About Bajaj Allianz Life Insurance

Bajaj Allianz Life Insurance Co. Ltd., one of India’s leading private
life insurers, is a joint venture between Bajaj Finserv Limited, one of
the most diversified non-banking financial institutions in India, and
Allianz SE, one of world’s leading global insurer and asset manager.
This joint venture Insurance Company incorporates global expertise
with local experience. The comprehensive, innovative solutions
combine the technical expertise and experience of Allianz SE, and in-
depth market knowledge and goodwill of “Bajaj brand” in India.
 About Bajaj Allianz Life ACE Advantage

Saving money is vital for your financial future as it helps meet

financial obligations. It provides financial security and freedom, and
also secures you in a financial emergency. A lumpsum corpus is
always helpful in fulfilling various financial needs at different life
stages.

Presenting Bajaj Allianz Life ACE Advantage, a non-linked,

participating, individual life insurance, savings plan which protects
you with a life cover, while creating a future corpus with an upsides
through participation in bonuses.
What makes Bajaj Allianz Life ACE Advantage perfect for YOU?

Security
Life Cover to protect your family

Guarantee
Get Guaranteed payout/s during the premium payment term

Flexibility
Plan your future goals with wide range of Policy term option

Tax benefits
Avail tax benefits as per prevailing tax laws

Additional Coverages
Choice of riders offering enhanced protection
 Let’s understand the product in detail

• Pay your premiums for the chosen period

• Receive Guaranteed Payout/s during the last 'n' years of premium payment term, as shown in table
below:

Premium payment term (years) 5 6 8 9 10 12 & above

(n) Number of Payouts 1 2 3
Payouts at the beginning of policy year 5 6 7,8 8,9 9 , 10 PPT-2, PPT-1, PPT
• Also get a lumpsum amount at the end of the policy term

Guaranteed Payout/s
`
0 9 20
Maturity
benefit
Premium payment term
Policy Term
Survival Benefit
Guaranteed Payout/s as 102.25% of one Annualised premium will be paid at the beginning of policy
year for number of years as shown in table above. You will have an option to use this survival benefit to
adjust against your renewal premium in the policy. To ensure premium offset, the frequency and timing
of the Guaranteed Payouts will be same as that of the premium payment mode in the policy.
Maturity Benefit
If the policy is in-force and all due premiums are paid up to date, you will receive a lumpsum amount on
maturity equal to:
• Guaranteed Maturity Benefit (GMB) plus,
• Accrued Simple Reversionary Bonus (if declared),
• plus Terminal Bonus (if declared)
where Sum assured on maturity is equal to GMB
 Death Benefit

If the policy is in-force as on the date of death, all due premiums are paid up to date of death of the Life
Assured during the policy term, the death benefit will be paid in lumpsum as:
• Sum Assured on Death, plus
• Accrued simple reversionary bonus (if declared), plus
• Terminal Bonus (if declared)
Where Sum assured on death is the Sum Assured. The Death Benefit will not be less than the
Guaranteed Death Benefit or the surrender value available then, whichever is higher.

Please note:
o Annualized Premium shall be the premium amount payable in a year by the policyholder excluding
the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
o Total Premiums means total of all premiums paid under the policy, excluding any extra premium
and taxes, if collected explicitly
o Guaranteed Death Benefit shall be 105% of the Total Premiums Paid
o Guaranteed Maturity Benefit will be GMB factor multiplied by Annualised premium
 Let's see how this plan will help you in fulfilling your LifeGoals

Amit is a 40-year-old Businessman. He wants a savings plan, which will help him to accumulate a big corpus
after 20 years for business expansion. He invests in Bajaj Allianz Life ACE Advantage by paying ` 1 lakh p.a. for
10 years

Guaranteed Payouts of ` 1,02,250

`
0 9 20
Maturity benefit
@8% ` 20,37,315
` 1,00,000 p.a. paid for 10 years
@4% ` 10,67,165
Policy Term

At assumed investment At assumed investment

return of @4% return of @8%
Guaranteed Payouts `2,04,500
Guaranteed Maturity Benefit ` 9,70,150
Accrued Reversionary Bonus ` 97,015 ` 3,88,060
Terminal Bonus 0 ` 7,21,792
Maturity benefit ` 10,67,165 ` 20,37,315
Total Premiums Paid ` 10,00,000
Total Benefit Received ` 12,71,665 `22,41,815

Ÿ The above illustration is assuming the Life Assured is alive till the end of the policy term.
Ÿ The Sum Assured on Death at inception of the policy is ` 10,00,000
Ÿ The premiums mentioned above are exclusive of any extra premium loading and Goods & Service Tax/any other
applicable tax levied, subject to changes in tax laws.
Ÿ The assumed rate of returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the
upper or lower limits of returns under the policy
 Eligibility Criteria

Minimum Maximum
For PPT 5, 6: 54
Age at Entry (years) 0
For PPT 8 and above: 60

Age at Maturity (years) 18 85

No limit, subject to Board
Annualised Premium (Rs.) ` 12,000
Approved Underwriting Policy
Guaranteed Maturity Benefit ` 1,00,000 As per maximum premium

10 times of Annualised Premium

Maximum Sum Assured will be subject
Sum Assured 7 times of Annualised Premium to the prevailing Board approved
underwriting guidelines.

Premium Payment Term (PPT)

Limited Pay: 5, 6, 8, 9, 10, 12 | Regular Pay: 13 to 30
(in years)
Policy Term (PT) (in years) Limited Pay: PPT plus 5 to 30 | Regular Pay: Equal to PPT

All ages mentioned above are age as on last birthday. Risk cover will commence immediately on the date of
commencement of risk of the policy and, in the case of a minor life, policy will vest on the life assured on the earlier of
attainment of majority (i.e., 18 years age last birthday).
The female lives will get 1% higher GMB.
The policyholder will have the option to select the Sum Assured multiple at inception of the policy.
The product will be available for sale through online mode also.
 What will you get on surrendering your policy?

We advise you to continue your policy and enjoy the benefits of your policy. However, we understand
that in certain circumstances you may want to surrender your policy.
• The surrender value payable will be the higher of the guaranteed surrender value (GSV) or the
special surrender value (SSV).
• The policy will acquire a GSV provided two (2) full years’ premiums have been paid. SSV shall
become payable after completion of first (1st) policy year provided at least one (1) full years’
premium has been received.
• The SSV factors are not guaranteed, and company will review these factors from time to time,
• The policy will terminate on the date of surrender.
 What happens if you stop paying your premiums?

We recommend you to pay your premiums regularly for the chosen premium payment term and enjoy
all the benefits of your policy. However, at any stage if you stop paying premiums the following shall be
applicable:
• If you have not paid one (1) full years’ premium, then, your policy will immediately and
automatically lapse at the expiry of the grace period and no benefit will be payable under the policy.
• A policy which has acquired surrender value shall not lapse by reason of the non-payment of future
premiums, instead the policy will be, immediately & automatically, converted to a paid-up policy at
the expiry of the grace period.

i) The paid-up sum assured, paid-up guaranteed maturity benefit, paid up Guaranteed Payout, paid-
up sum assured on maturity, paid-up death benefit and the paid-up sum assured on death are
obtained by multiplying the sum assured, guaranteed maturity benefit, Guaranteed Payout, sum
assured on maturity and the sum assured on death, respectively, by a factor equal to the
proportion of the number of premiums paid to the total number of premiums payable under the
policy. The paid-up guaranteed death benefit is equal to 105% of the Total Premiums received up to
the date of paid-up.
ii) A paid-up policy will not be eligible for any future simple reversionary bonus. However, the
reduced paid-up policy will be eligible for Terminal Bonus, if any declared.
iii) The sum assured, sum assured on death, guaranteed death benefit, death benefit, Guaranteed
Payout and sum assured on maturity will be replaced by the paid-up sum assured, paid-up sum
assured on death, paid-up guaranteed death benefit, paid-up Guaranteed Payout and paid-up sum
assured on maturity, respectively.
iv) You may revive a lapsed policy/paid-up policy subject to the conditions mentioned in the revival
section.
 Revival of the Plan

You can revive your lapsed or paid-up policy, subject to the following conditions;
i) The application for revival is made within five (5) years from the due date of the first unpaid
premium, before the maturity date.
ii) The arrears of premiums together with interest, at such rate as the company may decide from
time to time along with applicable taxes are paid. The current applicable revival interest is 10%
p.a. compounded half- yearly.
iii) On revival, you are entitled to receive all contractual benefits.

Note: The revival interest rate will be benchmarked to the G-Sec based on the information from Financial
Benchmark India Private Ltd (FBIL). It will be equal to [10-year G-Sec yield PLUS 2%] rounded-up to the next full
interest rate. The revival interest rate will be reviewed on an annual basis at the beginning of each financial year.
Any change in bases used for determination of applicable interest rate will be subject to prior approval of IRDAI.
 Additional Benefit under the Plan

Additional benefits through Riders:

You can enhance your protection during the policy term by choosing the additional rider benefits at a
nominal extra cost. The riders available under Bajaj Allianz Life ACE Advantage are:
1. Bajaj Allianz Accidental Death Benefit Rider(UIN:116B034V02)
2. Bajaj Allianz Accidental Permanent Total/Partial Disability Benefit Rider(UIN:116B036V02)
3. Bajaj Allianz Life Family Protect Rider (UIN: 116B056V01)
Please refer to respective rider sales literature or visit Company website or consult your “Insurance
Consultant” for more details and eligibility conditions.

Alteration of premium and income frequency

You will have the option to change the premium payment frequency or Income frequency at any policy
anniversary.
• frequency factor:
Yearly Half-yearly Quarterly Monthly
1.0000 0.5084 0.2564 0.0859

The quarterly and monthly premium payment mode will be allowed only under auto-debit process (as
per the approved RBI facilities)
Instalment Guaranteed Payout = frequency factor X annual Guaranteed Payout
Option to take Maturity Benefit in Installments
• The policyholder will have an option to take Maturity Benefit in monthly or yearly instalments over a
period of 5, 10, 15 or 20 years. This option can be chosen at any time before maturity.
• The interest rates applicable for arriving at these instalments for the chosen period shall be equal to
the yields of the respective G-Sec yield less a spread of 25 basis points for instalments over a period
of 5, 10, 15 and 20 years. The interest rate will be benchmarked to the G-Sec based on the information
from Financial Benchmark India Private Ltd (FBIL).
• E.g., For instalment period of 5 years, 5-year G-Sec yield less a spread of 25 basis points will be
applicable.
• The policyholder will have the option to request for a discontinuance of the instalments even after the
instalments have commenced. The policyholder will be eligible to receive an amount equal to
discounted value of the future instalments as on the date of such request (which would be discounted
at the same interest rate used at the time of instalment calculation).

Tax Benefits under the Plan

As per applicable tax laws as amended from time to time. You are requested to consult your tax
consultant and obtain independent advice for eligibility and before claiming any benefit under the policy.
 Taking a Policy Loan

Provided the policy has acquired surrender value, during the policy term, you will have the option to
take policy loan, subject to a maximum limit of 80% of [the surrender value less TB on surrender (if
any)] + 50% of TB on surrender (if any).
• Loan interest rate applicable for the loan will be as decided by the company from time-to-time. The
current loan rate of interest is 10% p.a. compounding half-yearly.
• On death, surrender or maturity, the outstanding policy loan plus interest, as on the date of
death/surrender/ maturity, will be deducted from the death/ surrender/ maturity benefit payable.
Each survival benefit will be adjusted against the outstanding loan & interest.

Please refer to your policy document for further details.

Note: The loan interest rate will be benchmarked to the G-Sec based on the information from Financial Benchmark
India Private Ltd (FBIL). It will be equal to [10-year G-Sec yield PLUS 2%] rounded-up to the next full interest rate.
The loan interest rate will be reviewed on an annual basis. Any change in bases used for determination of
applicable interest rate will be subject to prior approval of IRDAI.
 Termination
The risk cover of the Life Assured shall, immediately and automatically, terminate on the earliest
occurrence of any of the following events:
i) At the end of the Grace Period, if the Policy is lapsed
ii) On the date of death of the Life Assured
iii) At the end of Policy Term

The Policy shall, immediately and automatically, terminate on the earliest occurrence of any of the
following events:
i) On Free Look Cancellation
ii) Payment of Surrender Value.
iii) On the expiry of the Revival Period, for a lapsed Policy.
iv) On foreclosure of the policy
v) On the Maturity Date.
vi) On payment of the Death Benefit in a lump-sum
vii) On refund of eligible Regular Premiums/Surrender Value under suicide clause on suicide of the
Life Assured.

Grace Period

The Grace Period is thirty (30) days for frequencies other than monthly and fifteen (15) days for monthly
frequency during which the Policy is considered to be in-force with the risk cover. On the occurrence of
death during the Grace Period, the Death Benefit will be payable and the due but unpaid Premium/s
upto the date of death will be deducted from the benefit payable.
 Free Look Period

The policyholder has a free look period of thirty (30) days from the date of receipt of Policy Document, to
review the terms and conditions of the Policy and where the Policyholder disagrees to any of those
terms & conditions, he has the option to return the Policy to the insurer for cancellation, stating the
reasons for his objection, then he shall be entitled to a refund of all the premiums (excluding applicable
taxes) paid, subject only to a deduction of a proportionate risk premium for the period of cover and the
expenses incurred by the insurer on medical examination of the proposer and stamp duty charges
The request for cancellation of the policy during free look period shall be processed and premium shall
be refunded within 7 days of receipt of such request.

Exclusions
Suicide Claim provision:
In case of death of a life assured due to suicide within 12 months from the date of commencement of
risk or the date of latest revival of the policy, whichever is later, then the nominee or beneficiary of the
policyholder shall be entitled to receive, the higher of 80% of the Total Premiums paid till the date of
death or the surrender value as on the date of death, provided the policy is in force and the policy will
be terminated.
There are no other exclusions other than the suicide clause.

Auto Vesting
If the policy has been taken on the life of a minor, on attaining the age of majority i.e. 18 years, the policy
will vest on him/her. Thereafter, the Life Assured shall become the policyholder who will then be
entitled to all the benefits and subject to all liabilities as per the terms and conditions of the policy.
 Extra benefits and Discounts available in the plan:

• High Premium Mark-up will be available if the annual premium under the policy is 1.5 lac or above.
• Female Lives mark-up of 1% will be available on the Guaranteed Maturity Benefit
• Online, Web-aggregator, Loyalty Benefit (to existing policyholders), staff mark-ups of upto `0.85 per
100 GMB will be added to the final GMB.
• Family discount of upto 7% of Annualised premium on the first year premium will be available to
family members of existing customers
 Statutory Information

Assignment: Section 38 of the Insurance Act, 1938

Assignment should be in accordance with provisions of sec 38 of the Insurance Act 1938 as amended
from time to time.

Nomination: Section 39 of the Insurance Act, 1938

Nomination should be in accordance with provisions of sec 39 of the Insurance Act 1938 as amended
from time to time.

Prohibition of Rebate: Section 41 of the Insurance Act, 1938 as amended from time to time
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to
take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in
India, any rebate of the whole or part of the commission payable or any rebate of the premium shown
on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate,
except such rebate as may be allowed in accordance with the published prospectuses or tables of the
insurer.
Any person making default in complying with the provisions of this section shall be liable for a penalty
that may extend up to ten lakh rupees.

Fraud & Misstatement: Section 45 of the Insurance Act, 1938

Fraud & Misstatement would be dealt with in accordance with provisions of Sec 45 of the Insurance Act
1938 as amended from time to time.

Applicability of Goods & Service Tax

Goods and Service Tax is charged based on type of Policy communication address of Policyholder. This
may change subject to change in rate/state in address of the Policyholder as on date of adjustment.
Bajaj Allianz Life Insurance Co. Ltd.

Regd. Office Address:

Bajaj Allianz Life Insurance Company Limited, Bajaj Allianz House, Airport Road, Yerawada,
Pune - 411 006. Reg. No.: 116 | Tel: (020) 6602 6777 | CIN: U66010PN2001PLC015959

Sales: 1800 209 0144 | Service: 1800 209 7272 | Mail us : customercare@bajajallianz.co.in
Visit us at: www.bajajallianzlife.com to purchase online
Bajaj Allianz Life ACE Advantage | UIN : 116N189V02

For More Information: Kindly consult our “Insurance Consultant” or call us today on the TOLL FREE
numbers mentioned above. This brochure should be read in conjunction with the Benefit Illustration
and Policy Documents. Please ask for the same along with the quotation.

Disclaimer :
This sales literature gives the salient features of the plan only. The Policy document is the conclusive evident of
contract and provides in details all the conditions &exclusions related to Bajaj Allianz Life ACE Advantage.
1. The risk factors of the bonuses projected under the product are not guaranteed,
2. Past performance of the Company doesn't construe any indication of future bonuses
3. The product is subject to the overall performance of the Company in terms of investments, management
of expenses, mortality and lapses.
The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use
its “Bajaj” Logo and Allianz SE to use its “Allianz” logo

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

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

BJAZ-BR-EC-11775/24
 II Allianz@

Bajaj Allianz Life ACE Advantage

A Non-linked Participating Individual Life Insurance Savings Plan

Name of the Policyholder Valued Customer Name of the Product: Bajaj Allianz Life ACE Advantage
Age (in Yrs) 35 Gender Male Tag Line: A Non-linked Participating Individual Life Insurance Savings
Name of the Life assured Valued Customer Plan
Age (in Yrs) 35 Gender Male Unique Identification Number: 116N189V02
Premium Paying Term 10 GST Rate(First Year): 4.50%
Policy Term 30 GST Rate(2nd Year onwards): 2.25%
Amount of Installment Premium 1,04,500
Mode of Payment of Premium Annual

How to read and understand this benefit illustration?

This benefit illustration is intented to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers
guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show
two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or 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.

Policy Details
Guaranteed Maturity Benefit (GMB) 11,36,110 Instalment Guaranteed Payout 1,02,250
Sum Assured 10,00,000 Total Income during the year 1,02,250
Sum Assured on Death (at inception of the
10,00,000 Guaranteed Payout Frequency Yearly
policy)
Simple Reversionary Bonus and Terminal
Premium Offset No Bonus Type
Bonus

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST 1,00,000 0 1,00,000
Instalment Premium with First Year GST 1,04,500 0 1,04,500

Instalment Premium with GST 2 nd year Onwards 1,02,250 0 1,02,250

Benefit Summary

Total Benefits including Guarantee and Non-Guaranteed

Benefits
Guaranteed Benefits Non-Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a.
Surrender Benefit Maturity Benefit Death Benefit
Annualised
Policy Premium Maturity Maturity Death Death
Year Benefit Benefit Benefit Benefit
(excl. GST) Special Accrued Special
Death
Accrued
Guaranteed Guaranteed Surrender Surrender incl TB incl TB incl TB incl TB
Survival Maturity simple Surrender simple Surrender
Surrender Surrender Value Value
Benefits
Benefit Benefit Reversionary Value (GSV) Value Reversionary
Value (GSV)
Value
@4% @8%

(1) (3) (4) (5) (6)

Bonus (SSV) Bonus (SSV)
(if any) (if any) (if any) (if any)
@4% @8% @4% @8%

(2) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)

lllllllili!i!D ,
1,00,000 0
mm
10,00,000 0 11,361 60,894 62,468 45,444 63,575 67,998 62,468 67,998
I

0
I

0
l!!IIE! I

10,11,361 10,45,444
1,00,000 0 10,00,000 0 17,042 1,06,462 1,00,371 68,167 1,10,850 1,09,220 1,06,462 1,10,850 0 0 10,17,042 10,68,167
4 1,00,000 0 10,00,000 0 22,722 2,02,127 1,43,362 90,889 2,08,509 1,55,947 2,02,127 2,08,509 0 0 10,22,722 10,90,889
1,00,000 0 10,00,000 0 28,403 2,52,901 1,91,978 1,13,611 2,61,604 2,08,755 2,52,901 2,61,604 0 0 10,28,403 11,13,611
6 1,00,000 0 10,00,000 0 34,083 3,03,798 2,46,809 1,36,333 3,15,193 3,54,986 3,03,798 3,54,986 0 0 10,34,083 11,36,333
7 1,00,000 0 10,00,000 0 39,764 3,54,835 3,08,500 1,59,055 3,69,339 4,78,276 3,54,835 4,78,276 0 0 10,39,764 11,59,055
8 1,00,000 0 10,00,000 0 45,444 4,14,028 3,77,759 1,81,778 4,32,110 6,23,337 4,14,028 6,23,337 0 0 10,45,444 11,81,778
9 1,00,000 1,02,250 10,00,000 0 51,125 3,82,146 3,56,152 2,04,500 4,04,335 7,00,683 3,82,146 7,00,683 0 0 10,51,125 12,04,500
10 1,00,000 1,02,250 10,50,000 0 56,806 3,54,462 3,16,789 2,27,222 3,81,348 7,86,740 3,54,462 7,86,740 0 0 11,06,806 12,77,222
11 0 0 10,50,000 0 62,486 3,66,248 3,39,329 2,49,944 3,98,493 8,97,083 3,66,248 8,97,083 0 0 11,12,486 12,99,944
12 0 0 10,50,000 0 68,167 3,88,282 3,63,396 2,72,666 4,26,628 9,67,512 3,88,282 9,67,512 0 0 11,18,167 13,22,666
13 0 0 10,50,000 0 73,847 4,10,594 3,89,104 2,95,389 4,55,876 10,43,548 4,10,594 10,43,548 0 0 11,23,847 13,45,389
14 0 0 10,50,000 0 79,528 4,33,219 4,16,583 3,18,111 4,86,376 11,24,830 4,33,219 11,24,830 0 0 11,29,528 13,68,111
15 0 0 10,50,000 0 85,208 4,46,198 4,45,988 3,40,833 5,08,293 12,13,991 4,46,198 12,13,991 0 0 11,35,208 13,90,833
16 0 0 10,50,000 0 90,889 4,69,579 4,77,494 3,63,555 5,41,817 13,10,512 4,77,494 13,10,512 0 0 11,40,889 14,13,555
17 0 0 10,50,000 0 96,569 4,93,418 5,11,304 3,86,277 5,77,170 14,15,396 5,11,304 14,15,396 0 0 11,46,569 14,36,277
18 0 0 10,50,000 0 1,02,250 5,17,777 5,47,639 4,09,000 6,14,609 15,27,626 5,47,639 15,27,626 0 0 11,52,250 15,27,626
19 0 0 10,50,000 0 1,07,930 5,32,733 5,86,751 4,31,722 6,44,433 16,52,263 5,86,751 16,52,263 0 0 11,57,930 16,52,263
20 0 0 10,50,000 0 1,13,611 5,58,372 6,28,916 4,54,444 6,86,986 17,83,952 6,28,916 17,83,952 0 0 11,63,611 17,83,952
21 0 0 10,50,000 0 1,19,292 5,84,792 6,74,439 4,77,166 7,32,667 19,27,951 6,74,439 19,27,951 0 0 11,69,292 19,27,951
22 0 0 10,50,000 0 1,24,972 6,12,108 7,23,653 4,99,888 7,81,934 20,82,981 7,23,653 20,82,981 0 0 11,74,972 20,82,981
23 0 0 10,50,000 0 1,30,653 6,30,454 7,76,926 5,22,611 8,25,317 22,49,981 7,76,926 22,49,981 0 0 11,80,653 22,49,981
24 0 0 10,50,000 0 1,36,333 6,59,982 8,34,675 5,45,333 8,83,429 24,32,692 8,34,675 24,32,692 0 0 11,86,333 24,32,692
25 0 0 10,50,000 0 1,42,014 6,90,871 8,97,365 5,68,055 9,46,982 26,29,711 8,97,365 26,29,711 0 0 11,92,014 26,29,711
26 0 0 10,50,000 0 1,47,694 7,23,327 9,65,521 5,90,777 10,16,808 28,65,863 9,65,521 28,65,863 0 0 11,97,694 28,65,863

o.x.x
 Benefit Summary

Total Benefits including Guarantee and Non-Guaranteed

Benefits
Guaranteed Benefits Non-Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a.

Surrender Benefit Maturity Benefit Death Benefit

Annualised
Policy Premium Maturity Maturity Death Death
Year Benefit Benefit Benefit Benefit
(excl. GST) Special Accrued Special
Death
Accrued
Guaranteed Guaranteed Surrender Surrender incl TB incl TB incl TB incl TB
Survival Maturtty simple Surrender simple Surrender
Surrender Surrender Value Value
Benefits
Benefit Benefit Reversionary Value (GSV) Value Reversionary Value
Value (GSV) @4% @8%
Bonus (SSV) Bonus (SSV)
(if any) (if any) (if any) (if any)
@4% @8% @4% @8%

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17)

Ell --mE!!!il-- . :1 . !t
----l!ElmlmmmiI!
I I Ill • I ,: ' f! 1• I ' I!

29 0 0 10,50,000 0 1,64,736 8,42,777 12,09,362 6,58,944 12,84,608 37,15,385 12,09,362 37,15,385 0 0 12,14,736 37,15,385
30 0 0 10,50,000 11,36,110 1,70,417 6,81,666 0 0 13,06,527 42,00,199 13,06,527 42,00,199

RB - Reversionary Bonus, TB - Terminal Bonus

• The above information must be read in conjunction with Sales Literature & Policy document.
• Tax benefits under the policy will be as per the prevailing Income Tax laws. We recommend that you seek professlonal advice for applicability of tax benefit on premiums pald and benefits received
• In case of any conflict between this benefit illustration and your policy document, the latter shall prevail
• For any further clarification, contact our sales representative or e-mail us on customercare@bajajallianz.co.in

Kindly note while understanding the Benefit Summary section:

1. Annualized Premium shall be the premium amount payable in the policy excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.
2. The Guaranteed Payout/(s) as illustrated in the Guaranteed Survival benefit column will be paid at the start of the policy year.
3. The Surrender Value payable will be higher of Guaranteed Surrender Value or Special Surrender Value {including any Terminal Bonus payable, if declared) and is illustrated under "Total Benefit
Surrender" columns.
4. Surrender value illustrated above is end of the policy year value. Special Surrender value may be revised depending on the prevailing market conditions. Upon payment of surrender benefit, the
policy terminates, and no further benefit becomes payable.
5. The Maturity Benefit, Death Benefit, Surrender Value illustrated in the respective columns will be paid at the end of the policy year. The policy will terminate on payment of these benefits.
6. If Premium offset is opted, then the Guaranteed Payouts will be adjusted against the premium due to be paid.

l, ..................... (name), have explained the premiums, charges and benefits under the policy fully I, Valued Customer , having received the information with respect to the above, have
to the prospect/policyholder. understood the above statement before entering into the contract.

Place:
Date: Signature of Agent/ Intermediary/ Official Date: Signature of Prospect / Policyholder

Bajaj Allianz Life Insurance Co. Ltd.

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006. Reg No.: 116.
Tel: (020) 66026777.
Email: customercare@bajajallianz.co.in
www.bajajallianzlife.com

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