Aapki Zaroorat - Wealth Accumulation Edelweiss Tokio Life Cash Income Guaranteed Whole Life Insurance Plan

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1 Aapki Zaroorat - Weal Accumulation Edelweiss Tokio Life Cash Income Guaranteed Whole Life Insurance Plan Toll Free : Visit us at

2 Edelweiss Tokio Life - Cash Income Guaranteed Whole Life Insurance Plan 7 REASONS Simplified product ructure wi guaranteed benefits Pay premium for 20 years and get protection benefits till 100 years of age Life cover increases in e fir 40 policy years Assured monly money-back from 21 policy year till 40 policy year A guaranteed lump-sum benefit at e end of 40 policy year Loan facility is available to meet unforeseen needs Enhance your benefits by adding various riders available wi e product

3 Insurance se badhkar hai aapki zaroorat At Edelweiss Tokio Life Insurance, we realize at your family s and your needs are more important an anying else. That s why it is our conant aim to underand your needs fir before offering any advice or even an insurance solution. Your needs, based on your priorities are fir underood, en evaluated again your future goals so at we are able to ensure at we can offer you e be solution suited to your needs. We sincerely recommend at you spend your valuable time wi our financial advisors so at ey can underand your needs and help you prioritize em. Edelweiss Tokio Life s professional financial advisors will en assi you in deciding on e be financial solution, suitable to your needs. Know Your Product: Edelweiss Tokio Life - Cash Income In today s fa paced world, it is becoming increasingly important to plan your life well. The ever-increasing co of living and your enhanced lifeyles make it a necessity to plan now for at large, regular income required in e future. You may require a eady income source a few years from now, in case you plan to retire early or in case you plan to enhance your lifeyle or provide for your child s education expenses. Edelweiss Tokio Life Cash Income is a comprehensive insurance solution, suited to meet your weal accumulation needs to plan for a regular income in e future. The solution works in a simple yet diinctive manner to ensure at you get a regular monly payout from e 21 year onwards. What s more! You get a guaranteed simple increase of 6% per annum on your initial monly payout till 40 policy year. What makes our offering really comprehensive is at at e end of e 40 policy year, you get a lump sum amount which is based on e entry age of e life insured. In case of e unfortunate incident of dea of e policy holder, e policy provides an increasing dea benefit of 6% per annum (if incident is wiin 40 policy years) and a lump sum of 200% of sum assured (if e incident is after e 40 policy year) Simple Steps to choose your plan Step 1 Underand your need Based on your discussion wi our Personal Financial Advisor, decide on your need of regular cashback and protection Choose comprehensive protection Step 3 rough Riders Riders are e additional benefits at you can buy along wi your policy. They let you furer cuomize your insurance cover to suit your changing needs. Step 2 Choose your premium amount Accordingly choose an appropriate amount of premium. You can avail tax benefits under Section 80C and Section 10 (10D) of Income Tax Act, Tax benefits are subject to change in e tax laws. Premium paid for Critical Illness Rider may qualify for a deduction under Section 80D of e Income Tax Act, 1961.

4 PLAN SUMMARY This is a non-participating non-linked whole life plan which offers a combination of savings and protection. * Eligibility Minimum Maximum a) Entry Age of Life Insured (la birday) 91 days 50 years b) Maximum Maturity Age (la birday) 100 years c) Policy Term (100 Age at entry) d) Premium Paying Term (PPT) 20 years # e) Premium Payment Frequency Monly, Semi-annual, Annual * f) Minimum Premium Rs 25,000 No Limit g) Minimum Sum Assured Rs 2,65,000 No Limit, subject to underwriting As per Service Tax law, service tax will be separately levied on e premium # The premium loading factors for various modes are given below: Modal Loading Modal premium as a % of Sample Premium annualized premium (Annualized Premium* = 100,000) Monly 5.6% 8.8% (i.e % /12) 8,800 monly Semi-annual 2.4% 51.2% (i.e % /2) 51,200 semi-annually Annual 0.0% 100% 100,000 annually Annualized Premium is e premium payable in a year chosen by e policyholder, excluding e underwriting extra premiums and loadings for modal premiums, if any Sum Assured is 10.6 times e annualized premium. BENEFIT SUMMARY Survival Benefits Survival Benefit has ree components as given below: Cashback: From e 21 policy year e plan provides a regular payout (cash back) increasing at a simple rate of 6% per annum. The payout will be made on monly basis wherein e payout amount would be equally diributed over e 12 mons of each policy year. Thus e payout in e 21 policy year would be equal to one annualized premium (i.e. 8.33% of annualized premium at nd e end of each mon), in 22 policy year it will be 106% of annualized premium, it will be 112% of annualized rd premium in 23 policy year and so on wi e payout in 40 policy year being 214% of annualized premium. Cashback will op after e 40 policy year. Lump-sum Benefit: On survival of e life assured till e end policy year 40, a lump-sum amount as % of sum assured is payable as given in e table below: Entry age of e life assured Lump-sum at e end of Policy Year 40 Age 91 days 20 years Age years Age years 150% of sum assured 120% of sum assured 100% of sum assured Maturity Benefit: Furer lump-sum equal to 100% Sum Assured is payable on survival of life assured till maturity i.e. 100 years of age la birday. Dea Benefit For life assured wi entry age above 5 years: The dea sum assured, irrespective of survival benefit already paid, at any time during e policy term is eier equal to or higher an of: $ 10 times of annualized premium OR 105% of premiums paid till date of dea OR Minimum guaranteed sum assured on maturity OR

5 Absolute amount assured to be paid on dea, as given in e below table Policy % of Sum Policy % of Sum Policy % of Sum Policy % of Sum Policy % of Sum Policy % of Sum Year Assured Year Assured Year Assured Year Assured Year Assured Year Assured onwards 200 For life assured wi entry age below 5 years For e minor where entry age is below 5 years e risk cover will art one mon prior to e second policy anniversary. In case of dea during e 1 year and 11 mons from e date of commencement of e policy for minor lives where entry age was below 5 years, e company will pay 105% of total premiums paid till date of dea. Once e risk cover arts e dea benefit would be as per e benefit offered for Entry Age above 5 years. For Eg: If e age at entry of life assured is 2 years en e risk cover will art after 1 year and 11 mons from e date of commencement of e policy and absolute amount assured to be paid on dea would art at 106% of sum assured. After one mon i.e. completion of second policy anniversary absolute amount assured to be paid on dea would increase to 112% of sum assured and so on. $ Annualized premium is e premium payable in a year chosen by e policyholder, excluding e underwriting extra premiums and loadings for modal premiums, if any. PREMIUM DISCONTINUANCE AND PAID-UP BENEFITS If all premiums have not been paid for at lea ree consecutive years en paid-up value is nil. PREMIUM If all e premiums DISCONTINUANCE have been paid for at AND lea PAID-UP ree consecutive BENEFITS years en e policy will continue as a Reduced Paid-up policy. The sum assured in paid-up cases will be revised to paid-up sum assured as below: Paid-up sum assured (PSA) = Sum assured *No of premiums paid / No of premiums payable. The benefits will be revised as follows: Paid-up Dea Benefit On a reduced paid-up policy e dea benefit available under e plan is Dea Sum assured *No of premiums paid / No of premiums payable Paid-up Survival Benefit Survival Benefit has ree components as given below: CashBack: Cashback benefit will be reduced in proportion to e paid-up factor where, Paid-up factor = No of premiums paid / No of premiums payable From e 21 policy year e plan provides a regular payout (cash back) increasing at a simple rate of 6% per annum. The payout in e 21 policy year is one annualized premium*paid-up factor, nd 22 policy year is 106% of annualized premium*paid-up factor, rd 23 policy year is 112% of annualized premium*paid-up factor and so on Wi 40 policy year being 214% of annualized premium*paid-up factor. Each payout is paid out on monly basis equally diributed over e 12 mons of e policy year arting from e end of fir mon of e policy year. Lump-sum Benefit: On survival of e life assured till e end of 40 policy year e benefit is 150% of e paid-up sum assured for entry ages 91 days to 20 years, 120% of paid-up sum assured for entry ages 21 to 40 years and 100% of paidup sum assured for entry ages 41 to 50 years. Maturity Benefit: Additional 100% of paid-up Sum Assured is payable on survival till maturity (i.e. till 100 years of age of e life assured). Policy will terminate after e payment of Maturity benefit.

6 SURRENDER BENEFITS The policy acquires surrender value if all e premiums have been paid for at lea ree consecutive years. On surrender anytime ereafter, e surrender value will be immediately paid and policy will be terminated. The surrender value payable is higher of e Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV). (a) Guaranteed Surrender Value (GSV): The Guaranteed Surrender Value available under e plan is a percentage of total premiums paid (excluding rider premium and underwriting extras, if any) less any survival benefits already paid till date of surrender. The percentage of total premiums paid is as given below: Policy Year % of total Policy Year % of total Policy Year % of total Policy Year % of total of Surrender premiums of Surrender premiums of Surrender premiums of Surrender premiums paid paid paid paid onwards 250 (b) Special Surrender Value (SSV): The Special Surrender Value (SSV) is equal to: Sum of e present value of e paid-up benefits payable again is policy on Survival (Cashback and Lump-sum), dea and maturity. POLICY LOAN Policy loan is available once it acquires surrender value. Maximum loan amount available is 90% of surrender value offered by e Company. Intere will be charged on e outanding loan amount at a rate declared by e Company from time to time based on en prevailing market conditions and will be equal to SBI Base rate(minimum rate at which SBI lends) %. Changed intere rate will be applicable for new loans only and not for exiing loans. For reduced paid-up policies, if at any point of time outanding loan amount and accumulated intere balance equal or exceed surrender value, en e policy shall be terminated wiout value. Prior to is, e Company will notify e cuomer when his/her outanding loan balance is 95% of e surrender value and will give an opportunity to repay all or part of e loan balance. On dea of e life assured, maturity or surrender of e policy e outanding loan amount and accumulated intere will be recovered from e benefit payable and re of e benefit amount will be paid. RIDERS Edelweiss Tokio Life Accidental Total and Permanent Disability Rider (UIN: 147B001V02) Edelweiss Tokio Life Accidental Dea Benefit Rider (UIN: 147B002V02) Edelweiss Tokio Life Waiver of Premium Rider (UIN: 147B003V02) Edelweiss Tokio Life Term Rider (UIN: 147B004V02) Edelweiss Tokio Life Critical Illness Rider (UIN: 147B005V02) Edelweiss Tokio Life Payor Waiver Benefit Rider (UIN: 147B014V02) Note: Rider sum assured cannot exceed e base sum assured. Total rider premium (including premium for CI rider) cannot exceed 30% of e base product s premium For more details on any of e riders mentioned above, please consult your Edelweiss Tokio Life Insurance Personal Financial Advisor or refer to e rider brochure (visit our website:

7 FREE LOOK After you receive your policy, please go rough it carefully to check e coverage amount, policy specifications and e obligations by Edelweiss Tokio Life Insurance. If e terms and conditions are not as per your expectations, en you can * return e policy wiin 15 days of receiving your policy, ating e reason for your cancellation. Premium paid will be refunded after deducting proportionate risk premium for e period of cover, amp duty and co of medical expenses. * Free look period of 30 days will be applicable for policies sold rough diance marketing (where diance marketing means sale of insurance products rough any means of communication oer an in person). STATUTORY INFORMATION Suicide Claim provisions: If e life assured, wheer sane or insane, commits suicide, wiin one year from e date of issuance en e policy shall be void and 80% of e premiums received (excluding extra mortality premium) will be payable. If e life assured, wheer sane or insane, commits suicide, wiin one year from e date of revival, en e policy shall be void and higher of 80% of e premiums paid (excluding extra mortality premium) till date or surrender value available as on e date of dea will be payable Grace period for non-forfeiture provisions: A 30 day grace period is available for e plan. The policy will remain in force during e grace period. If any premium remains unpaid at e end of e grace period, e policy shall lapse. The policy benefit ereafter would have no furer value except as provided under surrender value or paid-up value. Nomination requirements and Assignment Nomination: The Life Assured, where he/she is e holder of e policy, may, at any time before e Maturity or Termination date of e policy, make a nomination (under section 39 of e Insurance Act, 1938) for e purpose of payment of e money secured by e policy in e event of his/ her dea. Where e nominee is a minor, he may also appoint an appointee i.e. a person to receive e money during e minority of e nominee. Any change of nomination, which may be effected before e Maturity of policy shall also be communicated to e Company. The company will record e nomination or change in nomination as requeed by e policyholder. The Company does not accept any responsibility of validating e nomination. Assignment: Assignment is allowed on specific reque made by e policyholder. Assignee/s shall be a person/s to whom e policy is assigned by e policyholder in accordance wi e provision of section (38) of e Insurance Act 1938 to transfer all e equities and liabilities to which policy holder was subject to at e date of assignment. The benefits of e policy can be protected from creditors by writing a policy under e Married Women's Property Act (MWP Act), After assignment, assignee may initute any proceedings in relation to e policy wiout obtaining e consent of e assignor or making him e party to such proceedings. Any change of assignment, which may be effected before e maturity or termination date of e policy, should also be communicated to e Company. The Company does not accept any responsibility of validating e assignment or nomination before recording e assignment or regiering e nomination or change in assignment / nomination. Revival: If premiums are not paid wiin e grace period, e policy lapses. The policy may be revived wiin two years from e date of e fir unpaid premium. The revival will be considered on receipt of written application from e policyholder along wi e proof of continued insurability of life assured and on payment of all overdue premiums wi simple intere of 1% for every completed mon from e date of fir unpaid premium. The proof of continued insurability will be taken and medical examination if required (medical examination co to be borne by e policyholder) will be conducted. If e life is acceptable from e underwriting point of view en it will be allowed to revive. Revival would be as per Board approved underwriting guidelines. Any revival of riders will be considered along wi e revival of e basic policy, and not in isolation. All e benefits of e policy will be reinated on e policy revival. The policyholder may choose to discontinue e rider premium even ough he is paying e premium pertaining to e underlying base product to which e rider is attached. In such a case of rider premium discontinuance e rider is not allowed to be revived in future. However in case e entire policy premium (e base product and e rider) has been discontinued and e policyholder wants to revive e same en he would be allowed to revive wiin two years from e date of e fir unpaid premium. Prohibition of Rebate: (SECTION 41 OF INSURANCE ACT 1938) No person shall allow or offer to allow, eier 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 in India, any rebate of e whole or part of e commission payable or any rebate of e premium shown

8 on e policy nor shall any person taking out or renewing or continuing a policy accept any rebate except one such rebate as may be allowed in accordance wi e published prospectus or tables of e Insurer. Any person making default in complying wi e provisions of is section shall be punishable wi a fine which may extend to five hundred rupees. Non Disclosure Clause: (SECTION 45 OF INSURANCE ACT 1938) No policy of life insurance shall after e expiry of two years from e date on which it was effected, be called in queion by an insurer on e ground at atement made in e proposal for insurance or in any report of a medical officer, or referee, or friend of e insured, or in any oer document leading to e issue of e policy, was inaccurate or false, unless e insurer shows at such atement was on a material matter or suppressed facts which it was material to disclose and at it was fraudulently made by e policyholder and at e policyholder knew at e time of making it at e atement was false or at it suppressed facts which it was material to disclose. Provided at noing in is Section shall prevent e insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in queion merely because e terms of e policy are adjued on subsequent proof at e age of e Life insured was incorrectly ated in e proposal. Service Tax: As per Service Tax law, service tax will be levied on e policyholder. Edelweiss Tokio Life Insurance is a new generation Insurance company, set up wi a art up capital of INR 550 Crores, ereby showing our commitment to building a long term suainable business focused on a consumer centric approach. The company is a joint venture between Edelweiss Financial Services, one of India's leading diversified financial services companies wi business raddling across Credit, Capital Markets, Asset Management, Housing finance and Insurance and Tokio Marine Holdings Inc, one of e olde and e bigge Insurance companies in Japan now wi presence across 39 countries around e world. As a part of e company s corporate philosophy of cuomer centricity, our products have been developed based on our underanding of Indian cuomers diverse financial needs and help em rough all eir life ages. Disclaimer: Edelweiss Tokio Life Cash Income is only e name of e non- participating endowment life insurance contract and does not in any way indicate e quality of e contract, its future prospects, or returns. Please know e associated risks and e applicable charges from your Personal Financial Advisor or e Intermediary. Tax benefits are subject to changes in e tax laws. Insurance is e subject matter of e solicitation. Reg. No.: 147 UIN: 147N023V01 Advt No.: Br/92/Dec 2013 ver.1 Regiered and corporate office: Edelweiss Tokio Life Insurance Company Limited Edelweiss House, Off CST Road, Kalina, Mumbai Tel: Toll Free : Visit us at