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Benefit Illustration

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Proposal No: 620247452

Name of the Name of the Product: Max Life Online Savings plan
Manoj Singh Duhan
Prospect/Policyholder:
A Unit-Link ed Non-Participating Individual
A ge & Gender: 37 Years, Male Tag Line: Life Insurance Plan
Name of the Life A ssured: Manoj Singh Duhan Policy Option: Variant 2
A ge & Gender: 37 Years, Male Unique Identification No: 104L098V05
Sum A ssured: Rs. 8,10,000 GST Rate: 18.00%
Policy Term & Premium 27 Years & 20 Years Max Life State: Haryana
Payment Term: Policyholder Residential State: DELHI
A mount of Installment Rs. 5,000 Investment Strategy Opted for: NA
Premium:
Mode of payment of
premium: Monthly

High Growth Fund (Risk Rating-Very High) :


Funds opted for along with their risk level 30%
[Please specify the customer specific
fund option):

NIFTY Sm all cap Q uality Index Fund (Risk


Rating-Very High) : 70%

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 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 break-up of the charges, and other values.

Note: 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 illustration 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.

Rider Details
Critical Illness and Disability-Secure Rider - NA
Critical Illness and Disability-Secure Rider - Rider Coverage Variant
NA
Prem ium Paym ent Term and Rider Term Critical Illness and Disability-Secure Rider - Rider
Sum Assured NA

Premium Summary
Max Life Critical Illness and Disability-Secure
Base Plan Total Installment Premium
Rider
Installment Premium without GST (in Rs.) 5,000 0 5,000
Installment Premium with First Year GST (in Rs.) 5,000 0 5,000
Installment Premium with GST 2nd Year Onwards (in 5,000 0 5,000
Rs.)

UIN: 104L098V05
Part A
(A mount in Rupees)
A t 4% p.a. Gross Investment Return A t 8% p.a. Gross Investment Return
Commission
Policy A nnualized Mortality, Fund at Mortality, Fund at payable to
Year Premium Morbidity Other Surrender Death Other Surrender Death
Charges* GST End of Value Benefit Morbidity Charges* GST End of Value Benefit intermediary
Charges Year Charges Year
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
1 60,000 2,432 338 499 57,957 53,854 8,10,000 2,432 343 500 59,162 54,974 8,10,000 -
2 60,000 2,573 973 638 1,17,300 1,14,468 8,10,000 2,573 1,004 644 1,22,076 1,19,244 8,10,000 -
3 60,000 2,729 1,623 783 1,78,047 1,75,923 8,10,000 2,729 1,708 799 1,88,970 1,86,846 8,10,000 -
4 60,000 2,920 2,288 937 2,40,195 2,38,779 8,10,000 2,920 2,456 968 2,60,067 2,58,651 8,10,000 -
5 60,000 3,143 2,969 1,100 3,03,742 3,03,742 8,10,000 3,143 3,251 1,151 3,35,606 3,35,606 8,10,000 -
6 60,000 3,377 3,664 1,267 3,68,713 3,68,713 8,10,000 3,377 4,096 1,345 4,15,868 4,15,868 8,10,000 -
7 60,000 3,660 4,375 1,446 4,35,089 4,35,089 8,10,000 3,660 4,992 1,557 5,01,107 5,01,107 8,10,000 -
8 60,000 3,968 5,101 1,632 5,02,876 5,02,876 8,10,000 3,968 5,944 1,784 5,91,622 5,91,622 8,10,000 -
9 60,000 4,336 5,842 1,832 5,72,041 5,72,041 8,10,000 4,336 6,955 2,032 6,87,690 6,87,690 8,10,000 -
10 60,000 4,740 6,598 2,041 6,42,576 6,42,576 8,10,000 4,740 8,029 2,298 7,89,633 7,89,633 8,10,000 -
11 60,000 5,177 7,369 2,258 7,14,480 7,14,480 8,10,000 5,177 9,167 2,582 8,97,804 8,97,804 8,10,000 -
12 60,000 5,676 8,154 2,489 7,87,716 7,87,716 8,10,000 5,676 10,375 2,889 10,12,537 10,12,537 8,10,000 -
13 60,000 6,199 8,954 2,728 8,62,289 8,62,289 8,19,000 6,199 11,656 3,214 11,34,240 11,34,240 8,19,000 -
14 60,000 6,898 9,768 3,000 9,38,026 9,38,026 8,82,000 6,898 13,015 3,584 12,63,161 12,63,161 8,82,000 -
15 60,000 7,732 10,593 3,299 10,14,796 10,14,796 9,45,000 7,732 14,453 3,993 13,99,611 13,99,611 9,45,000 -
16 60,000 8,607 11,429 3,607 10,92,578 10,92,578 10,08,000 8,607 15,975 4,425 15,44,041 15,44,041 10,08,000 -
17 60,000 9,520 12,276 3,923 11,71,353 11,71,353 10,71,000 9,520 17,585 4,879 16,96,933 16,96,933 10,71,000 -
18 60,000 10,342 13,135 4,226 12,51,257 12,51,257 11,34,000 10,342 19,293 5,334 18,58,959 18,58,959 11,34,000 -
19 60,000 11,027 14,007 4,506 13,32,484 13,32,484 11,97,000 11,027 21,102 5,783 20,30,893 20,30,893 11,97,000 -
20 60,000 11,656 14,893 4,779 14,15,136 14,15,136 12,60,000 11,656 23,023 6,242 22,13,460 22,13,460 12,60,000 -
21 0 12,222 15,441 4,979 14,38,459 14,38,459 12,60,000 12,222 24,703 6,647 23,45,305 23,45,305 12,60,000 -
22 0 12,766 15,693 5,123 14,61,755 14,61,755 12,60,000 12,766 26,176 7,010 24,85,228 24,85,228 12,60,000 -
23 0 13,271 15,945 5,259 14,85,072 14,85,072 12,60,000 13,271 27,739 7,382 26,33,812 26,33,812 12,60,000 -
24 0 13,756 16,197 5,391 15,08,434 15,08,434 12,60,000 13,756 29,399 7,768 27,91,658 27,91,658 12,60,000 -
25 0 14,516 16,448 5,573 15,31,513 15,31,513 12,60,000 14,516 31,162 8,222 29,59,041 29,59,041 12,60,000 -
26 0 15,705 16,693 5,832 15,53,787 15,53,787 12,60,000 15,705 33,029 8,772 31,36,071 31,36,071 12,60,000 -
27 0 17,062 16,928 6,118 15,75,034 15,75,034 12,60,000 17,062 35,001 9,371 33,23,183 33,23,183 12,60,000 -
*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, ................ (nam e), have ex plained the prem ium s, charges and
benefits under the policy fully to the prospect / policyholder.
I, ................ (nam e), having received the inform ation with respect to
the above, have understood the above statem ent before entering into
Place : Signature / O TP Confirm ation Date / the contract.
Date :23 Feb 2024 Thum b Im pression / Electronic
Signature of Agent/ Interm ediary /
O fficial Date :23 Feb 2024 Signature / O TP Confirm ation Date /
Thum b Im pression / Electronic
Signature of Prospect/ Policyholder
This system generated benefit illustration shall be treated as signed
by m e.

UIN: 104L098V05
Gross
Part B 8% pa Net Yield 6.84% (A mounts in Rupees)
Yield
A nnualized
Premium Premium - Policy A dditions Fund Fund at
Policy A nnualized A llocation Mortality A dmin. Guarantee Other to End Surrender Death
Premium GST before FMC
Year Premium(A P) Charge Charge Charge Charges* the of the value Benefit
A llocation FMC
(PA C) Charge fund* Year
Charges
1 60,000 - 60,000 2,432 500 - - - - 59,225 343 59,162 54,974 8,10,000
2 60,000 - 60,000 2,573 644 - - - - 1,22,206 1,005 1,22,076 1,19,244 8,10,000
3 60,000 - 60,000 2,729 799 - - - - 1,89,171 1,708 1,88,970 1,86,846 8,10,000
4 60,000 - 60,000 2,920 968 - - - - 2,60,344 2,456 2,60,067 2,58,651 8,10,000
5 60,000 - 60,000 3,143 1,151 - - - - 3,35,963 3,251 3,35,606 3,35,606 8,10,000
6 60,000 - 60,000 3,377 1,345 - - - - 4,16,310 4,095 4,15,868 4,15,868 8,10,000
7 60,000 - 60,000 3,660 1,557 - - - - 5,01,640 4,992 5,01,107 5,01,107 8,10,000
8 60,000 - 60,000 3,968 1,784 - - - - 5,92,251 5,944 5,91,622 5,91,622 8,10,000
9 60,000 - 60,000 4,336 2,032 - - - - 6,88,421 6,956 6,87,690 6,87,690 8,10,000
10 60,000 - 60,000 4,740 2,298 - - - - 7,90,473 8,029 7,89,633 7,89,633 8,10,000
11 60,000 - 60,000 5,177 2,582 - - - - 8,98,758 9,167 8,97,804 8,97,804 8,10,000
12 60,000 - 60,000 5,676 2,889 - - - - 10,13,614 10,375 10,12,537 10,12,537 8,10,000
13 60,000 - 60,000 6,199 3,214 - - - - 11,35,446 11,656 11,34,240 11,34,240 8,19,000
14 60,000 - 60,000 6,898 3,584 - - - - 12,64,504 13,015 12,63,161 12,63,161 8,82,000
15 60,000 - 60,000 7,732 3,993 - - - - 14,01,099 14,453 13,99,611 13,99,611 9,45,000
16 60,000 - 60,000 8,607 4,425 - - - - 15,45,683 15,975 15,44,041 15,44,041 10,08,000
17 60,000 - 60,000 9,520 4,879 - - - - 16,98,738 17,586 16,96,933 16,96,933 10,71,000
18 60,000 - 60,000 10,342 5,334 - - - - 18,60,936 19,292 18,58,959 18,58,959 11,34,000
19 60,000 - 60,000 11,027 5,783 - - - - 20,33,053 21,102 20,30,893 20,30,893 11,97,000
20 60,000 - 60,000 11,656 6,242 - - - - 22,15,814 23,023 22,13,460 22,13,460 12,60,000
21 0 - 0 12,222 6,647 - - - - 23,47,799 24,703 23,45,305 23,45,305 12,60,000
22 0 - 0 12,766 7,010 - - - - 24,87,871 26,176 24,85,228 24,85,228 12,60,000
23 0 - 0 13,271 7,382 - - - - 26,36,613 27,739 26,33,812 26,33,812 12,60,000
24 0 - 0 13,756 7,768 - - - - 27,94,627 29,400 27,91,658 27,91,658 12,60,000
25 0 - 0 14,516 8,222 - - - - 29,62,188 31,162 29,59,041 29,59,041 12,60,000
26 0 - 0 15,705 8,772 - - - - 31,39,406 33,028 31,36,071 31,36,071 12,60,000
27 0 - 0 17,062 9,371 - - - - 33,26,717 35,001 33,23,183 33,23,183 12,60,000

UIN: 104L098V05
Gross
Yield 4% pa (A mounts in Rupees)

A nnualized
Premium Premium - Policy A dditions Fund Fund at
Policy A nnualized A llocation Premium Mortality GST A dmin. Guarantee Other to before FMC End Surrender Death
Year Premium(A P) Charge Charge Charge Charges* the of the value Benefit
(PA C) A llocation Charge fund* FMC Year
Charges
1 60,000 - 60,000 2,432 499 - - - - 58,019 338 57,957 53,854 8,10,000
2 60,000 - 60,000 2,573 638 - - - - 1,17,424 973 1,17,300 1,14,468 8,10,000
3 60,000 - 60,000 2,729 783 - - - - 1,78,236 1,623 1,78,047 1,75,923 8,10,000
4 60,000 - 60,000 2,920 937 - - - - 2,40,450 2,288 2,40,195 2,38,779 8,10,000
5 60,000 - 60,000 3,143 1,100 - - - - 3,04,065 2,968 3,03,742 3,03,742 8,10,000
6 60,000 - 60,000 3,377 1,267 - - - - 3,69,105 3,664 3,68,713 3,68,713 8,10,000
7 60,000 - 60,000 3,660 1,446 - - - - 4,35,552 4,375 4,35,089 4,35,089 8,10,000
8 60,000 - 60,000 3,968 1,632 - - - - 5,03,411 5,101 5,02,876 5,02,876 8,10,000
9 60,000 - 60,000 4,336 1,832 - - - - 5,72,649 5,842 5,72,041 5,72,041 8,10,000
10 60,000 - 60,000 4,740 2,041 - - - - 6,43,260 6,598 6,42,576 6,42,576 8,10,000
11 60,000 - 60,000 5,177 2,258 - - - - 7,15,240 7,369 7,14,480 7,14,480 8,10,000
12 60,000 - 60,000 5,676 2,489 - - - - 7,88,553 8,154 7,87,716 7,87,716 8,10,000
13 60,000 - 60,000 6,199 2,728 - - - - 8,63,206 8,954 8,62,289 8,62,289 8,19,000
14 60,000 - 60,000 6,898 3,000 - - - - 9,39,024 9,768 9,38,026 9,38,026 8,82,000
15 60,000 - 60,000 7,732 3,299 - - - - 10,15,876 10,593 10,14,796 10,14,796 9,45,000
16 60,000 - 60,000 8,607 3,607 - - - - 10,93,740 11,429 10,92,578 10,92,578 10,08,000
17 60,000 - 60,000 9,520 3,923 - - - - 11,72,599 12,276 11,71,353 11,71,353 10,71,000
18 60,000 - 60,000 10,342 4,226 - - - - 12,52,587 13,135 12,51,257 12,51,257 11,34,000
19 60,000 - 60,000 11,027 4,506 - - - - 13,33,901 14,006 13,32,484 13,32,484 11,97,000
20 60,000 - 60,000 11,656 4,779 - - - - 14,16,641 14,893 14,15,136 14,15,136 12,60,000
21 0 - 0 12,222 4,979 - - - - 14,39,988 15,441 14,38,459 14,38,459 12,60,000
22 0 - 0 12,766 5,123 - - - - 14,63,310 15,693 14,61,755 14,61,755 12,60,000
23 0 - 0 13,271 5,259 - - - - 14,86,651 15,945 14,85,072 14,85,072 12,60,000
24 0 - 0 13,756 5,391 - - - - 15,10,038 16,197 15,08,434 15,08,434 12,60,000
25 0 - 0 14,516 5,573 - - - - 15,33,142 16,448 15,31,513 15,31,513 12,60,000
26 0 - 0 15,705 5,832 - - - - 15,55,439 16,693 15,53,787 15,53,787 12,60,000
27 0 - 0 17,062 6,118 - - - - 15,76,709 16,928 15,75,034 15,75,034 12,60,000

*There are no charges included in other charges. There are no additions included on Additions to the fund.
Notes: 1. Refer the sales literature for explanation of terms used in this illustration.
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 illustration. In other cases, rider charges are included in other charges.

I, ................ (nam e), have ex plained the prem ium s, charges and
benefits under the policy fully to the prospect / policyholder.
I, ................ (nam e), having received the inform ation with respect to
the above, have understood the above statem ent before entering into
Place : Signature / O TP Confirm ation Date / the contract.
Date : 23 Feb 2024 Thum b Im pression / Electronic
Signature of Agent/ Interm ediary /
O fficial Date : 23 Feb 2024 Signature / O TP Confirm ation Date /
Thum b Im pression / Electronic
Signature of Prospect/ Policyholder
This system generated benefit illustration shall be treated as signed
by m e.

UIN: 104L098V05

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