Education Cost Calculator - Child Education Plan Calculator

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Assumptions:

1. We have accounted for expenses, such as food and accomodation in the course fee for the overseas Colleges and Universities. Course fee for Indian Colleges and Universities includes only tuition fee. For a detailed list of colleges, kindly refer to the annexure. The calculations are based on assumed rate of inflation i.e, 8% for India and 2% for other countries.

2. USD to INR Exchange Rate @ Rs.66.99 | Pound to INR Exchange Rate @ Rs.80.77 | Austrailian Dollar INR Exchange Rate @ Rs.50.39 | Singapore Dollar INR Exchange Rate @ Rs. 49.14

Please note that the list of colleges and Exchange rate is as on August, 2016.

IRDAI clarifies to public that:
• IRDAI is not involved in activities like selling insurance policies, announcing
bonus or investment of premiums.
• Public receiving such phone calls are requested to lodge a police complaint.

IRDAI - Registration No. 104. ARN/Web/01/21042021 Category: Life. Validity: Valid.
Corporate Identity Number (CIN):U74899PB2000PLC045626.

Corporate Office: Max Life Insurance Co. Ltd. 11th Floor, DLF Square, Building, Jacaranda Marg, DLF Phase 2, Sector 25, Gurugram, Shahpur, Haryana 122002

Trade logo displayed belongs to Max Financial Services Ltd. and Axis Bank Ltd .respectively and with their consents, are used by Max Life Insurance Co. Ltd

Max Life Insurance Company Limited is a Joint Venture between Max Financial Services Limited and Axis Bank Limited.

Corporate Office :

Max Life Insurance Co. Ltd. 11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurugram (Haryana) - 122002.

Operation Center :

Max Life Insurance Co. Ltd, Plot No. 90-C UdyogVihar, Sector 18, Gurugram (Haryana) - 122015.

Customer Helpline: 1860 120 5577 (9:00 A.M to 6:00 P.M Monday to Saturday) * Call charges apply.

Online Helpline - 0124 648 8900 (09:00 AM to 09:00 PM Monday to Saturday).

Fax Number:0124-4159397.

Email ids: service.helpdesk@maxlifeinsurance.com

Website: www.maxlifeinsurance.com

Max Life Insurance is integrated with licensed NBFC FinVu(Cookiejar Technologies Pvt. Ltd. for sharing policy details with regulated Financial Information Users within the Account Aggregator ecosystem after obtaining the Policy holder's consent. Read more about Account Aggregator framework here.

*Life insurance coverage is available in this product. For more details on risk factors, Terms and Conditions please read the prospectus carefully before concluding a sale. You may be entitled to certain applicable tax benefits on your premiums and policy benefits. Please note all the tax benefits are subject to tax laws prevailing at the time of payment of premium or receipt of benefits by you. Tax benefits are subject to changes in tax laws. Trade logo displayed belongs to Max Financial Services Ltd. and Axis Bank Ltd. respectively and with their consents, are used by Max Life Insurance Co.

Insurance is the subject matter of solicitation. For more details on the risk factors, Terms and Conditions, please read the sales and rider prospectus carefully before concluding a sale. Tax benefits are eligible for tax exemption on fulfilling conditions mentioned under Section 10(10D) of income tax act 1961. Tax exemptions are as per our understanding of law and as per prevailing provisions of income tax at 1961 . Policy holders are advised to consult tax expert for better clarification /interpretation. Please note that all the tax benefits are subject to tax laws at the time of payment of premium or receipt of policy benefits by you. Tax benefits are subject to changes in tax laws. The monthly Income Benefit and Terminal Benefit may be taxable subject to extra premium being loaded at underwriting stage.

Disclaimers for Market Linked Plans & Saving plans:

THE UNIT LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF FIFTH YEAR.

Unit Linked Insurance Products (ULIPs) are different from the traditional insurance products and are subject to the risk factors. The premium paid in the Unit Linked Life Insurance Policies is subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Max Life Insurance is only the name of the insurance company and Max Life Online Savings Plan (UIN: 104L098V05) is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these funds, their future prospects or returns.

Max Life Online Savings Plan is a Unit Linked Non Participating Individual Life Insurance Plan (UIN104L098V05)

*#Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your Insurer carrying on life insurance business. The assumed rates of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your Policy depends on a number of factors including future investment performance. The guaranteed and non-guaranteed benefits are applicable only if all due premiums are paid.The Maturity Benefit shown in the illustrative example are inclusive/exclusive of taxes.

^*Disclaimer: Applicable for Titanium variant of Max Life Smart Fixed-return Digital (Premium payment of 5 years, Policy term of 10 years) and a healthy female of 18 years old paying Rs.3,60,000/- annually (exclusive of all applicable taxes)

^^On completion of policy term

The savings indicated is the maximum premium difference as compared with offline plan & depends on the variant purchased.

^*All claims that qualify for InstaClaim™ will be paid within 1 working day from date of submission of all mandatory documents else Max Life will pay interest at Bank Rate as on beginning of financial year in which claim has been received (4.65 % p.a. for FY’20) for every day of delay beyond one working day. Interest shall be at the bank rate that is prevalent at beginning of the financial year in which death claim has been received.

Claims for policies completed 3 continuous years. All mandatory documents should be submitted before 3:00pm on a working day.Claim amount on all eligible policies4 is less than Rs. 1 Crore. Claim does not warrant any field verification.Mandatory Documents :> Original policy document > Original/attested copy of death certificate issued by local municipal authority > Death claim application form (Form A) > NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook along with nominees photo identity proof > Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/viscera report (in case of accidental death)

⁷CMO Asia BFSI Excellence Award 2019

⁵Criteria applicable only for “Term plans” for Graduate, Indian resident with declared income >= 10 lacs with CIBIL score >= 650 (salaried) and >= 700 (self-employed) with no disclosed medical condition

⁴InstaClaim TM is available for all versions of (UIN:104N118V04). Mandatory Documents : • Original policy document • Original/attested copy of death certificate issued by local municipal authority • Death claim application form (Form A) • NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook along with nominees photo identity proof • Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/viscera report (in case of accidental death)

^##

Tax conditions :

Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime ~# Save 54,600 on taxes if the insurance premium amount is Rs.1.5 lakh per annum for life cover and 25,000 for critical illness cover and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime.

³The discount is applicable if you are a salaried employee with a corporate. During policy issuance, Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

CI Rider disclaimers:

MAX LIFE CRITICAL ILLNESS AND DISABILITY RIDER (UIN- 104B033V01) available as a rider on payment of additional premium.

^>Extended cover of up to 85 years is available with gold and platinum variant only

@ 64 critical illnesses covered in platinum and platinum plus variant on payment

22 critical illnesses covered in gold and gold plus variant

6 The life insurer is eligible for a discount on renewal premium under regular pay variant by accumulating Healthy Weeks as per terms and conditions of the rider

*^Total premiums paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies and modal extra. Return of premium option is available on payment of additional premium.

~ C onditions for premium break : Available at an additional premium for policies with policy term greater than 30 years and premium payment term greater than 21 years. Option to skip paying premium for 12 months. 2 premium breaks will be available during the premium payment term separated by an interval of at least 10 years

~1 Conditions for Special exit value:

Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of Premium variant is not chosen. No additional premium to be paid.

~2 Voluntary Top-up Sum assured:

Option to double your insurance cover, basis underwriting, at the time of your need by increasing your sum assured up to an additional 100% of base sum assured, chosen at inception

^^*^^Free look period conditions:

The policyholder has a period of 30 days from the date of receipt of the policy document, to review the terms and conditions of the Policy, where if the policyholder disagrees to any of those terms or conditions, he / she has the option to return the Policy stating the reasons for his objections. The policyholder shall be entitled to a refund of the premiums paid, subject only to deduction of a proportionate risk premium for the period of cover and the expenses incurred by the company on medical examination of the lives insured and stamp duty charges.

^Individual Death Claim Paid Ratio as per audited financials for FY 2022-2023

⁸https://www.moneycontrol.com/news/business/economy/buy-term-insurance-now-as-rates-may-rise-from-april-1-4930921.html

²Total premium will be charged at the time of the policy issuance (subject to underwriting’s decision).

³The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid

⁴Tax benefits as per prevailing tax laws, subject to change

Terms and conditions for availing 5% employee discount:

^<Due to system constraints, employee is requested to select 5 Lakh and above income which can be changed to actual amount on the information page.

¹The 5% employee discount will be refunded to you once your policy is issued. Submit your documents for getting your policy issued and get 5% employee discount

₉

The percentage savings is for a regular pay Max Life Smart Secure Plus Plan ( A Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan, UIN - 104N118V07)– Life Option for 1 cr life cover for a 35 year old, non-smoker male for a policy term of 40 years vs a 10 year policy term with the same details’

^~*Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN:104N118V07)

^**Healthy non-smoking male, 24 years, 2 cr cover,25 years policy term,25 year premium payment term, exclusive of GST for Max Life Smart Secure Plus Plan (UIN:104N118V07)

~~Healthy non-smoking male, 24 years, 1 cr cover,25 years policy term,25 year premium payment term, exclusive of GST for Max Life Smart Secure Plus Plan (UIN:104N118V07)

Max Life Smart Wealth Plan| A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan| ^@Rs.9,68,800/- as lump sum at the end of 15 years, for 35 years old healthy male.

ARN - ARN/Web/01/21042021

Past performance of the investment funds do not indicate the future performance of the same. Investors in the Scheme are not being offered any guaranteed / assured returns.The premiums & funds are subject to certain charges related to the fund or to the premium paid.

The premium shall be adjusted on the due date even if it has been received in advance.

For Total Installment Premium -**Total Installment Premium is the Premium payable as per premium paying frequency chosen, it excludes GST and applicable taxes, cesses or levies, if any; and includes loadings for modal premiums, Underwriting Extra Premium and Rider Premiums if any.

For Return of Premium -^~The Return of Premium Option is available on payment of Additional Premium. Premium does not include amount paid for riders and is excluding taxes, cesses and levies. Upon Policyholder's selection of Return of Premium variant this product shall be a Non-Linked Non-Participating Individual Life Insurance Savings Plan.

For Riders -^#Applicable Rider available on the payment of Additional Premium is Max Life Critical Illness and Disability Rider | Non-Linked Non-Participating Individual Pure Risk Premium Health Insurance Rider |UIN: 104B033V01 . Critical Illness and Disability Rider variant opted is Platinum Plus which covers 64 critical Illnesses. The rider cover will only be paid in scenarios where customer is diagnosed with listed 64 critical illnesses or total and permanent disability. Rider will terminate after major critical illness claim is paid to the policyholder. In case customer requests for cancellation of rider only, the solution as a whole will be cancelled and not just the individual rider.

For Additional Benefits -^##On Payment of Additional Premium. The accident cover will only be paid in scenarios where death occurs due to accident.

*~Disclaimer | Max Life Smart Secure Plus Plan. A non-linked non-participating individual pure risk premium life insurance plan |Benefit available with special exit value -Total premium paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies & modal extra. The premium calculated as per Standard premium for 30 year old healthy male, non-smoker, 40 years policy term, 40 years premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan.

₆

Applicable for Titanium variant of Max Life Smart Fixed-return Digital plan (Premium payment of 5 years and Policy term of 10 years) and a healthy male of 18 years paying Rs. 20,000/- per month (exclusive of all applicable taxes) with 7.50% return. Life Insurance is available with this product.

_##

Policy continuance benefit is not available with lifelong wealth variant. **The accrued income will be accumulated on an annual basis at the prevailing reverse repo rate (publish on RBI’s website).

With “Save the date”, you can choose to take your annual income to any special date in a year.

***Available with early wealth variant. Income benefit will be paid as per selected plan terms.

Accidental death benefit is available in call variants except for Single premium variant. Life insurance coverage is available in this product.

_#~

Term Insurance plan bought online directly from Max Life Insurance has no commissions involved.

_~1

Max Life Smart Secure Plus Plan, A non-linked non-participating Individual Pure Risk Premium Life Insurance Plan| Standard Premium for 30 year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan| ~1 Conditions for special exit value: Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of premium variant is not chosen. No additional premium to be paid. Option to receive all premiums back (exclusive of GST). Flexibility of exiting the plan early. Special Exit Value cover applicable till age 68 & above (of your age). T&C Apply.

⁶

_**

Max Life Critical illness and Disability (UIN- 104B033V01) available as a rider on payment of additional premium. 64 critical illnesses covered in platinum and platinum plus variant on payment.

Available on Payment of Additional Premium. The accident cover will only be paid in scenarios where death occurs due to accident.

⁷Available with Max Life Smart Wealth Plan (UIN: 104N116V11)

⁸Available with Max Life Smart Fixed-return Digital Plan (UIN:104N123V04). The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid.

**Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN:104N118V07) with a life cover of Rs. 50 lakh.

^~~Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Max Life Smart Total Elite Protection Plan (UIN:104N125V02) with a life cover of Rs. 2 Cr.

**Our Life insurance policies cover COVID-19 life claims under life insurance claims, are subject to applicable terms and conditions of the policy contract and extant regulatory framework.

Disclaimer~*Standard premium for 24-year old healthy female,non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN:104N118V07)

~^Disclaimer: 5 year return (CAGR – Compound Annualised Growth Rate) from Max Life High Growth Fund (ULIF01311/02/08LIFEHIGHGR104) as on 31/05/2023| ²Nifty Midcap Free Float 100% (5-year return) | For more details on risk factors, terms and conditions and products offered.

^~The assumed rates of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back. The value of your policy depends on a number of factors including future investment performance. The amount shown is for a 30-year-old healthy male, with 10 years premium payment term, and 35 years policy term with Max Life Online Saving Plan (Unit Linked Non Participating Individual Life Insurance Plan | Life Insurance is available in this product).

**Disclaimer | Max Life Smart Secure Plus Plan. A Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan. | **Standard Premium for 24 Year Old Healthy Female, Non-smoker, 25 Years Policy Term, 25 Year Premium Payment Term (exclusive of GST) for Max Life Smart Secure Plus Plan. | For Male, the Total premium to be paid in 25 years is Rs.2.09 lakhs (exclusive of GST). ~As compared to the similar modal points of Male, Female has to pay Rs.13,800 lesser premium than male for the entire policy term (exclusive of GST).

~3Disclaimer: A 35 year old female opting for a life cover of Rs. 1 Cr till the age of 75 years pays Rs. 3,319 monthly for 10 years while a 35 year old male will pay Rs. 4,168 monthly for 10 years

⁷Disclaimer: Rs. 1,00,29,587 after 14 years at policy maturity on monthly investment of Rs. 16,600 for 12 years for 30 year old male with Max Life Smart Wealth Plan – Long Term Variant. A non-linked non-participating individual life insurance savings plan. The guaranteed benefits are applicable only if all due premiums are paid. Total premiums paid is exclusive of GST. Life Insurance is available in this product. ARN: WP/SWP/250723.

Disclaimer: ^~10 year CAGR of Nifty SmallCap 250 Quality50 index as on 24/07/2023. Max Life Nifty Smallcap Quality Index Fund is passively managed Index fund that tracks the Nifty SmallCap 250 Quality50 index (subject to tracking error).

[12:27 PM] Abhishek Chakravarti (Gurugram Digital Center - Ecommerce)

Disclaimer: *6 Check the Total Premium amount against the respective monthly premium values in the below table.

Age of Male Applicant	Premium Amount for Rs. 75 lakh Term Plan		Premium Amount for Rs. 1 crore Term Plan		Premium Amount for Rs. 1.5 crore Term Plan		Premium Amount for Rs. 2 crore Term Plan
Age of Male Applicant	Smoker	Non-Smoker	Smoker	Non-Smoker	Smoker	Non-Smoker	Smoker	Non-Smoker
18 Years (PPT: 67 years)	1478/Month Total Premium payable: 11.88 lakh	923/Month Total Premium payable: 7.42 lakh	1521/Month Total Premium payable: 12.23 lakh	951/Month Total Premium payable: 7.65 lakh	2283/Month Total Premium payable: 18.35 lakh	1426/Month Total Premium payable: 11.46 lakh	2801/Month Total Premium payable: 22.52 lakh	1751/Month Total Premium payable: 14.08 lakh
25 Years (PPT: 60 years)	1848/Month Total Premium payable: 13.31 lakh	1155/Month Total Premium payable: 8.31 lakh	2083/Month Total Premium payable: 14.99 lakh	1302/Month Total Premium payable: 9.37 lakh	3125/Month Total Premium payable: 22.50 lakh	1953/Month Total Premium payable: 14.10 lakh	3778/Month Total Premium payable: 27.20 lakh	2361/Month Total Premium payable: 17.00 lakh
35 Years (PPT: 55 years)	2856/Month Total Premium payable:	1795/Month Total Premium payable:	3643/Month Total Premium payable: 21.86 lakh	2277/Month Total Premium payable: 13.66 lakh	5464/Month Total Premium payable: 32.79 lakh	3142/Month Total Premium payable: 18.85 lakh	6228/Month Total Premium payable: 37.37 lakh	3893/Month Total Premium payable: 28.02 lakh
45 Years (PPT: 40 years)	5130/Month Total Premium payable: 24.62 lakh	3206/Month Total Premium payable: 15.38 lakh	4818/Month Total Premium payable: 26.02 lakh	3011/Month Total Premium payable: 16.26 lakh	7227/Month Total Premium payable: 34.69 lakh	4517/Month Total Premium payable: 21.68 lakh	7873/Month Total Premium payable: 42.51 lakh	4920/Month Total Premium payable: 26.57 lakh
55 Years (PPT: 30 years)	9719/Month Total Premium payable: 34.99 lakh	6074/Month Total Premium payable: 21.87 lakh	13,912/Month Total Premium payable: 50.09 lakh	8,695/Month Total Premium payable: 31.30 lakh	20,869/Month Total Premium payable: 75.13 lakh	13,043/Month Total Premium payable: 46.96 lakh	27,400/Month Total Premium payable: 98.64 lakh	17,126/Month Total Premium payable: 61.65 lakh
60 Years (PPT: 20 years)	13299/Month Total Premium payable: 31.92 lakh	8312/Month Total Premium payable: 19.95 lakh	20,249/Month Total Premium payable: 60.75 lakh	12,655/Month Total Premium payable: 37.97 lakh	30,373/Month Total Premium payable: 91.12 lakh	18,983/Month Total Premium payable: 68.34 lakh	39,476/Month Total Premium payable: 118.43 lakh	24,672/Month Total Premium payable: 74.02 lakh

Age of Female Applicant	Premium Amount for Rs. 75 lakh Term Plan		Premium Amount for Rs. 1 crore Term Plan		Premium Amount for Rs. 1.5 crore Term Plan		Premium Amount for Rs. 2 crore Term Plan
Age of Female Applicant	Smoker	Non-Smoker	Smoker	Non-Smoker	Smoker	Non-Smoker	Smoker	Non-Smoker
18 Years (PPT: 67 years)	1265/Month Total Premium payable: 10.27 lakh	791/Month Total Premium payable: 6.42 lakh	1521/Month Total Premium payable: 12.23 lakh	951/Month Total Premium payable: 7.65 lakh	2282/Month Total Premium payable: 18.35 lakh	1426/Month Total Premium payable: 11.47 lakh	2801/Month Total Premium payable: 22.52 lakh	1751/Month Total Premium payable: 14.08 lakh
25 Years (PPT: 60 years)	1598/Month Total Premium payable: 11.51 lakh	999/Month Total Premium payable: 7.19 lakh	1769/Month Total Premium payable: 12.74 lakh	1102/Month Total Premium payable: 7.94 lakh	2653/Month Total Premium payable: 19.10 lakh	1658/Month Total Premium payable: 11.94 lakh	3112/Month Total Premium payable: 22.41 lakh	1945/Month Total Premium payable: 14.01 lakh
35 Years (PPT: 55 years)	2345/Month Total Premium payable: 15.48 lakh	1466/Month Total Premium payable: 9.68 lakh	2946/Month Total Premium payable: 17.67 lakh	1841/Month Total Premium payable: 11.05 lakh	4419/Month Total Premium payable: 26.51 lakh	2762/Month Total Premium payable: 16.57 lakh	5028/Month Total Premium payable: 30.17 lakh	3142/Month Total Premium payable: 18.85 lakh
45 Years (PPT: 40 years)	4284/Month Total Premium payable: 20.56 lakh	2678/Month Total Premium payable: 12.85 lakh	3909/Month Total Premium payable: 21.11 lakh	2443/Month Total Premium payable: 13.19 lakh	5864/Month Total Premium payable: 31.67 lakh	3665/Month Total Premium payable: 19.79 lakh	6588/Month Total Premium payable: 35.58 lakh	4118/Month Total Premium payable: 22.24 lakh
55 Years (PPT: 30 years)	7434/Month Total Premium payable: 26.76 lakh	4646/Month Total Premium payable: 16.73 lakh	10,245/Month Total Premium payable: 36.88 lakh	6,403/Month Total Premium payable: 23.05 lakh	15,368/Month Total Premium payable: 55.32 lakh	9605/Month Total Premium payable: 34.58 lakh	20,296/Month Total Premium payable: 73.07 lakh	12,685/Month Total Premium payable: 45.67 lakh
60 Years (PPT: 20 years)	9983/Month Total Premium payable: 23.96 lakh	6240/Month Total Premium payable: 14.98 lakh	15,035/Month Total Premium payable: 45.11 lakh	14,096/Month Total Premium payable: 28.19 lakh	22,553/Month Total Premium payable: 67.66 lakh	14,096/Month Total Premium payable: 42.29 lakh	29,266/Month Total Premium payable: 87.80 Lakh	18,291/Month Total Premium payable: 54.87 lakh

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