IndiaFirst Young India Plan - Life Insurance

Example: At the age of 30, you choose to invest yourpremiums in an Equity 1 fund, which is prone to highreturns in the long term and high risk in the short term.Five years down the line, you have additionalresponsibilities and do not wish to take high risks withyour investments. You can change your investmentpreference by redirecting future premiums to otherDebt 1 or Balanced 1 funds which have low to moderaterisks in short term. You can continue to keep yourexisting investment in Equity 1.13. Are partial withdrawals allowed?Yes. You may access your money in case of anyemergency by withdrawing partially after the fifth planyear. However, you need to have paid all yourpremiums for the first 5 years.Are there any limits on partial withdrawals?MinimumwithdrawalMaximumwithdrawal` 5,000Up to 25% of the fund value only ifyour fund is left with a minimumbalance equal to 110% of your annualpremium after the withdrawal14. How can you protect your investmentsfrom market fluctuations?You can protect your investments from marketfluctuations by transferring your money to a ‘Liquid1’fund during the last three years of your plan. Areminder about this option will be sent to you prior tothe three years prior to the end of your plan term withfurther details about the same.How does the transfer of investments to theLiquid 1 fund actually happen?3% of your investment in each of the plan funds will beautomatically switched to the Liquid1 fund in each ofthe last 36 monthly anniversaries prior to maturity.Does the proportionate allocation of remainingfunds change on transfer to the Liquid 1 fund?No. When we transfer your funds to the Liquid1 fund,the ratio in which your remaining funds are allocateddoes not change.Example: You can withdraw up to ` 20,000 if you payan annual premium of ` 15,000 and have accumulateda fund value of ` 80,000 over a few years (25% of thefund value).There are no partial withdrawal charges applicable.How are funds deployed under the Liquid1 fund?Fund name What does the fund do? Asset allocation Risk profileEquityDebtMoneymarketLiquid1(SFIN: ULIF014010910LIQUID1FND143)Provides steady investment returns achieved through highinvestment in money market securities. There is a lowprobability of negative returns in the short term0% 0%to20%80%to100%Low6