India Insurance 2009 ULIP Schemes

ULIPs
COMPANY PRODUCT MAIN FEATURE AGE GROUP
1. Bajaj Allianz 1. New Unit Gain Plus SP Savings+Returns Entry:

Maturity:
2. New Unit Gain Premier SP Savings+Returns Entry:

Maturity:
3. New Family Gain Savings+Returns Entry:

Maturity:
4. New Unit Gain Savings+Returns Entry:

Maturity:
5. New Unit Gain Super Savings+Returns Entry:

Maturity:
6. Unit Gain Plus Gold Savings+Returns Entry:

Maturity:
7. Unit Gain Plus Savings+Returns Entry:

Maturity:
8. YoungCare Child Plan Entry:

Maturity:
9. YoungCare Plus Child Plan Entry:

Maturity:
2. ICICI Prudential 1. SmartKid ULRP Child Plan Entry:
Maturity:
Entry:
Maturity:
2. InvestShield CashBak Savings+Returns Entry:

Maturity:
3. New InvestShield Life Savings+Returns Entry:

Maturity:
4. Life Link Super Savings+Returns Entry:

Maturity:
5. LifeStage Assure Savings+Returns Entry:

Maturity:
6. LifeStage RP Savings+Returns Entry:

Maturity:
7. LifeTime Gold Savings+Returns Entry:

Maturity:
8. Wealth Advantage Savings+Returns Entry:

Maturity:
3. SBI Life 1. Child Plan Child Plan Entry:

Maturity:
Entry:
Maturity:
2. Horizon II Savings+Returns Entry:

Maturity:
3. Unit Plus Elite Non Participating Plan Entry:
Maturity:
4. Unit Plus II Savings+Returns Entry:

Maturity:
4. Birla Sunlife 1. Gold Plus II Savings+Returns Entry:

Maturity:
2. Saral Jeevan Instant Policy Entry:

Maturity:
3. Supreme-Life Non Participating Plan Entry:

Maturity:
4. Dream Plan Guaranteed Returns Entry:

Maturity:
5. Classic Life Premier Non Participating Plan Entry:
Maturity:
6. SimplyLife Savings+Returns Entry:

Maturity:
7. PrimeLife Premier Savings+Returns Entry:

Maturity:
8. PrimeLife Whole Life Entry:
Maturity:
9. Flexi Cash Flow Guaranteed Returns Entry:

Maturity:
10. Flexi Save Plus Guaranteed Returns Entry:

Maturity:
11. Flexi Life Line Non Participating Plan Entry:

Guaranteed Returns Maturity:
Whole Life, Regular payouts
12. Single Premium Bond Non Participating Plan Entry:

Maturity:
13. Children's Dream Plan Child Plan Entry:

Guaranteed 3% addn Maturity:
Entry:
Maturity:
5. LIC 1. Market Plus I Savings+Returns Entry:

W/O life option Maturity:
2. Profit Plus Savings+Returns Entry:

Maturity:
3. Fortune Plus Savings+Returns Entry:

Maturity:
4. Money Plus I Endowment Entry:

Maturity:
5. Child Fortune Plus Child Plan Entry:
Maturity:
Entry:
Maturity:
6. ING Vysya 1. Prime Life Savings+Returns Entry:

Maturity:
2. High Life Savings+Returns Entry:
Maturity:
3. High Life Plus Savings+Returns Entry:
Maturity:
4. New Freedom plan Moneyback Entry:
Maturity:
5. New One Life Savings+Returns Entry:

Maturity:
7. Reliance 1. Money Guarantee Savings+Returns Entry:

Maturity:
2. Super Invest Assure Plus Savings+Returns Entry:

Maturity:
3. Super Automatic Investment Plan Savings+Returns Entry:

Maturity:
4. Super Golden Years Plan Annuity Entry:

Maturity:
5. Super Golden Years Plan Plus Annuity Entry:
Maturity:
6. Super Market Return Savings+Returns Entry:

Maturity:
7. Savings Linked Insurance Plan Savings+Returns Entry:

Maturity:
8. Super Invest Assure Savings+Returns Entry:

Maturity:
9. Total Insurance Policy(TIPS) I Investment Flexibility Entry:

Maturity:
10. Imaan Investment Plan Islamic Investment Entry:

Maturity:
11. Secure Child Plan Child Plan Entry:

Maturity:
Entry:
Maturity:
8. HDFC Standard 1. Unit Linked Young Star II Child Plan Entry:
Maturity:
2. Unit Linked Young Star plus II Child Plan Entry:

Maturity:
3. Unit Linked Young Star Champion Child Plan Entry:
Maturity:
4. SimpliLife Savings+Returns Entry:

Maturity:
5. Unit Linked Endowment II Savings+Returns Entry:

6. Unit Linked Endowment plus II Maturity:
7. Unit Linked Enhanced Life Protection II Savings+Returns Entry:

Maturity:
8. Unit Linked Endowment Winner Savings+Returns Entry:

Maturity:
9. Wealth Maximizer Whole Life Entry:

Maturity:
9. Aviva 1. Little Master Child Plan Entry:

Maturity:
Entry:
Maturity:
2. Young Scholar Child Plan Entry:

Maturity:
Entry:
Maturity:
3. Life Bond Plus Savings+Returns Entry:

Maturity:
4. LifeLine Whole Life Entry:

Non Participating Plan Maturity:
5. Lifelong Whole Life Entry:

Maturity:
6. EasyLife Plus Endowment Entry:
Maturity:
7. Life Saver Endowment Entry:

Maturity:
8. Life Super Saver Endowment Entry:

Maturity:
9. Save Guard Endowment Entry:

Maturity:
10. Freedom Life Plan Endowment Entry:

Maturity:
11. Life Saver Plus Endowment Entry:

Maturity:
12. Sachin Century Plan Endowment Entry:

Maturity:
13. Wealth Plus Endowment Entry:

Maturity:
10. Kotak 1. Safe Investment Plan II Capital Protection Oriented Entry:

Maturity:
2. Platinum Advantage Plus Savings+Returns Entry:

targeted at HNIs Maturity:
3. Flexi Plan Capital Protection Oriented Entry:

Maturity:
4. Smart Advantage Savings+Returns Entry:

Maturity:
5. Headstart Assure Wealth Child Plan Entry:

Maturity:
Entry:
Maturity:
6. Headstart Future Protect Child Plan Entry:

Maturity:
Entry:
Maturity:
11. Max NewYork 1. Smart Xpress Growth Plans Savings+Returns Entry:

Maturity:
2. Life Maker Platinum Savings+Returns Entry:

Maturity:
3. Smart Assure Savings+Returns Entry:

Maturity:
4. Life Maker Gold Savings+Returns Entry:

Maturity:
5. Life Maker Premium Savings+Returns Entry:

Maturity:
6. Smart Steps Child Plan Entry:
Maturity:
Entry:
Maturity:
7. Smart Steps Single Premium Child Plan Entry:

Maturity:
Entry:
Maturity:
8. Smart Steps Plus Child Plan Entry:

Maturity:
Entry:
Maturity:
12. IDBI Fortis 1. Wealthsurance Savings+Returns Entry:

Maturity:
13. Met Life 1. Easy Savings+Returns Entry:

Maturity:
2. Smart Gold Savings+Returns Entry:

Maturity:
3. Smart Plus-Single Pay Savings+Returns Entry:

4. Smart Premier-Single Pay Maturity:
5. Little Star Child Plan Entry:

Maturity:
Entry:
Maturity:
6. Magic Child Plan Entry:

Maturity:
7. Smart Plus Whole Life Entry:
8. Smart Premier Maturity:
14. Tata AIG 1. Invest Assure Apex Savings+Returns Entry:

Maturity:
2. Invest Assure Extra Savings+Returns Entry:

Capital Protection Oriented Maturity:
3. Invest Assure Plus Savings+Returns Entry:

Maturity:
4. Invest Assure II Savings+Returns Entry:

Maturity:
5. Invest Assure Gold Whole Life Entry:

Maturity:
6. Invest Assure Care Savings+Returns Entry:

Capital Protection Oriented Maturity:
7. Invest Assure Optima Savings+Returns Entry:

Maturity:
8. Invest Assure Insta Savings+Returns Entry:

Maturity:
9. Invest Assure Flexi Savings+Returns Entry:

Maturity:
AGE GROUP MINIMUM PREMIUM TERM
18/65 10K min 5

70
0/60 50K min 10

18/70
0/60 Y-5000, HY-2500, min 10

18/70 Q-1250, M-500
TU-1000
0/60 Y-10K/7K5, HY-5K/3750, 15/20/25

18/75 Q-2K5/2K, M-1K/750
0/60 Y-15000, HY-7500, min 10

18/70 Q-4500, M-1500
TU-5000
0/60 Y-12000, HY-6000, min 10

18/70 Q-3000, M-1000
TU-5000
0/60 Y-15000, HY-7500, min 10

18/70 Q-3750, M-1500
TU-5000
18/60 Y-20k, HY-10k, 10 to 30

70 Q-5k, M-2k
TU-5000
18/50 Y-20k, HY-10k, 10 to 30

65 Q-5k, M-2k
TU-5000
parent:20 to 60 10K pa 10 to 25
parent:75
child:0 to 15
child:19/25
0 TO 65 8K 10 TO 30
19 TO 75
0 TO 65 12K 10 TO 30
19 TO 75
0 TO 65 50K 70-entry age

19 TO 70 min topup 2K
0 TO 65 12K monthly/ 10/15/20/25/30

19 TO 75 10K for other modes
0 TO 65 15K 10 to 75
19 TO 75 min topup 2K
0 TO 65 20K Y 10 to 75
19 TO 75 24K HY,M
0 TO 65 25K 7 to 70
19 TO 75
parent:18 to 57 term(yrs) 8 to 25
parent:65 3: 84Kpa, 5: 60Kpa
child:0 to 15 7: 48Kpa
child:18/25 till child 18: 12k
0 to 60 Y-12K, HY-6K, 10 to 40
70 Q-3K, M-1K
13 to 70 300K limited:3/5/7/10
75 min topup 20K term:max/max 5/20
0 to 65 Single:40K 5 to 40
limited:80 Regular:24Kpa
wholelife:99 min topup 3K
18 to 70 50K min 3yrs payment

.
18 to 55 . min 3yrs payment

65 10/15/20YRS
0/3/8 to 60 25K 10-40 in steps of 5

70
18 to 60 . 5 to 25
75
min:0/8 . limited payment term option:

max: 60/50/40/60 3/5/10yrs
70/100 10/20/30/whole life
8 to 50 10K max 100K 10

60
0/65 50K min 5yrs

70
0 to 60 20K min 40
100
13 to 65 . 10/15/20/25
75 limited payment options: 15/20
0 to 60 . minors: 6 to 35
70 10 to 30/52
limited premium:10/15/20
0 to 59/65 . 70/100
70/100
8/13 to 70 20K 5/10yrs

75/80
Parent:18 to 60 Guaranteed maturity Benefit/min amt 18-age of child @ entry

75 100%: 75K
Child: 0 to 13 200%: 37500
18-age of child @ entry 300%: 25K
Child's Age
18
19-23
total
18/74 Single: 10K 5

40/79 Y,HY,Q: 5K M:1K
18 to 65 Single 20K 5 to 20
70/75 Regular: 10K
12 to 60 20K 5 to 20
18 to 65
0 to 65 5K 5 to 30
18 to 75
18 to 55 Single 25K Child 25 or parent 75
75 Regular: 10K whichever is earlier
child:0 to 17
25
10 to 45 12K , max: 60K 15/20

25 to 65
0 to 70 Y-50K, HY-25K, Paying: 3 to 25
75 Q-15K, M-6K Policy: 5 to 25
0 to 70 Y-50K, HY-25K, Paying: 3 to 25
75 Q-15K, M-6K Policy: 5 to 25
8 to 65 Y-15K, HY-8K, 5 to 25
70 Q-4K, M-1K5
0 to 70 100K 5 to 25
75
0 to 55 Y-10K, HY-5K, 10 TO 30
18 to 80 Q-2K5, M-1K
0 to 60 Y-20K, HY-10K, 10 TO 30
10 to 75 Q-5K, M-2K
0 TO 65 Regular: 10 TO 30
18 to 80 Y-10K, HY-5K,
Q-2K5, M-1K
Limited:
Y-20K, HY-10K,
Q-5K, M-2K
18 to 59 Y-10K, HY-5K, 5
45 to 64 Q-2K5, M-1K
18 to 59 Y-10K, HY-5K, 5
45 to 64 Q-2K5, M-1K
0 TO 65 Y-10K, HY-5K, 10 to 40
80 Q-2K5, M-1K
18 to 65 6K 5 to 30
70
0 to 60 Y-5K, HY-2K5, 15 to 30
15 to 75 Q-1250, M-500
18 TO 64 25K per policy upto age 40 10yrs for 1st policy

28 TO 70 50K per policy above age 41 and rest having same maturity
date as the 1st policy
0 TO 65 Regular: 10 TO 30
18 to 80 Y-10K, HY-5K,
Q-2K5, M-1K
Limited:
Y-20K, HY-10K,
Parent:21 to 50 . 10 to 25
31/70
Child: 0 to 15
.
18 to 55/65 Y,HY: 12K pa, M: 1500 10 to 25
65/75
18 to 55/65 Y,HY: 12K pa, M: 1500 10 to 25

65/75
18 to 50 Y,HY: 20K pa, M: 3K .
65 max 100K
18 to 45 20K to 100K 15 to 20
60
18 to 55/65 Y,HY: 12K pa, M: 1500 10 TO 30

65/70/75
18 to 45 Y,HY: 12K pa, M: 1500 10 TO 30

75
18 to 50 Y,HY: 20K pa, M: 3K 15

65
18 to 65 100K 99-age of entry

99(fixed)
parent:18 to 45 >10yrs: 15K 8 to 25

70 <10yrs: 25K
child:0 to 17
25
parent:18 to 45 Limited 3/5yrs: 50K 10 to 25

70 full term paying: 15K paying:3/5/term
child:0 to 17
25
0 TO 65 Option A: 15K 5 to (70-entry age)

18 to (70-entry age) Option B: 25K
0 TO 65 PPT <10yrs: 15K Min : 5x, Max: 100

whole life PPT >10yrs: 100K
0 to 60 min: 5x Paying 85
whole life max: T=70-entry age
18 to 50 min 6K, max 50K 10/15/20
60
18 to 65 term >10yrs: 6K Min 5, max 70-entry age

70 term <10yrs: 10K
0 to 60 15K Min 10 to term of policy

75 Term 10 to 30
0 to 50 min 12K, max 360K 10/15/20/25/30

18/70
18 to 60 PPT 10+: 25k, 3/5: 100K 10 TO 30

70
0 to 60 15K Min 10 to term of policy

75 Term 10 to 30
18 to 55 PPT 5: 15K, 10/15/20: 6K 5/10/15/20

23/65 Max : 50K
0 TO 65 15K 10 to 25
18/75
0 TO 65 Regular: 18K 10 TO 30
75 Limited: 50K Limited: 3 for 10yr term
5/6/7 for 10/15yr term
10/15 for 15yrs+
0 TO 65 100K 10 TO 30
18/75 limited: 3/5yrs
14 to 65 Regular: 10K 10 TO 30
75 Limited: 50K Limited: 3 for 10yr term
5/6/7 for 10/15yr term
10/15 for 15yrs+
0 TO 65 Regular: 10K 10/15/20/25/30

18/75 Limited: 36K limited: 3/5yrs with 10/15/20yr terms
Parent:18 to 60 PPT 4-10: 25K 10 to 25

28/70 PPT 3: 50K
0 to 17 Regular: 15K
18/42
Parent:18 to 60 PPT 4-10: 25K 10 to 25

28/70 PPT 3: 50K
0 to 17 Regular: 15K
18/42
0 to 60 Single: 150K Single or limited 3/5yrs

70 Limited 3: 100K 10yrs fixed
Limited 5: 50K
12 to 60 10K 10 to 58
70
0 to 75 20K 10 TO 30
85
12 to 60 10K 10 to 58
70
0 TO 65 20K 10 TO 30
75 limited pay: 5 for 10
10 for 20
15 for 30
21 to 50 20K 10 to 25
parent: less than 60
0 to 15
child between 16 to 25
21 to 50 Band1: 50K to 3L 10 to 25
parent: less than 60 Band2: 3L+
0 to 15
21 to 50 20K 10 to 25
parent: less than 60
0 to 15
0 TO 65 Single 20K 75-entry age

75 Regular 10K, Monthly 1K
0 to 55 Min: 12K,15K,20K 10/15/20

65/70 Max: 3L,4L,6L
0 to 60 12K to 60K 10/15/20

65/70/80 Paying: 3,5,10,20
0 to 55 50K Single
70
Parent: 20 to 55 18K 10 to 25
70
Child: 0 to 15
Min 18
18 to 55 12K, max 100K 10/15/20/25

70
0 to 70 12K 100-entry age
100
18 to 70 90K 10 yrs, pay 3

80
0 to 45 12K 15/20
60/65
0 to 60 25K 15/20/25/30
75
0 to 60 12K 15/20/25/30
75
0 to 70 50K 100-entry age

100
0 to 45 12K 15/20
60/65
0 to 55 15K 10/15/20/25
70
0 to 60 options 10/15/20
75 20K/30K/40K/50K
0 to 70 15K 5 to 40
80 PPT 3 to 40
PLANS AVAILABLE
PLAN RISK
1. Equity Index Fund II HIGH

2. Equity Growth Fund V. HIGH
3. Pure Stock Fund V. HIGH
4. Bond Fund MODERATE
5. Liquid Fund LOW
1. Premier Equity Index Fund II HIGH

2. Premier Equity Growth Fund V. HIGH
3. Premier Bond Fund MODERATE

4. Liquid Fund LOW
5. Asset Allocation Fund HIGH
6. Accelerator Mid-Cap Fund V. HIGH
same as New Family Gain same as New Family Gain


3. Liquid Fund LOW
4. Accelerator Mid-Cap Fund V. HIGH

1. R.I.C.H HIGH
2. Multiplier HIGH
3. Flexi Growth HIGH
4. Flexi Balanced MODERATE
5 Balancer MODERATE
6. Protector LOW
7. Preserver CAPITAL PRESERVATION
8. Return Guarantee Fund LOW
1. InvestShield CashBak Fund LOW
1. New InvestShield Balanced Fund MODERATE
same as SmartKid ULRP same as SmartKid ULRP
1. R.I.C.H HIGH
2. Multiplier HIGH
5 Balancer MODERATE
6. Protector LOW
same as LifeStage Assure same as LifeStage Assure
1. Equity Optimizer Fund HIGH

2. Equity Fund HIGH
3. Bond Fund LOW to MODERATE
4. Growth Fund MODERATE to HIGH
5. Balanced Fund MODERATE
1. Dynamic Plan HIGH

2. Growth Plan
i. Equity Fund HIGH
ii. Bond Fund LOW to MODERATE
iii. Money Mkt LOW
1. Equity Elite fund HIGH

4. Bond Fund LOW to MODERATE
same as ChildPlan same as ChildPlan
1. Income Advantage Very Low

2. Assure Very Low
3. Protector Low
4. Builder Low
5. Enhancer Medium
6. Creator Medium
7. Magnifier High
8. Maximiser High
9. Multiplier High
same as Gold Plus II same as Gold Plus II
1. Protector Low
2. Builder Low
3. Enhancer Medium
1. Balancer Medium
2. Enhancer Medium

same as Dream Plan same as Dream Plan
1. Protector Low
2. Builder Low
3. Enhancer Medium
100% option 200% option

100% 100%
. 20%
100% 200%
1. Bond Fund Low

2. Secured Fund Medium
3. Balanced Fund Medium to High
4. Growth Fund High
same as Market Plus I same as Market Plus I

1. Debt Fund Low

2. Secure Fund Low
3. Balanced Fund Medium
4. Growth Fund Medium to High
5. Equity Fund High
same as Prime Life same as Prime Life
1. Fund D Medium
2. Fund E Medium to High
3. Fund F Medium to High
4. Return Shield Medium
5. Fund C Low to Medium
1. Corporate Bond Fund Low to Medium

2. Money market fund LOW
3. Gilt Fund Low to Medium
4. Equity Fund HIGH
5. Infrastructure Fund HIGH
6. Energy Fund HIGH
7. Midcap Fund HIGH
8. Pure Equity Fund HIGH
1. Fund A HIGH
2. Fund B Medium to High
3. Fund C Low to Medium
11. all Super Invest Assure Plus plans all Super Invest Assure Plus plans
Same as Super Invest Assure Plus Same as Super Invest Assure Plus
Indian Traditional Fund HIGH
Fund G LOW to MODERATE

Fund H MODERATE
Equity Fund HIGH
Return Shield Fund (Fund I) HIGH
Infrastructure Fund HIGH
Energy Fund HIGH
Midcap Fund HIGH
Pure Equity Fund HIGH
1. Liquid Fund LOW
2. Stable Managed Fund LOW

3. Secure Managed Fund LOW to MODERATE
4. Defensive Managed Fund MODERATE
5. Balanced Managed Fund HIGH
6. Equity Managed Fund V. HIGH
7. Growth Fund V. HIGH
same as Unit Linked Young Star II same as Unit Linked Young Star II
1. Money Plus Fund LOW

2. Bond Opportunities Fund LOW to MODERATE
3. Large Cap Fund V. HIGH
4. Mid Cap Fund V. HIGH
5. Manager's Fund(Fund of Funds) HIGH
1. Growth Fund HIGH

3. Protector Fund LOW
4. Secure fund LOW

2. Bond Fund LOW
4. Growth Fund HIGH
5. Enhancer Fund HIGH
1. Growth Fund HIGH

same as Young Scholar same as Young Scholar

6. Index Fund HIGH
same as LifeLine same as LifeLine

same as Life Bond Plus same as Life Bond Plus
same as Life Bond Plus same as Life Bond Plus
1. Growth Fund HIGH

4. Index Fund HIGH
1. Index Fund HIGH

4. Growth Fund HIGH
same as Young Scholar same as Young Scholar
same as Little Master same as Little Master
1. Growth Fund HIGH

3. Secure fund LOW
1. Growth Fund HIGH

1. Aggressive Growth HIGH

2. Guaranteed/Dynamic Growth HIGH
3. Guaranteed/Dynamic Balanced MODERATE
4. Guaranteed/Dynamic Bond LOW
5. Guaranteed/Dynamic Floating Rate LOW
6. Guaranteed/Dynamic Gilt LOW
7. Guaranteed/Dynamic Money Market LOW
1. Oppurtunities Fund HIGH

3. Dynamic Growth HIGH
4. Guaranteed Growth HIGH
5. Dynamic Balanced MODERATE
6. Dynamic Floor MODERATE
7. Dynamic Bond LOW
8. Dynamic Floating Rate LOW
9. Dynamic Gilt LOW
same as Safe Investment Plan II same as Safe Investment Plan II

3. Dynamic Bond LOW

3. Dynamic Growth HIGH
4. Dynamic Money Market Fund LOW
5. Dynamic Balanced MODERATE
7. Dynamic Bond LOW
8. Dynamic Floating Rate LOW
9. Dynamic Gilt LOW
same as Headstart Assure Wealth same as Headstart Assure Wealth
1. Secure Fund LOW

2. Conservative Fund LOW
5. Growth Super Fund HIGH
6. High Growth Fund HIGH
7. Dynamic Oppurtunities Fund HIGH
8. Money Market Fund LOW
9. Secure Plus Fund LOW
1. Secure Fund LOW

1. Secure Fund LOW

same as Life Maker Platinum same as Life Maker Platinum
1. Secure Fund LOW

same as Life Maker Premium same as Life Maker Premium
1. Monthly Interest Account LOW

2. Guaranteed Returns Fund LOW
3. Capital Guaranteed Funds LOW
4. Equity Growth Fund HIGH
5. Nifty Index Fund HIGH
7. Income Fund LOW
8. Liquid Fund LOW
9. Asset Allocator Funds LOW, MODERATE, HIGH
1. Multiplier HIGH
2. Virtue HIGH
3. Balancer MODERATE
4. Protector LOW
5. Preserver LOW
same as Easy same as Easy
1. Multiplier HIGH
2. Virtue HIGH
4. Protector LOW
5. Preserver LOW
6. Accelarator HIGH
7. Moderator MODERATE

same as Smart Plus-Single Pay same as Smart Plus-Single Pay
1. Apex Investment Fund LOW

2. Apex Return Lock-in Fund HIGH
1. Growth Maximiser Fund HIGH

2. Growth Enabler Fund MODERATE
3. Short Term Fixed Income Fund LOW
4. Capital Guarantee Fund HIGH
5. Select Equity Fund HIGH
1. Equity Fund HIGH

2. Income Fund LOW
3. Aggressive Growth Fund MODERATE
4. Stable Growth Fund MODERATE
5. Short Term Fixed Income Fund LOW
same as Invest Assure Plus same as Invest Assure Plus
1. Whole Life Midcap Equity Fund HIGH

2. Whole Life Income Fund LOW
3. Whole Life Short Term Fixed Income Fund LOW
4. Whole Life Aggressive Growth Fund HIGH
5. Whole Life Stable Growth Fund MODERATE
same as Invest Assure Plus same as Invest Assure Plus
same as Invest Assure Gold same as Invest Assure Gold

7. Large Cap Equity Fund HIGH
1. Top 50 HIGH
2. Top 200 HIGH
3. Aggressive Flexi HIGH
4. Stable Flexi MODERATE
5. Bond Fund LOW
same as Invest Assure Gold same as Invest Assure Gold

7. Large Cap Equity Fund HIGH
8. Capital Guarantee Fund HIGH
LE SWITCH POLICY
RISK PROFILE
85E,15FD+MM 3 free switches/yr

80E,20FD+MM 100 or 5%/switch after fs
exc: 80E,20FD+MM
20MM,80BD+FD+MM
100FD+MM(not>20)
D:E 0/15:85/100 3 free switches/yr min 5k

D:E 0/20:80/100 100 or 5%/switch after fs
MM:BD 0/20:80/100
GD:E 0/40:60/100 unlimited free

FD+MM:E 0/40:60/100
D+MM 100
FD+MM 100
D+MM:E 0/100:0/100
FD+MM:E 0/40:60/100
FD+MM:E 0/40:60/100
same as New Family Gain 3 free switches/yr

100 or 5%/switch after fs
GD:E 0/40:60/100 3 free switches/yr

FD+MM:E 0/40:60/100 100 or 5%/switch after fs
D+MM 100
FD+MM:E 0/40:60/100

FD+MM:E 0/40:60/100 3 free switches/yr

D+MM 100 100 or 5%/switch after fs
FD+MM 100
FD+MM:E 0/40:60/100
FD+MM:E 0/40:60/100


D:E 0/20:80/100 4 free
D:E 0/20:80/100
D:E 0/20:80/100
D:E 40/100:0/60
D:E 60/100:0/40
D+MM 100
D:MM 0/50:50/100
D+MM 100
D+MM 100 NA
D:E 60/100:0/40 NA
same as SmartKid ULRP 4 free
D:E 0/20:80/100 4 free

D:E 0/20:80/100
D:E 0/20:80/100
D:E 40/100:0/60
D:E 60/100:0/40
D+MM 100
D:MM 0/50:50/100
same as LifeStage Assure unlimited min 2K
D:E 0/40:60/100 4 free

D:E 0/20:80/100
D:MM 0/40:60/100
D:E 0/60:40/100
D:E 40/60:40/60
depending on term 2 free

1%/switch after fs
D:E 0/20:80/100
D:MM 0/40:60/100
D:MM 0/20:80/100
D:E 0/40:60/100 4 free

D:E 0/60:40/100
D:E 40/60:40/60
D:MM 0/40:60/100
same as ChildPlan 4 free
D: 100 unlimited free

D: 100
D:E 90/100:0/10
D:E 80/90:10/20
D:E 65/80:20/35
D:E 50/70:30/50
D:E 10/50:50/90
D:E 0/20:80/100
D:E 0/20:80/100
same as Gold Plus II unlimited free
same as Gold Plus II 2 free
D:E 90/100:0/10 unlimited free

D:E 80/90:10/20
D:E 65/80:20/35
D:E 10/25:75/90 2 free

D:E 65/80:20/35

same as Dream Plan 2 free
D:E 90/100:0/10 2 free

D:E 80/90:10/20
D:E 65/80:20/35
300% option
100%
25%
300%
D:MM 60/100:0/40 4 free

D:MM:E 45:40:15/55
D:MM:E 30:40:30/70
D:MM:E 20:40:40/80
same as Market Plus I 4 free

D 100 2 free
D:E 80/90:10/20
D:E 60/80:20/40
D:E 40/60:40/60
D:E 0/10:90/100
same as Prime Life 2 free
MM:D:E 0:60:40 4 free

MM:D:E 0:50:50
MM:D:E 0:40:60
MM:D:E 20:40:40
MM:D:E 0:80:20
MM:CD 0:100 52 free

MM 100
MM:GD 0:100
D:E 0:100
D:E 0:100
D:E 0:100
D:E 0:100
D:E 0:100
D:E 20:80 52 free

D:E 50:50
MM:D:E 0:80:20
all Super Invest Assure Plus plans
Same as Super Invest Assure Plus 52 free

D:E 0/40:60/100 NA
D:E 80:20 4 free

D:E 60:40
D:E 0:100
D:E 60:40
D:E 0:100
D:E 0:100
D:E 0:100
D:E 0:100
D:E 100:0 24 free
D:E 100:0
D:E 100:0
D:E 70/85:15/30
D:E 40/70:30/60
D:E 0/60:60/100
D:E 0/5:95/100
same as Unit Linked Young Star II 24 free

D 100 24 free
D 100
D:E 0/5:95/100
D:E 0/5:95/100
1: 0%-5%, 2: 10%-60%, 3,4. 15% to 45%
D:MM:E 0/50:0/40:30/85 4 free

D:MM:E 50/90:0/40:0/45
D:MM:E 60/100:0/40:0/20
D:MM:E 60/100:0/40:0/20
D:MM:E 60/100:0/40:0/20 4 free

D 100
D:MM:E 50/90:0/40:0/45
D:MM:E 0/50:0/40:30/85
D:E 0/40:60/100
D:MM:E 0/50:0/40:30/85 4 free

D:MM:E 50/90:0/40:0/45
D:MM:E 60/100:0/40:0/20
same as Young Scholar 4 free

D:E 0/20:80/100
same as LifeLine 4 free

same as Life Bond Plus 4 free
same as Life Bond Plus 4 free
D:MM:E 0/50:0/40:30/85 4 free

D:MM:E 50/90:0/40:0/45
D:MM:E 60/100:0/40:0/20
D:E 0/20:80/100
D:E 0/20:80/100 4 free

D:MM:E 60/100:0/40:0/20
D:MM:E 50/90:0/40:0/45
D:MM:E 0/50:0/40:30/85
D:E 0/40:60/100
same as Young Scholar 4 free
same as Little Master 4 free
D:MM:E 0/50:0/40:30/85 4 free

D:MM:E 50/90:0/40:0/45
D:MM:E 60/100:0/40:0/20
D:MM:E 0/50:0/40:30/85 4 free

D:MM:E 50/90:0/40:0/45
D:MM:E 60/100:0/40:0/20
D:E 0/40:60/100
D:E 0/40:60/100 4 free

D:E 20/60:40/80 500/switch thereafter
D:E 40/70:30/60
D 100
D 100
D 100
D 100
D:E 0/25:75/100 4 free

D:E 20/60:40/80
D:E 20/60:40/80
D:E 40/70:30/60
D:E 25/100:0/75
D 100
D 100
D 100
same as Safe Investment Plan II 4 free

500/switch thereafter
D:E 0/25:75/100 4 free

D 100
D:E 0/25:75/100 4 free

D:E 20/60:40/80
D 100
D:E 40/70:30/60
D:E 25/100:0/75
D 100
D 100
D 100
same as Headstart Assure Wealth 4 free

D 100 6 free
D:E 60/90:10/40
D:E 30/80:20/70
D:E 0/30:70/100
D:E 0/30:70/100
D:E 0/100:0/100
D 100
D 100
D 100 6 free
D:E 60/90:10/40
D:E 30/80:20/70
D 100 6 free
D:E 60/90:10/40
D:E 30/80:20/70
D:E 0/30:70/100
D:E 0/100:0/100
same as Life Maker Platinum 6 free

D 100 6 free
D:E 60/90:10/40
D:E 30/80:20/70
D:E 0/30:70/100
same as Life Maker Premium 6 free



D 100 .
FD 100
D:E 40/100:0/60
D:E 0/50:50/100
D:E 0/20:80/100
D 100
D 100
MM 100
E 25%,50%,100% depending on plan
MM:E 0/40:80/100 12 free

MM:E 0/40:60/100
D:E 35/65:35/65
D 100
D 100
same as Easy 4 free
MM:E 0/40:80/100 4 free

MM:E 0/40:60/100
D:E 35/65:35/65
D 100
D 100
D:E 5/40:60/95
D:E 70/90:10/30
same as Easy 12 free
same as Easy 12 free

same as Smart Plus-Single Pay 4 free
D/MM: 100 .
D:E 0/100:0/100
D:E 20/50:50/80 12 free

D:E 30/50:50/70
D 100
D:E 85:15
D:E 0/100:0/100
mainly equity 4 free

mainly debt
D:E 20/50:50/80
D:E 50/70:30/50
D 100
D:E 0/100:0/100
same as Invest Assure Plus 4 free
MM:E 0/100:0/100 4 free

D 100
D 100
D:E 20/50:50/80
D:E 50/70:30/50
D:E 0/100:0/100
same as Invest Assure Plus 12 free
same as Invest Assure Gold 12 free

MM:E 0/100:80/100
MM:E 0/100:0/100 12 free

MM:E 0/100:0/100
D:E 0/60:0/70
D:E 0/80:0/30
D 100
same as Invest Assure Gold 12 free

MM:E 0/100:80/100
D:E 85:15
DEATH BENEFIT
<10yr: 125%SA
>=10yr: 110%SA
<25K: SA
SA:1.25x to 10x
SA: 5x to (total term)x(annual premium)
SA: 1.25x to 5x
SA: 5x to 0.5x(total term)x(annual premium)

also depends on age & riders chosen



SA: 5x or min 100k
higher(SA+Fund value,Guaranteed Value)

SA=(Annual PremiumxFund)/2
higher(SA+Fund value,Guaranteed Value)

SA=(Annual PremiumxFund)/2
higher(Fund Value,SA)
min SA=5x
Fund Value+SA
min SA=5x
Fund Value+SA
min SA=5x
SA: 1.25x or 5x annual premium
min SA=5x*
Fund Value+SA
Gold: higher(assured,fund value)
Platinum:assured+fund value
SA: min 5x, max 2(total term)x(annual premium)
SA:
limited: 20x to 50x annual premium(single 1.25x to 6.25x)
wholelife: 5x annual premium to NL(single 1.1x to 6.25x)
min SA=5x
min: 6/9/12 covers max: 100covers

each cover of 10K
max( 200K,0.5x(total term)x(annual premium))

A: SA+Fund value
B: SA(increasing 25% every 5 yrs) + Fund Value
SA+max(Fund Value,Guaranteed maturity benefit)

min for 1x,2x,3x: 75k,37k5,25k
SA: min 200k

10yrs: 5x, 20yrs: 10x, 30yrs:15x
whole life:8x-20x
min SA=5x
max(fund value,premiums paid)
SA: 5x life insurance premium, min 250K

SA: 150% of single premium, min:30K
SA: max(fund value,GFV)
max(fund value,GFV,SA)
max(fund value,GFV,SA)
SA: 125% of single premium, min:25K
Basic SA+Enhanced SA
savings continue &
child becomes the insured
Lumpsum or Annuity
Single: 1.25x to 5x depending on chosen rider & age

Regular: 5x to 0.5x(total term)x(annual premium)
max(SA,Fund Value)
min 5x, max:10x,20x,30x
SA: 5x to 25x
SA: 15yr term: 1.25x, 20yr term:2x increasing @ 5% pa

higher(Fund Value/SA, initial allocation benefit)
SA: min 5x
SA+FV
SA: min 5x
SA+FV
SA: min 5x
SA+FV
SA: min 1.25x
Total Premiums paid on death/maturity
SA: min 5x
max: 5x to 30x depending on age
SA:
Regular: 19x to 34x, min 5x
Limited: 18x to 34x, min 5x
Single: 2x to 17x, min 110%
SA: 5x to 50x
SA: 5x to 50x
SA:
Single: 2x to 17x, min 110%
SA: 15x to 30x

SA+FV
SA: 5x to 20x
50% guaranteed addn on annual premium
SA: 1.1x to 5x
SA:
max(SA,Fund Value)
Double Benefit: SA paid + 100% of all future premiums paid
Triple Benefit: SA paid + 50% of all future premiums paid +

50% payout to beneficiary
in both Death Cover/Critical Illness terminates immediately
5x to 40x
same as Unit Linked Young Star II

SA=5x on death
Only 50% of regular premiums required to be paid
SA+FV
max(SA,Fund Value)
max(SA,Fund Value)
SA+FV
SA=5x
SA: 1.1x to 5x
Min: 5x, Max(total term OR 5)x(annual premium)

SA: 5x, 1.5 x Term x Annual Premium
SA: 5x, 1.5 x Term x Annual Premium
max(SA,Fund Value)
SA: min: 5x to max:0.5 x (70-entry age) x (Annualized Premium)
entry age:max SA
Upto 35: 2*T*Annual Premium
36-45: 1*T*Annual Premium
46+: 0.5*T*Annual Premium
SA: 10x
1st yr: higher(50% SA, fund value)
thereafter: higher(SA, fund value)
SA: 5x to 0.5 x (total term) x (annual premium)

higher(SA, fund value)
SA: 5x
1st yr: higher(50% SA, fund value)
thereafter: higher(SA, fund value)
SA: Annual Premium x Policy Term

SA+FV
SA: 5x
option A: higher(SA,FV)
option B: SA+FV
SA: 5x , NL
SA: 5x
SA: 5x, NL
higher(Fund Value+Fixed Advantage,SA)
SA: 5x
higher(FV,SA)
SA: 5x
100% SA to child immidiately
Fund Value will continue and will be available to the child on maturiy
SA depending on age:
Limited pay: 5x to 30x
Single pay: 1.1x to 5x
higher(FV+,SA)
SA: min 50K
higher(FV,SA)
higher(FV,SA)

min 100K
higher(FV,SA)
Min: 0.5 x Annual Premium x Policy Term, Max: Annual Premium x Policy Term
SA: 5x
100% SA paid immidiately
fund value paid on maturity
SA: 5L to 10L
Min: 0.5 x Annual Premium x Policy Term, Max: Annual Premium x Policy Term
higher(FV,SA)
SA: Single: min 1.1x to 1.25x
Regular: 5x
1. higher(FV, 50%SA)
2,3. higher(FV, 100%SA)
4+. higher(FV-partial w/d in last 24 months, 100%SA)
SA: 5x to 10x
SA: 5x to 20x
higher(FV,SA)
SA: 1.2x to 5x
Smart Plus: higher(FV,SA)
Smart Premier: SA+FV
SA: 5x to 10x
Policy continues for benefit of child
Options:
Lumpsum: All remaining future premiums credited at next policy anniversary
Regular: All remaining future premiums credited as and when due
SA: 5x
All remaining future premiums credited as and when due
SA: 5x to 110x, min 60K
limits are dependent on age
within 7yrs of inception: 100% of FV
>7yrs: higher(FV,SA)
SA: min 5x
higher(FV,SA)
SA: 5x to 10x
SA: 1.1x to 25x

higher(FV,SA)
SA: min 5x
higher(FV,SA)
SA: min 5x
higher(FV,SA)
SA: min 5x
higher(FV,SA)
SA: min: 5x, max: (total term)x(annual premium)

higher(FV,SA)
SA: 5x
higher(FV,SA)
SA: min 5x
higher(FV,SA)
COM
WITHDRAWAL POLICY PREMIUM PAYMENT

FREQUENCY
after 3yrs Single

minor partial w/d NA
min bal:5K or 1/5
after 3yrs Single
after 3yrs Regular

surrender:
0-5yrs 50%
5-6yrs 85%
6-7yrs 90%
7+yrs 100%
after 3yrs Regular
after 3yrs Regular
after 3yrs Regular
after 3yrs Regular

100%surrender
after 3yrs Regular
after 3yrs Regular

surrender 0to2yrs Regular
0% to 40%
after 3yrs surrender:
96% to 98%

0% to 40%
50% to 100%

0% to 40%
50% to 100%
after 3yrs surrender: Single

96% to 98%
fund value on surrender Y*

0% to 40%
96% to 98%

0% to 40%
96% to 98%
after 3yrs surrender: Single

96% to 98%
4PW allowed/yr Regular

surrender:YR2,3,4,5,6+:
75,85,96,98,100
surrender charge: 1%of Fund Value Regular

100%less charges after 1yr Regular
4PW allowed/yr free
surrender:YR2,3,4,5,6+:
95,97,98,99,100
surrender YRS 1,2,3:Nil single,regular

4+: 100%-charges
4PW allowed/yr free
YR4-10:
surrender charge: 1%of Fund Value
YR11+ : Nil
after 3yrs: unlimited partial & Regular

complete surrender allowed,charge:
YR1: 15%
YR2: 12.5%
YR3: 10%
YR4+: Nil
after 3yrs: unlimited partial & Regular

complete surrender allowed,charge/cover:
YR1: 900-1044
YR2: 600-696
YR3: 300-348
YR4+: Nil
4PW allowed, 2 free & .

0.5% charge thereafter
Surrender charges:1,2,3,4,5,6,7+
30,25,20,18,15,12,Nil
after 3yrs Regular

partial w/d donot reduce GFV
4PW allowed, 2 free & Regular

Surrender charges:1,2,3,4,5,6,7+
30,25,20,18,15,12,Nil
Surrender charges:1,2,3,4,5,6,7+ Regular

15,14,11,9,7,4,Nil
4PW allowed, 2 free & Single

4PW allowed, 2 free & Single
Surrender charges after 3yrs: Nil
later of 3yrs/age 18 Regular

no surrender charge after 4 yrs
2 free PW pa Single,Regular
2 free PW pa Regular
. Single
After 3 yrs Regular

2 partial withdrawals free
2 premium redirections free
on maturity 1/3Lumpsum, 2/3Annuity Single, Regular
after 3yrs Single, Regular
after 3yrs Regular
after 3yrs Regular

no surrender charge
after 5yrs, upto 5pw/yr @ 10% per pw @ 1%charge Regular

for externded term: 10% pa systematic withdrawal
surrender charges:1,2,3,4,5to9,10+:
30,20,10,5,2,0
after 3yrs Regular
surrender charges:after 4 yr/5

th th
yr: 2.5%,1%
unlimited partial w/d @ 1% charge
after 3yrs Regular
surrender charges:after 4th yr/5th yr: 2.5%,1%

after 3yrs Regular
surrender charges:after 4 yr/5

th th
yr: 2.5%,1%
after 3yrs Single

after 3yrs Regular

surrender yrs4,5,6+: 5,3,Nil
after 3yrs Regular


after 3yrs Single

after 3yrs Single

after 3yrs Single

after 3yrs Single

after 3yrs, max partial w/d: Single, Regular

4&5: 10%, 6-9:15, 10: 20%
after 3yrs Regular, Limited

After 3 yrs Single,Limited,Regular

partial w/d allowed:
YR4-5:10%, YR6-9:15%, YR10-15:20%, YR15+:25%
no surrender charge if premium paid for 1st 5yrs Single, Regular

st
no. of yrs not paid for 1 5yrs: surrender charge(in %):
4,3,2,1,0: 95,35,15,5,Nil
pw charge: no. of yrs not paid for 1st 5yrs:(in%)
2,1,0: 30,15,Nil
same as Unit Linked Young Star II Single, Regular

same as Unit Linked Young Star II Regular
Surrender charge after 1,2,3,4,5,6,7+ (in %): Single, Regular

12,10,8,6,4,2,0
Partial w/d charge: after 4,5,6 yrs (in %): 6,4,2
Partial w/d permissible ( yrs from last policy yr) in %: Regular

5,4,3,2,last: 15,15,15,75,75
Surrender for full term: less than 1,1,2,3,4,5-8,8+ (in %): Regular
100,90,60,30,20,5,1,Nil
For 3 yrs limited payment:100,90,20,10,Nil
For 5 yrs limited payment:100,90,20,10,5,5,Nil
after 3yrs Single
after 3yrs Regular

Surrender charge after <1,1,2,3 (in %): 100, 40, 20, 10, Nil
Surrender charges <1,1,2,3,4,5,6,7,8,9,10+: Regular

100,90,75,30,20,16,13,10,7,4,2,Nil
partial w/d after 10yrs Regular
Surrender charges <1,1,2,3,4,5,5+:
100,90,75,20,15,10,Nil
Surrender charges <1,1,2,3,4+: Regular

100,50,25,10,Nil
after 3yrs Regular
after 3yrs, 4 allowed pa Regular

Surrender charges <1,1,2,3,4,5,6,7,8,8+:
100,90,75,50,30,10,5,2,1,Nil

Policy 3/5 yrs: 0.5,1,2,3,4,5,6 (in %): 100,60,20,10,0,0,0
Policy 10+ yrs: 0.5,1,2,3,4,5,6 (in %): 100,90,75,50,25,10,0

Surrender charges <1,1,2,3,4,5,5+:
100,90,75,50,25,10,Nil

Surrender charges <1,1,2,3,3+:
100,90,50,10,Nil
after 4yrs free Regular

Surrender charges <1,1,2,3,4,4+:
100,90,75,25,10,Nil
After 3yrs: yr 4,5,6,7+(in %): 3,2,1,0 Regular
after 3yrs, 2 free 500/withdrawal thereafter Regular

Surrender charge after 1,2,3,4-5,6-9,10,11+ (in %):
20,15,10,5,2.5,1,0
After 3yrs: yr 4,5,6,7+(in %): 3,2,1,0 Regular

After 3yrs: 2 w/d free/yr, 500 per w/d thereafter Regular
Surrender charge after 1,2,3,4,5,6,7,8 (in %):
90,60,50,40,30,20,10,0
Limited premium 2% addnl surrender charge
After 3 yrs Regular

Surrender charge after 4,5,6,7+(in %): 3,2,1,0
2 p/w free subsequent 500 per w/d
After 3 yrs Regular

Surrender charge after 4,5,6,7+(in %): 3,2,1,0
After 3yrs: 6 free partial w/d pa, 1K per w/d thereafter Single, Limited
Surrender charges: Single premium yr:(in%):
1,2,3,4,5,6,7+: 9,8,7,6,4,2,Nil
Regular premium yr:(in%):
1,2,3,4,5,6+: 40,15,10,5,2.5,Nil
After 3yrs: 6 free partial w/d pa, 1K per w/d thereafter Regular
5% surrender charge after 3yrs
Surrender charges after 1,2,3,4,5,6,7,8,9+:
100,70,60,50,40,30,20,10,Nil
After 3 yrs: Regular

partial w/d upto 20% each year
surrender charge: 5% of fund value before 4 yrs
partial w/d upto 20% each year
Surrender charges after 1,2,3,4,5,6,7,8,9,10+:
100,34,32,30,28,26,24,20,15,Nil
After 3yrs: 6 free partial w/d pa, 1K per w/d thereafter Single
Surrender charges after 1,2,3,4,5,6,7,8+(in %):
7,6,5,4,3,2,1,0
p/w after 5yrs
After 3yrs: 6 free partial w/d pa, 1K per w/d thereafter Single
Surrender charges after 1,2,3,4,5,6,7,8,9,10+(in %):
100,34,32,30,28,26,24,20,15,Nil
After 3 yrs Single, Regular

Surrender charges: Single: YR4,5:4%,2%
Regular: depends on PPT and yr of surrender: 0% to 60%
unlimited p/w allowed
After 3 yrs Regular

Surrender after: 4,5,6,7+(in %): 20,10,5,Nil
After 3 yrs Regular

2 p/w in 4,5 yrs; 2 p/w free after 6+yrs
Surrender after yrs( in %) :
4,5,6: 0% to 35%
7+: Nil
After 3 yrs Single

After 5yrs Regular

10% p/w allowed frm yr6 to child's age turning 18
30% p/w allowed from child turning 18 to maturity
After 3 yrs surrender allowed
>1,1,2,3,4,5,6,6+(in%): 100,75,70,60,50,40,30,Nil
4 p/w free pa Regular

>1,1,2,3,4,4+(in%): 100,90,50,25,10,Nil
2 free PW pa, 250 thereafter Regular
4,5,6,7,8,9,10,11+(in %): 70,60,50,40,30,20,10,0
After 3 yrs: Surrender charge yr(in%): Regular

4,5,6-10: 10,5,0
4 p/w free pa
After 3 yrs: Surrender charge yr(in%): Regular

4,5,6,7+: 30,20,10,Nil
4 p/w free pa
After 3 yrs Single
After 3 yrs Regular

4 p/w free pa
Surrender after yrs( in %) :
4,5,6,7+: 12/30, 2/16, 2/10, Nil
After 3 yrs: yr(in %): Regular

4,5,6+: 75,50,0

4,5,6,7+: 30,20,10,0
no p/w charges

4,5,6,7,8+: 10, 7/9, 5/7, 0/5, 0
no p/w charges

4,5,6,7+:25,15,10,0
no p/w charges

4,5,6,7,8+: 10/25, 5/15, 0/10, 0/5, 0
no p/w charges
COMPULSORY CHARGES
PREMIUM ALLOC CHARGE FUND MGMT CHARGE
2% initially 1: 1.25%
2,3: 1.75%
4,5: 0.95%
. 2.75%
YR1: 50% 1,6,7: 1.75%

YR-2,3: 3% 2,5: 1.25%
YR-4+: 2% 3,4: 0.95%
YR1: 55% same as New Family Gain

YR2to5: 4%
YR6to13: 2%
YR14+: 0%
YR1: 14.5%-17% 1,4: 1.75%

YR2,3: 5% 2: 1.25%
YR4,5: 4% 3: 0.95%
YR6+: 2%
YR1: 15%-25% same as New Family Gain

YR2to5: 6%
YR6+: 2%
YR1: 24% 4,5: 1.75%

YR2: 3% 1: 1.25%
YR3+: 2% 2,3: 0.95%

YR2to5: 3%
YR6+: nil

YR2to5: 3%
YR6+: nil
YR1: 18%-20% 1,2,3,8: 1.5%
YR2to5: 5% 4,5: 1%
YR6to10: 2% 6,7: 0.75%
YR11+:1%
YR1: 55% 1.25%

YR2: 20%
YR3+: 3%
YR1: 35% 1.25%

YR2: 15%
YR3+: 3%
50K-100K: 4% same as SmartKid ULRP

100k-500k: 2%
500k+: 0%
YR2TO3: 5% 1,2,3: 1.5%

YR4TO5: 2% 4,5: 1%
YR6TO10: 1% 6,7: 0.75%
YR10+: Nil
YR1: 25% same as SmartKid ULRP

YR2,3: 12%
YR4-10: 2%
YR11+:Nil
YR1: 10%-20% same as SmartKid ULRP

YR2: 7.5%
YR3+: 4%
25K-50K: 4% same as LifeStage Assure

50K-100K:3%
100K-500K:2%
500K+: 1%
YR1: 15%-18% 1,2: 1.5%

YR2,3: 5% 4: 1.35%
YR4-7: 2% 5: 1.25%
YR8+:1% 3: 1%
YR1: 15% 1: 1.5%

YR2,3: 10% 2: 1%
YR4+: 5% 3: 0.75%
YR1: 5%-10% 2: 1.35%
YR2,3: 3-7% 1: 1.1%
YR4+: 1%-3% 3: 1.25%
4: 1%
Single: same as ChildPlan

40k-100k: 2%
100k-500k: 1.5%
500k+: 1%
Regular:
YR1: 10%-25%
YR2TO3: 3%-7.5%
YR4TO5: 3%-5%
YR6+: 2%
YR1: 8% 9: 1.75%
YR2,3: 4% 7,8: 1.5%
YR4+: Nil 5,6: 1.25%
1,2,3,4: 1%
Nil same as Gold Plus II
YR1: 5% same as Gold Plus II

YR2: 2%
Nil 3: 1.25%
1,2: 1%

YR2,3: 4%
YR4+: 2%
YR1: 27.5% 1.25%

YR2-5: 5%
YR6+: 2.2%
3.50% same as Gold Plus II

YR2: 1.5%
YR3:1.25%
YR4: 1%
YR5+: Nil
YR1: 54.5%-65% same as Dream Plan

YR2,3: 7.5%
YR4+: 5%
Single: 3% same as Dream Plan

Regular:
YR1: 29.9%-65%
YR2,3: 5%-7.5%
YR4+: 5%
YR1: 54.5%-65% same as Dream Plan

YR2,3: 7.5%
YR4+: 5%
2.50% same as Dream Plan
Nil 1.00%
Single: 3.3% 4: 1.5%

Regular: 3: 1.25%
YR1: 13.5%-16.5% 2: 1%
YR2+: 2.5% 1: 0.75%
Single: < 400K 5% same as Market Plus I

> 400K 4.5%
Regular:
PTT 3,4: YR1 9%-10.5% YR2:2.5%
PTT 5: YR1 22.5%-24% YR2: 4%
YR1: 13.5%-15% same as Market Plus I

YR2+: 2.5%
YR1: 23%-26.5% 4: 1.2%

YR2,3: 5% 3: 1%
YR4+: 2.5% 2: 0.8%
1: 0.6%
Single: < 100K 4.25% same as Market Plus I

>100K 4%
Regular:
YR1: 27.5%-29%
YR2,3: 5%
YR4+: 2.5%
YR1: 30% 5: 1.5%

YR2to5: 5% 3,4: 1.25%
YR6+:1% 2: 1%
1: 0.75%
YR1: 14% same as Prime Life
YR2: 4%
YR3+: 2%
YR1: 14% same as Prime Life
YR2: 4%
YR3+: 2%
YR1:45% same as Prime Life
YR2,3: 7.5%
YR4: 4%
4.50% same as Prime Life
YR1: 30% D:1.35%, E:1.38%,

YR2: 7% F:1.4%, RS:1.25%
YR3+: 5% C:1.3%
1STYR: 11%-40% 1,2,3: 1.25%

YR 2,3,4+: 15%,13%,3% 4,5,6,7,8: 1.5%
C:1.3%
1st yr: 10% TO 30% A: 1.45%, B: 1.38%

automatic investment option: 2.5% to 7.5% others as in Super Invest Assure Plus
2nd y+: Single-2%, Regular-5%
1st yr: 10% TO 15% Same as Super Invest Assure Plus

2nd y+: 5%
2nd y+: 5%

2nd y+: 5%
Single: 2%
1st yr: 6%, 2nd y+: Nil Same as Super Invest Assure Plus
1st yr: 80% Same as Super Invest Assure Plus

2nd yr+: 5%
Classic/Silver/Gold/Diamond/Platinum: Same as Super Invest Assure Plus

(in %) 5,4,3,2,1
Exchange Option(in %) 3,2.5,2,1.5,0.5
1STYR: 10%-35% 1.50%

2NDYR+: 2%
YR1: 20% to 25% Fund G 1.25% p.a.

YR2: 7% Fund H 1.25% p.a.
YR3-10: 5% Equity Fund 1.50% p.a.
YR11+: Nil Return Shield Fund (Fund I) 1.25% p.a.
Single: 3% Infrastructure Fund 1.50% p.a.
Energy Fund 1.50% p.a.
Midcap Fund 1.50% p.a.
Pure Equity Fund 1.50% p.a
Regular: 1.25%
1ST,2ND YR: 9%-41%

3RD YR+: 2%-8%
Single:
1ST,2ND YR: 2.5%, 3RD YR: 2%
Regular: 1.25%
1ST: 10%-66%
2ND YR: 7%-13%
3RD YR+: 2%-8%
Single:
1ST,2ND YR: 2.5%, 3RD YR: 2%
Regular: 1.25%
1STYR: 40%
2NDYR:30%-40%
3RDYR: 2%
Single: 2%-2.5%
1ST,2ND YR: 20% 1.25%

3RD YR: 10%
4TH YR: 2%
Regular: 1.25%
1STYR: 40%
2NDYR:30%-40%
3RDYR: 2%
Single: 2%-2.5%
1STYR: 40% 1.25%

2NDYR:30%-40%
3RDYR: 2%
1STYR: 40% 1.25%

2NDYR:30%-40%
3RDYR: 2%
1ST YR: 0.5%-13% 1.75%
1ST YR: 20% 1,4: 1.5%

2ND YR,3RD YR: 9% to 16% 2: 1.25%
4TH YR+: 2% 3: 1%
for paying term 3 to 5 yrs: 1,2: 1%

1ST YR: 10% 3: 1.25%
2ND YR,3RD YR+: 4% , 2% 4: 1.5%
Regular Premium: 5: 1.75%
1ST YR: 16%-20%
2,3,4,5,6+ YRS(in %): 10,5,2,1
Option A: 0.5%-5.5% 1. 1.5%

Option B: 1%-5% 2. 1.25%
3 1%
0 same as Young Scholar

6. 0.75%
1ST YR: 60% same as LifeLine

2ND YR: 40%
3RD YR: 7.5%
4TH YR+: 5%
term : yrs1-3 : yr4+ same as Life Bond Plus
10 : 15% : 5%
15 : 17.5% : 5%
20 : 20% : 5%
1ST YR: 24%-50% same as Life Bond Plus

2ND YR: 20%-35%
3RD YR: 10%-25%
4TH YR+: 5%
1ST YR: 100% towards future loyalty addns 1. 1.5%

2ND YR+: 2% 2. 1.25%
3 1%
4. 0.75%
4% to 6% 1. 0.75%
2 1%
3. 1.25%
4. 1.5%
5. 1.75%
1ST YR: 8% to 28% same as Young Scholar

2ND YR: 2% to 10%
3-5YRS: 2% to 5%
6+YRS: Nil
YR1: 25% to 45% same as Little Master

YR2: 20% to 30%
YR3: 5%
YR4: 2%
Nil 1,3: 1.5%

2: 1.25%
Nil 1. 1.5%
2. 1.25%
3 1%
4. 1.75%
1ST YR: 14% 1. 1.6%

YR2+: 3.5% 2. 1.5%
3. 1.3%
4,5: 1.2%
6: 1%
7 1%
YR1: 2%-9% 1 2%
YR2: 2% 2. 1.6%
YR3+: 0% 3,4: 1.5%
5. 1.3%
6. 1.75%
7,8: 1.2%
9: 1%
YR1: 28% to 65% same as Safe Investment Plan II

YR2+: 4.375%
YR1: no allocation due to 1 2%

guaranteeing assured addition 2. 1.75%
YR2-5: 0%-2% 3: 1.2%
YR6-10: 0%-1%
YR11+: Nil
YR1: 19.5%-36% 1 2%
YR2: 7%-14% 2. 1.6%
YR3: 4%-7% 3: 1.5%
YR4-10: 1% 4. 0.6%
YR11+: Nil 5. 1.3%
6. 1.75%
7,8: 1.2%
9: 1%
same as Headstart Assure Wealth same as Headstart Assure Wealth
Single: 7% 1,2,9. 0.9%

Regular: 1ST YR: 16% to 20% 3. 1.1%
2ND YR+: 3% 4,8: 1.25%
5,6: 1.35%
7: 1.6%
YR1: 55% to 65% 1,2: 0.9%

YR2: 20% 3. 1.1%
YR3+: 5% 4: 1.25%
YR1: 0% to 20% 1,2. 0.9%

YR3+: 2% 3. 1.1%
4: 1.25%
5: 1.35%
6: 1.6%
YR1: 55%-65% same as Life Maker Platinum

YR2: 20%
YR3+: 5%
YR1: 21% to 25% 1,2. 0.9%

YR2: 10% 3. 1.1%
YR3: 5% 4: 1.25%
YR4: 2% 5: 1.35%
YR1: 26% to 30% same as Life Maker Premium

YR2: 2%
Band1: 5% same as Life Maker Premium

Band2: 4%
YR1: 26% to 30% same as Life Maker Premium

YR2: 2%
Depending on premium payable & PPT 1,8: 1%

1.5% to 4% 2,6: 1.5%
3: 2.25%
4: 2%
5: 1.75%
7: 1.25%
YR1: 27%-40% 1,2: 1.75%

YR2: 10% 3: 1.5%
YR3: 6%-9% 4,5: 1.25%
YR4+: 2.5%-5%
YR1: 5% to 22% same as Easy

YR2+: 2% to 5%
3% to 3.5% 1,2,6: 1.75%

3,7: 1.5%
4,5: 1.25%
YR1: 15% same as Easy

YR2: 10%
YR3+: 2%
YR1,2: 31% to 45% same as Easy

YR3+: 0%
YR1-10: 5%-6% same as Smart Plus-Single Pay
YR2+: 2%-2.5%
YR1: 9.5% 1. 0.95%

YR2,3: 4% 2. 1.45%
YR4+: Nil
YR1: 40% 1: 1.6%

YR2: 20% 2: 1.4%
YR3+: 3% 3: 0.9%
4: 1.5%
5: 1.45%
0.25% to 6% 1: 1.75%
2: 1.25%
3: 1.6%
4: 1.4%
5: 0.9%
6: 1.45%
depends on term same as Invest Assure Plus

YR1: 17.5% TO 50%
YR2: 12.5%-25%
YR3+: 1%
YR1: 22% 1. 1.2%

YR2-10: 4% 2. 0.8%
YR11+: Nil 3. 0.65%
4. 1.1%
5 1%
6. 1.45%
YR1: 40% same as Invest Assure Plus

YR2: 20%
YR3+: 3%
YR1: 100% same as Invest Assure Gold

YR2-3: 0%-8% 7. 1.2%
YR4-5: 0%-5%
YR6-9: 0%-3%
YR10+: Nil
YR1: 9% 1.2% for all funds

YR2+: 1%
YR1,2: 1.5%-19% same as Invest Assure Gold

YR3-5: 1.5%-3% 7. 1.2%
YR6+: Nil 8. 1.5%
Charges (For
Charges (For 1st 3 1st 3 Years,
Years, 25Kpremium,
25Kpremium, 10 10 years,
years, 100% debt 100% equity
POLICY ADMIN CHARGE fund) fund) TOPUP PREMIUM CHARGE
<25K: 300pa, 5%inflating 3725 4925 .

>25K: 600pa, 5%inflating
600pa, 5%inflating * NA .
30/MTH=360 16255 17455 0.00%
630pa, 5%inflating 17852.5 19765 .
600pa, 5%inflating 8512.5 9112.5 .
630pa, 5%inflating 12315 13515 2.00%
252pa, 5%inflating 9431 10631 .
630pa, 5%inflating 19815 21015 2.00%
630pa, 5%inflating 19815 21015 2.00%

60/MTH=360 8955 10080 .
40/MTH=480 17790 NA .
40/MTH=480 12790 NA .
20/MTH=240 NA NA .
60/MTH=720 30785 * .
31910
60/MTH=720 for Y,HY 15535 16660 .

90/MTH=1080 for M
. 9000 10125 1.00%
40/MTH=480 3002.5 3565 .
60/MTH=720,2% inflating 10660 11410 .
70/MTH=840,2% inflating 12395 13520 1.00%

60/MTH=720 NA NA .
60/MTH=720 Single Single 1.00%

3410 3785
Regular Regular
13035 13785
basic charges+5% inflating NA NA 2.00%

YR1to3: 19.4/K
YR4+: 14.4/K
basic charges+5% inflating 3675 4800 .

YR1to3: 25-29/cover
YR4+: 2.5-4/cover
plus 40 for 1st cover
3 to 8.35 per K pa 3876.25 5001.25 .
depending on maturity option * NA 2.00%

and no. of yrs of policy
0 to 6.1 per K pa 6707.5 7832.5 .
60/MTH=720 10410 NA .
30/MTH=360 NA NA 2.00%
20K-50K: 35/MTH 2042.5 2605 .
50K-100K: 25/MTH
100K+: 20/MTH
for 1st 100K/excess of 100K: per 1K 16696 NA .

YR1: 5.52/2.88
YR2: 17.88/15.24
YR3+: 5.52/2.88

YR1: 5.52/2.88
YR2: 17.88/15.24
YR3+: 5.52/2.88

YR1: 5.52/2.88
YR2: 17.88/15.24
YR3+: 5.52/2.88

16.2/4.2
Based on SA, Year, Band * * 2.00%

& Guaranteed Maturity option chosen
YR1: 60/MTH=720 Single Single 1.25%

YR2+: 20/MTH=240 2587.5 3150
Regular Regular
7700 8825
. Single Single .
3012.5 3575
Regular PPT3 Regular PPT3
6075 7200
Regular PPT5 Regular PPT5
10075 11200
. 8450 .
YR1: 60/MTH=720 11225 12125 .

YR2+: 20/MTH=240 inflating @ 3%
. Single Single .
2712.5 3387.5
Regular Regular
11850 13200
1250 in 1st month, 13625 14750 1.00%

50/MTH=600 thereafter
initial charges: 1K+2/k 8975 10100 0.75%
50/MTH=600, 5% inflating
initial charges: 1K+2/k 8975 10100 0.75%
initial charges: 700+50/100k 17775 18900 less than/more than 1cr: 1%,0.5%
25/MTH=300
initial charges: 1K+2/k 4537.5 5100 0.75%

40/MTH=480 12877.5 NA 2.00%
50/MTH=600 20675 21050 2.00%
40/MTH=480 17565 17940 .
40/MTH=480* 8627.5 8815 5.00%

40/MTH=480* 8627.5 8815 5.00%
40/MTH=480 10815 11190 2.00%
80/MTH=960 4877.5 5065 .
50/MTH=600 25237.5 25425 2.00%
1st yr: 60/MTH=720 6180 * 2.00%

2nd yr+: 40/MTH=480
50/MTH=600 14175 NA 2.00%
Regular: 40/MTH=480 Regular Regular 3.00%

Limited: 35 or 40 per MTH 12565 12940
Single:35/MTH=420 Limited Limited
12565 12940
Single Single
2947.5 3135
60/MTH=360 20705 20705 .
60/MTH=360 20205 20205 .

60/MTH=360 20955 20955 on single: 2% to 2.5%
60/MTH=360 15455 15455 .
60/MTH=360 22205 22205 .
60/MTH=360 20955 20955 .
60/MTH=360 20955 20955 .
20/MTH=240 6595 6595 .
54/MTH=648, 5% inflating 12944 13694 2.00%
55/MTH=660, 5% inflating Regular Regular 2.00%

12230 13355
28/MTH=336 3008 3383 2.00%
YRS 1-3: 1.5%-2.25% 3937.5 4687.5 0.00%

YR4 till PPT: 0.3%-0.5%
PPT onwards: 0.1%-0.3%
73/MTH=876, 5% inflating 30628 31753 2.00%

0.02% to 0.4% 19575 20700 2.00%
73/MTH=876, 5% inflating 21253 22378 2.00%
52/MTH=624, 5% inflating 28997 30122 2.00%
YR : charges pm on SA 10125 11625 2.00%

1. 1% to 1.25%
2,3. 0.15% to 0.25%
4+: 0.05%
69/MTH=828, 5% inflating 12359 13859 2.00%
54/MTH=648, 5% inflating 18069 19569 2.00%
YR : charges pm on SA 4897.5 5085 0.00%

1,2: 0.13%-0.33%
3: 0.03%-0.16%
YR1: 0.9%-1.1% 10500 11062.5 0.00%

YR2: 0.8%-0.95%
YR3+: 0.12%-0.15%
YR1:<20k: 7%, >20k:3% 10000 10900 2.50%

YR2+: <20k: 4%, >20k:2%
65/MTH=780, 5% inflating NA NA 2.00%

waived for premiums above 10L
YR1:<20k: 7%, >20k:3% 17937.5 18837.5 2.50%

YR2+: <20k: 4%, >20k:2%
65/MTH=780, 5% inflating 30140 31340 1.00%
less than 1 lakh premium pa: 13860 15360 1.00%

YR1: 75/MTH=900
YR2: 40/MTH=480
After PPT: 30/MTH=360
more than 1 lakh premium pa:

no charges
same as Headstart Assure Wealth 13860 15360 1.00%
Single: 50/MTH=600 NA NA 2.00%

Regular: 100/MTH=1200
50/MTH=600, inflating 5% 23150 23675 3.00%
50/MTH=600, inflating 5% 9150 10200 2.00%
50/MTH=600, inflating 5% 23150 23675 3.00%
YR1-3: 9.5% to 12% 20350 21025 2.00%

YR4+: 0.5% to 5%
50/MTH=600 11650 12175 2.00%
50/MTH=600 3725 3987.5 2.00%
50/MTH=600 11650 12175 2.00%
60/MTH=360 5205 7080 0% to 1.5%
YR1: 150/MTH 13645 14395 3.50%

YR2+: 60/MTH
Month1: 540 to 1300 11155 11905 3.50%

Month 2+: 60 to 100
Nil NA NA 2.00%
NA NA
depending on SA 10162.5 10537.5 2.50%

YR1,2: 1.35%-2.7%
YR3+: 0.3%-0.6%
YR1: 1320 to 4800 20075 20825 2.50%

YR2+: 70 to 400
YR1: 200/MTH=2400 10575 11325 3.50%
YR2+: 75/MTH=900
94/MTH=1128 NA NA .
50/MTH=600 18900 19950 1.50%
25/MTH=300 3075 3712.5 1.50%
38/MTH=456 dependent on age NA 1.50%
38/MTH=456 NA NA 1.50%
50/MTH=600 18900 20175 1.50%
YR1:NA 31535 33185 1.50%

YR2+: <50K 65/MTH=780
>50K 150/MTH=1800
78/MTH=936 7358 7358 1.50%
YR1: 75/MTH to 300/MTH 9950 11600 1.50%

YR2+: 75/MTH
TAX BENEFITS BENEFITS AVAILABLE/LIMITING FACTORS
80C, 10(10)D 98% premium allocated
80C, 10(10)D 105% of premium allocated
80C, 10(10)D No top up charges
80C, 80D, 10(10)D 1. loyalty: 51% of 1st yr premium over 10 yrs

2. Wheel of life portfolio strategy
3. Max 3yrs premium holiday
80C, 80D, 10(10)D 1. options:

SILVER: 15k-50k,GOLD: 50k-100k
DIAMOND: 100k-500k,PLATINUM: 500k+
2. Max 3yrs premium holiday
80C, 80D, 10(10)D Topup Premium allocation charge: 2%
80C, 80D, 10(10)D 1. Min balance after withdrawal=125%x1yr premium

80C, 10(10)D 1. Min balance after withdrawal=2x annual premium

2. Topup Premium allocation charge: 2%
3. No loyalty units on topups
5. On death,nominee gets SA+fund amt remains invested
80C, 10(10)D 1. Min balance after withdrawal=2x annual premium

2. Topup Premium allocation charge: 2%
3. No loyalty units on topups
5. On death,nominee gets SA+fund amt remains invested
80C, 80D, 10(10)D 1. Automatic Transfer Option

2. After 5yrs optional w/d @ max 25%pa
3. Cover Continuance Option
80C, 10(10)D .
80C, 10(10)D 1. Automatic Transfer Option

2. In 4th & 5th yr max 20%pa w/d, 6th o/w no restriction
80C, 10(10)D 1. Only 1 Partial w/d allowed/yr

2. Automatic Transfer Option
80C, 10(10)D 1. Life Cycle Portfolio Strategy

2. Portfolio strategy can be changed upto 4yrs in policy term
3. Partial w/d after 7yrs max 20%pa
4. Guaranteed maturity additions
5. Post maturity monthly payout option available
80C, 80D, 10(10)D 1. 12% of annual premium as bonus units every 5yrs
3. Cover Continuance Option
3. Partial w/d after 4yrs max 20%pa
80C, 80D, 10(10)D 1. Topup Premium allocation charge: 1%

80C, 10(10)D 1. Policy alteration charge 250

80C, 80D, 10(10)D 1. Topup doesnot increase SA

2. SA lumpsum payout
3 Premium payor benefit waiver
4. Loyalty units on child turning 18
80C, 10(10)D 1. Topup Premium allocation charge: 1%

2. Life cover till 5yrs from unpaid date after 3yrs
3. Automatic Asset Reallocation
80C, 80D, 10(10)D .
80C, 80D, 10(10)D 1. Topup Premium allocation charge: 1%

2. Guaranteed additions in 8,15,20th yrs
80C, 10(10)D 1. Topup Premium allocation charge: 2%
80C, 10(10)D 1. No health tests req if 3 health related statements provided

2. Instant policy cover
80C, 10(10)D 1. Two different Death benefits choices available
80C, 10(10)D 1. 3% guaranteed returns

2. 1x,2x,3x GFV options available after upto 5yrs from maturity
3. Enhanced SA option available
80C, 80D, 10(10)D .
80C, 10(10)D
80C, 80D, 10(10)D 1. Guaranteed addn of units at the end of 10yrs & every 5yrs thereafter
80C, 10(10)D 1. Guaranteed addn of units at the end of 10yrs & every 5yrs thereafter
80C, 80D, 10(10)D 1. 3% guaranteed returns

2. Regular payouts every 5 yrs: policy duration / % of max(SA,GFV)
10: 30% , 15: 25% , 20: 20%, 25: 15%
80C, 10(10)D 1. No medical tests required
80C, 10(10)D 1. 1x,2x,3x Guarnateed Maturity Options Available
80C, 80D, 10(10)D .
80C, 10(10)D .
80C, 10(10)D .
80C, 10(10)D .
80C, 10(10)D .
80C, 10(10)D 1. Increasing SA

2. Option to extend policy for upto 10 yrs
3. Return of initial allocation charges
80C, 10(10)D .
80C, 10(10)D .
80C, 10(10)D 1. On completion of 10,15,20,25 yrs: 25% of portfolio value
80C, 10(10)D .
80C, 10(10)D 1. Exchange options to move betw Reliance ULIP products

2. 100/selection of Return Shield
80C,80D,10(10)D 1. Guaranteed addns @2.5% of annual premium from 4th yr till maturity
80C,80D,10(10)D 2/K misc. charge
80C, 10(10)D 2/K misc. charge

Payout options: Annuity/Annity+FV on death/Annuity for 10/15/20 yrs
Payout options: Annuity/Annity+FV on death/Annuity for 10/15/20 yrs
80C, 80D, 10(10)D 1. Reduced allocation charges for policy switched from other policies
2. Loyalty additions 1% every yr in addn to 1% of premium by co. for using for funding of e a/c
3. 2/K misc. charge
4. 95% of premiums assured under Return Shield Fund
80C, 80D, 10(10)D .
80C, 80D, 10(10)D Loyalty Units are added every year @ 0.1% annual value in ULYS PLUS II
80C, 10(10)D 1.Loyalty Addition on maturity or death at annual: 70%, monthly: 80% of origainal annual premium
provided NO PARTIAL W/D have been made
2. No medicals required if disclosure filled
3. Can be sold to persons having non minor nominees
80C, 10(10)D 1.Policy available only if no other HDFC LI policy taken
80C, 80D, 10(10)D 1. Life option: Death

2. Extra Life Option: Death+Accidental Death
3. Life & Health Option: Death+Critical Illness
4. Extra Life & Health Option: Death+Critical Illness+Accidental Death
5. Loyalty Units are added every year @ 0.1% annual value in ULE PLUS II
80C, 10(10)D 1. Increasing SA every year
80C, 10(10)D 1.Bumper Addition on maturity or death at annual: 70%, monthly: 80% of origainal annual premium
80C, 10(10)D 1. Loyalty Units are added every year @ 0.1% annual value
80C, 80D, 10(10)D 1. upto 8% guaranteed additional units at maturity
80C, 80D, 10(10)D 1. Systematic transfer plan available for exiting equity plans
2. Loyalty additions at the end of every 5 yrs(in %): 0.5,1,1.5,2,2.5
80C, 10(10)D .
80C, 10(10)D 1. Additions at 1% to 1.75% at various intervals throughout the life

2. Premium holiday option after 5 yrs
3. Systematic transfer plan available for exiting equity plans
80C, 80D, 10(10)D 1. Loyalty Units added every 15th and 30th yr
80C, 10(10)D 1. 4% to 7% loyalty additions on maturity if all premiums paid
80C, 80D, 10(10)D 1. 1% addition on maturity
80C, 10(10)D 1. Loyalty during term and maturity @ 0% to 4.75%

2. Weekly/Monthly STP available for transfer from Equity to Debt funds
80C, 10(10)D 1. Loyalty addition on maturity 5% to 125% of annual premium

3. SA upto 18 lakhs doesnot need any medical tests
80C, 80D, 10(10)D 1. Loyalty addition 10th yr end: 5%, subsequent every 5yrs: 3.5%
80C, 10(10)D 1. Loyalty additions at maturity: 2% to 6%

2. Guaranteed returns of 3% compounded
80C, 10(10)D 1. 6 months to 2 yrs optional premium holiday available

2. Loyalty additions at 2% to 9%
3. Guaranteed returns of 3% compounded
80C, 10(10)D 1. Loyalty addition between 6% to 8%

80C,80D,10(10)D 1. Automatic Cover Maintainence Facility

2. Settlement option to receive the maturity proceeds
80C, 10(10)D 1. Shield A/C: higher(Guaranteed Maturity Value,Fund Value) + Topup Fund Value
Dynamic A/C: Fund Value + Topup Fund Value
Combination of Accounts: higher(Guaranteed Maturity Value,Fund Value) in Shiels A/C +
Fund Value in dynamic A/C + Topup Fund Value
2. Option to reduce annual premium to min 20K from 4th yr onwards
80C,80D,10(10)D 1. Automatic Cover Maintainence Facility

2. Settlement option to receive the maturity proceeds
80C, 10(10)D 1. Guaranteed return as % of your first year premium for terms 3/5,10,15,20,25,30:
100, 110, 135, 175, 225, 275
2. Assured bonus at the end of regular intervals, at the end of 10,15,20,25,30yrs(in%):
1.1, 1.35, 1.75, 2.25, 2.75
3. Automatic Cover Maintainence Facility
80C, 80D, 10(10)D 1. Option to save for 2 children

2. Loyalty additions at 1%,1.5% and 2% at the end of 10,15,20 yrs
3. Automatic Cover Maintainence
80C, 80D, 10(10)D 1. Option to save for 2 children

2. Loyalty additions at 1%,1.5% and 2% at the end of 10,15,20 yrs
3. Automatic Cover Maintainence
80C, 80D, 10(10)D 1. Bonus on last 5 yrs of policy:

Single Premium: 0.4%, 3/5pay: 4%
80C, 80D, 10(10)D .
80C, 10(10)D 1. Dynamic Fund Allocation available which helps in age based debt:equity auto balancing
80C, 80D, 10(10)D 1. Option to increase SA on any policy anniversary

2. Loyalty Bonus of 2.5% of annual premium added on maturity if all premiums paid
80C, 80D, 10(10)D 1. Option to increase SA on any policy anniversary

80C, 10(10)D .
80C, 10(10)D .
80C, 80D, 10(10)D .
80C, 80D, 10(10)D 1.Terminal Illness Benefit payable if diagonised with terminal disease
80C, 10(10)D 1. Loyalty additions: 10,15,20yr terms: 25%,100%,150%
80C, 80D, 10(10)D 1. Loyalty additions: 10yrs: 7,10yrs: 7%,18%

Loyalty additions: 20yrs: 10,15,20yrs: 10%,15%,35%
80C, 80D, 10(10)D .
80C, 80D, 10(10)D 1. Loyalty additions at maturity: 1% to 6%

2. Total & permanent disability rider inbuilt
3. Payout term 1 to 5 yrs
4. Payout options Y,HY,Q,M
5. Refer to death benefits
80C, 10(10)D 1. Loyalty addition from yr6 till maturity: 4.5% to 12.4%
2. Refer to death benefits
3. Payout term 1 to 5 yrs
4. Payout options Y,HY,Q,M
80C, 80D, 10(10)D .
80C, 10(10)D .
80C, 10(10)D 1. Lumpsum or staggered payout options
80C, 10(10)D .
80C, 80D, 10(10)D 1. Premium holiday option for 5yrs
80C, 80D, 10(10)D 1. Loyalty 0.25% of annual premium after every 5yrs
2. Premium holiday option for 5yrs
80C, 80D, 10(10)D 1. Inbuilt Critical Illness Benefit Rider
80C, 80D, 10(10)D .
80C, 10(10)D 1.Loyalty of 5% of annual premium
80C, 10(10)D 1. Premium holiday option for 5yrs

RIDERS AVAILABLE
1. Accidental Death Benefit

2. Accidental Permanent Total & Partial Disability Benefit

3. Critical Illness Benefit
4. Hospital Cash Benefit
5. Waiver of Premium
6. Family Income Benefit

same as New Family Gain

5. Mahila Gain

1. Income Benefit
2. Accidental Death & Disability Benefit


1. Accidental Death & Permanent Disability Benefit

.

1. Inbuilt Accidental Total Permanent Disability benefit
1. Accidental Total Permanent Disability benefit
1. Accidental Death and Dismemberment Rider

2. Term Rider
3. Critical Illness Rider
4. Critical Illness Plus Rider
5. Critical Illness Woman Rider
6. Waiver of Premium Rider

2. Term Rider
.

2. Term Rider

2. Term Rider
1. Accidental Death & Dismemberment Benefit Rider
1. Life Cover
2. Accident benefit
.
.
1. Accidental Coverage inbuilt@ 0.16/k pm

2. Term Rider
1. Major Surgical Benefit

2. Critical Condition Benefit
3. Term Rider

3. Term Rider
.
3. Term Rider

3. Term Rider

3. Term Rider

3. Term Rider
1.Critical Illness Rider
1.Critical Illness Rider

.

1. Comprehensive Health Benefit

2. Income Benefit
1. Comprehensive Health Benefit

2. Income Benefit
1. Accidental Death & Dismemberment Benefit

.




2. Family Income Benefit
1. Term/Preferred Term Benefit

3. Permanent Disability Benefit
5. Life Guardian Benefit
6. Accidental Disability Guardian Benefit
1. Term/Preferred Term Benefit

5. Life Guardian Benefit
6. Accidental Disability Guardian Benefit
1.Accidental Death Benefit

1.Accidental Death Benefit

1. Accidental Benefit Rider

2. Dread Disease Rider



.
1. Health Benefits
-major diseases benefit
-hospital cash benefit
2. Accident and Disability Benefits
1. Total and Permanent Disability Charge


.
1. Accidental Death Benefit Rider


5 Payor Benefit Rider (for Juveniles)

3. Payor Benefit Rider

3. Payor Benefit Rider
.
Children's Plans
COMPANY PRODUCT AGE GROUP
Birla Sunlife Children's Dream Plan Entry: Parent:18 to 60

Guaranteed 3% addn Maturity: 75
Entry: Child: 0 to 13
Maturity: 18-age of child @ entry
ICICI Pru SmartKid ULRP Entry: parent:20 to 60

Maturity: 75
Entry: child:0 to 15
Maturity: 19/25
MINIMUM PREMIUM TERM PLANS AVAILABLE
Guaranteed maturity Benefit/min amt 18-age of child @ entry 1. Protector Low

100%: 75K 2. Builder Low
200%: 37500 3. Enhancer Medium
300%: 25K
Child's Age 100% option 200% option
18 100% 100%
19-23 . 20%
total 100% 200%
10K pa 10 to 25 1. R.I.C.H HIGH

2. Multiplier HIGH
5 Balancer MODERATE
6. Protector LOW
BLE SWITCH POLICY DEATH BENEFIT WITHDRAWAL POLICY
D:E 90/100:0/10 2 free Basic SA+Enhanced SA After 3 yrs

D:E 80/90:10/20 savings continue & 2 partial withdrawals free
D:E 65/80:20/35 child becomes the insured 2 premium redirections free
300% option
100%
25%
300%
D:E 0/20:80/100 4 free 5x or min 100k surrender 0to2yrs

D:E 0/20:80/100 0% to 40%
D:E 0/20:80/100 after 3yrs surrender:
D:E 40/100:0/60 96% to 98%
D:E 60/100:0/40
D+MM 100
D:MM 0/50:50/100
D+MM 100
PREMIUM PAYMENT PREMIUM ALLOC CHARGE FUND MGMT CHARGE
Regular Nil 1.00%
Y,HY,M YR1: 18%-20% 1,2,3,8: 1.5%

YR2to5: 5% 4,5: 1%
YR6to10: 2% 6,7: 0.75%
YR11+:1%
POLICY ADMIN CHARGE TOPUP PREMIUM CHARGE TAX BENEFITS
Based on SA, Year, Band 2.00% 80C, 10(10)D

& Guaranteed Maturity option chosen
60/MTH=360 . 80C, 80D, 10(10)D

BENEFITS AVAILABLE/LIMITING FACTORS RIDERS AVAILABLE
1. 1x,2x,3x Guarnateed Maturity Options Available 1. Accidental Death & Dismemberment Benefit Rider
1. Automatic Transfer Option 1. Income Benefit

2. After 5yrs optional w/d @ max 25%pa 2. Accidental Death & Disability Benefit
3. Cover Continuance Option 3. Waiver of Premium
Equity Plans
Company Plan Name Risk Profile
1. Bajaj Allianz 1. Equity Index Fund II 85E,15FD+MM

2. Equity Growth Fund 80E,20FD+MM
3. Pure Stock Fund exc: 80E,20FD+MM
4. Premier Equity Index Fund II D:E 0/15:85/100
5. Premier Equity Growth Fund D:E 0/20:80/100
2. ICICI Pru 1. R.I.C.H D:E 0/20:80/100

2. Multiplier D:E 0/20:80/100
3. Flexi Growth D:E 0/20:80/100
3. SBI Life 1. Equity Fund
4. Birla Sunlife 1. Maximiser D:E 0/20:80/100

2. Multiplier D:E 0/20:80/100
5. LIC 1. Growth Fund D:MM:E 20:40:40/80
6. ING Vysya 1. Equity Fund D:E 0/10:90/100
7. Reliance 1. Equity Fund D:E 0:100

2. Pure Equity Fund D:E 0:100
8. HDFC Standard 1. Growth Fund D:E 0/5:95/100
9. Aviva 1. Growth Fund D:MM:E 0/50:0/40:30/85

2. Index Fund D:E 0/20:80/100
10. Kotak 1. Oppurtunities Fund D:E 0/25:75/100
11. Max NewYork 1. Growth Super Fund D:E 0/30:70/100

2. High Growth Fund D:E 0/30:70/100
12. IDBI Fortis 1. Nifty Index Fund D:E 0/20:80/100
13. Met Life 1. Multiplier MM:E 0/40:80/100
14. Tata AIG 1. Equity Fund mainly equity

2. Select Equity Fund D:E 0/100:0/100
3. Large Cap Equity Fund MM:E 0/100:80/100
4. Top 50 MM:E 0/100:0/100
5. Top 200 MM:E 0/100:0/100
Bond Plan
Debt Plans
Company PLAN RISK PROFILE
1. Bajaj Allianz 1. Bond Fund 20MM,80BD+FD+MM

2. Premier Bond Fund MM:BD 0/20:80/100
2. ICICI Pru 1. Protector D+MM 100

2. InvestShield CashBak Fund D+MM 100
3. SBI Life 1. Bond Fund D:MM 0/40:60/100
4. Birla Sunlife 1. Income Advantage D: 100

2. Assure D: 100
5. LIC 1. Bond Fund D:MM 60/100:0/40
6. ING Vysya 1. Debt Fund D 100
7. Reliance 1. Corporate Bond Fund MM:CD 0:100
8. HDFC Standard 1. Stable Managed Fund D:E 100:0

2. Secure Managed Fund D:E 100:0
3. Bond Opportunities Fund D 100
9. Aviva 1. Bond Fund D 100
10. Kotak 1. Guaranteed/Dynamic Bond D 100

2. Dynamic Bond D 100
11. Max NewYork 1. Secure Fund D 100

2. Secure Plus Fund D 100
12. IDBI Fortis 1. Bond Fund D 100
13. Met Life 1. Protector D 100

2. Preserver D 100
14. Tata AIG 1. Apex Investment Fund D/MM: 100

2. Income Fund mainly debt
3. Whole Life Income Fund D 100
4. Bond Fund D 100
Page 118
Plans
COMPANY PLAN RISK
1. Bajaj Allianz 1. Equity Index Fund II HIGH

2. Equity Growth Fund HIGH
3. Pure Stock Fund HIGH
4. Asset Allocation Fund HIGH
5. Premier Equity Growth Fund HIGH
6. Premier Equity Index Fund II HIGH
7. Accelerator Mid-Cap Fund HIGH
9. Premier Bond Fund MODERATE
10. Liquid Fund LOW
2. ICICI Prudential 1. R.I.C.H HIGH

2. Multiplier HIGH
5 Balancer MODERATE
6. New InvestShield Balanced Fund MODERATE
7. Protector LOW
9. InvestShield CashBak Fund LOW
3. SBI Life 1. Equity Fund HIGH

2. Equity Optimizer Fund HIGH
3. Equity Elite fund HIGH
4. Growth Fund HIGH
5. Dynamic Plan HIGH
8. Money Mkt LOW
4. Birla Sunlife 1. Multiplier HIGH

2. Maximiser HIGH
3. Magnifier HIGH
5. Creator MODERATE
6. Enhancer MODERATE
7. Builder LOW
8. Protector LOW
9. Assure LOW
Page 119
Plans
10. Income Advantage LOW
5. LIC 1. Growth Fund HIGH

3. Secured Fund MODERATE
6. HDFC Standard 1. Large Cap Fund HIGH

2. Mid Cap Fund HIGH
3. Growth Fund HIGH
4. Equity Managed Fund HIGH
5. Balanced Managed Fund HIGH
6. Manager's Fund(Fund of Funds) HIGH
7. Defensive Managed Fund MODERATE
8. Bond Opportunities Fund MODERATE
9. Stable Managed Fund LOW
10. Secure Managed Fund LOW
11. Money Plus Fund LOW
12. Liquid Fund LOW
7. Reliance 1. Fund A HIGH

2. Fund B MODERATE
3. Fund C MODERATE
4. Fund D MODERATE
5. Fund E MODERATE
6. Fund F MODERATE
7. Fund G MODERATE
8. Fund H MODERATE
9. Return Shield Fund (Fund I) HIGH
10. Equity Fund HIGH
11. Infrastructure Fund HIGH
12. Energy Fund HIGH
13. Midcap Fund HIGH
14. Pure Equity Fund HIGH
15. Corporate Bond Fund MODERATE
16. Money market fund LOW
17. Gilt Fund LOW
8. Max NewYork 1. Growth Super Fund HIGH

2. High Growth Fund HIGH
4. Growth Fund MODERATE
Page 120
Plans
7. Secure Fund LOW
8. Secure Plus Fund LOW
9. Money Market Fund LOW
Page 121
Plans
RISK PROFILE
D:E 15:85
D:E 20:80
D:E 20:80
D:E 0/100:0/100
D:E 0/20:80/100
D:E 0/15:85/100
FD+MM:E 0/40:60/100
D 100
D 100
MM 100
D:E 0/20:80/100
D:E 0/20:80/100
D:E 0/20:80/100
D:E 40/100:0/60
D:E 60/100:0/40
D:E 60/100:0/40
D+MM 100
D+MM 100
D+MM 100
D:MM 0/50:50/100
D:E 0/20:80/100
D:E 0/40:60/100
D:E 0/40:60/100
D:E 0/60:40/100
depending on term
D:E 40/60:40/60
D:MM 0/40:60/100
D:MM 0/20:80/100
D:E 0/20:80/100
D:E 0/20:80/100
D:E 10/50:50/90
D:E 10/25:75/90
D:E 50/70:30/50
D:E 65/80:20/35
D:E 80/90:10/20
D:E 90/100:0/10
D: 100
Page 122
Plans
D: 100
D:MM:E 20:40:40/80
D:MM:E 30:40:30/70
D:MM:E 45:40:15/55
D:MM 60/100:0/40
D:E 0/5:95/100
D:E 0/5:95/100
D:E 0/5:95/100
D:E 0/60:60/100
D:E 40/70:30/60
depending on the funds
D:E 70/85:15/30
D 100
D 100
D 100
MM 100
MM 100
D:E 20:80
D:E 50:50
MM:D:E 0:80:20
MM:D:E 0:60:40
MM:D:E 0:50:50
MM:D:E 0:40:60
D:E 80:20
D:E 60:40
D:E 60:40
D:E 0:100
D:E 0:100
D:E 0:100
D:E 0:100
D:E 0:100
MM:CD 0:100
MM 100
MM:GD 0:100
D:E 0/30:70/100
D:E 0/30:70/100
D:E 0/100:0/100
D:E 30/80:20/70
Page 123
Plans
D:E 60/90:10/40
D:E 85/100:0/15
D 100
D 100
D 100
Page 124
common para
Age of Entry Individual Child

Normal Plans 0 to 65 NA
Children's Plans 18 to 60 0 to 18
Age of Maturity Individual Child

Normal Plans 60 to 75 NA
Children's Plans 60 to 75 18 to 25
Whole Life Plans 99 NA
Sr. no. Riders Available

1 Accidental Death Benefit
2 Accidental Death & Disability Benefit
3 Critical Illness Benefit
4 Term Rider
5 Waiver of Premium Benefit
6 Hospital Cash Benefit
7 Women's Critial Illness Benefit
8 Family Income Benefit
9 Major Surgical Benefit
10 Life Guardian Benefit
11 Payor Benefit Rider(for juvenile lives)
Tax Benefit
Common 80C, 10(10)D
Critical Illness Rider Taken 80D
Page 125

India Insurance 2009 ULIP Schemes

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India Insurance 2009 ULIP Schemes

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ULIPs

COMPANY PRODUCT MAIN FEATURE AGE GROUP

1. Bajaj Allianz 1. New Unit Gain Plus SP Savings+Returns Entry:

2. New Unit Gain Premier SP Savings+Returns Entry:

3. New Family Gain Savings+Returns Entry:

4. New Unit Gain Savings+Returns Entry:

5. New Unit Gain Super Savings+Returns Entry:

6. Unit Gain Plus Gold Savings+Returns Entry:

7. Unit Gain Plus Savings+Returns Entry:

8. YoungCare Child Plan Entry:

9. YoungCare Plus Child Plan Entry:

2. InvestShield CashBak Savings+Returns Entry:

3. New InvestShield Life Savings+Returns Entry:

4. Life Link Super Savings+Returns Entry:

5. LifeStage Assure Savings+Returns Entry:

6. LifeStage RP Savings+Returns Entry:

7. LifeTime Gold Savings+Returns Entry:

8. Wealth Advantage Savings+Returns Entry:

3. SBI Life 1. Child Plan Child Plan Entry:

2. Horizon II Savings+Returns Entry:

4. Unit Plus II Savings+Returns Entry:

4. Birla Sunlife 1. Gold Plus II Savings+Returns Entry:

2. Saral Jeevan Instant Policy Entry:

3. Supreme-Life Non Participating Plan Entry:

4. Dream Plan Guaranteed Returns Entry:

5. Classic Life Premier Non Participating Plan Entry:

6. SimplyLife Savings+Returns Entry:

7. PrimeLife Premier Savings+Returns Entry:

9. Flexi Cash Flow Guaranteed Returns Entry:

10. Flexi Save Plus Guaranteed Returns Entry:

11. Flexi Life Line Non Participating Plan Entry:

12. Single Premium Bond Non Participating Plan Entry:

13. Children's Dream Plan Child Plan Entry:

5. LIC 1. Market Plus I Savings+Returns Entry:

2. Profit Plus Savings+Returns Entry:

3. Fortune Plus Savings+Returns Entry:

4. Money Plus I Endowment Entry:

6. ING Vysya 1. Prime Life Savings+Returns Entry:

2. High Life Savings+Returns Entry:

3. High Life Plus Savings+Returns Entry:

4. New Freedom plan Moneyback Entry:

5. New One Life Savings+Returns Entry:

7. Reliance 1. Money Guarantee Savings+Returns Entry:

2. Super Invest Assure Plus Savings+Returns Entry:

3. Super Automatic Investment Plan Savings+Returns Entry:

4. Super Golden Years Plan Annuity Entry:

6. Super Market Return Savings+Returns Entry:

7. Savings Linked Insurance Plan Savings+Returns Entry:

8. Super Invest Assure Savings+Returns Entry:

9. Total Insurance Policy(TIPS) I Investment Flexibility Entry:

10. Imaan Investment Plan Islamic Investment Entry:

11. Secure Child Plan Child Plan Entry:

8. HDFC Standard 1. Unit Linked Young Star II Child Plan Entry:

2. Unit Linked Young Star plus II Child Plan Entry:

4. SimpliLife Savings+Returns Entry:

5. Unit Linked Endowment II Savings+Returns Entry:

7. Unit Linked Enhanced Life Protection II Savings+Returns Entry:

8. Unit Linked Endowment Winner Savings+Returns Entry:

9. Wealth Maximizer Whole Life Entry:

9. Aviva 1. Little Master Child Plan Entry:

2. Young Scholar Child Plan Entry:

3. Life Bond Plus Savings+Returns Entry:

4. LifeLine Whole Life Entry: