Bajaj Allianz Life

POS Goal Suraksha

A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

BAJAJ ALLIANZ LIFE

POS G AL
A Non Linked, Non Participating, Individual,
Life Insurance Savings Plan
Bajaj Allianz Life
POS Goal Suraksha
A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

Bajaj Allianz Life POS Goal Suraksha

Your family’s security and its future well-being is one of the most treasured dreams in your life. But when Security
is backed up by a guarantee, your dream can transform into an achievable GOAL. Presenting Bajaj Allianz Life POS
Goal Suraksha, an easy to buy, insurance plan that secures you and your family with a life cover and a guaranteed
sum at maturity.

Key Advantages
Bajaj Allianz Life POS Goal Suraksha is a non-linked, life, individual, non-participating, limited premium payment,
non-medical, POS savings plan. The key advantages of this plan are:
• Guaranteed maturity benefit
• Offers Guaranteed Additions at maturity
• Limited premium payment term
• Option to take policy loan
• Option to alter premium payment mode

How does the Plan work?

You can customize your policy to suit your requirement in the following manner:
Step 1: Choose your Premium amount
Step 2: Choose your Sum Assured
Step 3: Choose your Policy Term (PT)
Step 4: Choose your Premium Payment Term (PPT) from available options

Benefits Payable

Maturity Benefit
On the maturity date, if all premiums are paid, the Guaranteed Sum Assured on Maturity plus Guaranteed Additions,
under your policy, will be paid and the policy will terminate.

Guaranteed Additions
On maturity date, if all due premiums have been paid, Guaranteed Additions as a multiple of one Annualized Premium
will be paid along with the maturity benefit. Guaranteed additions will not be payable in case of a lapsed or paid-up
policy.
For details on Guaranteed Addition factors kindly visit the company website.

Death Benefit
In case of unfortunate death of the Life Assured due to accident during the waiting period or in case of death of the Life
Assured after the waiting period due to any cause, the death benefit is payable to the nominee(s)/beneficiaries. Such
death benefit is stated as Sum Assured on Death which is as below.
The Sum Assured on Death is the higher of:
(i) Sum Assured Multiple X Annualized Premium, (ii) Sum Assured,
In case of death of the Life Assured during the Waiting period other than due to an accident, the death benefit paya-
ble to the nominee(s)/beneficiaries will be the 100% of Total Premiums paid till date, excluding any extra premium &
Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws.
At no time the Death Benefit will be less than Guaranteed Death Benefit of 105% of the Total Premiums paid up to the
date of death.The policy will terminate on payment of the death benefit.
Bajaj Allianz Life
POS Goal Suraksha
A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

The death benefit is payable provided the policy is in-force and all due premiums have been paid.

SA multiple allowed under the product are

Age SA Multiple
0-49 7 or 10
50-55 5 or 10

Low Cover Mark-up

At the inception of the policy, if you opt for a sum assured multiple of 7 / 5 times the Annualized Premium, you shall
receive a “Low Cover Mark-up” wherein you will be able to enjoy additional Guaranteed Additions resulting into a
higher Maturity Benefit.
For details on “Low Cover Mark-up” factors kindly visit the company website.

Sample Illustration
Subhash is 35years old (Male) and is taking a Bajaj Allianz Life POS Goal Suraksha. He purchases Bajaj Allianz Life
POS Goal Suraksha on his life with a Policy Term of 15 years and pays `1,00,000 p.a. for 12 years with an aim of
creating a corpus after few years.

Maturity Benefit: On survival till the end of the policy term

Total Premium 1.67 Total Benefit

`12,00,000 Times `20,03,000

Death Benefit: In case of unfortunate death in the 14th policy year.

Note:
In the above illustration, Subhash is the Proposer and Life Assured. The premiums mentioned above are exclusive of any
extra premium loading and Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws.
1) The death benefit will be receivable by the nominee(s)/beneficiaries and demonstrated in the above illustration as death of Life Assured at the end of PPT
2) The premiums mentioned above are exclusive of any extra premium loading and Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws.
Bajaj Allianz Life
POS Goal Suraksha
A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

Surrender
We advise you to continue your policy and enjoy the benefits of your policy. However, we understand that in certain
circumstances you may want to surrender your policy
• You can surrender the policy at any time during the policy term after completion of first policy year provided
one full years’ premium has been received.
• The Policy will acquire a Surrender Value (i.e. Special Surrender Value SSV) after completion of first policy
year provided one full’ year premium has been received.
• The Policy will acquire a Guaranteed Surrender Value provided two (2) full years’ premiums have been paid.
• The Surrender Value payable will be higher of:
o Guaranteed Surrender Value (GSV) where, GSV is GSV is the sum of GSV1 and GSV2
• GSV1 = GSV1 factor x [Total Premiums paid]
• GSV2 = GSV2 factor x Guaranteed Additions (if all premiums payable under the policy is received
by the company)
o Special Surrender Value (SSV)
• For details on Special Surrender Value, kindly refer the policy document on the Company Website
• The risk cover will terminate on date of surrender and the policy will terminate on the date of payment of
surrender benefit.
GSV factors are guaranteed throughout the Policy Term. The SSV factors mentioned above are not guaranteed, will
be reviewed by the company annually.

Features

Loan
You may avail loan under your policy, provided that your policy has acquired a surrender benefit. The maximum loan
amount granted (cumulatively) shall be up to 80% of the surrender benefit available under your policy as on date of
the loan request being considered. Loan interest rate applicable currently is 10% per annum compounding half-yearly,
however the loan interest rate may be revised by the company from time-to-time. On death, surrender or maturity, the
outstanding policy loan plus interest, as on the date of death/ surrender /maturity, will be deducted from the death/
surrender /maturity benefit payable.
The policy will be foreclosed under the following circumstances:
1. For other than in-force and fully paid-up policies: If, at any time during the policy term, the outstanding policy
loan and interest exceeds the surrender value, then, the company will inform the policyholder for payment of
interest-due and/or full/part repayment with the notice period of 30-days and, at the end of notice period, the
policy will be foreclosed and any surrender value will be adjusted towards the outstanding loan plus interest
2. For in-force or fully paid-up policies: The policy will not be foreclosed on the ground of outstanding loan amount
including interest exceeds the surrender value.

Note: The loan interest rate will be benchmarked to the G-Sec based on the information from Financial Benchmark India Private
Ltd (FBIL). It will be equal to [10-year G-Sec yield PLUS 2%] rounded-up to the next full interest rate. The loan interest rate will
be reviewed on an annual basis. Any change in bases used for determination of applicable interest rate will be subject to prior
approval of IRDAI.
 Bajaj Allianz Life
POS Goal Suraksha
A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

Alteration of Premium Paying Frequency

You will have the option to change the prevailing premium payment frequency under this policy at any policy anni-
versary, subject to the availability of the frequency and subject to the minimum modal premiums applicable under
product then. The frequency factors are:

Premium frequency Monthly Quarterly Half yearly Yearly

Frequency Factor
0.0859 0.2564 0.5084 1.00
(frequency)

The quarterly and monthly mode will be allowed only under auto-debit process (as per the approved RBI facilities)

Tax Benefits
As per applicable tax laws as amended from time to time. You are requested to consult your tax consultant and /obtain
independent advice for eligibility and before claiming any benefit under the policy.

Eligibility Condition
Parameter Details
0 years
Minimum Entry Age
On attaining the age of majority, i.e., 18 years, the Policy will vest on Life Assured
Maximum Entry Age 55 years
Minimum Age at Maturity 18 years
Maximum Age at Maturity 65 years
Policy Term (PT) & PT (In years) 10 12 15 20
Premium Payment Term
(PPT) PPT (In years) 7 6, 7, 8 5, 6, 7, 8, 10 & 12 5, 6 , 7, 8, 10 & 12

Mode Yearly Half-Yearly* Quarterly* Monthly*

Minimum Premium
Premium (`) 3,000 2,100 1,250 450

Maximum Premium As per Maximum Sum Assured

Age Minimum Sum Assured

Minimum Sum Assured 0-49 21,000
50-55 15,000

`25,00,000
Maximum Sum Assured (As per prevailing POS guidelines, as amended from time to time, and as per the prevailing
Board Approved Underwriting Policy)
Yearly, Half yearly, Quarterly and Monthly
Premium Payment
*Half-Yearly, Quarterly & Monthly premium payment frequency will be allowed only under
Frequency
auto-debit process (as per the approved RBI facilities)

All ages mentioned above are age as on last birthday. Risk cover, even for minor life, will commence immediately on the
date of commencement of risk of the policy. The product is available for sale through online mode.
Bajaj Allianz Life
POS Goal Suraksha
A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

Non-payment of Premiums
• If at least one (1) full years’ premium is not paid then, your policy will immediately and automatically lapse at the
expiry of the grace period and no benefit will be payable under the policy.

• If at least one (1) full years’ premium is paid and the policy has acquired a surrender value, the policy shall not
lapse by reason of the non-payment of future premiums, instead the policy will be, immediately & automatically,
converted to a paid-up policy at the expiry of the grace period.
1. Your policy will be immediately and automatically converted to a paid-up policy and the sum assured, guar-
anteed sum assured on maturity and sum assured on death under the policy will be automatically reduced,
respectively, to the paid-up sum assured, paid-up guaranteed sum assured on maturity & paid-up sum assured
on death by a factor equal to the proportion of the number of premiums paid to the total number of premiums
payable under the policy.
2. On death of the life assured before the maturity date, paid-up sum assured on death will be paid and the policy
will terminate.
3. On the maturity date, paid-up guaranteed sum assured on maturity will be paid and the policy will terminate.
• Paid-up Guaranteed Death Benefit is 105% of the Total Premiums paid till date of paid-up.
• No Guaranteed Additions will be available in the policy after the policy is lapsed or paid-up.
• You may revive your paid-up policy during the revival period of five (5) years from the due date of first unpaid
premium, subject to the revival conditions under the policy.

Revival
If your policy is lapsed/is in paid-up status due for non-payment of premium, you may revive the policy subject to
the following conditions:
a) The application for revival is made within five (5) years from the due date of the first unpaid premium.
b) The arrears of premiums together with interest, at such rate as the company may decide from time to time along
with applicable taxes are paid. The current applicable revival interest is 10% p.a. compounded half- yearly.
c) Satisfactory evidence of your good health, at your expense, is submitted;
d) The revival of the policy may be on terms different from those applicable to the policy before it lapsed/became
paid-up, based on prevailing Board approved underwriting guidelines of the company.
e) The revival will take effect only on it being specifically communicated by the Company to you.
f) The Company may revive or refuse to revive the policy, based on the prevailing Board approved underwriting
guidelines. If the policy is refused revival, the company will refund the amount deposited for the purpose of reviv-
al of the policy.
g) On revival, the sum assured, sum assured on death, guaranteed sum assured on maturity and guaranteed addi-
tions, under the policy which prevailed before the date of latest lapse/conversion of policy to paid-up status will
be reinstated.

Note: The revival interest rate and the loan interest rate will be benchmarked to the G-Sec based on the information from Financial Benchmark India Private Ltd (FBIL).
It will be equal to [10-year G-Sec yield PLUS 2%] rounded-up to the next full interest rate. The revival interest rate will be reviewed on an annual basis. Any change in
bases used for determination of applicable interest rate will be subject to prior approval of IRDAI.

Termination
This policy shall automatically and immediately terminate on the earlier occurrence of either of the following events:
a) Payment of surrender benefit.
b) At the expiry of the revival period, if the lapsed policy has not been revived, the risk cover will terminate immediately
on the lapse of the Policy.
c) On the death of the life assured.
d) On date of foreclosure of the policy, if outstanding loan plus interest under a paid-up policy exceeds the surrender
benefit.
e) On the maturity date.
f) On cancellation of policy during Free look period.
Bajaj Allianz Life
POS Goal Suraksha
A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

Grace Period
A grace period of 30 days for yearly, half yearly & quarterly premium payment frequency and 15 days is available for
monthly premium payment frequency from the due date of Regular Premium payment, without any late fee, during
which time the Policy is considered to be in-force with the risk cover without any interruption as per the Policy terms
and conditions.

Free Look Period

You will have a free look period of thirty (30) days beginning from the date of receipt of the Policy Document, whether
received electronically or otherwise, to review the terms and conditions of the policy .In the event You disagree to any
of the policy terms or conditions, or otherwise and have not made any claim, You shall have the option to return the
policy to Us for cancellation, stating the reasons for the same. Irrespective of the reasons mentioned, You shall be
entitled to a refund of the premium paid subject only to a deduction of a proportionate risk premium for the period
of cover and the expenses, if any, incurred by the insurer on medical examination of the proposer and stamp duty
charges. The request for cancellation of the policy during free look period shall be processed and rider premium
shall be refunded within 7 days of receipt of such request.

Suicide Exclusions
In case of death of the life assured due to suicide within 12 months from the date of commencement of risk or the
date of latest revival of the policy, whichever is later, then the nominee or beneficiary of the policyholder shall be
entitled to receive, the higher of 80% of the Total Premiums paid** or the surrender benefit as on the date of death,
provided the policy is in force.
** Total Premium means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly

Waiting Period
Waiting period is the first 90 days from the date of commencement of risk. Waiting period is not applicable in case
of revival.
In case of death during the waiting period other than due to an accident, only 100% of premium paid excluding extra
premium & Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws will be paid.

There are no other exclusions other than the suicide clause and waiting period mentioned above.

Definitions
a. “Paid-up Sum Assured” is the reduced value of the Sum Assured arrived at by multiplying the Sum Assured with
the proportion of the number of Regular Premiums received to the total number of Regular Premiums payable
under the Policy during the premium payment term.
b. “Paid-up Sum Assured on Maturity” is the reduced value of the Guaranteed Sum Assured on Maturity arrived at
by multiplying the Sum Assured on Maturity with the proportion of the number of Regular Premiums received to
the total number of Regular Premiums payable under the Policy.
c. “Paid-up Sum Assured on Death” is the reduced value of the Sum Assured on Death arrived at by multiplying
the Sum Assured on Death with the proportion of the number of Regular Premiums paid to the total number of
Regular Premiums payable under the Policy.
d. “Accident” is a sudden, unforeseen and involuntary event caused by external, visible, and violent means.
e. “Accidental Death” means death caused by sudden, unforeseen and involuntary event caused by external, visi-
ble, and violent means as revealed by an autopsy provided such death was caused directly by such Accident, and
independently of any physical or mental illness within 180 days of the date of Accident
f. “Annualized Premium” shall be the premium amount payable in a year chosen by the policyholder excluding the
taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
Bajaj Allianz Life
POS Goal Suraksha
A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

g. “Total Premium paid” means total of all the premiums paid under the base product, excluding any extra premium
and taxes, if collected explicitly
h. “Guaranteed Sum Assured on Maturity” is (110%*Premium Payment Term) times the Annualized Premium
i. “Sum Assured (SA)” is SA multiple X the Annualized Premium.
j. “Waiting period” is the first 90 days from the date of commencement of risk. Waiting period is not applicable in
case of revival.

Mark-ups available in the plan

• Low Cover Booster, Staff, Partner Worksite Marketing, Web (for Online Sales / Web Aggregators), Family Benefit
mark-ups will be available for our customers, wherein an additional guaranteed addition factor up to 1.62 will
be added to the Maturity Benefit

Statutory Information

Assignment (Section 38 of the Insurance Act, 1938)

Assignment shall be in accordance with provisions of section 38 of the Insurance Act 1938 as amended from time
to time.

Nomination (Section 39 of the Insurance Act, 1938)

Nomination shall be in accordance with provisions of section 39 of the Insurance Act 1938 as amended from time
to time

Prohibition of Rebate (Section 41 of the Insurance Act, 1938) as amended from time to time
“No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or
renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the
whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person
taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accord-
ance with the published prospectuses or tables of the insurer.
Any person making default in complying with the provision of this section shall be liable for a penalty which may
extend up to ten lakh rupees.”

Fraud & Misstatement (Section 45 of the Insurance Act, 1938)

Fraud & Misstatement would be dealt with in accordance with provisions of section 45 of the Insurance Act 1938 as
amended from time to time.

Applicability of Goods & Service Tax

Goods and Service Tax is charged based on type of policy communication address of Policy Holder. This may
change subject to change in rate/state in address of the Policy Holder as on date of adjustment.

Disclaimer
All Charges applicable shall be levied. This brochure should be read in conjunction with the Benefit Illustration. The
policy document is the conclusive evident of contract and provides in details all the conditions and exclusions related
to Bajaj Allianz Life POS Goal Suraksha. Please ask for the same along with the quotation.
The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use
its “Bajaj” Logo and Allianz SE to use its “Allianz” logo.
 Bajaj Allianz Life
POS Goal Suraksha
A Non Linked, Non Participating, Individual, Life Insurance Savings Plan

About Bajaj Allianz Life Insurance

Bajaj Allianz Life Insurance Co. Ltd., one of India’s leading private life insurers, is a joint venture between Bajaj Fin-
serv Limited, one of the most diversified nonbanking financial institutions in India, and Allianz SE, one of world’s
leading global insurer and asset manager. This joint venture Insurance Company incorporates global expertise
with local experience.

Contact Details
Bajaj Allianz Life Insurance Company Limited, Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006.
IRDAI Reg No.: 116 | BALIC CIN: U66010PN2001PLC015959
For any queries please contact:

Sales: 1800 209 4040 Service: 1800 209 7272

Mail us: customercare@bajajallianz.co.in Visit us at: www.bajajallianzlife.co.in UIN: 116N155V13

For More Information: Kindly consult our “Insurance Consultant” or call us today on the TOLL FREE numbers mentioned above. Please
ask for the same along with the quotation.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRADULENT OFFERS -

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are
requested to lodge a police complaint.

BJAZ-BR-EC-10200/24
 Bajaj Allianz Life POS Goal Suraksha
A Non linked, Non Participating, Individual, Life Insurance Savings Plan

Name of the Prospect/ Valued Customer Name of the Product: Bajaj Allianz Life POS Goal Suraksha
Policyholder: A Non linked, Non Participating,
Age (Years): 35 Tag Line: Individual, Life Insurance Savings
Gender Male Plan
Name of the Life Assured: Valued Customer Unique Identification Number: 116N155V13
Age (Years): 35 GST Rate(First Year): 4.50%
Gender Male GST Rate(2nd Year onwards): 2.25%
Policy Term (Years): 15
Premium Payment Term 12
(Years):
Amount of Instalment 1,04,500
Premium (Rs.):
Mode of payment of Annual
Premium:

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy.
Policy Details

Sum Assured (Rs.): 10,00,000 Sum Assured on Death (at 10,00,000

inception of the policy) (Rs.):
Guaranteed Sum Assured on 13,20,000
Maturity Rs.

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST 1,00,000 0 1,00,000
Instalment Premium with First Year GST 1,04,500 0 1,04,500
Instalment Premium with GST 2nd year 1,02,250 0 1,02,250
Onwards

(Amount in Rupees )
#

Guaranteed Non Guaranteed

Policy Annualized Premium (Excl of Guaranteed Maturity Death Guaranteed Surrender Value Special Surrender Value Surrender Value
Year GST) Additions Benefit Benefit^! (GSV) (SSV) Payable

EOTe EOTe EOYe EOYe EOYe EOYe

1 1,00,000 0 0 10,00,000 0 41,030 41,030
2 1,00,000 0 0 10,00,000 60,000 87,950 87,950
3 1,00,000 0 0 10,00,000 1,05,000 1,41,411 1,41,411
4 1,00,000 0 0 10,00,000 2,00,000 2,02,129 2,02,129
5 1,00,000 0 0 10,00,000 2,50,000 2,70,894 2,70,894
6 1,00,000 0 0 10,00,000 3,00,000 3,48,575 3,48,575
7 1,00,000 0 0 10,00,000 3,50,000 4,36,133 4,36,133
8 1,00,000 0 0 10,00,000 4,80,000 5,34,629 5,34,629
9 1,00,000 0 0 10,00,000 5,40,000 6,45,248 6,45,248
10 1,00,000 0 0 10,50,000 6,00,000 7,69,305 7,69,305
11 1,00,000 0 0 11,55,000 7,15,000 9,08,276 9,08,276
12 1,00,000 0 0 12,60,000 13,29,051 16,02,214 16,02,214

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Quotation No : 70007012541

Guaranteed Non Guaranteed

Policy Annualized Premium (Excl of Guaranteed Maturity Death Guaranteed Surrender Value Special Surrender Value Surrender Value
Year GST) Additions Benefit Benefit^! (GSV) (SSV) Payable

EOTe EOTe EOYe EOYe EOYe EOYe

13 0 0 0 12,60,000 14,46,257 17,25,015 17,25,015
14 0 0 0 12,60,000 16,90,587 18,58,251 18,58,251
15 0 6,83,000 20,03,000 12,60,000 0 0 0

EOYe: End Of Policy Year EOTe: End Of Policy Term

^! In case of Death Benefit, the corresponding number in the 'Policy Year' column should be read as the Year in which Death happens at Year-
End.
# In case of 'Surrender' Benefits, the corresponding number in the 'Policy Year' column should be read as the Year in which the Policy is
Surrendered at Year-End.
Notes:
Annualized Premium excludes underwri ng extra premium, the premiums paid towards the riders, if any, and Goods & Service Tax. Refer
Sales literature for explanation of terms used in this illustration.

I, __ ____ , have explained the premiums, charges and benefits I,__Valued Customer __ , having received the informa on with
under the policy fully to the prospect / policyholder. respect to the above, have understood the above statement before
entering into the contract.

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

Disclaimers:
1. The above information should be read in conjunction with the Sales Literature.
2. Further clarification can be sought by contacting company's sales representative or by sending an e-mail on customercare@bajajallianz.co.in.
3. Waiting Period:
Waiting period is the first 90 days from the date of acceptance of risk .
In case of death during the waiting period (other than due to an accident), only 100% of premium paid excluding GST will be paid.
4. Death Benefit (Death of life assured during the policy term & if the policy is in-force for full sum assured):
Death during Waiting Period other than due to an Accident: Return of all premium/s paid till date.
Death during Wai ng Period due to Accident and Death a er Wai ng Period due to any cause: Sum Assured on Death as on date of death & policy
will terminate on payment of death benefit.
5. Maturity Benefit:
On survival of life assured to the maturity date, Guaranteed Sum Assured on Maturity* plus Guaranteed addi ons will be payable and policy will
terminate on the maturity date.
*Guaranteed Sum Assured on Maturity is (PPT*110%) times the Annualized Premium.
6. Guaranteed Addition:
At the end of the policy term, on the maturity date, Guaranteed Addi ons as a mul ple of one (1) Annualised Premium, as per the table given below,
will be a ached to the policy; provided all the due premiums have been paid. For details on Guaranteed Addi on factors kindly visit the company
website.
7. Surrender Benefit:
The policy will acquire a Surrender Value (i.e. Special Surrender Value SSV) a er comple on of first policy year provided one full year premium has
been received. The policy will acquire a Guaranteed Surrender Value provided two (2) full years’ premiums have been paid. The surrender value
payable will be the higher of the guaranteed surrender value (GSV) or the special surrender value (SSV) GSV factors are guaranteed throughout the
Policy Term. The SSV factors men oned above are not guaranteed, will be reviewed by the company at least annually and will be based on prevailing
10-year G-Sec yields plus 50 bps and underlying experience.
8. Goods & Service Tax (GST) would be payable as per applicable tax law.
9. All the benefits under this plan are guaranteed.
10. Premiums payable and benefits receivable would be eligible for tax benefits, as per the then existing tax laws.
This illustration should be read along with the product brochure for detailed terms and conditions.

Bajaj Allianz Life Insurance Co. Ltd.,

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006. Reg No.: 116.
Tel:(020) 66026777.
Email: customercare@bajajallianz.co.in
www.bajajallianzlife.com

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