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EbAmB©gr H$s OrdZ C‘§J (bm^ g{hV)

LIC’s Jeevan Umang (With Profits)


(Ag§~Õ, bm^ g{hV AmOrdZ ~r‘m ßbmZ)
(A non-linked, with-profit whole-life assurance plan)

(UIN: 512N312V01)
^mJ - A (Omar) /PART – A (Contd...)
^maVr` OrdZ ~r_m {ZJ_ H$mo ({Ogo `hm§ ~mX _| ""{ZJ_'' H$hm J`m h¡) `hm§ ZrMo g§X{^©V AZwgyMr _| Cpëb{IV àñVmdH$ VWm ~r{_V ì`pŠV go àñVmd VWm KmofUmnÌ Am¡a nhbo àr{_`_
H$s àmpßV hþB© h¡ Am¡a CŠV àñVmd VWm KmofUm nÌ na, Cg_| {Z{hV VWm Cpëb{IV dŠVì`m| g{hV, CŠV àñVmdH$ Am¡a {ZJ_ Ho$ ~rM Bg ~r_o Ho$ AmYma Ho$ ê$n _| gh_{V hmo J`r
h¡& AV: {ZJ_ Bg nm°{bgr Ûmam H$ama H$aVm h¡ {H$ AZwgyMr _| {ZYm©[aV nadVu àr{_`_m| H$s {d{YdV àmpßV hmoZo na Am¡a CgHo$ à{V\$b ñdê$n ~r_m am{e H$m ^wJVmZ {~Zm {H$gr ã`mO
Ho$, {ZJ_ Am¡a {ZJ_ Ho$ emIm H$m`m©b` _|, Ohm§ Bg nm°{bgr Ho$ {bE godm CnbãY H$amB© OmVr h¡, Cg ì`pŠV `m CZ ì`pŠV`m| H$mo {OÝh| dh CŠV AZwgyMr H$s eVm] Ho$ AZwgma Xo`
hmo, {ZJ_ H$mo Bg ~mV H$m g§VmofOZH$ à_mU àñVwV H$aZo na H$aoJm {H$ AZwgyMr Ho$ eVm] Ho$ AZwgma {hVbm^ Xo` hmo JE h¢ Am¡a CgH$m Xmdm H$aZo dmbm/dmbo CŠV ì`pŠV CgH$m/CgHo$
hH$Xma h¡ Am¡a àñVmd nÌ _| C[ëb{IV ~r{_V ì`pŠV H$s C_« ghr h¡ `{X nhbo go ñdrH¥$V Z hmo&
Am¡a EVX²Ûmam `h ^r Kmo{fV {H$`m OmVm h¡ {H$ `h ~r_m nm°{bgr BgHo$ nrN>o H$s Va\$ N>nr n[a^mfmAm|, {hVbm^m|, godm àXmZ H$aZo go g§~§{YV eVm], AÝ` {Z`_m| Am¡a eVm] VWm d¡Ym{ZH$
àmdYmZm| Am¡a {ZåZ{b{IV AZwgyMr VWm {ZJ_ Ûmam bJmE JE àË`oH$ n¥îR>m§H$Z {Ogo nm°{bgr H$m A§J _mZm OmEJm, Ho$ {df`mYrZ hmoJr&
THE LIFE INSURANCE CORPORATION OF INDIA (hereinafter called “the Corporation”) having received a Proposal along with Declaration and the first premium from the
Proposer and the Life Assured named in the Schedule referred to herein below and the said Proposal and Declaration with the statements contained and referred to therein
having been agreed to by the said Proposer and the Corporation as basis of this assurance do by this Policy agree, in consideration of and subject to the due receipt of the
subsequent premiums as set out in the Schedule, to pay the Benefits, but without interest, at the Branch Office of the Corporation where this Policy is serviced to the person or
persons to whom the same is payable in terms of the said Schedule, on proof to the satisfaction of the Corporation of the Benefits having become payable as set out in this Policy
Document, of the title of the said person or persons claiming payment and of the correctness of the age of the Life Assured stated in the Proposal if not previously admitted.
And it is hereby declared that this Policy of Assurance shall be subject to the Definitions, Benefits, Conditions Related To Servicing Aspects, Other Terms And Conditions and
Statutory Provisions printed on the back hereof and that the following Schedule and every endorsement placed on the Policy by the Corporation shall be deemed part of the Policy.

_ÊS>b H$m`m©b` / DIVISIONAL OFFICE: Vm{bH$m / SCHEDULE emIm H$m`m©©b` / BRANCH OFFICE:
nm°{bgr g§.: n[anŠdVm H$s {V{W: àr{_`_ ^wJVmZ H$s Xo` {V{W:
Policy No.: Date of Maturity: Due date of premium:
nm°{bgr H$s Ama§^ {V{W: ‘yb ~r‘m am{e (`): àr{_`_ Ho$ ^wJVmZ H$m ‘mܶ‘:
Date of Commencement Basic Sum Assured (Rs.): Mode of payment of premium:
of Policy: ‘yb nm°{bgr Ho$ {bE ‘yb nm°{bgr Ho$ {bE
Omo{I_ H$s$Ama§^ {V{W: àr{‘¶‘ {H$ñV (`): A§{V‘ àr{‘¶‘ H$s Xo¶ {V{W:
Date of Commencement Instalment Premium for
Due Date of Payment of
of Risk: Base Policy (Rs.):
Last premium for Base Policy:
ßbmZ VWm nm°{bgr Ad{Y: Hw$b àr{_`_ {H$ñV (`):
Plan & Policy Term: Total Instalment Premium (Rs.): ~r{_V ì`pŠV H$s OÝ_ {V{W:
Date of birth of the Life Assured:
àr{_`_ ^wJVmZ Ad{Y: (godm H$a VWm/`m g_`-g_` na
Premium Paying Term:
bmJy AÝ` H$a A{V[aŠV {bE OmE§Jo ~r{_V ì`pŠV H$s C_«:
(Service tax and/ or any other Age of the Life Assured:
àW_ CÎmaOr{d {hVbm^ ^wJVmZ H$s {V{W: Tax as applicable from time to
Date of first Survival time is charged extra) Š`m C_« ñdrH¥$V h¡?
Benefit Payment: Whether age Admitted?

H«$‘ g§. MwZm J¶m amBS>a/ ¶yAmB©EZ/ amBS>a ~r‘m am{e/ amBS>a Ho$ àr{_`_ H$s {H$ñV/ amBS>a Ho$ {bE A§{V_ àr{_`_ Ho$ amBS>a H$s g‘mpßV H$s {V{W/
Sr. Rider Opted UIN Rider Sum Assured Instalment Premium
^wJVmZ H$s Xo` {V{W/ Date of rider
Due date of payment of last
No. for Rider termination
premium for Rider
1

ZmoQ>: MwZo VWm D$na CëboI {H$E JE amBS>a(g©) H$s eVm] H$mo nm°{bgr Ho$ n¥ð>m§H$Z Ho$ ê$n _| em{_b {H$`m J`m h¡&
Note: Conditions of the rider(s) opted and mentioned above are enclosed as endorsement to the policy.
~r_m A{Y{Z`_, 1938 H$s Ymam 39 Ho$ A§VJ©V Zm{_V ì`pŠV H$m Zm_ /
Name of Nominee under Section 39 of the Insurance Act, 1938:
¶{X Zm{‘V Ad¶ñH$ h¡, Vmo {Z¶w³V ì¶p³V H$m Zm‘: /
If nominee is a minor, name of the Appointee:

àñVmd g§.: / Proposal No.: àñVmd H$s {V{W: / Date of Proposal: nm°{bgr Omar H$aZo H$s {V{W: / Date of issuance {hVbm^ CXmhaU g§X^© g§.: / Benefit
of policy: Illustration Reference No.:

àñVmdH$ H$m Zm‘ Am¡a nVm: / Name and address of Proposer: ~r{‘V ì¶p³V H$m Zm‘ Am¡a nVm: / Name and address of Life Assured:

~r_m A{Y{Z`_, 1938 H$s Ymam 38 Ho$ A§VJ©V àñVmdH$ `m ~r{_V ì`pŠV `m CgHo$ g_ZwXo{eV AWdm ~r_m A{Y{Z`_ 1938 H$s
Ymam 39 Ho$ A§VJ©V Zm{_V ì¶p³V AWdm à_m{UV {ZînmXH$ `m àemgH$ `m AÝ` d¡Ym{ZH$ à{V{Z{Y ì¶p³V {OÝhm|Zo CgH$s gånXm `m
Bg nm°{bgr Ho$ A§VJ©V Xo` am{e _mÌ Ho$ {bE ^maV g§K Ho$ {H$gr amÁ` `m g§K em{gV àXoe Ho$ {H$gr Ý`m`mb`, Omo ^r bmJy hmo,
bm^mWu {Ogo {hVbm^ Xo¶ h¢ go AnZo à{V{Z{Y hmoZo H$m à_mUnÌ àmßV {H$`m hmoJm&
Beneficiary to whom Benefits payable
The proposer or the Life Assured or his Assignee under section 38 of the Insurance Act 1938 or Nominees under
Section 39 of the Insurance Act 1938 or proved Executors or Administrators or other Legal Representatives who
should take out representation to his/ her Estate or limited to the moneys payable under this Policy from any Court
of any State or Territory of the Union of India, as applicable.
àr{‘¶‘ Xo`Vm H$s Ad{Y A§{V_ àr{_`_ Ho$ ^wJVmZ H$s {d{Z{X©ï> Xo` {V{W VH$ `m ~r{_V ì`pŠV H$s Cggo nyd© _¥Ë`w hmoZo VH$&
Period during which premiums payable Till the stipulated due date of payment of last premium or earlier death of the Life Assured.
àr{‘¶‘ Xo`Vm H$s {V{W`m§ {d{Z{X©ï> Xo` {V{W ...................... H$mo
Dates when premium payable On the stipulated due date in …………….....

{ZJ‘ Ho$ {bE C³V Cpëb{IV emIm H$m¶m©b¶ na hñVmj[aV, {OgH$m nVm A§{V‘ n¥îR> na {X¶m J¶m h¡ VWm {Og na nm°{bgr go g§~§{YV g^r nÌmMma ^oOo OmZo Mm{hE &
Signed on behalf of the Corporation at the above mentioned Branch Office, whose address is given on the last page and to which all communications
relating to the policy should be addressed.

{XZm§H$ / Date:
Om§MH$Vm© / Examined by: H¥$Vo ‘w»¶/d[aîR>/emIm à~§YH$
’$m°‘© Z§. / Form No.: p. Chief / Sr./ Branch Manager

EOoÝgr H$moS> EOoÝgr H$m Zm‘ EOoÝQ> H$m ‘mo~mBb Z§~a/b¢S>bmBZ Z§~a
Agency Code Agency Name Agent’s Mobile Number/Landline Number
^mJ-~: n[a^mfmE§ PART – B: DEFINITIONS

nm°{bgr XñVmdoO _| à`wŠV eãXm|/eãXmdbr H$s n[a^mfmE§ {ZåZmZwgma h¢: The definitions of terms/words used in the Policy Document are
as under:
1. C_« H$m AW© nm°{bgr Ho$ Ama§^ hmoVo g_` ~r{_V ì`pŠV Ho$ ZµOXrH$s OÝ_{XZ
1. Age is the age nearest birthday of the Life Assured at the time of
na C_« go h¡& commencement of the policy.
2. {Z`wŠV-ì`pŠV (Enm°BÝQ>r) dh ì`pŠV h¡ {Ogo nm°{bgr Ho$ A§VJ©V gwa{jV Xmdo 2. Appointee is the person to whom the proceeds/benefits secured
Ho$ ^wJVmZ H$s {V{W H$mo, Zm{_V Ho$ Zm~m{bJ hmoZo VWm Cgo Xmdo H$s am{e Xo` under the Policy are payable if the benefit becomes payable to the
hmoZo na dh am{e/{hVbm^ Xo` hmoVr h¡& nominee and nominee is minor as on the date of claim payment.
3. dm{f©H$sH¥$V àr{_`_ EH$ nm°{bgr df© _| Hw$b Xo` àr{_`_ am{e h¡ Omo {H$ 3. Annualized Premium is the total amount of premium payable in a
~r_mboIZ g§~§Yr {ZU©`m| Ho$ H$maU dm{f©H$ _mÜ`_ go {^ÝZ ^wJVmZ Ho$ _mÜ`_ policy year excluding extra amount if charged under the policy due
Ho$ {bE bmoqS>J VWm amBS>a àr{_`_m|, AJa H$moB© hmo, Ho$ H$maU br OmZodmbr to underwriting decisions, loading for mode of payment for other
than yearly mode and rider premium, if any.
{H$gr A{V[aŠV am{e H$mo N>mo‹S>H$a h¡&
4. Assignee is the person to whom the rights and benefits are
4. g_mZwXo{eVr dh ì`pŠV h¡ {Ogo g_ZwXoeZ Ho$ \$bñdê$n nm°{bgr Ho$ A{YH$ma transferred by virtue of an Assignment.
VWm {hVbm^ hñVm§V[aV {H$E OmVo h¢&
5. Assignment is the process of transferring the rights and benefits
5. g_ZwXoeZ g_`-g_` na `Wm g§emo{YV ~r_m A{Y{Z`_ 1938 H$s Ymam 38 to an “Assignee”. Assignment should be in accordance with the
Ho$ A§VJ©V ""g_mZwXo{eVr'' Ho$ nj _| nm°{bgr Ho$ A{YH$mam| VWm {hVbm^m| Ho$ provisions of Section 38 of Insurance Act, 1938, as amended from
ñWmZmÝV[aV hmoZo H$s à{H«$`m h¡& time to time.

6. _yb nm°{bgr nm°{bgr H$m dh ^mJ h¡ {Og_| _yb {hVbm^ H$m CëboI {H$`m J`m 6. Base Policy is that part of the Policy referring to basic benefit
(benefits referred to in this Policy Document excluding benefits
hmo (Bg nm°{bgr XñVmdoO _| amBS>a Ho$ A§VJ©V g§a{jV {hVbm^m| `{X MwZm J`m
covered under Rider(s), if opted for).
hmo, H$mo N>mo‹S>H$a, AÝ` {hVbm^)
7. Beneficiary means the person who is entitled to receive
7. bm^mWu H$m AW© Eogo ì`pŠV go h¡ Omo Bg nm°{bgr Ho$ A§VJ©V {hVbm^m| H$mo àmßV benefits under this Policy. The Beneficiary may be proposer or
H$aZo H$m nmÌ h¡& bm^mWu, àñVmdH$ `m ~r{_V ì`pŠV `m CgH$m g_mZwXo{eVr Life Assured or his Assignee or Nominees or proved Executors
`m Zm{_V ì`pŠV `m à_m{UV {ZînmXH$ `m àemgH$ `m H$moB© AÝ` d¡Ym{ZH$ or Administrators or other Legal Representatives as the case
à{V{Z{Y, O¡gr ^r pñW{V hmo, hmo gH$Vm h¡& may be.

8. {ZJ_ H$m AW© EbAmB©gr A{Y[Z`_ 1956 H$s Ymam 3 Ho$ A§VJ©V ñWm{nV 8. Corporation means the Life Insurance Corporation of India
^maVr` OrdZ ~r_m {ZJ_ go h¡& established under Section 3 of the LIC Act, 1956.
9. Date of commencement of policy is the start date of this Policy.
9. nm°{bgr Ho$ Ama§^ hmoZo H$s {V{W H$m AW© Bg nm°{bgr Ho$ àmaå^ hmoZo H$s
{V{W h¡& 10. Date of commencement of risk is the date on which the
Corporation accepts the risk for insurance (cover) as evidenced
10. Omo{I_ Ho$ Ama§^ hmoZo H$s {V{W dh {V{W h¡ O~ {ZJ_ ~r_m hoVw nm°{bgr H$s in the schedule of the policy.
Vm{bH$m Ho$ AZwgma Omo{I_ (g§ajU) H$mo ñdrH$ma H$a boVm h¡&
11. Date of issuance of policy is a date when a proposal after
11. nm°{bgr Ho$ Omar hmoZo H$s {V{W dh {V{W h¡ O~ ~r_mboIZ Ho$ ~mX àñVmd H$mo underwriting is accepted as a policy and this contract gets
nm°{bgr Ho$ ê$n _| ñdrH$ma {H$`m OmVm h¡ Am¡a `h g§{dXm à^mdr hmo OmVr h¡& effected.

12. n[anŠdVm H$s {V{W go VmËn`© AZwgyMr _| {d{ZYm©[aV dh {V{W h¡, O~ n[anŠdVm 12. Date of maturity means the date specified in the Schedule
{hVbm^ nm°{bgrYmaH$ H$mo Xo` hmo OmVo h¢& on which the Maturity Benefit shall become payable to the
policyholder.
13. {Z{hV hmoZo H$s {V{W (Ho$db V^r bmJy AJa nm°{bgr Ho$ Ama§^ hmoZo H$s {V{W 13. Date of vesting (applicable only if the age of the Life Assured
H$mo ~r{_V ì`pŠV H$s C_« 18 df© go H$_ hmo) dh {V{W h¡, {Og na OrdZ is below 18 years on the date of commencement of policy) is
~r{_V Bg nm°{bgr àboI Ho$ ^mJ g H$s eV© 5 _| ì`ŠV AZwgma nm°{bgr bm^m| the date from which the Life Assured becomes entitled to the
H$m/H$s nmÌ ~Z OmVm/OmVr h¡& policy benefits as specified in Condition 5 of Part C of this Policy
Document.
14. _¥Ë`w {hVbm^ H$m AW© g§{dXm Ho$ Ama§^ Ho$ g_` gh_V {hVbm^ go h¡, Omo
{H$ ~r{_V ì`pŠV H$s _¥Ë`w H$s Xem _| Xo` h¡& 14. Death Benefit means the benefit, agreed at the inception of the
contract, which is payable on death of Life Assured
15. {S>ñMmO© \$m°_© nm°{bgrYmaH$/XmdoXma Ûmam nm°{bgr Ho$ A§VJ©V n[anŠdVm/
Aä`n©U/_¥Ë`w na àmßV hmoZo dmbo {hVbm^ H$m Xmdm H$aZo Ho$ {bE ^am OmZo 15. Discharge form is the form to be filled by policyholder / claimant
to claim the maturity / surrender / death benefit under the policy.
dmbm \$m°_© h¡&
16. Due Date means a fixed date on which the policy premium is due
16. Xo` {V{W H$m AW© dh {ZYm©[aV {V{W h¡ O~ nm°{bgr àr{_`_ Xo` VWm nm°{bgrYmaH$ and payable by the policyholder.
Ûmam ^wJVmZ `mo½` hmo&
17. Endorsement means conditions attached / affixed to this Policy
17. n¥îR>m§H$Z H$m AW© {ZJ_ Ûmam {H$Ýhr§ gh_V `m Omar g§emoYZm| `m AmemoYZm| H$mo incorporating any amendments or modifications agreed to or
Bg nm°{bgr _| em{_b H$aZo Ho$ {bE g§b½Z/Omo‹S>r JB© eVm] go h¡& issued by the Corporation.

18. A§{V_ A{V[aŠV ~moZg, {Ogo g_mpßV ~moZg ^r H$hm OmVm h¡, nm°{bgr Ho$ 18. Final Additional Bonus, also called as Terminal Bonus, is an
A§VJ©V, AJa bmJy hmo, nm°{bgr H$s g_mpßV na Xo` {hVbm^m| Ho$ gmW A{V[aŠV additional amount payable along with the benefits on termination
of the policy, if applicable.
am{e h¡&
19. Foreclosure is an action of closing the policy due to default in
19. nyd© g_mpßV EH$ {H«$`m h¡, {Og_| ~H$m`m F$U `m F$U na ã`mO H$mo Xo` {V{W payment of outstanding loan and / or loan interest on due date.
na Z O_m {H$`o OmZo na nm°{bgr H$mo nyd© g_mßV H$a {X`m OmVm h¡&
20. Free Look Period is the period of 15 days from the date of receipt
20. ’«$s bwH$ nr[a¶S> nm°{bgr XñVmdoO H$s àmpßV go 15 {XZm| H$s nr[a¶S>, Bg nm°{bgr of the Policy Document by the Policyholder to review the terms
Ho$ {Z`_m| VWm eVm] H$s g_rjm H$aZo Ho$ {bE h¡, Am¡a AJa nm°{bgrYmaH$ CZ and conditions of this policy and where the Policyholder disagrees
{Z`_m| VWm eVm] _| go {H$gr go Agh_V hmo, Vmo CgHo$ nmg Bg nm°{bgr H$mo to any of those terms and conditions, he / she has the option to
bm¡Q>mZo H$m {dH$ën h¡ O¡gm {H$ ^mJ X H$s eV© 7 _| d{U©V h¡& return this policy as detailed in Condition 7 of Part D.

21. [a`m`Vr nr[a¶S> `h àr{_`_ H$s Xo` {V{W go ~r_mH$Vm© Ûmam {X`m J`m ^wJVmZ 21. Grace period is the time granted by the insurer from the due
date for the payment of premium, without any penalty / late fee,
hoVw dh g_` h¡ {OgHo$ Xm¡amZ {~Zm {H$gr Ow_m©Zo/{dbå~ ewëH$ Ho$ àr{_`_ H$m
during which time the policy is considered to be inforce with the
^wJVmZ {H$`m Om gH$Vm h¡ VWm nm°{bgr eVm] Ho$ AZwgma Omo{I_ g§ajU {~Zm insurance cover without any interruption as per the terms of
{H$gr ì`dYmZ Ho$ à^mdr ahoJm& the policy.
22. Jma§Q>rS> Aä`n©U _yë` nm°{bgr Ho$ Aä`n©U {H$E OmZo na nm°{bgrYmaH$ H$mo AXm 22. Guaranteed Surrender Value is the minimum guaranteed amount
{H$E OmZo dmbo Aä`n©U _yë` H$s Ý`yZV_ Jma§Q>rS> am{e h¡& of Surrender Value payable to the policyholder on surrender of
the policy.
23. nyU©V: à^mdr H$m AW© `h h¡ {H$ nm°{bgr Ho$ A§VJ©V g^r Xo` àr{_`_ H$m Xo`
{V{W go nhbo `m [a`m`Vr Ad{Y _| ^wJVmZ H$a {X`m J`m h¡& 23. Inforce policy means a policy in which all the due premiums have
been paid and the premiums are not outstanding.
24. AmB©AmaS>rEAmB© H$m AW© h¡ B§í`moaoÝg ao½`wboQ>ar E§S> S>oìbn_oÝQ> AWm°[aQ>r Am°\$
24. IRDAI means Insurance Regulatory and Development Authority
B§{S>`m nhbo Bgo B§í`moaoÝg ao½`wboQ>ar E§S> S>oìbn_oÝQ> AWm°[aQ>r (AmB©AmaS>rE) H$hm of India earlier called as Insurance Regulatory and Development
OmVm Wm& Authority (IRDA).
25. H$mbmVrV (b¡ßg) nm°{bgr H$s dh Xem h¡ O~ [a`m`Vr Ad{Y Ho$ Xm¡amZ Xo` 25. Lapse is the status of the Policy when due premium is not paid
àr{_`_ H$m ^wJVmZ Zht {H$`m OmVm h¡& within the grace period.
26. ~r{_V ì`pŠV dh ì`pŠV h¡ {OgHo$ OrdZ na ~r_m g§ajU {b`m J`m h¡& 26. Life Assured is the person on whose life the insurance cover has
been accepted.
27. G$U {ZJ_ Ûmam nm°{bgrYmaH$ H$mo nm°{bgr na Xo` Aä`n©U _yë` na àXmZ H$s 27. Loan is the interest bearing repayable amount granted by
J`r ã`mO`wŠV bm¡Q>m`r OmZo dmbr am{e h¡& the Corporation against the surrender value payable to the
policyholder.
28. n[anŠdVm {hVbm^ H$m AW© dh {hVbm^ h¡ Omo {H$ n[anŠdVm Ad{Y H$s g_mpßV
28. Maturity Benefit means the benefit, which is payable on maturity
na Xo` h¡, AJa ~r{_V ì`pŠV nm°{bgr H$s n[anŠdVm H$s {V{W VH$ Or{dV
i.e. at the end of the policy term on life assured surviving the
ahVm h¡& stipulated Date of Maturity.
29. _hÎdnyU© OmZH$mar dh OmZH$mar h¡ Omo {H$ nm°{bgr n«mßV H$aVo g_` ~r{_V 29. Material information is the information already known to the Life
ì`pŠV H$mo nhbo go kmV Wr, {OgH$m àñVwV {H$E JE àñVmd/nm°{bgr Ho$ Assured at the time of obtaining a policy which has a bearing on
~r_mboIZ na à^md hmoVm h¡& underwriting of the proposal / Policy submitted.
30. Ad`ñH$ `m Zm~m{bJ dh ì`pŠV h¡ {OgZo 18 df© H$s C_« nyar Z H$s hmo& 30. Minor is a person who has not completed 18 years of age.
31. Zm_m§H$Z {H$gr ì`pŠV H$mo ""Zm{_V'' H$aZo Ho$ {bE àñVmd ànÌ _| `m ~mX 31. Nomination is the process of nominating a person who is
_| n¥îR>m§H$Z Ûmam em{_b H$aZo/~XbZo H$s à{H«$`m h¡& g_`-g_` na `Wm named as “Nominee” in the proposal form or subsequently
g§emo{YV ~r_m A{Y{Z`_ 1938 H$s Ymam 39 Ho$ àmdYmZ Ho$ AZwgma Zm_m§H$Z included / changed by an endorsement. Nomination should be in
accordance with provisions of Section 39 of the Insurance Act,
{H$`m OmZm Mm{hE& 1938 as amended from time to time.
32. Zm_m§{H$V Bg nm°{bgr Ho$ A§VJ©V nm°{bgrYmaH$ Ûmam Zm_m§{H$V dh ì`pŠV hmoVm 32. Nominee is the person nominated by the Life Assured under
h¡, Omo Bg nm°{bgr Ho$ A§VJ©V Xo` Xmdm bm^ àmßV H$aZo hoVw A{YH¥$V hmoVm/ this Policy who is authorized to receive the claim benefit payable
hmoVr h¡ Am¡a Xmdo Ho$ {ZnQ>mZ na {ZJ_ H$mo _mÝ` _wpŠV àXmZ H$aVm/H$aVr h¡& under this Policy and to give a valid discharge to the Corporation
33. à{V^mJr H$m AW© h¡ {ZJ_ Ho$ AZw^d Ho$ AmYma na nm°{bgr _wZm\o$ _| ^mJrXmar on settlement of the claim.
H$m nmÌ h¡& 33. Participating means the Policy is eligible for share of profit
depending upon the Corporation’s experience.
34. MwH$Vm nm°{bgr H$s dh pñW{V h¡, O~ H$_ go H$_ nyao 3 dfm] VH$ àr{_`_ H$m
^wJVmZ AXm {H$`m J`m hmo Am¡a nadVu àr{_`_ H$m ^wJVmZ Zht {H$`m J`m hmo& 34. Paid - Up is the status of the Policy, if the premiums are paid for
at least 3 full years and subsequent due premium/s be not paid.
35. nm°{bgr df©Jm§R> H$m AW© nm°{bgr Ho$ Ama§^ hmoZo H$s {V{W go EH$ df© ~mX H$s
35. Policy Anniversary means one year from the date of
{V{W VWm CgHo$ ~mX n[anŠdVm {V{W VH$ ha df© ~mX AmZodmbr àË`oH$ Cg
commencement of the Policy and the same date falling each year
{V{W go h¡& thereafter, till the date of maturity.
36. nm°{bgr/nm°{bgr XñVmdoO H$m AW© n¥îR>m§H$Zm|, AJa H$moB© hm|, g{hV {ZJ_ Ûmam 36. Policy/Policy Document means this document along with
Omar dh XñVmdoO h¡ Omo {H$ nm°{bgrYmaH$ VWm {ZJ_ Ho$ ~rM EH$ d¡Ym{ZH$ endorsements, if any, issued by the Corporation which is a legal
AZw~§Y hmoVm h¡& contract between the Policyholder and the Corporation.
37. nm°{bgrYmaH$ Bg nm°{bgr H$m H$mZyZr _m{bH$ h¡& 37. Policyholder is the legal owner of this policy.
38. nm°{bgr Ad{Y dfm] Ho$ ê$n _|, nm°{bgrYmaH$ Ûmam MwZo AZwgma Ed§ AZwgyMr _| 38. Policy term is the period, in years, as chosen by the policyholder
d{U©V AZwgma dh Ad{Y h¡, Omo AZwgyMr _| {Z{X©ï> nm°{bgr H$s àma§^ Ad{Y and as specified in the Schedule, commencing from the Date of
go ewê$ hmoVr h¡& commencement of policy.
39. Policy year is the period between two consecutive policy
39. nm°{bgr df© Xmo bJmVma nm°{bgr df©Jm§R>m| Ho$ ~rM H$s Ad{Y h¡& Bg Ad{Y _|
anniversaries. This period includes the first day and excludes the
nhbm df©Jm§R> H$m {XZ em{_b h¡ VWm AJbr nm°{bgr df©Jm§R> H$m {XZ em{_b next policy anniversary day.
Zht h¡&
40. Premium is the contractual amount payable by the Policyholder
40. àr{_`_ nm°{bgr Ho$ A§VJ©V {hVbm^m| H$mo gwa{jV H$aZo Ho$ {bE Bg nm°{bgr at specified times periodically as mentioned in the schedule of
XñVmdoO H$s AZwgyMr _| Cpëb{IV {d{ZYm©[aV g_`m| na Amd{YH$ ê$n go this Policy Document to secure the benefits under the policy.
nm°{bgrYmaH$ Ûmam AXm H$s OmZo dmbr g§{dXmJV am{e h¡& AXm {H$`m OmZo dmbm The premium payable will be “Total Instalment Premium” which
àr{_`_ hmoJm ""Hw$b {H$ñV àr{_`_'', {Og_| em{_b hmoJm includes

• _yb nm°{bgr Ho$ {bE {H$ñV àr{_`_ VWm • Instalment Premium for Base Policy and

• amBS>a Ho$ {bE {H$ñV àr{_`_, AJa amBS>a H$mo MwZm J`m hmo • Instalment Premium for Rider(s), if rider(s) has been opted
for.
Bg nm°{bgr H$mJOmV _| H$ht ^r BñVo_mb {H$E JE "àr{_`_' eãX _| {H$gr
The term ‘Premium’ used anywhere in this Policy Document does
àH$ma Ho$ H$am| H$mo em{_b Zht {H$`m J`m h¡, Omo AbJ go Xo` h¢& not include any taxes which is payable separately.
41. àr{_`_ ^wJVmZ Ad{Y dfm] go dh Ad{Y h¡, {OgHo$ Xm¡amZ àr{_`_ H$m ^wJVmZ 41. Premium paying term means the period, in years, during which
{H$`m OmZm h¡& premium is payable.
42. {ZaÝVa ~r_m `mo½`Vm H$m à_mU `h nm°{bgrYmaH$ go _m§Jr OmZodmbr OmZH$mar 42. Proof of continued insurability is the information sought from
h¡ Vm{H$ nm°{bgr Ho$ nwZM©bZ H$m {ZU©` {b`m Om gHo$& Bg_| CÎm_ ñdmñÏ` H$s the policyholder to decide revival of the policy. This includes Form
KmofUm, _o{S>H$b [anmoQ²>©g, {deof [anmoQ²>©g Am{X em{_b h¢& of declaration of Good Health, Medical Reports, Special Reports,
etc.
43. àñVmdH$ dh ì`pŠV h¡ Omo OrdZ ~r_m boZo H$m àñVmd XoVm h¡&
43. Proposer is a person who proposes the life insurance proposal.
44. nwZM©bZ H$m AW© àr{_`_ H$m ^wJVmZ Z {H$E OmZodmbr nm°{bgr H$mo, g^r Xo`
44. Revival of a policy which was discontinued due to the non-payment
àr{_`_ VWm AÝ` à^mam|/{dbå~ ewëH$, AJa H$moB© hmo, nm°{bgr Ho$ {Z`_m|
of premium, means restoration of the policy by the insurer as per
d eVm] Ho$ AZwgma àmßV hmoZo VWm nm°{bgrYmaH$ Ûmam _m¡OyXm ~r_mboIZ underwriting decision, upon the receipt of all the premium due and
{Xem{ZX}em| Ho$ AZwgma àñVwV OmZH$mar, H$mJOmVm| VWm [anmoQ²>©g Ho$ AmYma na other charges/late fee, if any, as per the terms and conditions of
~r_mYmaH$ H$s {ZaÝVa ~r_m`mo½`Vm Ho$ ~mao _| g§Vwï> hmoZo na ~r_mH$Vm© Ûmam the policy, upon being satisfied as to the continued insurability
nm°{bgr H$mo nm°{bgr XñVmdoO _| CëboI {H$E JE g_ñV {hVbm^m| H$mo {\$a go of the insured on the basis of the information, documents and
Mmby {H$E OmZo go h¡& reports furnished by the policyholder, in accordance with the then
existing underwriting guidelines.
45. nwZM©bZ Ad{Y BgH$m AW© nm°{bgr Ho$ Aà^mdr hmoZo H$s {V{W go bJmVma Xmo
dfm] H$s Ad{Y h¡, {Og Ad{Y Ho$ Xm¡amZ nm°{bgrYmaH$ nm°{bgr H$mo nwZ:àMm{bV 45. Revival Period is the period of two consecutive years from the
H$aZo H$m nmÌ h¡, {Ogo àr{_`_ H$m ^wJVmZ Z {H$E OmZo Ho$ H$maU Aà^mdr date of discontinuance of the policy, during which period the
policyholder is entitled to revive the policy which was discontinued
H$a {X`m J`m hmo& due to the non-payment of premium.
46. amBS>a EH$ _yë`d{Õ©V {hVbm^ h¡& Bg nm°{bgr Ho$ A§VJ©V {d{ZYm©[aV {H$E JE 46. Rider is an add-on benefit in addition to basic benefits as specified
AZwgma _yb {hVbm^m| Ho$ gmW Omo‹S>m J`m h¡& under this Policy Document.
47. amBS>a àr{_`_ nm°{bgrYmaH$ Ûmam _yb nm°{bgr Ho$ A§VJ©V Xo` àr{_`_ Ho$ gmW 47. Rider Premium is the premium payable by the policyholder along
amBS>a Ho$ A§VJ©V MwZo JE A{V[aŠV g§ajU/{hVbm^ Ho$ {bE AXm {H$`o OmZodmbm with the premium under Base Policy towards the additional cover/
àr{_`_ h¡, AJa MwZm J`m hmo& benefit opted under the rider, if opted.

48. amBS>a ~r_m am{e dh {ZpíMV aH$_ h¡ Omo {H$ amBS>a Ho$ A§VJ©V g§a{jV KQ>Zm 48. Rider Sum Assured is the assured amount payable on happening
Ho$ K{Q>V hmoZo na, AJa Cgo MwZm J`m hmo, Xo` hmoVr h¡& of a specified event covered under the rider, if opted.

49. AZwgyMr nm°{bgr XñVmdoO H$m EH$ A§J h¡ {Og_| AmnH$s nm°{bgr H$m {deof 49. Schedule is the part of policy document that gives the specific
details of your policy.
{ddaU _m¡OyX h¡&
50. Simple Reversionary Bonus is the surplus/profit added by the
50. gab àË`mdVu ~moZg "bm^ g{hV' nm°{b{g`m| na {ZJ_ Ûmam Omo‹S>m J`m _wZm\$m, Corporation to ‘with-profits’ policies. Under this policy it shall be
Bg nm°{bgr Ho$ A§VJ©V BgH$s KmofUm àr{_`_ ^wJVmZ Ad{Y Ho$ Xm¡amZ àË`oH$ declared per thousand basic Sum Assured at the end of each
{dÎmr` df© Ho$ A§V {ZJ_ Ho$ AZw^d Ho$ AmYma na à{V hOma ~r_m am{e na financial year during the premium paying term based on the
H$s OmEJr& Corporation’s experience.
51. _¥Ë`w na ~r_m am{e n[anŠdVm H$s {d{ZYm©[aV {V{W go nyd© _¥Ë`w na Xo` gw{ZpíMV 51. Sum Assured on Death is the assured amount payable on death
am{e h¡& before the stipulated Date of Maturity.

52. n[anŠdVm na ~r_m am{e dh gH$b am{e h¡ Omo n[anŠdVm na Xo` h¡ {OgH$m 52. Sum Assured on Maturity is the absolute amount payable on
maturity as mentioned in Condition 3 of Part C of this Policy
Bg nm°{bgr XñVmdoO Ho$ ^mJ g H$s eV© 3 _| CëboI {H$`m J`m h¡&
Document.
53. Aä`n©U H$m AW© nyar nm°{bgr H$mo n[anŠdVm go nhbo dmng boZm/g_mßV 53. Surrender means complete withdrawal / termination of the entire
H$aZm h¡& policy before maturity.
54. Aä`n©U _yë` H$m AW©, dh am{e h¡, AJa H$moB© hmo, Omo {H$ Bg nm°{bgr Ho$ 54. Surrender Value means an amount, if any, that becomes payable
{Z`_m| VWm eVm] Ho$ AZwgma Cgo Aä`n©U H$aZo H$s pñW{V _| Xo` hmoVr h¡& in case of surrender in accordance with the terms and conditions
of this policy.
55. {dÚ_mZVm {hVbm^ Bg nm°{bgr XñVmdoO Ho$ ^mJ g H$s eV© 2 Am¡a ^mJ X
H$s eV© 2 _| CëboI H$s JB© Ad{Y`m| Ho$ A§V na ~r{_V ì`pŠV Ho$ Or{dV 55. Survival Benefit is the specified benefit payable on survival of
ahZo na Bg nm°{bgr H$s nm°{bgr Ad{Y Ho$ Xm¡amZ Xo` {d{ZYm©[aV {hVbm^ h¡& the Life Assured at the end of specified durations as mentioned
in Condition 2 of Part C and Condition 2 of Part D of this Policy
56. Vm{bH$m àr{_`_ `h ~r{_V ì`pŠV H$s C_« Ho$ AmYma na MwZr JB© _yb ~r_m Document during the policy term of this policy.
am{e Ho$ {bE àr{_`_ h¡, {Og na H$moB© Ny>Q> `m A{V[aŠV bmoS> Zht bJm`m
56. Tabular premium is the premium for the chosen Basic Sum
J`m h¡& Assured based on the age of the Life Assured without application
57. ~r_mboIZ eãX H$m BñVo_mb Omo{I_ AmH$bZ H$s à{H«$`m H$m dU©Z H$aZo VWm of any rebate or extra loading.
`h gw{ZpíMV H$aZo Ho$ {bE {H$`m OmVm h¡ {H$ g§~§{YV ì`pŠV Ûmam {OZ Omo{I_m| 57. Underwriting is the term used to describe the process of
H$m gm_Zm {H$`m Om ahm h¡, CZHo$ g§ajU Ho$ {bE `h AmZwnm{VH$ bmJV h¡& assessing risk and ensuring that the cost of the cover is
~r_mboIZ Ho$ AmYma na g§ajU H$s ñdrH¥${V `m AñdrH¥${V VWm Cn`wŠV àr{_`_ proportionate to the risks faced by the individual concerned.
`m g§emo{YV eVm] H$mo bmJy {H$E OmZo, AJa H$moB© hmo, Ho$ g§~§Y _| \¡$gbm {b`m Based on underwriting, a decision on acceptance or rejection
OmVm h¡& of cover as well as applicability of suitable premium or modified
terms, if any, is taken.
58. UIN H$m AW© Bg ßbmZ H$mo AmB©AmaS>rEAmB© Ûmam Am~§{Q>V `yZrH$ AmBS>opÝQ>{\$Ho$eZ
Z§~a h¡& 58. UIN means the Unique Identification Number allotted to this plan
by the IRDAI.
59. {Z{hV ~moZg àË`mdVu ~moZg h¡, AJa H$moB© hmo, Omo {H$ Kmo{fV {H$`m Om MwH$m
59. Vested Bonus is the reversionary bonus, if any, which has
h¡ Am¡a nm°{bgr Ho$ gmW Ow‹S>m h¡& already been declared and remains attached to the policy.
60. bm^ g{hV nm°{b{g`m§ H$m VmËn`© Eogr nm°{b{g`m| go h¡, Omo nm°{bgr Ho$ {Z`_m| 60. With Profits policies mean policies which are entitled for any
Am¡a eVm] Ho$ AZwgma nm°{bgr H$s Ad{Y Ho$ Xm¡amZ {ZJ_ H$mo àmßV hmoZo dmbr share in surplus (profits) emerging during the term of the policy in
A{V[aŠV am{e (_wZm\o$) _| ^mJrXmar H$s nmÌ hmoVr h¢& accordance with the terms and conditions of the policy.
^mJ - g: {hVbm^ PART– C: BENEFITS

Bg nm°{bgr Ho$ A§VJ©V {ZåZ{b{IV {hVbm^ Xo` h¢: The following benefits are payable under this policy:

1. _¥Ë`w {hVbm^: 1. Death Benefit:


On death of the Life Assured before the stipulated Date of maturity
~r{_V ì`pŠV H$s n[anŠdVm H$s {ZYm©[aV {V{W go nyd© _¥Ë`w hmoZo na, ~eV]
provided the policy is inforce then:
`Wm{V{W VH$ nm°{bgr nyU©V: à^mdr hmo,
(i) On death before the Date of commencement of Risk: An
(i) Omo{I_ Ho$ Ama§^ hmoZo H$s {V{W go nhbo _¥Ë`w hmoZo na: {~Zm ã`mO ^wJVmZ amount equal to the total amount of premium/s paid without
{H$E JB© àr{_`_m| H$s Hw$b am{e, {Og_| H$moB© A{V[aŠV am{e Omo {H$ interest excluding extra amount if charged under the policy
nm°{bgr Ho$ A§VJ©V ~r_mboIZ {ZU©` Ho$ H$maU à^m{aV H$s JB© hmo VWm due to underwriting decision and rider premium/s, if any, shall
AJa H$moB© hmo, em{_b Zht h¡, Ho$ ~am~a H$s Hw$b am{e H$m ^wJVmZ {H$`m be payable.
OmEJm& On death after the Date of commencement of Risk: Death
(ii)
(ii) Omo{I_ Ho$ Ama§^ hmoZo H$s {V{W Ho$ ~mX _¥Ë`w hmoZo na: _¥Ë`w na {_bZo dmbr Benefit defined as the sum of “Sum Assured on Death”,
aH$_, {Ogo ""_¥Ë`w na ~r_m am{e'' VWm {Z{hV gab àË`mdVu ~moZg Am¡a vested Simple Reversionary Bonus and Final Additional
A§{V_ A{V[aŠV ~moZg, AJa H$moB© hmo, Ho$ Hw$b Ho$ ê$n _| n[a^m{fV {H$`m Bonus, if any, shall be payable.
J`m h¡, Xo` hmoJr& Where “Sum Assured on Death” is highest of
Ohm§ ""_¥Ë`w na ~r_m am{e'' • 10 times of annualized premium; or
• dm{f©H$sH¥$V àr{_`_ H$m 10 JwZm; `m • Sum Assured on Maturity; or
• n[anŠdVm na ~r_m am{e; `m • Basic Sum Assured
• _yb ~r_m am{e _| go Omo ^r A{YH$V_ hmo, h¡& This death benefit shall not be less than 105% of the total
premiums paid excluding extra amount if charged under the policy
_¥Ë`w na {_bZo dmbr `h aH$_ _¥Ë`w H$s {V{W VH$ AXm {H$E JE Hw$b àr{_`_m| due to underwriting decision and Rider(s) premium, if any, as on
Ho$ 105% go H$_ Zht hmoJr& {Og_| H$moB© A{V[aŠV am{e Omo {H$ nm°{bgr Ho$ date of death.
A§VJ©V ~r_mboIZ {ZU©` Ho$ H$maU à^m[aV H$s JB© hmo, Omo {H$ AJa _¥Ë`w H$s
{V{W H$mo _m¡OyX hmo& 2. Survival Benefit: On the life assured surviving to the end of the
premium paying term, provided all due premiums have been paid,
2. {dÚ_mZVm {hVbm^: ~r{_V ì`pŠV Ho$ àr{_`_ ^wJVmZ Ad{Y Ho$ A§V VH$ Or{dV a survival benefit equal to 8% of Basic Sum Assured shall be
ahZo na, ~eV] g^r Xo` àr{_`_ H$m ^wJVmZ H$a {X`m J`m hmo, àË`oH$ df© _yb payable each year. The first survival benefit payment is payable at
~r_m am{e Ho$ 8% Ho$ g_mZ EH$ {dÚ_mZVm {hVbm^ H$m ^wJVmZ {H$`m OmEJm& the end of premium paying term and thereafter on completion of
àW_ {dÚ_mZVm {hVbm^ H$m ^wJVmZ àr{_`_ ^wJVmZ Ad{Y Ho$ A§V na {H$`m each subsequent year till the Life assured survives or till the policy
OmEJm VWm CgHo$ ~mX ~r{_V ì`pŠV Ho$ Or{dV ahZo VH$ àË`oH$ nadVu df© anniversary prior to the date of maturity, whichever is earlier.
`m n[anŠdVm H$s {V{W go nyd© nm°{bgr df©Jm§R> VH$, Omo ^r nhbo hmo& 3. Maturity Benefit: On the Life Assured surviving to the stipulated
Date of Maturity, provided the policy is inforce, “Sum Assured on
3. n[anŠdVm {hVbm^: ~r{_V ì`pŠV Ho$ n[anŠdVm H$s {ZYm©[aV Ad{Y VH$ Or{dV Maturity” along with vested Simple Reversionary Bonuses and
ahZo na, ~eV] nm°{bgr nyU©V: à^mdr hmo, ""n[anŠdVm na ~r_m am{e'' {Z{hV Final Additional Bonus, if any, shall be payable.
gab àË`mdVu ~moZg Am¡a A§{V_ A{V[aŠV ~moZg, AJa H$moB© hmo, Ho$ gmW
Xo` hmoJr& Where “Sum Assured on Maturity” is equal to Basic Sum
Assured.
Ohm§ ""n[anŠdVm na ~r_m am{e'' ~r{_V _yb am{e Ho$ ~am~a h¡&
4. Date of Commencement of Risk (applicable only if the age
4. Omo{I_ Ho$ Ama§^ hmoZo H$s {V{W (`h V^r bmJy h¡ AJa ~r{_V ì`pŠV H$s C_« of the Life Assured is less than 8 years): If the age at entry
8 df© go H$_ h¡): ~r{_V ì`pŠV Ho$ 8 df© go H$_ C_« _| àdoe H$aZo H$s pñW{V of the Life Assured is less than 8 years, the risk under this plan
_|, Bg ßbmZ Ho$ A§VJ©V Omo{I_ H$s ewê$AmV `m Vmo nm°{bgr Ho$ ewê$ hmoZo H$s will commence either one day before the completion of 2 years
{V{W go 2 df© nyao hmoZo go EH$ {XZ nhbo `m 8 df© H$s C_« nyao hmoZo go _ob from the date of commencement of policy or one day before the
ImZo dmbr nm°{bgr df©Jm§R> `m CgHo$ VwaÝV ~mX nS>Zo dmbr nm°{bgr dfm©Jm§R> policy anniversary coinciding with or immediately following the
completion of 8 years of age, whichever is earlier. For those aged
go {XZ nyd©, Omo ^r nhbo hmo go hmoJr& Omo 8 df© `m Cggo µÁ`mXm C_« Ho$ hm|, 8 years or more, risk will commence immediately.
CZHo$ {bE Omo{I_ H$s ewê$AmV VwaÝV hmoJr&
5. Date of Vesting(Applicable only if the age of the Life Assured
5. {Z{hV hmoZo H$s {V{W (Ho$db V^r bmJy, AJa nm°{bgr Ho$ Ama§^ hmoZo H$s {V{W na is below 18 years on the date of commencement of policy):
~r{_V ì`pŠV H$s C_« 18 df© go H$_ hmo): AJa nm°{bgr nyar Vah go à^mdr hmo If the Life Assured is alive on the vesting date and if a request
VWm {Z{hV hmoZo H$s {V{W VH$ ~r{_V ì`pŠV Or{dV hmo Am¡a Bg {Z{hV hmoZo in writing for surrendering the policy has not been received by
H$s {V{W go nhbo nm°{bgr H$s YZam{e hoVw nmÌ ì`pŠV go nm°{bgr H$mo Aä`n©U Corporation before such vesting date from the person entitled
H$aZo Ho$ {bE {b{IV _| AZwamoY àmßV Zht hmoVm h¡ Vmo {Z{hV hmoZo H$s Bg to the policy moneys, this policy shall automatically vest in the
{V{W H$mo AWm©V 18 df© H$s C_« nyar hmoZo go _ob ImZo dmbr nm°{bgr df©Jm§R> Life Assured on such vesting date i.e. on the policy anniversary
H$mo `m CgHo$ VwaÝV ~mX nm°{bgr ~r{_V ì`pŠV H$mo ñdV: {Z{hV hmo OmEJr Am¡a coinciding with or immediately following the completion of 18
years of age and shall on such vesting be deemed to be a contract
Bg àH$ma {Z{hV hmoZo H$mo {ZJ_ Am¡a ~r{_V ì`pŠV Ho$ ~rM H$ama _mZm OmEJm& between the Corporation and the Life Assured. The Life Assured
~r{_V ì`pŠV H$mo nm°{bgr H$m gånyU© _m{bH$ _mZm OmEJm VWm àñVmdH$ `m shall become the absolute owner of the policy and the proposer or
CgHo$ EñQ>oQ> H$m Cg_| H$moB© {hV `m A{YH$ma Zht hmoJm& his estate shall cease to have any right or interest therein.
6. amBS>a {hVbm^: 6. Rider Benefits:
Bg nm°{bgr Ho$ A§VJ©V {ZåZ{b{IV amBS>a/amBS>g© CnbãY h¢: The following rider(s) are available under this policy:

A. EbAmB©gr H$m XþK©Q>ZmË_H$ _¥Ë`w Am¡a AeŠVVm {hVbm^ amBS>a (UIN: A. LIC’s Accidental Death and Disability Benefit Rider (UIN:
512B209V01)
512B209V01)
B. LIC’s New Term Assurance Rider (UIN 512B210V01)
~. EbAmB©gr H$m Z`m Q>_© Eí`moaoÝg amBS>a (UIN 512B210V01)
C. LIC’s Accident Benefit Rider (UIN 512B203V02)
g. EbAmB©gr H$m XþK©Q>Zm {hVbm^ amBS>a (UIN 512B203V02)
D. LIC’s New Critical Illness Benefit Rider (UIN 512A212V01)
X. EbAmB©gr H$m Z`m {H«${Q>H$b ~r_mar {hVbm^ amBS>a (UIN 512A212V01)
Under an inforce policy the LIC’s Accidental Death and Disability
à^mdr nm°{bgr Ho$ A§VJ©V EbAmB©gr H$m XþK©Q>ZmË_H$ _¥Ë`w Am¡a An§JVm {hVbm^ Benefit Rider or LIC’s Accident Benefit Rider can be opted for
amBS>a `m EbAmB©gr H$m XþK©Q>Zm {hVbm^ amBS>a _yb nm°{bgr H$s àr{_`_ ^wJVmZ at any time within the premium paying term of the Base Policy
Ad{Y Ho$ Xm¡amZ {H$gr ^r g_` MwZm Om gH$Vm h¡, ~eV] _yb nm°{bgr H$s provided, the outstanding premium paying term of the Base
Policy is atleast five years. Under the policy on the life of minors,
àr{_`_ ^wJVmZ H$s eof Ad{Y H$_ go H$_ nm§M df© hmo& Ad`ñH$m| Ho$ OrdZ this rider will be available from the policy anniversary following
na nm°{bgr Ho$ A§VJ©V `h amBS>a CZHo$ 18 df© H$s C_« nyar H$aZo na nm°{bgr completion of age 18 years on receipt of specific request.
df©Jm§R> go, Bg ~mao _| {deof AZwamoY àmßV hmoZo na bmJy hmoJm&
LIC’s New Term Assurance Rider/LIC’s New Critical Illness Benefit
EbAmB©gr H$m Z`m Q>_© Eí`moaoÝg amBS>a/EbAmB©gr H$m Z`m {H«${Q>H$b ~r_mar Rider is available only at the inception of the policy on payment of
{hVbm^ amBS>a Ho$db nm°{bgr Ho$ Ama§^ Ho$ g_` A{V[aŠV àr{_`_ Ho$ ^wJVmZ additional premium.
na CnbãY h¡& Conditions of rider(s), if opted, are enclosed as endorsement
to this policy.
amBS>a(g©) H$s eV], AJa MwZr OmVr h¡, Bg nm°{bgr Ho$ gmW n¥ð>m§H$Z Ho$ ê$n _|
g§b½Z h¢& 7. Participation in profits: Depending upon the Corporation’s
experience the policy shall participate in profits in accordance with
7. _wZm\o$ _| à{V^m{JVm: {ZJ_ Ho$ AZw^d Ho$ AmYma na, nm°{bgr g_`-g_` na the provisions of Section 28 of LIC Act, 1956, as amended from
`Wmg§emo{YV EbAmB©gr A{Y{Z`_, 1956 H$s Ymam 28 Ho$ àmdYmZm| Ho$ AZwgma time to time.
_wZm\o$ _| à{V^m{JVm H$aoJr& Bonuses once declared form part of the guaranteed benefit of
~moZg Kmo{fV {H$E OmZo na ßbmZ Ho$ Jma§Q>rS> {hVbm^ H$m {hñgm ~Z OmVo h¢& the plan.
Profit distribution during premium paying term:
àr{_`_ ^wJVmZ Ad{Y Ho$ Xm¡amZ _wZm\o$ H$m {dVaU:
Policies will be eligible for Simple Reversionary Bonus during
nm°{b{g`m§ àr{_`_ ^wJVmZ Ad{Y Ho$ Xm¡amZ {ZJ_ Ûmam Kmo{fV Xa Am¡a eVm] premium paying term at such rate and on such terms as may be
Ho$ AZwgma gab àË`mdVu ~moZg H$s nmÌ hmoJr& BZ gab àË`mdVu ~moZgm| declared by the Corporation. These Reversionary Bonuses shall
H$s KmofUm dm{f©H$ ê$n go àË`oH$ {dÎmr` df© H$s g_mpßV na H$s OmEJr, ~eV] be declared annually on the Basic Sum Assured at the end of
nm°{bgr nyar Vah go à^mdr hmo& each financial year provided the policy is in full force.

AJa àr{_`_m| H$m {d{YdV ^wJVmZ Zht {H$`m J`m hmo Vmo nm°{bgr àr{_`_ In case the premiums are not duly paid, the policy shall cease
to participate in future profits during the premium paying term
^wJVmZ Ad{Y Ho$ Xm¡amZ _wZm\$m| _| à{V^m{JVm H$aZm ~§X H$a XoJr, Mmho nm°{bgr irrespective of whether or not the policy has acquired paid
Zo MwH$Vm _yë` àmßV {H$`m hmo `m Zht& up value.
AJa nm°{bgr H$mo Aä`{n©V {H$`m OmVm h¡, Vmo {Z{hV ~moZgm| H$m Aä`n©U _yë`, In the event of policy being surrendered, the Surrender Value of
AJa H$moB© hmo, gaoÝS>a H$s {V{W H$mo Omo ^r bmJy hmo, Bg nm°{bgr XñVmdoO Ho$ vested bonuses, if any, as applicable on the date of surrender,
^mJ X H$s eV© g§. 5 _| {d{ZYm©[aV AZwgma Xo` hmoJm& will be payable as specified in Condition 5 of Part D of this
Policy Document.
à^mdr nm°{bgr Ho$ A§VJ©V A§{V_ A{V[aŠV ~moZg H$s KmofUm Cg df© H$s Om
Final Additional Bonus may also be declared under an inforce
gH$Vr h¡, O~ _¥Ë`w Ho$ H$maU Xmdo H$s pñW{V CËnÝZ hmo& policy in the year when such policy results into a claim by death.
MwH$Vm nm°{bgr `m nm°{bgr Ho$ Aä`n©U {H$E OmZo Ho$ A§VJ©V A§{V_ A{V[aŠV Final Additional Bonus shall not be payable under paid-up policy
~moZg H$m ^wJVmZ Zht {H$`m OmEJm& or on surrender of a policy during the premium paying term.
àr{_`_ ^wJVmZ Ad{Y Ho$ ~mX _wZm\o$ H$m {dVaU (Ho$db nyU©V: MwH$Vm nm°{b{g`m| Profit distribution after premium paying term (applicable only
`m ` 2 bmI `m A{YH$ n[anŠdVm MwH$Vm ~r_m am{e dmbr nm°{b{g`m| hoVw bmJy): for fully paid-up policies or for paid-up policies with Maturity
Paid-up Sum Assured of Rs. 2 lakhs or more):
nyU©V: MwH$Vm nm°{bgr Ho$ A§VJ©V (Ohm§ nm°{bgr Ad{Y Ho$ Xm¡amZ g^r Xo` àr{_`åg
Under a fully paid-up policy (where all premiums payable during
H$m ^wJVmZ {H$`m J`m hmo) `m MwH$Vm nm°{bgr, Ohm§ n[anŠdVm MwH$Vm ~r_m the term of the policy stand paid) or in a paid-up policy with
am{e ` 2 bmI `m A{YH$ hmo, Ho$ {bE àr{_`_ ^wJVmZ Ad{Y Ho$ ~mX _wZm\o$ Maturity Paid-up Sum Assured of Rs. 2 lakhs or more, the terms
H$s à{V^m{JVm hoVw eV], {^ÝZ AmYma d n¡_mZo na hmo gH$Vr h¡, Omo {H$ Bg for participation of profits after the premium paying term may be
¶moOZm Ho$ A§VJ©V Cg g_` {ZJ‘ Ho$ AZw^d na {Z^©a H$aoJm& in a different form and on a differential scale depending on the
Corporation’s experience under this plan at that time.
Eogr nm°{bgr Ho$ A§VJ©V A§{V_ A{V[aŠV ~moZg H$s KmofUm Cg g_` ^r
H$s Om gH$Vr h¡, O~ _¥Ë`w `m n[anŠdVm Ho$ H$maU nm°{bgr Xmdo _| n[aUV Final Additional Bonus may also be declared under such policy
in the year when a policy results into a claim either by death
hmoVr h¡& or maturity.
AJa nm°{bgr H$mo Aä`{n©V {H$`m OmVm h¡, Vmo {Z{hV ~moZgm| H$m Aä`n©U _yë`, In the event of policy being surrendered, the Surrender Value of
AJa H$moB© hmo, gaoÝS>a H$s {V{W H$mo Omo ^r bmJy hmo, Bg nm°{bgr XñVmdoO Ho$ vested bonuses, if any, as applicable on the date of surrender,
^mJ X H$s eV© g§. 5 _| {d{ZYm©[aV AZwgma Xo` hmoJm& gmW hr, nm°{bgr`m| H$m will be payable as specified in Condition 5 of Part D of this Policy
Aä`n©U H$aZo na bmJy A{V[aŠV ~moZg, AJa H$moB© hmo, {deof Aä`n©U _yë` Document. In addition, applicable Final Additional Bonus for
Ho$ ^wJVmZ na ^r {dMma {H$`m Om gH$Vm h¡& surrendering policies, if any, may also be considered in payment
of Special Surrender Value.
MwH$Vm nm°{bgr Ho$ A§VJ©V ` 2 bmI go H$_ n[anŠdVm MwH$Vm ~r_m am{e dmbr Under a paid-up policy with Maturity Paid-up Sum Assured
nm°{bgr ^{dî` Ho$ {H$Ýht _wZm\$m| _| à{V^m{JVm Zht H$aoJr& of less than Rs. 2 lakhs, the policy shall not participate in any
8. àr{_`_ H$m ^wJVmZ: future profits.
8. Payment of Premiums:
(A) nm°{bgrYmaH$ H$mo Bg nm°{bgr XñVmdoO H$s AZwgyMr _| Cpëb{IV Xo`
{V{W`m| H$mo àr{_`_ H$m ^wJVmZ g_`-g_` na bmJy g{d©g Q>¡Šg VWm (a) The policyholder has to pay the Premium on the due dates as
AÝ` Q>¡Šg Ho$ gmW H$aZm hmoJm& specified in the Schedule of this Policy Document along with
Service tax and any other Tax as applicable from time to time.
(~) [a`m`Vr Ad{Y: dm{f©H$ `m N>_mhr `m {V_mhr àr{_`_m| Ho$ {bE EH$ _hrZo
(b) Grace period: A grace period of one calendar month but not
Omo 30 {XZm| go H$_ Zht Am¡a _m{gH$ àr{_`_m| Ho$ {bE 15 {XZm| H$s less than 30 days shall be allowed for payment of yearly or
[a`m`Vr Ad{Y Xr OmEJr& AJa [a`m`Vr Ho$ {XZm| Ho$ g_mßV hmoZo VH$ half-yearly or quarterly premiums and 15 days for monthly
àr{_`_ H$m ^wJVmZ Zht {H$`m OmVm h¡ Vmo nm°{bgr H$mbmVrV hmo OmEJr& premiums. If the premium is not paid before the expiry of the
days of grace, the Policy lapses.
AJa ~r{_V ì`pŠV H$s _¥Ë`w [a`m`Vr Ad{Y Ho$ Xm¡amZ bo{H$Z V~ Xo` àr{_`_
If the death of the Life Assured occurs within the grace period but
Ho$ ^wJVmZ go nhbo hmo OmVr h¡ Vmo nm°{bgr _mÝ` ahoJr VWm Cg àr{_`_ Am¡a before the payment of the premium then due, the policy will still
nm°{bgr H$s AJbr df©Jm§R> go nhbo VWm _¥Ë`w H$s {V{W go Xo` d ^wJVmZ Z be valid and the benefits shall be paid after deductions of the said
{H$E JE àr{_`_, AJa H$moB© hmo, H$mo ^r H$mQ>H$a {hVbm^m| H$m ^wJVmZ H$a {X`m unpaid premium as also the unpaid premium(s), if any, falling due
OmEJm& from the date of death and before the next policy anniversary.

(g) à^mdr nm°{bgr Ho$ A§VJ©V ~r{_V ì`pŠV H$s _¥Ë`w Ho$ _m_bo _| Ohm§ _¥Ë`w H$s (c) In case of death of Life Assured under an inforce policy wherein all
the premiums due till the date of death have been paid and where
{V{W VH$ g^r àr{_`_m| H$m ^wJVmZ hþAm h¡ Am¡a Ohm§ àr{_`_ Ho$ ^wJVmZ H$m
the mode of payment of premium is other than yearly, balance
_mÜ`_ dm{f©H$ _mÜ`_ go {^ÝZ h¡, AJa _¥Ë`w H$s {V{W go Xo` {H$Ýht ~H$m`m premium(s), if any, falling due from the date of death and before
àr{_`åg H$m ^wJVmZ Zht {H$`m J`m h¡, Am¡a do AJbr nm°{bgr df©Jm§R> go nhbo the next policy anniversary shall be deducted from the claim
Xo` hmoVr h¢, Vmo CÝh| Xmdo H$s am{e go H$mQ> {b`m OmEJm& amount.

àr{_`_ Ho$ Xo` hmoZo `m Xo` am{e Ho$ {bE gyMZm Omar H$aZo Ho$ {bE {ZJ_ ~mÜ` The Corporation does not have any obligation to issue a notice
Zht h¡& that premium is due or for the amount that is due.
PART – D: CONDITIONS RELATED TO SERVICING ASPECTS
^mJ - X: godm àXmZ H$aZo Ho$ nhby go g§~§{YV eV]
1. Proof of Age: The premiums having been calculated on the
1. C_« H$m à_mU: àñVmd ànÌ _| Kmo{fV H$s JB© ~r{_V ì`pŠV H$s C_« na àr{_`_ age of the Life Assured as declared in the Proposal, in case
H$s JUZm hmo OmZo Ho$ níMmV `{X C_« Cg C_« go A{YH$ nm`r OmVr h¡ Vmo the age is found higher than such age, without prejudice to
{~Zm {H$gr nydm©J«h ~r_m A{Y{Z`_, 1938 Ho$ A§VJ©V CnbãY A{YH$mam| Am¡a the Corporation’s other rights and remedies, including those
CnMmam| g{hV {ZJ_ Ho$ AÝ` A{YH$mam| Am¡a CnMmam| H$mo j{V nhþ§MmE {~Zm, under the Insurance Act, 1938, the premiums shall be payable
Eogo _m_bo _| àr{_`_ Cg g_` ghr C_« Ho$ AmYma na _yb ~r_m am{e VWm in such case at the rate calculated on the Basic Sum Assured
and Rider(s) Sum Assured, if opted for, the correct age at entry,
amBS>a(g©) ~r_m am{e, AJa MwZr JB© hmo, Ho$ {bE {ZH$mbr JB© Xa go Xo` hmoJm
and the accumulated difference between the premiums for the
Am¡a {ZJ_ H$mo nm°{bgr Ama§^ hmoZo go boH$a Eogo ^wJVmZ H$s {V{W VH$ _yb correct age and the original premiums, from the commencement
àr{_`_ Am¡a ghr C_« Ho$ {bE àr{_`_ Ho$ ~rM A§Va H$s g§{MV am{e Am¡a of the Policy upto the date of such payment shall be paid to the
Cg na Cgr Ad{Y Ho$ {bE {ZJ_ Ûmam Cg g_` àM{bV {ZYm©[aV Xa na Corporation with interest at such rate as fixed by the Corporation
ã`mO g{hV ^wJVmZ H$aoJm& VWm{n, àmdYmZ h¡ {H$ `{X ~r{_V ì`pŠV/àñVmdH$ from time to time. However, in case the Life Assured/Proposer
Bg_| Cpëb{IV àr{_`_ H$s Xa go ^wJVmZ H$aVm aho Am¡a Cn`wŠV g§{MV F$U continues to pay the premiums at the rates shown herein, and
also does not pay the above mentioned accumulated debt, the
am{e H$m ^wJVmZ Z H$ao Vmo nm°{bgr àma§^ hmoZo H$s {V{W go nm°{bgr Ho$ Xmdm
accumulated difference between the premiums for the correct age
~ZZo H$s {V{W VH$ ghr C_« Ho$ àr{_`_ Am¡a _yb àr{_`_ Ho$ ~rM A§Va H$s and the original premiums from the commencement of this Policy
g§{MV am{e Am¡a Eogo A§Va H$s àË`oH$ {H$ñV na Xmdo Ho$ g_` àM{bV Xa up to the date on which the Policy becomes a claim, with interest
go ã`mO Ho$ gmW Xo` hmoJr& Cgo nm°{bgr na ~r{_V ì`pŠV/àñVmdH$ Ûmam Xo` on each instalment of such difference at such rate as may be fixed
F$U _mZm OmEJm VWm nm°{bgr Ho$ A§VJ©V Xmdm hmoZo na nm°{bgr YZam{e _| by the Corporation from time to time, shall accrue and be treated
go H$mQ> {b`m OmEJm& as a debt due by the Life Assured / Proposer against the said
Policy and shall be deducted from the Policy moneys payable on
`h ^r àmdYmZ h¡ {H$ `{X àdoe Ho$ g_` ~r{_V ì`pŠV H$s ghr C_« Eogr hmo the Policy becoming a claim.
Vmo CŠV Vm{bH$m _| {Z{X©ï> ~r_m dJ© AWdm eVm] Ho$ AYrZ Cgo ~r_m Ho$ {bE Provided further that if the Life Assured’s correct age at entry is
A`mo½` ~Zm Xo Vmo CgH$mo ~r_m Ho$ Ama§^ _| àM{bV àWm Ho$ AZwgma {ZJ_ such as would have made him/her uninsurable under the class
Ûmam àXmZ {H$E OmZo dmbo ~r_m dJ© AWdm eVm] _| n[ad{V©V H$a {X`m OmEJm, or terms of assurance specified in the said Schedule hereto, the
Omo {H$ nm°{bgrYmaH$ H$s gh_{V Ho$ AYrZ hmoJr, AÝ`Wm nm°{bgr H$mo aÔ H$a class or terms shall stand altered to such Plan of Assurance as
{X`m OmEJm& are granted by the Corporation according to the practice in force
at the commencement of this policy subject to the consent of the
2. OãVr Am¡a J¡a-OãVr g§~§Yr H$mZyZ: Policyholder, otherwise the policy will be cancelled.

OãVr g§~§Yr H$mZyZ: 2. Forfeiture and Non-forfeiture Regulations:

i. AJa 3 dfm] go H$_ Ho$ {bE àr{_`_m| H$m ^wJVmZ {H$`m J`m hmo Am¡a CgHo$ Forfeiture Regulations:
~mX Ho$ àr{_`_m| H$m ^wJVmZ Z {H$`m J`m hmo Vmo AXm Z {H$E JE nhbo i. If less than three years’ premiums have been paid in respect
àr{_`_ H$s {V{W go [a`m`Vr Ad{Y H$s g_mpßV Ho$ ~mX Bg nm°{bgr Ho$ of this policy and any subsequent premium be not duly paid,
A§VJ©V g^r bm^ g_mßV hmo OmE§Jo VWm Hw$N> ^r Xo` Zht hmoJm Am¡a AXm all the benefits shall cease after the expiry of grace period
from the date of first unpaid premium and nothing shall
{H$E JE àr{_`_ ^r Zht bm¡Q>mE OmE§Jo&
be payable, and the premiums paid thitherto are also not
ii. H$m{Vn` AÝ` KQ>ZmAm| _| OãVr: AJa `hm§ {d{hV `m n¥ð>m§{H$V H$moB© eV© refundable.
à{VHy$b nm`r OmVr h¡ `m AJa àñVmd, ì`pŠVJV dŠVì`, KmofUm VWm ii. Forfeiture in Certain Other Events: In case any condition
g§~§{YV XñVmdoOm| _| {H$gr AgË` `m JbV OmZH$mar H$m {X`m OmZm herein contained or endorsed hereon be contravened or
nm`m OmVm h¡ `m {H$gr _hÎdnyU© OmZH$mar H$mo {N>nm`m OmVm h¡, Vmo Eogr in case it is found that any untrue or incorrect statement is
àË`oH$ pñW{V _| nm°{bgr ^§J hmo OmEJr VWm {H$gr {hVbm^ Ho$ g^r Xmdo contained in the proposal, personal statement, declaration
and connected documents or any material information is
g_`-g_` na `Wmg§emo{YV ~r_m A{Y{Z`_, 1938 H$s Ymam 45 Ho$
withheld, then and in every such case this policy shall be void
àmdYmZm| Ho$ {df`mYrZ hm|Jo& and all claims to any benefit in virtue of this policy shall be
J¡a-OãVr g§~§Yr H$mZyZ: subject to the provisions of Section 45 of the Insurance Act,
1938, as amended from time to time.
bo{H$Z AJa, H$_ go H$_ nyao VrZ gmbm| Ho$ àr{_`_m| H$m ^wJVmZ H$aZo Ho$ ~mX,
Non – forfeiture Regulations:
AJbo àr{_`_m| H$m ^wJVmZ Zht {H$`m OmVm h¡, Vmo `h nyar Vah go A_mÝ` Zht
hmoJr, ~pëH$ nm°{bgr Ad{Y H$s g_mpßV VH$ Ho$ {bE nm°{bgr, MwH$Vm nm°{bgr If at least three full years’ premiums have been paid and any
H$m ê$n bo boJr& subsequent premiums be not duly paid, this policy shall not be
wholly void, but shall subsist as a paid-up policy till the end of the
MwH$Vm nm°{bgr Ho$ A§VJ©V ""_¥Ë`w na ~r_m am{e'' H$mo EH$ Eogr am{e Ho$ ê$n _| policy term.
KQ>m {X`m OmEJm, {Ogo _¥Ë`w na MwH$Vm ~r_m am{e H$hm OmEJm VWm `h [(AXm The “Sum Assured on Death” under a paid-up policy shall be
{H$E JE àr{_`_m| H$s g§»`m/Xo` àr{_`_m| H$s Hw$b g§»`m) x _¥Ë`w na ~r_m reduced to a sum called Death Paid-up Sum Assured and shall
am{e] Ho$ g_mZ hmoJr& be equal to [Sum Assured on Death *(Number of premiums paid /
Total number of premiums payable)].
MwH$Vm nm°{bgr Ho$ A§VJ©V ""n[anŠdVm na ~r_m am{e'' KQ> OmEJr VWm Bg
am{e H$mo n[anŠdVm na MwH$Vm ~r_m am{e H$hm OmEJm Am¡a `h [(AXm {H$E JE The “Sum Assured on Maturity” under a paid-up policy shall be
reduced to a sum called Maturity Paid-up Sum Assured and shall
àr{_`_m| H$s g§»`m/Xo` àr{_`_m| H$s Hw$b g§»`m) x n[anŠdVm na ~r_m am{e] be equal to [Sum Assured on Maturity *(Number of premiums
Ho$ g_mZ hmoJr& paid/Total number of premiums payable)].
MwH$Vm nm°{bgr Ho$ A§VJ©V {dÚ_mZVm {hVbm^: Survival benefits under a paid-up policy:
1. AJa n[anŠdVm MwH$Vm ~r_m am{e Ý`yZV_ _yb ~r_m am{e, AWm©V ` 2 1. If Maturity Paid-up Sum Assured is less than the minimum
bmI go H$_ h¡ Vmo Eogr nm°{b{g`m| Ho$ A§VJ©V {dÚ_mZVm {hVbm^m| H$m Basic Sum Assured i.e. Rs. 2 lakhs, Survival Benefits shall
not be paid under such policies.
^wJVmZ Zht {H$`m OmEJm&
2. AJa n[anŠdVm MwH$Vm ~r_m am{e ` 2 bmI H$s Ý`yZV_ _yb ~r_m am{e 2. If Maturity Paid-up Sum Assured is equal to or more than
Ho$ g_mZ `m Bggo A{YH$ h¡ Vmo àË`oH$ df© Ho$ {bE n[anŠdVm MwH$Vm minimum Basic Sum Assured of Rs. 2 lakhs, Survival
Benefits equal to 8% of Maturity Paid-up Sum Assured shall
~r_m am{e Ho$ 8% Ho$ g_mZ {dÚ_mZVm {hVbm^ Xo` hm|Jo& nhbo {dÚ_mZVm
be payable each year. The first survival benefit payment is
{hVbm^ H$m ^wJVmZ nm°{bgr Ad{Y Ho$ A§V VH$ ~r{_V ì`pŠV Ho$ Or{dV payable at the end of premium paying term and thereafter
ahZo na Xo` hmoJm& Am¡a CgHo$ níMmV ~r{_V ì`pŠV Ho$ Or{dV ahZo VH$ on completion of each subsequent year till the Life assured
àË`oH$ df© `m nm°{bgr H$s n[anŠdVm H$s {V{W go nhbo nm°{bgr df©Jm§R> survives or till the policy anniversary prior to the date of
VH$, Omo ^r nhbo hmo, Xo` hmoJm& maturity, whichever is earlier.

MwH$Vm nm°{bgr Ho$ A§VJ©V, nm°{bgr Ad{Y Ho$ Xm¡amZ ~r{_V ì`pŠV H$s _¥Ë`w hmoZo Under a paid-up policy, in case of death of the Life Assured during
na, _¥Ë`w na MwH$Vm ~r_m am{e, {Z{hV gab àË`mdVu ~moZgm| Ho$ gmW, AJa the policy term, Death Paid-up Sum Assured along with vested
Simple Reversionary Bonuses, if any, shall be payable and on Life
H$moB© hmo, ~r{_V ì`pŠV H$mo nm°{bgr Ad{Y H$s g_mpßV VH$ Or{dV ahZo na Assured surviving to the end of the policy term, Maturity Paid-up
Xo` hmoJr& n[anŠdVm MwH$Vm ~r_m am{e, {Z{hV gab àË`mdVu ~moZgm| Ho$ gmW, Sum Assured along with vested Simple Reversionary Bonuses, if
AJa hm|, Xo` hm|Jo& any, shall be payable .
MwH$Vm nm°{bgr àr{_`_ ^wJVmZ Ad{Y Ho$ Xm¡amZ ^{dî` Ho$ _wZm\$m| _| ^mJ boZo A paid-up policy shall not be entitled to participate in the future
H$s nmÌ Zht hmoJr, bo{H$Z {Z{hV gab àË`mdVu ~moZg KQ>r hþB© MwH$Vm nm°{bgr profits during the premium paying term, however, the vested
go Ow‹S>o ah|Jo& gmW hr, AJa H$moB© MwH$Vm nm°{bgr, Ohm§ n[anŠdVm MwH$Vm ~r_m Simple Reversionary Bonuses shall remain attached to the
reduced paid-up policy. Further, if a paid-up policy wherein the
am{e ` 2 bmI `m A{YH$ hmo, àr{_`_ ^wJVmZ Ad{Y Ho$ ~mX Omar ahVr h¡,
Maturity Paid-up Sum Assured is Rs. 2 lakhs or more, continues
Vmo `h {ZJ_ Ho$ Eogr MwH$Vm nm°{b{g`m| Ho$ ~mao _| AZw^d Ho$ AmYma na àr{_`_ after premium paying term, it may participate in future profits
^wJVmZ Ad{Y Ho$ ~mX, ^{dî` Ho$ _wZm\$m| _| ^mJ boZm Omar aI gH$Vr h¡& after the premium paying term, depending on the Corporation’s
experience under such paid-up policies.
CnamoŠV CëboI {H$E JE Ho$ ~mdOyX, AJa Bg nm°{bgr Ho$ A§VJ©V H$_ go H$_
nyao 3 dfm] Ho$ àr{_`_m| H$m ^wJVmZ {H$`m J`m hmo, Am¡a CgHo$ ~mX Ho$ àr{_`_ Notwithstanding what is stated above, if atleast 3 full years’
H$m ^wJVmZ Z {H$`m J`m hmo, Vmo nhbo ^wJVmZ Z {H$E JE àr{_`_ H$s Xo` premiums have been paid in respect of this policy, and any
{V{W go N>: _hrZo Ho$ A§Xa ~r{_V ì`pŠV H$s _¥Ë`w hmoZo na ""_¥Ë`w na Xo` subsequent premium be not duly paid, in the event of the death
of the Life Assured within six months from the due date of first
~r_m am{e'' H$m ^wJVmZ, {Z{hV gab àË`mdVu ~moZgm|, VWm A§{V_ A{V[aŠV unpaid premium, “Sum Assured on Death” along with vested
~moZgm| AJa H$moB© hmo, Ho$ gmW (A) _yb nm°{bgr hoVw _¥Ë`w H$s {V{W VH$ AXm simple reversionary bonuses and final additional bonus, if any, will
Z {H$E JE àr{_`_m| Am¡a CZ na bJZo dmbm ã`mO, CÝhr eVm] na Omo {H$ Bgr be paid after deduction of (a) the premium(s) for the base policy
Ad{Y Ho$ {bE nm°{bgr Ho$ nwZM©bZ na hmo VWm (~) AJbr nm°{bgr df©Jm§R> go unpaid with interest thereon upto the date of death on the same
nhbo Xo` hmoZo dmbm _yb nm°{bgr Ho$ {bE AXm Z {H$E JE àr{_`_ H$mo KQ>mH$a terms as for revival of the Policy during such period, and (b) the
{H$`m OmEJm& balance premium(s) for the base policy falling due from the date
of death and before the next Policy anniversary.
CnamoŠV CëboI {H$E JE Ho$ ~mdOyX, AJa Bg nm°{bgr Ho$ A§VJ©V H$_ go H$_
Notwithstanding what is stated above, if at least 5 full years'
nyao 5 dfm] Ho$ àr{_`_m| H$m ^wJVmZ {H$`m J`m hmo, Am¡a CgHo$ ~mX Ho$ àr{_`_ premiums have been paid in respect of this policy, and any
H$m ^wJVmZ Z {H$`m J`m hmo, Vmo nhbo ^wJVmZ Z {H$E JE àr{_`_ H$s Xo` subsequent premium be not duly paid, in the event of death of
{V{W go 12 _hrZo Ho$ A§Xa ~r{_V ì`pŠV H$s _¥Ë`w hmoZo na ""_¥Ë`w na Xo` the Life Assured within 12 months from the first unpaid premium,
~r_m am{e'' H$m ^wJVmZ, {Z{hV gab àË`mdVu ~moZg, VWm A§{V_ A{V[aŠV “Sum Assured on Death” along with vested simple reversionary
~moZg, AJa H$moB© hmo, Ho$ gmW (A) _yb nm°{bgr hoVw _¥Ë`w H$s {V{W VH$ AXm bonuses and final additional bonus, if any, will be paid after
Z {H$E JE àr{_`_m| Am¡a CZ na bJZo dmbm ã`mO, CÝhr eVm] na Omo {H$ Bgr deduction of (a) the premium(s) for the base policy unpaid with
interest thereon upto the date of death on the same terms as
Ad{Y Ho$ {bE nm°{bgr Ho$ nwZM©bZ na hmo VWm (~) AJbr nm°{bgr df©Jm§R> go for revival of the Policy during such period, and (b) the balance
nhbo Xo` hmoZo dmbm _yb nm°{bgr Ho$ {bE AXm Z {H$E JE àr{_`_ H$mo H$mQ>H$a premium(s) for the base policy falling due from the date of death
{H$`m OmEJm& and before the next Policy anniversary.
`o àmdYmZ d¡H$pënH$ amBS>a na bmJy Zht hmoVo h¡ Š`m|{H$ do H$moB© MwH$Vm _yë` These provisions do not apply to optional Rider(s) as they do not
àmßV Zht H$aVo h¡ Am¡a nm°{bgr Ho$ H$mbmVrV AdñWm _| hmoZo na amBS>a {hVbm^ acquire any paid up value and the rider benefit ceases to apply, if
g_mßV hmo OmVo h¢& policy is in lapsed condition.
3. Revival of lapsed Policies: If the Policy has lapsed due to non-
3. H$mbmVrV nm°{b{g`m| H$m nwZM©bZ: AJa [a`m`Vr {XZm| Ho$ A§Xa àr{_`_ H$m
payment of due premium within the days of grace, it may be
^wJVmZ Z H$aZo Ho$ H$maU nm°{bgr H$mbmVrV hmo J`r hmo, Vmo Bgo AXm Z {H$E JE revived during the life time of the Life Assured, but within a period
nhbo àr{_`_ H$s {V{W go bJmVma 2 dfm] H$s Ad{Y Ho$ A§Xa, VWm n[anŠdVm of 2 consecutive years from the date of the first unpaid premium,
H$s {V{W go nhbo, _Ja ~r{_V ì`pŠV Ho$ OrdZH$mb Ho$ Xm¡amZ {\$a go Mmby on submission of proof of continued insurability of the Life Assured
{H$`m Om gH$Vm h¡, Omo {H$ {ZJ_ H$mo ~r{_V ì`pŠV hoVw g§VmofàX, {ZaÝVa ~r_m to the satisfaction of the Corporation and the payment of all the
`mo½`Vm H$m à_mU àñVwV H$aZo VWm g_`-g_` na {ZJ_ Ûmam {ZYm©[aV Xa na arrears of premium together with interest (compounding half-
ã`mO Ho$ gmW (N>_mhr MH«$d¥{Õ Xa go) àr{_`_ H$s g^r ~H$m`m am{e`m| H$m yearly) at such rate as fixed by the Corporation from time to
time. The Corporation however, reserves the right to accept at
^wJVmZ H$aZo na ~hmb hmoJr& bo{H$Z {ZJ_ Ho$ nmg ñW{JV nm°{bgr H$mo {\$a original terms, accept with modified terms or decline the revival of
go Mmby H$aZo H$mo _yb eVm] na ñdrH$ma H$aZo, g§emo{YV eVm] Ho$ gmW ñdrH$ma a discontinued policy. The revival of the discontinued policy shall
H$aZo `m AñdrH$ma H$aZo H$m A{YH$ma gwa{jV h¡& ñW{JV nm°{bgr H$s ~hmbr take effect only after the same is approved by the Corporation and
V^r à^mdr hmoJr O~ {ZJ_ Ûmam Cgo AZw_mo{XV {H$`m OmEJm VWm ~r{_V ì`pŠV is specifically communicated to the Life Assured.
H$mo {d{eï> ê$n go gy{MV H$a {X`m OmEJm& If revival period falls beyond the premium paying term and the
AJa nwZM©bZ Ad{Y àr{_`_ ^wJVmZ Ad{Y Ho$ ~mX AmVr h¡ Am¡a nm°{bgr H$mo policy is revived after the due date of survival benefit(s), then:-
{dÚ_mZVm {hVbm^m| H$s Xo` {V{W Ho$ ~mX nwZ©M{bV {H$`m OmVm h¡, Vmo:- i. the unpaid survival benefit(s) (applicable in case of paid-up
policy wherein the Maturity Paid-up Sum Assured is less than
i. ^wJVmZ Z {H$E JE {dÚ_mZVm {hVbm^ (Ohm§ MwH$Vm nm°{bgr Ho$ _m_bo _| 2 lakhs) or;
n[anŠdVm MwH$Vm ~r_m am{e 2 bmI go H$_ h¡) `m;
ii. the difference between Survival benefits on full Basic Sum
ii. nyU© _yb ~r_m am{e na {dÚ_mZVm {hVbm^ Am¡a n[anŠdVm MwH$Vm ~r_m Assured and Survival benefits on Maturity Paid-up Sum
am{e na {dÚ_mZVm {hVbm^ Ho$ ~rM A§Va (Ohm§ MwH$Vm nm°{bgr Ho$ _m_bo Assured (applicable in case of paid-up policy wherein the
_| n[anŠdVm MwH$Vm ~r_m am{e 2 bmI Ho$ g_mZ `m Cggo A{YH$ h¡) Maturity Paid-up Sum Assured equal to or greater than 2
H$m ^wJVmZ nm°{bgrYmaH$ H$mo {H$`m OmEJm& lakhs) shall be paid to the policy holder.
Revival of Rider(s), if opted for, will only be considered along with
amBS>a(g©) H$mo nwZM©{bV H$aZo, AJa MwZm J`m hmo, na V^r {dMma {H$`m
the revival of the Base Policy and not in isolation.
OmEJm AJa _yb nm°{bgr H$mo ^r nwZ©M{bV {H$`m OmVm h¡, Z {H$ {gµ\©$
amBS>a H$mo& 4. Policy Loan: Loan can be availed under this policy provided at
least three full years’ premiums have been paid subject to the
4. nm°{bgr F$U: AJa H$_ go H$_ nyao VrZ dfm] Ho$ àr{_`_ H$m ^wJVmZ {H$`m following terms and conditions, within the surrender value of the
J`m hmo Vmo Bg nm°{bgr H$s {ZåZ{b{IV eVm] VWm nm°{bgr Ho$ Aä`n©U _yë` policy for such amounts and on such further terms and conditions
na VWm {ZJ_ Ûmam g_`-g_` na {ZYm©[aV H$s JB© AÝ` {Z`_m| VWm eVm] as the Corporation may fix from time to time:
Ho$ A§VJ©V F$U àmßV {H$`m Om gH$Vm h¡: i. The Policy shall be assigned absolutely to and held by the
Corporation as security for the repayment of Loan and of the
i. nm°{bgr nyU©V: g_ZwXo{eV hmoJr VWm F$U Am¡a Cg na ã`mO H$s AXm`Jr interest thereon;
Ho$ {bE Cgo O_mZV Ho$ ê$n _| {ZJ_ Ho$ Ûmam Ym[aV aIr OmEJr&
ii. If loan is availed during the premium paying term:
ii. AJa àr{_`_ ^wJVmZ Ad{Y Ho$ Xm¡amZ F$U {b`m OmVm h¡:
Aä`n©U _yë` Ho$ à{VeV Ho$ ê$n _| A{YH$V_ F$U Bg àH$ma hmoJm: The maximum loan as a percentage of surrender value shall be as
under:
• à^mdr nm°{b{g`m| Ho$ {bE - 90% VH$
• For in force policies – upto 90%
• MwH$Vm nm°{b{g`m| Ho$ {bE - 80% VH$ • For paid-up policies – upto 80%
AJa àr{_`_ ^wJVmZ Ad{Y Ho$ ~mX F$U {b`m OmVm h¡: {dÚ_mZVm {hVbm^m| If loan is availed after the premium paying term: The maximum
H$s nmÌ nm°{b{g`m| Ho$ {bE ZE F$U H$s ñdrH$m`© A{YH$V_ am{e (Ohm§ H$moB© permissible amount of new loan (where no previous loan taken
earlier is outstanding) for policies which are entitled for survival
{nN>bm F$U ~H$m`m Z hmo) H$s JUZm Bg àH$ma H$s OmEJr {H$ F$U na Xo`
benefits shall be arrived at in such a way that the effective annual
à^mdr dm{f©H$ ã`mO nm°{bgr Ho$ A§VJ©V Xo` dm{f©H$ {dÚ_mZVm {hVbm^ Ho$ 50% interest amount payable on loan does not exceed 50% of the
go A{YH$ Z hmo& annual survival benefit payable under the policy.

VWm{n, {ZJ_ Ho$ nmg _§Oya H$s OmZo dmbr F$U am{e H$mo V` H$aZo H$m A{YH$ma However, the Corporation reserves the right to determine the loan
gwa{jV h¡& amount to be granted.
iii. For the loan sanctioned in Financial Year 2016-17, the
iii. {dÎmr` df© 2016-17 _| ñdrH¥$V F$U Ho$ {bE, ã`mO H$s bmJy Xa 10% applicable interest rate is 10% p.a. payable half-yearly for the
dm{f©H$ h¡, Omo {H$ nyar F$U Ad{Y Ho$ {bE N>_mhr Xo` h¡& entire term of the loan.

iv. AJa àr{_`_ ^wJVmZ Ad{Y Ho$ ~mX F$U {b`m OmVm h¡: àr{_`_ ^wJVmZ iv. If loan is availed during the premium paying term: Interest
Ad{Y Ho$ Xm¡amZ F$U na ã`mO Bg nm°{bgr Ho$ A§VJ©V {bE JE bmoZ Ho$ on Loan during the premium paying term shall be paid on
compounding half-yearly basis to the Corporation at the rate
g_` {ZJ_ Ûmam {d{ZYm©[aV Xa go N>_mhr MH«$d¥{Õ ã`mO go {b`m OmEJm& to be specified by the Corporation at the time of taking loan
ã`mO H$s nhbr {H$ñV H$m ^wJVmZ AJbr nm°{bgr df©Jm§R> na `m AJbr under this policy. The first payment of interest is to be made
nm°{bgr df©Jm§R> go N>: _hrZo nhbo H$s {V{W na, Omo ^r CgHo$ VwaÝV ~mX on the next Policy anniversary or on the date six months
hmo, O~ F$U ñdrH¥$V {H$`m J`m Wm, {H$`m OmEJm Am¡a CgHo$ ~mX ha before the next Policy anniversary whichever immediately
N>: _hrZo na {H$`m OmEJm& ã`mO H$_ go H$_ N>: _hrZm| Ho$ {bE {b`m follows the date on which the Loan is sanctioned and every
half year thereafter. Interest is charged for a minimum period
OmEJm& of six months.
AJa àr{_`_ ^wJVmZ Ad{Y Ho$ Xm¡amZ F$U H$m ^wJVmZ Zht {H$`m OmVm In case if the loan is not repaid during the premium paying
h¡ VWm ã`mO Ho$ ^wJVmZ _| MyH$ H$s OmVr h¡, Vmo F$U na Xo` ã`mO H$s term and if there is default in the interest payment, then due
dgybr Xo` {dÚ_mZVm {hVbm^m| `m nm°{bgr Ho$ A§VJ©V Xo` {H$gr AÝ` Interest on the loan shall be recovered from survival benefits
due or any other amount payable under the policy;
am{e go H$s OmEJr&
v. If loan is availed after the premium paying term: Interest on
v. AJa àr{_`_ ^wJVmZ Ad{Y Ho$ ~mX F$U {b`m OmVm h¡: F$U na ã`mO the loan shall be recovered from the survival benefits and at
H$mo {dÚ_mZVm {hVbm^m| go dgyb {H$`m OmEJm VWm `h {ZJ_ Ûmam F$U the rate which shall be specified by the Corporation when the
boVo g_` {d{ZYm©[aV Xa go {b`m OmEJm& loan is made;
vi. In the event of default in payment of loan interest on the due
vi. O¡gm {H$ D$na CëboI {H$`m J`m h¡, {Z`V {V{W`m| na F$U ã`mO Ho$
date as herein mentioned above and when the outstanding
^wJVmZ _| MyH$ hmoZo H$s pñW{V _|, Am¡a O~ ã`mO Ho$ gmW ~H$m`m F$U loan amount along with interest is to exceed the surrender
Aä`n©U _yë` go A{YH$ hmo OmE, {ZJ_ Eogr nm°{b{g`m| H$mo ~§X H$aZo H$m value, the Corporation would be entitled to foreclose such
A{YH$mar hmoJm& Eogr nm°{b{g`m§ ~§X hmoZo na ã`mO, `{X H$moB© hmo, Ho$ gmW policies. Such policies when being foreclosed shall be
F$U ~H$m`m am{e VWm Aä`n©U _yë` Ho$ A§Va Ho$ ^wJVmZ H$s nmÌ hm|Jr& entitled to payment of the difference of surrender value and
the outstanding loan amount along with interest, if any;
vii. {ZJ_ 3 _mh H$s gyMZm XoH$a g_ñV ~H$m`m ã`mO g{hV F$U H$s am{e vii. Corporation is entitled to recover or recall the amount of the
_m±JZo `m dgyb H$aZo H$m A{YH$mar hmoJm& Loan with all due interest by giving 3 months’ notice;
viii. `{X nm°{bgr n[anŠd `m Aä`{n©V hmoVr h¡ `m _¥Ë`w Ûmam Xmdm ~ZVr h¡, viii. In case the policy shall mature or is surrendered or becomes
Vmo Eogr pñW{V _| {ZJ_ nm°{bgr YZ go g_ñV ã`mO g{hV ~H$m`m F$U a claim by death, the Corporation shall become entitled to
deduct the amount of outstanding Loan, together with all
H$s am{e H$s H$Q>m¡Vr H$aZo H$m A{YH$mar hmoJm&
interest from the policy moneys.
5. Aä`n©U: nm°{bgr Ad{Y Ho$ Xm¡amZ nm°{bgr H$mo H$^r ^r Aä`{n©V {H$`m Om 5. Surrender: The policy can be surrendered at any time provided
gH$Vm h¡, ~eV] H$_ go H$_ nyao VrZ dfm] Ho$ {bE àr{_`_m| H$m ^wJVmZ {H$`m premiums have been paid for atleast three full years. On surrender
J`m hmo& {ZJ_ Ûmam Jma§Q>rS> Aä`n©U _yë` VWm {deof Aä`n©U _yë` _| go Omo of the policy, the Corporation shall pay the Surrender Value equal
^r A{YH$ hmo, CgH$m ^wJVmZ Aä`n©U _yë` Ho$ ê$n _| {H$`m OmEJm& to higher of Guaranteed Surrender Value and Special Surrender
Value.
{deof Aä`n©U _yë` ZdrH$aU `mo½` h¡ VWm BgH$m {ZYm©aU {ZJ_ Ûmam g_`-g_` The Special Surrender Value is reviewable and shall be
na {H$`m OmEJm, Omo {H$ AmB©AmaS>rEAmB© H$s nyd© ñdrH¥${V Ho$ AYrZ hmoJm& determined by the Corporation from time to time subject to prior
approval of IRDAI.
Jma§Q>rS> Aä`n©U _yë` Hw$b AXm {H$E JE àr{_`_m| _| go ~r_mboIZ {ZU©`m| Ho$
H$maU KQ>m`r JB© {H$gr A{V[aŠV am[e VWm amBS>a (amBS>g©) Ho$ {bE àr{_`_, The Guaranteed Surrender Value shall be equal to the total
premiums paid excluding any extra amount if charged under the
AJa MwZm J`m hmo, Ho$ gmW Hw$b AXm {H$E JE àr{_`_ na bmJy Jma§Q>rS> Aä`n©U policy due to underwriting decisions and premiums for rider(s),
_yë` KQ>H$ Ho$ JwUZ\$b Ho$ g_mZ hmoJm& à{VeV Ho$ ê$n _| ì`ŠV {H$E JE `o if opted, for, multiplied by the Guaranteed Surrender Value
Jma§Q>rS> Aä`n©U _yë` KQ>H$ nm°{bgr Ad{Y VWm Cg nm°{bgr df© na {Z^©a factor applicable to total premiums paid under the policy. These
H$a|Jo, O~ nm°{bgr H$mo Aä`n©U {H$`m J`m Wm VWm `o Bg nm°{bgr XñVmdoO Guaranteed Surrender Value factors expressed as percentages
Ho$ n[a{eï>-4 Ho$ ê$n _| g§b½Z h¡& will depend on the policy term and policy year in which the policy
is surrendered and are contained in Annexure - 4 of this policy
BgHo$ Abmdm, {Z{hV gab àË`mdVu ~moZgm|, AJa H$moB© hmo Ho$ Aä`n©U _yë` document.
H$m ^r ^wJVmZ {H$`m OmEJm, Omo {H$ {Z{hV ~moZg Am¡a {Z{hV ~moZgm| na bmJy In addition, the surrender value of vested simple reversionary
Aä`n©U _yë` KQ>H$ Ho$ JwUZ\$b Ho$ g_mZ hmoJm& `h Aä`n©U _yë` KQ>H$ nm°{bgr bonuses, if any, shall also be payable, which is equal to vested
Ad{Y VWm Cg nm°{bgr df© na {Z^©a H$aoJr, O~ nm°{bgr H$mo Aä`{n©V {H$`m bonuses multiplied by the Guaranteed Surrender Value factor
applicable to vested bonuses. These Guaranteed Surrender
J`m VWm `h Bg XñVmdoO Ho$ n[a{eï>-5 Ho$ ê$n _| g§b½Z h¡&
Value factors will depend on the policy term and the policy year in
amBS>a(g©) na, AJa H$moB© hmo, H$moB© Aä`n©U _yë` CnbãY Zht hmoJm& which policy is surrendered and are contained in Annexure – 5 of
this policy document.
6. nm°{bgr H$mo g_mßV {H$`m OmZm: No surrender value will be available on Rider(s), if any.
nm°{bgr {ZåZ{b{IV KQ>ZmAm| _| go {H$gr Ho$ K{Q>V hmoZo na VwaÝV VWm AnZo 6. Termination of Policy:
Amn g_mßV hmo OmEJr: The policy shall immediately and automatically terminate on the
A) dh {V{W O~ _¥Ë`w {hVbm^ H$m ^wJVmZ {H$`m J`m h¡; `m earliest occurrence of any of the following events:
a) The date on which death benefit is paid; or
~) dh {V{W O~ nm°{bgr Ho$ A§VJ©V Aä`n©U {hVbm^m| H$m ^wJVmZ {H$`m J`m
h¡; `m b) The date on which surrender benefits are settled under the
policy; or
g) n[anŠdVm H$s {V{W; `m c) The date of maturity; or
X) F$U na ã`mO Ho$ ^wJVmZ _| MyH$ H$s KQ>Zm na, {OgH$m CëboI ^mJ X d) In the event of default in payment of loan interest as specified
H$s eV© 4 _| {H$`m J`m h¡; `m in Condition 4 of Part D; or
e) At the expiry of two years from the date of lapse, if the policy
`) H$mbmVrV hmoZo H$s {V{W go Xmo dfm] H$s g_mpßV na, AJa nm°{bgr H$mo
has not been revived and provided the policy has not been
nwZ:àMm{bV Zht {H$`m J`m h¡ Am¡a ~eV] nm°{bgr ^mJ X H$s eV© 2 _| converted into a paid-up policy as specified in Condition 2 of
{d{ZYm©[aV AZwgma MwH$Vm nm°{bgr _| n[ad{V©V Zht hþB© h¡; `m Part D; or
a) \«$s bwH$ {ZañVrH$aU am{e H$m ^wJVmZ {H$E OmZo na f) On payment of free look cancellation amount
7. ’«$s bwH$ nr[a¶S>: nm°{bgrYmaH$ H$mo nm°{bgr XñVmdoO {_bZo H$s {V{W go 15 7. Free look period: During the Free Look period of 15 days from the
{XZm| H$s _wâV g_rjm nr[a¶S> Ho$ Xm¡amZ, AJa nm°{bgrYmaH$ nm°{bgr Ho$ {Z`_ date of receipt of the Policy Document by the Policyholder, if the
Policyholder is not satisfied with the Terms and Conditions of the
VWm eVm] go$ g§VwîQ> Zht h¡ Vmo dh AnZr Amn{Îm`m| Ho$ H$maU H$m CëboI
policy, he/she may return the policy to the Corporation stating the
H$aVo hþE nm°{bgr H$mo bm¡Q>m gH$Vm h¡& BgHo$ àmßV hmoZo na {ZJ_ nm°{bgr H$mo reason of objections. On receipt of the same the Corporation shall
aÔ H$a XoJm VWm g§a{jV Omo{I_ nr[a¶S> Ho$ {bE AmZwnm{VH$ Omo{I_ àr{_`_ cancel the policy and return the amount of premium deposited
(_yb nm°{bgr Am¡a amBS>a, AJa MwZm J`m hmo, Ho$ {bE) ñdmñÏ` Om§M ewëH$, after deducting the proportionate risk premium (for Base Policy
{deof [anmoQ>©²g d ñQ>¡ån S>çyQ>r hoVw ewëH$ H$mo H$mQ>H$a, O_m {H$E JE àr{_`_ H$mo and Rider(s), if opted for) for the period on cover and charges for
bm¡Q>m XoJm& medical examination, special reports, if any, and stamp duty.
PART E: Not Applicable.
^mJ - `: bmJy Zht
PART – F: OTHER TERMS AND CONDITIONS
^mJ - a: AÝ` {Z`_ d eV]
1. a) Assignments: Assignment is allowed under this plan as per
1. A) g_ZwXoeZ: Bg nm°{bgr Ho$ A§VJ©V g_`-g_` na `emg§emo{YV ~r_m section 38 of the Insurance Act, 1938, as amended from time
A{Y{Z`_, 1938 H$s Ymam 38 Ho$ A§VJ©V g_ZwXoeZ H$s AZw_{V h¡& Ymam 38 to time. The current provisions of Section 38 are contained in
Ho$ _m¡OyXm àmdYmZ Bg nm°{bgr XñVmdoO Ho$ n[a{eï>-1 _| g§b½Z h¢& g_ZwXoeZ Annexure-1 of this Policy Document. The notice of assignment
H$s gyMZm, nm°{bgr H$mo godm àXmZ H$aZo dmbo {ZJ_ Ho$ H$m`m©b` _| n§OrH$aU should be submitted for registration to the office of the Corporation,
where the policy is serviced.
Ho$ {bE Xr OmZr Mm{hE&
b) Nominations: Nomination by the holder of a policy of life
~) Zm_m§H$Z: ~r_m A{Y{Z`_, 1938 H$s Ymam 39 Ho$ AZwgma OrdZ ~r_m H$s assurance is required as per Section 39 of the Insurance Act,
nm°{bgrYmaH$ Ûmam Zm_m§H$Z Ano{jV h¡& Ymam 39 Ho$ _m¡OyXm àmdYmZ Bg nm°{bgr 1938, as amended from time to time.The current provisions of
XñVmdoO Ho$ n[a{eï>-2 _| {XE JE h¢& Zm_m§H$Z `m Zm_m§H$Z _| n[adV©Z H$s gyMZm Section 39 are contained in Annexure-2 of this Policy Document.
{ZJ_ H$m`m©b` Ûmam n§OrH$aU hoVw nm°{bgr H$mo godm àXmZ H$aZo dmbr emIm The notice of nomination or change of nomination should be
_|, Xr OmZr Mm{hE& Zm_m§H$Z H$m n§OrH$aU H$aVo g_` {ZJ_ CgH$s d¡YVm `m submitted for registration to the office of the Corporation, where
the policy is serviced. In registering nomination the Corporation
H$mZyZr à^md Ho$ ~mao _| H$moB© {Oå_oXmar ñdrH$ma Zht H$aVm h¡ `m AnZr H$moB© does not accept any responsibility or express any opinion as to its
am` Zht XoVm h¡& validity or legal effect.
2. AmË_hË`m: `h nm°{bgr Ad¡Y _mZr OmEJr 2. Suicide: This policy shall be void
i. AJa ~r{_V ì`pŠV (Mmho dh _mZ{gH$ ê$n go ñdñW hmo `m AñdñW), i. If the Life Assured (whether sane or insane) commits suicide
Omo{I_ Ho$ Ama§^ hmoZo H$s {V{W go 12 _hrZm| Ho$ A§Xa AmË_hË`m H$aVm at any time within 12 months from the date of commencement
h¡ Vmo {ZJ_ Ûmam Bg nm°{bgr Ho$ A§VJ©V {H$gr Xmdo na {dMma Zht {H$`m of risk, the Corporation will not entertain any claim under this
policy except for 80% of the premiums paid excluding any
OmEJm, Ho$db AXm {H$E JE àr{_`_ Ho$ 80% H$mo, {H$Ýht A{V[aŠV am{e`m|, extra amount if charged under the policy due to underwriting
{OÝh| ~r_mboIZ {ZU©`m| Ho$ H$maU nm°{bgr Ho$ A§VJ©V {b`m J`m hmo, VWm decisions and rider premium(s) other than term assurance
amBS>a àr{_`_, {gdm` Q>_© Eí`moaoÝg amBS>a AJa H$moB© hmo, H$m ^wJVmZ rider, if any, provided the policy is in force. This clause shall
{H$`m OmEJm& ~eV} nm°{bgr Mmby AdñWm _| hmo& `h Ymam V~ bmJy Zht not be applicable in case age at entry of the Life Assured is
hmoJr AJa ~r{_V ì`pŠV H$s àdoe na C_« 8 df© go H$_ h¡& below 8 years.

ii. AJa ~r{_V ì`pŠV (Mmho dh _mZ{gH$ ê$n go ñdñW hmo `m AñdñW), ii. If the Life Assured (whether sane or insane) commits suicide
within 12 months from date of revival, an amount which is
nwZM©bZ H$s {V{W go 12 _hrZm| Ho$ A§Xa AmË_hË`m H$aVm h¡ Vmo _¥Ë`w H$s higher of 80% of the premiums paid till the date of death
{V{W VH$ AXm {H$E JE àr{_`åg Ho$ 80% H$mo {H$gr A{V[aŠV am{e`m|, excluding extra amount if charged under the policy due to
{Ogo ~r_mboIZ {ZU©`m| Ho$ H$maU nm°{bgr Ho$ A§VJ©V {b`m J`m hmo VWm underwriting decisions and rider premium(s) other than
amBS>a àr{_`_, {gdm` Q>_© Eí`moaoÝg amBS>a AJa H$moB© hmo, VWm Aä`n©U term assurance rider, if any, or the surrender value, shall be
_yë` H$m ^wJVmZ {H$`m OmEJm& {ZJ_ Ûmam Bg nm°{bgr Ho$ A§VJ©V {H$gr payable. The Corporation will not entertain any other claim
under this policy. This clause shall not be applicable:
AÝ` Xmdo na {dMma Zht {H$`m OmEJm& `h Ymam bmJy Zht hmoJr:
a) In case the age of Life Assured is below 8 years at the
A) AJa nm°{bgr Ho$ nwZM©bZ Ho$ g_` ~r{_V ì`pŠV H$s C_« 8 df© go time of revival; or
H$_ hmo; `m
b) For a policy lapsed without acquiring paid-up value and
~) nm°{bgr MwH$Vm _yë` àmßV {H$E {~Zm H$mbmVrV hmo J`r hmo Vmo Eogr nothing shall be payable under such policy.
nm°{b{g`m| Ho$ A§VJ©V Hw$N> ^r Xo` Zht hmoJm& 3. Tax: Statutory Taxes, if any, imposed on such insurance plans by
3. H$a: Eogr ~r_m `moOZmAm| na `{X H$moB© d¡Ym{ZH$ H$a ^maV gaH$ma `m {H$gr the Government of India or any other constitutional tax Authority of
AÝ` ^maV H$s g§d¡Ym{ZH$ g§ñWm Ûmam H$a bJm`m OmVm h¡ Vmo dh g_`-g_` India shall be as per the Tax laws and the rate of tax as applicable
from time to time.
na bmJy H$a g§~§Yr H$mZyZm| Am¡a H$a H$s Xa Ho$ AZwgma hmoJm&
The amount of Service Tax payable as per the prevailing rates
nm°{bgrYmaH$ H$mo àr{_`_ (_yb àr{_`_ Am¡a amBS>g© g{hV, AJa bmJy hmo) {Og_| shall be payable by the policyholder on premiums (for base policy
AJa nm°{bgr Ho$ A§VJ©V ~r_mboIZ g§~§Yr {ZU©`m| Ho$ VhV H$moB© A{V[aŠV am{e and rider(s), if any) including extra amount if charged under the
br JB© hmo Vmo dh ^r em{_b h¡, na Xo` godm H$a _m¡OyXm Xam| go {b`m OmEJm, policy due to underwriting decisions, which shall be collected
Omo {H$ nm°{bgrYmaH$ Ûmam Xo` àr{_`_ Ho$ D$na d A{V[aŠV hmoJm& AXm {H$E separately over and above in addition to the premiums payable by
JE H$a H$s am{e H$mo `moOZm Ho$ A§VJ©V Xo` {hVbm^m| H$s JUZm _| em{_b Zht the policyholder. The amount of tax paid shall not be considered
for the calculation of benefits payable under the plan.
{H$`m OmEJm&
4. Normal requirements for a claim: The normal documents which
4. Xmdo Ho$ {bE gm_mÝ` AnojmE§: ~r{_V ì`pŠV H$s _¥Ë`w hmoZo na XmdoXma Ûmam Xmdm the claimant shall submit while lodging the claim in case of death
àñVwV H$aVo g_` Xo` gm_mÝ` XñVmdoOm| _| {ZJ_ Ûmam {d{ZYm©[aV Xmdm ànÌ of the Life Assured shall be claim forms, as prescribed by the
Ho$ gmW _yb nm°{bgr XñVmdoO, Xmdo H$s am{e Ho$ grYo ~¢H$ AH$mCÝQ> _| O_m Corporation, accompanied with original policy document, NEFT
hmoZo Ho$ {bE XmdoXma H$s Amoa go EZB©E\$Q>r AmXoe, ñdm{_Ëd H$m à_mU, _¥Ë`w mandate from the claimant for direct credit of the claim amount
to the bank account, proof of title, proof of death, medical
H$m à_mU, _¥Ë`w go nyd© {M{H$Ëgm CnMma, ñHy$b/H$m°boO/{Z`moŠVm H$m à_mU
treatment prior to the death, school / college / employer's
nÌ, BZ _| go Omo bmJy hmo, {ZJ_ H$mo g§VmofàX ê$n _| noe H$aZm hmoJm& AJa certificate, whichever is applicable, to the satisfaction of the
nm°{bgr Ho$ A§VJ©V C_« ñdrH¥$V Zht H$s h¡, Vmo ~r{_V ì`pŠV H$s C_« H$m à_mU Corporation. If the age is not admitted under the policy, the proof
nÌ ^r àñVwV H$aZm hmoJm& of age of the Life assured shall also be submitted.

nm°{bgr Ho$ n[anŠdVm Xmdo _| n[aUV hmoZo `m {dÚ_mZVm {hVbm^ Xmdo H$s Where the policy results into a maturity claim or results into a
pñW{V àmßV H$aZo `m nm°{bgr Ho$ Aä`n©U {H$E OmZo H$s pñW{V _|, ~r{_V survival benefits claim or in case of surrender of the policy, the Life
Assured shall submit the discharge form along with the original
OrdZ H$mo {S>ñMmO© \$m°_© Ho$ gmW _yb nm°{bgr XñVmdoO, Xmdo H$s am{e Ho$ grYo
policy document, NEFT mandate from the claimant for direct
~¢H$ AH$mCÝQ> _| O_m hmoZo Ho$ {bE XmdoXma H$s Amoa go EZB©E\$Q>r AmXoe, C_« credit of the claim amount to the bank account besides proof of
H$m à_mU, AJa C_« H$mo nhbo ñdrH¥$V Zht {H$`m J`m hmo, àñVwV H$aZm hmoJm& age, if the age is not admitted earlier.
5. d¡Ym{ZH$ n[adV©Z: Bg nm°{bgr Ho$ A§VJ©V àr{_`_ d Xo` {hVbm^ VWm {Z`_ 5. Legislative Changes: The Terms and Conditions including the
VWm eV] g§~§{YV {dYmZm| Am¡a {d{Z`_m| _| n[adV©Z Ho$ {df`mYrZ hm|Jo& premiums and benefits payable under this policy are subject
to variation in accordance with the relevant Legislation &
6. bm^m| H$m CXmhaU: _mZH$ OrdZ AdYmaUm na AmYm[aV AmnH$m AZwHy$b {hVbm^ Regulations.
H$m CXmhaU Bg nm°{bgr XñVmdoO Ho$ gmW g§b½Z h¡& 6. Benefit Illustration: Your customized Benefit Illustration is
^mJ - b: gm§{d{YH$$ àmdYmZ enclosed to this Policy Document.
PART – G: STATUTORY PROVISIONS
~r_m A{Y{Z`_ 1938 H$s Ymam 45:
Section 45 of the Insurance Act 1938:
g_`-g_` na `emg§emo{YV ~r_m A{Y{Z`_ 1938 H$s Ymam 45 H$m àmdYmZ bmJy
hmoJm& _m¡OyXm àmdYmZ Bg nm°{bgr XñVmdoO Ho$ n[a{eï>-3 _| g§b½Z h¡& The provisions of Section 45 of the Insurance Act 1938 shall be
applicable as amended from time to time. The current provisions are
{eH$m`V {ZdmaU àUmbr: contained in Annexure-3 of this policy document.

J«mhH$mo§ H$s {eH$m`Vm| Ho$ {ZdmaU Ho$ {bE {ZJ_ Ho$ emIm/_§S>b/joÌr`/Ho$ÝÐr` H$m`m©b` Grievance Redressal Mechanism:
_| {eH$m`V {ZdmaU A{YH$mar h¢& J«mhH$m| H$s {eH$m`V H$m erK« {ZdmaU H$aZo Ho$ The Corporation has Grievance Redressal Officers at Branch/
{bE {ZJ_ Zo AnZo H$ñQ>_a nmoQ>©b (do~gmBS>) http://www.licindia.in Ho$ µO[aE Divisional / Zonal / Central Office to redress grievances of customers.
J«mhH$moÝ_wIr EH$sH¥$V {eH$m`V à~§YZ àUmbr àñVwV H$s h¡, {OgHo$ µO[aE n§OrH¥$V For ensuring quick redressal of customer grievances the Corporation
has introduced Customer friendly Integrated Complaint Management
nm°{bgrYmaH$ AnZr {eH$m`V H$mo grYo XO© H$a gH$Vo h¢ VWm CgH$s pñW{V na
System through our Customer Portal (website) which is http://www.
{ZJamZr aI gH$Vo h¢& J«mhH$ AnZr {H$gr g_ñ`m Ho$ {ZdmaU Ho$ {bE B©_ob AmB©S>r licindia.in, where a registered policy holder can directly register
co_crmgrv@licindia.com na ^r gånH©$ H$a gH$Vo h¢& complaint / grievance and track its status. Customers can also contact
at e-mail id co_crmgrv@licindia.com for redressal of any grievances.
AJa H$moB© J«mhH$ h_go àmßV à{VgmX go g§Vwï> Zht h¡ `m Cgo 15 {XZm| Ho$ A§Xa
H$moB© à{VCÎma àmßV Zht hmoVm h¡ Vmo dh {ZåZ{b{IV _| go {H$gr _mÜ`_ Ho$ µO[aE In case the customer is not satisfied with the response or do not receive
AmB©AmaS>rEAmB© Ho$ {eH$m`V H$j go gånH©$ H$a gH$Vm h¡: a response from us within 15 days, then the customer may approach
the Grievance Cell of the IRDAI through any of the following modes:
• Q>mob \«$s Z§~a 155255/18004254732 (AWm©V AmB©AmaS>rEAmB© Ho$ {eH$m`V • Calling Toll Free Number 155255 / 18004254732 (i.e. IRDAI
H$m°b goÝQ>a) na H$m°b H$aHo$ Grievance Call Centre)
• complaints@irda.gov.in na B©_ob ào{fV H$a| • Sending an email to complaints@irda.gov.in
• http://www.igms.irda.gov.in na Am°ZbmBZ {eH$m`V XO© H$aHo$ • Register the complaint online at http://www.igms.irda.gov.in

• Hy$[a`a/nÌ Ho$ O[aE {eH$m`V ^oOZo H$m nVm: • Address for sending the complaint through courier / letter:

Cn^moŠVm _m_bm {d^mJ, ^maVr` ~r_m {d{Z`m_H$ Ed§ {dH$mg àm{YH$aU, 9dt Consumer Affairs Department, Insurance Regulatory and
Development Authority of India, 9th Floor, United India Towers,
_§{Ob, `wZm`Q>oS> B§{S>`m Q>mdg©, ~era~mJ, h¡Xam~mX-500 029, Am§Y« àXoe. Basheerbagh, Hyderabad – 500 029, Andhra Pradesh.
• \¡$Šg Z§. 040-66789768 na {eH$m`V ^oOH$a • Sending the complaint by Fax to 040-66789768
Omo XmdoXma _¥Ë`w Ho$ Xmdo H$mo AñdrH¥$V {H$E OmZo Ho$ {ZU©` go Ag§VwîQ> hm| do AnZo Claimants not satisfied with the decision of death claim repudiation
_m_bo H$mo g_rjm Ho$ {bE joÌr` H$m`m©b` Ûmam {ddmX g_mYmZ g{_{V `m Ho$ÝÐr` have the option of referring their cases for review to Zonal Office
H$m`m©b` Xmdm {ddmX g_mYmZ g{_{V Ho$ nmg ^oO gH$Vo h¢& àË`oH$ Xmdm {ddmX Claims Dispute Redressal Committee or Central Office Claims Dispute
Redressal Committee. A retired High Court / District Court Judge is
g_mYmZ g{_{V _| CÀM Ý`m`mb`/{Obm Ý`m`mb` Ho$ EH$ godm{Zd¥Îm ݶm¶mYre gXñ`
member of each of the Claims Dispute Redressal Committees. For
Ho$ ê$n _| h¢& {eH$m`Vm| go g§~§{YV Xmdm| Ho$ g_mYmZ Ho$ {bE XmdoXma ^maV gaH$ma redressal of Claims related grievances, claimants can also approach
Ûmam {Z`wŠV ~r_m bmoH$nmb go ^r gånH©$ H$a gH$Vo h¢ Omo {H$ J«mhH$m| H$mo H$_ IM} Insurance Ombudsman who provides for low cost and speedy
Ho$ gmW Ëd[aV J{V go _Ü`ñWVm àXmZ H$aZo Ho$ {bE h¡& arbitration to customers.

n[a{eï> 1 Annexure 1

g_ZwXoeZ - ~r_m H$mZyZ (g§emoYZ) A{Y{Z`_, 2015 Ûmam `Wmg§emo{YV ~r_m Assignment - As per Section 38 of the Insurance Act 1938, as
amended by the Insurance Laws (Amendment) Act, 2015
A{Y{Z`_, 1938 H$s Ymam 38 Ho$ AZwgma
(1) A transfer or assignment of a policy of insurance, wholly or in part,
(1) ~r_m nm°{bgr H$m A§VaU `m g_ZwXoeZ, nyU©V: `m A§eV: à{V\$bg{hV `m BgHo$ whether with or without consideration, may be made only by an
{~Zm, Ho$db nm°{bgr na hr n¥ð>m§H$Z `m AbJ go B§ñQ¯>_oÝQ> Ûmam {H$gr ^r _m_bo endorsement upon the policy itself or by a separate instrument,
_| A§VaUH$Vm© `m g_ZwXoeH$ `m CZHo$ A{YH¥$V EOoÝQ> Ûmam {H$`m Om gH$Vm h¡, signed in either case by the transferor or by the assignor or
{Ogo H$_ go H$_ EH$ gmjr Ûmam gË`m{nV {H$`m OmZm Mm{hE, {deof ê$n go his duly authorised agent and attested by at least one witness,
A§VaU `m Aä`n©U Ho$ VÏ` Am¡a H$maU, g_ZwXo{eV Ho$ nyd©d¥Îm Am¡a g_ZwXoeZ specifically setting forth the fact of transfer or assignment and the
reasons thereof, the antecedents of the assignee and the terms
H$s eVm] H$m CëboI H$aVo hþE& on which the assignment is made.
(2) ~r_mH$Vm© Cn-Ymam (1) Ho$ A§VJ©V {H$E JE {H$gr A§VaU `m g_ZwXoeZ H$mo (2) An insurer may, accept the transfer or assignment, or decline to
ñdrH$ma H$a gH$Vm h¡ `m {H$gr n¥ð>m§H$Z H$mo ñdrH$ma H$aZo go _Zm H$a gH$Vm h¡, act upon any endorsement made under sub-section(1), where it
AJa CgHo$ nmg `h _mZZo H$m n`m©ßV H$maU hmo {H$ `h A§VaU `m g_ZwXoeZ has sufficient reason to believe that such transfer or assignment is
dmñV{dH$ Zht h¡ `m nm°{bgrYmaH$ Ho$ {hV _| `m OZ{hV `m ~r_m nm°{bgr H$s not bonafide or is not in the interest of the policyholder or in public
interest or is for the purpose of trading of insurance policy.
Q´>oqS>J Ho$ à`moOZ hoVw Cn`wŠV Zht h¡&
(3) The insurer shall, before refusing to act upon the endorsement,
(3) ~r_mH$Vm©, n¥ð>m§H$Z na A_b H$aZo go BÝH$ma H$aZo go nhbo AnZr AñdrH¥${V Ho$ record in writing the reasons for such refusal and communicate
H$maU H$mo {b{IV _| XO© H$aoJm VWm nm°{bgrYmaH$ Ûmam Eogo A§VaU `m g_ZwXoeZ the same to the policyholder not later than thirty days from the date
H$m Zmo{Q>g XoZo H$s {V{W go 30 {XZm| Ho$ A§Xa Eogr AñdrH¥${V go nm°{bgrYmaH$ of the policy-holder giving notice of such transfer or assignment.
H$mo gy{MV H$aoJm& (4) Any person aggrieved by the decision of an insurer to decline
(4) ~r_mYmaH$ Ûmam Eogo A§VaU `m n¥ð>m§H$Z na A_b H$aZo go BÝH$ma H$aZo go to act upon such transfer or assignment may within a period of
thirty days from the date of receipt of the communication from the
à^m{dV H$moB© ì`pŠV ~r_mH$Vm© go H$maU g{hV BÝH$ma H$s gyMZm {_bZo H$s insurer containing reasons for such refusal, prefer a claim to the
{V{W go 30 {XZm| Ho$ A§Xa àm{YH$mar Ho$ nmg AnZm Xmdm aI gH$Vm h¡& Authority.
(5) Cn-Ymam (2) Ho$ àmdYmZm| Ho$ AYrZ, A§VaU `m g_ZwXoeZ nyU© hmoJm VWm (5) Subject to the provisions in sub-section (2), the transfer or
Eogo n¥ð>m§H$Z `m {d{YdV gË`m{nV B§ñQ¯>_oÝQ> na A_b à^mdr hmoJm, {gdm` dhm§ assignment shall be complete and effectual upon the execution of
Ohm§ A§VaU `m g_ZwXoeZ ~r_mH$Vm© Ho$ nj _| h¡, ~r_mH$Vm© Ho$ {dê$Õ à^mdr such endorsement or instrument duly attested but except, where
Z hmoJm, VWm `h A§V[aVr `m g_ZwXo{eV `m CZHo$ H$mZyZr à{V{Z{Y H$mo Eogr the transfer or assignment is in favour of the insurer, shall not
be operative as against an insurer, and shall not confer upon the
nm°{bgr Ho$ A§VJ©V am{e Ho$ {bE H$mZyZr Xmdm H$aZo `m CZHo$ Ûmam YZam{e H$mo transferee or assignee, or his legal representative, any right to sue
gwa{jV H$aZo H$m A{YH$ma Zht XoVm h¡& A§VaU `m g_ZwXoeZ H$m {b{IV _| for the amount of such policy or the moneys secured thereby until
Zmo{Q>g `m CŠV n¥ð>m§H$Z `m B§ñQ¯>_oÝQ> H$s à{V, {Ogo O~ VH$ {H$ A§VaUH$Vm© a notice in writing of the transfer or assignment and either the said
VWm A§V[aVr XmoZm| `m CZHo$ {d{YdV A{YH¥$V EOoÝQ²>g Ûmam gË` hmoZo Ho$ {bE endorsement or instrument itself or a copy thereof certified to be
gË`m{nV {H$`m J`m hmo, ~r_mH$Vm© H$mo gm¢nm Zht OmVm h¡& correct by both transferor and transferee or their duly authorised
agents have been delivered to the insurer:
~eV] Ohm§ ~r_mH$Vm© Ho$ ^maV _| EH$ `m A{YH$ H$mamo~ma Ho$ ñWmZ hmo, dhm§
Provided that where the insurer maintains one or more places of
Zmo{Q>g H$mo Ho$db dht na {X`m OmZm h¡, Ohm§ go nm°{bgr H$mo godm àXmZ H$s business in India, such notice shall be delivered only at the place
Om ahr h¡& where the policy is being serviced.
(6) {Og {V{W H$mo Cn-Ymam (5) _| g§X[^©V Zmo{Q>g ~r_mH$Vm© H$mo gwnwX© {H$`m OmVm (6) The date on which the notice referred to in sub-section (5) is
h¡, Cggo dh nm°{bgr _| {hV aIZo dmbo g^r ì`pŠV`m| Ho$ ~rM A§VaU `m delivered to the insurer shall regulate the priority of all claims
under a transfer or assignment as between persons interested in
g_ZwXoeZ Ho$ A§VJ©V g^r Xmdm| Ho$ {bE àmW{_H$Vm H$mo {d{Z`{_V H$aoJr, VWm the policy; and where there is more than one instrument of transfer
Ohm§ A§VaU `m g_ZwXoeZ Ho$ EH$ go A{YH$ B§ñQ¯>_oÝQ> hm| dhm§ Eogo B§ñQ¯>_oÝQ²>g or assignment the priority of the claims under such instruments
Ho$ A§VJ©V Xmdm| H$s àmW{_H$Vm Cg H«$_ Ûmam em{gV hmoJr, {Og_| Cn-Ymam shall be governed by the order in which the notices referred to in
(5) _| g§X{^©V Zmo{Q>g gwnwX© {H$E JE h¢: sub-section (5) are delivered:

g_ZwXo{eVm| Ho$ ~rM ^wJVmZ H$s àmW{_H$Vm Ho$ ~mao _| H$moB© {ddmX CËnÝZ hmoZo Provided that if any dispute as to priority of payment arises as
between assignees, the dispute shall be referred to the Authority.
na Cgo àm{YH$mar H$mo g§X{^©V {H$`m OmEJm&
(7) Upon the receipt of the notice referred to in sub-section (5),
(7) Cn-Ymam (5) _| g§X{^©V Zmo{Q>g Ho$ àmßV hmoZo na, Eogo A§VaU `m g_ZwXoeZ the insurer shall record the fact of such transfer or assignment
Ho$ VÏ` H$mo CgH$s {V{W VWm A§V[aVr `m g_ZwXo{eV Ho$ Zm_ Ho$ gmW XO© together with the date thereof and the name of the transferee or
H$aoJm VWm Zmo{Q>g XoZo dmbo ì`pŠV Ûmam AZwamoY {H$E OmZo na, `m AJa A§V[aVr the assignee and shall, on the request of the person by whom the
`m g_ZwXo{eV, {d{Z`_m| Ûmam {ZYm©[aV H$s JB© \$sg Ho$ ^wJVmZ na, Eogo Zmo{Q>g notice was given, or of the transferee or assignee, on payment
of such fee as may be specified by the regulations, grant a
Ho$ àmßV hmoZo H$s {b{IV nmdVr XoVm h¡; Am¡a Eogr {H$gr nmdVr H$mo ~r_mH$Vm©
written acknowledgement of the receipt of such notice; and any
Ho$ {dê$Õ Bg ~mV H$m {ZîH$fu gmú` _mZm OmEJm {H$ Cgo nmdVr go g§~§{YV such acknowledgement shall be conclusive evidence against
Zmo{Q>g {d{YdV àmßV hþAm h¡& the insurer that he has duly received the notice to which such
acknowledgment relates.
(8) A§VaU `m g_ZwXoeZ Ho$ {Z`_m| VWm eVm] Ho$ AYrZ, ~r_mH$Vm© Ûmam, Cn-Ymam
(5) _| g§X{^©V Zmo{Q>g H$s àmpßV H$s {V{W go, nm°{bgr Ho$ A§VJ©V bm^ Ho$ nmÌ (8) Subject to the terms and conditions of the transfer or assignment,
the insurer shall, from the date of the receipt of the notice referred
A§V[aVr `m g_ZwXo{eV H$s nhMmZ H$aoJm `m Eogm ì`pŠV CZ g^r Xm{`VmAm|
to in sub-section (5), recognize the transferee or assignee named
VWm BpŠd{Q>`m| Ho$ AYrZ hmoJm, {OgH$m {H$ A§VaU `m g_ZwXoeZ H$s {V{W H$mo in the notice as the absolute transferee or assignee entitled to
A§VaUH$Vm© `m g_ZwXoeH$ nmÌ Wm VWm dh nm°{bgr Ho$ g§~§Y _| H$moB© H$ma©dmB© benefit under the policy, and such person shall be subject to all
H$a gH$Vm h¡, dh nm°{bgr Ho$ A§VJ©V F$U àmßV H$a gH$Vm h¡ `m A§VaUH$Vm© liabilities and equities to which the transferor or assignor was
`m g_ZwXoeH$ H$s gh_{V àmßV {H$E {~Zm nm°{bgr H$mo Aä`n©U H$a gH$Vm h¡ subject at the date of the transfer or assignment and may institute
`m Cgo Eogr H$ma©dmB© H$m EH$ nj ~Zm gH$Vm h¡& any proceedings in relation to the policy, obtain a loan under the
policy or surrender the policy without obtaining the consent of the
ñnï>rH$aU - {gdm` BgHo$ {H$ Ohm§ Cn-Ymam (1) _| g§X[^©V n¥ð>m§H$Z ñnï> transferor or assignor or making him a party to such proceedings.
ê$n go CëboI H$aVm hmo {H$ g_ZwXoeZ `m A§VaU, `hm§ Xr JB© Cn-Ymam Explanation – Except where the endorsement referred to in
(10) Ho$ A§VJ©V geV© h¡, àË`oH$ g_ZwXoeZ `m A§VaU H$mo nyU© g_ZwXoeZ `m sub-section (1) expressly indicates that the assignment or
A§VaU _mZm OmEJm VWm g_ZwXo{eV `m A§V[aVr H$mo, O¡gr ^r pñW{V hmo, H«$_e: transfer is conditional in terms of subsection (10) hereunder,
nyU© g_ZwXo{eV `m A§V[aVr _mZm OmEJm& every assignment or transfer shall be deemed to be an absolute
assignment or transfer and the assignee or transferee, as the
(9) ~r_m H$mZyZ (g§emoYZ) A{Y{Z`_ 2015 Ho$ Ama§^ hmoZo go nhbo {H$E JE case may be, shall be deemed to be the absolute assignee or
{H$gr g_ZwXoeZ `m A§VaU go OrdZ ~r_m H$s nm°{bgr Ho$ {H$gr g_ZwXo{eV `m transferee respectively.
A§V[aVr Ho$ A{YH$ma d CnMma Bg Ymam Ho$ àmdYmam| Ûmam à^m{dV Zht hm|Jo& (9) Any rights and remedies of an assignee or transferee of a policy of
life insurance under an assignment or transfer effected prior to the
(10) {H$gr H$mZyZ `m àWm Ho$ hmoZo Ho$ ~mdOyX `m J«mhH$ H$s H$mZyZ Ho$ à{VHy$b ~mÜ`Vm commencement of the Insurance Laws (Amendment) Act, 2015
hmoZo na, ì`pŠV Ho$ nj _| g_ZwXoeZ Bg Xem _| {H$`m Om gH$Vm h¡ {H$ - shall not be affected by the provisions of this section.

A. nm°{bgr Ho$ A§VJ©V YZam{e nm°{bgrYmaH$ `m Zm{_V ì`pŠV `m Zm{_V (10) Notwithstanding any law or custom having the force of law to the
ì`pŠV`m| H$mo Cg Xem _| Xo` hmo gH$Vr h¡ AJa g_ZwXo{eV `m A§V[aVr contrary, an assignment in favour of a person made upon the
condition that-
H$s _¥Ë`w ~r_mYmaH$ go nhbo hmo OmVr h¡; `m
a. The proceeds under the policy shall become payable to the
~. ~r_mYmaH$ nm°{bgr H$s Ad{Y VH$ Or{dV ahVm h¡, _mÝ` hmoJm: policyholder or the nominee or nominees in the event of
either the assignee or transferee predeceasing the insured;
VWm{n geV© g_ZwXo{eV nm°{bgr H$mo Aä`n©U H$aZo `m nm°{bgr na F$U boZo
or
H$m nmÌ Zht hmoJm&
b. The insured surviving the term of the policy, shall be valid:
(11) Cn-Ymam (1) Ho$ A§VJ©V ~r_m nm°{bgr Ho$ Am§[eH$ g_ZwXoeZ `m A§VaU H$s
Provided that a conditional assignee shall not be entitled to obtain
Xem _|, ~r_mH$Vm© H$s Xm{`Vm Am§{eH$ g_ZwXoeZ `m A§VaU Ûmam gwa{jV H$s a loan on the policy or surrender a policy.
JB© am{e VH$ gr{_V hmoJr VWm Eogm nm°{bgrYmaH$ Cgr nm°{bgr Ho$ A§VJ©V Xo`
eof am{e Ho$ {bE nwZ: g_ZwXoeZ `m A§VaU H$aZo H$m nmÌ Zht hmoJm& (11) In the case of the partial assignment or transfer of a policy of
insurance under sub-section (1), the liability of the insurer shall
n[a{eï> 2 be limited to the amount secured by partial assignment or transfer
and such policyholder shall not be entitled to further assign or
Zm_m§H$Z - ~r_m H$mZyZ (g§emoYZ) A{Y{Z`_, 2015 Ûmam `Wmg§emo{YV ~r_m A{Y{Z`_, transfer the residual amount payable under the same policy.
1938 H$s Ymam 39 Ho$ AZwgma Annexure 2
(1) OrdZ ~r_m H$s nm°{bgr H$m YmaH$ AnZo OrdZ na, nm°{bgr boVo g_` `m Nomination - As Section 39 of the Insurance Act 1938, as amended
^wJVmZ hoVw nm°{bgr Ho$ n[anŠd hmoZo go nhbo {H$gr ^r g_`, {H$gr ì`pŠV by the Insurance Laws (Amendment) Act, 2015
`m ì`pŠV`m| H$mo Zm{_V H$a gH$Vm h¡, {Ogo/{OÝh| CgH$s _¥Ë`w H$s pñW{V _| (1) The holder of a policy of life insurance on his own life may, when
nm°{bgr Ûmam g§a[jV am{e H$m ^wJVmZ {H$`m OmEJm& effecting the policy or at any time before the policy matures for
payment, nominate the person or persons to whom the money
eV© `h h¡ {H$, AJa Zm{_V ì`pŠV Zm~m{bJ hmo, Vmo nm°{bgrYmaH$ Ho$ {bE secured by the policy shall be paid in the event of his death:
`h H$mZyZZ C{MV hmoJm {H$ ~r_mH$Vm© Ûmam {ZYm©[aV VarHo$ go {H$gr ì`pŠV H$mo
{Z`wŠV H$ao Omo {H$ Zm{_V ì`pŠV Ho$ Zm~m{bJ ahZo Ho$ Xm¡amZ nm°{bgrYmaH$ H$s Provided that, where any nominee is a minor, it shall be lawful for
the policy holder to appoint any person in the manner laid down
_¥Ë`w hmoZo na nm°{bgr Ûmam g§a{jV am{e H$mo àmßV H$a gHo$& by the insurer, to receive the money secured by policy in the event
(2) Eogo {H$gr Zm_m§H$Z H$mo à^mdr hmoZo Ho$ {bE, AJa dh nm°{bgr H$s eãX `moOZm of his death during the minority of the nominee.
_| {ZJ{_V Zht h¡, Vmo Cgo ~r{_V H$aZo Ho$ {bE gy{MV nm°{bgr na n¥ð>m§H$Z (2) Any such nomination in order to be effectual shall, unless
VWm nm°{bgr go g§~§{YV [aH$m°S>©²g _| CgHo$ Ûmam n§OrH$aU Ho$ µO[aE {ZJ{_V it is incorporated in the text of the policy itself, be made by an
{H$`m OmEJm, VWm Eogo H$moB© Zm_m§H$Z nm°{bgr Ho$ n[anŠd hmoZo go nhbo {H$gr endorsement on the policy communicated to the insurer and
registered by him in the records relating to the policy and any
^r g_` ^wJVmZ go nyd© {H$gr n¥ð>m§H$Z `m dgr`V, O¡gr ^r pñW{V hmo, Ûmam such nomination may at any time before the policy matures for
aÔ {H$E `m ~Xbo Om gH$Vo h¢, bo{H$Z AJa Bg àH$ma {ZañVrH$aU `m n[adV©Z payment be cancelled or changed by an endorsement or a further
Ho$ {bE ~r_mH$Vm© H$mo {b{IV _| gyMZm Z Xr JB© hmo Vmo ~r_mH$Vm© nm°{bgr Ho$ endorsement or a will, as the case may be, but unless notice in
AV§J©V CgHo$ Ûmam dmñV{dH$ ~ZmE JE nm°{bgr H$s eãX `moOZm _| C{ëb{IV writing of any such cancellation or change has been delivered to
`m ~r_mH$Vm© Ho$ A{^boIm| _| n§OrH¥$V Zm_m§{H$V H$mo {H$gr ^wJVmZ Ho$ {bE Xm`r the insurer, the insurer shall not be liable for any payment under
the policy made bonafide by him to a nominee mentioned in the
Zht hmoJm& text of the policy or registered in records of the insurer.
(3) ~r_mH$Vm© Ûmam nm°{bgrYmaH$ H$mo Zm_m§H$Z Ho$ n§OrH¥$V H$amE OmZo `m CgHo$ (3) The insurer shall furnish to the policy holder a written
{ZañVrH$aU `m ~Xbo OmZo Ho$ ~mao _| {b{IV nmdVr XoJm VWm {d{Z`_m| Ûmam acknowledgement of having registered a nomination or a
{d{ZYm©[aV Eogo {ZañVrH$aU `m n[adV©Z H$mo n§OrH¥$V H$aZo Ho$ {bE ewëH$ ^r cancellation or change thereof, and may charge such fee as may
bo gH$Vm h¡& be specified by regulations for registering such cancellation or
change.
(4) Ymam 38 Ho$ AZwH«$_ _| nm°{bgr _| {H$gr A§VaU `m g_ZwXoeZ go Zm_m§H$Z ñdV: (4) A transfer or assignment of a policy made in accordance with
aÔ hmo OmEJm: section 38 shall automatically cancel a nomination:
Provided that the assignment of a policy to the insurer who bears
eV© `h h¡ {H$ ~r_mH$Vm© H$mo nm°{bgr H$m g_ZwXoeZ, Omo {H$ g_ZwXoeZ Ho$ g_` the risk on the policy at the time of the assignment, in consideration
nm°{bgr na Omo{I_ H$m dhZ H$aVm hmo, Cg ~r_mH$Vm© Ûmam nm°{bgr H$s O_mZV of a loan granted by that insurer on the security of the policy within
na, CgHo$ Aä`n©U _yë` `m nwZ: g_ZwXoeZ Ho$ A§VJ©V hmo, F$U ñdê$n H$s its surrender value, or its reassignment on repayment of the loan
^anmB© H$aZo na Zm_m§H$Z aÔ Zht hmoJm, bo{H$Z Zm{_V Ho$ A{YH$ma Ho$db Cg shall not cancel a nomination, but shall affect the rights of the
hX VH$ à^m{dV hm|Jo, {OVZm {H$ nm°{bgr _| ~r_mH$Vm© H$m {hV hmo: nominee only to the extent of the insurer’s interest in the policy:
Provided further that the transfer or assignment of a policy,
AmJo eV© `h h¡ {H$ nm°{bgrYmaH$ H$mo A§V[a{V `m g_ZwXo{eV Ûmam A{J«_ ê$n
whether wholly or in part, in consideration of a loan advanced by
go {XE JE F$U Ho$ à{V\$b ñdê$n nm°{bgr H$m A§VaU `m g_ZwXoeZ, Mmho `h the transferee or assignee to the policyholder, shall not cancel the
nyU©V: hmo `m A§eV:, Zm_m§H$Z aÔ Zht hmoJm, bo{H$Z Zm_m§{H$V ì`pŠV Ho$ A{YH$mam| nomination but shall affect the rights of the nominee only to the
H$mo Cgr hX VH$ à^m{dV H$aoJm, Omo {H$ nm°{bgr _| A§V[aVr `m g_ZwXo{eV H$m extent of the interest of the transferee or assignee, as the case
{hV hmoJm: may be, in the policy:

eV© `h ^r h¡ {H$ Zm_m§H$Z Omo {H$ A§VaU `m g_ZwXoeZ na CgHo$ n[aUm_ñdê$n Provided also that the nomination, which has been automatically
cancelled consequent upon the transfer or assignment, the same
AnZo Amn aÔ hþAm hmo, dh Zm_m§H$Z g_ZwXo{eV Ûmam nwZ: g_ZwXoeZ `m A§V[aVr nomination shall stand automatically revived when the policy is
Ûmam F$U Ho$ ^wJVmZ na {gdm` ~r_mH$Vm© H$mo nm°{bgr H$s O_mZV na, nwZ: reassigned by the assignee or retransferred by the transferee in
A§VaU go ñdV: nwZ:àMm{bV hmo OmEJm& favour of the policyholder on repayment of loan other than on a
security of policy to the insurer.
(5) Ohm§ nm°{bgr H$s ^wJVmZ hoVw n[anŠdVm Cg ì`pŠV Ho$ OrdZH$mb _| hmoVr h¡
{OgHo$ OrdZ H$mo ~r{_V {H$`m J`m h¡ `m AJa Zm{_V ì`pŠV `m EH$ go A{YH$ (5) Where the policy matures for payment during the lifetime of the
person whose life is insured or where the nominee or, if there are
Zm{_Vm| _| go g^r nm°{bgr Ho$ ^wJVmZ hoVw n[anŠd hmoZo go nhbo _a OmVo more nominees than one, all the nominees die before the policy
h¢, dhm§ nm°{bgr Ho$ A§VJ©V gwa{jV am{e H$m ^wJVmZ nm°{bgrYmaH$ `m CgHo$ matures for payment, the amount secured by the policy shall be
CÎmam{YH$m[a`m| `m H$mZyZr à{V{Z{Y`m| `m CÎmam{YH$ma à_mUnÌ Ho$ YmaH$ H$mo, payable to the policyholder or his heirs or legal representatives or
O¡gr ^r pñW{V hmo, {H$`m OmEJm& the holder of a succession certificate, as the case may be.

(6) Ohm§ EH$ `m A{YH$ Zm{_V hm| VWm EH$ `m EH$ go A{YH$ Zm{_V, Cg ì`pŠV (6) Where the nominee or if there are more nominees than one, a
nominee or nominees survive the person whose life is insured, the
Ho$ ~mX Or{dV ahVo h¢, {OgHo$ OrdZ H$mo ~r{_V {H$`m J`m h¡, Vmo nm°{bgr
amount secured by the policy shall be payable to such survivor or
Ûmam gwa{jV H$s JB© am{e H$m ^wJVmZ Eogo CÎmaOrdr `m CÎmaOr{d`m| H$mo {H$`m survivors.
OmEJm&
(7) Subject to the other provisions of this section, where the holder
(7) Bg Ymam Ho$ AÝ` àmdYmZm| Ho$ AYrZ, Ohm§ ~r_m nm°{bgr Ho$ YmaH$ Zo AnZo of a policy of insurance on his own life nominates his parents, or
OrdZ na AnZo _mVm/{nVm `m AnZo OrdZgmWr `m AnZo ~ÀMm| `m AnZo OrdZ his spouse, or his children, or his spouse and children, or any of
them, the nominee or nominees shall be beneficially entitled to the
gmWr Am¡a ~ÀMm| `m CZ_| go {H$gr H$mo Zm{_V {H$`m hmo, Eogo Zm{_V Cn-Ymam
amount payable by the insurer to him or them under sub-section
(6) Ho$ A§VJ©V ~r_mH$Vm© Ûmam Xo` am{e Ho$ {bE bm^mWu hm|Jo, O~ VH$ {H$ `h (6) unless it is proved that the holder of the policy, having regard
gm{~V Zht hmoVm {H$ nm°{bgr H$m YmaH$, nm°{bgr _| CgHo$ Q>mBQ>b H$s àH¥${V to the nature of his title to the policy, could not have conferred any
Ho$ AZwgma Zm_m§{H$V H$mo Eogm bm^mWu Q>mB{Q>b àXmZ Zht H$a gH$Vm h¡& such beneficial title on the nominee.

(8) CnamoŠV H$ho JE Ho$ AYrZ, Ohm§ Zm{_V `m AJa EH$ go A{YH$ Zm{_V hm|, (8) Subject as aforesaid, where the nominee, or if there are more
{OZ na Cn-Ymam (7) bmJy hmoVr h¡, nm°{bgr Ûmam gwa{jV am{e Ho$ ^wJVmZ go nominees than one, a nominee or nominees, to whom sub-section
(7) applies, die after the person whose life is insured but before
nhbo, bo{H$Z Cg ì`pŠV {OgHo$ OrdZ H$mo ~r{_V {H$`m J`m h¡, Ho$ ~mX _a the amount secured by the policy is paid, the amount secured
OmVm h¡ Vmo nm°{bgr Ûmam gwa{jV am{e `m _aZodmbo Zm{_V `m Zm{_Vm| (O¡gr by the policy, or so much of the amount secured by the policy
^r pñW{V hmo) Ho$ {hñgo H$m à{V{Z{YËd H$aZo dmbr nm°{bgr Ûmam gwa{jV am{e as represents the share of the nominee or nominees so dying
H$m ^wJVmZ Zm{_V `m Zm{_Vm| Ho$ CÎmam{YH$m[a`m| `m H$mZyZr à{V{Z{Y`m| `m (as the case may be), shall be payable to the heirs or legal
CÎmam{YH$ma à_mUnÌ Ho$ YmaH$, O¡gr ^r pñW{V hmo, H$mo {H$`m OmEJm VWm do representatives of the nominee or nominees or the holder of a
succession certificate, as the case may be, and they shall be
Eogr am{e H$mo nmZo Ho$ {bE A{YH¥$V bm^mWu hm|Jo&
beneficially entitled to such amount.
(9) Cn-YmamAm| (7) Am¡a (8) _| Hw$N> ^r OrdZ ~r_m H$s {H$gr nm°{bgr H$s (9) Nothing in sub-sections (7) and (8) shall operate to destroy or
Am_X{Z`m| go {H$gr CYmaXmVm Ho$ A{YH$ma H$mo Zï> `m g_mßV Zht H$aoJm& impede the right of any creditor to be paid out of the proceeds of
any policy of life insurance.
(10) Cn-YmamAm| (7) Am¡a (8) Ho$ àmdYmZ ~r_m H$mZyZ (g§emoYZ) A{Y{Z`_ 2015
Ho$ Ama§^ hmoZo Ho$ ~mX ^wJVmZ Ho$ {bE n[anŠd hmoZo dmbr OrdZ ~r_m H$s g^r (10) The provisions of sub-sections (7) and (8) shall apply to all policies
of life insurance maturing for payment after the commencement of
nm°{b{g`m| na bmJy hm|Jo&
the Insurance Laws (Amendment) Act, 2015.
(11) Ohm§ nm°{bgrYmaH$ H$s _¥Ë`w nm°{bgr Ho$ n[anŠd hmoZo Ho$ ~mX hþB© hmo, bo{H$Z (11) Where a policyholder dies after the maturity of the policy but the
nm°{bgr H$s Am` Am¡a {hVbm^ H$m ^wJVmZ Cgo CgH$s _¥Ë`w Ho$ H$maU Z hþE proceeds and benefit of his policy has not been made to him
hm|, Vmo CgHo$ Ûmam Zm{_V CgH$s nm°{bgr Ho$ A§VJ©V Am_XZr Am¡a {hVbm^ H$mo because of his death, in such a case, his nominee shall be entitled
nmZo H$m nmÌ hmoJm& to the proceeds and benefit of his policy.

(12) Bg Ymam Ho$ àmdYmZ OrdZ ~r_m H$s Eogr {H$gr nm°{bgr na bmJy Zht hm|Jo, (12) The provisions of this section shall not apply to any policy of life
insurance to which section 6 of the Married Women’s Property
{Og na Ymam 6, {ddm{hV ór gån{Îm A{Y{Z`_ 1874 bmJy hmoVm hmo `m H$^r Act, 1874, applies or has at any time applied;
bmJy {H$`m J`m hmo&
Provided that where a nomination made whether before or after
eV© `h h¡ {H$, Ohm§ ~r_m H$mZyZ (g§emoYZ) AÜ`mXoe, 2015 Ho$ Ama§^ hmoZo go the commencement of the Insurance Laws (Amendment) Act,
nhbo ~r{_V ì`pŠV Ho$ nËZr `m CgH$s nËZr VWm ~ÀMm| `m CZ_| go {H$gr Ho$ 2015, in favour of the wife of the person who has insured his life
nj _| A{^ì`ŠV ê$n go Zm_m§H$Z {H$`m J`m hmo, Mmho dh nm°{bgr na A§{H$V or of his wife and children or any of them is expressed, whether or
not on the face of the policy, as being made under this section, the
hmo `m Zht, O¡gm {H$ Bg Ymam Ho$ A§VJ©V {H$`m J`m h¡, H${WV Ymam 6 nm°{bgr said section 6 shall be deemed not to apply or not to have applied
na bmJy Zht _mZr OmEJr `m bmJy Zht hmoJr& to the policy.
n[a{eï> 3 Annexure 3

~r_m H$mZyZ (g§emoYZ) A{Y{Z`_, 2015 Ûmam `Wmg§emo{YV ~r_m A{Y{Z`_, 1938 Section 45 as per the Insurance Act 1938, as amended by the
H$r Ymam 45 Ho$ AZwgma Insurance Laws (Amendment) Act, 2015
(1) No policy of life insurance shall be called in question on any
(1) OrdZ ~r_m H$s {H$gr nm°{bgr H$mo, nm°{bgr H$s {V{W go AWm©V nm°{bgr Ho$ Omar ground whatsoever after the expiry of three years from the date of
hmoZo H$s {V{W `m Omo{I_ Ho$ Ama§^ hmoZo H$s {V{W go `m nm°{bgr Ho$ nwZ©MbZ the policy, i.e. from the date of issuance of the policy or the date
H$s {V{W go `m nm°{bgr na amBS>a H$s {V{W go VrZ dfm] H$s g_mpßV na, Omo of commencement of risk or the date of revival of the policy or the
^r ~mX _| hmo, {H$gr ^r AmYma na àíZ Ho$ {bE ~wbm`m Zht Om gH$Vm h¡& date of the rider to the policy, whichever is later.

(2) OrdZ ~r_m H$s {H$gr nm°{bgr H$mo, nm°{bgr Ho$ Omar hmoZo H$s {V{W `m Omo{I_ (2) A policy of life insurance may be called in question at any time
within three years from the date of issuance of the policy or the
Ama§^ hmoZo H$s {V{W `m nm°{bgr Ho$ nwZM©bZ H$s {V{W go `m nm°{bgr Ho$ amBS>a
date of commencement of risk or the date of revival of the policy or
H$s {V{W go VrZ dfm] Ho$ A§Xa {H$gr ^r g_`, Omo ^r ~mX _| hmo, YmoIoY‹S>r the date of the rider to the policy, whichever is later on the ground
Ho$ AmYma na àíZ Ho$ {bE ~wbm`m Om gH$Vm h¡& of fraud:
eV© `h h¡ {H$ ~r_mH$Vm© Ûmam ~r_mYmaH$ H$mo `m ~r_mYmaH$ Ho$ H$mZyZr à{V{Z{Y Provided that the insurer shall have to communicate in writing to
`m Zm{_Vm| `m g_ZwXo{eVm| H$mo {b{IV _| CZ AmYmam| VWm VÏ`m| Ho$ ~mao _| the insured or the legal representatives or nominees or assignees
gy{MV H$aZm hmoJm, {OZHo$ AmYma na `h \¡$gbm {b`m J`m h¡& of the insured the grounds and materials on which such decision
is based.
ñnï>rH$aU I- Bg Cn-Ymam Ho$ à`moOZ hoVw, ""YmoIoY‹S>r'' H$m AW© h¡ ~r_mYmaH$ Explanation I- For the purposes of this sub-section, the expression
`m CgHo$ EOoÝQ> Ûmam ~r_mH$Vm© H$mo YmoIm XoZo `m ~r_mH$Vm© H$mo OrdZ ~r_m “fraud” means any of the following acts committed by the insured
nm°{bgr Omar H$aZo Ho$ {bE à^m{dV H$aZo Ho$ BamXo go {H$`m J`m {ZåZ{b{IV or by his agent, with the intent to deceive the insurer or to induce
_| go H$moB© H$m`©:- the insurer to issue a life insurance policy:-
(A) gwPmd, Omo {H$ VÏ` ê$n _| ghr Zht h¡ VWm {OgHo$ gM hmoZo na ~r_mYmaH$ (a) the suggestion, as a fact of that which is not true and which
H$mo {dídmg Zht h¡; the insured does not believe to be true;

(~) ~r_mYmaH$ Ûmam {H$gr VÏ` H$mo {N>nmZm, Omo CgH$s OmZH$mar _| Wm `m (b) the active concealment of a fact by the insured having
CgH$s dmñV{dH$Vm na Cgo {dídmg Wm; knowledge or belief of the fact;
(c) any other act fitted to deceive; and
(g) YmoIoY‹S>r Ho$ BamXo go CR>m`m J`m H$moB© AÝ` H$X_; VWm
(d) any such act or omission as the law specially declares to be
(X) H$moB© AÝ` Eogm H$X_ `m ^yb-MyH$ {Ogo H$mZyZ {deof ê$n go YmoImY‹S>r fraudulent.
_mZVm hmo&
Explanation II- Mere silence as to facts likely to affect the
ñnï>rH$aU II- ~r_mH$Vm© Ûmam Omo{I_ Ho$ AmH$bZ H$mo à^m{dV H$aZo dmbo VÏ`m| assessment of the risk by the insurer is not fraud, unless the
Ho$ ~mao _| {gµ\©$ Mwn ahZm YmoImY‹S>r Zht h¡, O~ VH$ {H$ _m_bo H$s n[apñW{V`m| circumstances of the case are such that regard being had to them,
Ho$ AZwgma, ~r_mYmaH$ `m CgHo$ EOoÝQ> H$m `h H$V©ì` h¡& ~mobZo go Mwn ahZm it is the duty of the insured or his agent, keeping silence to speak,
`m AÝ`Wm CgH$s Im_moer AnZo Amn _| ~mobZo Ho$ ~am~a hmo& or unless his silence is, in itself, equivalent to speak.

(3) CnYmam (2) _| Hw$N> ^r {Z{hV hmoZo Ho$ ~mdOyX, H$moB© ^r ~r_mH$Vm© {H$gr OrdZ (3) Notwithstanding anything contained in subsection (2), no insurer
shall repudiate a life insurance policy on the ground of fraud if the
~r_m nm°{bgr H$mo YmoIoY‹S>r Ho$ AmYma na AñdrH¥$V Zht H$a gH$Vm h¡, AJa
insured can prove that the misstatement of or suppression of a
~r_mYmaH$/bm^mWu `h à_m{UV H$a gHo$ {H$ CgHo$ Ûmam H$s JB© JbV~`mZr material fact was true to the best of his knowledge and belief or
CgH$s A{YH$V_ OmZH$mar Ho$ AZwgma ghr Wr Am¡a CgZo OmZ~yPH$a VÏ`m| that there was no deliberate intention to suppress the fact or that
H$mo {N>nmZo H$s H$mo{ee Zht H$s `m H${WV JbV~`mZr `m _hÎdnyU© VÏ` H$mo such misstatement of or suppression of a material fact are within
{N>nm`m OmZm ~r_mH$Vm© H$s OmZH$mar _| Wm& the knowledge of the insurer.
YmoIoY‹S>r Ho$ _m_bo _| Bgo JbV gm{~V H$aZo H$m Xm{`Ëd bm^m{W©`m| na h¡ AJa Provided that in case of fraud, the onus of disproving lies upon the
nm°{bgrYmaH$ Or{dV Zht h¡& beneficiaries, in case the policyholder is not alive.

ñnï>rH$aU - H$moB© ì`pŠV Omo ~r_m H$s g§{dXm H$m AmJ«h Am¡a CgH$s gm¡Xo~mOr Explanation – A person who solicits and negotiates a contract of
H$aVm h¡ Cgo g§{dXm Ho$ à`moOZ Ho$ {bE ~r_mH$Vm© H$m EOoÝQ> _mZm OmEJm& insurance shall be deemed for the purpose of the formation of the
contract, to be the agent of the insurer.
(4) OrdZ ~r_m H$s {H$gr nm°{bgr H$mo nm°{bgr Ho$ Omar H$aZo H$s {V{W go `m Omo{I_
(4) A policy of life insurance may be called in question at any time
Ho$ Ama§^ hmoZo H$s {V{W go `m nm°{bgr Ho$ nwZM©bZ H$s {V{W go `m nm°{bgr Ho$ within three years from the date of issuance of the policy or the
amBS>a H$s {V{W go VrZ dfm] Ho$ A§Xa, Omo ^r ~mX _| hmo, {H$gr ^r g_`, Bg date of commencement of risk or the date of revival of the policy
AmYma na àíZ Ho$ {bE ~wbm`m Om gH$Vm h¡ {H$ ~r{_V ì`pŠV Ho$ OrdZH$mb or the date of the rider to the policy, whichever is later, on the
go g§~§{YV {H$gr VÏ` H$mo àñVmd ànÌ _| `m {H$gr AÝ` H$mJOmV _|, {OgHo$ ground that any statement of or suppression of a fact material to
AmYma na nm°{bgr Omar H$s JB© Wr `m nwZ©MbZ H$s JB© Wr `m amBS>a Omar the expectancy of the life of the insured was incorrectly made in
{H$`m J`m Wm, {N>nm`m J`m Wm `m JbV {XIm`m J`m Wm& the proposal or other document on the basis of which the policy
was issued or revived or rider issued:
eV© `h h¡ {H$ ~r_mH$Vm© Ûmam ~r_mYmaH$ H$mo `m ~r_mYmaH$ Ho$ H$mZyZr à{V{Z{Y
Provided that the insurer shall have to communicate in writing to
`m Zm_m§{H$V ì`pŠV`m| `m g_ZwXo{eVm| H$mo {b{IV _| CZ AmYmam| VWm VÏ`m|
the insured or the legal representatives or nominees or assignees
Ho$ ~mao _| gy{MV H$aZm hmoJm, {OZHo$ AmYma na OrdZ ~r_m H$mo nm°{bgr H$mo of the insured the grounds and materials on which such decision
AñdrH¥$V H$aZo H$m `h \¡$gbm {b`m J`m h¡& to repudiate the policy of life insurance is based:
AmJo eV© `h h¡ {H$ _hÎdnyU© VÏ` H$s JbV~`mZr `m {N>nmE OmZo Ho$ AmYma Provided further that in case of repudiation of the policy on the
na nm°{bgr H$mo AñdrH¥$V {H$E OmZo VWm YmoIoY‹S>r H$s pñW{V Z hmoZo na, ground of misstatement or suppression of a material fact, and not
AñdrH¥${V H$s {V{W VH$ nm°{bgr na O_m {H$E JE g^r àr{_`_m| H$m ^wJVmZ on the ground of fraud the premiums collected on the policy till
~r_mYmaH$ `m ~r_mYmaH$ Ho$ H$mZyZr à{V{Z{Y `m Zm{_Vm| `m g_ZwXo{eVm| H$mo Eogr the date of repudiation shall be paid to the insured or the legal
AñdrH¥${V H$s {V{W go Zã~o {XZm| Ho$ A§Xa H$a {X`m OmEJm& representatives or nominees or assignees of the insured within a
period of ninety days from the date of such repudiation.
ñnï>rH$aU - Bg Cn-Ymam Ho$ à`moOZ hoVw, {H$gr VÏ` H$s JbV~`mZr `m {N>nmE
Explanation - For the purposes of this sub-section, the
OmZo H$mo V~ VH$ _hÎdnyU© Zht _mZm OmEJm, O~ VH$ {H$ CgH$m ~r_mH$Vm© Ûmam
misstatement of or suppression of fact shall not be considered
ñdrH$ma {H$E JE Omo{I_ na H$moB© àË`j à^md Z hmo, `h à_m{UV H$aZo H$m material unless it has a direct bearing on the risk undertaken by
Xm{`Ëd ~r_mH$Vm© H$m hmoJm {H$ AJa ~r_mH$Vm© H$mo ñWm{nV VÏ` H$s OmZH$mar the insurer, the onus is on the insurer to show that had the insurer
hmoVr Vmo dh ~r_mYmaH$ H$mo `h OrdZ ~r_m nm°{bgr Omar Zht H$aVm& been aware of the said fact no life insurance policy would have
been issued to the insured.
(5) Bg Ymam _| {Z{hV Hw$N> ^r ~r_mH$Vm© H$mo {H$gr ^r g_` C_« H$m à_mU _m§JZo
go Zht amoH$Vr h¡, AJa dh BgHo$ {bE A{YH¥$V h¡ VWm {H$gr nm°{bgr H$s {gµ\©$ (5) Nothing in this section shall prevent the insurer from calling for
Bg{bE àíZ Ho$ {bE ~wbm`m Zht Om gH$Vm h¡ Š`mo§{H$ àñVmd _| JbV CëboI proof of age at any time if he is entitled to do so, and no policy
H$s JB© ~r{_V ì`pŠV H$s C_« H$mo g~yV Ho$ AmYma na ~mX _| g_m`mo{OV {H$`m shall be deemed to be called in question merely because the
terms of the policy are adjusted on subsequent proof that the age
J`m Wm&
of the life insured was incorrectly stated in the proposal.
n[a[eï 4 Annexure 4
EbAmB©gr H$s OrdZ C‘§J (bm^ g{hV) LIC’s Jeevan Umang (With Profits)
Hw$b AXm {H$E JE àr{_`_m| na bmJy Jma§Q>rS> Aä`n©U _yë` KQ>H$ Guaranteed Surrender Value Factors Applicable to Total
Premiums Paid
nm°{bgr Ad{Y → Policy Term →
45 46 47 48 49 50 51 52 53 54 55 56 45 46 47 48 49 50 51 52 53 54 55 56
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
8 51.08% 51.05% 51.03% 51.00% 50.98% 50.95% 50.93% 50.91% 50.89% 50.87% 50.85% 50.83% 8 51.08% 51.05% 51.03% 51.00% 50.98% 50.95% 50.93% 50.91% 50.89% 50.87% 50.85% 50.83%
9 52.16% 52.11% 52.05% 52.00% 51.95% 51.90% 51.86% 51.82% 51.78% 51.74% 51.70% 51.67% 9 52.16% 52.11% 52.05% 52.00% 51.95% 51.90% 51.86% 51.82% 51.78% 51.74% 51.70% 51.67%
10 53.24% 53.16% 53.08% 53.00% 52.93% 52.86% 52.79% 52.73% 52.67% 52.61% 52.55% 52.50% 10 53.24% 53.16% 53.08% 53.00% 52.93% 52.86% 52.79% 52.73% 52.67% 52.61% 52.55% 52.50%
11 54.32% 54.21% 54.10% 54.00% 53.90% 53.81% 53.72% 53.64% 53.56% 53.48% 53.40% 53.33% 11 54.32% 54.21% 54.10% 54.00% 53.90% 53.81% 53.72% 53.64% 53.56% 53.48% 53.40% 53.33%
12 55.41% 55.26% 55.13% 55.00% 54.88% 54.76% 54.65% 54.55% 54.44% 54.35% 54.26% 54.17% 12 55.41% 55.26% 55.13% 55.00% 54.88% 54.76% 54.65% 54.55% 54.44% 54.35% 54.26% 54.17%
13 56.49% 56.32% 56.15% 56.00% 55.85% 55.71% 55.58% 55.45% 55.33% 55.22% 55.11% 55.00% 13 56.49% 56.32% 56.15% 56.00% 55.85% 55.71% 55.58% 55.45% 55.33% 55.22% 55.11% 55.00%
14 57.57% 57.37% 57.18% 57.00% 56.83% 56.67% 56.51% 56.36% 56.22% 56.09% 55.96% 55.83% 14 57.57% 57.37% 57.18% 57.00% 56.83% 56.67% 56.51% 56.36% 56.22% 56.09% 55.96% 55.83%
15 58.65% 58.42% 58.21% 58.00% 57.80% 57.62% 57.44% 57.27% 57.11% 56.96% 56.81% 56.67% 15 58.65% 58.42% 58.21% 58.00% 57.80% 57.62% 57.44% 57.27% 57.11% 56.96% 56.81% 56.67%
16 59.73% 59.47% 59.23% 59.00% 58.78% 58.57% 58.37% 58.18% 58.00% 57.83% 57.66% 57.50% 16 59.73% 59.47% 59.23% 59.00% 58.78% 58.57% 58.37% 58.18% 58.00% 57.83% 57.66% 57.50%
17 60.81% 60.53% 60.26% 60.00% 59.76% 59.52% 59.30% 59.09% 58.89% 58.70% 58.51% 58.33% 17 60.81% 60.53% 60.26% 60.00% 59.76% 59.52% 59.30% 59.09% 58.89% 58.70% 58.51% 58.33%
18 61.89% 61.58% 61.28% 61.00% 60.73% 60.48% 60.23% 60.00% 59.78% 59.57% 59.36% 59.17% 18 61.89% 61.58% 61.28% 61.00% 60.73% 60.48% 60.23% 60.00% 59.78% 59.57% 59.36% 59.17%
19 62.97% 62.63% 62.31% 62.00% 61.71% 61.43% 61.16% 60.91% 60.67% 60.43% 60.21% 60.00% 19 62.97% 62.63% 62.31% 62.00% 61.71% 61.43% 61.16% 60.91% 60.67% 60.43% 60.21% 60.00%
20 64.05% 63.68% 63.33% 63.00% 62.68% 62.38% 62.09% 61.82% 61.56% 61.30% 61.06% 60.83% 20 64.05% 63.68% 63.33% 63.00% 62.68% 62.38% 62.09% 61.82% 61.56% 61.30% 61.06% 60.83%
21 65.14% 64.74% 64.36% 64.00% 63.66% 63.33% 63.02% 62.73% 62.44% 62.17% 61.91% 61.67% 21 65.14% 64.74% 64.36% 64.00% 63.66% 63.33% 63.02% 62.73% 62.44% 62.17% 61.91% 61.67%
22 66.22% 65.79% 65.38% 65.00% 64.63% 64.29% 63.95% 63.64% 63.33% 63.04% 62.77% 62.50% 22 66.22% 65.79% 65.38% 65.00% 64.63% 64.29% 63.95% 63.64% 63.33% 63.04% 62.77% 62.50%
23 67.30% 66.84% 66.41% 66.00% 65.61% 65.24% 64.88% 64.55% 64.22% 63.91% 63.62% 63.33% 23 67.30% 66.84% 66.41% 66.00% 65.61% 65.24% 64.88% 64.55% 64.22% 63.91% 63.62% 63.33%
24 68.38% 67.89% 67.44% 67.00% 66.59% 66.19% 65.81% 65.45% 65.11% 64.78% 64.47% 64.17% 24 68.38% 67.89% 67.44% 67.00% 66.59% 66.19% 65.81% 65.45% 65.11% 64.78% 64.47% 64.17%
25 69.46% 68.95% 68.46% 68.00% 67.56% 67.14% 66.74% 66.36% 66.00% 65.65% 65.32% 65.00% 25 69.46% 68.95% 68.46% 68.00% 67.56% 67.14% 66.74% 66.36% 66.00% 65.65% 65.32% 65.00%
26 70.54% 70.00% 69.49% 69.00% 68.54% 68.10% 67.67% 67.27% 66.89% 66.52% 66.17% 65.83% 26 70.54% 70.00% 69.49% 69.00% 68.54% 68.10% 67.67% 67.27% 66.89% 66.52% 66.17% 65.83%
27 71.62% 71.05% 70.51% 70.00% 69.51% 69.05% 68.60% 68.18% 67.78% 67.39% 67.02% 66.67% 27 71.62% 71.05% 70.51% 70.00% 69.51% 69.05% 68.60% 68.18% 67.78% 67.39% 67.02% 66.67%
28 72.70% 72.11% 71.54% 71.00% 70.49% 70.00% 69.53% 69.09% 68.67% 68.26% 67.87% 67.50% 28 72.70% 72.11% 71.54% 71.00% 70.49% 70.00% 69.53% 69.09% 68.67% 68.26% 67.87% 67.50%
29 73.78% 73.16% 72.56% 72.00% 71.46% 70.95% 70.47% 70.00% 69.56% 69.13% 68.72% 68.33% 29 73.78% 73.16% 72.56% 72.00% 71.46% 70.95% 70.47% 70.00% 69.56% 69.13% 68.72% 68.33%
30 74.86% 74.21% 73.59% 73.00% 72.44% 71.90% 71.40% 70.91% 70.44% 70.00% 69.57% 69.17% 30 74.86% 74.21% 73.59% 73.00% 72.44% 71.90% 71.40% 70.91% 70.44% 70.00% 69.57% 69.17%
31 75.95% 75.26% 74.62% 74.00% 73.41% 72.86% 72.33% 71.82% 71.33% 70.87% 70.43% 70.00% 31 75.95% 75.26% 74.62% 74.00% 73.41% 72.86% 72.33% 71.82% 71.33% 70.87% 70.43% 70.00%
32 77.03% 76.32% 75.64% 75.00% 74.39% 73.81% 73.26% 72.73% 72.22% 71.74% 71.28% 70.83% 32 77.03% 76.32% 75.64% 75.00% 74.39% 73.81% 73.26% 72.73% 72.22% 71.74% 71.28% 70.83%
33 78.11% 77.37% 76.67% 76.00% 75.37% 74.76% 74.19% 73.64% 73.11% 72.61% 72.13% 71.67% 33 78.11% 77.37% 76.67% 76.00% 75.37% 74.76% 74.19% 73.64% 73.11% 72.61% 72.13% 71.67%
34 79.19% 78.42% 77.69% 77.00% 76.34% 75.71% 75.12% 74.55% 74.00% 73.48% 72.98% 72.50% 34 79.19% 78.42% 77.69% 77.00% 76.34% 75.71% 75.12% 74.55% 74.00% 73.48% 72.98% 72.50%
35 80.27% 79.47% 78.72% 78.00% 77.32% 76.67% 76.05% 75.45% 74.89% 74.35% 73.83% 73.33% 35 80.27% 79.47% 78.72% 78.00% 77.32% 76.67% 76.05% 75.45% 74.89% 74.35% 73.83% 73.33%
36 81.35% 80.53% 79.74% 79.00% 78.29% 77.62% 76.98% 76.36% 75.78% 75.22% 74.68% 74.17% 36 81.35% 80.53% 79.74% 79.00% 78.29% 77.62% 76.98% 76.36% 75.78% 75.22% 74.68% 74.17%
37 82.43% 81.58% 80.77% 80.00% 79.27% 78.57% 77.91% 77.27% 76.67% 76.09% 75.53% 75.00% 37 82.43% 81.58% 80.77% 80.00% 79.27% 78.57% 77.91% 77.27% 76.67% 76.09% 75.53% 75.00%
38 83.51% 82.63% 81.79% 81.00% 80.24% 79.52% 78.84% 78.18% 77.56% 76.96% 76.38% 75.83% 38 83.51% 82.63% 81.79% 81.00% 80.24% 79.52% 78.84% 78.18% 77.56% 76.96% 76.38% 75.83%
39 84.59% 83.68% 82.82% 82.00% 81.22% 80.48% 79.77% 79.09% 78.44% 77.83% 77.23% 76.67% 39 84.59% 83.68% 82.82% 82.00% 81.22% 80.48% 79.77% 79.09% 78.44% 77.83% 77.23% 76.67%
40 85.68% 84.74% 83.85% 83.00% 82.20% 81.43% 80.70% 80.00% 79.33% 78.70% 78.09% 77.50% 40 85.68% 84.74% 83.85% 83.00% 82.20% 81.43% 80.70% 80.00% 79.33% 78.70% 78.09% 77.50%
41 86.76% 85.79% 84.87% 84.00% 83.17% 82.38% 81.63% 80.91% 80.22% 79.57% 78.94% 78.33% 41 86.76% 85.79% 84.87% 84.00% 83.17% 82.38% 81.63% 80.91% 80.22% 79.57% 78.94% 78.33%
42 87.84% 86.84% 85.90% 85.00% 84.15% 83.33% 82.56% 81.82% 81.11% 80.43% 79.79% 79.17% 42 87.84% 86.84% 85.90% 85.00% 84.15% 83.33% 82.56% 81.82% 81.11% 80.43% 79.79% 79.17%
43 88.92% 87.89% 86.92% 86.00% 85.12% 84.29% 83.49% 82.73% 82.00% 81.30% 80.64% 80.00% 43 88.92% 87.89% 86.92% 86.00% 85.12% 84.29% 83.49% 82.73% 82.00% 81.30% 80.64% 80.00%
44 90.00% 88.95% 87.95% 87.00% 86.10% 85.24% 84.42% 83.64% 82.89% 82.17% 81.49% 80.83% 44 90.00% 88.95% 87.95% 87.00% 86.10% 85.24% 84.42% 83.64% 82.89% 82.17% 81.49% 80.83%
45 90.00% 90.00% 88.97% 88.00% 87.07% 86.19% 85.35% 84.55% 83.78% 83.04% 82.34% 81.67% 45 90.00% 90.00% 88.97% 88.00% 87.07% 86.19% 85.35% 84.55% 83.78% 83.04% 82.34% 81.67%
46 90.00% 90.00% 89.00% 88.05% 87.14% 86.28% 85.45% 84.67% 83.91% 83.19% 82.50% 46 90.00% 90.00% 89.00% 88.05% 87.14% 86.28% 85.45% 84.67% 83.91% 83.19% 82.50%
47 90.00% 90.00% 89.02% 88.10% 87.21% 86.36% 85.56% 84.78% 84.04% 83.33% 47 90.00% 90.00% 89.02% 88.10% 87.21% 86.36% 85.56% 84.78% 84.04% 83.33%
Policy Year ←

48

48 90.00% 90.00% 89.05% 88.14% 87.27% 86.44% 85.65% 84.89% 84.17% 90.00% 90.00% 89.05% 88.14% 87.27% 86.44% 85.65% 84.89% 84.17%
49 90.00% 90.00% 89.07% 88.18% 87.33% 86.52% 85.74% 85.00%
nm°{bgr df©

49 90.00% 90.00% 89.07% 88.18% 87.33% 86.52% 85.74% 85.00%


50 90.00% 90.00% 89.09% 88.22% 87.39% 86.60% 85.83% 50 90.00% 90.00% 89.09% 88.22% 87.39% 86.60% 85.83%
51 90.00% 90.00% 89.11% 88.26% 87.45% 86.67% 51 90.00% 90.00% 89.11% 88.26% 87.45% 86.67%
52 90.00% 90.00% 89.13% 88.30% 87.50% 52 90.00% 90.00% 89.13% 88.30% 87.50%
53 90.00% 90.00% 89.15% 88.33% 53 90.00% 90.00% 89.15% 88.33%
54 90.00% 90.00% 89.17% 54 90.00% 90.00% 89.17%
55 90.00% 90.00% 55 90.00% 90.00%
56 90.00% 56 90.00%
57 57
58 58
59 59
60 60
61 61
62 62
63 63
64 64
65 65
66 66
67 67
68 68
69 69
70 70
71 71
72 72
73 73
74 74
75 75
76 76
77 77
78 78
79 79
80 80
81 81
82 82
83 83
84 84
85 85
86 86
87 87
88 88
89 89
90 90
91 91
92 92
93 93
94 94
95 95
96 96
97 97
98 98
99 99
100 100
n[a[eï> - 4 (H«$_e:) Annexure - 4 (contd...)

nm°{bgr Ad{Y → Policy Term →


57 58 59 60 61 62 63 64 65 66 67 68 57 58 59 60 61 62 63 64 65 66 67 68
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
8 50.82% 50.80% 50.78% 50.77% 50.75% 50.74% 50.73% 50.71% 50.70% 50.69% 50.68% 50.67% 8 50.82% 50.80% 50.78% 50.77% 50.75% 50.74% 50.73% 50.71% 50.70% 50.69% 50.68% 50.67%
9 51.63% 51.60% 51.57% 51.54% 51.51% 51.48% 51.45% 51.43% 51.40% 51.38% 51.36% 51.33% 9 51.63% 51.60% 51.57% 51.54% 51.51% 51.48% 51.45% 51.43% 51.40% 51.38% 51.36% 51.33%
10 52.45% 52.40% 52.35% 52.31% 52.26% 52.22% 52.18% 52.14% 52.11% 52.07% 52.03% 52.00% 10 52.45% 52.40% 52.35% 52.31% 52.26% 52.22% 52.18% 52.14% 52.11% 52.07% 52.03% 52.00%
11 53.27% 53.20% 53.14% 53.08% 53.02% 52.96% 52.91% 52.86% 52.81% 52.76% 52.71% 52.67% 11 53.27% 53.20% 53.14% 53.08% 53.02% 52.96% 52.91% 52.86% 52.81% 52.76% 52.71% 52.67%
12 54.08% 54.00% 53.92% 53.85% 53.77% 53.70% 53.64% 53.57% 53.51% 53.45% 53.39% 53.33% 12 54.08% 54.00% 53.92% 53.85% 53.77% 53.70% 53.64% 53.57% 53.51% 53.45% 53.39% 53.33%
13 54.90% 54.80% 54.71% 54.62% 54.53% 54.44% 54.36% 54.29% 54.21% 54.14% 54.07% 54.00% 13 54.90% 54.80% 54.71% 54.62% 54.53% 54.44% 54.36% 54.29% 54.21% 54.14% 54.07% 54.00%
14 55.71% 55.60% 55.49% 55.38% 55.28% 55.19% 55.09% 55.00% 54.91% 54.83% 54.75% 54.67% 14 55.71% 55.60% 55.49% 55.38% 55.28% 55.19% 55.09% 55.00% 54.91% 54.83% 54.75% 54.67%
15 56.53% 56.40% 56.27% 56.15% 56.04% 55.93% 55.82% 55.71% 55.61% 55.52% 55.42% 55.33% 15 56.53% 56.40% 56.27% 56.15% 56.04% 55.93% 55.82% 55.71% 55.61% 55.52% 55.42% 55.33%
16 57.35% 57.20% 57.06% 56.92% 56.79% 56.67% 56.55% 56.43% 56.32% 56.21% 56.10% 56.00% 16 57.35% 57.20% 57.06% 56.92% 56.79% 56.67% 56.55% 56.43% 56.32% 56.21% 56.10% 56.00%
17 58.16% 58.00% 57.84% 57.69% 57.55% 57.41% 57.27% 57.14% 57.02% 56.90% 56.78% 56.67% 17 58.16% 58.00% 57.84% 57.69% 57.55% 57.41% 57.27% 57.14% 57.02% 56.90% 56.78% 56.67%
18 58.98% 58.80% 58.63% 58.46% 58.30% 58.15% 58.00% 57.86% 57.72% 57.59% 57.46% 57.33% 18 58.98% 58.80% 58.63% 58.46% 58.30% 58.15% 58.00% 57.86% 57.72% 57.59% 57.46% 57.33%
19 59.80% 59.60% 59.41% 59.23% 59.06% 58.89% 58.73% 58.57% 58.42% 58.28% 58.14% 58.00% 19 59.80% 59.60% 59.41% 59.23% 59.06% 58.89% 58.73% 58.57% 58.42% 58.28% 58.14% 58.00%
20 60.61% 60.40% 60.20% 60.00% 59.81% 59.63% 59.45% 59.29% 59.12% 58.97% 58.81% 58.67% 20 60.61% 60.40% 60.20% 60.00% 59.81% 59.63% 59.45% 59.29% 59.12% 58.97% 58.81% 58.67%
21 61.43% 61.20% 60.98% 60.77% 60.57% 60.37% 60.18% 60.00% 59.82% 59.66% 59.49% 59.33% 21 61.43% 61.20% 60.98% 60.77% 60.57% 60.37% 60.18% 60.00% 59.82% 59.66% 59.49% 59.33%
22 62.24% 62.00% 61.76% 61.54% 61.32% 61.11% 60.91% 60.71% 60.53% 60.34% 60.17% 60.00% 22 62.24% 62.00% 61.76% 61.54% 61.32% 61.11% 60.91% 60.71% 60.53% 60.34% 60.17% 60.00%
23 63.06% 62.80% 62.55% 62.31% 62.08% 61.85% 61.64% 61.43% 61.23% 61.03% 60.85% 60.67% 23 63.06% 62.80% 62.55% 62.31% 62.08% 61.85% 61.64% 61.43% 61.23% 61.03% 60.85% 60.67%
24 63.88% 63.60% 63.33% 63.08% 62.83% 62.59% 62.36% 62.14% 61.93% 61.72% 61.53% 61.33% 24 63.88% 63.60% 63.33% 63.08% 62.83% 62.59% 62.36% 62.14% 61.93% 61.72% 61.53% 61.33%
25 64.69% 64.40% 64.12% 63.85% 63.58% 63.33% 63.09% 62.86% 62.63% 62.41% 62.20% 62.00% 25 64.69% 64.40% 64.12% 63.85% 63.58% 63.33% 63.09% 62.86% 62.63% 62.41% 62.20% 62.00%
26 65.51% 65.20% 64.90% 64.62% 64.34% 64.07% 63.82% 63.57% 63.33% 63.10% 62.88% 62.67% 26 65.51% 65.20% 64.90% 64.62% 64.34% 64.07% 63.82% 63.57% 63.33% 63.10% 62.88% 62.67%
27 66.33% 66.00% 65.69% 65.38% 65.09% 64.81% 64.55% 64.29% 64.04% 63.79% 63.56% 63.33% 27 66.33% 66.00% 65.69% 65.38% 65.09% 64.81% 64.55% 64.29% 64.04% 63.79% 63.56% 63.33%
28 67.14% 66.80% 66.47% 66.15% 65.85% 65.56% 65.27% 65.00% 64.74% 64.48% 64.24% 64.00% 28 67.14% 66.80% 66.47% 66.15% 65.85% 65.56% 65.27% 65.00% 64.74% 64.48% 64.24% 64.00%
29 67.96% 67.60% 67.25% 66.92% 66.60% 66.30% 66.00% 65.71% 65.44% 65.17% 64.92% 64.67% 29 67.96% 67.60% 67.25% 66.92% 66.60% 66.30% 66.00% 65.71% 65.44% 65.17% 64.92% 64.67%
30 68.78% 68.40% 68.04% 67.69% 67.36% 67.04% 66.73% 66.43% 66.14% 65.86% 65.59% 65.33% 30 68.78% 68.40% 68.04% 67.69% 67.36% 67.04% 66.73% 66.43% 66.14% 65.86% 65.59% 65.33%
31 69.59% 69.20% 68.82% 68.46% 68.11% 67.78% 67.45% 67.14% 66.84% 66.55% 66.27% 66.00% 31 69.59% 69.20% 68.82% 68.46% 68.11% 67.78% 67.45% 67.14% 66.84% 66.55% 66.27% 66.00%
32 70.41% 70.00% 69.61% 69.23% 68.87% 68.52% 68.18% 67.86% 67.54% 67.24% 66.95% 66.67% 32 70.41% 70.00% 69.61% 69.23% 68.87% 68.52% 68.18% 67.86% 67.54% 67.24% 66.95% 66.67%
33 71.22% 70.80% 70.39% 70.00% 69.62% 69.26% 68.91% 68.57% 68.25% 67.93% 67.63% 67.33% 33 71.22% 70.80% 70.39% 70.00% 69.62% 69.26% 68.91% 68.57% 68.25% 67.93% 67.63% 67.33%
34 72.04% 71.60% 71.18% 70.77% 70.38% 70.00% 69.64% 69.29% 68.95% 68.62% 68.31% 68.00% 34 72.04% 71.60% 71.18% 70.77% 70.38% 70.00% 69.64% 69.29% 68.95% 68.62% 68.31% 68.00%
35 72.86% 72.40% 71.96% 71.54% 71.13% 70.74% 70.36% 70.00% 69.65% 69.31% 68.98% 68.67% 35 72.86% 72.40% 71.96% 71.54% 71.13% 70.74% 70.36% 70.00% 69.65% 69.31% 68.98% 68.67%
36 73.67% 73.20% 72.75% 72.31% 71.89% 71.48% 71.09% 70.71% 70.35% 70.00% 69.66% 69.33% 36 73.67% 73.20% 72.75% 72.31% 71.89% 71.48% 71.09% 70.71% 70.35% 70.00% 69.66% 69.33%
37 74.49% 74.00% 73.53% 73.08% 72.64% 72.22% 71.82% 71.43% 71.05% 70.69% 70.34% 70.00% 37 74.49% 74.00% 73.53% 73.08% 72.64% 72.22% 71.82% 71.43% 71.05% 70.69% 70.34% 70.00%
38 75.31% 74.80% 74.31% 73.85% 73.40% 72.96% 72.55% 72.14% 71.75% 71.38% 71.02% 70.67% 38 75.31% 74.80% 74.31% 73.85% 73.40% 72.96% 72.55% 72.14% 71.75% 71.38% 71.02% 70.67%
39 76.12% 75.60% 75.10% 74.62% 74.15% 73.70% 73.27% 72.86% 72.46% 72.07% 71.69% 71.33% 39 76.12% 75.60% 75.10% 74.62% 74.15% 73.70% 73.27% 72.86% 72.46% 72.07% 71.69% 71.33%
40 76.94% 76.40% 75.88% 75.38% 74.91% 74.44% 74.00% 73.57% 73.16% 72.76% 72.37% 72.00% 40 76.94% 76.40% 75.88% 75.38% 74.91% 74.44% 74.00% 73.57% 73.16% 72.76% 72.37% 72.00%
41 77.76% 77.20% 76.67% 76.15% 75.66% 75.19% 74.73% 74.29% 73.86% 73.45% 73.05% 72.67% 41 77.76% 77.20% 76.67% 76.15% 75.66% 75.19% 74.73% 74.29% 73.86% 73.45% 73.05% 72.67%
42 78.57% 78.00% 77.45% 76.92% 76.42% 75.93% 75.45% 75.00% 74.56% 74.14% 73.73% 73.33% 42 78.57% 78.00% 77.45% 76.92% 76.42% 75.93% 75.45% 75.00% 74.56% 74.14% 73.73% 73.33%
43 79.39% 78.80% 78.24% 77.69% 77.17% 76.67% 76.18% 75.71% 75.26% 74.83% 74.41% 74.00% 43 79.39% 78.80% 78.24% 77.69% 77.17% 76.67% 76.18% 75.71% 75.26% 74.83% 74.41% 74.00%
44 80.20% 79.60% 79.02% 78.46% 77.92% 77.41% 76.91% 76.43% 75.96% 75.52% 75.08% 74.67% 44 80.20% 79.60% 79.02% 78.46% 77.92% 77.41% 76.91% 76.43% 75.96% 75.52% 75.08% 74.67%
45 81.02% 80.40% 79.80% 79.23% 78.68% 78.15% 77.64% 77.14% 76.67% 76.21% 75.76% 75.33% 45 81.02% 80.40% 79.80% 79.23% 78.68% 78.15% 77.64% 77.14% 76.67% 76.21% 75.76% 75.33%
46 81.84% 81.20% 80.59% 80.00% 79.43% 78.89% 78.36% 77.86% 77.37% 76.90% 76.44% 76.00% 46 81.84% 81.20% 80.59% 80.00% 79.43% 78.89% 78.36% 77.86% 77.37% 76.90% 76.44% 76.00%
47 82.65% 82.00% 81.37% 80.77% 80.19% 79.63% 79.09% 78.57% 78.07% 77.59% 77.12% 76.67% 47 82.65% 82.00% 81.37% 80.77% 80.19% 79.63% 79.09% 78.57% 78.07% 77.59% 77.12% 76.67%
Policy Year ←

48 83.47% 82.80% 82.16% 81.54% 80.94% 80.37% 79.82% 79.29% 78.77% 78.28% 77.80% 77.33% 48 83.47% 82.80% 82.16% 81.54% 80.94% 80.37% 79.82% 79.29% 78.77% 78.28% 77.80% 77.33%
49 84.29% 83.60% 82.94% 82.31% 81.70% 81.11% 80.55% 80.00% 79.47% 78.97% 78.47% 78.00%
nm°{bgr df©

49 84.29% 83.60% 82.94% 82.31% 81.70% 81.11% 80.55% 80.00% 79.47% 78.97% 78.47% 78.00%
50 85.10% 84.40% 83.73% 83.08% 82.45% 81.85% 81.27% 80.71% 80.18% 79.66% 79.15% 78.67% 50 85.10% 84.40% 83.73% 83.08% 82.45% 81.85% 81.27% 80.71% 80.18% 79.66% 79.15% 78.67%
51 85.92% 85.20% 84.51% 83.85% 83.21% 82.59% 82.00% 81.43% 80.88% 80.34% 79.83% 79.33% 51 85.92% 85.20% 84.51% 83.85% 83.21% 82.59% 82.00% 81.43% 80.88% 80.34% 79.83% 79.33%
52 86.73% 86.00% 85.29% 84.62% 83.96% 83.33% 82.73% 82.14% 81.58% 81.03% 80.51% 80.00% 52 86.73% 86.00% 85.29% 84.62% 83.96% 83.33% 82.73% 82.14% 81.58% 81.03% 80.51% 80.00%
53 87.55% 86.80% 86.08% 85.38% 84.72% 84.07% 83.45% 82.86% 82.28% 81.72% 81.19% 80.67% 53 87.55% 86.80% 86.08% 85.38% 84.72% 84.07% 83.45% 82.86% 82.28% 81.72% 81.19% 80.67%
54 88.37% 87.60% 86.86% 86.15% 85.47% 84.81% 84.18% 83.57% 82.98% 82.41% 81.86% 81.33% 54 88.37% 87.60% 86.86% 86.15% 85.47% 84.81% 84.18% 83.57% 82.98% 82.41% 81.86% 81.33%
55 89.18% 88.40% 87.65% 86.92% 86.23% 85.56% 84.91% 84.29% 83.68% 83.10% 82.54% 82.00% 55 89.18% 88.40% 87.65% 86.92% 86.23% 85.56% 84.91% 84.29% 83.68% 83.10% 82.54% 82.00%
56 90.00% 89.20% 88.43% 87.69% 86.98% 86.30% 85.64% 85.00% 84.39% 83.79% 83.22% 82.67% 56 90.00% 89.20% 88.43% 87.69% 86.98% 86.30% 85.64% 85.00% 84.39% 83.79% 83.22% 82.67%
57 90.00% 90.00% 89.22% 88.46% 87.74% 87.04% 86.36% 85.71% 85.09% 84.48% 83.90% 83.33% 57 90.00% 90.00% 89.22% 88.46% 87.74% 87.04% 86.36% 85.71% 85.09% 84.48% 83.90% 83.33%
58 90.00% 90.00% 89.23% 88.49% 87.78% 87.09% 86.43% 85.79% 85.17% 84.58% 84.00% 58 90.00% 90.00% 89.23% 88.49% 87.78% 87.09% 86.43% 85.79% 85.17% 84.58% 84.00%
59 90.00% 90.00% 89.25% 88.52% 87.82% 87.14% 86.49% 85.86% 85.25% 84.67% 59 90.00% 90.00% 89.25% 88.52% 87.82% 87.14% 86.49% 85.86% 85.25% 84.67%
60 90.00% 90.00% 89.26% 88.55% 87.86% 87.19% 86.55% 85.93% 85.33% 60 90.00% 90.00% 89.26% 88.55% 87.86% 87.19% 86.55% 85.93% 85.33%
61 90.00% 90.00% 89.27% 88.57% 87.89% 87.24% 86.61% 86.00% 61 90.00% 90.00% 89.27% 88.57% 87.89% 87.24% 86.61% 86.00%
62 90.00% 90.00% 89.29% 88.60% 87.93% 87.29% 86.67% 62 90.00% 90.00% 89.29% 88.60% 87.93% 87.29% 86.67%
63 90.00% 90.00% 89.30% 88.62% 87.97% 87.33% 63 90.00% 90.00% 89.30% 88.62% 87.97% 87.33%
64 90.00% 90.00% 89.31% 88.64% 88.00% 64 90.00% 90.00% 89.31% 88.64% 88.00%
65 90.00% 90.00% 89.32% 88.67% 65 90.00% 90.00% 89.32% 88.67%
66 90.00% 90.00% 89.33% 66 90.00% 90.00% 89.33%
67 90.00% 90.00% 67 90.00% 90.00%
68 90.00% 68 90.00%
69 69
70 70
71 71
72 72
73 73
74 74
75 75
76 76
77 77
78 78
79 79
80 80
81 81
82 82
83 83
84 84
85 85
86 86
87 87
88 88
89 89
90 90
91 91
92 92
93 93
94 94
95 95
96 96
97 97
98 98
99 99
100 100
n[a[eï> - 4 (H«$_e:) Annexure - 4 (contd...)

nm°{bgr Ad{Y → Policy Term →


69 70 71 72 73 74 75 76 77 78 79 80 69 70 71 72 73 74 75 76 77 78 79 80
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
8 50.66% 50.65% 50.63% 50.63% 50.62% 50.61% 50.60% 50.59% 50.58% 50.57% 50.56% 50.56% 8 50.66% 50.65% 50.63% 50.63% 50.62% 50.61% 50.60% 50.59% 50.58% 50.57% 50.56% 50.56%
9 51.31% 51.29% 51.27% 51.25% 51.23% 51.21% 51.19% 51.18% 51.16% 51.14% 51.13% 51.11% 9 51.31% 51.29% 51.27% 51.25% 51.23% 51.21% 51.19% 51.18% 51.16% 51.14% 51.13% 51.11%
10 51.97% 51.94% 51.90% 51.88% 51.85% 51.82% 51.79% 51.76% 51.74% 51.71% 51.69% 51.67% 10 51.97% 51.94% 51.90% 51.88% 51.85% 51.82% 51.79% 51.76% 51.74% 51.71% 51.69% 51.67%
11 52.62% 52.58% 52.54% 52.50% 52.46% 52.42% 52.39% 52.35% 52.32% 52.29% 52.25% 52.22% 11 52.62% 52.58% 52.54% 52.50% 52.46% 52.42% 52.39% 52.35% 52.32% 52.29% 52.25% 52.22%
12 53.28% 53.23% 53.17% 53.13% 53.08% 53.03% 52.99% 52.94% 52.90% 52.86% 52.82% 52.78% 12 53.28% 53.23% 53.17% 53.13% 53.08% 53.03% 52.99% 52.94% 52.90% 52.86% 52.82% 52.78%
13 53.93% 53.87% 53.81% 53.75% 53.69% 53.64% 53.58% 53.53% 53.48% 53.43% 53.38% 53.33% 13 53.93% 53.87% 53.81% 53.75% 53.69% 53.64% 53.58% 53.53% 53.48% 53.43% 53.38% 53.33%
14 54.59% 54.52% 54.44% 54.38% 54.31% 54.24% 54.18% 54.12% 54.06% 54.00% 53.94% 53.89% 14 54.59% 54.52% 54.44% 54.38% 54.31% 54.24% 54.18% 54.12% 54.06% 54.00% 53.94% 53.89%
15 55.25% 55.16% 55.08% 55.00% 54.92% 54.85% 54.78% 54.71% 54.64% 54.57% 54.51% 54.44% 15 55.25% 55.16% 55.08% 55.00% 54.92% 54.85% 54.78% 54.71% 54.64% 54.57% 54.51% 54.44%
16 55.90% 55.81% 55.71% 55.63% 55.54% 55.45% 55.37% 55.29% 55.22% 55.14% 55.07% 55.00% 16 55.90% 55.81% 55.71% 55.63% 55.54% 55.45% 55.37% 55.29% 55.22% 55.14% 55.07% 55.00%
17 56.56% 56.45% 56.35% 56.25% 56.15% 56.06% 55.97% 55.88% 55.80% 55.71% 55.63% 55.56% 17 56.56% 56.45% 56.35% 56.25% 56.15% 56.06% 55.97% 55.88% 55.80% 55.71% 55.63% 55.56%
18 57.21% 57.10% 56.98% 56.88% 56.77% 56.67% 56.57% 56.47% 56.38% 56.29% 56.20% 56.11% 18 57.21% 57.10% 56.98% 56.88% 56.77% 56.67% 56.57% 56.47% 56.38% 56.29% 56.20% 56.11%
19 57.87% 57.74% 57.62% 57.50% 57.38% 57.27% 57.16% 57.06% 56.96% 56.86% 56.76% 56.67% 19 57.87% 57.74% 57.62% 57.50% 57.38% 57.27% 57.16% 57.06% 56.96% 56.86% 56.76% 56.67%
20 58.52% 58.39% 58.25% 58.13% 58.00% 57.88% 57.76% 57.65% 57.54% 57.43% 57.32% 57.22% 20 58.52% 58.39% 58.25% 58.13% 58.00% 57.88% 57.76% 57.65% 57.54% 57.43% 57.32% 57.22%
21 59.18% 59.03% 58.89% 58.75% 58.62% 58.48% 58.36% 58.24% 58.12% 58.00% 57.89% 57.78% 21 59.18% 59.03% 58.89% 58.75% 58.62% 58.48% 58.36% 58.24% 58.12% 58.00% 57.89% 57.78%
22 59.84% 59.68% 59.52% 59.38% 59.23% 59.09% 58.96% 58.82% 58.70% 58.57% 58.45% 58.33% 22 59.84% 59.68% 59.52% 59.38% 59.23% 59.09% 58.96% 58.82% 58.70% 58.57% 58.45% 58.33%
23 60.49% 60.32% 60.16% 60.00% 59.85% 59.70% 59.55% 59.41% 59.28% 59.14% 59.01% 58.89% 23 60.49% 60.32% 60.16% 60.00% 59.85% 59.70% 59.55% 59.41% 59.28% 59.14% 59.01% 58.89%
24 61.15% 60.97% 60.79% 60.63% 60.46% 60.30% 60.15% 60.00% 59.86% 59.71% 59.58% 59.44% 24 61.15% 60.97% 60.79% 60.63% 60.46% 60.30% 60.15% 60.00% 59.86% 59.71% 59.58% 59.44%
25 61.80% 61.61% 61.43% 61.25% 61.08% 60.91% 60.75% 60.59% 60.43% 60.29% 60.14% 60.00% 25 61.80% 61.61% 61.43% 61.25% 61.08% 60.91% 60.75% 60.59% 60.43% 60.29% 60.14% 60.00%
26 62.46% 62.26% 62.06% 61.88% 61.69% 61.52% 61.34% 61.18% 61.01% 60.86% 60.70% 60.56% 26 62.46% 62.26% 62.06% 61.88% 61.69% 61.52% 61.34% 61.18% 61.01% 60.86% 60.70% 60.56%
27 63.11% 62.90% 62.70% 62.50% 62.31% 62.12% 61.94% 61.76% 61.59% 61.43% 61.27% 61.11% 27 63.11% 62.90% 62.70% 62.50% 62.31% 62.12% 61.94% 61.76% 61.59% 61.43% 61.27% 61.11%
28 63.77% 63.55% 63.33% 63.13% 62.92% 62.73% 62.54% 62.35% 62.17% 62.00% 61.83% 61.67% 28 63.77% 63.55% 63.33% 63.13% 62.92% 62.73% 62.54% 62.35% 62.17% 62.00% 61.83% 61.67%
29 64.43% 64.19% 63.97% 63.75% 63.54% 63.33% 63.13% 62.94% 62.75% 62.57% 62.39% 62.22% 29 64.43% 64.19% 63.97% 63.75% 63.54% 63.33% 63.13% 62.94% 62.75% 62.57% 62.39% 62.22%
30 65.08% 64.84% 64.60% 64.37% 64.15% 63.94% 63.73% 63.53% 63.33% 63.14% 62.96% 62.78% 30 65.08% 64.84% 64.60% 64.37% 64.15% 63.94% 63.73% 63.53% 63.33% 63.14% 62.96% 62.78%
31 65.74% 65.48% 65.24% 65.00% 64.77% 64.55% 64.33% 64.12% 63.91% 63.71% 63.52% 63.33% 31 65.74% 65.48% 65.24% 65.00% 64.77% 64.55% 64.33% 64.12% 63.91% 63.71% 63.52% 63.33%
32 66.39% 66.13% 65.87% 65.62% 65.38% 65.15% 64.93% 64.71% 64.49% 64.29% 64.08% 63.89% 32 66.39% 66.13% 65.87% 65.62% 65.38% 65.15% 64.93% 64.71% 64.49% 64.29% 64.08% 63.89%
33 67.05% 66.77% 66.51% 66.25% 66.00% 65.76% 65.52% 65.29% 65.07% 64.86% 64.65% 64.44% 33 67.05% 66.77% 66.51% 66.25% 66.00% 65.76% 65.52% 65.29% 65.07% 64.86% 64.65% 64.44%
34 67.70% 67.42% 67.14% 66.87% 66.62% 66.36% 66.12% 65.88% 65.65% 65.43% 65.21% 65.00% 34 67.70% 67.42% 67.14% 66.87% 66.62% 66.36% 66.12% 65.88% 65.65% 65.43% 65.21% 65.00%
35 68.36% 68.06% 67.78% 67.50% 67.23% 66.97% 66.72% 66.47% 66.23% 66.00% 65.77% 65.56% 35 68.36% 68.06% 67.78% 67.50% 67.23% 66.97% 66.72% 66.47% 66.23% 66.00% 65.77% 65.56%
36 69.02% 68.71% 68.41% 68.12% 67.85% 67.58% 67.31% 67.06% 66.81% 66.57% 66.34% 66.11% 36 69.02% 68.71% 68.41% 68.12% 67.85% 67.58% 67.31% 67.06% 66.81% 66.57% 66.34% 66.11%
37 69.67% 69.35% 69.05% 68.75% 68.46% 68.18% 67.91% 67.65% 67.39% 67.14% 66.90% 66.67% 37 69.67% 69.35% 69.05% 68.75% 68.46% 68.18% 67.91% 67.65% 67.39% 67.14% 66.90% 66.67%
38 70.33% 70.00% 69.68% 69.37% 69.08% 68.79% 68.51% 68.24% 67.97% 67.71% 67.46% 67.22% 38 70.33% 70.00% 69.68% 69.37% 69.08% 68.79% 68.51% 68.24% 67.97% 67.71% 67.46% 67.22%
39 70.98% 70.65% 70.32% 70.00% 69.69% 69.39% 69.10% 68.82% 68.55% 68.29% 68.03% 67.78% 39 70.98% 70.65% 70.32% 70.00% 69.69% 69.39% 69.10% 68.82% 68.55% 68.29% 68.03% 67.78%
40 71.64% 71.29% 70.95% 70.62% 70.31% 70.00% 69.70% 69.41% 69.13% 68.86% 68.59% 68.33% 40 71.64% 71.29% 70.95% 70.62% 70.31% 70.00% 69.70% 69.41% 69.13% 68.86% 68.59% 68.33%
41 72.30% 71.94% 71.59% 71.25% 70.92% 70.61% 70.30% 70.00% 69.71% 69.43% 69.15% 68.89% 41 72.30% 71.94% 71.59% 71.25% 70.92% 70.61% 70.30% 70.00% 69.71% 69.43% 69.15% 68.89%
42 72.95% 72.58% 72.22% 71.87% 71.54% 71.21% 70.90% 70.59% 70.29% 70.00% 69.72% 69.44% 42 72.95% 72.58% 72.22% 71.87% 71.54% 71.21% 70.90% 70.59% 70.29% 70.00% 69.72% 69.44%
43 73.61% 73.23% 72.86% 72.50% 72.15% 71.82% 71.49% 71.18% 70.87% 70.57% 70.28% 70.00% 43 73.61% 73.23% 72.86% 72.50% 72.15% 71.82% 71.49% 71.18% 70.87% 70.57% 70.28% 70.00%
44 74.26% 73.87% 73.49% 73.12% 72.77% 72.42% 72.09% 71.76% 71.45% 71.14% 70.85% 70.56% 44 74.26% 73.87% 73.49% 73.12% 72.77% 72.42% 72.09% 71.76% 71.45% 71.14% 70.85% 70.56%
45 74.92% 74.52% 74.13% 73.75% 73.38% 73.03% 72.69% 72.35% 72.03% 71.71% 71.41% 71.11% 45 74.92% 74.52% 74.13% 73.75% 73.38% 73.03% 72.69% 72.35% 72.03% 71.71% 71.41% 71.11%
46 75.57% 75.16% 74.76% 74.37% 74.00% 73.64% 73.28% 72.94% 72.61% 72.29% 71.97% 71.67% 46 75.57% 75.16% 74.76% 74.37% 74.00% 73.64% 73.28% 72.94% 72.61% 72.29% 71.97% 71.67%
47 76.23% 75.81% 75.40% 75.00% 74.62% 74.24% 73.88% 73.53% 73.19% 72.86% 72.54% 72.22% 47 76.23% 75.81% 75.40% 75.00% 74.62% 74.24% 73.88% 73.53% 73.19% 72.86% 72.54% 72.22%
Policy Year ←

48 76.89% 76.45% 76.03% 75.62% 75.23% 74.85% 74.48% 74.12% 73.77% 73.43% 73.10% 72.78% 48 76.89% 76.45% 76.03% 75.62% 75.23% 74.85% 74.48% 74.12% 73.77% 73.43% 73.10% 72.78%
49 77.54% 77.10% 76.67% 76.25% 75.85% 75.45% 75.07% 74.71% 74.35% 74.00% 73.66% 73.33%
nm°{bgr df©

49 77.54% 77.10% 76.67% 76.25% 75.85% 75.45% 75.07% 74.71% 74.35% 74.00% 73.66% 73.33%
50 78.20% 77.74% 77.30% 76.87% 76.46% 76.06% 75.67% 75.29% 74.93% 74.57% 74.23% 73.89% 50 78.20% 77.74% 77.30% 76.87% 76.46% 76.06% 75.67% 75.29% 74.93% 74.57% 74.23% 73.89%
51 78.85% 78.39% 77.94% 77.50% 77.08% 76.67% 76.27% 75.88% 75.51% 75.14% 74.79% 74.44% 51 78.85% 78.39% 77.94% 77.50% 77.08% 76.67% 76.27% 75.88% 75.51% 75.14% 74.79% 74.44%
52 79.51% 79.03% 78.57% 78.12% 77.69% 77.27% 76.87% 76.47% 76.09% 75.71% 75.35% 75.00% 52 79.51% 79.03% 78.57% 78.12% 77.69% 77.27% 76.87% 76.47% 76.09% 75.71% 75.35% 75.00%
53 80.16% 79.68% 79.21% 78.75% 78.31% 77.88% 77.46% 77.06% 76.67% 76.29% 75.92% 75.56% 53 80.16% 79.68% 79.21% 78.75% 78.31% 77.88% 77.46% 77.06% 76.67% 76.29% 75.92% 75.56%
54 80.82% 80.32% 79.84% 79.37% 78.92% 78.48% 78.06% 77.65% 77.25% 76.86% 76.48% 76.11% 54 80.82% 80.32% 79.84% 79.37% 78.92% 78.48% 78.06% 77.65% 77.25% 76.86% 76.48% 76.11%
55 81.48% 80.97% 80.48% 80.00% 79.54% 79.09% 78.66% 78.24% 77.83% 77.43% 77.04% 76.67% 55 81.48% 80.97% 80.48% 80.00% 79.54% 79.09% 78.66% 78.24% 77.83% 77.43% 77.04% 76.67%
56 82.13% 81.61% 81.11% 80.62% 80.15% 79.70% 79.25% 78.82% 78.41% 78.00% 77.61% 77.22% 56 82.13% 81.61% 81.11% 80.62% 80.15% 79.70% 79.25% 78.82% 78.41% 78.00% 77.61% 77.22%
57 82.79% 82.26% 81.75% 81.25% 80.77% 80.30% 79.85% 79.41% 78.99% 78.57% 78.17% 77.78% 57 82.79% 82.26% 81.75% 81.25% 80.77% 80.30% 79.85% 79.41% 78.99% 78.57% 78.17% 77.78%
58 83.44% 82.90% 82.38% 81.87% 81.38% 80.91% 80.45% 80.00% 79.57% 79.14% 78.73% 78.33% 58 83.44% 82.90% 82.38% 81.87% 81.38% 80.91% 80.45% 80.00% 79.57% 79.14% 78.73% 78.33%
59 84.10% 83.55% 83.02% 82.50% 82.00% 81.52% 81.04% 80.59% 80.14% 79.71% 79.30% 78.89% 59 84.10% 83.55% 83.02% 82.50% 82.00% 81.52% 81.04% 80.59% 80.14% 79.71% 79.30% 78.89%
60 84.75% 84.19% 83.65% 83.12% 82.62% 82.12% 81.64% 81.18% 80.72% 80.29% 79.86% 79.44% 60 84.75% 84.19% 83.65% 83.12% 82.62% 82.12% 81.64% 81.18% 80.72% 80.29% 79.86% 79.44%
61 85.41% 84.84% 84.29% 83.75% 83.23% 82.73% 82.24% 81.76% 81.30% 80.86% 80.42% 80.00% 61 85.41% 84.84% 84.29% 83.75% 83.23% 82.73% 82.24% 81.76% 81.30% 80.86% 80.42% 80.00%
62 86.07% 85.48% 84.92% 84.37% 83.85% 83.33% 82.84% 82.35% 81.88% 81.43% 80.99% 80.56% 62 86.07% 85.48% 84.92% 84.37% 83.85% 83.33% 82.84% 82.35% 81.88% 81.43% 80.99% 80.56%
63 86.72% 86.13% 85.56% 85.00% 84.46% 83.94% 83.43% 82.94% 82.46% 82.00% 81.55% 81.11% 63 86.72% 86.13% 85.56% 85.00% 84.46% 83.94% 83.43% 82.94% 82.46% 82.00% 81.55% 81.11%
64 87.38% 86.77% 86.19% 85.62% 85.08% 84.55% 84.03% 83.53% 83.04% 82.57% 82.11% 81.67% 64 87.38% 86.77% 86.19% 85.62% 85.08% 84.55% 84.03% 83.53% 83.04% 82.57% 82.11% 81.67%
65 88.03% 87.42% 86.83% 86.25% 85.69% 85.15% 84.63% 84.12% 83.62% 83.14% 82.68% 82.22% 65 88.03% 87.42% 86.83% 86.25% 85.69% 85.15% 84.63% 84.12% 83.62% 83.14% 82.68% 82.22%
66 88.69% 88.06% 87.46% 86.87% 86.31% 85.76% 85.22% 84.71% 84.20% 83.71% 83.24% 82.78% 66 88.69% 88.06% 87.46% 86.87% 86.31% 85.76% 85.22% 84.71% 84.20% 83.71% 83.24% 82.78%
67 89.34% 88.71% 88.10% 87.50% 86.92% 86.36% 85.82% 85.29% 84.78% 84.29% 83.80% 83.33% 67 89.34% 88.71% 88.10% 87.50% 86.92% 86.36% 85.82% 85.29% 84.78% 84.29% 83.80% 83.33%
68 90.00% 89.35% 88.73% 88.12% 87.54% 86.97% 86.42% 85.88% 85.36% 84.86% 84.37% 83.89% 68 90.00% 89.35% 88.73% 88.12% 87.54% 86.97% 86.42% 85.88% 85.36% 84.86% 84.37% 83.89%
69 90.00% 90.00% 89.37% 88.75% 88.15% 87.58% 87.01% 86.47% 85.94% 85.43% 84.93% 84.44% 69 90.00% 90.00% 89.37% 88.75% 88.15% 87.58% 87.01% 86.47% 85.94% 85.43% 84.93% 84.44%
70 90.00% 90.00% 89.37% 88.77% 88.18% 87.61% 87.06% 86.52% 86.00% 85.49% 85.00% 70 90.00% 90.00% 89.37% 88.77% 88.18% 87.61% 87.06% 86.52% 86.00% 85.49% 85.00%
71 90.00% 90.00% 89.38% 88.79% 88.21% 87.65% 87.10% 86.57% 86.06% 85.56% 71 90.00% 90.00% 89.38% 88.79% 88.21% 87.65% 87.10% 86.57% 86.06% 85.56%
72 90.00% 90.00% 89.39% 88.81% 88.24% 87.68% 87.14% 86.62% 86.11% 72 90.00% 90.00% 89.39% 88.81% 88.24% 87.68% 87.14% 86.62% 86.11%
73 90.00% 90.00% 89.40% 88.82% 88.26% 87.71% 87.18% 86.67% 73 90.00% 90.00% 89.40% 88.82% 88.26% 87.71% 87.18% 86.67%
74 90.00% 90.00% 89.41% 88.84% 88.29% 87.75% 87.22% 74 90.00% 90.00% 89.41% 88.84% 88.29% 87.75% 87.22%
75 90.00% 90.00% 89.42% 88.86% 88.31% 87.78% 75 90.00% 90.00% 89.42% 88.86% 88.31% 87.78%
76 90.00% 90.00% 89.43% 88.87% 88.33% 76 90.00% 90.00% 89.43% 88.87% 88.33%
77 90.00% 90.00% 89.44% 88.89% 77 90.00% 90.00% 89.44% 88.89%
78 90.00% 90.00% 89.44% 78 90.00% 90.00% 89.44%
79 90.00% 90.00% 79 90.00% 90.00%
80 90.00% 80 90.00%
81 81
82 82
83 83
84 84
85 85
86 86
87 87
88 88
89 89
90 90
91 91
92 92
93 93
94 94
95 95
96 96
97 97
98 98
99 99
100 100
n[a[eï> - 4 (H«$_e:) Annexure - 4 (contd...)

nm°{bgr Ad{Y → Policy Term →


81 82 83 84 85 86 87 88 89 90 81 82 83 84 85 86 87 88 89 90
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
8 50.55% 50.54% 50.53% 50.53% 50.52% 50.51% 50.51% 50.50% 50.49% 50.49% 8 50.55% 50.54% 50.53% 50.53% 50.52% 50.51% 50.51% 50.50% 50.49% 50.49%
9 51.10% 51.08% 51.07% 51.05% 51.04% 51.03% 51.01% 51.00% 50.99% 50.98% 9 51.10% 51.08% 51.07% 51.05% 51.04% 51.03% 51.01% 51.00% 50.99% 50.98%
10 51.64% 51.62% 51.60% 51.58% 51.56% 51.54% 51.52% 51.50% 51.48% 51.46% 10 51.64% 51.62% 51.60% 51.58% 51.56% 51.54% 51.52% 51.50% 51.48% 51.46%
11 52.19% 52.16% 52.13% 52.11% 52.08% 52.05% 52.03% 52.00% 51.98% 51.95% 11 52.19% 52.16% 52.13% 52.11% 52.08% 52.05% 52.03% 52.00% 51.98% 51.95%
12 52.74% 52.70% 52.67% 52.63% 52.60% 52.56% 52.53% 52.50% 52.47% 52.44% 12 52.74% 52.70% 52.67% 52.63% 52.60% 52.56% 52.53% 52.50% 52.47% 52.44%
13 53.29% 53.24% 53.20% 53.16% 53.12% 53.08% 53.04% 53.00% 52.96% 52.93% 13 53.29% 53.24% 53.20% 53.16% 53.12% 53.08% 53.04% 53.00% 52.96% 52.93%
14 53.84% 53.78% 53.73% 53.68% 53.64% 53.59% 53.54% 53.50% 53.46% 53.41% 14 53.84% 53.78% 53.73% 53.68% 53.64% 53.59% 53.54% 53.50% 53.46% 53.41%
15 54.38% 54.32% 54.27% 54.21% 54.16% 54.10% 54.05% 54.00% 53.95% 53.90% 15 54.38% 54.32% 54.27% 54.21% 54.16% 54.10% 54.05% 54.00% 53.95% 53.90%
16 54.93% 54.86% 54.80% 54.74% 54.68% 54.62% 54.56% 54.50% 54.44% 54.39% 16 54.93% 54.86% 54.80% 54.74% 54.68% 54.62% 54.56% 54.50% 54.44% 54.39%
17 55.48% 55.41% 55.33% 55.26% 55.19% 55.13% 55.06% 55.00% 54.94% 54.88% 17 55.48% 55.41% 55.33% 55.26% 55.19% 55.13% 55.06% 55.00% 54.94% 54.88%
18 56.03% 55.95% 55.87% 55.79% 55.71% 55.64% 55.57% 55.50% 55.43% 55.37% 18 56.03% 55.95% 55.87% 55.79% 55.71% 55.64% 55.57% 55.50% 55.43% 55.37%
19 56.58% 56.49% 56.40% 56.32% 56.23% 56.15% 56.08% 56.00% 55.93% 55.85% 19 56.58% 56.49% 56.40% 56.32% 56.23% 56.15% 56.08% 56.00% 55.93% 55.85%
20 57.12% 57.03% 56.93% 56.84% 56.75% 56.67% 56.58% 56.50% 56.42% 56.34% 20 57.12% 57.03% 56.93% 56.84% 56.75% 56.67% 56.58% 56.50% 56.42% 56.34%
21 57.67% 57.57% 57.47% 57.37% 57.27% 57.18% 57.09% 57.00% 56.91% 56.83% 21 57.67% 57.57% 57.47% 57.37% 57.27% 57.18% 57.09% 57.00% 56.91% 56.83%
22 58.22% 58.11% 58.00% 57.89% 57.79% 57.69% 57.59% 57.50% 57.41% 57.32% 22 58.22% 58.11% 58.00% 57.89% 57.79% 57.69% 57.59% 57.50% 57.41% 57.32%
23 58.77% 58.65% 58.53% 58.42% 58.31% 58.21% 58.10% 58.00% 57.90% 57.80% 23 58.77% 58.65% 58.53% 58.42% 58.31% 58.21% 58.10% 58.00% 57.90% 57.80%
24 59.32% 59.19% 59.07% 58.95% 58.83% 58.72% 58.61% 58.50% 58.40% 58.29% 24 59.32% 59.19% 59.07% 58.95% 58.83% 58.72% 58.61% 58.50% 58.40% 58.29%
25 59.86% 59.73% 59.60% 59.47% 59.35% 59.23% 59.11% 59.00% 58.89% 58.78% 25 59.86% 59.73% 59.60% 59.47% 59.35% 59.23% 59.11% 59.00% 58.89% 58.78%
26 60.41% 60.27% 60.13% 60.00% 59.87% 59.74% 59.62% 59.50% 59.38% 59.27% 26 60.41% 60.27% 60.13% 60.00% 59.87% 59.74% 59.62% 59.50% 59.38% 59.27%
27 60.96% 60.81% 60.67% 60.53% 60.39% 60.26% 60.13% 60.00% 59.88% 59.76% 27 60.96% 60.81% 60.67% 60.53% 60.39% 60.26% 60.13% 60.00% 59.88% 59.76%
28 61.51% 61.35% 61.20% 61.05% 60.91% 60.77% 60.63% 60.50% 60.37% 60.24% 28 61.51% 61.35% 61.20% 61.05% 60.91% 60.77% 60.63% 60.50% 60.37% 60.24%
29 62.05% 61.89% 61.73% 61.58% 61.43% 61.28% 61.14% 61.00% 60.86% 60.73% 29 62.05% 61.89% 61.73% 61.58% 61.43% 61.28% 61.14% 61.00% 60.86% 60.73%
30 62.60% 62.43% 62.27% 62.11% 61.95% 61.79% 61.65% 61.50% 61.36% 61.22% 30 62.60% 62.43% 62.27% 62.11% 61.95% 61.79% 61.65% 61.50% 61.36% 61.22%
31 63.15% 62.97% 62.80% 62.63% 62.47% 62.31% 62.15% 62.00% 61.85% 61.71% 31 63.15% 62.97% 62.80% 62.63% 62.47% 62.31% 62.15% 62.00% 61.85% 61.71%
32 63.70% 63.51% 63.33% 63.16% 62.99% 62.82% 62.66% 62.50% 62.35% 62.20% 32 63.70% 63.51% 63.33% 63.16% 62.99% 62.82% 62.66% 62.50% 62.35% 62.20%
33 64.25% 64.05% 63.87% 63.68% 63.51% 63.33% 63.16% 63.00% 62.84% 62.68% 33 64.25% 64.05% 63.87% 63.68% 63.51% 63.33% 63.16% 63.00% 62.84% 62.68%
34 64.79% 64.59% 64.40% 64.21% 64.03% 63.85% 63.67% 63.50% 63.33% 63.17% 34 64.79% 64.59% 64.40% 64.21% 64.03% 63.85% 63.67% 63.50% 63.33% 63.17%
35 65.34% 65.14% 64.93% 64.74% 64.55% 64.36% 64.18% 64.00% 63.83% 63.66% 35 65.34% 65.14% 64.93% 64.74% 64.55% 64.36% 64.18% 64.00% 63.83% 63.66%
36 65.89% 65.68% 65.47% 65.26% 65.06% 64.87% 64.68% 64.50% 64.32% 64.15% 36 65.89% 65.68% 65.47% 65.26% 65.06% 64.87% 64.68% 64.50% 64.32% 64.15%
37 66.44% 66.22% 66.00% 65.79% 65.58% 65.38% 65.19% 65.00% 64.81% 64.63% 37 66.44% 66.22% 66.00% 65.79% 65.58% 65.38% 65.19% 65.00% 64.81% 64.63%
38 66.99% 66.76% 66.53% 66.32% 66.10% 65.90% 65.70% 65.50% 65.31% 65.12% 38 66.99% 66.76% 66.53% 66.32% 66.10% 65.90% 65.70% 65.50% 65.31% 65.12%
39 67.53% 67.30% 67.07% 66.84% 66.62% 66.41% 66.20% 66.00% 65.80% 65.61% 39 67.53% 67.30% 67.07% 66.84% 66.62% 66.41% 66.20% 66.00% 65.80% 65.61%
40 68.08% 67.84% 67.60% 67.37% 67.14% 66.92% 66.71% 66.50% 66.30% 66.10% 40 68.08% 67.84% 67.60% 67.37% 67.14% 66.92% 66.71% 66.50% 66.30% 66.10%
41 68.63% 68.38% 68.13% 67.89% 67.66% 67.44% 67.22% 67.00% 66.79% 66.59% 41 68.63% 68.38% 68.13% 67.89% 67.66% 67.44% 67.22% 67.00% 66.79% 66.59%
42 69.18% 68.92% 68.67% 68.42% 68.18% 67.95% 67.72% 67.50% 67.28% 67.07% 42 69.18% 68.92% 68.67% 68.42% 68.18% 67.95% 67.72% 67.50% 67.28% 67.07%
43 69.73% 69.46% 69.20% 68.95% 68.70% 68.46% 68.23% 68.00% 67.78% 67.56% 43 69.73% 69.46% 69.20% 68.95% 68.70% 68.46% 68.23% 68.00% 67.78% 67.56%
44 70.27% 70.00% 69.73% 69.47% 69.22% 68.97% 68.73% 68.50% 68.27% 68.05% 44 70.27% 70.00% 69.73% 69.47% 69.22% 68.97% 68.73% 68.50% 68.27% 68.05%
45 70.82% 70.54% 70.27% 70.00% 69.74% 69.49% 69.24% 69.00% 68.77% 68.54% 45 70.82% 70.54% 70.27% 70.00% 69.74% 69.49% 69.24% 69.00% 68.77% 68.54%
46 71.37% 71.08% 70.80% 70.53% 70.26% 70.00% 69.75% 69.50% 69.26% 69.02% 46 71.37% 71.08% 70.80% 70.53% 70.26% 70.00% 69.75% 69.50% 69.26% 69.02%
47 71.92% 71.62% 71.33% 71.05% 70.78% 70.51% 70.25% 70.00% 69.75% 69.51% 47 71.92% 71.62% 71.33% 71.05% 70.78% 70.51% 70.25% 70.00% 69.75% 69.51%
Policy Year ←

48 72.47% 72.16% 71.87% 71.58% 71.30% 71.03% 70.76% 70.50% 70.25% 70.00% 48 72.47% 72.16% 71.87% 71.58% 71.30% 71.03% 70.76% 70.50% 70.25% 70.00%
49
nm°{bgr df©

49 73.01% 72.70% 72.40% 72.11% 71.82% 71.54% 71.27% 71.00% 70.74% 70.49% 73.01% 72.70% 72.40% 72.11% 71.82% 71.54% 71.27% 71.00% 70.74% 70.49%
50 73.56% 73.24% 72.93% 72.63% 72.34% 72.05% 71.77% 71.50% 71.23% 70.98% 50 73.56% 73.24% 72.93% 72.63% 72.34% 72.05% 71.77% 71.50% 71.23% 70.98%
51 74.11% 73.78% 73.47% 73.16% 72.86% 72.56% 72.28% 72.00% 71.73% 71.46% 51 74.11% 73.78% 73.47% 73.16% 72.86% 72.56% 72.28% 72.00% 71.73% 71.46%
52 74.66% 74.32% 74.00% 73.68% 73.38% 73.08% 72.78% 72.50% 72.22% 71.95% 52 74.66% 74.32% 74.00% 73.68% 73.38% 73.08% 72.78% 72.50% 72.22% 71.95%
53 75.21% 74.86% 74.53% 74.21% 73.90% 73.59% 73.29% 73.00% 72.72% 72.44% 53 75.21% 74.86% 74.53% 74.21% 73.90% 73.59% 73.29% 73.00% 72.72% 72.44%
54 75.75% 75.41% 75.07% 74.74% 74.42% 74.10% 73.80% 73.50% 73.21% 72.93% 54 75.75% 75.41% 75.07% 74.74% 74.42% 74.10% 73.80% 73.50% 73.21% 72.93%
55 76.30% 75.95% 75.60% 75.26% 74.94% 74.62% 74.30% 74.00% 73.70% 73.41% 55 76.30% 75.95% 75.60% 75.26% 74.94% 74.62% 74.30% 74.00% 73.70% 73.41%
56 76.85% 76.49% 76.13% 75.79% 75.45% 75.13% 74.81% 74.50% 74.20% 73.90% 56 76.85% 76.49% 76.13% 75.79% 75.45% 75.13% 74.81% 74.50% 74.20% 73.90%
57 77.40% 77.03% 76.67% 76.32% 75.97% 75.64% 75.32% 75.00% 74.69% 74.39% 57 77.40% 77.03% 76.67% 76.32% 75.97% 75.64% 75.32% 75.00% 74.69% 74.39%
58 77.95% 77.57% 77.20% 76.84% 76.49% 76.15% 75.82% 75.50% 75.19% 74.88% 58 77.95% 77.57% 77.20% 76.84% 76.49% 76.15% 75.82% 75.50% 75.19% 74.88%
59 78.49% 78.11% 77.73% 77.37% 77.01% 76.67% 76.33% 76.00% 75.68% 75.37% 59 78.49% 78.11% 77.73% 77.37% 77.01% 76.67% 76.33% 76.00% 75.68% 75.37%
60 79.04% 78.65% 78.27% 77.89% 77.53% 77.18% 76.84% 76.50% 76.17% 75.85% 60 79.04% 78.65% 78.27% 77.89% 77.53% 77.18% 76.84% 76.50% 76.17% 75.85%
61 79.59% 79.19% 78.80% 78.42% 78.05% 77.69% 77.34% 77.00% 76.67% 76.34% 61 79.59% 79.19% 78.80% 78.42% 78.05% 77.69% 77.34% 77.00% 76.67% 76.34%
62 80.14% 79.73% 79.33% 78.95% 78.57% 78.21% 77.85% 77.50% 77.16% 76.83% 62 80.14% 79.73% 79.33% 78.95% 78.57% 78.21% 77.85% 77.50% 77.16% 76.83%
63 80.68% 80.27% 79.87% 79.47% 79.09% 78.72% 78.35% 78.00% 77.65% 77.32% 63 80.68% 80.27% 79.87% 79.47% 79.09% 78.72% 78.35% 78.00% 77.65% 77.32%
64 81.23% 80.81% 80.40% 80.00% 79.61% 79.23% 78.86% 78.50% 78.15% 77.80% 64 81.23% 80.81% 80.40% 80.00% 79.61% 79.23% 78.86% 78.50% 78.15% 77.80%
65 81.78% 81.35% 80.93% 80.53% 80.13% 79.74% 79.37% 79.00% 78.64% 78.29% 65 81.78% 81.35% 80.93% 80.53% 80.13% 79.74% 79.37% 79.00% 78.64% 78.29%
66 82.33% 81.89% 81.47% 81.05% 80.65% 80.26% 79.87% 79.50% 79.14% 78.78% 66 82.33% 81.89% 81.47% 81.05% 80.65% 80.26% 79.87% 79.50% 79.14% 78.78%
67 82.88% 82.43% 82.00% 81.58% 81.17% 80.77% 80.38% 80.00% 79.63% 79.27% 67 82.88% 82.43% 82.00% 81.58% 81.17% 80.77% 80.38% 80.00% 79.63% 79.27%
68 83.42% 82.97% 82.53% 82.11% 81.69% 81.28% 80.89% 80.50% 80.12% 79.76% 68 83.42% 82.97% 82.53% 82.11% 81.69% 81.28% 80.89% 80.50% 80.12% 79.76%
69 83.97% 83.51% 83.07% 82.63% 82.21% 81.79% 81.39% 81.00% 80.62% 80.24% 69 83.97% 83.51% 83.07% 82.63% 82.21% 81.79% 81.39% 81.00% 80.62% 80.24%
70 84.52% 84.05% 83.60% 83.16% 82.73% 82.31% 81.90% 81.50% 81.11% 80.73% 70 84.52% 84.05% 83.60% 83.16% 82.73% 82.31% 81.90% 81.50% 81.11% 80.73%
71 85.07% 84.59% 84.13% 83.68% 83.25% 82.82% 82.41% 82.00% 81.60% 81.22% 71 85.07% 84.59% 84.13% 83.68% 83.25% 82.82% 82.41% 82.00% 81.60% 81.22%
72 85.62% 85.14% 84.67% 84.21% 83.77% 83.33% 82.91% 82.50% 82.10% 81.71% 72 85.62% 85.14% 84.67% 84.21% 83.77% 83.33% 82.91% 82.50% 82.10% 81.71%
73 86.16% 85.68% 85.20% 84.74% 84.29% 83.85% 83.42% 83.00% 82.59% 82.20% 73 86.16% 85.68% 85.20% 84.74% 84.29% 83.85% 83.42% 83.00% 82.59% 82.20%
74 86.71% 86.22% 85.73% 85.26% 84.81% 84.36% 83.92% 83.50% 83.09% 82.68% 74 86.71% 86.22% 85.73% 85.26% 84.81% 84.36% 83.92% 83.50% 83.09% 82.68%
75 87.26% 86.76% 86.27% 85.79% 85.32% 84.87% 84.43% 84.00% 83.58% 83.17% 75 87.26% 86.76% 86.27% 85.79% 85.32% 84.87% 84.43% 84.00% 83.58% 83.17%
76 87.81% 87.30% 86.80% 86.32% 85.84% 85.38% 84.94% 84.50% 84.07% 83.66% 76 87.81% 87.30% 86.80% 86.32% 85.84% 85.38% 84.94% 84.50% 84.07% 83.66%
77 88.36% 87.84% 87.33% 86.84% 86.36% 85.90% 85.44% 85.00% 84.57% 84.15% 77 88.36% 87.84% 87.33% 86.84% 86.36% 85.90% 85.44% 85.00% 84.57% 84.15%
78 88.90% 88.38% 87.87% 87.37% 86.88% 86.41% 85.95% 85.50% 85.06% 84.63% 78 88.90% 88.38% 87.87% 87.37% 86.88% 86.41% 85.95% 85.50% 85.06% 84.63%
79 89.45% 88.92% 88.40% 87.89% 87.40% 86.92% 86.46% 86.00% 85.56% 85.12% 79 89.45% 88.92% 88.40% 87.89% 87.40% 86.92% 86.46% 86.00% 85.56% 85.12%
80 90.00% 89.46% 88.93% 88.42% 87.92% 87.44% 86.96% 86.50% 86.05% 85.61% 80 90.00% 89.46% 88.93% 88.42% 87.92% 87.44% 86.96% 86.50% 86.05% 85.61%
81 90.00% 90.00% 89.47% 88.95% 88.44% 87.95% 87.47% 87.00% 86.54% 86.10% 81 90.00% 90.00% 89.47% 88.95% 88.44% 87.95% 87.47% 87.00% 86.54% 86.10%
82 90.00% 90.00% 89.47% 88.96% 88.46% 87.97% 87.50% 87.04% 86.59% 82 90.00% 90.00% 89.47% 88.96% 88.46% 87.97% 87.50% 87.04% 86.59%
83 90.00% 90.00% 89.48% 88.97% 88.48% 88.00% 87.53% 87.07% 83 90.00% 90.00% 89.48% 88.97% 88.48% 88.00% 87.53% 87.07%
84 90.00% 90.00% 89.49% 88.99% 88.50% 88.02% 87.56% 84 90.00% 90.00% 89.49% 88.99% 88.50% 88.02% 87.56%
85 90.00% 90.00% 89.49% 89.00% 88.52% 88.05% 85 90.00% 90.00% 89.49% 89.00% 88.52% 88.05%
86 90.00% 90.00% 89.50% 89.01% 88.54% 86 90.00% 90.00% 89.50% 89.01% 88.54%
87 90.00% 90.00% 89.51% 89.02% 87 90.00% 90.00% 89.51% 89.02%
88 90.00% 90.00% 89.51% 88 90.00% 90.00% 89.51%
89 90.00% 90.00% 89 90.00% 90.00%
90 90.00% 90 90.00%
91 91
92 92
93 93
94 94
95 95
96 96
97 97
98 98
99 99
100 100
n[a[eï> - 4 (H«$_e:) Annexure - 4 (contd...)

nm°{bgr Ad{Y → Policy Term →


91 92 93 94 95 96 97 98 99 100 91 92 93 94 95 96 97 98 99 100
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 30.00% 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 30.00%
3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 50.00% 3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 50.00%
4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.43% 7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.43%
8 50.48% 50.48% 50.47% 50.47% 50.46% 50.45% 50.45% 50.44% 50.44% 50.87% 8 50.48% 50.48% 50.47% 50.47% 50.46% 50.45% 50.45% 50.44% 50.44% 50.87%
9 50.96% 50.95% 50.94% 50.93% 50.92% 50.91% 50.90% 50.89% 50.88% 51.30% 9 50.96% 50.95% 50.94% 50.93% 50.92% 50.91% 50.90% 50.89% 50.88% 51.30%
10 51.45% 51.43% 51.41% 51.40% 51.38% 51.36% 51.35% 51.33% 51.32% 51.74% 10 51.45% 51.43% 51.41% 51.40% 51.38% 51.36% 51.35% 51.33% 51.32% 51.74%
11 51.93% 51.90% 51.88% 51.86% 51.84% 51.82% 51.80% 51.78% 51.76% 52.17% 11 51.93% 51.90% 51.88% 51.86% 51.84% 51.82% 51.80% 51.78% 51.76% 52.17%
12 52.41% 52.38% 52.35% 52.33% 52.30% 52.27% 52.25% 52.22% 52.20% 52.61% 12 52.41% 52.38% 52.35% 52.33% 52.30% 52.27% 52.25% 52.22% 52.20% 52.61%
13 52.89% 52.86% 52.82% 52.79% 52.76% 52.73% 52.70% 52.67% 52.64% 53.04% 13 52.89% 52.86% 52.82% 52.79% 52.76% 52.73% 52.70% 52.67% 52.64% 53.04%
14 53.37% 53.33% 53.29% 53.26% 53.22% 53.18% 53.15% 53.11% 53.08% 53.48% 14 53.37% 53.33% 53.29% 53.26% 53.22% 53.18% 53.15% 53.11% 53.08% 53.48%
15 53.86% 53.81% 53.76% 53.72% 53.68% 53.64% 53.60% 53.56% 53.52% 53.91% 15 53.86% 53.81% 53.76% 53.72% 53.68% 53.64% 53.60% 53.56% 53.52% 53.91%
16 54.34% 54.29% 54.24% 54.19% 54.14% 54.09% 54.04% 54.00% 53.96% 54.35% 16 54.34% 54.29% 54.24% 54.19% 54.14% 54.09% 54.04% 54.00% 53.96% 54.35%
17 54.82% 54.76% 54.71% 54.65% 54.60% 54.55% 54.49% 54.44% 54.40% 54.78% 17 54.82% 54.76% 54.71% 54.65% 54.60% 54.55% 54.49% 54.44% 54.40% 54.78%
18 55.30% 55.24% 55.18% 55.12% 55.06% 55.00% 54.94% 54.89% 54.84% 55.22% 18 55.30% 55.24% 55.18% 55.12% 55.06% 55.00% 54.94% 54.89% 54.84% 55.22%
19 55.78% 55.71% 55.65% 55.58% 55.52% 55.45% 55.39% 55.33% 55.27% 55.65% 19 55.78% 55.71% 55.65% 55.58% 55.52% 55.45% 55.39% 55.33% 55.27% 55.65%
20 56.27% 56.19% 56.12% 56.05% 55.98% 55.91% 55.84% 55.78% 55.71% 56.09% 20 56.27% 56.19% 56.12% 56.05% 55.98% 55.91% 55.84% 55.78% 55.71% 56.09%
21 56.75% 56.67% 56.59% 56.51% 56.44% 56.36% 56.29% 56.22% 56.15% 56.52% 21 56.75% 56.67% 56.59% 56.51% 56.44% 56.36% 56.29% 56.22% 56.15% 56.52%
22 57.23% 57.14% 57.06% 56.98% 56.90% 56.82% 56.74% 56.67% 56.59% 56.96% 22 57.23% 57.14% 57.06% 56.98% 56.90% 56.82% 56.74% 56.67% 56.59% 56.96%
23 57.71% 57.62% 57.53% 57.44% 57.36% 57.27% 57.19% 57.11% 57.03% 57.39% 23 57.71% 57.62% 57.53% 57.44% 57.36% 57.27% 57.19% 57.11% 57.03% 57.39%
24 58.19% 58.10% 58.00% 57.91% 57.82% 57.73% 57.64% 57.56% 57.47% 57.83% 24 58.19% 58.10% 58.00% 57.91% 57.82% 57.73% 57.64% 57.56% 57.47% 57.83%
25 58.67% 58.57% 58.47% 58.37% 58.28% 58.18% 58.09% 58.00% 57.91% 58.26% 25 58.67% 58.57% 58.47% 58.37% 58.28% 58.18% 58.09% 58.00% 57.91% 58.26%
26 59.16% 59.05% 58.94% 58.84% 58.74% 58.64% 58.54% 58.44% 58.35% 58.70% 26 59.16% 59.05% 58.94% 58.84% 58.74% 58.64% 58.54% 58.44% 58.35% 58.70%
27 59.64% 59.52% 59.41% 59.30% 59.20% 59.09% 58.99% 58.89% 58.79% 59.13% 27 59.64% 59.52% 59.41% 59.30% 59.20% 59.09% 58.99% 58.89% 58.79% 59.13%
28 60.12% 60.00% 59.88% 59.77% 59.66% 59.55% 59.44% 59.33% 59.23% 59.57% 28 60.12% 60.00% 59.88% 59.77% 59.66% 59.55% 59.44% 59.33% 59.23% 59.57%
29 60.60% 60.48% 60.35% 60.23% 60.11% 60.00% 59.89% 59.78% 59.67% 60.00% 29 60.60% 60.48% 60.35% 60.23% 60.11% 60.00% 59.89% 59.78% 59.67% 60.00%
30 61.08% 60.95% 60.82% 60.70% 60.57% 60.45% 60.34% 60.22% 60.11% 60.43% 30 61.08% 60.95% 60.82% 60.70% 60.57% 60.45% 60.34% 60.22% 60.11% 60.43%
31 61.57% 61.43% 61.29% 61.16% 61.03% 60.91% 60.79% 60.67% 60.55% 60.87% 31 61.57% 61.43% 61.29% 61.16% 61.03% 60.91% 60.79% 60.67% 60.55% 60.87%
32 62.05% 61.90% 61.76% 61.63% 61.49% 61.36% 61.24% 61.11% 60.99% 61.30% 32 62.05% 61.90% 61.76% 61.63% 61.49% 61.36% 61.24% 61.11% 60.99% 61.30%
33 62.53% 62.38% 62.24% 62.09% 61.95% 61.82% 61.69% 61.56% 61.43% 61.74% 33 62.53% 62.38% 62.24% 62.09% 61.95% 61.82% 61.69% 61.56% 61.43% 61.74%
34 63.01% 62.86% 62.71% 62.56% 62.41% 62.27% 62.13% 62.00% 61.87% 62.17% 34 63.01% 62.86% 62.71% 62.56% 62.41% 62.27% 62.13% 62.00% 61.87% 62.17%
35 63.49% 63.33% 63.18% 63.02% 62.87% 62.73% 62.58% 62.44% 62.31% 62.61% 35 63.49% 63.33% 63.18% 63.02% 62.87% 62.73% 62.58% 62.44% 62.31% 62.61%
36 63.98% 63.81% 63.65% 63.49% 63.33% 63.18% 63.03% 62.89% 62.75% 63.04% 36 63.98% 63.81% 63.65% 63.49% 63.33% 63.18% 63.03% 62.89% 62.75% 63.04%
37 64.46% 64.29% 64.12% 63.95% 63.79% 63.64% 63.48% 63.33% 63.19% 63.48% 37 64.46% 64.29% 64.12% 63.95% 63.79% 63.64% 63.48% 63.33% 63.19% 63.48%
38 64.94% 64.76% 64.59% 64.42% 64.25% 64.09% 63.93% 63.78% 63.63% 63.91% 38 64.94% 64.76% 64.59% 64.42% 64.25% 64.09% 63.93% 63.78% 63.63% 63.91%
39 65.42% 65.24% 65.06% 64.88% 64.71% 64.55% 64.38% 64.22% 64.07% 64.35% 39 65.42% 65.24% 65.06% 64.88% 64.71% 64.55% 64.38% 64.22% 64.07% 64.35%
40 65.90% 65.71% 65.53% 65.35% 65.17% 65.00% 64.83% 64.67% 64.51% 64.78% 40 65.90% 65.71% 65.53% 65.35% 65.17% 65.00% 64.83% 64.67% 64.51% 64.78%
41 66.39% 66.19% 66.00% 65.81% 65.63% 65.45% 65.28% 65.11% 64.95% 65.22% 41 66.39% 66.19% 66.00% 65.81% 65.63% 65.45% 65.28% 65.11% 64.95% 65.22%
42 66.87% 66.67% 66.47% 66.28% 66.09% 65.91% 65.73% 65.56% 65.38% 65.65% 42 66.87% 66.67% 66.47% 66.28% 66.09% 65.91% 65.73% 65.56% 65.38% 65.65%
43 67.35% 67.14% 66.94% 66.74% 66.55% 66.36% 66.18% 66.00% 65.82% 66.09% 43 67.35% 67.14% 66.94% 66.74% 66.55% 66.36% 66.18% 66.00% 65.82% 66.09%
44 67.83% 67.62% 67.41% 67.21% 67.01% 66.82% 66.63% 66.44% 66.26% 66.52% 44 67.83% 67.62% 67.41% 67.21% 67.01% 66.82% 66.63% 66.44% 66.26% 66.52%
45 68.31% 68.10% 67.88% 67.67% 67.47% 67.27% 67.08% 66.89% 66.70% 66.96% 45 68.31% 68.10% 67.88% 67.67% 67.47% 67.27% 67.08% 66.89% 66.70% 66.96%
46 68.80% 68.57% 68.35% 68.14% 67.93% 67.73% 67.53% 67.33% 67.14% 67.39% 46 68.80% 68.57% 68.35% 68.14% 67.93% 67.73% 67.53% 67.33% 67.14% 67.39%
47 69.28% 69.05% 68.82% 68.60% 68.39% 68.18% 67.98% 67.78% 67.58% 67.83% 47 69.28% 69.05% 68.82% 68.60% 68.39% 68.18% 67.98% 67.78% 67.58% 67.83%
Policy Year ←

48

48 69.76% 69.52% 69.29% 69.07% 68.85% 68.64% 68.43% 68.22% 68.02% 68.26% 69.76% 69.52% 69.29% 69.07% 68.85% 68.64% 68.43% 68.22% 68.02% 68.26%
49 70.24% 70.00% 69.76% 69.53% 69.31% 69.09% 68.88% 68.67% 68.46% 68.70%
nm°{bgr df©

49 70.24% 70.00% 69.76% 69.53% 69.31% 69.09% 68.88% 68.67% 68.46% 68.70%
50 70.72% 70.48% 70.24% 70.00% 69.77% 69.55% 69.33% 69.11% 68.90% 69.13% 50 70.72% 70.48% 70.24% 70.00% 69.77% 69.55% 69.33% 69.11% 68.90% 69.13%
51 71.20% 70.95% 70.71% 70.47% 70.23% 70.00% 69.78% 69.56% 69.34% 69.57% 51 71.20% 70.95% 70.71% 70.47% 70.23% 70.00% 69.78% 69.56% 69.34% 69.57%
52 71.69% 71.43% 71.18% 70.93% 70.69% 70.45% 70.22% 70.00% 69.78% 70.00% 52 71.69% 71.43% 71.18% 70.93% 70.69% 70.45% 70.22% 70.00% 69.78% 70.00%
53 72.17% 71.90% 71.65% 71.40% 71.15% 70.91% 70.67% 70.44% 70.22% 70.43% 53 72.17% 71.90% 71.65% 71.40% 71.15% 70.91% 70.67% 70.44% 70.22% 70.43%
54 72.65% 72.38% 72.12% 71.86% 71.61% 71.36% 71.12% 70.89% 70.66% 70.87% 54 72.65% 72.38% 72.12% 71.86% 71.61% 71.36% 71.12% 70.89% 70.66% 70.87%
55 73.13% 72.86% 72.59% 72.33% 72.07% 71.82% 71.57% 71.33% 71.10% 71.30% 55 73.13% 72.86% 72.59% 72.33% 72.07% 71.82% 71.57% 71.33% 71.10% 71.30%
56 73.61% 73.33% 73.06% 72.79% 72.53% 72.27% 72.02% 71.78% 71.54% 71.74% 56 73.61% 73.33% 73.06% 72.79% 72.53% 72.27% 72.02% 71.78% 71.54% 71.74%
57 74.10% 73.81% 73.53% 73.26% 72.99% 72.73% 72.47% 72.22% 71.98% 72.17% 57 74.10% 73.81% 73.53% 73.26% 72.99% 72.73% 72.47% 72.22% 71.98% 72.17%
58 74.58% 74.29% 74.00% 73.72% 73.45% 73.18% 72.92% 72.67% 72.42% 72.61% 58 74.58% 74.29% 74.00% 73.72% 73.45% 73.18% 72.92% 72.67% 72.42% 72.61%
59 75.06% 74.76% 74.47% 74.19% 73.91% 73.64% 73.37% 73.11% 72.86% 73.04% 59 75.06% 74.76% 74.47% 74.19% 73.91% 73.64% 73.37% 73.11% 72.86% 73.04%
60 75.54% 75.24% 74.94% 74.65% 74.37% 74.09% 73.82% 73.56% 73.30% 73.48% 60 75.54% 75.24% 74.94% 74.65% 74.37% 74.09% 73.82% 73.56% 73.30% 73.48%
61 76.02% 75.71% 75.41% 75.12% 74.83% 74.55% 74.27% 74.00% 73.74% 73.91% 61 76.02% 75.71% 75.41% 75.12% 74.83% 74.55% 74.27% 74.00% 73.74% 73.91%
62 76.51% 76.19% 75.88% 75.58% 75.29% 75.00% 74.72% 74.44% 74.18% 74.35% 62 76.51% 76.19% 75.88% 75.58% 75.29% 75.00% 74.72% 74.44% 74.18% 74.35%
63 76.99% 76.67% 76.35% 76.05% 75.75% 75.45% 75.17% 74.89% 74.62% 74.78% 63 76.99% 76.67% 76.35% 76.05% 75.75% 75.45% 75.17% 74.89% 74.62% 74.78%
64 77.47% 77.14% 76.82% 76.51% 76.21% 75.91% 75.62% 75.33% 75.05% 75.22% 64 77.47% 77.14% 76.82% 76.51% 76.21% 75.91% 75.62% 75.33% 75.05% 75.22%
65 77.95% 77.62% 77.29% 76.98% 76.67% 76.36% 76.07% 75.78% 75.49% 75.65% 65 77.95% 77.62% 77.29% 76.98% 76.67% 76.36% 76.07% 75.78% 75.49% 75.65%
66 78.43% 78.10% 77.76% 77.44% 77.13% 76.82% 76.52% 76.22% 75.93% 76.09% 66 78.43% 78.10% 77.76% 77.44% 77.13% 76.82% 76.52% 76.22% 75.93% 76.09%
67 78.92% 78.57% 78.24% 77.91% 77.59% 77.27% 76.97% 76.67% 76.37% 76.52% 67 78.92% 78.57% 78.24% 77.91% 77.59% 77.27% 76.97% 76.67% 76.37% 76.52%
68 79.40% 79.05% 78.71% 78.37% 78.05% 77.73% 77.42% 77.11% 76.81% 76.96% 68 79.40% 79.05% 78.71% 78.37% 78.05% 77.73% 77.42% 77.11% 76.81% 76.96%
69 79.88% 79.52% 79.18% 78.84% 78.51% 78.18% 77.87% 77.56% 77.25% 77.39% 69 79.88% 79.52% 79.18% 78.84% 78.51% 78.18% 77.87% 77.56% 77.25% 77.39%
70 80.36% 80.00% 79.65% 79.30% 78.97% 78.64% 78.31% 78.00% 77.69% 77.83% 70 80.36% 80.00% 79.65% 79.30% 78.97% 78.64% 78.31% 78.00% 77.69% 77.83%
71 80.84% 80.48% 80.12% 79.77% 79.43% 79.09% 78.76% 78.44% 78.13% 78.26% 71 80.84% 80.48% 80.12% 79.77% 79.43% 79.09% 78.76% 78.44% 78.13% 78.26%
72 81.33% 80.95% 80.59% 80.23% 79.89% 79.55% 79.21% 78.89% 78.57% 78.70% 72 81.33% 80.95% 80.59% 80.23% 79.89% 79.55% 79.21% 78.89% 78.57% 78.70%
73 81.81% 81.43% 81.06% 80.70% 80.34% 80.00% 79.66% 79.33% 79.01% 79.13% 73 81.81% 81.43% 81.06% 80.70% 80.34% 80.00% 79.66% 79.33% 79.01% 79.13%
74 82.29% 81.90% 81.53% 81.16% 80.80% 80.45% 80.11% 79.78% 79.45% 79.57% 74 82.29% 81.90% 81.53% 81.16% 80.80% 80.45% 80.11% 79.78% 79.45% 79.57%
75 82.77% 82.38% 82.00% 81.63% 81.26% 80.91% 80.56% 80.22% 79.89% 80.00% 75 82.77% 82.38% 82.00% 81.63% 81.26% 80.91% 80.56% 80.22% 79.89% 80.00%
76 83.25% 82.86% 82.47% 82.09% 81.72% 81.36% 81.01% 80.67% 80.33% 80.43% 76 83.25% 82.86% 82.47% 82.09% 81.72% 81.36% 81.01% 80.67% 80.33% 80.43%
77 83.73% 83.33% 82.94% 82.56% 82.18% 81.82% 81.46% 81.11% 80.77% 80.87% 77 83.73% 83.33% 82.94% 82.56% 82.18% 81.82% 81.46% 81.11% 80.77% 80.87%
78 84.22% 83.81% 83.41% 83.02% 82.64% 82.27% 81.91% 81.56% 81.21% 81.30% 78 84.22% 83.81% 83.41% 83.02% 82.64% 82.27% 81.91% 81.56% 81.21% 81.30%
79 84.70% 84.29% 83.88% 83.49% 83.10% 82.73% 82.36% 82.00% 81.65% 81.74% 79 84.70% 84.29% 83.88% 83.49% 83.10% 82.73% 82.36% 82.00% 81.65% 81.74%
80 85.18% 84.76% 84.35% 83.95% 83.56% 83.18% 82.81% 82.44% 82.09% 82.17% 80 85.18% 84.76% 84.35% 83.95% 83.56% 83.18% 82.81% 82.44% 82.09% 82.17%
81 85.66% 85.24% 84.82% 84.42% 84.02% 83.64% 83.26% 82.89% 82.53% 82.61% 81 85.66% 85.24% 84.82% 84.42% 84.02% 83.64% 83.26% 82.89% 82.53% 82.61%
82 86.14% 85.71% 85.29% 84.88% 84.48% 84.09% 83.71% 83.33% 82.97% 83.04% 82 86.14% 85.71% 85.29% 84.88% 84.48% 84.09% 83.71% 83.33% 82.97% 83.04%
83 86.63% 86.19% 85.76% 85.35% 84.94% 84.55% 84.16% 83.78% 83.41% 83.48% 83 86.63% 86.19% 85.76% 85.35% 84.94% 84.55% 84.16% 83.78% 83.41% 83.48%
84 87.11% 86.67% 86.24% 85.81% 85.40% 85.00% 84.61% 84.22% 83.85% 83.91% 84 87.11% 86.67% 86.24% 85.81% 85.40% 85.00% 84.61% 84.22% 83.85% 83.91%
85 87.59% 87.14% 86.71% 86.28% 85.86% 85.45% 85.06% 84.67% 84.29% 84.35% 85 87.59% 87.14% 86.71% 86.28% 85.86% 85.45% 85.06% 84.67% 84.29% 84.35%
86 88.07% 87.62% 87.18% 86.74% 86.32% 85.91% 85.51% 85.11% 84.73% 84.78% 86 88.07% 87.62% 87.18% 86.74% 86.32% 85.91% 85.51% 85.11% 84.73% 84.78%
87 88.55% 88.10% 87.65% 87.21% 86.78% 86.36% 85.96% 85.56% 85.16% 85.22% 87 88.55% 88.10% 87.65% 87.21% 86.78% 86.36% 85.96% 85.56% 85.16% 85.22%
88 89.04% 88.57% 88.12% 87.67% 87.24% 86.82% 86.40% 86.00% 85.60% 85.65% 88 89.04% 88.57% 88.12% 87.67% 87.24% 86.82% 86.40% 86.00% 85.60% 85.65%
89 89.52% 89.05% 88.59% 88.14% 87.70% 87.27% 86.85% 86.44% 86.04% 86.09% 89 89.52% 89.05% 88.59% 88.14% 87.70% 87.27% 86.85% 86.44% 86.04% 86.09%
90 90.00% 89.52% 89.06% 88.60% 88.16% 87.73% 87.30% 86.89% 86.48% 86.52% 90 90.00% 89.52% 89.06% 88.60% 88.16% 87.73% 87.30% 86.89% 86.48% 86.52%
91 90.00% 90.00% 89.53% 89.07% 88.62% 88.18% 87.75% 87.33% 86.92% 86.96% 91 90.00% 90.00% 89.53% 89.07% 88.62% 88.18% 87.75% 87.33% 86.92% 86.96%
92 90.00% 90.00% 89.53% 89.08% 88.64% 88.20% 87.78% 87.36% 87.39% 92 90.00% 90.00% 89.53% 89.08% 88.64% 88.20% 87.78% 87.36% 87.39%
93 90.00% 90.00% 89.54% 89.09% 88.65% 88.22% 87.80% 87.83% 93 90.00% 90.00% 89.54% 89.09% 88.65% 88.22% 87.80% 87.83%
94 90.00% 90.00% 89.55% 89.10% 88.67% 88.24% 88.26% 94 90.00% 90.00% 89.55% 89.10% 88.67% 88.24% 88.26%
95 90.00% 90.00% 89.55% 89.11% 88.68% 88.70% 95 90.00% 90.00% 89.55% 89.11% 88.68% 88.70%
96 90.00% 90.00% 89.56% 89.12% 89.13% 96 90.00% 90.00% 89.56% 89.12% 89.13%
97 90.00% 90.00% 89.56% 89.57% 97 90.00% 90.00% 89.56% 89.57%
98 90.00% 90.00% 90.00% 98 90.00% 90.00% 90.00%
99 90.00% 90.00% 99 90.00% 90.00%
100 100
n[a[eï 5 Annexure 5
EbAmB©gr H$s OrdZ C‘§J (bm^ g{hV) LIC’s Jeevan Umang (With Profits)
Hw$b AXm {H$E JE àr{_`_m| na bmJy Jma§Q>rS> Aä`n©U _yë` KQ>H$ Guaranteed Surrender Value Factors Applicable to Total
Premiums Paid
nm°{bgr Ad{Y → Policy Term →
45 46 47 48 49 50 51 52 53 54 55 56
45 46 47 48 49 50 51 52 53 54 55 56
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97%
3 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97%
4 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31%
4 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31%
5 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65%
5 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65%
6 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99%
6 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99%
7 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33%
7 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33%
8 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67%
8 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67%
9 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01%
9 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01%
10 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35%
10 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35%
11 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69%
11 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69%
12 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03%
12 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03%
13 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37%
13 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37%
14 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71%
14 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71%
15 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05%
15 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05%
16 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39%
16 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39%
17 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73%
17 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73%
18 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07%
18 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07%
19 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41%
19 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41%
20 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75%
20 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75%
21 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09%
21 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09%
22 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43%
22 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43%
23 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77%
23 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77%
24 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11%
24 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11%
25 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45%
25 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45%
26 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79%
26 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79%
27 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13%
27 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13%
28 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47%
28 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47%
29 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81%
29 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81%
30 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15%
30 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15%
31 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49%
31 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49%
32 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84%
32 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84%
33 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18%
33 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18%
34 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52%
34 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52%
35 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86%
35 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86%
36 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20%
36 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20%
37 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54%
37 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54%
38 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88%
38 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88%
39 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22%
39 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22%
40 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56%
40 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56%
41 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90%
41 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90%
42 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24%
42 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24%
43 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58%
43 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58%
44 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92%
44 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92%
45 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26%
45 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26%
46 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60%
46 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60%
47 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94%
47 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94%

Policy Year ←

48 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28%


48 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28%
nm°{bgr df©

49 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62%


49 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62%
50 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96%
50 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96%
51 35.00% 34.66% 34.32% 33.98% 33.64% 33.30%
51 35.00% 34.66% 34.32% 33.98% 33.64% 33.30%
52 35.00% 34.66% 34.32% 33.98% 33.64%
52 35.00% 34.66% 34.32% 33.98% 33.64%
53 35.00% 34.66% 34.32% 33.98%
53 35.00% 34.66% 34.32% 33.98%
54 35.00% 34.66% 34.32%
54 35.00% 34.66% 34.32%
55 35.00% 34.66%
55 35.00% 34.66%
56 35.00%
56 35.00%
57
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n[a[eï> - 5 (H«$_e:) Annexure - 5 (contd...)

nm°{bgr Ad{Y → Policy Term →


57 58 59 60 61 62 63 64 65 66 67 68 57 58 59 60 61 62 63 64 65 66 67 68
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 3 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89%
4 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 4 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23%
5 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 5 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57%
6 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 6 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91%
7 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 7 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25%
8 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 8 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59%
9 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 9 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93%
10 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 10 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27%
11 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 11 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61%
12 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 12 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95%
13 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 13 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29%
14 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 14 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63%
15 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 15 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97%
16 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31%
17 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65%
18 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 18 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99%
19 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 19 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33%
20 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 20 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67%
21 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 21 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01%
22 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 22 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35%
23 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 23 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69%
24 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 24 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03%
25 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 25 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37%
26 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 26 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71%
27 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 27 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05%
28 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 28 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39%
29 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 29 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73%
30 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 30 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07%
31 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 31 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41%
32 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 32 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75%
33 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 33 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09%
34 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 34 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43%
35 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 35 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77%
36 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 36 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11%
37 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 37 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45%
38 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 38 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79%
39 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 39 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13%
40 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 40 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47%
41 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 41 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81%
42 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 42 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15%
43 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 43 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49%
44 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 44 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84%
45 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 45 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18%
46 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 46 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52%
47 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 47 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86%
Policy Year ←

48 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 48 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20%
49
nm°{bgr df©

49 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54%
50 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 50 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88%
51 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 51 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22%
52 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 52 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56%
53 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 53 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90%
54 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 54 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24%
55 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 55 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58%
56 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 56 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92%
57 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 57 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26%
58 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 58 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60%
59 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 59 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94%
60 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 60 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28%
61 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 61 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62%
62 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 62 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96%
63 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 63 35.00% 34.66% 34.32% 33.98% 33.64% 33.30%
64 35.00% 34.66% 34.32% 33.98% 33.64% 64 35.00% 34.66% 34.32% 33.98% 33.64%
65 35.00% 34.66% 34.32% 33.98% 65 35.00% 34.66% 34.32% 33.98%
66 35.00% 34.66% 34.32% 66 35.00% 34.66% 34.32%
67 35.00% 34.66% 67 35.00% 34.66%
68 35.00% 68 35.00%
69 69
70 70
71 71
72 72
73 73
74 74
75 75
76 76
77 77
78 78
79 79
80 80
81 81
82 82
83 83
84 84
85 85
86 86
87 87
88 88
89 89
90 90
91 91
92 92
93 93
94 94
95 95
96 96
97 97
98 98
99 99
100 100
n[a[eï> - 5 (H«$_e:) Annexure - 5 (contd...)

nm°{bgr Ad{Y → Policy Term →


69 70 71 72 73 74 75 76 77 78 79 80 69 70 71 72 73 74 75 76 77 78 79 80
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 3 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80%
4 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 4 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14%
5 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 5 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48%
6 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 6 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82%
7 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 7 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16%
8 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 8 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51%
9 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 9 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85%
10 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19%
11 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53%
12 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 12 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87%
13 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 13 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21%
14 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 14 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55%
15 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 15 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89%
16 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 16 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23%
17 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 17 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57%
18 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 18 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91%
19 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 19 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25%
20 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 20 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59%
21 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 21 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93%
22 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 22 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27%
23 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 23 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61%
24 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 24 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95%
25 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 25 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29%
26 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 26 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63%
27 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 27 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97%
28 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 28 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31%
29 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 29 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65%
30 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 30 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99%
31 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 31 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33%
32 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 32 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67%
33 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 33 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01%
34 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 34 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35%
35 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 35 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69%
36 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 36 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03%
37 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 37 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37%
38 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 38 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71%
39 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 39 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05%
40 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 40 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39%
41 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 41 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73%
42 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 42 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07%
43 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 43 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41%
44 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 44 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75%
45 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 45 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09%
46 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 46 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43%
47 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 47 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77%
Policy Year ←

48 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 48 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11%
49
nm°{bgr df©

49 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45%
50 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 50 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79%
51 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 51 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13%
52 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 52 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47%
53 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 53 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81%
54 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 54 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15%
55 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 55 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49%
56 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 56 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84%
57 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 57 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18%
58 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 58 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52%
59 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 59 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86%
60 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 60 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20%
61 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 61 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54%
62 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 62 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88%
63 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 63 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22%
64 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 64 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56%
65 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 65 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90%
66 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 66 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24%
67 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 67 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58%
68 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 68 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92%
69 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 69 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26%
70 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 70 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60%
71 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 71 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94%
72 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 72 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28%
73 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 73 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62%
74 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 74 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96%
75 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 75 35.00% 34.66% 34.32% 33.98% 33.64% 33.30%
76 35.00% 34.66% 34.32% 33.98% 33.64% 76 35.00% 34.66% 34.32% 33.98% 33.64%
77 35.00% 34.66% 34.32% 33.98% 77 35.00% 34.66% 34.32% 33.98%
78 35.00% 34.66% 34.32% 78 35.00% 34.66% 34.32%
79 35.00% 34.66% 79 35.00% 34.66%
80 35.00% 80 35.00%
81 81
82 82
83 83
84 84
85 85
86 86
87 87
88 88
89 89
90 90
91 91
92 92
93 93
94 94
95 95
96 96
97 97
98 98
99 99
100 100
n[a[eï> - 5 (H«$_e:) Annexure - 5 (contd...)

nm°{bgr Ad{Y → Policy Term →


81 82 83 84 85 86 87 88 89 90 81 82 83 84 85 86 87 88 89 90
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 3 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40%
4 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 4 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74%
5 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08%
6 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42%
7 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 7 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76%
8 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 8 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10%
9 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 9 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44%
10 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 10 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78%
11 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 11 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12%
12 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 12 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46%
13 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 13 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80%
14 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 14 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14%
15 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 15 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48%
16 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 16 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82%
17 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 17 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16%
18 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 18 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51%
19 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 19 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85%
20 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 20 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19%
21 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 21 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53%
22 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 22 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87%
23 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 23 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21%
24 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 24 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55%
25 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 25 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89%
26 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 26 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23%
27 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 27 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57%
28 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 28 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91%
29 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 29 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25%
30 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 30 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59%
31 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 31 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93%
32 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 32 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27%
33 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 33 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61%
34 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 34 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95%
35 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 35 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29%
36 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 36 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63%
37 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 37 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97%
38 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 38 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31%
39 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 39 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65%
40 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 40 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99%
41 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 41 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33%
42 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 42 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67%
43 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 43 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01%
44 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 44 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35%
45 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 45 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69%
46 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 46 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03%
47 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 47 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37%
Policy Year ←

48 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 48 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71%
49
nm°{bgr df©

49 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05%
50 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 50 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39%
51 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 51 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73%
52 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 52 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07%
53 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 53 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41%
54 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 54 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75%
55 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 55 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09%
56 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 56 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43%
57 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 57 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77%
58 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 58 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11%
59 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 59 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45%
60 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 60 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79%
61 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 61 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13%
62 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 62 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47%
63 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 63 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81%
64 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 64 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15%
65 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 65 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49%
66 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 66 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84%
67 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 67 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18%
68 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 68 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52%
69 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 69 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86%
70 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 70 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20%
71 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 71 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54%
72 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 72 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88%
73 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 73 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22%
74 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 74 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56%
75 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 75 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90%
76 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 76 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24%
77 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 77 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58%
78 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 78 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92%
79 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 79 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26%
80 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 80 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60%
81 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 81 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94%
82 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 82 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28%
83 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 83 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62%
84 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 84 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96%
85 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 85 35.00% 34.66% 34.32% 33.98% 33.64% 33.30%
86 35.00% 34.66% 34.32% 33.98% 33.64% 86 35.00% 34.66% 34.32% 33.98% 33.64%
87 35.00% 34.66% 34.32% 33.98% 87 35.00% 34.66% 34.32% 33.98%
88 35.00% 34.66% 34.32% 88 35.00% 34.66% 34.32%
89 35.00% 34.66% 89 35.00% 34.66%
90 35.00% 90 35.00%
91 91
92 92
93 93
94 94
95 95
96 96
97 97
98 98
99 99
100 100
n[a[eï> - 5 (H«$_e:) Annexure - 5 (contd...)

nm°{bgr Ad{Y → Policy Term →


91 92 93 94 95 96 97 98 99 100 91 92 93 94 95 96 97 98 99 100
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 2.68% 2.34% 2.00% 3 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 2.68% 2.34% 2.00%
4 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 2.68% 2.34% 4 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 2.68% 2.34%
5 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 2.68% 5 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 2.68%
6 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 6 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02%
7 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 7 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36%
8 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 8 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70%
9 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 9 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04%
10 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 10 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38%
11 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 11 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72%
12 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 12 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06%
13 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 13 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40%
14 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 14 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74%
15 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 15 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08%
16 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 16 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42%
17 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 17 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76%
18 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 18 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10%
19 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 19 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44%
20 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 20 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78%
21 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 21 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12%
22 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 22 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46%
23 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 23 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80%
24 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 24 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14%
25 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 25 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48%
26 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 26 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82%
27 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 27 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16%
28 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 28 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51%
29 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 29 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85%
30 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 30 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19%
31 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 31 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53%
32 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 32 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87%
33 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 33 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21%
34 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 34 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55%
35 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 35 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89%
36 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 36 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23%
37 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 37 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57%
38 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 38 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91%
39 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 39 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25%
40 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 40 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59%
41 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 41 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93%
42 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 42 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27%
43 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 43 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61%
44 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 44 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95%
45 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 45 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29%
46 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 46 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63%
47 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 47 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97%
Policy Year ←

48 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 48 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31%
49 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65%
nm°{bgr df©

49 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65%
50 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 50 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99%
51 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 51 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33%
52 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 52 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67%
53 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 53 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01%
54 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 54 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35%
55 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 55 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69%
56 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 56 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03%
57 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 57 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37%
58 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 58 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71%
59 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 59 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05%
60 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 60 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39%
61 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 61 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73%
62 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 62 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07%
63 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 63 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41%
64 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 64 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75%
65 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 65 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09%
66 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 66 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43%
67 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 67 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77%
68 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 68 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11%
69 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 69 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45%
70 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 70 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79%
71 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 71 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13%
72 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 72 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47%
73 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 73 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81%
74 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 74 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15%
75 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 75 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49%
76 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 76 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84%
77 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 77 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18%
78 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 78 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52%
79 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 79 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86%
80 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 80 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20%
81 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 81 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54%
82 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 82 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88%
83 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 83 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22%
84 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 84 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56%
85 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 85 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90%
86 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 86 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24%
87 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 87 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58%
88 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 88 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92%
89 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 89 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26%
90 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 90 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60%
91 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 91 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94%
92 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 92 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28%
93 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 93 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62%
94 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 94 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96%
95 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 95 35.00% 34.66% 34.32% 33.98% 33.64% 33.30%
96 35.00% 34.66% 34.32% 33.98% 33.64% 96 35.00% 34.66% 34.32% 33.98% 33.64%
97 35.00% 34.66% 34.32% 33.98% 97 35.00% 34.66% 34.32% 33.98%
98 35.00% 34.66% 34.32% 98 35.00% 34.66% 34.32%
99 35.00% 34.66% 99 35.00% 34.66%
100 35.00% 100 35.00%
ZmoQ>: AJa AmnH$s H$moB© {eH$m¶V/g‘ñ¶m, hmo Vmo Amn {eH$m¶V {ZdmaU A{YH$mar/bmoH$nmb go gånH©$ H$a gH$Vo h¡, {OZH$m nVm ZrMo {X¶m J¶m h¡:
NOTE: In case you have any Complaints/Grievance, you may approach Grievance Redressal Officer/ Ombudsman, whose address is as under:

emIm H$m¶m©b¶ H$m nVm: / Address of Branch Office:

{eH$m¶V {ZdmaU A{YH$mar H$m nVm:


Address of Grievance Redressal Officer: Address of Insurance Ombudsman:

Note: In case of dispute in respect of interpretation of these terms and conditions and special provisions/conditions the English version shall stand valid.

YOU ARE REQUESTED TO EXAMINE THIS POLICY, AND IF ANY MISTAKE BE FOUND THEREIN, RETURN IT IMMEDIATELY FOR CORRECTION.

IRDAI Regn. No.: 512