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

Invest Protect Goal II

A Unit-linked Non-Participating
Individual Life Savings Insurance Plan
 Bajaj Allianz Life
Invest Protect Goal II

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 or withdraw the monies invested in unit linked insurance products completely or partially till the end of the
fifth year.

About Bajaj Allianz Life Insurance

• Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE. Both enjoy a reputation of expertise,
stability and strength. 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. Competitive pricing and quick honest response have earned
the Company the customer’s trust and market leadership in a very short time.

• Bajaj Allianz Life Invest Protect Goal II is Unit Linked Insurance Plan (ULIP). Investment in ULIPs is subject to risks
associated with the capital markets. The policyholder is solely responsible for his/her decisions while investing in
ULIPs.

Introduction
We plan to provide a life full of happiness and comfort to our loved ones. However, life is full of uncertainties. It is
important not just to protect your family against these uncertainties but also to create a savings kitty for fulfilling your
own life goals.

Introducing Bajaj Allianz Life Invest Protect Goal II, a Unit Linked Life Insurance product that helps you secure the
financial future of your loved ones while providing life cover throughout the policy term along with market-linked
returns on your invested premiums.

Reasons to buy this product

Lump sum payout for your loved ones in Fund Maintenance Booster to ensure
you remain protected throughout your
your absence
chosen policy term
Helps to grow your invested corpus
through market linked returns Riders will be available to provide en-
hanced protection
Return of Charges to help boost your fund
value Tax benefit as per applicable laws

Loyalty additions as a reward for staying

invested

Product at a glance

Age at Entry for Life Assured (in years)

Minimum 18 years
Maximum 60 years
Age at Maturity (in years)
Minimum 38 years
Maximum 100 years
Policy Term (in years)
Minimum 20 years
Maximum 40 years
Bajaj Allianz Life
Invest Protect Goal II

Premium Payment Term (in years)

Limited Pay 5,6,7,8,9,10,11,12
Regular Pay Equal to Policy Term
Premium Mode
PPT (in years) Yearly Half Yearly Quarterly Monthly Top-Up
Minimum 5 to 7 `48,000 `24,000 `12,000 `4,000
`5,000
8 and above `18,000 `9,000 `4,500 `1,500
Maximum All No Limit, subject to Board Approved Underwriting Policy (BAUP)
Sum Assured
Minimum 7 X Annualised Premium
Maximum As per maximum Sum Assured (SA) multiple allowed
Top-up 1.25 X Top-Up Premium
All ages mentioned above are as per age on last birthday
Minimum and Maximum Sum Assured will be subject to prevailing Board Approved Underwriting Policy (BAUP)

How does the product work?

Step 1 – Select the Premium Payment Term and the Policy Term for which you wish to remain protected.
Step 2 – Select the level of protection you wish to get
Step 3 – Decide the portfolio strategy and the funds you want to stay invested in
On Maturity, get the Total Fund Value or in case of unfortunate death, nominee will receive the Death Benefit.

Benefits
 Death Benefit
On death of the Life Assured during the policy term, the following shall be payable –
Higher of Prevailing Sum Assured* or Regular Premium Fund Value Plus
Higher of Top-up Premium fund value or Top-up premium Sum Assured, if any
The total death benefit shall not be less than Guaranteed Benefit of 105% of the total premiums including Top-Up
premiums, if any, received up to the date of death
Note -
• All the above are as on date of intimation of death of the Life Assured
• Benefit is payable if premiums are paid up to date and policy is in-force
*The Sum Assured chosen by the policyholder will be reduced to the extent of the partial withdrawals made from
the Regular Premium Fund during the two (2) years period immediately preceding the date of death of the Life
Assured. The partial withdrawal made from the Top-Up Premium Fund shall not be deducted for calculating this
Sum Assured.

 Maturity Benefit
On survival of Life Assured to the maturity date, %Fund Value as on the date of Maturity, shall be payable.

 Loyalty Advantage
As a reward for paying premiums regularly, we will contribute to your fund by allocating extra units, at the end of
specific policy years, as mentioned below -

• Return of Premium Allocation Charge (ROAC) – At the end of 20th Policy year, we will add back all the premium
allocation charges with respect to your Regular/Limited premiums to your fund. This will exclude any GST and cess
deducted with respect to these charges. There will not be any return of premium allocation charges with respect
to the Top-Up Premiums paid, and Surrendered/Discontinued/Paid-up policies. The total amount of premium
allocation charges added into each fund available in the policy will be in the same proportion of the Fund Value as at
the date of addition. Unit Price/NAV as on the date of ROAC addition will be used for the unitization.
 Bajaj Allianz Life
Invest Protect Goal II

• Return of Mortality Charge (ROMC) – Mortality charge deducted during the policy term shall be added back to your
fund as per the table given below –
At the end of Policy Year Return of Mortality Charges
7 25% of the Mortality charge deducted till 7th year
50% of the total Mortality charge deducted till end of the 15th year Less Mortality
15
charge already returned
100% of Mortality charges deducted till the end of the 20th Policy Year Less Mortality
20
charge already returned
25 or at Maturity 100% of Mortality charges deducted from 21st Policy Year to (end of the 25th Policy
whichever is earlier Year or till Maturity, whichever is earlier)
30 or at Maturity 100% of Mortality charges deducted from 26th Policy Year to (end of the 30th Policy
whichever is earlier Year or till Maturity, whichever is earlier)
35 or at Maturity 100% of Mortality charges deducted from 31st Policy Year to (end of the 35th Policy
whichever is earlier Year or till Maturity, whichever is earlier)
40 or at Maturity 100% of Mortality charges deducted from 36th Policy Year to (end of the 40th Policy
whichever is earlier Year or till Maturity, whichever is earlier)

o This above addition will be done to the Regular Premium Fund Value and will exclude, Top-Up Premium Fund Value,
any extra mortality charge and/or any GST and cess with respect to the mortality charges deducted.
o Return of mortality charges will not be offered in case the policy is terminated, surrendered, discontinued or paid up.
There will not be any ROMC w.r.t. any Top-Up Premiums paid
o The amount of ROMC will be added into the Funds in the same proportion as the value of those Funds as at the date of
the ROMC addition. Unit Price/NAV as on the date of ROMC addition will be used for the unitization.

 Loyalty Addition - We will contribute to your fund by adding a specific percentage of the average of your previous
Three years’ daily Regular Premium Fund Value as mentioned below –
End of Policy Year 20th year 25th year 30th year 35th year 40th year
LA %-ages 2.50% 2.50% 3.00% 4.00% 4.50%

• The Three years in consideration will include the current year

• The Top-Up premium Fund Value will not be considered for this addition
• Loyalty addition will not be offered in case the policy is terminated, surrendered, discontinued or paid up.
• The amount of LAs will be added into each fund available in the policy will be in the same proportion of the Regular
Premium Fund Value (as applicable in the policy) as at the date of Loyalty Addition. Unit Price as on the date of Loyalty
Addition will be used for the unitisation.

 Fund Maintenance Booster (FMB) – From the 4th policy year, at the start of any policy month, after premium payment
(if any) and before any due charges are deducted, if your Total Fund Value falls below one Annualized Premium, then, we
shall add FMB to your Regular Premium Fund Value
o FMB = One Annualized Premium – Total Fund Value
• No FMB will be available in a surrendered Policy (after the date of surrender), a Discontinued Policy or a Policy
converted to paid-up
• FMB will only be added to the Regular Premium Fund Value and not to Top-Up Premium Fund Value.
• The amount of FMB that will be added into each fund available in the policy will be in the same proportion of the
Regular Premium Fund Value (as applicable in the policy) as at the date of addition of FMB. Unit Price as on the date
of FMB will be used for the unitization.

 Family Benefit
At the inception of the policy, If any of your family member is an existing policyholder of Bajaj Allianz Life Insurance
Company Limited, you will be entitled to a Family Benefit.
The benefit will be paid to you on Maturity and will be added into the Regular Premium Fund Value. Family Benefit will
be 1% of the average of your previous Three years’ daily Regular Premium Fund Value.
 Bajaj Allianz Life
Invest Protect Goal II

Policy Term Family Benefit %

PT >= 20 years 1.00%

The amount of Family Benefit will be allocated in the funds in the same proportion of the fund values as at the date of
addition. Unit Prices as on the date of Family Benefit addition will be used for the unitization.
There will not be any Family Benefit with respect to the Top-Up premiums paid.
Family benefit will not be offered in case the policy is terminated, surrendered, discontinued or paid up.
Family member shall mean spouse, children, brothers, sisters, grandchildren, parents, parents in-laws; and will be available
to family members of existing customers including who have matured policies

Illustration
 For a customer of age 35 years, with Policy term and PPT of 40 years, who buys Bajaj Allianz Life Invest Protect
Goal II for Sum Assured of 1 Cr. The total premiums paid is Rs. 20 Lakhs
o On Survival of Life Assured till Maturity -

Scenario 1: On Survival of Life Assured till Maturity

On survival,
`50,000 p.a. FV @4%# - `25,26,097
paid for 40 years Sum Assured - `1 Cr
throughout policy term FV @8%# - `70,91,187
Total premium `20,00,000

Policy Term - 40 years

o On unfortunate death of Life Assured during the policy term -

Scenario 2: On unfortunate death of Life Assured during the policy term

`50,000 p.a.
paid for 40 years Sum Assured - `1 Cr
Total premium `20,00,000 throughout policy term
On death during policy term,
Death Benefit: Higher of
(1Cr, FV) at the time of death

Policy Term - 40 years

 For the same customer aged 35 years, with Policy term of 40 years, who buys Bajaj Allianz Life Invest Protect
Goal II for Sum Assured of 1 Cr –
PPT (in years) Annual Premium (`) Total Premium FV @4%# (`) FV@8%# (`)
7 1,33,334 9,33,338 12,52,249 65,87,430
10 83,334 8,33,340 12,13,140 50,59,302
12 71,429 8,57,148 11,98,437 49,45,534
The above illustrations are considering investment is in the “Pure Stock Fund II and Goods & Service Tax of 18%”. All figures are in rupees. The premiums are paid
annually. 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.

Rider Available
You have an option to enhance your protection by opting for rider available in the product.
1. Bajaj Allianz Life Linked Accident Protection Rider II UIN: 116A057V01
Please refer to respective rider sales literature or visit the insurance company’s website or consult your insurance consultant for more details and eligibility condition.
Bajaj Allianz Life
Invest Protect Goal II

Investment Strategies
At policy inception, customer can choose any one of the below two mentioned portfolio strategies -
• Investor Selectable Portfolio Strategy
In this strategy, you can choose to invest your premiums in any one or more of the below mentioned funds –
Sr. Asset Risk
Fund name and objective
No Allocation profile
Equity Growth Fund II Equity: Not less than 60% Very
The investment objective of this fund is to provide capital appreciation Bank deposits: 0% to 40% High
1 through investment in selected equity stocks that have the potential Money market instruments, Cash,
for capital appreciation. Mutual funds^: 0% to 40%
SFIN: ULIF05106/01/10EQTYGROW02116
Accelerator Mid-Cap Fund II Equity: Not less than 60%, Out Very
The investment objective of this fund is to achieve capital appreciation of the equity investment at least High
by investing in a diversified basket of mid cap stocks and large cap 50% will be in mid cap stocks
2
stocks. Bank deposits: 0% to 40%
SFIN: ULIF05206/01/10ACCMIDCA02116 Money market instruments, Cash,
Mutual funds^: 0% to 40%
Pure Stock Fund Equity: Not less than 60% Very
The investment objective of this fund is to specifically exclude Bank deposits: 0% to 40% High
3 companies dealing in Gambling, Contests, Liquor, Entertainment Money market instruments, Cash,
(Films, TV etc.), Hotels, Banks and Financial Institutions Mutual funds^: 0% to 40%
SFIN: ULIF02721/07/06PURESTKFUN116
Pure Stock Fund II Equity: Not less than 75% Very
The investment objective of this fund is to specifically exclude Money market instruments, Cash, High
4 companies dealing in Gambling, Contests, Liquor, Entertainment Fixed deposits, Mutual funds^: 0%
(Films, TV etc.), Hotels, Tobacco and Tobacco related Institutions to 25%
SFIN: ULIF07709/01/17PURSTKFUN2116
Bluechip Equity Fund Equity: Not less than 60% High
The investment objective of this fund is to provide capital Bank deposits: 0% to 40%
5 appreciation through investment in equities forming part of NSE Money market instruments, Cash,
NIFTY. Mutual funds^: 0% to 40%
SFIN: ULIF06026/10/10BLUECHIPEQ116
Asset Allocation Fund II Equity: 40% - 90% High
The investment objective of this fund will be to realize a level of Debt, Bank deposits & Fixed Income
total income, including current income and capital appreciation, Securities: 0% - 60%
which is consistent with reasonable investment risk. The Money market instruments: 0% -
investment strategy will involve a flexible policy for allocating 50%
6 assets among equities, bonds and cash. The fund strategy will
be to adjust the mix between these asset classes to capitalize
on the changing financial markets and economic conditions. The
fund will adjust its weights in equity, debt and cash depending on
the relative attractiveness of each asset class
SFIN: ULIF07205/12/13ASSETALL02116
Flexi Cap Fund Equity and equity related instruments: Very
To achieve capital appreciation by investing in a diversified basket 65%- 100% High
7 of stocks across market capitalization i.e. Large cap, mid cap and Cash, bank deposits, liquid mutual
small cap funds and money market instruments:
SFIN: ULIF07917/11/21FLXCAPFUND116 0%- 35%
Sustainable Equity Fund Equity and equity related instruments: Very
To focus on investing in select companies from the Investment 65%- 100% High
8 universe, which conduct business in socially and environmentally Cash, bank deposits, liquid mutual
responsible manner while maintaining governance standards funds and money market instruments:
SFIN: ULIF08017/11/21SUSEQUFUND116 0%- 35%
Bajaj Allianz Life
Invest Protect Goal II

Small Cap Fund Equity : 65%-100% Very

To achieve capital appreciation by investing in a diversified basket Bank deposits, money market High
9
of predominantly small cap stocks. instrument and mutual funds^:
SFIN: ULIF08717/01/23SMALLCAPFU116 0%-35%
Dynamic Asset Allocation Fund Equity and Equity related High
The investment objective of this fund will be to realize a steady instrument: 10%-90%
stream of current income and as well as generate capital Debt and Debt related instrument:
appreciation with appropriate risk and return expectations of the 10%-90%
10
asset classes. The investment strategy would involve a flexible Money market instrument: 0%
asset allocation among fixed income and equity securities based -80%
on the outlook for each of these asset classes.
SFIN: ULIF08617/01/23DYNASALLOC116
Individual Short Term Debt Fund Debt and Debt related instrument: Moder-
To provide stable returns through investment in various fixed 40%-100% ate
11
income securities Money Market Instrument: 0%-
SFIN: ULIF08817/01/23INDSTRMDBT116 60%
Bond Fund Debt and debt related securities Moder-
The investment objective of this fund is to provide accumulation of incl. Fixed deposits: 40% to 100% ate
12
income through investment in high quality fixed income securities Money market instruments, Cash,
SFIN: ULIF02610/07/06BONDFUNDLI116 Mutual funds^: 0% to 60%
Liquid Fund Bank deposits and Money Market Low
The objective of this fund is to have a fund that aims to protect the Instruments: 100%
13 invested capital through investments in liquid money market and
short-term instruments
SFIN: ULIF02510/07/06LIQUIDFUND116
Midcap Index Fund# Equity and Equity related Very
To provide capital appreciation through investment in equities instrument: 65%-100% High
14 forming part of Nifty Midcap 150 Index Cash, Bank deposits, Liquid
SFIN: ULIF08919/10/23MIDCPINDFD116 Mutual funds, money market
instruments: 0%- 35%
SmallCap Quality Index Fund# Equity & Equity related Very
To provide capital appreciation through investment in equities instruments: 65-100% Cash, Bank High
15 forming part of Nifty SmallCap 250 Quality 50 Index Deposits, Liquid Mutual Funds
SFIN: and Money Market Instruments:
ULIF09103/01/24SMCPQYINDF116 0-35%
Nifty Alpha 50 Index Fund #
Equity & Equity related Very
To provide capital appreciation through investment in equities instruments: 65-100%. High
16 forming part of Nifty Alpha 50 Index Cash, Bank Deposits, Liquid
SFIN: Mutual Funds and Money Market
ULIF09221/05/24NYAPA50IND116 Instruments: 0-35%
Nifty 200 Alpha 30 Index Fund #
Equity & Equity related Very
To provide capital appreciation through investment in equities instruments: 65-100%. High
17 forming part of Nifty 200 Alpha 30 Index Cash, Bank Deposits, Liquid
SFIN: Mutual Funds and Money Market
ULIF09321/05/24N200AP30IN116 Instruments: 0-35%
^
The maximum investment in mutual funds shall be governed by the relevant IRDAI guidelines.
#
Please note that the fund aims to replicate the performance of benchmark index, subject to tracking error.
You have the option to switch units from one fund to another, by giving written notice to the company. You can switch out of this
Portfolio Strategy at any Policy Anniversary by giving a written notice to the Company 30 days in advance.
After taking prior approval from IRDAI, the Company may carry out addition, closure, or merger of the Funds available under this
Policy. “Liquid Fund” will be the default fund in case of closure or modification of any fund in future.
Bajaj Allianz Life
Invest Protect Goal II

 Automatic Transfer Strategy

This strategy allows you to manage your exposure to equity markets by systematically transferring your money
from a lower risk Fund to higher risk Fund(s).
This is how the strategy works -
• Premiums (Regular/limited and top-up premiums if any, post deduction of premium allocation charges) received
will be allocated either in Bond Fund or Liquid Fund, as per your choice
• At the start of every monthly anniversary of the policy, a proportion (as mentioned in the table below) of Total Fund
Value, shall be switched to the other Fund(s) as selected by you
• The proportion to be switched shall be

Outstanding no. of months till

11 10 9 8 7 6 5 4 3 2 1
the next premium due date

Proportion of Fund Value 1/11 1/10 1/9 1/8 1/7 1/6 1/5 1/4 1/3 1/2 1

• This strategy will not be applicable for monthly mode of premium payment
• You can choose to switch out of the strategy at any Policy Anniversary by giving written notice to the
Company 30 days in advance.

Charges
 Mortality Charge
Mortality Charge is applied on the Sum At Risk under the policy and is deducted at the rate as applicable on a
monthly basis.

 Fund Management Charge

Sr. No. Fund Fund Management Charge per annum
1 Accelerator Mid Cap Fund II 1.35%
2 Asset Allocation Fund II 1.25%
3 Bluechip Equity Fund 1.25%
4 Bond Fund 0.95%
5 Equity Growth Fund II 1.35%
6 Liquid Fund 0.95%
7 Pure Stock Fund 1.35%
8 Pure Stock Fund II 1.30%
9 Flexi Cap Fund 1.35%
10 Sustainable Equity Fund 1.35%
11 Small Cap Fund 1.35%
12 Dynamic Asset Allocation Fund 1.35%
13 Individual Short Term Debt Fund 0.95%
14 Midcap Index Fund 1.35%
15 SmallCap Quality Index Fund 1.35%
16 Nifty Alpha 50 Index Fund 1.35%
17 Nifty 200 Alpha 30 Index Fund 1.35%
18 Discontinued Life Policy Fund 0.50%
This charge would be adjusted in Unit Price/NAV.

 Policy Administration Charge

For the first five Policy Years – 1.08% of the Annualized Premium (capped to a maximum of Rs. 500 per month)
6th year to the end of Policy Term – 4.50% p.a. of Annualized Premium (capped to a maximum of Rs. 500 per
month)
 Bajaj Allianz Life
Invest Protect Goal II

 Premium Allocation Charge

The premium allocation charge is deducted from the premium amount at the time of premium payment
and units are allocated in the chosen fund thereafter.
Policy Year
Premium Mode
1 2 3-5 6 to PPT
Yearly Mode 6% 6% 6% 0.0%
Other than Yearly Mode 5% 5% 5% 0.0%
Top -Ups have a premium allocation charge of 2.0%

 Miscellaneous Charge
The Miscellaneous Charge will be of Rs.100 per applicable incidence except for switching between fund/portfolio-
strategies, partial withdrawals, Top Ups which shall be free. This will be deducted as charges by cancellation of units.

 Discontinuance / Surrender Charge

Under a Regular/Limited Premium Policy, the Discontinuance Charge, as per table below, shall be applicable to the
Regular Premium Fund Value only, on the Date of Discontinuance of the Policy.
Discontinuance charge for the poli- Discontinuance charge for the poli-
Where the Policy is discontinued
cies having anualized cies having annualized
during the Policy Year
premium up to `50000/- premium above ` 50000/-
Lower of 20% * (AP or FV) subject to Lower of 6% * (AP or FV) subject to
1
maximum of `3,000 maximum of `6,000
Lower of 15% * (AP or FV) subject to Lower of 4% * (AP or FV) subject to
2
maximum of `2,000 maximum of `5,000
Lower of 10% * (AP or FV) subject to Lower of 3% * (AP or FV) subject to
3
maximum of `1,500 maximum of `4,000
Lower of 5% * (AP or FV) subject to Lower of 2% * (AP or FV) subject to
4
maximum of `1,000 maximum of `2,000
5 & above Nil Nil
Here, AP = Annualized Premium & FV = Regular Premium Fund Value
No Discontinuance/ Surrender Charge will be applied on Units in respect of Top-Up Premium.

Other facilities
 Can I switch between funds?
Yes, you can switch units between funds only if Investor Selectable Portfolio Strategy has been chosen. You can
make unlimited free switches. The minimum switching amount is `5,000 or the value of units in the fund to be
switched from, whichever is lower.

 Can I change the Portfolio Strategy?

Yes, you may change your Portfolio Strategy by giving a written notice to the Company at least 30 days prior to any
Policy Anniversary. On switching into the Investor Selectable Portfolio Strategy, the existing funds and the new
premiums paid will be allocated into the Funds of your choice. On switching into the Automatic Transfer Strategy,
the existing funds and the new premiums paid will be allocated as per respective strategy.
Miscellaneous charge will be applicable

 Can I change the premium apportioned to the Funds?

Yes. You may choose to change the proportion of premiums invested in a Fund under Investor Selectable Portfolio
Strategy. The premium proportion to any Fund must be at least 5% of the premiums. The company will reserve the
right to revise the minimum apportionment percentages upon giving written notice of not less than three months
subject to obtaining clearance from the IRDAI.
Miscellaneous charges shall be applicable.

 Can I change the premium payment frequency?

You can opt to change your Prevailing premium payment frequency at Policy Anniversary, by giving 30 days prior
notice, to any other frequency (i.e., yearly, half yearly, quarterly or monthly), subject to applicable minimum Premium
under the product on date of receipt of such request.
Miscellaneous charge, will be applicable for this alteration.
Bajaj Allianz Life
Invest Protect Goal II

 Is Partial Withdrawal allowed?

Yes. You will have an option to partially withdraw the funds after the Lock-in Period i.e. from the 6th policy year
onwards.
• On partial withdrawals, eligible Top-Up Premium Fund Value would be taken out on First in First out (FIFO) basis
before allowing partial withdrawals from the Regular Premium Fund Value.
• For the purpose of partial withdrawals, each payment of Top-Up Premium shall have a Lock-in Period of five (5)
years from the date of payment of each Top Up premium.
• However, the Regular Premium Fund Value should not fall below three times of the Annualized Premium, across all
Funds, after a partial withdrawal.
• Minimum Amount of partial withdrawal at any one time is INR 5,000.
• The company shall affect the partial withdrawal by redeeming Units from the Fund(s) at their respective Unit Price/
NAV.
• A partial withdrawal shall not be allowed if it leads to foreclosure of policy.
• No charges shall be levied for partial withdrawal.
• In the Investor Selectable Portfolio Strategy, you will have the option to choose the fund you want to do partial
withdrawals from. In the Automatic Transfer Strategy, withdrawal of units from each fund will be done in the same
proportion as the value of the Units held in that Fund as on date of withdrawal. You will not have any choice to opt
the fund from which the partial withdrawal of units is to be done.
• The Company reserves the right at any time and from time to time to vary the minimum/maximum value of units to
be withdrawn, charge on partial withdrawal, and/or the minimum balance of value of units to be maintained after
such partial withdrawals, by giving written notice of three months in advance, subject to prior approval from IRDAI.

 Do I have an option to increase or decrease the Sum Assured?

Yes. You can increase the Sum Assured at any policy anniversary as per the prevailing Board Approved Underwriting
Policy. You can decrease the Sum Assured subject to the minimum Sum Assured limits as permitted at the point
of such change request. Increase or decrease in Sum Assured will not change the premium payable under the
policy. Once revised, the death benefit payable will be based on the revised Sum Assured under the Policy. This will
be referred to as the prevailing Sum Assured. The Sum Assured can be increased or decreased provided all due
premiums till date have been paid and the payment of premiums under the policy has not been discontinued
Mortality charges shall be revised accordingly and Miscellaneous Charge will be applicable.

 Do I have an option to pay Top Up Premiums?

• You have an option to pay Top Up premiums at any time during the Policy Term, except during the last five (5) policy
years, over and above the regular/limited premiums payable, provided all due regular/limited premiums have been
paid. The Top Up premiums would be treated as a single premium.
• The amount of Top Up premium paid shall determine the Top Up sum assured. The Top Up Sum Assured will be as
allowed in the product.
• The minimum Top Up premium payable is `5,000, subject always to the company’s right to alter this minimum
amount payable from time to time subject to prior approval from the IRDAI.
• The Company reserves the right to disallow a Top Up premium based on the prevailing board approved underwriting
policy.
• Top Up premiums once paid cannot be withdrawn from the fund for a period of five (5) years from the date of
payment of the Top Up premium, except in case of complete surrender of the policy.
• Once death claim has been triggered, no Top Up premium would be allowed in the policy after date of intimation of
death of the Life Assured.

 Is the product available through online mode?

The policy is also available for sale through online mode

 What is the Tax Benefit available under this 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

Please Note - The charges for all these options shall be levied by cancellation of units at the unit price as on the due day.
Bajaj Allianz Life
Invest Protect Goal II

Other Benefits, Terms & Conditions under the product

 Is there any Surrender benefit?
Yes, you get an option to surrender the policy.

• During the lock-in period of first 5 policy years in case the customer wants to surrender the policy:
o The Regular Premium Fund Value less the discontinuance/ surrender charge, along with the Top-Up Premium
Fund Value, if any, as on the date of surrender, will be credited to the Discontinued Life Policy Fund (maintained
by the Insurance Company), and the risk cover under the policy will cease.
o You will not have the option to revive such a surrendered policy.
o The Discontinuance Value, at the end of the Lock-in Period will be payable as Surrender Value.
• On surrender after the lock-in period, the surrender value available will be the Total Fund Value as on the date of
surrender.
• The policy shall thereafter terminate upon payment of the surrender value by the Company.

 What is the Free Look period available under this plan?

• You will have a free look period of 30 days beginning from the date of receipt of policy document, whether received
electronically or otherwise, to review the terms and conditions of such policy.
• In the event You disagree to any of the policy terms or conditions, or otherwise and has not made any claim, you have
the option to return the policy to the insurer for cancellation, stating the reasons for the same.
• Irrespective of the reasons mentioned, You will be entitled to a refund of the premium paid subject only to a de-
duction of a proportionate risk premium for the period of cover and the expenses, if any, incurred by the insurer on
medical examination of the proposer and stamp duty charges.
• In addition to the deductions mentioned above, the company shall also be entitled to repurchase the units at the
price of the units on the date of cancellation.
• 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.

 Can I assign or nominate the policy?

Assignment as in accordance with provisions of Section 38 of the Insurance Act 1938 as amended from time to time
can be done. Nomination as in accordance with provisions of Section 39 of the Insurance Act 1938 as amended from
time to time can be done.

 What is the Grace period under this plan?

A grace period of 30 days for yearly, half-yearly & quarterly premium payment frequency and 15 days is available
for monthly premium payment frequency from the due date of Regular/Limited Premium payment, without any late
fee, during which time the Policy is considered to be in-force with the risk cover without any interruption as per the
Policy terms and conditions

 Can I revive the policy?

A policy which has been discontinued or is Paid-up due to non-payment of premiums can only be revived subject to
following conditions:
• The Insurance Company receives the request for revival from you within 3 years from the date of first unpaid pre-
mium provided the policy is not terminated already.
• Such information and documentation as per the prevailing board approved underwriting policy is submitted by you
at your own expense.
• The policy may be revived on the original policy terms & conditions, revised terms & conditions or disallowed reviv-
al, based on prevailing Board Approved Underwriting Policy.
• On revival of the Policy,
1. All the due but unpaid Premiums collected, without charging any interest or fee, will be unitized.
2. The Discontinuance Value of the Policy together with the amount of Discontinuance/Surrender Charge (without
any interest) as deducted by the Company shall be restored to the applicable Fund(s) available at the time of
discontinuance, at their prevailing Unit Price.
3. The Premium Allocation Charge and Policy Administration Charge due during the discontinuance period shall be
deducted from the Premiums paid or from the Fund(s) at the time of revival.
 Bajaj Allianz Life
Invest Protect Goal II

4. The Policy will be revived restoring the risk cover and Guaranteed Benefit
5. Fund Maintenance Booster will be assessed from the next policy month.
6. The Loyalty Advantages – ROAC, ROMC and Loyalty Additions – due but not allocated during the period the Policy
was in paid-up shall be added to the Regular Premium Fund Value(1) at revival date.

 Are there any other Terms & Conditions?

• Non-Forfeiture
a) On Discontinuance of Regular Premiums due during the first five (5) Policy years, the Policy will be converted to a
Discontinued Life Policy (without any risk cover, any additional rider cover, Guaranteed Benefit, Loyalty Addition or
Fund Booster) at the end of the grace period, and the Regular Premium Fund Value less the Discontinuance/Surren-
der charge along with Top-up Premium Fund Value, if any, will be transferred to the Discontinued Life Policy fund.
i) A notice will be sent by the Insurance Company to you within three (3) months from the date of first unpaid Pre-
mium, informing you of the status of the Policy and requesting to revive the Policy or, in writing, agree to revive
the Policy within the revival period of three (3) years from the date of first unpaid Premium, by paying all due
Regular Premiums.
ii) If you have opted to revive the Policy but have not revived the Policy within the revival period, the Discontinuance
Value shall be payable as the Surrender Benefit at the end of lock-in period of five (5) Policy years or at the end
of the revival period, whichever is later.
iii) If no communication is received from you with respect to the revival of the Policy, the Discontinuance Value shall
be payable as the Surrender Benefit at the end of lock-in period of five (5) Policy years.
iv) At any time you have the option to completely withdraw from the Policy without any risk cover, any additional
rider cover, Guaranteed Benefit, Loyalty Addition or Fund Booster and receive the Discontinuance Value (as Sur-
render Benefit) at the end of the lock-in period of five (5) Policy years or the date of surrender, whichever is later.
b) On Discontinuance of Regular Premiums due after the lock-in period of five (5) Policy years, the Policy will be, imme-
diately & automatically, converted to a Paid-up Policy at the end of the grace period, with risk cover under the base
Policy to the extent of the Paid-up Sum Assured and without any rider cover, Guaranteed Benefit, Loyalty Addition,
Return of Mortality Charge or Fund Booster. The Paid-up Sum Assured will be the Sum Assured in the Policy multi-
plied by the proportion of the number of Regular Premiums paid to the number of Regular Premiums payable in the
Policy. All charges as per the terms & conditions of the Policy will be deducted.
i) A notice will be sent by the Insurance Company to you within three (3) months from the date of first unpaid
Premium, informing you of the status of the Policy and requesting you to exercise one of the options
mentioned below.
1) Option A: Revive the Policy or, in writing, agree to revive the Policy within the revival period of three (3)
years from the date of first unpaid Premium, by paying all due Regular Premiums, OR
2) Option B: Intimate the Insurance Company to completely withdraw from the Policy without any risk
cover or any additional rider cover and receive the Surrender Benefit under the Policy as on the date
of receipt of such intimation.
ii) If you have chosen the Option A above but does not revive the Policy during the revival period, or the Insurance
Company does not receive any intimation in writing from you, the Policy shall be treated as a Paid-up Policy, as
mentioned in section b) above. At the end of the revival period, if the Policy has not been revived, the Surrender
Benefit under the Policy as at the end of the revival period will be payable to you.
iii) If you do not exercise any option [as mentioned in Sub-Section b)i) above], the policy shall continue as a
paid-up policy, as mentioned in Section b) above. At the end of the revival period, if the policy has not been
revived, the surrender value under the policy as at the end of the revival period will be payable to you,
immediately & automatically.
iv) If you decide to surrender the Policy as per Option B above, the Surrender Benefit under the Policy as on the
date of receipt of such intimation, will be payable to you.

c) Notwithstanding anything mentioned above, on the death of the life assured,

i) If the Policy is discontinued as per sub-section a) above, the Discontinuance Value as on the date of receipt of
intimation at the Insurance Company’s office, shall be payable as Death Benefit, and, then, the Policy will
terminate.
ii) If the Policy is discontinued as per sub-section b) above, the higher of the [Paid up Sum Assured or Regular
Premium Fund Value] plus higher of the [Top-up Sum Assured or Top-up Premium Fund Value], if any, subject
to a minimum of the Guaranteed Death Benefit, all, as on the date of receipt of intimation, shall be payable as
Death Benefit, and, then, the Policy will terminate.
Bajaj Allianz Life
Invest Protect Goal II

• Computation of Unit Price/NAV

• Unit Price or NAV means the value per unit calculated in Rupees as follows:
• Unit Price = [Market value of investment held by the Fund + value of current assets – (value of current liabilities and
provisions, if any)]/Number of units existing on valuation date (before creation/redemption of units)

• 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
latest revival of the policy, whichever is later, the nominee or beneficiary of the policy shall be entitled to the Total
Fund Value, as available on the date of intimation of death. Any charges other than the Fund Management Charges
recovered subsequent to the date of death shall be added to the Total Fund Value as at the date of intimation of
death. There is no other exclusion applicable w.r.t death, other than suicide clause.

• Foreclosure
Any time after three (3) policy years for a policy which has discontinued paying its due premium and if the Fund
Value is lower than one (1) Annualized Premium, the policy shall be foreclosed, and any Surrender Value shall be
paid, as per the conditions in the Surrender Value Section above. Before foreclosure of the Policy, you will be given
the option to pay any Limited/Regular Premiums due under the Policy or to pay Top Up Premium, as applicable.
For an in-force policy, after three policy years, fund is protected through Fund Maintenance Booster (FMB). Through
FMB, total Fund Value is protected to not go below One Annualized Premium.

• Force Ma’jeure
i) As per IRDAI (Insurance Product) Regulations 2024, the Company will declare a ‘Single’ Unit Price or Net Asset Value
(NAV) for each segregated fund on a day-to-day basis.
ii) The Company specifies that, in the event of certain force majeure conditions, the declaration of Unit Price or NAV
on a day-to-day basis may be deferred and could include other actions as a part of investment strategy (e.g. taking
exposure of any Segregated Fund (SFIN) up to 100% in Money Market Instruments [as defined under Regulations
1(8) of the IRDAI (Actuarial, Finance and Investment) Regulations, 2024])
iii) The Company shall value the Funds (SFIN) on each day for which the financial markets are open. However, the Com-
pany may value the SFIN less frequently in extreme circumstances external to the Company i.e. in force majeure
events, where the value of the assets is too uncertain. In such circumstances, the Company may defer the valuation
of assets for up to 30 days until the Company is certain that the valuation of SFIN can be resumed.
iv) The Company shall inform the IRDAI of such deferment in the valuation of assets. During the continuance of the
force majeure events, all request for servicing the policy including policy related payment shall be kept in abeyance.
v) The Company shall continue to invest as per the Fund mandates as described in section ‘Investment Strategies’
above. However, the Company shall reserve its right to change the exposure of all or any part of the Fund to Money
Market Instruments [as defined under Regulations 1(8) of the IRDAI (Actuarial, Finance and Investment Functions
of Insurers) Regulations, 2024] in circumstances mentioned under sub-section iii) and sub-section iv) above. The
exposure of the Fund as per the Fund mandates as described in section ‘Investment Strategies’ above shall be re-
instated within reasonable timelines once the force majeure situation ends.
vi) Some examples of such circumstances [in sub-section iii) & sub-section iv) above] are:
(1) When one or more stock exchanges which provide a basis for valuation of the assets of the Fund are closed
otherwise than for ordinary holidays.
(2) When, as a result of political, economic, monetary or any circumstances out of the control of the Company, the
disposal of the assets of the Fund are not reasonable or would not reasonably be practicable without being
detrimental to the interests of the continuing Policyholders.
(3) In the event of natural calamities, strikes, war, civil unrest, riots and bandhs.
(4) In the event of any force majeure or disaster that affects the normal functioning of the Company.
vii) In such an event, an intimation of such force majeure event shall be uploaded on the Company’s website for
information.

• Revision of Charges
After taking due approval from the IRDAI, the Insurance Company reserves the right to revise the charges except the
Premium Allocation Charge and Mortality Charge which are guaranteed throughout the policy term
• Fund Management Charge up to a maximum of 1.35% per annum will be adjusted in the unit price/NAV for Acceler-
ator Mid Cap Fund II, Asset Allocation Fund II, Bluechip Equity Fund, Bond Fund, Equity Growth Fund II, Liquid Fund,
Pure Stock Fund, Pure Stock Fund II, Flexi Cap Fund , Sustainable Equity Fund , Small Cap Fund, Dynamic Asset
Bajaj Allianz Life
Invest Protect Goal II

Allocation Fund, Midcap Index Fund, Individual Short Term Debt Fund, SmallCap Quality Index Fund, Nifty Alpha 50
Index Fund, Nifty 200 Alpha 30 Index Fund and 0.50% per annum for the Discontinued Life Policy Fund
• Policy Administration Charge up to a maximum of Rs. 500 per month
• Miscellaneous charge up to a maximum of Rs. 500 per transaction.
• Partial Withdrawal charge up to a maximum of Rs. 500 per transaction
• Switching charge up to a maximum of Rs. 500 per transaction
• The Insurance Company shall give a notice of 3 months for any change in charges. In case you do not agree with the
modified charges you will be allowed to terminate the policy and take the surrender value, as applicable.

• Assignment: Section 38 of the Insurance Act, 1938

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

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

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

• Prohibition of Rebate: Section 41 of the Insurance Act 1938

Prohibition of Rebate should be in accordance with provisions of 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 accor-
dance 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.”

• Applicability of Goods and Service tax

Goods and Service Tax is charged based on type of Policy communication address of Policy Holder. This may change
subject to change in rate/state in address of the Policy Holder as on date of adjustment.

• Risks of Investment in the Units of the Plan

• The Proposer/Life Assured should be aware that the investment in the units is subject to the following, amongst
other risks and should fully understand the same before entering into any unit linked insurance contract with the
Insurance Company.
• Unit Linked life insurance products are different from the traditional insurance products and are subject to the risk
factors.
• The premium paid in unit linked life insurance policies are subject to investment risks associated with capital markets
and the NAV of the units may go up or down based on the performance of the fund and factors influencing the capital
market and you will be responsible for your decisions.
• Bajaj Allianz Life Insurance is only the name of the Insurance Company and Bajaj Allianz Life Invest Protect Goal
II is only the name of the product and does not in any way indicate the quality of the policy, its future prospects or
returns.
• Accelerator Mid Cap Fund II, Asset Allocation Fund II, Bluechip Equity Fund, Bond Fund, Equity Growth Fund II, Liquid
Fund, Pure Stock Fund, Pure Stock Fund II, Flexi Cap Fund, Sustainable Equity Fund, Small Cap Fund, Dynamic Asset
Allocation Fund, SmallCap Quality Index Fund, Midcap Index Fund, Individual Short Term Debt Fund, Nifty Alpha 50
Index Fund and Nifty 200 Alpha 30 Index Fund are the name of the funds offered currently with Bajaj Allianz Life
Invest Protect Goal II and in any manner does not indicate the quality of the fund and its future prospects or returns.
• Accelerator Mid Cap Fund II, Asset Allocation Fund II, Bluechip Equity Fund, Bond Fund, Equity Growth Fund II, Liquid
Fund, Pure Stock Fund, Pure Stock Fund II, Flexi Cap Fund, Sustainable Equity Fund, Small Cap Fund, Dynamic Asset
Allocation Fund, Midcap Index Fund, Individual Short Term Debt Fund, SmallCap Quality Index Fund, Nifty Alpha 50
 Bajaj Allianz Life
Invest Protect Goal II

Index Fund and Nifty 200 Alpha 30 Index Fund do not offer a guaranteed or assured return.
• The investments in the units are subject to market and other risks.
• The past performance of the funds of the Insurance Company is not necessarily an indication of the future perfor-
mance of any of these funds.
• All benefits payable under the policy are subject to the tax laws and other financial enactments, as they exist from
time to time.
• Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy
document issued by the insurance company.

Contact Details
Bajaj Allianz Life Insurance Company Limited, Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006.
IRDAI Reg No.: 116 | BALIC CIN: U66010PN2001PLC015959
For any queries please contact:

Sales: 1800 209 0144 Service: 1800 209 7272

Mail us: customercare@bajajallianz.co.in Visit us at: www.bajajallianzlife.com UIN: 116L192V01

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 Exclusions. Please ask for the same along with
the quotation.

Disclaimer
• All Charges applicable shall be levied. This brochure should be read in conjunction with the Benefit Illustration. The Policy document is the
conclusive evidence of contract and provides in details all the conditions and exclusions related to Bajaj Allianz Life Invest Protect Goal II.
Please ask for the same along with the quotation.
• 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.
• Insurance is the subject matter of solicitation

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

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

Definitions:
You / Your – shall mean the Policyholder / Life Assured, as applicable
%
Fund Value - is the sum total of the Regular Premium Fund Value(1) and Top-up Premium Fund Value(2)
Where
(1)
Regular Premium Fund Value is equal to the total Units in respect of Limited/Regular Premiums paid under this policy multiplied
by the respective unit price on the relevant valuation date and
(2)
Top-Up Premium Fund Value is equal to the total Units in respect of Top-Up premium multiplied by the respective unit price on the
relevant valuation date.

BJAZ-BR-EC-09402/24
Quotation No : 70006816784

Bajaj Allianz Life Invest Protect Goal II

A Unit-linked Non-Participating Individual Life Savings Insurance Plan

Customer Details
Name of the Prospect / Policyholder Valued Customer
Age (in years) 35
Gender of the Prospect / Policyholder M
Name of the Life Assured Valued Customer
Age (in years) 35
Gender of the Life Assured M

Product / Riders Details

Base Plan / Sum Policy Premium Payment Premium Payment Instalment Premium Instalment Premium
Rider Name of Product / Rider Option Chosen UIN Assured Term Term (Years) Mode Without GST GST Rate with GST
(Years)
Base Plan Bajaj Allianz Life Invest Protect Not Applicable 116L192V01 1,00,00,000 40 40 Annual 50,000 18% on 50,000
Goal II Charges
Rider Bajaj Allianz Life Linked Accident Accidental Death Benefit 116A055V02 2,00,00,000 36 36 Annual 9,400 18% on 11,092
Protection Rider Premium
Rider Bajaj Allianz Life Linked Accident Accidental Total Permanent 116A055V02 1,00,00,000 36 36 Annual 2,500 18% on 2,950
Protection Rider Disability Benefit Premium
Total 61,900 64,042

Investment Strategy Opted for Investor Selectable Portfolio Strategy

Fund opted for along with risk levels
Sr.No Fund Name SFIN Risk Level Fund Management Charge Investment%
1 Liquid Fund ULIF02510/07/06LIQUIDFUND116 Low 0.95% 0%
2 Bond Fund ULIF02610/07/06BONDFUNDLI116 Moderate 0.95% 0%
3 Individual Short Term Debt Fund ULIF08817/01/23INDSTRMDBT116 Moderate 0.95% 0%
4 Asset Allocation Fund II ULIF07205/12/13ASSETALL02116 High 1.25% 0%
5 Bluechip Equity Fund ULIF06026/10/10BLUECHIPEQ116 High 1.25% 0%
6 Dynamic Asset Allocation Fund ULIF08617/01/23DYNASALLOC116 High 1.35% 0%
7 Equity Growth Fund II ULIF05106/01/10EQTYGROW02116 Very High 1.35% 0%
8 Accelerator Mid-Cap Fund II ULIF05206/01/10ACCMIDCA02116 Very High 1.35% 0%
9 Pure Stock Fund II ULIF07709/01/17PURSTKFUN2116 Very High 1.30% 100%
10 Pure Stock Fund ULIF02721/07/06PURESTKFUN116 Very High 1.35% 0%
11 Flexi Cap Fund ULIF07917/11/21FLXCAPFUND116 Very High 1.35% 0%
12 Sustainable Equity Fund ULIF08017/11/21SUSEQUFUND116 Very High 1.35% 0%
13 Small Cap Fund ULIF08717/01/23SMALLCAPFU116 Very High 1.35% 0%
14 Midcap Index Fund ULIF08919/10/23MIDCPINDFD116 Very High 1.35% 0%
15 SmallCap Quality Index Fund ULIF09103/01/24SMCPQYINDF116 Very High 1.35% 0%
16 Nifty Alpha 50 Index Fund ULIF09221/05/24NYAPA50IND116 Very High 1.35% 0%
17 Nifty 200 Alpha 30 Index Fund ULIF09321/05/24N200AP30IN116 Very High 1.35% 0%

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.
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 returns of 8% p.a. and 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 thousand sum assured in general, increases with age.
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 this 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 deducted 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.

O.X.X
Quotation No : 70006816784

Part A (Amount in Rupees)

At 4% p.a. Gross Investment Return At 8 % p.a. Gross Investment Return

Policy Year Annualised Premium Commission payable to Intermediary (Rs.)
Mortality Charge Other Charges# GST FV at End of year Surrender Value Death Benefit Mortality Charge Other Charges# GST FV at End of year Surrender Value Death Benefit
1 50,000 9,816 4,066 2,499 35,203 32,203 1,00,00,000 9,815 4,077 2,501 36,777 33,777 1,00,00,000 12,500
2 50,000 10,375 4,525 2,682 70,589 68,589 1,00,00,000 10,372 4,567 2,689 75,212 73,212 1,00,00,000 500
3 50,000 11,011 4,986 2,880 1,06,069 1,04,569 1,00,00,000 11,003 5,079 2,895 1,15,318 1,13,818 1,00,00,000 500
4 50,000 11,739 5,448 3,094 1,41,536 1,40,536 1,00,00,000 11,724 5,613 3,121 1,57,094 1,56,094 1,00,00,000 500
5 50,000 12,558 5,909 3,324 1,76,880 1,76,880 1,00,00,000 12,533 6,169 3,366 2,00,537 2,00,537 1,00,00,000 500
6 50,000 13,472 5,110 3,345 2,13,568 2,13,568 1,00,00,000 13,433 5,489 3,406 2,47,321 2,47,321 1,00,00,000 0
7 50,000 14,500 5,585 3,615 2,70,780 2,70,780 1,00,00,000 14,441 6,110 3,699 3,16,679 3,16,679 1,00,00,000 0
8 50,000 15,638 6,330 3,954 3,07,146 3,07,146 1,00,00,000 15,553 7,034 4,066 3,68,257 3,68,257 1,00,00,000 0
9 50,000 16,964 6,798 4,277 3,42,806 3,42,806 1,00,00,000 16,843 7,717 4,421 4,21,539 4,21,539 1,00,00,000 0
10 50,000 18,487 7,256 4,634 3,77,506 3,77,506 1,00,00,000 18,318 8,422 4,813 4,76,407 4,76,407 1,00,00,000 0
11 50,000 20,260 7,698 5,032 4,10,926 4,10,926 1,00,00,000 20,029 9,146 5,251 5,32,674 5,32,674 1,00,00,000 0
12 50,000 22,320 8,122 5,480 4,42,691 4,42,691 1,00,00,000 22,008 9,886 5,741 5,90,102 5,90,102 1,00,00,000 0
13 50,000 24,722 8,520 5,984 4,72,352 4,72,352 1,00,00,000 24,305 10,640 6,290 6,48,376 6,48,376 1,00,00,000 0
14 50,000 27,511 8,888 6,552 4,99,395 4,99,395 1,00,00,000 26,959 11,402 6,905 7,07,115 7,07,115 1,00,00,000 0
15 50,000 30,711 9,218 7,187 6,32,441 6,32,441 1,00,00,000 29,985 12,166 7,587 8,73,724 8,73,724 1,00,00,000 0
16 50,000 33,937 10,945 8,079 6,55,670 6,55,670 1,00,00,000 32,989 14,383 8,527 9,39,425 9,39,425 1,00,00,000 0
17 50,000 37,928 11,218 8,846 6,74,689 6,74,689 1,00,00,000 36,686 15,236 9,346 10,04,791 10,04,791 1,00,00,000 0
18 50,000 42,286 11,432 9,669 6,88,959 6,88,959 1,00,00,000 40,679 16,082 10,217 10,69,437 10,69,437 1,00,00,000 0
19 50,000 46,980 11,581 10,541 6,97,962 6,97,962 1,00,00,000 44,928 16,916 11,132 11,33,006 11,33,006 1,00,00,000 0
20 50,000 51,944 11,658 11,448 10,77,242 10,77,242 1,00,00,000 49,357 17,734 12,076 15,71,670 15,71,670 1,00,00,000 0
21 50,000 54,777 16,636 12,854 10,86,306 10,86,306 1,00,00,000 51,512 23,620 13,524 16,59,122 16,59,122 1,00,00,000 0
22 50,000 59,830 16,713 13,778 10,89,548 10,89,548 1,00,00,000 55,714 24,761 14,486 17,47,004 17,47,004 1,00,00,000 0
23 50,000 65,022 16,712 14,712 10,86,662 10,86,662 1,00,00,000 59,907 25,908 15,447 18,35,354 18,35,354 1,00,00,000 0
24 50,000 70,357 16,629 15,657 10,77,330 10,77,330 1,00,00,000 64,079 27,062 16,405 19,24,227 19,24,227 1,00,00,000 0
25 50,000 75,872 16,460 16,620 14,14,599 14,14,599 1,00,00,000 68,246 28,223 17,364 23,60,779 23,60,779 1,00,00,000 0
26 50,000 78,377 20,886 17,867 14,03,602 14,03,602 1,00,00,000 69,190 34,091 18,590 24,76,804 24,76,804 1,00,00,000 0
27 50,000 84,184 20,693 18,878 13,85,397 13,85,397 1,00,00,000 73,041 35,619 19,559 25,95,502 25,95,502 1,00,00,000 0
28 50,000 90,477 20,400 19,958 13,59,232 13,59,232 1,00,00,000 77,040 37,183 20,560 27,16,863 27,16,863 1,00,00,000 0
29 50,000 97,404 19,997 21,132 13,24,154 13,24,154 1,00,00,000 81,265 38,780 21,608 28,40,780 28,40,780 1,00,00,000 0
30 50,000 1,05,152 19,470 22,432 17,75,367 17,75,367 1,00,00,000 85,813 40,410 22,720 34,37,590 34,37,590 1,00,00,000 0
31 50,000 1,07,312 25,401 23,888 17,38,499 17,38,499 1,00,00,000 84,395 48,454 23,913 36,03,484 36,03,484 1,00,00,000 0
32 50,000 1,16,489 24,838 25,439 16,89,770 16,89,770 1,00,00,000 88,770 50,650 25,096 37,74,582 37,74,582 1,00,00,000 0
33 50,000 1,27,004 24,108 27,200 16,27,295 16,27,295 1,00,00,000 93,494 52,912 26,353 39,50,788 39,50,788 1,00,00,000 0
34 50,000 1,39,100 23,183 29,211 15,48,853 15,48,853 1,00,00,000 98,584 55,240 27,688 41,31,978 41,31,978 1,00,00,000 0
35 50,000 1,53,040 22,032 31,513 21,58,894 21,58,894 1,00,00,000 1,04,038 57,632 29,101 49,50,212 49,50,212 1,00,00,000 0
36 50,000 1,54,905 30,061 33,294 20,74,402 20,74,402 1,00,00,000 96,882 68,705 29,806 51,96,981 51,96,981 1,00,00,000 0
37 50,000 1,71,468 28,809 36,050 19,68,072 19,68,072 1,00,00,000 1,00,534 71,995 31,055 54,54,972 54,54,972 1,00,00,000 0
38 50,000 1,90,663 27,247 39,224 18,36,230 18,36,230 1,00,00,000 1,03,925 75,438 32,285 57,25,216 57,25,216 1,00,00,000 0
39 50,000 2,12,989 25,322 42,896 16,74,516 16,74,516 1,00,00,000 1,06,870 79,049 33,466 60,09,034 60,09,034 1,00,00,000 0
40 50,000 2,39,047 22,973 47,164 25,26,097 25,26,097 1,00,00,000 1,09,122 82,849 34,555 70,91,187 70,91,187 1,00,00,000 0

# includes all charges other than mortality charge, See Part B for details
The Benefits shown above (Death Benefit, Surrender Value) are payable assuming Death / Surrender occur at the end of the year.

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

I, ____ _____, have explained the premiums, charges and benefits under the policy fully to the I, ____Valued Customer _____, having received the information with respect to the above, have
prospect / policyholder. understood the above statement before entering into the contract.

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

Part B

Amount( in Rs.)

Gross Yield 8% Net Yield 6.94 % Death

Benefit

Policy Annualised Premium Annualised Premium - Mortality GST (Excl On Policy Admin. Guaranteee Other Return of Mortality Loyalty Addition + FMB + ROAC+ Fund Before FMC Incl. Fund at End Surrender Lumpsum
Year Premium Allocation Charge Allocation Charge Charge FMC) Charge Charge Charges* Charge Family Benefit FMC GST of year Value
1 50,000 3,000 47,000 9,815 2,404 540 0 0 0 0 37,411 634 36,777 33,777 1,00,00,000
2 50,000 3,000 47,000 10,372 2,504 540 0 0 0 0 76,424 1,212 75,212 73,212 1,00,00,000
3 50,000 3,000 47,000 11,003 2,618 540 0 0 0 0 1,17,135 1,816 1,15,318 1,13,818 1,00,00,000
4 50,000 3,000 47,000 11,724 2,748 540 0 0 0 0 1,59,540 2,446 1,57,094 1,56,094 1,00,00,000
5 50,000 3,000 47,000 12,533 2,893 540 0 0 0 0 2,03,638 3,102 2,00,537 2,00,537 1,00,00,000
6 50,000 0 50,000 13,433 2,823 2,250 0 0 0 0 2,51,143 3,822 2,47,321 2,47,321 1,00,00,000
7 50,000 0 50,000 14,441 3,004 2,250 0 0 20,831 0 3,00,403 4,555 3,16,679 3,16,679 1,00,00,000
8 50,000 0 50,000 15,553 3,204 2,250 0 0 0 0 3,73,902 5,645 3,68,257 3,68,257 1,00,00,000
9 50,000 0 50,000 16,843 3,437 2,250 0 0 0 0 4,27,991 6,451 4,21,539 4,21,539 1,00,00,000
10 50,000 0 50,000 18,318 3,702 2,250 0 0 0 0 4,83,690 7,283 4,76,407 4,76,407 1,00,00,000
11 50,000 0 50,000 20,029 4,010 2,250 0 0 0 0 5,40,812 8,137 5,32,674 5,32,674 1,00,00,000
12 50,000 0 50,000 22,008 4,366 2,250 0 0 0 0 5,99,113 9,011 5,90,102 5,90,102 1,00,00,000
13 50,000 0 50,000 24,305 4,780 2,250 0 0 0 0 6,58,276 9,900 6,48,376 6,48,376 1,00,00,000
14 50,000 0 50,000 26,959 5,258 2,250 0 0 0 0 7,17,914 10,799 7,07,115 7,07,115 1,00,00,000
15 50,000 0 50,000 29,985 5,802 2,250 0 0 1,07,830 0 7,77,595 11,701 8,73,724 8,73,724 1,00,00,000
16 50,000 0 50,000 32,989 6,343 2,250 0 0 0 0 9,53,743 14,317 9,39,425 9,39,425 1,00,00,000
17 50,000 0 50,000 36,686 7,008 2,250 0 0 0 0 10,20,114 15,324 10,04,791 10,04,791 1,00,00,000
18 50,000 0 50,000 40,679 7,727 2,250 0 0 0 0 10,85,759 16,322 10,69,437 10,69,437 1,00,00,000
19 50,000 0 50,000 44,928 8,492 2,250 0 0 0 0 11,50,312 17,306 11,33,006 11,33,006 1,00,00,000
20 50,000 0 50,000 49,357 9,289 2,250 0 0 3,33,301 43,158 12,13,483 18,271 15,71,670 15,71,670 1,00,00,000
21 50,000 0 50,000 51,512 9,677 2,250 0 0 0 0 16,84,339 25,217 16,59,122 16,59,122 1,00,00,000
22 50,000 0 50,000 55,714 10,434 2,250 0 0 0 0 17,73,567 26,563 17,47,004 17,47,004 1,00,00,000
23 50,000 0 50,000 59,907 11,188 2,250 0 0 0 0 18,63,270 27,917 18,35,354 18,35,354 1,00,00,000
24 50,000 0 50,000 64,079 11,939 2,250 0 0 0 0 19,53,505 29,278 19,24,227 19,24,227 1,00,00,000
25 50,000 0 50,000 68,246 12,689 2,250 0 0 2,99,457 47,659 20,44,311 30,648 23,60,779 23,60,779 1,00,00,000
26 50,000 0 50,000 69,190 12,859 2,250 0 0 0 0 25,14,376 37,572 24,76,804 24,76,804 1,00,00,000
27 50,000 0 50,000 73,041 13,552 2,250 0 0 0 0 26,34,878 39,376 25,95,502 25,95,502 1,00,00,000
28 50,000 0 50,000 77,040 14,272 2,250 0 0 0 0 27,58,084 41,221 27,16,863 27,16,863 1,00,00,000
29 50,000 0 50,000 81,265 15,033 2,250 0 0 0 0 28,83,886 43,106 28,40,780 28,40,780 1,00,00,000
30 50,000 0 50,000 85,813 15,851 2,250 0 0 3,86,349 84,218 30,12,051 45,028 34,37,590 34,37,590 1,00,00,000
31 50,000 0 50,000 84,395 15,596 2,250 0 0 0 0 36,58,005 54,521 36,03,484 36,03,484 1,00,00,000
32 50,000 0 50,000 88,770 16,384 2,250 0 0 0 0 38,31,694 57,112 37,74,582 37,74,582 1,00,00,000
33 50,000 0 50,000 93,494 17,234 2,250 0 0 0 0 40,10,569 59,781 39,50,788 39,50,788 1,00,00,000
34 50,000 0 50,000 98,584 18,150 2,250 0 0 0 0 41,94,506 62,529 41,31,978 41,31,978 1,00,00,000
35 50,000 0 50,000 1,04,038 19,132 2,250 0 0 4,69,282 1,62,904 43,83,377 65,351 49,50,212 49,50,212 1,00,00,000
36 50,000 0 50,000 96,882 17,844 2,250 0 0 0 0 52,75,398 78,417 51,96,981 51,96,981 1,00,00,000
37 50,000 0 50,000 1,00,534 18,501 2,250 0 0 0 0 55,37,271 82,299 54,54,972 54,54,972 1,00,00,000
38 50,000 0 50,000 1,03,925 19,111 2,250 0 0 0 0 58,11,578 86,362 57,25,216 57,25,216 1,00,00,000
39 50,000 0 50,000 1,06,870 19,642 2,250 0 0 0 0 60,99,657 90,623 60,09,034 60,09,034 1,00,00,000
40 50,000 0 50,000 1,09,122 20,047 2,250 0 0 5,17,332 2,65,721 64,03,241 95,107 70,91,187 70,91,187 1,00,00,000

The Benefits s hown a bove (Dea th Benefit, Surrender Va lue) a re pa ya ble a s s uming Dea th / Surrender occur a t the end of the yea r.

O.X.X
Quotation No : 70006816784

Amount( in Rs.)

Death
Gross Yield 4%
Benefit

Policy Annualised Premium Annualised Premium - Mortality GST (Excl On Policy Admin. Guaranteee Other Return of Mortality Loyalty Addition + FMB + ROAC+ Fund Before FMC Incl. Fund at End Surrender
Lumpsum
Year Premium Allocation Charge Allocation Charge Charge FMC) Charge Charge Charges* Charge Family Benefit FMC GST of year Value
1 50,000 3,000 47,000 9,816 2,404 540 0 0 0 0 35,824 620 35,203 32,203 1,00,00,000
2 50,000 3,000 47,000 10,375 2,505 540 0 0 0 0 71,751 1,163 70,589 68,589 1,00,00,000
3 50,000 3,000 47,000 11,011 2,619 540 0 0 0 0 1,07,776 1,707 1,06,069 1,04,569 1,00,00,000
4 50,000 3,000 47,000 11,739 2,750 540 0 0 0 0 1,43,787 2,252 1,41,536 1,40,536 1,00,00,000
5 50,000 3,000 47,000 12,558 2,898 540 0 0 0 0 1,79,676 2,795 1,76,880 1,76,880 1,00,00,000
6 50,000 0 50,000 13,472 2,830 2,250 0 0 0 0 2,16,942 3,374 2,13,568 2,13,568 1,00,00,000
7 50,000 0 50,000 14,500 3,015 2,250 0 0 20,868 0 2,53,847 3,935 2,70,780 2,70,780 1,00,00,000
8 50,000 0 50,000 15,638 3,220 2,250 0 0 0 0 3,11,960 4,814 3,07,146 3,07,146 1,00,00,000
9 50,000 0 50,000 16,964 3,459 2,250 0 0 0 0 3,48,172 5,367 3,42,806 3,42,806 1,00,00,000
10 50,000 0 50,000 18,487 3,733 2,250 0 0 0 0 3,83,413 5,907 3,77,506 3,77,506 1,00,00,000
11 50,000 0 50,000 20,260 4,052 2,250 0 0 0 0 4,17,355 6,429 4,10,926 4,10,926 1,00,00,000
12 50,000 0 50,000 22,320 4,423 2,250 0 0 0 0 4,49,619 6,929 4,42,691 4,42,691 1,00,00,000
13 50,000 0 50,000 24,722 4,855 2,250 0 0 0 0 4,79,751 7,399 4,72,352 4,72,352 1,00,00,000
14 50,000 0 50,000 27,511 5,357 2,250 0 0 0 0 5,07,228 7,833 4,99,395 4,99,395 1,00,00,000
15 50,000 0 50,000 30,711 5,933 2,250 0 0 1,09,174 0 5,31,488 8,222 6,32,441 6,32,441 1,00,00,000
16 50,000 0 50,000 33,937 6,514 2,250 0 0 0 0 6,65,930 10,260 6,55,670 6,55,670 1,00,00,000
17 50,000 0 50,000 37,928 7,232 2,250 0 0 0 0 6,85,272 10,582 6,74,689 6,74,689 1,00,00,000
18 50,000 0 50,000 42,286 8,016 2,250 0 0 0 0 6,99,794 10,835 6,88,959 6,88,959 1,00,00,000
19 50,000 0 50,000 46,980 8,861 2,250 0 0 0 0 7,08,973 11,011 6,97,962 6,97,962 1,00,00,000
20 50,000 0 50,000 51,944 9,755 2,250 0 0 3,43,117 32,875 7,12,351 11,102 10,77,242 10,77,242 1,00,00,000
21 50,000 0 50,000 54,777 10,265 2,250 0 0 0 0 11,03,281 16,975 10,86,306 10,86,306 1,00,00,000
22 50,000 0 50,000 59,830 11,174 2,250 0 0 0 0 11,06,614 17,066 10,89,548 10,89,548 1,00,00,000
23 50,000 0 50,000 65,022 12,109 2,250 0 0 0 0 11,03,728 17,065 10,86,662 10,86,662 1,00,00,000
24 50,000 0 50,000 70,357 13,069 2,250 0 0 0 0 10,94,298 16,968 10,77,330 10,77,330 1,00,00,000
25 50,000 0 50,000 75,872 14,062 2,250 0 0 3,25,858 27,562 10,77,948 16,768 14,14,599 14,14,599 1,00,00,000
26 50,000 0 50,000 78,377 14,513 2,250 0 0 0 0 14,25,592 21,991 14,03,602 14,03,602 1,00,00,000
27 50,000 0 50,000 84,184 15,558 2,250 0 0 0 0 14,07,160 21,762 13,85,397 13,85,397 1,00,00,000
28 50,000 0 50,000 90,477 16,691 2,250 0 0 0 0 13,80,649 21,417 13,59,232 13,59,232 1,00,00,000
29 50,000 0 50,000 97,404 17,938 2,250 0 0 0 0 13,45,095 20,941 13,24,154 13,24,154 1,00,00,000
30 50,000 0 50,000 1,05,152 19,332 2,250 0 0 4,55,594 40,807 12,99,285 20,319 17,75,367 17,75,367 1,00,00,000
31 50,000 0 50,000 1,07,312 19,721 2,250 0 0 0 0 17,65,817 27,319 17,38,499 17,38,499 1,00,00,000
32 50,000 0 50,000 1,16,489 21,373 2,250 0 0 0 0 17,16,424 26,654 16,89,770 16,89,770 1,00,00,000
33 50,000 0 50,000 1,27,004 23,266 2,250 0 0 0 0 16,53,088 25,792 16,27,295 16,27,295 1,00,00,000
34 50,000 0 50,000 1,39,100 25,443 2,250 0 0 0 0 15,73,554 24,701 15,48,853 15,48,853 1,00,00,000
35 50,000 0 50,000 1,53,040 27,952 2,250 0 0 6,42,944 64,096 14,75,197 23,343 21,58,894 21,58,894 1,00,00,000
36 50,000 0 50,000 1,54,905 28,288 2,250 0 0 0 0 21,07,219 32,817 20,74,402 20,74,402 1,00,00,000
37 50,000 0 50,000 1,71,468 31,269 2,250 0 0 0 0 19,99,411 31,339 19,68,072 19,68,072 1,00,00,000
38 50,000 0 50,000 1,90,663 34,724 2,250 0 0 0 0 18,65,726 29,496 18,36,230 18,36,230 1,00,00,000
39 50,000 0 50,000 2,12,989 38,743 2,250 0 0 0 0 17,01,741 27,225 16,74,516 16,74,516 1,00,00,000
40 50,000 0 50,000 2,39,047 43,434 2,250 0 0 9,69,073 79,273 15,02,204 24,453 25,26,097 25,26,097 1,00,00,000

O.X.X
Quotation No : 70006816784

Family Benefit
Benefit Benefit
@8% @4%
Fund value at the end of year-with family benefit 71,50,236 25,43,713
Fund value at the end of year-without family benefit 70,91,187 25,26,097

The Benefits shown above (Death Benefit, Surrender Value) are payable assuming Death / Surrender occur at end of the year.

Notes:
1. Refer the salesliterature for explanation of terms used in this illustration.
2. Fund Management Charge is based on the specific fund option(s) chose
3. In case rider charges are collected explicitly through collec on of rider premium, and not by way of cancella on of units, then such charges are not considered in this illustra on other cases, rider charges are included in
other charges.
4. Other charges include morbidity and rider Charges , if any

I, ________ , have explained the premiums and benefits under the policy fully to the prospect / I, ____________ , having received the informa on with respect to the above, have understood the above
policyholder. statement before entering into the contract.

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

Notes: Bajaj Allianz Life Invest Protect Goal II

1. Please consult our 'Insurance Consultant' for any clarifications on this illustration.
2. Unit Linked Life Insurance Products are different from the traditional insurance products and are subject to the risk factors.
3. All benefits payable under the Policy are subject to the tax laws and other financial enactments, as they exist from time to time.
4. The Regular Premium and Top Up Premium, if any, paid is subject to investment risks associated with capital markets and Unit Prices may go up and down based on the performance of the underlying assets in the Funds
and the factors influencing the Capital market and the Life Assured/ Policyholder is responsible for his/ her decisions.
5.Bajaj Allianz Life Insurance is the name of the company & Bajaj Allianz Life Invest Protect Goal II is only the name of the Insurance Plan and does in no way indicate the quality of the policy, its future prospects or returns.
6. On death of the life assured, Higher of (Prevailing Sum Assured or Regular Premium Fund Value) plus Higher of (Top up Sum Assured or Top up Premium Fund Value) is payable, provided all due premiums are paid up to
date.The total death benefit shall be at least the Guaranteed Benefit of 105% of Total premiums paid
7. The plan provides Loyalty Advantage, as detailed below. These will be added into the fund provided all due premiums under the policy are paid up to the date of each Loyalty Advantage. The Loyalty Advantage
available in the product are:
i) Return Of Premium Allocation Charge (ROAC) :At the end of the 20th policy year, the total of all the premium allocation charges w.r.t. regular/limited premiums deducted under the policy will be added into the fund
ii) Return Of Premium Mortality Charge (ROMC) :The mortality charges deducted will be added to the Fund value including to the Top-up Fund Value (in amount and timing) as per the table given below-

At the end of Policy Year Return of Mortality Charge of

7 25% of Mortality charge deducted till 7th year
15 50% of total Mortality charge deducted till 15th year Less Mortality charge already returned
20 100% of Mortality charge deducted till the end 20th Policy Year Less Mortality charge already returned
25 or at Maturity whichever is earlier 100% of Mortality charges deducted from 21st Policy Year to (end of the 25th Policy Year or at Maturity, whichever is earlier)
30 or at Maturity whichever is earlier 100% of Mortality charges deducted from 26th Policy Year to (end of the 30th Policy Year or at Maturity ,whichever is earlier)
35 or at Maturity whichever is earlier 100% of Mortality charges deducted from 31st Policy Year to ( end of the 35th Policy Year or at Maturity, whichever is earlier)
40 or at Maturity whichever is earlier 100% of Mortality charges deducted from 36th Policy Year to ( end of the 40th Policy Year or at Maturity, whichever is earlier)

iii) Loyalty Addi on (LA): At the end of 20th Policy Year and end of every 5th Policy Year therea er, ll the end of the Policy term (as applicable in the policy), Loyalty Addi ons as a propor on (as given in the table below)
of the average of the daily Regular Premium Fund Values during the previous 3 years (including the current year) will be added into the fund.
End of Policy
Year 20th year 25th year 30th year 35th year 40th year
LA% 2.50% 2.50% 3.00% 4.00% 4.50%

iv) Fund Maintenance Booster (FMB): From the 4th policy year, if the Fund Value is below one (1) Annualized Premium (will be checked at the start of each Policy month), then, Fund Maintenance Booster will be added to
the fund

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

O.X.X