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OPPORTUNITY DOESN’T COME KNOCKING TWICE. INVEST TODAY FOR A BETTER TOMORROW!

In this policy, the investment risk in the investment portfolio is borne by the Policyholder. The linked Insurance Products do not offer any liquidity during the first five years of the contract. The Policyholder will not be able to surrender/withdraw the monies invested in linked Insurance Products completely or partially till the end of the fifth year.

Living in the moment is fun, but Life Protection and Financial stability are necessary. Financially securing your future doesn’t mean you can’t enjoy the present moment. All you have to do is strike the perfect balance between instant gratification and future planning.

Presenting AVIVA Life Insurance Signature Investment GenX SinglePremium Plan that helps you save in a systematic manner for your future but also ensures that your loved ones are taken care of in case of an unfortunate incident.

This Investment Plan is designed to help you tackle life’s challenges. AVIVA Signature Investment Plan provides a perfect formula for building and sustaining wealth, along with ensuring protection for your family from an unfortunate incident.

A plan that will help you take CARE of your family, stay COMMITTED to your Investment goals and face the future with CONFIDENCE.

Life Insurance

CHOOSE YOUR INVESTMENT FUNDS:

PLAN’S FUNDS- PAST RETURNS:

1. DEATH BENEFITS - If all due premiums are

paid: Signature GenX Option:

Death benefit payable shall be:

a. Highest of:

i. Sum assured or

ii. Fund value pertaining to Single Premium

iii. 105 percent of the total premiums received up to date

of death, and

b. Highest of:

i. Top–up sum assured or

ii. Fund value pertaining to top-up premiums or

iii. 105 percent of top-up premiums received upto date of

death, if any

2. DEATH BENEFIT: If a policy becomes a Paid-

Up policy, Signature GenX Option:

Death Benefits shall be:

a. Highest of:

i. Paid-up sum assured or

ii. Fund value pertaining to Regular/Single Premium or

iii. 105 percent of the total premiums received up to date of death, and

b. Highest of:

i. Top–up sum assured or

ii. Fund value pertaining to top-up premiums or

iii. 105 percent of top-up premiums received up to date of death, if any

LET US SEE HOW THIS WOULD WORK:

Example 1: A 40-year-old businessman opts for Signature GenX with a Single Premium of Rs. 2 Cr. wishing to create a stream of income for self and create a trust fund for his grandchild.

Example 2: A 40-year-old businessman opts for Signature GenX with Single Premium of Rs. 1 Cr. wishing to create a source of retirement income and a corpus at maturity.

SAMPLE ILLUSTRATIONS:

General Insurance

HIGHLIGHTS OF THE FEATURES: KEY FEATURES:

? Room Category Flexibility with no Proportionate Deduction - Avail treatment in a room category higher than your eligibility & get charged only for the additional difference.

? Simplistic On-boarding - No Mandatory pre-policy medical checkup.

? Premium Management Tools - Premium Management Tools such as capping on the limit of room & option to choose from wide range of deductible options.

? Coverage From 91st Day* for PED Cover - A Plan that gives you flexibility with lower waiting periods and provides coverage for PED conditions.

? Enhanced Control - A Plan with provision for coverage without Co- Payments and Sub Limits even for higher ages.

*Optional cover on payment of additional premium

With Manipal Cigna Prime Senior, Your Care and Cigna Expertise come together to insure your Parents:

KEY FEATURES:

General Insurance

Please Note! All above premiums are inclusive of GST and include a 20% co-pay

Mutual Fund

Mutual Fund schemes like Balanced Advantage Funds and Multi-Asset Allocation Funds can give exposure to an investor to multiple asset classes in a single plan. Investors wanting to manage equity and debt in the portfolio dynamically will prefer a Balanced Advantage Fund. Investors wishing to maintain a constant allocation to equity, debt, and gold will choose a Multi- Asset Allocation Fund.

WHAT IS A BALANCED ADVANTAGE FUND?

As per SEBI categorisation of mutual funds, a Balanced Advantage Fund dynamically manages its investment in Equity/Debt. It is an open-ended Dynamic Asset Allocation Fund. SEBI has categorised Balanced Advantage Funds under the broader category of hybrid schemes. In a Balanced Advantage Fund, the fund manager actively manages the equity and debt component of the fund based on specific criteria. The criteria can include parameters like:

1. Price to earnings (P/E) ratio or

2. Price to book (P/B) ratio or

3. Combination of the above or other parameters

SEBI has not specified any minimum exposure to equity and debt. Hence, the fund manager can choose to invest up to 100% in either equities or debt. The asset class mix depends on the market opportunity.

Depending on the debt allocation, these funds fall lesser than diversified equity funds during market falls. This is because the equity portion offers growth potential, while the debt portion offers downside protection and lends stability to the fund’s performance.

HOW DOES A BALANCED ADVANTAGE FUND WORK?

A Balanced Advantage Fund works by dynamically managing the investment in equity and fixed-income instruments based on market valuations. When the equity market goes up, the proportion of the equity component will go up. Based on parameters such as price to earning (P/E) ratio or price to book (P/B) ratio or others, the fund manager may feel the equity market is overvalued. During such times, the fund manager reduces the equity component and increases the debt portion. Dynamic re-balancing protects investor returns in the event of a market fall. When the equity market actually falls, the fund manager can do the re-balancing again by reducing the debt component and increasing the equity component once.

WHAT IS A MULTI-ASSET ALLOCATION FUND?

As per SEBI categorisation of mutual funds, a Multi-Asset Allocation Fund invests in at least three asset classes with a minimum asset allocation of at least 10% each in all three asset classes. It is an open-ended scheme investing in three asset classes: Equity, Debt, Gold, etc.

SEBI has categorised Multi-Asset Allocation Funds under the broader category of hybrid plans.

A Multi-Asset Allocation Fund offers much-needed diversification to an investor’s portfolio.

Disclaimer: Bajaj Capital Limited (‘BCL’) has taken due care and caution in presenting the factually correct data contained herein above. While BCL has made every effort to ensure that the information/data being provided is accurate. BCL does not guarantee the accuracy, adequacy or completeness of any data/information in the publication, and the same is meant for the use of the recipient and not for circulation. Readers are advised to satisfy themselves about the merits and details of each investment scheme before taking any investment decision. BCL shall not be held liable for any consequences, legal or otherwise, arising out of the use of any such information/ data and further states that it has no financial liability whatsoever to the recipient/ readers of this publication. Neither BCL nor any of its directors/ employees/ representatives accept any liability for any direct or consequential loss arising from the use of data/ information contained in the publication or any information/ data generated from the publication. Nothing contained in this publication shall constitute or be deemed to constitute a recommendation or an invitation, or a solicitation for any product or service. Any dispute arising in future shall be subject to the Court(S) at Delhi. Views given in the articles are the personal views of the contributors and not that of the company. Readers are advised to go through the respective product brochure/ offer documents before making any investment decisions.

Disclaimer: The rates of interest are applicable as on the data mentioned herein above. The rate may be revised at the sole discretion of the respective companies inviting the Fixed Deposits without further notice. Printed by, Rajiv Wadehra, Published By, Raji Wadehra on behalf of Bajaj Capital Investment Centre Limited, Bajaj House, 97 Nehru Place, New Delhi - 110019, and Printed at Sundeep press C-105/2, Naraina, Industrial Area Phase - New Delhi - 110028, and Published at Bajaj House,97 Nehru Place, New Delhi - 110019, Editor-Rajiv Wadehra (CIN: U0000DL1988PLC039417)