Act once to secure a lifetime.

E-mail: contactus@dhflpramerica.com Visit www.dhflpramerica.com to know more about us and our products. GA+SP/B-ENG/FEB/14/V3 Act once to secure a lifetime. DHFL Pramerica Life Insurance Company Limited (erstwhile DLF Pramerica Life Insurance Co. Ltd), Registered Office and Communication Address: 4th Floor, Building No. 9B, Cyber City, DLF City Phase III, Gurgaon 122002. Haryana. CIN: U66000DL2007PLC165153 DHFL Pramerica

NOTE: IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Living life, in the present and future. developed over your life will stand by you and help you There are many things we desire immediately when we maintain the quality of life. You only start planning your are doing well. After all, we work hard for our money and retirement as you grow older. That is human nature. Many in the prime of our lives, these things are much deserved. a times in life, you are presented with an opportunity to The TV with a larger screen on your wall. The car that s one secure such a crucial aspect of your life with one smart class higher than the one you re driving. The holiday move. It only needs insight to spot that opportunity. destination abroad your boss went to last year. Life is fast paced, with a constant pressure on you to better A wise and prudent decision. your lifestyle. When you have a large sum of money, it is tempting to indulge yourself and buy things that you so desire. But It happens to everyone. while spending a little money from a windfall and enjoying Yet, like everyone else, at one stage in your life you will a bit is only natural, it is far wiser to take advantage of it not be working. The certainty of that income coming in to plan for the day when you will have no income. For the every month won t be there. It is at that stage that the day when you are retired and a pension becomes a assets, investments and savings you have prudently desirable and useful way to protect the quality of your life. One plan. Many advantages: DHFL Pramerica Golden Age+ Single premium One time lump sum investment Flexibility to choose your retirement age (45 years - 75 years) Persistency Units: We will add 2.5% of the average single premium Fund Value of preceding 36 months to your Unit Account at the end of 10 th policy year Fund Conservation at Maturity: You have the option to safeguard your Fund Value before maturity, we will switch your investments at regular intervals to Pension Debt Fund beginning 3 years from your chosen retirement Receive tax-free commutation up to 1/3 rd of the Fund Value on retirement Avail tax benefits on premiums paid under the Income Tax Act, 1961 as applicable from time to time The above illustration assumes 100% investments in Pension Balance Fund. The benefits above are net of all charges excluding applicable service tax. The actual investment return may vary in the Policy. Since your portfolio offers variable returns, the above illustration shows two different rates (6% p.a. and 10% p.a. as per guidelines of Life Council) as assumed future investment returns. Benefits in Detail Benefit on Vesting (or Maturity) On vesting (or maturity) of the Policy at the chosen retirement age, you have the option: To purchase an annuity from the Fund Value, or To receive a lump sum amount up to 1/3 rd of the total Fund Value tax-free, i.e. value of single premium units and Top-Up Units on the vesting (or maturity) date and apply the rest to an annuity Presenting DHFL Pramerica It s a Unit Linked Pension Plan that offers you a potentially This wise investment, which can cover a tenure from 10 higher return than conventional methods of savings. Along to 57 years just needs one single premium payment to with a host of benefits. All with the advantage of a single start. No hassles of repeated payments, except if you premium that takes all the hassles out of planning. choose, to top up with additional premiums. At the chosen retirement age, the policy proceeds may be used to buy No planning hassles. A single premium to cover an annuity. You may opt to to get a third of the value of a lifetime. your fund commuted to a tax free lump sum. In case of With as little as `45,000 you can become part of the the insured person s unfortunate demise, the Fund Value DHFL Pramerica Golden Age+ Single Premium plan. gets paid to the nominee. How does the plan work? Choose a single premium amount you wish to contribute towards your retirement Select your vesting age (or retirement age) between 45 years and 75 years, subject to a minimum term of 10 years Top-Up (add money over and above your single premiums) any time during the policy term On survival till the retirement age, the Policy proceeds may be applied to buy an annuity under the Immediate Annuity Plan of our Company or from any other insurer of your choice You have an option to receive up to 1/3 rd of the Fund Value Tax-Free, subject to prevailing tax laws, as a lump sum amount Illustration Age at entry: 30 years Policy Term: 30 years Single Premium Amount: `1,00,000 Gross Returns Accumulated Savings 6% p.a. `3,28,249 10% p.a. `1,042,436 Benefit on Death In case of the unfortunate event of death of the Life Insured, before the chosen retirement age, the nominee will receive the Fund Value, including value of Top-Up Units, if any. Benefit on Surrender You can surrender your Policy after completion of 3 policy years. The Surrender Value will be the Fund Value less surrender charges. There is no surrender charge applicable on the Top-Up Unit Account. Persistency Units Persistency Units will be allocated to the Single Premium Unit Account at the end of the 10th policy year. An amount equivalent to 2.5% of Average Fund Value pertaining to Single Premium Unit Account at preceding 36 months would be allocated to your Unit Account at the end of 10th policy anniversary. There are no Persistency Units on Top-Up premium.

Choice of Investment Funds You have an option to choose from four funds to invest your money in. You can review the investment objectives of each of our funds and match those with your investment goals and then decide the proportion of money you would Fund Name This is an option for you with the aim to protect your Fund Value near vesting date by exposing it to less volatility. Under this option, all your investments are systematically Exposure in funds other than Pension Debt Fund at 3 years before vesting date 80% 70% 60% 50% 40% Debt Securities (Govt. Securities, Corporate Bonds etc.) Asset Allocation Equity Money Market Instruments/ Cash Pension 60% - 100% Nil 0% - 40% Debt Fund (SFIN: ULIF00127/08/08 FIXEDI FUND140) Pension 20% - 90% 10% - 40% 0% - 40% Balance Fund (SFIN: ULIF00227/08/08 BALANC FUND140) Pension 0% - 60% 40% - 80% 0% - 40% Growth Fund (SFIN: ULIF00327/08/08 GROWTH FUND140) Pension Nil 0% - 100% 0% - 100% Dynamic Equity Fund (SFIN: ULIF00427/08/08 LARCAP FUND140) Fund Conservation Option at Maturity like to invest in each of them. If you are opting for more than one fund, the minimum investment in any fund should be at least 10% of the premium allocated. The fund and fund objectives are as follows: Investment Objective To generate steady returns at lower risk by investing in a range of debt securities To generate balanced returns by investing in debt securities to provide stability and by investing in equities to provide potentially enhanced returns through capital appreciation To generate higher returns through capital appreciation in the long term by investing in diversified equities. Debt investment will provide relatively more stability and diversification To generate higher returns through capital appreciation in long term from a diversified equity portfolio transferred to Pension Debt Fund in the last three years of your policy; on a half-yearly basis. The fund allocations (as a percentage of units) in the last 3 years will look as follows: Last 6 half-yearly fund conservation details Risk Profile 6 5 4 3 2 1 The exposure in other funds is systematically diverted to Pension Debt Fund at the beginning of every half-year as follows: 67% 53% 40% 27% 13% 0% 58% 47% 35% 23% 12% 0% 50% 40% 30% 20% 10% 0% 42% 33% 25% 17% 8% 0% 33% 27% 20% 13% 7% 0% Low High Very High Very High Fund Allocation Percentage Explained below is the concept with the help of an illustration: Debt Fund Conservation Option at Maturity Equity 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 3.5 3 2.5 2 1.5 1 0.5 Years to Maturity A customer enters at the age of 30 years and plans to stay invested for a period of 30 years, i.e, his vesting age is 60 years. When he is 57 years of age, he enters into the last 3 years of the Policy. Here, he has 70% in Pension Dynamic Equity Fund. This equity component is transferred in six half-yearly installments into Pension Debt Fund. Hence the Pension Dynamic Equity Fund allocation reduces from 70% to 58% by the middle of third year and so on till it falls to 0% and the allocation in Pension Debt Fund becomes 100% six months before maturity. Persistency units allocated (if any) during this period will be re-directed to Pension Debt Fund. Switching would be allowed during the last three policy years only if the policyholder opts out of this option. Flexibilities Available in the Plan Option to change the vesting age The policyholder shall have the option to extend or reduce the vesting age, three months before the vesting chosen at inception. This option can be exercised by the policyholder anytime after attaining the age of 45 years subject to a maximum age of 75 years. Top-Up Premiums To boost your investments, you can pay additional premiums which will be invested in your chosen investment funds. Top-Up Premiums will be allocated to a Top-Up Unit Account and the minimum Top-Up Premium is `5,000. There is no restriction on maximum Top-Up Premium. Switching option You can switch your investments within funds, depending on your financial priorities and investment decision. In any year, 4 switches are available free of cost. The minimum switch amount is `5,000 unless 100% of the fund is switched. Partial withdrawals To manage any unexpected need for money or for any exigency, partial withdrawals can be made from your investment account after 5 policy years. There is a three years lock-in period for each Top-Up Premium payment made except for the last three years. First partial withdrawal in a policy year is available free of cost. Up to 5 partial withdrawals during the entire term of contract would be allowed. Any partial withdrawal will first be made from Top-Up Unit Account, if any and if eligible, followed by the Single Premium Unit Account, if required, subject to tax laws as applicable. The minimum withdrawal amount is `10,000. The remaining Fund value after withdrawal should not be less than 50% of Fund Value just before withdrawal subject to a minimum of 50% of the single premium). Eligibility Age at Entry : Minimum - 18 years and Maximum - 65 years Policy Term : 10-57 years Vesting Age : 45 years Maximum Vesting Age : 75 years Minimum Annual : `45,000 for a term of 10 years Premium `100,000 for term > 10 years

List of Charges Applicable on the Policy Premium Allocation Charge This will be deducted from the single premium at the time of premium payment before allocating the same to the Unit Account. Single Premium Allocation Charge Amount (in `) 10 year term Term greater than 10 years 45,000 to 59,999 6.00% 60,000 to 99,999 4.00% 100,000 to 249,999 3.00% 3.00% 250,000 to 499,999 1.50% 1.50% >= 500,000 NIL NIL Premium allocation charge for Top-Up Premium: 1% Policy Administration Charge At the beginning of each policy month, the Company will deduct the following amount per month from the policyholder s Unit Account by way of cancellation of units: Policy Year Policy Administration charges (% of Single Premium Amount) 1 On first 60,000 0.2% per month In excess of 60,000 0.09% per month 2 nd year On first 60,000 0.09% per month onwards In excess of 60,000 0.02% per month Fund Management Charges (FMC) Fund Detail FMC (% p.a.) Pension Debt Fund 1.20% Pension Balance Fund 1.35% Pension Growth Fund 1.35% Pension Dynamic Equity Fund 1.35% Surrender Charge In case of surrender request after 3 rd policy anniversary and subsequent surrender, the following surrender charge would be applicable: Year in which contract surrendered Surrender Charge (% of value of regular premium units) 4th year 2% 5th year 1% 6th year onwards 0% Other Charges 4 free switches are available every year. Subsequent switches will be charged at the rate of `250 per switch 1 free partial withdrawal request is available every year. Subsequent partial withdrawals will be charged at the rate of `250 per withdrawal The Company may charge a miscellaneous fee of `100 for revival and other alteration request in the Policy Tax Benefits As per the current tax laws: Premiums qualify for deduction under Section 80C of the Income Tax Act 1961 One-third of the Fund Value is commutable tax-free; remaining amount will be taxable as income under salary for the respective assessment year The above tax qualifications are subject to the Income Tax Laws prevailing from time to time. For any further clarification please consult your tax advisor Free Look Cancellation You have a period of 15 days from the date of receipt of the Policy document to review the terms & conditions of this Policy. If you do not agree to the terms & conditions, you have the option to return the Policy stating the reasons thereof within this period. On receipt of your letter along with the Policy documents, we will refund the Fund Value plus unallocated part of premium (if any) plus charges deducted from the policy by cancellation of units subject to the deduction of proportionate risk charges, if any, for the period of cover, expenses incurred by us on medical examination and stamp duty. Revision of Charges The Company may revise the following charges subject to prior approval from the Insurance Regulatory and Development Authority of India (IRDA): The fund management charge can be revised as per IRDA guidelines Premium allocation and surrender charges are guaranteed Charges for switch, partial withdrawal and miscellaneous charge may change subject to a maximum of `1000 Fund Insufficiency After three policy years if value of Single Premium Unit Account is not sufficient to pay the monthly charges deducted from the Single Unit Account, the policy will terminate and value of Top-Up Units, if any, will be paid. Unit Price Calculation The Company shall calculate the Unit Price of the funds as per IRDA guidelines The appropriation basis will apply when a fund is expanding, i.e. there is net creation of Units in the fund When appropriation basis applies, the net asset value of the fund is determined as market value of assets held in the fund plus expenses incurred in the purchase of the assets plus the value of any current assets plus any accrued income net off fund management charges less the value of any current liabilities less provision and tax, if any. The Unit Price is determined by dividing the net asset value of the fund by the number of Units existing at the valuation date (before any new Units are created) The expropriation basis will apply when a fund is contracting, i.e. there is net cancellation of Units in the fund When expropriation basis applies, the net asset value of the fund is determined as market value of assets held in the fund less the expenses incurred in the sale of the assets plus the value of any current assets plus any accrued income net off fund management charges less the value of any current liabilities less provision and tax, if any. The Unit Price is determined by dividing the net asset value of the fund by the number of Units existing at the valuation date (before any Units are redeemed) The Unit Price will be rounded to the nearest of `0.0001 and shall be published on the Company s website Policy Loan No loan is available on the Policy under this plan. Service Tax As per the service tax rules, this tax is applicable on the Unit Linked Insurance Policies from 10/09/2004. Section 41 of the Insurance Act, 1938: Prohibition of Rebate 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. Section 45 of the Insurance Act, 1938: Non-disclosure No Policy of life insurance is effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no Policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal for insurance or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the Policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and

that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Risks of Investment in Unit-Linked Policy DHFL Pramerica Life Insurance Company is the name of the insurance company and "DHFL Pramerica Golden Age+ Single Premium 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 premium paid in Unit LInked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the Units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his /her decisions We do not guarantee the Fund Value or value of Unit Price. There can be no assurance that the objectives of any of the funds will be achieved and none is given by us The past performance of any fund of the Company is not necessarily indicative of the future performance of any of the fund/s All premiums/benefits payable under the policy are subject to applicable laws and taxes including service tax, as they exist from time to time This brochure gives the salient features for the product. Please refer to Policy document for further details of the terms & conditions Before purchasing the policy, please know the associated risks and the applicable charges from our Life Associate, Intermediary or Policy Document Unit Linked Insurance Products are different from Traditional Insurance Products and are subject to the risk factors The premiums and funds are subject to certain charges related to the fund or to the premium paid The various funds shown in the schedule are the names of the funds and do not in any manner indicate the quality of the funds, their future prospects or returns

About us DHFL Pramerica Life Insurance Company Ltd. (DPLI) is a joint venture between Dewan Housing Finance Corporation Ltd. (DHFL), India s second largest private sector housing finance company and Prudential International Insurance Holdings, Ltd. (PIIH), a fully owned subsidiary of Prudential Financial, Inc. (PFI), a financial services leader headquartered in the U.S. DPLI represents the coming together of two renowned financial services organizations with a legacy of business excellence spread over decades. The life insurance joint venture agreement between the two partners was signed in July 2013. DHFL Pramerica Life Insurance, which was earlier known as DLF Pramerica Life Insurance started operations in India on September 01, 2008 and has a pan India presence through multiple distribution channels which have been customized to address the specific insurance needs of diverse customer segments. The Company is committed to providing protection and quality financial advice to its customers. For further information on the Company, please visit www.dhflpramerica.com. About DHFL DHFL was founded in 1984 by Late Shri Rajesh Kumar Wadhawan with a vision to provide financial access to the lower and middle income segments of the society. Today, led by Mr. Kapil Wadhawan, CMD, DHFL, the Company is one of India s leading mortgage finance institutions with presence in over 450 locations across the country, in addition to representative offices in Dubai and London. All through its years of growth, DHFL has stayed with its core vision of financial inclusion. The Company s wide network, coupled with insights into local customer needs has enabled the Company to provide meaningful financial access to customers even in India s smallest towns. With a strong business foundation, an extensive distribution network, proven industry expertise and a deep understanding of the Indian customer, DHFL is one of India s largest financial services companies. For further information, please visit http://www.dhfl.com. About PFI Pramerica is a trade name used by Prudential Financial, Inc. (PFI), a company incorporated and with its principal place of business in the United States, and its affiliated companies in select countries outside the United States. PFI (NYSE: PRU), a financial services leader with more than $1 trillion of assets under management as of September 30, 2013, has operations in the United States, Asia, Europe and Latin America. PFI s diverse and talented employees are committed to helping individual and institutional customers grow and protect their wealth through a variety of products and services, including life insurance, annuities, retirement-related services, mutual funds and investment management. In the U.S., PFI s iconic Rock symbol has stood for strength, stability, expertise and innovation for more than a century. Prudential Financial, Inc. of the United States is not affiliated in any manner with Prudential plc, a company incorporated in the United Kingdom. Pramerica and the Rock Logo are proprietary servicemarks and may not be used without the permission of the owner. Note: For information on timeframes for proposal processing, policy servicing, claims servicing and grievance redressal, please refer our website at www.dhflpramerica.com Service tax & education cess will be deducted from the quoted premium. This product provides 30 days freelook period if sold through distance marketing mode. Insurance is the subject matter of solicitation. This product provides life insurance coverage. DHFL Pramerica Golden Age+ Single Premium UIN: 140L014V01 IRDA Registration Number: 140 DLF Pramerica Life Insurance Company Limited. All rights reserved. Copyright 2009 Beware of spurious phone calls and Fictitious/Fraudulent offers: IRDA clarifies to public that IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call and number.