Let’s consider different cases showing different premium rates and benefits (excluding levies and taxes) for a healthy male.

Bonus Option: Paid-up additions; no cash value of Paid-Up Additions has been withdrawn

Survival/Living Benefit: After successful completion of premium payment terms, below are the accrued benefits during his retirement years starting from the age of 61 years.

#This includes Guaranteed Maturity Sum Assured along with non-guaranteed Accrued Paid Up Additions (if any) & Terminal Bonus (if any). Please note that the above-assumed rates of return, 4% and 8% are only scenarios at these rates after recovering all applicable charges. These are not guaranteed, and they are not the upper or lower limits of returns of the Fund Options elected in your policy, as the performance of the Funds is dependent on a number of factors including future investment performance. All applicable taxes, cesses, and levies as imposed by the Government will be deducted from the premium received. The actual experience on the contract may be different from the illustrated one. The guaranteed and non-guaranteed benefits are applicable only if all due premiums are paid. The premiums mentioned above are exclusive of all applicable taxes, cesses, and levies as imposed by the Government. Please note that the Bonuses are NOT guaranteed and may be as declared by the Company from time to time.

Death Benefit: In case of death, this plan offers an increasing death benefit option which keeps growing through the bonus option of paid-up additions. Refer to the below table to know the value of the death benefit at different ages.

^#Kindly note that the above are only illustrations and do not create any rights and obligations. The assumed non-guaranteed rates of return chosen in the above illustration are 4% and 8%. These assumed rates of return are not guaranteed. They are also not the actual upper or lower limits of what you might get as the value of your policy is dependent on a number of factors including future investment performance. The actual experience on the contract may be different from the illustrated one. The guaranteed and non-guaranteed benefits are applicable only if all due premiums are paid. The premiums mentioned above are exclusive of all applicable taxes, cesses, and levies as imposed by the Government. Please note that the Bonuses are NOT guaranteed and may be as declared by the Company from time to time.

#BOY - Beginning of Year

Note - For the example listed above, the Cash Value, Death Benefit, and Maturity Benefit will reduce if the customer withdraws money from the policy (by surrendering the Cash Value of PUA) anytime during the Policy Term.

Annualised Premium

   Guaranteed Sum Assured