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

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1 Life Invest TM Plan UIN 104L031V01 IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Life Invest is a pwerful insurance plan that empwers yu t manage yur investments thrugh yur insurance plicy. In this unit linked plan, yu can direct yur investments in ur custmized unit linked funds, which ffer investments f different types: Fixed Incme (e.g. Gvt. Securities, Cmpany Debentures) and Equities (i.e. shares). These funds ffer yu different cmbinatins f fixed incme and equity assets ranging frm ptentially high-riskhigh-return t ptentially lw-risk-lw-return t match yur risk taking ability. KEY BENEFITS Attractive insurance ptins At the inceptin f yur plicy, yu can chse frm tw insurance cver ptins: Level Death Benefit (Fixed Amunt): Suitable fr the investment-riented persn. If yu chse this ptin, then n the unfrtunate death f the life insured anytime during the tenr f the plan, we will pay t the nminees the higher f the Sum Assured r the Value f Units in the plicy. 250, , , ,000 50,000 - FIXED INSURANCE COVER ( Higher f Sum Assured r Unit Value) Plicy Year Sum Assur ed Unit Value Increasing Death Benefit (Increasing Amunt): Suitable fr the insurance riented persn. If yu chse this ptin, then n the unfrtunate death f the life insured anytime during the tenr f the plan, we will pay t the nminees the Sum Assured plus the Value f Units in the plicy. 250, , , ,000 50,000 - INCREASING INSURANCE COVER ( Sum Assured plus Unit Value) Sum Assur ed Plicy Year Unit Value

2 Unmatched Flexibility Sum Assured: The sum assured (SA) will be determined by multiplying the Annual Target Premium (ATP) t the Sum Assured Multiple. We prvide yu the flexibility t chse any Sum Assured Multiple frm the range f minimum and maximum limits given belw: Fr regular pay and limited pay plicies: Minimum SA Multiple - Half f the plicy term, subject t minimum f 5 years Maximum SA Multiple - Equal t the plicy term, subject t maximum age 75 Sme examples f SA Multiple limits are given belw: Plicy Term (years) Minimum SA Multiple Maximum SA Multiple Fr single pay plicies: Minimum SA Multiple 1.25 times the single premium Maximum SA Multiple 5 times the single premium We understand that as yu apprach twards yur retirement, yur need fr the insurance prtectin may reduce. This plan ffers yu a unique ptin after age 60 t CHANGE YOUR DEATH BENEFIT OPTION frm INCREASING TO LEVEL t reduce the insurance element and t increase the investment cmpnent f the plan. Yu have the ptin t INCREASE YOUR SUM ASSURED n any plicy anniversary (subject t underwriting) during the term f yur plicy. This will help yu meet yur need f an increased insurance cver due t an increase in yur respnsibilities e.g. n birth f yur child, r n yur taking a husing lan. Yu have t meet the fllwing cnditins at the time f increasing the sum assured: The sum assured multiple wuld nt increase beynd the maximum level allwed under this prduct. Increase in sum assured will nt increase the Annual Target Premium All applicable charges fr the increased prtin f the sum assured shall be recvered Flexibility t ADD RIDERS t yur plicy at inceptin r n any plicy anniversary (subject t underwriting requirements): a. Persnal Accident Benefit (PAB) Rider this rider prvides a lump-sum amunt if the life insured dies by accident r life insured is invlved in an accident, which results in Ttal and Permanent Disability. Please refer t PAB rider brchure fr details. b. Dread Disease (DD) Rider this rider prvides a lump-sum amunt n the life insured being diagnsed with any f the ten dread diseases cvered r the life insured underging the surgery cvered. Please refer t DD rider brchure fr details. Please nte that the rider sum assured cannt exceed the sum assured f the base plan.

3 FREQUENTLY ASKED QUESTIONS? What is payable n death f the life insured? If yu have pted fr the Increasing Death Benefit ptin, we will pay the sum assured plus the fund value f yur plicy n the death f the life insured. If yu have pted fr the Level Death Benefit ptin, we will pay the higher f the sum assured r the fund value f yur plicy n the death f the life insured. Under bth the ptins if the life insured dies befre attaining age 10 years, we will nly pay the fund value f yur plicy. What are the Persistency Units? If yu cntinue yur plicy and make premium payments as per the plicy schedule, we will allcate Persistency Units (units in additin t thse which are created frm yur premium payments) t yur unit accunt n the 9 th plicy anniversary and n every 3 rd anniversary thereafter prvided yur plicy is in-frce at that anniversary. The Persistency Units will be equal t 1% f weighted average f yur fund values n the immediately preceding 36 mnthiversaries. What are the benefits payable n maturity f my plicy? At the end f the plicy term, we will pay the value f the units in yur plicy and terminate the cntract. This plan als ffers yu the Settlement Optin n maturity where yur plicy will cntinue fr a perid nt exceeding five years but the insurance cver will terminate n maturity. Yu can select the Settlement Optin at least three mnths befre the maturity date. Under the Settlement Optin, yu d nt take maturity prceeds but the plicy cntinues after maturity and the peridical payments, as agreed with us, are given t yu by cancellatin f units frm yur plicy accunt. All charges [except mrtality / mrbidity charge] will cntinue t apply. Please nte that the value f yur plicy after maturity will depend upn the utstanding number f units and the applicable unit price f units. The unit price may increase r decrease and yur fund may fluctuate as a result after the maturity date. All inherent risks shall be brne by yu. What are my Investment Optins? Yu have the flexibility t direct yur investments in any ne r mre f the fllwing fur unit linked investment funds f the Cmpany: SECURE, CONSERVATIVE, BALANCED and GROWTH. These funds invest in Fixed Incme and Equity assets as fllws: FUND INVESTMENT TYPE SECURE FUND CONSERVATIVE FUND BALANCED FUND GROWTH FUND Gvernment Securities % 50-80% 20-50% 0-30% Crprate Bnds 0-50% 0-50% 20-40% 0-30% Mney Market Instruments / Cash 0-20% 0-20% 0-20% 0-20% Equities NIL 0 15% 10-40% 20-70% The investment bjectives f these funds are given belw: Secure Fund: The investment bjective f this fund is t prvide stable return by investing relatively lw risk assets. The fund will invest exclusively in fixed interest securities such as Gvernment Securities, Crprate bnds etc.

4 Cnservative Fund: The investment bjective f this fund is t prvide stable return by investing in assets f relatively lw t mderate level f risk. The fund will invest primarily in fixed interest securities such as Gvernment Securities, Crprate bnds etc. Balanced Fund: The investment bjective f the Balanced Fund is t prvide balanced returns frm investing in bth fixed incme securities (t target stability f returns) as well as in equities (t target grwth in capital value f assets). Grwth Fund: The investment bjective f the Grwth Fund is t prvide ptentially higher returns t unit hlders by investing primarily in Equities (t target grwth in capital value f assets); hwever, the fund will als invest in Gvernment securities, crprate bnds and mney market instruments. What are my tax benefits? This plan may entitle yu certain tax benefits n yur premiums as well as n yur maturity value. U/s 80C f the Incme Tax Act 1961 n yur annual premium n yur plicy. U/s 10(10D) f the Incme Tax Act 1961 n yur maturity prceeds f the plicy. What are my premium payment ptins? Annual Target Premium: Yu have the ptin t chse the premium that yu wish t pay us every year during the premium pay term (called the Annual Target Premium r ATP). Yu have als gt the ptin t chse any ne f the 6 available premium pay term ptins viz. Single Pay, Limited Payment (fr 3 years, r 5 years, r 7 years r 10 years) r Regular Pay (until end f the plicy term) suitable t yur requirement. Premium Payment Frequency: Yu have the ptin t chse any ne f the premium payment frequencies - Annual, Semi-annual, Quarterly r Mnthly. Yur premium payment dates will depend upn this frequency chsen by yu. Payment f Tp Up Premium: A Tp up premium is an additinal amunt f premium ver and abve the Annual Target Premium. Yu have the ptin t pay Tp up premiums subject t a minimum f Rs.10,000. Please nte that any premium payment in any plicy year will first be used t pay the ATP and the excess mney will be treated as tp-up premium. Tp up premiums will nt have any insurance cver, and the cumulative Tp Up premiums shuld nt exceed 25% f the cumulative ATPs paid till date. All premiums are subject t applicable taxes including service tax, which shall be t the accunt f the Plicyhlder. Allcatin f Premium: The premiums paid by yu will be allcated t the funds chsen by yu, after adjusting fr the premium allcatin charge, and units will be issued t yur plicy accunt. Yu can determine the value f yur plicy any time by multiplying the number f units in yur plicy by its unit price. What are the ther flexibilities available t me?

5 Switching: We prvide yu this facility t change the investment pattern by mving frm ne fund t ther fund(s) amngst the funds ffered under this cntract. Yu may need this facility under certain circumstances e.g. n change f yur persnal risk prfile r change in market cnditins. Every plicy year, we ffer yu 6 free switches. On receipt f the switch request frm yu, we will cancel units in the fund yu wish t exit and purchase units in the fund yu wish t enter at the applicable unit prices f the respective funds. Premium Re-directin: This is the facility that allws yu t mdify the allcatin f renewal premiums int a different investment pattern frm the ptin exercised at the inceptin f the cntract prvided the amunt paid int each fund meets ur minimum receipt requirements in frce at that time. Every plicy year, we ffer yu first 3 redirectins free. Partial Withdrawal: If yu wish t withdraw a part f yur fund, yu can make partial withdrawals up t 50% f the surrender value f the plicy in case f increasing death benefit and 20% f surrender value in case the death benefit ptin is Level in any plicy year by cancellatin f units frm yur unit accunt. Please nte that this facility is nt available during first three plicy years, and each Tp Up will have a lck in f 3 years fr partial withdrawals (except in the last 3 plicy years). If yu have chsen the level death benefit in yur plicy, the sum assured will be reduced by the amunt f all partial withdrawals made during the perid f tw years preceding the date f death f the life insured. Hwever if the life insured has attained age 60, the death benefit will be reduced by all partial withdrawals made after age 58. The minimum value f partial withdrawal shuld be Rs 10,000/- and the minimum fund value after any partial withdrawal shuld nt be less than ne ATP. Surrender: After the third plicy anniversary, yu may fully surrender yur plicy at any time by giving us prir written ntice, and we will pay the surrender value t yu, after deductin f the surrender charge, if any. The surrender charges are given belw: Premium Pay Term Plicy Year 4 Plicy Year 5 Plicy Year 6 nwards 5 Pay; 7 Pay; 10 Pay r Regular Pay 40% f ATP 20% f ATP NIL Single Pay r 3 Pay NIL NIL NIL Please nte that yur plicy will nt acquire a surrender value unless yu have paid premiums (ATP r Tp Up) equivalent t 1 ATP in case f premium payment term f 3 pay and at least 2 years ATP in case f any ther premium payment term. What will happen if ne discntinues paying premiums? Discntinuatin f premiums after paying at least three cnsecutive years premium: If all due ATP s have been paid fr at least three cnsecutive years and subsequent ATP s are unpaid, an pprtunity will be given t yu t revive the Plicy within the revival perid f 3 years. During the revival perid, the insurance cver under the Plicy will cntinue and all applicable charges wuld be levied.

6 At the end f the revival perid, if the Plicy is nt revived, the Plicy will terminate and the guaranteed surrender Value will be paid. Hwever, we may instead f terminating the Plicy, ffer t cntinue the Plicy with the insurance cver, if s pted by yu, levying apprpriate charges until the fund value des nt fall belw an amunt equal t ne ATP. Discntinuance f premiums within three years f inceptin f the plicy: If all the ATP s have nt been paid fr at least 3 cnsecutive years frm the effective date f cverage, the insurance cver under the Plicy and applicable Riders, if any shall cease immediately n expiry f the grace perid. We will give yu an pprtunity t revive the Plicy within the revival perid f 3 years. In case the Plicy is nt revived during this revival perid, the Plicy will terminate and the guaranteed surrender value, if any, shall be paid at the end f third plicy anniversary r at the end f the revival perid whichever is later. During the grace perid fr payment f any unpaid ATP, We will accept the lapsed ntice amunt withut interest. The insurance cverage cntinues during this grace perid, but in case f death f Life Insured during the grace perid, we will pay the Death Benefit as applicable. What are my eligibility cnditins? Entry Age (age as at last birthday) Plicy term (in whle years) Maximum Maturity Age Any age between 91 days t 70 years (50 years with DD rider & 55 years with PAB rider) 5 years t 75 years (Fr regular pay plicies minimum tenure must be mre than 10 years) 75 years n last birthday Minimum Sum Assured Single Pay: Rs 62,500 Other payment ptins: Rs 250,000 Minimum Annual Target Premium Rs 50,000 per annum (fr regular and limited pay) Minimum Single premium Rs 50,000 What are the charges under my plicy? Premium Allcatin Charge: This charge is the charge expressed as a percentage f the ATP and Tp Up premium received. This charge will be deducted frm the ATP and the Tp Up premium in the percentage as given belw and the balance will be allcated fr purchase f Units. The rate f this charge depends n the amunt f premium, the premium pay term, the plicy year t which the premium pertains and the type f premium ATP r Tp up.

7 Premium Amunt (Rs.) As a %age f Annual Target Premium (ATP) f First Plicy year Limited Regular Pay Pay As a %age f ATP f 2nd Plicy year nwards As a %age f Single Premium As a %age f Tp up Premium 50,000 t 99,999 12% 14% 2% 4% 2% 100,000 t 499,999 11% 13% 2% 4% 2% 500,000 t 999,999 10% 12% 2% 2% 2% 1,000,000 and abve 9% 11% 2% 2% 2% Fund Management Charge: This is a charge levied as a percentage f the value f assets and shall be apprpriated, usually daily, by adjusting the Net Asset Value f the fund. The annual rate f fund management charge fr the Secure Fund and the Cnservative Fund is 0.90% p.a., Balanced Fund 1.10% p.a. and Grwth Fund 1.25% p.a. This charge may increase in future after clearance frm IRDA but shall nt be higher than 2% p.a. Plicy Administratin Charge - This charge is expressed as a fixed amunt, a percentage f the premium and the percentage f the sum assured. This charge is levied at the beginning f each plicy mnth frm the plicy fund by canceling units fr equivalent amunt. The rate f the plicy administratin charge is as under: Fixed Amunt: Rs.50 per mnth, which will increase every year by 5% per annum cmpunded annually. plus Percentage f Premium: Fr 3 pay- 3% f ATP during the secnd and third plicy year and fr 5, 7 and 10 pay- 3% f ATP during the secnd t fifth plicy year. This charge will nt be applicable fr single pay plicies. plus Percentage f Sum assured: a ne-time charge f 0.20% f sum assured charged at the plicy inceptin. Mrtality Charge: This is the cst f life insurance cver. This charge [which is exclusive f expense lading] will be levied at the beginning f the plicy mnth by cancellatin f units frm yur plicy accunt. If yu have pted fr the Increasing Death Benefit ptin, this charge will be levied n the sum assured therwise this charge will be levied n the sum assured minus the fund value n the relevant plicy mnthiversary. Rider Premium Charge: If yu have pted fr the Dread Disease r Persnal Accident Benefit rider, the rider charges i.e. mrtality r mrbidity charges as the case may be, will als be deducted by cancellatin f units frm yur plicy accunt at each mnthiversary. Switching Charges: This is a charge levied n switching f mnies frm ne fund t anther available fund(s). This is a fixed charge levied at the time f effecting a switch. We will nt charge n first 6 switches in every plicy year. Any subsequent switch will attract a charge f Rs.500 per transactin. We may review this charge in future after clearance frm IRDA but shall nt exceed Rs.1000 per transactin. Partial Withdrawal Charge: This is a charge levied n the unit fund at the time f partial withdrawals f the fund during the cntract perid. First 6 partial withdrawals are free f any charge in each plicy year. Any subsequent transactin will attract a charge f Rs.1000 per partial withdrawal. We may increase this charge in future after clearance frm IRDA but shall nt exceed Rs.2000 per partial withdrawal.

8 Premium Redirectin Charge: This is a charge levied n a redirectin f premiums made by yu. There is n charge fr first three premium redirectins during a plicy year. Any subsequent premium redirectin during a year will be charged at the rate f Rs.1000 per request. This charge is subject t increase after clearance frm IRDA but shall nt exceed Rs Surrender Charge: This is a charge levied n the unit fund at the time f surrender f the cntract. The rate f surrender charge is as under: Fr single pay & 3 pay plicies, the surrender charge is nil. Fr ther plicies, the surrender charge is 40% and 20% f ATP respectively during 4 th and 5 th plicy years. There is n surrender charge after 5 th plicy year. There is n surrender charge n Tp up premiums. Each tp up premium has a lck in perid f 3 years. Hw is the Unit Price f a fund calculated? Unit price f a fund will be determined by dividing the net asset value f the fund by the utstanding number f units n the fund valuatin date. The value f a Fund will be determined and based n the market value/ fair value at which assets referenced t such Fund can be respectively purchased r sld, plus the respective cst f purchasing r minus the cst f selling the assets, plus the value f current assets, plus any accrued incme net f fund management charges, less the value f current liabilities, less prvisins, if any. The value f Funds may increase, decrease r remain unchanged accrdingly. Sample Example Fr entry ages 30 and 40 years respectively, if yu pay an annual target premium f Rs.100,000/- pt fr the minimum applicable sum assured and invest yur premiums entirely in ur Grwth Fund, the table belw shws the illustrative maturity value n an assumed rate f return n investment f 6% and 10% respectively: Entry Age Plicy Term (Years) Assumed Rate f Investment Return p.a. 30 6% 30 10% 25 6% 25 10% Death Benefit Optin Level Increasing Level Increasing Level Increasing Level Increasing Maturity Value (in Rs.) 65,23,291 61,49,450 1,36,64,207 1,30,89,334 4,68,6185 4,24,1485 8,50,7739 7,86,7813 Please nte that the abve-assumed rates f return f 6% and 10% respectively are nly scenaris f what yur plicy will lk like at these rates after recvering all applicable charges. These are nt guaranteed and they are nt the upper r lwer limits f what yu might earn, as the value f yur plicy is dependent n a number f factrs including future investment perfrmance.

9 Exclusins If the life insured dies by suicide, whether sane r insane, within ne year frm the date f acceptance f risk r the date f any revival f this plicy effected in the first 3 years, all risks under the plicy shall cme t an end simultaneusly. In such an event, we will nly refund the fund value, if any, f the plicy. Please refer t rider brchure fr exclusin n rider benefits. Free Lk perid Yu have the freedm t cancel the Plicy by returning the riginal Plicy with a written request t us within 15 (fifteen) days frm the date f receipt f the Plicy, in which case yur Premium less allwable expenses and adjusted fr adverse mvements f unit price, if any, will be refunded withut interest A wrd n the risks f investment in the units f this plicy i) Life Invest is a unit linked life insurance plan. Unit linked life insurance prducts are different frm the traditinal insurance prducts and are subject t investment risk. Life Invest is nly the name f the plicy and des nt in any way indicate the quality f the plicy, its future prspects r returns. ii) The names f the Funds as shwn in the plicy Schedule d nt in any manner indicate the quality f the Funds, their future prspects f returns. iii) We d nt guarantee the Fund Value r Unit price. Depending n market risk and the perfrmance f the Funds t which the units are referenced, the Fund Value may fall, rise r remain unchanged and the plicyhlder is respnsible fr his/her decisins. There can be n assurance that the bjectives f any f the Funds will be achieved and nne is given by Us. iv) The past perfrmance f any Fund f the Cmpany is nt necessarily indicative f the future perfrmance f any f the Funds. The Funds d nt ffer a guarantee f assured return. v) All premiums/benefits payable under the plicy are subject t applicable laws and taxes including service tax, as they exist frm time t time. A prfessinal pedigree that s secnd t nne: Insurance slutins frm Max New Yrk Life bring prven expertise t the Indian life insurance arena. As yur partner fr life, we bring yu innvative life insurance slutins based n New Yrk Life's glbal experience f ver 160 years and Max India's deep understanding f the Indian market. Expert Advice at Yur Drstep: Our Agent Advisrs have been prfessinally trained t understand and evaluate yur unique financial requirements, and recmmend a plicy which best meets yur needs. With experienced agents, supprted by a team f specialists, we are fully resurced t help yu achieve yur life s financial bjectives. Please call us tday. We wuld be delighted t meet yu. < Natinal Cntact Details incl. Full Name f the Cmpany and its registered address)> Insurance is the subject matter f the slicitatin Sectin 41 : n persn shall allw r ffer t allw, either directly r indirectly, as an inducement t any persn t take r renew r cntinue an insurance in respect f any kind f risk relating t lives, r prperty, in India, any rebate f whle r part f the cmmissin payable r any rebate f the premium shwn n the plicy, nr shall any persn taking ut r renewing r cntinuing a plicy accept any rebate, except such rebate as may be allwed in accrdance with the published prspectuses r tables f insurer.

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