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Aviva LifeBond Advantage by sameerkerkar87


A life insurance plan which allows a lumpsum investment to help your wealth grow

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									life insurance
                                                                                   Bond Fund-II: [SFIN:ULIF01608/01
                                                          65,520       1.82%       /2010LIFDEBT-II122]: To generate
                                                                                   a steady income through
                                                        1,28,036       6.47%
                                                                                   investment in high-quality fixed-
                                                          69,742       1.68%       income securities.
                                                        1,85,182       6.77%
                                                        1,45,543       2.53%       Protector Fund-II
                                                                       7.03%       [SFIN: ULIF02108/01/2010
                                                                                   LIPROTE-II122]: To generate
                                                        1,61,811       2.44%       steady returns with a
                                                        4,07,148       7.27%       minimum exposure to equities.
                                                        3,82,084       2.87%       Balanced Fund-II: [SFIN: ULIF0
                                                        7,17,744       7.28%       1508/01/2010LIBALAN-II122]:
                                                        4,33,352       2.79%       To generate a balance of capital
                                                       1,063,258       7.51%       growth and steady returns.
                                                        7,88,082       3.08%       Growth Fund-II: [SFIN: ULIF0
                                                       1,472,820       7.47%       1808/01/2010LIGROWT-II122]To
                                                        9,01,473       2.99%       generate long-term capital
                                                       2,189,401       7.66%       appreciation with high-equity
                                                                                   Enhancer Fund-II: [SFIN: ULIF0
                                                                                   provide aggressive, long-term
                                                                                   capital growth with high-equity
                                                                                   PSU Fund: [SFIN: ULIF0
                                                                                   To generate steady returns
                                                                                   through investment in PSU and
                                                                                   related equities.
                                                                                   Infrastructure Fund: [SFIN: ULIF0
                                                                                   To generate steady returns
after deduction of applicable discontinuance charges                               through investment in
                                           During such period, your fund will      infrastructure and related equities.
continue to earn income. The Proceeds of such discontinued policy will mean        Index Fund-II: [SFIN: ULIF0
the fund value as on the date the policy has discontinued, after addition of
                                                                                   2008/01/2010LIFINDX-II122]: To
income earned. The income earned under the policy will be based on the
                                                                                   generate returns in line with the
interest rate declared by the Company on the basis of the investment income
                                                                                   stock market index – S&P CNX
earned in the Discontinued Policy Fund. Such declared interest rate will not be
less than the interest rate applicable for savings bank account of State Bank of
India. Currently the applicable guaranteed interest rate is 4% p.a. which will
change from time to time depending upon the change in savings bank account
interest rate or any change in IRDA Regulations.
                                                                                    Dynamic P/E Fund: [SFIN: ULIF03201/08/2011LIFDYNAMIC122]:

                                                                                    To provide long term capital appreciation through dynamic asset allocation
                                                                                    between Debt and Equity. The allocation to Equity and Equity Related
                                                                                    Securities is determined with reference to the Forward Price Earning (P/E)
                                                                                    multiple of the NSE S&P CNX Nifty index and the remainder is invested in
                                                                                    Debt and Money Market instruments.
Investment Pattern of Discontinued Policy Fund:
The Investment Pattern for Discontinued Policy Fund will be as follows. The
Fund Management Charge of this fund will be 0.50% per annum.
 Fund name and objective                  Asset allocation    Risk profile
Discontinued Policy Fund                 Debt & MM:           Low
[SFIN:] [ULIF03127/01/2011LIDISCPLCY122] 0 to 100%
To provide a minimum guaranteed rate as
prescribed by IRDA from time to time.    Equities: 0%

   Premium Allocation Charge (defined as 100% minus Allocation Rate)
   – This charge is deducted from the premium and the balance premium after
   deducting this charge is invested as per the Allocation Rate which will
   depend on the policy year as detailed below:


    An FMC of 1.35% p.a. will be applied for all funds except Discontinued
    Policy Fund. In case of Discontinued Policy Fund, the FMC would be 0.50%
    p.a. The NAV for each fund except Discontinued Policy Fund will be                   Aviva Life Insurance Company India Limited
    calculated on a daily basis.
Net Asset Value (NAV) calculation: The NAV of the fund shall be
computed as:
 Market Value of investment held by the fund + Value of Current
     Assets – Value of Current Liabilities & Provisions, if any
           Number of Units existing on Valuation Date
             (before creation / redemption of Units)


                             2641               MKT/ALBA/April 2012/Ver. 1.6

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