This document discusses the SBI Life Unit Plus III Pension plan. The plan offers pension benefits without life cover and pays out on death, critical illness, or total permanent disability. It provides guaranteed additions, lower charges, and varied fund options. Customers can customize their plan with additional rider benefits like critical illness coverage and an income sustainer benefit. The plan targets customers looking to plan for retirement through a cost-effective investment that offers growth opportunities and flexibility.

1. Discover The Joy Of Living Long

2. Why Life Insurance ? Protection against loss of income In case of premature death For the financial security of the family Because the family depends on us! Absolutely essential to protect the family!

3. What if we live long? Protection against loss of income post retirement For the financial security of Self Can we depend on our family? Pension Plans are absolutely essential to be independent!

5. We’ll have to provide for a longer time due to increasing life expectancy

8. Base plan pays out on death or CI or TPD , whichever occurs first, to give succour to you and extend support your family in the unfortunate event

9. Guaranteed Additions, to boost your funds

10. Lower Charges – Allocation, Admin & FMC

11. Varied Fund Options : Index Pension Fund & Top 300 Pension Funds (New Funds)

12. Add On options : SBI Life Criti Care 13: Health Protection for the Customer SBI Life Income Sustainer Benefit : Customer & Family is Secured

13. Risk Return Options Optimize your returns with 8 Fund Options ! Equity Optimizer Pension Fund Index Pension Fund Equity Pension Fund New Fund Balanced Pension Fund Top 300 Pension Fund Money Market Pension Fund Growth Pension Fund Bond Pension Fund

15. Top-up (s) any time

16. Increase/Decrease in premium contribution

17. Flexibility to Prepone or Postpone the vesting age with in the permissible limits

18. Complete control your investments through the Switch option

23. Describe the features of SBI Life Unit Plus III Pension

24. Explain the Rider features

26. What It Means For The…… The Insurers For a term <= 10 yrs, IRR @ 6% & 10% returns should not be less than 3% & 7% respectively For a term > 10 yrs, IRR @ 6% & 10% returns should not be less than 3.75% & 7.75% respectively Reduce fund management charges. Reduce allocation charges Modify plan features to accordingly The Customers Pay lower charges for his / her insurance investment Accumulate more out of his investments Reach target fund values earlier Save in the most cost effective way Be aware of all aspects of the investments

27. Product Snapshot

28. Survival Benefit

30. Intimation should happens 3 months prior to the new vesting date

31. This option can be availed only once in the entire policy term

32. Rider Cover, if any, will cease at the new vesting age opted for

35. Rider Cover, if any, will cease at the previous vesting age and will not be extended

36. Death Benefit

38. Different Fund Options Index Pension Fund Equity Optimizer Pension Fund Equity Pension Fund Top 300 Pension Fund Growth Pension Fund Balanced Pension Fund Bond Pension Fund Money Market Pension Fund

40. Minimum switch amount is Rs 5000

42. Additional redirection facility is available at Rs 100 per request

44. Option is exercised maximum of 3 times during the policy term

45. Rider Premium and benefits are not allowed to change

46. Premium can be increased without any limit

47. Premium to be reduced maximum of 50% of the original premium at inception over the 3 occasions available for reduction

49. FMC and Policy Administration Charges continue to get deducted

50. No Top Up is allowedIf revival not done within 3 years from FUP , Surrender Value will be paid and policy will terminate Customer does not pay 2nd year premium Customer pays first year premium Revival Period – 3 years End of Year 4 Year 1 Year 2

52. All charges continue to get deductedPolicy goes into revival mode for 3 years from FUP If customer doesn’t revive, policy continues till FV reaches one AP or maturity whichever is earlier Customer Does not Pay 4th Renewal Customer pays first 3 years premium Revival Period – 3 years Year 1 Year 2 End of Year 6 Year 3 Year 4

54. Surrender Charges

55. Premium Allocation Charges Regular & Single Premium Top Up Allocation Charge is 2% of the top up amount

59. Rider Benefits

60. Rider Benefits

62. Rider Benefits can be taken only at the inception of policy

63. The rider benefit can be terminated by stopping the premium.

67. Coronary Artery Bypass Surgery

68. Heart Attack

69. Heart Valve Surgery

70. Kidney Failure

71. Major Burns

72. Major Organ Transplant

73. Paralysis

74. Stroke

75. Surgery of Aorta

76. Coma

77. Motor Neuron Disease

78. Multiple Sclerosis

79. 13 critical illnesses are covered under this rider

80. 90 days of waiting period applicable from DOC or date of revival

82. Rider Benefit payable either at Total Permanent Disability or death, whichever is earlier

83. 25% of benefit is paid on death or disability and 1% of rider benefit is paid in arrears monthly to the nominee/life assured

85. Analysis – Previous vs. Present

86. Analysis – Previous vs. Present

87. Analysis – Previous vs. Present

89. Base plan pays out on death or CI or TPD , whichever occurs first, to give succor to you and extend support your family in the unfortunate event

90. Guaranteed Additions to boost your funds

91. Lower Charges – Allocation, Admin & FMC

92. Varied Fund Options : Index Pension Fund & Top 300 Pension Funds (New Funds)

93. Add On options :

94. Criti Care 13: Health Protection for the Customer

96. Clients looking for high growth & control to boost their pensions

97. Charges savvy customers