^ Conditions apply.

^# The above exemption is as per the Income Tax Act 1961 and is subject to change as per amendments made from time to time.

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Terms and Conditions

Insurance is the subject matter of solicitation.

Disclaimer

Insurance products are obligations only of the Insurance Company. They are not bank deposits or obligations of or guaranteed by Citibank N.A., Citigroup Inc., or any of its affiliates or subsidiaries or any Governmental agency. All Claims under the policy will be solely decided upon by the Insurance Company. Citibank, Citigroup or any of their affiliates and group entities hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever. Insurance is the subject matter of solicitation. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation.

This webpage is intended only for Citibank customers. Any and all facilities/services/offers mentioned on this webpage are subject to specific Citibank N.A. Terms and Conditions. You are advised to contact Citibank N.A. to obtain and understand the applicable Terms and Conditions and/or any questions you may have with regard to any information contained on this webpage. Citibank N.A. does not guarantee the accuracy, adequacy or completeness of any information on this webpage and is not responsible for any errors or omissions or for results obtained from the use of such information as contained on this webpage. Citibank N.A., Citigroup and/or any of their affiliates/associates have no liability whatsoever to any person on account of the use of information provided herein and the said information is provided on a best-effort basis. Citibank has the right to modify or drop facilities/services/offers mentioned on this webpage at any time without assigning any reason whatsoever.

IRS Circular 230 Disclosure: Citigroup Inc., its affiliates and its employees are not in the business of providing tax or legal advice to any taxpayer outside of Citigroup Inc. and its affiliates. This form and any attachments are not intended or written to be used and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Tax benefits are subject to changes in the tax laws.

Citibank is a licensed Corporate Agent of Birla Sun Life Insurance Company Limited and Royal Sundaram Alliance Insurance Company Limited under the composite license number 1137144.

This policy is underwritten by Royal Sundaram Alliance Insurance Company Limited with its registered office at No. 21, Patullos Road, Chennai - 600 002. For more details on risk factors, Terms and Conditions please read the sales brochure carefully before concluding the sale.

SECTION 41 OF THE INSURANCE ACT 1938 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 the Policy accept any rebate except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.

2) If any person fails to comply with regulation above, he shall be liable to payment of fine, which may extend to five hundred rupees.