ADAMJEE LIFE ASSURANCE COMPANY LTD.

Illustration of Benefits for Secure Mustaqbil

Prepared for : Sufyan Ali
Saving Plan
Basic Details
Name of Life Assured Age Expected Comm. Date Proposal No. Gender Spouse
Sufyan Ali 29 14-May-19 600047236 MALE N
Coverage Details
Mode Of Premium Level / Indexed
Currency of Plan Fund Cover Multiple
Payment Basis

PAK RUPEES Semi Annual 0% LEVEL BASIS Investment Multiplier Fund 20

Term
Plan/Benefits Initial Sum Assured Premium
Benefit Premium
Secure Mustaqbil 12 12 PKR 1,000,000 PKR 25,000
Total Semi Annual Premium PKR 25,000
Illustrative Values Based on Annual Premium :

10% Rate of Return 12% Rate of Return 14% Rate of Return

Cumulative
Premium
Policy Main Plan
for the Year
Year Premium Main Plan Annual Main Plan Annual Main Plan Annual
Surrender Surrender Surrender
Paid Death Benefit Annuity Death Benefit Annuity Death Benefit Annuity
Value Value Value
Benefit Benefit Benefit

1 50,000 50,000 1,000,000 0 0 1,000,000 0 0 1,000,000 0 0

2 50,000 100,000 1,000,000 26,611 0 1,000,000 27,124 0 1,000,000 27,640 0
3 50,000 150,000 1,000,000 76,368 0 1,000,000 78,467 0 1,000,000 80,600 0
4 50,000 200,000 1,000,000 159,263 0 1,000,000 165,037 0 1,000,000 170,971 0
5 50,000 250,000 1,000,000 221,240 0 1,000,000 231,424 0 1,000,000 242,010 0
6 50,000 300,000 1,000,000 288,256 0 1,000,000 304,521 0 1,000,000 321,636 0
7 50,000 350,000 1,000,000 362,250 0 1,000,000 386,562 0 1,000,000 412,467 0
8 50,000 400,000 1,000,000 442,304 0 1,000,000 476,950 0 1,000,000 514,339 0
9 50,000 450,000 1,000,000 528,934 0 1,000,000 576,560 0 1,000,000 628,628 0
10 50,000 500,000 1,000,000 622,708 0 1,000,000 686,368 0 1,000,000 756,891 0
12 50,000 600,000 1,000,000 850,668 0 1,000,000 958,005 0 1,080,388 1,080,038 0

Inflation Inflation adjusted 3% Rate of Return Inflation adjusted 4% Rate of Return Inflation adjusted 5% Rate of Return
Adjusted
Premium
Policy Cumulative
for the Year
Year Main Plan
Premium Main Plan Annual Main Plan Annual Main Plan Annual
Surrender Surrender Surrender
Paid Death Benefit Annuity Death Benefit Annuity Death Benefit Annuity
Value Value Value
Benefit Benefit Benefit
12 50,000 491,589 1,000,000 567,453 0 1,000,000 600,522 0 1,000,000 635,793 0

Client / Policy Client / Policy

Date
Owner's Name Owner's Signature
Sales Sales
Representative Representative Date
Name Signature
Branch: Lahore Lions Center Branch Central Region User: AGN127 - MUHAMMAD QASIM Prepared on: 14-May- Time : 0:19 PM Page 1 of 3
 ADAMJEE LIFE ASSURANCE COMPANY LTD.
Illustration of Benefits for Secure Mustaqbil
Prepared for : Sufyan Ali
Saving Plan
Notes :
Unit Allocation Table :

Investment Booster
Policy Year 1 2 3 4 & ONWARDS
(Ad-hoc, if any)

Allocation 30% 80% 90% 100% 100%

Loyalty Bonus :
Loyalty Bonus is Extra Unit Allocation guaranteed provided the premium paying term is equal to or greater than the corresponding loyalty bonus
term and policy remains inforce through timely payments of at least initial basic premium and there are no partial withdrawals or loans.

Policy Year 7th to 10th 11th 12th to 25th

Bonus % Of Initial Basic Premium 3% 33% 3%

Expenses (*)
MANAGEMENT & ADMINISTRATION EQUIVALENT TO A REDUCTION IN ANNUAL YIELD OF 1.75% AS PER
FILING WITH SECP
MORTALITY, RIDER & OTHER RISK AS PER FILING WITH SECP
FUND SWITCHING IN ANY POLICY YEAR INITIAL TWO SWITCHES FREE, RS. 300 FOR
SUBSEQUENT SWITCHES
BID/OFFER SPREAD 5% OF ALL PREMIUMS, ALLOCATED TO THE UNIT ACCOUNT `
* These expenses are applicable for all unit linked investment funds available under this plan.
Premium Paying Month 1 to 12 13 to 24 25 to 36 37 & Over
Surrender Charges as % Of Cash Value 100% 50% 25% 0%

IN CASE OF SURRENDER, A FLAT RS.350 SURRENDER CHARGE DEDUCTED ALONG WITH OTHER SURRENDER CHARGES APPLICABLE IN
THE FIRST 3 YEARS OF THE TERM. THESE CHARGES ARE A PART OF THE CONTRACT.AN AGE BASED MORTALITY CHARGE APPLIES OF
THE BASIC POLICY LIFE INSURANCE RISK EACH YEAR AND IS DEPENDENT ON THE SUM AT RISK.NO MORTALITY CHARGE APPLIES IN
YEARS WHERE THERE IS NO SUM AT RISK.
ALL CHARGES MENTIONED IN THE ABOVE NOTES ARE REVIEWABLE AT THE DISCRETION OF THE COMPANY.
The “Cumulative Main Plan Premium Paid” and "Premium for the Year", mentioned in the first illustration table above, is net of supplementary rider
premium charges which are deducted from the total main plan premium as mentioned in the “Coverage Details” section

Name of Life Assured Sufyan Ali

Adhoc Paying Term (Yrs.) 20
Amount of Adhoc per Annum (Rs.) 50,000
Adhoc Adjustment No

*Minimum Adhoc Premium is Rs. 10,000

Client / Policy Client / Policy

Date
Owner's Name Owner's Signature
Sales Sales
Representative Representative Date
Name Signature
Branch: Lahore Lions Center Branch Central Region User: AGN127 - MUHAMMAD QASIM Prepared on: 14-May- Time : 0:19 PM Page 2 of 3
 ADAMJEE LIFE ASSURANCE COMPANY LTD.
Illustration of Benefits for Secure Mustaqbil
Prepared for : Sufyan Ali
Saving Plan

The Total Illustrative Values after including the Top up premiums are as follows :

10 % Rate of Return 12 % Rate of Return 14 % Rate of Return

Cumulative
Policy Top up Regular Regular Regular
Top up Top up Top up
Year Premium Surrender Value Premium plus Premium plus Premium plus
Surrender Value Surrender Value
Paid Topup Premium Topup Premium Topup Premium
Surrender Surrender Surrender
1 50,000 51,350 51,350 52,283 52,283 53,217 53,217
2 100,000 106,862 133,473 109,832 136,956 112,839 140,479
3 150,000 166,873 243,240 173,176 251,643 179,638 260,237
4 200,000 231,748 391,011 242,900 407,937 254,476 425,446
5 250,000 301,881 523,121 319,644 551,068 338,321 580,331
6 300,000 377,698 665,954 404,118 708,638 432,258 753,894
7 350,000 459,660 821,910 497,098 883,661 537,501 949,968
8 400,000 548,266 990,570 599,442 1,076,392 655,412 1,169,751
9 450,000 644,053 1,172,986 712,093 1,288,653 787,514 1,416,143
10 500,000 747,603 1,370,312 836,088 1,522,456 935,516 1,692,407
11 550,000 859,547 1,598,940 972,570 1,795,382 1,101,332 2,017,778
12 600,000 980,564 1,831,232 1,122,796 2,080,801 1,287,105 2,367,143

• The Illustrative values above do not take into account any partial surrenders.
• The rate of return assumptions stated in the tables(s) above are annual effective rates and are before deduction of Management &
Administration Charges. The Management & Administration Charge has been deducted from the Surrender Value prior to determining the
Illustrative values in the tables(s) above.
• The Surrender Values given above are based on assumptions. The actual values can be higher or lower than the one’s illustrated above
depending upon the performance of the underlying investment of the Fund.
• You have an option to invest in any of the following investment funds namely Investment Secure Fund, Amaanat Fund and Investment
Multiplier Fund.
• Surrender values given above are net of all charges.
• Death Benefit is Sum Assured or Cash Value, whichever is higher.
• For Illustration purpose, it is assumed that death occurs at the end of the year.
• Cash Value is the policy Unit Account value at bid price. After three policy years, Surrender Value is equal to Cash Value.
• This is an approved Illustration of the Company. Any other Illustration which contradicts this Illustration should not be given any consideration
and should be reported to the Company.
• Please refer to the Policy Document for detailed Terms & Conditions.
• In case the policyholder (owner) is a non-filer, an advance tax collection @1% of insurance premium, under section 236U of Income Tax
Ordinance, 2001, shall be made by deducting such amount from the aforementioned cash values.

Declarations:
Declaration by Sales Representative:
I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this Illustration. I also confirm that I have not
misled or deceived the prospective client in any way. In case of any misconduct on my part, the Company and I shall be responsible for any loss to
the prospective client. In such circumstances, SECP shall have the authority to take any action in light of the Insurance Ordinance 2000.

Signature : Date :
Name : Code :
Designation :

Declaration by Client/Policy Owner:

I have studied the above Illustration and notes carefully and understood them fully. I also confirm that no other illustration verbal, written or electronic in
contradiction to this illustration has been given to me. This is an illustration, the exact terms and conditions of the policy will be a part of the policy
documents.

Signature : Date :

Name :

CNIC # :

Address :

Branch: Lahore Lions Center Branch Central Region User: AGN127 - MUHAMMAD QASIM Prepared on: 14-May- Time : 0:19 PM Page 3 of 3
 ADAMJEE LIFE ASSURANCE COMPANY LTD.
Historical Investment Performance
(For Unit Linked Products Only)

Historical Performance:
The historical performance of ADAMJEE LIFE ASSURANCE COMPANY LTD.’s Fund are as follows:
Fund Name INVESTMENT SECURE FUND (SA) Launch Date 09-Jun-2011
Fund debt Risk Profile low to medium
YEAR 2013 2014 2015 2016 2017 2018
Yearly Return 8.94 % 15.70% 12.49 % 6.24 % 2.97 % 4.37 %
Yearly Return Since Inception 10.83 % 13.42 % 14.54 % 13.79 % 12.50% 11.89 %
Average Return since inception(2011) of the fund: 11.89%

Fund Name INVESTMENT MULTIPLIER FUND Launch Date 09-Jun-2011

Fund equity Risk Profile Medium
YEAR 2013 2014 2015 2016 2017 2018
Yearly Return 14.51 % 18.87 % 12.16 % 22.70% -4.18 % 0.02 %
Yearly Return Since Inception 17.28 % 20.02 % 20.19 % 24.39 % 19.20% 16.66 %
Average Return since inception(2011) of the fund: 16.66%

Fund Name AMAANAT FUND Launch Date 15-Nov-2012

Fund equity Risk Profile Medium
YEAR 2013 2014 2015 2016 2017 2018
Yearly Return 8.97 % 11.03 % 7.90% 15.38 % 0.63 % 2.10 %
Yearly Return Since Inception 8.15 % 9.98 % 9.85 % 12.33 % 10.12 % 8.98 %
Average Return since inception(2012) of the fund: 8.98%

Fund Name INVESTMENT DIVERSIFIER FUND Launch Date 10-Nov-2011

Fund debt Risk Profile low to medium
YEAR 2013 2014 2015 2016 2017 2018
Yearly Return 7.48 % 7.37 % 5.33 % 5.51 % 6.88 % 5.00 %
Yearly Return Since Inception 6.94 % 7.43 % 8.07 % 7.88 % 7.57 % 7.88 %
Average Return since inception(2011) of the fund: 7.88%

Fund Name INVESTMENT SECURE FUND II (IFL) Launch Date 01-Dec-2011

Fund debt Risk Profile low to medium
YEAR 2013 2014 2015 2016 2017 2018
Yearly Return 9.16 % 15.55 % 12.78 % 6.24 % 1.23 % 7.11 %
Yearly Return Since Inception 13.44 % 15.53 % 16.36 % 15.19 % 13.06 % 13.02 %
Average Return since inception(2011) of the fund: 13.02%

Fund Name DYNAMIC SECURE FUND Launch Date 19-Jul-2016

Fund debt Risk Profile low to medium
YEAR 2013 2014 2015 2016 2017 2018
Yearly Return N/A N/A N/A 8.17 % 7.57 % 8.44 %
Yearly Return Since Inception N/A N/A N/A 8.17 % 7.95 % 8.55 %
Average Return since inception(2016) of the fund: 8.55%

Fund Name DYNAMIC GROWTH FUND Launch Date 19-Jul-2016

Fund equity Risk Profile Medium
YEAR 2013 2014 2015 2016 2017 2018
Yearly Return N/A N/A N/A 9.42 % -7.53 % -3.92 %
Yearly Return Since Inception N/A N/A N/A 20.85 % 0.85 % -1.13 %
Average Return since inception(2016) of the fund: -1.13%

Declaration by Sales Representative:

I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this fund’s historical
investment performance presentation. I also confirm that I have not misled or deceived the prospective client in any way.

Signature : Date :

Name of Sale Representative : Code No. :