BHARTI AXA LIFE INSURANCE SAVE CONFIDENT

If your main aim is to secure growth on your investments, with flexibility to meet your financial objectives, while providing your family a comprehensive and enhanced protection against unfortunate incidents, Bharti AXA Life Save Confident is a suitable product for you.

The product is best suited if:

• You wish to get a  product that enables you to plan for important milestones in your life
• You want a product with additional accidental death cover at no extra charge.

The features consist of:

• A product where you have to pay the premium for only 12 years and  you get the benefit for 15 years
• Savings through Annual Reversionary Bonuses and Terminal Bonuses if declared
• Money back guarantee through annual regular payments
• Complete protection with an in-built accidental death benefit in addition to the normal death benefit.

BENEFITS:

You get regular money back through Guaranteed Annual Regular Payments every policy year starting from the 6th year.

On maturity, you get back 50% of the Sum Assured plus accumulated Annual Reversionary Bonus (if any) plus Terminal Bonus (if any).

Through this policy you get the additional advantage of money back.

Guaranteed benefit through annual regular payment. You receive a guaranteed amount of survival, every starting from end of 6^th policy year which will continue till the date of maturity (15^th year).

The total amount of GARP amounts to 110%, of your basic sum assured, paid across 10 years.

Your savings are enhanced with a Terminal Bonus (TB), if any, which is payable on maturity or in case of unfortunate death.

You get the confidence of secured growth on your investments.

With Annual Reversionary Bonus (ARB), you may get an annual bonus declared on your policy every year, starting from the first year of your policy. The bonus, if declared, will be on the sum assured and compounded every year. Once declared the accrued bonus is guaranteed to be payable on maturity or on death, whichever is earlier.

Survival benefits with guaranteed annual regular payments: Bharti AXA Life Save Confident offers you the regular money back feature with guaranteed annual regular payments (GARP). Under this facility a guaranteed amount is payable (on survival) on every policy anniversary starting from the end of the 6th policy year till maturity.

Annual reversionary bonus: The Company may declare a rate of Annual Reversionary Bonus at the end of every financial year in accordance with its internal guidelines. The rate of the Annual

Reversionary Bonus is not guaranteed.

If the Policy is in effect for the full Sum Assured, Annual Reversionary Bonus shall be added to the Policy on the Policy Anniversary Date immediately following the date of its declaration.

While you pay the premium for 12 years, the ARB may be declared on your policy every year, starting from the end of the 1st policy year till the date of maturity.

Terminal bonus: The Company may pay a Terminal Bonus to the Policyholder/nominee(s), provided the Policy is in effect for the full Sum Assured, on the Maturity Date or on the death of the Life Insured at the then prevailing rate.

Maturity benefit:  You 50% of the Sum Assured (which is the same as explained under the feature of survival benefit) + all vested reversionary bonus declared till maturity (if any) + terminal bonus (if any).

Life Insurance Benefit: In case of unfortunate death of the person insured, this company provides death benefit to the Policyholder / nominee.

This benefit is paid without considering payments made earlier under the survival benefit feature & once paid out, the policy will cease to exist.

Additional Accidental Death Benefit: Upon death of the Life Insured between ages 18 and 65 years, caused due to an accident, provided the Policy is in effect for the full Sum Assured, the Company shall pay an additional amount equal to the Sum Assured of the Basic Plan or Rs.10, 00, 000 whichever is lower.

This product ensures dual protection for your loved ones in case of an unfortunate demise due to an accident.

Premium payment flexibility benefit: This plan offers you the benefit of premium payment for a limited period. This plan gives you the benefit of 15 years whereas you have to pay the premium amount for only 12 years.

With this you also get the flexibility to pay your premium yearly, half-yearly, quarterly through the ECS facility.

After premiums have been paid for first three policy years, Bharti AXA Life Save Confident acquires a surrender value. Once, it acquires a surrender value you have the option to exit the policy. The surrender value is equal to 35% of all the premiums paid till that date, excluding the first year premium & any extra premium paid under this policy.

Loan on the policy:

After the company has acquired surrender value, loan can b