Tata AIG Life Insurance Company Ltd. (Reg. No.

110), Registered & Corporate office: Delphi - B Wing, 2nd Floor, Orchard Avenue, Hiranandani Business Park, Powai, Mumbai - 400 076. Visit us at www.tata-aig-life.com or call toll-free on 1800-11-9966 [For MTNL/BSNL subscribers] Insurance is the subject matter of the solicitation.

Unique Reference Number: 110L095V01 Unique Reference Number - L&C/Advt 2010/Jul/201

L&C/Advt/2011/May/048 UIN -

PRBR00690

Suprem

Tata AIG Life Insurance InvestAssure Apex Supreme UIN: 110L095V01

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER The Oxford dictionary defines Apex as the "top or the highest point". Our new product brings this definition into your insurance plan. Presenting, Tata AIG Life Insurance InvestAssure Apex Supreme, a unique unit-linked life insurance plan that provides a platform ensuring the upside potential of the equity markets, whilst safe - guarding the investors' interest by offering a Guaranteed Maturity Unit Price (GMUP). Tata AIG Life Insurance InvestAssure Apex Supreme allows your savings to take advantage of high returns in a positive market scenario while safe-guarding your investment during any downturn. In addition to a death cover, the plan also enables you to choose enhanced protection with riders for a comprehensive insurance cover against all eventualities.

The way it works:

You choose an Annualised Premium based on your needs. Your Annualised Premium, net of applicable charges, is allocated to the Apex Supreme Investment Fund II. next immediate reset date, the amount in Apex On the Supreme Investment Fund II will be transferred to Apex Supreme Return Lock-in Fund II using the Unit Price determined as of 3 pm on that day. Your money there-after remains invested in the Apex Supreme Return Lock-in Fund II where a daily Unit Price@ shall be determined by us. Your renewal premium will be allocated to the Apex Supreme Investment Fund II and on the following reset date the balance therein will move to the Apex Supreme Return Lock-in Fund II The renewal premium will also enjoy the same NAV guarantee as the first premium.
@

Please see the section - "How is the NAV calculated?

Key Features:
Unique benefit of GMUP (Guaranteed Maturity Unit Price) which means no need to time the market

Tata AIG Life Insurance InvestAssure Apex Supreme at a glance Age at entry: 18 to 65 Years. Maximum age at maturity: 75 Years Minimum Premium: ` 48,000 p.a. for annual mode and ` 1,20,000 p.a. for other modes Sum Assured: Dependent on age of insured Minimum o o for <45 years : 10 x Annualised Premium for >= 45 years : 7 x Annualised Premium

Guaranteed Maturity Addition of 1% of Regular Premium Fund Value on maturity Death cover in case of unfortunate demise of insured Partial Withdrawals allowed from 6th year onwards to meet your liquidity needs, if any Option to choose from 4 Riders for 'added protection' Tax benefits available under Sec 80C & 10(10D) of the Income Tax Act, 1961 Please refer to the sections 'Reset Dates and Guaranteed Maturity Unit Price (GMUP)', 'Benefits' for more details and Premium and Policy Charges' for Charge for Guarantee.

Maximum Sum Assured: Dependent on age of insured o o for < 45 years : 25 x Annualised Premium for >= 45 years : 10 x Annualised Premium

Please refer to the section 'Benefits' for more details.

Tata AIG Life Insurance InvestAssure Apex Supreme

The Idea: This non participating unit -linked endowment insurance plan entails premiums for 5 years You pay Your policy term is 10 years Your premiums move across$ two funds viz: o Apex Supreme Investment Fund II o Apex Supreme Return Lock-in Fund II (with GMUP benefit) 2

to pay your premium in Annual / Semi Annual / Option Quarterly or Monthly mode Reset Dates and Guaranteed Maturity Unit Price (GMUP) Apex Supreme Return Lock-in Fund II is a unique close ended fund which guarantees the market upside through a unique feature called Guaranteed Maturity Unit Price. "Guaranteed Maturity Unit Price" means the highest Unit Price of the Apex Supreme Return Lock-in Fund II recorded on one hundred (100) Reset Dates. The Unit Price is ` 10 on the first Reset 3

Date. The Guaranteed Maturity Unit Price is applicable to the Apex Supreme Return Lock-In Fund II and for the purpose of determining the Maturity Benefit only. Reset Dates" are the 10th Day of every calendar month (or if not open for business, the next business day) following the date of closure of subscription of this series of fund and applicable only for Apex Supreme Return Lock-in Fund II. There are a total of one hundred (100) Reset Dates; the first and the last Reset Date will be shown in the sales illustration and policy information page of the policy contract that will be issued to you.

Benefits
Maturity Benefit - On the Maturity date, we will pay you the higher of: Value of this policy at the applicable Unit Price@ plus The Fund Guaranteed Maturity Addition OR The Guaranteed Maturity Unit Price multiplied by the number of Units of the Apex Supreme Return Lock-in Fund II as on the maturity date plus Guaranteed Maturity Addition The NAV guarantee is applicable only on Maturity and will not be applicable on Death/ Complete Withdrawal/ Discontinuance of Premium. Guaranteed Maturity Addition The amount of Guaranteed Maturity Addition payable on maturity is 1% of the Regular Premium Fund Value as on maturity date. This percentage is guaranteed however the amount is not guaranteed and will depend on the fund performance. The above Guaranteed Maturity Addition will not be payable on Death/Complete Withdrawal/Discontinuance of Premium. Death Benefit - In case of an unfortunate demise of the insured, we will pay to the nominee the higher of: Sum Assured net of all Deductible Partial Withdrawals, if any, from the Regular Premium Fund, or Fund Value i.e. sum of Fund Value of Apex Supreme The Total Investment Fund II and Apex Supreme Return Lock-in Fund II of this policy at the applicable Unit Price@ or 105 percent of the total regular premiums paid net of all "Deductible Partial Withdrawals", if any, from the Regular Premium Fund. For purpose of determining the Death Benefit, the Deductible Partial Withdrawals mentioned above shall mean the higher of sum of all Partial Withdrawals paid from the Regular Premium Fund(s) (i) during the 24 months immediately preceding insured's date of death, or (ii) after insured attains 60 years of age.
@

The Investment
Your investment will be managed by our experienced fund managers in the following funds:Apex Supreme Investment Fund II is a transition fund, where your premium net of Premium Allocation Charge is automatically allocated. The full amount in this fund is then automatically switched into Apex Supreme Return Lock-in Fund II on the immediate next reset date. The investment objective for Apex Supreme Investment Fund II is to provide capital protection with a high level of safety and liquidity through judicious investment in high quality short-term debt. The strategy is to generate better returns with low level of risk through investment in fixed interest securities having short term maturity profile. The risk profile of the fund is very low. The asset allocation will be: v Debt Instruments and Derivatives 0-100% in v Money Market Instruments & Cash Instruments 0-100% in Apex Supreme Return Lock-in Fund II is your main investment fund where you are protected from the market downside risk. The investment objective for Apex Supreme Return Lock-in Fund II is to use the participation in an actively managed well diversified equity portfolio of large cap companies to generate capital appreciation and use high credit quality debt instruments to lockin that capital appreciation. The risk profile of the fund is medium. The asset allocation will be: v Equity & Equity Related Securities 0-100% in v Debt Instruments and Derivatives 0-100% in v Money Market & Cash Instruments 0-100% in

Please see the section - "How is NAV calculated?

Your Benefit Illustration# The table below gives the Fund Values^ for two healthy persons aged 30 and 40 years for a policy term of 10 years and premium paying term of 5 years.

Higher Rate Illustration (10%) Lower Rate Illustration (6%) Non Guaranteed Benefits
Guaranteed Maturity Addition (`)** 8,599 8,479 Total Maturity Benefit (`) 868,508 856,356

Non Guaranteed Benefits

Regular Total Premium Guaranteed Maturity Maturity Fund Addition Benefit Value (`)** (`) (`)* 630,593 618,812 6,306 6,188 636,899 625,000

Net Yield*** @ 10% 7.52% 7.52%

Some benefits are guaranteed and some benefits are variable (Non-guaranteed) with returns based on the future performance of the funds and fulfillment of other applicable policy conditions. *Computation of Maturity Benefit and Fund Value excludes service tax. For benefit values net of service tax please refer to the sales illustration. ^Service tax is applicable as per governing laws and the same shall be borne by the policyholder. Tata AIG Life Insurance Company Limited reserves the right to recover from the policyholder, any levies and duties (including service tax), as imposed by the government from time to time. Kindly refer to sales illustration for exact premium rate. ** Guaranteed Maturity Addition is the percentage of Regular Premium Fund Value. ***Computation of the net yield excludes mortality charges, explicit charge for investment guarantee and service tax on charges as applicable.

circumstances like natural calamities, wars, civil unrest, riots etc the approval of the Company will be needed for Partia l Withdrawal. Maximum of four (4) Partial Withdrawals are allowed in a policy year. There are no charges on Partial Withdrawals. Flexibility of Premium Mode: You may choose to pay your premiums1Annually, Semi-annually, Quarterly or even Monthly as per your convenience.
Monthly Premium = 0.0833 of Annualised Premium, Quarterly Premium = 0.25 of Annualised Premium, Semi-annual premium = 0.50 of Annualised Premium, subject to minimum premium conditions for each mode.
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Settlement Option Provided Insured is alive on the maturity date, you have an option to receive the maturity amount either in lumpsum or in installments over a period of time. This period, termed as Settlement Period, may be extended up to a maximum of five years from the date of maturity. The timing and amount of the installments will be chosen by you at the time of maturity while exercising this option. The value of such periodical payments will depend on the performance of the Funds selected for investment. Switching and Partial Withdrawals (other than the aforesaid periodical payments) are not available during the Settlement Period. During Settlement Period, (i) no life cover or other insurance cover will be provided. In the unfortunate event of death, the Total Fund Value at the time of death will be returned to the nominee. (ii) Fund Management Charges and Policy Administration Charge will be deducted as shown under "Premium and Policy Charges". Your investment during the Settlement Period is no longer considered a Maturity Benefit; and the Guaranteed Maturity Unit Price is not applicable to any payment during the Settlement Period. During this Settlement Period, the inherent investment risk will be borne by you.

Flexibility
This is a 5 pay and 10 year term policy and it is in your best interest to stay invested for the entire term. This will enable you to not only follow a disciplined savings approach, but also, enjoy all the special benefits offered under the innovative product design. However, for contingency needs during the term of the policy, you may avail the Partial Withdrawal option. Flexibility of Partial Withdrawal: In case you need money for any emergency or otherwise, this plan offers you the option to withdraw from your Regular Premium Fund. The Partial Withdrawals from Regular Premium Fund are allowed after five policy anniversaries from the date of issuance of your policy, provided the policy is in force. Minimum Partial Withdrawal amount is ` 5,000 subject to Total Fund Value post such withdrawals not being less than an amount equivalent to one year's Annualised Regular Premium. Under exceptional 6

Additional Coverage You have the option of availing additional protection by attaching any of the following riders* to your basic policy Tata AIG Life Accidental Death Benefit (ADB) Rider (UIN No. 110C003V01): Provides for an additional benefit amount equivalent to the Sum Assured purchased, subject to underwriting rules, in case of death due to an accident before the insured reaches age 70 years. Tata AIG Life Accidental Death and Dismemberment (ADDL) (Long Scale) Rider (UIN No.110C004V01): This coverage includes an additional Death Benefit equal to the Sum Assured purchased subject to underwriting rules, and a schedule of benefit percentage of the Sum Assured payable in case of accidental dismemberment or severe burns. A double indemnity is payable for certain accidental deaths as described in the contract. Total benefit payable on accidental death (including the Sum Assured of base policy) shall not exceed three times the Basic Sum Assured under the policy. Please note that you can either opt for Tata AIG Life Accidental Death Benefit Rider or for Tata AIG Life Accidental Death and Dismemberment Rider. The Accidental Riders are issued only for age 18 years and above. Tata AIG Life Critical Illness (Lumpsum) Rider (UIN No. 110C012V01): In case you are diagnosed with a critical illness, or need surgery, this rider provides you with a lumpsum amount. This rider covers Cancer, Stroke, Heart Attack, Coronary Bypass Graft Surgery, Kidney Failure, Major Organ Transplant. For this benefit to be payable, the insured needs to survive for a period of at least 30 days post the operation / diagnosis of critical illness. There is a waiting period of 180 days from the date of issue of the policy, after which the cover gets activated. While this benefit ceases after you make one claim, your basic policy will be in force, provided you continue to pay the basic premiums. Tata AIG Life Family Income Benefit (FIB) Rider (UIN: 110A019V01): In the event of death or total or permanent disability of the insured, the company will pay to the nominee 1% of the Sum Assured every month for 100 months or the end of policy term whichever is earlier. In case of death of the life insured, all the attachable riders as listed above will be terminated without any value. For more details on the benefits, premiums and exclusions under these riders please contact our insurance advisor or visit our nearest branch office. On your request riders can be added & deleted at any time even after policy issue but are activated only on the next policy 8

anniversary, subject to underwriting, provided the policy is in force. *Riders are not mandatory and are available at a nominal extra cost.

Other Features
Discontinuance of Premium: In case you are unable to pay any premium due on the policy before the expiry of the grace period, the Company will send you a notice within 15 days from the date of expiry of the grace period. You are entitled to the following options, within 30 days of notice period, from the receipt of the notice,:(a) (b) To revive the policy or Complete Withdrawal without any risk cover

From the expiry of the grace period, till you exercise the option or till the expiry of above notice period whichever is earlier, the policy is deemed to be in force and the risk cover will continue. During this period Mortality Charge, Fund Management Charge, Policy Administration Charge and Charge for Guarantee will be deducted as due, from the Total Fund Value. In case of death during this period, the death benefit as mentioned under "Death Benefit" shall be payable immediately. If you exercise the option (a) i.e. to revive the policy, the policy will remain in force and all applicable charges as set out in section "Premium and Policy Charges" will continue to be deducted. If you exercise option (b) or do not exercise any option within the above notice period, the Total Fund Value after deduction of the Discontinuance Charge on the expiry of the notice period shall be credited to the 'Discontinued Policy Fund' maintained by the Company. The proceeds of the 'Discontinued Policy Fund', including interest computed at minimum interest rate of 3.5% p.a, shall be refunded at the end of Lock-in Period of five years from the inception of the policy. In case of death during this period, the proceeds of the 'Discontinued Policy Fund' shall be payable immediately. For further details on Discontinuance of Premiums, please refer to the Policy Document. Revival of Policy If the premium remains unpaid at the end of the Grace Period and the policy has not been completely withdrawn for its Total Fund Value it can be revived, within stipulated time period subject to: (i) Your written application for revival; (ii) production of insured's current health certificate and/or other evidence of insurability satisfactory to us, if required (iii) payment of all overdue Regular Premiums. In case of death due to suicide by the Insured, whether sane or insane, within one year of date of issue of policy or date of commencement of risk / approval date of revival, our liability is limited to the Fund Value at the applicable Unit Price. 9

Complete Withdrawal You have the option to completely withdraw funds from the policy anytime during the policy term by intimating to the Company. If you request for Complete Withdrawal from the policy Within the Lock-in Period; the Surrender Value i.e. the Total Fund Value less applicable Discontinuance Charges as on the date of intimation shall be credited to the 'Discontinued Policy Fund' as maintained by the Company. The proceeds of the 'Discontinued Policy Fund', after addition of interest computed at minimum interest rate of 3.5% p.a, shall be paid to you only after completion of the Lock-in Period. After the Lock-in Period; the Regular Premium Fund Value as on the date of intimation shall be paid to you. Lock-in Period means the period of 5 consecutive years from the date of commencement of the policy, during which period the proceeds of the discontinued policies cannot be paid by the insurer, except in the case of death or upon the happening of any other contingency covered under the policy. Premium and Policy Charges Premium Allocation Charge: From the Regular Premium you pay, towards your policy, Premium Allocation Charges are deducted and the net premium is invested in Apex Supreme Investment Fund II. Premium Year 1-2 3-5 6 onwards Allocation Charge as a % of Premium 3.00% 2.00% NA

The Modal Premium of the policy is arrived at as below:If monthly paid If quarterly paid If semi-annually paid If annually paid Annualised Premium * 0.0833 Annualised Premium * 0.25 Annualised Premium * 0.5 Annualised Premium * 1

Fund Management Charge: A Fund Management Charge will be charged for each fund on each daily valuation date at 1/365th of the following annual rates. Fund Apex Supreme Investment Fund II Fund Management Charge per Annum 0.90%

Apex Supreme Return Lock-in Fund II 1.35% Fund Management Charges are subject to revision by Company with prior approval of IRDA but shall not exceed 1.35% per annum of the Fund Value Charge for Guarantee: The NAV guarantee charge is 0.25% p.a. of Fund Value and will be deducted by cancelling Units at the Unit Price, from Apex Supreme Return Lock-in Fund II This will be deducted on monthly basis, at the rate of 1/12 of the above mentioned annual rate. The Charge for Guarantee will be reviewed by Us on yearly basis and may be revised with prior approval of Insurance Regulatory and Development Authority. Mortality Charge: Insurance cover in each month for Regular Premium Fund is the difference between: a) Maximum of (Basic Sum Assured or 1.05 times total premium paid) net of all Deductible Partial Withdrawals, if any, from the Regular Premium Fund And b) Regular Premium Fund Value of the policy. Mortality Charge is the amount of insurance cover for the month multiplied by the applicable Mortality Rate for the month, based on the age of the Life Assured. It will be deducted every month by canceling units from Apex Supreme Investment Fund II and then from Apex Supreme Return Lock-in Fund. II Mortality Charge is 0 if insurance cover is <= 0. Sample Age 25 35 45 55 11 Mortality Charges per 1,000 Sum Assured (`) 1.140 1.435 3.274 9.022

Premium Year is determined by the number of complete 12months period for which Regular Premium has actually been paid, excluding any period of Discontinuance of Premiums. Policy Administration Charge: A monthly Policy Administration Charge as below will be deducted by canceling Units at Unit Price from the Fund Value of the Policy. Tabulated below is the Monthly Policy Administration Charge expressed as a % of the First Year Premium. Annualised Regular Premium (`) 48,000-99,999 100,000 and above % of First Year Regular Annualised Premium 0.400% 0.300%

The Monthly Policy Administration Charge may be increased by upto a maximum of 5% per annum compounded, with prior approval from IRDA. This charge is capped at ` 6,000 per annum. 10

The Mortality Charges will be guaranteed for the period of the policy term. For complete details of Mortality Charges visit us at www.tata-aig-life.com. Discontinuance Charge: You can discontinue paying premium anytime during the premium payment term by intimating to the Company. However when the request for discontinuance from the policy is within the Lock-in Period of 5 years from policy inception, Total Fund Value, as on the date of intimation, net of Discontinuance Charges shall be put in the 'Discontinued Policy Fund'. The proceeds of the 'Discontinued Policy Fund', after addition of interest computed at a minimum interest rate of 3.5% p.a. shall be paid to you only after completion of the Lock-in Period. The following table shows Discontinuance Charge as percentage of Regular Premium Fund Value: Policy Year 1 Discontinuance Charge Lower of 6% of Annualised Premium or 6% of Regular Premium Fund Value subject to maximum of ` 6000 Lower of 4% of Annualised Premium or 4% of Regular Premium Fund Value subject to maximum of ` 5000 Lower of 3% of Annualised Premium or 3% of Regular Premium Fund Value subject to maximum of ` 4000 Lower of 2% of Annualised Premium or 2% of Regular Premium Fund Value subject to maximum of ` 2000 Nil

You could also log on to www.tata-aig-life.com for more information on our fund performance or email us on customercare@tata-aig.com How is the NAV calculated? The NAV per unit or Unit Price will be calculated in line with ULIP guidelines as follows: Unit Price / Net Asset Value per unit = (Market/Fair value of the investments held by the Unit Fund + Expenses incurred in purchase of the assets + Value of Current Assets + Accrued income net of fund management charges - Current Liabilities and Provisions) / Total No. of Units existing in the Unit Fund as on the valuation date. However, when the company is required to sell assets to redeem the units, the NAV per unit / Unit Price will be calculated as: Unit Price / Net Asset Value per unit = (Market/Fair Value of the investments held by the Unit Fund - Expenses incurred in sale of the assets + Value of current assets + Accrued income net of fund management charges - Current liabilities and Provisions) / Total No. of Units existing in the Unit Fund as on the valuation date. The Net Asset Value (NAV) per Unit / Unit price will be determined and published daily in various financial newspapers and will also be available on www.tata-aig-life.com, the official website of Tata AIG Life. All you have to do is multiply the number of Units you have with the published Unit price to arrive at the value of your investments. Which NAV is Applicable? In case of proposals where underwriting or any other approval of the Company is required, units will be allocated on the day the underwriting and the other approvals are completed. However, in case of outstation cheques / outstation demand drafts, units will be allocated on the date of realization or the day when the underwriting / approvals are completed whichever is later. In case, the renewal premiums are received by us via cash or a local cheque or a demand draft payable at par at or before 3:00 pm of a Business Day at a place where these are receivable, Unit Price of the day of receipt shall apply. In case, the renewal premiums are received by us via cash or a local cheque or a demand draft payable at par after 3:00 pm of a Business Day, at the place where these are receivable, Unit Price of the next valuation date following the receipt date shall apply. If the renewal premiums are received by us by way of an outstation cheque / outstation demand draft, Unit Price of the date on which these instruments are realized provided the realization is on or before 3:00 pm, will be applicable.

5 and above

The Company may alter the above charges (except Mortality Charge and Premium Allocation Charges which are guaranteed throughout the term) by giving an advance notice of at least three months to you subject to the prior approval of IRDA and the same will have prospective effect. Partial Withdrawal Charge: There are no partial withdrawal charges under Tata AIG Life Insurance InvestAssure Apex Supreme.

Track your investments

An annual statement will be sent giving details on the number of Units and their Unit Price, including the Guaranteed Maturity Unit Price held as of the last Reset Date.

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In case the renewal premium if you pay the premium in advance the units will be allocated on the due date of the premium.

does not assume the responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefit available to you. Nomination and Assignment: You may nominate a person as the Nominee / Appointee by giving a written notice satisfactory to us. Such nomination is valid only if recorded by us and endorsed on this policy. You may also assign this Policy by giving a written notice satisfactory to us, before the maturity of the policy. Insurance Act, 1938, Section 41 (Prohibition of Rebates) 1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. 2. Any person making default in complying with the provisions of sub-section 1 above shall be punishable with fine which may extend to five hundred rupees. Insurance Act, 1938, Section 45 No policy of life insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no policy of life insurance effected after the coming into force of this Act shall, after the expiry of two years from the date on which it was effected be called in question by an insurer on the ground that statement made in the proposal or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policy holder and that the policy holder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal. Tata AIG Life - A New Look At Life Tata AIG Life Insurance Company Limited (Tata AIG Life) is a joint 15

Additional Information
Free-Look Period: If you are not satisfied with the terms & conditions/ features of the policy, You have the right to cancel the policy by providing written notice to the Company and receive the premiums invested into the funds at Unit Price as at the date of cancellation along with the charges paid after deducting a) Proportionate risk and rider premium (if any) for the period on cover and, b) Stamp duty and medical examination costs which have been incurred for issuing the policy. Such notice must be signed by you and received directly by the Company within 15 days after you receive the Policy Document. Grace Period: If you are unable to pay your Regular Premium on time, starting from the regular premium pay-to-date, a Grace Period of 30 days will be offered for policies on Annual, Semi- Annual or Quarterly Modes. For policies on Monthly mode the Grace Period would be 15 days. During this period your policy is considered to be in force with the risk cover as per the terms & conditions of the policy. Backdating: Backdating is not allowed in Tata AIG Life Insurance InvestAssure Apex Supreme. Policy Loan: Policy Loan is not allowed in Tata AIG Life Insurance InvestAssure Apex Supreme. Exclusions: In case of death due to suicide by the insured, whether sane or insane, within one year of date of issue of policy or date of commencement of risk, our liability is limited to the Fund Value at the applicable Unit Price. Tax Benefits: Premiums paid under this plan are eligible for tax benefits under section 80C of the Income Tax Act, 1961and are subject to modifications made thereto from time to time. Moreover, life insurance proceeds enjoy tax benefits as per section 10(10D) of the said Act. Tax benefits are as per the Income Tax Act, 1961, and are subject to modifications made thereto from time to time. Tata AIG Life 14

venture company, formed by Tata Sons and AIA Group Limited (AIA). Tata AIG Life combines Tata's pre-eminent leadership position in India and AIA's presence as the largest, independent listed pan-Asia life insurance group in the world spanning 15 markets in Asia Pacific. Tata Sons holds a majority stake (74%) in the company and AIA holds 26% through an AIA Group company. Tata AIG Life Insurance Company Limited was licensed to operate in India on February 12, 2001 and started operations on April 1, 2001. Tata AIG Life offers a broad array of life insurance coverage to both individuals and groups, providing various types of add-ons and options on basic life products to give consumers flexibility and choice. DISCLAIMER: Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document of the Company. The investment risk in the investment portfolio is borne by the policy-holder. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The performance of the managed portfolios and funds is not guaranteed and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds. Past returns are not necessarily a guide to future performance. The Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. a life insurance policy is a long-term commitment. An Buying early termination of the policy usually involves high costs and the Surrender Value payable may be less than the total premiums paid. The brochure is not a contract of insurance. The precise terms and conditions of this plan are specified in the policy contract. Life Insurance Company Ltd. is only the name of the Tata AIG Insurance Company and Tata AIG Life Insurance InvestAssure Apex Supreme is only the name of the Unit Linked Life Insurance Contract and does not in any way indicate the quality of the contract, its future prospects or returns.

Investments are subject to market risk. This policy is underwritten by Tata AIG Life Insurance Company Ltd. This brochure should be read along with the sales benefit illustration. Insurance is the subject matter of the solicitation. For complete details please contact our Insurance advisor or visit Tata AIG Life's nearest branch office or call our toll free number 1800-11-9966(facility available from MTNL and BSNL lines) and 1860-266-9966 (facility available from all mobile and landlines wherein local charges would apply) or write to us at customercare@tata-aig.com. Visit us at: www.tata-aig-life.com or SMS 'LIFE' to 58888.

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