actually is. All it takes is a little homework, an attainable savings, a disciplined approach and a long-term commitment

EXAMPLE
Let's take the case of Mr. Sharma who decides to buy a Bajaj Allianz CashRich Insurance Plan when he is 35 yrs old with the objective of getting Rs. 27 lacs plus when he retires. So, he opts to pay premium for 25 years so that when he retires at 60 all premium payments have been paid. On basis of his retirement objective he opts to pay a premium of Rs. 12,036 monthly for which he gets a sum assured of Rs. 20 lacs. When Mr. Sharma retires at 60 he will receive Rs. 27,26,490 as an accrued bonus and thereafter every year, till he attains the age of 95 years, he will receive cash back of Rs. 1,22,000. (Out of this Rs. 1,22,000, Rs. 1 lac is guaranteed and Rs. 22,000 is nonguaranteed.) Mr. Sharma continues to get this cash back as regular income for 35 yrs of his retired life. When Mr. Sharma turns 95 i.e. the end of his cask back period he gets the sum assured of Rs. 20 lacs under the plan as a maturity benefit. Further more, during the cash back period of 35 years, Mr. Sharma will continue to have a life cover of Rs. 20 lacs, thus offering financial security to his dependents.