URN No.

BI417908637

Benefit Illustration for Pramerica Life Guaranteed Return on Wealth

Product Code: T49 Quote Generated by: PLIL

Quotation Date: Mon Apr 08 2024
This benefit illustration is intended to show year-wise premiums payable and benefits under the policy. The illustration is in accordance with the guidelines set by Life Insurance Council & Insurance
Regulatory and Development Authority of India. 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. 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 actual future investment performance.
Customer Details Proposal No.:
Name of the Policyholder: Sanjeev Kumar Name Of the Product: Pramerica Life Guaranteed Return on Wealth
A Non-linked Non-Participating Individual Life Insurance Savings
Age: 36 Years Tag Line:
Plan
Gender: Male Unique Identification No.: 140N077V02
GST & Cess Rate (first year): 4.5%
GST & Cess Rate (2nd year
2.25%
onwards):
Name of Life Assured: Sanjeev Kumar
Age: 36 Years
Gender: Male
Extras (if applicable)
Policy Details Underwriting Extra Details Applicable Rate Duration (years)
Plan Option: Lump Sum
Premium Paying Term: 5 Years
Deferment Period: NA
Income Period: NA
Policy Term: 10 Years
Base Sum Assured: Rs 11,00,000
Sum Assured on Maturity: Rs 5,50,000
Medical Sum Under Consideration (MSUC): Rs. 11,22,000. The mentioned amount can be referred
Income Payout Frequency NA to determine the medical requirements.#
Guaranteed Survival Benefit Installment NA
Sum Assured On Death: Rs 11,00,000
(at inception of Policy)

Communication Address:
Pramerica Life Insurance Limited 4th Floor, Building No-9B,DLF Cyber City, Phase - III,Gurgaon - 122002, Haryana, Registration No. 140

Company Salesperson's Signature:_______________________________ Proposer's Signature:_______________________________

DECIMAL Version No. 2.3.0 Page: 1/3
Mode of Premium Payment: Annual
Amount of Instalment Premium: Rs 1,00,000

Premium Summary
Base Plan Riders Total Instalment Premium
Instalment Premium without GST & Cess Rs 1,00,000 NA Rs 1,00,000
Instalment Premium with First Year GST & Cess Rs 1,04,500 NA Rs 1,04,500
Instalment Premium with GST & Cess 2nd Year Onwards Rs 1,02,250 NA Rs 1,02,250

(Amount in Rupees)
GUARANTEED NON GUARANTEED

Policy Annualized Survival Base Sum Accrued Loyalty Maturity Total Death Min Guaranteed Special Surrender
Age
Year Premium Benefits Assured Additions Benefit Benefit Surrender Value Value
1 37 1,00,000 0 11,00,000 0 0 11,00,000 0 0
2 38 1,00,000 0 11,00,000 0 0 11,00,000 60,000 1,15,610
3 39 1,00,000 0 11,00,000 0 0 11,00,000 1,05,000 1,87,902
4 40 1,00,000 0 11,00,000 0 0 11,00,000 2,00,000 2,71,480
5 41 1,00,000 0 11,00,000 0 0 11,00,000 2,90,000 3,67,675
6 42 0 0 11,00,000 0 0 11,00,000 3,30,000 3,98,420
7 43 0 0 11,00,000 46,525 0 11,46,525 4,04,680 4,68,272
8 44 0 0 11,00,000 93,050 0 11,93,050 4,86,208 5,47,171
9 45 0 0 11,00,000 1,39,575 0 12,39,575 5,76,050 6,36,133
10 46 0 0 11,00,000 1,86,100 7,36,100 12,86,100 0 0

# In addition to mentioned MSUC amount, decision to conduct medicals may also take into account detailed underwriting and any previously existing policy (if any) of the customer with
Pramerica Life Insurance Ltd.

Communication Address:
Pramerica Life Insurance Limited 4th Floor, Building No-9B,DLF Cyber City, Phase - III,Gurgaon - 122002, Haryana, Registration No. 140

Company Salesperson's Signature:_______________________________ Proposer's Signature:_______________________________

DECIMAL Version No. 2.3.0 Page: 2/3
 Conditions applicable specific to this product:

1. The illustrated benefits are assumed as at end of the Policy Year.

2. The above information must be read in conjunction with the sales literature and policy document. In case of any conflict between this benefit illustration and your policy document, the latter shall
prevail.
3. The Death benefit, Maturity benefit, Surrender benefit as shown in the table above are payable assuming Death / Maturity / Surrender occurs at the end of the policy year.
4. Guaranteed Survival Benefit mentioned in the table above is the benefit payable in a year as per the chosen Income Payout frequency
5. The policy will acquire Surrender value after payment of at least two year's Premium in full. Thereafter, if the customer decides not to pay further Premiums, he/she would have the option to either
surrender the Policy or let the Policy continue with reduced benefits in accordance with Policy Document.
6. Surrender Value Payable is higher of Guaranteed Surrender Value and Special Surrender Value. Surrender value payable is subject to change, basis change in special surrender value. The
Policyholder can contact the Company regarding the latest available surrender value under the Policy.
7. Pramerica Life Guaranteed Return on Wealth is only the name of the Policy and does not in any way indicate the quality of the policy, its future prospects or returns.

General Conditions:

1. The benefits payable on death, survival and maturity under this plan are guaranteed.
2. The illustrative benefits above assume that all Premium are paid on due date at the beginning of the policy year.
3. Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any and Goods & Service Tax and applicable Cess.
4. The Instalment premium mentioned above (with First Year and 2nd Year GST & Cess) is the Premium payable on the due date and includes tax which is levied as per the applicable tax rates.
5. Installment Premium without GST & Cess is the Premium payable on the due date excluding tax.
6. Past Performance of any plan of the company is not necessarily indicative of the future performance of any of the plans.
7. For more details on risk factors, description of benefits or for any other benefit available under the policy, please refer to the sales brochure and Policy document.
8. For any further clarifications, please feel free to get in touch with your Company Salesperson.
9. Please contact the Company for further details on various premium paying mediums available under the plan.
10. Tax Benefits may be available as per the prevailing Income Tax laws.

I, …………………………………,have explained the premiums, and benefits I ________________________________________, having received the information
under the product fully to the prospect / policyholder. with respect to the above, have understood the above illustration and
Date: statements before entering into the contract.
Place: Date:

Signature of the Agent/Intermediary/ Official Signature of Prospect / Policyholder

Communication Address:
Pramerica Life Insurance Limited 4th Floor, Building No-9B,DLF Cyber City, Phase - III,Gurgaon - 122002, Haryana, Registration No. 140

Company Salesperson's Signature:_______________________________ Proposer's Signature:_______________________________

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