IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

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1 Unit Linked Group Superannuation Plan IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Why Superannuation Benefits? Organizations across the world help employees to safeguard their retirement era by providing various kinds of retirement benefits. Superannuation plans have been one of the most common and successful long-term investment vehicle designed to provide money during retirement. A Group Superannuation scheme can be a good option for organizations to systematically plan for the increasingly crucial post-retirement days of their employees. The objective is to build a sizeable corpus for an employee as he approaches retirement. A part of the corpus (up to onethird) can be commuted and the remaining amount used to purchase an annuity. This plan offers a total financial solution to the employer and the employee. The employer can use this as effective employee retention and a loyalty reward tool. The customized financial solutions offered by the plan, such as creation & management of Retirement Fund, availability of Annuities and flexibility through options to optimize returns helps each employee achieve his retirement goals. Moreover, the Plan is Tax efficient and offers hassle free one stop solution for fund management and annuity provision. Why Group Superannuation Plan From MNYL? MNYL offers a fully featured flexible superannuation plan, which is both easy to use and, provides extra and great value for your hard earned money. The product provides a win win situation to both the employer as well as the employee. The tax benefits to the trust are availed by the employer (Employer s contribution is treated as Business Expense), whereas the employee is provided by a healthy retirement fund. The employee, as per the trust rules, can choose from various annuity options at the time of annutisation. Advantages of MNYL Group Superannuation Plan Customized Services Provided Great Value For Money - Extra Allocation of 3% Lower Charges Easy To Use And Understand 1

2 Great Value For Your Money Employer and Employee contributions in the first policy Year will be allocated at 103%. Form second policy year onwards, the contributions will be allocated at 100%. 1 st policy Year - You pay Rs. 100,000 and we allocate Rs 103,000 to members account! 2 nd Policy Year Onwards - You pay Rs. 100,000 and we allocate Rs 100,000! No Entry Load or Allocation Charge During the entire Policy Life Lower Charges Fund Management Charges on the funds available are competitive in the industry Easy To use & Understand A unit-linked product where each employee s account value can be seen anytime How does the plan work? This is a unit linked group superannuation plan for employer-employee groups. A minimum of one account is established for each individual/member under the scheme, to which employer contributions are credited. The rules pertaining to the amount of employer contributions to this account would be as per Trust Rules. Such account will be designated as Main Account. An optional account may be established for each member to allocate the voluntary employee contributions. These voluntary contributions may be regular, lump sum or transfers from previous employment or from any such other sources. Such Account will be designated as Voluntary Contribution Account. All the contributions would be received only through the trustees. The trustees shall mention the contribution allocation ratio between the voluntary contribution accounts and the main accounts. In addition, at scheme level there would be a single account under each policy termed as Company Account. This account will facilitate investment of excess money with the trust. Excess money may arise when: Minimal of charge components Simple and transparent product design Flexibilities in investment by the Employer as well as employee Switching & Redirections Employees leave the scheme before the benefit vesting period, (example: Say 5 years), or Adjustment of extra Contribution, if any, by trustees. 2

3 The trustees can use the amounts in the company account or to pay future contributions. Policy Member A Voluntary Contribution Account Main Account Voluntary Contribution Account Voluntary Contribution Account Voluntary Contribution Account Types Of Contributions Member B Member C Member D Main Account Main Account Main Account Company Account Initial Contribution Initial contributions are required to secure the benefits relating to past service of the members. Ordinary Annual Contributions Ordinary Annual contributions are required to secure the benefits in respect of the current year of service of the members. Member s Voluntary Contribution Member s voluntary contributions are required to secure benefits in respect of the current year of service of the members. What are the benefits under the plan? Superannuation benefits can only be payable on occurrence of following events, as per trust rules: Death Disablement resulting in termination of employment of a member Retirement Resignation Any other reason resulting in termination of employment of a member 3

4 Benefits Payable On Occurrence Of Death or Disablement: The benefit payable on the death or disablement of the member would be the account value existing in the voluntary contribution and main account of the member, on the date of intimation for occurrence of the event. The benefit payout options shall be at the discretion of the nominee or legal heir. The nominee/legal heir can choose: Either, -100% accumulations to purchase annuities Or -100% withdrawals, as lump sum benefit with no tax implications. Or - A part of the account value can be used to purchase annuities and rest can be withdrawn as lump sum benefit. Benefits Payable On Survival (Retirement & Resignation): Under insured events such as Retirement, Resignation or Termination of Employment the trustees would provide following benefit options to the members: 1. The applicable account value (as per trust rules), would be used to buy annuities from MNYL or from any other IRDA approved insurers. 2. Commute maximum up to one-third (1/3) of the account value as immediate cash payment, and rest of the amount to be used to buy annuities as per above clause. Eligibility Criteria Applicable to Groups Minimum Group Size is 25 Members Minimum Entry Age is 18 Years Maximum Entry Age is 64 Years Minimum annual Contribution is Rs. 6000/- per annum per member Maturity/ Retirement Age as per Scheme Rules What are the investment options available? The investment options available under each account are: 4

5 Conservative Fund Low Risk, Low Returns Government Sceurities Corporate Bond(Investment Grade) Money Market Instruments Equities Govt. Securities Corporate Bonds Money Market (Investment grade) Instruments / Cash Equities Nil Figures in percentages Balanced Fund Medium Risk, Medium returns Government Sceurities Corporate Bond(Investment Grade) Money Market Instruments Equities Govt. Securities Corporate Bonds Money Market (Investment grade) Instruments / Cash) Equities Figures in percentages 5

6 Growth Fund High Risk, High Returns Government Sceurities Corporate Bond(Investment Grade) Money Market Instruments Equities Govt. Securities Corporate Bonds Money Market Equities (Investment grade) Instruments / Cash Figures in percentages The policyholder may choose to invest in any one of the above funds or in combination of the funds. 6

7 Charges Under The Plan Fund Management Charge Conservative Fund Balanced Fund Growth Fund 0.75% p.a. 0.85% p.a. 0.95% p.a. This is a charge levied as a percentage of the value of assets and shall be appropriated by adjusting the net asset value. The rate to be levied will be equal to the annual rate, as given above, divided by 365 and multiplied by the number of days that have elapsed since the previous unit valuation date. Policy Administration Charge Rs. 11 per month per member, which will increase every year by a maximum of 5% per annum. This charge is levied at the beginning of each policy month from the Main Account of each member. Surrender Charge Policy Surrendered within 1 st Policy Year 5 2 nd Policy Year 4 3 rd Policy Year 3 4 th Policy Year 2 5 th Policy Year 1 6 th Policy Year Onwards Nil Charge (% of Fund Value) If a member leaves the scheme during the first three policy years other than due to superannuation or death or disablement, a surrender charge of 2% of the total account value pertaining to the member will be levied. This charge will not be levied after third policy year. Switching Charge First two switches by a member in each policy year are free. Subsequent switches, if any, will attract a charge of 0.1% of the amount switched, subject to maximum of Rs. 1000/-. If the amount of the switch is more than Rs. 5 crores in any calendar month, the policyholder shall give a 15 days notice to the Company. The Company reserves the right to determine the time or period of period of during which the switch will be implemented. 7

8 Redirection Charge All redirections in a policy year are free of charge. Policyholder may redirect future contributions between available funds at any time by giving to the Company 7 day s prior written notice. If policyholder chooses to redirect contributions to more than one fund, the percentage of future contribution that can be redirected into each fund must meet the Company s minimum percentage criteria in force at that time (which is zero currently and subject to change after approval of the IRDA). Company will apply the redirection to future contributions received from the date following Company s acceptance of the redirection request. Annuity Option available from MNYL At MNYL, options available under immediate annuity are as follows: Life Annuity i.e. the annuity is paid to the employee during its entire lifetime. Life Annuity + Return Of Purchase Price On Death Life Annuity but guaranteed for 5 or 10 or 15 or 20 Years In future, MNYL may alter or add other annuity options. Tax Benefits Initial Contributions as well as ordinary Annual contribution is allowed as a business expense for the employer (Sec 36 (1) (iv)) In case ordinary annual contribution does not exceed Rs.100, per employee per annum, no Fringe Benefit Tax is payable by the employer on the amount of contribution. Income received by trustees on behalf of an Superannuation Fund is exempt from tax. (Sec 10 (25) (iii)) Ordinary Annual Contribution is not treated as income in the hands of the employees (Sec 17 (2) (v)) Any contribution by employee to a superannuation fund will be entitled for deduction under section 80C. Any payment made from an approved superannuation fund on death of the employee or to the employee in lieu of or in commutation of an annuity on or after retirement or on his becoming incapacitated prior to such retirement or by way of refund of contribution on the death of the employee is exempt from tax.( Section 10(13)) Annuity payments are chargeable to tax.(section 17(1)(ii)) If an employee commutes the annuity before retirement or being incapacitated then the commuted value will be taxable in his hands at an average rate of tax for the preceding three years at which employee was liable to pay tax on his income. Revival Provisions A grace period of 90 days will be given to the policyholder to pay the contributions beyond the contribution due dates. On non-payment of contributions in the grace period an opportunity will be given to the policyholder to revive the contract within a period of five years from the date of first unpaid contribution by paying all due Contributions to the Company. In addition, all due charges pertaining to the period from the due date of payment of contribution to the date of revival will be deducted from the members accounts by cancellation of units. However, at the end of the five-year period allowed for revival if the contract is not revived, the contract shall be terminated (by giving prior notice of 3 months) and paying the account value after recovering all applicable charges. 8

9 Unit Price Calculation Unit price of a fund will be determined by dividing the Account value by the outstanding number of units on the valuation date. The account value/value of a fund will be determined and based on the market value/ fair value of assets held by the fund plus the expenses incurred in the purchase of the assets less the expenses incurred in the sale of the assets plus the value of current assets plus any accrued income net of fund management charges less the value of any current liabilities, provisions, if any. The value of all funds may increase, reduce or remain unchanged accordingly. Section 41 of the Insurance Act 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 accordance with the published prospectuses or tables of the insurer. General Conditions This policy is issued on the basis of policyholder s acknowledgement and agreement that: Unit Linked Group Superannuation 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. The names of the funds as shown in the policy do not in any manner indicate the quality of the funds, their future prospects or returns. Company does not guarantee the value of units. Depending on market risk and the performance of the funds to which the units are referenced, the value of units may fall, rise or remain unchanged. There can be no assurance that the objectives of any of the funds will be achieved and none is given by the Company. The past performance of any of the funds of the company is not indicative of the future performance of any of these funds. The funds do not offer a guaranteed or assured return. All benefits payable under the policy are subject to applicable laws. By definition this is a non-participating policy. The employer is solely responsible and liable for making provision and for payment of benefit to its employees. The company undertakes only to manage the funds for the policyholder and assumes no liability in respect of the benefit. Liability of the insurer at any point of time is limited to the fund value less surrender penalty, if any. Evidence of age of the beneficiary satisfactory to the Company must be furnished to the Company before paying any benefits under the policy. Proof of existence and identity of the beneficiary shall be furnished to the company before the payment of benefit is made. The policy or any benefits payable under the policy are strictly personal and cannot be assigned, charged or alienated in any way by the policyholder or the beneficiary. Company will only act on advise/ instructions received from the policyholder and shall not entertain any request from a member. 9

10 List of Insurance Ombudsmen Office of the Ombudsman Contact Details Areas of Jurisdiction AHMEDABAD 2nd Flr., Shree Jayshree Ambica Chambers, (O) Near C.U.Shah College, Fax: , Nayvug Colony, Ashram Road, AHMEDABAD BHOPAL 1 st Floor, 117, Zone-II, (Above D.M. Motors Pvt. Ltd.) Maharana Pratap Nagar, BHOPAL BHUBANESWAR (O) , , Fax: E- 62, Forest Park, (O) BHUBANESWAR Fax: CHANDIGARH S.C.O. No. 101,102&103, (O) nd Floor, Batra Building EPBX: Sector 17-D, Fax: CHANDIGARH CHENNAI (O) , , Fatima Akhtar Court, 4th Flr., 453(old 312 ) Fax: Anna Salai, Teynampet, CHENNAI DELHI ad: Gujarat, UT of Dadra & Nagar Haveli, Daman and Diu Madhya Pradesh & Chhattisgarh Orissa Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, UT of Chandigarh Tamil Nadu, UT Pondicherry Town and Karaikal (which are part of UT of Pondicherry) 2/2 A, 1 st Floor, Universal Insurance (O) Delhi & Rajashthan Bldg. Asaf Ali Road, Fax: NEW DELHI com GUWAHATI Aquarius, Bhaskar Nagar, (O) R. G. Baruah Rd. EPBX: GUWAHATI Fax: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura 10

11 HYDERABAD Door No , 'Moin Court', (O) , Flat No. 101, 1st Floor, Lane Opp.Saleem Function Fax:040/ A. C. Guards, Lakdi-Ka-pool, HYDERABAD KOCHI 2 nd Flr., CC 27/2603 (O) , Pulinat Building Fax: Opp. Cochin Shipyard, M.G. Road, ERNAKULAM KOLKATA linfinet.com North British Bldg. (O) / , N. S. Road, 3rd Flr., Fax: KOLKATA LUCKNOW Andhra Pradesh, Karnataka and UT of Yanam a part of the UT of Pondicherry Kerala, UT of (a) Lakshadweep, (b) Mahe a part of UT of Pondicherry West Bengal, Bihar, Jharkhand and UT of Andeman & Nicobar Islands, Sikkim Chintel's House, 1st Flr., (O) , , Uttar Pradesh and 16, Station Road, Fax: Uttaranchal LUCKNOW MUMBAI 3rd Flr., Jeevan Seva (O) Maharashtra, Goa Annexe (Above MTNL) EPBX: S. V. Rd., Santa Cruz (W) Fax: , MUMBAI / 11

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