Sales Pitches_PlayBook_March

AFFORDABLE PACKAGE SINGLE PARENT Hi, I am a 30 year old working woman and single mother to a 2 year old child. My husband passed away due to sudden cardiac arrest. I am worried about the future of my child if something happens to me. I want to buy a term plan but I have to shoulder all the responsibilities and being the only earning member, I can’t afford to pay high premium. Madam, looking at your current situation, I would like to suggest an affordable protection plan. This plan provides 3 comprehensive protection packages to choose from according to your need and convenience. The protection cover includes benefits of term plan and terminal illness cover, and the inbuilt rider cover for critical illness, hospitalization, accidental death, and disability. Premium at your age for a policy term of 45 years and PPT 10 years for all the packages is: ✓ ₹ 10,902 p.a. for 25 Lacs (₹ 30 per day) ✓ ₹ 20,417 p.a. for 50 Lacs (₹ 56 per day) ✓ ₹ 29,101 p.a. for 70 Lacs (₹ 80 per day) Purchasing a complete protection solution will end your worries about medical expenses and also ensure a financial security to your child. Affordable premiums of InstaProtect plan will not put a financial burden on your shoulders and you can start your protection journey with ease. Back to Index This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 10 1

ANY PACKAGE INFLUENCERS Hi, I am 34 years old and run an educational channel on YouTube. My average monthly income is ₹ 3 lakhs. I never felt much need of a term plan, but seeing the pandemic situation, I strongly feel the need of insurance for my family. I also want coverage for health expenses. Please suggest me a plan that is feature rich. Sir, I must appreciate your decision to get a protection cover for the financial security of your family members. You can invest in our InstaProtect plan which also covers medical costs along with other benefits. Base Plan Sampoorna Raksha Supreme will provide term cover and lump sum benefit to the nominee on untimely death. CritiCare Plus Benefit Rider will cater to financial need on diagnosis of 40 listed critical illnesses by paying a lump sum. HospiCare Benefit Rider will take care of medical costs during hospitalization including that of ICU. Accidental Death Benefit Rider provides additional sum assured on accidental death whereas Accidental Total & Permanent Disability Rider will provide lump sum in case of permanent disability caused due to accident. Choosing Return of Premium option will return 105% of the base plan premium and 100% of all rider premiums on survival of the policy term. You can stay relaxed by availing comprehensive protection solution for all the aforementioned benefits in one plan by paying a combined premium. Back to Index This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 102

PRODUCT SNAPSHOT #Any reference to age is as on last birthday. In case of Joint Life Annuities, age limits apply to both lives. The Purchase Price1 referred above excludes applicable taxes and other statutory levies, of applicable. Back to Index This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 10 3

PRODUCT KEY FEATURES • Lifelong Guaranteed Income • Option to Defer Annuity to receive it at a future date • Annuity Rate Guaranteed at Inception • Guaranteed Additions added to the premium paid during deferment period • Single Life and Joint Life Feature • Flexibility to pay Top-Up Premium to increase annuity amount • Flexibility to choose premium payment - Single Pay, Limited & Regular Pay (5 to 12 Years) • Death benefit in the form of Return of Premium • Higher Annuity Rates for Higher Age • Higher Annuity Rates for Higher Purchase Price Back to Index This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 10 4

PRODUCT FABING FEATURES Benefits (How the Customer benefits) • Immediate Life Annuity • Immediate Life Annuity with • Fulfil all desires of post retirement life and plan for life’s uncertainties with a Return of Purchase Price (ROP) lifelong guaranteed income. • Deferred Life Annuity (GA-I) • Get income in Monthly, Quarterly, Half- with Return of Purchase Price Yearly, and Yearly modes. • Deferred Life Annuity (GA-II) • Plan early retirement without significant with Return of Purchase Price impact on annuity rate under deferred annuity option. Advantage (Product USP) • Hassle free process to buy annuity • Option to decide the time of without undergoing medicals. receiving annuity under Deferred Annuity with • Increase your annuity income by paying Guaranteed Additions option. an additional Single Purchase Price / Premium at any time after 6 months of • Receive lifelong annuity at rates policy commencement. guaranteed at inception • Pay Premium according to your • Top-Up premium option to convenience under Multiple options - increase annuity Single Pay, Limited & Regular Pay (5 to 12 Years) • Single Premium plan • Return of Premium to the • Leave a legacy for the nominee with Return of Premium paid on death. nominee • Entry age form 45 years to 85 years Back to Index This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 10 5

DEFERRED LIFE ANNUITY (GA-I) with ROP SINGLE LIFE PROFESSIONALS Hi, I am a 50 years old educationist running an educational academy. I have plans to run this business for another 10 or 12 years after which I might sell it. I want to purchase a pension plan for myself. But I don’t want to pay single premium. Is there any option to purchase annuity plan by paying premium over the years? Also, I don’t want the annuity to start now. Sir, you can pay premium according to your convenience under limited pay option in our Fortune Guarantee Pension plan. You can go for the Deferred Life Annuity with Return of Purchase Price option where your annuity will start later. E.g. You can choose to pay an annual premium of ₹ 20 lakh for a period of 6 years. Your annuity will start after 5 years from the end of your 6 year payment term and will be paid at a guaranteed rate for lifetime. At your age, the annuity rate will be 9.72% p.a. paying you an annual annuity amount of ₹ 11,67,060. During the deferment period, Guaranteed Additions amounting to ₹ 97,255 will be added to your purchase price every month, thereby increasing its value. On death during the deferment period, Purchase price of ₹ 1.2 Cr plus accrued GAs will be paid to the nominee. By purchasing the plan now, you can take advantage of higher annuity rates and guarantee yourself a sure shot income. Back to Index This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 10 6

DEFERRED LIFE ANNUITY (GA-I) with ROP JOINT LIFE SPIRITED SENIORS Hi, my wife and I are 50 years old, working as teachers in a private school. We both are looking forward to buy a joint pension plan. As we belong to the working class, paying a single premium won’t be possible for us. Please suggest us a plan that suits our pocket. We don’t want any market linked annuity product. We also want to do legacy planning for the next generation. Sir, our Fortune Guarantee Pension plan will provide you the flexibility to choose a premium payment term according to your convenience. As you will be working for some more years, may I suggest you the Deferred Life Annuity with Return of Purchase Price option with Joint life coverage which will pay you guaranteed annuity amount at attractive rates. By paying an annual amount of ₹ 20 Lakh per annum for 6 years will create a corpus of ₹ 1.2 Cr for passing on legacy to your children. There will be a 5 year deferment period after the PPT post which you will be paid annuity at a higher rate of 9.24%. Your yearly annuity will be ₹ 11,09,640 which will be paid to you till survival and to your wife in your absence. Deferring the annuity will also increase value of your purchase price with monthly Guaranteed Additions of ₹ 92,470 added to your purchase price which will be paid to the nominee on death of both annuitants during the deferment period along with the total premium paid. Buying a guaranteed plan like FG Pension will provide Back to Index lifelong income to you and your wife at guaranteed rates which will remain fixed for lifetime. It will also solve your purpose of legacy creation. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 10 7

DEFERRED LIFE ANNUITY (GA-II) with ROP SINGLE LIFE BUSINESSMAN Hi, I am 55 years old running a photography studio. As most of the earnings from my business are during wedding season only, I feel the need of a stable and regular income. I want to pay only one time premium but want returns to start when I turn 60 as at that time my involvement in the business won’t be much.. Sir, keeping your financial needs in mind, I would like to suggest Fortune Guarantee Pension plan with single pay option and deferment period of 5 years. By paying a single premium of ₹ 1 Crore, you will start receiving an annual annuity of ₹ 8,68,600 for lifetime. The deferment period of 5 years will fetch you a high annuity rate of 8.68% During this period, Guaranteed Additions of ₹ 72,383 will be added to your single premium paid. In case of death during the deferment period, all the accrued GAs along with the purchase price will be paid to the nominee. FG Pension guarantees high annuity rates with return of purchase price to the nominee. The rates are guaranteed for life and do not carry any risk of falling interest rates like in FD. Back to Index This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 10 8

DEFERRED LIFE ANNUITY (GA-II) with ROP JOINT LIFE SPIRITED SENIORS Hi, I am 55 years old and my wife is of the same age. We are already contributing in NPS. But we want a pension plan that pays us guaranteed income. We are interested in paying premium every year instead of one time payment and want annuity to start immediately after the PPT. Sir, your need to receive guaranteed annuity will be met by investing in Fortune Guarantee Pension plan. You can choose to pay for 6 years and your annuity will start from 7th year onwards. Paying ₹ 20,00,000 per annum will guarantee you an annual annuity amount of ₹ 8,77,500 @ 7.31% p.a. Same which will be paid to your wife in your absence. On death after the deferment period, ₹ 1.2 Crore total premium paid by you will be returned to the nominee. As this plan is not market linked, the rates guaranteed at inception will remain unchanged and immune to market volatility. Your investment will be safe from the interest rate risk as well. Long term guaranteed annuity at attractive rates will help you lead a tension free life without any financial worries. Back to Index This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 10 9