Riders Playbook _February 2022

Life is a Roller Coaster Ride Enjoy Guaranteed Safety Buy Insurance Riders This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 1

Purpose of this Document To take learners on a journey about the unmatchable benefits and features of Tata AIA Riders. Acquainting learners with the situations where adding riders to the policy are of vital importance. To educate the learners on Rider Underwriting Guidelines. THE ADVENTURE BEGINS This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 2

INDEX Rider Information Pages Accidental Death Benefit Rider 4 – 10 About & Sales Pitches Click Here 11 – 17 Accidental Total & Permanent Disability Rider About & Sales Pitches Click Here 18 – 23 CritiCare Plus Benefit Rider 24 – 28 About & Sales Pitches Click Here 29 – 32 HospiCare Benefit Rider About & Sales Pitches Click Here 34 – 35 37 – 50 Term & Terminal Illness Rider About & Sales Pitches Click Here Rider Underwriting Guidelines Click Here Rider One Pagers Click Here EXPLORE This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 3

RIDER SNAPSHOT Accidental Death Benefit (ADB) Entry Age Basic Eligibility Max Maturity 18 Y to 65 Y Age Policy Term 85 years (Subject to Base plan validation) Premium Mode Premium As per Base Plan subject to Maximum Maturity Age Payment Term As per Base Plan Sum Assured As per Base Plan Housewives 1 L to 2 Cr Students Profile Eligibility Term Plan – Riders not allowed Backdating Savings Plan: Allowed up to 25L. Husband insurance of respective rider Business mandatory in TALIC/other company equal to the sum assured opted by Insurance Housewife. Rider Loading Term Plan – Not Applicable Savings Plan: Allowed up to 25L. Parent’s insurance of respective rider NRI/PIO/OCI mandatory in TALIC/other company equal to the sum assured opted by Student. Not allowed Allowed under HUF, and Employer-Employee scheme A/B (as per existing Term Plan guidelines) Not allowed to Partnership/ Keyman All types of loading allowed i.e. Occupation & Residential. * Allowed only where loading is applicable for Base Plan. Allowed NRI/ PIO/OCI from Standard countries. For countries other than standard countries, policies to be referred to SCOR Re for opinion. Contd. 4 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FEATURES Accidental Death Benefit (ADB) Payout to nominee in case of accidental death. 3 options to receive Rider Benefit Payout: • Lumpsum • Income for a period of 1 to 10 Years • Lumpsum + Income Double benefit amount payable in specific circumstances Eg. If death occurs in public transport; the nominee gets Base Plan Sum Assured Plus 2X Rider Sum Assured Min Sum Assured – ₹ 1 lac Max Sum Assured – ₹ 2 Crore (subject to base plan SA) Cover till age 85 Tax Benefit under Sec 80C and 10 (10D) Return of Premium option – Total Rider premium paid will be returned n case the rider coverage is not utilized till Maturity Partner Care - On occurrence of the insured event, a regular income is paid to the dependent partner/s covered under the payout option till last surviving partner dies or reaches age 100 (last birthday), whichever happens first Contd. 5 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FABING Accidental Death Benefit (ADB) FEATURES Benefits (How the Customer benefits) Rider Payout options: • Lumpsum • Nominee will be benefitted from the • Income for a period of 1 to additional sum assured in case of accidental death of the Life Assured. 10 Years The benefit will be doubled if the death • Lumpsum + Income occurs due to accident in public transport, places etc. Advantages (Product USPs) • Source of income can be arranged for • Guaranteed Benefits paid in the nominee by opting to receive rider case of accidental death, payout in income mode. provided the death occurs within 180 days from the date • Frequent travelers can financially of accident. safeguard their families from untimely death due to accident. • Double benefit amount payout in case of death due to • Return of Premium option will ensure accident in public transport. rider coverage along with the surety of premiums paid back in case of non- • Flexibility to choose the Return occurrence of the rider event. of Premium (ROP) benefit option at inception. • Dependent parents can be secured with a lifetime guaranteed income till 100 • Tax Benefits. years of age under partner care. Contd. 6 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Sampoorna Raksha Supreme with ADB Rider Lump sum Life Option: Male – 35 Y, Standard Life | PT – 65 Y, PPT – 15 Y | Base Sum Assured – ₹ 1 Cr | Base Premium – ₹ 59,900 p.a. (excl. GST) ADB Rider: Lumpsum payout | PT- 50 Y, PPT- 15 Y | Rider Sum Assured – ₹ 1 Cr | Rider Premium w/o ROP – ₹ 8,200 p.a. (excl. GST)| Rider Premium with ROP – ₹ 13,800 p.a. (excl. GST) SP – Sir, Thank you for choosing Life Option of our term plan Sampoorna Raksha Supreme which will ensure financial protection to your family till 100 years of your age. C – I was planning to buy a term plan for quite sometime. Finally got one. Feeling relaxed now. SP – Great decision Sir. Since you mentioned that you travel frequently for work, may I propose a rider ensuring extra protection in accidental death? C – Rider? Ok. Please tell how it will benefit me. SP – Sir, our Accidental Death benefit (ADB) Rider will provide additional Sum Assured to the nominee in case of accidental death within 180 days of occurrence of accident. Let us assume you take a rider cover of ₹ 1 Cr. On occurrence of accidental death, nominee will get ₹ 1 Cr base policy SA and ₹ 1 Cr rider SA. C – That means double benefit. SP – Yes Sir. In case the accident occurs in public transport, then ₹ 2 Cr rider SA will be paid in addition to ₹ 1 Cr base policy SA. C – Sounds good. But, I have to pay extra premium. Right? SP – Sir, ADB rider benefits will cost you only ₹ 8,200 p.a. which you have to pay only for 15 years for a protection cover till age 85 Y. C – What if nothing of such sort happens to me? SP – Sir, you can choose the Return of Premium option which will ensure return of 100% of rider premium if the rider event does not occur. It will cost you ₹ 13,800 p.a. For 15 Y PPT. C – ROP sounds like a good proposition Contd. 7 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Sampoorna Raksha Supreme with ADB Rider Income Life Option: Male – 35 Y, Standard Life | PT – 65 Y, PPT – 15 Y | Base Sum Assured – ₹ 1 Cr | Base Premium – ₹ 59,900 p.a. (excl. GST) ADB Rider: Income payout for 10 Y| Income amount – ₹ 10 Lakh p.a. | PT- 50 Y, PPT- 15 Y | Rider Sum Assured – ₹ 81,10,896 | Rider Premium w/o ROP – ₹ 6,651 p.a. (excl. GST)| Rider Premium with ROP – ₹ 11,193 p.a. (excl. GST) C – I understood the ADB rider benefit. See, lump sum death benefit of the base plan will help my family repay the home loan that I have taken. But I also want a source of income so that my wife can meet the educational expenses of our kids. SP –Sir, under ADB rider, you can also choose to receive the rider payout for your family in the form of regular income for a period of 1 to 10 years. C – Ok. Wil that income be tax free? SP – Yes Sir. Under Section 10 (10D) of the Income Tax Act, 1961. C – Please tell me the premium for a 10 year Income Term and income amount 10 Lakh p.a. SP – Sir, it will be ₹ 6,651 only for a PPT of 15 Y and rider coverage will till 85 years of age. C – Seems affordable. What if I don’t meet with an accident during the policy term? My premium paid for additional coverage will go waste. SP – Not at all Sir. We have the Return of Premium option. All your rider premiums paid will be returned on non-occurrence of accidental death during the rider policy term. C – But that would be costly. Isn’t it? SP – Sir, it will cost you ₹ 11,193 p.a. for 15 Y PPT. But it will address your concern of additional premium payment for rider benefits. You will not lose the premium paid. C – Ok. Tell me the total premium of the plan including rider ROP. SP – It’s ₹ 71,093 for 15 Y PPT. You may also choose a longer PPT for your convenience. That will reduce the yearly premium amount. Contd. 8 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Sampoorna Raksha Supreme with ADB Rider Lump sum + Income Life Option: Male – 35 Y, Standard Life | PT – 65 Y, PPT – 15 Y | Base Sum Assured – ₹ 1 Cr | Base Premium – ₹ 59,900 p.a. (excl. GST) ADB Rider: Combo of Lump sum and Income | Lump sum Amount - ₹ 50 Lakh | Income Amount ₹ 5 Lakh p.a. for 10 years | PT- 50 Y, PPT- 15 Y | Rider Sum Assured – ₹ 90,55,448 | Rider Premium w/o ROP – ₹ 7,425 p.a. (excl. GST)| Rider Premium with ROP – ₹ 12,497 p.a. (excl. GST) SP – Sir, Thank you for showing interest to attach ADB Rider with your term plan. C – You have mentioned that I can receive Lump sum and income both on happening of the rider event. Please explain in detail. SP – Sir, may I ask the amount you need as a lump sum payment and income. Also, for how long do you want the income to be paid to your nominee? C – ₹ 50 Lakh lump sum. What is the max. income period allowed? SP – It’s 10 years. C – Ok. Then I would like the income of ₹ 5 Lakh p.a. to be paid for 10 years. SP – Sir, on happening of the rider event, the nominee will get ₹ 50 Lakh lump sum immediately. An income of ₹ 5 Lakh p.a. will be paid for the next 10 years helping your family meet the day to day expenses. C – What will be the premium? SP –Sir, shall I mention the premium including Return of Premium option also as explained earlier? C – Yes, please. Let me see the difference. SP – Premium w/o ROP will be ₹ 7,425 and with ROP will be ₹ 12,497 for a 15 Y PPT and 50 Y rider PT. C – The difference in premium is high. SP – It is indeed. But you will not regret paying the higher premium as it will be returned to you on survival till 85 years of age if rider event does not happen. Base plan cover will continue till age 100 years. Contd. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 9

Sampoorna Raksha Supreme with ADB Rider Partner Care Life Option: Male – 35 Y, Standard Life | PT – 65 Y, PPT – 15 Y | Base Sum Assured – ₹ 1 Cr | Base Premium – ₹ 59,900 p.a. (excl. GST) ADB Rider: Partner Care |Partner 1 age – 60 , Partner 2 age – 58 | PT- 42 Y, PPT- 15 Y | Rider Sum Assured – ₹ 99,57,700| Income to partners – ₹ 5 Lakh p.a. | Rider Premium w/o ROP – ₹ 5,190 p.a. (excl. GST) | Rider Premium with ROP – ₹ 9,100 p.a. (excl. GST) C – The nominee in my plan is my wife who shall be receiving the death benefit. Is there any option where I can cover my parents also without making them nominee? SP – Yes Sir. We have Partner Care option in 3 of our riders under which the rider benefits will be paid to the dependent partner(s) in the form of regular income till the last surviving partner dies or reaches age 100 (last birthday), whichever happens first. C – How many partners can I choose? My children are also dependent on me. Can I add them too? SP – Sir, A maximum of two partners between ages 45 years and 90 years (both last birthday) can be chosen. C – Ok. So, I can add both my parents who shall receive the income till lifetime. Right? SP – Yes Sir. As you already mentioned during our conversation that yours is a travelling job, so I would recommend Accidental Death Benefit rider with Partner Care. In case of death due to accident within 180 days of its occurrence, a regular income will start immediately and will be paid to the dependent partners. C – Ok. Tell me how much would it cost? I want an annual income of ₹ 5 Lakh to be paid to my parents in case something happens to me. SP – Sir, ADB rider with Partner Care option will cost you only ₹ 5,190 p.a. for a 15 year PPT. With an affordable premium you can make a lifelong guaranteed income arrangement for your parents. You may also opt for the Return of Premium option at ₹ 9,100 p.a. The advantage of this feature is that in case the rider event doesn’t happen during the PT, all your paid premiums will be returned. In one plan, you will be covering your entire family. Your wife being the nominee in term plan is entitled to receive the Sum Assured whereas your parents will be able to earn their living with the rider income. C – Premium is reasonable. I think I should go for Partner Care with ROP option. Back to IndexThis is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 10

RIDER SNAPSHOT Accidental Total and Permanent Disability Benefit (ATPD) Entry Age Basic Eligibility Max. Maturity 18 Y to 65 Y Age Policy Term 85 years (Subject to Base plan validation) Premium Mode Premium As per Base Plan subject to Maximum Maturity Age Payment Term As per Base Plan Sum Assured As per Base Plan Housewives 1 L to 2 Cr Students Profile Eligibility Term Plan – Riders not allowed Backdating Savings Plan: Allowed up to 25L. Husband insurance of respective rider Business mandatory in TALIC/other company equal to the sum assured opted by Insurance Housewife. Rider Loading Term Plan – Not Applicable Savings Plan: Allowed up to 25L. Parent’s insurance of respective rider NRI/PIO/OCI mandatory in TALIC/other company equal to the sum assured opted by Student. Not allowed Allowed under HUF, and Employer-Employee scheme A/B (as per existing Term Plan guidelines) Not allowed to Partnership/ Keyman All types of loading allowed i.e. Occupation & Residential. * Allowed only where loading is applicable for Base Plan. Allowed NRI/ PIO/OCI from Standard countries. For countries other than standard countries, policies to be referred to SCOR Re for opinion. Contd. 11 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FEATURES Accidental Total and Permanent Disability Benefit (ATPD) Payout in case of Permanent disability due to accident. 3 options to receive Rider Benefit Payout: • Lumpsum • Income for a period of 1 to 10 Years • Lumpsum + Income Double benefit amount payable due to accident in specific circumstances. For ex: Permanent disability occurs due to accident in a public transport; the insured gets 2X the Rider Sum Assured. Min Sum Assured – ₹ 1 lac Max Sum Assured – ₹ 2 Crore (subject to base plan SA) Cover till age 85 Tax Benefit under Sec 80C and 10 (10D) Return of Premium option – Total Rider premium paid will be returned in case the rider coverage is not utilized till Maturity. Partner Care – On occurrence of the insured event, a regular income is paid to the dependent partner/s covered under the payout option till last surviving partner dies or reaches age 100 (last birthday), whichever happens first. Contd. 12 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FABING Accidental Total and Permanent Disability Benefit (ATPD) FEATURES Benefits (How the Customer benefits) Rider Payout options: • Lumpsum • Financial security ensured in event of • Income for a period of 1 to 10 accidental disability with guaranteed rider benefits paid to the Life Assured. Years • Lumpsum + Income • Need for regular income during disability will be met by choosing Advantages (Product USPs) income option for upto 10 years. • Guaranteed Benefits paid in • No burden to pay the insurance case of accidental total and premium during disability with Waiver permanent disability, provided of Premium option. the disability occurs within 180 days from that accident. • Nominee will also be financially secured as there will be income continuity for • Double benefit amount payout the remaining income period post death in case of disability due to of Life Assured. accident in public transport. • Option to choose two partners between • Flexibility to choose Waiver of ages 45 and 90 years who would receive Premium and Return of a regular income on occurrence of the Premium (ROP) benefit option insured event till 100 years of age. at inception. • Tax Benefits. Contd. 13 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Fortune Guarantee Plus with ATPD Rider Lump sum Regular Income: Male – 35 Y | PT – 12 Y, PPT – 12 Y, IT – 30 Y | Base Sum Assured – ₹ 24 Lakh | Base Premium – ₹ 2,00,000 p.a. (excl. GST) GAI – ₹ 2,40,760 p.a. ATPD Rider: Lumpsum payout | PT- 12 Y, PPT- 12 Y | Rider Sum Assured – ₹ 24 Lakh | Rider Premium w/o ROP and with WoP – ₹ 912 (excl. GST)| Rider Premium with ROP and WoP – ₹ 4,872 (excl. GST) SP – Sir, Thank you for choosing Fortune Guarantee Plan which will provide you an alternate source of income for a period of 30 years. C – Yes. It’s a great plan. SP – Sir, as you know this is a savings plan with a life cover of ₹ 24 Lakh for 12 years. May I also suggest a rider which will pay you an equal amount as a lump sum in case of permanent disability caused due to accident. C – Ok. But, do I really need it as permanent disability is not a common occurrence? SP – Sir, you may be right but this rider will cost you only ₹ 912 p.a. for a PPT of 12 Y and will provide you additional coverage of ₹ 24 Lakh. It includes the cost of Waiver of Premium feature also which will waive off all the future premiums on happening of the rider event. Hence, you will not have to bear the financial stress during disability. C – Rider is really inexpensive. Please go ahead. SP – Sir, our Accidental Total & Permanent Disability Rider will pay you a lump sum in case the rider event occurs within 180 days of date of accident during the 12 year policy term. Additional rider SA will help you meet your expenses when there will still be time for the guaranteed income of base plan to start. C – Ok. In base plan, there’s an ROP option. Is that applicable to rider premium as well? SP – Sir, there is indeed an ROP option in ATPD rider. But it will cost you extra. C – How much extra? SP – Sir, rider with ROP premium will be ₹ 4,872 p.a. for a 15 Y PPT. But you need not to worry about the extra premium as this will be returned to you at the end of policy term. C – Ok. Let me think whether to go for non-ROP or ROP. Contd. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 14

Fortune Guarantee Plus with ATPD Rider Income Regular Income: Male – 35 Y | PT – 12 Y, PPT – 12 Y, IT – 30 Y | Base Sum Assured – ₹ 24 Lakh | Base Premium – ₹ 2,00,000 p.a. (excl. GST) | GAI – ₹ 2,40,760 p.a. ATPD Rider: Income Payout for 8 Y | Income amount – ₹ 3 Lakh p.a. | PT- 12 Y, PPT- 12 Y | Rider Sum Assured – ₹ 20,19,823| Rider Premium w/o ROP and with WoP – ₹ 809 (excl. GST)| Rider Premium with ROP and WoP – ₹ 4,142 (excl. GST) C – Ok. So you mean that the ATPD Rider will provide me a guaranteed and tax-free income to meet expenses in case of accidental permanent disability. SP – Yes Sir C – But I will be getting a regular income under FG Plus and that too for a period of 30 years. Then why do I need the rider? SP – Sir, GAI in FG Plus will start after the end of your 12 Y policy term. God forbids, if something unfortunate happens before the start of income, it will cause you financial strain. C – Hmm. Please calculate the premium for an 8 year income term with annual income of ₹ 3 Lakh. SP – It will be only ₹ 809 p.a. for a PPT and PT of 12 Y which includes the waiver of future premium of base plan and rider on accidental disability. In case you want to go for the Return of Premium option, then you will have to pay – ₹ 4,142 p.a. for 12 years. C – Return of Premium? What’s that? SP – Sir, if accidental total and permanent disability does not occur during your 12 year policy term, then the total rider premium paid by you will be returned at the end 12th year. C – Ok. Can I increase the income amount or the income period? SP – Ofcourse Sir. Income period can be max. 10 years and the total income amount should not be more than your base plan Sum Assured of ₹ 24 Lakh. Contd. 15 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Fortune Guarantee Plus with ATPD Rider Lump sum + Income Regular Income: Male – 35 Y | PT – 12 Y, PPT – 12 Y, IT – 30 Y | Base Sum Assured – ₹ 24 Lakh | Base Premium – ₹ 2,00,000 p.a. (excl. GST) | GAI – ₹ 2,40,760 p.a. ATPD Rider: Combo of Lump sum and Income | Lump sum Amount - ₹ 5 Lakh | Income Amount ₹ 4 Lakh p.a. for 5 years | PT- 12 Y, PPT- 12 Y | Rider Sum Assured – ₹ 22,80,729| Rider Premium w/o ROP and with WoP – ₹ 880 (excl. GST)| Rider Premium with ROP and WoP – ₹ 4,643 (excl. GST) C – You have clearly explained the need for a Guaranteed Savings plan with life cover. But let me tell you my concern. SP – Sure Sir, please. C – I already told you than mine is a frequent travelling job. Your FGP will cover only death during the policy term. But what if I meet with an accident and become disabled. Will I get some benefit in that situation? SP – Sir, financial protection under disability can be availed under our Accidental Total & Permanent Disability Rider for an additional premium provided the disability occurs within 180 days of date of accident during the 12 year policy term of your plan. C – Please explain the benefits with premium calculation. SP – Sir, let’s take an example. On happening of the rider event, you will get a lump sum amount of ₹ 5 Lakh immediately. An income of ₹ 4 Lakh p.a. will start and will be paid for a period of 5 years. This additional financial security during disability will cost you only ₹ 880 p.a. for a 12 year PPT. C – Is that the only option. I mean can the lump sum and income amount be increased or decreased? SP – Absolutely Sir. This is just an illustration. You can choose total lump sum amount and income amount upto base plan SA of ₹ 24 Lakh, and income period upto 10 years according to your need. C – Will that have an impact on the rider premium? SP – Yes Sir. For an increase in premium, I would like to suggest the Return of Premium option choosing which will return your total rider premiums paid at the end of policy term. Contd. 16 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Fortune Guarantee Plus with ATPD Rider Partner Care Regular Income: Male – 35 Y | PT – 12 Y, PPT – 12 Y, IT – 30 Y | Base Sum Assured – ₹ 48 Lakh | Base Premium – ₹ 4,00,000 p.a. (excl. GST) | GAI – ₹ 4,87,640 p.a. ATPD Rider: Partner Care |Partner 1 age – 65 , Partner 2 age – 60 | PT – 12 Y, PPT – 12Y | Rider Sum Assured – ₹ 47,85,725 | Income to partners – ₹ 2,50,000 p.a. | Rider Premium w/o R0P and with WoP – ₹ 1,486 p.a. (excl. GST) | | Rider Premium with ROP and WoP – ₹ 8,973 p.a. (excl. GST) SP – Sir, our Fortune Guarantee Plus plan chosen by you will surely make your financial dreams come true. If you allow me, I’d like to discuss a rider under which your parents can get a regular income for life time if the rider event happens. C – Yeah Yeah, please tell what’s that. SP – Sir, looking at your professional profile that involves travelling to distant places, I would like to suggest a protection rider against accidental disability which is called Accidental Total & Permanent Disability Rider. C – Go ahead. SP – Under ATPD rider with Waiver of Premium option, the rider benefit is paid to the Life Assured and all future premiums get waived off, if within 180 days of date of accident the Life Assured becomes permanently disabled. There is an option of Partner Care under which the rider benefit will be paid to the dependent partners as a regular income till survival of the last partner or till 100 years of age whichever is early. You can add your dependent parents as the beneficiaries. May I know the age of your parents please to arrive at the rider premium amount. Also, how much yearly income would you like to arrange for them? C – Father is 60 and mother is 58. How much maximum income I can opt? SP – Let me check. It’s ₹ 2,50,000 p.a. as the rider Sum Assured cannot be more than your base plan Sum Assured which is ₹ 48 Lakh. C – Ok. Make it ₹ 2,50,000 p.a. SP –Sir. You will be surprised to know that the yearly cost of financially securing your dependent parents for lifetime in case of happening of accidental permanent disability during the policy term is only ₹ 1,486, which you have to pay only for 12 years. In case you are willing to pay higher premium, then you may select the Return of Premium option under which all rider premiums paid will be returned if nothing happens during the policy term, the cost of which will be ₹ 8,973 p.a. C – That’s quite affordable. Let’s include that too in the plan. Back to IndexThis is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 17

RIDER SNAPSHOT CritiCare Plus Benefit (CPB) Sum Assured Basic Eligibility Entry Age 2 L to 1 Cr Max. Maturity 18 Y to 65 Y Age Policy Term 75 years (Subject to Base plan validation) Premium Mode As per Base Plan subject to Maximum Maturity Age Premium Payment Term As per Base Plan Housewives As per Base Plan Students Profile Eligibility Term Plan – Allowed upto 25L with Husband insurance of respective Backdating rider mandatory in TALIC equal to the sum assured opted by Housewife. Business Saving Plan – Allowed upto 25L. Husband insurance of respective rider Insurance mandatory in TALIC equal to the sum assured opted by Housewife. Rider Loading Term Plan – Not Applicable Savings Plan – Allowed upto 25L. Parent’s insurance of respective rider NRI/PIO/OCI mandatory in TALIC equal to the sum assured opted by Student. Not allowed Allowed under HUF, and Employer-Employee scheme A/B (as per existing Term Plan guidelines) Not allowed to Partnership/ Keyman Medical loading is allowed *Allowed only where loading is applicable for Base Plan. CritiCare Plus / Inbuilt CI FG+ Option 2 – Allowed subject to underwriting conditions Contd. 18 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FEATURES CritiCare Plus Benefit (CPB) The rider covers 40 major Critical Illness conditions including Cardiac and Cancer Payout on diagnosis of any of covered conditions as listed and described in the brochure. Payout options: • Lumpsum • Income • Lumpsum + Income Cover till age 75 Min Sum Assured – ₹ 2 lac Max Sum Assured – ₹ 1 Crore (subject to base plan SA) Waiting period of 90 days 30 days survival post diagnosis Tax Benefit under Sec 80D and 10 (10D) Return of Premium option – Total Rider premium paid will be returned in case the rider coverage is not utilized till Maturity Waiver of Premium option – All future premiums shall be waived off on occurrence of critical illness from the approved list of 40 diseases. Partner Care - On occurrence of the insured event, a regular income is paid to the dependent partner/s covered under the payout option till last surviving partner dies or reaches age 100 (last birthday), whichever happens first Contd. 19 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FABING CritiCare Plus Benefit (CPB) FEATURES Benefits (How the Customer benefits) Rider Payout options: • Lumpsum • Be financially prepared for medical • Income for a period of 1 to 10 emergencies with guaranteed benefits paid on diagnosis. Years • Lumpsum + Income • No financial strain will be experienced with Waiver of Premium option waiving Advantages (Product USPs) off all future premiums. • Coverage across 40 major • Protect your investments from getting critical illnesses including diluted by bearing medical expenses Cardiac, Cancer, and other with the rider payout. Critical Illness conditions. • Return of Premium option ends all • 3 options to receive the rider worries about extra premium payment benefits according to need. for rider ensuring all paid premiums returned if benefits are not availed. • Flexibility to choose Waiver of Premium (WoP) and Return of • Ensure lifelong guaranteed and tax-free Premium (ROP) benefit option income for two dependent partners. at inception. • No medical bills required. • Tax Benefits. Contd. 20 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Sampoorna Raksha Supreme with CPB Rider Lump sum Life Option: Male – 35 Y, Standard Life | PT – 65 Y, PPT – 20 Y | Base Sum Assured – ₹ 1 Cr | Base Premium – ₹ 47,700 p.a. (excl. GST) CPB Rider: Lumpsum payout | PT- 40 Y, PPT- 20 Y | Rider Sum Assured – ₹ 40 Lakh| Rider Premium w/o ROP and with WoP – ₹ 32,176 p.a. (excl. GST)| Rider Premium with ROP and WoP – ₹ 40,576 p.a. (excl. GST) C – Good plan. But this provides Sum Assured only during death. Right? SP – Yes Sir. C – No coverage against any illness. SP – Sir, for that may I propose our CritiCare Plus Benefit Rider which will provide you a lump sum benefit on diagnosis of any of the 40 critical illnesses covered under this rider. C – Sure, please go ahead and also tell the extra premium amount which I would have to pay. SP – May I know what amount would you like to receive if the CPB rider event happens? Max. amount can be equal to the base plan SA which is 1 Cr in your case. C – Does CPB rider covers cancer also? SP – It does. C – Make it 40 Lakh as cancer treatment is very expensive. SP – Sir, for a SA of ₹ 40 Lakh, CPB rider with waiver of future premium including that of base plan on happening of rider event will cost you ₹ 32,176 for 20 Y PPT and the coverage period will be till 75 years of age, which is the max. offered under this rider. C – Hmm. That means I have to pay an additional amount of ₹ 6,43,520 in 20 years. That seems bit more. SP – Sir, I have a solution for this. Premium will be little high if you choose the Return of Premium option that will ensure 100% return of your total premium paid in case of no diagnosis of CI during the policy term. ROP premium will be ₹ 40,576 p.a. for 20 Y PPT. C – That’s ok. But still I have to pay high premium. SP – Sir, as you only mentioned that cancer treatment is expensive. Extra premium will help you bear the cost of treatment without affecting your savings. Your savings will remain protected for the financial goals you have aimed for. Contd. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 21

Sampoorna Raksha Supreme with CPB Rider Income Life Option: Male – 35 Y, Standard Life | PT – 65 Y, PPT – 20 Y | Base Sum Assured – ₹ 1 Cr | Base Premium – ₹ 47,700 p.a. (excl. GST) CPB Rider: Income Payout for 10 Y | Income amount – ₹ 5 Lakh p.a. | PT- 40 Y, PPT- 20 Y | Rider Sum Assured – ₹ 40,55,448 | Rider Premium w/o ROP and with WoP – ₹ 32,606 (excl. GST)| Rider Premium with ROP and WoP – ₹ 41,123 (excl. GST) C – Than you for explaining the CPB Rider benefits. But I would like to mention that I already have a health policy that will cover my treatment cost. SP – That’s good Sir, you have a health plan. But our CPB rider can provide you yearly income for upto 10 years that will compensate the loss of income during the illness period. C – Ok. Please explain how this feature works. SP – For that could you please mention the amount of yearly income you would like to receive and for what tenure? C – I think I’d like to receive ₹ 5 Lakh p.a. for a period of 10 years to be on a safer side. SP – Ok. On diagnosis of CI during the policy term, an income will of ₹ 5 lacs p.a. will start immediately and will be paid tax-free for 10 years. Your future premiums including that of term plan will also be waived off. In case something happens to you during income period, income for remaining years will continue to be paid to the nominee ensuring a financial inflow in your absence. C – Ok. How much will it cost me? SP – ₹ 32,606 p.a. for 20 Y PPT without ROP and ₹ 41,123 p.a. in case you want all your rider premiums to be returned if you don’t get diagnosed with CI during the policy term. C – Ok. The premium is little less than the base plan premium of 1 Cr. Comparatively, rider is costly. SP – Sir, paying additional premium will put an end to all your financial worries when there will be no income due to illness. Health policy will bear the cost of your medical bills whereas rider payout will cater to your family expenses. Contd. 22 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Sampoorna Raksha Supreme with CPB Rider Lump sum + Income Life Option: Male – 35 Y, Standard Life | PT – 65 Y, PPT – 20 Y | Base Sum Assured – ₹ 1 Cr | Base Premium – ₹ 47,700 p.a. (excl. GST) CPB Rider: Combo of Lump sum and Income | Lump sum Amount - ₹ 10 Lakh | Income Amount ₹ 5 Lakh p.a. for 5 years | PT- 40 Y, PPT- 20 Y | Rider Sum Assured – ₹ 32,25,911 | Rider Premium w/o ROP – ₹ 26,169 p.a. (excl. GST)| Rider Premium with ROP – ₹ 32,943 p.a. (excl. GST) C – I think I would like to purchase the plan without rider as it will cost me extra. SP – Sir, extra premium of CPB rider will provide you coverage across 40 major critical illnesses including Cardiac, Cancer and other Critical Illness conditions. This will save your money which you can invest to meet your financial goals. C – That I understand. But still paying extra premium is a concern. SP – Sir, shall I suggest you the Return of Premium option available in CPB rider which will guarantee 100% return of total premiums paid in case no such illness occurs during the rider policy term. C – But I think that will be costly. Anyways, tell me. SP – Sir, the option that I am going to tell you will pay you a lump sum of ₹ 10 Lakh immediately on diagnosis of CI which can you use for your treatment. In addition, an annual income of ₹ 5 Lakh will start and will be paid for the next 5 years. This will help you in meeting additional expenses. Not only this, all your future premiums including that of base plan will also be waived off so that your policy doesn’t lapse due to non-payment of premium. You will have to pay ₹ 32,943 p.a. for 20 years which be returned if the benefit is not utilized. C – Seems convincing now. Is the income term fixed? SP – No Sir. You may also choose to receive income for any period upto 10 years. You can also decide the lump sum and income amount according to your need. Back to IndexThis is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 23

RIDER SNAPSHOT HospiCare Benefit (HCB) Basic Eligibility Sum Assured 1 L to 40 L Entry Age 18 Y to 65 Y Max Maturity Age 75 years (Subject to Base plan validation) Policy Term Premium As per Base Plan subject to Maximum Maturity Age Mode Premium As per Base Plan Payment Term As per Base Plan Housewives Profile Eligibility Students Term Plan – Allowed upto 25L with Husband insurance of respective rider mandatory in TALIC equal to the sum assured opted by Housewife. Backdating Saving Plan – Allowed upto 25L. Husband insurance of respective rider Business mandatory in TALIC equal to the sum assured opted by Housewife. Insurance Rider Loading Term Plan – Not Applicable Savings Plan – Allowed upto 25L. Parent’s insurance of respective rider mandatory in TALIC equal to the sum assured opted by Student. Not allowed Allowed under HUF, and Employer-Employee scheme A/B (as per existing Term Plan guidelines) Not allowed to Partnership/ Keyman Medical loading is allowed *Allowed only where loading is applicable for Base Plan. NRI/PIO/OCI Not Allowed Contd. 24 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FEATURES HospiCare Benefit (HCB) Covers hospitalization expenses for all causes except exclusions as mentioned in the brochure. Fixed payout of 0.5% of Insured Amount# per day of Hospitalization as daily hospitalization cash benefit Additional 0.5% of Insured amount# for each day in ICU stay Recuperation Benefit: 1.5% of Insured Amount# paid on continuous 7 days of Hospitalization Cover till age 75 Min Sum Assured – ₹ 1 lac Max Sum Assured – ₹ 40 lacs(subject to base plan SA) Waiting period of 90 days (2 years for specific conditions) Tax Benefit under Sec 80D and 10 (10D) Return of Premium option – Total Rider premium paid will be returned in case the rider coverage is not utilized or under utilized till Maturity Contd. 25 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FABING HospiCare Benefit (HCB) FEATURES Benefits (How the Customer benefits) Lumpsum fixed payout • Tackle financial needs during Advantage (Product USP) hospitalization due to unexpected health problems. • Per day Hospital Cash benefit for medical treatment. • Lump sum financial benefit will cover all hospitalization expenses not covered in • Extra per day benefit paid for health policies. ICU stay. • Hassle free reimbursement process will • Recuperation benefit paid in credit fixed payout in bank account. case of continuous 7 days of hospitalization. • No financial burden on you and your family members during hospitalization. • Rider payout benefit is fixed irrespective of amount in medical bills. • Tax Benefits under Section 80D and 10 (10D). Contd. 26 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Fortune Guarantee Plus with HCB Rider Without ROP Regular Income: Male – 35 Y | PT – 12 Y, PPT – 12 Y, IT – 30 Y | Base Sum Assured – ₹ 24 Lakh | Base Premium – ₹ 2,00,000 p.a. (excl. GST) GAI – ₹ 2,40,760 p.a. HCB Rider: Lumpsum payout | PT- 12 Y, PPT- 12 Y | Rider Sum Assured – ₹ 10 Lakh | Rider Premium w/o ROP – ₹ 930 (excl. GST) SP – Sir, I must appreciate your decision to invest in our Fortune Guarantee Plan which will cater to the need of additional income to meet rising future expenses and a life cover to ensure financial security to your loved ones. C – Yes. This serves my savings needs as well as protection needs. SP – Sir, going ahead, may I suggest our HospiCare Benefit Rider which will reimburse your hospitalization expenses in the form of fixed payout. A cover of ₹ 10 Lakh for 12 year policy term will cost you only ₹ 930 p.a. for a 12 Y PPT. C – Sounds interesting. Please explain its benefits. SP – Sure Sir. HCB Rider will pay you ✓ Fixed payout of 0.5% of Insured Amount per day of Hospitalization as Hospital Cash (maximum 30 days per year). ✓ Additional 0.5% of Insured amount for each day in ICU stay (maximum 15 days in a year). ✓ One Time Recuperation Benefit: 1.5% of Insured Amount paid on continuous 7 days of Hospitalization (maximum once a year). All this amount will be paid as a lump sum irrespective of the amount in medical bills. C – Ok. I already have a health policy. Will receiving a claim under my health policy block the rider payout? SP – Not at all Sir. The claim of HCB rider is independent of any health policy. The rider claim is guaranteed to be paid on occurrence of hospitalization due to any cause. And the good thing is that you don’t need to submit the original medical bills for claim. Photocopies of medical bills are accepted. C – That’s lot of benefits for an affordable premium. Let’s complete the rider formalities also. Contd. 27 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Fortune Guarantee Plus with HCB Rider With ROP Regular Income: Male – 35 Y | PT – 12 Y, PPT – 12 Y, IT – 30 Y | Base Sum Assured – ₹ 24 Lakh | Base Premium – ₹ 2,00,000 p.a. (excl. GST) GAI – ₹ 2,40,760 p.a. HCB Rider: Lumpsum payout | PT- 12 Y, PPT- 12 Y | Rider Sum Assured – ₹ 10 Lakh | Rider Premium with ROP – ₹ 12,980 (excl. GST) SP – Sir, you have really taken a great decision by ensuring guaranteed income for 30 long years. The income will be fixed and immune to downfall in interest rates. C – Thank you. Anything else? SP – Sir, during our conversation we talked about the Covid 19 pandemic and how it has affected people mentally, physically, and financially. This type of situation can occur in the future also and we need to be financially prepared to tackle it. C – You are right. SP – May I propose our HospiCare Benefit rider which will reimburse the expenses incurred during hospitalization due to any cause as a fixed payout. C – Ok. Please tell. Will my rider premium also be returned like in FGP? SP – Yes Sir. HCB Rider with ROP will ensure the return of premium in case the benefits remain unutilized or under utilized during the policy term. Let me explain this with an example. Suppose you take HCB rider SA of ₹ 10 Lakh for which you will pay ₹ 12,980 p.a. for 12 years. During the 12 year policy term, you get hospitalized for 4 continuous days. The benefit that you will get will be: ✓ ₹ 20,000 as Hospital Cas which is 0.5% of Insured Amount per day of Hospitalization. At the end of 12 year policy term, you will get ₹ 1,35,760 as the balance return of premium since the benefit availed by you is less than the total premiums paid. Other benefits of this rider include: ✓ Additional 0.5% of Insured amount for each day in ICU stay. ✓ One Time Recuperation Benefit: 1.5% of Insured Amount paid on continuous 7 days of Hospitalization. All this amount will be paid as a lump sum irrespective of the amount in medical bills. C – Sounds good. SP – Sir, given the rising health cost, HCB rider with ROP must be attached to cover the benefits 28 not included in the base plan. There will be no need to buy a separate policy. Back to IndexThis is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER SNAPSHOT Term Benefit with Accelerated Terminal Illness (T&TI) Sum Assured Basic Eligibility Min. - ₹ 5,00,000 or (XX % of Total life cover) whichever is higher Entry Age Max. – No upper limit Max Maturity 18 Y to 65 Y Age Policy Term 85 years (Subject to Base plan validation) Premium Mode As per Base Plan subject to Maximum Maturity Age Premium Payment Term As per Base Plan Housewives As per Base Plan Profile Eligibility Cover will not be allowed to Homemaker profile as minimum total life cover is 60L or more Students Not Applicable Business Cover will not be allowed to Keyman & Partnership Insurance Cover allowed for Employer Employee A/B & HUF Rider Loading Medical/Occupational & Residential loading can be applied NRI/PIO/OCI There are no separate restriction on rider. Current Term plan criteria will be applicable for Base SRS Contd. 29 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FEATURES Term Benefit with Accelerated Terminal Illness (T&TI) • Benefit paid on earlier of Death or diagnosis of Terminal Illness • On diagnosis of Terminal Illness, entire T&TI benefit is paid, and the rider terminates. • Available as a default rider with Sampoorna Raksha Supreme for cover till age 85 ▪ Return of Premium option – Total Rider premium paid will be returned in case the rider benefit is not utilized till Maturity Contd. 30 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

RIDER FABING Term Benefit with Accelerated Terminal Illness (T&TI) FEATURES Benefits (How the Customer benefits) 100% Lump sum payout Advantage (Product USP) • 100% rider Sum Assured as a Lump sum financial benefit on diagnosis of • 100% Rider benefits is paid as a Terminal Illness will provide funds in the lump sum on diagnosis of hands of Life Assured to go for advanced Terminal Illness or Death treatment or asset distribution. whichever is earlier. • Return of Premium option returns total rider premiums paid on maturity in case the rider event does not occur during the policy term. • Tax Benefits under Section 80D and 10 (10D). Contd. 31 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Sampoorna Raksha Supreme with T&TI RIDER Without ROP Life Option: Male – 40 Y, Standard Life | PT – 45 Y, PPT – 10 Y | Base Sum Assured – ₹ 74 Lacs| Base Premium – ₹ 46,252 p.a. (excl. GST) T&TI Rider: Lumpsum payout | PT- 45 Y, PPT- 10 Y | Rider Sum Assured – ₹ 26 Lacs| Rider Premium – ₹ 25,350 p.a. (excl. GST) SP – Sir, I must appreciate your decision to take our term Plan Sampoorna Raksha Supreme. As you have chosen the Life Option with Sum Assured of ₹ 1 Crore for a Policy Term of 45 years, I would like to inform you that this option can be offered only with our Term Benefit with Accelerated Term & Terminal Illness rider. C – Ok. What will be the benefit of this rider? SP – Sir, T&TI rider provides lump sum payout on death or on diagnosis of Terminal Illness whichever is earlier. In case of Term Plan with ₹ 1 crore cover without T&TI rider which you can take only till age 100 years coverage, the Terminal Illness benefit paid on diagnosis will be 50% of the base Sum Assured i.e. ₹ 50 Lacs. But taking the same cover T&TI rider will increase the terminal illness benefit. The benefit received will be 50% of base plan Sum Assured plus 100% of rider Sum Assured. E.g. in your case, the base SA is ₹ 74 Lacs and rider SA is ₹ 26 Lacs. The total benefit paid on terminal illness will be ₹ 63 Lacs. Also, you can take a higher cover as rider Sum Assured will not be considered in calculating your term cover eligibility. C – Ok. I think we shall go ahead with the rider option. Back to IndexThis is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 32

RIDER UNDERWRITING GUIDELINES This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 33

FOCUS PRODUCTS PR Insta FG Plus GRIP Plus Protect (Option 1) (Only Non- Riders Term VIP Whole Life ULIPs ADB options) ✔ ✔✔ ✔✔ ✔ X ATPD ✔ ✔✔ ✔✔ ✔ X Criticare ✔ ✔✔ ✔✔ ✔ X Hospicare ✔ ✔✔ ✔✔ ✔ X X XX ✔✔ ✔ X Waiver of X X✔ XX X X Premium X XX XX X ✔ Terminal Illness ADDL Linked Rider (Long Scale) WOPP (Linked) X XX XX X ✔ WOP (Linked) X XX XX X ✔ Contd. 34 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

UNDERWRITING GUIDELINES Parameter ADB ATPD Criticare Plus Hospicare T&TI Rider (Term Rider) Max Rider Sum 2 Cr 2 Cr 1 Cr 40 Lacs No Upper Cap Assured Minimum Income NA 3 Lacs As per base plan Minimum Education NA HSC; SSC with exception Location Allowed at all locations including Negative location Age Proof Standard/ Non-standard Standard Age Proof mandatory Age proof Retired Lives Allowed with Savings up to Allowed with Savings plan Not Allowed 25L only Homemaker Allowed with Savings up to 25L Allowed with SRS upto 60L Student Life cover Business Insurance Allowed for HUF, EE-A/B Allowed for HUF, EEA/B, Keyman/ Partnership Financial NA Financials UW above 25L Underwriting as per Base plan NA NRI / PIO / OCI Allowed in standard Allowed in 9 As per base plan countries countries up Not Allowed to 20L RIDER NML GRID Criti-care Plus Hospi-care Age Band NML (MSAR) Tele-MER NML (MSAR) Tele-MER (MSAR) (MSAR) Age 18 to 40 Age 41 to 45 20L 50L 10L 40L Age 46 to 50 15L 20L 10L 15 L 10L 15L 5L 10 L Back to IndexThis is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 35

RIDER ONE PAGERS This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 36

Accidental Death Benefit Income Payout An element of Comprehensive Protection Rider Mr. Rajesh Shetty aged 35 years is working with a Fortune 500 IT consulting company at Bangalore. He is married to Priya who is also an IT professional. He has two kids aged 5 and 2. He has decided to buy Fortune Guarantee Plus with an annual premium of ₹ 3 Lac p.a. along with ADB with Return of Premium option for enhanced protection. In this illustration, let’s see the how the Income payout option will work under Accidental Death Benefit Rider. Life Assured Primary Life Insured: Rajesh Shetty Event to be secured Death due to Accident (by vehicle or fire or any mis-adventure) The benefit will be doubled if death occurs due to accident in public transport, places, etc. Claim Amount or Payout – Income Fortune Guarantee Plus + Accidental Death Benefit (Income#) Annual Premium ₹ 3,07,592 * Death due to Lumpsumdeath benefit of Accident FG Plus sum assured paid ADB Premium ₹ 7,592* FG Plus Premium ₹ 3,00,000* ADB Income benefit of to nominee: ₹ 4 Lacs p.a. for 10 years ₹ 36 Lacs Age Life Cover throughout 44 35 Policy Term of 15 Y Return oRfePturernmoiuf mPre(RmOiuPm) PFortune Guarantee Plus + Accidental Death Benefit (Income#) Return of Premium Annual Premium ₹ 3,07,592 * On non occurrence of ₹ 30 Lacs Return of Premium ADB Premium ₹ 7,592* insured event, Refund FG Plus Premium ₹ 3,00,000* of ADB premium ₹75,9201 on Maturity Age 459 50 FG Plus Guaranteed Annual Income of 74 ₹ 4,18,080 starts for 25 Y 3355 44 Life Cover throughout Policy Term of 15 Y For the above illustrative example base plan is: Tata AIA Life Insurance Fortune Guarantee Plus (UIN:110N158V03) Option 1: Regular Income for Male aged 35 years, Standard Life | PT: 15 years, PPT: 10 years, Income Term: 25 years | Base Sum Assured: ₹ 36 Lacs, Base Premium: ₹ 3,00,000 p.a. (excluding GST). For ADB Rider #Income: PT- 15 years, PPT- 10 years | ADB Sum Assured: ₹ 32.44 Lacs | ADB Premium: ₹ 7,592 p.a | ADB Payout: Income of ₹ 4 LPA for 10 years 1Excluding loading for modal premiums | Less any claim amount already paid out under the respective Benefit Option | Provided the Benefit Option is in force and all due premiums have been paid. * Premium excluding all taxes. Contd. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 37

Accidental Death Benefit COMBO PAYOUT An element of Comprehensive Protection Rider Mr. Rajesh Shetty aged 35 years is working with a Fortune 500 IT consulting company at Bangalore. He is married to Priya who is also an IT professional. He has two kids aged 5 and 2. He has decided to buy Fortune Guarantee Plus with an annual premium of ₹ 3 Lac p.a. along with ADB with Return of Premium option for enhanced protection. In this illustration, let’s see the how the Combo payout option will work under Accidental Death Benefit Rider. Life Assured Primary Life Insured: Rajesh Shetty Event to be secured Total and Permanent Disability due to Accident The benefit will be doubled if death occurs due to accident in public transport, places, etc. Claim Amount or Payout – Combo (Lumpsum + Income) Fortune Guarantee Plus + Accidental Death Benefit (Income#) Annual Premium ₹ 3,08,034 * Death due to Lumpsum death benefit paid Accident to nominee: ADB Premium ₹ 8,034* FG Plus Premium ₹ 3,00,000* ADB Income benefit of ADB Rider SA - ₹ 10 Lacs ₹ 3 Lacs p.a. for 10 years FG Plus SA - ₹ 36 Lacs Age Life Cover throughout 44 35 Policy Term of 15 Y Return oRfePturernmoiuf mPre(RmOiuPm) Fortune Guarantee Plus + Accidental Death Benefit (Income#) Return of Premium Annual Premium ₹ 3,08,034 * On non occurrence of ₹ 30 Lacs Return of Premium ADB Premium ₹ 8,034* insured event, Refund FG Plus Premium ₹ 3,00,000* of ADB premium ₹80,3401 on Maturity Age 459 50 FG Plus Guaranteed Annual Income of 74 ₹ 4,18,080 starts for 25 Y 3355 44 Life Cover throughout Policy Term of 15 Y For the above illustrative example base plan is: Tata AIA Life Insurance Fortune Guarantee Plus (UIN:110N158V03) Option 1: Regular Income for Male aged 35 years, Standard Life | PT: 15 Y, PPT: 10 Y, Income Term: 25 Y| Base Sum Assured: ₹ 36 Lacs, Base Premium: ₹ 3,00,000 p.a. (excluding GST). For ADB Rider: PT- 15 Y, PPT- 10 Y | ADB Sum Assured: ₹ 34.33 Lacs | ADB Premium: ₹ 8,034 p.a. | ADB Payout: Combo (Lumpsum ₹ 10 Lacs and Income ₹ 3 LPA for 10 Y) 1Excluding loading for modal premiums | Less any claim amount already paid out under the respective Benefit Option | Provided the Benefit Option is in force and all due premiums have been paid. * Premium excluding all taxes. Contd. 38 This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

EXCLUSIONS Accidental Death Benefit shall not be payable for any losses caused directly or indirectly, wholly or partly, by any one of the following occurrences: 1 Death as a result of any disease or infection 2 Death arising due to any condition other than death solely and directly as a result of an accident 3 Any Pre-existing condition or Disability arising out of a Pre-existing Diseases or any complication arising therefrom. Wherever the proximate cause is accident which has occurred after the rider inception date, this exclusion shall not apply. 4 Suicide, attempted suicide, intentional self-inflicted injury, acts of self-destruction, irrespective of mental condition. 5 Death arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen 6 Death arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country during war or at peace time), participation in any naval, military or air-force operation, civil war, public defense, rebellion, revolution, insurrection, military or usurped power. 7 Death caused by participation of the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable. 8 Insured Person whilst engaging in a speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports in so far as they involve the training for or participation in competitions or professional sports, or involving a naval, military or air force operation and is specifically specified in the Policy Schedule. 9 Working in underground mines, tunneling or explosives, or involving electrical installation with high tension supply, or as jockeys or circus personnel, or engaged in Hazardous Activities 10 Death arising or resulting from the Insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion with criminal intent. 11 Death arising from or caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack. DISCLAIMER: This material belongs to Tata AIA Life Insurance Company Ltd. Any unauthorized use, reprint or circulation is prohibited. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the total premiums paid. This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed Issuance plan, and it will be subject to Company’s underwriting and acceptance. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibil-ity on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Kindly refer the Sales Illustration for the exact premium. *All premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy. Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please refer to the rider brochure or contact Tata AIA Life's Insurance Advisor/ branch. All examples and figures used herein are for illustrative/ understanding purposes only. This product comes under Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02) and Tata AIA Life Insurance Linked Comprehensive Protection Rider (UIN: 110A032V02). Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at [email protected]. Visit us at: www.tataaia.com. BBEEWWAARREEOOFFSSPPUURRIOIOUUSS// IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of FFRRAAUUDDPPHHOONNEECCAAiLiLLLSS!! premiums. Public receiving such phone calls are requested to lodge a police complaint. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 39

Accidental Total Permanent Disabilty INCOME PAYOUT An element of Comprehensive Protection Rider Mr. Rajesh Shetty aged 35 years is working with a Fortune 500 IT consulting company at Bangalore. He is married to Priya who is also an IT professional. He has two kids aged 5 and 2. He has decided to buy Fortune Guarantee Plus with an annual premium of ₹ 3 Lac p.a. along with ATPD with Waiver of Premium and Return of Premium option for enhanced protection. In this illustration, let’s see the how the Income payout option will work under Accidental Total and Permanent Disability Rider. Life Assured Primary Life Insured: Rajesh Shetty Event to be secured Total and Permanent Disability due to Accident The benefit will be doubled if the disability occurs due to accident in public transport, places etc. Claim Amount or Payout Fortune Guarantee Plus + Accidental Total and Permanent Disability (Income#) Waiver of Premium (WOP) Annual Premium ₹ 3,07,630 * Disability due to ₹ 15 Lacs Return of accident at age 39 Premium ATPD Premium ₹ 7,630* FG Plus Premium ₹ 3,00,000* AllFuture Premiums (base plan + rider) WaivedOff ATPD Income benefit ₹ 4 Lacs p.a. for 10 Y Age 39 49 50 FG Plus Guaranteed Annual Income of 74 35 Life Cover throughout Policy Term of 15 Y ₹ 4,18,080 starts for 25 Y Return oRfePturernmoiuf mPre(RmOiuPm) Fortune Guarantee Plus + Accidental Total and Permanent Disability (Income#) Return of Premium (ROP) Annual Premium ₹ 3,07,630 * On non occurrence of ₹ 30 Lacs Return of Premium ATPD Premium ₹ 7,630* insured event, Refund FG Plus Premium ₹ 3,00,000* of ATPD premium ₹76,3001 on Maturity Age 44 4599 50 FG Plus Guaranteed Annual Income of 74 ₹ 4,18,080 starts for 25 Y 3355 Life Cover throughout Policy Term of 15 Y For the above illustrative example base plan is: Tata AIA Life Insurance Fortune Guarantee Plus (UIN:110N158V03) Option 1: Regular Income for Male aged 35 years, Standard Life 40 | PT: 15 Y, PPT: 10 Y, Income Term: 25 Y | Base Sum Assured: ₹ 36 Lacs, Base Premium: ₹ 3,00,000 p.a. (excluding GST). For ATPD Rider with WOP and ROP #Income: PT- 15 Y, PPT- 10 Y | ATPD Sum Assured: ₹ 32.44 Lacs | ATPD Premium: ₹ 7,630 p.a. | ATPD Payout: Income of ₹ 4 LPA for 10 Y 1Excluding loading for modal premiums | Less any claim amount already paid out under the respective Benefit Option | Provided the Benefit Option is in force and all due premiums have been paid. * Premium excluding all taxes. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Accidental Total Permanent Disabilty COMBO PAYOUT An element of Comprehensive Protection Rider Mr. Rajesh Shetty aged 35 years is working with a Fortune 500 IT consulting company at Bangalore. He is married to Priya who is also an IT professional. He has two kids aged 5 and 2. He has decided to buy Fortune Guarantee Plus with an annual premium of ₹ 3 Lac p.a. along with ATPD with Waiver of Premium and Return of Premium option for enhanced protection. In this illustration, let’s see the how the Combo payout option will work under Accidental Total and Permanent Disability Rider. Life Assured Primary Life Insured: Rajesh Shetty Event to be secured Total and Permanent Disability due to Accident The benefit will be doubled if the disability occurs due to accident in public transport, places etc. Claim Amount or Payout – Combo (Lumpsum + Income) Fortune Guarantee Plus + Accidental Total and Permanent Disability (Income#) Waiver of Premium (WOP) Annual Premium ₹ 3,08,263 * Disability due to AllFuture Premiums accident at age 39 (baseplan+ rider) ATPD Premium ₹ 8,263* Waived Off FG Plus Premium ₹ 3,00,000* ₹ 13 Lacs ATPD Lump sum SA paid to nominee ₹ 15 Lacs Return of Premium ATPD Income benefit ₹ 5 Lacs p.a. for 5 Y Age 39 43 49 50 FG Plus Guaranteed Annual Income of 74 35 Life Cover throughout Policy Term of 15 Y ₹ 4,18,080 starts for 25 Y Return ofRPerteumrniuomf P(RrOemP)ium Fortune Guarantee Plus + Accidental Total and Permanent Disability Return of Premium (ROP) Annual Premium ₹ 3,08,263* On non occurrence of ₹ 30 Lacs Return of Premium ATPD Premium ₹ 8,263* insured event, Refund FG Plus Premium ₹ 3,00,000* of ATPD premium ₹82,6301 on Maturity Age 44 4599 50 FG Plus Guaranteed Annual Income of 74 ₹ 4,18,080 starts for 25 Y 3355 Life Cover throughout Policy Term of 15 Y For the above illustrative example base plan is: Tata AIA Life Insurance Fortune Guarantee Plus (UIN:110N158V03) Option 1: Regular Income for Male aged 35 years, Standard Life | PT: 41 15 Y, PPT: 10 Y, Income Term: 25 Y | Base Sum Assured: ₹ 36 Lacs, Base Premium: ₹ 3,00,000 p.a. (excluding GST). For ATPD Rider with WOP and ROP: PT- 15 Y, PPT- 10 Y | ATPD Sum Assured: ₹ 35.26 Lacs | ATPD Premium: ₹ 8,263 p.a. | ATPD Payout: Combo (Lumpsum ₹ 13 Lacs and Income ₹ 5 LPA for 5 Y) 1Excluding loading for modal premiums | Less any claim amount already paid out under the respective Benefit Option | Provided the Benefit Option is in force and all due premiums have been paid. * Premium excluding all taxes. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

EXCLUSIONS Accidental Disability Benefit shall be not payable for any losses caused directly or indirectly, wholly or partly, by any one of the following occurrences: 1 Disablement as a result of any disease or infection. 2 Disablement arising due to any condition other than disablement solely and directly as a result of an accident. 3 Any Pre-existing condition or Disability arising out of a Pre-existing Diseases or any complication arising therefrom. Wherever the proximate cause is accident which has occurred after the rider inception date, this exclusion shall not apply. 4 If the Disability has not persisted for at least 180 days and is not in the opinion of a medical practitioner, deemed to be permanent. 5 Attempted suicide, intentional self-inflicted injury, acts of self-destruction, irrespective of mental condition. 6 Disablement arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen. 7 Disablement arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country during war or at peace time), participation in any naval, military or air-force operation, civil war, public defense, rebellion, revolution, insurrection, military or usurped power. 8 Disablement caused by participation of the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable. 9 Insured Person whilst engaging in a speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep-sea diving using hard helmet and breathing apparatus, polo, snow and ice sports in so far as they involve the training for or participation in competitions or professional sports, or involving a naval, military or air force operation and is specifically specified in the Policy Schedule. 10 Working in underground mines, tunneling or explosives, or involving electrical installation with high tension supply, or as jockeys or circus personnel, or engaged in Hazardous Activities 11 Disablement arising or resulting from the Insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion with criminal intent. 12 Disablement arising from or caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack DISCLAIMER: This material belongs to Tata AIA Life Insurance Company Ltd. Any unauthorized use, reprint or circulation is prohibited. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the total premiums paid. This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed Issuance plan, and it will be subject to Company’s underwriting and acceptance. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibil-ity on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Kindly refer the Sales Illustration for the exact premium. *All premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy. Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please refer to the rider brochure or contact Tata AIA Life's Insurance Advisor/ branch. All examples and figures used herein are for illustrative/ understanding purposes only. This product comes under Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02) and Tata AIA Life Insurance Linked Comprehensive Protection Rider (UIN: 110A032V02). Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at [email protected]. Visit us at: www.tataaia.com. BBEEWWAARREEOOFFSSPPUURRIOIOUUSS// IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of FFRRAAUUDDPPHHOONNEECCAAiLiLLLSS!! premiums. Public receiving such phone calls are requested to lodge a police complaint. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 42

Criticare Plus Benefit INCOME PAYOUT An element of Comprehensive Protection Rider Mr. Rajesh Shetty aged 35 years is working with a Fortune 500 IT consulting company at Bangalore. He is married to Priya who is also an IT professional. He has two kids aged 5 and 2. He has decided to buy Fortune Guarantee Plus with an annual premium of ₹ 3 Lac p.a. along with CPB with Waiver of Premium and Return of Premium option for enhanced protection. In this illustration, let’s see the how the Income payout option will work under CritiCare Plus Benefit Rider. Life Assured Primary Life Insured: Rajesh Shetty Event to be secured First occurence of any of the 40 covered Critical Illness including Cancer and Cardiac conditions Amount or Payout Option Fortune Guarantee Plus + CritiCare Plus Benefit (Income) Waiver of Premium (WOP) Annual Premium ₹ 3,10,967 * Critical Illness ₹ 18 Lacs Return of diagnosed at age 40 Premium CPB Premium ₹ 10,967* FG Plus Premium ₹ 3,00,000* AllFuture Premiums (base plan+ rider) WaivedOff CPB Income benefit ₹ 5 Lacs p.a. for 5 Y Age 40 44 49 50 FG Plus Guaranteed Annual Income of 74 35 Life Cover throughout Policy Term of 15 Y ₹ 4,18,080 starts for 25 Y Return ofRPerteumrniuomf P(RrOemP)ium Fortune Guarantee Plus + CritiCare Plus Benefit Return of Premium (ROP) Annual Premium ₹ 3,27,327* On non occurrence of ₹ 30 Lacs Return of Premium CPB Premium ₹ 27,327* insured event, Refund FG Plus Premium ₹ 3,00,000* of ATPD premium ₹2,73,2701 on Maturity Age 74 35 Life Cover throughout Policy Term of 15 Y 49 50 FG Plus Guaranteed Annual Income of₹ 4,18,080 starts for 25 Y For the above illustrative example base plan is: Tata AIA Life Insurance Fortune Guarantee Plus (UIN:110N158V03) Option 1: Regular Income for Male aged 35 years, Standard 43 Life | PT: 15 years, PPT: 10 years, Income Term: 25 years | Base Sum Assured: ₹ 36 Lacs, Base Premium: ₹ 3,00,000 p.a. (excluding GST). For CPB Rider with WoP and ROP: PT- 15 years, PPT- 10 years | CPB Sum Assured: ₹ 22.25 Lacs | |CPB Premium with WoP and without ROP: ₹ 10,967 p.a | CPB Premium with WoP and ROP: ₹ 27,327 p.a | CPB Payout: Income of ₹ 5 LPA for 5 years 1Excluding loading for modal premiums | Less any claim amount already paid out under the respective Benefit Option | Provided the Benefit Option is in force and all due premiums have been paid. • Premium excluding all taxes. NO MEDICALS REQUIRED FOR SUM ASSURED UP TO ₹ 20 LACS This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

Criticare Plus Benefit COMBO PAYOUT An element of Comprehensive Protection Rider Mr. Rajesh Shetty aged 35 years is working with a Fortune 500 IT consulting company at Bangalore. He is married to Priya who is also an IT professional. He has two kids aged 5 and 2. He has decided to buy Fortune Guarantee Plus with an annual premium of ₹ 3 Lac p.a. along with CPB with Waiver of Premium and Return of Premium option for enhanced protection. In this illustration, let’s see the how the Income payout option will work under CritiCare Plus Benefit Rider. Life Assured Primary Life Insured: Rajesh Shetty Event to be secured First occurence of any of the 40 covered Critical Illness including Cancer and Cardiac conditions Claim Amount or Payout – Combo (Lumpsum + Income) Fortune Guarantee Plus + CritiCare Plus Benefit (Income) Waiver of Premium (WOP) Annual Premium ₹ 3,14,627 * Critical Illness AllFuture Premiums (baseplan+ rider) CPB Premium ₹ 14,627* diagnosed at age 40 FG Plus Premium ₹ 3,00,000* Waived Off ₹ 10 Lacs CPB Lump sum SA paid to nominee ₹ 18 LacsReturnof Premium CPB Income benefit ₹ 5 Lacs p.a. for 5 Y Age 40 44 49 50 FG Plus Guaranteed Annual Income of 74 35 ₹ 4,18,080 starts for 25 Y Life Cover throughout Policy Term of 15 Y Return ofRPerteumrniuomf P(RrOemP)ium Fortune Guarantee Plus + CritiCare Plus Benefit Return of Premium (ROP) Annual Premium ₹ 3,38,337* On non occurrence of ₹ 30 LacsReturnof Premium CPB Premium ₹ 38,337* insured event, Refund of FG Plus Premium ₹ 3,00,000* CPB premium ₹ 3,83,3701 on Maturity Age 74 35 Life Cover throughout Policy Term of 15 Y 49 50 FG Plus Guaranteed Annual Income of₹ 4,18,080 starts for 25 Y For the above illustrative example base plan is: Tata AIA Life Insurance Fortune Guarantee Plus (UIN:110N158V03) Option 1: Regular Income for Male aged 35 years, Standard Life | 44 PT: 15 years, PPT: 10 years, Income Term: 25 years | Base Sum Assured: ₹ 36 Lacs, Base Premium: ₹ 3,00,000 p.a. (excluding GST). For CPB Rider with WoP and ROP: PT- 15 years, PPT- 10 years | CPB Sum Assured: ₹ 32.25 Lacs | |CPB Premium with WoP and without ROP: ₹ 14,627 p.a | CPB Premium with WoP and ROP: ₹ 38,337 p.a | CPB Payout: Combo (Lumpsum ₹ 10 Lacs and Income ₹ 5 LPA for 5 Y) 1Excluding loading for modal premiums | Less any claim amount already paid out under the respective Benefit Option | Provided the Benefit Option is in force and all due premiums have been paid. • Premium excluding all taxes. NO MEDICALS REQUIRED FOR SUM ASSURED UP TO ₹ 20 LACS This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation.

SR ILLNESS / PROCEDURE SR ILLNESS / PROCEDURE NO NO CANCER 20 Encephalitis 1 Cancer of Specified Severity 21 End Stage Liver Failure CARDIAC CONDITIONS: 22 End Stage Lung Failure 23 Fulminant Viral Hepatitis 2 Cardiomyopathy (of specified severity) 24 Kidney Failure requiring Regular Dialysis 3 Heart transplant 25 Loss of Independent Existence 4 Major surgery of Aorta 26 Loss of limbs Myocardial Infarction 5 (First Heart Attack of specified severity 6 Open Chest CABG 27 Loss of Speech (Coronary Artery Bypass Graft 7 Open Heart Replacement or Repair of Heart 28 Major Head Trauma Valves 8 Primary (Idiopathic) Pulmonary 29 Major Organ (less heart)/ Bone Marrow Hypertension Transplant 9 Stroke resulting into permanent symptoms 30 Medullary Cystic Kidney Disease CARDIAC CONDITIONS: 31 Motor Neuron Disease with Permanent Symptoms 10 Alzheimer's Disease 32 Multiple Sclerosis with Persisting Symptoms 11 Apallic Syndrome 12 Aplastic Anaemia 33 Muscular Dystrophy 13 Bacterial Meningitis 14 Benign Brain Tumor 34 Parkinson's Disease 15 Blindness 35 Permanent Paralysis of Limbs 16 Chronic Recurrent Pancreatitis 36 Poliomyelitis 17 Coma of Specified Severity 37 Progressive Scleroderma 18 Creutzfeldt-Jacob disease 38 Severe Rheumatoid Arthritis 39 SLE with Renal Involvement 40 Third Degree Burns 19 Deafness This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 45

EXCLUSIONS In addition to the disease specific exclusions given along with definitions of the respective diseases covered under the Benefit Option, no benefit will be payable if death or the illness covered under the policy is caused or aggravated directly or indirectly by any of the following: 1 Pre-Existing Diseases are not covered. Any pre-existing disease at the time of inception of the policy. 2 Any investigation or treatment for any Illness, disorder, complication or ailment arising out of or connected with the pre-existing Illness shall be considered part of that pre-existing illness. 3 No benefits will be payable for any condition(s) which is a direct or indirect result of any pre-existing conditions unless Life Insured has disclosed the same at the time of proposal or date of revival whichever is later and the Company has accepted the same. 4 Any covered condition which is diagnosed and/or received medical advice/treatment event or its signs or symptoms having occurred within the waiting period. 5 Self-inflicted injuries, attempted suicide, insanity, and deliberate participation of the Life Insured in an illegal or criminal act with criminal intent. 6 Use of intoxicating drugs / alcohol / solvent, taking of drugs except under the direction of a medical practitioner. 7 Any illness due to an external congenital defect. 8 Boxing, caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off pastel skiing, pot holing, power boat racing, underwater diving, yacht racing or any race, trial or timed motor sport, bungee jumping, hand gliding etc. 9 Any injury, sickness or disease received as a result of aviation (including parachuting or skydiving), gliding or any form of aerial flight other than as a fare-paying passenger or crew on a licensed passenger-carrying commercial aircraft operating on regular routes and on a scheduled timetable unless agreed by special endorsement. 10 War, invasion, hostilities (whether war is declared or not), civil war, rebellion, terrorist activity, revolution or taking part in a riot or civil commotion, strikes or industrial action. 11 Any treatment of a donor for the replacement of an organ. 12 Nuclear reaction, Biological, Chemical or Radioactive contamination due to nuclear accident 13 Diagnosis and treatment outside India. 14 Ayurvedic, Homeopathy, Unani, herbalist treatment, any other treatments other than Allopathy / western medicines. DISCLAIMER: This material belongs to Tata AIA Life Insurance Company Ltd. Any unauthorized use, reprint or circulation is prohibited. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the total premiums paid. This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed Issuance plan, and it will be subject to Company’s underwriting and acceptance. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibil-ity on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Kindly refer the Sales Illustration for the exact premium. *All premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy. Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please refer to the rider brochure or contact Tata AIA Life's Insurance Advisor/ branch. All examples and figures used herein are for illustrative/ understanding purposes only. This product comes under Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02) and Tata AIA Life Insurance Linked Comprehensive Protection Rider (UIN: 110A032V02). Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at [email protected]. Visit us at: www.tataaia.com. BBEEWWAARREEOOFFSSPPUURRIOIOUUSS// IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of FFRRAAUUDDPPHHOONNEECCAAiLiLLLSS!! premiums. Public receiving such phone calls are requested to lodge a police complaint. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 46

CritiCare Plus Benefit Rider with WAIVER OF PREMIUM 1GUARANTEED HIGHER RETURNS Sample Illustration 45 Yrs male | Standard Life, Non-Smoker | FG Plus – Regular Income with CPB WOP | Base Sum Assured – ₹ 1.10 Crore | Base plan and Rider PPT / PT – 12 Y | Income Term – 30 Y | Base Plan Premium: ₹ 10,00,000 p.a. | CPB WOP premium – ₹ 35,960 p.a. Scenario – The customer is diagnosed with critical illness at age 49 Diagnosed with CI Get ROP of ₹ 50 Lacs All Future premiums WAIVED OFF ₹An1n0u,a3l 5Pr,e9m6i0u*m Get 1Guaranteed 2Tax free Income of ₹ 12,26,700 p.a. for 30 years 45 49 56 57 86 Total Total Benefit 12 13 42 Premium Received 15 ₹ 10,00,000 + ₹ 35,960 Paid ₹ 4,18,01,000 ₹ 51,79,80 0 Life cover during the Policy Term of 12 Y *Premium is excluding taxes All Future Premiums (base plan + rider) will be Waived Off on occurrence of Rider event Coverage across Waiver of All future premiums Tax Benefit under Sec 40^ major Premium (WOP) of base plan and 80D and 10(10D) critical illnesses on occurrence of the CPB rider including the approved waived off under Cardiac, Cancer critical illnesses WOP and other Critical mentioned in the conditions brochure ^Complete list of approved 40 critical illnesses is mentioned in the brochure. 1Guaranteed Annual Income (GAI) shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period. The income shall be paid as per the chosen Income Frequency. 2Tax Benefits as applicable tax laws. TALK TO YOUR CUSTOMERS TODAY! This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 47

Hospicare Benefit An element of Comprehensive Protection Rider Plan At A Glance Min. Entry Age Max. Entry Age Max. Maturity Age Min. Sum Assured Max. Sum 18 Years ₹ 1 Lac Assured 65 Years 75 Years ₹ 40 Lacs Life Assured The Insured Amount under this Benefit Option will be payable subject to hospitalization of the Life Insured for medically necessary treatment of any illness or injury for a minimum period of consecutive 24 hours. Event to be secured Pays fixed amount on Hospitalization, ICU Benefit and Recuperation benefit in case of hospitalization for 7 or more days. Claim Amount or Payout – Lumpsum Fortune Guarantee Plus + HospiCare Benefit (Without ROP) Hospitalized for 6 days Return of (3 days in ICU) Premium HCB benefit recd. ₹ 45,000 ₹ 30 Lacs Annual Premium ₹ 3,01,300 * Hospitalized for 2 days HCB benefit recd. ₹ AHnCnuBaPl rPermemiumium * ₹ 1,300* 10,000 FG Plus Premium ₹ 3,00,000* 35 44 49 74 50 Life Cover throughout Policy Term of 15 Y *Premium is excl. taxes FG Plus Guaranteed Annual Income of ₹ 4,18,080 starts for 25 Y Return ofRPerteumrniuomf P(RrOemP)ium Hospitalized for 5 days For internal circulation only and not to be used for solicitation (2 days in ICU) HCB benefit recd. ₹ 35,000 purpose. Return of Annual Premium ₹ 3,13,880 * ROP on Maturity Premium AHnCnuBaPl rPermemiumium * ₹ 13,880* ₹1,38,800 – ₹25,000 = ₹ 30 Lacs FG Plus Premium ₹ 3,00,000* ₹ 1,03,800 35 44 49 74 50 Life Cover throughout Policy Term of 15 Y FG Plus Guaranteed Annual Income of *Premium is excl. taxes ₹ 4,18,080 starts for 25 Y For the above illustrative example base plan is: Tata AIA Life Insurance Fortune Guarantee Plus (UIN:110N158V03) Option 1: Regular Income for Male aged 35 years, Standard Life | PT: 15 Y, PPT: 10 Y, Income Term: 25 Y| Base Sum Assured: ₹ 36 Lacs, Base Premium: ₹ 3,00,000 p.a. (excluding GST). For HCB Rider: PT- 15 Y, PPT- 10 Y | HCB Sum Assured: ₹ 10 Lacs | HCB Premium without ROP: ₹ 1,300 p.a. | HCB Premium with ROP: ₹ 13,880 p.a. | HCB Payout: Lumpsum ₹ 10 Lacs 1Excluding loading for modal premiums | Less any claim amount already paid out under the respective Benefit Option | Provided the Benefit Option is in force and all due premiums have been paid. * Premium excluding all taxes. NO MEDICALS REQUIRED FOR SUM ASSURED UP TO ₹ 10 LACS This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 48

EXCLUSIONS The Life Insured will not be entitled to any benefits if the surgery or hospitalization is directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following: 1 Any pre-existing condition (disease, illness or injury) and its complications which manifested itself prior to the effective date of the Benefit Option or its latest revival date, whichever is later. Wherever the proximate cause is accident which has occurred after therider inception date, this exclusion shall not apply. 2 Any investigation or treatment for any Illness, disorder, complication or ailment arising out of or connected with the pre-existing Illness shall be considered part of that pre-existing illness. 3 Attempted suicide, attempted self-destruction or self-inflicted injury, irrespective of mental condition. 4 Complications of Sexually Transmitted Diseases or Veneral Disease 5 Any covered condition which is diagnosed and/or received medical advice/treatment within the waiting period. 6 Engaging or Taking part in or practicing for any professional sport(s) or any adventurous pursuits or hazardous sports / pastimes including but not limited to taking part in (or practicing for) boxing, caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off pastel skiing, pot holing, power boat racing, underwater diving, yacht racing or any race, trial or timed motor sport, bungee jumping, hand gliding etc. 7 A Participation by the insured person in any flying activity, except as a bona fide, fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable. 8 Insured person being under the influence of drugs, alcohol, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner. 9 War, invasion, act of foreign enemy, hostilities (whether war is declared or not), terrorism, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power or taking part in any riot, strikes, industrial disputes or civil commotion. 10 Taking part in any act of a criminal or illegal nature or committing any breach of law with criminal intent 11 Nuclear Contamination; the radio-active, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature and any kind of biological and chemical contamination. 12 Taking part in any naval, military or air force operation during peace time. 13 Admission, Diagnosis or Treatment taken outside India 14 Circumcision, any cosmetic procedures or plastic surgery 15 Pregnancy, childbirth or their complications, abortion, medical termination of pregnancy, infertility including IVF surrogate or vicarious pregnancy or services including complications arising due to supplying services or Assisted Reproductive Technology or sex change operation 16 Organ donation (as a donor) 17 External and known congenital conditions or birth defects 18 Dental treatment except if arising from an accident 19 Any form of Non-Allopathic treatment 20 Purely investigative procedure not resulting in any treatment or elective procedures This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 49

EXCLUSIONS 21 All preventive care, vaccinations including inoculation and immunizations 22 Study and treatment of sleep disorder or sleep apnea 23 Any hospitalization / surgery performed within 90 days from the start of coverage or the revival date. 24 Treatment for developmental problems including learning difficulties e.g. Dyslexia, behavioral problems 25 Any treatment received in convalescent homes, convalescent hospitals, nature cure clinics, rest care, rehabilitation, or similar establishments 26 Charges incurred in connection with cost of external aids, spectacles and contact lenses, hearing aids, laser surgery for correction of refractive errors other than for focal error of +/-7 or more and medically necessary. DISCLAIMER: This material belongs to Tata AIA Life Insurance Company Ltd. Any unauthorized use, reprint or circulation is prohibited. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the total premiums paid. This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed Issuance plan, and it will be subject to Company’s underwriting and acceptance. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibil-ity on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Kindly refer the Sales Illustration for the exact premium. *All premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy. Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please refer to the rider brochure or contact Tata AIA Life's Insurance Advisor/ branch. All examples and figures used herein are for illustrative/ understanding purposes only. This product comes under Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02) and Tata AIA Life Insurance Linked Comprehensive Protection Rider (UIN: 110A032V02). Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at [email protected]. Visit us at: www.tataaia.com. BBEEWWAARREEOOFFSSPPUURRIOIOUUSS// IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of FFRRAAUUDDPPHHOONNEECCAAiLiLLLSS!! premiums. Public receiving such phone calls are requested to lodge a police complaint. This is an internal training document created only for the sales employees of Tata AIA. This should be not used for solicitation. 50