Bharti AXA Life Unnati Plan

A Non-Linked, Participating, Individual, Savings Life Insurance Plan

ILLUSTRATION OF BENEFITS FOR BHARTI AXA LIFE UNNATI PLAN

Proposer Details Quote No.: 70005307137

Name of the Prospect/Policyholder: RAJAT RANJAN System Reference No.: 70005307137
Age as on last birthday: 41 Years Proposal No:
Gender: Male Policy No:
Life Insured Details Name of the Product: Bharti AXA Life Unnati Plan
Name of the Life Insured: RAJAT RANJAN Tag Line: A Non-Linked, Participating, Individual,
Savings Life Insurance Plan
Age as on last birthday: 41 Years
Unique Identification Number: 130N106V01
Gender: Male
GST Rate (incl. cess, if any): GST Rate applicable in 1st year is 4.50% and
2nd year onwards is 2.25%. For Riders, 18%
GST rate is applicable.
Policy Term (years): 59
Premium Payment Term (years) : 15
Premium Mode: Annual
Amount of lnstalment Premium (Rs.): (incl. rider Product Code: PIWL15G
premium and GST) 52,250

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy.

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.

Name of the Proposer: RAJAT RANJAN Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 1 of 8
 Policy Details
Policy Option: Whole Life Income Option Sum Assured Rs. 6,72,533
Bonus Type : Cash Bonus Sum Assured on Death (at inception of the policy) Rs. 5,25,000

Premium Summary
Bharti AXA Life Unnati Plan Total Instalment Premium
Instalment Premium without GST (Rs.) 50,000 50,000
GST in the First Year 2,250 2,250
Instalment Premium with First Year GST (Rs.) 52,250 52,250
GST from 2nd Year onwards 1,125 1,125
Instalment Premium with GST 2nd Year Onwards (Rs.) 51,125 51,125

Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

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

Single / Maturity Benefit Death Benefit

Policy Annualized Total
Total
Year Premium Surrender Total Total
Guaranteed Survival Surrender Death Maturity Reversionary Cash Surrender Reversionary Cash Benefit, Total Death Total Death
Benefit Benefit Benefit Bonus Benefit, incl Maturity Maturity
Additions. Benefit Bonus Bonus Bonus incl Benefit,incl Benefit, incl Benefit incl Benefit incl
(1) Terminal of Terminal of Terminal
(2) Terminal Terminal Terminal
(3) (5) (8) Bonus (11) (12) Bonus Bonus if any Bonus if any
(4) (6) (7) (9) Bonus, if any Bonus, if any
@ 4% @ 8% @ 4% @ 8%
(10)
(13)
(6+8) (6+11)
(7+8) (7+11)

1 50,000 - - - 5,25,000 - - - - - - - - - 5,25,000 5,25,000

2 50,000 - 11,433 18,567 5,25,000 - - - 21,404 - - 21,404 - - 5,25,000 5,25,000

3 50,000 - 11,433 29,634 5,25,000 - - - 31,992 - - 31,992 - - 5,25,000 5,25,000

4 50,000 - 11,433 65,701 5,25,000 - - - 65,701 - - 65,701 - - 5,25,000 5,25,000

Name of the Proposer: RAJAT RANJAN Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 2 of 8
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

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

Single / Maturity Benefit Death Benefit

Policy Annualized Total
Total
Year Premium Surrender Total Total
Survival Death Maturity Cash Surrender Total Death Total Death
Guaranteed Surrender Reversionary Reversionary Cash Benefit, Maturity Maturity
Benefit Benefit Benefit Bonus Benefit, incl Benefit incl Benefit incl
(1) Additions. Benefit Bonus Terminal Bonus Bonus incl Benefit,incl Benefit, incl
Terminal of Terminal of Terminal
(2) Bonus Terminal Terminal Bonus if any Bonus if any
(3) (5) (8) (11) (12) Bonus Bonus, if any Bonus, if any
(4) (6) (7) (9) @ 4% @ 8%
(10) @ 4% @ 8%
(13)
(6+8) (6+11)
(7+8) (7+11)

5 50,000 - 11,433 79,268 5,25,000 - - - 79,268 - - 79,268 - - 5,25,000 5,25,000

6 50,000 - 11,433 92,835 5,25,000 - - - 92,835 - - 92,835 - - 5,25,000 5,25,000

7 50,000 - 11,433 1,06,402 5,25,000 - - - 1,06,402 - - 1,06,402 - - 5,25,000 5,25,000

8 50,000 - 11,433 1,19,969 5,25,000 - - - 1,19,969 - - 1,19,969 - - 5,25,000 5,25,000

9 50,000 - 11,433 1,33,536 5,25,000 - - - 1,33,536 - - 1,33,536 - - 5,25,000 5,25,000

10 50,000 - 11,433 1,47,102 5,25,000 - - - 1,47,102 - - 1,47,102 - - 5,25,000 5,25,000

11 50,000 - 11,433 1,60,669 5,77,500 - - - 1,60,669 - - 1,60,669 - - 5,77,500 5,77,500

12 50,000 - 11,433 1,74,236 6,30,000 - - - 1,74,236 - - 1,74,236 - - 6,30,000 6,30,000

13 50,000 - 11,433 1,87,803 6,82,500 - - - 2,14,731 - - 2,70,978 - - 6,82,500 6,82,500

14 50,000 - 11,433 2,36,370 7,35,000 - - - 2,89,160 - - 3,73,710 - - 7,35,000 7,35,000

15 50,000 - 11,433 2,52,437 7,87,500 - - - 3,65,692 - - 4,86,748 - - 7,87,500 8,12,373

16 - - 11,433 2,41,004 7,87,500 - - 2,219 5,17,550 - 39,478 6,88,586 - - 7,87,500 8,17,485

17 - - 11,433 2,29,571 7,87,500 - - 2,219 5,20,912 - 39,478 6,91,391 - - 7,87,500 8,22,932

Name of the Proposer: RAJAT RANJAN Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 3 of 8
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

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

Single / Maturity Benefit Death Benefit

Policy Annualized Total
Total
Year Premium Surrender Total Total
Survival Death Maturity Cash Surrender Total Death Total Death
Guaranteed Surrender Reversionary Reversionary Cash Benefit, Maturity Maturity
(1) Additions. Benefit Benefit Benefit Benefit Bonus Bonus Benefit, incl Bonus Bonus incl Benefit,incl Benefit, incl
Benefit incl Benefit incl
Terminal of Terminal of Terminal
(2) Terminal Terminal Terminal
(3) (5) (8) Bonus (11) (12) Bonus Bonus if any Bonus if any
(4) (6) (7) (9) Bonus, if any Bonus, if any
@ 4% @ 8%
(10) @ 4% @ 8%
(13)
(6+8) (6+11)
(7+8) (7+11)

18 - - 11,433 2,18,138 7,87,500 - - 2,219 5,24,477 - 39,478 7,03,160 - - 7,87,500 8,28,783

19 - - 11,433 2,06,705 7,87,500 - - 2,219 5,36,056 - 39,478 7,09,973 - - 7,87,500 8,34,970

20 - - 11,433 2,32,772 7,87,500 - - 2,219 5,41,061 - 39,478 7,17,324 - - 7,87,500 8,41,494

21 - - 11,433 2,21,339 7,87,500 - - 2,219 5,53,199 - 39,478 7,24,829 - - 7,87,500 8,48,488

22 - - 11,433 2,09,906 7,87,500 - - 2,219 5,67,699 - 39,478 7,40,271 - - 7,87,500 8,55,886

23 - - 11,433 1,98,473 7,87,500 - - 2,219 5,77,040 - 39,478 7,48,738 - - 7,87,500 8,63,755

24 - - 11,433 1,87,040 7,87,500 - - 2,219 5,86,671 - 39,478 7,57,629 - - 7,87,500 8,72,162

25 - - 11,433 1,75,607 7,87,500 - - 2,219 5,96,705 - 39,478 7,67,058 - - 7,87,500 8,81,039

26 - - 11,433 1,64,173 7,87,500 - - 2,219 6,07,096 - 39,478 7,76,910 - - 7,87,500 8,90,522

27 - - 11,433 1,90,240 7,87,500 - - 2,219 6,23,828 - 39,478 7,95,122 - - 7,87,500 9,00,610

28 - - 11,433 1,78,807 7,87,500 - - 2,219 6,41,906 - 39,478 8,13,065 - - 7,87,500 9,11,303

29 - - 11,433 1,67,374 7,87,500 - - 2,219 6,48,369 - 39,478 8,19,529 - - 7,87,500 9,22,669

30 - - 11,433 1,55,941 7,87,500 - - 2,219 6,60,367 - 39,478 8,31,863 - - 7,87,500 9,34,707

Name of the Proposer: RAJAT RANJAN Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 4 of 8
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

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

Maturity Benefit Death Benefit

Single /
Policy Annualized Total
Total
Year Premium Surrender Total Total
Survival Death Maturity Cash Surrender Total Death Total Death
Guaranteed Surrender Reversionary Reversionary Cash Benefit, Maturity Maturity
Benefit Benefit Benefit Bonus Benefit, incl Benefit incl Benefit incl
(1) Additions. Benefit Bonus Bonus Bonus incl Benefit,incl Benefit, incl
Terminal of Terminal of Terminal
(2) Bonus Terminal Terminal Terminal
(3) (5) (8) (11) (12) Bonus Bonus if any Bonus if any
(4) (6) (7) (9) Bonus, if any Bonus, if any @ 4% @ 8%
(10) @ 4% @ 8%
(13)
(6+8) (6+11)
(7+8) (7+11)

31 - - 11,433 1,44,508 7,87,500 - - 2,219 6,79,379 - 39,478 8,51,615 - - 7,87,500 9,47,552

32 - - 11,433 1,33,075 7,87,500 - - 2,219 6,87,026 - 39,478 8,60,338 - - 7,87,500 9,61,138

33 - - 11,433 1,59,142 7,87,500 - - 2,219 7,13,524 - 39,478 8,90,131 - - 7,89,709 9,75,664

34 - - 11,433 1,47,709 7,87,500 - - 2,219 7,22,065 - 39,478 9,00,623 - - 8,03,092 9,90,998

35 - - 11,433 1,36,276 7,87,500 - - 2,219 7,42,867 - 39,478 9,23,778 - - 8,16,947 10,07,341

36 - - 11,433 1,24,843 7,87,500 - - 2,219 7,59,027 - 39,478 9,42,831 - - 8,31,204 10,24,759

37 - - 11,433 1,13,410 7,87,500 - - 2,219 7,68,752 - 39,478 9,56,053 - - 8,46,067 10,43,187

38 - - 11,433 1,01,977 7,87,500 - - 2,219 7,98,337 - 39,478 9,91,690 - - 8,61,334 10,62,757

39 - - 11,433 1,28,044 7,87,500 - - 2,219 8,16,132 - 39,478 10,14,260 - - 8,77,206 10,83,606

40 - - 11,433 1,16,611 7,87,500 - - 2,219 8,34,170 - 39,478 10,37,813 - - 8,93,548 11,05,732

41 - - 11,433 1,05,178 7,87,500 - - 2,219 8,52,994 - 39,478 10,62,959 - - 9,10,496 11,29,204

42 - - 11,433 93,744 7,87,500 - - 2,219 8,65,516 - 39,478 10,82,543 - - 9,28,049 11,54,155

43 - - 11,433 82,311 7,87,500 - - 2,219 8,90,548 - 39,478 11,15,645 - - 9,46,140 11,80,652

Name of the Proposer: RAJAT RANJAN Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 5 of 8
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

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

Maturity Benefit Death Benefit

Single /
Policy Annualized Total
Total
Year Premium Surrender Total Total
Survival Death Maturity Cash Surrender Total Death Total Death
Guaranteed Surrender Reversionary Reversionary Cash Benefit, Maturity Maturity
Benefit Benefit Benefit Bonus Benefit, incl Benefit incl Benefit incl
(1) Additions. Benefit Bonus Bonus Bonus incl Benefit,incl Benefit, incl
Terminal Terminal of Terminal of Terminal
(2) Bonus Terminal Terminal
(3) (5) (8) (11) (12) Bonus Bonus if any Bonus if any
(4) (6) (7) (9) Bonus, if any Bonus, if any @ 4% @ 8%
(10) @ 4% @ 8%
(13)
(6+8) (6+11)
(7+8) (7+11)

44 - - 11,433 70,878 7,87,500 - - 2,219 9,19,366 - 39,478 11,55,896 - - 9,64,904 12,08,832

45 - - 11,433 59,445 7,87,500 - - 2,219 9,40,699 - 39,478 11,87,518 - - 9,84,340 12,38,692

46 - - 11,433 85,512 7,87,500 - - 2,219 9,62,590 - 39,478 12,20,708 - - 10,04,382 12,70,503

47 - - 11,433 74,079 7,87,500 - - 2,219 9,85,153 - 39,478 12,55,848 - - 10,25,163 13,04,264

48 - - 11,433 62,646 7,87,500 - - 2,219 10,08,524 - 39,478 12,93,072 - - 10,46,684 13,40,110

49 - - 11,433 51,213 7,87,500 - - 2,219 10,41,982 - 39,478 13,45,093 - - 10,68,945 13,78,243

50 - - 11,433 39,780 7,87,500 - - 2,219 10,66,920 - 39,478 13,87,046 - - 10,92,013 14,18,662

51 - - 11,433 28,347 7,87,500 - - 2,219 10,99,457 - 39,478 14,38,346 - - 11,15,887 14,61,704

52 - - 11,433 54,414 7,87,500 - - 2,219 11,20,850 - 39,478 14,80,319 - - 11,40,569 15,07,369

53 - - 11,433 42,981 7,87,500 - - 2,219 11,48,068 - 39,478 15,30,066 - - 11,66,193 15,55,993

54 - - 11,433 31,548 7,87,500 - - 2,219 11,83,039 - 39,478 15,89,586 - - 11,92,691 16,07,576

55 - - 11,433 20,115 7,87,500 - - 2,219 12,24,346 - 39,478 16,62,233 - - 12,20,197 16,62,522

56 - - 11,433 8,682 7,87,500 - - 2,219 12,62,573 - 39,478 17,30,051 - - 12,48,646 17,20,898

Name of the Proposer: RAJAT RANJAN Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 6 of 8
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

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

Maturity Benefit Death Benefit

Single /
Policy Annualized Total
Total
Year Premium Surrender Total Total
Survival Death Maturity Cash Surrender Total Death Total Death
Guaranteed Surrender Reversionary Reversionary Cash Benefit, Maturity Maturity
Benefit Benefit Benefit Bonus Benefit, incl Benefit incl Benefit incl
(1) Additions. Benefit Bonus Bonus Bonus incl Benefit,incl Benefit, incl
Terminal Terminal of Terminal of Terminal
(2) Bonus Terminal Terminal
(3) (5) (8) (11) (12) Bonus Bonus, if any Bonus, if any Bonus if any Bonus if any
(4) (6) (7) (9) @ 4% @ 8%
(10) @ 4% @ 8%
(13)
(6+8) (6+11)
(7+8) (7+11)

57 - - 11,433 - 7,87,500 - - 2,219 13,02,844 - 39,478 18,02,536 - - 12,78,237 17,82,973

58 - - 11,433 23,316 7,87,500 - - 2,219 13,44,992 - 39,478 18,79,723 - - 13,08,837 18,49,016

59 - - 11,433 - 7,87,500 6,72,533 - 2,219 - - 39,478 - 13,83,400 19,97,423 13,49,324 19,63,212

Notes: Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any and Goods & Services Tax.

Name of the Proposer: RAJAT RANJAN Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 7 of 8
 Explanation & Information
1. This benefit illustration explains the benefits and features of the proposed policy and is not a contract of insurance.
2. The above illustrated benefits are assumed to occur at the end of policy year.
3. The illustrated values based on the assumption of 4% and 8% gross investment returns per annum are not guaranteed and are for illustration purpose only.
4. The illustration is applicable only for a Standard Life(from medical,lifestyle and occupational point of view).
5. Some benefits are guaranteed and some are variable with returns based on the future performance of the insurance company. If your policy offers guaranteed returns then these will be
clearly marked as ""guaranteed"" in the illustration table. If your policy offers variable returns then the illustrations will show two different rates of assumed future investment returns. These
assumed rates of return are not guaranteed and they are not the upper 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 returns.
6. Guaranteed Benefit is the Guaranteed Annual Income, as illustrated in column (4), payable from the end of 2nd policy year until maturity or death, whichever is earlier. Non Guaranteed
benefits include Cash Bonus, and terminal bonus. Cash bonus, as illustrated in column (9) and column (12) for 4% and 8% gross investment returns per annum respectively, are payable every
year, starting from end of {Premium Paying Term + 1} year until maturity or death, whichever is earlier. Terminal Bonus, as applicable, will be is paid on maturity or death, whichever is
earlier.
7. Guaranteed Surrender benefit in (5) is net of any due guaranteed payout payable at the end of policy year.
8. The policy can be surrendered by the policyholder at any time, provided atleast two (2) full years' premiums have been paid. The minimum guaranteed surrender value(GSV) under the policy
is a percentage of all premiums paid till date.The Company may allow surrender values at such other rates not less than the Guaranteed Surrender Value. The Surrender Value receivable,will
be the higher of the Guaranteed Surrender Value (GSV) and the Special Surrender Value (SSV).The Total Surrender Value receivable at 4% and 8% gross investment returns per annum is
illustrated in column (10) and column (13) respectively.The amounts are net of any guaranteed/ non-guaranteed payouts due to be paid at the end of the policy year. The policy will
terminate on the Date of Surrender.
9. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
10. Tax benefits are as per the current tax legislations and are subject to change in tax laws. Neither the company nor its agents can offer legal or tax advice.
11. Bharti AXA Life Insurance Company Ltd. is the name of the Insurance Company and Bharti AXA Life Unnati is the name of the product and does not in any way indicate the quality of the
contract, its future prospects or returns.
12. Goods & Services Tax would be payable as per applicable tax laws

Declaration by Advisor / Sales Person Declaration by Proposer

I, ............ ...... ............ ... (name), have explained the premiums, and benefits under the I, RAJAT RANJAN, having received the information with respect to the above, have understood
product fully to the prospect / policyholder. the above statement before entering into the contract.

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

Name of the Proposer: RAJAT RANJAN Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 8 of 8