Q1 - Bharti AXA Life Insurance

3) Expense :1. Life- Participating policiesi) Individual Business Premium % Per Policy (INR)1st year: 11% to 22%p.a. ,2 to 5 year : 0 to 2.2%p.a.(either for entire term orspecified number of years)6 to 15 year :0 to 2.2%p.a.16+ year : 0 to 2.2% p.a.Maintenance :542 p.a(Increasing with inflation at 5% p.a. at the start ofeach calendar year)2. Pension- Participating policies1st year: 22% p.a. ,2+ year : 2.2% p.a.Maintenance :542 p.a(Increasing with inflation at 5% p.a. at the start ofeach calendar year)3. Life- Non-participating PoliciesTargeted to mass market1st year: 11% to 33% p.a. ,2nd year :0% to 2.2% p.a.(either for entire term orspecified number of years)Maintenance: 265 to 542 p.a(Increasing with inflation at 5% p.a. at the start ofeach calendar year)Targeted to Rural Market2nd year+: NilMaintenance 39.4 p.a.(Increasing with inflation at 5% p.a. at the start ofeach calendar year)Micro Insurance type3. Annuities- Participating policies NA NA4. Annuities – Non-participating policies NAMaintenance 441 p.a.(Increasing with inflation at 5% p.a. at the start ofeach calendar year)5. Annuities- Individual Pension Plan NA NA6. Unit LinkedUnit Linked (Non Pension -- Normal Underwriting)Regular PremiumMaintenance:1st year:3.3% to 22% p.a. , Fixed expense of 774 p.a.2 to 3rd year :0 to 2.2% (Increasing with inflation at 5% p.a. at the start ofp.a.each calendar year)3+ year: 0%Investment expense (% of Unit Fund) : Varies from0.3% p.a. to 0.425% p.a.Unit Linked (Non Pension -- Simplified Underwriting)1 st year: 11% p.a. ,2nd - 5th year : 2.2%p.a.(either for entire term orspecified number of years)6th year onwards: Variesfrom 0% to 1.1% p.a.Maintenance:Fixed expense of 774 p.a.(Increasing with inflation at 5% p.a. at the start ofeach calendar year)Investment expense (% of Unit Fund) : Varies from0.3% to 0.425%.Unit Linked (Pension)Regular Premium1st year :11% p.a.2nd year+: 0%Maintenance :Fixed expense of 774 p.a.(Increasing with inflation at 5% p.a. at the start ofeach calendar year)Investment expense (% of Unit Fund) : 0.425%p.a.7 Health Insurance1 st year+: 22%2nd - 3 rd year: 0% to2.2%3+ year: 0%Maintenance :Fixed expense of 160 p.a.(Increasing with inflation at 5% p.a. at the start ofeach calendar year)ii ) Group BusinessTargeted to mass market8 Social SectorMicro Insurance2nd year+: 0.25% p.a1st year: 18% p.a.2nd year :0%Maintenance:Varies betweeen 0 p.a. to 9.25 p.a.(Increasing with inflation at 5% p.a. at the start ofeach calendar year)