10 Nov 2020

Benefit Illustration

Proposal No. :
Name of the Prospect/Policyholder : Ubaidur Rahman Name of the Product: Edelweiss Tokio Life- Active Income
Age (in Years) : 41 An Individual, Non-Linked, Par, Savings, Life
Tag Line: Insurance Product
Name of the Life Assured : Ubaidur Rahman
Unique Identification No.: 147N065V01
Age (in Years) : 41
GST Rate - Base Product (first year) : 4.50%
Policy Term (in Years) : 58
Premium Payment Term (in Years) : 12 GST Rate - Base Product (second year onwards) : 2.25%
GST Rate - Rider (first year): 18.00%
Amount of Instalment Premium (including Rider
Premiums and first year applicable taxes in Rupees) 1,04,500 GST Rate - Rider (second year onwards): 18.00 %
:
Mode of Payment of Premium : Annual Additional Plan Information
Family Income Benefit Yes
Additional Information Income Option Early Income
Gender of the Prospect / Policyholder : Male Guaranteed Income Type Level Guaranteed Income
Gender of the Life Assured : Male Maturity Age Till age 99
Category : Others
Distribution Channel : Direct Marketing

How to read and understand this benefit illustration?

This Benefit Illustration is intented to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of the Company. If your policy offers guaranteed benefits then these will be clearly marked "guaranteed"
in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed
rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

Policy details
Policy Option - Sum Assured on Maturity Rs. 11,35,071
Bonus Type Cash Bonus Sum Assured on Death (at inception of the policy) Rs. 10,00,000

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(Amounts in Rupees)
Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST 1,00,000 - 1,00,000
Instalment Premium with First Year GST 1,04,500 - 1,04,500
Instalment Premium with GST 2nd Year Onwards 1,02,250 - 1,02,250

(Amount in Rupees )
Non-Guaranteed Benefits @ 4% Non-Guaranteed Benefits @ 8%
Guaranteed Benefits p.a. p.a. Total Benefits
Survival Benefit
Maturity Benefit Death Benefit
Total Total
Maturity Maturity Total Total
Policy Single/Annualized Survival Total Total Death Death
Year Premium Reversionary Reversionary
Guaranteed Benefit Surrender Death Maturity Bonus/Terminal Cash Surrender Bonus/Terminal Cash Surrender Survival Survival Benefit, Benefit, Benefit, Benefit,
incl incl
Additions (Guaranteed Benefit # Benefit Benefit Bonus Benefit Bonus Benefit Benefit Benefit Terminal Terminal incl incl
Income) Bonus Bonus @4% @8% Terminal Terminal
p.a. p.a. Bonus Bonus Bonus, if Bonus, if
(TB), if any (TB), if any
(4+9) (4+12) @ 4% p.a. @ 8% p.a. any @ 4% any @ 8%
(7+8) (7+11) p.a. (6+8) p.a. (6+11)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
1 1,00,000 - - - 10,00,000 - - - - - - - - - - - 10,00,000 10,00,000
2 1,00,000 - 17,026 60,000 10,02,370 - - - 79,455 - - 79,455 17,026 17,026 - - 10,02,370 10,02,370
3 1,00,000 - 17,026 1,05,000 10,04,739 - - - 1,39,046 - - 1,39,046 17,026 17,026 - - 10,04,739 10,04,739
4 1,00,000 - 17,026 2,00,000 10,07,109 - - - 2,09,988 - - 2,09,988 17,026 17,026 - - 10,07,109 10,07,109
5 1,00,000 - 17,026 2,55,000 10,09,479 - - - 2,86,605 - - 2,86,605 17,026 17,026 - - 10,09,479 10,09,479
6 1,00,000 - 17,026 3,12,000 10,11,848 - - - 3,80,249 - - 3,80,249 17,026 17,026 - - 10,11,848 10,11,848
7 1,00,000 - 17,026 3,64,000 10,14,218 - - - 4,80,513 - - 4,80,513 17,026 17,026 - - 10,14,218 10,14,218
8 1,00,000 - 17,026 4,24,000 10,16,588 - - - 5,92,129 - - 5,92,129 17,026 17,026 - - 10,16,588 10,16,588
9 1,00,000 - 17,026 4,86,000 10,18,957 - - - 7,23,608 - - 7,23,608 17,026 17,026 - - 10,18,957 10,18,957
10 1,00,000 - 17,026 5,50,000 10,50,000 - - - 8,68,329 - - 8,68,329 17,026 17,026 - - 10,50,000 10,50,000
11 1,00,000 - 17,026 6,05,000 11,55,000 - - - 10,26,293 - - 10,26,293 17,026 17,026 - - 11,55,000 11,55,000
12 1,00,000 - 17,026 6,72,000 12,60,000 - - - 11,97,500 - - 11,97,500 17,026 17,026 - - 12,60,000 12,60,000

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(Amount in Rupees )
Guaranteed Benefits Non-Guaranteed Benefits @ 4% Non-Guaranteed Benefits @ 8% Total Benefits
p.a. p.a.
Survival Benefit
Maturity Benefit Death Benefit
Total Total Total Total
Maturity Maturity
Policy Single/Annualized Survival Total Total Death Death
Year Premium Reversionary Cash Surrender Reversionary Cash Surrender Survival Survival Benefit, Benefit,
Guaranteed Benefit Surrender Death Maturity Bonus/Terminal Benefit, Benefit,
Bonus/Terminal incl incl
Additions (Guaranteed Benefit # Benefit Benefit Bonus Bonus Benefit Bonus Bonus Benefit Benefit Benefit Terminal Terminal incl incl
Income) @4% @8% Bonus Bonus Terminal Terminal
p.a. p.a. (TB), if any (TB), if any Bonus, if Bonus, if
(4+9) (4+12) @ 4% p.a. @ 8% p.a. any @ 4% any @ 8%
p.a. (6+8) p.a. (6+11)
(7+8) (7+11)
13 - - 17,026 6,84,000 12,60,000 - - 6,810 12,38,362 - 45,403 12,76,955 23,836 62,429 - - 12,60,000 12,60,000
14 - - 17,026 6,96,000 12,60,000 - - 6,810 12,61,064 - 45,403 12,99,656 23,836 62,429 - - 12,60,000 12,60,000
15 - - 17,026 6,96,000 12,60,000 - - 6,810 12,83,765 - 45,403 13,22,358 23,836 62,429 - - 12,60,000 12,60,000
16 - - 17,026 7,08,000 12,60,000 - - 6,810 13,06,467 - 45,403 13,45,059 23,836 62,429 - - 12,60,000 12,60,000
17 - - 17,026 7,20,000 12,60,000 - - 6,810 13,29,168 - 45,403 13,67,760 23,836 62,429 - - 12,60,000 12,60,000
18 - - 17,026 7,32,000 12,60,000 - - 6,810 13,51,869 - 45,403 13,90,462 23,836 62,429 - - 12,60,000 12,60,000
19 - - 17,026 7,32,000 12,60,000 - - 6,810 13,74,571 - 45,403 14,13,163 23,836 62,429 - - 12,60,000 12,60,000
20 - - 17,026 7,44,000 12,60,000 - - 6,810 13,97,272 - 45,403 14,35,865 23,836 62,429 - - 12,60,000 12,60,000
21 - - 17,026 7,56,000 12,60,000 - - 6,810 14,31,324 - 45,403 14,69,917 23,836 62,429 - - 12,60,000 12,60,000
22 - - 17,026 7,68,000 12,60,000 - - 6,810 14,54,026 - 45,403 14,92,618 23,836 62,429 - - 12,60,000 12,60,000
23 - - 17,026 7,68,000 12,60,000 - - 6,810 14,88,078 - 45,403 15,26,670 23,836 62,429 - - 12,60,000 12,60,000
24 - - 17,026 7,80,000 12,60,000 - - 6,810 15,22,130 - 45,403 15,60,723 23,836 62,429 - - 12,60,000 12,60,000
25 - - 17,026 7,92,000 12,60,000 - - 6,810 14,19,974 3,40,521 45,403 18,77,407 23,836 62,429 - - 12,60,000 12,60,000
26 - - 17,026 8,04,000 12,60,000 - - 6,810 14,31,324 3,63,223 45,403 19,20,313 23,836 62,429 - - 12,60,000 12,60,000
27 - - 17,026 8,04,000 12,60,000 - - 6,810 14,54,026 3,85,924 45,403 19,78,883 23,836 62,429 - - 12,60,000 12,60,000
28 - - 17,026 8,16,000 12,60,000 - - 6,810 14,76,727 4,08,626 45,403 20,38,360 23,836 62,429 - - 12,60,000 12,60,000
29 - - 17,026 8,28,000 12,60,000 - - 6,810 14,99,429 4,42,678 45,403 21,13,502 23,836 62,429 - - 12,60,000 12,60,000
30 - - 17,026 8,40,000 12,60,000 - - 6,810 15,10,779 4,65,379 45,403 21,59,018 23,836 62,429 - - 12,60,000 12,60,000
31 - - 17,026 8,40,000 12,60,000 - - 6,810 15,33,481 4,99,431 45,403 22,36,317 23,836 62,429 - - 12,60,000 12,60,000

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(Amount in Rupees )
Non-Guaranteed Benefits @ 4% Non-Guaranteed Benefits @ 8%
Guaranteed Benefits p.a. p.a. Total Benefits
Survival Benefit
Maturity Benefit Death Benefit
Total Total Total Total
Maturity Maturity
Policy Single/Annualized Survival Total Total Death Death
Year Premium Reversionary Cash Surrender Reversionary Cash Surrender Survival Survival Benefit, Benefit,
Guaranteed Benefit Surrender Death Maturity Bonus/Terminal Benefit, Benefit,
Bonus/Terminal incl incl
Additions (Guaranteed Benefit # Benefit Benefit Bonus Bonus Benefit Bonus Bonus Benefit Benefit Benefit Terminal Terminal incl incl
Income) @4% @8% Bonus Bonus Terminal Terminal
p.a. p.a. Bonus, if Bonus, if
(4+9) (4+12) @ 4% p.a. @ 8%ifp.a.
(TB), if any (TB), any any @ 4% any @ 8%
(7+8) (7+11) p.a. (6+8) p.a. (6+11)

32 - - 17,026 8,52,000 12,60,000 - - 6,810 15,56,182 5,33,483 45,403 23,14,977 23,836 62,429 - - 12,60,000 12,60,000
33 - - 17,026 8,64,000 12,60,000 - - 6,810 15,67,533 5,67,536 45,403 23,77,974 23,836 62,429 - - 12,60,000 12,60,000
34 - - 17,026 8,76,000 12,60,000 - - 6,810 15,90,234 6,01,588 45,403 24,59,018 23,836 62,429 - - 12,60,000 12,60,000
35 - - 17,026 8,76,000 12,60,000 - - 6,810 16,01,585 6,35,640 45,403 25,23,717 23,836 62,429 - - 12,60,000 12,60,000
36 - - 17,026 8,88,000 12,60,000 - - 6,810 16,12,936 6,81,043 45,403 26,04,988 23,836 62,429 - - 12,60,000 12,60,000
37 - - 17,026 9,00,000 12,60,000 - - 6,810 16,24,287 7,26,445 45,403 26,87,167 23,836 62,429 - - 12,60,000 12,60,000
38 - - 17,026 9,12,000 12,60,000 - - 6,810 16,35,637 7,71,848 45,403 27,70,254 23,836 62,429 - - 12,60,000 12,60,000
39 - - 17,026 9,12,000 12,60,000 - - 6,810 16,35,637 8,17,251 45,403 28,34,726 23,836 62,429 - - 12,60,000 12,60,000
40 - - 17,026 9,24,000 12,60,000 - - 6,810 16,35,637 8,74,005 45,403 29,15,316 23,836 62,429 - - 12,60,000 12,60,000
41 - - 17,026 9,36,000 12,60,000 - - 6,810 16,46,988 9,30,758 45,403 30,16,565 23,836 62,429 - - 12,60,000 12,60,000
42 - - 17,026 9,48,000 12,60,000 - - 6,810 16,46,988 9,87,512 45,403 30,97,722 23,836 62,429 - - 12,60,000 12,60,000
43 - - 17,026 9,48,000 12,60,000 - - 6,810 16,46,988 10,55,616 45,403 31,95,111 23,836 62,429 - - 12,60,000 12,60,000
44 - - 17,026 9,60,000 12,60,000 - - 6,810 16,35,637 11,12,370 45,403 32,53,794 23,836 62,429 - - 12,60,000 12,60,000
45 - - 17,026 9,72,000 12,60,000 - - 6,810 16,35,637 11,80,474 45,403 33,50,503 23,836 62,429 - - 12,60,000 12,60,000
46 - - 17,026 9,84,000 12,60,000 - - 6,810 16,12,936 12,59,929 45,403 34,15,429 23,836 62,429 - - 12,60,000 12,60,000
47 - - 17,026 9,84,000 12,60,000 - - 6,810 16,01,585 13,39,384 45,403 35,01,921 23,836 62,429 - - 12,60,000 12,60,000
48 - - 17,026 9,96,000 12,60,000 - - 6,810 15,67,533 14,18,839 45,403 35,35,746 23,836 62,429 - - 12,60,000 12,60,000
49 - - 17,026 10,08,000 12,60,000 - - 6,810 15,44,832 15,09,644 45,403 36,06,348 23,836 62,429 - - 12,60,000 12,60,000
50 - - 17,026 10,20,000 12,60,000 - - 6,810 14,99,429 16,00,450 45,403 36,18,606 23,836 62,429 - - 12,60,000 12,60,000

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(Amount in Rupees )
Guaranteed Benefits Non-Guaranteed Benefits @ 4% Non-Guaranteed Benefits @ 8% Total Benefits
p.a. p.a.
Survival Benefit
Maturity Benefit Death Benefit
Total Total
Maturity Maturity Total Total
Policy Single/Annualized Survival Total Total Death Death
Benefit, Benefit,
Year Premium Guaranteed Benefit Surrender Death Maturity Reversionary Cash Surrender Reversionary Cash Surrender Survival Survival incl incl
Benefit, Benefit,
Bonus/Terminal Bonus/Terminal
Additions (Guaranteed Benefit # Benefit Benefit Bonus Bonus Benefit Bonus Bonus Benefit Benefit Benefit Terminal Terminal incl incl
Income) @4% @8% Terminal Terminal
p.a. p.a. Bonus Bonus Bonus, if Bonus, if
(TB), if any (TB), if any
(4+9) (4+12) @ 4% p.a. @ 8% p.a. any @ 4% any @ 8%
p.a. (6+8) p.a. (6+11)
(7+8) (7+11)
51 - - 17,026 10,20,000 12,60,000 - - 6,810 14,54,026 17,02,607 45,403 36,37,902 23,836 62,429 - - 12,60,000 12,60,000
52 - - 17,026 10,32,000 12,60,000 - - 6,810 13,97,272 18,16,114 45,403 36,33,362 23,836 62,429 - - 12,60,000 12,60,000
53 - - 17,026 10,44,000 12,60,000 - - 6,810 13,29,168 19,29,621 45,403 35,86,824 23,836 62,429 - - 12,60,000 12,60,000
54 - - 17,026 10,56,000 12,60,000 - - 6,810 13,17,817 20,43,128 45,403 36,85,575 23,836 62,429 - - 12,60,000 12,60,000
55 - - 17,026 10,56,000 12,60,000 - - 6,810 12,72,415 21,79,336 45,403 37,08,277 23,836 62,429 - - 12,60,000 12,60,000
56 - - 17,026 10,68,000 12,60,000 - - 6,810 12,27,012 23,15,545 45,403 37,20,082 23,836 62,429 - - 12,60,000 12,60,000
57 - - 17,026 10,80,000 12,60,000 - - 6,810 11,47,557 24,51,753 45,403 36,13,385 23,836 62,429 - - 12,60,000 12,60,000
58 - - 17,026 10,80,000 12,60,000 11,35,071 - 6,810 10,34,050 26,10,663 45,403 33,96,132 23,836 62,429 11,35,071 37,45,734 12,60,000 12,60,000
Notes : Annualized Premium excludes underwri ng extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and Goods & Service Tax. Refer Sales Literature for explana on of
terms used in this illustration.

I, ___________________________ (name), have explained the premiums, and benefits under the I, Ubaidur Rahman , having received the informa on with respect to the above, have understood the
product fully to the prospect / policyholder. above statement before entering into the contract.

Place:
Date: Signature of Agent/ Intermediary/ Official Date: Signature of Prospect / Policyholder

Terms & Conditions

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1) This document is for illustration purposes only. This illustration is based on the terms and conditions of the life insurance policy as on date of the illustration. The above information must be read in conjunction
with the sales literature & policy document.
2) The Premiums are to be paid in the beginning of the chosen mode of payment. For e.g. in case of Annual mode of payment, premiums are payable at the beginning of the respective policy year and in case of
Monthly mode of payment, premiums are payable at the beginning of the respective policy month. The amount shown in this column is the sum of all the premiums payable in the respective policy year, excluding
underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any and Goods & Service Tax.
3) Edelweiss Tokio Life - Active Income Plan is only the name of the policy and does not in any way indicate the quality of the policy, its future prospects or returns.
4) Applicable Taxes will be levied on the premium as per the prevailing Tax Laws and the same shall be borne by the policyholder.
5) Surrender value shall be higher of Guaranteed Surrender Value and Special Surrender Value and is payable at the end of the policy year. Special Surrender Value is not guaranteed. Before making a request for
Surrender, you may approach the company to know about the Special Surrender Value in respect of your Policy at that point in time.
6) # In case cash bonuses have been paid out, the same (along with Guaranteed survival benefit) shall be deducted from the Surrender Value indicated, at the time of pay out.
7) Survival Benefit under ‘Total Benefits’ includes Income Option (Guranteed Benefit) and Cash Bonus (Non-Guaranteed Benefit). Cash Bonus and Terminal Bonus would depend on the performance of the Par fund
of the Company.
8) Maturity Benefit shown under ‘Total Benefits’ includes Maturity Benefit shown under ‘Guaranteed Benefits’, and Terminal Bonus
9) If Additional Benefit, 'Family Income Benefit' is chosen, on the diagnosis of Critical Illness or death of the Life Assured (whichever is earlier) while the policy is in-force, no future Premiums are required to be
paid and the policy will continue as in-force policy.
The Survival Benefits till the policy term and Maturity Benefits on the date of maturity will be payable.
In addition, Sum Assured on Death will be paid.
10) In case the Life Insured is a minor, the risk cover will start from the date of commencement of the policy and on attainment of majority the ownership of Policy will automatically vest on the Life Insured. In case
of death of the Life Insured who is a minor, the death benefit will be paid to the Proposer in the policy.

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