Bharti AXA Life Unnati Plan

A Non-Linked, Participating, Individual, Savings Life Insurance Plan

ILLUSTRATION OF BENEFITS FOR BHARTI AXA LIFE UNNATI PLAN

Proposer Details Quote No.: 70005459554

Name of the Prospect/Policyholder: manvindar kaur System Reference No.: 70005459554
Age as on last birthday: 42 Years Proposal No:
Gender: Female Policy No:
Life Insured Details Name of the Product: Bharti AXA Life Unnati Plan
Name of the Life Insured: priya kaur Tag Line: A Non-Linked, Participating, Individual,
Savings Life Insurance Plan
Age as on last birthday: 14 Years
Unique Identification Number: 130N106V01
Gender: Female
GST Rate (incl. cess, if any): GST Rate applicable in 1st year is 4.50% and
2nd year onwards is 2.25%. For Riders, 18%
GST rate is applicable.
Policy Term (years): 86
Premium Payment Term (years) : 15
Premium Mode: Annual Product Code: PIWL15P
Amount of lnstalment Premium (Rs.): (incl. rider Rider Code: PWPDTD
premium and GST) 1,11,285

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy.

How to read and understand this benefit illustration?

This benefit illustration is intented to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed
benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates
of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value
of your policy is dependent on a number of factors including future investment performance.

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 1 of 11
 Policy Details
Policy Option: Whole Life Income Option Sum Assured Rs. 13,85,775
Bonus Type : Cash Bonus Sum Assured on Death (at inception of the policy) Rs. 10,50,000

Rider Details
Rider 1
Bharti AXA Life Premium Waiver Rider on Death and Total Permanent Disability for Proposer
Rider Name (UIN: 130B005V04)
Rider Term (years) 15
Rider Premium Payment Term (Years) 15
GST Rate applicable in 1st year is 4.50% and 2nd year onwards is 2.25%. For Riders, 18% GST rate is applicable. 18.00%
Rider Sum Assured (Rs.) -

Premium Summary
Bharti AXA Life Unnati Plan Bharti AXA Life Premium Waiver Rider on Death and Total Permanent Disability Total Instalment Premium
Instalment Premium without GST (Rs.) 1,00,000 5,750 1,05,750
GST in the First Year 4,500 1,035 5,535
Instalment Premium with First Year GST (Rs.) 1,04,500 6,785 1,11,285
GST from 2nd Year onwards 2,250 1,035 3,285
Instalment Premium with GST 2nd Year Onwards (Rs.) 1,02,250 6,785 1,09,035

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 2 of 11
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

Guaranteed Benefits Non-Guaranteed Benefits@ 4% p.a p.a Guaranteed Benefit

Maturity Benefit Death Benefit

Single / Total
Policy Annualized Total
Surrender Surrender Total Total Death
Year Premium Survival Cash Total Maturity Benefit incl Total Death
Guaranteed Surrender Death Maturity Reversionary Reversionary Cash Benefit,
Benefit Bonus Benefit, incl incl
Maturity Benefit, incl of Benefit incl
(1) Additions. Benefit Benefit Benefit Bonus Terminal Bonus Bonus Benefit,incl Terminal
Terminal Terminal of Terminal
(2) Bonus Terminal
(3) (5) (6) (7) (8) (11) (12) Bonus Bonus, if Bonus if any Bonus if any
(4) (9) Bonus, if any @ 8% @ 4% @ 8%
(10) any @ 4%
(13)
(7+11) (6+8) (6+11)
(7+8)

1 1,00,000 - - - 10,50,000 - - - - - - - - - 10,50,000 10,50,000

2 1,00,000 - 23,558 36,442 10,50,000 - - - 38,504 - - 38,504 - - 10,50,000 10,50,000

3 1,00,000 - 23,558 57,884 10,50,000 - - - 57,884 - - 57,884 - - 10,50,000 10,50,000

4 1,00,000 - 23,558 1,29,325 10,50,000 - - - 1,29,325 - - 1,29,325 - - 10,50,000 10,50,000

5 1,00,000 - 23,558 1,55,767 10,50,000 - - - 1,55,767 - - 1,55,767 - - 10,50,000 10,50,000

6 1,00,000 - 23,558 1,82,209 10,50,000 - - - 1,82,209 - - 1,82,209 - - 10,50,000 10,50,000

7 1,00,000 - 23,558 2,08,651 10,50,000 - - - 2,08,651 - - 2,08,651 - - 10,50,000 10,50,000

8 1,00,000 - 23,558 2,35,093 10,50,000 - - - 2,35,093 - - 2,35,093 - - 10,50,000 10,50,000

9 1,00,000 - 23,558 2,61,535 10,50,000 - - - 2,61,535 - - 2,61,535 - - 10,50,000 10,50,000

10 1,00,000 - 23,558 2,87,976 10,50,000 - - - 2,87,976 - - 2,87,976 - - 10,50,000 10,50,000

11 1,00,000 - 23,558 3,14,418 11,55,000 - - - 3,14,418 - - 3,14,418 - - 11,55,000 11,55,000

12 1,00,000 - 23,558 3,40,860 12,60,000 - - - 3,40,860 - - 3,40,860 - - 12,60,000 12,60,000

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 3 of 11
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

Guaranteed Benefits Non-Guaranteed Benefits@ 4% p.a
p.a Guaranteed Benefit

Maturity Benefit Death Benefit

Single / Total
Policy Annualized Total
Surrender Surrender Total Total Death
Year Premium Survival Cash Total Maturity Benefit incl Total Death
Guaranteed Surrender Death Maturity Reversionary Reversionary Cash Benefit,
Benefit Bonus Benefit, incl incl
Maturity Benefit, incl of Benefit incl
(1) Additions. Benefit Benefit Benefit Bonus Terminal Bonus Bonus Benefit,incl Terminal
Terminal Terminal of Terminal
(2) Bonus Terminal
(3) (5) (6) (7) (8) (11) (12) Bonus Bonus, if Bonus if any Bonus if any
(4) (9) Bonus, if any @ 8% @ 4% @ 8%
(10) any @ 4%
(13)
(7+11) (6+8) (6+11)
(7+8)

13 1,00,000 - 23,558 3,67,302 13,65,000 - - - 4,35,519 - - 5,50,335 - - 13,65,000 13,65,000

14 1,00,000 - 23,558 3,93,744 14,70,000 - - - 5,70,938 - - 7,43,088 - - 14,70,000 14,96,774

15 1,00,000 - 23,558 4,20,186 15,75,000 - - - 7,26,303 - - 9,72,417 - - 15,75,000 16,54,336

16 - - 23,558 3,96,627 15,75,000 - - 4,573 10,38,657 - 81,345 13,81,636 - - 15,75,000 16,65,284

17 - - 23,558 4,48,069 15,75,000 - - 4,573 11,22,387 - 81,345 13,97,734 - - 15,75,000 16,77,063

18 - - 23,558 4,24,511 15,75,000 - - 4,573 10,73,885 - 81,345 13,98,510 - - 15,75,000 16,89,674

19 - - 23,558 4,00,953 15,75,000 - - 4,573 10,83,724 - 81,345 14,10,788 - - 15,75,000 17,03,254

20 - - 23,558 3,77,395 15,75,000 - - 4,573 10,94,118 - 81,345 14,23,801 - - 15,75,000 17,17,666

21 - - 23,558 3,53,837 15,75,000 - - 4,573 11,05,204 - 81,345 14,51,876 - - 15,75,000 17,33,187

22 - - 23,558 3,30,278 15,75,000 - - 4,573 11,28,146 - 81,345 14,66,829 - - 15,75,000 17,49,955

23 - - 23,558 3,06,720 15,75,000 - - 4,573 11,46,701 - 81,345 14,82,890 - - 15,75,000 17,67,693

24 - - 23,558 2,83,162 15,75,000 - - 4,573 11,65,991 - 81,345 15,00,101 - - 15,75,000 17,86,955

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 4 of 11
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

Guaranteed Benefits Non-Guaranteed Benefits@ 4% p.a p.a Guaranteed Benefit

Maturity Benefit Death Benefit

Single / Total
Policy Annualized Total
Surrender Surrender Total Total Death
Year Premium Total
Guaranteed Survival Surrender Death Maturity Reversionary Cash Reversionary Cash Benefit, Maturity Benefit incl Total Death
Benefit Bonus Benefit, incl incl
Maturity Benefit, incl of Benefit incl
(1) Additions. Benefit Benefit Benefit Bonus Terminal Bonus Bonus Benefit,incl Terminal
Bonus Terminal Terminal of Terminal
(2) Terminal Bonus if any
(3) (5) (6) (7) (8) (11) (12) Bonus Bonus, if Bonus if any
(4) (9) Bonus, if any @ 8% @ 4% @ 8%
(10) any @ 4%
(13)
(7+11) (6+8) (6+11)
(7+8)

25 - - 23,558 2,59,604 15,75,000 - - 4,573 11,89,120 - 81,345 15,21,844 - - 15,75,000 18,07,465

26 - - 23,558 2,36,046 15,75,000 - - 4,573 12,22,129 - 81,345 15,57,625 - - 15,75,000 18,29,498

27 - - 23,558 2,87,487 15,75,000 - - 4,573 12,43,913 - 81,345 15,79,132 - - 15,75,000 18,53,057

28 - - 23,558 2,63,929 15,75,000 - - 4,573 12,80,387 - 81,345 16,16,299 - - 15,75,000 18,78,416

29 - - 23,558 2,40,371 15,75,000 - - 4,573 12,92,928 - 81,345 16,30,364 - - 15,75,000 19,05,577

30 - - 23,558 2,16,813 15,75,000 - - 4,573 13,17,110 - 81,345 16,56,902 - - 15,75,000 19,34,679

31 - - 23,558 1,93,255 15,75,000 - - 4,573 13,56,119 - 81,345 16,99,376 - - 15,96,827 19,65,997

32 - - 23,558 1,69,697 15,75,000 - - 4,573 13,71,197 - 81,345 17,19,303 - - 16,25,235 19,99,533

33 - - 23,558 1,46,138 15,75,000 - - 4,573 14,12,049 - 81,345 17,66,115 - - 16,54,752 20,35,425

34 - - 23,558 1,22,580 15,75,000 - - 4,573 14,40,014 - 81,345 18,01,424 - - 16,85,516 20,73,949

35 - - 23,558 99,022 15,75,000 - - 4,573 14,86,867 - 81,345 18,61,165 - - 17,17,251 21,15,384

36 - - 23,558 75,464 15,75,000 - - 4,573 15,17,465 - 81,345 19,02,572 - - 17,50,094 21,59,867

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 5 of 11
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

Guaranteed Benefits Non-Guaranteed Benefits@ 4% p.a
p.a Guaranteed Benefit

Maturity Benefit Death Benefit

Single / Total
Policy Annualized Total
Surrender Surrender Total Total Death
Year Premium Total
Guaranteed Survival Surrender Death Maturity Reversionary Cash Reversionary Cash Benefit, Maturity Benefit incl Total Death
Benefit Bonus Benefit, incl incl
Maturity Benefit, incl of Benefit incl
(1) Additions. Benefit Benefit Benefit Bonus Terminal Bonus Bonus Benefit,incl Terminal
Terminal Terminal of Terminal
(2) Bonus Terminal
(3) (5) (6) (7) (8) (11) (12) Bonus Bonus, if Bonus if any Bonus if any
(4) (9) Bonus, if any @ 8% @ 4% @ 8%
(10) any @ 4%
(13)
(7+11) (6+8) (6+11)
(7+8)

37 - - 23,558 1,26,906 15,75,000 - - 4,573 15,51,888 - 81,345 19,49,744 - - 17,84,322 22,07,399

38 - - 23,558 1,03,348 15,75,000 - - 4,573 15,84,606 - 81,345 19,97,151 - - 18,19,659 22,58,534

39 - - 23,558 79,789 15,75,000 - - 4,573 16,21,800 - 81,345 20,51,390 - - 18,56,382 23,13,411

40 - - 23,558 56,231 15,75,000 - - 4,573 16,70,635 - 81,345 21,19,765 - - 18,94,491 23,72,307

41 - - 23,558 32,673 15,75,000 - - 4,573 16,96,369 - 81,345 21,67,809 - - 19,33,847 24,35,498

42 - - 23,558 9,115 15,75,000 - - 4,573 17,47,975 - 81,345 22,44,775 - - 19,74,866 25,03,401

43 - - 23,558 - 15,75,000 - - 4,573 17,90,241 - 81,345 23,15,588 - - 20,17,271 25,76,154

44 - - 23,558 - 15,75,000 - - 4,573 18,38,425 - 81,345 24,01,742 - - 20,61,200 26,54,312

45 - - 23,558 - 15,75,000 - - 4,573 18,94,826 - 81,345 24,94,589 - - 21,06,792 27,38,151

46 - - 23,558 - 15,75,000 - - 4,573 19,41,706 - 81,345 25,82,212 - - 21,54,047 28,28,226

47 - - 23,558 - 15,75,000 - - 4,573 19,90,666 - 81,345 26,76,486 - - 22,02,965 29,24,815

48 - - 23,558 - 15,75,000 - - 4,573 20,51,584 - 81,345 27,87,708 - - 22,53,823 30,28,748

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 6 of 11
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

Guaranteed Benefits Non-Guaranteed Benefits@ 4% p.a
p.a Guaranteed Benefit

Maturity Benefit Death Benefit

Single / Total
Policy Annualized Total
Surrender Surrender Total Total Death
Year Premium Survival Cash Total Maturity Benefit incl Total Death
Guaranteed Surrender Death Maturity Reversionary Reversionary Cash Benefit,
Benefit Bonus Benefit, incl incl
Maturity Benefit, incl of Benefit incl
(1) Additions. Benefit Benefit Benefit Bonus Terminal Bonus Bonus Benefit,incl Terminal
Terminal Terminal of Terminal
(2) Bonus Terminal
(3) (5) (6) (7) (8) (11) (12) Bonus Bonus, if Bonus if any Bonus if any
(4) (9) Bonus, if any @ 8% @ 4% @ 8%
(10) any @ 4%
(13)
(7+11) (6+8) (6+11)
(7+8)

49 - - 23,558 - 15,75,000 - - 4,573 21,03,911 - 81,345 28,95,882 - - 23,06,482 31,40,164

50 - - 23,558 - 15,75,000 - - 4,573 21,57,804 - 81,345 30,11,719 - - 23,61,082 32,59,757

51 - - 23,558 - 15,75,000 - - 4,573 22,13,540 - 81,345 31,35,635 - - 24,17,621 33,88,357

52 - - 23,558 - 15,75,000 - - 4,573 22,71,355 - 81,345 32,68,835 - - 24,76,378 35,26,380

53 - - 23,558 - 15,75,000 - - 4,573 23,53,877 - 81,345 34,45,868 - - 25,37,214 36,74,519

54 - - 23,558 - 15,75,000 - - 4,573 24,16,210 - 81,345 36,00,493 - - 26,00,266 38,33,745

55 - - 23,558 - 15,75,000 - - 4,573 24,94,894 - 81,345 37,80,477 - - 26,65,675 40,04,749

56 - - 23,558 - 15,75,000 - - 4,573 25,61,702 - 81,345 39,58,563 - - 27,33,439 41,88,503

57 - - 23,558 - 15,75,000 - - 4,573 26,30,769 - 81,345 41,49,579 - - 28,03,698 43,85,838

58 - - 23,558 - 15,75,000 - - 4,573 27,16,230 - 81,345 43,68,628 - - 28,76,590 45,97,861

59 - - 23,558 - 15,75,000 - - 4,573 27,79,795 - 81,345 45,78,254 - - 29,52,115 48,25,544

60 - - 23,558 - 15,75,000 - - 4,573 28,70,425 - 81,345 48,28,664 - - 30,30,550 50,70,272

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 7 of 11
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

Guaranteed Benefits Non-Guaranteed Benefits@ 4% p.a
p.a Guaranteed Benefit

Maturity Benefit Death Benefit

Single / Total
Policy Annualized Total
Surrender Surrender Total Total Death
Year Premium Survival Cash Total Maturity Benefit incl Total Death
Guaranteed Surrender Death Maturity Reversionary Reversionary Cash Benefit,
Benefit Bonus Benefit, incl incl
Maturity Benefit, incl of Benefit incl
(1) Additions. Benefit Benefit Benefit Bonus Terminal Bonus Bonus Benefit,incl Terminal
Terminal Terminal of Terminal
(2) Bonus Terminal
(3) (5) (6) (7) (8) (11) (12) Bonus Bonus, if Bonus if any Bonus if any
(4) (9) Bonus, if any @ 8% @ 4% @ 8%
(10) any @ 4%
(13)
(7+11) (6+8) (6+11)
(7+8)

61 - - 23,558 - 15,75,000 - - 4,573 29,50,107 - 81,345 50,82,815 - - 31,11,756 53,33,292

62 - - 23,558 - 15,75,000 - - 4,573 30,35,928 - 81,345 53,59,041 - - 31,95,873 56,15,851

63 - - 23,558 - 15,75,000 - - 4,573 31,65,678 - 81,345 57,22,849 - - 32,83,176 59,19,613

64 - - 23,558 - 15,75,000 - - 4,573 32,44,473 - 81,345 60,30,574 - - 33,73,806 62,45,963

65 - - 23,558 - 15,75,000 - - 4,573 33,50,749 - 81,345 63,86,150 - - 34,67,623 65,96,842

66 - - 23,558 - 15,75,000 - - 4,573 34,50,192 - 81,345 67,57,067 - - 35,65,043 69,74,050

67 - - 23,558 - 15,75,000 - - 4,573 35,52,628 - 81,345 71,54,950 - - 36,65,927 73,79,527

68 - - 23,558 - 15,75,000 - - 4,573 36,69,851 - 81,345 75,93,534 - - 37,70,692 78,15,631

69 - - 23,558 - 15,75,000 - - 4,573 37,66,190 - 81,345 80,39,227 - - 38,79,198 82,84,438

70 - - 23,558 - 15,75,000 - - 4,573 38,80,128 - 81,345 85,33,145 - - 39,91,723 87,88,583

71 - - 23,558 - 15,75,000 - - 4,573 39,98,266 - 81,345 90,63,966 - - 41,08,544 93,30,837

72 - - 23,558 - 15,75,000 - - 4,573 41,60,568 - 81,345 97,31,383 - - 42,29,661 99,14,110

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 8 of 11
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

Guaranteed Benefits Non-Guaranteed Benefits@ 4% p.a
p.a Guaranteed Benefit

Maturity Benefit Death Benefit

Single / Total
Policy Annualized Total
Surrender Surrender Total Total Death
Year Premium Survival Cash Total Maturity Benefit incl Total Death
Guaranteed Surrender Death Maturity Reversionary Reversionary Cash Benefit,
Benefit Bonus Benefit, incl incl
Maturity Benefit, incl of Benefit incl
(1) Additions. Benefit Benefit Benefit Bonus Terminal Bonus Bonus Benefit,incl Terminal
Terminal Terminal of Terminal
(2) Bonus Terminal
(3) (5) (6) (7) (8) (11) (12) Bonus Bonus, if Bonus if any Bonus if any
(4) (9) Bonus, if any @ 8% @ 4% @ 8%
(10) any @ 4%
(13)
(7+11) (6+8) (6+11)
(7+8)

73 - - 23,558 - 15,75,000 - - 4,573 42,99,215 - 81,345 1,03,61,842 - - 43,55,351 1,05,41,727

74 - - 23,558 - 15,75,000 - - 4,573 44,31,764 - 81,345 1,10,28,469 - - 44,85,613 1,12,16,877

75 - - 23,558 - 15,75,000 - - 4,573 45,69,302 - 81,345 1,17,45,538 - - 46,20,865 1,19,43,439

76 - - 23,558 - 15,75,000 - - 4,573 47,11,690 - 81,345 1,25,16,791 - - 47,61,105 1,27,25,570

77 - - 23,558 - 15,75,000 - - 4,573 48,59,248 - 81,345 1,33,46,704 - - 49,06,750 1,35,67,428

78 - - 23,558 - 15,75,000 - - 4,573 50,25,929 - 81,345 1,42,53,666 - - 50,57,800 1,44,73,864

79 - - 23,558 - 15,75,000 - - 4,573 51,84,198 - 81,345 1,52,14,853 - - 52,14,670 1,54,50,004

80 - - 23,558 - 15,75,000 - - 4,573 53,47,817 - 81,345 1,62,49,293 - - 53,77,498 1,65,01,391

81 - - 23,558 - 15,75,000 - - 4,573 55,84,368 - 81,345 1,75,51,367 - - 55,46,424 1,76,34,262

82 - - 23,558 - 15,75,000 - - 4,573 57,64,547 - 81,345 1,87,66,304 - - 57,22,002 1,88,55,130

83 - - 23,558 - 15,75,000 - - 4,573 59,75,101 - 81,345 2,00,99,197 - - 59,04,370 2,01,71,201

84 - - 23,558 - 15,75,000 - - 4,573 62,05,112 - 81,345 2,15,46,473 - - 60,93,805 2,15,90,234

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 9 of 11
 Illustration summary over the duration of the policy

Non-Guaranteed Benefits@ 8% Total Benefits including Guaranteed and Non-

Guaranteed Benefits Non-Guaranteed Benefits@ 4% p.a
p.a Guaranteed Benefit

Maturity Benefit Death Benefit

Single / Total
Policy Annualized Total
Surrender Surrender Total Total Death
Year Premium Survival Cash Total Maturity Benefit incl Total Death
Guaranteed Surrender Death Maturity Reversionary Reversionary Cash Benefit,
Benefit Bonus Benefit, incl incl
Maturity Benefit, incl of Benefit incl
(1) Additions. Benefit Benefit Benefit Bonus Terminal Bonus Bonus Benefit,incl Terminal
Terminal Terminal of Terminal
(2) Bonus Terminal
(3) (5) (6) (7) (8) (11) (12) Bonus Bonus, if Bonus if any Bonus if any
(4) (9) Bonus, if any @ 8% @ 4% @ 8%
(10) any @ 4%
(13)
(7+11) (6+8) (6+11)
(7+8)

85 - - 23,558 - 15,75,000 - - 4,573 64,42,731 - 81,345 2,31,04,597 - - 62,90,724 2,31,20,961

86 - - 23,558 - 15,75,000 13,85,775 - 4,573 - - 81,345 - 65,72,731 2,46,39,080 64,95,541 2,47,72,805

Notes: Annualized Premium excludes underwriting extra premium, frequency loadings on premiums, the premiums paid towards the riders, if any and Goods & Services Tax.

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 10 of 11
 Explanation & Information
1. This benefit illustration explains the benefits and features of the proposed policy and is not a contract of insurance.
2. The above illustrated benefits are assumed to occur at the end of policy year.
3. The illustrated values based on the assumption of 4% and 8% gross investment returns per annum are not guaranteed and are for illustration purpose only.
4. The illustration is applicable only for a Standard Life(from medical,lifestyle and occupational point of view).
5. Some benefits are guaranteed and some are variable with returns based on the future performance of the insurance company. If your policy offers guaranteed returns then these will be
clearly marked as ""guaranteed"" in the illustration table. If your policy offers variable returns then the illustrations will show two different rates of assumed future investment returns. These
assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including
future investment returns.
6. Guaranteed Benefit is the Guaranteed Annual Income, as illustrated in column (4), payable from the end of 2nd policy year until maturity or death, whichever is earlier. Non Guaranteed
benefits include Cash Bonus, and terminal bonus. Cash bonus, as illustrated in column (9) and column (12) for 4% and 8% gross investment returns per annum respectively, are payable every
year, starting from end of {Premium Paying Term + 1} year until maturity or death, whichever is earlier. Terminal Bonus, as applicable, will be is paid on maturity or death, whichever is
earlier.
7. Guaranteed Surrender benefit in (5) is net of any due guaranteed payout payable at the end of policy year.
8. The policy can be surrendered by the policyholder at any time, provided atleast two (2) full years' premiums have been paid. The minimum guaranteed surrender value(GSV) under the policy
is a percentage of all premiums paid till date.The Company may allow surrender values at such other rates not less than the Guaranteed Surrender Value. The Surrender Value receivable,will
be the higher of the Guaranteed Surrender Value (GSV) and the Special Surrender Value (SSV).The Total Surrender Value receivable at 4% and 8% gross investment returns per annum is
illustrated in column (10) and column (13) respectively.The amounts are net of any guaranteed/ non-guaranteed payouts due to be paid at the end of the policy year. The policy will
terminate on the Date of Surrender.
9. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
10. Tax benefits are as per the current tax legislations and are subject to change in tax laws. Neither the company nor its agents can offer legal or tax advice.
11. Bharti AXA Life Insurance Company Ltd. is the name of the Insurance Company and Bharti AXA Life Unnati is the name of the product and does not in any way indicate the quality of the
contract, its future prospects or returns.
12. Goods & Services Tax would be payable as per applicable tax laws

Declaration by Advisor / Sales Person Declaration by Proposer

I, ............ ...... ............ ... (name), have explained the premiums, and benefits under the I, manvindar kaur, having received the information with respect to the above, have
product fully to the prospect / policyholder. understood the above statement before entering into the contract.

Place:
Date: Signature of Agent/ Intermediary/ Official Date: Signature of Prospect / Policyholder

Name of the Proposer: Manvindar Kaur Signature of the Proposer:

Registered address- Unit No. 1902, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Behind MCA Ground, Bandra East, Mumbai -400051, Maharashtra
Service Unit address- Bharti AXA Life Insurance Company Limited, Spectrum tower, 3rd Floor,Malad link road, Malad (west), Mumbai 400064. Maharashtra
IRDA Regn no.-130. Website: www.bhartiaxa.com
Page: 11 of 11