Bajaj Allianz Smart Insurance Plan III

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1 Bajaj Allianz Smart Insurance Plan III Make a smart move IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER Bajaj Allianz Smart Insurance Plan III At Bajaj Allianz we believe in insurance with systematic savings which turns into financial security for you and your family in future. With this in mind, we present Bajaj Allianz Smart Insurance Plan III, an insurance plan that gives you a unique combination of protection and savings.

2 Key Benefits of Bajaj Allianz Smart Insurance Plan III The plan offers you the key benefits of: How does Smart Insurance Plan III works What are my Investment Options? a) Accelerator Mid-Cap Fund II - Risk Profile Very High (SFIN: ULIF05206/01/10ACCMIDCA02116) b) Equity Growth Fund II - Risk Profile Very High (SFIN: ULIF05106/01/10EQTYGROW02116)

3 c) Pure Stock Fund Risk Profile Very High (SFIN:ULIF02721/07/06PURESTKFUN116) d) Asset Allocation Fund - Risk Profile High (SFIN: ULIF04528/09/07ASSETALLOC116) e) Liquid Fund- Risk Profile Low (SFIN: ULIF02510/07/06LIQUIDFUND116 ) f) Bond Fund- Risk Profile Moderate (SFIN: ULIF02610/07/06BONDFUNDLI116 )

4 g) Bluechip Equity Fund - Risk Profile High (SFIN: ULIF06026/10/10BLUECHIPEQ116) Premium Apportionment: Death Benefit Loyalty Addition

5 Maturity Benefit Surrender Benefit Additional Rider Benefits Definitions Fund value: Regular premium fund value: Top up premium fund value:

6 Unit Price: Valuation Date: Discontinued Policy Fund: Discontinuance Value: Computation of NAV Sample Illustration* Age Maturity Age Policy Term Premium Payment Term Premium p.a. Sum Assured Fund Value at 6% Fund Value at 10%

7 Flexibilities Switching Option ` Option to make lump sum investment ` Current Age Less than 45 years Greater than or equal to 45 years Top-Up Sum Assured Multiplier 1.25 to 5 times 1.1 to 5 times (The default choice is 1.25 times for current ages less than 45 years & 1.1 times for other ages) Option to decrease the sum assured Option to change premium payment frequency Option to change the premium payment term

8 Partial Withdrawal Option ` Settlement Option

9 Important Details of the Plan Parameter Minimum Entry Age Maximum Entry Age Minimum Age at Maturity Maximum Age at Maturity Policy Term Minimum Premium Payment Term Maximum Premium Payment Term Minimum Regular Premium Details Maximum Regular premium Minimum Top Up Premium `5,000 Maximum Top Up Premium No Limit 1 years (18 years in case of Additional Rider Benefits) 60 years (50 years in case of Additional Rider Benefits) 18 years 75 years (Additional Rider Benefits ceasing Age 65 years) 10, 15 and 20 years 6 years Policy Term ` 50,000 per yearly, half- yearly & quarterly installments `17,000 per monthly installment (Monthly mode is available through ECS and Salary Saving Scheme only). No charges are applicable with respect to the mode chosen. No Limit Minimum Sum Assured 10 times Annualized Premium for entry age below 45 years. 7 times Annualized Premium for entry age 45 years & above Maximum Sum Assured Policy Term times Annualized Premium. If any rider has been opted then maximum sum assured shall be same as the minimum sum assured. What happens if I am unable to pay my regular premiums?

10 During the policy year Discontinuance charge 1 6% of lower of (AP,RPFV) subject to Max ` 6, % of lower of (AP,RPFV) subject to Max ` 5, % of lower of (AP,RPFV) subject to Max ` 4, % of lower of (AP,RPFV) subject to Max ` 2, Nil Foreclosure Revival of the Policy Days of Grace

11 Termination Conditions Fund Access Policy Loan Tax Benefits Free Look Period

12 What are the Charges under the Plan? Table Charges Charges Premium Allocation Charge Policy Administration Charge Fund Management Charge (FMC) Details Regular Premium Due in Policy Year 1 9% 2 to 5 6% 6 to 15 2% 16 & above 0% Top Up Premium : 2% of the Top Up Premium Premium Allocation Charge Rs. 40 per month inflating at 5% p.a.this charge will be deducted at each monthly anniversary by cancellation of units Fund Fund Management Charge per annum (as percentage of fund value) Equity Growth Fund II 1.35% Accelerator Mid Cap Fund II 1.35% Pure Stock Fund 1.35% Asset Allocation Fund 1.25% Bluechip Equity Fund 1.25% Liquid Fund 0.95% Bond Fund 0.95% This charge would be adjusted in unit price Switching Charge Nil Miscellaneous Charge Rs. 100/- per transaction in respect of decrease in sum assured, change in premium payment term, alteration of premium payment frequency, change of premium apportionment, decrease in sum assured or issuance of a copy of policy document Mortality & Additional Risk Charge Rider Charge Service Tax Mortality Charge will be deducted at each monthly anniversary by cancellation of units. Sample mortality charges per annum per thousand of sum at risk for a healthy male life is shown below: Age (yrs) Rs Sum at risk is equal to Regular Premium Sum assured minus Regular Premium Fund Value Plus Top Up Premium Sum assured minus Top Up Premium Fund Value An additional risk charge of Re per thousand of (regular premium) sum assured will be charged towards the inbuilt accidental death cover from age 7 years. Please refer to Additional Rider Benefit brochures for rider charge details. As applicable

13 Revision of Charges Exclusion General Exclusion Exclusions for the payment of additional sum assured on death due to accident: Risks of Investment in the Units of the Plan

14 Prohibition of Rebate: Section 41 of the Insurance Act, 1938 states

15 Contact Details Call Any Mobile & Landline Chat: bajajallianzlife.co.in/chat For More Information: SECTION 45 of the Insurance Act 1938 Why Bajaj Allianz Life Insurance? Please draw your cheques/ demand drafts in favour of Bajaj Allianz Life Insurance Company Limited. BJAZ-PB-0361/7-Nov-13

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