Sales Pitches_PlayBook_March

PRODUCT FABING FEATURES Benefits (How the Customer benefits) Regular Income Option Whole Life Income Option • Manage your rising future expenses Endowment Option with a regular guaranteed income. Advantage (Product USP) • Avail benefit of Higher IRR by choosing an income term of 10 or 12 years • Receive benefits in the form of under regular income option. lump sum or regular income for 6, 7, 8, 9, 10 or 12 years, or • Secure your life with a guaranteed for whole life lifelong income at rates guaranteed at inception. • Life cover throughout the policy term • Stop worrying about decreasing interest rates and reinvestment risk • Return of Premium with fixed income rates for the entire • Flexibility to choose Premium income term. Payment Term • Complete financial security to the loved ones with increasing life cover every year under endowment option. • Do your legacy planning with Return of Premium feature. 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. 51

REGULAR INCOME – PPT 12 / PT 13 FAMILY MAN Hi, I am a 32 year old married man with no kids as of now. But in the future when my family will expand, I would be needing an additional income source to meet the increasing expenses. I also want to financially protect myself against illness and disability. Sir, may I propose the Guaranteed Return Insurance Plan. Under the Regular Income option of the plan, you can choose a premium payment term of 10 years or 12 years. After a waiting period of 1 year from the PPT, you will get a regular income for the coming years. E.g. You may choose to pay an annual premium of ₹ 3,00,000 for 12 years. From 14th year onwards, you will receive a tax-free income of ₹ 6,39,750 for the next 12 years which is more than double of what you have paid. A sum assured of ₹ 50,27,667 will be paid if death occurs during the policy term of 11 years. In addition to this, Accidental Total & Permanent Disability Rider with Waiver of Premium option will provide a cover of ₹ 46,50,000 against accidental death during the policy term. CritiCare Plus Benefit Rider with Waiver of Premium will provide a lump sum amount of ₹ 10,00,000 in case of diagnosis of CI from the list of 40 diseases. All these rider benefits come with a waiver of premium option and will be available only for a reasonable premium of ₹ 6,199 per annum. 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. 52

REGULAR INCOME – PPT 12 / PT 13 PROFESSIONALS Hi, I am a 35 years old doctor working in a private hospital. I wish to run my own hospital in 10 to 12 years. In the initial phase, operating expenses will be higher. I am looking for a product, the returns from which could help me meet my working capital requirements. Sir, Guaranteed Return Insurance Plan - Regular Income option will provide you a regular stream of income which would cater to your working capital needs. You can start investing today with an annual premium of ₹ 5,00,000 for a PPT of 12 years. From 14th year onwards, you will get a guaranteed tax-free income of ₹ 10,66,250 for the next 12 years which is more than double of premium paid. In addition to this, a risk cover of ₹ 83,79,446 will be guaranteed at inception of the policy and will be paid to the nominee in case death occurs during the policy term of 13 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. 53

REGULAR INCOME – PPT 10 / PT 11 BUSINESSMAN Hi, I am a 53 years old businessman. I am looking for a plan with a guaranteed income, higher IRR than FD, and a life cover. I want to pay premiums for not more than 10 years. Sir, all your needs will be met by investing in one single plan which is Guaranteed Return Insurance Plan – Regular Income. If your annual premium is ₹ 3,00,000 for a PPT of 10 years, then from 12th year onwards, you will continue receiving a tax-free Guaranteed Annual Income of ₹ 5,85,750 for the next 10 years, which offers an IRR of 5.73%. Not a single rupee will be deducted as tax unlike in FDs. The risk cover will be there for the complete policy term of 11 years which includes 10-year PPT and a cooling period of 1 year. If something happens to you during the policy term, ₹ 40,29,960 will be paid to the nominee. The death benefit is 13.43 times of annual 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. 54

REGULAR INCOME – PPT 10 / PT 11 INDEPENDENT WOMAN Hi, I am a 32 years old independent woman. I am ready to pay a premium of ₹ 3,00,000 every year in some tax saving plan. The returns expected should be in the form of yearly income. I want handsome guaranteed returns on my investment. Are there any health benefits available in the same plan? Madam, you can save tax on investment upto a limit of ₹ 1.5 Lakh under Section 80 C under our Guaranteed Return Insurance Plan – Regular Income option. You will also feel glad to know that the regular income received by you will also be tax free under Section 10 (10D). After paying premium of ₹ 3,00,000 p.a. for 10 years, a Guaranteed and tax-free Annual Income of ₹ 5,85,750 will be credited to your account from 12th year onwards for the next 10 years. You also have the option to attach HospiCare Benefit rider in your policy for covering hospitalization expenses. A Sum Assured of ₹ 20,00,000 will cost you only ₹ 1,820 p.a. Hospitalization expenses incurred during the policy term of 11 years will be reimbursed in the form of fixed payouts. 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. 55

ENDOWMENT – PPT 6 / PT 12 FIRST JOBBERS / SINGLE / MILLENIAL Hi, I am a 30 years old man working in a private company. I wish to start own business in my early 40s. I want to create a fund for that. Sir, Endowment Option of our Guaranteed Return Insurance Plan will give you a guaranteed tax-free lump sum amount at the end of policy term. You may choose a 6 year PPT to pay an annual premium of ₹ 3,00,000. At the end of 12 year policy term, you will receive a guaranteed maturity benefit of ₹ 28,09,440 which you can use to start your business. You can also attach our CritiCare Plus Benefit rider with Waiver of Premium option in your plan which will ensure financial protection against 40 diseases. For a rider sum assured of ₹ 40,00,000, you need to pay only a reasonable premium of ₹ 10,455 p.a. In case of diagnosis of Critical Illness mentioned in the list, a lump sum benefit of ₹ 40 lakh will be paid and all future premiums will be waived off. The policy will continue as it is. 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. 56

ENDOWMENT – PPT 10 / PT 20 INFLUENCERS Hi, I am a 27 years old Fashion Blogger. I have collaboration with top brands of fast fashion. I enjoy good viewership which boosts my income. As income is flowing, I want to invest for a long term in order to create a huge corpus. Madam, you can buy our Guaranteed Return Insurance Plan – Endowment option for a policy term of 20 years which will help in the fulfillment of your long-term financial goal. You have to pay premium only for a limited PPT of 10 years for a 20 year policy term. Say, your annual premium is ₹ 3,00,000. A total premium of ₹ 30,00,000 paid in 10 years will create a good corpus of ₹ 73,47,000 which will be paid to you without any tax deduction. The amount will be guaranteed at the time of inception of the policy. You will also enjoy tax benefits under Section 80C and 10 (10D). Investing in this plan will provide you a Guaranteed Maturity Benefit at the age of 47. 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. 57

WHOLE LIFE INCOME SPIRITED SENIORS Hi, I am 50 years old salaried man. My wife is 48 and is a housewife. Both of my children are pursuing their college education. I wish to financially secure my post retirement years for myself and my wife. I would also like to leave some legacy for my children. Sir, we have just the right plan for you which will provide a lifetime regular income to you and to your wife in your absence. Under the Guaranteed Return Insurance Plan – Whole Life Income option, you can choose to pay a premium amount of ₹ 5,00,000 p.a. for 10 years. From the end of 11th year, you will start getting an annual income of ₹ 3,75,520 which will be guaranteed for lifetime and is tax-free. You can also choose to receive the income under monthly mode. Your wife will be receiving the same amount of income in your absence. When she is no more, total premium of ₹. 50,00,000 paid by you will be returned to the nominee. This will solve your purpose of legacy creation. There will be a life cover on both of you for the complete policy term of 10 years. You may also choose to receive the future income and the return of premium as a lump sum under the commutation option anytime during the income period. 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. 58

WHOLE LIFE INCOME SINGLE PARENT Hi, I am a 48 years old single mother. My son is in his final year of MBA, post completion of which he will start earning. After another few years down the line, he will get married, and his responsibilities will also increase with time. I don’t want to be dependent on my son post retirement. Therefore, my need for investment is a clear- cut life-long income. Madam, you can create a source of income for your whole life with our Guaranteed Return Insurance Plan – Whole Life Income option which will pay you a guaranteed tax-free income for lifetime. The income period is very long i.e. till 116 years of age. On your death, the nominee will receive a lump sum amount in the form of total premiums paid by you. Hence, in addition to financially securing your golden years, you can leave a legacy for the next generation. If you choose to pay an annual premium of ₹ 4,00,000 for the next 10 years, then from 11th year onwards, you will receive a lifelong Guaranteed Annual Income of ₹ 3,32,725 which can also be received every month. There will also be a life cover of ₹ 44,00,000 for the entire policy term of 10 years. If you wish, to receive the future income along with return of premium as a lump sum anytime during the income period to meet any sudden financial requirements, you can exercise the Commutation of Income option. The Whole Life Income option is one of its kind plan for Back to Index lifelong financial security. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 59

PRODUCT SNAPSHOT Life Insurance Cover Life Insurance Cover Life Insurance Cover Accidental Death Accidental Death Additional cover of Term and Benefit Benefit Terminal Illness Accidental Total & Accidental Total & Accidental Death Permanent Disability Benefit Permanent Disability Benefit Benefit CritiCare Plus Benefit Market Linked Returns Accidental Total & (CPB) Permanent Disability Benefit HospiCare Benefit (HCB) Market Linked Market Linked Returns Returns 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. 60

PRODUCT KEY FEATURES • New ULIP Product supporting high Sum Assured Multiples – Life cover of 40-150 times of Annual Premium • Additional cover of Death and Terminal Illness under Param Rakshak II • Inbuilt Accidental Death & Disability cover at marginal additional cost • Inbuilt Critical Illness Benefit in Param Rakshak Plus covering 40 diseases including cancer and cardiac conditions • Inbuilt Hospital Cash Benefit covering Daily Hospitalization / ICU Benefit • Return on Investment on Maturity with option to invest in 11 funds - 100% Funds rated 4/5 Star by global rating agency Morningstar • Guaranteed Benefits and Market Linked Returns in a single plan • Return of double of Allocation & Mortality Charges from 11th year onwards 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. 61

PRODUCT FABING FEATURES Benefits Param Rakshak (How the Customer benefits) Param Rakshak II Param Rakshak Plus • Lump sum maturity amount can be used for Advantage (Product USP) post retirement years such as purchasing • Choice of PPT, Policy Term, and Annuity Plan, going on a vacation, gifting to Payment frequency children, etc. • Life Cover throughout the policy • Meet necessary expenses like education and term of 30 or 40 years marriage of children, loan repayment, etc. • Inbuilt Riders for enhanced protection against accidental with Partial Withdrawals from fund amount. death & disability, disease, • Leave a fortune for the next generation hospitalization, and terminal Illness through Legacy Planning and creating Wealth • Partial withdrawal facility by investing for higher Policy tenure. • Top-ups • No need to take separate policies for • 11 benchmark beating funds to protection, health and investment. Pay one choose from • FMC lower than competition premium for all needs hassle free. • Return of 2X Premium Allocation • Get protection cover till higher age in an and Mortality charges investment plan. Additional protection for • Cover continuance boosters to accidental death and disability, critical illness, ensure policy continuance and hospitalization. • Inflation-proof your returns by investing in 11 funds with CAGR that has outgrown inflation. • Meet your medical costs by getting your hospitalization expenses reimbursed as fixed payouts with HospiCare Benefit Rider. • Lump sum benefit of CritiCare Plus Benefit rider will relieve financial burden in case of diagnosis from a list of 40 critical diseases. • Terminal Illness covered under Term with Accelerated Terminal Illness (T&TI) Rider Back to Index 62 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

PARAM RAKSHAK PLUS BUSINESSMAN Hi, I am a 40 year old businessman interested in good returns form my investment so that I can leave a legacy for my grand children. There are many ULIPs in the market. How is Your Param Rakshak Plus different? Sir, our Param Rakshak Plus in not only a ULIP, but also a comprehensive Protection Plan. It is an All-in-One plan providing protection against, death, disability, disease and hospitalization expenses. At your age, for a PPT of 5 years and Policy Term of 40 years, you will get a total protection cover of ₹ 1.80 crore and the coverage will be: ✓ Death – ₹ 50 Lakhs (Coverage till 80 years of age) ✓ Accidental Death – ₹ 50 Lakhs (Coverage till 80 years of age) ✓ Accidental Disability – ₹ 50 Lakhs (Coverage till 80 years of age) ✓ Critical Illness – ₹ 20 Lakhs (Coverage till 75 years of age) ✓ Hospitalization – ₹ 10 Lakhs (Coverage till 75 years of age) All these benefits only for a premium of ₹ 1,94,166 p.a. You will also get the double of your Premium Allocation Charges and Mortality Charges in the form of units added to your policy which will increase your fund value. You have an option to invest in 11 funds, all of which are rated 4 and 5 star by the Morning Star rating agency. Our funds are managed by experienced fund managers and have given an attractive return over the years. At the end of policy term, you can gift the appreciated fund value as a legacy to the next generation. 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. 63

PARAM RAKSHAK PLUS FAMILY MAN Hi, I am a 36 year old family man working as Regional Head with a private bank. I need an investment plan that should provide me a corpus for my post retirement needs and also secure my family from unforeseen events when I am not there or I am not in a position to earn due to disease or disability. Sir, our Param Rakshak Plus plan is designed to meet the investment as well as all protection needs of the customer. Here is how the plan will work for you. For an annual premium of ₹ 1,61,777 chosen for a PPT of 10 years and a policy term of 30 years, you will be covered against: ✓ Death – ₹ 1 Crore (Coverage till 66 years of age) ✓ Accidental Death – ₹ 1 Crore (Coverage till 66 years of age) ✓ Accidental Disability – ₹ 1 Crore (Coverage till 66 years of age) ✓ Critical Illness – ₹ 20 Lakhs (Coverage till 66 years of age) ✓ Hospitalization – ₹ 10 Lakhs (Coverage till 66 years of age) For this comprehensive protection, no medicals will be required. At 66 years of age, you will get a lump sum maturity amount which will be equal to the fund value at that time. Sensex was at an average 1440 points in 1991 and today it is close to 55,000 points. You can imagine the growth of stock market 30 years from now. This plan will ensure that you and your family are fully secured Back to Index financially against all kinds of uncertainties and a wealth is created. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 64

PARAM RAKSHAK PLUS INDEPENDENT WOMAN Hi, I am a 30 years old independent woman. I am very much interested in investing in the markets. But neither I have the expertise nor the time to track stock movements. I don’t have much knowledge about mutual funds. I have heard about ULIPs that give dual benefits of market-linked returns on investment and also a protection cover. I also need a health cover. Madam, we have a ULIP which offers comprehensive protection. It is called Param Rakshak Plus. The striking features of this plan are: ✓ 11 fund options to invest in the funds of your choice. All of our funds are rated 4 Star / 5 Star by Morning Star agency and are managed by experienced fund managers. ✓ Fund value will be paid at the end of policy term which you can choose to be either 30 years or 40 years. Long term investment in ULIP will lead to a good amount of corpus creation that can be used for golden years. ✓ Life Insurance cover paid to the nominee in case of death of the Life Assured. In case of accidental death, additional sum assured equal to the base policy sum assured will be paid. Double accident benefit will be paid if death occurs in public transport. ✓ Financial protection against 40 critical illnesses. Lump sum will be paid on diagnosis. ✓ Lump sum benefit to be paid in case of total and permanent disability caused due to accident. ✓ Hospitalization Expenses will be reimbursed as a fixed payout. This plan is a complete solution to your market-linked Back to Index investment and comprehensive protection needs. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 65

PARAM RAKSHAK PLUS INFLUENCERS Hi, I am a 34 years old Lifestyle influencer on Social Media. I have recently published my book which has received rave reviews. Prior to my popularity on social media, I was working as a manager with a reputed hotel. I need an insurance cum investment plan to secure my loved ones for long term and create a corpus to gift my next generation. Madam, as you are a lifestyle influencer, you can understand the effect of stressful jobs, eating habits, frequent travelling, etc. on our health. In such scenarios, one needs a complete protection cover. Considering your needs of an investment plan with comprehensive protection, Param Rakshak Plus is the perfect investment solution. At an annual premium of ₹ 2,27,290 p.a. for a PPT of 10 year, you can get a comprehensive protection for a policy term of 40 years i.e. till 74 years of age without undergoing any medicals. The benefits will include: ✓ Life cover – ₹ 2 Crores paid on death ✓ Accidental Death Cover – ₹ 2 Crores paid on accidental death within 180 days of the date of accident ✓ Accidental Disability Cover – ₹ 2 Crores paid on permanent disability caused due to accident within 180 days of occurrence. ✓ Critical Illness Cover – ₹ 20 Lakhs paid as a lump sum on diagnosis from an approved list of 40 diseases ✓ Hospitalization Cover – ₹ 10 Lakhs On survival till the end of policy term, you will receive an Back to Index appreciated fund value which you can pass on as a legacy to the next generation. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 66

PARAM RAKSHAK PLUS SPIRITED SENIORS Hi, I am 55 years old. I am interested in ULIPs as they have an insurance cover as well. My prime need is to leave a legacy for the next generation. Sir, our Param Rakshak Plus is one of its kind ULIP in the industry. Along with market-linked returns, it gives protection benefits of term plan as well as health plan. If you opt for a base policy Sum Assured of ₹ 1 Crore for a policy term of 30 years and PPT of 10 years, you will get a lump sum maturity benefit which will be equal to your fund value of that time. Your protection benefits will include: ✓ Life Cover of ₹ 1 Crore (Coverage till 85 years of age) ✓ Accidental Death cover of ₹ 1 Crore (Coverage till 85 years of age) ✓ Accidental Total and Permanent Disability cover of ₹ 1 Crore (Coverage till 85 years of age) ✓ Critical Illness cover of ₹ 20,00,000 which you can choose to increase at inception (Coverage till 75 years of age) ✓ Hospitalization cover of ₹ 10,00,000 which you can choose to increase on inception (Coverage till 75 years of age) Your financial dream of creating legacy will surely come true as higher of the base policy sum assured or fund value will be paid to the nominee on death. 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. 67

PARAM RAKSHAK PLUS SINGLE PARENT Hi, I am a 37 years old single father. I already have an education policy for my child and a term plan of ₹ 30 Lakh. Now, I feel the need to increase the protection cover. But I don’t want another term plan. Please suggest only one plan that meets my protection needs and also give me returns on maturity which I can give to my child. Sir, our Param Rakshak Plus ULIP will create a corpus for your child as well as ensure complete protection for you. The plan comes with a life cover and four inbuilt rider benefits that will protect against: ✓ Untimely death ✓ Loss of Income due to illness caused by 40 critical diseases ✓ Hospitalization expenses ✓ Death and permanent disability caused due to accident For a base policy Sum Assured of ₹ 1 Crore with Accidental Death and Disability cover of ₹ 1 Crore each, Critical Illness cover of ₹ 20 Lakh, and Hospitalization cover of ₹ 10 Lakh, there will be no need to undergo any medicals. You will stay covered till 67 years of age i.e. for a Policy Term of 30 years by paying a premium of ₹ 1,73,873 p.a. for 10 years. Your investment needs will be fulfilled by investing in 11 of Tata AIA’s Best-in-class funds that are rated 4 / 5 Star by Morning Star agency. Your fund value at then end of 30- year policy term will be paid as a lump sum maturity benefit which you can gift to your child. 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. 68

PARAM RAKSHAK FIRST JOBBERS / SINGLE / MILLENIAL Hi, I am 25 years old and working as a Sales manager in an insurance company. I travel daily to meet clients. I am single and staying with my parents. I want to invest in a plan which can provide higher returns. I also want to financially secure my parents in my absence. Sir, we have an investment cum protection plan that will give you the advantage of market linked returns and also financially secure your parents by providing a risk cover and inbuilt protection benefit against accidental death and disability. For a total Sum Assured of ₹ 3,00,00,000 for a policy term of 40 years at your young age of 25, you need to pay an annual premium of ₹ 62,872 for 10 years which will provide your loved ones: ✓ Base policy Sum Assured to be paid on death – 1 Cr ✓ Accidental Death Benefit – 1 Cr ✓ Accidental Total & Permanent Disability – 1 Cr After 40 years, you will get a lump sum amount equivalent to the fund value at that time. You can invest in the funds of your choice from a list of 11 fund options that include 8 equity funds, 2 debt funds, and 1 hybrid fund. 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. 69

PARAM RAKSHAK PROFESSIONALS Hi, I am a 40 years old independent Business Consultant. My job involves frequent travelling. Please suggest me a plan which offers higher returns than the traditional savings schemes and comes with a good protection cover. Sir, our Param Rakshak Solution comes with a life cover and also additional protection covering accidental death and disability. As this is a ULIP, you will enjoy attractive returns of the stock market from a range of 11 funds which are rated 4 and 5 star by Morningstar agency. Here is an illustration based on your needs. For a total protection cover of ₹ 3 Cr that includes: ✓ Base policy Sum Assured to be paid on death – ₹ 1 Cr ✓ Accidental Death Benefit – ₹ 1 Cr ✓ Accidental Total & Permanent Disability – ₹ 1 Cr You will have to pay a total annual premium of ₹ 1,30,879 p.a. only for a period of 12 years. You will be covered till 80 years of age against all the mentioned uncertainties. At the end of 40 year policy term, you will get your fund value of that time as a lump sum. 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. 70

PARAM RAKSHAK II FAMILY MAN Hi, I am a 32 year old family man working as a Marketing Manager in FMCG. I need an investment plan that should provide me market linked returns. But I don’t want a ULIP as I am looking for a higher Sum Assured to financially protect my family against death. I have heard that there is also a terminal illness coverage in some plans. Sir, considering your need, our Param Rakshak II plan is an appropriate solution for you. Here is how the plan works. For an annual premium of ₹ 94,326 chosen for a PPT of 10 years and a policy term of 30 years, you will be covered against: ✓ Death – ₹ 1 Crore (Coverage till 62 years of age) ✓ Accidental Death – ₹ 90 Lakh(Coverage till 62 years of age) ✓ Accidental Disability – ₹ 90 Lakh (Coverage till 62 years of age) ✓ Terminal Illness – ₹ 10 Lakhs (Coverage till 62 years of age) For this comprehensive protection, no medicals will be required. At 62 years of age, you will get a lump sum maturity amount which will be equal to the fund value at that time. As this is a market linked plan, staying invested for a long period of 30 years will give you handsome returns for your post retirement needs along with comprehensive protection cover for your loved ones in case of any eventuality covered in this plan. 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. 71

PRODUCT SNAPSHOT Min. Entry Age 30 days Min Min: PPT- 5 to 8: 50,000/- p.a. premium PPT- 9 to 15: 24,000/- p.a. (Age as on last birthday) (Subject to age at maturity of Max: No Limit, subject to underwriting. 18 years) Max. Entry Age 55 years for 5 PPT Min / Max Min: Corresponding to min premium 58 years for 6 PPT Sum assured Max: No Limit, subject to underwriting (Age as on last birthday) 62 years for 7 PPT 65 years for 8 to 15 PPT Min./ Max.Maturity Min: 18 years 80 Plan Option 1 – Endowment Age Max: years Options Option 2 – Endowment with Extended Life Cover (Age as on last birthday) (ELC) till age 100 Policy Term (PT) PT: 10 to 40 years Underwriting Standard and non- standard lives allowed PPT: 5 to 15 years Conditions Non- Standard Age Proof Allowed / Premium Loading for Sub Standard Life and NSAP are Payment Term (Minimum Policy term:PPT+5 years) allowed (PPT) 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. 72

PRODUCT KEY FEATURES • Flexible PPT – 5 to 15 Y and PT – 10 to 40 Y • Flexibility to receive Cash Bonus as Regular Income every year or Accumulation of Cash Bonus as Lump sum at the end of Policy Term with interest • Decide when to receive bonus - on Birthday Or on Policy Anniversary • Option of Extended Life Cover till age 100 Years • Guaranteed Benefit – Basic Sum Assured paid on Maturity • Growth of Benefits with Equity Exposure Up to 30% on all options • Tax benefits under Section 80C and 10(10D), as per applicable tax laws 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. 73

PRODUCT FABING FEATURES Benefits (How the Customer benefits) Regular Income (Cash Bonus) Lump Sum (Accumulated Cash • Meet your immediate financial needs Bonus) by receiving regular income from second year onwards. Advantage (Product USP) • Create wealth for the marriage of • Long term Regular Income (CB) children, retirement needs, purchasing starting from 2nd Policy pension plan, gifting to the next Anniversary generation, etc. by opting accumulation of cash bonus. • Lump sum on maturity with bonuses • Ensure financial protection to your loved ones with life cover till 100 years • Life cover for financial of age even after receiving maturity Protection of your loved ones benefit. • Choice of Extended Life Cover • Get Higher IRR in a traditional plan with post Maturity till Age 100 lucrative bonuses declared by the company. • Equity exposure up to 30% to boost your savings • Support your future plans with one of the best IRR 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. 74

CASH BONUS OPTION BUSINESSMAN Hi, I am a 40 years old businessman. I want immediate returns from my investment which should be paid yearly. I also want a lump sum amount on the maturity of my policy. Sir, your needs for immediate returns will be catered by investing in our Value Income Plan which will start paying you a yearly return in the form of cash bonus that will be credited in your account from second year onwards. At the end of policy term, you will get a guaranteed basic sum assured on maturity along with the last cash bonus payout. In addition to this, Terminal Bonus, if any will also be paid as a part of the maturity benefit. All the benefits will be absolutely tax-free. You have the flexibility to choose a PPT from 5 to 15 years and a policy term from 10 to 40 years according to your convenience. You can also choose to receive the cash bonus on your birthday date. If you wish to stay protected till 100 years of age, you may opt for the Extended Life Cover (ELC) feature wherein you will get a life cover equal to the basic sum assured even after receiving the maturity benefit. An amount equivalent to the basic sum assured will be paid to the nominee on death. 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. 75

CASH BONUS OPTION FAMILY MAN Hi, I am a 34 years old family man. My wife was earlier working but now she is a housewife after the birth of our second child. Please suggest me a plan that will start providing income early without any lock-in period. Sir, Value Income Plan is just the right plan given your early income needs. Under this plan, you will start getting cash bonus in your account from second year onwards till the end of policy term. A guaranteed basic sum assured will also be paid on maturity along with the last cash bonus and terminal bonus. E.g. You choose to pay an annual premium of ₹ 3,00,000 for a PPT of 10 years for a Policy term of 40 years. From second year onwards, an annual cash bonus at an assumptive rate of 8% (which is the profits of our par fund) amounting to ₹ 1,03,333 will be credited tax-free in your account till the end of policy term. On maturity, you will get ₹ 80,36,666 of which ₹ 33,33,333 is the guaranteed benefit of basic sum assured and the rest will be the last cash bonus and terminal bonus at an assumptive rate of 8%. This plan is not market linked. Hence, there will be no effect of market volatility here. A life cover will also be there till the policy term. Investing in this plan will provide liquidity in the form of early income and will also lead to corpus creation. 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. 76

CASH BONUS OPTION SINGLE PARENT Hi, I am a 35 years old single mother. I am looking for an additional source of income for long term to meet my rising expenses. But I can’t wait for a long period for the returns to commence. I would also like a lump sum amount to be paid on maturity of the policy which I can use after my retirement. Madam, you can create a long-term source of income by investing in our Value Income Plan. You can choose a Premium Payment Term from 5 to 15 years according to your convenience. From 2nd year onwards, you will start getting a yearly income till the end of chosen policy term which in your case can be 25 years as you need funds for your post retirement life. If you pay premium of ₹ 3,00,000 for 10 years, a yearly cash bonus of ₹ 87,000 will be paid to you from second year onwards till the end of policy term. On maturity of your policy, you will receive a maturity benefit of ₹ 48,57,000 which will include a guaranteed basic sum assured of ₹ 30,00,000 and the bonuses (last year cash bonus plus terminal bonus). All the benefits will be tax-free As this is a participating plan, the bonus returns are calculated at an assumptive rate of 8% which is the rate of profit on our par fund. Tata AIA has a history of paying bonuses higher than the illustrative rates, therefore VIP is an ideal plan for getting an early income and that too for a long term with a lump sum maturity benefit. 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. 77

CASH BONUS OPTION INFLUENCERS Hi, I am a 27 years old YouTuber and I upload videos on different topics. My audience engagement is 15% and increasing. I make sufficient money but I also need another source of income which shall continue till a very long term. I don’t want to invest in plans that give returns on their investment after a long waiting period. I want quick returns on my investment. Sir, Value Income Plan is one such insurance plan which will start paying you cash bonus from second year onwards. You don’t have to wait for a long period for returns on your investment. Your need for a long-term income can be met by choosing a policy term of 40 years. The plan provides you several benefits such as: ✓ Flexibility to pay premiums for a period of 5 to 15 years according to your convenience. ✓ Flexibility to chose a policy term from 10 to 40 years according to your financial goals. ✓ Option to receive yearly cash bonus till the end of policy term or going for the accumulation option to receive all the accumulated cash bonuses as a lump sum according to your financial needs. You may also choose to receive cash bonus on your birthday. ✓ Lump sum maturity benefit at the end of policy resulting in corpus creation for future financial needs. ✓ Option to extend life cover till 100 years of age even after receiving the maturity benefit. ✓ Equity exposure up to 30% can boost your savings while keeping your plan protected from direct market volatility. 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. 78

ACCUMULATED CASH BONUS OPTION FIRST JOBBERS / SINGLE / MILLENIAL Hi, I am a 30 years old salaried woman. I am looking for an insurance plan that shall provide me a lump sum maturity amount by which I can purchase annuity for my post retirement financial needs. I also want to be financially protected against health ailments. Madam, you can invest in our Value Income Plan with CritiCare Plus Benefit and HospiCare Benefit riders. Say, you pay a base policy premium of ₹ 3,00,000 for a chosen PPT of 10 years. In addition, you can financially protect yourself from 40 critical illnesses by attaching CPB rider with waiver of premium option and your hospitalization expenses can be covered under the HCB rider. Rider protection cover will be till the entire policy term of 30 years. All these health benefits will cost you only ₹ 9,188 annually for a CPB and HCB cover of ₹ 10,00,000 respectively. At an assumptive rate of 8% (which is profit on our par fund), you will get a lump sum tax-free maturity benefit of ₹ 1,41,42,346 which includes the accumulated cash bonuses for 30 years, Basic Sum Assured at maturity, and Terminal Bonus. As this is not a market-linked plan, you can go on to fulfill your financial goals without nay hesitation. 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. 79

ACCUMULATED CASH BONUS OPTION INDEPENDENT WOMAN Hi, I am a 35 years old independent woman. I want to create a corpus which I can use in my post retirement years. I also want to keep myself financially secured against illness. I am ready to pay premium for a long term. Madam, our Value Income Plan has an option of accumulated cash bonuses which means that for the entire policy term, cash bonuses will get accumulated in your policy account at a non-participating accumulation rate which shall be 10 year Government Security rate less 2% as declared on 31st March of every year. This will create a lump sum maturity benefit. Not only this, you will also get a guaranteed sum assured on maturity and terminal bonus. An investment of ₹ 3,00,000 p.a. made for a period of 15 years for 25-year policy term will create a corpus of ₹ 1,28,99,945 at an assumptive rate of 8% (rate of return in our par fund), which you can use to purchase annuity plan. Our CritiCare Plus Benefit rider will offer financial Back to Index protection against 40 critical illnesses and HospiCare Benefit rider will take care of your hospitalization expenses during the policy term. On a rider premium of ₹ 19,636 p.a. payable for 15 years, you will get: ✓ Lump sum amount of ₹ 5,00,000 on diagnosis of critical illness and an income of ₹ 5,00,000 p.a. paid for a period of 5 years. All future premiums will be waived off. ✓ Hospitalization Sum Assured of ₹ 10,00,000. Hospitalization expenses will be reimbursed as a fixed payout. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 80

ACCUMULATED CASH BONUS OPTION PROFESSIONALS Hi, I am a 40 years old Chartered Accountant. I have investments in tax saving as well as equity linked financial instruments. I am looking for a traditional insurance plan that would give me an IRR of 6% or more. I want to buy this plan for my 10 year old child with myself as a proposer. Sir, I would like to suggest the Value Income Plan with Waiver of Premium rider. It is a traditional, non-market- linked, participating plan. The returns in this plan are paid in the form of yearly cash bonus which start from second year onwards. Alternatively, you can also choose to receive the accumulated cash bonuses at the end of policy term. This plan gives you the flexibility to choose the PPT and PT according to your convenience and financial goals. An illustration generated for the accumulated cash bonus option on the age of your child for a Policy term of 30 years and an annual premium of ₹ 4,00,000 for 10 years PPT will provide a lump sum tax-free maturity benefit of ₹ 1,82,90,764 at an assumptive rate of 8% (which is the rate of return in our par fund). The IRR stands at 6.08%. The premiums will be waived off in case of accidental Back to Index disability and critical illness caused to the proposer. The rider premium will cost you only ₹ 24,755 p.a. for an accidental permanent disability coverage of ₹ 40,00,000 and critical illness sum assured of ₹ 10,00,000. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 81

ACCUMULATED CASH BONUS OPTION SPIRITED SENIORS Hi, I am 60 years old. I am interested in buying an insurance plan for my 3 years old grand daughter as a proposer for the purpose of creating legacy. I want to know if I am not able to pay premium due to some illness, will the future premiums be waived off or not? Sir, our Value Income Plan with Waiver of Premium Rider is a solution to all your needs. Investment need: You can create a corpus of ₹ 83,75,000 for your grand daughter by paying an annual premium of ₹ 3,00,000 for 10 years in a policy term of 30 years. The entire amount will be tax-free and is projected at an assumptive rate of 8% which is the profit on our par fund. Waiver of Premium need: Attaching our CritiCare Plus Benefit Rider with Waiver of Premium option to the base policy will waive off all the future premiums in case a critical illness diagnosed to the proposer. It will cost you ₹ 39,351. This amount is quite reasonable given the benefits. You can go ahead with creating a legacy for your loved ones without any 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. 82

PRODUCT SNAPSHOT Annuity Plan Option The plan offers three Annuity Options as follows: Annuity available for a. Immediate Life Annuity Eligibility Criteria b. Immediate Life Annuity with Return of purchase price c. Deferred Life Annuity with Return of purchase price An annuity option once selected cannot be changed. Single Life / Joint Life Minimum Maximum Entry Age# 45 years 85 years ₹ 5,00,000/- Immediate Life Annuity Annuity purchase Annuity with ₹ 5,00,000/- No limit, subject to the Board price1 Return of purchase ₹ 5,00,000/- Approved Underwriting Policy price (BAUP) Deferred Life Annuity with Return of purchase price Premium payment period Single Premium Monthly/Quarterly/Half-yearly/yearly Frequency for annuity payments 1 to 10 years Annuity Deferred period #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. 83

PRODUCT KEY FEATURES • Lifelong Guaranteed Income • Option of Immediate or Deferred Annuity • Annuity Rate Guaranteed at Inception • Single Life and Joint Life Feature • Flexibility to pay Top-Up Premium to increase annuity amount • Pay single premium • Return of Purchase Price (ROP) under Immediate Annuity with ROP and Deferred Annuity with ROP options • 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. 84

PRODUCT FABING FEATURES Benefits (How the Customer benefits) Immediate Life Annuity Immediate Life Annuity with ROP • Lead a tension free and relaxed life Deferred Life Annuity with ROP with guaranteed lifelong income. Advantage (Product USP) • Sit back and enjoy financial independence post retirement with • Option to receive annuity fixed and regular annuity income. immediately or after the deferment period • Secure a guaranteed lifelong income for your loved one in your absence • Take plan as a single life or joint under joint life option. life • Plan your annuity according to need by • Receive lifelong annuity at rates choosing to defer annuity for a period guaranteed at inception of 1 to 10 years • Top-Up premium option to • Leave a legacy for the next generation increase annuity as your purchase price will be returned to the nominee on death. • Single Premium plan • Return of Premium to the • Stay immune to interest rate downfall and reinvestment risk as the annuity nominee rates are fixed at inception and • Entry age form 45 years to 85 guaranteed for lifetime. 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. 85

IMMEDIATE LIFE ANNUITY WITH ROP SPIRITED SENIORS Hi, I am 59 and will be retiring next year. I am planning to purchase an annuity plan that would pay me a guaranteed annuity from next year onwards and financially secure my wife in my absence. I also wish to leave a legacy for my only daughter who would be the nominee in our policy. Sir, our Smart Annuity Plan has an option to receive annuity immediately starting from the next policy year in case of yearly payout. You may also choose to receive annuity in monthly, quarterly, and half-yearly modes. The annuity will be paid to you for whole of life and in your absence, the same amount will be received by your wife. On death of both the annuitants, nominee will receive 100% of the premium paid back. Considering your present age and your wife’s age of 57, on a purchase price of ₹ 1 crore, you will pay a guaranteed life time annuity of ₹ 5,79,700 per annum which will continue to be paid to your wife in your absence. On death, your daughter will receive ₹ 1 crore premium paid by you. 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. 86

DEFERRED LIFE ANNUITY WITH ROP PROFESSIONALS Hi, I am a 48 years old doctor working in a reputed Private Hospital and will be retiring at the age of 58. I want my annuity to start post my retirement. But I am concerned about the fact that if I buy an annuity plan after 10 years, the annuity rates will go down. Sir, your concern about purchasing annuity at low rates is valid given the scenario of downfall in interest rates which we are witnessing every year. Deferred Life Annuity with Return of Premium option of our Smart Annuity Plan can be a smart choice for you to plan your retirement by locking the future annuity rates at present rates. You can choose to defer your annuity for upto 10 years. The future annuity rates will be guaranteed at inception. Considering the single premium purchase price of ₹ 1 crore and deferring the annuity for a period of 10 years will pay you a yearly annuity amount of ₹ 10,53,413 at a rate of 10.53% p.a. Monthly Guaranteed Additions will be added to your purchase price during the deferment period, thereby increasing its value. On death during the deferment period, nominee will get 100% of purchase price plus accrued Guaranteed Additions as death benefit. 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. 87

PRODUCT SNAPSHOT Eligibility Criteria: Minimum Maximum Life Annuity with 40 years 80 Years Return of 100% of Purchase price (ROP) Entry Age (Age Joint Life Last Survivor 40 years 80 years last Birthday) Annuity with Return of 100% of Purchase The minimum entry The maximum entry Price (ROP) on death age restriction needs age restriction needs of the last survivor to be complied by the to be complied by youngest of the two the oldest of the two lives. lives. Life Annuity with Return of 100% of Purchase price (ROP) Joint Life Last Survivor ₹ 2,00,000/- Annuity Annuity with Return of No Limit subject to Board Approved Underwriting Policy Purchase Price 100% of Purchase Price (ROP) on death of the last survivor Frequency for annuity payments Monthly/Quarterly/ Half-yearly/Yearly Single Premium Premium payment period Single Life: Till death of annuitant Policy Term Joint Life: Till later of the deaths of the two annuitants Lives Covered Single Life / Joint Life 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. 88

PRODUCT KEY FEATURES • Lifelong Guaranteed Income • Life time guaranteed annuity rates locked at inception • 2 Annuity Options (A) Life Annuity with Return of 100% of Purchase price (ROP) (B) Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP) on death of the last survivor • Single Life & Joint Life • No Reinvestment Risk or Fear of Falling Interest Rate • Best in class Annuity Rates • Higher Annuity Rates for Higher Age • Higher Annuity Rates for Higher Purchase Price • Minimum Entry Age – 40 Years (Youngest Life) • Pay single 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. 89

PRODUCT FABING FEATURES Benefits (How the Customer benefits) • Life Annuity with Return of 100% of Purchase price (ROP) • Prepare for a second income without any hassle with guaranteed benefits • Joint Life Last Survivor Annuity with even amidst the volatilities and Return of 100% of Purchase Price uncertainties. (ROP) on death of the last survivor • Remain financially independent in your Advantage (Product USP) golden years and lead life with dignity by managing your expenses. • Immediate Annuity under Single life and Joint Life with • Inculcate values of self respect in your Return of 100% of Purchase grandchildren by leaving them a legacy. Price (ROP) • Build a financial stability for your • Annuity to Primary Annuitant spouse in your absence with join life till Death then to Secondary annuity paid till survival. Annuitant (Spouse) under joint life • Receive high amount of annuity by availing benefits of higher annuity rates • Return of Purchase Price to offered in the market. Nominee • Higher Annuity Rates than competition • Entry age from 40 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. 90

IMMEDIATE ANNUITY WITH ROP – SINGLE LIFE INDEPENDENT WOMAN Hi, I am 57 years old and going to retire soon. I want financial independence in my post retirement years as well. I am looking for a lifelong annuity plan. Madam, investing in the Saral Pension Plan – Immediate Annuity option with 100% Return of Purchase Price will make things simple and quick for you. If you invest today with a single premium of ₹ 1 Crore, you will start receiving a guaranteed yearly annuity of ₹ 6,44,000 from next year till whole of life even if you survive beyond 100 years of age. There will be no gap between premium payment and annuity commencement. Hence, you will start receiving income benefits without any delay. On your death, the nominee will get 100% of the purchase price i.e. ₹ 1 Crore. 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. 91

IMMEDIATE ANNUITY WITH ROP – JOINT LIFE BUSINESSMAN Hi, I am a 42 years old businessman. My business suffered losses during Covid 19. Therefore, I want to create a certain and guaranteed lifelong source of income for me and my spouse in my absence. Her age is 40 years. Sir, Saral Pension Plan is a single premium solution that offers option to receive a lifetime guaranteed annuity starting from first policy anniversary. By investing ₹ 2 Crore in Immediate Life Annuity with Return of Purchase Price option under Joint Life, you will create a second source of uninterrupted income amounting to ₹ 12,64,000 p.a. for yourself which will continued to be paid to your wife in your absence. On the death of both, annuitants, nominee will receive 100% of the premium paid i.e. ₹ 2 Crore which will serve the purpose of passing on legacy to children. This plan guarantees a smooth and hassle-free income for whole life. 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. 92

PRODUCT SNAPSHOT One Stop Solution – All risks covered under a single package Package Breakup Package Cover 25 Lakh 50 Lakh 70 Lakh HospiCare Benefit 5L 10L 10L CritiCare Plus Benefit 3L 5L 10L ATPD 5L 10L 15L ADB 5L 10L 15L Base cover / Terminal illness* 7L 15L 20L *Payout accelerator benefit provides Inbuilt Terminal illness at 50% of base plan sum assured Eligibility Criteria Parameter Minimum Maximum Package Sum Assured 25 Lac, 50 Lac, 70 Lac Package Option With ROP, without ROP Entry Age 18 years 45 years Max Maturity age 23 years 75 years Policy Term non ROP 5 years 50 years (PT) ROP 10 years 40 years Single Pay 1 year PPT Limited Pay 5 PT minus 1 Regular Pay Equal to Policy Term 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. 93

PRODUCT KEY FEATURES • An affordable Protection Plan covering Death, Disease, and Disability • Term Plan benefits of Sampoorna Raksha Supreme • Enhanced Protection of 4 Comprehensive Riders • 3 Options to choose Total Protection cover according to need from Express Package Covers of 25Lakh, 50 Lakh, 70 Lakh • Multiple options to Pay Premium – Single Pay, Limited & Regular Pay • 50% of the base Sum Assured paid on diagnosis of Terminal Illness under the Payor Accelerator Benefit feature • Tax Benefits (80C & 80 D) 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. 94

PRODUCT FABING FEATURES Benefits (How the Customer benefits) Package Cover • 25 Lakh • Multiple protection benefits in a single • 50 Lakh policy will save you from the hassle of • 70 Lakh buying multiple protection policies. Advantage (Product USP) • You can seek pure protection cover with assured returns with ROP option • Comprehensive Protection under which you can get back more against Death, Disability, and than you pay. Disease with Term Plan and Rider coverage • Buy an insurance cover with ease and convenience without going for • Easy on Pocket packages medicals. • No Medicals will be done as • Pay an affordable premium for a large Accept / Reject process on the and comprehensive protection cover basis of Health Disclosures only of term and health. • Flexibility in Premium Payment - Single Pay, Limited & Regular • Protect yourself from medical Pay emergencies with the benefits of health riders attached in a term plan. 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. 95

50 LAKH PACKAGE FIRST JOBBERS / SINGLE / MILLENIAL Hi, I am 27 Years old looking for an affordable term plan and also a health plan. Do I need to buy separate policies? Sir, by purchasing only one protection plan, you can get term as well as health benefits only for ₹ 21,618 p.a. at your young age. The premium stated to you is of our InstaProtect plan for a PPT of 10 years and a total protection cover of ₹ 50 Lacs. You will be covered till 75 years of age against death, disease, and accidental disability. You will be saved from the hassles of buying separate policies for different protection needs. As this is a package insurance policy, you will get all the benefits combined together at an affordable 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. 96

70 LAKH PACKAGE BUSINESSMAN Hi, I am a 45 year old businessman. I have good turnover from my business. I have taken a term plan long time back from LIC. But I have heard that Tata AIA has more protection benefits in a term plan and they also return the premiums. Please suggest me a protection plan better than the conventional term plans. Sir, you have heard it right. We have an innovative non- conventional protection plan called InstaProtect which provides additional protection against disease, hospitalization expenses, accidental death and disability along with term plan benefit. It also comes with a Return of Premium option. E.g. – If you take a 70 Lacs Protection Package for a policy term of 30 years and PPT 10 years, your combined premium for all the benefits will be ₹ 90,496 p.a. out of which base term plan – Sampoorna Raksha Supreme premium is ₹ 45,986 and the rider premium of all the 4 riders together is ₹ 44,510. In case you survive the policy term and all the rider benefits remain unutilized, you will get 105% of the base plan premium and 100% of rider premium paid back which will amount to ₹ 9,27,953 which is be more than what you would have paid. Hence, you are not going to loose anything. Purchasing InstaProtect will provide multiple benefits in one policy ensuring guaranteed financial safety to you and your loved ones. 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. 97

ANY PACKAGE INDEPENDENT WOMAN Hi, I am an independent and single woman. I get really confused on the thought of buying a term plan as I don’t have any dependents. However, I am concerned about my financial safety in case of any disease or disability when I might not be in a position to earn. Madam, your concern about your own financial safety in case of any uncertainty is valid and for that I would like to suggest a complete protection solution called InstaProtect that will address your concerns. In addition to the term plan benefits, this plan comes with 4 inbuilt comprehensive protection riders offering financial protection against accidental death & and disability, 40 critical illnesses, and hospitalization expenses by paying a lump sum in case the rider event happens. Single persons like you will be safeguarded against financial loss caused due to illness and accidental disability. And the good thing is that you don’t have to pay high premium for all the benefits. You have the flexibility to choose any package cover according to your protection needs from the 3 available options – 25 Lacs, 50 Lacs, and 70 Lacs. Free your mind from all the worries by getting yourself financially covered from all the uncertainties. 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. 98

70 LAKH PACKAGE PROFESSIONALS Hi, I am a 36 years old Fashion Designer. A friend of mine recently purchased a protection plan and asked me to buy too. Since I have a packed schedule, I can’t invest much time in all the formalities like going for medicals. I would like to know if I can buy protection cover quickly and with simple process. Madam, we have just the right plan for you called InstaProtect under which you will not be required to undergo any medicals. There is a simple accept / reject process based on the eligibility of the customer. You just have to choose your package and the policy will be issued in no time. E.g. A 70 Lakh total Sum Assured will provide you a coverage till 75 years of age and will cost you only ₹ 37,605 for a 10 year PPT. In this plan, you will be covered not only against risk of death but also against 40 critical illnesses, hospitalization due to any cause, accidental death and disability with the inbuilt rider features. In all the cases, lump sum benefit will be paid if the rider event happens. This is a simple and convenient plan catering to all the protection needs. 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. 99

70 LAKH PACKAGE FAMILY MAN - SALARIED Hi, I am a 40 year old Regional Sales Manager. I have to travel a lot and most of the time I go by my own car. Therefore, I have already taken a term insurance of ₹ 50 Lakh. But now I want to increase the life cover and go for a plan that also covers me separately against accidental mishappening. Also, please suggest a health rider as mine is a high-pressure job. Sir, good to know that you understand the importance of having a term plan and want to increase cover according to your current situation and need. Our InstaProtect plan will easily solve your purpose. May I suggest you a complete protection package of ₹ 70 Lakh for a coverage till 75 years of age. Your need to increase your life cover will be met with a base plan term cover of ₹ 20 lakh. Accidental death and disability cover will be of ₹ 15 Lakh respectively. You will also be relieved from the financial burden of medical costs with critical illness and hospitalization cover of ₹ 10 Lakh respectively. A lump sum benefit will be paid in case of any eventuality. All this comprehensive protection will cost you ₹ 54,513 p.a. for 10 years PPT. You will be completely protected financially against all the mentioned situations under the umbrella of one plan. 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 0