LICs

LIC's NEW JEEVAN ANAND (WITH PROFITS)

EbAmBgr H$m `y OrdZ AmZX (bm^ g{hV)

nR>mH$Z hoVw WmZ

SPACE FOR ENDORSEMENT

New

JEEVAN
ANAND

(UIN: 512N279V01)

(OrdZ ~r_m {ZJ_ A{Y{Z`_, 1956 mam gWm{nV)/(Established by the Life Insurance Corporation Act, 1956)
PLAN NO: 815
^maVr` OrdZ ~r_m {ZJ_ H$mo ({Ogo BgHo$ ~mX {ZJ_ H$hm Om`oJm) `hm ZrMo gX{^V AZwgyMr _| C{ {IV ~r{_V `p V go EH$ Vmd VWm KmofUm Ama W_ r{_`_ H$s m{ hmoZo na Ama C V Vmd
VWm KmofUm Ama Cg_| {X`o J`o Ama gX{^V {ddaU Bg ~r_m nm{bgr Ho$ AmYma na C V VmdH$ Ama {ZJ_ mam Cgo drH$ma {H$`o OmZo na Bg AZwgyMr _o {ZYm[aV ~mX Ho$ r{_`_m| na {dMma H$aVo h`o
Ama CZH$s C{MV m{ {ZJ_ Ho$ Cg emIm H$m`mb` na {hVbm^ H$m {~Zm `mO Ho$ ^wJVmZ H$aZo Ho$ {b`o `hm `h Cg `p V `m `p V`m| H$mo `h nm{bgr Xr OmVr h, {Oho C V AZwgyMr Ho$ AZwgma `h
Xo` hmoJr, bo{H$Z BZ bm^m| Ho$ g~Y _o {ZJ_ H$s gVw{> Ho$ {b`o Bg ~mV H$m _mU VwV H$aZo na {H$ AZwgyMr _o {ZYm[aV aH$_ Ho$ Xo` hmoZo na Cg `p V `m `p V`m| H$mo hH$ H$m, Omo ^wJVmZ H$m Xmdm H$a
ahm hmo/aho hm|, H$s Vmd _o Cpb{IV ~r{_V `p V H$s Am`w H$s g`Vm Ho$ ~mao _o Xo` hmoJm, `{X dh nhbo Zht {X`m J`m hmo.
Ama EVXmam `h Kmo[fV {H$`m OmVm h`h nm{bgr BgHo$ n> ^mJ na A{H$V eVm] Ama gw{dYmAm| Ho$ AmYrZ hmoJr VWm Cn`w V AZwgyMr d {ZJ_ mam A{H$V `oH$ n>mH$Z nm{bgr Ho$ AJ _mZo Om`|J|.
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 as set out in schedule
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 the Schedule, 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 Conditions and Privileges 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.
AZwgy{M/SCHEDULE
_S>b H$m`mb`/DIVISIONAL OFFICE
emIm H$m`mb`/BRANCH OFFICE

nm{bgr g`m/Policy No.:

_yb ~r_mH$V am{e `

Basic Sum Assured `

_yb `moOZm Ho$ {b`o r{_`_ {H$V

(`)/Instalment Premium
for Basic Plan `

r{_`_ Xo` {V{W:

Due date of premium:

r{_`_ ^wJVmZ H$s {d{Y:

nm{bgr ma^ H$s {V{W/Date of

Mode of payment of premium:

Commencement of policy:

A{V_ r{_`_ H$s Xo` {V{W:

Due Date of Payment of Last premium for:

Omo{I_ H$s {V{W/Date of

Commencement of Risk:

XKQ>Zm {hVbm^ ~r_m YZ

(`)/Accident Benefit
Sum Assured `

EbAmBgr H$m XKQ>Zmde _`w

EdAnJVm bm^ amBS>a {H$V
r{_`_ `/LIC's Accidental
Death and Disability
Benefit Rider Instalment
premium `

`moOZm Ed_ Ad{Y:

Plan and Policy Term:

i) _yb `moOZm:
Basic Plan:
ii) EbAmBgr H$m XKQ>Zmde _`w Ed AnJVm bm^ amBS>a:
LIC's Accidental Death and Disability Benefit Rider:

~r{_V `p V H$s O_ {V{W:

Date of birth of the Life Assured:

nyUmd{Y H$s {V{W:

Hw$b r{_`_ {H$V (`)/Total

Date of Maturity:

Instalment premium `

~r{_V `p V H$s Am`w:

Age of the Life Assured:

`m Am`w drH$V h?
Whether age Admitted?

~r_m A{Y{Z`_, 1938 H$s Ymam 39 H$o AVJV Zm{_V/Nominee under section 39 of the InsuranceAct, 1938:

Vmd g`m:
Proposal No.:

AJa Zm{_V Ad`H$ hmo, Vmo {Z`w$ `{$ H$m Zm_/If Nominee is a minor, the name of the Appointee:

Vmd H$s {V{W:

Date of the Proposal:

bm^ {MU gX^H$.:

Benefit Illustration Reference No.:

VmdH$ H$m Zm_ Ama nVm/Name & Address of the Proposer:

~r{_V `{$ H$m Zm_ Ama nVm/Name & Address of the Life Assured:

do KQ>ZmE {OZHo$ hmoZo na bm^ Xo` h: BgHo$ {ddaU nrN>o H$s Amoa {XE JE h./Events on the happening of which benefits
~r_m YZ {H$gH$mo {_boJm/
{Q>nUr `{X AmnH$mo H$moB{eH$m`V/naoemZr hmo Vmo Amn {eH$m`V {ZamH$aU A{YH$mar/bmoH$nmb go gnH$ H$a gH$Vo h{OZH$m nVm ZrMo {X`m Om ahm h
NOTE: In case you have any complaint/grievance, you may approach Grievance Redressal Officer/Insurance Ombudsman whose address is as under:

emIm H$m`mb` H$m nVm

{eH$m`V {ZamH$aU A{YH$mar H$m nVm

Address of Branch

Address of Grievance Redressal Officer

bmoH$nmb H$m nVm

Address of Ombudsman

are payable: Details are mentioned overleaf.

VmdH$ `m ~r{_V `{$ `m ~r_m A{Y{Z`_ 1938 Ho$ AZwN>oX 38 Ho$ AVJV CgHo$ g_ZwXo{e{V `m ~r_m A{Y{Z`_ 1938 Ho$ AZwN>oX 39 Ho$
AVJV CgHo$ Zm{_{V`m| `m CZ m_m{UH$ ~YH$m| `m emgH$m| `m A` {d{YH$ {V{Z{Y`m| H$mo {X`m OmEJm, {Oh| CgH$s gnXm `m Ho$db Bg nm{bgr
Ho$ AVJV Xo` am{e Ho$ {bE ^maV gK Ho$ {H$gr am` `m jo Ho$ {H$gr `m`mb` go AnZo {V{Z{Y hmoZo H$m _mU-n m hmoJm.

To whom Sum Assured payable The Proposer or 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.

r{_`_ MwH$mZo H$s Ad{Y/Period

during which premium payable
r{_`_ ^wJVmZ H$aZo H$s {V{W/Dates
when premium payable

[ZYm[aV A{V_ {H$V ^wJVmZ H$s {V{W VH$ `m BgHo$ nyd~r{_V `p V H$s _`w hmoZo na.
Till the stipulated due date of the payment of last premium or earlier death of the Life Assured.

_| nyd{ZYm[aV A{V_ VmarI/On the stipulated due date in _____________________

{deof mdYmZ: {ddaU AJbo nR> na {X`m J`m h/Special Provisions: Details are mentioned overleaf.
{ZJ_ H$s Amoa go Cn`w V emIm H$m`mb` _o hVmj[aV {OgH$m nVm A{V_ n> na {X`m J`m hAma {Og nVo na nm{bgr Ho$ g~Y _| g^r nMma {H$`m OmZm 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:

{Q>nUr BZ {Z~YZm| VWm eVm}o Ama {deof mdYmZm|/eVm] H$s `m`m Ho$ g~Y _| H$moB{ddmX hmoZo na AJoOr ^m` {d{Y_m` hmoJm&
NOTE: In case of dispute in respect of interpretation of these terms and conditions and special provisions/conditions the English version shall stand valid.

Amngo AZwamoY h {H$ Bg nm{bgr H$s OmM H$a b| Ama `{X H$moB JbVr {XImB Xo Vmo gwYmaZo Ho$ {bE Bgo VwaV bmQ>m X|.
You are requested to examine this policy, and if any mistake be found therein, return it immediately for correction.

AmB Ama S>r E nOrH$aU g`m 512

IRDA Regn. No.: 512

Size : 12(H) x 7.5(W) inch

{V{W/Date:
OmM H$Vm/Examined by:
n H$./Form No.:

EO|gr H$moS>/Agency Code EO|gr H$m Zm_/Agency Name

H$Vo _wI/d[a>/emIm ~YH$

p.Chief/Sr./ Branch Manager:

EO|Q> H$m _mo~mBb/Q>o{b\$moZ Z~a

Mobile Number / Landline Number

do KQ>ZmE {OZHo$ hmoZo na bm^ Xo` h/Events on the happening of which benefits are payable :
KQ>ZmE/Events
Xo` bm^/Benefits Payable
H${WV nm{bgr Ad{Y H$s g_m{ go nhbo ~r{_V `{$ H$s _`w hmoZo na, _`w bm^, {Ogo ""_`w na ~r_mH$V am{e'' Ama {Z{hV `md{VV ~moZgm| EdA{V_ A{V[a$ ~moZgm| Ho$ $n _|, `{X H$moBhmo,
~eV}nm{bgr AVZ r{_`_ Ho$ ^wJVmZ mam nyU$n go Mmby hmo.
n[a^m{fV {H$`m J`m h, Xo` hmoJm. Ohm ""_`w na ~r_mH$V am{e'' _yb ~r_mH$V am{e Ho$ 125% `m dm{fH$sH$V r{_`_ Ho$
10 JwZm _| A{YH$ Ho$ $n _| n[a^m{fV h. `h _`w bm^ _`w H$s {V{W na ^wJVmZ H$s JBg^r r{_`_m| Ho$ 105% go H$_
Zht hmoJm. Ohm r{_`_|, Cnamo$ r{_`_m| _| H$a, A{V[a$ r{_`_ Ama amBS>a r{_`_, `{X H$moBhmo, em{_b Zht h.
On death of the Life Assured before the end of
stipulated Policy Term, provided the policy is in full
force by paying upto-date premiums.

Death benefit, defined as sum of Sum Assured on Death and vested Simple Reversionary
Bonuses and Final Additional bonus, if any, shall be payable. Where, Sum Assured on Death
is defined as higher of 125% of Basic Sum Assured or 10 times of annualised premium. This
death benefit shall not be less than 105% of all the premiums paid as on date of death. The
premiums mentioned above exclude tax, extra premium and rider premiums, if any.

H${WV nm{bgr Ad{Y H$s g_m{ Ho$ ~mX ~r{_V `{$ H$s _`w hmoZo na, _yb ~r_mH$V am{e Xo` hmoJr.
~eV}nm{bgr nyU$n go Mmby hmo.
On death of the Life Assured after the end of the
stipulated Policy Term, provided the policy is in full force.

Basic Sum Assured along with vested simple reversionary bonuses and Final Additional
bonus, if any, shall be payable.

{deof mdYmZ
EbAmBg
r H$s XKQ>Zmde _`w Ed AnJVm {hVbm^ gawjm (UIN: 512B209V01): `{X
EbAmBg
r H$s XKQ>Zmde _`w EdAnJVm {hVbm^ gawjm H$m {dH$n MZwm J`m hAma dh Mmby h:
"eV] Edg{wdYmE' H$s eVg. 11 XKQ>Zm {hVbm^ ~r_m am{e H$o ~am~a am{e H$o {bE bmJy hmJor.
`{X EbAmBg
r H$s XKQ>Zmde _`w Ed AnJVm {hVbm^ gawjm H$m {dH$n Zht {b`m J`m h:
"eV] Edg{wdYmE' H$s eVg. 11 bmJy Zht hmJor.

Special Provisions:
LIC's Accidental Death and Disability Benefit Rider (UIN: 512B209V01):
If LIC's Accidental Death and Disability Benefit rider is opted for and the
same is inforce: Condition No.11 of Conditions and Privileges shall apply for
an amount equal to the Accident Benefit Sum Assured. If LIC's Accidental
Death and Disability Benefit rider is not opted for: Condition No.11 of
Conditions and Privileges shall not apply.

Bg nm{bgr _o Xr JB eV] d gw{dYm`|

CONDITIONS AND PRIVILEGES WITHIN REFERRED TO

1. Am`w _mU : Vmd n na Kmo{fV H$s JB~r{_V `p V H$s Am`w na r{_`_ H$s JUZm

1. Proof of Age: The premiums having been calculated on the age of the
Life Assured as declared in the Proposal, in case the age is found
higher than such age, without prejudice to the Corporation's other
rights and remedies, including those under the Insurance Act, 1938,
the premiums shall be payable in such case at the rate calculated on
the Basic Sum Assured for the correct age at entry, and the
accumulated difference between the premiums for the correct age
and the original premiums, from the commencement of the Policy
upto the date of such payment shall be paid to the Corporation with
interest at such rate as fixed by the Corporation from time to time,
however, that in case the Life Assured/Proposer continues to pay the
premiums at the rates shown herein, and also does not pay the above
mentioned accumulated debt, the accumulated difference between
the premiums for the correct age and the original premiums from the
commencement of this Policy up to the date on which the Policy
becomes a claim, with interest on each instalment of such difference
at such rate as may be prevailing at the time of claim, shall accrue and
be treated as a debt due by the Life Assured / Proposer against the
said Policy and shall be deducted from the Policy moneys payable on
the Policy becoming a claim.

hmo OmZo Ho$ CnamV `{X Am`w Cg Am`w go A{YH$ nmBOmVr hVmo ~r_m A{Y{Z`_ 1938
Ho$ AVJV CnbY A{YH$mam| Ama CnMmam| na H$moB{VHy$b ^md S>mbo {~Zm, Eogo _m_bo
_|, r{_`_ doe Ho$ g_` ghr Am`w Ho$ AmYma na {ZH$mbr JB Xa go Xo` hmoJm Ama
nm{bgr Ama^ hmoZo go boH$a Eogo ^wJVmZ H$s {V{W VH$ _yb r{_`_ Ama ghr Am`w Ho$
r{_`_ Ho$ ~rM Ho$ AVa H$s g{MV am{e Ama Cg na Cgr Ad{Y Ho$ {b`o {ZJ_ mam Cg
g_` M{bV Xa go `mO g{hV ^wJVmZ H$aoJm, VWm{n mdYmZ h{H$ `{X ~r{_V `p V
Bg_| Cpb{IV r{_`_ H$s Xa go ^wJVmZ H$aVm aho Ama Cn`w V g{MV F$U am{e H$m
^wJVmZ Z H$ao Vmo nm{bgr ma^ hmoZo H$s {V{W go nm{bgr Ho$ Xmdm ~ZZo H$s {V{W VH$
ghr Am`w Ho$ r{_`_ Ama _yb r{_`_ Ho$ ~rM Ho$ AVa H$s g{MV am{e Ama Eogo AVa H$s
`oH$ {H$V na Xmdo Ho$ g_` M{bV Xa go `mO Ho$ gmW Xo` hmoJr, Cgo nm{bgr na
~r{_V `p V mam Xo` F$U _mZm Om`oJm VWm nm{bgr Ho$ AVJV Xmdm hmoZo na nm{bgr
H$s YZam{e go H$mQ> {b`m Om`oJm.
`h ^r mdYmZ h{H$ doe Ho$ g_` ~r{_V `{$ H$s ghr Am`w Omo C$ Vm{bH$m _| {Z{X>
~r_m dJ`m eVm] Ho$ AYrZ ~r_m Ho$ {bE Cgo A`mo` ~Zm Xo Vmo Cgo Bg nm{bgr Ho$ ma^ _|
M{bV Wm Ho$ AZwgma {ZJ_ mam XmZ {H$E OmZo dmbo Eogo ~r_m H$s `moOZm go ~r_m dJ
`m ghVm] H$mo n[ad{VV H$a {X`m OmEJm, ~eV}{H$ ~r{_V `{$ H$mo drH$ma hmo, A`Wm
nm{bgr {ZaV hmo OmEJr Ama Eogo {ZaVrH$aU H$s {V{W na Omo ^r A`nU _y` hmoJm,
CgH$m ^wJVmZ {H$`m OmEJm.

13. Xmdo Ho$ {bE gm_m` AnojmE: nm{bgrYmaH$ H$s _`w hmoZo na XmdoXma mam Xmdm VwV
H$aVo g_` Xo` gmYmaU XVmdoOm| _| Xmdm \$m_, _yb nm{bgr XVmdoO, dm{_d H$m
_mU, _`w H$m _mU, XKQ>Zm/AnJVm H$m _mU, _`w go nyd H$m dH$s` CnMma,
{Z`mo Vm H$m _mUn, BZ_| go Omo bmJy hmo, {ZJ_ H$mo gVmofX $n _| noe H$aZm hmoJm.
AJa nm{bgr Ho$ AVJV Am`w drH$V Zht H$s JBh, Vmo ~r{_V `p V H$s Am`w H$m _mU
^r VwV H$aZm hmoJm.

Basic Sum Assured shall be payable.

nm{bgr Ad{Y H$s g_m{ na (`mZr n[an dVm na) OrdZ ~r{_V `{$ {Z{hV gab `md{VV ~moZgm| EdA{V_ A{V[a$ ~moZg, `{X H$moBhmo, Ho$ gmW _yb ~r_mH$V am{e Xo` hmoJr.
Ho$ {d_mZ ahZo na, ~eV}nm{bgr AVZ r{_`_ Ho$ ^wJVmZ mam nyU
$n go Mmby hmo.
On Life Assured surviving at the end of the Policy
Term (i.e. on maturity), provided the policy is in full
force by paying upto-date premiums.

Ho$ {bE ~H$m`m hmo OmE, ~eV} nm{bgr Hw$N> `yZV_ Ad{Y Ho$ {bE ^mderb aho.
A{V_ (A{V[a$) ~moZg H$_ H$s JBMwH$Vm nm{b{g`m| Ho$ AVJV Xo` Zht hmoJm.

Provided further that if the Life Assured's correct age at entry is such
as would have made him/her uninsurable under the class or terms of
assurance specified in the said Schedule hereto, the class or terms
shall stand altered to such Plan of Assurance as are granted by the
Corporation according to the practice in force at the commencement
of this policy subject to the consent of the Policyholder, otherwise the
policy will be cancelled and the surrender value will be paid as on the
date of such cancellation.

certain minimum term.

Final (Additional) Bonus shall not be payable under reduced paid-up
policies.
13. Normal requirements for a claim: The normal documents which the
claimant shall submit while lodging the claim in case of death of the
Life Assured shall be claim forms, as prescribed by the Corporation,
accompanied with original policy document, NEFT mandate from the
claimant for direct credit of the claim amount to the bank account,
proof of title, proof of death, proof of accident/disability, medical
treatment prior to the death; employer's certificate, whichever is
applicable, to the satisfaction of the Corporation. If the age is not
admitted under the policy, the proof of age of the Life assured shall
also be submitted.

Ohm nm{bgr nyUmd{Y Xmdo _| n[ad{VV hmoVr h`m nm{bgr Ho$ A`nU H$s Xem _|, ~r{_V
`{$ mam Am`w _mU-n, AJa Am`w nhbo drH$V Zht hwBh, Ho$ gmW {d_w{$ n Ama
_yb nm{bgr boI, ~H$ ImVo _| Xmdo H$s am{e grYo O_m H$aZo Ho$ {bE XmdmH$VmH$s Amoa
go EZBE\$Q>r AmXoe n VwV {H$`m OmEJm.

Where the policy results into a maturity claim or in case of surrender of

a policy, the Life Assured shall submit the discharge form along with
the original policy document, NEFT mandate from the claimant for
direct credit of the claim amount to the bank account besides proof of
age, if the age is not admitted earlier.

Ohm nm{bgr {H$gr XKQ>Zmde AnJVm/_`w Xmdo _| n[ad{VV hmo, {ZZm{H$V gyMr go
bmJy d$` CZ n[apW{V`m| H$s OmM H$o {bE ~b
w mE Om gH$Vo h, {OZ_| _`/wAnJVm hBh:

Where policy results into a accidental disability/death claim the

applicable statements from the following list may be called to
ascertain circumstances under which death / disability took place:-

1.
2.
3.
4.

5.
6.
7.
8.

W_ gyMZm {VdoXZ (E\$AmBAma) H$s EH$ _m{UV {V.

nw{bg AZwgYmZ {VdoXZ H$s EH$ _m{UV {V.
nMZm_o H$s {V.
_`w Ho$ g^m{dV H$maU H$mo OmZZo Ho$ {bE nmoQ> _mQ>_ [anmoQ>. AJa nmoQ> _mQ>_ _|
AmVm| H$mo ga{jV {H$`m J`m hmo, Vmo CgH$s {df`-dVwAm| H$mo OmZZo Ho$ {bE
amgm`{ZH$ {dbofH$ {VdoXZ, {H$ ~r{_V `{$ Zo eam~, Zerbr XdmAm|,
ZmaH$mo{Q> g `m Oha H$m godZ Vmo Zht {H$`m Wm.
g_mMma n H$s H$VaZ Ohm XKQ>Zm {Vdo{XV hBhmo.
AJa _.`w dmhZ XKQ >Zm Ho$ H$maU hBh, Vmo S>mBqdJ bmBg|g H$s {V, `{X dmhZ
~r{_V `{$ mam Mbm`m Om ahm Wm.
_`w Ho$ ~mao _| g~-{S>{dOZb _{OQ>oQ> H$m A{V_ {ZU` - Bggo _`w H$m
dJuH$aU "dm^m{dH$/Am_h`m/XKQ>Zmde' Ho$ $n _| hmoJm.
AJa XKQ>Zm H$mo nw{bg m{YH$m[a`m| H$mo {Vdo{XV Zht {H$`m J`m h, Ogo Hw$mm `m
gmn H$mQ>Zo go _`w, Vmo dH$pnH$ gm`, Ogo `jXeu gmjr H$m d$`,
Jm_godH$ `m emgH$s` A{YH$m[a`m| H$m enW-n, h_mam AnZm nyN>VmN> {VdoXZ,
BbmO H$aZo dmbo {M{H$gH$ `m AnVmb Ho$ {VdoXZ Am{X n`m hmo gH$Vo h.

9. AnVmb CnMma A{^boI, Am{X.

1) A certified copy of first information report (FIR).

2) A certified copy of police inquest report.
3) Copy of panchanama.
4) Post mortem report to know the probable cause of death. If viscera
is preserved in post mortem, then chemical analyzer report to
know the contents i.e. whether life assured has consumed liquor,
drugs, narcotics or poison.
5) News paper cuttings where accident is reported.
6) If death is due to vehicle accident, then copy of driving licence, if
life assured was driving the vehicle.
7) Sub-divisional magistrate final verdict about death- this will give
classification of death as 'natural/suicide/accidental'
8) When accident is not reported to police authorities, like death due
to dog or snake bite, then alternate proofs such as statement of
eye witness, affidavit of gramsevak or govt. officials, our own
enquiry report, attending physician or hospital reports may be
sufficient.
9) Hospital treatment records, etc.

14. dYm{ZH$ n[adVZ: Bg nm{bgr Ho$ AVJV Xo` r{_`_m| Ama {hVbm^m| g{hV {Z`_
Ama eV] g~{YV H$mZyZm| Ama {d{Z`_m| Ho$ AZwgma n[adVZr` h.

14. Legislative Changes: The Terms and Conditions including the

premiums and benefits payable under this policy are subject to
variation in accordance with the relevant Legislation & Regulations.

15. Hy$qbJ Am\$ Ad{Y: `{X nm{bgrYmaH$ nm{bgr Ho$ ""{Z`_ Ama eVm]'' go gVw> Zht h

15. Cooling-off Period: If the Policyholder is not satisfied with the Terms
and Conditions of the policy, he/she may return the policy to the
Corporation within 15 days from the date of receipt of the policy
stating the reason of objections. On receipt of the same the
Corporation shall cancel the policy and return the amount of premium
deposited after deducting the proportionate risk premium (for basic
plan and Accident and Disability Benefit rider, if any) for the period on
cover and charges for medical examination, special reports, if any
and stamp duty.

Vmo dh nm{bgr m hmoZo H$s {V{W go 15 {XZm| Ho$ AXa Amn{m`m| H$m H$maU ~VmVo h`o
{ZJ_ H$mo nm{bgr bmQ>m gH$Vm h. BgHo$ m hmoZo na {ZJ_ nm{bgr {ZaV H$aHo$, O_m
H$s JB r{_`_ H$s am{e go [aH$ r{_`_ (_wb `moOZm Ama XKQ>Zm {hVbm^ amBS>a
r{_`_ AJa H$moB hmo,) Ed {M{H$gH$s` narjU, {deof {VdoXZm|, `{X H$moB hmo, Ed
Q>n ewH$ Ho$ {bE ewH$m| H$s H$Q>mVr Ho$ ~mX dm{ng H$a XoJm.

2. r{_`_ H$m ^wJVmZ: dm{fH$, AY}dm{fH$ AWdm _m{gH$ r{_`_mo Ho$ ^wJVmZ Ho$ {b`o
[a`m`V Ad{Y EH$ _mh qH$Vw H$_ go H$_ 30 {XZ _m{gH$ r{_`_m| Ho$ {b`o 15 {XZ H$s
[a`m`V Ad{Y Xr Om`oJr. `{X r{_`_ H$m ^wJVmZ [a`m`V Ad{Y g_m hmoZo go nwdZht
{H$`m OmVm hVmo nm{bgr H$mbmVrV hmo Om`oJr.

2. Payment of Premiums: A grace period of one month but not less than
30 days shall be allowed for payment of yearly or half-yearly or
quarterly premiums and 15 days for monthly premiums. If the premium
is not paid before the expiry of the days of grace, the Policy lapses.

16. bm^ {MU: _mZH$ OrdZ nydYmaUm na AmYm[aV AmnH$m AZwHy${bV bm^ {MU Bg
boI Ho$ gmW gb h.

Bg Ad{Y Ho$ XmamZ Ama Cg d V Xo` r{_`_ H$m ^wJVmZ H$aZo go nydhr `{X ~r{_V
`p V H$s _`w hmo OmVr h Vmo ^r nm{bgr dY ahoJr Ama ~r_mYZ H$m ^wJVmZ C V
r{_`_ VWm AJbr dfJmR> Ho$ nyd Xo` hmoZo dmbo AXm r{_`_ H$s H$Q>mVr Ho$ CnamV
{H$`m Om`oJm.

If the death of the Life Assured occurs within the grace period but
before the payment of the premium then due, the policy will still be
valid and the benefits shall be paid after deductions of the said unpaid
premium as also the unpaid premium/s falling due before the next
anniversary of the policy.

`{X nm{bgr H$mbmVrV Zht hmoVr hAma nm{bgr Ho$ VhV _`w H$s Xem _| Xmdm {H$`m J`m
hmoJm Ohm r{_`_ ^wJVmZ H$m VarH$m dm{fH$ Ho$ Abmdm hmoJm, ^wJVmZ Z {H$E JE
r{_`_, AJa Hw$N> hmo Vmo, AJbr nm{bgr dfJmR> Ho$ nhbo AmZodmbr, H$mo Xmdo H$s aH$_ go
H$mQ> {b`m OmEJm.

If the policy has not lapsed and the claim is admitted in case of death
under a Policy where the mode of payment of premium is other than
yearly, unpaid premium, if any, falling due before the next policy
anniversary shall be deducted from the claim amount.

~r_m A{Y{Z`_, 1938 H$s Ymam 45

{H$gr ^r OrdZ ~r_m nm{bgr Ho$ ^mdr hmoZo H$s {V{W Ho$ Xmo df~mX {H$gr ~r_mH$Vmmam Bg
AmYma na Amn{m Zht CR>mBOm gH$Vr {H$ ~r_m hoVw {XE JE Vmd n _| AWdm {M{H$gm
A{YH$mar `m {ZUm`H$ AWdm ~r{_V `p V Ho$ {_ H$s {H$gr [anmoQ> _| AWdm A` {H$gr
XVmdoO _|, {OgHo$ AmYma na nm{bgr Omar hmoVr h, {H$`m J`m H$WZ JbV AWdm Ag` Wm
O~ VH$ {H$ ~r_mH$Vm`h {gX Z H$a| {H$ Eogm H$WZ CZ VmpdH$ {df`m| AWdm {N>nmE JE
V`m| Ho$ ~mao _| Wm {Oh| H$Q> H$aZm Amd`H$ Wm VWm ~r{_V `p V mam Eogm YmoH$mYS>r
H$aZo Ho$ CXXo` go {H$`m J`m Wm VWm Eogm H$aVo g_` nm{bgrYmaH$ H$mo `h kmV Wm {H$
H$WZ AWdm CgZo Eogo VmpdH$ V` {N>nmE h{Oh| H$Q> H$aZm Amd`H$ Wm.

No policy of life insurance shall after the expiry of two years from the date
on which it was effected, be called in question by an insurer on the ground
that a statement made in the proposal for insurance or in any report of a
medical officer, or referee, or friend of the insured, or in any other
document leading to the issue of the policy, was inaccurate or false,
unless the insurer shows that such statement was on a material matter or
suppressed facts which it was material to disclose and that it was
fraudulently made by the policyholder and that the policyholder knew at
the time of making it that the statement was false or that it suppressed
facts which it was material to disclose.

~eV} {H$ Bg Ymam Ho$ mdYmZ ~r_mH$VmH$mo, {H$gr ^r g_` Am`w _mU _mJZo go d{MV Zht
H$aVo, `{X dh Eogm H$aZo H$m nm hmo VWm {H$gr ^r nm{bgr na {g\$ Bg AmYma na {H$ nm{bgr
H$s eVm] H$mo ~r{_V `p V mam Am`w go g~{YV JbV CboI Ho$ AmYma na g_m`mo{OV {H$`m
J`m h, Z{Mh Zht bJm`m Om gH$Vm.

Provided that nothing in this section shall prevent the insurer from calling
for proof of age at any time if he is entitled to do so, and no policy shall be
deemed to be called in question merely because the terms of the policy
are adjusted on subsequent proof that the age of the life assured was
incorrectly stated in the proposal.

(i)
(ii)

Xo` r{_`_ ""Hw$b {H$V r{_`_'' hmoJm {Og_| {ZZ em{_b hmoJm :
_yb `moOZm Ho$ {b`o {H$V r{_`_
AJa EbAmBgr H$s XKQ>Zmde _`w Ed AnJVm bm^ gwajm {dH$n MwZm J`m h, Vmo
EbAmBgr H$s XKQ>Zm EdAnJVm bm^ gwajm Ho$ {bE {H$V r{_`_.

3. ~X nm{b{g`m| H$m nwZ: dVZ: `{X nm{bgr [a`m`V Ad{Y Ho$ ^rVa ~H$m`m r{_`_

Size : 12(H) x 7.5(W) inch

The premium payable will be total instalment premium which includes

(i) Instalment premium for Basic Plan and
(ii) Instalment premium for LIC's Accidental Death and Disability Benefit
Rider, if LIC's Accidental Death and Disability Benefit Rider option has
been exercised.
3. Revival of Discontinued Policies: If the Policy has lapsed due to

16. Benefit illustration: Your customized Benefit Illustration based on

standard life assumption is enclosed to this document.

Section 45 of Insurance Act, 1938:

AVJV {H$gr ^r Xmdo na {dMma Zht {H$`m OmEJm, Xm r{_`_m| Ho$ 80% H$mo N>moS>H$a,
{Og_| H$moB H$a, A{V[a$ r{_`_ Ed amBS>a r{_`_, `{X H$moB h, em{_b Zht h,
~eV}{H$ nm{bgr Mmby AdWm _o hmo.

Corporation will not entertain any claim under this policy except to the
extent of 80% of the premiums paid excluding any taxes, extra
premium and rider premiums, if any, provided the policy is inforce.

`{X ~r{_V `{$ (_mZ{gH$ $n go dW `m AdW) nZwOrdZ H$s {V{W go 12

_mh H$o ^rVa {H$gr ^r g_` Am_h`m H$a bVom hVmo _`w H$s {V{W VH$ Xm r{_`_m|
H$o 80% (H$mBoH$a, A{V[a$ r{_`_ EdamBS>a r{_`_, `{X H$mBoh, H$mo N>mSo>H$a) `m
A`nU _y`, Omo ^r am{e A{YH$ hm,o X`o hmJor, ~eVn}m{bgr Mmby AdWm _o hm.o {ZJ_
mam Bg nm{bgr H$o AVJV {H$gr ^r A` Xmdo na {dMma Zht {H$`m OmEJm.

ii) If the Life Assured (whether sane or insane) commits suicide within 12
months from date of revival, an amount which is higher of 80% of the
premiums paid till the date of death (excluding any taxes, extra
premium and rider premiums, if any,) or the surrender value, shall
be payable. The Corporation will not entertain any other claim
under this policy.

8. A`nU _y`: H$_ go H$_ VrZ nyUdfm] VH$ r{_`_m| H$mo ^wJVmZ {H$E OmZo Ho$ ~mX {H$gr
^r g_` Bg nm{bgr H$mo ZH$Xr Ho$ {bE A`{nV {H$`m Om gH$Vm h.
nm{bgr Ad{Y Ho$ XmamZ JmaQ>rS> A`nU _y` Xm Hw$b r{_`_m| H$m {VeV hmoJr (H$a
H$s {Zdb) {Og_| H$moBA{V[a$ r{_`_| EdamBS>am| Ho$ {bE r{_`_|, `{X Bgo MwZm J`m
hmo, em{_b Zht h. `h {VeV nm{bgr Ad{Y Ed Cg nmbgr df na AmYm[aV hmoJm,
{Og_| nm{bgr H$mo A`{nV {H$`m J`m hAma Bg boI Ho$ {bE n[a{e>-& Ho$ $n _|
gb h.

8. Surrender Value: The policy can be surrendered for cash at any time
provided atleast three full years' premiums have been paid.

BgHo$ A{V[a$, {Z{hV gab `md{VV ~moZgm|, `{X H$moBh, H$m A`nU _y` ^r Xo`

In addition, the surrender value of vested simple reversionary

bonuses, if any, shall also be payable, which is equal to vested
bonuses multiplied by the Surrender Value factor applicable to vested
bonuses. These factors will depend on the Policy Term and policy
year in which the policy is surrendered and is enclosed as Annexure
II to this document.

ii)

hmoJm, Omo {Z{hV ~moZgm| Ho$ {bE bmJy A`nU _y` KQ>H$ _| {Z{hV ~moZgm| Ho$ JwUm Ho$
~am~a h. `o KQ>H$ nm{bgr Ad{Y EdCg nmbgr dfna AmYm[aV hmoJm, {Og_| nm{bgr
H$mo A`{nV {H$`m J`m hAma Bg boI Ho$ {bE n[a{e>-&& Ho$ $n _| gb h.
`{n Bg nm{bgr Ho$ AVJV {deof A`nU _y` Xo` hmoJm, `{X `h nm{bgrYmaH$
Ho$ {bE A{YH$ {hVH$a hmo. {deof A`nU _y` MwH$Vm ~r_mH$V am{e (eV 4 _|
~VmE AZwgma) Ed{Z{hV gab `md{VV ~moZg H$m [a`m`Vr _y` hmoJm. Bg nm{bgr
Ho$ {bE bmJy `o [a`m`V KQ>H$ AmBAmaS>rE Ho$ nyd AZw_moXZ Ho$ gmW g_`-g_` na
~Xb gH$Vo h.
amBS>am| na H$moBA`nU _y` CnbY Zht hmoJm, `{X H$moBh.
9. F$U: nm{bgr Ad{Y Ho$ XmamZ F$U {b`m Om gH$Vm h, ~eV} H$_ go H$_ VrZ nyUdfm] Ho$
r{_`_m| H$m ^wJVmZ {H$`m J`m hmo, Omo {ZZm{H$V {Z`_m| d eVm] VWm Eogo AmJm_r {Z`_m|
d eVm] Ho$ AYrZ hmoJm, Omo {ZJ_ g_`-g_` na V` H$a gH$Vm h, VWm Omo Eogr am{e Ho$
{bE nm{bgr Ho$ A`nU _y` Ho$ ^rVa hmoJm.
i) {bE JE F$U Ama Cg na Xo` `mO H$s dgybr Ho$ {bE O_mZV Ho$ $n _| nm{bgr nyUV:
{ZJ_ Ho$ Zm_ na g_ZwXo{eV H$s OmEJr Ama CgHo$ mam aIr OmEJr.
ii) {ZJ_ H$mo F$U na `mO H$m ^wJVmZ g~{YV F$U drH$V H$aVo g_` {ZJ_ mam
{ZYm[aV Xa go N>_mhr MH$d{ AmYma na {H$`m OmEJm. `mO H$m W_ ^wJVmZ AJbr
nm{bgr dfJmR> `m N>: _mh ndAmZo dmbr {V{W, BZ_| Omo ^r g~{YV F$U XoZo Ho$ VH$mb
~mX AmE, na {H$`m OmEJm Ama CgHo$ ~mX `oH$ N>_mhr AmYma na {H$`m OmEJm. `mO
H$_ go H$_ N>: _mh Ho$ {bE {b`m OmEJm;
iii)

iv)

{ZJ_ VrZ _mh H$s ndygMyZm XHo$a g_V `mO g{hV F$U am{e H$s AXm`Jr H$s _mJ
H$aZo H$o {bE A{YH$V hmJom. Amd`H$Vm hmZoo na F$U H$s AXm`Jr Z hmo nmZo H$s Xem _| `m
`hm Cnamo$ {Z`V {V{W`m| na `m H$_e: `Ho$ {Z`V {V{W H$o ~mX 30 {XZm| H$o ^rVa
`mO H$s AXm`Jr Z H$a nmZo H$s Xem _,| {ZJ_ mam nm{bgr H$m,o H$mBogMyZm {XE OmZo H$s
Amd`H$Vm H$o ~Ja ~X H$a {X`m OmEJm Ama {ZJ_ F$U d `mO H$o ^JwVmZ _| nm{bgr H$o
g~Y _| AZ_w{V`mo` A`nU _y` bmJy H$aZo H$m A{YH$mar hmJom. `{n nUyV: MHw$Vm `m
^mdr nm{b{g`m| H$o _m_bo _| Ch| ~X H$aZo H$s H$m`dmhr bmJy Zht hmJor.
nm{bgr Ho$ n[an d hmoZo H$s pW{V _| `m _`w Xmdo H$s pW{V _| {ZJ_ F$U am{e
`m CgHo$ {H$gr ^mJ H$m, Omo ~H$m`m hmo, nm{bgr YZ go `mO g{hV H$mQ>Zo H$m A{YH$mar
hmoJm.

before the policy anniversary on which the age nearer birthday of the
Life Assured is 70 year. Wherever this rider has been opted for under
the policy, the cover will be available during the policy term or before
the policy anniversary on which the age nearer birthday of the Life
Assured is 70 years, whichever is earlier, provided the Policy is in
force for the full Sum Assured as on date of accident.

Bg {hVbm^ Ho$ {bE A{V[a$ r{_`_ Ho$ ^wJVmZ H$s Amd`H$Vm Bg nm{bgr Ho$
AVJV g_V r{_`_m| H$m ^wJVmZ hmo OmZo Ho$ ~mX `m Cg nm{bgr dfJmR> na Ama
CgHo$ ~mX Zht hmoJr, {Og na OrdZ ~r{_V `{$ Ho$ {ZH$Q>V_ O_{XZ na Am`w 70
df hmo, Omo ^r nhbo hmo. `{n Cg _yb nm{bgr Ho$ AVJV r{_`_, {OgHo$ gmW `h
amBS>a gb h, H$m ^wJVmZ 70 dfH$s Am`w Ho$ ~mX ^r V~ VH$ Omar ahoJm, O~ VH$
nm{bgr Ad{Y g_m Zht hmo OmVr, Omo ^r bmJy hmo.

The additional premium for this Rider will not be required to be paid after
all premiums under this Policy have been paid or on and after the policy
anniversary on which the age nearer birthday of the Life Assured is 70
years, whichever is earlier. However, the premium under the basic
policy with which this rider is attached shall continue to be paid beyond
age 70 years till the end of policy term, wherever applicable.

^maVr` OrdZ ~r_m {ZJ_ Ho$ gmW Cgr OrdZ na, {Og na AJm{H$V bm^ bmJy hmoVo h,
d`{$H$ nm{b{g`m| Ama gmW hr g_yh nm{b{g`m| Ho$ AVJV br JB g^r nm{b{g`m|,
{OZ_| nhbo go hr XKQ>Zm {hVbm^ dmbr nm{b{g`m em{_b h, Ho$ AVJV ~r_m H$s
A{YH$V_ g_o{H$V gr_m {H$gr ^r Xem _| XKQ>Zm bm^ ~r_mH$V am{e Ho$ . 50 bmI go
A{YH$ Zht hmoJr. AJa Bg_| EH$ go A{YH$ nm{b{g`m hAma AJa Hw$b XKQ>Zm {hVbm^
. 50 bmI go A{YH$ hmoVm h, Vmo Omar nm{b{g`m| H$s {V{W Ho$ H$_ _| W_ . 50 bmI
XKQ>Zm bm^ ~r_mH$V am{e Ho$ {bE {hVbm^ bmJy hm|Jo.

The maximum aggregate limit of assurance under all policies

including policies with in-built Accident Benefit taken with Life
Insurance Corporation of India under individual policies as well as
group policies on the same life to which following benefits apply shall
not in any event exceed Rs.50 lakhs of Accident Benefit Sum
Assured. If there be more policies than one and if the total Accident
Benefit Sum Assured exceeds Rs.50 lakhs, the benefits shall apply to
the first Rs. 50 lakhs Accident Benefit Sum Assured in order of date of
policies issued.

`{X {H$gr ^r g_`, O~ `h nm{bgr nyU~r_mH$V am{e Ho$ {bE ^md _| h, ~r{_V `{$
{H$gr XKQ>Zm go g~ hmoVm h, Ohm Eogr XKQ>Zm AMmZH$, A`m{eV EdAdpN>H$
$n go hmo, Omo ~m, qhgH$ Ed {XImB XoZo `mo` gmYZm| go hmo Ama Eogr MmoQ> AHo$bo,
`j EdA` g_V H$maUm| go AbJ hmoH$a BgHo$ hmoZo Ho$ 180 {XZm| Ho$ ^rVa hmoJr,
{OgHo$ n[aUm_d$n (H$) WmBEdgnyUAnJVm hmo, Ogm {H$ `hm n[a^m{fV {H$`m
J`m h`m (I) ~r{_V `{$ H$s _`w hmo Ama Cgo {ZJ_ H$s gVw{> hmoZo VH$ {g {H$`m
J`m hmo, Vmo {ZJ_ BZ _m_bm| _| gh_V hmoVm h:

If the Life assured is involved in an accident at any time when this

Policy is in force for the full Sum Assured, and such injury shall within
180 days of its occurrence solely, directly and independently of all
other causes result in (a) either permanent and total disability, as
hereinafter defined or (b) death of the Life assured and the same is
proved to the satisfaction of the Corporation, the Corporation agrees
in case of:

(H$)~r{_V `{$ H$s AnJVm : (i) Bg nm{bgr Ho$ AVJV 10 dfm] _| {dVm[aV g_mZ
_m{gH$ {H$Vm| _| XKQ>Zm {hVbm^ ~r_mH$V am{e Ho$ ~am~a A{V[a$ am{e H$m ^wJVmZ.
`{X 10 dfm] H$s H${WV Ad{Y Ho$ H$mbmVrV hmoZo go nhbo nm{bgr _`w `m n[an dVm Ho$
mam H$moBXmdm ~ZVr h, Vmo AnJVm bm^ {H$V| Omo ~H$m`m Zhr hBhm|, H$m ^wJVmZ Xmdo Ho$
gmW {H$`m OmEJm Ama (ii) XKQ>Zm {hVbm^ ~r_mH$V am{e H$s gr_m VH$ nm{bgr Ho$
AVJV AmXo` ^mdr r{_`_m| (_yb `moOZm Ho$ AVJV r{_`_ g{hV) Ho$ ^wJVmZ H$s
_m\$s. {H$gr A` amBS>a Ho$ {bE, `{X Cgo MwZm J`m h, r{_`_ H$m ^wJVmZ Omar ahoJm.

(a). Disability to the Life Assured: (i) pay additional sum equal to the
Accident Benefit Sum Assured in equal monthly instalments spread
over 10 years under this Policy. If the policy becomes a claim by the
way of death or maturity before the expiry of the said period of 10
years, the disability benefit instalments which have not fallen due will
be paid along with the claim and (ii) waive the payment of future
premiums chargeable, if any, under the policy (including the premium
under basic plan) to the extent of Accident Benefit Sum Assured. The
premium for any other Rider, if opted for, shall continue to be paid.

r{_`_ Ho$ ^wJVmZ H$s Ny>Q> go Bg nm{bgr Ho$ AVJV g^r {dH$n Ama Bg IS> Ho$ (I)
_| em{_b {hVbm^ g_m hmo OmEJo, {gdm` CZ ~r_m| Ho$, `{X H$moBhm|, Omo ~r{_V `{$
H$s g^r _mOyXm nm{b{g`m| Ho$ AVJV Hw$b XKQ>Zm bm^ ~r_mH$V am{e go A{YH$ hm| Ama
Omo r{_`_ Ho$ gVV ^wJVmZ mam Mmby aIo JE hm|.

The waiver of premium shall extinguish all options under this policy
and the benefits covered by (b) of this clause except as to such
assurances, if any, as exceeds the total accident benefit sum assured
under all the existing policies of the life assured and which may have
been kept in force by continued payment of premiums.

`h Amd`H$ h{H$ Cnamo$ AnJVm {H$gr XKQ>Zm H$m n[aUm_ hmo Ama nyUd WmBhmo.
XKQ>Zmde MmoQ>| Omo A` g^r H$maUm| go dV hmo Ama Eogr XKQ>Zm Ho$ hmoZo go 180
{XZm| Ho$ ^rVa hmoZo Ho$ \$bd$n Eogr AnJVm pW{V hmo {OgHo$ H$maU ~r{_V `{$
`mrH$s` CnH$aU, {deof {S>dmBgm| `m A` gmYZm| g{hV {H$gr ~m ghm`Vm/ghmao
Ho$ ~Ja X{ZH$ OrdZ H$s {ZZm{H$V J{V{d{Y`m| _| go H$_ go H$_ 4 (Mma) J{V{d{Y`m
(ZrMo n[a^m{fV) WmB$n go H$aZo _| Ag_Whmo, Vmo Eogr AnJVm H$mo gnyUEdWmB
Ho$ $n _| _mZm OmEJm. {ZJ_ mam A{YH$V {M{H$gH$s` narjH$ mam gnyUEdWmBHo$
$n _| AnJVm H$mo n> H$aZo Ho$ {bE ~r{_V `{$ H$m narjU {H$`m OmEJm.

The disability above referred to must be disability which is the result of

an 'Accident' and must be total and permanent. Accidental injuries
which independently of all other causes and within 180 days from the
happening of such accident result in such disability due to which life
assured is unable to perform at least 4 (four) of the following Activities
of Daily Living (defined below) permanently without any external
help/support including the use of mechanical equipment, special
devices or other aids, then such disability shall be treated as Total and
Permanent. Medical Examiner authorized by the Corporation shall
examine the life assured to certify the disability as Total and
Permanent.

The Guaranteed Surrender Value during the Policy Term shall be a

percentage of total premiums paid (net of tax) excluding any extra
premiums and premiums for riders, if opted for. This percentage will
depend on the Policy Term and policy year in which the policy is
surrendered and is enclosed as Annexure I to this document.

However, under this policy, Special Surrender Value will be payable, if

it is more favorable to the Policyholder. The Special Surrender Value
will be the discounted value of the Paid-up Sum Assured (as defined
in Condition 4) and vested simple reversionary bonuses. These
discounting factors applicable to this policy may change from time to
time with prior approval of IRDA.
No surrender value will be available on Riders, if any.
9. Loans: Loan can be availed under this policy provided atleast three
full years' premiums have been paid subject to the following terms
and conditions, within the surrender value of the policy for such
amounts and on such further terms and conditions as the Corporation
may fix from time to time:
(i) The Policy shall be assigned absolutely to and held by the Corporation
as security for the repayment of Loan and of the interest thereon;
(ii) Interest on Loan shall be paid on compounding half-yearly basis to the
Corporation at the rate to be specified by the Corporation at the time of
taking loan under this policy. The first payment of interest is to be
made on the next Policy anniversary or on the date six months before
the next Policy anniversary whichever immediately follows the date
on which the Loan is sanctioned and every half year thereafter.
Interest is charged for a minimum period of six months;
(iii) Corporation shall be entitled to call for repayment of the Loan with all
due interest by giving 3 months' notice. In the event of failure to repay
the Loan when required or to pay interest on the due dates as herein
above mentioned or within 30 days after each due date respectively
the policy shall be without the necessity of any notice being given,
foreclosed by the Corporation and the Corporation shall be entitled to
apply the surrender value allowable in respect of the policy in
payment of the Loan and interest. However, in case of fully paid up or
inforce policies foreclosure action shall not be applicable;
(iv) Incase the policy shall mature or become a claim by death, the
Corporation shall become entitled to deduct the amount of the Loan or
any portion thereof which is outstanding, together with all interest
from the policy moneys.

10. g_ZwXoeZ Ama Zm_mH$Z: ~r_m A{Y{Z`_ 1938 Ho$ AZwN>oX 38 Ho$ AZwgma Bg
`moOZm Ho$ AVJV g_ZwXoeZ H$s AZw_{V h.
~r_m A{Y{Z`_ 1938 Ho$ AZwN>oX 39 Ho$ AZwgma OrdZ ~r_m H$s nm{bgr Ho$ YmaH$
mam Zm_mH$Z Amd`H$ h. `h gw{ZpMV hmoZm Mm{hE {H$ nm{bgr _| Vmd MaU _|
Amd`H$ $n go Zm_mH$Z {H$`m OmE. `{n {H$gr nadVu g_ZwXoeZ `m Zm_mH$Z
n[adVZ na, g_ZwXoeZ `m Zm_mH$Z _| n[adVZ H$s gyMZm {ZJ_ Ho$ H$m`mb` _|
nOrH$aU Ho$ {bE O_m H$s OmZr Mm{hE, Ohm Bg nm{bgr H$s godm Xr OmVr h. g_ZwXoeZ
`m Zm_mH$Z Ho$ nOrH$aU _| {ZJ_ BgH$s dYVm Ama {d{YH$ ^md go g~{YV Z Vmo H$moB
CmaXm{`d boVm h, Ama Z hr H$moBA{^_V H$Q> H$aVm h.

10. Assignments and Nominations: Assignment is allowed under this

plan as per section 38 of the Insurance Act, 1938.

11. EbAmBgr H$m XKQ>Zmde _`w Ed AnJVm {hVbm^ amBS>a: Bg nm{bgr Ho$ Co`
go EH$ XKQ>Zm H$mo Bg H$ma n[a^m{fV {H$`m J`m h : ""EH$ XKQ>Zm AMmZH$,
A`m{eV EdAdpN>H$ $n go hmoZo dmbr KQ>Zm h, Omo ~m, qhgH$ Ed{XImBXoZo
`mo` gmYZm| go hmo.''

11. LIC's Accidental Death and Disability Benefit Rider: An Accident

for the purpose of this policy is defined as An Accident is a sudden,
unforeseen and involuntary event caused by external, violent and
visible means.

EbAmBgr H$m XKQ>Zmde _`w Ed AnJVm {hVbm^ A{V[a$ r{_`_ Ho$ ^wJVmZ na
CnbY h.

LIC's Accidental Death and Disability Benefit Rider is available on

payment of additional premium.

EH$ ^mdr nm{bgr Ho$ AVJV XKQ>Zmde _`w Ed AnJVm bm^ amBS>a H$mo r{_`_
^wJVmZ Ad{Y Ho$ ^rVa {H$gr ^r g_`, bo{H$Z Cg nm{bgr dfJmR> Ho$ nhbo MwZm Om

Under an inforce policy the Accidental Death and Disability Benefit

Rider can be opted for at any time within the premium paying term but

Size : 12(H) x 7.5(W) inch

gH$Vm h, {Og na OrdZ ~r{_V `{$ Ho$ {ZH$Q> O_{XZ H$s Am`w 70 dfh. Ohm ^r
nm{bgr Ho$ AVJV Bg amBS>a H$mo MwZm J`m h, dhm ~r_m gwajm nm{bgr Ad{Y Ho$ XmamZ
`m Cg nm{bgr dfJmR> Ho$ nhbo CnbY hmoJr, {Og na ~r{_V `{$ Ho$ {ZH$Q> O_{XZ
H$s Am`w 70 dfh, Omo ^r OXr hmo, ~eV} XKQ>Zm H$s {V{W na nm{bgr nyU~r_mH$V
am{e Ho$ {bE Mmby AdWm _o hmo.

Nomination by the holder of a policy of life assurance is required as

per section 39 of the Insurance Act, 1938. It should be ensured that a
nomination is made in the policy at the proposal stage necessarily.
However, on a subsequent assignment or change of nomination, the
notice of assignment or change of nomination should be submitted for
registration to the office of the Corporation, where the policy is
serviced. In registering an assignment or nomination the Corporation
does not accept any responsibility or express any opinion as to its
validity or legal effect.

X{ZH$ OrdZ H$s J{V{d{Y`m h:

H$nS>o nhZZm - g^r Amd`H$ H$nS>o, H${_ hmW-na `m A` e`{M{H$gH$s` CnH$aU, Omo {M{H$gH$s` $n go Amd`H$ hm|, H$mo YmaU H$aZo `m CVmaZo
H$s j_Vm.
YmoZm - gm\$-g\$mB Ama `{$JV dN>Vm H$m EH$ n`m Va ~ZmE aIZo Ho$ {bE
YmoZo H$s j_Vm.
ImZm - ^moOZ Ho$ V`ma d CnbY hmo OmZo Ho$ ~mX {H$gr boQ> `m H$Q>moao go _wh VH$ ^moOZ
WmZmV[aV H$aZo H$s j_Vm.
emM - emMmb` H$m Cn`moJ H$aZo `m A`Wm _b Ed_y H$m`m] Ho$ ~YZ H$s j_Vm
Vm{H$ `{$JV dN>Vm Ho$ EH$ gVmofX Va H$mo ~ZmE aIm Om gHo$.
J{VerbVm - Ka Ho$ ^rVa {Zdmg Ho$ gm_m` WmZ na g_Vb gVh na EH$ H$_ao go
Xgao H$_ao _| AmZo-OmZo H$s j_Vm.
WmZmVaU - {H$gr {~Va go CR>H$a {H$gr grYr Hw$gu `m hrb Mo`a na ~R>Zo `m BgHo$
{dnarV H$aZo H$s j_Vm.

The Activities of Daily Living are:

Dressing - the ability to put on and take off all necessary garments,
artificial limbs or other surgical appliances that are medically
necessary
Washing - the ability to wash to maintain an adequate level of
cleanliness and personal hygiene
Feeding - the ability to transfer food from a plate or bowl to the mouth
once food has been prepared and made available
Toileting - the ability to use the lavatory or otherwise manage bowel
and bladder functions so as to maintain a satisfactory level of
personal hygiene
Mobility - the ability to move indoors from room to room on level
surfaces at the normal place of residence
Transferring - the ability to move from a bed to an upright chair or
wheel chair and vice versa

XKQ>Zmde MmQo>| Omo A` g^r H$maUm| go dV hmo Ama Eg

o r XKQ>Zm H$o hmZoo go 180 {XZm|
H$o ^rVa hm,o {OgH$o \$bd$n XmZom| AmI
m| H$s gnUy{> `m ~mb
o Zo H$s `m gZwZo H$s j{V
hmo OmE `m EH$/XmZom| hmW/hmWm| H$m AJN>XoZ H$bmBgo `m Cggo D$na go hmo OmE `m
EH$/XmZom| na/nam| H$m AJN>XoZ Q>IZm| na `m Cggo D$na hmo OmE, `m {H$ht _I
w AJm|
`m CZH$s H$m`Vm H$s j{V hmo OmE, Cgo ^r Eg
o r AnJVm hmZom _mZm OmEJm.

Notwithstanding what is mentioned above, Accidental injuries which

independently of all other causes and within 180 days from the
happening of such accident, result in the irrecoverable loss of the
entire sight of both eyes or in the amputation of both hands at or above
the wrists or in the amputation of both feet at or above ankles, or in the
amputation of one hand at or above the wrist and one foot at or above
the ankle, shall also be deemed to constitute such disability.

AnJVm Ho$ VH$mb ~mX CgH$m nyam `mam Ama ~r{_V `{$ H$m VH$mbrZ nVm Ama
{R>H$mZm {b{IV $n _| {ZJ_ Ho$ Cg H$m`mb` H$mo Xo {X`m OmE Ohm go Bg nm{bgr H$mo
godm CnbY H$admB OmVr h Ama AnJVm hmoZo Ho$ 90 {XZ Ho$ ^rVa AnJVm H$m

After the happening of the disability, full particulars thereof must be

given in writing to the office of the Corporation where this Policy is
serviced together with the then address and whereabouts of the Life

gVmofOZH$ _mU {ZJ_ Ho$ godm H$m`mb` mam Ano{jV {d{Y go Cgo Xo {X`m OmE,
{OgH$m H$moB`` {ZJ_ dhZ Zht H$aoJm Ama O~ H$^r {ZJ_ _mJo, AnJVm Omar ahZo H$m
Eogm _mU {X`m OmE. {H$gr ^r AnJVm Xmdo Ho$ g~Y _| gyMZm {_bZo Ho$ ~mX {ZJ_ mam
A{YH$V {M{H$gH$s` narjH$ mam ~r{_V `{$ H$m narjU {H$`m OmEJm Ama Cgo
_m{UV {H$`m OmEJm. BgHo$ Abmdm, `{X Amd`H$Vm hBVmo AbJ-AbJ _m_bm| Ho$
AmYma na AnJVm Ho$ Omar ahZo Ho$ g`mnZ Ho$ {bE {M{H$gH$s` narjU {H$E Om
gH$Vo h.

Assured and within 90 days of the happening of the disability, must be

given to the servicing Office of the Corporation, in the manner
required by it, proof of disability satisfactory to the Corporation and
without any expense to the Corporation. Medical Examiner
authorized by the Corporation shall examine the Life Assured and
certify in respect of any disability claimed after the intimation. Further,
medical examination may be done to validate the continuity of
disability on case to case basis, if required.

{H$gr ^r g_` `h nmE OmZo H$s Xem _|, {H$ Bg IS> Ho$ AVJV H$moB Xmdm JbVr go
drH$ma H$a {b`m J`m h, {ZJ_ H$s Bg Ame` H$s gyMZm H$s {V{W Ho$ ~mX Xo` hmoZo dmbr
g^r {V{W`m| H$m ^wJVmZ {H$`m OmEJm Ama AmJm_r g^r r{_`_ {OZHo$ {bE Ny>Q> H$m
Xmdm JbV VarHo$ go {H$`m J`m Wm Ama A{V[a$ ~r_mH$V am{e H$s g^r {H$V| Omo ~r{_V
`{$ H$mo ^wJVmZ H$s JBh, {ZJ_ H$mo `mO g{hV EH$_wV am{e Ho$ $n _| Cg Xa na
bmQ>mBOmEJr, Omo {ZJ_ mam g_`-g_` na V` H$s OmE, Ogo {H$ H$moBAnJVm Zht hB
h, Eogm Z H$aZo na

In the event of it being discovered at any time that a claim under this
clause has been wrongly admitted, all premiums falling due after the
date of the Corporation's intimation to that effect shall be paid on due
dates and further all premiums for which waiver was wrongly claimed
and all instalments of additional sum assured which have been paid to
the life assured shall be returned to the Corporation in one lump sum
with interest, at such rate as fixed by the Corporation from time to
time, as if no disability had occurred, failing which

(i) Bg nm{bgr Ho$ AVJV CnbY bm^ Cgr H$ma go H$_ hmo OmEJo, Ogo nm{bgr Cg {V{W
na ~X hBh, O~ go r{_`_m| H$mo _m\$ {H$`m J`m h`m {Og na A{V[a V ~r_mH$V am{e
H$s nhbr {H$V H$m ^wJVmZ hAm h, Omo ^r OXr hmo, Ama

(i) the benefits available under the policy shall stand reduced as if the
policy has been discontinued as on the date from which premiums
have been waived or on the payment of the first instalment of the
additional sum assured, whichever is earlier and

(ii) nhbo hr ^wJVmZ H$s Om MwH$s A{V[a$ ~r_mH$V am{e H$s {H$Vm| H$mo H${WV nm{bgr na
EH$ F$U Ho$ $n _| {b`m OmEJm Ama nm{bgr H$s m{`m| go ^wJVmZ go g_` na {ZJ_ mam
V` H$s JBXam| na `mO g{hV H$mQ>m OmEJm.

(ii) the instalments of additional sum assured already paid shall be

treated as a debt against the said policy and shall be deducted with
interest at such rate as fixed by the Corporation from time to time from
the proceeds of the policy.

A{V[a$ ~r_mH$V am{e H$s H$moBAmJm_r {H$V/V| Xo` Zht hmo|Jr {Oh| Bg Vah g_Pm
OmEJm {H$ H$moBAnJVm Zht hBh.

No further instalment/s of additional Accident Benefit Sum Assured

shall be payable considering as if no disability had occurred.

(I)~r{_V `pV H$s _`w hmoZo Ho$ _m_bo _|: Bg nm{bgr Ho$ AVJV _yb ~r_mH$V am{e Ho$
A{V[a$, XKQ>Zm {hVbm^ ~r_mH$V am{e Ho$ ~am~a EH$ A{V[a$ am{e Xo` hmoJr. `{n
nm{bgr H$mo XKQ>Zm Ho$ g_` na ^mderb hmoZm Mm{hE, Mmho dh _`w Ho$ g_` na
^mderb hmo `m Z hmo.

(b) Death of the Life Assured: In addition to Basic Sum Assured, an

additional sum equal to the Accident Benefit Sum Assured shall be
payable under this policy. However, the policy shall have to be in force
at the time of accident irrespective of whether or not it is in force at the
time of death.

{ZJ_ (H$) `m (I) _| gX{^V A{V[a$ am{e XoZo Ho$ {bE CmaXm`r Zht hmoJm, `{X OrdZ
~r{_V `{$ H$s AnJVm `m _`w :
(i) OmZ~yP H$a AnZo H$mo MmoQ> nhMmZo, Am_h`m H$m `mg H$aZo, nmJbnZ AWdm
AZ{VH$ AmMaU Ho$ H$maU AWdm {H$gr _mXH$ d nXmW, Amf{Y `m Zerbr dVwAm|
(O~ VH$ CnMma Ho$ EH$ ^mJ Ho$ $n _| {M{H$gH$ mam Bgo {bIm Z J`m hmo) H$s godZ
H$aZo go hmoJr AWdm,
(ii) XJm|, Ag{ZH$ Cndm|, ge {dmoh, `wX (^bo hr `wX H$s KmofUm H$s JBhmo `m Z H$s
JB hmo), AmH$_U, {eH$ma, ndVmamohU, b~r N>bmJ `m {H$gr ^r H$ma H$s ^mJXmS>,
nambmBqS>J `m nameyqQ>J, amo_mMH$ Iobm| _| ^mJ boZm Ho$ \$bd$n MmoQ> bJZo Ho$ H$maU
hmoJr AWdm,

The Corporation shall not be liable to pay the additional sum referred
in (a) or (b) above, if the disability or the death of the Life Assured shall:

(ii) be caused by injuries resulting from taking any part in riots, civil
commotion, rebellion, war (whether war be declared or not), invasion,
hunting, mountaineering, steeple chasing, racing of any kind,
paragliding or parachuting, taking part in adventurous sports; or

(iii) ~r{_V `{$ mam Amnam{YH$ BamXo go H$moBAmnam{YH$ H$` H$aZo Ho$ n[aUm_d$n hmo;
`m

(iii) result from the Life Assured committing any criminal act with criminal
intent; or

(iv)(A) ~r{_V `p V Ho$ ge goZm `m g` godm _| ZmH$ar _| hmoZo Ho$ H$maU hmo. `h
AndOZ V~ bmJy Zht hmoJm, `{X ~r{_V `{$ V~ {H$gr XKQ >Zm go g~ Wm, O~ dh
S>yQ>r na Zht Wm `m h_mao Xoe _| mH${VH$ AmnXmAm| go bS>Vo g_` {H$gr ~Mmd
A{^`mZ go g~ Wm.

(iv) (a) arise from employment of the Life Assured in the armed forces or
military service. This exclusion is not applicable if the Life Assured
was involved in an accident when he is not on duty or was involved in
any rescue operations while combating natural calamities in our
country

(~) Ag{ZH$ ~bm| Ho$ Abmdm {H$gr nw{bg gJR>Z _| nw{bg S>yQ>r _| g~ hmoZo Ho$
\$bd$n hmo ({Og_| emg{ZH$ H$m`^ma em{_b Zht h). `h AndOZ dhm bmJy Zht
h, Ohm nw{bg S>yQ>r _| g~ ahVo hE hmoZo dmbr XKQ>Zm na XKQ>Zmde _`w EdAnJVm
bm^ Ho$ {bE {dH$n H$mo MwZm J`m hmo; `m

(iv) (b) arise from being engaged in police duty (which excludes
administrative assignments) in any police organization other than
paramilitary forces. This exclusion is not applicable where the option
to cover Accidental Death and Disability Benefit arising on accident
while engaged in police duty, has been chosen; or

(i) be caused by intentional self injury, attempted suicide, insanity or

immorality or whilst the Life Assured is under the influence or
consumption of intoxicating liquor, narcotic or drug (unless prescribed
by doctor as a part of treatment); or

(v) ~r{_V `p V Ho$ XKQ>ZmJV hmoZo H$s {V{W go 180 {XZm| Ho$ ~mX hmoJr.

(v) occur after 180 days from the date of accident of the Life Assured.

12. {ZJ_ Ho$ bm^ _| {V^m{JVm: ~eV} {H$ nm{bgr nyU $n go ^mdr hmo, Vmo {ZJ_ Ho$
AZw^d Ho$ AmYma na `h nm{bgr bm^ _| ^mJrXmar H$aoJr Ama `h nm{bgr Cg Xa na Ed
CZ eVm] na EH$ gab `md{VV ~moZg Ho$ `mo` hmoJr, Omo {ZJ_ mam Kmo{fV H$s Om
gH$Vr h.
gab `md{VV ~mZogm| H$mo `Ho$ {dmdfH$o AV _| dm{fH$ $n go Km{ofV {H$`m OmEJm,
~eVn}m{bgr nUy$n go ^mderb hm.o EH$ ~ma Km{ofV H$a {XE OmZo H$o ~mX, do `mO
o Zm H$o
JmaQ>rS> bm^m| H$m {hgm ~Z OmVo h. gab `md{VV ~mZog nm{bgr H$o ew$ hmZoo H$s {V{W
go MZwr JBnm{bgr Ad{Y VH$ `m _`w VH$, `{X `h nhbo hmVor h, em{_b {H$E OmEJ.o
{H$gr MHw$Vm nm{bgr H$s Xem _| {Z{hV ~mZogm| H$m ^JwVmZ H$odb V^r {H$`m OmEJm, O~ H$_
go H$_ 3 nyUnm{bgr dfm] H$s r{_`_m| H$m ^wJVmZ H$a {X`m J`m hmo. r{_`_m| H$m ^wJVmZ
{Z`_mZwgma Z {H$E OmZo H$s Xem _|, bm^m| _| nm{bgr H$s {V^m{JVm W{JV hmo OmEJr,
Mmho nm{bgr Zo MwH$Vm _y` (H$_ H$s JB_yb ~r_mH$V am{e) m {H$`m hmo `m Z {H$`m hmo.
nm{bgr H$mo A`{nV {H$E OmZo H$s Xem _|, {Z{hV ~moZgm| H$m ZH$X _y`, `{X H$moBh,
Ogm ^r A`nU H$s {V{W na bmJy hmo, Cnamo$ eV8 _| {Z{X> {H$E AZwgma Xo` hmoJm.

12. Participation in the Profits of the Corporation: Provided the policy

is in full force, depending upon the Corporation's experience the
policy shall participate in profits and will be eligible for a Simple
Reversionary Bonus at such rate and on such terms as may be
declared by the Corporation.

`moOZm Ho$ AVJV Cg df _| A{V_ (A{V[a$) ~moZg ^r Kmo{fV {H$E Om gH$Vo h,

O~ nm{bgr Ad{Y Ho$ XmamZ nm{bgr _`w Xmdo _| n[a{UV hmo OmE `m n[an dVm
bm^ ^w J VmZ H$m ^w J VmZ Z hmo Z o Ho $ H$maU H$mbmVrV hmo JB h,

Size : 12(H) x 7.5(W) inch

Simple Reversionary Bonuses shall be declared annually at the end

of each financial year provided the policy is in full force. Once
declared, they form part of the guaranteed benefits of the plan. Simple
Reversionary Bonuses will be added from the date of commencement
of policy until the selected policy term or till death, if it occurs earlier.
In case of a paid up policy vested bonuses shall be payable only if at
least 3 full years' premiums have been paid. In case the premiums are
not duly paid, the policy shall cease to participate in profits
irrespective of whether or not the policy has acquired paid up value
(reduced Basic Sum Assured)
In the event of policy being surrendered, the surrender value of vested
bonuses, if any, as applicable on the date of surrender, will be payable
as specified in Condition 8 above.
Final (Additional) bonus may also be declared under the plan in the
year when the policy results into death claim during the policy term or
due for the maturity benefit payment, provided the policy has run for

Vmo Cgo ~r{_V `{$ Ho$ OrdZH$mb _|, W_ AXm r{_`_ H$s {V{W go 2 H$_mJV dfH$s
Ad{Y Ho$ ^rVa VWm n[an dVm {V{W Ho$ nyd{ZJ_ H$mo gVV ~r_m`mo`Vm H$m gVmofX
_mU VwV H$aZo na VWm g^r ~H$m`m r{_`_m| H$m ^wJVmZ Ho$ g_` M{bV Xa go
N>_mhr MH$dpX `mO Ho$ gmW ^wJVmZ H$aHo$ nwZ: d{VV H$am`m Om gH$Vm h. VWm{n,
{ZJ_ ~X nm{b{g`m|o Ho$ dVZ H$mo _yb eVm] na drH$ma `m gemo{YV Xam| na drH$ma
H$aZo H$m A{YH$ma AnZo nmg gwa{jV aIVm h. ~X nm{bgr H$m nwZ: dVZ V^r ^mdr
hmoJm O~ {ZJ_ mam Cgo AZw_mo{XV H$a {X`m Om`oJm VWm {d{e> $n go Vmd/~r{_V
`p V H$mo gy{MV H$a {X`m Om`oJm.
amBS>a(am|) H$m nwZ: dVZ, `{X BgH$m M`Z {H$`m J`m h, Vmo CgH$m _yb nm{bgr Ho$ nwZ:
dVZ Ho$ gmW hr {dMma {H$`m Om`oJm, AbJ go Zht.

non payment of due premium within the days of grace, it may be

revived during the lifetime of the Life Assured, but within a period of 2
consecutive years from the date of the first unpaid premium and
before the end of the policy term, on submission of proof of continued
insurability to the satisfaction of the Corporation and the payment of
all the arrears of premium together with interest (compounding halfyearly) at such rate as fixed by corporation from time to time. The
Corporation, however, reserves the right to accept at original terms,
accept with modified terms or decline the revival of a discontinued
policy. The revival of the discontinued policy shall take effect only after
the same is approved by the Corporation and is specifically
communicated to the Life Assured.
Revival of Rider(s), if opted for, will only be considered along with the
revival of the Basic policy and not in isolation.

4. OVr go gwajm g~Yr {Z`_: AJa Bg nm{bgr Ho$ g~Y _| VrZ dfgo H$_ H$s r{_`_
H$m ^wJVmZ {H$`m J`m hAma {H$gr AmJm_r r{_`_ H$m {Z`_mZwgma ^wJVmZ Zht {H$`m
J`m h, Vmo Bg nm{bgr Ho$ AVJV g_V bm^ W_ AXm r{_`_ H$s {V{W go [a`m`V
Ad{Y H$s g_m{ Ho$ ~mX W{JV hmo OmEJo Ama Hw$N> ^r Xo` Zht hmoJm.
hmbm{H$, `{X Bg nm{bgr Ho$ g~Y _| H$_ go H$_ VrZ nyU dfm] Ho$ r{_`_ H$m ^wJVmZ
H$aZo Ama {H$gr AZwdVu r{_`_ H$m ^wJVmZ {Z`_mZwgma Z H$aZo Ho$ ~mX, `h nm{bgr
nyUV: AdY Zht hmoJr, ~pH$ MwH$Vm nm{bgr Ho$ $n _| ahoJr. _yb ~r_mH$V am{e Eogr
am{e _| go H$_ hmo OmEJr, {Ogo MwH$Vm ~r_mH$V am{e H$hm OmVm h Ama BgH$m _yb
~r_mH$V am{e go dhr AZwnmV hmoJm Omo dmV{dH$ $n go Xm r{_`_m| H$s g`m H$m
nm{bgr _| _ybV: `$ r{_`_m| H$s Hw$b g`m go hmoJm.
Bg H$ma KQ>r hB ~r_mH$V am{e H$s nm{bgr CgHo$ ~mX Bg_| Cbo{IV r{_`_ Ho$
^wJVmZ Ho$ Xm{`d go _w$ hmoJr, bo{H$Z dh ^mdr bm^m| _| {V^m{JVm H$s A{YH$mar Zht
hmoJr. `{n, dV_mZ {Z{hV ~moZg, `{X H$moBhmo, H$_ hBMwH$Vm nm{bgr go gb ahoJm.
nm{bgr Ho$ MwH$Vm hmoZo na AZwgyMr _| Cbo{IV {deof mdYmZ bmJy hmoZo go W{JV hm|Jo.
`h MwH$Vm ~r_mH$V am{e, {Z{hV ~moZgm| Ho$ gmW, `{X H$moBhmo, `m Vmo nm{bgr Ad{Y Ho$
nhbo _`w hmoZo na `m n[an dVm bm^ Ho$ ^wJVmZ na Xo` hmoJm. nm{bgr Ad{Y Ho$ ~mX
~r{_V `{$ H$s _`w hmoZo na Ho$db MwH$Vm ~r_mH$V am{e Xo` hmoJr.
Cnamo$ H$WZ Ho$ ~mdOyX, `{X Bg nm{bgr Ho$ AVJV H$_ go H$_ VrZ nyU dfm] Ho$
r{_`_m| H$m ^wJVmZ {H$E OmZo Ho$ ~mX, {H$gr AZwdVu r{_`_ H$m ^wJVmZ {Z`_mZwgma
Zht {H$`m OmVm h, Vmo W_ AXm r{_`_ H$s {Z`V {V{W go 6 _mh Ho$ ^rVa ~r{_V
`p V H$s _`w hmoZo H$s Xem _|, {ZZ{b{IV H$mQ>H$a _yb ~r_mH$V am{e Ho$ 125% H$m
^wJVmZ, {Z{hV gab `md{VV ~moZgm| EdA{V[a$ ~moZg, `{X H$moBhmo (H$) _yb ~r_m
nm{bgr Ho$ VhV AXm r{_`_, _`y {XZmH$ VH$ `mO g{hV - Cht eVm] na Ogo {H$
Cg g_` nm{bgr _| nwZdVZ hoVw {H$`m OmVm, Ama (I) _yb nm{bgr Ho$ VhV AJbr
nm{bgr dfJmR>| Ho$ nydAXm r{_`_ H$m ^wJVmZ Cgr H$ma {H$`m OmEJm Ogo {H$ nm{bgr
nyUn go Mmby ahr hmo.
Cnamo$ H$WZ Ho$ ~mdOyX, `{X Bg nm{bgr Ho$ AVJV H$_ go H$_ nmM nyU dfm] Ho$
r{_`_m| H$m ^wJVmZ {H$E OmZo Ho$ ~mX, {H$gr AZwdVu r{_`_ H$m ^wJVmZ {Z`_mZwgma
Zht {H$`m OmVm h, Vmo W_ AXm r{_`_ H$s {Z`V {V{W go 12 _mh Ho$ ^rVa ~r{_V
`p V H$s _`w hmoZo H$s Xem _|, {ZZ{b{IV H$mQ>H$a _yb ~r_mH$V am{e Ho$ 125% H$m
^wJVmZ, {Z{hV gab `md{VV ~moZgm| EdA{V[a$ ~moZg, `{X H$moBhmo (H$) _yb ~r_m
nm{bgr Ho$ VhV AXm r{_`_, _`y {XZmH$ VH$ `mO g{hV - Cht eVm] na Ogo {H$
Cg g_` nm{bgr _| nwZdVZ hoVw {H$`m OmVm, Ama (I) _yb nm{bgr Ho$ VhV AJbr
nm{bgr dfJmR>| Ho$ nydAXm r{_`_ H$m ^wJVmZ Cgr H$ma {H$`m OmEJm Ogo {H$ nm{bgr
nyUn go Mmby ahr hmo.

4. Non-forfeiture Regulations: If less than three years' premiums have

been paid in respect of this policy and any subsequent premium be
not duly paid, all the benefits under this policy shall cease after the
expiry of grace period from the date of first unpaid premium and
nothing shall be payable.

`o mdYmZ dH$pnH$ amBS>am| Ho$ {bE bmJy Zht hmoVo h, `m|{H$ CZH$m H$moBXm _y` Zht
hmoVm hAma amBS>a bm^ W{JV hmo OmVo h, `{X nm{bgr H$mbmVrV pW{V _| h.

These provisions do not apply to optional riders as they do not acquire

any paid up value and the rider benefits cease to apply, if policy is in
lapsed condition.

5. H$a: H$a godmH$a g{hV, `{X H$moB hmo, H$a H$mZyZ Ho$ AZwgma hmoJm Ama H$a H$s Xa
M{bV Xa na bmJy hmoJr.
M{bV Xam| Ho$ AZwgma H$a H$s am{e nm{bgr YmaH$ mam r{_`_m| na Xo` hmoJr, {OZ_|
A{V[a$ r{_`_| Ed amBS>a r{_`_| em{_b h, `{X H$moB hmo. Xm H$a H$s am{e na
`moOZm Ho$ AVJV Xo` bm^m| H$s JUZm Ho$ {bE {dMma Zht {H$`m OmEJm.

5. Tax: Taxes including Service Tax, if any, shall be as per the Tax laws
and the rate of tax shall be as applicable from time to time.

6. {deof n[apW`m| _| OVr: `{X Bg_| g_m{d> `m n>m{H$V {H$gr eV H$m CbKZ
{H$`m OmVm h `m `{X nm`m OmVm h {H$ Vmd n, `p VJV H$WZ, KmofUm Ama
g~{YV boIm| _| H$moB Ag` `m JbV H$WZ gp_{bV h AWdm H$moB VmpdH$
OmZH$mar {N>nmBJBhVmo Eogo `oH$ _m_bo _| {H$Vw ~r_m A{Y{Z`_, 1938 H$s Ymam
45 H$s bmJy hmo gH$Zo dmbr `dWmAm| Ho$ AYrZ `h nm{bgr AdY hmoJr Ama Bg_o
g~pYV {H$gr ^r {hVbm^ Ho$ {bE g_V Xmdo VwaV A`nU _y` Ho$ ^wJVmZ mam
~X/g_m hmo OmEJo.

6. Forfeiture in Certain Events: In case any condition herein contained

or endorsed hereon shall be contravened or in case it is found that any
untrue or incorrect statement is contained in the proposal, personal
statement, declaration and connected documents or any material
information is withheld, then and in every such case but subject to the
provisions of Section 45 of the Insurance Act, 1938, wherever
applicable, this policy shall be void and all claims to any benefit in
virtue hereof shall cease immediately by paying the surrender value.

7. Am_h`m: `h nm{bgr AdY hmo OmEJr

`{X ~r{_V `{$ (_mZ{gH$ $n go dW `m AdW) Omo{I_ ew$ hmoZo H$s {V{W go
12 _mh Ho$ ^rVa {H$gr ^r g_` Am_h`m H$a boVm hVmo {ZJ_ mam Bg nm{bgr Ho$

I)

i)

However, if after at least three full years' premium have been paid in
respect of this policy and any subsequent premiums be not duly paid,
this policy shall not be wholly void, but shall subsist as a paid-up
policy. The Basic Sum Assured shall be reduced to such a sum, called
Paid-up Sum Assured and shall bear the same ratio to the Basic Sum
Assured as the number of premiums actually paid shall bear to the
total number of premiums originally stipulated for in the policy.
The policy so reduced shall thereafter be free from all liabilities for
payment of the within mentioned premiums, but shall not be entitled to
participate in future profits. However, the existing vested bonuses, if any,
will remain attached to the reduced paid-up policy. On the policy
becoming paid-up the special provisions mentioned in the schedule will
cease to apply. This Paid-Up Sum Assured along with vested bonuses, if
any, shall be payable either on death before Policy Term or on payment
of maturity benefit on expiry of the policy term. On death of the Life
Assured after Policy Term only Paid-up Sum Assured shall be payable.
Notwithstanding what is stated above, if atleast 3 full years' premiums
have been paid in respect of this policy, and any 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 unpaid premium, 125% of the Basic
Sum Assured along with vested simple reversionary bonuses and
final additional bonus, if any, will be paid after deduction of (a) the
premium or premiums for the basic policy unpaid with interest thereon
upto the date of death, on the same terms as for revival of the Policy
during such period and (b) the unpaid premiums for the basic policy
falling due before the next policy anniversary.
Notwithstanding what is stated above, if at least five full years'
premiums have been paid in respect of this policy, any subsequent
premium be not duly paid, in the event of death of the Life Assured
within 12 months from the due date of first unpaid premium, 125% of
the Basic Sum Assured along with vested simple reversionary
bonuses and final additional bonus, if any, will be paid after deduction
of (a) the premium or premiums for the basic policy unpaid with
interest thereon upto the date of death, on the same terms as for
revival of the Policy during such period and (b) the unpaid premiums
for the basic policy falling due before the next policy anniversary.

The amount of tax as per the prevailing rates shall be payable by the
policyholder on premiums including extra premiums and rider
premiums, if any. The amount of tax paid shall not be considered for
the calculation of benefits payable under the plan.

7. Suicide: This policy shall be void

If the Life Assured (whether sane or insane) commits suicide at any
time within 12 months from the date of commencement of risk and

AZwbZH$/ANNEXURE - I

Hw$b Xm r{_`_ Ho$ {bE bmJy JmaQ>rS> A`nU _y` H$maH$

Guaranteed Surrender Value factors applicable to total premiums paid
nm{bgr Ad{Y/Policy Term
Ad{Y/Year 15
16
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

0.00
0.00
30.00
50.00
50.00
50.00
50.00
54.29
58.57
62.86
67.14
71.43
75.71
80.00
80.00

0.00
0.00
30.00
50.00
50.00
50.00
50.00
53.75
57.50
61.25
65.00
68.75
72.50
76.25
80.00
80.00

({VeV _|/in percentage)

17
0.00
0.00
30.00
50.00
50.00
50.00
50.00
53.33
56.67
60.00
63.33
66.67
70.00
73.33
76.67
80.00
80.00

18
0.00
0.00
30.00
50.00
50.00
50.00
50.00
53.00
56.00
59.00
62.00
65.00
68.00
71.00
74.00
77.00
80.00
80.00

19
0.00
0.00
30.00
50.00
50.00
50.00
50.00
52.73
55.45
58.18
60.91
63.64
66.36
69.09
71.82
74.55
77.27
80.00
80.00

20
0.00
0.00
30.00
50.00
50.00
50.00
50.00
52.50
55.00
57.50
60.00
62.50
65.00
67.50
70.00
72.50
75.00
77.50
80.00
80.00

21
0.00
0.00
30.00
50.00
50.00
50.00
50.00
52.31
54.62
56.92
59.23
61.54
63.85
66.15
68.46
70.77
73.08
75.38
77.69
80.00
80.00

22
0.00
0.00
30.00
50.00
50.00
50.00
50.00
52.14
54.29
56.43
58.57
60.71
62.86
65.00
67.14
69.29
71.43
73.57
75.71
77.86
80.00
80.00

23
0.00
0.00
30.00
50.00
50.00
50.00
50.00
52.00
54.00
56.00
58.00
60.00
62.00
64.00
66.00
68.00
70.00
72.00
74.00
76.00
78.00
80.00
80.00

24
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.88
53.75
55.63
57.50
59.38
61.25
63.13
65.00
66.88
68.75
70.63
72.50
74.38
76.25
78.13
80.00
80.00

25
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.76
53.53
55.29
57.06
58.82
60.59
62.35
64.12
65.88
67.65
69.41
71.18
72.94
74.71
76.47
78.24
80.00
80.00

26
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.67
53.33
55.00
56.67
58.33
60.00
61.67
63.33
65.00
66.67
68.33
70.00
71.67
73.33
75.00
76.67
78.33
80.00
80.00

27
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.58
53.16
54.74
56.32
57.89
59.47
61.05
62.63
64.21
65.79
67.37
68.95
70.53
72.11
73.68
75.26
76.84
78.42
80.00
80.00

28
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.50
53.00
54.50
56.00
57.50
59.00
60.50
62.00
63.50
65.00
66.50
68.00
69.50
71.00
72.50
74.00
75.50
77.00
78.50
80.00
80.00

29
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.43
52.86
54.29
55.71
57.14
58.57
60.00
61.43
62.86
64.29
65.71
67.14
68.57
70.00
71.43
72.86
74.29
75.71
77.14
78.57
80.00
80.00

30
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.36
52.73
54.09
55.45
56.82
58.18
59.55
60.91
62.27
63.64
65.00
66.36
67.73
69.09
70.45
71.82
73.18
74.55
75.91
77.27
78.64
80.00
80.00

31
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.30
52.61
53.91
55.22
56.52
57.83
59.13
60.43
61.74
63.04
64.35
65.65
66.96
68.26
69.57
70.87
72.17
73.48
74.78
76.09
77.39
78.70
80.00
80.00

32
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.25
52.50
53.75
55.00
56.25
57.50
58.75
60.00
61.25
62.50
63.75
65.00
66.25
67.50
68.75
70.00
71.25
72.50
73.75
75.00
76.25
77.50
78.75
80.00
80.00

33
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.20
52.40
53.60
54.80
56.00
57.20
58.40
59.60
60.80
62.00
63.20
64.40
65.60
66.80
68.00
69.20
70.40
71.60
72.80
74.00
75.20
76.40
77.60
78.80
80.00
80.00

34
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.15
52.31
53.46
54.62
55.77
56.92
58.08
59.23
60.38
61.54
62.69
63.85
65.00
66.15
67.31
68.46
69.62
70.77
71.92
73.08
74.23
75.38
76.54
77.69
78.85
80.00
80.00

35
0.00
0.00
30.00
50.00
50.00
50.00
50.00
51.11
52.22
53.33
54.44
55.56
56.67
57.78
58.89
60.00
61.11
62.22
63.33
64.44
65.56
66.67
67.78
68.89
70.00
71.11
72.22
73.33
74.44
75.56
76.67
77.78
78.89
80.00
80.00

AZwbZH$/ANNEXURE - II

{Z{hV ~moZg Ho$ {bE bmJy A`nU _y` H$maH$

Surrender value factors applicable to vested bonuses
nm{bgr Ad{Y/Policy Term
Ad{Y/Year 15
16
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

0.00
0.00
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

0.00
0.00
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

({VeV _|/in percentage)

17
0.00
0.00
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

18
0.00
0.00
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

19
0.00
0.00
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

20
0.00
0.00
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

21
0.00
0.00
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

22
0.00
0.00
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

23
0.00
0.00
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

24
0.00
0.00
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

25
0.00
0.00
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

26
0.00
0.00
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

27
0.00
0.00
14.94
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

28
0.00
0.00
14.13
14.94
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

29
0.00
0.00
13.20
14.13
14.94
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

30
0.00
0.00
12.06
13.20
14.13
14.94
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

31
0.00
0.00
10.61
12.06
13.20
14.13
14.94
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

32
0.00
0.00
6.01
10.61
12.06
13.20
14.13
14.94
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

33
0.00
0.00
6.01
6.01
10.61
12.06
13.20
14.13
14.94
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

34
0.00
0.00
3.06
6.01
6.01
10.61
12.06
13.20
14.13
14.94
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00

35
0.00
0.00
2.00
3.06
6.01
6.01
10.61
12.06
13.20
14.13
14.94
15.13
15.28
15.42
15.55
15.72
15.93
16.22
16.58
17.03
17.58
17.58
17.66
17.85
18.16
18.60
19.18
19.93
20.85
21.99
23.38
25.05
27.06
30.00
35.00