The commission payable under this product is subject to limits set under IRDA (Non-Linked Insurance Products), Regulations, 2013, which is as mentioned below:

1. The illustration above explains the benefits and features of the proposed policy.As this is a Non-Linked Non-Participating plan, where all benefits are guaranteed, rate of return is not applicable.
2. The policy will be issued to Life Assured with standard age proof only
3. Goods and Services Tax is levied on the premiums as per applicable tax laws and the same is subject to changes in the tax laws in future. Currently the rate applicable is 4.50% on the first year premium and 2.25% on premiums paid from second year.
4. No benefit is payable on death of the Life Assured.
5. No riders are offered under this plan
6. Critical Illness benefit will be paid provided the critical illness/ angioplasty is diagnosed after waiting period of 90 days from date of commencement of policy/ revival date and subject to the Life Assured surviving a period of 30 days (survival period) from date of diagnosis. However, in case of revival of Reduced paid-up policy, paid-up sum assured will be paid if the Life Assured is diagnosed during the waiting period of 90 days from date of revival and subject to the Life Assured surviving a period of 30 days (survival period) from date of diagnosis. Full cover will be restored after completion of the waiting period.
7. The premium rates once applied shall be guaranteed for first five policy years. After completion of five policy year,the premium rates may be revised, subject to prior IRDAI approval
8. Surrender Value payable would be higher of "Guaranteed Surrender Value (GSV)" and "Special Surrender Value (SSV)". Special Surrender Value is calculated according to the basis and method in use from time to time.
9. In addition to the 40 Critical Illnesses, the plan also provides an additional cover for Angioplasty, provided the Life Assured has not claimed any of the benefits for the 40 Critical Illnesses. When the Life Assured undergoes Angioplasty , 25% of the Sum Assured subject to maximum of INR 10 Lacs will be paid and the cover for Angioplasty ceases. However, the policyholder shall continue paying future premiums and policy will continue to cover the 40 critical illnesess with 100% Sum Assured even after the claim on angioplasty.
10. The proposal deposit receipt given in respect of the consideration amount paid to the company does not bind the company to accept the risk on the life of the Life Assured under the proposal for insurance. The above premium is for a healthy individual and would be subject to underwriting. The premium rate charged to the Life Assured may be different depening upon the factors such as health and occupation. Further, any extra premiums charged are subject to underwriting of proposal, and may change based on the Board approved underwriting policy.
11. Please consult your tax advisor for details about the tax benefits
12. SUD Life Insurance Company Limited is only the name of the Insurance Company and SUD Life AAROGYAM is only the name of the product and does not in any way indicate the quality of the product, its future prospects or returns.
13. The purpose of this Benefit Illustration is only to provide a general overview about this policy. The information herein is indicative of the terms, conditions, warranties and exceptions contained in the policy terms and conditions of SUD Life AAROGYAM. Please read this benefit illustration in conjunction with the product brochure, policy Terms and Conditions to understand the Terms & Conditions carefully before concluding the sale.
14. In case you require any clarification, please consult your insurance advisor or call our office.

I .............................................. (Name), having received the information with respect to the above, have understood the above statement before entering into the contract.

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