ADAMJEE LIFE ASSURANCE COMPANY LTD.

Illustration of Benefits for Khushhali Product

Prepared for : Sdasasd Dasasda

Basic Details
Name of Life Assured Age Expected Comm. Date Proposal No. Gender Spouse
Sdasasd Dasasda 32 27-Apr-17 MALE N
Coverage Details
Mode Of Premium Level / Indexed
Currency of Plan Fund Cover Multiple
Payment Basis
5% COMPOUND
PAK RUPEES Monthly Investment Secure Fund (SA) 10
BASIS
Term
Plan/Benefits Initial Sum Assured Premium
Benefit Premium
Khushhali Product 25 25 PKR 534,480 PKR 4,454
Accidental Death & Disability Benefit 15 15 PKR 1,540,000 PKR 221
Waiver of Premium Disability 10 10 PKR 4,454 PKR 45
Monthly Income Benefit 15 15 PKR 40,000 PKR 1,430
Life Saver 5 5 PKR 500,000 PKR 104
Critical Illness 5 5 PKR 1,000,000 PKR 413
Total Monthly Premium PKR 6,667
Illustrative Values Based on Annual Premium :

6% Rate of Return 8% Rate of Return 10% Rate of Return

Cumulative
Premium
Policy Main Plan
for the
Year Premium Main Plan Annual Main Plan Annual Main Plan Annual
Year Surrender Surrender Surrender
Paid Death Benefit Annuity Death Benefit Annuity Death Benefit Annuity
Value Value Value
Benefit Benefit Benefit

1 53,448 53,448 534,480 0 0 534,480 0 0 534,480 0 0

2 56,120 109,568 534,480 68,716 0 534,480 69,821 0 534,480 70,931 0
3 58,926 168,495 534,480 128,077 0 534,480 131,189 0 534,480 134,348 0
4 61,872 230,368 534,480 192,836 0 534,480 199,282 0 534,480 205,896 0
5 64,966 295,334 534,480 269,705 0 534,480 281,066 0 534,480 292,860 0
6 68,214 363,549 534,480 346,747 0 534,480 364,819 0 534,480 383,803 0
7 71,625 435,174 534,480 430,467 0 534,480 457,233 0 534,480 485,695 0
8 75,206 510,381 534,480 521,357 0 559,404 559,054 0 599,959 599,609 0
9 78,967 589,348 620,187 619,837 0 671,240 670,890 0 726,858 726,508 0
10 82,915 672,263 766,882 766,532 0 834,500 834,150 0 909,050 908,700 0
15 105,823 1,153,331 1,446,799 1,446,449 0 1,654,739 1,654,389 0 1,898,619 1,898,269 0
20 135,060 1,767,309 2,420,749 2,420,399 0 2,906,249 2,905,899 0 3,513,433 3,513,083 0
25 172,375 2,550,918 3,794,063 3,793,713 0 4,779,214 4,778,864 0 6,093,886 6,093,536 0
26 0 2,550,918 3,590,125 3,590,125 386,052 4,607,646 4,607,646 490,516 5,983,917 5,983,917 630,794
27 0 2,550,918 3,328,240 3,328,240 402,166 4,352,130 4,352,130 520,631 5,756,743 5,756,743 681,921
28 0 2,550,918 3,038,237 3,038,237 418,953 4,047,869 4,047,869 552,596 5,453,433 5,453,433 737,191
29 0 2,550,918 2,718,226 2,718,226 436,441 3,689,842 3,689,842 586,523 5,063,140 5,063,140 796,940
30 0 2,550,918 2,366,205 2,366,205 454,658 3,272,594 3,272,594 622,533 4,573,755 4,573,755 861,533
31 0 2,550,918 1,980,060 1,980,060 473,636 2,790,202 2,790,202 660,754 3,971,779 3,971,779 931,361
32 0 2,550,918 1,557,557 1,557,557 493,406 2,236,241 2,236,241 701,322 3,242,177 3,242,177 1,006,848
33 0 2,550,918 1,096,332 1,096,332 514,002 1,603,741 1,603,741 744,380 2,368,215 2,368,215 1,088,454
34 0 2,550,918 593,889 593,889 535,457 885,146 885,146 790,082 1,331,283 1,331,283 1,176,673
35 0 2,550,918 0 0 557,807 0 0 838,589 0 0 1,272,043

Client / Policy Client / Policy

Date
Owner's Name1 Owner's Signature
Sales Sales
Representative Representative Date
Name Signature
Illustration Version No. 1.0 Illustration Report Prepared on 27-Apr-17 Time : 1:04 PM Page 1 of 5
 ADAMJEE LIFE ASSURANCE COMPANY LTD.
Illustration of Benefits for Khushhali Product
Prepared for : Sdasasd Dasasda

Inflation Inflation adjusted 3% Rate of Return Inflation adjusted 4% Rate of Return Inflation adjusted 5% Rate of Return
Adjusted
Premium
Policy Cumulative
for the
Year Main Plan Main Plan Annual Main Plan Annual Main Plan Annual
Year Surrender Surrender Surrender
Premium Death Benefit Annuity Death Benefit Annuity Death Benefit Annuity
Value Value Value
Paid Benefit Benefit Benefit

25 172,375 1,529,800 2,750,543 2,750,193 0 3,051,478 3,051,128 0 3,396,908 3,396,558 0

Client / Policy Client / Policy

Date
Owner's Name1 Owner's Signature
Sales Sales
Representative Representative Date
Name Signature
Illustration Version No. 1.0 Illustration Report Prepared on 27-Apr-17 Time : 1:04 PM Page 2 of 5
 ADAMJEE LIFE ASSURANCE COMPANY LTD.
Illustration of Benefits for Khushhali Product
Prepared for : Sdasasd Dasasda

Notes :
Unit Allocation Table :

Investment Booster
Policy Year 1 2 3 & ONWARDS
(Ad-hoc, if any)

Allocation 40% 90% 100% 102%

Loyalty Bonus :
Loyalty Bonus is Extra Unit Allocation guaranteed once on 5th, 10th, 15th and 20th year provided the premium paying term is equal to or greater
than the corresponding loyalty bonus term and policy remains inforce through timely payments of at least initial basic premium and there are no
partial withdrawals or loans
Policy Year 5th 10th
Bonus % Of Initial Basic Premium 10% 50%

Expenses (*)
Management & administration Equivalent to a reduction in annual yield of 1.75%
Mortality, rider & other risk charge As per filing with SECP
Fund switching In any policy year initial two switches free, Rs. 300 for subsequent switches

Bid / Offer spread 5% of all premiums, allocated to the unit account

* These expenses are applicable for all unit linked investment funds available under this plan.
Premium Paying Month 1 to 12 13 to 24 25 to 300
Surrender Charges as % Of Cash Value 100% 0% 0%

In case of surrender, a flat Rs.350 surrender charge deducted along with other surrender charges applicable in the first 2 years of the term. These
charges are a part of the contract. An age based mortality charge applies for the Basic Policy life insurance risk each year and is dependent on the sum
at risk. No charge applies in years where there is no sum at risk.
All charges mentioned in the above notes are reviewable at the discretion of the company.

Supplementary Rider and their benefit:

Waiver of Premium Disability = On permanent and total disability of the insured person this rider waives the initial (un-escalated) basic policy premium
for the remaining term of the rider
Monthly Income Benefit = On permanent and total disability or death of the insured person a fixed monthly benefit is payable for the remaining term of
the rider
Accidental Death & Disability Benefit = A lump sum amount is payable on accidental death or accidental total and permanent disability
Critical Illness = Lump sum benefit payable on diagnosis of any of 20 specified critical illnesses
Life Saver =
The Cumulative Main Plan Premium Paid and "Premium for the Year", mentioned in the first illustration table above, is net of supplementary rider
premium charges which are deducted from the total main plan premium as mentioned in the Coverage Details section

The plan has the option to pay Investment Booster (Adhoc Premium) as follows:
Name of Life Assured SDASASD DASASDA
Adhoc Paying Term (Yrs.) 1
Amount of Adhoc per Annum (Rs.) 45,750,000
Adhoc Adjustment No

*Minimum Adhoc Premium is Rs. 10,000

Client / Policy Client / Policy

Date
Owner's Name1 Owner's Signature
Sales Sales
Representative Representative Date
Name Signature
Illustration Version No. 1.0 Illustration Report Prepared on 27-Apr-17 Time : 1:04 PM Page 3 of 5
 ADAMJEE LIFE ASSURANCE COMPANY LTD.
Illustration of Benefits for Khushhali Product
Prepared for : Sdasasd Dasasda

The Total Illustrative Values after including the Top up premiums are as follows :
6 % Rate of Return 8 % Rate of Return 10 % Rate of Return
Cumulative
Policy Top up Regular Regular Regular
Top up Top up Top up
Year Premium Surrender Value Premium plus Premium plus Premium plus
Surrender Value Surrender Value
Paid Topup Premium Topup Premium Topup Premium
Surrender Surrender Surrender
1 45,750,000 46,182,230 46,182,230 47,053,507 47,053,507 47,924,872 47,924,872
2 45,750,000 48,109,919 48,178,635 49,942,309 50,012,130 51,809,210 51,880,141
3 45,750,000 50,118,087 50,246,163 53,008,547 53,139,736 56,008,374 56,142,722
4 45,750,000 52,210,052 52,402,888 56,263,070 56,462,352 60,547,887 60,753,783
5 45,750,000 54,389,370 54,659,075 59,717,391 59,998,457 65,455,260 65,748,120
6 45,750,000 56,659,674 57,006,421 63,383,781 63,748,600 70,760,403 71,144,207
7 45,750,000 59,024,735 59,455,202 67,275,323 67,732,556 76,495,481 76,981,176
8 45,750,000 61,488,508 62,009,865 71,405,711 71,964,764 82,695,566 83,295,175
9 45,750,000 64,055,100 64,674,937 75,789,755 76,460,645 89,398,011 90,124,520
10 45,750,000 66,728,741 67,495,274 80,443,010 81,277,159 96,643,799 97,552,500
11 45,750,000 69,514,082 70,397,191 85,381,904 86,352,722 104,476,873 105,545,548
12 45,750,000 72,415,672 73,424,453 90,623,932 91,744,081 112,944,845 114,190,777
13 45,750,000 75,438,303 76,582,440 96,187,922 97,471,055 122,099,125 123,541,211
14 45,750,000 78,587,210 79,877,015 102,093,501 103,554,335 131,995,285 133,654,179
15 45,750,000 81,867,599 83,314,049 108,361,572 110,015,961 142,693,571 144,591,840
16 45,750,000 85,284,800 86,899,570 115,014,492 116,879,512 154,259,002 156,421,293
17 45,750,000 88,844,689 90,640,203 122,075,903 124,169,938 166,761,796 169,215,015
18 45,750,000 92,553,133 94,542,602 129,570,852 131,913,688 180,277,977 183,051,488
19 45,750,000 96,416,415 98,613,883 137,525,934 140,138,854 194,889,612 198,015,444
20 45,750,000 100,440,974 102,861,373 145,969,429 148,875,329 210,685,475 214,198,558
21 45,750,000 104,633,560 107,292,755 154,931,369 158,154,862 227,761,654 231,700,070
22 45,750,000 109,001,109 111,915,954 164,443,479 168,011,023 246,221,831 250,627,080
23 45,750,000 113,550,908 116,739,305 174,539,636 178,479,660 266,178,299 271,095,601
24 45,750,000 118,290,683 121,771,645 185,255,668 189,598,713 287,752,185 293,230,789
25 45,750,000 123,228,293 127,022,006 196,629,632 201,408,497 311,074,632 317,168,168

Client / Policy Client / Policy

Date
Owner's Name1 Owner's Signature
Sales Sales
Representative Representative Date
Name Signature
Illustration Version No. 1.0 Illustration Report Prepared on 27-Apr-17 Time : 1:04 PM Page 4 of 5
 ADAMJEE LIFE ASSURANCE COMPANY LTD.
Illustration of Benefits for Khushhali Product
Prepared for : Sdasasd Dasasda

The Illustrative values above do not take into account any partial surrenders.
The rate of return assumptions stated in the tables(s) above are annual effective rates and are before deduction of Management &
Administration Charges. The Management & Administration Charge has been deducted from the Surrender Value prior to determining the
Illustrative values in the tables(s) above
The Surrender Values given above are based on assumptions. The actual values can be higher or lower than the ones illustrated above
depending upon the performance of the underlying investment of the Company.
You have an option to invest in any of the following investment funds namely Investment Secure Fund, Amaanat Fund and Investment
Multiplier Fund.
Surrender values given above are net of all charges.
Death Benefit is Sum Assured or Cash Value, whichever is higher.
For Illustration purpose, it is assumed that death occurs at the end of the year.
Cash Value is the policy Unit Account value at bid price. After two policy years, Surrender Value is equal to Cash Value.
On survival of the life assured till the maturity of the policy, the annuity benefit will be paid to the insured up to the term of the Monthly Annuity
Benefit selected by insured.
Monthly Annuity Benefit is only payable if the insured survives till maturity. Once commenced, the annuity is payable in monthly installments
and is not dependent on the life of the insured person. The insured person has the option to stop or reduce the annuity payment and take the
balance of the unit fund as a full or partial lump-sum at any time during the term of the annuity. Monthly Annuity benefit will be paid in form of
monthly installments end month unit divided by outstanding month.
This is an approved Illustration of the Company. Any other Illustration which contradicts this Illustration should not be given any consideration
and should be reported to the Company.
Please refer to the Policy Document for detailed Terms & Conditions.
In case the policyholder (owner) is a non-filer, an advance tax collection @1% of insurance premium, under section 236U of Income Tax
Ordinance, 2001, shall be made by deducting such amount from the aforementioned cash values.

Declarations:
Declaration by Sales Representative:
I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this Illustration. I also confirm that I have not
misled or deceived the prospective client in any way. In case of any misconduct on my part, the Company and I shall be responsible for any loss to
the prospective client. In such circumstances, SECP shall have the authority to take any action in light of the Insurance Ordinance 2000.

Signature : Date :
Name : Code :
Designation :

Declaration by Client/Policy Owner:

I have studied the above Illustration and notes carefully and understood them fully. I also confirm that no other illustration verbal, written or electronic in
contradiction to this illustration has been given to me. This is an illustration, the exact terms and conditions of the policy will be a part of the policy
documents.

Signature : Date :

Name :

CNIC # :

Address :

Illustration Version No. 1.0 Illustration Report Prepared on 27-Apr-17 Time : 1:04 PM Page 5 of 5
 ADAMJEE LIFE ASSURANCE COMPANY LTD.
Historical Investment Performance
(For Unit linked Products only)
Historical Performance:

The historical performance of ADAMJEE LIFE ASSURANCE COMPANY LTD.s Fund are as follows:

Fund Name : INVESTMENT SECURE FUND (SA) Launch Date : 09-June-2011

Fund Category : Debt Risk Profile : Low to Medium
Year 2012 2013 2014 2015 2016
Yearly Returns 14.59% 8.94% 15.70% 12.49% 6.24%
Average Return since inception (2011) of the fund: 13.79%

Fund Name : INVESTMENT MULTIPLIER FUND Launch Date : 09-June-2011

Fund Category : Equity Risk Profile : Medium
Year 2012 2013 2014 2015 2016
Yearly Returns 24.44% 14.51% 18.74% 12.16% 22.70%
Average Return since inception (2011) of the fund: 24.39%

Fund Name : AMAANAT FUND Launch Date : 15-Nov-2012

Fund Category : Equity Risk Profile : Medium

Year 2012 2013 2014 2015 2016

Yearly Returns N/A 8.97% 11.03% 7.92% 15.38%
Average Return since inception (2012) of the fund: 12.33%
Fund Name : INVESTMENT DIVERSIFIER FUND Launch Date : 10-Nov-2011
Fund Category : Debt Risk Profile : Low to Medium
Year 2012 2013 2014 2015 2016
Yearly Returns 9.85% 7.48% 7.37% 5.33% 5.51%
Average Return since inception (2011) of the fund: 7.88%
Fund Name : INVESTMENT SECURE FUND II (IFL) Launch Date : 01-Dec-2011
Fund Category : Debt Risk Profile : Low to Medium
Year 2012 2013 2014 2015 2016
Yearly Returns 16.74% 9.16% 15.55% 12.78% 6.24%
Average Return since inception (2011) of the fund: 15.19%
Fund Name : DYNAMIC GROWTH FUND Launch Date : 19-Jul-2016
Fund Category : Equity Risk Profile : Medium
Year 2012 2013 2014 2015 2016
Yearly Return N/A N/A N/A N/A 9.42%
Average Return since inception (2016) of the fund: 20.85%

Fund Name : DYNAMIC SECURE FUND Launch Date : 19-Jul-2016

Fund Category : Debt Risk Profile : Low to Medium
Year 2012 2013 2014 2015 2016
Yearly Return N/A N/A N/A N/A 8.17%
Average Return since inception (2016) of the fund: 8.17%

Declaration by Sales Representative:

I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this funds historical
investment performance presentation. I also confirm that I have not misled or deceived the prospective client in any way.

Signature : Date :

Name of Sale Representative : Code No. :