Sampoorna Raksha Supreme_V17

Medical Underwriting Validity of Medical Reports: Standard Sum assured up to INR 150,000,000 Sum assured above INR 150,000,000 Sub-standard Medicals 1 Year Pre-login Underwriting approval is compulsory for medical 6 Months and financial requirements 3 Months Zero Validity For internal circulation only and not to be used for solicitation purpose. 101

Guideline for Age: 61-65 Years Video MER Mandatory + Whole life cover not For SA > 1Cr: Standard Financials Medicals allowed Policy Term will be allowed Mandatory as per Reinsurer decision Financial surrogates not allowed For internal circulation only and not to be used for solicitation purpose. 102

Homemaker Guidelines Sum at Risk Eligibility: 50% of husband’s Term Cover* OR INR 50 Lac whichever is lower [*With TALIC/any other with life insurance company/ies] Other Eligibility Conditions/Requirements: Education (LA) - Medicals - Tele-Verification: All Negative Location – Husband’s Cover - May or may not Graduate or above Underwritten Fully, cases, PSC is mandatory. Not allowed be from TALIC. All cases If husband’s term cover is not from TALIC, a copy of the policy schedule Only Life Option is available (Sampoorna Raksha Supreme) with Sum Assured and Terms of Acceptance to be attached [policy to be less than 5 years old] Financial Eligibility: Husband to be financially eligible for the combined cover on himself and his spouse. For internal circulation only and not to be used for solicitation purpose. 103

Agriculturist Guidelines Minimum Income Education - Verified Income - Land ownership Sum Assured - Medical + Video Criteria - Being Graduate ITRs and Form J* papers, mandi Capped at INR MER mandatory self-employed, will be considered receipts in LAs 50,00,000 based on INR 10 Lac will be for Min. Income name to be eligibility applicable Criteria submitted *Form J and its instructions guides one through calculation of tax on their current year elected farm income as well as the three base years to calculate average income For internal circulation only and not to be used for solicitation purpose. 104

Financial Underwriting and Financial Eligibility Calculation Age at Entry (years) Max Income Multiple* List of Standard Income Proof: 18 – 35 25 1. Recent Appointment Letter (Not more than 3 months old) with at least 1 months’ 36 – 40 20 salary slip with Provident Fund deduction 41 – 45 15 46 – 50 12 2. Latest salary revision letter (Not more than 3 months old) with at least 1 months’ 51 – 55 10 salary slip with Provident Fund deduction 56 - 65 5 3. Last 3 months’ salary slips (With Provident Fund Deduction, average income will *UW discretion may apply be considered) 4. Last 6 months Bank statements reflecting salary credit at regular periodic interval 5. Latest Form 16/Form 16 A 6. Income Tax Returns (ITR) along with CA certified (as applicable) Computation of income for last three years – Average Income of 2 years will be considered for computing eligibility 7. CA certified/Audited Profit and Loss (P&L) account & audited Balance Sheet for last 2 years. (average income will be considered) Please note, Income Proof/Proof of Source of Fund is required under AML guidelines as per defined matrix. Evidence received under AML guidelines will be used for financial assessment as well. In case where declared income, Credit bureau estimated income and documented income (income proof) are simultaneously available, then documented income will supersede all forms of income proof and documented income will be considered for financial eligibility calculations. For internal circulation only and not to be used for solicitation purpose. 105

LSPO Benefit (Life Stage Plus Option) • Max age at entry: 50 years • Policy holder cannot exercise Life Stage Plus Option post execution of Terminal illness benefit on the policy • Only Standard lives allowed • Not available to Housewife profile • Only applicable to Self-proposed policies • If Life Stage Plus Option is availed at the time of reinstatement it would be subject to underwriting. But once it is already availed; during reinstatement, the policy terms & conditions of the additional sum assured would be same as basic sum assured • MSAR/FSAR = Base Sum Assured + Lower of (50% of Base Sum Assured or 50L) • If customer wants to exercise LSPO beyond 50L, then UW can be done Post issuance as per underwriting guidelines available at that time For internal circulation only and not to be used for solicitation purpose. 106

NRI COVID-19 Guidelines for all Products COVID-19 Guidelines for all Products Existing COVID-19 Vaccination guidelines to apply for Term plans 1) All applicants (Non-resident Indians) currently residing outside of India: a. Singapore, Hong Kong, China, UAE, Mandatory Medicals + Video MER Oman, Qatar, Saudi Arabia, Sri Lanka, For all other criteria’s pls refer to Term UW guidelines section of NRI Maldives, New Zealand, & Australia, Papua New Guinea, Fiji, Brunei, Thailand, Taiwan, Vietnam, Mauritius, South Korea, Bahrain, Kuwait All other countries not specified above b. All other countries not specified Not Vaccinated: Postpone for Term plan only for countries not specified above irrespective of age and SA above criteria. 1. Post Vaccination after 15 days - Mandatory Medicals + Video MER. 2. For all other criteria’s Pls refer to Term UW guidelines section of NRI. 3. Residential Guidelines Apply. 4. Max SA: Upto 5 Cr 2) All applicants with history of foreign travel/ Non-resident Indian currently residing in India Applications can be made after 15 days of Foreign Travel Minimum requirement COVID19 Q, Video MER in addition to other mandatory medical requirements 3) All applicants with travel plans to International location/s within 3 Minimum requirement COVID Q, MER/ VMER and other routine months of date of application requirements 4) Vaccination guidelines Min waiting period for issuance is 15 days after last dose (as applicable as per Age and Std / Sub-Std Rules) 5) Validity of COVID -19 questionnaire (prevailing residential loading will be applicable) COVID-19 questionnaire is valid for 30 days from date of signature For internal circulation only and not to be used for solicitation purpose. 107

Approach for Recovered from COVID-19 Without h/o hospitalization: Only quarantine/self-isolation: <= 1 month Postpone >1 month to 6 months Require complete grid medicals + Chest X – Ray > 6 Months Require complete grid medicals With h/o hospitalization: <= 3 months Postpone >3 months Require complete grid medicals, Chest X Ray and Complete follow up with blood tests, imaging (CXR, HRCT Chest) etc will be required For internal circulation only and not to be used for solicitation purpose. 108

Thank you For internal circulation only and not to be used for solicitation purpose. 109