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

C A N A R A H S B C L I F E I N S U R A N C E

WEALTH EDGE
A Unit Linked Individual Savings Life Insurance Plan

Back your life’s innings with a plan

that scores on wealth growth and life cover.
Create your legacy with the flexibility of time with Wealth Edge.

Key Benefits:

Return of
Mortality Charges

Systematic Withdrawal
Option (SWO) and Milestone
Withdrawal Option (MWO)

Choice of Investment
Strategy Options

Life Cover +
Wealth Builder

CONTACT YOUR RELATIONSHIP MANAGER FOR MORE INFORMATION

For more information: 1800-103-0003/1800-891-0003

Canara HSBC Life Insurance | Promises ka Partner
The Unit Linked Insurance Products do not offer any liquidity during the first five years of contract. The Policyholder will not be able
to surrender/withdraw the monies saved in Unit Linked Insurance Products completely or par�ally �ll the end of the fi�h year.
Purchase of any insurance products by a bank's customer is purely voluntary and is not linked to availment of any other facility from
the bank.
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 Canara HSBC Life Insurance Wealth Edge
A Unit Linked Individual Saving Life Insurance Plan

You've always lived a life marked with success, greatness and convic�on. As a successful individual you are
accustomed to the best that life has to offer. It only makes sense for you to demand that your financial
opportuni�es live up to your high standards and you ensure that your family is financially secure in your
absence. You require a financial solu�on that lives up to your standards along with the added shield of life
insurance to protect you and your family any uncertain�es.

Presen�ng Canara HSBC Life Insurance Wealth Edge, a Unit Linked Individual Savings Life Insurance Plan,
designed as per your needs. This plan recognizes the importance of your life goals and helps you fulfil them
along with the added shield of life insurance to protect you and your family against any uncertain�es in the
future. It empowers you to deliver the promises you have made to your near and dear ones.

This product will also be available for sale through online channel.

Key Highlights of the Plan

Life Insurance Protec�on:

Safeguard your family, throughout the Policy Term.

Mul�ple Plan Op�ons:

Three Plan Op�ons to choose from: ‘Invest Plus’, ‘Premium Plus’ or ‘Life Plus’ for different life stages

Choice of Investment Strategy Op�ons

Select an investment strategy basis your financial needs and goals
 Systema�c Transfer Op�on (STO) enables you to systema�cally invest in the equity
market and reduces your risk
 Return Protector Op�on (RPO) helps you safeguard your returns against market vola�lity
 Auto Funds Rebalancing Op�on (AFR) helps you maintain your desired fund alloca�on
and book the poten�al gains from the market
 Safety Switch Op�on (SSO) enables an automa�c asset alloca�on based on when you
want to achieve your goal
 Loss Protector Strategy (LPS) helps you minimize your losses in case of a market
downturn

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 Enhance your corpus by staying longer: Get rewarded
for staying invested longer with Loyalty Addi�ons &
Wealth Boosters

Return of Mortality Charges: Mortality Charges

deducted during the Policy Term will be added back to
your fund value at maturity

Enjoy recurring income from your accumulated fund:

Facility to access your accumulated wealth as per your
needs with Systema�c Withdrawal Op�on
(SWO)/Milestone Withdrawal Op�on (MWO)

Choice of funds: Choose from a range of 11

diverse fund op�ons

High Premium Benefits: Give your investments the

advantage of lower premium alloca�on charge by
op�ng for a higher premium amount

Enhanced Flexibility - Op�on to alter your premiums,

premium payment term, policy term and sum assured
basis your changing financial needs

Convenient policy and premium payment term

op�ons- Flexibility to customise your premium
payment op�ons - pay premiums one-�me or for a
limited period or for the en�re Policy Term

Avail Tax Benefits: Tax benefits may be available as per

prevailing tax laws

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Plan Op�ons
Depending on your life-stage needs, you can choose one out of the three Plan Op�ons, available in this Plan:

Invest Plus:
Provides life coverage during the Policy Term and the
accumulated fund value at maturity.

Premium Plus:
Takes care of all your responsibili�es even in your
absence. In case of your unfortunate death during the
Policy Term your Nominee will receive the Lump Sum
Death Benefit. All future premiums will be waived and
the Nominee will receive the Fund Value, if any, at the
policy maturity date which shall take care of financial
security of your family and also helps your family in
accumula�ng wealth.

Life Plus:
A right combina�on of re�rement planning for you is
to not only build a corpus for your golden years, but
also to make sure that you leave a financial legacy for
your loved ones. This plan op�on offers you to build a
corpus for your golden years while having life
insurance for whole life (i.e. �ll 99 years of age)

Plan Op�on once chosen at incep�on cannot be altered during the policy term.
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PLAN AT A GLANCE

Eligibility Conditions Invest Plus

Entry Age as on Last 0 years to 70 years

Birthday

Maturity Age 18 years to 80 years

For Single Pay

SA Age at entry PT
Cover Multiple (in years) (in years)
1.1x 50-70 5 to 30
1.25x Less than 50 5 to 30

For Limited Pay

Age at entry PPT PT

(in years) (in years) (in years)
Policy Term (PT) and
0 – 55 5/7/10/15/20/25 10 to 30
Premium Payment
7/10/15 10 to 20
Term (PPT) 56 – 60
5 10 to 15
61– 65 7/10/15 10 to 15

For Regular Pay

Age at entry PPT PT

(in years) (in years) (in years)
0 - 70 Same as PT 10 to 30

Age at entry (in years) - Less than 50

For Limited Pay/Regular Pay - 7 times the Annualized Premium

For Single Pay – 1.25 times the Single Premium
Minimum Sum Age at entry (in years) - 50 to 70
Assured Multiple
For Limited Pay/Regular Pay - 5 times the Annualized Premium
For Single Pay – 1.10 times the Single Premium
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 Age at entry Limited Regular Single
(in years) Pay Pay Pay
PT <=20 years PT > 20 years
Maximum 0-30 40 40 40 10
Sum Assured 31-40 25 20 40 10
Multiple 41-45 20 15 30 10
46-47 15 10 20 10
47+ 10 10 10 1.25

Premium Minimum Maximum

Payment Mode (Rs.) (Rs.)
Annualized Premium/ Yearly 1,25,000 per annum
Single Premium Half-Yearly 75,000 per half-year
Quarterly 43,750 per quarter No Limit
Monthly 16,667 per month
Single 1,25,000

Premium
Single, Annual, Semi-Annual, Quarterly and Monthly
Payment Mode

Eligibility Conditions Premium Plus

Entry Age as on Last 18 years to 50 years

Birthday

Maturity Age 28 years to 80 years

For Limited Pay

Policy Term (PT) and Age at entry PPT PT

Premium Payment (in years) (in years) (in years)
Term (PPT) 10/15/20/25 15 to 30
18 - 50
5/7 10 to 15
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 For Regular Pay

Age at entry PPT PT

(in years) (in years) (in years)
18 - 50 Same as PT 10 to 30

Age at entry (in years) - Less than 50

7 times the Annualized Premium

Minimum Sum
Age at entry (in years) - 50
Assured Multiple
5 times the Annualized Premium

Age at entry Limited Regular

(in years) Pay Pay

Maximum Sum PT <=20 years PT > 20 years

0-30 40 40 40
Assured Multiple
31-40 25 20 40
41-45 20 15 30
46-47 15 10 20
47+ 10 10 10

Premium Minimum Maximum

Payment Mode (Rs.) (Rs.)
Annualized
Yearly 1,25,000 per annum
Premium
Half-Yearly 75,000 per half-year
No Limit
Quarterly 43,750 per quarter
Monthly 16,667 per month

Premium
Annual, Semi- Annual, Quarterly and Monthly
Payment Mode

Eligibility Conditions Life Plus

Entry Age as on Last 18 years to 70 years

Birthday

Maturity Age Up till age 100 years

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 For Limited Pay

Age at entry PPT PT

(in years) (in years) (in years)

Policy Term 18 - 70 10/15/20/25 100 – Age at entry

(PT) and
Premium
For Regular Pay
Payment
Term (PPT) Age at entry PPT PT
(in years) (in years) (in years)
18 - 70 Same as PT 100 – Age at entry

Age at entry (in years) - Less than 50

7 times the Annualized Premium

Minimum Sum Age at entry (in years) - 50 to 70

Assured Multiple
5 times the Annualized Premium

Age at entry Limited Regular

(in years) Pay Pay
0-30 30 40
Maximum Sum 31-40 20 40
Assured Multiple 41-45 15 30
46-47 10 20
47+ 10 10

Premium Minimum Maximum

Payment Mode (Rs.)
Yearly 1,25,000 per annum
Annualized
Half-Yearly 75,000 per half-year
Premium No Limit
Quarterly 43,750 per quarter
Monthly 16,667 per month

Premium
Annual, Semi- Annual, Quarterly and Monthly
Payment Mode
PPT- Premium Payment Term PT- Policy Term
Single Premium op�on is not available under Premium Plus and Life Plus.
Annualized Premium means the premium amount payable in a year excluding taxes, rider premiums and
underwri�ng extra on riders, if any
Single Premium means the amount of premium payable in lumpsum by you at the incep�on of the Policy.
It excludes taxes, rider premiums and underwri�ng extra premium on riders, if any.
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The premiums & funds are subject to certain charges related to the fund or to the premium paid
The premium shall be adjusted on the due date even if it has been received in advance.

WEALTH EDGE IN FOUR SIMPLE STEPS

Step 1: Choose your Plan Op�on and Premium Amount

Decide the Plan Op�on and Premium Amount that you want to save under this product basis your life-stage and
financial needs.

Step 2: Choose your Premium Payment Term, Policy Term and the Sum Assured Mul�ple
You have the flexibility to choose your Premium Payment Term, Premium Payment Mode and Policy Term basis
your horizon. In addi�on to that you also have the flexibility to choose your Sum Assured Mul�ple basis your
protec�on/insurance needs.

Step 3: Choose your Funds and Por�olio Management Op�on

You can choose from a range of 11 (eleven) different Unit Linked Funds with different risk appe�tes. Further, you
may select one among following 5 different Por�olio Management Op�ons to manage and build on wealth in
an op�mal way:

1 Systema�c Transfer Op�on (STO)

2
Loss
Return Protector Op�on (RPO) Protector
Strategy
(LPS)
Loss Return
Protector Protector
Strategy Portfolio

3
Option (RPO)
Auto Funds Rebalancing (AFR) (LPS) Managme
nt Options

Auto Funds
Safety Switch Rebalancing

4
Option (SSO) (AFR)
Safety Switch Op�on (SSO)

5 Loss Protector Strategy (LPS)

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Sample illustra�ons
Illustra�ve Example 1
Mahesh aged 30 years is a wealthy
businessman and is looking for a
financial solu�on which will help
him expand his business.

He opts for Canara HSBC Life Insurance Wealth

Edge-Invest Plus and opts for regular premium
payment mode with a Policy Term of 15 years
along with a life insurance cover of 10 �mes the
Annualized Premium.

Maturity Benefit: The table below shows maturity values for mul�ple scenarios assuming annual gross
investment return of 4% and 8% with 100% investment in Equity II Fund.

Annualized Total Maturity Benefit (Rs.)

Premium Total Premiums Sum Assured (Fund Value) at the end of 15 years
(Rs) paid (Rs.) (Rs.)
8%## 4%##

2,00,000 30,00,000 20,00,000 50,66,982 36,47,038

5,00,000 75,00,000 50,00,000 1,28,64,880 92,69,281
10,00,000 1,50,00,000 1,00,00,000 2,59,19,821 1,86,75,020

Mahesh, with a disciplined contribu�on, at the end of 15 years is not only able to create a substan�al corpus but
also developed a habit for savings towards a strong financial future.
Death Benefit: : In case of Mahesh’s unfortunate death in the 10th policy year, the death benefit, based on the
assumed annual gross investment returns, are as per the table below.

Annualized Total Premiums Sum Assured

Premium Paid till the date Death Benefit (Rs.)
(Rs) of death (Rs.) (Rs.)
8%## 4%##

2,00,000 20,00,000 20,00,000 27,48,401 22,09,527

5,00,000 50,00,000 50,00,000 69,66,235 56,04,646
10,00,000 1,00,00,000 1,00,00,000 1,40,37,577 1,12,93,579

Illustra�ve Example 2

Kumar, aged 35, is working as a manager in an MNC and is the sole

earning member of the family. He is a proud father and wants to provide
the best educa�on to his 1 year old daughter, Kanika. Kumar wants to
create a fund for his daughter’s safe and secure future which will take
care of her educa�on and marriage even if he is not around tomorrow.

Kumar chooses Canara HSBC Life Insurance Wealth

Edge-Premium Plus and opts for regular premium
payment mode with a Policy Term of 15 years
along with a life insurance cover of 10 �mes the
Annualized Premium.

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Maturity Benefit: The table below shows maturity values with mul�ple scenarios assuming annual gross
investment return of 4% and 8% with 100% investment in an Equity II Fund.

Annualized Total Maturity Benefit (Rs.)

Premium Total Premiums Sum Assured (Fund Value) at the end of 15 years
(Rs) paid (Rs.) (Rs.)
8%## 4%##

2,00,000 30,00,000 20,00,000 49,91,322 35,99,026

5,00,000 75,00,000 50,00,000 1,26,75,520 91,49,135
10,00,000 1,50,00,000 1,00,00,000 2,55,40,757 1,84,34,554

Death Benefit: In case of Kumar’s unfortunate death at the end of 10th policy year:
 Lump sum death benefit is payable to take care of any immediate financial needs.
 Remaining future premiums are waived and would be funded by the Company - ensuring that Kumar’s
savings for his daughter’s safe future con�nues without any barriers.
 The Fund Value would be paid on maturity of the Policy.

Annualized Total Premiums Total Premiums Lump Sum Maturity Benefit (Rs.)
Premium paid by the funded by the paid on Death (Fund Value) at the end of 15 years
(Rs) customer (Rs.) company (Rs.) (Rs.)
8%## 4%##

2,00,000 20,00,000 10,00,000 20,00,000 50,08,611 36,12,119

5,00,000 50,00,000 25,00,000 50,00,000 1,27,18,743 91,81,869
10,00,000 1,00,00,000 50,00,000 1,00,00,000 2,56,27,205 1,85,00,023

Illustra�ve Example 3

Seema, aged 40 years plans to lead a long

and healthy life. She wants to leave a
financial legacy for the next genera�ons of
her family.

She opts for Canara HSBC Life Insurance Wealth

Edge-Life Plus. She opts for limited premium
payment mode with a Premium Payment Term of 15
years along with a life insurance cover of 10 �mes
the Annualized Premium.

Maturity Benefit: The table below shows fund values for mul�ple scenarios at age 100 years assuming annual
gross investment return of 4% and 8% with 100% investment in Large Cap Advantage Fund.

Annualized Total Maturity Benefit (Rs.)

Premium Total Premiums Sum Assured (Fund Value)at the age 100 years
(Rs) paid (Rs.) (Rs.)
8%## 4%##

2,00,000 30,00,000 20,00,000 10,76,32,825 1,39,72,608

5,00,000 75,00,000 50,00,000 27,66,07,606 3,65,85,606
10,00,000 1,50,00,000 1,00,00,000 55,95,09,820 7,44,17,491
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Death Benefit: In case of Seema’s unfortunate death in the 25th policy year, the death benefit, based on the
assumed annual gross investment returns, are as per the table below.

Annualized Total Premiums Sum Assured

Premium Paid till the date Death Benefit (Rs.)
(Rs) of death (Rs.) (Rs.)
8%## 4%##

2,00,000 30,00,000 20,00,000 99,12,535 48,71,003

5,00,000 75,00,000 50,00,000 2,53,26,363 1,25,09,559
10,00,000 1,50,00,000 1,00,00,000 5,11,32,647 2,52,89,101

Illustra�ve Example 4

Akhil aged 25 years is a salaried

individual and is looking for a
financial solu�on which will help
him save for his dream home.

He opts for Canara HSBC Life Insurance Wealth

Edge-Invest Plus and opts for regular premium
payment mode with a Policy Term of 20 years, monthly
premium payment mode along with a life insurance
cover of 10 �mes the Annualized Premium.

Maturity Benefit: The table below shows maturity values for mul�ple scenarios assuming annual gross
investment return of 4% and 8% with 100% investment in Equity II Fund.

Annualized Sum Total Total Maturity Benefit (Rs.)

Premium Assured Premiums (Fund Value) at the end of 20 years
(Rs) (Rs.) Paid (Rs.)
8%## 4%##

2,40,000 24,00,000 48,00,000 97,67,516 63,45,201

6,00,000 60,00,000 1,20,00,000 2,47,70,552 1,61,03,432
12,00,000 1,20,00,000 2,40,00,000 4,98,71,626 3,24,16,129

Death Benefit: In case of Akhil’s unfortunate death in the 12th policy year (6th month of the 12th policy year), the
death benefit, based on the assumed annual gross investment returns, are as per the table below.

Annualized Total Sum

Premium Premiums Assured Death Benefit (Rs.)
(Rs) Paid (Rs.) (Rs.)
8%## 4%##

2,40,000 27,60,000 24,00,000 34,50,814 27,90,943

6,00,000 69,00,000 60,00,000 87,35,939 70,68,748
12,00,000 1,38,00,000 1,20,00,000 1,75,94,497 1,42,34,884
The assumed rates of return (4% p.a. and 8% p.a.) shown in the above illustra�ve examples of different
##

scenarios are not guaranteed and they are not the upper or lower limits of what you might get back as the value
of your Policy depends on a number of factors including future investment performance. The Fund Values
shown in the above illustra�ve example are a�er deduc�on of all charges including applicable Goods and
Services Tax & applicable cess (es)/levy, if any, (@18%).
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Benefits In Detail
Death Benefit
In case of unfortunate demise of the Life Assured, the Death Benefit will be payable as per the Plan Op�on
chosen by you and will be paid to the Nominee. The death benefit under each Plan Op�on will be as follows:

Plan For In-Force For Reduced

Op�on Policy Paid-up1
Policy

Higher of: Higher of:

i. Sum Assured less par�al i. Paid-up Sum Assured less par�al
withdrawals/withdrawals under withdrawals/withdrawals under
MWO/withdrawals under SWO, if any, MWO/withdrawals under SWO, if any,
in the preceding two years, or in the preceding two years, or
Invest Plus ii. Fund Value as on date of in�ma�on of ii. Fund Value as on date of in�ma�on of
death claim, or death claim, or
iii. 105% of all Premiums paid up to the iii. 105% of all Premiums paid up to the
date of death date of death
The Policy shall terminate on payment of The Policy shall terminate on payment of
the Death Benefit. the Death Benefit.

Plan For In-Force For Reduced

Op�on Policy Paid-up1
Policy

Higher of the following will be payable as Higher of:

a lump sum: i. Paid-up Sum Assured or
i. Sum Assured, or ii. 105% of all Premiums paid up to
ii. 105% of total premiums paid up to the date of death)
the date of death. Plus Fund Value as on date of in�ma�on
Premium Funding Benefit will also
2
of death claim will be payable.
become payable. All the charges, except The Policy shall terminate a�er the
Mortality charges and Premium Funding payment of any of the above benefits.
Benefit charges, shall con�nue to be
deducted from the unit account un�l
Premium Plus3 maturity of the Policy. At maturity, Fund
Value is payable as a lump sum or as per
Se�lement Op�on chosen by the
Policyholder before death.
Sum Assured payable on death under
this benefit op�on is not reduced by the
par�al withdrawals/withdrawals under
Systema�c Withdrawal
Op�on/withdrawals under Milestone
Withdrawal Op�on made prior to the
death of the Life Assured.
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 Plan For In-Force For Reduced
Op�on Policy Paid-up1
Policy

Higher of: Higher of:

i. Sum Assured less par�al i. Paid-up Sum Assured less par�al
withdrawals/withdrawals under withdrawals/withdrawals under
MWO/withdrawals under SWO, if any, MWO/withdrawals under SWO, if
in the preceding two years, or any, in the preceding two years, or
Life Plus ii. Fund Value as on date of in�ma�on of ii. Fund Value as on date of in�ma�on
death claim, or of death claim, or
iii. 105% of all Premiums paid up to the iii. 105% of all Premiums paid up to
date of death the date of death
The Policy shall terminate on payment of the The Policy shall terminate on payment of
Death Benefit. the Death Benefit.

If the death of the Life Assured occurs where the Policy is in Discon�nuance state due to non-payment of
Premium before the end of the Lock-in Period, the proceeds of the Discon�nued Policy Fund, as on date
of in�ma�on of death claim will be payable. The Policy will terminate upon such payment.
Note:
1. Paid-up Sum Assured= Sum Assured x Number of Premiums Paid/Number of Premiums Payable.
2. Premium Funding Benefit (PFB) refers to the Company funding all the future Premiums payable by the
Policyholder on or a�er date of death of the Life Assured, as and when due, un�l the end of Premium
Payment Term, in the same premium payment mode as last chosen by the Policyholder. The Premiums
funded by the Company shall be invested in various unit linked funds in the same alloca�on propor�on as
last chosen by the Policyholder. PFB ceases when the Policy enters Discon�nuance or Reduced Paid-up state
and no charges for the ceased benefit shall be deducted un�l the benefit stands revived.
3. Under Premium Plus, a�er the death of Life Assured, the Nominee will have limited rights only to the extent
of making requests for change of address and contact details and receiving the Maturity Benefit under the
Policy in the manner as opted by the Policyholder. The Nominee will not be able to alter or opt out of any
fund related op�ons (Systema�c Withdrawal Op�on, Milestone Withdrawal Op�on, Premium Redirec�on,
Switching, Par�al withdrawal, Systema�c Transfer Op�on, Return Protector Op�on, Auto Fund Rebalancing,
Safety Switch Op�on, Se�lement Op�on, Surrender etc.) as chosen by the Policyholder before their death.
Maturity Benefit
On Maturity of the Policy, following benefits are payable under the three Plan Op�ons:
• Invest Plus and Life Plus: In case the Life Assured survives �ll the maturity of the Policy, Fund Value as on
the date of maturity is payable and the Policy will terminate upon payment of such benefit.
• Premium Plus: Fund Value as on the date of maturity is payable to the Life Assured, if the Life Assured is
alive or to the Nominee(s), if the Life Assured is not alive.
You also have the op�on to receive Maturity Benefit as a structured payout using Se�lement Op�on.
Addi�ons In The Fund
Loyalty Addi�ons
This plan offers fund value related Loyalty Addi�ons from the 6th policy year. These Loyalty Addi�ons, equal to
0.5% of the average Fund Value of last 12 monthly policy anniversaries, will be added to the fund at the end of
every policy year star�ng from 6th policy year �ll the end of the Policy Term, provided all the due premiums are
received �ll that �me.
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Wealth Boosters
In addi�on to the Loyalty Addi�ons, this plan offers Wealth Boosters from the end of the 10th policy year as
per the table below which will be added to the fund, provided all the due premiums are received �ll that �me.

At the Wealth Booster (as a percentage of the average

end of Fund Value of the last 60 monthly Policy
Anniversaries)
10thPolicy Year 2.90%
15th Policy Year and
therea�er at the end of 1.50%
every 5 Policy Years

Return of Mortality Charge

An amount equal to the total of all the Mortality Charges deducted during the Policy Term will be added to the
Fund Value at the maturity date, provided all due premiums have been received �ll the maturity date, subject
to following condi�ons:
• The amount payable under the Return of Mortality Charge feature shall exclude any addi�onal charges in
respect of mortality that are deducted due to the Life Assured being sub-standard life on grounds of health
or is a higher risk for factors other than health such as occupa�on, etc.
• The amount payable under the Return of Mortality Charge feature shall exclude Goods and Service Tax and
applicable cess (es), if any, that have been deducted with respect to mortality charges.
• The amount of Return of Mortality Charge will be added in the same propor�on as the value of total units
held in the unit linked funds at maturity. Unit Price as on the maturity date will be used for the uni�za�on.
• Return of Mortality Charge is not applicable in case of Single Premium Policies, Surrendered, Discon�nued or
Reduced Paid-up policies.

Fund Op�ons
This Plan gives you the flexibility to manage & control the savings in your own way. Here you can choose from
a range of 11 Unit Linked Funds. You can choose to allocate your Premiums to any, all or a combina�on of the
Unit Linked Funds as per your risk preference.
The investment and risk profile of each Unit Linked Fund is described below:

Fund Name Fund Philosophy Asset Alloca�on Risk Profile

To generate long term capital Equity* 60%-100%

Emerging
Leaders apprecia�on through investments Debt Securi�es - High
Equity Fund predominantly in mid cap stocks Money Market & Others^ 0%-40%

To generate capital apprecia�on

in the long term through equity Equity* 60%-100%
India Mul�-Cap investments by inves�ng in a
Debt Securi�es - High
Equity Fund diversified por�olio of Small Cap,
Mid Cap and Large Cap Money Market & Others^ 0%-40%
companies

To generate long-term capital Equity* 60%-100%

Equity apprecia�on from ac�ve
Debt Securi�es - High
II Fund management of a por�olio
invested in diversified equi�es Money Market & Others^ 0%-40%
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 Generate long term capital
Midcap apprecia�on through tracking Equity* 70%-100%
Momentum Ni�y Midcap 150 Momentum 50 High
Debt Securi�es -
Growth index and generate returns
Index Fund@ similar/closer to same, subject to Money Market & Others^ 0%-30%
tracking error.

To achieve capital apprecia�on by Equity* 50%-90%

Growth Plus inves�ng predominantly in Medium
Debt Securi�es 10%-50% to High
Fund equi�es, with limited investment
in fixed income securi�es Money Market & Others^ 0%-40%

To generate capital apprecia�on

Equity* 30%-70%
and current income, through a
Balanced Debt Securi�es 30%-70% Medium
judicious mix of investments in
Plus Fund
equi�es and fixed income Money Market & Others^ 0%-40%
securi�es

Large Cap To generate long term capital Equity* 90-100%

Advantage apprecia�on through investments Debt Securi�es - High
Fund predominantly in large cap stocks
Money Market & Others^ 0-10%

To earn regular income by Equity* - Low

Debt Fund inves�ng in high quality debt Debt Securi�es 60%-100% to
securi�es Medium
Money Market & Others^ 0%-40%

To generater reasonable returns Equity* -

Liquid Fund to commensurate with low risk Low
Debt Securi�es 0%-60%*
and a high degree of liquidity
Money Market & Others^ 40%-100%

To generate long Term capital

apprecia�on through investment in Equity* 60%-100%*
India equity and equity related securi�es
Manufacturing Debt Securi�es - High
predominantly in companies
Fund
engaged in manufacturing and Money Market & Others^ 0%-40%
industrial ac�vi�es.

Equity* 70%-100%
Mul�cap Generate returns similar/closer to
Momentum NIFTY 500 Mul�cap Momentum Debt Securi�es - High
Quality Index Quality 50 index, subject to
Fund tracking error.
Money Market & Others^ 0%-30%

* All such equity related securi�es as may be permi�ed from IRDAI from �me to �me.
^Others will include investments in Liquid Mutual Funds, FDs and other short term investments.

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Fund Management Strategies
• Systema�c Transfer Op�on (STO)
If you want to invest in an equity oriented fund but worry about market vola�lity and risk associated with
lump sum investment, then you can opt for STO which enables you to enter the equity market in a systema�c
manner. Through STO, your en�re annual/single allocable Premium (a�er deduc�on of applicable charges) will
be first allocated to the Liquid Fund ('Source STO Fund') and then systema�cally transferred on a monthly
basis into any one of the Unit Linked Funds ('Target STO Fund') as chosen by you as per the below Table. While
STO is opera�onal, you are not allowed to change your 'Target STO' Fund. Source STO Fund and Target STO
Fund would together be referred to as STO Funds.

Source Target
STO Fund STO Fund
Choose one Unit Linked Fund out of above four Unit Linked Funds:
• Equity II Fund
Liquid Fund • India Mul�-Cap Equity Fund
• Emerging Leaders Equity Fund
• Large Cap Advantage Fund

Under this op�on, during the Premium Payment Term, the Fund Value available in the ‘Source STO Fund’ at
the beginning of each month shall be switched to 'Target STO Fund' by cancelling units in the ‘Source STO
Fund’ and purchasing units in the 'Target STO Fund' �ll the availability of units in the Liquid Fund, in the
following manner:

Policy Month Transfer of units from ‘Source STO Fund’

Policy Month 1: 1/12 of the units available at the beginning of Policy month 1
Policy Month 2: 1/11 of the units available at the beginning of Policy month 2
......................
Policy Month 6: 1/7 of the units available at the beginning of Policy month 6
.......................
Policy Month 11: 1/2 of the units available at the beginning of Policy month 11
Policy Month 12: Balance units available at the beginning of Policy month 12

In case of Single Premium policy, the STO will be opera�onal only during the first Policy Year.
STO shall be subject to the following condi�ons:.
1. This op�on can be availed at Policy Commencement Date or at any Policy Anniversary with prior
request, submi�ed at least 30 days before the Policy Anniversary. Once STO request is accepted, the
STO shall be effec�ve from the Policy Anniversary immediately following the receipt of such request.
2. STO can be opted/re-opted only when Premiums are paid in annual mode and will be opera�onal
during the Premium Payment Term only, provided due premium has been paid. STO cannot be opted
once all Premiums payable under the Policy have been paid.
3. Any amount remaining in other than STO Funds will con�nue to remain invested in those Funds.
Switching can be done among the Unit Linked Funds which are not STO Funds
4. STO can be opted out at any �me during the Premium Payment Term, which shall be effec�ve from the
following Monthly Policy Anniversary.
5. STO cannot be exercised simultaneously with either RPO or AFR or LPS except for SSO (other than last
4 Policy Years) and SWO (other than post comple�on of 10 years of PPT) and MWO (other than post
comple�on of 10 years of PT). If You haveConfidential
opted for SSO then during the last 4 Policy Years, STO will
 cease and SSO will become opera�onal. Similarly, if the Policyholder has opted for SWO/MWO, STO
will cease when SWO/MWO becomes opera�onal.
6. The following requests will lead to cessa�on of the STO from the next Monthly Policy Anniversary:
a. Request for change in Premium payment mode or request for Premium redirec�on; or
b. Request to ac�vate AFR, LPS, RPO, SWO (post comple�on of 10 years of PPT), MWO (post
comple�on of 10 years of PT) or SSO (during the last 4 Policy Years only); or
c. Request for par�al withdrawal from Source STO Fund; or
d. Request for switch into or from any of the STO Funds while STO is opera�onal;
7. Once the STO ceases, all future premiums will automa�cally be invested in Target STO Fund unless
specified otherwise.
8. Request for STO cannot be made a�er the death of the Life Assured under Premium Plus.

• Return Protector Op�on (RPO)

This op�on enables you to take advantage of the equity market by protec�ng your gains from the future
equity market vola�lity. Through RPO, your en�re Premium net of applicable charges is invested into any one
of either Large Cap Advantage Fund or India Mul�-Cap Equity Fund or Equity II Fund or Emerging Leaders
Equity Fund, as opted by You ('RPO Fund) and gains made from RPO Fund are automa�cally transferred to a
lower risk Debt Fund so as to create a more stable sequencing of investment returns during the Policy Term.
RPO shall be subject to the following condi�ons:
i. While RPO is opera�onal, the en�re Premiums net of applicable charges ("Net Invested Amount") are
invested into any one of either Large Cap Advantage Fund or India Mul�-Cap Equity Fund or Equity II
Fund or Emerging Leaders Equity Fund ("RPO Fund"), as opted by You. Once opted, the RPO Fund
cannot be changed.
ii. This op�on gives the flexibility to choose any fixed flat target apprecia�on percentage in mul�ple of 1
within a range of 5% to 15% ("Target Apprecia�on"). Once chosen, it cannot be changed while the RPO
is opera�onal.
iii. This op�on can be chosen only at the Policy Commencement Date and will become effec�ve from the
first Policy Anniversary. While RPO is opera�onal, the Fund Value in the RPO Fund will be tracked on
every business day against the Net Invested Amount in RPO Fund as on date. In the event, where the
gain from the RPO Fund becomes equal to or more than the Target Apprecia�on, then such gain will be
transferred to the Debt Fund at the prevailing Unit Price. In case the gain from the RPO Fund is less
than the Target Apprecia�on, the Fund Value will con�nue to remain in the RPO Fund.
iv. RPO will con�nue to be ac�ve in Reduced Paid-up status.
v. RPO cannot be exercised simultaneously with either STO, LPS or AFR except SSO (other than last 4
policy years) SWO (other than post comple�on of 10 years of PPT) and MWO (other than post comple-
�on of 10 years of PT). If SSO is opted, then only during the last 4 policy years, RPO will stop and SSO
will become opera�onal. Similarly, if the Policyholder has opted for SWO/MWO, RPO will cease when
SWO/MWO becomes opera�onal.
vi. The request for Premium redirec�on, switching and par�al withdrawals will result in cessa�on of RPO.
vii. Once RPO is opted out or RPO ceases to exist subject to condi�ons stated above, then it cannot be
re-opted again during the Policy Term.
viii. Once the RPO ceases, all the future Premiums will con�nue to be invested into RPO Fund unless a
request for Premium redirec�on is made.
ix. During the first Policy Year, there will not be any automa�c transfer of investment gains into Debt Fund
even if investment gains from RPO Fund are equal to or more than the Target Apprecia�on.
• Auto Funds Rebalancing (AFR)
If you wish to maintain alloca�on of your savings in a specific propor�on across different Unit Linked Funds,
irrespec�ve of market movements, you can do so through Auto Funds Rebalancing. Once opted, a�er every 3
Confidential
months, it automa�cally rebalances the alloca�on of your savings in various Unit Linked Funds to the alloca-
�on propor�ons chosen by you.
For example, if you wish to stay invested in the ra�o of 50: 25 : 25 in Equity II Fund, Balanced Plus Fund and
Debt Fund; then at the end of every 3 months star�ng from the date of commencement of Auto Funds
Rebalancing, your total Fund Value shall be rebalanced as per the chosen ra�o of 50 : 25 : 25 in Equity II Fund,
Balanced Plus Fund and Debt Fund.
i. You can avail this op�on at incep�on or at any �me later during the Policy Term. However, AFR op�on
can not be opted with Midcap Momentum Growth Index Fund.
ii. AFR will cease to exist in case a switch or premium redirec�on is exercised.
iii. AFR, RPO, LPS and STO cannot co-exist. AFR will also cease to exist when SSO becomes opera�onal.
Any request to opt for STO or RPO or LPS or SSO (during the last 4 Policy Years) will be considered as a
request to opt out of AFR and post such request, AFR will cease to exist.
iv. AFR will con�nue to be ac�ve in Reduced Paid-up status.
v. If par�al withdrawal or withdrawal under MWO or withdrawals under SWO is made while AFR is
opera�onal, AFR will be exercised on the balance of the Fund Value.
vi. The request for ARF cannot be made a�er death of the Life Assured has happened in case Premium
Plus was chosen

• Safety Switch Op�on (SSO)

As the Policy nears maturity, you may want to avoid market vola�lity and safeguard your funds. For this, you
can opt for Safety Switch Op�on (SSO) (at incep�on or later on in the Policy Term but at least four years before
the maturity date) and your funds will get shi�ed systema�cally to the rela�vely low risk Liquid Fund at the
beginning of each of the last 4 years of the Policy as per the following schedule:

At start of Fund allocation in funds Liquid Fund

Policy Year “Other than Liquid Fund”* Allocation

T-3 70% 30%

T-2 40% 60%
T-1 10% 90%
T 0% 100%

*Amounts in “Other than Liquid Fund” mean total Fund Value with respect to the Policy in Large Cap Advan-
tage Fund, Emerging Leaders Equity Fund, India Mul�-Cap Equity Fund, Equity-II Fund, Growth Plus Fund,
Balanced Plus Fund and Debt Fund.
Where “T” is Policy Term.
When the Safety Switch Op�on becomes opera�onal, the Company shall allocate your exis�ng funds to Liquid
Fund only if the exis�ng alloca�on in the Liquid Fund is less than the respec�ve percentage of alloca�on as
specified above. For rebalancing, the total fund value (including amounts in Liquid Fund and other investment
funds) will be considered. The amounts, if any in the “Other than Liquid Fund” category will remain in the
same propor�on both before and a�er the SSO related rebalancing.
SSO shall be subject to the following condi�ons:
i. The Safety Switch Op�on will be available only under Invest Plus and Premium Plus. The request for
Safety Switch Op�on cannot be made a�er death of the Life Assured has happened in case Premium
Plus has been chosen.
ii. There will be no charges when units are auto re-balanced from "Other than Liquid Funds" to "Liquid
Fund" as a result of SSO being opera�onal.
iii. Where SSO is opera�onal, switching in or out of the Liquid Fund will cause the SSO to cease.
Confidential
 iv. If par�al withdrawal or withdrawal under MWO or withdrawal under SWO is made while SSO is
opera�onal, SSO will be exercised on the balance of the Fund Value.
v. Where SSO is opera�onal, a request for redirec�on of Premium will make the SSO ineffec�ve.
vi. SSO can be opted if any of STO/RPO/AFR/LPS are opera�onal, however during the last 4 policy years
when SSO gets opera�onal, STO/RPO/AFR/LPS will cease to exist. Any request to ac�vate STO/RPO/A-
FR/LPS in the last 4 policy years will make the SSO ineffec�ve.
vii. SSO will con�nue to be ac�ve in Reduced Paid-up status.

• Loss Protector Strategy (LPS)

This investment strategy is well suited for risk averse customers who would want to minimize the losses in
case of downturn in market by transferring the units from high risk to low risk funds. This will enable the
Policyholder to protect their money from market vola�lity. It will help them reduce the damage to the fund in
case the market dips.
LPS shall be subject to the following condi�ons:
i. You can opt to choose this op�on either at incep�on or at any �me later in the Premium Payment
Term. It will become effec�ve from the next Policy Anniversary.
ii. While LPS is opera�onal, en�re Premiums net of applicable charges (“Net Invested Amount”) are
invested into any one of either India Mul�-Cap Equity Fund or Equity II Fund or Large Cap Advantage
Fund or Emerging Leaders Equity Fund, as opted by the Policyholder ("LPS Fund"). Once opted, the LPS
Fund cannot be changed.
iii. While LPS is opera�onal, the Fund Value in the LPS Fund will be tracked on every Business Day against
the Net Invested Amount in LPS Fund as on date. In the event, where the loss from the LPS Fund
becomes equal to or more than the chosen Deprecia�on Percentage, then units from LPS Fund will be
transferred to the Debt Fund at the prevailing Unit Price. In case the loss in the LPS Fund is less than
the chosen Deprecia�on Percentage, the Fund Value will con�nue to remain in the LPS Fund.
iv. This op�on gives the flexibility to choose any fixed flat Deprecia�on Percentage in mul�ple of 1 within
a range of 10% to 30% (“Deprecia�on Percentage”). Once chosen, it cannot be changed while the LPS
is opera�onal.
v. You can also opt out of this op�on at any�me in the Policy Term. The future triggers will cease to exist
from the date of request.
vi. There is no restric�on on number of �mes to opt for or opt out from Loss Protect Strategy.
vii. LPS will con�nue to be ac�ve in Reduced Paid- up status.
viii. LPS cannot be exercised simultaneously with either STO, RPO or AFR except SSO (other than last 4
policy years) and SWO (other than post comple�on of 10 years of PPT) and MWO (other than post
comple�on of 10 years of PT). If SSO is opted, then only during the last 4 policy years, LPS will stop and
SSO will become opera�onal. Similarly, if the Policyholder has opted for MWO/SWO, LPS will cease
when MWO/SWO becomes opera�onal.
ix. The request for Premium redirec�on, switching and par�al withdrawals will result in cessa�on of LPS.
x. Once the LPS ceases, all the future Premiums will con�nue to be invested into LPS Fund unless a
request for Premium redirec�on is made.

Enhanced Flexibili�es
1. Milestone Withdrawal Op�on (MWO)
MWO is a systema�c par�al withdrawal facility. In this op�on, at the end of the 10th Policy Year and every 5th
year therea�er (excluding the milestone coinciding with the Policy maturity date), 20% of the available fund
value on the date of payment will be given to the Policyholder subject to Life Assured a�aining 18 years of age
as on the date of the payout.
The availability/opera�on of this op�on will be subject to the following condi�ons:
i. The MWO payout will be paid by redeeming units from the funds in the same propor�on as the Fund
Confidential
 Value in each fund and will be redeemed at the unit price applicable on the date of each MWO payout.
ii. Only one of ‘Milestone Withdrawal Op�on’ or ‘Systema�c Withdrawal Op�on’ can be exercised in a
Policy. Either of the two op�ons can be chosen and changed up to any�me before the payout starts.
Once the payout from either of the op�ons has started, the Policyholder cannot switch his withdrawal
op�on or opt for other withdrawal op�on at the same �me. Policyholder can opt out of this op�on at
any�me even a�er the withdrawals have started but will not be allowed to opt for other withdrawal
op�on available in the Plan.
iii. Resultant Fund Value a�er any withdrawal should be at least 120% of the Annualized Premium payable
in a year at incep�on of the Policy in case of Regular/Limited Premium policies and at least 25% of the
Single Premium in case of Single Premium policies. If any of these condi�ons are triggered at any of the
�mes at which a withdrawal is due under this feature no MWO payout will be made and future with-
drawals under MWO will be stopped. If the customer wants to re-ac�vate this op�on, he/she will have
to give a fresh request for the same.
iv. Only You can select this op�on at the Policy incep�on or any�me later in the Policy Term. However, if
death happens a�er selec�ng this op�on when Premium Plus has been chosen, this op�on will be
exercised at the s�pulated �me.
v. MWO feature can be re-ac�vated or stopped any�me during the Policy Term. However, any re-ac�va-
�on or stopping of this feature will take place only from the milestone Policy Anniversary following the
receipt of the request for the same.
vi. MWO feature can be exercised even if SSO or AFR is opera�onal. Post MWO payout(s), the SSO or AFR
op�on will work on the balance (remaining) fund available in the policy account.
vii. Where STO/RPO/LPS is opera�onal, the same shall cease once MWO becomes opera�onal.
viii. MWO feature can be opted when the Policy is in Reduced Paid-up state.
ix. MWO cannot be exercised during the Se�lement Period.
x. Exercising this op�on does not a�ract any charge.

2. Systema�c Withdrawal Op�on (SWO)

SWO is a systema�c par�al withdrawal facility. Under this op�on, a pre-decided percentage of the fund value
will be withdrawn and paid to the Policyholder at a chosen frequency for the remainder of the Policy Term.
The Policyholder can choose SWO op�on at incep�on or any�me during the Policy Term provided the
outstanding Policy Term is at least 5 years. The availability/opera�on of this op�on will be subject to the
following condi�ons:
i. Premium Payment Term has to be greater than or equal to 10 years.
ii. Life Assured should have a�ained 18 years of age at the �me of payout.
iii. Policyholder can choose from 1% to 12% of the Fund Value to be withdrawn in a Policy Year.
iv. The withdrawals under SWO will start from 11th Policy Year onwards or the Policy Year immediately
following the SWO request, whichever is later.
v. The withdrawals will be payable in arrears in yearly, half yearly, quarterly or monthly mode as chosen
by the Policyholder where the annual percentage chosen for SWO will be split equally across a Policy
Year depending upon the frequency. As an example, if a Policyholder chooses an SWO percentage of
12% for a Policy Year at monthly frequency, then every month, 1% of the Fund Value will be withdrawn
and paid to the Policyholder once the SWO has become opera�onal.
vi. Resultant Fund Value a�er any withdrawal should be at least 120% of the Annualized Premium payable
in a year at incep�on of the Policy. Further, the minimum SWO payout should be at least Rs. 1,000. If
any of these condi�ons are triggered at any of the �mes at which a withdrawal is due under this
feature, the withdrawal will not be affected, no payout will be made and future withdrawals under
SWO will be stopped. If the customer wants to re-ac�vate this op�on, they will have to give a fresh
request for the same.

Confidential
 vii. SWO feature can be re-ac�vated or stopped any�me during the Policy Term provided that for
re-ac�va�on, the outstanding Policy Term is at least 5 years. However, any re-ac�va�on or stopping of
this feature will take place only from the Policy Anniversary following the receipt of the request for
the same.
viii. Only one of ‘Milestone Withdrawal Op�on’ or ‘Systema�c Withdrawal Op�on’ can be exercised in a
Policy. Either of the two op�ons can be chosen and changed up to any�me before the payout starts.
Once the payout from either of the op�ons has started, the Policyholder cannot switch his withdrawal
op�on or opt for other withdrawal op�on. Policyholder can opt out of this op�on at any�me even a�er
the withdrawals have started but will not be allowed to opt for other withdrawal op�on available in
the Plan.
ix. SWO percentage can be changed any�me during the Policy Term, even a�er SWO has become
opera�onal. The change in percentage will be effec�ve from the next Policy Anniversary following the
receipt of the request for the same. However, request for change in SWO percentage cannot be made
a�er the death of the Life Assured, when Premium Plus has been chosen.
x. The SWO payout will be payable �ll the end of the Policy Term or �ll the Policyholder terminates the
op�on, subject to condi�ons applicable for this feature being fulfilled.
xi. The SWO payout will be paid by redeeming units from the funds in the same propor�on as the Fund
Value in each fund and will be redeemed at the unit price applicable on the date of each SWO payout.
xii. SWO feature will be available for all the Plan Op�ons. Request for SWO cannot be made a�er the
death of the Life Assured, when Premium Plus has been chosen.
xiii. SWO feature can be exercised even if SSO or AFR is opera�onal. Post SWO payout(s), the SSO or AFR
op�on will work on the balance (remaining) fund available in the policy account.
xiv. If RPO/STO/LPS is opera�onal, the same shall cease once SWO becomes opera�onal. .
xv. SWO feature can be opted when the Policy is in Reduced Paid-up state.
xvi. SWO cannot be exercised during the Se�lement Period or during the last 5 Policy Years.
xvii. Exercising this op�on does not a�ract any charge.

3. Par�al Withdrawals
i. This product allows the Policyholder to make par�al withdrawals from 6th policy year onwards free of
charge provided all due Premiums for first 5 policy years have been paid and the Life Assured has
a�ained the age of 18 years.
ii. Par�al withdrawals can be made in mul�ple of Rs. 1,000. The minimum par�al withdrawal amount
allowed is Rs. 10,000. The maximum par�al withdrawal amount allowed is such that the Fund Value
immediately a�er the par�al withdrawal is at least 120% payable in a year at the incep�on of the
Policy of the Annualized Premium payable in a year at incep�on of the Policy in case of Regular/Limited
Premium policies and at least 25% of the Single Premium in case of Single Premium policies. Any
number of par�al withdrawals can be made in a Policy Year.
iii. Par�al Withdrawals can be exercised even if SSO or AFR is opera�onal. Post par�al withdrawal, the SSO
or AFR op�on will work on the balance (remaining) fund available in the policy account. However,
where STO is opera�onal, par�al withdrawals from the Liquid Fund shall not be permi�ed. Any par�al
withdrawal request from the Liquid Fund will result in cessa�on of STO.
iv. Par�al withdrawals are not allowed during the Se�lement Period or when the RPO/LPS is opera�onal
as well as not allowed post the death of Life Assured in case Premium Plus is chosen. Unlike other
benefit op�ons, Sum Assured payable on death under Premium Plus is not reduced by the par�al
withdrawals made by the Policyholder prior to the death of the Life Assured.

4. Se�lement Op�on (available only under Invest Plus and Premium Plus Plan Op�on):
i. The Policyholder can opt for the Se�lement Op�on under the Policy any�me a�er issuance but at least
3 months before the maturity date.
ii. If You have selected the Se�lement Op�on, the units will not be disinvested on the maturity date of
the Policy and the Policy will con�nue for a period not exceeding 5 years from the date of maturity
(“Se�lement Period”).
Confidential
 iii. The units will be disinvested periodically as per the frequency chosen at the unit prices applicable on
the date of each payout in the same propor�on as the value of total units held in the Unit
Linked Funds.
iv. The frequency of payout during the Se�lement Period can be monthly, quarterly, half-yearly or yearly
which cannot be changed once the Se�lement Op�on is opera�onal.
v. The first installment will be calculated as the Fund Value as on date of maturity divided by total
number of installments basis chosen frequency and Se�lement Period. Each further installment will be
calculated basis the Fund Value available as on due date of such payout divided by the number of
outstanding installments. The last installment will be equal to the Fund Value as available on due date
of last payout.
vi. All the investment risk rela�ng to the fluctua�ons of unit prices will con�nue to remain with
the Policyholder.
vii. Switching is allowed during the Se�lement Period subject to the condi�ons as men�oned in the below
Sec�on on “Switching”.
viii. During the Se�lement Period, risk cover shall be maintained at 105% of the all the Premiums Paid up to
the date of death. However, incase Premium Plus was chosen and death has occurred during the Policy
Term, no risk cover and no Mortality Charges shall be applicable during the Se�lement Period.
ix. In the event of death of the Life Assured during the Se�lement Period, higher of (Fund Value as on the
date of in�ma�on of death or 105% of all the Premiums Paid up to the date of death) will be payable
and the Policy will terminate.
x. Par�al withdrawals, SWO, MWO, RPO, SSO, LPS and AFR are not allowed during the Se�lement Period.
xi. Fund Management Charges and Mortality Charges will con�nue to be deducted. There are no charges
other than Fund Management Charges and Mortality Charges during the Se�lement Period.
xii. Request for Se�lement Op�on cannot be made a�er the death of the Life Assured under Premium Plus.
xiii. At any �me during the Se�lement Period, the Policyholder can request for full withdrawal to close the
account. On the request for withdrawal to close the account, remaining Fund Value shall be paid to the
Policyholder and the Policy will terminate.

5. Premium Redirec�on
This facility allows the Policyholder to modify the alloca�on of future premiums into the Unit Linked Funds in a
different investment pa�ern from the op�on exercised previously by the Policyholder.
Premium Redirec�on is available free of charge and will be affected from the next Premium due date upon
receipt of a wri�en request from the Policyholder by the Company.
This op�on is not allowed post the death of Life Assured in case Premium Plus is chosen.
Any request for Premium redirec�on while RPO/STO/AFR/SSO/LPS is opera�onal will be considered as a
request to opt out of RPO/STO/AFR/SSO/LPS. However, if SSO is opted but not opera�onal, premium redirec-
�on can be exercised without impac�ng SSO.

6. Premium Reduc�on
A�er payment of premiums for the first five completed Policy Years, the Policyholder will have an op�on to
decrease the premium payable under the Policy up to 50% of the Annualized Premium payable in a year at the
incep�on of the Policy, subject to the minimum premium limits applicable under the product. Premium
reduc�on shall be subject to the following rules:
i. Once reduced, the premium cannot be subsequently increased.
ii. Reduc�on in premium will not change the Sum Assured mul�ple under the Policy. However, the SA
under the policy will reduce to the extent of reduc�on in premium.
iii. This op�on cannot be exercised when the Policy is in Reduced Paid-up state.
iv. This op�on can be exercised only once during the Policy Term.
v. Exercising this op�on does not a�ract any charge.
vi. This op�on is not allowed post the death of Life Assured in case Premium Plus is chosen.

Confidential
7. Switching
Switching allows the Policyholder to change the investment pa�ern during the Policy Term/Se�lement Period
by moving amounts invested in one fund to other fund(s) that are offered under this product. Switching under
this product shall be subject to the following rules:
i. Switch request can be made in percentage terms or in absolute amounts subject to the condi�on that
the amount being switched must be at least Rs. 10,000.
ii. The switches in any given Policy Year or in any year during the Se�lement Period will be free of charge.
iii. There is no limit on the number of switches made in a Policy Year or in any year during the
Se�lement Period.
iv. Where RPO, LPS or AFR is opera�onal, any request for switching will be considered as a request to opt
out of RPO or AFR.
v. If SSO is opera�onal, switching will be allowed subject to below men�oned condi�ons:
a. Switching amongst the funds other than Liquid Fund will not impact SSO.
b. Switching into or out of the Liquid Fund will stop SSO.
vi. While the STO is opera�onal, if the Policyholder submits the request for switching into or out of STO
Funds then STO will cease. However, switching will be allowed among the Unit Linked fund(s) other
than STO Funds.
vii. This op�on is not allowed post the death of Life Assured in case Premium Plus is chosen.

8. Change in Premium Payment Mode

The Policyholder can change the premium payment mode by submi�ng a wri�en request to the Company
any�me during the PPT. Such change will be effec�ve from the next Policy Anniversary following the receipt of
such request subject to payment of due Premium(s) and minimum limits as provided under the product. The
request for change in Premium Payment Mode should be made at least 60 days prior to the Policy Anniversary
from which the change shall be effec�ve. Exercising this op�on will not a�ract any charge. This op�on is not
allowed post the death of Life Assured in case Premium Plus is chosen.

9. Op�on to increase Policy Term

The op�on to increase the Policy Term (PT) is allowed only once during a Policy year subject to maximum of 2
�mes during the en�re Policy Term and will always be in mul�ples of one year. The request for increase in
Policy Term can be placed provided all due Premiums �ll date have been paid.
i. Altera�on needs to be within the product boundary condi�ons. The request for change in Policy Term
can be given at any �me a�er first five years’ Premiums have been paid.
ii. Such a request will not lead to any change in Premium or Premium Payment Term or Sum Assured.
iii. Such request to change the Policy Term will be subject to acceptance by Company as per the Board
Approved Underwri�ng Policy.
iv. Once increased, the Policy Term cannot be subsequently reduced.
v. Exercising this op�on does not a�ract any charge.
vi. Customer cannot change Policy Term if Policy is in Reduced Paid-up Status. However, Policyholder can
give request for altera�on post revival of a Reduced Paid-up Policy subject to condi�ons stated above.
vii. This op�on is not allowed post the death of Life Assured in case Premium Plus is chosen.

10. Increase or Decrease of Sum Assured:

You can choose to alter your Sum Assured based on your protec�on needs, from the 6th Policy Year. There will
be no change in your Premium amount as a result of the increase or decrease in Sum Assured opted by you.
Increase of Decrease of Sum Assured under this product shall be subject to the following condi�ons.
i. You can increase or decrease your Sum Assured star�ng from the 6th Policy Year onwards provided due
Premiums have been paid.
ii. The request for any altera�on in Sum Assured will be effec�ve only from the Policy anniversary
following the date on which you have made your request, subject to such request being made at least
60 days prior to the Policy anniversary.
Confidential
 iii. This flexibility is available to you once every Policy Year subject to a maximum of three �mes during
the Policy Term.
iv. Op�on to increase the Sum Assured is not available where the Life Assured is minor or above 50 years
of age. Increase/decrease in Sum Assured is subject to Underwri�ng acceptance and minimum and
maximum Sum Assured limits s�pulated under this plan and may result in increase or decrease in
mortality charges depending on the nature of the request.
v. Exercising this op�on does not a�ract a charge.

11. Change of Premium Payment Term

The op�on to alter the Premium Payment Term (PPT) is allowed only once during a Policy year subject to
maximum of 2 �mes during the en�re Policy Term and will always be in mul�ples of one year.
Such request will be subject to the following condi�ons:
i. Altera�on needs to be within the product boundary condi�ons and can result in both increase or
decrease of PPT. The request for change in PPT can be given at any �me a�er first five years’ Premiums
have been paid.
ii. Such a request will not lead to any change in Premium or Policy Term but may result in decrease in
Sum Assured post altera�on such that the altered Sum Assured, where required, will be within the
boundaries of Sum Assured Mul�plier .
iii. Such change will be effec�ve subject to acceptance by the Company as per the Board Approved
Underwri�ng Policy.
iv. For increase in Premium Payment Term, all due premiums should have been paid.
v. PPT cannot be changed if the Policy is in Reduced Paid-up state. However, Policyholder can exercise
this op�on post reviving such Policy by paying the due Premiums within revival period, subject to the
terms & condi�ons men�oned for change in Premium Payment Term.
vi. Exercising this op�on will not a�ract a charge.
vii. This op�on is not allowed post the death of Life Assured in case Premium Plus is chosen.

Non-forefiture Provisions

Surrender Benefit
The Policyholder can surrender this Policy at any �me. However, the Policy cannot be surrendered post the
death of the Life Assured under Premium Plus. The surrender value payable shall be Fund Value less applicable
Surrender Charge, if any. The treatment for surrender will be as men�oned under ‘Discon�nuance of
Premiums’ and ‘Policy Revival’ sec�on.
Discon�nuance of Premium
A. Discon�nuance:
The state of a Policy that could arise on account of surrender of the Policy or non-payment of the
Premium due before the expiry of the Grace Period.
Provided that no Policy shall be treated as discon�nued on non-payment of the said premium if, within the
Grace Period, the Premium has not been paid due to the death of the Life Assured or upon the happening
of any other con�ngency covered under the Policy.
B. Minimum Guaranteed Interest Rate:
The minimum guaranteed interest rate applicable to the Discon�nued Policy Fund shall be as specified by
the Competent Authority from �me to �me. The current minimum guaranteed rate of interest applicable
to the Discon�nued Policy Fund shall be 4 per cent per annum.
C. Lock-in period:
The period of five consecu�ve completed years from the date of commencement of the Policy, during
which period the proceeds of the discon�nued policies cannot be paid by the insurer to the Policyholder or
to the Life Assured, as the case may be, except in the case of death or upon the happening of any other
con�ngency covered under the Policy.
Confidential
D. Discon�nued Policy Fund (DPF):
The segregated fund of the insurer cons�tuted by the fund value, as applicable, of all the unit linked
insurance policies discon�nued during lock-in period. The Company will levy only Fund Management Charge
as men�oned in 'Charges' sec�on. The amounts credited to the Discon�nued Policy Fund will earn at least
the Minimum Guaranteed Interest Rate. The excess income earned in the Discon�nued Policy Fund over and
above the Minimum Guaranteed Interest Rate will also be appor�oned to the Discon�nued Policy Fund in
arriving at the proceeds of the discon�nued policies and will not be appor�oned to the shareholders of the
Company.
E. Discon�nuance of Policy during Lock-in Period (during first five years):
If the due Premium is not received by the expiry of the Grace Period, the Fund Value less applicable
Discon�nuance Charge will be transferred to the DPF and the risk cover, if any, under the Policy will cease.
On such Discon�nuance, the Company shall communicate the status of the Policy within 3 months of the
first unpaid premium to the Policyholder and provide the op�on to revive the Policy within the
Revival Period:
i. In case the Policyholder opts to revive but does not revive the Policy during the Revival Period, the
proceeds of the DPF shall be paid to the Policyholder at the end of the Revival Period or Lock-in Period
whichever is later and the Policy will terminate upon such payment. In respect of Revival Period
ending a�er Lock-in Period, the Policy will remain in DPF �ll the end of Revival Period. The FMC of the
DPF will be applicable during this period and no other charges will be applied.
ii. In case the Policyholder does not exercise the op�on as set out above, the Policy shall con�nue
without any risk cover and the policy fund shall remain invested in the DPF. At the end of the Lock-in
Period, the proceeds of the DPF shall be paid to the Policyholder and the Policy shall terminate.
iii. However, the Policyholder has an op�on to surrender the Policy any�me and proceeds of the
discon�nued policy shall be payable at the end of Lock-in Period or date of surrender whichever
is later.
Un�l the expiry of Grace Period, the Policy is deemed to be in-force with benefits and applicable charges
con�nuing as per terms and condi�ons of the Policy.
For an in force Policy, if a surrender request is received within the first 5 policy years, the Fund Value a�er
deduc�on of applicable Surrender Charges is transferred to the DPF and the proceeds of discon�nued policy
shall be refunded to the Policyholder only a�er comple�on of Lock-in Period.On surrender, the Policy will be
terminated and cannot be revived therea�er.
F. Discon�nuance of Policy a�er the Lock-in Period (a�er first five years)
If the Premium is not received by the expiry of the Grace Period, the Policy shall be converted into a
Reduced Paid-up Policy, with the Paid-up Sum Assured. The Policy shall con�nue to be in Reduced Paid-up
status. All applicable charges as per terms and condi�ons of the Policy shall be deducted during the Revival
Period. Upon such Discon�nuance, the Company shall communicate the status of the policy within 3
months of the first unpaid premium, to the Policyholder and provide the following op�ons:
1. Revive the Policy within the Revival Period;
2. Complete withdrawal of the Policy
1. In case the Policyholder opts for F(1) above but does not revive the Policy during the Revival
Period, the Fund Value shall be paid to the Policyholder at the end of the Revival Period or at the
end of the Policy Term, whichever is earlier and the Policy will terminate upon such payment.
2. In case the Policyholder does not exercise any of the op�ons as set out above, the Policy shall
con�nue to be in Reduced Paid-up status. The Fund Value shall be paid to the Policyholder at the
end of the Revival Period or at the end of the Policy Term, whichever is earlier and the Policy will
terminate upon such payment.
3. However, the Policyholder has an op�on to surrender the Policy any�me and Fund Value shall
be payable.
Un�l the expiry of Grace Period, the Policy is deemed to be in-force with benefits and applicable charges
con�nuing as per terms and condi�ons of the Policy.
Confidential
 For an in force Policy, if a surrender request is received post 5 policy years, the Fund Value shall be payable.
On surrender, the Policy will be terminated and cannot be revived therea�er.
Policy Revival
A. Revival:
In case of Discon�nuance of the Policy due to non-payment of due premium(s), you can apply for revival of
such a Policy by paying all due and unpaid Premiums, within the Revival Period. The Company can revive the
Policy either on its original or modified terms and condi�ons as per underwri�ng decision.
B. Revival Period:
Revival Period means the period of three consecu�ve complete years from the date of first unpaid premium
The Policy shall be revived subject to the condi�ons men�oned below:
• A Policy can be revived any �me before the end of the Policy Term and within the Revival Period
• Revival shall be subject to underwri�ng as per Company’s Board Approved Underwri�ng Policy.
• The revival of the Policy will be effec�ve only a�er Company’s approval is communicated.
Revival of a Policy discon�nued during the Lock-in Period:
If you chooses to revive your discon�nued Policy, the Policy can be revived by restoring the risk cover along
with the investments made in the Unit Linked Funds as chosen by you, out of the Discon�nued Policy Fund,
less the applicable charges in accordance with the terms and condi�ons of the Policy. At the �me of revival,
the Company shall:
• Collect all due and unpaid Premiums without charging any interest or fee.
• Levy Policy Administra�on Charge and Premium Alloca�on Charge as applicable during the
discon�nuance period. No other charges except Policy Administra�on Charge and Premium
Alloca�on Charge shall be levied at the �me of the revival.
• Add back to the Fund Value, the discon�nuance charges deducted at the �me of discon�nuance of
the Policy.
Revival of a Policy discon�nued a�er the Lock-in Period (Revival of a Reduced Paid-up Policy):
If you choose to revive your Reduced Paid-up Policy, the Policy can be revived restoring the original risk cover
in accordance with the terms and condi�ons of the Policy. At the �me of revival, the Company shall:
• Collect all due and unpaid Premiums without charging any interest or fee.
• Shall levy Premium Alloca�on Charge as applicable during the discon�nuance period. No other
charges except Premium Alloca�on Charge shall be levied at the �me of the revival.
Charges
Premium Alloca�on Charge
This charge will be deducted upfront and will be levied through reduced Premium Alloca�on to the fund. Refer
to the table given below:
Limited Pay & Regular Pay
Policy Administra�on Charge:
Premium Allocation Charge (As a % of Premium)

Policy Year 1.25 lakhs to less than 5 lakhs to less than 10 lakhs and
/Annualized 5 lakhs 10 lakhs above
Premium Annual Non - Annual Annual Non - Annual Annual Non - Annual
Mode Modes Mode Modes Mode Modes
1st 9.00% 8.00% 8.00% 7.00% 7.00% 6.00%
2nd to 5th 6.50% 5.50% 6.00% 5.00% 5.50% 4.50%
6th to 10th 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
11th onwards Nil Nil
Nil Confidential Nil Nil Nil
 Single Pay

Policy Premium Allocation Charge

Year (As a % of Single Premium)

1st 2.00%
2nd and above NA

Policy Administra�on Charges will be levied every month by redemp�on of units.

• For Regular/Limited Premium payment policies:
Policy Administra�on Charge of Rs. 500 will be charged per month, from 6th policy year �ll the end of the
Policy Team.
• For Single Premium payment policies:
Policy Administra�on Charge of 0.0083% of the Single Premium will be charged per month, throughout
the Policy Term.
However, there will be an absolute cap of Rs. 500 per month on the Policy Administra�on Charges.
Mortality Charge:
This charge will be deducted at the beginning of each Policy month by cancella�on of units. The amount of the
charge taken each month depends on the Life Assured’s age and Sum at Risk.
For female lives, Mortality Charges will be 3 years rated down as compared to male’s Mortality Charges.
Sample standard mortality rates applicable (`per annum per Rs. 1,000 of Sum at Risk) in this plan are as follows:
The Mortality Charge shall apply on the Sum at Risk(SAR) which will be computed as follows:

Age 20 30 40 50

Male 0.647 0.684 0.841 3.105

Female 0.580 0.654 0.729 2.218

During the Policy Term:

Under Invest Plus and Life Plus: Sum Assured at Risk is computed as follows if the Policy is in-force:
The higher of:
• Sum Assured less par�al withdrawals/withdrawals under Systema�c Withdrawal Op�on/withdrawals
under Milestone Withdrawal Op�on in the preceding two years less Fund Value; or
• 105% of all Premiums paid less Fund Value; or
• Zero.
However, for Reduced Paid-up Policy, the SAR will be computed as follows:
The higher of:
• Paid-up Sum Assured less par�al withdrawals/withdrawals under Systema�c Withdrawal
Op�on/withdrawals under Milestone Withdrawal Op�on in the preceding two years less Fund Value;
or
• 105% of all Premiums paid less Fund Value; or
• Zero.
Under Premium Plus: SAR is computed as follows for in-force policies: Max {Sum Assured, 105% of all Premiums paid}.
However, For Reduced Paid-up Policy, SAR will be higher of Paid-up Sum Assured or 105% of all Premiums paid.
During the Se�lement Period:

Confidential
SAR is computed as the higher of;
o 105% of all Premiums paid less Fund Value; or
o Zero
In case Premium Plus is opted where death has occurred during the Policy Term, SAR will be zero.

Premium Funding Benefit (PFB) Charges

This charge will be deducted at the beginning of each Policy month by cancella�on of units. This charge is only
applicable for Premium Plus. The Premium Funding Benefit Charge will apply on the Present Value of Future
Premiums payable by the Life Assured for an in-force Policy.
For female lives, Premium Funding Benefit Charges will be 3 years rated down as compared to male’s Premium
Funding Benefit Charges.
No Premium Funding Benefit Charges will apply if the Policy is in Reduced Paid-up state or during the
se�lement period. The Premium Funding Benefit Charges shall be available on the company website.
Fund Management Charge (FMC):
The following fund management charges will be applicable and will be deducted on daily basis from the Fund
before calcula�on of the NAV.

Fund FMC
Option (per annum)

Emerging Leaders Equity Fund 1.35%

India Mul�-Cap Equity Fund 1.35%
Midcap Momentum Growth Index Fund 1.35%
Equity II Fund 1.35%
Growth Plus Fund 1.35%
Balanced Plus Fund 1.35%
India Manufacturing Fund 1.35%
Mul�cap Momentum Quality Index Fund 1.35%
Large Cap Advantage Fund 1.00%
Debt Fund 1.00%
Liquid Fund 0.80%
Discon�nued Policy Fund (DPF) 0.50%

The FMC on Discon�nued Policy Fund shall be as declared by the Authority from �me to �me. Currently, the
FMC for DPF shall not exceed 0.50% per annum. The FMC on Large Cap Advantage Fund, Debt Fund and
Liquid Fund may be revised up to 1.35% p.a., subject to prior approval of IRDAI.
Surrender/Discon�nuance Charge is levied on the Fund Value on account of Surrender/Discon�nuance of the
Policy. The Surrender/Discon�nuance charges for this product are stated below:

Confidential
 Policy is surrendered/ Limited Pay
discontinued during the Single Pay
& Regular Pay
Policy Year

Lower of 6% * (AP or FV) subject Lower of 1% * (SP or FV) subject

1
to a maximum of Rs.6,000 to a maximum of Rs.6,000
Lower of 4% * (AP or FV) subject Lower of 0.5% * (SP or FV) subject
2
to a maximum of Rs.5,000 to a maximum of Rs.5,000
Lower of 3% * (AP or FV) subject Lower of 0.25% * (SP or FV) subject
3
to a maximum of Rs.4,000 to a maximum of Rs.4,000
Lower of 2% * (AP or FV) subject Lower of 0.10% * (SP or FV) subject
4
to a maximum of Rs.2,000 to a maximum of Rs.2,000

5 and onwards NIL NIL

(AP – Annualized Premium; SP – Single Premium; FV – Fund Value)

Notwithstanding the informa�on provided in the table, there will not be any Surrender/Discon�nuance
charges for a Surrender/Discon�nuance request received by the Company a�er the 5th Policy anniversary or
Policy is discon�nued at least a�er five Policy Years.
Switching Charge -Switches are free of charge.
Par�al Withdrawals Charge -Par�al Withdrawals are free of cost.
Miscellaneous Charge –Nil
All charges are exclusive of Goods and Services Tax & applicable cess (es)/levy, if any, as applicable and amended
from �me to �me which will be borne by the Policyholder. In case of death of Life Assured under Premium Plus,
all charges except Mortality & Premium Funding Benefit Charges will con�nue to be deducted during Policy
Term. All the charges men�oned above except Fund Management Charge will be deducted through cancella�on
of units. The Fund Management Charges (except for Large Cap Advantage Fund, Debt Fund & Liquid Fund),
Mortality Charges and Premium Funding Benefit Charges men�oned above are guaranteed during the
Policy Term.

Riders
The following Riders can be opted (as modified from �me to �me) to enhance your protec�on needs.

Rider Name Rider UIN Scope of Benefits**

A Non-Linked Non-Par�cipa�ng
Canara HSBC Life Insurance Individual Pure Risk Premium Rider,
Accidental Benefit Rider 136A016V01 offering coverage against Accidental
(Linked) Death Benefit and Accidental Total
& Permanent Disability.

Canara HSBC Life Insurance This is a non-linked, non-par�cipa�ng,

Linked Cri�cal Illness 136A018V01 individual health Rider offering coverage
Benefit Rider against 40 cri�cal illnesses.

Confidential
**For all details on Riders, kindly refer to the Rider documents. While a�aching riders to the base op�on(s)
under the product, it will be ensured that there is no overlap in benefits offered under different riders & base
product. In case of overlap, the rider(s) shall not be a�ached.
Riders will not be offered if the policy term/premium payment term of the rider exceeds outstanding policy
term/ premium payment term under the base policy.
Key Terms And Condi�ons
1. Where Life Assured is a minor: Where the Policy has been issued on the life of a minor, the Life Assured
(i.e. the minor in this case) and the Policyholder will be different at the date of commencement of the
Policy. The risk cover of the Life Assured shall start immediately from the date of commencement of the
Policy. The Policy shall automa�cally vest on the Life Assured immediately on their date of comple�on of
18 years of age and the Life Assured would be the holder of the Policy from such date, subject to
assignment, if any. Till such �me that the Life Assured and the Policyholder are different, all benefits
(death and survival) are linked to the life of the Life Assured and there is no con�ngency on the life of the
Policyholder. In the event of death of the Life Assured in minority, all the proceeds under the Policy would
go to the Policyholder and the Policy will terminate.
2. Free-Look Op�on: Free-Look Op�on: If the Policyholder does not agree with the terms and condi�ons of
the Policy, they shall have the op�on to request for cancella�on of the Policy by returning the Policy
Document (if issued physically upon request) along with a wri�en request sta�ng the reasons for
non-acceptance to the Company within the free-look period of 30 days from the date of receipt of the
Policy Document whether received electronically or otherwise.
If the Policyholder opts for cancelling the Policy during the free-look period, the Company will refund the
Fund Value as on the date of such cancella�on plus any non-allocated premium amount plus the charges
deducted by cancella�on of units. This amount will be paid subject to deduc�on of the propor�onate risk
premium for the period of cover, stamp duty charges and expenses incurred on medicals (if any).
3. Grace period: You have a period of 30 days for Annual, Half Yearly and Quarterly Mode of Premium
payment and 15 days for Monthly Mode of Premium payment from the due date to pay your Premiums,
during which life insurance cover will con�nue. The policy and applicable benefits will remain in force and
in case of an admissible claim the benefits will be payable post deduc�on of due unpaid premium
4. Suicide exclusion: In case of death due to suicide within 12 months from the date of commencement of
the Policy or from the date of the revival of the Policy, the Nominee of the Policyholder shall be en�tled to
Fund Value, as available on the date of in�ma�on of death. Further, any charges other than Fund
Management Charges recovered subsequent to the date of death of the Life Assured shall be added back
to the Fund Value as available on the date of in�ma�on of death. The Policy will terminate upon payment
of such benefit amount under all the Plan Op�ons available under the product. In case of death due to
suicide within 12 months from the effec�ve date of increase in Sum Assured, then the amount of increase
shall not be considered in the calcula�on of the death benefit.
5. Auto termina�on: At any �me during the Policy Term a�er the comple�on of the Lock-in Period provided
that first5 Policy Years Premium have been paid, if on any monthly Policy anniversary, the Fund Value is
insufficient to deduct monthly charges due to cancella�on of units, or becomes equal to zero, then this
Policy shall terminate automa�cally. The remaining Fund Value (if any) as on the date of such termina�on
shall be payable to you. However this will not apply once future premiums are being funded by the
Company as per Premium Plus.
6. First premium will be allocated at the NAV on the date of commencement of the Policy.
7. Transac�on requests (including renewal Premiums, switches, par�al withdrawals, surrender etc.) received
before the cutoff �me of 3.00 pm will be allocated the same business day's NAV and the ones received
a�er the cutoff �me of 3.00 pm will be allocated next business day's NAV. The cutoff �me will be as per
IRDAI guidelines as amended from �me to �me.
8. There is no provision of loan in this plan.
9. Tax Benefit: Tax Benefits under the Policy will be as per the prevailing Income Tax laws and are subject to
amendments from �me to �me. For tax related queries, contact your independent tax advisor.
10. Assignment/Nomina�on Requirements: Assignment and Nomina�on are permi�ed under this Plan as
per Sec�on 38 and Sec�on 39 respec�vely of the Insurance Act, 1938 as amended from �me to �me.
Confidential
11. Prohibi�on of Rebate (Sec�on 41 of the Insurance Act, 1938 as amended from �me to �me):(1) No
person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take
out or renew or con�nue an insurance in respect of any kind of risk rela�ng 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 con�nuing a policy accept any rebate, except such
rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.
(2) Any person making default in complying with the provisions of this sec�on shall be liable for a penalty
which may extend to ten lakh rupees.
12. Non-Disclosure Clause (Sec�on 45 of the Insurance Act, 1938 as amended from �me to �me): Fraud and
misstatement would be dealt with in accordance with the provision of Sec�on 45 of the Insurance Act,
1938 as amended from �me to �me. For full text of the provisions of this Sec�on, please contact the
Company or refer to the Policy contract of this product on our website www.canarahsbclife.com.

Disclosures and Risk Factors

Canara HSBC Life Insurance Company Limited is only the name of the insurance company and Canara HSBC
Life Insurance Wealth Edge is only the name of the unit linked insurance contract and does not in any way
indicate the quality of the contract, its future prospects or returns.
• The various funds offered under this contract are the names of the funds and do not in any way
indicate the quality of these plans, their future prospects and returns. The SFIN (Segregated Fund
Index Number) for: Large Cap Advantage Fund isULIF02109/06/20LARCPADFND136, Emerging Leaders
Equity Fund is ULIF02020/12/17EMLEDEQFND136, India Mul�-Cap Equity Fund is
ULIF01816/08/16IMCAPEQFND136, Equity II Fund is ULIF00607/01/10EQUTYIIFND136, Midcap
Momentum Growth Index Fund is ULIF02218/03/24MIDMIEQFND136, Growth Plus Fund is
ULIF00913/09/10GROWTPLFND136, Balanced Plus Fund is ULIF01013/09/10BLNCDPLFND136, Debt
Fund is ULIF00409/07/08INDEBTFUND136, Liquid Fund is ULIF00514/07/08LIQUIDFUND136, Mul�cap
Momentum Quality Index Fund is ULIF02410/03/25MLMMQEQFND136, India Manufacturing Fund is
ULIF02305/11/24INMFGEQFND136 and Discon�nued Policy Fund is
ULIF01319/09/11POLDISCFND136.
• Please know the associated risks and the applicable charges, from intermediary or Policy document
issued by the insurance company.
• Unit Linked Insurance products are different from the tradi�onal insurance products and are subject to
the risk factors.
• The premium paid in Unit Linked 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 fund and
factors influencing the capital market and the insured is responsible for his/her decisions.
• Past performance of the investment funds do not indicate the future performance of the same.
Investors in the scheme are not being offered any guaranteed/assured returns.
• The policyholder can know the value of policy wise units as per the FORM D02 through a secured login
on the Canara HSBC Life Insurance Company's website - www.canarahsbclife.com

PROCEDURE FOR GRIEVANCE REDRESSAL

Grievance Redressal Process
In case of any concern you may have, kindly visit any of our branches or call our resolu�on center. You can
also write an email (cru@canarahsbclife.in) to us or reach us through the online form on our website
(h�ps://www.canarahsbclife.com/contact-us/grievance-redressal). We will respond to you maximum
within two weeks from the date of receiving your complaint.
Complaint Redressal Unit
Canara HSBC Life Insurance Company, 139P, sector 44, Gurugram - 122003, Haryana, India
Toll Free- 1800-103-0003/1800-891-0003
Email: cru@canarahsbclife.in
In case you do not receive a response from us or are not sa�sfied with the same you may write to our
Grievance Redressal Officer at Confidential
Grievance Redressal Officer
Canara HSBC Life Insurance Company, 139P, sector 44, Gurugram - 122003, Haryana, India
Toll Free- 1800-103-0003/1800-891-0003
Email: gro@canarahsbclife.in
To locate our branch please visit h�ps://www.canarahsbclife.com/contact-us/locate-a-branch.
In case the complaint is not a�ended to within two weeks of registra�on of the complaint or the
resolu�on provided by the Insurer/GRO is not sa�sfactory, the client may complain to Bima Bharosa by
visi�ng: h�ps://bimabharosa.irdai.gov.in
In case you are s�ll not sa�sfied with the decision/resolu�on provided by the Company, you may
approach the Insurance Ombudsman of your respec�ve State for redressal of your grievance. For more
details kindly refer to our website www.canarahsbclife.in or the GBIC website at
h�ps://cioins.co.in/Ombudsman for the list of Ombudsman.
Kindly note that you may approach the Insurance ombudsman, post-comple�on of 30 days from the date
of filing the complaint.

About us:
Canara HSBC Life Insurance Company Limited is a company formed jointly by three financial organiza�ons
- Canara Bank, Punjab Na�onal Bank and HSBC Insurance (Asia Pacific) Holdings Limited.
The shareholding pa�ern of the Joint Venture is – Canara Bank: 51%, HSBC Insurance (Asia Pacific)
Holdings Limited: 26% and Punjab Na�onal Bank: 23%.
Our aim is to provide you with a range of life insurance products backed by customer service and thereby,
making your life simpler.
Canara HSBC Life Insurance Wealth Edge is a Unit Linked Individual Savings Life Insurance Plan.
Trade Logo of Canara HSBC Life Insurance Company Limited hereina�er referred to as "Insurer" is used
under license with Canara Bank and HSBC Group Management Services Limited . The insurance products
are offered and underwri�en by the Insurer (IRDAI Regn. No. 136) having its head office at 139 P, Sector
44, Gurugram – 122003, Haryana (India). For more details on risk factors, terms and condi�ons please
read the sales brochure carefully before concluding a sale. Corporate Iden�ty No.:
U66010DL2007PLC248825. Website: www.canarahsbclife.com Call: 1800-103-0003/1800-891-0003. SMS:
7039004411. Missed Call: 8071262709. Email: customerservice@canarahsbclife.in. This brochure should
be read in conjunc�on with the benefit illustra�on and the terms & condi�ons for this plan as provided in
sample policy contract available on our website.

Confidential
 Canara HSBC Life Insurance Company Limited (IRDAI Regn. No. 136)
Registered Office: 8th Floor, Unit No. 808 - 814, Ambadeep Building, Plot No.14,
Kasturba Gandhi Marg, New Delhi - 110001, India
Head Office: 139 P, Sector 44, Gurugram-122003, Haryana, India
Corporate Iden�ty No.: U66010DL2007PLC248825
Website: www.canarahsbclife.com Call: 1800-103-0003/1800-891-0003
SMS: 7039004411. Missed Call: 8071262709
Email: customerservice@canarahsbclife.in

“BEWARE OF SPURIOUS PHONE CALLS AND FICTICIOUS/FRADULENT OFFERS

IRDAI or its officials do not involve in ac�vi�es like selling insurance policies, announcing bonus or investment of premiums.
Public receiving such phone calls are requested to lodge a police complaint ”

Trade Logo of Canara HSBC Life Insurance Company Limited is used under license with Canara Bank, HSBC Group Management Services
Limited. This product brochure gives only the salient features of the plan and it is indica�ve of terms and condi�ons. This brochure should be
read in conjunc�on with the Terms & Condi�ons for this plan as provided in sample policy contract available on our website

Confidential
UIN: 136L085V03 BRONJWECHOJUL25 ENG