IndiaFirst Life Smart Retirement Plan

Vesting Benefit –

Fund Value as on the Vesting Date will be payable.

Additionally, for Retire Smart Option, all mortality charges deducted during the Policy Term will be added back to the Fund Value, provided the policy is in-force and all due premiums have been paid.

Death Benefit

On death of the Life Assured, before the end of Policy Term, while the Policy is in force, the Beneficiary/Claimant will receive Death Benefit and Policy will terminate. The Death Benefit shall be higher of the following:

• Sum Assured^# on Death; or
• Fund Value as on the date of intimation of death.

Where,
a. Sum Assured on Death in this Policy at any time during the Policy Term will be 105% of Total Premiums Paid.
b. The amount of Sum Assured on Death shall be reduced to the extent of the Partial Withdrawals made during the 2 (Two) years immediately preceding the date of death of the Life Assured.

Grow your retirement corpus with Market Linked Returns!

• 3 new Pension Fund options – 1 Equity, 1 Debt & 1 Liquid Fund to choose from
• Equity Fund to be launched as an NFO for Limited Period only!

ZERO Charges!

• Zero Premium Allocation & Policy Admin charges
• ROMC at Maturity^ makes effective charges zero

You Pay 100, we invest 105!

• Get Guaranteed Addition* of up to 5% in Year 1
• Higher Premium Paying Term, higher Guaranteed Addition

Manage your investment with the ease of SIP

• Use Fund Transfer Strategy to create an SIP to boost & safeguard your returns
• Manage your investments yourself with unlimited switches & premium redirections

Entry Age:-

Min:- 18 years

Max: - 70 years

Maturity Age :-

Min:- 40 years

Max:- 80 years

Min Policy Term / Premium Paying Term:-

Single Pay – 5 years

8, 10, Regular Pay – 15 years

15 Pay – 16 years

Max Policy Term

up to age 80

Min Premium :-

Annual: - INR 60,000

Half-Yearly: - INR 30,000

Quarterly: - INR 15,000

Monthly: - INR 5000

Single:- INR 1,50,000

Max Premium :- No Limit, subject to Board Approved Underwriting Policy

Sum Assured on Death:-

105% of Total Premiums Paid

• For details on charges, please refer brochure on IndiaFirst Life Website – www.indiafirstlife.com

• #The amount of Sum Assured on death shall be reduced to the extent of the partial withdrawals made if any during two years immediately preceding the date of death of the Life Assured.
• ^Under Retire Smart Option
• *Guaranteed Additions depends on chosen PPT & payment frequency and will be applicable on 1st policy year premium only and will be recovered if the policy is cancelled under free look
• Linked Insurance Products are different from the traditional insurance products and are subject to risk factors. The Premium paid in unit-linked life insurance policies are subject to investment risks associated with capital markets and 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. IndiaFirst Life Insurance Company Limited is only name of the Insurance Company and IndiaFirst Life Smart Retirement Plan (UIN 143L076V01) is only the name of the Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects, or returns. Please know the associated risks and the applicable charges from your Insurance Agent or the Intermediary or policy document issued by the Insurance Company. 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. 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 premiums & funds are subject to certain charges related to the fund or to the premium paid. For more details on risk factors and terms and conditions, please read the sales brochure carefully before concluding the sale. IndiaFirst Life Insurance Company Limited, IRDAI Regn No. 143, CIN: U66010MH2008PLC183679, Address: 12th & 13th floor, North Tower, Building 4, Nesco IT Park, Nesco Centre, Western Express Highway, Goregaon (East), Mumbai – 400 063. Toll free No – 18002098700. Email id: customer.first@indiafirstlife.com, Website: www.indiafirstlife.com. Fax No.: +912268570600.