*Provided all due regular premiums are paid & the policy being in Iorce.
Sa!eguard your !irsI year premium*
Maximise your wealIh wiIh 100% o! the premiumihvesIed ih Ihe !uhd o! your choice !rom 2hd year ohwards The participation by the bank's customers shall be purely on a voluntary basis. The contract oI insurances is between the insurer and the insured and not between the bank and the insured. MulIipurpose MulIipurpose MeI CrowIh MeI CrowIh MeILi!e's Uhique UhiI Lihked Ihsurahce Plah (Noh Par) Many happy reIurns Grov veaIIh !or your reIiremenI years. MetLi!e India Insurance Co. Ltd. 8rigade Seshamahal, 5, Vahi Vilas Road, 8asavahagudi, 8ahgalore - 560 004 1el: +91-080-2643 8638 VisiI us aI www.meIli!e.co.ih IRDA RegisIraIioh humber: 117 IRDA Uhique IdehIi!icaIioh Number !or MeI CrowIh is 117L044V01. Insurance is the subject matter oI the solicitation. LD/2009-10/EC189/376. *Premium sms charges as applicable. For ahy assisIahce please cohIacI us aI : 1oll Free:1800-425-8989 or Lmail: IndiaServicemetIi!e.com or sms* ALIfE Io 56161 Hi, I am Saurabh ahd I have beeh workihg !or Ihe lasI 8 years ih a mulIihaIiohal !irm. I have a !amily cohsisIihg o! my wi!e ahd kid. I uhdersIahd IhaI wiIh each passihg year, my respohsibiliIies Iowards my !amily are ihcreasihg. However I also uhdersIahd IhaI my respohsibiliIy Iowards mysel! is also as imporIahI. While I am earhihg, I cah Iake care o! my heeds ahd maihIaih my li!esIyle. 8uI whaI abouI Ihe Iime wheh I am hoI earhihg? More so sihce I would wahI Io reIire wheh I am !i!Iy, so IhaI I cah pursue all my oIher ihIeresIs Iherea!Ier, Ihere is ah ever ihcreasihg pressure oh me Io sIarI NOW. 8uI Ihe currehI volaIiliIy ih Ihe markeIs is hoI com!orIihg. I was lookihg !or a plah which could help me sIarI NOW by ehsurihg some sa!eIy ih Ihe currehI circumsIahces while allowihg me Io Iake advahIage o! all !uIure upswihgs o! Ihe markeI Io help me build my reIiremehI !uhd !asIer. While seekihg ahswers Io my quesIiohs, I heard abouI MeILi!e's 'Met Grovth'. MeILi!e o!!ers 'MeI CrowIh' a UhiI Lihked soluIioh Io plah !or your goldeh years which is specially desighed Io provide !ihahcial securiIy !or your !uIure requiremehIs. 1his plah allows you Io sIarI plahhihg NOW by ehsurihg Ihe sa!eIy o! your !irsI year premiums. II also helps creaIe your reIiremehI !uhd !asIer by givihg you 100% allocaIioh !rom Ihe secohd year ohwards coupled wiIh aIIracIive loyalIy addiIiohs ihIo your !uhd 'CuarahIeed'. IN 1HIS POLICY, 1HL INVLS1MLN1 RISK IN 1HL INVLS1MLN1 POR1FOLIO IS 8ORNL 8Y 1HL POLICYHOLDLR Hov does the pIan vork? Key ene!its o! Met Grovth * CuarahIeed LoyalIy AddiIioh varies as per Ihe premium bahds, provided all Ihe due regular premiums have beeh paid, policy beihg ih !orce ahd sub|ecI Io oIher Policy 1erms &CohdiIiohs Comprehehsive proIecIioh o! 5, 10 &20 Iimes o! your Ahhual Premium Maximise your reIurh poIehIial 100% o! your premium ihvesIed ih !uhds o! your choice !rom Ihe 2hd year ohwards CeI CuarahIeed LoyalIy AddiIioh o! upIo 120%** o! your FirsI Year Premiums CeI CuarahIeed LoyalIy AddiIioh o! 2% o! your Average Fuhd Value !or coverage Ierms o! 20, 25 ahd 30 years LiquidiIy ih Ihe !orm o! ParIial WiIhdrawals ahd Surrehder 8ehe!iIs Make addiIiohal ihvesImehIs ih Ihe !orm o! 1op Up Premiums ** For plaIihum bahd (50% aI Ihe ehd o! 10Ih year ahd 70% aI Ihe ehd o! Ihe 15Ih year) WiIh MeI CrowIh, resI assured IhaI you have Ihe much heeded guarahIees IhaI you heed Io achieve your lohg Ierm !ihahcial ob|ecIives. WahI Io khow more...read !urIher...... PIan at a GIance Guaranteed LoyaIty Additions ***For LhIry ages above 55 ohly 5 mulIiple is allowed. 4 simpIe steps to get your ovn pIan SIep 1:- Choose your Ahhual Premium &Ihe mode o! paymehI. SIep 2:- Choose Ihe Sum Assured mulIiple o! 5, 10 or 20 Iimes Ihe Ahhual Premium. SIep 3:- Choose Ihe Coverage 1erm o! 15, 20, 25 &30 years. SIep 4:- Choose Ihe UhiI Lihked Fuhd OpIioh. And walch your money grow ...wilh our Loyally Addilions WiIh MeI CrowIh you geI Ihe guarahIee o! ehhahcihg your wealIh creaIioh wiIh loyalIy addiIiohs which are added Io your policy aI de!ihed ihIervals ahd oh maIuriIy sub|ecI Io Ihe policy beihg ih !orce ahd all due regular premiums havihg beeh paid. You earh CuarahIeed LoyalIy AddiIiohs as a percehIage o! Ihe FirsI Year Ahhualised Regular Premium aI Ihe ehd o! Ihe 10Ih ahd 15Ih year plus CuarahIeed LoyalIy AddiIioh as a percehIage o! Ihe average Fuhd Value o! Ihe base Regular Premium AccouhI aI Ihe ehd o! 20Ih year ahd every 5 years Iherea!Ier. 1he AccouhI Value perIaihihg Io 1op-Up Premiums is hoI eligible !or LoyalIy AddiIiohs. 1he rupee value o! Ihe CuarahIeed LoyalIy AddiIiohs would be allocaIed Io Ihe choseh UhiI-Lihked Fuhds ih Ihe same proporIioh as Ihe Iheh exisIihg Premium AllocaIioh ihsIrucIioh o! Ihe Policyholder, by creaIihg Ihe appropriaIe humber o! uhiIs as per Ihe NeI AsseI Value o! Ihe UhiI-Lihked Fuhds, as oh Ihe due daIe o! crediI o! Ihe CuarahIeed LoyalIy AddiIiohs. Mih - 0 years (3 mohIhs Io be compleIed) Max - 60 years Mih - 18 years Max - 75 years 15 / 20 / 25 / 30 years Regular Rs. 12,000 Mih - 5 Iimes Ihe Ahhualised Premium ***OIher Sum Assured mulIiples - 10 Iimes & 20 Iimes Ihe Ahhualised Premium. MohIhly, QuarIerly, Hal!-yearly, Yearly LhIry Age (ih compleIed years) MaIuriIy Age Coverage 1erm Premium PaymehI 1erm Mihimum Ahhualised Premium 8asic Sum Assured Premium PaymehI Modes FirsI year Premium 50% aI Ihe ehd o! Ihe 10Ih year UpIo 70%* aI Ihe ehd o! Ihe 15Ih year Used Io provide CuarahIeed LoyalIy AddiIioh oh de!ihed ihIervals / maIuriIy Assured LoyalIy AddiIioh 2% o! Ihe Average Fuhd Value o! lasI 3 years. AllocaIed Io di!!erehI Fuhds vithout any AIIocation Charge Secohd year premium ohwards AI Ihe ehd o! 20Ih, 25Ih & 30Ih year pIus IN 1HIS POLICY, 1HL INVLS1MLN1 RISK IN 1HL INVLS1MLN1 POR1FOLIO IS 8ORNL 8Y 1HL POLICYHOLDLR Guaranteed LoyaIty Addition ( as a % o! first year AnnuaIised Premium) Guaranteed LoyaIty Addition (as a % o! Average fund VaIue) Death ene!it AI Ihe ehd o! Ihe 10Ih year: - 50% o! Ihe FirsI Year Ahhualised Premium AI Ihe ehd o! Ihe 15Ih year:- Your Fuhd also geIs ehhahced by CuarahIeed LoyalIy AddiIiohs 2% o! Ihe average !uhd value aI Ihe ehd o! Ihe 20Ih year ahd every 5 years Iherea!Ier. 1he Average Fuhd Value is Ihe average o! Ihe Fuhd Value o! Ihe lasI 36 mohIhly ahhiversaries precedihg Ihe due daIe a!Ier MohIhly DeducIiohs precedihg Ihe LoyalIy AddiIioh calculaIioh. Ih Ihe uh!orIuhaIe evehI o! your deaIh durihg Ihe Coverage 1erm your homihee/behe!iciary will receive: i) I! Ihe deaIh o! Ihe Persoh Ihsured occurs be!ore aIIaihmehI o! Age 7: I! Ihe Persoh Ihsured dies be!ore ohe policy year has elapsed all Ihe regular premiums received Iill daIe o! deaIh will be paid back wiIhouI ihIeresI. I! Ihe Persoh Ihsured dies a!Ier Ihe !irsI policy ahhiversary, Ihe deaIh behe!iI payable will be Ihe Fuhd Value plus Ihe amouhI equal Io Ihe Regular Premium received by us ih Ihe FirsI Policy year. ii) I! Ihe deaIh o! Ihe Persoh Ihsured occurs be!ore Ihe aIIaihmehI o! age 60: 1he deaIh behe!iI payable will be Ihe higher o! 1he Fuhd Value or 1he Sum Assured less all ParIial WiIhdrawals, made ih accordahce wiIh Ihe ParIial WiIhdrawal provisiohs durihg Ihe lasI 24 mohIhs precedihg Ihe deaIh o! Ihe Persoh Ihsured. iii) I! Ihe deaIh o! Ihe Persoh Ihsured occurs oh or a!Ier Ihe aIIaihmehI o! age 60: Your (Product) ene!its As a Percentage o! first year AnnuaIised Premium ( in Yr 15) AnnuaIised Premium (s) Silver (12,000 - 25,000) Cold (25,100 - 2,00,000) PlaIihum (2,00,001 & above) Guaranteed LoyaIty Addition 55% o! Ihe FirsI year Ahhualised Premium 60% o! Ihe FirsI year Ahhualised Premium 70% o! Ihe FirsI year Ahhualised Premium 1he deaIh behe!iI payable will be Ihe higher o! 1he Fuhd Value or Sum Assured less all ParIial WiIhdrawals made ih accordahce wiIh Ihe ParIial WiIhdrawal provisiohs, durihg Ihe lasI 24 mohIhs immediaIely precedihg Ihe daIe o! deaIh or all ParIial WiIhdrawals made ih accordahce wiIh Ihe ParIial WiIhdrawal provisiohs posI aIIaihmehI o! age 60 whichever is higher. Oh maIuriIy o! Ihe policy you receive Ihe Fuhd Value ihcludihg Ihe CuarahIeed LoyalIy AddiIioh (as applicable). You cah also choose Ihe seIIlemehI opIioh ahd wiIhdraw your Fuhd Value ih ihsIallmehIs wiIhih 5 years !rom Ihe daIe o! maIuriIy. 1he li!e i hsurahce cover duri hg Ihe seIIlemehI opIioh period would hoI be applicable ahd ih case o! deaIh o! Ihe policyholder durihg Ihis period ohly Ihe Fuhd Value as oh IhaI daIe shall be paid, ahd Ihe policy will be IermihaIed. No parIial wiIhdrawals ahd swiIches shall be allowed durihg Ihe SeIIlemehI Period. Also ho loyalIy addiIioh will be available durihg Ihe SeIIlemehI Period. No 1op-Up Premiums are allowed Io be paid ihIo Ihe AccouhI durihg Ihe seIIlemehI period. I! you wish Io opI !or Ihe seIIlemehI opIioh, you heed Io ih!orm Ihe compahy aI leasI 90 days prior Io Ihe daIe o! maIuriIy. You have Ihe choice o! !ive UhiI-Lihked Fuhds available Io you. You cah choose Io ihvesI your premiums ih Ihese UhiI-Lihked Fuhds ih ahy proporIioh aggregaIihg Io a IoIal o! ohe huhdred percehI, Io maIch your !ihahcial ob|ecIives. However, ihvesImehI ih ahy o! Ihe choseh UhiI-Lihked Fuhds should have a mihimum allocaIioh o! IwehIy percehI (20%). Followihg are Ihe !ive UhiI-Lihked Fuhds o!!ered wiIh MeI CrowIh. Maturity ene!it UnitLinked fund options !or investments o! your premium IIIustrative figures Other fIexibIe ene!its I! you choose a Coverage 1erm o! 30 years, giveh below are some o! Ihe behe!iIs !or selecIed ages aI 8asic Sum Assured o! Rs. 150,000, Fuhd OpIioh choseh is 8alahcer. *10% ahd 6% are Ihe gross ihdicaIive raIes o! ahhual ihvesImehI reIurhs. 1he acIual ihvesImehI reIurh may be higher or lower Ihah Ihe raIes & would be based oh Iheir acIual per!ormahce. 1he !uhd values ahd oIher values have beeh calculaIed a!Ier ad|usIihg !or all Ihe applicable charges. **LoyalIy AddiIiohs are added, provided all Ihe due regular premiums have beeh paid & Ihe policy beihg ih !orce 1he MaIuriIy 8ehe!iI is ihclusive o! Ihe LoyalIy AddiIiohs (boIh as a percehIage o! FirsI Year Premium as well as a percehIage o! Ihe Average Fuhd Value ahd Ihere!ore should hoI be cohsidered over ahd above Ihe !uhd value. For deIails, please ask !or a cusIomised illusIraIioh !rom Ihe advisor. You cah ihvesI your surplus !uhds (over ahd above Ihe regular premiums) as 1op-Up Premiums, Ihus addihg Io your savihgs poIehIial. 1he mihimum amouhI o! a sihgle 1op-Up Premium is Rs. 5,000. 1he Sum Assured would be ihcreased by 125% o! Ihe 1op-Up Premium oh each such paymehI. Ahy 1op-Up Premiums paid would hoI be eligible !or parIial wiIhdrawals !or Ihree years !rom Ihe daIe o! such paymehI. You will have Ihe opIioh Io surrehder Ihe policy a!Ier Ihe compleIioh o! Ihe !irsI Ihree policy years. Oh seekihg surrehder o! Ihe policy, Ihe surrehder value is payable, which aI all Iimes is equal Io Ihe Fuhd Value less Ihe applicable Surrehder Charges. Top - Up Premiums Surrender ene!it Asset AIIocation 80%-100% ih LisIed LquiIies 0%-40% ih Mohey MarkeI IhvesImehIs 60%-100% ih LisIed LquiIies 0%-40% ih Mohey MarkeI IhvesImehIs 35%-65% ih LisIed LquiIies 0%-60% ih Lohg 1erm 8ohds 0%-35% ih ShorI 1erm 8ohds 0%-40% ih Mohey MarkeI IhvesImehIs 10%-60% ih CoverhmehI SecuriIies (ihcludihg CoverhmehI CuarahIeed SecuriIies) 0%-60% ih Ih!rasIrucIure/Social SecIor SecuriIies 25%-90% ih CoverhmehI SecuriIies 10%-60% ih Lohg-1erm 8ohds 0%-45%ih ShorI-1erm 8ohds 0%-40% ih Mohey MarkeI IhvesImehIs 0%-60% ih Ih!rasIrucIure/Social SecIor SecuriIies 80%-100% ih CoverhmehI SecuriIies 0%-40% ih Mohey MarkeI IhvesImehIs isk Pro!iIe 1his !uhd will exhibiI very high risk ahd reIurhs ahd will be prohe Io markeI !lucIuaIiohs 1his !uhd will have very high risk ahd reIurhs pro!ile ahd will be prohe Io markeI !lucIuaIiohs Higher risk ahd reIurhs wiIh a !air exposure Io equiIies Low risk ahd is desighed !or regular ihcome Very low risk Unit-Linked fund Objective 1o geheraIe lohg Ierm capiIal appreciaIioh by ihvesIihg ih diversi!ied equiIies 1o geheraIe lohg Ierm capiIal appreciaIioh by ihvesIihg ih diversi!ied equiIies o! compahies promoIihg healIhy li!esIyle ahd ehhahcihg qualiIy o! li!e. 1o geheraIe capiIal appreciaIioh ahd currehI ihcome, Ihrough a |udicious mix o! ihvesImehIs ih equiIies ahd !ixed ihcome securiIies 1o earh regular ihcome by ihvesIihg ih high qualiIy !ixed ihcome securiIies 1o geheraIe ihcome aI a level cohsisIehI wiIh preservaIioh o! capiIal, Ihrough ihvesImehIs ih securiIies issued or guarahIeed by CehIral ahd SIaIe CoverhmehIs Unit-Linked fund MulIiplier VirIue 8alahcer ProIecIor Preserver Age o! the Customer (in years) 25 35 45 Ahhualised Regular Premium Paid (ih Rs.) 30,000 30,000 30,000 Ih Rs. 33,000 33,000 33,000 1oIal LoyalIy AddiIiohs** as a percehIage o! FirsI year premium
110% 110% Ih Rs. 129,524 129,440 129,121 1oIal LoyalIy AddiIiohs as a percehIage o! FirsI year premium 431% 430% MaIuriIy 8ehe!iI Ih Rs. 3,606,097 3,603,874 3,595,469 1oIal LoyalIy AddiIiohs Ih Rs. 72,526 72,487 72,340 1oIal LoyalIy AddiIiohs
as a percehIage o! FirsI year premium 242% 242% 241% MaIuriIy 8ehe!iI Ih Rs. 1,777,543 1,776,684 1,773,458 110% 432% Guaranteed ene!its Non-guaranteed ene!its ( at 10%)* Non-guaranteed ene!its (at 6%)* Ih excepIiohal circumsIahces, Ihe Compahy may de!er Ihe surrehder o! Ihe Policy !or a period hoI exceedihg IhirIy days !rom Ihe daIe o! applicaIioh. Lxamples o! such circumsIahces are: a) Wheh ohe or more sIock exchahges which provide a basis !or valuaIioh !or a subsIahIial porIioh o! Ihe asseIs o! Ihe !uhd are closed oIher Ihah !or ordihary holidays b) Wheh, as a resulI o! poliIical, ecohomic, moheIary or ahy circumsIahces IhaI are ouI o! Ihe cohIrol o! Ihe Compahy, Ihe disposal o! Ihe asseIs o! Ihe UhiI- Lihked Fuhd(s) are hoI reasohable or would hoI reasohably be pracIicable wiIhouI beihg deIrimehIal Io Ihe ihIeresIs o! Ihe remaihihg policyholders ihvesIed ih Ihe UhiI-Lihked Fuhd(s) c) Durihg periods o! exIreme volaIiliIy o! markeIs durihg which surrehders would, ih our opihioh, be deIrimehIal Io Ihe ihIeresIs o! Ihe exisIihg policyholders ihvesIed ih Ihe UhiI-Lihked Fuhd(s) d) Ih case o! haIural calamiIies, sIrikes, war, civil uhresI, rioIs ahd bahdhs e) Ih evehI o! ahy !orce ma|eure or disasIer IhaI a!!ecIs our hormal !uhcIiohihg !) I! so desired by Ihe Ihsurahce RegulaIory ahd DevelopmehI AuIhoriIy
You have Ihe opIioh o! parIial wiIhdrawal Io meeI your ihIermiIIehI !ihahcial heeds !rom your policy sub|ecI Io Ihe !ollowihg cohdiIiohs. 1he Persoh Ihsured compleIihg 18 years o! age 1he mihimum amouhI o! parIial wiIhdrawal should be Rs 5,000 1he parIial wiIhdrawal is made ohly a!Ier 3 compleIed policy years 1he mihimum Fuhd Value a!Ier Ihe ParIial WiIhdrawal should be equal Io 120% o! Ihe Ahhualised Regular Premium as applicable ahd Ihe applicable surrehder charges. 1he currehI limiI oh Ihe maximum ParIial WiIhdrawal is resIricIed Io 10% o! Ihe Fuhd Value ih a Policy year. 1his limiI oh ParIial WiIhdrawal, Io Ihe exIehI applicable, shall apply ohly durihg Ihe !irsI 15 Policy years o! Ihe Coverage 1erm. PartiaI WithdravaIs # Premium re-direction . # * faciIity o! svitching betveen Unit-Linked funds. Premium AIIocation Charge PoIicy Administration Charge All premiums (ihcludihg 1op-Up Premium) paid could be allocaIed ih ahy proporIioh beIweeh Ihe various UhiI-Lihked Fuhds. Such allocaIioh heeds Io be choseh aI Ihe Iime o! Ihe proposal ahd also could be alIered laIer. However Ihe proporIioh !or ahy choseh !uhd should be aI leasI 20% o! Ihe regular premium. You would have Ihe opIioh Io chahge Ihe premium allocaIioh proporIiohs ohce every policy year !ree o! charge. SubsequehI chahges ih a policy year would be cohsidered as ah alIeraIioh ahd would be charged accordihgly. # Ih Ihe !irsI Policy Year premium redirecIioh is resIricIed Io ohly ohce. You have Ihe behe!iI Io swiIch parIially or !ully beIweeh Ihe available UhiI- Lihked !uhd opIiohs, aI ahy poihI o! Iime durihg Ihe coverage Ierm. You will have Ihe behe!iI o! 12 (1welve) !ree swiIches ih every policy year. 1he mihimum value o! every swiIch should be Rs 5,000. # * swiIches are resIricIed Io 12 !ree ih Ihe !irsI year. 1he !irsI year Ahhual Regular Premium would be used Io pay Ihe CuarahIeed LoyalIy AddiIioh as applicable ahd is hoI allocaIed Io Ihe UhiI-Lihked Fuhds. From year 2 ohwards Ihere would be ho Premium AllocaIioh Charge !or Ihe regular premiums i.e. 100% o! your mohey is ihvesIed ih your choseh !uhd/s. 1he Premium AllocaIioh Charge !or 1op-Up Premium is 3.5%. 1he Premium AllocaIioh Charge will be deducIed !rom each Regular/ 1op-Up premium ahd Ihe balahce premium will be used Io buy uhiIs ih Ihe appropriaIe !uhd. 1he Policy AdmihisIraIioh charge is a percehIage o! Ihe Sum Assured ahd would be deducIed every mohIh !rom Ihe Fuhd Value !rom Ihe 2hd year ohwards. Policy AdmihisIraIioh charges will be waived ih Ihe !irsI year. 1he Policy AdmihisIraIioh Charge !or di!!erehI SumAssured mulIiples are as !ollow:- For Sum Assured mulIiple o! 5 Iimes Ihe Ahhualised Premium:- PoIicy Charges AnnuaIised Premium Silver (12,000 - 25,000) Cold (25, - 2,00,000) PlaIihum (2,00,001 & above) 100 As a %o! the Sum Assured (per month) 0.225% 0.15% 0.10% For Sum Assured mulIiple o! 10 Iimes Ihe Ahhualised Premium:- For Sum Assured mulIiple o! 20 Iimes Ihe Ahhualised Premium:- 1he above charges will be deducIed aI Ihe begihhihg o! each mohIh by cahcellaIioh o! ah appropriaIe humber o! uhiIs usihg Ihe relevahI NeI AsseI Value o! Ihese uhiIs. Policy admihisIraIioh charges will be waived ih Ihe !irsI year. However Ihe compahy reserves Ihe righI Io ihcrease Ihis charge up Io a maximum o! 0.333% o! Ihe Sum Assured per mohIh wiIh prior clearahce !rom Ihe Ihsurahce RegulaIory ahd DevelopmehI AuIhoriIy. No morIaliIy charges are levied ih Ihe !irsI year. From year 2 ohwards, morIaliIy charges will be deducIed aI Ihe begihhihg o! each mohIh by cahcellaIioh o! ah appropriaIe humber o! uhiIs aI Ihe relevahI NeI AsseI Value. Sample MohIhly CosI o! Ihsurahce per 1000 sum aI risk is as below: 1he Surrehder Charge is based oh Ihe FirsI Year Ahhualised Premium ahd is deducIed !rom Ihe Fuhd Value. Surrehders are hoI permiIIed durihg Ihe !irsI Ihree years o! Ihe policy. MortaIity Charge fund Management Charge Surrender Charge Svitching Charge PartiaI WithdravaI Charge MisceIIaneous Charges 1he !irsI Iwelve swiIches beIweeh Ihe UhiI-Lihked Fuhds ih a policy year will be !ree o! ahy charge. Lach !urIher swiIch beIweeh Ihe !uhds ih a policy year would be charged aI Rs. 250. 1he swiIchihg charges will be deducIed !rom Ihe amouhI swiIched ahd Ihe balahce amouhI will be used Io buy uhiIs ih Ihe hew UhiI Lihked Fuhd. However Ihe Compahy reserves Ihe righI Io ihcrease Ihis charge up Io a maximum o! Rupees 750 wiIh prior clearahce !rom Ihe Ihsurahce RegulaIory ahd DevelopmehI AuIhoriIy. 1he !irsI Iwo wiIhdrawals ih a policy year will be !ree o! ahy charge. For each subsequehI parIial wiIhdrawal, Ihe compahy will charge Ihe Policyholder Rs.250. However Ihe compahy reserves Ihe righI Io ihcrease Ihis charge up Io a maximum o! Rs.750 wiIh prior clearahce !rom Ihe Ihsurahce RegulaIory ahd DevelopmehI AuIhoriIy. 1he parIial wiIhdrawal charge will be deducIed !rom Ihe amouhI wiIhdrawh. 1he Compahy has Ihe opIioh Io charge Rs. 250 !or alIeraIiohs like Premium RedirecIioh ahd ReihsIaIemehI o! Ihe Policy. However Ihe Compahy reserves Ihe righI Io ihcrease Ihis charge up Io a maximum o! Rupees 750 wiIh prior clearahce !rom Ihe Ihsurahce RegulaIory ahd DevelopmehI AuIhoriIy. Service 1ax Charges as hoIi!ied by Ihe CoverhmehI !rom Iime Io Iime will also be deducIed ih addiIioh Io above charges. free Look CanceIIation. You have a period o! 15 days !rom Ihe daIe o! receipI o! Ihe policy documehI Io review Ihe Ierms ahd cohdiIiohs o! Ihis Policy. I! you have ahy ob|ecIiohs Io ahy o! Ihe Ierms ahd cohdiIiohs, you have Ihe opIioh Io reIurh Ihe Policy sIaIihg Ihe reasohs !or Ihe ob|ecIiohs you shall be re!uhded ah amouhI equal Io hoh-allocaIed premiums plus charges levied Ihrough cahcellaIioh o! uhiIs plus !uhd value aI Ihe daIe o! cahcellaIioh sub|ecI Io deducIioh o! expehses Iowards medical examihaIioh, sIamp duIy ahd proporIiohaIe risk premium !or Ihe period o! cover. Other Provisions and Conditions AnnuaIized Premium Silver (12,000 - 25,000) Cold (25, - 2,00,000) PlaIihum (2,00,001 & above) 100 As a % o! the Sum Assured (per month) 0.05625% 0.0375% 0.025% fund Option ProIecIor Preserver 8alahcer VirIue MulIiplier Current
2.50% p.a 2.50% p.a 2.50% p.a 2.50% p.a 2.50% p.a Number o! AnnuaIisedl Premiums paid Less Ihah Ohe Ohe Io Less Ihah 1wo 1wo Io Less Ihah 1hree 1hree or more PoIicy Year 4 Surrender Charge as a% o! AnnuaIised Premium NoI Applicable 75% 15% 10% PoIicy Year 5 NoI Applicable NoI Applicable 15% 5% AgelGender Male Female 20 years 0.134667 0.124667 30 years 0.147542 0.146875 40 years 0.254167 0.213083 AnnuaIized Premium Silver (12,000 - 25,000) Cold (25, - 2,00,000) PlaIihum (2,00,001 & above) 100 As a % o! the Sum Assured (per month) 0.1125% 0.075% 0.05% Discontinuance o! Premium. With the !irst three poIicy years. I! ahy regular premium due wiIhih Ihe !irsI Ihree policy years o! Ihe ihcepIioh o! Policy, remaihs uhpaid eveh a!Ier Ihe grace period !rom Ihe daIe o! lasI uhpaid premium, Ihe behe!iI o! Ihe Sum Assured ih Ihe policy will cease Io exisI ahd Ihe policy will lapse wiIh e!!ecI !rom Ihe due daIe o! !irsI uhpaid premium. You cah apply !or reihsIaIemehI o! Ihe lapsed policy wiIhih Iwo years !rom Ihe daIe o! Ihe !irsI uhpaid premium, sub|ecI Io Ihe !ollowihg cohdiIiohs:- RequesI ih wriIihg !or reihsIaIemehI wiIhih Iwo (2) years !rom Ihe daIe o! Ihe FirsI uhpaid premium. Provided saIis!acIory evidehce o! ihsurabiliIy Io us ahd !ul!il all such requiremehIs which may be reasohably prescribed by us. PaymehI ih !ull o! ah amouhI equal Io all Ihe Regular Premiums due buI uhpaid Iill Ihe L!!ecIive DaIe o! reihsIaIemehI ahd Applicable reihsIaIemehI !ee Ih case o! Ihe deaIh o! Ihe Persoh Ihsured durihg Ihe Iime allowed !or reihsIaIemehI o! a lapsed policy, Ihe Fuhd Value will be paid Io Ihe homihee. 1he Fuhd Value shall be sub|ecI Io Ihe per!ormahce o! Ihe uhderlyihg UhiI- Lihked !uhds ahd applicable Fuhd MahagemehI Charges. A!ter at Ieast three poIicy years. I! Ihe due regular premium has beeh paid !or aI leasI Ihree cohsecuIive policy years !rom Ihe ihcepIioh o! policy ahd subsequehI regular premiums are uhpaid, you may reihsIaIe Ihe policy wiIhih Iwo years !rom Ihe daIe o! !irsI uhpaid premium. Durihg Ihe period allowed !or reihsIaIemehI, Ihe Policy shall be allowed Io cohIihue Io be ih !orce by levyihg applicable charges. AI Ihe ehd o! Ihe allowed period !or reihsIaIemehI, i! Ihe policy is hoI reihsIaIed Ihe policy shall be IermihaIed by payihg Ihe Surrehder Value. 1he Policyholder is however ehIiIled Io submiI a wriIIeh hoIice Io Ihe Compahy wiIhih Ihe period allowed !or Ihe reihsIaIemehI o! Ihe Policy opIihg Io cohIihue Ihe Policy. 1he Compahy will cohIihue deducIioh o! applicable Policy Charges ahd keep Ihe Policy ih !orce uhIil Ihe Fuhd Value does hoI !all below Ihe amouhI equivalehI Io Ihe Sum o! ohe year Ahhualised Premium o! Ihe 8asic Plah ahd applicable Surrehder Charge. Contract Termination. I! Ihe policy is lapsed durihg Ihe !irsI Ihree policy years ahd hoI reihsIaIed wiIhih Iwo years !rom Ihe daIe o! such lapse, Ihe policy would be IermihaIed by payihg Ihe surrehder value aI Ihe ehd o! reihsIaIemehI period or aI Ihe expiry o! Ihe Ihird policy year, whichever is laIer. A!Ier Ihe !irsI Ihree policy years, i! Ihe Surrehder Value ih Ihe UhiI AccouhI !alls Io ah amouhI equal Io Ihe 100% o! Ihe ahhualized regular premium ahd Ihe applicable surrehder charges aI ahy poihI o! Iime or Ihe Fuhd Value is ih adequaIe !or Ihe deducIioh o! applicable Policy Charges, Ihe policy would be IermihaIed by payihg Ihe surrehder value as oh IhaI daIe Io you. 1he cohIracI shall also be IermihaIed ohce all Ihe cohIracIual obligaIiohs have beeh discharged. Ih Ihe evehI Ihe Persoh Ihsured commiIs suicide, wheIher sahe or ihsahe aI IhaI Iime, wiIhih !irsI Policy year !rom Ihe L!!ecIive DaIe o! Policy or Ihe daIe o! Ihe lasI reihsIaIemehI whichever is laIer, we shall hoI be liable Io pay Ihe Sum Assured excepI Ihe higher o! 50% o! Ihe Regular Premiums paid ih year ohe (1) ahd Fuhd Value. 1ax behe!iIs are sub|ecI Io ahy chahges made ih Ihe Iax laws ih !uIure. Please cohsulI your Iax advisor !or advice oh Ihe availabiliIy o! Iax behe!iIs !or Ihe premiums paid ahd proceeds (i! ahy) received uhder Ihe policy. Please hoIe IhaI Service 1ax shall be chargeable aI Ihe prevailihg raIe oh IhaI parI o! premium as prescribed uhder Ihe prevailihg Iax regulaIiohs. CurrehIly Service 1ax is charged oh Ihe CosI o! Ihsurahce, Fuhd MahagemehI Charges, Policy AdmihisIraIioh Charges, ahd Premium AllocaIioh Charges. Service 1ax would be deducIed Ihrough cahcellaIioh o! applicable uhiIs !rom Ihe policy accouhI. 1he calculaIioh o! Ihe policy proceeds will be a!!ecIed Io IhaI exIehI. MeILi!e reserves Ihe righI Io deducI uhiIs/collecI separaIely, ahy oIher Iaxes as may be applicable ahd imposed by Ihe Iax auIhoriIies !rom Iime Io Iime Suicide CIause About Taxes isks Inherent in the Unit Linked funds. Due Io Ihe haIure o! Ihe UhiI Lihked Fuhds, Ihe Compahy does hoI guarahIee Ihe price o! Ihe UhiIs o! ahy o! Ihe UhiI Lihked Fuhds o!!ered by iI. UhiI Lihked Li!e Ihsurahce producIs are di!!erehI !rom Ihe IradiIiohal ihsurahce producIs ahd are sub|ecI Io Ihe risk !acIors. 1he Ihsured (ahd Ihe Policyholder, i! di!!erehI) is aware IhaI Ihe ihvesImehI ih uhiIs is sub|ecI, ihIer- alia (amohgsI oIhers), Io Ihe !ollowihg risks: 1he ihvesImehIs ih Ihe UhiIs are sub|ecI Io markeI ahd oIher risks ahd Ihere cah be ho guarahIee IhaI Ihe ob|ecIives o! ahy o! Ihe UhiI Lihked Fuhds will be achieved 1he premium paid ih UhiI Lihked Li!e Ihsurahce policies are sub|ecI Io ihvesImehI risks associaIed wiIh capiIal markeIs. 1he Fuhd Value o! each o! Ihe UhiI Lihked Fuhd cah go up or dowh depehdihg oh Ihe !acIors & !orces a!!ecIihg Ihe !ihahcial markeIs !rom Iime Io Iime ihcludihg chahges ih Ihe geheral level o! ihIeresI raIes ahdIheihsuredis respohsible!or his/her decisioh 1he pasI per!ormahce o! Ihe UhiI Lihked Fuhd(s) o! Ihe Compahy is hoI hecessarily ihdicaIive o! Ihe !uIure per!ormahce o! ahy o! Ihese UhiI Lihked Fuhds 1he UhiI Lihked Fuhds do hoI o!!er a guarahIeed or assured reIurh 1he hame o! Ihe ProducI does hoI ih ahy way ihdicaIe Ihe qualiIy o! Ihe producI, iIs !uIure prospecIs or reIurhs 1he hames o! Ihe UhiI Lihked Fuhds ahd Iheir ob|ecIives do hoI ih ahy mahher ihdicaIe Ihe qualiIy o! Ihe !uhd, Iheir !uIure prospecIs or reIurhs All behe!iIs payable uhder Ihe policy are sub|ecI Io Ihe Iax laws ahd oIher legislaIiohs/regulaIiohs as Ihey exisI !rom Iime Io Iime Please khow Ihe associaIed risks !rom Ihe Fihahcial advisor or Ihe ihIermediary Please re!er Ihe policy documehI !or !urIher deIails ahd risk !acIors Statutory varning
Prohibition o! ebates - SecIioh 41 o! Ihe Ihsurahce AcI, 1938 sIaIes: (1) No persoh shall allow or o!!er Io allow, eiIher direcIly or ihdirecIly, as ah ihducemehI Io ahy persoh Io Iake ouI or rehew or cohIihue ah ihsurahce ih respecI o! ahy kihd o! risk relaIihg Io lives or properIy ih Ihdia, ahy rebaIe o! Ihe whole or parI o! Ihe commissioh payable or ahy rebaIe o! Ihe premium showh oh Ihe policy, hor shall ahy persoh Iakihg ouI or rehewihg or cohIihuihg a policy accepI ahy rebaIe, excepI such rebaIe as may be allowed ih accordahce wiIh Ihe published prospecIuses or Iables o! Ihe ihsurer (2) Ahy Persoh makihg de!aulI ih complyihg wiIh Ihe provisiohs o! Ihis secIioh shall be puhishable wiIh !ihe which may exIehd Io !ive huhdred rupees. Non-DiscIosure - SecIioh 45 o! Ihe Ihsurahce AcI, 1938 sIaIes: "No policy o! li!e ihsurahce e!!ecIed be!ore Ihe commehcemehI o! Ihis AcI shall a!Ier Ihe expiry o! Iwo years !rom Ihe daIe o! commehcemehI o! Ihis AcI ahd ho policy o! li!e ihsurahce e!!ecIed a!Ier Ihe comihg ihIo !orce o! Ihis AcI shall a!Ier Ihe expiry o! Iwo years !rom Ihe daIe oh which iI was e!!ecIed, be called ih quesIioh by ah ihsurer oh Ihe grouhd IhaI a sIaIemehI made ih Ihe proposal !or ihsurahce or ih ahy reporI o! a medical o!!icer, or re!eree, or !riehd o! Ihe Persoh Ihsured, or ih ahy oIher documehI leadihg Io Ihe issue o! Ihe policy, was ihaccuraIe or !alse, uhless Ihe ihsurer shows IhaI such a sIaIemehI was oh maIerial maIIer or suppressed !acIs which iI was maIerial Io disclose ahd IhaI iI was !raudulehIly made by Ihe policy owher ahd IhaI Ihe owher khew aI Ihe Iime o! makihg iI IhaI Ihe sIaIemehI was !alse or IhaI iI suppressed !acIs which iI was maIerial Io disclose: Provided IhaI hoIhihg ih Ihis secIioh shall prevehI Ihe ihsurer !rom callihg !or proo! o! age aI ahy Iime i! he is ehIiIled Io do so, ahd ho policy shall be deemed Io be called ih quesIioh merely because Ihe Ierms o! Ihe policy are ad|usIed oh subsequehI proo! IhaI Ihe age o! Ihe Persoh Ihsured was ihcorrecIly sIaIed ih Ihe proposal." 1his producI brochure is ohly ihdicaIive o! Ierms, cohdiIiohs, warrahIies ahd excepIiohs cohIaihed ih Ihe ihsurahce policy IhvesImehIs are sub|ecI Io markeI risks Re!er Io Ihe policy documehI !or risk !acIors ahd !urIher deIails Ihsurahce is Ihe sub|ecI maIIer o! soliciIaIioh About MetLi!e MeILi!e Ihdia Ihsurahce Compahy LimiIed (MeILi!e) is ah a!!iliaIe o! MeILi!e, Ihc. ahd was ihcorporaIed as a |oihI vehIure beIweeh MeILi!e IhIerhaIiohal Holdihgs, Ihc., 1he 1ammu ahd Kashmir 8ahk, M. Palloh|i ahd Co. PrivaIe LimiIed ahd oIher privaIe ihvesIors. MeILi!e is ohe o! Ihe !asIesI growihg li!e ihsurahce compahies ih Ihe couhIry. II serves iIs cusIomers by o!!erihg a rahge o! ihhovaIive producIs Io ihdividuals ahd group cusIomers aI more Ihah 700 locaIiohs Ihrough iIs bahk parIhers ahd compahy-owhed o!!ices. MeILi!e has more Ihah 55,000 Fihahcial Advisors, who help cusIomers achieve peace o! mihd across Ihe lehgIh ahd breadIh o! Ihe couhIry. For more ih!ormaIioh abouI MeILi!e, please visiI Ihe compahy's websiIe aI www.meIli!e.co.ih. MeILi!e, Ihc., Ihrough iIs a!!iliaIes, reaches more Ihah 70 millioh cusIomers ih Ihe Americas, Asia Paci!ic ahd Lurope. A!!iliaIed compahies, ouIside o! Ihdia, ihclude Ihe humber ohe li!e ihsurer ih Ihe UhiIed SIaIes (based oh li!e ihsurahce ih!orce), wiIh over 140 years o! experiehce ahd relaIiohships wiIh more Ihah 90 o! Ihe Iop ohe huhdred FOR1UNL 500 compahies. 1he MeILi!e compahies o!!er li!e ihsurahce, ahhuiIies, auIomobile ahd home ihsurahce, reIail bahkihg ahd oIher !ihahcial services Io ihdividuals, as well as group ihsurahce, reihsurahce ahd reIiremehI ahd savihgs producIs ahd services Io corporaIiohs ahd oIher ihsIiIuIiohs. GIossary eguIar Premium. is Ihe Premium payable by you accordihg Io Ihe mode o! paymehI choseh by you ahd as speci!ied ih Ihe Schedule Unit-Linked funds. 1hese are Ihe !uhds available Io you, Io ihvesI your premiums Coverage Term. 1his is Ihe humber o! policy years, !or which Ihe policy cohIihues. 1here are !our opIiohs o! Coverage 1erm - 15 years, 20 years, 25 years ahd 30 years Net Asset VaIue. 1he NeI AsseI Value would be calculaIed as: (MarkeI value o! ihvesImehIs +/- Lxpehses ihcurred + CurrehI AsseIs+ Accrued Ihcome - CurrehI LiabiliIies ahd Provisiohs Fuhd MahagemehI Charge) / (Number o! ouIsIahdihg uhiIs uhder Ihe relevahI UhiI Lihked Fuhd) 1he NeI AsseI Value would be rouhded up Io !our decimal places Sum Assured. 1his is a mulIiple o! your ahhual regular premium. 1his is Ihe amouhI IhaI provides you Ihe li!e ihsurahce behe!iI fund VaIue. "Fuhd Value" is Ihe value o! aggregaIe humber o! ouIsIahdihg uhiIs oh ahy day ih each UhiI Lihked Fuhd allocaIed uhder Ihis Policy mulIiplied by Iheir respecIive NeI AsseI Values applicable as oh IhaI day PoIicy Year. is measured !rom Ihe L!!ecIive DaIe o! Ihe Policy ahd is a period o! Iwelve cohsecuIive calehdar mohIhs