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LICs JEEVAN VRIDDHI (UIN: 512N268V01) LICs Jeevan Vriddhi is a single premium plan wherein the risk cover is a multiple of premium chosen by you. On maturity this plan offers a Guaranteed Maturity Sum Assured and Loyalty Addition, if any. 1. Benefits i) Death benefit: On death, Basic Sum Assured shall be payable. The Basic Sum Assured shall be 5 times the Single Premium excluding extra premium, if any. ii) Maturity Benefit: On maturity, the Guaranteed Maturity Sum Assured along with Loyalty Addition, if any, shall be payable. iii) Loyalty Addition: Depending upon the Corporations experience the policy will be eligible for Loyalty Addition on date of maturity at such rate and on such terms as may be declared by the Corporation. 2. ELIGIBILITY CONDITIONS AND OTHER RESTRICTIONS: a) b) c) d) e) Minimum Entry Age Maximum Entry Age Minimum Basic Sum Assured Maximum Basic Sum Assured Minimum Premium : 8 years (completed) : 50 years (nearest birthday) : Rs.150, 000/: No Limit : Rs. 30,000/-

Premium shall be available in multiples of Rs. 1,000/-. f) g) Policy Term Premium payment mode : 10 years : Single premium only

h) Guaranteed Maturity Sum Assured : The Guaranteed Maturity Sum Assured will depend on the single premium payable and the age at entry of the life to be assured. 3. GUARANTEED MATURITY SUM ASSURED: Guaranteed Maturity Sum Assured for each age at entry per Rs.100000/- Single Premium (exclusive of Service Tax) is as under:

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LIC Jeevan Vriddhi Entry age ( Inv.Rs.100000/-) Guaranteed Maturity Sum Assured After 10 years 198400.60/198200.10/197900.15/197500.55/197200.10/196800.90/196600.35/196400.05/196100.09/196000.00/195800.03/195600.80/195500.50/195400.40/195300.45/195200.65/195100.85/195000.95/194900.90/194800.55/194600.85/194400.55/194100.60/193700.70/193200.80/192700.00/192000.40/191200.85/190400.30/189400.60/188300.65/187100.20/185700.10/184100.45/182300.95/180300.90/Service tax 1.54% Annualised YieldAfter 10 years

8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43

101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/-

6.93% 6.92% 6.90% 6.88% 6.86% 6.85% 6.83% 6.82% 6.81% 6.80% 6.79% 6.78% 6.77% 6.77% 6.76% 6.76% 6.75% 6.75% 6.74% 6.73% 6.73% 6.71% 6.70% 6.68% 6.65% 6.62% 6.58% 6.54% 6.49% 6.44% 6.37% 6.30% 6.22% 6.13% 6.03% 5.91%

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44 45 46 47 48 49 50 178100.05/175500.30/172600.55/169400.95/165900.95/162200.60/158200.25/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/101500.45/5.78% 5.63% 5.45% 5.26% 5.04% 4.80% 4.53%

4. INCENTIVE FOR HIGHER PREMIUM: Incentive for higher single premium by way of increase in the Guaranteed Maturity Sum Assured is as under: Premium (excluding extra premium) Below Rs.50,000 Rs.50,000 to Rs. 99,000 Rs.1,00,000 and above Increase in Guaranteed Maturity Sum Assured Nil 1.25% 3.00%

5. LOAN: Loan facility will be available under this plan, after completion of one policy year. 6. SURRENDER VALUE: The policy can be surrendered for cash after the policy has run for at least one year. The minimum Guaranteed Surrender Value allowable is equal to 90% of the Single premium paid excluding extra premium, if any. Corporation may however pay Special Surrender value as applicable on the date of surrender provided the same is higher than the Guaranteed Surrender Value. The Special Surrender Value will be the discounted value of the Guaranteed Maturity Sum Assured as on date of surrender. 7. SERVICE TAX: Service tax, if any, shall be as per the Service Tax laws and the rate of service tax as applicable from time to time. The amount of service tax as per the prevailing rates shall be payable by the policyholder on the premium.

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9. COOLING-OFF PERIOD: If you are not satisfied with the Terms and Conditions of the policy, you may return the policy to the Corporation within 15 days from the date of receipt of the policy stating the reason of objections. On receipt of the same the Corporation shall cancel the policy and return the amount of single premium deposited after deducting the risk premium, expenses incurred on medical examination and stamp duty. 10. EXCLUSIONS: The policy shall be void if the Life Assured (whether sane or insane at the time) commits suicide at any time within one year from the date of commencement of risk and the Corporation will not entertain any claim under this policy except to the extent of a maximum of (i) 90% of the single premium paid excluding any extra premium paid or (ii) third partys bonafide beneficial interest acquired in the policy for valuable consideration (but limited to applicable death benefit of this policy) of which notice has been given in writing to the branch where the policy is being presently serviced (where the policy records are kept) at least one calendar month prior to death. Statutory warning: "Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns then these will be clearly marked guaranteed in the illustration table on this page. If your policy offers variable returns then the illustrations on this page will show two different rates of assumed investment returns. These assumed rates of return are not guaranteed and they are not upper or lower limits of what you might get back as the value of your policy is dependant on a number of factors including future investment performance."

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Notes :

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i) This illustration is applicable to a standard (from medical, life style and occupation point of view) life. ii) The non-guaranteed benefits (1) and (2) in above illustration are calculated so that they are consistent with the Projected Investment Rate of Return assumption of 6% p.a.(Scenario 1) and 10% p.a. (Scenario 2) respectively. In other words, in preparing this benefit illustration, it is assumed that the Projected Investment Rate of Return that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be. The Projected Investment Rate of Return is not guaranteed. iii) The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some level of quantification.

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