28-Ma r-2024

Benefit Illustration

Proposal No. :
Name of the Prospect / Policyholder: bdhd hrh Name of the Product: Edelweiss Tokio Life- Legacy Plus
Age (in years): 18 An Individual, Non-Linked, Participating, Savings, Life Insurance
Tag Line: Product
Name of the Life Assured : bdhd hrh
Unique Identification No.: 147N090V01
Age (in years) : 18
Policy Term (in years) : 82 GST Rate - Base Product (first year) : 4.50%
Premium Payment Term (in years) : 12 GST Rate - Base Product (second year onwards) : 2.25%
Amount of Instalment Premium (including Rider Premiums and first 1,04,500 GST Rate - Rider (first year): 18.00%
year applicable taxes in Rupees) : GST Rate - Rider (second year onwards): 18.00 %
Mode of Payment of Premium : Annual
Additional Information on 'Plan/Additional Benefits'
Additional Information Accrual of Survival Benefit : No
Gender of the Prospect / Policyholder : Male Accrual of Survival Benefits - Start Age ( 1st Opt-In) : NA
Gender of the Life Assured : Male Accrual of Survival Benefits - End Age ( 1st Opt-Out) : NA
Category : Others Withdrawal Percentage (1st Opt-Out): NA
Distribution Channel : Direct Marketing (Other than Worksite Marketing) Accrual of Survival Benefits - Start Age ( 2nd Opt-In) : NA
Accrual of Survival Benefits - End Age ( 2nd Opt-Out) : NA
Withdrawal Percentage (2nd Opt-Out): NA
Accrual of Survival Benefits - Start Age ( 3rd Opt-In) : NA
Accrual of Survival Benefits - End Age ( 3rd Opt-Out) : NA
Withdrawal Percentage (3rd Opt-Out): NA

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 Lifelong Income Sum Assured on Maturity Rs. 13,89,390
Bonus Type Cash Bonus Sum Assured on Death (at inception of the policy) Rs. 7,00,000

1 Vers ion : 1.07 ; Quota tionId : W0011364307

 28-Ma r-2024

(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)
Guaranteed Benefits Non-Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a. Total Benefits including Guaranteed and Non-Guaranteed Benefits
'Accrual of Payout of
Survival Benefit Maturity Benefit Death Benefit Survival 'Accrual of
Benefits^^' Survival Benefits
Age (Last
Death Total
Birthday, Total 'Payout 'Payout
Policy of Life Annualized Survival Benefit Maturity Accrued Cash Terminal Surrender Accrued Reversionary Cash Maturity Total
Year Premium* GuaranteedBenefit (Guaranteed Surrender Terminal Surrender Total Total Benefit, Maturity
Death
Total Death
'Accrual 'Accrual of of
Assured) Additions Benefit # (Life Benefit Reversionary Bonus Bonus Benefit Bonus Bonus Bonus Benefit Survival Survival incl Benefit, incl
Benefit,
Benefit, incl
of of 'Accrual 'Accrual
Years Income) Bonus Benefit Benefit incl
Assured) Terminal Terminal Terminal Survival Survival of of
@ 4% @ 8% Terminal BenefitsBenefits Survival Survival
Bonus, if Bonus, if any Bonus, if any
p.a. p.a. any @ 4% @ 8% p.a. ( Bonus, if @ 8% p.a. @ 4% @ 8% BenefitsBenefits
(5+10) (5+14) any @ 4% p.a. p.a. @ 4% @ 8%
p.a. ( 8 + 8 + 15)
p.a. p.a. p.a.
11)
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26
1 18 1,00,000 - 11,949 - 10,00,000 - - - - - - - - - 11,949 11,949 - - 10,00,000 10,00,000 - - - -
2 19 1,00,000 - 11,949 60,000 10,00,000 - - 13,394 - 31,896 - 30,844 - 11,978 25,343 42,793 - - 10,00,000 10,00,000 - - - -
3 20 1,00,000 - 11,949 1,05,000 10,00,000 - - 13,394 - 80,833 - 30,844 - 50,080 25,343 42,793 - - 10,00,000 10,00,000 - - - -
4 21 1,00,000 - 11,949 2,00,000 10,00,000 - - 13,394 - 1,38,895 - 30,844 - 97,344 25,343 42,793 - - 10,00,000 10,00,000 - - - -
5 22 1,00,000 - 11,949 2,55,000 10,00,000 - - 13,394 - 2,03,908 - 30,844 - 1,51,918 25,343 42,793 - - 10,00,000 10,00,000 - - - -
6 23 1,00,000 - 11,949 3,06,000 10,00,000 - - 13,394 - 2,76,241 - 30,844 - 2,14,537 25,343 42,793 - - 10,00,000 10,00,000 - - - -
7 24 1,00,000 - 11,949 3,64,000 10,00,000 - - 13,394 - 3,56,283 - 30,844 - 2,86,008 25,343 42,793 - - 10,00,000 10,00,000 - - - -
8 25 1,00,000 - 11,949 4,16,000 10,00,000 - - 13,394 - 4,44,435 - 30,844 - 3,67,216 25,343 42,793 - - 10,00,000 10,00,000 - - - -
9 26 1,00,000 - 11,949 4,77,000 10,00,000 - - 13,394 - 5,41,124 - 30,844 - 4,59,127 25,343 42,793 - - 10,00,000 10,00,000 - - - -
10 27 1,00,000 - 11,949 5,30,000 10,50,000 - - 13,394 - 6,46,773 - 30,844 - 5,62,781 25,343 42,793 - - 10,50,000 10,50,000 - - - -
11 28 1,00,000 - 11,949 5,94,000 11,55,000 - - 13,394 - 7,61,813 - 30,844 - 6,79,304 25,343 42,793 - - 11,55,000 11,55,000 - - - -
12 29 1,00,000 - 11,949 6,48,000 12,60,000 - - 13,394 - 8,86,725 - 30,844 - 8,09,959 25,343 42,793 - - 12,60,000 12,60,000 - - - -
13 30 - - 11,949 6,60,000 12,60,000 - - 13,394 - 8,93,632 - 30,844 - 8,25,726 25,343 42,793 - - 12,60,000 12,60,000 - - - -
14 31 - - 11,949 6,60,000 12,60,000 - - 13,394 - 9,00,733 - 30,844 - 8,42,639 25,343 42,793 - - 12,60,000 12,60,000 - - - -
15 32 - - 11,949 6,72,000 12,60,000 - - 13,394 - 9,08,029 - 30,844 - 8,60,785 25,343 42,793 - - 12,60,000 12,60,000 - - - -
16 33 - - 11,949 6,72,000 12,60,000 - - 13,394 - 9,15,525 - 30,844 - 8,80,255 25,343 42,793 - - 12,60,000 12,60,000 - - - -
17 34 - - 11,949 6,84,000 12,60,000 - - 13,394 - 9,23,225 - 30,844 - 9,01,150 25,343 42,793 - - 12,60,000 12,60,000 - - - -
18 35 - - 11,949 6,84,000 12,60,000 - - 13,394 - 9,31,130 - 30,844 - 9,23,578 25,343 42,793 - - 12,60,000 12,60,000 - - - -
19 36 - - 11,949 6,96,000 12,60,000 - - 13,394 - 9,39,246 - 30,844 - 9,47,656 25,343 42,793 - - 12,60,000 12,60,000 - - - -
20 37 - - 11,949 6,96,000 12,60,000 - - 13,394 - 9,47,576 - 30,844 - 9,73,508 25,343 42,793 - - 12,60,000 12,60,000 - - - -

2 Vers ion : 1.07 ; Quota tionId : W0011364307

 28-Ma r-2024

21 38 - - 11,949 7,08,000 12,60,000 - - 13,394 - 9,56,124 - 30,844 - 10,01,274 25,343 42,793 - - 12,60,000 12,60,000 - - - -
22 39 - - 11,949 7,08,000 12,60,000 - - 13,394 - 9,64,894 - 30,844 - 10,31,100 25,343 42,793 - - 12,60,000 12,60,000 - - - -
23 40 - - 11,949 7,20,000 12,60,000 - - 13,394 - 9,73,890 - 30,844 - 10,63,150 25,343 42,793 - - 12,60,000 12,60,000 - - - -
24 41 - - 11,949 7,20,000 12,60,000 - - 13,394 - 9,83,114 - 30,844 - 10,97,597 25,343 42,793 - - 12,60,000 12,60,000 - - - -
25 42 - - 11,949 7,32,000 12,60,000 - - 13,394 - 9,92,573 - 30,844 - 11,34,631 25,343 42,793 - - 12,60,000 12,60,000 - - - -
26 43 - - 11,949 7,32,000 12,60,000 - - 13,394 - 10,02,270 - 30,844 2,32,028 11,04,745 25,343 42,793 - - 12,60,000 12,60,000 - - - -
27 44 - - 11,949 7,44,000 12,60,000 - - 13,394 - 10,12,208 - 30,844 2,59,816 11,39,154 25,343 42,793 - - 12,60,000 12,60,000 - - - -
28 45 - - 11,949 7,44,000 12,60,000 - - 13,394 - 10,22,391 - 30,844 2,90,383 11,75,967 25,343 42,793 - - 12,60,000 12,60,000 - - - -
29 46 - - 11,949 7,56,000 12,60,000 - - 13,394 - 10,32,824 - 30,844 3,25,117 12,15,028 25,343 42,793 - - 12,60,000 12,63,425 - - - -
30 47 - - 11,949 7,68,000 12,60,000 - - 13,394 - 10,43,508 - 30,844 3,61,241 12,57,461 25,343 42,793 - - 12,60,000 13,08,060 - - - -
31 48 - - 11,949 7,68,000 12,60,000 - - 13,394 - 10,54,451 - 30,844 4,01,534 13,02,682 25,343 42,793 - - 12,60,000 13,56,864 - - - -
32 49 - - 11,949 7,80,000 12,60,000 - - 13,394 - 10,65,657 - 30,844 4,44,605 13,51,403 25,343 42,793 - - 12,60,000 14,08,446 - - - -
33 50 - - 11,949 7,80,000 12,60,000 - - 13,394 - 10,77,132 - 30,844 4,91,844 14,03,551 25,343 42,793 - - 12,60,000 14,64,196 - - - -
34 51 - - 11,949 7,92,000 12,60,000 - - 13,394 - 10,88,883 - 30,844 5,43,251 14,59,492 25,343 42,793 - - 12,60,000 15,24,114 - - - -
35 52 - - 11,949 7,92,000 12,60,000 - - 13,394 - 11,00,922 - 30,844 5,98,827 15,19,622 25,343 42,793 - - 12,60,000 15,88,201 - - - -
36 53 - - 11,949 8,04,000 12,60,000 - - 13,394 - 11,13,258 - 30,844 6,59,960 15,83,955 25,343 42,793 - - 12,60,000 16,57,845 - - - -
37 54 - - 11,949 8,04,000 12,60,000 - - 13,394 - 11,25,907 - 30,844 7,25,262 16,53,366 25,343 42,793 - - 12,60,000 17,31,658 - - - -
38 55 - - 11,949 8,16,000 12,60,000 - - 13,394 - 11,38,883 - 30,844 7,96,120 17,28,087 25,343 42,793 - - 12,60,000 18,11,027 - - - -
39 56 - - 11,949 8,16,000 12,60,000 - - 13,394 - 11,52,203 - 30,844 8,73,926 18,08,512 25,343 42,793 - - 12,60,000 18,97,344 - - - -
40 57 - - 11,949 8,28,000 12,60,000 - - 13,394 1,40,328 11,23,720 - 30,844 9,58,679 18,95,272 25,343 42,793 - - 12,60,000 19,90,608 - - - -
41 58 - - 11,949 8,28,000 12,60,000 - - 13,394 1,45,886 11,35,888 - 30,844 10,50,379 19,89,053 25,343 42,793 - - 12,60,000 20,90,819 - - - -
42 59 - - 11,949 8,40,000 12,60,000 - - 13,394 1,51,444 11,48,417 - 30,844 11,50,415 20,90,186 25,343 42,793 - - 12,60,000 21,99,365 - - - -
43 60 - - 11,949 8,40,000 12,60,000 - - 13,394 1,57,001 11,61,330 - 30,844 12,57,398 21,99,894 25,343 42,793 - - 12,60,000 23,14,859 - - - -
44 61 - - 11,949 8,52,000 12,60,000 - - 13,394 1,62,559 11,74,644 - 30,844 13,75,496 23,17,812 25,343 42,793 - - 12,60,000 24,41,468 - - - -
45 62 - - 11,949 8,52,000 12,60,000 - - 13,394 1,69,506 11,87,963 - 30,844 15,03,320 24,45,303 25,343 42,793 - - 12,60,000 25,77,803 - - - -
46 63 - - 11,949 8,64,000 12,60,000 - - 13,394 1,76,453 12,01,728 - 30,844 16,40,870 25,83,397 25,343 42,793 - - 12,60,000 27,23,864 - - - -
47 64 - - 11,949 8,64,000 12,60,000 - - 13,394 1,83,399 12,16,101 - 30,844 17,90,924 27,32,402 25,343 42,793 - - 12,74,904 28,82,429 - - - -
48 65 - - 11,949 8,76,000 12,60,000 - - 13,394 1,91,736 12,30,886 - 30,844 19,54,872 28,93,118 25,343 42,793 - - 12,91,752 30,54,888 - - - -
49 66 - - 11,949 8,76,000 12,60,000 - - 13,394 2,00,072 12,46,564 - 30,844 21,31,324 30,67,285 25,343 42,793 - - 13,08,599 32,39,851 - - - -
50 67 - - 11,949 8,88,000 12,60,000 - - 13,394 2,09,798 12,62,744 - 30,844 23,23,060 32,55,548 25,343 42,793 - - 13,26,836 34,40,098 - - - -
51 68 - - 11,949 8,88,000 12,60,000 - - 13,394 2,19,524 12,79,778 - 30,844 25,31,469 34,59,068 25,343 42,793 - - 13,45,073 36,57,018 - - - -
52 69 - - 11,949 9,00,000 12,60,000 - - 13,394 2,29,249 12,97,718 - 30,844 27,56,550 36,79,588 25,343 42,793 - - 13,63,309 38,90,610 - - - -
53 70 - - 11,949 9,00,000 12,60,000 - - 13,394 2,41,754 13,15,798 - 30,844 30,02,472 39,17,765 25,343 42,793 - - 13,84,325 41,45,043 - - - -
54 71 - - 11,949 9,12,000 12,60,000 - - 13,394 2,54,258 13,34,872 - 30,844 32,67,845 41,76,077 25,343 42,793 - - 14,05,340 44,18,927 - - - -
55 72 - - 11,949 9,12,000 12,60,000 - - 13,394 2,66,763 13,55,015 - 30,844 35,56,838 44,55,572 25,343 42,793 - - 14,26,356 47,16,431 - - - -
56 73 - - 11,949 9,24,000 12,60,000 - - 13,394 2,80,657 13,75,890 - 30,844 38,69,451 47,58,736 25,343 42,793 - - 14,48,761 50,37,555 - - - -
57 74 - - 11,949 9,36,000 12,60,000 - - 13,394 2,95,940 13,97,560 - 30,844 42,09,852 50,87,102 25,343 42,793 - - 14,72,555 53,86,467 - - - -
58 75 - - 11,949 9,36,000 12,60,000 - - 13,394 3,12,613 14,20,095 - 30,844 45,79,429 54,43,253 25,343 42,793 - - 14,97,739 57,64,555 - - - -

3 Vers ion : 1.07 ; Quota tionId : W0011364307

 28-Ma r-2024

59 76 - - 11,949 9,48,000 12,60,000 - - 13,394 3,29,285 14,43,979 - 30,844 49,80,963 58,29,708 25,343 42,793 - - 15,22,922 61,74,600 - - - -
60 77 - - 11,949 9,48,000 12,60,000 - - 13,394 3,47,348 14,68,926 - 30,844 54,15,842 62,49,741 25,343 42,793 - - 15,49,496 66,17,990 - - - -
61 78 - - 11,949 9,60,000 12,60,000 - - 13,394 3,66,799 14,95,028 - 30,844 58,91,014 67,05,420 25,343 42,793 - - 15,77,458 71,01,673 - - - -
62 79 - - 11,949 9,60,000 12,60,000 - - 13,394 3,87,640 15,22,398 - 30,844 64,06,477 72,01,222 25,343 42,793 - - 16,06,810 76,25,647 - - - -
63 80 - - 11,949 9,72,000 12,60,000 - - 13,394 4,09,870 15,51,155 - 30,844 69,67,791 77,40,605 25,343 42,793 - - 16,37,551 81,95,472 - - - -
64 81 - - 11,949 9,72,000 12,60,000 - - 13,394 4,33,490 15,81,445 - 30,844 75,79,122 83,27,963 25,343 42,793 - - 16,69,682 88,15,314 - - - -
65 82 - - 11,949 9,84,000 12,60,000 - - 13,394 4,58,499 16,13,431 - 30,844 82,46,030 89,67,994 25,343 42,793 - - 17,03,202 94,90,733 - - - -
66 83 - - 11,949 9,84,000 12,60,000 - - 13,394 4,86,287 16,46,888 - 30,844 89,72,681 96,66,558 25,343 42,793 - - 17,39,501 1,02,25,895 - - - -
67 84 - - 11,949 9,96,000 12,61,725 - - 13,394 5,15,464 16,82,373 - 30,844 97,66,022 1,04,29,652 25,343 42,793 - - 17,77,189 1,10,27,747 - - - -
68 85 - - 11,949 9,96,000 12,70,236 - - 13,394 5,46,030 17,20,137 - 30,844 1,06,31,612 1,12,64,761 25,343 42,793 - - 18,16,266 1,19,01,848 - - - -
69 86 - - 11,949 10,08,000 12,78,747 - - 13,394 5,79,376 17,60,073 - 30,844 1,15,80,566 1,21,79,061 25,343 42,793 - - 18,58,123 1,28,59,313 - - - -
70 87 - - 11,949 10,08,000 12,87,258 - - 13,394 6,15,500 18,02,440 - 30,844 1,26,18,440 1,31,82,671 25,343 42,793 - - 19,02,758 1,39,05,698 - - - -
71 88 - - 11,949 10,20,000 12,95,769 - - 13,394 6,54,403 18,47,546 - 30,844 1,37,56,350 1,42,86,053 25,343 42,793 - - 19,50,172 1,50,52,119 - - - -
72 89 - - 11,949 10,20,000 13,04,280 - - 13,394 6,94,695 18,96,182 - 30,844 1,50,06,801 1,55,01,385 25,343 42,793 - - 19,98,975 1,63,11,081 - - - -
73 90 - - 11,949 10,32,000 13,12,791 - - 13,394 7,40,545 19,47,723 - 30,844 1,63,80,908 1,68,43,772 25,343 42,793 - - 20,53,336 1,76,93,699 - - - -
74 91 - - 11,949 10,32,000 13,21,302 - - 13,394 7,87,784 20,03,699 - 30,844 1,78,95,343 1,83,30,100 25,343 42,793 - - 21,09,086 1,92,16,645 - - - -
75 92 - - 11,949 10,44,000 13,29,813 - - 13,394 8,39,192 20,64,184 - 30,844 1,95,65,390 1,99,81,535 25,343 42,793 - - 21,69,005 2,08,95,203 - - - -
76 93 - - 11,949 10,44,000 13,38,324 - - 13,394 8,96,157 21,29,547 - 30,844 2,14,11,889 2,18,22,922 25,343 42,793 - - 22,34,481 2,27,50,213 - - - -
77 94 - - 11,949 10,56,000 13,46,835 - - 13,394 9,57,290 22,00,982 - 30,844 2,34,57,071 2,38,85,201 25,343 42,793 - - 23,04,125 2,48,03,906 - - - -
78 95 - - 11,949 10,56,000 13,55,346 - - 13,394 10,23,980 22,79,363 - 30,844 2,57,28,724 2,62,06,457 25,343 42,793 - - 23,79,326 2,70,84,070 - - - -
79 96 - - 11,949 10,68,000 13,63,857 - - 13,394 11,24,017 23,57,817 - 30,844 2,86,40,885 2,90,09,876 25,343 42,793 - - 24,87,874 3,00,04,742 - - - -
80 97 - - 11,949 10,68,000 13,72,368 - - 13,394 12,28,221 24,40,370 - 30,844 3,18,39,261 3,21,48,520 25,343 42,793 - - 26,00,589 3,32,11,629 - - - -
81 98 - - 11,949 10,80,000 13,80,879 - - 13,394 13,33,814 25,27,958 - 30,844 3,53,34,966 3,56,77,124 25,343 42,793 - - 27,14,693 3,67,15,845 - - - -
82 99 - - 11,949 10,80,000 13,89,390 13,89,390 - 13,394 14,39,408 28,28,798 - 30,844 3,91,30,780 4,05,20,170 25,343 42,793 28,28,798 4,05,20,170 28,28,798 4,05,20,170 - - - -
Notes : Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any, and Goods & Service Tax. Refer Sales Literature for explanation of terms used in this illustration.
I, ___________________________ (name), have explained the premiums, and benefits under the product fully to the prospect / I, bdhd hrh , having received the information with respect to the above, have understood the above statement before entering into the
policyholder. contract.

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

4 Vers ion : 1.07 ; Quota tionId : W0011364307

 28-Ma r-2024

Terms and Conditions

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 at the beginning of the mode of payment chosen. 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 - Legacy Plus 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 Benefit (shown in column 12 & 16) is 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) Total Survival Benefit includes Guaranteed Income (Guaranteed Benefit) & Cash Bonus (Non-Guaranteed Benefit)
7) # The Guaranteed Surrender Benefit (shown in column 6) will be reduced by the Total Survival Benefit paid out/accrued till the date of surrender floored to zero.
8) Maturity Benefit shown under ‘Total Benefits’ includes Sum Assured on Maturity and Terminal Bonus, if declared
9) ^^If Accrual of Survival Benefit Pay-outs is chosen as "Yes", then the accrued amount is paid out after the completion of the End Age (Opt out) chosen. Also, for the purpose of this illustration,
it is assumed that the request for Opt-in is received at the beginning of the Start Policy Year.
10) In case Accrual of Survival Benefit Pay-outs option is chosen for the purpose of generating this illustration, the policyholder can choose to opt in or opt out of this feature multiple times and at any point during the Policy Term.
The policyholder can withdraw the accrued survival benefits in any proportion up to 100% of the accrued amount at any point during the Policy Term.The unpaid accrued survival benefit, shall be paid along with other benefits payable at the time of termination of the policy due to
death , maturity, or surrender. The policyholder can opt in or opt out of this option by giving a written request to the Company.
11) In case the Life assured 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 assured. In case of death of the Life assured who is a minor, the death benefit will be
paid to the Proposer in the policy.

12) Cash bonus and Terminal Bonus would depend on the performance of the Par fund of the company.

13) The Illustrated Death Benefit, Surrender Benefit and Maturity Benefit shown above are applicable at the end of the Policy Year and are calculated assuming survival benefits due in that policy year have been paid.

5 Vers ion : 1.07 ; Quota tionId : W0011364307