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

Add an edge to your life cover

with wealth builder

Invest Plus
Systematic Withdrawal
Life Return of Option (SWO) and Choice of Investment
Cover Mortality Charges Milestone Withdrawal Strategy Options
Option (MWO)
Provides life coverage during the Policy Term and the accumulated fund value at maturity

Key benefits of the plan:

1 Life Insurance Protection to safeguard your family

2 Return of Mortality Charges

3 Build a corpus to fulfil your financial milestones

4 Multiple portfolio management strategies and 10 diverse fund options to manage your corpus

5 Tax benefits may be available as per prevailing Tax Law

The Unit linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Unit Linked Insurance
Product completely or partially till the end of the fifth year.
“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.”
Trade Logo of Canara HSBC Life Insurance Company Limited hereinafter referred to as "Insurer" is used under license with Canara Bank and HSBC Group Management Services Limited. The Insurance products are
offered and underwritten by Insurer (IRDAI Regn. No. 136) having its head office at 139 P, Sector 44, Gurgaon – 122003, Haryana (India). Canara HSBC Life Insurance Company Limited is only the name of the life
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. Unit Linked Insurance products are different
from the traditional insurance products and are subject to the risk factors. 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 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. The premium shall be adjusted on the due date even if it has been received in advance. The
premiums & funds are subject to certain charges related to the fund or to the premium paid. Please know the associated risks and the applicable charges, from your policy document issued by the insurance
company. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Corporate Identity No.: U66010DL2007PLC248825. Website:
www.canarahsbclife.com Call: 1800-103-0003/1800-891-0003. SMS: 7039004411. Missed Call: 8071262709. Email: [email protected]

UIN: 136L085V03 MIS1NJWENFOIPCHOOCT24 ENG

 QuotationNo :100007240000007

Dear KABEER N,
Thank you for your interest in our Canara HSBC Life Insurance Wealth Edge. Based on the details provided by you, and reproduced below,
the illustration customized to your requirements is appended. Please note that this illustration is indicative and the actual values can vary
depending on fund performance.

Date: 18-Nov-2024

Name of the Prospect / Policyholder: KABEER N

Age & Gender: 49,Male

Name of the Life Assured: KABEER N

Age & Gender: 49 Male

Sum Assured: 12,50,000

Plan Option Invest Plus

Policy Term & Premium Payment Term: 10 Years 5 Years

Mode of Payment of Premium Annual

Amount of Instalment Premium 1,25,000

Staff / Non Staff Non Staff

Proposal number
Name of the Product: Canara HSBC Life Insurance Wealth Edge
Tagline A Unit Linked Individual Life Insurance Savings Plan
Unique Identification No: 136L085V03
GST Rate: 18.00%
SSO (Y/N) No
Investment Strategy Opted for:
STO (Y/N) No
If STO, Target Fund -
Systematic Withdrawal Option No
Systematic Withdrawal % (of fund value) per Annum NA
Systematic Withdrawal Payout Frequency NA
Milestone Withdrawal Option No

Page No. Production Release Channel Name : Kerala Gramin Bank Proc hub : Mallapuram Curr Res State : KERALA Version 1.0.0 N Illustration Number : 100007240000007
Funds opted for along with their risk level:
Fund SFIN No Allocation Risk
India Multi-Cap Equity Fund ULIF01816/08/16IMCAPEQFND136 0% High
Equity II Fund ULIF00607/01/10EQUTYIIFND136 0% High
Emerging Leaders Equity Fund ULIF02020/12/17EMLEDEQFND136 100% High
Large Cap Advantage Fund ULIF02109/06/20LARCPEQFND136 0% High
Midcap Momentum Growth Index Fund ULIF02218/03/24 MIDMIEQFND136 0% High
India Manufacturing Fund ULIF02305/11/24INMFGEQFND136 0% High
Growth Plus Fund ULIF00913/09/10GROWTPLFND136 0% Medium To High
Balanced Plus Fund ULIF01013/09/10BLNCDPLFND136 0% Medium
Liquid Fund ULIF00514/07/08LIQUIDFUND136 0% Low
Debt Fund ULIF00409/07/08INDEBTFUND136 0% Low to Medium

How to read and understand this benefit illustration?

This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may grow over the years of the
policy term if the fund earns a gross return of 8 % p.a or 4 % p.a.These rates, i.e., 8 % p.a.and 4 % p.a.are assumed only for the purpose of illustrating the flow of benefits if the
returns are at this level. It should not be interpreted that the returns under the plan are going to be either 8 % p.a.or 4 % p.a.

Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges, underwriting extra, if any,
guarantee charges and cost of riders, if deducted by cancellation of units. It demonstrates the impact of charges exclusive of taxes on the net yield.Please note that the mortality
charges per the thousand sum assured in general, increases with age.Further, Net Yield excludes any addition to the fund during the first five years of Policy.

The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc. The investment risk in
the policy is borne by the policyholder, hence, for more details on terms and conditions please read sales literature carefully.

Part A of this statement presents a summary view of year-by-year charges deduct under the policy, fund value, surrender value and the death benefit, at two assumed rates of
return. Part B of this statement presents a detailed breakup of the charges, and other values.

Page No. Production Release Channel Name : Kerala Gramin Bank Proc hub : Mallapuram Curr Res State : KERALA Version 1.0.0 N Illustration Number : 100007240000007
Part A (Amount in Rupees)
At 4% p.a. Gross Investment Return At 8% p.a. Gross Investment Return
Policy Annualized Mortality, Morbidity Other GST Fund at End Surrender Death Mortality, Morbidity Other GST Fund at End Surrender Death
Year Premium charge Charges* (18%) of Year Value Benefit charge Charges* (18%) of Year Value Benefit
1 1,25,000 3,409 12,750 2,909 1,10,283 1,03,203 12,50,000 3,403 12,782 2,913 1,14,606 1,07,526 12,50,000
2 1,25,000 3,433 11,185 2,631 2,26,910 2,21,010 12,50,000 3,405 11,310 2,649 2,40,341 2,34,441 12,50,000
3 1,25,000 3,396 12,782 2,912 3,46,328 3,41,903 12,50,000 3,321 13,068 2,950 3,74,090 3,69,665 12,50,000
4 1,25,000 3,278 14,418 3,185 4,68,700 4,66,340 12,50,000 3,123 14,938 3,251 5,16,494 5,14,134 12,50,000
5 1,25,000 3,060 16,095 3,448 5,94,214 5,94,214 12,50,000 2,783 16,931 3,548 6,68,274 6,68,274 12,50,000
6 0 3,341 14,054 3,131 6,00,028 6,00,028 12,50,000 2,896 15,260 3,268 7,02,897 7,02,897 12,50,000
7 0 3,627 14,131 3,196 6,05,665 6,05,665 12,50,000 2,973 15,743 3,369 7,39,783 7,39,783 12,50,000
8 0 3,915 14,206 3,262 6,11,118 6,11,118 12,50,000 3,006 16,258 3,468 7,79,139 7,79,139 12,50,000
9 0 4,205 14,278 3,327 6,16,380 6,16,380 12,50,000 2,989 16,809 3,564 8,21,196 8,21,196 12,50,000
10 0 4,497 14,347 3,392 6,75,201 6,75,201 12,50,000 2,916 17,397 3,656 9,19,104 9,19,104 12,50,000
* See Part B for Details

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

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

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

Part B

Gross
8% p.a. Net Yield 5.75 %
Yield
Payouts under
Annualized
Premium Systematic
Premium - Policy
Policy Annualized Allocation Mortality GST Guarantee Other Additions to Fund Before Withdrawal Fund at end of Surrender Death
Premium Admin FMC
Year Premium Charge Charge (18%) Charge Charges the fund FMC Option/Milestone year Value Benefit
Allocation Charge
(PAC) Withdrawal
charge
Option
1 1,25,000 11,250 1,13,750 3,403 2,913 0 0 0 0 1,16,414 1,532 0 1,14,606 1,07,526 12,50,000
2 1,25,000 8,125 1,16,875 3,405 2,649 0 0 0 0 2,44,100 3,185 0 2,40,341 2,34,441 12,50,000
3 1,25,000 8,125 1,16,875 3,321 2,950 0 0 0 0 3,79,922 4,943 0 3,74,090 3,69,665 12,50,000
4 1,25,000 8,125 1,16,875 3,123 3,251 0 0 0 0 5,24,534 6,813 0 5,16,494 5,14,134 12,50,000
5 1,25,000 8,125 1,16,875 2,783 3,548 0 0 0 0 6,78,665 8,806 0 6,68,274 6,68,274 12,50,000
6 0 0 0 2,896 3,268 6,000 0 0 3,425 7,10,399 9,260 0 7,02,897 7,02,897 12,50,000
7 0 0 0 2,973 3,369 6,000 0 0 3,604 7,47,676 9,743 0 7,39,783 7,39,783 12,50,000
8 0 0 0 3,006 3,468 6,000 0 0 3,794 7,87,450 10,258 0 7,79,139 7,79,139 12,50,000
9 0 0 0 2,989 3,564 6,000 0 0 3,998 8,29,952 10,809 0 8,21,196 8,21,196 12,50,000
10 0 0 0 2,916 3,656 6,000 0 0 57,113 8,75,439 11,397 0 9,19,104 9,19,104 12,50,000
*Additions to the fund indicate the Loyalty Additions, Wealth Boosters & Return of Mortality charges.

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

Gross
4% p.a.
Yield
Payouts under
Annualized
Premium Systematic
Premium - Policy
Policy Annualized Allocation Mortality GST Guarantee Other Additions to Fund Before Withdrawal Fund at end of Surrender Death
Premium Admin FMC
Year Premium Charge Charge (18%) Charge Charges the fund FMC Option/Milestone year Value Benefit
Allocation Charge
(PAC) Withdrawal
charge
Option
1 1,25,000 11,250 1,13,750 3,409 2,909 0 0 0 0 1,12,054 1,500 0 1,10,283 1,03,203 12,50,000
2 1,25,000 8,125 1,16,875 3,433 2,631 0 0 0 0 2,30,521 3,060 0 2,26,910 2,21,010 12,50,000
3 1,25,000 8,125 1,16,875 3,396 2,912 0 0 0 0 3,51,824 4,657 0 3,46,328 3,41,903 12,50,000
4 1,25,000 8,125 1,16,875 3,278 3,185 0 0 0 0 4,76,126 6,293 0 4,68,700 4,66,340 12,50,000
5 1,25,000 8,125 1,16,875 3,060 3,448 0 0 0 0 6,03,619 7,970 0 5,94,214 5,94,214 12,50,000
6 0 0 0 3,341 3,131 6,000 0 0 2,979 6,06,552 8,054 0 6,00,028 6,00,028 12,50,000
7 0 0 0 3,627 3,196 6,000 0 0 3,007 6,12,252 8,131 0 6,05,665 6,05,665 12,50,000
8 0 0 0 3,915 3,262 6,000 0 0 3,035 6,17,766 8,206 0 6,11,118 6,11,118 12,50,000
9 0 0 0 4,205 3,327 6,000 0 0 3,062 6,23,086 8,278 0 6,16,380 6,16,380 12,50,000
10 0 0 0 4,497 3,392 6,000 0 0 56,846 6,28,204 8,347 0 6,75,201 6,75,201 12,50,000
*Additions to the fund indicate the Loyalty Additions, Wealth Boosters & Return of Mortality charges.

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

Page No. Production Release Channel Name : Kerala Gramin Bank Proc hub : Mallapuram Curr Res State : KERALA Version 1.0.0 N Illustration Number : 100007240000007
Notes:

1. Please refer to the product brochure or sample policy contract of this plan on our website www. canarahsbclife.com for detailed product features, conditions and a glossary of terms used.
2. Fund management charge is based on the specific fund option(s) chosen.
3. In case rider charges are collected explicitly through collection of rider premium, and not by way of cancellation of units, then such charges are not considered in this illustation. In other cases,
rider charges are included in other charges.
4. Under 'Premium Plus', Premium Funding Benefit Charges will be shown in Other Charges.
5. Systematic Withdrawal Option (SWO) is a systematic partial withdrawal facility. Under this option, 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 starting from the chosen Policy year. The Policyholder can choose SWO at inception or anytime during the Policy Term. For more details regarding
SWO, please refer to the product brochure or sample policy contract on the Company's website.
6. Under Milestone Withdrawal Option (MWO), at the end of the 10th Policy Year and every 5th year thereafter (excluding the milestone coinciding with the Policy Maturity Date), 20% of the
available fund value as on the date of payment will be given to the Policyholder. For more details regarding MWO, please refer to the product brochure or sample policy contract on the Company's
website.
7. Only one of ‘Milestone Withdrawal Option’ or ‘Systematic Withdrawal Option’ can be exercised during the Policy Term. Either of the two options can be chosen and changed up to anytime before
the payout starts however once the payout from either of the options has started, the Policyholder cannot switch his / her withdrawal option or opt for other withdrawal option. Policyholder can
opt out of this option at anytime even after the withdrawals have started but will not be allowed to opt for other withdrawal option available in the Plan.
8. Goods and Services Tax under Goods and Services Tax Scheme and other levy(ies), etc by whatever name called have been considered as per the prevailing laws on the date of issuance of this
Benefit Illustration and are subject to change. Liability for bearing Goods and Services Tax including applicable cess(es)/other levy, if any, at the applicable rates on all charges levied under the
policy will be on the policyholder.
9. The benefit illustration is subject to payment of stipulated premiums on due dates. The premium shall be adjusted on the due date even if it has been received in advance.
10. At anytime, the Death Benefit will not be less than 105% of all Premiums paid by you upto the date of death.

Disclaimers:

1. 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
returns then these will be clearly marked "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 performance.
2. Canara HSBC Life Insurance Company Limited is the name of the insurance company and Canara HSBC Life Insurance Wealth Edge is only the name of the unit linked life insurance contract and
does not in any way indicate the quality of the contract, its future prospects or returns.
3. 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.
4. Linked insurance products are different from the traditional insurance products and are subject to the risk factors..
5. The premium paid in unit linked insurance policies are subject to investment risks associated with capital market, money market and other financial instruments and the NAVs of the units may go
up or down based on the performance of fund and factors influencing the capital market, money market and other financial instruments and the insured is responsible for his/her decisions.
6. 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.
7. You may be entitled for tax benefits under Section 80C and Section 10(10D), as per the Income Tax Act, 1961, as amended from time to time. For tax related queries, please contact your
independent tax advisor.

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

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

Page No. Production Release Channel Name : Kerala Gramin Bank Proc hub : Mallapuram Curr Res State : KERALA Version 1.0.0 N Illustration Number : 100007240000007
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.
Version 3

WEALTH EDGE:
Key Informa�on Document (KID)
There is no compulsion or requirement to take this
Life Insurance Policy as a condi�on/part of bank Loan

2 Other Important Aspects you must know:

1
Mul�ple Plan Op�ons: Death Benefit:
Three Plan Op�ons to
1. Invest Plus and Life Plus: In case of an unfortunate death of the

3
choose from: ‘Invest
Plus’, ‘Premium Plus’ or Life Assured, a lumpsum death benefit shall be payable, provided
‘Life Plus’ for different the policy is in-force. The death benefit payable is higher of:
life stages
Protec�on for • Sum Assured less par�al withdrawals/withdrawals under
your loved ones: Choice of Investment
Life cover Strategies – Flexibility Milestone Withdrawal Op�on (MWO)/withdrawals under
throughout the to op�mize your System Withdrawal Op�on(SWO), if any, in the preceding
policy term investments through two years, or
mul�ple por�olio
management strategy • Fund Value as on date of in�ma�on of death claim, or
op�ons

7
• 105% of all Premiums paid up to the date of death

7
2. Premium Plus: In case of an unfortunate death of the Life
IMPORTANT

4
Assured, a lumpsum death benefit shall be payable, provided the
Pay as you want- Flexibility ASPECTS ABOUT policy is in-force. The death benefit payable is higher of:
to customize your premium
payment op�ons - pay WEALTH EDGE • Sum Assured, or
premium one-�me or for a Enhance your • 105% of total premiums paid up to the date of death.
limited period or for the corpus: Get
en�re Policy Term Future premiums will be waived off and future premiums shall
rewarded for staying
invested longer with funded by the company. All the charges, except Mortality charges
Loyalty Addi�ons & and Premium Funding Benefit charges, shall con�nue to be

6
Wealth Boosters deducted from the unit account un�l maturity of the Policy. At

5
maturity, Fund Value is payable.
Maturity Benefit:
Be�er Value for Higher
Premiums: Advantage 1. Invest Plus and Life Plus: In case the Life Assured survives �ll
of lower premium the maturity of the Policy, Fund Value as on the date of
alloca�on charge by Return of Mortality maturity is payable to the Policyholder and the Policy will
op�ng for a higher Charges: Mortality
premium amount Charges returned at terminate upon payment of such benefit.
policy maturity 2. Premium Plus: Fund Value as on the date of maturity is
payable to the Life Assured, if they are alive or to the
Nominee(s), if the Life Assured is not alive.
POLICY CHARGES: • The Plan allows par�al withdrawals as well as SWO or MWO.
• In case of non-payment of premium during first 5 policy
• A mortality charge will be levied to provide life cover but will be refunded at the �me of maturity, years, the Fund Value (a�er surrender charges) will be
provided all the future premiums have been paid. moved to Discon�nuance Policy Fund’ as per policy terms
• The Premium Funding Benefit charge will apply on the present value of future premiums payable and condi�ons.
by the Life Assured for an in-force Policy. This charge is only applicable to Premium Plus. • Premiums paid and maturity proceeds may be eligible for tax
• Few other charges to provide for policy administra�on and other services will also be applicable. benefits. Tax benefits under the Policy will be as per the
• Applicable taxes including Goods and Services Tax, government regula�ons, will be levied prevailing Income Tax Laws and are subject to amendments
addi�onally and borne by you. from �me to �me. For tax related queries, contact your
Details of benefits and charges are available in your personalized benefit illustra�on and independent tax advisor.
sales literature. • This product does not offer any liquidity during first five years
of the contract. The funds invested in this product will not be
available to the Policyholder �ll the end of 5th Policy Year.
IMPORTANT DISCLOSURE REQUIREMENT:

Please provide correct and complete details, including informa�on on all medical ailments such as diabetes, hypertension, heart diseases, cancer, etc. in the
proposal form, otherwise, there is a risk of your policy benefit/claim being denied.

I have been briefed on the benefits and features of Canara HSBC Life Insurance Wealth Edge. I have understood the informa�on and risks associated with this plan.
I confirm that my selec�on of the above policy is in keeping with my life insurance/investment objec�ves

I have briefed ______________________________in________________________________________language on the benefits and features of this insurance plan.

Name:________________________________________________Signature:__________________________________ Date:________________________________

Code:______________________________________________________Proposal Number:___________________________________________________________

IMPORTANT INFORMATION:

This is the Key Informa�on document about Canara HSBC Life Insurance Wealth Edge and it doesn’t replace the full policy terms and condi�ons (which you should read
carefully on receipt). Canara HSBC Life Insurance Wealth Edge is A Linked Individual Savings Life Insurance Plan. We strongly advise that the Policy should be con�nued
throughout the defined policy term to realize the full benefits. Along with this document, you should also receive a personalized benefit illustra�on.
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.
For more details on risk factors, terms and condi�ons, please read the sales brochure carefully before concluding a sale. You can also speak to your sales representa�ve, or
visit our website www.canarahsbclife.com. There are restric�ons on requests of Increase or Decrease in Sum Assured, Changes in Funds (including Fund Switch and
Redirec�on), Revival of Policies, any request that results in change of premium or policy feature while the customer is in the US. The Company reserves the right to restrict
any other policy servicing request basis the applicable US Laws.
You will shortly receive a call to verify the details filled up by you in the Proposal Form. Kindly a�end the call to confirm your understanding of the proposed Life
Insurance plan.
Canara HSBC Life Insurance Wealth Edge (UIN: 136L085V03)

The informa�on provided here is indica�ve of your policy terms and condi�ons. The Insurance products are offered and underwri�en
by Canara HSBC Life Insurance Company Limited (IRDAI Regn.No.136), 139 P, Sector 44, Gurgaon – 122003, Haryana, India.