PB_PlayBook

This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 1

Elevator Pitches It’s critical to draw the attention of your customers to our key selling points Sampoorna Raksha Supreme Param Rakshak Riders A Term plan that provides life Enjoy upside of market power Get lumpsum on diagnosis cover till age 100 years. play while the sticky wickets of any of 40 critical illnesses A Legacy Creation Plan of life are well guarded. irrespective of your medical 99.89% of the Funds are 4/5 bills Star Rating Convert any of your 105% of Return of Premium in a Enjoy the benefits of equity insurance plan into a 360o term plan. Ours is the 1st in the markets while protecting the protection plan with industry dreams and aspirations of comprehensive protection & your loved ones health riders A Term Plan that provides protection for whole of Life during your golden days Fortune Guarantee Plus Capital Guarantee Solution Capital Guarantee Retirement A plan that offers you Tax Free Leverage the benefits of the Get 12 Partial tax-free Guaranteed Income for as long as equity market with Capital withdrawals 45 years Guarantee to build a corpus to enjoy your Golden years. 99.89% Whole life cover Pay 1 Lac for 10 years, get of the Funds are 4/5 Star Rating 1.22 lacs for 35 yrs + Return of Capital Guarantee Premium. Total Benefit Build a corpus with Capital endowment option 52.71 lacs Guarantee Pay X Get 5 X Quarterly Monthly Predictable cash flows & Withdrawal flexibility leverage Upside of the market with a single stroke This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 2

Tata AIA Differentiators Ease of Doing Business Key Differentiators Relaxed financial waiver limits Best in Class Products Relaxed tele and video MER limits 100% Digital Process Differentiated Service for NRI’s Personal Medical Case Management (PMCM) TPA support in select foreign countries (5 Countries) Teleconsultation Process Differentiators GST Waiver for NRIs Tele MER Competition gives GST refund. In-house and swift processing of Tele We are the only company to give upfront MER and medicals cases GST waiver Personal Medical Case Management (PMCM) Supports in reassessment of the medical case, planning, implementation and on-going supervision to ensure best quality care. Term and TROP (Any policy with Sum Assured greater than or equal to 1 Cr); Annuity and GRIP Option 3 (whole life income); Savings plans (All incl. ULIPS) - Sum Assured on Death >= 30 Lakhs; Existing Customer Management - All customers with NoP>=2 (Including ULIP policies) TELE CONSULTATION 4 Specialist tele-consultations per month. 48 consultations per year. Available with: Sampoorna Raksha Supreme – SA 1 Cr & above and cases for SP Fortune Guarantee Plus – All PPT/PTs for Option 1&2 This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 3

VMER Limits Param Rakshak Tele MER Limits & Eligibility Criteria Age Band Term TSAR* 18-40 yrs Upto 2.25 Cr - Tele MER 41-45 yrs Upto 1.5 Cr – Tele MER Above 45 yrs to 55 yrs Grid Medicals + FW [ If applicable upto 1 Cr] / Standard Financials Criteria for Param Rakshak • Income/Education- No minimum qualifying conditions. or eligibility HLV should get justified basis declared income • location- No restrictions / Negative locations; For NRI/OCI/PIO- NRI guidelines with Residential loading will apply • Max Age limits- Upto 45 years only B checks only for non-HLV reasons. PSC -Mandatory for all policies. • Financial UW- Based on Declared income only (Declared income must be the one filed for income tax purpose) ; HLV should get justified basis declared income • Medical UW- Short Tele MER only • Direct Loading (no reflex medicals) on select conditions • In any scenario, if medicals are triggered/done case will follow regular UW guidelines applicable for regular Term products • *TERM TSAR = only TATA issued policies since 1st Apr 21 • For PR TSAR above 2.25 CR regular Term UW guidelines will apply • Financial Waiver of up to 2.25 crores on all Tele MER/ VMER cases • For all Physical Medical Cases were VPSC is done, VMER is not mandatory Income Multiplier Age at Entry (years) Max Income Multiple 18 – 35 25 36 – 40 20 41 – 45 15 46 – 50 12 51 – 55 10 56 - 65 5 This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 4

Term Plan – Underwriting Guidelines Below rules to be applicable to Term Products including ILP and SSR and are mandatory. 1. Vaccination is not mandatory for any kind of Insurance cover across any age group. 2. Waiting period post vaccination will be applicable as follows- a. After first Dose- 7 days b. After Second dose- 15 days Entry Criteria: 1) Entry Age criteria : Min Age: 18 years , Max Age: 65 years 2) Age Proof: • Only Standard Age Proof is acceptable for all Life to be Insured. 3) Education: • Minimum qualification of HSC (Higher Secondary Certification or equivalent) i.e. minimum 10+2 regular course o For exception handling scenarios - For SSC (10th) pass only Pls refer to next section 4) Annual Income criteria:- (A) Resident Indian • Annual verified income for Salaried, Professional , Business Owner / Self Employed should be minimum INR 5 Lac. Drawing Salary from own business or closely held family business will not be considered under Salaried. • Annual verified income for Business owner or self-employed, the average business profit for last two years should be minimum INR 5 Lac. • Annual verified income for the Employees of partners^ - o Minimum Education : Graduate and Earned Income of 3 lakhs o Max cover Upto 1 Cr TSAR s/t HLV met o Mandatory Medicals ^ All Bank partner employees, Tata Group employees, Employees of Bluechip, IEP, Bajaj Capital, NJ, GenNext, Landmark, Invictus, Probus, D2C & Policy Bazar This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 5

Term Plan – Underwriting Guidelines Revised Underwriting Guidelines for Term Plan Residential Indian Age Band Grid Guideline 1 Guideline 2 Lower of declared / Lower band of Estimated income Income : Salaried:7.5L; Self Employed: 7.5L basis bureau Self Employed: 10L (VPSC + tele MER) only + FW / Std 18-40 yrs >=1 Cr to 2.25 Cr =1Cr 41-45 yrs NA Financial documents (VPSC + tele MER) only + FW / Std >=1 Cr to 1.5 Cr Financial documents Medical + Financial Waiver Grid Medicals + (VPSC + < 1 Cr <> 1 Cr conditions as per 1 Cr tele MER) + applicable as per Below Grid FW [ If applicable upto 1 Cr] / SFE Grid Medicals + (VPSC + All Sum Assured tele MER) + FW [If applicable upto < 1 Cr and > 1.5 Cr 1 Cr] / SFE Above 45 yrs to 55 yrs Grid Medicals + (VPSC + tele MER) + FW [If applicable upto 1 Cr] / SFE Above 55 years No Financial Waiver For Criteria Failures like o Education < Graduate o Income: Lower - Min Band of Bureau / Declared Income Less than 7.5 Lacs for Salaried and Self Employed 7.5 L / 10 L as per above Guideline 1 / 2 o (VPSC + Tele MER) Eligible case : But any adverse disclosures that qualify for Grid Medicals evaluation; FW will not be applicable + Standard Financial documents will be required This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 6

Term Plan – Underwriting Guidelines Revised Underwriting Guidelines for Term Plan For NRI Age Proof: • For all NRI / PIO /OCI Life to be Insured only PASSPORT will be accepted as Standard Age Proof. No other age proof will be accepted for NRI / PIO / OCI Life to be Insured. Annual Income criteria: NRI / PIO / OCI - • Annual verified income for Salaried, Professional, Business owner or Self- employed should be minimum INR 10 Lac. Geographical Location: NRI / PIO / OCI - o Age -limit:- Allowed within 18-60 years o Video-MER is mandatory in all cases o Maximum Sum Assured allowed will be:- i. Set A countries [Singapore, Hong Kong, China, UAE, Oman, Qatar, Saudi Arabia, Sri Lanka, Maldives, New Zealand, & Australia, Papua New Guinea, Fiji, Brunei, Thailand, Taiwan, Vietnam, Mauritius, South Korea, Bahrain, Kuwait ] can be accepted upto 5 Cr, for higher Sum assured final decision subject to reinsurer approval. ii. Set B Countries if only vaccinated can be accepted upto 5 Cr. If Not Vaccinated such proposals will be postponed iii. Substandard Countries - 2Cr – Maximum Loading upto 3/mile as per reinsurer manual can be accepted iv. Decline Countries- No cover will be offered. Applications where Life to be Insured is residing in the approved countries will only be accepted. If the approved country has a substandard rating, applications from such countries will be accepted with loading or will be declined. Refer Guidelines Video MER will be Mandatory for NRI/OCI/PIO/FN - Above MSAR of 1 Cr This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 7

Rider Underwriting Guidelines NML & Tele MER Limits Criticare Plus / inbuilt CI FG Plus Hospicare (option2) Age Band NML TMER NML TMER (MSAR) (MSAR) (MSAR) (MSAR) 18 – 35 20L 50L 10L 40L 36 – 40 20L 50L 10L 40L 41 – 45 15L 20L 10L 15L (Above is applicable irrespective of the base plan they are attached to) (Highlighted portion reflects changes in NML/Tele limits that are yet to be implemented (WIP) in system) WOP on Criticare Plus Grid for Proposer Age Band NML (MSAR) Tele-MER (MSAR) 18-40 25L 50L NA 41-65 25L (Above grid is derived basis WOP on Criticare Plus Medical Sum at risk.) Underwriting/Product Guidelines – Partner Care Benefit Standard Age proof is mandatory. Partner Age should be within 45-90 years Relationships Allowed:- Parents, Siblings, Spouse, Children, Father-in-Law, Mother-in-Law Underwriting/Product Guidelines - Waiver of Premium Benefit on CPB/ATPD Health Annexure of proposer is required in Non-self policy Rider guidelines applicable for the proposer This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 8

COVID Guidelines Waiting Period • Minimum waiting period for issuance is 7 days after 1st Dose • Minimum waiting period for issuance is 15 days after 2nd Dose COVID 19 Positive with Hospitalization • If the application is logged in within 3 months of being Covid positive, then the application will be postponed. • If the application date is higher than 3 months, of being Covid positive, then the applicant will be required to undergo full grid medicals along with Chest X Ray and Complete follow up with blood tests, imaging (CXR, HRCT Chest) etc. COVID 19 Positive without Hospitalization (Quarantine/ Home Isolation) • If the application is logged in within 1 month of being Covid positive, then the application will be postponed • If the application date is within 1 month to 6 months, then applicant will be required to undergo full grid medicals + chest Xray • If the application date is more than 6 months, and the applicants age is 18 to 60 yrs, for SA upto 1 crore he/she will be required to undergo full grid medicals. • If the application date is more than 6 months, and SA is greater than 1 crore he/she will be required to undergo full grid medicals + chest Xray This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 9

Best in Class Products Whatever your need… We have a Solution for you First jobbers Professionals Parents Independent women Key Needs • Protection • Protection Solution • Income Protection • Wealth Creation Solution • Long Term • Retirement • Income protection • Critical Illness/ • Long Term Guaranteed Solution Guaranteed Income • Additional Health Care Income • Parent care Protection • Investment Solutions (Market Linked Returns) Solutions Protection Long Term Guaranteed Income • Sampoorna Raksha Supreme • Fortune Guarantee Plus • Param Rakshak • Capital Guarantee: SIP+Forune Pro • Param Rakshak Retirement Solution Investment Solutions • Retirement CG (Market Linked Returns) • Fortune Guarantee Plus • Guaranteed Return Insurance Plan • Capital Guarantee: SIP+Forune Pro (Whole Life Income) Additional Protection • Protection and Health Riders with WOP; ROP; Partner Care Click the Product for more details This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 10

Life Option Payor Accelerator Benefit – 50% SA paid on terminal Illness Multiple PPT/ Term options Systematic cover increase option (Life Stage Option) Comprehensive Riders – ADB / ATPD / CI / HCB Whole Life Benefit Option Life Plus Term Plan with Return of Premium (105% of Option total premiums paid excl. loading & discount) Payor Accelerator Benefit – 50% SA paid on terminal Illness Flexible PPT/ Term options (PPT – Regular, 5, 10,12 and SP, PT – 10 to 40 Systematic cover increase option (Life Stage Option) Comprehensive Riders – ADB / ATPD / CI / HCB *Min Maturity age is 70 There is always something more than the Price to compare We are the only organization that offers Hospicare Benefit in a Term plan. 105% ROP is our biggest advantage over competition Feature Talic SRS Feature Talic SRS Life Cover  Life Cover  Inbuilt Terminal illness  Inbuilt Terminal illness  Life Stage cover  Life Stage cover  Riders – ADB, ATPD  105% ROP  Rider – CI & HospiCare  Riders – ADB, ATPD  Rider – CI & HospiCare  This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 11

Competition Benchmarking Sweet Spots Our premiums are the most competitive Life Option Life Plus Option NON ROP | Coverage Till - 85 Years | SA – 5 Cr Age Cover till PT PPT Sum SRS Age PT PPT Sum Assured SRS Assured 45 55 2,47,500 25 1 Crore 21,900 5 3,28,600 50 50 1 Crore 1,37,200 2 Crore 37,000 1,85,200 45 55 10 4,63,600 1 Crore 29,500 6,16,000 50 50 5 2,57,000 30 2 Crore 50,600 2 Crore 3,47,200 45 55 11,47,500 40 10 1 Crore 40,700 10 15,27,000 35 2 Crore 71,200 50 50 6,36,000 5 8,60,500 45 100 55 5 Crore 1 Crore 58,200 50 50 10 45 55 40 2 Crore 1,04,000 50 50 1 Crore 90,400 45 55 45 1,64,000 50 50 2 Crore ROP | Coverage Till - 85 Years | SA – 5 Cr Age PT PPT SRS 45 40 5 722500 50 35 5 997500 45 40 10 393000 50 35 10 549500 50 35 RP 430000 Comprehensive riders Partner Waiver of Return of CI, Hospicare, Care Premiums Premium (ROP) Disability This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 12

Feature Rich ULIPs Myth – Always buy a Term & ULIP separately Fact – PR offers more returns compared to a ULIP + Term Return of 2X Return of 2X 11 benchmark Premium mortality beating funds to Allocation charges Charges Starting choose from from In years 10, 11, 12 FMC lower than and 13, units are 11th policy year competition added in the policy Cover continuance Mortality rate Flexibility boosters to ensure lower than Choice of PPT, policy continuance competition Policy Term, Payment frequency Right from first Age TATA C1 month if FV drops 35 1.02 1.29 Partial withdrawal 45 2.18 2.88 Top-ups below 10% of 55 6.35 7.89 instalment premium This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 13

Feature Rich ULIPs Premiums when broken down into Monthly premium cost less than the restaurant bill for a family dinner… SA: 1 Crore, Regular Pay Age PT PR premium 4% 8% 25 21.4 L 35 37,781 3,200 p.m. 10.7 L 61.1 L 45 1.19 Cr 25 30 85,940 7,200 p.m. 30.3 L 21.4 L 35 62.5 L 45 154,259 13,000 p.m. 56.8 L 2.51 Cr Age 28,431 2,400 p.m. 8.5 L 8% 25 15.8 L 35 40 56,705 4,800 p.m. 23.9 L 36.3 L 45 85.3 L 25 152,128 13,000 p.m. 94.3 L 18.8 L 35 40.5 L 45 SA: 1 Crore, 12 Pay 1.22 Cr PT PR premium 4% 53,423 4,500 p.m. 6L 30 100,057 8,400 p.m. 13.7 L 198,285 16,500 p.m. 29.7 L 49,688 4,200 p.m. 4.8 L 40 84,530 7,100 p.m. 10.3 L 161,659 13,500 p.m. 22.4 L PPT available: RP, 12 Pay, 10 Pay, 5 Pay Policy terms: 30 years, 40 years This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 14

Feature rich ULIPs Tata AIA Funds Rated 4 or 5 Stars By Morning Star (External Rating Agency - Ratings as a % of AUM on a 5 year basis as on Oct-21). (AUM Based) – July’21 Period EQUITY LARGE CAP NIFTY 50 Last 1 yrs. 51.79% Last 3 yrs Tata AIA TOP 50 19.38% Last 5 yrs 59.24% 15.39% 25.21% Period 18.96% CRISIL COMP. Last 1 yrs. BOND. IND Last 3 yrs FIXED INCOME 4.82% Last 5 yrs 8.59% TALIC WL 7.55% Period INCOME Last 1 yrs. 3.66% NIFTY Midcap 100 Last 3 yrs 6.91% 78.53% Last 5 yrs 6.40% 21.02% 13.98% EQUITY MID CAP TALIC WL MID CAP EQ 62.54% 25.72% 17.08% This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 15

45 years Income Term….Kaun deta hai aaj ke date mein and that too guaranteed and tax free Parameter Competition Fortune Guarantee Plus Plan Option Regular Income Regular Income Income Term 25 or 30 years Regular Income : 20 to 45 years (in Multiple Joint Life of 5 years) Single Premium Not Available Available Entry Age Available PPT Not Available Min 1 Year for Regular Income Option SP, RP/LP - 5, 6, 7, 8, 9, 10, 11, 12 Riders Min 5 Years Option to attach 4 riders (HCB, CPB, Return of Premium ADB, ATPD) Commutation Option 5, 6, 10, 12 Available Accidental Disability Available @ lower rate Rider Critical Illness Plus Rider Available Available @ higher rate This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 16

Best Returns Sweet Spots There is no Competition for 35-, 40- and 45-year Income ….what are you waiting for? PPT PT Income Income IRR Income as a % of AP Total Benefits term 5 60,560 5.09% 30.28% 34,22,400 40 65,060 5.16% 32.53% 36,02,400 6 69,900 5.23% 34.95% 37,96,000 35 75,100 5.29% 37.55% 40,04,000 7 35 80,680 5.35% 40.34% 42,27,200 58 30 86,700 5.41% 43.35% 44,68,000 78,700 5.32% 39.35% 43,48,000 9 84,560 5.38% 42.28% 45,82,400 90,840 5.44% 45.42% 48,33,600 10 97,600 5.50% 48.80% 51,04,000 104,860 5.56% 52.43% 53,94,400 6 99,840 5.57% 49.92% 53,93,600 107,260 5.62% 53.63% 56,90,400 7 115,240 5.67% 57.62% 60,09,600 123,820 5.73% 61.91% 63,52,800 68 122,980 5.77% 61.49% 65,19,200 9 132,140 5.82% 66.07% 68,85,600 141,960 5.86% 70.98% 72,78,400 10 145,120 5.84% 72.56% 76,04,800 155,920 5.88% 77.96% 80,36,800 7 171,260 5.96% 85.63% 88,50,400 2,45,320 6.09% 122.6% 1,05,86,200 8 2,25,540 6.01% 112.7% 1,02,93,900 79 3,44,960 6.33% 172.4% 1,27,48,800 10 8 89 10 9 9 10 10 10 10 15 12 12 12 17 Premium 2 lacs excl. taxes Comprehensive riders Partner Waiver of Return of CI, Hospicare, Care Premiums Premium (ROP) Disability This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 17

Whole Life Single/ 45 - 65 Monthly/ Tax-Free Joint Life Years Annual Guaranteed Age at Entry Payout Income with flexible options Premium Payment Term A plan that offers Whole Life Guaranteed tax-free income Joint Life Option up to 91.8% of Annual premium Flexible PPT – Single Entry Age 45 to 65 years Pay / 5 Pay / 10 Pay Legacy for your loved ones with Commutation Option Return of Premium on death for Future Income Whole Life Guaranteed tax-free income up to 91.8% of Annual premium Higher IRR and Income % Leverage the age criteria 45 to 49 & 61 to 65 JMoiontnLtihfelyOIpnticoonme Option Joint Life Option Single Pay Option This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 18

Single Life | Joint Life | Return of Premium | Guaranteed Tax-Free Income for Whole of Life Whole Life Income (Single Life) Annualised PPT/PT Regular Income Guaranteed Assuming ROP Total IRR Age Premium % Annual Income on Death at Benefit Age 99 5.01% (Annual Mode) (Annual Mode) 5.05% 5.07% 45 5 29.47% 29,475 5,00,000 19,44,275 5.08% 50 29.86% 29,863 5,00,000 18,13,950 5.08% 55 1,00,000 30.18% 30,175 5,00,000 16,76,825 60 30.49% 30,488 5,00,000 15,36,575 IRR 65 30.85% 30,850 5,00,000 13,94,650 5.84% Whole Life Income (Single Life) 5.89% 5.96% Age Annualise Regular Income Guaranteed Assuming ROP Total 6.00% % Annual Income on Death at Benefit 5.99% d PPT/PT Age 99 Premium (Annual Mode) (Annual Mode) 45 10 82.83% 82,825 10,00,000 46,44,300 50 84.56% 84,563 10,00,000 42,97,938 55 1,00,000 86.89% 86,888 10,00,000 39,54,175 60 89.20% 89,200 10,00,000 35,86,800 65 91.41% 91,413 10,00,000 31,93,900 Have you tried the GRIP Whole Life Income with an Employer Employee Scheme, it’s an awesome combination. Connect with your trainer to know more. Contd. This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 19

The best option for Retirees and Businessmen… One & Done Option III – Whole Life Income – Joint Life - Single Pay Age Annualized PPT Regular ROP on Total IRR Premium Income Death Age Benefit 5.31% 99 5.31% 5.30% 45 70,205 10L 44.40 L 5.28% 50 70,535 10L 41.04 L 5.22% 55 10 Lakh SP 70,950 10L 37.67 L 60 71,480 10L 34.30 L 65 71,810 10L 30.82 L The above figures are exclusive of GST, Cess and other taxes for Joint Life Cover (A male and a female life of same age) NML of up to 10 Crores Back to Products This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 20

Capital Guarantee Solution What if a product offers … High Returns Fund Manager Expertise Capital Protection • Capital Protection • Market–linked Returns Security of your Capital Limited Payment Term Benefits from the Equity Market Liquidity Flexibility to Choose funds How it works – In case of Death Occurs in 3rd Policy Year Need: Child • WOP triggers Education • All future base plan and rider premiums will be waived off Pay Premium for 10 • All future base plan premium will be waived years off Age 40 42 • Plan Benefits will continue as a regular plan Year 0 3 49 75 100 10 35 60 This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 21

with Leverage the benefits of the equity market with Capital Guarantee to build a corpus to enjoy your Golden years Key Benefits Security of Benefits from Limited Liquidity Flexibility to your Capital the Equity Payment Term Choose funds Market How does it work? Male Non-Smoker 35 Years old PPT-10 Years Return of Capital| Lumpsum Legacy |No Pay only ₹ 5,00,000* p.a. Guaranteed return of for 10 years Investment ₹ 50,15,276 Get Get ₹25,07,638 ₹ 25,07,638 Age Age Age Age 35 44 54 55 Year Year Year Year 1 10 20 21 ₹ Increasing Life Cover ₹ 97,73,557 @8% 53,67,500 Total benefit Get return with market upside Total premium paid ₹ 71,88,557 @8% @8% ₹1,22,03,833 ₹ 37,96,748 @4% ₹ 50,00,000 @4% ₹ 88,12,024 *premium is exclusive of Goods and Services tax, applicable surcharges and cess Back to Products This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 22

with How does it work? Capital Guarantee Retirement Male Non-Smoker 35 Years old PPT-10 Years Return of Capital| Lumpsum Legacy |No Pay only ₹ 1,50,000* p.a. Guaranteed return of for 10 years Investment ₹ 15,12,560 Get Get ₹ 7,56,280 ₹ 7,56,280 Age Age Age Age Age 35 44 54 55 99 Year 1 Year Year Year Year Total premium paid 10 20 21 65 ₹ 15,00,000 Get return with market upside ₹ 360,51,251 @8% ₹ 34,76,125 @4% *premium is exclusive of Goods and Services tax, applicable surcharges and cess Key Benefits Security of Benefits from Liquidity4 Limited Investment2 Upside of market payment term linked investment3 Increasing Life Cover from Rs. 15,00,000* In year Rs. 360,51,251 12 partial age 35 during the 20 & 21 @8%# or withdrawals per Rs. 21,50,500 @8%# or term amounting to Rs. 34,76,125 year enables Rs. 21,50,500 @4%# to Rs.15,12,560 @4%# at age 99 customer’s Rs. 360,51,251 @8%# or PAY ONLY retirement Rs. 34,76,125 @4%# at GUARANTEED1 MATURITY income age 99 RETURN (Non Guaranteed) LIQUIDITY LIFE COVER All the above benefits by investing Rs. 1,50,000 annually for 10 years Secure Insurance Solution is a combination of Tata AIA Life Insurance Fortune Maxima and Tata AIA Life Insurance Smart Income Plus. This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 23

Riders Comprehensive Protection Rider Comprehensive Health Rider Life Insured Benefit Option Comprehensive Protection Comprehensive Self Life Rider Health Rider ADB ATPD CPB HCB Event Event Covered Accidental Accidental Critical Hospitalization Covered Illness Death Disability Amount & Only Lump sum NA NA Payout Lumpsum + Income NA NA Only Income NA WOP* Tax-free Annuity (Partner care) Premium ROP Refund Please Note PPT Allowed with Regular/Limited /Single Pay (can be <= Rider Term base plan subject to rider term) Can be < = base plan term subject to max maturity age (for WOP = PPT subject to max maturity age) *WOP can be taken on Proposer if policy is non self Back to Products This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 24

GST exemption for initial premium through NRE account or Foreign currency SALES TEAM Sales Solicit NB to NRI Sales inform Consumer transfer Sales need to arrange through Good Connect consumer on amount as per given MT103 Swift Remittance and Sell Online foreign remittance details in foreign copy from consumer and platforms details for initial currency share with BCT (Business BCT on receipt of premium Conversation Team HO) MT103 Swift Copy, inform Finance Team BCT Post Cashiering BCT for payment inform NB team for GST Confirmation As per Foreign Status of all entries accounting entry Finance to liaise with remittance tracker to be changed from Bank and share details if FIRA is \"YES\", P to S For cases where amount in Foreign Remittance cashiering is done transferred in Indian tracker along with FIRA for CSO done case Currency, need to Laise tagging as \"Yes\" or with HsBC for FIRA (TAT \"No\". FINANCE 60-90 days) For cases where amount transferred in Foreign Currency - TAT for FIRA is 1-2 days Sales to Educate customer about the transfer of money only in Foreign Currency and only through registered banks from Life Assured/Proposer account only. • Consumer needs to be informed about exact premium equivalent foreign currency to be transferred to Tata AIA. • Consumer needs to calculate transferable Foreign currency amount as on the date of transfer. • Consumer To Transfer directly in HSBC account • Follow as per Instruction given during Swift transfer and communicate to Corresponding Bank • Share UTR Number immediately to HO team. • Intermediary Bank should only be HSBC. Sales needs to clearly inform the customer banker that premium to be transferred only to HSBC and not to any other bank in India. • In case of NRE Transactions ensure NRE Status should be clearly mentioned in Cheque Copy and Bank Statement Back to Products This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 25

GST exemption for initial premium through NRE account or Foreign currency As per GST Act, if consumer shows the evidence of paying insurance premium via NRE account, his/her residence status is NRI/PIC/OCI and country of residence is other than India, then such customers will be eligible for getting GST waiver GST Exemption Eligibility ✓ Customer has to be NRI, OCI or PIO for Initial Premium✓ Country o.f.residence should be foreign country ✓ Payment should be done using NRE account (Cheque/DD/NEFT) ✓ Applicable to TraditPiornealmandiuTemrm Ptlhanrsough NREaccount Experience the Benefits* With GST Without GST AGE 45 YEARS AGE 45 YEARS Sum Assured 54 Lakhs (Joint) Sum Assured 54 Lakhs (Joint) Policy Term Whole of Life Policy Term Whole of Life PPT 10 Years PPT 10 Years Annual Premium ₹ 3,13,500 Annual Premium ₹ 3,00,000 GST Saved ₹ 13,500 p.a. * Guaranteed Return Insurance Plan HSBC ACCOUNT Details: ✓ Money to be transferred via NEFT from NRE/NRO account to Tata AIA account details mentioned below. ✓ Foreign Address proof (Utility bill / Driving license / Lease agreement (Bank letter as address proof not acceptable) (Address Proof not acceptable on employer letter head as per AML KYC) ✓ Beneficiary Account :- 3002<9 digit numeric policy number> ✓ Beneficiary Name: Tata AIA Life Insurance Company Ltd. ✓ Bank Name: HSBC Branch Name: Fort, Mumbai; IFSC Code: HSBC0400002 Back to Products This is an internal training document created only for the sales and partner employees of Tata AIA. This should be not used for solicitation. 26