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BY

Y.SRIKANTH

(1225110358)
RAHUL CHOWDARY

(1225510103)
P.B.KAVYA

(1225510102)
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½c Guarantees for the if in Life

Gc Your son¶s Education .
Gc Your Daughter¶s Marriage.
Gc Your Home loan.

Gc Your Retirement planning.

½c pnsurance protects the economical value of an asset.
Gc Human life is an income generating asset.
Gc Life pnsurance is the guaranteed fulfillment of your savings plan.
Gc pt provides tax benefits on premiums paid(Section-80(C) of income tax act.).

Gc Amount received through benefits & claim is tax free (Section 10(10)D of income tax
act.)

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jc 1912 - The pndian Life Assurance Companies Act passed as the first law to regulate the
life insurance business.

jc 1928 - The pndian pnsurance Companies Act passed to enable the government to collect
statistical information about both life and non-life insurance businesses.

jc 1938 - The pnsurance Act with the objective of protecting the interests of the insuring
public.

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jc harti AXA Life is a life insurance that was started in 2006.

jc harti Enterprises - one of pndia's leading business groups.

jc —artnered with world¶s biggest company ( Wal Mart).
jc pt brings together strong financial expertise of the —aris-headquartered AXA Group.
The joint venture has a 74% stake from harti and 26% stake from AXA Asia —acific Holdings
Ltd.
 jc Today, harti AXA Life has a national footprint of distributors trained to provide quality
financial advice and insurance solutions to the large pndian customer base.

jc harti AXA Life offers a range of innovative products and services that cater to specific
insurance and wealth management needs of customers.
jc The company launched national operations in December 2006. Today, company have
over 8000 employees across over 12 states in the country .

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jc To achieve a top 5 market position in pndia through a multi-distribution, multi-product
platform.

jc To adapt AXA's best practice blueprints as a sound platform for profitable growth.
jc To be the employer of choice to attract and retain the best talent in pndia.
jc To build long term value with our business partners by enhancing the plan to their
customers.
jc To be recognized as being close and qualified by our customers.

INDIVIDUAL PLANS

jc harti AXA right Stars

jc harti AXA Spot Suraksha
jc harti AXA Dream Life —ension
jc harti AXA Aspire Life
jc harti AXA pnvest Confident
jc harti AXA Wealth Confident
jc harti AXA Future Confident
jc harti AXA Future Confident pp
jc harti AXA Save Confident
jc harti AXA Secure Confident

Group Plans

jc harti AXA Mortgage Credit Shield

jc harti AXA Life Credit Shield
jc harti AXA Life Shield
jc harti AXA Swasthya Sanjeevani
jc harti AXA Sanjeevani
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Comprehensive financial protection to your loved ones - Sum Assured + Waiver of future
—remiums
Jumpstart enefit ± Up to 7% of average fund value during the policy term

The product is apt for you

jc pf you want a plan that would completely secure an important financial goal of your family (e.g.
child's education, marriage etc)
jc pf you are looking for a flexible investment plan that can adapt to your investment habits
jc R at are t e key features?
jc Choice of policy terms to suit your financial goals ± 7, 10, 15, 20 or 25 year term
jc 360 degree protection to your loved ones through comprehensive protection in case of
death
jc Jumpstart enefit (Special additions) up to 7% during the policy term to provide
enhanced value to your investments
jc Flexible options like partial withdrawal, premium holiday, decrease in premium, etc
jc áption to enhance protection with choice of riders
jc 12 free switches every policy year and 6 investment fund options
R at will I get back?
án Deat
You get the Sum Assured at the time of death. Additionally, harti AXA Life would pay all the
remaining future premiums till maturity
án Maturity
You receive the policy fund value
Alternatively, you can take the —olicy Fund Value at maturity in installments over the next 5
years (extended maturity period)
R ere can I invest my money?
You have the options of investing across 6 funds depending on your risk appetite and return
expectation and make use of the switch facility to change your asset allocation

R at are t e tax benefits?

You receive tax benefits for premiums paid and benefits received as per prevailing tax laws
under Section 80C and Section 10(10D) of the pncome Tax Act, 1961

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Systematically increases investments through Accumulator áption

Regular and single pay

jc A plan that lets you change your retirement age anytime as required.
jc A plan that gives you the flexibility to modify your premium as per your changing needs.
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jc R at are t e key features?
0c —ay regular premiums or one time lump sum premium
0c At inception, choose to systematically increase your premiums by 5 % or 8% each year with the
Accumulator áption
0c pncrease / decrease premiums any time after the 2nd year
0c Enhance your retirement wealth by paying unlimited top-up premiums after first year
0c Flexibility to change your retirement age any time
0c Get liquidity through partial withdrawals after the completion of 5 years
0c 12 free switches every policy year and 6 investment fund options
0c Special additions added to the fund at the end of 10th year and every 5 years thereafter
jc R at will I get back?
án maturity
0c You can take up to 1/3rd of your —olicy Fund Value as a tax-free lump sum amount (as per
prevailing tax laws), while the balance amount must be used to purchase an annuity, which will
provide regular income to you at your desired mode of frequency; or
0c You have the option to purchase an annuity product with the entire policy fund value
jc R ere can my money be invested?
You have the option to invest across any of our 6 investment fund options, ranging from high
end equity to short term debt to match all your requirements
jc R at are t e tax benefits?
You receive tax benefits under Section 80 CCC
Also one third of the maturity \ vesting benefit can be commuted tax-free under Section 10 (10A)

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jc You want a single investment option that takes care of all your goals
jc You are looking for a high life insurance cover for greater protection to your loved ones
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jc R at are t e key features?
0c A financial solution that provides complete, comprehensive protection to you and your family.
0c áption to choose life pnsurance enefit as:
!c Sum Assured or Fund Value, whichever is higher
!c Sum Assured PLUS Fund Value
0c Flexible options like partial withdrawal, additional investments through top-up, switching
between the investment funds and many more.
jc R at will I get back?
0c Guaranteed additions which return more than all your allocation charges:
!c àa) Get sum of premium allocation charges = 100% of your first year premium in the 15th policy
year
!c àb) Get 4% Simple pnterest per annum on —remium Allocation Charges on 20th policy year =
76% of First Year —remium.
0c Special additions of 3% of Average —olicy Fund Value starting from 25th policy year and every
5th year thereafter
0c —olicy Fund Value on maturity of your policy
jc R ere can I invest my money?
You have the option to invest across any of our 6 investment fund options, ranging from high
end equity to short term debt to match all your requirements and risk appetite
jc R at are t e tax benefits?
You can avail of the tax benefits on the premiums paid (upto Rs. 100,000) under Section 80C of
the pncome Tax Act and the benefits received under section 10(10D), as per the prevailing tax
laws of the pncome Tax Act, 1961.
jc @an I add any furt er protection along wit t is plan? à iders)
harti AXA Life Merit —lus EDGE gives you additional protection with the option to add any of
the 4 protection enhancers by paying a nominal fee:
0c Illness Benefit ider:
pncase you are diagnosed with any one of the six Critical pllnesses at any time during the term for
which the rider is in force, you will receive a lump sum amount equal to the Critical pllness
enefit Sum Assured as opted for by you.
0c Vccidental Deat and Disability Benefit ider:
pn the event of an unfortunate death of the pnsured due to an accident or in case of an accidental
disability, the Sum Assured under the Rider will be paid to the —olicyholder / Nominee.
0c „erm ider:
This option gives you the benefit of further enhancing your life insurance protection over and
above the protection you get in the plan chosen by you.
0c Raiver of Premium on @ritical Illness Benefit ider:
This is a unique option where, in case of a diagnosis of any one of the six Critical pllness, all
your future premiums will waived (funded by the company).
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A simple Life pnsurance product

áption to enhance protection with the addition of Riders

jc You want comprehensive protection for your loved ones

jc You want a single product that can take care of all your Life pnsurance needs
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jc R at is t e minimum and maximum Insurance cover t at I can opt
for in t is plan?
The minimum Sum Assured in this plan is Rs 5,00,000/. The maximum Sum Assured that you
can opt for in this plan is 24,99,999
jc R at are t e tax benefits?
You receive tax benefits under section 80C and 10(10D)
jc @an I add any furt er protection along wit t is plan? à iders)
harti AXA Life pnsurance gives you enhanced protection in this plan with the option to add any
of the 4 protection enhancers by paying a nominal amount towards this additional protection:
0c @ritical Illness Benefit ider:pn case you are diagnosed of any one of the six Critical pllnesses
at any time during the term for which the Rider is in force, you will receive a lump sum amount
equal to the Critical pllness enefit Sum Assured as opted by you
0c Vccidental Deat and Disability Benefit ider:pn the event of an unfortunate death of Life
pnsured due to an accident or an accidental disability, the Sum Assured under the Rider will be
paid to the —olicyholder / nominee.