Premium Benefit Details For

Quotation No: Q362961

BAJAJ ALLIANZ LIFE INSURANCE COMPANY LTD.

PRODUCT NAME: BAJAJ ALLIANZ FUTURE GAIN
Proposed Insured Name:
PRADIPTA LENKA
Age :36
Gender :Male
test@gmail.com / 9777777777

PRODUCT DETAILS
UIN

116L124V01

Service Tax Rate

14 %

Sum Assured

Rs. 7,20,000

Swachh Bharat Cess

0.5 %

Premium Payment Term

20

Krishi Kalyan Cess

0.5 %

Policy Term

20

Amount of Installment Premium

Rs.4,000

Portfolio Strategy

Wheel Of Life

Premium Frequency

Monthly

RIDER DETAILS
RIDER COVER

RIDER TERM

RIDER SUM ASSURED

FUNDS OPTED FOR

Statement of Various Charges along with growth of the Fund expected over the duration of the policy with assumed
rate of interest as mentioned. (All Charges are in Rupees)

Assuming Gross Interest Rate Of 4% Pa

Policy
Year

Annualized Premium
allocation
Premium charges

Amount
available
for
investment
out of
premiu

Policy
administ
ration
charges

Mortality
charges

Gross Yield
Service
Tax

Guarantee Other
Charges
Charges
(Rider
Charges).

Additional
to
Fund
(If any)

48000

720

47280

409

1216

352

48000

720

47280

429

1213

354

48000

720

47280

451

1208

357

48000

720

47280

474

1199

359

48000

720

47280

497

1182

360

48000

48000

522

1155

252

48000

48000

548

1118

250

Fund
before
FMC

Fund
manage
ment
charges

46274

379

93971

1082

142812

1805

192825

2546

244049

297367

352099

Fund at
year
end

45894

Surrender Death
Value
Benefit

43141

720000

92889

90969

720000

141006

139566

720000

190280

189320

720000

3304

240744

240744

720000

3995

293372

293372

720000

4714

347385

347385

720000

48000

48000

576

1061

245

408295

5428

402868

402868

720000

48000

48000

604

982

238

466043

6138

459905

459905

720000

10

48000

48000

635

869

226

525446

6845

518601

518601

720000

11

48000

48000

666

718

208

586617

7548

579069

579069

720000

12

48000

48000

700

512

182

649693

8249

641444

641444

720000

13

48000

48000

735

238

146

714832

8948

705883

705883

720000

14

48000

48000

771

117

782065

9645

772420

772420

772420

15

48000

48000

810

121

851214

10338

840876

840876

840876

16

48000

48000

850

128

922352

10822

911529

911529

911529

17

48000

48000

893

134

995771

11379

984393

984393

984393

18

48000

48000

938

141

1071487

11911

1059576

1059576

1059576

19

48000

48000

984

148

1149613

12420

1137193

1137193

1137193

20

48000

48000

1034

155

1230268

12903

1217365

1217365

Assuming Gross Interest Rate Of 8% Pa

Policy
Year

Annualized Premium
allocation
Premium charges

Amount
available
for
investment
out of
premiu

Policy
administ
ration
charges

Mortality
charges

Gross Yield
Service
Tax

Guarantee Other
Charges
Charges
(Rider
Charges).

Additional
to
Fund
(If any)

48000

720

47280

409

1216

352

48000

720

47280

429

1209

354

48000

720

47280

451

1197

355

48000

720

47280

474

1174

355

48000

720

47280

497

1135

353

48000

48000

522

1077

240

48000

48000

548

994

48000

48000

576

Fund
before
FMC

Net Yield
Fund
manage
ment
charges

47234

385

97788

1118

151556

1900

208751

2733

269609

335252

231

874

217

Fund at
year
end

46849

6.61
Surrender Death
Value
Benefit

44038

720000

96670

94750

720000

149655

148215

720000

206018

205058

720000

3618

265990

265990

720000

4465

330787

330787

720000

405266

5376

399890

399890

720000

479976

6321

473655

473655

720000

48000

48000

604

707

197

559772

7303

552469

552469

720000

10

48000

48000

635

475

166

645096

8322

636774

636774

720000

11

48000

48000

666

163

124

736443

9383

727060

727060

727060

12

48000

48000

700

105

834071

10486

823585

823585

823585

13

48000

48000

735

110

938235

11630

926605

926605

926605

14

48000

48000

771

116

1049410

12816

1036594

1036594

1036594

15

48000

48000

810

121

1168108

14045

1154063

1154063

1154063

16

48000

48000

850

128

1294891

15040

1279851

1279851

1279851

17

48000

48000

893

134

1430650

16180

1414470

1414470

1414470

18

48000

48000

938

141

1575943

17337

1558607

1558607

1558607

19

48000

48000

984

148

1731513

18509

1713004

1713004

1713004

20

48000

48000

1034

155

1898161

19694

1878466

1878466

IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATION
PURPOSE

NOTES:
1

Please consult your 'Insurance Consultant' for any clarifications on this illustration.

Unit Linked Life insurance Products are different from the traditional insurance products and are subject to the risk factors.

All benefits payable under the Policy are subject to the tax laws and other financial enactments, as they exist from time to time.

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of the opted investment funds. If
the policy offers guaranteed returns, then these will be clearly marked 'Guaranteed' in the illustration table. If the policy offers variable returns,
then the illustrations will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed
and they are not the upper and lower limits of what you might get back as the value of your policy is dependent on a number of factors
including future investment performance.

The Regular Premium and Top Up Premium, if any, paid is subject to investment risks associated with capital markets and Unit Prices may
go up and down based on the performance of the underlying assets in the Funds and the factors influencing the Capital market and the Life
Assured/ Policyholder is responsible for his/ her decisions.

'Bajaj Allianz Life insurance' is the name of the company & 'Bajaj Allianz Future Gain' is only the name of the Plan and does in no way
indicate the quality of the policy, its future prospects or returns.

The guaranteed death benefit is 105% of the sum of all regular premiums and the top-up premiums (if any) paid till the date of death.

The Company declares that the mortality charges is subject to underwriting of proposal, and may change before the acceptance of risk. The
company further declares that the proposal deposit receipt given herein does not bind the company to accept the risk.

The mortality charges, rider charges & policy administration charges, if any, are deducted through cancellation of units. Policy Administration
Charge: Rs.33.33 per month from 1st policy year inflating @ 5% p.a. every month.

10

Fund Management Charge will be adjusted in the unit price. Fund Management charge would be 1.35% for Equity Growth Fund II,Accelerator
Mid Cap Fund II and Pure Stock Fund. 1.25% for Asset Allocation Fund II and Bluechip Equity Fund .0.95% for Liquid Fund and Bond Fund.
0.50% for Discontinuance Life Policy Fund.

11

Equity Growth Fund II,Accelerator Mid Cap Fund II, Pure Stock Fund, Asset Allocation Fund II,Bluechip Equity Fund, Liquid Fund, Bond Fund
are the name of the Funds being offered currently with Bajaj Allianz Future Gain and in any manner does not indicate the quality of the Fund,
their future prospects or returns.

12

Segregated Fund Identification Number (SFIN) of the funds offered with this product are given below:
FUND

SFIN No

Equity Growth Fund II

ULIF05106/01/10EQTYGROW02116

Accelerator Mid Cap Fund II

ULIF05206/01/10ACCMIDCA02116

Pure Stock Fund

ULIF02721/07/06PURESTKFUN116

Asset Allocation Fund II

ULIF07205/12/13ASSETALL02116

Bluechip Equity Fund

ULIF06026/10/10BLUECHIPEQ116

Liquid Fund

ULIF02510/07/06LIQUIDFUND116

Bond Fund

ULIF02610/07/06BONDFUNDLI116

Bond Fund

ULIF07026/03/13DISCONLIFE116

13

The past performance of any of the funds of the company is not indicative of the future performance of the fund.

14

Discontinuance/ Surrender Charge as applicable in Regular Premium Units in this policy is given below. It is applicable when regular premium
under the policy is discontinued or the policy is surrendered.
Policy year

Annual Premium(AP) up to 25000/

Annual Premium(AP) above 25000/

Lower of 20%* (AP, Regular Premium FV)

subject to maximum of Rs. 3,000

Lower of 6%* (AP, Regular Premium Premium FV)

subject to maximum of Rs. 6,000

Lower of 15%* (AP, Regular Premium FV)

subject to maximum of Rs. 2,000

Lower of 4%* (AP, Regular Premium FV) subject to

maximum of Rs. 5,000

Lower of 10%* (AP, Regular Premium FV)

subject to maximum of Rs. 1500

Lower of 3%* (AP, Regular Premium FV) subject to

maximum of Rs. 4000

Lower of 5%* (AP, Regular FV) subject to

maximum of Rs. 1000

Lower of 2%* (AP, Regular Premium FV) subject to

maximum of Rs.2000

NIL

NIL

5& above

15

Full surrender of the policy is allowed anytime from the date of commencement of the Policy.On surrender during the first 5 years, the
Regular Premium Fund Value less the Discontinuance Charge plus the Top Up Premium Fund Value, if any, will be transferred to the

Discontinued Life Policy Fund and the surrender value is equal to the discontinuance value at the end the lock-in period of 5 years and is
payable at the end of lock-in period & on Surrender from 6th policy anniversary, the Surrender Value is equal to regular premium fund value
plus top up premium fund value, if any, at the prevailing unit price of the fund.
16

There is no surrender charge on surrender of Top Up Premium Units.

17

Indicated Surrender value is not Guaranteed.

18

Other Charges include Rider Premium Charge, if any.

19

Charges under the policy are subject to applicable Service Tax & cess, and will be deducted by cancellation of units.

20

Addition to Fund implies Guaranteed Addition, if any.

21

The rate of return illustrated for various funds are shown at 4% and 8% in conformation with the guidelines on illustrations set by the IRDA,
and should not be construed as forecast.

Returns demonstrated are net of all charges.

Please see the product brochure for details about the product.

Insurance is the subject matter of the solicitation.

I declare that I have read the terms and conditions and understood the above Benefit Illustrations.

GLOSSARY OF CHARGES
1

Premium Allocation Charge :

This is a charge levied as a percentage of premium, when premium is actually paid. This charge may vary by size of premium, policy year in
which premium is due for payment and type of premium; whether it is regular premium or top up premium. The balance of premium (net of
premium allocation charge) is used to allocate units in policyholders unit account.

Fund Management Charge :

This is a charge levied as percentage of net asset value on each investment fund and is adjusted in the unit price of the respective
investment fund when unit price is calculated. This charge may vary by type of investment fund.

Policy Administration Charge :

This charge is expressed as a fixed amount or percentage of regular premium or percentage of sum assured, which may increase at certain
rate of inflation in future.The policy administration charge is deducted through redemption of unit at the prevailing unit price, from the
policyholders unit account at monthly intervals.

Mortality Charge :
This charge is levied to provide the life insurance benefit. This charge is applied either on sum assured or sum assured less fund value
depending upon whether minimum death benefit is sum assured or higher of the sum assured and fund value, respectively.This charge is
provided separately in annexure and may vary by policy year in which such charge is due for deduction, attained age, gender and whether
any extra premium is chargeable due to health or occupation.The Mortality Charge is recovered through redemption of units at the prevailing
unit price, from the policyholders unit account, at monthly intervals or may be deducted upfront from the premium.

Rider Premium Charge :

This charge is levied to recover the cost of additional rider benefits and is provided separately. This charge may vary by policy year in which
such charge is due for deduction, attained age, gender and whether any extra premium is chargeable due to health or occupation.The Rider
Premium Charge is recovered through redemption of units at the prevailing unit price, from the policyholders unit account, at monthly
intervals.

Surrender /Discontinuance Charge :

This charge is levied on the fund value of the policy on discontinuance of premium. This charge is expressed as a percentage of fund value,
as a percentage of the premiums and as a fixed amount as specified by IRDA varying by policy year.

Guarantee Charge :
This charge is levied as a percantage of net asset value on the investment fund and is adjusted in the unit price of the repective fund when
the unit price of the fund is calculated.This charge may vary by the plan variants, if any.

Bajaj Allianz Life Insurance Company Limited, GE Plaza,Airport Road, Yerawarda,pune-411 006.
Tel: (020) 66026777 | Fax: (020) 66026789 | Email: life@bajajallianz.co.in | www.bajajallianzlife.com