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The spouse cover can be discontinued at any time. Once excluded, the spouse cannot be included in thepolicy again. On first death of the primary life assured, the policy will vest in the spouse and the spouse has to pay theregular premium under the policy.Option to make lump sum investment You can make lump sum investments at any time except in the last five policy years, by payingunlimited top up premiums to enhance your fund value. The minimum top up premium is ` 5,000. The amount of top up premium paid by you would determine the top up sum assured on your life. Onpayment of top up premium, you have to choose the top up sum assured as per the following tabledepending upon your age:Current AgeLess than 45 yearsGreater than or equal to 45 yearsTop-Up Sum Assured Multiplier1.25 to 20 times1.1 to 20 times(The default choice is 1.25 times for current ages less than 45 years & 1.1 times for other ages) Each top up premium paid by you will have a lock-in period of 5 (five) years and the lock in would applyfrom the date of payment of each top up premium. The company reserves the right not to accept top up premiums at any time and also to call upon andrequest for any information/ documentation to verify the good health of the life assured and may requirethe life assured to undergo any medical examination for this purpose and may refuse to accept the top uppremium under the plan. No top up premium is allowed after death of the primary life assured in case of joint life policy.Settlement Options You will have the option to receive the maturity benefit in installments (payable yearly, half yearly,quarterly or monthly, at the option of the policyholder) spread over a maximum period of 5 years. Under both the plan variant, the maturity benefit will be invested among the fund/s, mentioned underthe plan variant <strong>Bajaj</strong> <strong>Allianz</strong> Life Assure Plan-More, as per your choice. By default, it will be invested intothe Asset Allocation Fund only. The amount paid out to the policyholder in each installment will be the outstanding fund value as at thatinstallment date divided by the number of outstanding installments. Installment payment will be made by redeeming units from the funds at the unit price applicable on theinstallment date. Investment risk during the settlement period as well will be borne by the policyholder.
No risk cover or additional rider benefit cover will be available during the period of the settlement option. All applicable charges except the mortality charge and rider premium charge, if any, shall be deductedduring the period of the settlement option. No partial withdrawals are allowed during the subsistence of the period of the settlement option. Alternatively, you will have an option to withdraw the fund value completely, at anytime during theperiod of settlement option. The fund value will be calculated as the total number of outstanding units inthe policy multiplied by the unit price as on date of complete withdrawalAlteration of premium payment frequency At any policy anniversary, you can opt to alter your regular premium payment frequency to any othermode (i.e., yearly, half-yearly, quarterly or monthly), subject to minimum premium limits under the plan.The monthly mode is permitted only by salary deduction or ECS. Miscellaneous charge, as mentioned inthe Table of Charges given below, will be applicable for the option.Premium frequency Monthly Quarterly Half yearly YearlyFrequency Factor (freq) 1/12 1/4 1/2 1Option to decrease the sum assuredYou have an option to reduce your regular premium sum assured to the level of 115% of the regularpremium paid subject to the minimum allowed under the product. Such reduction shall be allowed at apolicy anniversary only.The spouse cover and the rider cover will also be correspondingly reduced to keep them equal to or lowerthan the base sum assured. The rider premium for any outstanding premium paying term would bebased on the reduced sum assured, and the original rider premium rate.You also have a choice to reduce your top up sum assured based on your current age:AgeLess than 45 yearsGreater than or equal to 45 yearsTop-Up Sum Assured Multiplier1.25 times1.1 times Miscellaneous charge, as mentioned in the Table of Charges given below, will be applicable for thisoption.Partial Withdrawal Option You have the option to make unlimited number of partial withdrawals, anytime after the fifth policy yearsubject to: The minimum amount of partial withdrawal is ` 5,000. The regular premium fund value should not fall below three (3) times of the annualised premium after apartial withdrawal.
Page 2 and 3: Lehrbrief für Fußball-Schiedsrich
Page 4: II) Accelerator Mid-Cap Fund II- Ri
Page 7 and 8: You will not have the option to swi
Page 9 and 10: Death BenefitIn case of a single li
Page 11: Computation of NAVThe NAV of the Fu
Page 17 and 18: ForeclosureIf, after five (5) polic
Page 19 and 20: What are the Charges under the Plan
Page 21 and 22: All benefits payable under the Poli

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