• A financial protection mechanism designed to manage specified risks. • Provides financial support upon occurrence of insured events, subject to policy terms and conditions. • Governed by the Insurance Regulatory and Development Authority of India (IRDAI) and Reserve Bank of India (RBI).

• Life Insurance — Financial protection for dependents in case of unforeseen events. • Health Insurance — Covers medical expenses as per policy terms. • General Insurance — Covers assets such as property, vehicle, or travel etc. • Term Insurance — Life risk cover for a specified period. • Other plans — ULIPs, Endowment plans, and pension products (as per IRDAI norms).

• Risk Transfer — Transfers specified financial risks to the insurer. • Financial Protection — Provides defined coverage based on policy terms. • Premium-Based Coverage — Protection available upon payment of premium. • Policy Terms & Conditions Apply — Coverage governed strictly by contract. • Nomination & Documentation — Essential for claim settlement.

• Insurance coverage is subject to policy terms and exclusions. • Claim settlement is governed by contractual conditions. • Premiums vary based on age, risk profile, and coverage selected. • Tax benefits, if any, are subject to prevailing income tax laws.

• Regulated by IRDAI (Insurance Regulatory and Development Authority of India) and Reserve Bank of India (RBI). • Linked investment products (e.g., ULIPs) also fall under applicable regulatory norms.

Pure Risk Protection Primary Purpose: Provides financial protection to nominees in case of the insured’s death during the policy term. Key Features: • Life cover for a specified period • Fixed premium (subject to policy terms) • No maturity benefit in standard term plans • Higher coverage amount relative to premium (generally) • Simple structure focused on protection Considerations: • Coverage valid only during policy tenure • No savings or investment component (in standard term plans) • Claim settlement subject to policy terms Typically considered for: Consideration for income continuity, family protection, liability coverage. Insurance is the subject matter of solicitation. Please read the policy document carefully before purchasing. Benefits are subject to policy terms and conditions.

Insurance with Market-Linked Investment Component Primary Purpose: Provides life cover along with investment in market-linked funds. Key Features: • Dual component: Insurance + Investment • Premium allocated to market-linked funds (as chosen) • NAV-based valuation • Lock-in period as per prevailing regulations • Fund-switching options (subject to policy terms) Considerations: • Investment value subject to market risks • Charges and fees apply • Returns are not guaranteed • Suitable for long-term participation Typically considered for: Long-term orientation towards investing with insurance cover, disciplined investing with protection element. Insurance is the subject matter of solicitation. Please read the policy document carefully before purchasing. Benefits are subject to policy terms and conditions.

⬇️ Follow the flow 1️⃣ What is your primary need? • Financial protection for dependents • Protection against medical expenses • Risk coverage for assets • Long-term protection with investment element 2️⃣ Is income protection your priority? • Yes, I want financial support for my family in my absence  → Consider Term Insurance • I want protection with long-term market-linked participation 3️⃣ Are you comfortable with market-linked value fluctuations? • Yes, for long-term investment horizon → Consider ULIP • No, I prefer pure protection → Term Insurance may be evaluated 4️⃣ What is your time horizon? • Protection during earning years → Term Insurance • Long-term orientation towards investing (as per lock-in norms) → ULIP may be evaluated 5️⃣ Do you understand policy terms & charges? • Premium obligations • Policy exclusions • Charges (for ULIPs) • Lock-in requirements ➡️ Insurance selection should be based on suitability ➡️ Insurance is the subject matter of solicitation. Please read the policy document carefully before purchasing. ULIP investments are subject to market risks. Benefits are subject to policy terms and conditions.

• Insurance coverage is subject to policy terms and exclusions. • Claim settlement is governed by contractual conditions. • Premiums vary based on age, risk profile, and coverage selected. • Tax benefits, if any, are subject to prevailing income tax laws. Insurance is the subject matter of solicitation. Please read the policy document carefully before purchasing. Benefits are subject to policy terms and conditions.

Need-based assessment. Policy clarity. Regulation-aligned information. A structured and simple approach is followed to bring clarity to life insurance products. Access is provided to a range of life insurance policies across insurers, along with clear and easy-to-understand information on features, policy terms, and conditions. Services include policy issuance, documentation, premium-related processes, and service requests such as updates, changes, and renewals. A consistent and long-term approach towards maintaining life insurance coverage is encouraged. Disclosure : Life insurance products are distributed in association with insurers. All policy features, benefits, and terms are governed by the respective insurer. No guarantees or assurances are provided beyond those specified in the policy document. Disclaimer : Insurance is the subject matter of solicitation. Please read all policy-related documents carefully before purchasing.