*** LIC’S NEW JEEVAN ANAND *** PLAN NO-815

WITH PROFIT PLAN/ with service tax/ with term rider benefit
UIN NO- 512N279V01
INTRODUCED ON – 08/01/2014 WITHDRAWN ON-
CO/PD/48 dt. 6/1/2014; co/u and r/96/2013 dt7/1/2014

After the introduction of IRDA’s non-linked insurance products regulations dt. 16/2/2013, the existing
individual products not in conformity with the provisions of new regulations are required to be withdrawn.
This product issued is in conformity with new IRDA product guidelines.

Following are the features of the plan:-

• This is a combination of endowment policy with profit and whole life plan without profit.
• Policy term and premium paying term will be same. Hence, at the end of premium paying term,
claim will be paid as maturity claim and not as survival benefit claim.
• On survival to the end of the policy term, basic sum assured with vested reversionary bonus and final
additional bonus is payable, provided premiums have been paid fully for the premium paying term. A
free death cover equal to basic sum assured is extended after date of maturity.
• If policy becomes paid up during policy term, then on date of maturity, claim will be settled for paid
up sum assured + vested bonus only. A free death cover equal to paid up sum assured is extended
after date of maturity.
• For free death cover extended , policy will not participate in bonus.
• Death benefit under this plan is improved as compared to plan 149. “Death benefit” is defined as
sum of “sum assured on death + vested bonus + final additional bonus, if any.” sum assured on death
will be higher of 125% of basic sum assured or 10 times of annualized premium. However, this “death
benefit” shall not be less than 105% of the total premiums paid as on date of death. The premium
mentioned will exclude extra premium, rider premium and service tax.
• Due to the peculiar design of the product, there is a possibility that the Death Benefit during the policy
term (i.e. Sum Assured plus Vested Bonus) at some durations, particularly at later durations, works out
to be less than the Surrender Value arrived at using the above procedure. Therefore, the Death benefit
payable under the policy should be taken as the higher of the Sum Assured plus Vested Bonus or the
Surrender Value calculated using the procedure.
• A & DB rider (Accident and Disability benefit rider) UIN no 512B001V02 is available as optional rider
under the policy. Kindly, note that this rider will be available upto 50 lakh sum assured after paying
additional premium as per other terms and condition.( under plan 149- accident benefit was
available upto first 5 lakh sum assured taken together under all policies of plan 149 without paying
any additional premium)
• Suicide clause is now applicable from date of risk and date of revival also. During this period, death
claim will be payable to the higher of 80% of the premium paid or surrender value. ( Under plan 149,
nothing was payable if death due to suicide takes place within 1 year from date of risk. And suicide
clause was not applicable after revival)
• Policy will be allowed from age at entry from 18 years to 50 years
• Policy will be offered for policy term from 15 years to 35 years only.
• Minimum sum assured will be Rs. 1 lakh.
• All mode of payments are allowed with ECS mode .however, ordinary- monthly mode of the policy
will not be allowed.
• Basic and extended claim concession will not be applicable for accident and disability benefit rider.
• A lapsed policy can be revived within 2 years from the date of FUP and before date of maturity.
• Guaranteed surrender value factors will vary for different policy term and policy year in which policy
is surrendered. As under plan 149, percentage is not as 30%. There will be no need to deduct first
year premiums. However, for calculating cash value of bonus, different surrender factors are given.
• Loan under the policy is available but quantum of loan available as % of surrender value will depend
on policy term and status of the policy.
• Service tax as applicable from time to time is payable by policyholder. As per circular dt.
20/12/2013 Ref: EDA/ ZDB/966 , it has been clarified that Endowment plans, service tax (including
Education Cess and HSEC) shall be charged @3.09% on new business premium (i.e. first year and
single) and 1.545% on the renewal premium. This is for F.Y. 2013-14.
• CEIS rebate under the policy is now available on premium of Accident and Disability benefit rider
also.
• As per circular dt 3/11/2014 Ref: CO/PD/59, it has been decided to allow term rider benefit
under this plan for the new policies issued on and after 5/11/2014. For policies issued upto
4/11/2014, this benefit rider can not be included subsequently. The condition of the term rider/
premium rates and extra premium rates are given separately under chapeter “ term assurance
rider
• As per circular no CO/PD/90 dt 19/12/2016, it has been decided to allow Critical Illness Rider
Benefit under this plan for new policies issued on and after 19/12/2016. for policies issued upto
18/12/2016, this CIR rider can not be included subsequently. The conditions of the CIR and
premium rates are given separately under chapter " Critical Illness rider"
A) SYNOPSIS OF PLAN


PARTICULARS BASIC PLAN Accident and New term

disability Benefit assurance rider
rider( A and DB)
1) Age at entry for -Minimum 18 yrs completed 18 yrs completed 18 yrs
Life assured completed
-Maximum 50 yrs NBD 50 yrs NBD 50 NBD
Age at entry for other age is to be taken as
NBD except for 18 years
2) policy term and -minimum 15 years As per policy term 15 yrs
Premium paying term of basic plan or upto
70 years( NBD) of
life assured,
- Maximum 35 years whichever is earlier 35 yrs

3) maximum maturity age 75 years NBD - 75 yrs

4) Sum assured - Minimum 1,00,000 1 lakh 1 lakh
-Maximum no limit 50 lakh * 25 lakh*
5) sum assured in multiple of 5,000 5,000 5000
6) Mode rebate - Yearly 2% of tab prem 2% of tab prem
- Half-yearly 1% of tab prem NIL 1% of tab prem
- QLY, SSS, ECS-MLY) NIL NIL
-
7) Large sum assured rebate PER 1000 SA

1) 1,00,000 to 1,95,000 NIL

2) 2,00,000 to 4,95,000 1.50/- per 1000 NIL NIL
3) 5,00,000 and 9,95,000 SA
4) 10,00,000 and above 2.50/- per 1000
SA
3.00/- per 1000
SA
8) Mode of payment of premiums Yearly, Half- As per basic plan As per basic
yearly, Quarterly, plan
monthly through
ECS or SSS

Age at entry for the Policyholder is to be taken as age nearest birthday except for the minimum age at entry
i.e. 18 years.

B) Underwriting guidelines:-
The Underwriting rules for the plan as per circular no –co/u and r/96 dt. 7/1/2014 are as under:-
1. Actual Sum Assured (ASA)-
The Actual Sum Assured (ASA) under the plan is to be taken as 125 % of the Basic Sum Assured.

2. Sum Under Consideration (SUC)-

The Sum Under Consideration (SUC) will be calculated as per the existing rules. For the purpose of
calculation of Sum Under Consideration (SUC), the Actual Sum Assured under the plan is to be
taken as 125 % of the Basic Sum Assured.

3. Medical Examination-
The plan will be available under any of our Non-Medical schemes subject to the usual Non-Medical
limits and rules. If the Non-Medical scheme is not applicable, medical examination has to be
carried out. There is no change in the other rules related to medical examinations.

4. Special Reports-
Rules regarding special reports will be as per the existing rules i.e. on the basis of Sum Under
Consideration (SUC). For the purpose of calling for special reports, the Actual Sum Assured under
the plan is to be taken as 125 % of the Basic Sum Assured.

5. EMR Class-
The plan can be allowed to standard and sub standard major proponents attracting Extra Mortality
Rating upto Class X. The plan is also allowed to major proponents who are physically handicapped
provided they are gainfully employed. All other underwriting rules related to underwriting of
substandard as well as physically handicapped lives remain unchanged.
 6. Lives eligible-
The plan is allowed to major male and female lives falling in Category-I, II & III. The plan is also
allowed to pregnant ladies falling in Category-I & II only, within the first 24 weeks of pregnancy.
The plan is also allowed to Major students. All other rules regarding underwriting of female lives
and major students remain unchanged.

7. Age proof-
The plan is allowed to proponents submitting standard age proof and non standard age proofs I, II
& III subject to charging the requisite age proof extra as per rules. All other underwriting rules in
respect of non-standard age proofs remain unaltered.

8. Financial Underwriting-
For the purpose of financial underwriting, the Actual Sum Assured under the plan is to be taken as
125 % of the Basic Sum Assured for calculation of the Total Rated Up Sum Assured (TRSA). All other
rules regarding financial underwriting remain unchanged.

9. Moral Hazard Report (MHR)-

The Moral Hazard Report (MHR) is to be called for on the basis of the Sum Under Consideration
(SUC). There is no change in the other rules regarding calling for MHR.

10. Non Resident Indians & Foreign Nationals of Indian origin-

a) The plan is allowed to Non Resident Indians and Foreign Nationals of Indian origin residing in
countries falling under Residence Groups III to VI subject to charging the requisite residence
extra as outlined in circular Ref: U & R / 66 /2012 dated 3rd February, 2012 (duly rated up as
given in Point No.12 below) and subject to the maximum sum assured limits as applicable to
the respective residence groups. No residence extra is to be charged to Non Resident Indians &
Foreign Nationals of Indian origin residing countries falling under Residence Group VII. The plan
is not allowed to Non Resident Indians and Foreign Nationals of Indian origin residing in
countries falling under Residence Groups I & II.

b) The plan is allowed to housewives (NRIs as well as FNIOs) residing in countries falling under
Residence Groups V,VI & VII subject to maximum sum assured limits as applicable to the
respective residence groups and within the normal limits of maximum sum assured applicable
to housewives.

c) The plan is allowed under the Non-Medical (Special) scheme (applicable to NRIs and Foreign
Nationals of Indian origin) to residents of Group V, VI & VII only.

d) The plan is allowed under Mail Order business to NRIs residing in countries falling under
Residence Groups III to VII only.

e) All other underwriting rules regarding NRIS, Foreign Nationals of Indian origin and Mail Order
business remain unchanged.

11. Occupation-
The plan is allowed to male and female lives pursuing hazardous occupations. The occupation
extra to be charged are given in Annexure I to circular Ref: Actuarial/1921/4 dated 17th December,
2003.These extras are to be duly rated up as given in Point No.12 below.

12. Rating up factor for standard extras like occupation,residence extra etc.
Standard extras like occupation, residence extra etc are to be rated up by 1.25 times.

13. Keyman Insurance/Partnership Insurance/Employer Employee scheme-

The plan cannot be allowed under Keyman Insurance / Partnership Insurance. The plan can be
allowed under the Employer Employee scheme.

C) Mode of premium payment and Grace Period for payment of premium:

• The modes of premium payment allowable during the policy term are Yearly, Half Yearly, Quarterly,
and Monthly (ECS only or through salary deductions).

• A grace period of one calendar month but not less than 30 days will be allowed for payment of yearly or
half yearly or quarterly premiums and 15 days for monthly mode of premium payment.
 • If the death of the life assured occurs within the grace period but before the payment of premium then
due, the policy will be treated as inforce and the benefits will be paid after deduction of the said unpaid
premium as also the unpaid premium/s falling due before the next policy anniversary.

• If premium is not paid before the expiry of the days of grace, the Policy lapses.
• If the Policy has not lapsed and the claim is admitted in case of death under the Policy where
the mode of payment of premium is other than yearly, unpaid premium(s), if any, falling due
before the next policy anniversary shall be deducted from the claim amount.

• The above grace period will also apply to rider premiums as the rider premiums are to be paid along
with Basic premium

D) PAID UP VALUE


If after atleast three full years’ premium have been paid 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 under the
policy 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 bears to the total number of premiums
originally stipulated for in the policy i.e. Basic Sum Assured *(number of premiums paid / Total number of
premiums payable).

Hence paid up value = no of years premiums paid x basic sum assured

No of years premiums payable

Such paid-up policy 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 vested simple reversionary
bonuses shall remain attached to the reduced paid up policy.

This Paid-Up Sum Assured along with vested simple reversionary bonuses accrued till the date of policy
becoming paid-up is payable on the expiry of the policy term or on Life Assured’s prior death during policy
term.

On death of the Life Assured after expiry of the policy term only Paid-up Sum Assured shall be payable.

E) GUARANTEED SURRENDER VALUE



• The policy can be surrendered at any time provided premiums for atleast three full years’ have
been paid.
• No Guaranteed Surrender Value is applicable after payment of maturity benefit i.e after expiry of
policy term.
• The Guaranteed Surrender Value shall be a percentage of total premiums paid (net of taxes)
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 3. Kindly, note that this percentage will vary for policy term and as per duration of
the policy. As under plan 149, the percentage is not fixed as 30%. There is no need to exclude
first year premiums also.
• 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 are enclosed as Annexure 4.

In short, method for calculation of GSV will be as follows:-

1) GSV will be available after paying at least 3 full years premiums.

2) Calculate total amount of premium paid excluding the premium paid for 1) any extra 2) for accident
and disability benefit rider 3) service tax 4) for any other rider. (no need to deduct 1st year
premium)
3) Calculate duration of the surrender in actual days. (i.e date of calculation - date of commencement
of policy). This duration will help to select the policy year for deciding GSV factor applicable to total
premiums paid. For example- if duration is 3 years and 1 day, then policy year will be reckoned as
4th policy year.
4) Select the GSV factor from Ann 3 as per policy year in which policy is surrendered and policy term.
5) Multiply this factor to the total amount of premium paid as defined in step 2.This amount will be
denoted as A.
6) Now, calculate the vested simple revisionary bonus as on date of calculation of surrender. Kindly,
also verify the applicability of interim bonus in calculation of bonus.
7) Select the surrender factor from Ann 4 which will depend on policy year as defined above and policy
term.
 8) Multiply this factor to the total amount of bonus as calculated in step 6 of above. This amount will
be denoted as B.
9) Guaranteed surrender value will be = A + B.

ANN 3
Guaranteed surrender value factor to be applied to total premiums paid under
plan 815- LIC’s New JEEVAN ANAND plan

POLICY TERM
Policy
Year 15 16 17 18 19 20 21 22 23

1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%

4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

8 54.29% 53.75% 53.33% 53.00% 52.73% 52.50% 52.31% 52.14% 52.00%

9 58.57% 57.50% 56.67% 56.00% 55.45% 55.00% 54.62% 54.29% 54.00%

10 62.86% 61.25% 60.00% 59.00% 58.18% 57.50% 56.92% 56.43% 56.00%

11 67.14% 65.00% 63.33% 62.00% 60.91% 60.00% 59.23% 58.57% 58.00%

12 71.43% 68.75% 66.67% 65.00% 63.64% 62.50% 61.54% 60.71% 60.00%

13 75.71% 72.50% 70.00% 68.00% 66.36% 65.00% 63.85% 62.86% 62.00%

14 80.00% 76.25% 73.33% 71.00% 69.09% 67.50% 66.15% 65.00% 64.00%

15 80.00% 80.00% 76.67% 74.00% 71.82% 70.00% 68.46% 67.14% 66.00%

16 80.00% 80.00% 77.00% 74.55% 72.50% 70.77% 69.29% 68.00%

17 80.00% 80.00% 77.27% 75.00% 73.08% 71.43% 70.00%

18 80.00% 80.00% 77.50% 75.38% 73.57% 72.00%

19 80.00% 80.00% 77.69% 75.71% 74.00%

20 80.00% 80.00% 77.86% 76.00%

21 80.00% 80.00% 78.00%

22 80.00% 80.00%

23 80.00%

24

25

26

27

28

29

30

31

32
 Guaranteed surrender value factor to be applied to total premiums paid under
plan 815- LIC’s New Jevan Anand plan ANN- 3

POLICY POLICY TERM

YEAR
24 25 26 27 28 29 30 31 32 33 34 35

1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%

4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

8 51.88% 51.76% 51.67% 51.58% 51.50% 51.43% 51.36% 51.30% 51.25% 51.20% 51.15% 51.11%

9 53.75% 53.53% 53.33% 53.16% 53.00% 52.86% 52.73% 52.61% 52.50% 52.40% 52.31% 52.22%

10 55.63% 55.29% 55.00% 54.74% 54.50% 54.29% 54.09% 53.91% 53.75% 53.60% 53.46% 53.33%

11 57.50% 57.06% 56.67% 56.32% 56.00% 55.71% 55.45% 55.22% 55.00% 54.80% 54.62% 54.44%

12 59.38% 58.82% 58.33% 57.89% 57.50% 57.14% 56.82% 56.52% 56.25% 56.00% 55.77% 55.56%

13 61.25% 60.59% 60.00% 59.47% 59.00% 58.57% 58.18% 57.83% 57.50% 57.20% 56.92% 56.67%

14 63.13% 62.35% 61.67% 61.05% 60.50% 60.00% 59.55% 59.13% 58.75% 58.40% 58.08% 57.78%

15 65.00% 64.12% 63.33% 62.63% 62.00% 61.43% 60.91% 60.43% 60.00% 59.60% 59.23% 58.89%

16 66.88% 65.88% 65.00% 64.21% 63.50% 62.86% 62.27% 61.74% 61.25% 60.80% 60.38% 60.00%

17 68.75% 67.65% 66.67% 65.79% 65.00% 64.29% 63.64% 63.04% 62.50% 62.00% 61.54% 61.11%

18 70.63% 69.41% 68.33% 67.37% 66.50% 65.71% 65.00% 64.35% 63.75% 63.20% 62.69% 62.22%

19 72.50% 71.18% 70.00% 68.95% 68.00% 67.14% 66.36% 65.65% 65.00% 64.40% 63.85% 63.33%

20 74.38% 72.94% 71.67% 70.53% 69.50% 68.57% 67.73% 66.96% 66.25% 65.60% 65.00% 64.44%

21 76.25% 74.71% 73.33% 72.11% 71.00% 70.00% 69.09% 68.26% 67.50% 66.80% 66.15% 65.56%

22 78.13% 76.47% 75.00% 73.68% 72.50% 71.43% 70.45% 69.57% 68.75% 68.00% 67.31% 66.67%

23 80.00% 78.24% 76.67% 75.26% 74.00% 72.86% 71.82% 70.87% 70.00% 69.20% 68.46% 67.78%

24 80.00% 80.00% 78.33% 76.84% 75.50% 74.29% 73.18% 72.17% 71.25% 70.40% 69.62% 68.89%

25 80.00% 80.00% 78.42% 77.00% 75.71% 74.55% 73.48% 72.50% 71.60% 70.77% 70.00%

26 80.00% 80.00% 78.50% 77.14% 75.91% 74.78% 73.75% 72.80% 71.92% 71.11%

27 80.00% 80.00% 78.57% 77.27% 76.09% 75.00% 74.00% 73.08% 72.22%

28 80.00% 80.00% 78.64% 77.39% 76.25% 75.20% 74.23% 73.33%

29 80.00% 80.00% 78.70% 77.50% 76.40% 75.38% 74.44%

30 80.00% 80.00% 78.75% 77.60% 76.54% 75.56%

31 80.00% 80.00% 78.80% 77.69% 76.67%

32 80.00% 80.00% 78.85% 77.78%

33 80.00% 80.00% 78.89%

34 80.00% 80.00%

35 80.00%
 Ann- 4

SURRENDER VALUE FACTORS TO BE APPLIED TO VESTED BONUS FOR CALCULATION OF GSV

Under plan 815- LIC’s new Jeevan Anand plan

Policy
Year 15 16 17 18 19 20 21 22 23

1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

3 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55%

4 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72%

5 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93%

6 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22%

7 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58%

8 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03%

9 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58%

10 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58%

11 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66%

12 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85%

13 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16%

14 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60%

15 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18%

16 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93%

17 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85%

18 35.00% 30.00% 27.06% 25.05% 23.38% 21.99%

19 35.00% 30.00% 27.06% 25.05% 23.38%

20 35.00% 30.00% 27.06% 25.05%

21 35.00% 30.00% 27.06%

22 35.00% 30.00%

23 35.00%

24

25

26

27

28

29

30

31

32

33

34

35
 Ann- 4

SURRENDER VALUE FACTORS TO BE APPLIED TO VESTED BONUS FOR CALCULATION OF GSV

Under plan 815- LIC’s new Jeevan Anand plan

POLICY
POLICY TERM
YEAR
24 25 26 27 28 29 30 31 32 33 34 35

1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

3 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61% 6.01% 6.01% 3.06% 2.00%

4 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61% 6.01% 6.01% 3.06%

5 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61% 6.01% 6.01%

6 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61% 6.01%

7 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61%

8 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06%

9 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20%

10 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13%

11 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94%

12 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13%

13 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28%

14 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42%

15 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55%

16 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72%

17 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93%

18 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22%

19 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58%

20 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03%

21 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58%

22 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58%

23 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66%

24 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85%

25 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16%

26 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60%

27 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18%

28 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93%

29 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85%

30 35.00% 30.00% 27.06% 25.05% 23.38% 21.99%

31 35.00% 30.00% 27.06% 25.05% 23.38%

32 35.00% 30.00% 27.06% 25.05%

33 35.00% 30.00% 27.06%

34 35.00% 30.00%

35 35.00%
F) SPECIAL SURRENDER VALUE


I) SSV DURING THE PREMIUM PAYING TERM ( excluding the last policy year)
The procedure for determining the Special Surrender Value under this plan shall be as under:

STEP 1): Determining Paid-up Value (PUV): The Paid-up Value shall be determined as under:

Paid up Sum Assured (PUSA) = (T/N) X (Basic Sum Assured)

Paid up Value (PUV) = PUSA + Vested Bonus where

T = Number of premiums paid
N = Total number of premiums payable under the policy

STEP 2) Determine the Special Surrender Value for the Endowment Assurance Component as:

(PUV) X factor 1 ÷ 100 where

factor 1 is the SSV factor taken from Table 1A, as used for Endowment Plans. SV factor will
depend on duration and policy term of the policy.

STEP 3) Determine the Special Surrender Value for the residual life cover component as given below:

(PUSA) X v(n-d) X factor 2 ÷ 100

where
• n = Policy term in years
• d = Duration elapsed in years (to the nearest half-years) at Date of Surrender
therefore, n – d represents the outstanding term (to the nearest half-year) at the date of surrender
Nearest half-year) i.e. 3 years 2 months 29 days will be 3 years.
3 years 3 months will be 3 ½ years.
3 years 8 months 29 days will be 3 ½ years.
3 years 9 months will be 4 years.

• factor 2 is the SSV factor from Surrender value Table 2A for whole life taken for Duration 6 years &
over and Age nearest birthday at end of Policy Term ( duration should be reckoned as 6 years and
above, though actual duration may be less than 6 years)

and 1
v= or (1.08)^(-1)
(1.08)

For example if n – d = 1, then v factor shall be (1.08)^(-1) = 0.925926

n – d = 3.5, then v factor shall be (1.08)^(-3.5) = 0.763865
n – d = 6, then v factor shall be (1.08)^(-6) = 0.63017

The SSV payable would then be the sum of the amounts determined under STEP 2 and STEP 3 above.

CASE (II) Surrender on and after the expiry of Policy Term

STEP 1): Determining Paid-up Sum Assured (PUSA):

The Paid-up Value shall be determined as under:

Paid up Sum Assured (PUSA) = (T/N) X (Sum Assured)

where
T = Number of premiums paid
N = Total number of premiums payable under the policy

STEP 2) Determine the SSV as

(PUSA) X factor 3 ÷ 100 where

factor 3 is the SSV factor from Table 2A taken for Duration 6 years & over and Age nearest birthday
at Date of Surrender

A specimen illustration is shown below.

Age at Entry: 40 years

Policy Term: 15 years
Bonus: As declared by LIC
Sum Assured: Rs. 100000/-
Special Surrender Value during the Policy Term

As per co/act/2151/4 dt 7/11/2008, surrender value factors for 56 and 57 yrs premium paying term
for different durations are declared. As per this circular , if surrender value is being calculated
during last year of policy term, then discounted factors are not available. Hence it has been
clarified that SV factor during last year of premium paying term will be 0.9578. this factor is same
for all premium paying term.

Due to the peculiar design of the product, there is a possibility that the Death Benefit during the policy
term (i.e. Sum Assured plus Vested Bonus) at some durations, particularly at later durations, works out to
be less than the Surrender Value arrived at using the above procedure. Therefore, the Death benefit
payable under the policy should be taken as the higher of the Sum Assured plus Vested Bonus or the
Surrender Value calculated using the above procedure
During the last year of the policy term the Special Surrender Value shall be the discounted value of the
maturity claim amount to be payable under the policy. The interest for discounting of maturity claim amount will
be at such rate as fixed by the Corporation from time to time.

LIC’s Accidental Death and Disability Benefit Rider will not acquire any surrender value.

VALUES OF V= 1/(1.08)^ (n-d) under plan 815

THE VALUES OF V IN STEP 3 WHILE CALCULATING SSV BEFORE PREMIUM PAYING TERM( O/S TERM IS
NEAREST HALF-YEAR)

O/S TERM FACTOR O/S TERM FACTOR O/S TERM FACTOR O/S TERM FACTOR
AS ON FOR V AS ON FOR V AS ON FOR V AS ON FOR V
DATE OF DATE OF DATE OF DATE OF
SSV SSV SSV SSV
1 0.925926 15.6 0.303341 30 0.099377 44.6 0.032557
1.6 0.890973 16 0.291890 30.6 0.0995626 45 0.031328
2 0.857339 16.6 0.280872 31 0.092016 45.6 0.030145
2.6 0.824975 17 0.270269 31.6 0.088542 46 0.029007
3 0.793832 17.6 0.260066 32 0.085200 46.6 0.027912
3.6 0.763865 18 0.250249 32.6 0.081984 47 0.026859
4 0.735030 18.6 0.240802 33 0.078889 47.6 0.025845
4.6 0.707283 19 0.231712 33.6 0.075911 48 0.024869
5 0.680583 19.6 0.222965 34 0.073045 48.6 0.023930
5.6 0.654891 20 0.214548 34.6 0.070288 49 0.023027
6 0.630170 20.6 0.206449 35 0.067635 49.6 0.022158
6.6 0.606381 21 0.198656 35.6 0.065081 50 0.021321
7 0.583490 21.6 0.191157 36 0.062625 50.6 0.020516
7.6 0.561464 22 0.183941 36.6 0.060261 51 0.019742
8 0.540269 22.6 0.176997 37 0.057986 51.6 0.018997
8.6 0.519874 23 0.170315 37.6 0.055797 52 0.018280
9 0.500249 23.6 0.163886 38 0.053690 52.6 0.017589
9.6 0.481365 24 0.157699 38.6 0.051664 53 0.016925
10 0.463193 24.6 0.151746 39 0.049713 53.6 0.016287
10.6 0.445708 25 0.146018 39.6 0.047837 54 0.015672
11 0.428883 25.6 0.140506 40 0.046031 54.6 0.015080
11.6 0.412693 26 0.135202 40.6 0.044293 55 0.014511
12 0.397114 26.6 0.130098 41 0.042621 55.6 0.013963
12.6 0.382123 27 0.125187 41.6 0.041012 56 0.013436
13 0.367698 27.6 0.120461 42 0.039464 56.6 0.012929
13.6 0.353817 28 0.115914 42.6 0.037974 57 0.012441
14 0.340461 28.6 0.111538 43 0.036541
14.6 0.327609 29 0.107328 43.6 0.035161
15 0.315242 29.6 0.103276 44 0.033834
G) LOAN==>

Loan facility is available under this plan during policy term only after payment of premiums for atleast 3
full years subject to the following conditions:

a) During the Policy Term the maximum amount of loan that can be granted as a percentage of surrender
value for different policy terms are as under:

Policy Term (in years) % for inforce % for paid-up

policies policies
Upto 23 90% 80%
24 to 27 80% 70%
28 to 31 70% 60%
32 to 35 60% 50%

b) The rate of interest to be charged for the loan amount would be determined from time to time by the
Corporation.
c) No foreclosure action under fully paid-up and inforce policies shall be taken under this plan even if
there is a default in payment of loan interest. However, any loan outstanding alongwith interest shall be
recovered from the claim proceeds at the time of exit.
d) The Policy shall be assigned absolutely to and held by the Corporation as security for the repayment
of Loan and of the interest thereon;

e) 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;

f) Corporation shall be entitled to call for repayment of the Loan with all due interest by giving 3
month 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 inforce policies foreclosure action shall not
be applicable;

g) 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.

h) No loan will be available on and after end of policy term or after end of premium paying term.
During the period of free death cover, loan can not be granted under the policy though
surrender value is available.

H) OPTIONAL RIDER BENEFIT



1) Accident and Disability Benefit ( A and DB ) rider

This plan provides the following optional rider by payment of additional premium:

LIC’s Accidental Death and Disability Benefit Rider UIN (512B209V01): LIC’s Accidental Death and Disability
Benefit Rider (AD&DB) is available as an optional rider by payment of additional premium during the term of
the policy. If there be more policies than one and if the total Accident Benefit exceeds Rs.50 lakhs, the
benefits shall apply to the first Rs. 50 lakhs Sum Assured in order of date of policies issued.

If this benefit is opted for, an additional amount equal to the Accident Benefit Sum Assured is payable on
death due to accident, provided the rider is in force at the time of accident. In case of accidental permanent
disability (within 180 days from the date of accident), an amount equal to the Accident Benefit Sum Assured
will be paid in equal monthly installments spread over 10 years and future premiums for Accident Benefit
Sum Assured as well as premiums for the portion of Basic Sum Assured which is equal to Accident Benefit
Sum Assured under the policy, shall be waived. If the policy becomes a claim by 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 amount.

The premium rate for this rider is as under;

i) Rs. 1.00 per thousand Accident Benefit Sum Assured irrespective of age.
ii) Rs. 1.50 per thousand Accident Benefit Sum Assured, if the Life Assured is engaged in police duty in
any police organization other than paramilitary forces and opts for this cover while engaged in police duty.

This benefit will be available only till the policy anniversary on which the age nearer birthday of the Life
assured is 70 yrs or till the policy term, whichever is earlier.
The premium for this benefit shall not be required to be paid from the policy anniversary at which the
benefit ceases.

Accidental Death and Disability Benefit Rider shall not acquire any paid-up value and the rider benefit
will cease to apply, if policy is in lapsed condition.

Beyond the specific details as mentioned in this circular in respect of this rider, additional details i.e.
requirements of claim, definition of disability etc, may be referred from the rider circular Ref:
CO/PD/44 dated 2nd January 2014.

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) 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.

2) LIC’s new term Assurance rider :-

• LIC’s New Term Assurance Rider is available at the inception of the policy on payment of
additional premium. The additional premium for this Rider will need to be paid along with the
premium of the Basic Plan and any other rider, if opted for, during the premium paying term of
the policy. If this rider is opted for, on death of the Life Assured during the policy term an
additional amount equal to Term Assurance Rider Sum Assured shall be payable provided the
rider cover is inforce.

• If there be more policies than one and if the total Term Assurance Rider Sum Assured exceeds
Rs. 25 lakhs, the benefits shall apply to the first Rs. 25 lakhs Term Assurance Rider Sum
Assured in order of date of policies issued.

• Beyond the specific details as mentioned in this circular in respect of this rider, additional details
may be referred from the rider circular Ref: CO/PD/59 dated 3rd November 2014

3) LIC's New Critical Illness Benefit Rider UIN 512A212V01

It has been decided to introduce LIC’s New Critical Illness Benefit Rider with effect from 19th December, 2016.
This rider shall be allowed along with the base plan at inception only and shall be available currently under
the following plans for new policies to be issued on or after 19/12/2016.

1) Age at entry Minimum 18 yrs completed

Maximum 65 yrs LBD

2) policy term of Same as under base plan sub to following

rider limits
Regular premium 5 to 35 years
policies
Limited premium 10 to 35 years
policies
3) premium paying Same as under base plan sub to following
term limits
Regular premium 5 to 35 years
policies
 Limited premium 5 to ( policy term -
policies 1 ) years years

4) mode of As per base plan .Yearly, Half-yearly,

premium Quarterly, Monthly ( ECS and SSS only)
payment Single premium is not allowed.

5) age at maturity Minimum As per age and term

maximum 75 years ( NBD)
6) sum assured Minimum Rs.1,00,000 in multiple of as allowed under
base plans.
Maximum 25,00,000 ** See note below for
maximum sum
assured allowed.
7) High sum No rebate on high
assured rebates sum assured

8) Mode rebate Rebate will be allowed as per base plan

where this rider has been taken.

Note on maximum sum assured available under the rider :-

** An amount equal to the Sum Assured on Death under the base plan subject to the maximum as
fixed in the base plan but not exceeding an overall limit of Rs. 25,00,000 Critical Illness Sum
Assured taking all existing policies of the Life Assured under this rider and the Critical Illness
Sum Assured under the new proposal into consideration. This limit does not include the sum
assured under previous critical illness riders viz. Critical Illness Rider (UIN:512B202V01) and
Critical Illness Rider (UIN:512A206V01)

Benefits payable :-

I) Sickness Benefit :- On the first diagnosis of any one of the 15 Critical Illnesses mentioned below, the
Critical Illness sum assured shall be payable subject to following :-

• The Base Policy and the Rider are inforce for full cover on the date of diagnosis
• Conditions and Restrictions mentioned in the document
• Claim is incurred before the date of termination of Rider
• The claim is proved as admissible to the satisfaction of the Corporatio

The Critical Illnesses covered under this rider are:

1. Cancer of Specified Severity

2. Open Chest CABG
3. Myocardial Infarction
4. Kidney Failure Requiring Regular Dialysis
5. Major Organ /Bone Marrow Transplant (As Recipient)
6. Stroke Resulting in permanent symptoms
7. Permanent Paralysis of Limbs
8. Multiple Sclerosis with persisting symptoms
9. Aortic Surgery
10. Primary (Idiopathic) Pulmonary Hypertension
11. Alzheimer’s Disease/ Dementia
12. Blindness
13. Third Degree Burns
14. Open Heart Replacement or Repair of Heart Valves
15. Benign Brain Tumor

ii) Maturity Benefit: No maturity benefit is payable under this rider.

iii) Death Benefit: No death benefit is payable under this rider.

The procedure to admit the sickness benefit claim under this rider, premium and extra premium
rates at NB and Revival stage are given under the chapter ' Critical illness Benefit ".

I ) MATURITY BENEFITS 
1) Policies in force as on date of maturity or premiums have been paid fully for policy term
 • At the end of the policy term, if premiums for the policy term have been paid fully and policyholder
survives to the end of policy term , then maturity benefit equal to basic sum assured along with
vested simple reversionary bonus and final additional bonus, if any, shall be payable.

• Where the policy results into a maturity claim 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.

• During the last year of the policy term the Special Surrender Value shall be the discounted value of the
maturity claim amount to be payable under the policy. The interest for discounting of maturity claim
amount will be at such rate as fixed by the Corporation from time to time.

• After settlement of maturity claim where premiums have been paid/ recovered fully for the
policy term, policy document duly endorsed as per endorsement given below should be
returned to the policyholder with proper covering letter.

LIFE INSURANCE CORPORATION OF INDIA

………………….DIVISIONAL OFFICE
…………………BRANCH OFFICE CODE NO………..

Policy no……………………………

Consequent upon payment of Maturity claim under above policy on……………. Of Rs……………… In
terms of policy condition, a free death cover of Rs……………………granted .Hence forth, policy will be
free from payment of any premiums. Maturity claim/ surrender/ loan/ Accident Benefit cover will
not be available during this free death cover period.

DATE: p.SR/CHIEF/ BRANCH MANAGER

• Kindly, note that nomination will also valid during the free death cover period.
• After settlement of maturity claim, status code of the policy will be…32………

2) Policy in paid up condition 

After acquiring paid up value, if policy remains in paid up condition, then maturity benefit payable will be
only paid up value along with vested bonus.

No final additional bonus is payable.

During the last year of the policy term the Special Surrender Value shall be the discounted value of the
maturity claim amount to be payable under the policy. The interest for discounting of maturity claim amount will
be at such rate as fixed by the Corporation from time to time.

Status code will be 31

J) DEATH BENEFIT

A) Policy in-force or treated in force under claim concession during the policy term ( i.e excluding
the period of ON and after date of maturity) with or without term assurance rider.

• On death of the Life Assured during the policy term, the Death Benefit, defined as sum of
“Sum Assured on Death”, vested Simple Reversionary bonuses and Final Additional bonus, if
any, shall be payable, where “Sum Assured on Death” is higher of 125% of Basic Sum
Assured or 10 times of annualized premium. This Death Benefit (as defined above) shall not
be less than 105% of total premiums paid as on date of death.
• The premiums mentioned above exclude taxes, extra premium and rider premiums, if any.
• Due to the peculiar design of the product, there is a possibility that the Death Benefit during the
policy term (i.e. Sum Assured plus Vested Bonus) at some durations, particularly at later durations,
works out to be less than the Surrender Value arrived at using the above procedure. Therefore, the
Death benefit payable under the policy should be taken as the higher of the Sum Assured plus Vested
Bonus or the Surrender Value calculated using the above procedure

In short, for calculation of death claim under inforce policy, following steps should be taken:-
1) First calculate the value of 10 times of annual premium. The annual premium should
exclude tax, extra premium and rider premium.
 2) Compare this amount with 125% of basic sum assured under the policy. If this 125% of basic
sum assured is more than 10 times of annual premium, then take the amount of 125% of
basic sum assured for calculation. This is called ‘ sum assured on death’.
3) Calculate vested and interim bonus for basic sum assured only.
4) Calculate final additional bonus if any.
5) Total death benefit will be = sum assured on death + bonus amount.
6) Now calculate total amount of premium paid as on date of death and calculate 105% of total
amount of premium paid.
7) Death benefit will be higher of amount calculated in step 5 or step 6.

If death claim is considered after applying claim concession period where cause of death is due to
accident, then accident benefit rider sum assured is not payable. The provisions of claim concession
do not apply to optional riders like A and DB as they do not acquire any paid up value and the rider
benefits cease to apply, if policy is in lapsed condition.

If policy is issued with term assurance rider and death takes place before the FUP or within days of
grace, then along with death claim amount as stated above, additional sum equal to term assurance
rider sum assured is also payable. The provisions of claim concession do not apply to optional riders
like term assurance rider as they do not acquire any paid up value and the rider benefits cease to
apply, if policy is in lapsed condition.

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 (as mentioned in the rider circular), medical
treatment prior to the death, School/College/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.

B) POLICY IS IN PAID UP CONDITION and date of death is during policy term 

If policy is in paid up condition i.e basic or extended claim concessions are not applicable to policy as per
premium position as on date of death, then paid up value + vested simple reversionary bonus is payable
under the policy.

The benefit under Accident and disability benefit rider or new term assurance rider is not payable under
paid up policy.

C)DEATH ON & AFTER PREMIUM PAYING TERM IS OVER



• On life assured surviving the premium paying term, all premiums for premium paying term
or part thereof have been paid and sum assured or paid up value + accrued bonus have been
paid/payable as maturity claim to life assured, and if death of life assured occurs on &
after this period then an amount equal to the basic sum assured or paid up value is payable
to nominee.
• Bonus is not payable if date of death is on and after date of maturity.
• Kindly, note that accident and disability benefit rider or term assurance rider is not
available on and after date of maturity or during free death cover period.

K) CLAIM CONCESSION & CHAIRMAN’S RELAXATION RULES 1987



Basic or extended claim concessions are applicable to basic plan only and are not applicable to any term
riders i.e. accident benefit rider,

1) Basic claim concession:- if atleast three 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, Basic Sum Assured along with vested
Simple Reversionary bonuses and Final Additional bonus, if any, will be paid as if the policy had
remained in full force after deduction of (a) the premium or premiums unpaid for the basic policy
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.

2) Extended claim concession :-if at least five full years' premiums have been paid in respect of this
policy, and any subsequent premium be not duly paid, in the event of death of the Life Assured
within 12 months from the first unpaid premium, Basic Sum Assured along with vested Simple
Reversionary bonuses and Final Additional bonus, if any, will be paid as if the policy had remained in
 full force after deduction of (a) the premium or premiums unpaid for the basic policy 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 premium for the basic policy falling due before the next Policy anniversary.

These claim concessions do not apply to optional riders like Accident and disability benefit rider as they do
not acquire any paid up value and the rider benefits cease to apply, if policy is in lapsed condition

In terms of circular no CO/CRM/1023/23 dt 20/5/2016 ,The applicability or otherwise of Chairman’s relaxations

to other plans introduced subsequent to the aforesaid circular has now been reviewed. As regards applicability
of Chairman’s Relaxation Rules, 1987 and SSS ex-gratia for policies issued under new plans introduced on or
after 01.01.2014, it is informed that the same cannot be extended to policies issued under these new plans
which are guided by “IRDAI’s Product Regulations of 2013”, “File & Use of the relevant plan” and “The
Insurance Laws (Amendment) Act, 2015”.

L) REVIVAL


• If premiums are not paid within the grace period then the policy will lapse. As per circular no
co/crm/932 dt. 10/4/2014 ,The above clause has been reviewed by the Actuarial department and it
has been decided as Facility of accepting premiums with interest after the grace period but within
six months from the due date of first unpaid premium, without submission for proof of continued
insurability will be available.

• A lapsed policy may be revived during the life time of the Life Assured, but within a period of 2
consecutive years from the date of first unpaid premium and before the date of maturity, 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 half-yearly) at such rate as fixed
by the Corporation from time to time.

• The Corporation reserves the right to accept at original terms, accept at modified terms or decline
the revival of a discontinued policy. The revival of discontinued policy shall take effect only after
the same is approved by the Corporation and is specifically communicated to the Life Assured.

• 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, provided the policy is inforce,
shall be payable. The Corporation will not entertain any other claim under this policy.

• Revival of rider(s), if opted for, will be considered only along with revival of the Basic Policy, and
not in isolation

• Revival of policy after granting free death cover is not allowed/

M) ACCOUNT CODES


On introduction of the New Plans under Non Linked (PAR/Non PAR) business, it has been decided that the
accounting shall be done as per the accounting of Conventional Business (PAR / Non PAR) i.e. Life/Annuity/
Pension Plans

N) SUICIDE CLAUSE (CO/PD/63 DT 12/1/2015)

This policy shall be void

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

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.

O) SERVICE TAX 
 Under this plan, the amount of service tax as per the prevailing rates shall be payable by the
policyholder on premium(s), as and when the premiums are paid.
• Service tax as applicable from time to time and is payable by policyholder. As per circular dt.
20/12/2013 Ref: EDA/ ZDB/966 , it has been clarified that Endowment plans, service tax (including
Education Cess and HSEC) shall be charged @3.09% on new business premium (i.e. first year and
single) and 1.545% on the renewal premium. This is for F.Y. 2013-14.

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

P) COOLING OFF PERIOD 

If a 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.
The refund of premium to the Policyholder shall be subject to following deductions:
1. Stamp duty on policy;
2. Actual cost of medical examination and special reports, if any;
3. Proportionate risk premium (in respect of Base Plan and Riders, if opted for) for the period on cover
as per C.O. Circular Ref: CO/ PD/ 39 dated 31st December, 2013

Q) NOMINATION AND ASSIGNMENT



It should be ensured that a nomination is made in the policy at the proposal stage as per Section 39 of
Insurance Act, 1938. Further efforts should be made at the underwriting stage as well as on subsequent
registration so as to eliminate the possibility of presence/involvement of moral hazard to a maximum
extent. It should generally be insisted that the nominee should be spouse, children or very close relative
of the Life Assured.

On a subsequent assignment as per Section 38 of Insurance Act, 1938 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.

R) Commissions payable to the Intermediaries & Credit to Development Officer’s:

Commission rates (as a percentage of premiums net of taxes) during the policy term are as under:
Agents and Corporate Agents:
1st Year 2nd & 3rd Year Subsequent Years
25% 7.5% 5%

Bonus Commission: 40% of 1st year commission.

Brokers:
1st Year 2nd & 3rd Year Subsequent Years
30% 5% 5%

Bonus Commission: No bonus commission is payable to brokers.

Development Officer’s Credit: 100% of the first year premium net of taxes.

S) FORFEITURE IN CERTAIN EVENTS:

In case of fraud or misrepresentation, the policy shall be cancelled immediately by paying the
surrender value, subject to the fraud or misrepresentation being established by the Corporation in
accordance with Section 45 of the Insurance Act, 1938.

T) BACK-DATING INTEREST:
The policies can be dated back within the same financial year. Back-dating interest as applicable at the
time of completion of the policy (at the rate as fixed by the Corporation from time to time) will be
charged for the period in excess of one month. However, if the policy is back dated to lean months, viz.
April, May, July & August, interest is to be charged for period in excess of three months. The period
upto 14 days is to be ignored and 15 days or more is to be rounded to a month for this calculation.

Any further instructions would be issued by Actuarial Department, Central Office, as applicable from
time to time.
 U) DISCLOSURES:

At the time of sale, a client specific Benefit Illustration shall be provided to the Policyholder. Such
Benefit Illustration shall be signed by both the prospective policyholder and intermediary and shall form
part of the policy document.

ANNUAL PREMIUM RATES FOR RS. 1000 BASIC SUM ASURED UNDER PLAN 815- New Jeevan Anand

POLICY TERM

aEF! 15 16 17 18 19 20 21 22 23 24 25

18 78.55 73.10 68.30 64.05 60.25 56.80 53.75 50.95 48.40 46.05 43.95
19 78.80 73.35 68.50 64.25 60.45 57.00 53.95 51.15 48.60 46.25 44.10

20 79.05 73.60 68.75 64.50 60.65 57.25 54.15 51.35 48.80 46.45 44.30
21 79.30 73.85 69.00 64.70 60.90 57.45 54.35 51.55 49.00 46.65 44.50
22 79.60 74.10 69.25 64.95 61.15 57.70 54.60 51.75 49.20 46.85 44.70

23 79.90 74.40 69.55 65.20 61.40 57.95 54.80 52.00 49.40 47.05 44.90
24 80.20 74.70 69.80 65.50 61.65 58.20 55.05 52.25 49.65 47.30 45.15

25 80.55 75.00 70.10 65.80 61.90 58.45 55.30 52.50 49.90 47.55 45.35
 26 80.90 75.30 70.40 66.10 62.20 58.75 55.60 52.75 50.15 47.80 45.60

27 81.25 75.65 70.75 66.40 62.50 59.05 55.90 53.00 50.40 48.05 45.85

28 81.65 76.05 71.10 66.75 62.85 59.35 56.20 53.30 50.70 48.30 46.15
29 82.05 76.40 71.50 67.10 63.20 59.70 56.50 53.65 51.00 48.60 46.45

30 82.45 76.85 71.85 67.50 63.55 60.05 56.85 53.95 51.35 48.95 46.75
31 82.90 77.25 72.30 67.85 63.95 60.40 57.20 54.30 51.70 49.30 47.10

32 83.40 77.70 72.70 68.30 64.35 60.80 57.60 54.70 52.05 49.65 47.45
33 83.90 78.20 73.20 68.75 64.75 61.20 58.00 55.10 52.45 50.05 47.85
34 84.45 78.70 73.65 69.20 65.20 61.65 58.40 55.50 52.85 50.45 48.25

35 85.00 79.25 74.15 69.70 65.70 62.10 58.90 55.95 53.30 50.90 48.70

36 85.55 79.80 74.70 70.20 66.20 62.60 59.35 56.45 53.80 51.35 49.15

37 86.20 80.35 75.30 70.75 66.75 63.15 59.90 56.95 54.30 51.90 49.65
38 86.80 81.00 75.85 71.35 67.30 63.70 60.45 57.50 54.85 52.40 50.20
39 87.50 81.65 76.50 71.95 67.90 64.30 61.05 58.10 55.40 53.00 50.75

40 88.20 82.35 77.20 72.60 68.55 64.90 61.65 58.70 56.05 53.60 51.40

41 88.95 83.05 77.90 73.30 69.25 65.60 62.30 59.35 56.70 54.25 52.00

42 89.75 83.85 78.65 74.05 69.95 66.30 63.00 60.05 57.35 54.95 52.70
43 90.60 84.65 79.45 74.85 70.75 67.05 63.75 60.80 58.10 55.65 53.40

44 91.50 85.50 80.30 75.65 71.55 67.85 64.55 61.55 58.85 56.40 54.20

45 92.45 86.45 81.15 76.50 72.40 68.70 65.35 62.40 59.65 57.20 55.00
46 93.40 87.40 82.10 77.40 73.25 69.55 66.25 63.25 60.50 58.05 55.85

47 94.45 88.35 83.05 78.35 74.20 70.45 67.15 64.15 61.40 58.95 56.70
48 95.50 89.40 84.05 79.35 75.15 71.40 68.05 65.05 62.35 59.90 57.65

49 96.60 90.45 85.10 80.35 76.15 72.40 69.05 66.05 63.30 60.85 58.60
50 97.70 91.55 86.15 81.40 77.20 73.45 70.05 67.05 64.30 61.85 59.65

Note: The above premium rate is exclusive of Service Tax.

ANNUAL PREMIUM RATES FOR RS. 1000 BASIC SUM ASURED UNDER PLAN 815- New Jeevan Anand

Policy term
Age
26 27 28 29 30 31 32 33 34 35

18 41.95 40.15 38.50 36.95 35.50 34.15 32.90 31.75 30.65 29.65
19 42.15 40.35 38.65 37.10 35.65 34.30 33.05 31.90 30.80 29.80

20 42.35 40.50 38.85 37.25 35.85 34.50 33.25 32.05 30.95 29.95
21 42.50 40.70 39.00 37.45 36.00 34.65 33.40 32.25 31.15 30.10

22 42.70 40.90 39.20 37.65 36.20 34.85 33.60 32.40 31.30 30.30
23 42.90 41.10 39.40 37.85 36.35 35.00 33.75 32.60 31.50 30.50
24 43.15 41.30 39.60 38.05 36.60 35.25 33.95 32.80 31.70 30.70

25 43.35 41.50 39.80 38.25 36.80 35.45 34.20 33.00 31.95 30.90
 26 43.60 41.75 40.05 38.50 37.05 35.65 34.40 33.25 32.15 31.15

27 43.85 42.00 40.30 38.75 37.30 35.90 34.65 33.50 32.40 31.40

28 44.15 42.30 40.60 39.00 37.55 36.20 34.95 33.80 32.70 31.70
29 44.40 42.55 40.85 39.30 37.85 36.50 35.25 34.05 33.00 32.00

30 44.75 42.90 41.20 39.60 38.15 36.80 35.55 34.40 33.30 32.30
31 45.05 43.20 41.50 39.95 38.50 37.15 35.90 34.70 33.65 32.65

32 45.45 43.60 41.85 40.30 38.85 37.50 36.25 35.10 34.00 33.00
33 45.80 43.95 42.25 40.70 39.25 37.90 36.65 35.50 34.40 33.40
34 46.25 44.35 42.65 41.10 39.65 38.30 37.05 35.90 34.85 33.85

35 46.65 44.80 43.10 41.55 40.10 38.75 37.50 36.35 35.30 34.30

36 47.15 45.30 43.55 42.00 40.55 39.20 37.95 36.85 35.75 34.80

37 47.65 45.80 44.10 42.50 41.05 39.70 38.50 37.35 36.30 35.30
38 48.15 46.30 44.60 43.05 41.60 40.25 39.00 37.90 36.85 35.85
39 48.75 46.90 45.20 43.60 42.15 40.85 39.60 38.45 37.45 36.45

40 49.35 47.50 45.80 44.20 42.75 41.45 40.20 39.10 38.05 37.10

41 50.00 48.15 46.40 44.85 43.40 42.10 40.90 39.75 38.75 -

42 50.65 48.80 47.10 45.55 44.10 42.80 41.60 40.50 - -

43 51.40 49.55 47.85 46.25 44.85 43.55 42.35 - - -

44 52.15 50.30 48.60 47.05 45.60 44.30 - - - -

45 52.95 51.10 49.40 47.85 46.45 - - - - -

46 53.80 51.95 50.25 48.75 - - - - - -

47 54.70 52.85 51.15 - - - - - - -

48 55.65 53.80 - - - - - - - -

49 56.60 - - - - - - - - -
50 - - - - - - - - - -

Note: The above premium rate is exclusive of Service Tax.

CLASS I EXTRA RATES PER RS. 1000 SUM ASSURED UNDER PLAN 815- NEW JEEVAN ANAND

AA POLICY TERM/ O/S DURATION ON REVIVAL

AAGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
18 - - - - - - - - - - - - - - 0.80 0.75 0.75
19 - - - - - - - - - - - - - 0.85 0.85 0.80 0.75
20 - - - - - - - - - - - - 0.95 0.90 0.85 0.80 0.80
21 - - - - - - - - - - - 1.00 0.95 0.90 0.90 0.85 0.80
22 - - - - - - - - - - 1.10 1.05 1.00 0.95 0.90 0.90 0.85
23 - - - - - - - - - 1.25 1.15 1.10 1.05 1.00 0.95 0.90 0.90
24 - - - - - - - - 1.40 1.30 1.20 1.15 1.05 1.00 0.95 0.95 0.90
25 - - - - - - - 1.60 1.45 1.35 1.25 1.15 1.10 1.05 1.00 0.95 0.95
26 - - - - - - 1.85 1.65 1.50 1.40 1.30 1.20 1.15 1.10 1.05 1.00 0.95
27 - - - - - 2.20 1.90 1.70 1.55 1.45 1.35 1.25 1.20 1.10 1.05 1.05 1.00
28 - - - - 2.75 2.30 2.00 1.80 1.60 1.50 1.40 1.30 1.20 1.15 1.10 1.05 1.05
29 - - - 3.55 2.85 2.40 2.05 1.85 1.65 1.55 1.45 1.35 1.25 1.20 1.15 1.10 1.05
30 - - 5.10 3.70 2.95 2.50 2.15 1.90 1.75 1.60 1.50 1.40 1.30 1.25 1.20 1.15 1.10
31 - 8.80 5.30 3.85 3.05 2.60 2.25 2.00 1.80 1.65 1.55 1.45 1.35 1.30 1.25 1.20 1.15
32 29.90 9.15 5.50 4.00 3.20 2.70 2.35 2.05 1.85 1.70 1.60 1.50 1.40 1.35 1.30 1.25 1.20
33 31.15 9.50 5.75 4.20 3.30 2.80 2.40 2.15 1.95 1.80 1.65 1.55 1.45 1.40 1.35 1.30 1.25
34 32.40 9.90 6.00 4.35 3.45 2.90 2.50 2.25 2.05 1.85 1.75 1.60 1.55 1.45 1.40 1.35 1.30
 35 33.70 10.30 6.20 4.55 3.60 3.00 2.60 2.35 2.10 1.95 1.80 1.70 1.60 1.50 1.45 1.40 1.35
36 35.05 10.70 6.45 4.70 3.75 3.15 2.70 2.40 2.20 2.00 1.85 1.75 1.65 1.55 1.50 1.45 1.40
37 36.50 11.15 6.75 4.90 3.90 3.25 2.85 2.50 2.30 2.10 1.95 1.80 1.70 1.60 1.55 1.50 1.45
38 37.95 11.60 7.00 5.10 4.05 3.40 2.95 2.60 2.35 2.15 2.00 1.90 1.80 1.70 1.60 1.55 1.50
39 39.40 12.05 7.30 5.30 4.20 3.55 3.05 2.70 2.45 2.25 2.10 1.95 1.85 1.75 1.70 1.60 1.55
40 40.95 12.55 7.55 5.50 4.40 3.65 3.20 2.80 2.55 2.35 2.15 2.05 1.90 1.85 1.75 1.70 1.65
41 42.50 13.00 7.85 5.70 4.55 3.80 3.30 2.95 2.65 2.45 2.25 2.10 2.00 1.90 1.85 1.75 1.70
42 44.05 13.50 8.15 5.95 4.70 3.95 3.40 3.05 2.75 2.55 2.35 2.20 2.10 2.00 1.90 1.85 1.80
43 45.60 14.00 8.45 6.15 4.90 4.10 3.55 3.15 2.85 2.60 2.45 2.30 2.20 2.10 2.00 1.95 1.90
44 47.20 14.50 8.75 6.40 5.05 4.25 3.70 3.25 2.95 2.75 2.55 2.40 2.25 2.20 2.10 2.05 2.00
45 48.75 15.00 9.10 6.60 5.25 4.40 3.80 3.40 3.10 2.85 2.65 2.50 2.40 2.30 2.20 2.15 2.10
46 50.30 15.50 9.40 6.85 5.45 4.55 3.95 3.50 3.20 2.95 2.75 2.60 2.50 2.40 2.30 2.25 2.20
47 51.75 16.00 9.70 7.05 5.60 4.70 4.10 3.65 3.35 3.05 2.90 2.70 2.60 2.50 2.45 2.35 2.35
48 53.20 16.50 10.00 7.30 5.80 4.85 4.25 3.80 3.45 3.20 3.00 2.85 2.70 2.65 2.55 2.50 2.45
49 54.55 16.95 10.30 7.50 6.00 5.05 4.40 3.95 3.60 3.35 3.15 2.95 2.85 2.75 2.70 2.65 2.60
50 55.80 17.40 10.55 7.70 6.15 5.20 4.55 4.05 3.70 3.45 3.25 3.10 3.00 2.90 2.80 2.75 2.75
51 57.00 17.85 10.85 7.95 6.35 5.35 4.70 4.20 3.85 3.60 3.40 3.25 3.10 3.00 2.95 2.90 2.90
52 58.10 18.30 11.10 8.15 6.55 5.50 4.85 4.35 4.00 3.75 3.50 3.35 3.25 3.15 3.10 3.05 3.05
53 59.10 18.70 11.40 8.35 6.70 5.70 5.00 4.50 4.15 3.85 3.65 3.50 3.40 3.30 3.25 3.20 3.20
54 60.00 19.05 11.65 8.55 6.90 5.85 5.15 4.65 4.25 4.00 3.80 3.65 3.55 3.45 3.40 3.35 3.35
55 60.85 19.40 11.90 8.75 7.05 6.00 5.30 4.80 4.40 4.15 3.95 3.80 3.70 3.60 3.55 3.55 3.55
56 61.60 19.75 12.10 8.95 7.20 6.15 5.40 4.90 4.55 4.30 4.10 3.95 3.85 3.75 3.75 3.75 3.75
57 62.25 20.10 12.35 9.10 7.35 6.30 5.55 5.05 4.70 4.45 4.25 4.10 4.00 3.95 3.95 3.95 3.95
58 62.85 20.40 12.55 9.30 7.55 6.45 5.70 5.20 4.85 4.60 4.40 4.25 4.20 4.15 4.15 4.15 4.20
59 63.30 20.65 12.75 9.45 7.70 6.60 5.85 5.35 5.00 4.75 4.55 4.45 4.40 4.35 4.35 4.40 -
60 63.65 20.90 12.95 9.65 7.85 6.75 6.00 5.50 5.15 4.95 4.75 4.65 4.60 4.60 4.60 - -
61 63.90 21.15 13.15 9.80 8.00 6.90 6.20 5.70 5.35 5.10 4.95 4.90 4.85 4.85 - - -
62 64.00 21.40 13.30 9.95 8.15 7.05 6.35 5.85 5.55 5.35 5.20 5.15 5.15 - - - -
63 63.95 21.55 13.50 10.15 8.35 7.25 6.55 6.10 5.75 5.60 5.45 5.45 - - - - -
64 63.75 21.75 13.65 10.30 8.50 7.45 6.75 6.30 6.00 5.85 5.75 - - - - - -
65 63.35 21.85 13.80 10.45 8.70 7.65 6.95 6.55 6.30 6.15 - - - - - - -
66 62.70 21.95 13.95 10.65 8.90 7.85 7.20 6.85 6.60 - - - - - - - -
67 61.90 22.05 14.10 10.80 9.10 8.10 7.50 7.15 - - - - - - - - -
68 60.80 22.10 14.25 11.00 9.35 8.35 7.80 - - - - - - - - - -
69 59.45 22.10 14.40 11.20 9.60 8.65 - - - - - - - - - - -
70 57.90 22.05 14.50 11.40 9.85 - - - - - - - - - - - -
71 56.00 21.95 14.65 11.65 - - - - - - - - - - - - -
72 53.85 21.85 14.75 - - - - - - - - - - - - - -
73 51.35 21.75 - - - - - - - - - - - - - - -
74 48.55 - - - - - - - - - - - - - - - -
TO BE APPLIED AS PER AGE AT ENTRY OR AGE AS ON DATE OF REVIVAL

CLASS I EXTRA RATES PER RS. 1000 SUM ASSURED UNDER PLAN 815- NEW JEEVAN ANAND

POLICY TERM
18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35
18 0.70 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60
19 0.75 0.75 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.60 0.60 0.60 0.60 0.60 0.60
20 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65
21 0.80 0.80 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65
22 0.80 0.80 0.80 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65
23 0.85 0.85 0.80 0.80 0.75 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70
24 0.90 0.85 0.85 0.80 0.80 0.80 0.75 0.75 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.70 0.70 0.70
25 0.90 0.90 0.85 0.85 0.80 0.80 0.80 0.80 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
26 0.95 0.90 0.90 0.85 0.85 0.85 0.80 0.80 0.80 0.80 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
27 0.95 0.95 0.90 0.90 0.85 0.85 0.85 0.85 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80
28 1.00 0.95 0.95 0.90 0.90 0.90 0.85 0.85 0.85 0.85 0.85 0.85 0.80 0.80 0.85 0.85 0.85 0.85
29 1.05 1.00 1.00 0.95 0.95 0.90 0.90 0.90 0.90 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.90
30 1.05 1.05 1.00 1.00 0.95 0.95 0.95 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.95
31 1.10 1.05 1.05 1.00 1.00 1.00 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 1.00
32 1.15 1.10 1.10 1.05 1.05 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.05
33 1.20 1.15 1.15 1.10 1.10 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.10 1.10
34 1.25 1.20 1.15 1.15 1.15 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.15 1.15 1.15
35 1.30 1.25 1.20 1.20 1.20 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.20 1.20 1.20 1.25
36 1.35 1.30 1.25 1.25 1.25 1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.25 1.25 1.25 1.30 1.30 1.30
37 1.40 1.35 1.35 1.30 1.30 1.30 1.25 1.25 1.25 1.25 1.30 1.30 1.30 1.30 1.35 1.35 1.40 1.40
38 1.45 1.40 1.40 1.35 1.35 1.35 1.35 1.35 1.35 1.35 1.35 1.35 1.40 1.40 1.45 1.45 1.50 1.50
39 1.50 1.50 1.45 1.45 1.45 1.40 1.40 1.40 1.40 1.45 1.45 1.45 1.50 1.50 1.55 1.55 1.60 1.60
40 1.60 1.55 1.55 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.55 1.55 1.60 1.60 1.65 1.65 1.70 1.75
41 1.70 1.65 1.60 1.60 1.60 1.60 1.60 1.60 1.60 1.60 1.65 1.65 1.70 1.70 1.75 1.80 1.85 -
42 1.75 1.75 1.70 1.70 1.70 1.70 1.70 1.70 1.70 1.75 1.75 1.80 1.80 1.85 1.90 1.90 - -
43 1.85 1.85 1.80 1.80 1.80 1.80 1.80 1.80 1.85 1.85 1.85 1.90 1.95 2.00 2.00 - - -
44 1.95 1.95 1.90 1.90 1.90 1.90 1.90 1.95 1.95 2.00 2.00 2.05 2.10 2.15 - - - -
45 2.05 2.05 2.00 2.00 2.00 2.05 2.05 2.05 2.10 2.10 2.15 2.20 2.25 - - - - -
46 2.20 2.15 2.15 2.15 2.15 2.15 2.20 2.20 2.25 2.25 2.30 2.35 - - - - - -
47 2.30 2.30 2.25 2.25 2.30 2.30 2.30 2.35 2.40 2.45 2.50 - - - - - - -
48 2.45 2.40 2.40 2.40 2.45 2.45 2.50 2.50 2.55 2.60 - - - - - - - -
49 2.55 2.55 2.55 2.55 2.60 2.60 2.65 2.70 2.75 - - - - - - - - -
50 2.70 2.70 2.70 2.75 2.75 2.80 2.85 2.90 - - - - - - - - - -
51 2.85 2.85 2.90 2.90 2.95 3.00 3.05 - - - - - - - - - - -
52 3.00 3.05 3.05 3.10 3.15 3.20 - - - - - - - - - - - -
53 3.20 3.20 3.25 3.30 3.35 - - - - - - - - - - - - -
54 3.35 3.40 3.45 3.50 - - - - - - - - - - - - - -
55 3.55 3.60 3.65 - - - - - - - - - - - - - - -
56 3.75 3.80 - - - - - - - - - - - - - - - -
57 4.00 - - - - - - - - - - - - - - - - -
58 - - - - - - - - - - - - - - - - - -
59 - - - - - - - - - - - - - - - - - -
TO BE APPLIED AS PER AGE AT ENTRY OR AGE AS ON DATE OF REVIVAL

CLASS II EXTRA = TWICE CLASS I EXTRA, CLASS III EXTRA = THRICE CLASS I EXTRA, CLASS IV EXTRA= 4 TIMES CLASS I
EXTRA, CLASS V EXTRA = 6 TIMES CLASS I EXTRA,
CLASS VI EXTRA= 8 TIMES CLASS I EXTRA, CLASS VII EXTRA = 10 TIMES CLASS I EXTRA

TERM RIDER PREMIUM RATES FOR Rs.1000 sum assured

FOR POLICIES ISSUED FROM 5/11/2014 TO ……………

For plan 814, 815 and 904

AGE TERM OF POLICY

5 6 7 8 9 10 11 12 13 14 15 16
18 1.54 1.54 1.54 1.54 1.54 1.54 1.54 1.54 1.54 1.54 1.54 1.54
19 1.58 1.58 1.58 1.58 1.58 1.58 1.58 1.58 1.58 1.58 1.58 1.58
20 1.61 1.61 1.61 1.61 1.61 1.61 1.61 1.61 1.61 1.61 1.61 1.61
21 1.64 1.64 1.64 1.64 1.64 1.64 1.64 1.64 1.64 1.64 1.64 1.64
22 1.66 1.66 1.66 1.66 1.66 1.66 1.66 1.66 1.66 1.66 1.66 1.66
23 1.67 1.67 1.67 1.67 1.67 1.67 1.67 1.67 1.67 1.67 1.67 1.67
24 1.68 1.68 1.68 1.68 1.68 1.68 1.68 1.68 1.68 1.68 1.68 1.68
25 1.70 1.70 1.70 1.70 1.70 1.70 1.70 1.70 1.70 1.70 1.70 1.72
26 1.71 1.71 1.71 1.71 1.71 1.71 1.71 1.71 1.71 1.71 1.75 1.78
27 1.73 1.73 1.73 1.73 1.73 1.73 1.73 1.73 1.74 1.76 1.81 1.85
28 1.76 1.76 1.76 1.76 1.76 1.76 1.76 1.78 1.80 1.83 1.89 1.93
29 1.79 1.79 1.79 1.79 1.79 1.81 1.82 1.85 1.87 1.91 1.98 2.03
30 1.84 1.84 1.84 1.84 1.84 1.88 1.90 1.93 1.96 2.01 2.09 2.14
31 1.89 1.89 1.89 1.89 1.89 1.96 1.99 2.02 2.07 2.12 2.21 2.28
32 1.95 1.95 1.95 1.95 1.95 2.06 2.09 2.14 2.19 2.25 2.36 2.44
33 2.03 2.03 2.03 2.03 2.05 2.17 2.22 2.27 2.34 2.41 2.53 2.62
34 2.12 2.12 2.12 2.13 2.17 2.30 2.36 2.43 2.50 2.59 2.72 2.83
35 2.22 2.22 2.23 2.26 2.31 2.46 2.53 2.60 2.69 2.79 2.95 3.06
36 2.34 2.34 2.37 2.41 2.47 2.64 2.72 2.81 2.91 3.03 3.20 3.33
37 2.48 2.49 2.52 2.58 2.65 2.84 2.94 3.05 3.17 3.30 3.49 3.63
38 2.64 2.66 2.71 2.78 2.87 3.08 3.19 3.32 3.45 3.60 3.81 3.97
39 2.82 2.86 2.92 3.01 3.11 3.35 3.48 3.63 3.78 3.94 4.17 4.34
40 3.04 3.09 3.17 3.27 3.39 3.67 3.81 3.97 4.14 4.32 4.57 4.75
41 3.28 3.35 3.45 3.57 3.72 4.02 4.19 4.36 4.54 4.73 5.00 5.20
42 3.57 3.66 3.78 3.92 4.08 4.42 4.60 4.79 4.99 5.19 5.48 5.69
43 3.90 4.01 4.15 4.31 4.49 4.86 5.06 5.26 5.47 5.69 6.00 6.22
44 4.28 4.41 4.57 4.75 4.95 5.35 5.56 5.78 6.00 6.23 6.55 6.78
45 4.71 4.85 5.04 5.24 5.45 5.89 6.11 6.34 6.57 6.81 7.16 7.40
46 5.19 5.35 5.55 5.77 6.00 6.47 6.70 6.94 7.18 7.43 7.80 8.06
47 5.72 5.90 6.11 6.34 6.58 7.09 7.33 7.58 7.83 8.09 8.49 8.76
48 6.29 6.49 6.72 6.96 7.21 7.75 8.00 8.26 8.53 8.80 9.22 9.51
49 6.91 7.12 7.36 7.61 7.87 8.45 8.71 8.98 9.26 9.55 10.00 10.31
50 7.57 7.79 8.03 8.29 8.56 9.18 9.45 9.74 10.04 10.35 10.84 11.17
51 8.26 8.48 8.73 9.00 9.28 9.95 10.24 10.55 10.86 11.20 11.72 12.08
52 8.97 9.20 9.46 9.75 10.05 10.76 11.07 11.40 11.74 12.10 12.67 13.06
53 9.71 9.95 10.23 10.53 10.85 11.61 11.95 12.30 12.67 13.06 13.68 14.10
54 10.48 10.74 11.03 11.35 11.69 12.52 12.88 13.27 13.67 14.10 14.77 15.22
55 11.29 11.56 11.88 12.22 12.59 13.49 13.89 14.31 14.75 15.21 15.94 16.43
56 12.14 12.43 12.78 13.15 13.56 14.54 14.97 15.43 15.91 16.41 17.21 17.74
57 13.04 13.37 13.74 14.16 14.60 15.67 16.14 16.64 17.17 17.72 18.58 19.16
58 14.01 14.38 14.79 15.25 15.74 16.90 17.42 17.97 18.54 19.13 20.07 20.70
59 15.07 15.47 15.93 16.44 16.97 18.24 18.81 19.41 20.04 20.68 21.70 22.37
60 16.22 16.67 17.18 17.74 18.33 19.71 20.34 20.99 21.67 22.37 23.47

For plan 814, 815 and 904

TERM RIDER PREMIUM RATES FOR Rs.1000 sum assured FOR POLICIES ISSUED FROM 5/11/2014 to………

AGE TERM OF POLICY

17 18 19 20 21 22 23 24 25 26 27 28
18 1.54 1.54 1.54 1.54 1.54 1.54 1.54 1.55 1.57 1.60 1.62 1.65
19 1.58 1.58 1.58 1.58 1.58 1.58 1.58 1.60 1.63 1.65 1.69 1.72
20 1.61 1.61 1.61 1.61 1.61 1.61 1.63 1.66 1.68 1.72 1.75 1.79
21 1.64 1.64 1.64 1.64 1.64 1.66 1.68 1.71 1.75 1.79 1.83 1.88
22 1.66 1.66 1.66 1.66 1.68 1.71 1.75 1.78 1.82 1.87 1.92 1.97
23 1.67 1.67 1.68 1.71 1.74 1.78 1.82 1.86 1.91 1.96 2.01 2.07
24 1.69 1.71 1.74 1.77 1.81 1.85 1.90 1.95 2.00 2.06 2.12 2.19
25 1.74 1.77 1.81 1.85 1.89 1.94 1.99 2.05 2.11 2.18 2.25 2.33
26 1.81 1.84 1.88 1.93 1.98 2.04 2.10 2.17 2.24 2.31 2.39 2.48
27 1.88 1.93 1.98 2.03 2.09 2.15 2.22 2.30 2.38 2.47 2.56 2.65
28 1.98 2.03 2.08 2.15 2.21 2.29 2.37 2.46 2.55 2.64 2.74 2.84
29 2.08 2.14 2.21 2.28 2.36 2.45 2.54 2.63 2.73 2.83 2.94 3.04
30 2.21 2.28 2.35 2.44 2.53 2.62 2.72 2.83 2.94 3.05 3.16 3.28
31 2.35 2.43 2.52 2.62 2.72 2.82 2.94 3.05 3.17 3.29 3.41 3.53
32 2.52 2.61 2.72 2.82 2.93 3.05 3.17 3.30 3.42 3.55 3.68 3.81
33 2.72 2.82 2.93 3.05 3.18 3.30 3.43 3.57 3.70 3.84 3.97 4.11
34 2.94 3.06 3.18 3.31 3.45 3.58 3.72 3.87 4.01 4.15 4.30 4.45
35 3.19 3.32 3.46 3.60 3.74 3.89 4.04 4.19 4.34 4.50 4.65 4.81
36 3.47 3.62 3.76 3.92 4.07 4.23 4.39 4.55 4.71 4.87 5.04 5.21
37 3.79 3.94 4.10 4.27 4.43 4.60 4.77 4.94 5.11 5.28 5.46 5.64
38 4.13 4.30 4.48 4.65 4.82 5.00 5.18 5.36 5.54 5.73 5.92 6.11
39 4.52 4.70 4.88 5.07 5.25 5.44 5.63 5.82 6.02 6.21 6.42 6.62
40 4.94 5.13 5.32 5.52 5.72 5.91 6.12 6.32 6.53 6.74 6.96 7.18
41 5.40 5.60 5.80 6.01 6.22 6.43 6.65 6.86 7.09 7.31 7.54 7.78
42 5.90 6.11 6.33 6.54 6.76 6.99 7.22 7.45 7.69 7.93 8.18 8.43
43 6.44 6.66 6.89 7.12 7.36 7.60 7.84 8.09 8.35 8.61 8.87 9.14
44 7.02 7.26 7.50 7.74 7.99 8.25 8.51 8.78 9.05 9.33 9.62 9.90
45 7.64 7.90 8.15 8.41 8.68 8.96 9.24 9.53 9.82 10.12 10.42 10.73
46 8.32 8.58 8.86 9.14 9.43 9.72 10.02 10.33 10.65 10.96 11.29 11.61
47 9.04 9.32 9.62 9.92 10.23 10.54 10.87 11.20 11.53 11.87 12.22 12.57
48 9.81 10.11 10.43 10.75 11.08 11.42 11.77 12.13 12.49 12.85 13.22 0
49 10.63 10.96 11.30 11.65 12.00 12.37 12.74 13.12 13.51 13.89 0
50 11.51 11.86 12.23 12.61 12.99 13.38 13.78 14.19 14.60 0
51 12.45 12.83 13.23 13.63 14.05 14.47 14.90 15.33 0
52 13.46 13.87 14.30 14.73 15.18 15.63 16.09 0
53 14.53 14.98 15.44 15.91 16.39 16.87 0
54 15.69 16.18 16.67 17.18 17.69
55 16.94 17.46 18.00 18.54 0
56 18.29 18.85 19.43 0
57 19.75 20.36 0
58 21.34 0
TERM RIDER PREMIUM RATES FOR Rs.1000 sum assured FOR POLICIES ISSUED FROM 5/11/2014 to ……

AGE TERM OF POLICY

29 30 31 32 33 34 35
18 1.69 1.72 1.76 1.80 1.85 1.90 1.95
19 1.76 1.80 1.85 1.89 1.95 2.00 2.06
20 1.84 1.89 1.94 1.99 2.05 2.11 2.17
21 1.93 1.98 2.04 2.10 2.16 2.23 2.30
22 2.03 2.09 2.15 2.22 2.29 2.36 2.43
23 2.14 2.21 2.28 2.35 2.43 2.50 2.58
24 2.26 2.34 2.42 2.50 2.58 2.66 2.74
25 2.41 2.49 2.57 2.66 2.74 2.83 2.92
26 2.56 2.65 2.74 2.84 2.93 3.02 3.12
27 2.74 2.84 2.93 3.03 3.13 3.23 3.33
28 2.94 3.04 3.14 3.25 3.35 3.46 3.57
29 3.15 3.26 3.37 3.49 3.60 3.71 3.83
30 3.39 3.51 3.63 3.75 3.87 3.99 4.11
31 3.65 3.78 3.90 4.03 4.16 4.29 4.42
32 3.94 4.07 4.21 4.34 4.48 4.62 4.76
33 4.25 4.40 4.54 4.68 4.83 4.98 5.13
34 4.60 4.75 4.90 5.06 5.21 5.38 5.54
35 4.97 5.13 5.30 5.46 5.63 5.80 5.98
36 5.38 5.55 5.73 5.90 6.09 6.27 6.45
37 5.82 6.01 6.19 6.38 6.58 6.77 6.97
38 6.30 6.50 6.70 6.91 7.11 7.32 7.53
39 6.83 7.04 7.26 7.47 7.69 7.92 8.14
40 7.40 7.63 7.86 8.09 8.32 8.56 8.79
41 8.02 8.26 8.50 8.75 9.00 9.25
42 8.69 8.95 9.21 9.47 9.73
43 9.41 9.69 9.97 10.24 0
44 10.19 10.49 10.78 0
45 11.04 11.35 0
46 11.94 0

LIC’s New term assurance rider Class I extra– premium rates applicable for plan 814 ,815, 904

Co/pd/92 dt 13/2/2017
Plan 814/815/904- Class I extra premium rates for TERM RIDER fOR Rs.1000 sum assured
FOR POLICIES ISSUED FROM 13/02/2017 to ....................... for NB only
Age at entry
Policy term
5 6 7 8 9 10 11 12 13 14 15 16 17 18
18 0.26 0.26 0.26 0.26 0.27 0.28 0.28 0.28 0.28 0.28 0.29 0.29 0.29 0.29
19 0.27 0.27 0.27 0.27 0.27 0.29 0.29 0.29 0.29 0.29 0.29 0.30 0.30 0.30
20 0.28 0.28 0.28 0.28 0.28 0.29 0.29 0.29 0.29 0.30 0.30 0.30 0.31 0.31
21 0.28 0.28 0.28 0.28 0.28 0.29 0.30 0.30 0.30 0.30 0.31 0.31 0.32 0.32
22 0.28 0.28 0.29 0.29 0.29 0.30 0.30 0.30 0.31 0.31 0.32 0.32 0.32 0.33
23 0.29 0.29 0.29 0.29 0.29 0.30 0.31 0.31 0.31 0.32 0.33 0.33 0.34 0.34
24 0.29 0.29 0.29 0.30 0.30 0.31 0.31 0.32 0.32 0.32 0.33 0.34 0.35 0.35
25 0.30 0.30 0.30 0.30 0.30 0.32 0.32 0.32 0.33 0.34 0.35 0.35 0.36 0.37
26 0.30 0.30 0.30 0.31 0.31 0.33 0.33 0.33 0.34 0.35 0.36 0.37 0.38 0.39
27 0.31 0.31 0.31 0.31 0.32 0.34 0.34 0.35 0.35 0.36 0.38 0.38 0.40 0.41
28 0.31 0.32 0.32 0.32 0.33 0.35 0.35 0.36 0.37 0.38 0.40 0.41 0.42 0.43
29 0.32 0.32 0.33 0.34 0.34 0.36 0.37 0.38 0.39 0.40 0.42 0.43 0.45 0.46
30 0.33 0.33 0.34 0.35 0.36 0.38 0.39 0.40 0.41 0.42 0.44 0.46 0.48 0.49
31 0.34 0.35 0.36 0.37 0.38 0.40 0.41 0.42 0.44 0.45 0.48 0.49 0.51 0.53
32 0.36 0.37 0.38 0.39 0.40 0.42 0.44 0.45 0.47 0.49 0.51 0.53 0.55 0.58
33 0.38 0.39 0.40 0.41 0.42 0.45 0.47 0.49 0.50 0.52 0.55 0.57 0.60 0.63
34 0.40 0.41 0.42 0.44 0.45 0.49 0.50 0.52 0.54 0.57 0.60 0.63 0.65 0.68
35 0.43 0.44 0.45 0.47 0.49 0.52 0.54 0.57 0.59 0.62 0.65 0.69 0.72 0.75
36 0.46 0.47 0.49 0.51 0.53 0.57 0.59 0.62 0.65 0.67 0.72 0.75 0.78 0.82
37 0.49 0.51 0.53 0.55 0.57 0.62 0.65 0.68 0.71 0.74 0.79 0.82 0.86 0.90
38 0.53 0.55 0.57 0.60 0.62 0.68 0.71 0.74 0.78 0.82 0.87 0.91 0.95 0.99
39 0.58 0.60 0.63 0.65 0.69 0.75 0.78 0.82 0.86 0.90 0.95 1.00 1.04 1.08
40 0.63 0.66 0.69 0.72 0.76 0.82 0.86 0.91 0.95 0.99 1.05 1.10 1.14 1.18
41 0.69 0.72 0.76 0.80 0.84 0.91 0.95 1.00 1.05 1.09 1.16 1.20 1.25 1.30
42 0.76 0.80 0.84 0.88 0.93 1.01 1.06 1.11 1.16 1.20 1.27 1.32 1.37 1.42
43 0.85 0.89 0.93 0.98 1.03 1.12 1.17 1.22 1.28 1.33 1.40 1.45 1.50 1.55
44 0.94 0.99 1.04 1.09 1.14 1.24 1.30 1.35 1.40 1.46 1.54 1.59 1.64 1.69
45 1.05 1.10 1.15 1.21 1.26 1.37 1.43 1.49 1.54 1.60 1.68 1.74 1.79 1.84
46 1.17 1.22 1.28 1.34 1.40 1.52 1.58 1.63 1.69 1.75 1.84 1.89 1.95 2.01
47 1.30 1.36 1.42 1.48 1.55 1.67 1.73 1.79 1.85 1.91 2.00 2.06 2.12 2.18
48 1.44 1.51 1.57 1.63 1.70 1.83 1.90 1.96 2.02 2.08 2.18 2.25 2.31 2.37
49 1.60 1.66 1.73 1.79 1.86 2.01 2.07 2.14 2.20 2.27 2.37 2.44 2.50 2.57
50 1.76 1.83 1.90 1.96 2.03 2.19 2.26 2.32 2.39 2.46 2.57 2.64 2.71 2.78
51 1.93 2.00 2.07 2.14 2.21 2.38 2.45 2.52 2.59 2.66 2.79 2.86 2.93 3.00
52 2.11 2.18 2.25 2.33 2.40 2.58 2.65 2.73 2.80 2.88 3.01 3.09 3.16 3.24
53 2.30 2.37 2.44 2.52 2.60 2.79 2.87 2.95 3.03 3.11 3.25 3.33 3.42 3.49
54 2.49 2.56 2.64 2.72 2.81 3.01 3.10 3.18 3.27 3.36 3.51 3.59 3.68 3.76
55 2.69 2.77 2.85 2.94 3.03 3.25 3.34 3.43 3.53 3.62 3.78 3.87 3.96 4.05
56 2.90 2.99 3.07 3.17 3.26 3.51 3.60 3.70 3.80 3.90 4.07 4.17 4.26 4.35
57 3.13 3.22 3.31 3.41 3.52 3.78 3.89 3.99 4.10 4.20 4.39 4.49 4.59 4.67
58 3.37 3.47 3.57 3.68 3.79 4.08 4.19 4.31 4.42 4.53 4.73 4.83 4.93 -
59 3.63 3.74 3.85 3.97 4.10 4.41 4.53 4.65 4.77 4.89 5.10 5.20 - -
60 3.92 4.04 4.16 4.29 4.43 4.76 4.89 5.02 5.15 5.27 5.49 - - -
61 4.23 4.36 4.50 4.64 4.78 5.15 5.29 5.42 5.56 5.68 - - - -
62 4.58 4.72 4.87 5.02 5.18 5.58 5.72 5.87 6.00 - - - - -
63 4.96 5.11 5.28 5.44 5.61 6.04 6.20 6.34 - - - - - -
64 5.38 5.55 5.72 5.90 6.07 6.55 6.71 - - - - - - -
65 5.84 6.02 6.21 6.40 6.59 7.10 - - - - - - - -
66 6.35 6.54 6.75 6.95 7.14 - - - - - - - - -
67 6.90 7.11 7.33 7.54 - - - - - - - - - -
68 7.51 7.74 7.96 - - - - - - - - - - -
69 8.17 8.41 - - - - - - - - - - - -
70 8.89 - - - - - - - - - - - - -

Plan 814/815/904- Class I extra premium rates for TERM RIDER fOR Rs.1000 sum assured
FOR POLICIES ISSUED FROM 13/02/2017 to ....................... for NB only

19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

18 0.30 0.30 0.30 0.31 0.31 0.32 0.32 0.33 0.34 0.34 0.35 0.36 0.37 0.38 0.39 0.40 0.41

19 0.31 0.31 0.31 0.32 0.32 0.33 0.34 0.34 0.35 0.36 0.37 0.38 0.39 0.40 0.41 0.42 0.44

20 0.32 0.32 0.33 0.33 0.34 0.34 0.35 0.36 0.37 0.38 0.39 0.40 0.41 0.42 0.44 0.45 0.46

21 0.33 0.33 0.34 0.34 0.35 0.36 0.37 0.38 0.39 0.40 0.41 0.42 0.43 0.45 0.46 0.48 0.49

22 0.34 0.34 0.35 0.36 0.36 0.38 0.39 0.39 0.41 0.42 0.43 0.45 0.46 0.48 0.49 0.51 0.52
23 0.35 0.36 0.36 0.37 0.38 0.39 0.40 0.42 0.43 0.45 0.46 0.47 0.49 0.51 0.52 0.54 0.56

24 0.36 0.37 0.38 0.39 0.40 0.41 0.43 0.44 0.46 0.47 0.49 0.51 0.52 0.54 0.56 0.58 0.59

25 0.38 0.39 0.40 0.41 0.42 0.44 0.45 0.47 0.49 0.50 0.52 0.54 0.56 0.58 0.60 0.62 0.63

26 0.40 0.41 0.42 0.44 0.45 0.47 0.48 0.50 0.52 0.54 0.56 0.58 0.60 0.62 0.64 0.66 0.68

27 0.42 0.43 0.45 0.47 0.48 0.50 0.52 0.54 0.56 0.58 0.60 0.62 0.64 0.66 0.68 0.70 0.72

28 0.45 0.46 0.48 0.50 0.52 0.54 0.56 0.58 0.60 0.62 0.64 0.67 0.69 0.71 0.73 0.75 0.77

29 0.48 0.50 0.51 0.53 0.56 0.58 0.60 0.63 0.65 0.67 0.70 0.72 0.74 0.76 0.79 0.81 0.83

30 0.51 0.53 0.55 0.58 0.60 0.63 0.65 0.67 0.70 0.72 0.75 0.77 0.80 0.82 0.84 0.87 0.89

31 0.55 0.58 0.60 0.63 0.65 0.68 0.70 0.73 0.76 0.78 0.81 0.83 0.86 0.88 0.91 0.93 0.96

32 0.60 0.63 0.65 0.68 0.71 0.74 0.76 0.79 0.82 0.85 0.87 0.90 0.93 0.95 0.98 1.00 1.03

33 0.65 0.68 0.71 0.74 0.77 0.80 0.83 0.86 0.89 0.92 0.95 0.97 1.00 1.03 1.05 1.08 1.10

34 0.71 0.74 0.77 0.81 0.84 0.87 0.90 0.93 0.96 0.99 1.02 1.05 1.08 1.11 1.13 1.16 1.18

35 0.78 0.81 0.85 0.88 0.91 0.95 0.98 1.01 1.04 1.07 1.10 1.13 1.16 1.19 1.22 1.25 1.27

36 0.86 0.89 0.93 0.96 0.99 1.03 1.06 1.10 1.13 1.16 1.19 1.23 1.25 1.29 1.31 1.34 1.37

37 0.94 0.97 1.01 1.05 1.08 1.12 1.15 1.19 1.22 1.26 1.29 1.32 1.36 1.39 1.41 1.44 1.47

38 1.02 1.06 1.10 1.14 1.18 1.22 1.26 1.29 1.33 1.36 1.40 1.43 1.46 1.49 1.52 1.55 1.57

39 1.12 1.16 1.20 1.24 1.28 1.32 1.36 1.40 1.44 1.47 1.51 1.54 1.57 1.61 1.64 1.66 1.69

40 1.23 1.27 1.31 1.36 1.40 1.44 1.48 1.52 1.55 1.59 1.63 1.66 1.70 1.73 1.76 1.78 1.81

41 1.34 1.39 1.43 1.47 1.52 1.56 1.60 1.64 1.68 1.72 1.76 1.79 1.83 1.86 1.89 1.91 -

42 1.46 1.51 1.56 1.60 1.65 1.69 1.74 1.78 1.82 1.86 1.90 1.93 1.97 2.00 2.02 - -

43 1.60 1.65 1.70 1.74 1.79 1.84 1.88 1.93 1.97 2.01 2.05 2.08 2.11 2.14 - - -

44 1.74 1.79 1.85 1.89 1.94 1.99 2.04 2.08 2.13 2.17 2.21 2.24 2.27 - - - -

45 1.90 1.95 2.00 2.06 2.11 2.16 2.21 2.25 2.30 2.34 2.37 2.41 - - - - -

46 2.06 2.12 2.17 2.23 2.28 2.33 2.38 2.43 2.47 2.51 2.55 - - - - - -

47 2.24 2.30 2.36 2.41 2.47 2.52 2.57 2.62 2.66 2.70 - - - - - - -

48 2.43 2.49 2.55 2.61 2.67 2.72 2.77 2.82 2.86 - - - - - - - -

49 2.63 2.70 2.76 2.82 2.88 2.93 2.98 3.03 - - - - - - - - -

50 2.85 2.91 2.98 3.04 3.10 3.15 3.20 - - - - - - - - - -

51 3.07 3.14 3.21 3.27 3.33 3.39 - - - - - - - - - - -

52 3.31 3.39 3.45 3.52 3.58 - - - - - - - - - - - -

53 3.57 3.64 3.71 3.78 - - - - - - - - - - - - -

54 3.84 3.92 3.98 - - - - - - - - - - - - - -

55 4.13 4.20 - - - - - - - - - - - - - - -

56 4.43 - - - - - - - - - - - - - - - -

57 - - - - - - - - - - - - - - - - -

- - - - - - - - - - - - - - - - -

Plan 814/815/904- Class I extra premium rates for TERM RIDER fOR Rs.1000 sum assured
FOR POLICIES ISSUED FROM 13/02/2017 to ....................... for Revival of policies only

# Outstanding Policy Term as on date of revival

#REF! <=1 2 3 4 5 6 7 8 9 10 11 12 13
18 - - - - - - - - - - - - -
19 - - - 0.25 0.26 0.26 0.26 0.27 0.27 0.27 0.27 0.27 0.27
20 - - 0.26 0.26 0.26 0.27 0.27 0.27 0.27 0.28 0.28 0.28 0.28
21 - 0.26 0.27 0.27 0.27 0.27 0.27 0.27 0.28 0.28 0.28 0.29 0.29
22 0.26 0.27 0.27 0.27 0.27 0.28 0.28 0.28 0.28 0.29 0.29 0.29 0.29
23 0.27 0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.29 0.29 0.29 0.30 0.30
24 0.28 0.28 0.28 0.28 0.28 0.28 0.29 0.29 0.29 0.30 0.30 0.30 0.31
 25 0.28 0.28 0.28 0.28 0.28 0.29 0.29 0.29 0.30 0.30 0.31 0.31 0.32
26 0.28 0.28 0.28 0.29 0.29 0.29 0.30 0.30 0.30 0.31 0.31 0.32 0.33
27 0.28 0.29 0.29 0.29 0.29 0.30 0.30 0.31 0.31 0.32 0.32 0.33 0.34
28 0.29 0.29 0.29 0.30 0.30 0.30 0.31 0.31 0.32 0.33 0.34 0.35 0.35
29 0.29 0.30 0.30 0.30 0.31 0.31 0.32 0.33 0.33 0.34 0.35 0.36 0.37
30 0.30 0.30 0.31 0.31 0.32 0.33 0.33 0.34 0.35 0.36 0.37 0.38 0.39
31 0.30 0.31 0.32 0.33 0.33 0.34 0.35 0.36 0.37 0.38 0.39 0.41 0.42
32 0.31 0.32 0.33 0.34 0.35 0.36 0.36 0.38 0.39 0.40 0.42 0.43 0.45
33 0.32 0.34 0.35 0.35 0.37 0.38 0.39 0.40 0.41 0.43 0.45 0.47 0.48
34 0.34 0.35 0.36 0.37 0.39 0.40 0.41 0.43 0.44 0.46 0.48 0.50 0.52
35 0.36 0.37 0.38 0.40 0.41 0.43 0.44 0.46 0.48 0.50 0.52 0.54 0.57
36 0.38 0.40 0.41 0.42 0.44 0.46 0.47 0.49 0.52 0.54 0.57 0.59 0.62
37 0.40 0.42 0.44 0.46 0.47 0.49 0.51 0.53 0.56 0.59 0.62 0.65 0.68
38 0.43 0.45 0.47 0.49 0.51 0.53 0.56 0.58 0.61 0.65 0.68 0.71 0.75
39 0.46 0.49 0.51 0.53 0.56 0.58 0.61 0.64 0.67 0.71 0.75 0.78 0.82
40 0.50 0.53 0.56 0.58 0.61 0.64 0.67 0.70 0.74 0.78 0.82 0.87 0.91
41 0.55 0.58 0.61 0.64 0.67 0.70 0.74 0.78 0.82 0.87 0.91 0.96 1.00
42 0.59 0.64 0.67 0.70 0.74 0.78 0.82 0.86 0.91 0.96 1.01 1.06 1.11
43 0.65 0.70 0.73 0.77 0.81 0.86 0.90 0.95 1.01 1.06 1.12 1.17 1.22
44 0.72 0.77 0.82 0.86 0.91 0.96 1.01 1.06 1.11 1.18 1.23 1.29 1.34
45 0.80 0.86 0.91 0.96 1.01 1.06 1.12 1.18 1.24 1.30 1.36 1.42 1.48
46 0.89 0.96 1.01 1.07 1.12 1.18 1.24 1.30 1.37 1.44 1.50 1.56 1.62
47 0.99 1.07 1.13 1.19 1.25 1.31 1.38 1.44 1.51 1.59 1.65 1.71 1.77
48 1.10 1.19 1.26 1.32 1.39 1.46 1.53 1.59 1.66 1.74 1.80 1.87 1.93
49 1.23 1.33 1.40 1.47 1.54 1.61 1.68 1.75 1.82 1.90 1.97 2.04 2.10
50 1.37 1.47 1.55 1.62 1.70 1.77 1.84 1.91 1.99 2.07 2.14 2.21 2.28
51 1.52 1.63 1.71 1.78 1.86 1.94 2.01 2.09 2.16 2.25 2.33 2.40 2.47
52 1.68 1.79 1.87 1.95 2.03 2.11 2.19 2.27 2.34 2.44 2.52 2.60 2.68
53 1.84 1.96 2.04 2.13 2.21 2.29 2.37 2.45 2.54 2.64 2.72 2.81 2.89
54 2.01 2.14 2.22 2.31 2.39 2.48 2.57 2.65 2.74 2.85 2.94 3.03 3.12
55 2.19 2.32 2.41 2.50 2.59 2.68 2.77 2.86 2.95 3.07 3.17 3.26 3.36
56 2.37 2.51 2.60 2.70 2.79 2.89 2.98 3.08 3.18 3.31 3.42 3.52 3.62
57 2.56 2.71 2.81 2.91 3.01 3.11 3.22 3.32 3.43 3.57 3.68 3.79 3.90
58 2.76 2.92 3.02 3.13 3.24 3.35 3.47 3.58 3.70 3.85 3.97 4.09 4.20
59 2.97 3.14 3.25 3.37 3.49 3.61 3.74 3.86 3.99 4.16 4.28 4.41 4.53
60 3.20 3.38 3.51 3.64 3.77 3.90 4.04 4.17 4.31 4.49 4.62 4.76 4.88
61 3.44 3.65 3.78 3.93 4.07 4.21 4.36 4.51 4.66 4.85 4.99 5.13 5.27
62 3.72 3.94 4.09 4.24 4.40 4.56 4.72 4.88 5.04 5.24 5.40 5.54 5.68
63 4.02 4.26 4.42 4.59 4.76 4.94 5.11 5.28 5.46 5.68 5.84 5.99 -
64 4.35 4.61 4.80 4.98 5.17 5.36 5.54 5.73 5.91 6.15 6.31 - -
65 4.71 5.00 5.20 5.40 5.61 5.81 6.01 6.21 6.40 6.65 - - -
66 5.12 5.43 5.65 5.87 6.09 6.31 6.53 6.74 6.94 - - - -
67 5.56 5.91 6.14 6.38 6.62 6.86 7.09 7.31 - - - - -
68 6.05 6.43 6.68 6.94 7.20 7.45 7.69 - - - - - -
69 6.58 6.99 7.27 7.55 7.83 8.10 - - - - - - -
70 7.16 7.61 7.92 8.22 8.51 - - - - - - - -
71 7.80 8.29 8.62 8.94 - - - - - - - - -
72 8.50 9.03 9.39 - - - - - - - - - -
73 9.26 9.83 - - - - - - - - - - -
>=74 10.08 - - - - - - - - - - - -

Plan 814/815/904- Class I extra premium rates for TERM RIDER fOR Rs.1000 sum assured
FOR POLICIES ISSUED FROM 13/02/2017 to ....................... for Revival of policies only
age Outstanding policy term as on revival
14 15 16 17 18 19 20 21 22 23 24 25 26
18 - - - - - - - - - - - - -
19 0.28 0.28 0.28 0.29 0.29 0.29 0.30 0.30 0.31 0.31 0.32 0.32 0.33
20 0.28 0.29 0.29 0.29 0.30 0.30 0.31 0.31 0.32 0.32 0.33 0.34 0.35
21 0.29 0.29 0.30 0.30 0.31 0.31 0.32 0.32 0.33 0.34 0.34 0.35 0.36
22 0.30 0.30 0.30 0.31 0.32 0.32 0.33 0.34 0.34 0.35 0.36 0.37 0.38
23 0.31 0.31 0.31 0.32 0.33 0.33 0.34 0.35 0.36 0.37 0.38 0.39 0.40
24 0.31 0.32 0.33 0.33 0.34 0.35 0.35 0.37 0.37 0.39 0.40 0.41 0.43
25 0.32 0.33 0.34 0.34 0.35 0.36 0.37 0.38 0.39 0.41 0.42 0.44 0.45
26 0.33 0.34 0.35 0.36 0.37 0.38 0.39 0.40 0.42 0.43 0.45 0.47 0.48
27 0.35 0.36 0.37 0.38 0.39 0.40 0.42 0.43 0.44 0.46 0.48 0.50 0.52
28 0.36 0.38 0.39 0.40 0.41 0.43 0.44 0.46 0.48 0.49 0.52 0.54 0.56
29 0.38 0.40 0.41 0.42 0.44 0.46 0.47 0.49 0.51 0.53 0.56 0.58 0.60
30 0.41 0.42 0.44 0.45 0.47 0.49 0.51 0.53 0.55 0.58 0.60 0.63 0.65
31 0.43 0.45 0.47 0.49 0.51 0.53 0.55 0.57 0.60 0.62 0.65 0.68 0.70
32 0.47 0.48 0.50 0.53 0.55 0.57 0.60 0.63 0.65 0.68 0.71 0.73 0.76
33 0.50 0.52 0.55 0.57 0.60 0.63 0.65 0.68 0.71 0.74 0.77 0.80 0.83
34 0.54 0.57 0.59 0.62 0.65 0.68 0.71 0.74 0.77 0.80 0.84 0.87 0.89
35 0.59 0.62 0.65 0.68 0.71 0.75 0.78 0.81 0.84 0.88 0.91 0.94 0.97
36 0.65 0.68 0.71 0.75 0.78 0.81 0.85 0.88 0.92 0.95 0.99 1.02 1.05
37 0.71 0.75 0.78 0.82 0.86 0.89 0.93 0.96 1.00 1.04 1.07 1.11 1.14
38 0.78 0.82 0.86 0.90 0.94 0.98 1.02 1.05 1.09 1.13 1.17 1.20 1.24
39 0.86 0.90 0.95 0.99 1.03 1.07 1.11 1.15 1.19 1.23 1.27 1.30 1.34
40 0.95 1.00 1.04 1.08 1.13 1.17 1.21 1.25 1.29 1.33 1.38 1.42 1.45
41 1.05 1.09 1.14 1.19 1.23 1.28 1.32 1.37 1.41 1.45 1.49 1.53 1.57
42 1.16 1.20 1.25 1.30 1.35 1.40 1.44 1.49 1.53 1.58 1.62 1.66 1.70
43 1.27 1.32 1.37 1.42 1.47 1.52 1.57 1.62 1.66 1.71 1.76 1.80 1.84
44 1.40 1.45 1.50 1.56 1.61 1.66 1.71 1.76 1.81 1.86 1.90 1.95 1.99
45 1.53 1.59 1.64 1.70 1.75 1.80 1.86 1.91 1.96 2.01 2.06 2.10 2.15
46 1.68 1.74 1.79 1.85 1.91 1.96 2.02 2.07 2.12 2.17 2.23 2.27 2.32
47 1.83 1.89 1.95 2.01 2.07 2.13 2.19 2.24 2.30 2.35 2.40 2.45 2.50
48 2.00 2.06 2.12 2.18 2.25 2.31 2.37 2.43 2.48 2.54 2.59 2.64 2.69
49 2.17 2.24 2.30 2.37 2.43 2.50 2.56 2.62 2.68 2.74 2.79 2.84 2.88
50 2.35 2.42 2.49 2.56 2.63 2.70 2.76 2.83 2.89 2.95 3.00 3.05 -
51 2.55 2.62 2.70 2.77 2.84 2.91 2.98 3.04 3.11 3.16 3.21 - -
52 2.75 2.83 2.91 2.99 3.06 3.14 3.20 3.27 3.33 3.39 - - -
53 2.97 3.06 3.14 3.22 3.30 3.37 3.44 3.51 3.58 - - - -
54 3.20 3.29 3.38 3.47 3.55 3.62 3.70 3.77 - - - - -
55 3.45 3.55 3.64 3.73 3.81 3.89 3.96 - - - - - -
56 3.72 3.82 3.91 4.01 4.09 4.17 - - - - - - -
57 4.01 4.11 4.21 4.30 4.39 - - - - - - - -
58 4.31 4.42 4.52 4.62 - - - - - - - - -
59 4.65 4.76 4.87 - - - - - - - - - -
60 5.01 5.12 - - - - - - - - - - -
61 5.39 - - - - - - - - - - - -

Plan 814/815/904- Class I extra premium rates for TERM RIDER fOR Rs.1000 sum assured
FOR POLICIES ISSUED FROM 13/02/2017 to ....................... for Revival of policies only

age Outstanding policy term as on revival

27 28 29 30 31 32 33 34
18 - - - - - - - -
19 0.34 0.35 0.35 0.36 0.38 0.39 0.40 0.41
20 0.35 0.36 0.37 0.38 0.40 0.41 0.42 0.43
 21 0.37 0.38 0.39 0.41 0.42 0.43 0.45 0.46
22 0.39 0.40 0.42 0.43 0.44 0.46 0.47 0.49
23 0.41 0.43 0.44 0.46 0.47 0.49 0.51 0.52
24 0.44 0.46 0.47 0.49 0.51 0.52 0.54 0.56
25 0.47 0.49 0.50 0.52 0.54 0.56 0.58 0.59
26 0.50 0.52 0.54 0.56 0.58 0.60 0.61 0.63
27 0.54 0.56 0.58 0.60 0.62 0.64 0.66 0.68
28 0.58 0.60 0.62 0.64 0.67 0.68 0.71 0.73
29 0.62 0.65 0.67 0.69 0.71 0.74 0.76 0.78
30 0.67 0.70 0.72 0.75 0.77 0.79 0.82 0.84
31 0.73 0.75 0.78 0.80 0.83 0.85 0.87 0.90
32 0.79 0.81 0.84 0.87 0.89 0.92 0.94 0.97
33 0.85 0.88 0.91 0.94 0.96 0.99 1.01 1.04
34 0.92 0.95 0.98 1.01 1.04 1.06 1.09 1.12
35 1.00 1.03 1.06 1.09 1.12 1.15 1.17 1.20
36 1.08 1.12 1.15 1.18 1.21 1.23 1.26 1.29
37 1.18 1.21 1.24 1.27 1.30 1.33 1.36 1.39
38 1.27 1.31 1.34 1.37 1.40 1.43 1.46 1.49
39 1.38 1.41 1.45 1.48 1.51 1.54 1.57 1.60
40 1.49 1.53 1.56 1.60 1.63 1.66 1.69 1.71
41 1.61 1.65 1.69 1.72 1.75 1.78 1.81 1.83
42 1.74 1.78 1.82 1.85 1.89 1.91 1.94 -
43 1.88 1.92 1.96 1.99 2.02 2.05 - -
44 2.03 2.07 2.11 2.14 2.17 - - -
45 2.19 2.23 2.27 2.30 - - - -
46 2.36 2.40 2.44 - - - - -
47 2.54 2.58 - - - - - -
48 2.73 - - - - - - -
- - - - - - - -

LIC’s New term assurance rider Class I extra– premium rates applicable for plan 814 ,815, 904

Class I extra premium rates for TERM RIDER fOR Rs.1000 sum assured
FOR POLICIES ISSUED FROM 5/11/2014 TO 12/02/2017

AGE TERM OF POLICY

1 2 3 4 5 6 7 8 9 10 11 12
18 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27
19 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29
20 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30
21 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31
22 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32
23 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33
24 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33
25 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33
26 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34
27 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34
28 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34
29 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.36 0.36 0.35
30 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36
31 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37
32 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38
33 0.39 0.39 0.39 0.39 0.39 0.39 0.39 0.39 0.39 0.39 0.39 0.39
34 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41
35 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43
36 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46
37 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49
38 0.52 0.52 0.52 0.52 0.52 0.52 0.52 0.52 0.52 0.52 0.52 0.52
39 0.56 0.56 0.56 0.56 0.56 0.58 0.58 0.58 0.58 0.56 0.58 0.62
40 0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.65 0.74
41 0.66 0.66 0.66 0.66 0.66 0.66 0.66 0.66 0.66 0.71 0.79 0.88
42 0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.85 0.94 1.03
43 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.81 1.00 1.10 1.20
44 0.88 0.88 0.88 0.88 0.88 0.88 0.88 0.88 0.96 1.16 1.26 1.35
45 0.97 0.97 0.97 0.97 0.97 0.97 0.97 1.00 1.11 1.33 1.43 1.49
46 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.15 1.27 1.51 1.58 1.63
47 1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.32 1.44 1.67 1.73 1.79
48 1.34 1.34 1.34 1.34 1.34 1.34 1.34 1.48 1.61 1.83 1.90 1.96
49 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.65 1.78 2.01 2.07 2.14
50 1.67 1.67 1.67 1.67 1.67 1.67 1.67 1.82 1.96 2.19 2.25 2.32
51 1.85 1.85 1.85 1.85 1.85 1.85 1.85 1.99 2.14 2.38 2.45 2.62
52 2.04 2.04 2.04 2.04 2.04 2.04 2.04 2.17 2.32 2.58 2.65 2.73
53 2.24 2.24 2.24 2.24 2.24 2.24 2.24 2.36 2.52 2.79 2.87 2.95
54 2.45 2.45 2.45 2.45 2.45 2.45 2.45 2.57 2.73 3.01 3.10 3.18
55 2.66 2.66 2.66 2.66 2.66 2.66 2.66 2.79 2.97 3.25 3.34 3.43
56 2.88 2.88 2.88 2.88 2.88 2.88 2.88 3.03 3.22 3.51 3.60 3.70
57 3.11 3.11 3.11 3.11 3.11 3.11 3.11 3.29 3.51 3.78 3.89 3.99
58 3.35 3.35 3.35 3.35 3.35 3.35 3.37 3.59 3.79 4.08 4.19 4.31
59 3.61 3.61 3.61 3.61 3.61 3.61 3.68 3.92 4.10 4.41 4.53 4.65
60 3.89 3.89 3.89 3.89 3.89 3.89 4.02 4.29 4.43 4.76 4.89 5.02
61 4.19 4.19 4.19 4.19 4.19 4.19 4.40 4.64 4.78 5.15 5.29 5.42
62 4.52 4.52 4.52 4.52 4.52 4.52 4.82 5.02 5.18 5.58 5.72 5.87
63 4.89 4.89 4.89 4.89 4.89 4.94 5.27 5.44 5.61 6.04 6.20 6.34
64 5.29 5.29 5.29 5.29 5.29 5.41 5.72 5.90 6.07 6.55 6.71 0
65 5.73 5.73 5.73 5.73 5.73 5.92 6.21 6.40 6.59 7.10 0
66 6.23 6.23 6.23 6.23 6.23 6.49 6.75 6.95 7.14 0
67 6.77 6.77 6.77 6.77 6.77 7.10 7.33 7.54 0
68 7.36 7.36 7.36 7.36 7.36 7.74 7.96 0
69 8.01 8.01 8.01 8.01 8.01 8.41 0
70 8.72 8.72 8.72 8.72 8.72 0
71 9.50 9.50 9.50 9.50 0
72 10.34 10.34 10.34 0
73 11.27 11.27 0
74 12.27

Class I extra premium rates for TERM RIDER fOR Rs.1000 sum assured for plan 814/815/904
FOR POLICIES ISSUED FROM 5/11/2014 TO 12/2/2017

AGE TERM OF POLICY

13 14 15 16 17 18 19 20 21 22 23 24
18 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27
19 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29
20 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30
21 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31
22 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32
23 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33
24 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33
25 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33
26 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34
27 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34
28 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34
29 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35
30 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.38 0.43
31 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.42 0.47 0.53
32 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.41 0.46 0.52 0.58 0.64
33 0.39 0.39 0.39 0.39 0.39 0.39 0.45 0.51 0.57 0.63 0.69 0.75
34 0.41 0.41 0.41 0.41 0.43 0.49 0.55 0.61 0.68 0.74 0.81 0.87
35 0.43 0.43 0.43 0.47 0.53 0.60 0.66 0.73 0.80 0.87 0.91 0.95
36 0.46 0.46 0.51 0.58 0.64 0.72 0.79 0.86 0.93 0.96 0.99 1.03
37 0.49 0.53 0.62 0.69 0.77 0.85 0.92 0.97 1.01 1.05 1.08 1.12
38 0.57 0.65 0.75 0.83 0.91 0.99 1.02 1.06 1.10 1.14 1.18 1.22
39 0.69 0.77 0.89 0.97 1.04 1.08 1.12 1.16 1.20 1.24 1.28 1.32
40 0.83 0.91 1.04 1.10 1.14 1.18 1.23 1.27 1.31 1.36 1.40 1.44
41 0.97 1.07 1.16 1.20 1.25 1.30 1.34 1.39 1.43 1.47 1.52 1.56
42 1.13 1.20 1.27 1.32 1.37 1.42 1.46 1.51 1.56 1.60 1.65 1.69
43 1.28 1.33 1.40 1.46 1.50 1.55 1.60 1.65 1.70 1.74 1.79 1.84
44 1.40 1.46 1.54 1.59 1.64 1.69 1.74 1.79 1.85 1.89 1.94 1.99
45 1.54 1.60 1.68 1.74 1.79 1.84 1.90 1.95 2.00 2.06 2.11 2.16
46 1.69 1.75 1.84 1.89 1.95 2.01 2.06 2.12 2.17 2.23 2.28 2.33
47 1.85 1.91 2.00 2.06 2.12 2.18 2.24 2.30 2.36 2.41 2.47 2.52
48 2.02 2.08 2.18 2.25 2.31 2.37 2.43 2.49 2.55 2.61 2.67 2.72
49 2.20 2.27 2.37 2.44 2.50 2.57 2.63 2.70 2.76 2.82 2.86 2.93
50 2.39 2.46 2.57 2.64 2.71 2.78 2.85 2.91 2.98 3.04 3.10 3.15
51 2.59 2.66 2.79 2.86 2.93 3.00 3.07 3.14 3.21 3.27 3.33 3.39
52 2.80 2.88 3.01 3.09 3.16 3.24 3.31 3.39 3.45 3.52 3.58 0
53 3.03 3.11 3.25 3.33 3.42 3.49 3.57 3.64 3.71 3.78
54 3.27 3.36 3.51 3.59 3.68 3.76 3.84 3.92 3.98 0
55 3.53 3.62 3.78 3.87 3.96 4.05 4.13 4.20 0
56 3.80 3.90 4.07 4.17 4.26 4.35 4.43 0
57 4.10 4.20 4.39 4.49 4.59 4.67 0
58 4.42 4.53 4.73 4.83 4.93 0
59 4.77 4.89 5.10 5.20 0
60 5.15 5.27 5.49 0
61 5.58 5.88 0
62 6.00 0

Class I extra premium rates for TERM RIDER fOR Rs.1000 sum assured for plan 814/815/904
FOR POLICIES ISSUED FROM 5/11/2014 TO 12/2/2017

AGE TERM OF POLICY

25 26 27 28 29 30 31 32 33 34 35
18 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27 0.27
19 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29 0.29
20 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30
21 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31
22 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32
23 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33
24 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.36 0.40
25 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.36 0.40 0.44 0.48
26 0.34 0.34 0.34 0.34 0.34 0.36 0.40 0.44 0.48 0.53 0.57
27 0.34 0.34 0.34 0.35 0.40 0.44 0.49 0.53 0.58 0.62 0.67
28 0.34 0.35 0.39 0.44 0.49 0.53 0.58 0.63 0.68 0.73 0.77
29 0.39 0.44 .049 0.54 0.59 0.64 0.69 0.74 0.79 0.81 0.83
30 0.48 0.53 0.59 0.64 0.69 0.75 0.80 0.82 0.84 0.87 0.89
31 0.58 0.64 0.69 0.75 0.81 0.83 0.86 0.88 0.91 0.93 0.96
32 0.69 0.75 0.81 0.85 0.87 0.90 0.93 0.95 0.98 1.00 1.03
33 0.82 0.86 0.89 0.92 0.95 0.97 1.00 1.03 1.05 1.08 1.10
34 0.90 0.93 0.96 0.99 1.02 1.05 1.08 1.11 1.13 1.16 1.18
35 0.98 1.01 1.04 1.07 1.10 1.13 1.16 1.19 1.22 1.25 1.27
36 1.06 1.10 1.13 1.16 1.19 1.23 1.25 1.29 1.31 1.34 1.37
37 1.15 1.19 1.22 1.26 1.29 1.32 1.36 1.39 1.41 1.44 1.47
38 1.26 1.29 1.33 1.36 1.40 1.43 1.46 1.49 1.52 1.55 1.57
39 1.36 1.40 1.44 1.47 1.51 1.54 1.57 1.61 1.64 1.66 1.69
40 1.48 1.52 1.55 1.59 1.63 1.66 1.70 1.73 1.76 1.78 1.81
41 1.60 1.64 1.68 1.72 1.76 1.79 1.83 1.86 1.89 1.91 0
42 1.74 1.78 1.82 1.86 1.90 1.93 1.97 2.00 2.02 0
43 1.88 1.93 1.97 2.01 2.05 2.08 2.11 2.14 0
44 2.04 2.08 2.13 2.17 2.21 2.24 2.27 0
45 2.21 2.25 2.30 2.34 2.37 2.41 0
46 2.38 2.43 2.47 2.51 2.55 0
47 2.57 2.62 2.66 2.70 0
48 2.77 2.82 2.86 0
49 2.98 3.03 0
50 3.20 0
0

Tabular Annual Premium for Rs. 1000/- Critical Illness Sum Assured plan 814/815/838- Male lives w.e.f.
19/12/2016 to ......................

Tabular Annual Premium for Rs. 1000/- Critical Illness Sum Assured (Regular Premium) plan 814/815/838- Male lives

Applicable for
1) Male Lives
1) Existing plans 814, 815 & 838
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

AGE POLICY TERM --->

5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
18 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.02 1.05
19 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.06 1.08 1.12
20 1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.09 1.12 1.16 1.20
21 1.11 1.11 1.11 1.11 1.11 1.11 1.11 1.11 1.11 1.11 1.11 1.13 1.16 1.20 1.24 1.29
22 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.18 1.21 1.25 1.29 1.34 1.40
23 1.18 1.18 1.18 1.18 1.18 1.18 1.18 1.18 1.17 1.20 1.25 1.29 1.34 1.40 1.45 1.51
24 1.22 1.22 1.22 1.22 1.22 1.22 1.22 1.22 1.25 1.28 1.35 1.40 1.45 1.51 1.57 1.64
25 1.26 1.26 1.26 1.26 1.26 1.26 1.27 1.30 1.34 1.38 1.45 1.51 1.57 1.64 1.71 1.78
26 1.31 1.31 1.31 1.31 1.31 1.33 1.36 1.39 1.44 1.49 1.58 1.64 1.71 1.78 1.86 1.93
27 1.37 1.37 1.37 1.37 1.37 1.43 1.46 1.51 1.56 1.63 1.72 1.79 1.87 1.94 2.02 2.10
28 1.44 1.44 1.44 1.44 1.45 1.54 1.58 1.64 1.71 1.78 1.88 1.96 2.04 2.12 2.21 2.29
29 1.53 1.53 1.53 1.53 1.56 1.67 1.73 1.80 1.87 1.95 2.06 2.14 2.23 2.32 2.41 2.51
30 1.63 1.63 1.63 1.65 1.70 1.82 1.89 1.97 2.05 2.14 2.26 2.34 2.44 2.53 2.63 2.74
31 1.75 1.75 1.76 1.80 1.86 2.01 2.08 2.17 2.26 2.34 2.47 2.57 2.67 2.77 2.89 3.01
32 1.88 1.88 1.91 1.97 2.05 2.21 2.29 2.38 2.47 2.57 2.71 2.81 2.92 3.04 3.17 3.31
33 2.03 2.05 2.10 2.17 2.25 2.44 2.53 2.62 2.72 2.82 2.97 3.08 3.21 3.35 3.49 3.63
34 2.22 2.26 2.32 2.40 2.49 2.68 2.78 2.88 2.98 3.09 3.26 3.39 3.53 3.68 3.82 3.98
35 2.44 2.49 2.56 2.65 2.74 2.95 3.05 3.15 3.26 3.39 3.58 3.73 3.88 4.03 4.19 4.36
36 2.70 2.75 2.83 2.92 3.02 3.24 3.34 3.45 3.58 3.72 3.94 4.10 4.26 4.42 4.60 4.77
37 2.98 3.05 3.12 3.21 3.31 3.55 3.66 3.79 3.94 4.10 4.33 4.49 4.67 4.85 5.03 5.22
38 3.30 3.35 3.43 3.52 3.63 3.88 4.01 4.16 4.33 4.50 4.74 4.93 5.11 5.31 5.50 5.70
39 3.61 3.66 3.74 3.85 3.96 4.25 4.40 4.57 4.75 4.93 5.19 5.39 5.59 5.79 6.00 6.21
40 3.92 3.98 4.07 4.18 4.31 4.65 4.82 5.00 5.19 5.39 5.68 5.88 6.09 6.31 6.53 6.75
41 4.24 4.31 4.40 4.54 4.70 5.08 5.26 5.46 5.66 5.87 6.18 6.40 6.63 6.85 7.09 7.32
42 4.59 4.66 4.79 4.95 5.14 5.55 5.74 5.96 6.18 6.40 6.73 6.96 7.20 7.44 7.69 7.93
43 4.93 5.04 5.20 5.40 5.61 6.04 6.26 6.49 6.72 6.96 7.31 7.56 7.81 8.07 8.32 8.57
44 5.34 5.49 5.69 5.90 6.11 6.59 6.83 7.07 7.32 7.57 7.95 8.21 8.47 8.73 8.99 9.25
45 5.83 6.02 6.22 6.44 6.68 7.20 7.44 7.70 7.96 8.23 8.63 8.90 9.18 9.45 9.72 9.98
46 6.39 6.59 6.80 7.04 7.30 7.85 8.11 8.38 8.65 8.93 9.36 9.65 9.92 10.20 10.48 10.76
47 7.01 7.20 7.44 7.70 7.96 8.56 8.83 9.11 9.40 9.69 10.14 10.43 10.72 11.01 11.30 11.58
48 7.68 7.90 8.15 8.41 8.69 9.32 9.61 9.90 10.21 10.51 10.98 11.27 11.57 11.87 12.16 12.44
49 8.40 8.62 8.88 9.15 9.44 10.12 10.42 10.73 11.04 11.35 11.84 12.15 12.45 12.75 13.04 13.33
50 9.13 9.36 9.63 9.92 10.23 10.96 11.27 11.59 11.90 12.22 12.74 13.05 13.36 13.66 13.95 14.24
51 9.87 10.12 10.40 10.71 11.04 11.82 12.14 12.46 12.79 13.12 13.66 13.98 14.29 14.59 14.88 15.20
52 10.68 10.93 11.24 11.57 11.91 12.73 13.06 13.39 13.72 14.06 14.62 14.94 15.25 15.55 15.88 16.20
53 11.53 11.81 12.13 12.47 12.83 13.69 14.02 14.36 14.71 15.05 15.63 15.94 16.25 16.59 16.92 17.24
54 12.42 12.72 13.05 13.40 13.75 14.67 15.01 15.37 15.71 16.05 16.65 16.96 17.31 17.65 17.98 18.31
55 13.35 13.67 14.01 14.36 14.72 15.69 16.05 16.40 16.74 17.08 17.69 18.05 18.40 18.74 19.08 19.41
56 14.34 14.66 15.00 15.36 15.74 16.77 17.12 17.46 17.80 18.14 18.82 19.18 19.53 19.88 20.22 -
57 15.37 15.67 16.02 16.39 16.79 17.86 18.20 18.55 18.88 19.27 19.97 20.33 20.70 21.05 - -
58 16.42 16.73 17.09 17.49 17.87 18.98 19.32 19.66 20.06 20.44 21.16 21.54 21.90 - - -
59 17.49 17.81 18.20 18.58 18.96 20.11 20.44 20.85 21.24 21.63 22.38 22.76 - - - -
60 18.58 18.93 19.30 19.67 20.05 21.24 21.65 22.05 22.45 22.85 23.63 - - - - -
61 19.72 20.06 20.41 20.78 21.15 22.48 22.88 23.29 23.70 24.10 - - - - - -
62 20.86 21.18 21.53 21.89 22.36 23.73 24.14 24.56 24.97 - - - - - - -
63 22.03 22.33 22.67 23.15 23.60 25.05 25.46 25.88 - - - - - - - -
64 23.19 23.47 23.95 24.41 24.88 26.39 26.81 - - - - - - - - -
65 24.33 24.79 25.24 25.71 26.19 27.76 - - - - - - - - - -

Tabular Annual Premium for Rs. 1000/- Critical Illness Sum Assured (Regular Premium) MALE
Applicable for
1) Male Lives
1) Existing plans 814, 815 & 838
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

Age 21 22 23 24 25 26 27 28 29 30 31 32 33 34
18 1.08 1.12 1.16 1.21 1.25 1.30 1.35 1.40 1.45 1.50 1.56 1.62 1.68 1.75
19 1.16 1.20 1.25 1.30 1.34 1.40 1.45 1.50 1.56 1.62 1.68 1.75 1.82 1.88
20 1.24 1.29 1.34 1.40 1.45 1.50 1.56 1.62 1.68 1.75 1.82 1.89 1.96 2.04
21 1.34 1.40 1.45 1.51 1.57 1.63 1.69 1.75 1.82 1.90 1.97 2.05 2.13 2.21
22 1.45 1.51 1.57 1.63 1.69 1.76 1.83 1.90 1.98 2.06 2.14 2.23 2.31 2.40
23 1.57 1.63 1.70 1.77 1.83 1.91 1.98 2.07 2.15 2.24 2.33 2.42 2.51 2.60
24 1.70 1.77 1.84 1.91 1.99 2.07 2.16 2.25 2.34 2.43 2.53 2.62 2.72 2.82
25 1.85 1.92 2.00 2.08 2.16 2.26 2.35 2.44 2.54 2.64 2.75 2.85 2.95 3.06
26 2.01 2.09 2.17 2.26 2.36 2.46 2.56 2.66 2.77 2.88 2.98 3.09 3.21 3.32
27 2.19 2.28 2.37 2.47 2.58 2.68 2.79 2.90 3.02 3.13 3.25 3.36 3.48 3.60
28 2.39 2.49 2.59 2.70 2.81 2.93 3.05 3.17 3.29 3.41 3.53 3.66 3.78 3.90
29 2.61 2.72 2.84 2.95 3.08 3.20 3.33 3.45 3.58 3.71 3.84 3.97 4.10 4.23
30 2.86 2.98 3.11 3.23 3.36 3.50 3.63 3.76 3.90 4.04 4.18 4.31 4.45 4.58
31 3.14 3.27 3.40 3.54 3.68 3.82 3.96 4.10 4.25 4.39 4.54 4.68 4.82 4.96
32 3.44 3.58 3.73 3.87 4.02 4.17 4.32 4.47 4.62 4.77 4.92 5.07 5.22 5.36
33 3.77 3.92 4.08 4.23 4.39 4.55 4.71 4.86 5.02 5.18 5.34 5.49 5.64 5.79
34 4.14 4.30 4.46 4.62 4.79 4.95 5.12 5.29 5.45 5.62 5.78 5.94 6.09 6.24
35 4.53 4.70 4.87 5.04 5.22 5.39 5.57 5.74 5.91 6.08 6.25 6.41 6.57 6.72
36 4.95 5.13 5.31 5.50 5.68 5.86 6.04 6.22 6.40 6.58 6.75 6.92 7.08 7.23
37 5.41 5.60 5.79 5.98 6.18 6.36 6.55 6.74 6.92 7.10 7.28 7.45 7.61 7.78
38 5.90 6.10 6.30 6.50 6.70 6.90 7.09 7.29 7.47 7.66 7.83 8.00 8.18 8.35
39 6.42 6.63 6.84 7.05 7.25 7.46 7.66 7.86 8.05 8.24 8.41 8.60 8.78 8.95
40 6.97 7.19 7.41 7.62 7.84 8.05 8.26 8.46 8.65 8.84 9.03 9.22 9.40 9.57
41 7.55 7.78 8.00 8.23 8.45 8.67 8.88 9.08 9.28 9.48 9.67 9.86 10.05 10.23
42 8.17 8.40 8.64 8.87 9.10 9.32 9.53 9.73 9.95 10.15 10.35 10.55 10.73 -
43 8.81 9.06 9.30 9.54 9.77 9.99 10.21 10.43 10.65 10.85 11.06 11.25 - -
44 9.51 9.76 10.01 10.25 10.48 10.71 10.94 11.17 11.39 11.60 11.80 - - -
45 10.25 10.51 10.76 11.00 11.23 11.48 11.72 11.94 12.17 12.38 - - - -
46 11.03 11.29 11.54 11.79 12.04 12.29 12.53 12.76 12.99 - - - - -
47 11.85 12.11 12.36 12.63 12.89 13.14 13.38 13.62 - - - - - -
48 12.71 12.98 13.26 13.52 13.78 14.04 14.28 - - - - - - -
49 13.60 13.89 14.17 14.44 14.71 14.96 - - - - - - - -
50 14.54 14.83 15.12 15.39 15.66 - - - - - - - - -
51 15.50 15.80 16.09 16.37 - - - - - - - - - -
52 16.50 16.81 17.10 - - - - - - - - - - -
53 17.55 17.85 - - - - - - - - - - - -
54 18.62 - - - - - - - - - - - - -
55 - - - - - - - - - - - - - -

Tabular Annual Premium for Rs. 1000/- Critical Illness Sum Assured FEMALE

Applicable for
1) Female Lives
1) Existing plans 814, 815 & 838
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

AGE POLICY TERM --->

5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
18 1.02 1.02 1.02 1.02 1.02 1.02 1.02 1.02 1.02 1.02 1.03 1.06 1.08 1.11 1.15 1.18
19 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.05 1.10 1.12 1.16 1.19 1.23 1.27
20 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.10 1.12 1.17 1.20 1.24 1.28 1.32 1.36
21 1.13 1.13 1.13 1.13 1.13 1.13 1.13 1.15 1.17 1.20 1.26 1.29 1.33 1.38 1.42 1.47
22 1.19 1.19 1.19 1.19 1.19 1.19 1.21 1.23 1.26 1.30 1.35 1.39 1.44 1.49 1.54 1.59
23 1.24 1.24 1.24 1.24 1.24 1.27 1.29 1.32 1.36 1.40 1.46 1.51 1.55 1.61 1.66 1.71
24 1.32 1.32 1.32 1.32 1.32 1.36 1.39 1.43 1.46 1.51 1.58 1.63 1.68 1.74 1.79 1.85
25 1.40 1.40 1.40 1.40 1.40 1.47 1.50 1.54 1.58 1.63 1.71 1.76 1.82 1.88 1.94 2.00
26 1.49 1.49 1.49 1.49 1.49 1.58 1.62 1.66 1.71 1.76 1.85 1.91 1.97 2.03 2.09 2.16
27 1.58 1.58 1.58 1.58 1.61 1.71 1.75 1.80 1.85 1.91 2.00 2.06 2.13 2.19 2.26 2.32
28 1.69 1.69 1.69 1.70 1.74 1.85 1.90 1.95 2.01 2.07 2.17 2.23 2.30 2.37 2.44 2.51
29 1.81 1.81 1.81 1.83 1.88 2.00 2.05 2.11 2.18 2.24 2.34 2.41 2.48 2.55 2.62 2.70
30 1.93 1.93 1.94 1.98 2.03 2.16 2.22 2.29 2.35 2.42 2.52 2.60 2.67 2.75 2.83 2.91
31 2.07 2.07 2.10 2.14 2.19 2.34 2.41 2.47 2.54 2.61 2.72 2.80 2.88 2.96 3.05 3.13
32 2.23 2.24 2.27 2.32 2.38 2.54 2.60 2.67 2.74 2.81 2.94 3.02 3.10 3.19 3.28 3.37
33 2.41 2.42 2.46 2.51 2.58 2.74 2.81 2.88 2.95 3.03 3.16 3.25 3.34 3.44 3.53 3.63
34 2.60 2.62 2.66 2.73 2.78 2.96 3.03 3.10 3.18 3.27 3.41 3.50 3.60 3.70 3.80 3.90
35 2.81 2.83 2.88 2.93 3.00 3.19 3.26 3.34 3.42 3.51 3.67 3.77 3.87 3.97 4.08 4.18
36 3.03 3.06 3.10 3.16 3.22 3.43 3.50 3.59 3.68 3.78 3.94 4.04 4.15 4.26 4.37 4.48
37 3.27 3.29 3.33 3.39 3.46 3.68 3.76 3.85 3.95 4.06 4.23 4.34 4.45 4.56 4.67 4.79
38 3.50 3.52 3.57 3.63 3.71 3.94 4.03 4.13 4.24 4.35 4.53 4.65 4.76 4.88 4.99 5.11
39 3.74 3.76 3.81 3.89 3.97 4.22 4.32 4.43 4.54 4.66 4.85 4.96 5.08 5.20 5.32 5.44
40 3.98 4.01 4.07 4.15 4.24 4.52 4.63 4.74 4.86 4.98 5.17 5.30 5.42 5.55 5.67 5.80
41 4.24 4.28 4.34 4.43 4.54 4.83 4.94 5.06 5.19 5.31 5.52 5.65 5.77 5.90 6.03 6.17
42 4.49 4.53 4.62 4.72 4.84 5.15 5.27 5.39 5.52 5.65 5.87 6.00 6.13 6.27 6.41 6.55
43 4.78 4.84 4.94 5.05 5.17 5.50 5.63 5.75 5.89 6.02 6.25 6.39 6.53 6.67 6.81 6.96
44 5.11 5.18 5.29 5.40 5.53 5.88 6.00 6.14 6.27 6.41 6.65 6.79 6.94 7.09 7.24 7.38
45 5.46 5.54 5.65 5.77 5.90 6.27 6.40 6.54 6.67 6.81 7.07 7.22 7.37 7.53 7.67 7.81
46 5.83 5.92 6.03 6.15 6.28 6.68 6.81 6.95 7.09 7.24 7.51 7.67 7.82 7.98 8.12 8.26
47 6.23 6.32 6.43 6.55 6.69 7.10 7.24 7.38 7.53 7.69 7.97 8.14 8.29 8.44 8.58 8.71
48 6.65 6.74 6.84 6.98 7.12 7.55 7.68 7.84 8.00 8.16 8.46 8.62 8.76 8.91 9.05 9.18
49 7.07 7.15 7.27 7.41 7.55 8.00 8.15 8.31 8.48 8.65 8.95 9.10 9.24 9.38 9.52 9.65
50 7.49 7.59 7.71 7.84 7.99 8.47 8.63 8.80 8.97 9.13 9.44 9.58 9.73 9.86 9.99 10.12
51 7.92 8.02 8.14 8.28 8.45 8.96 9.12 9.30 9.46 9.62 9.93 10.07 10.20 10.34 10.47 10.64
52 8.38 8.47 8.60 8.76 8.93 9.47 9.64 9.81 9.96 10.12 10.43 10.56 10.70 10.83 11.00 11.17
53 8.83 8.93 9.08 9.25 9.44 10.00 10.16 10.32 10.47 10.62 10.92 11.06 11.19 11.37 11.55 11.72
54 9.30 9.42 9.59 9.77 9.96 10.53 10.68 10.83 10.98 11.11 11.43 11.56 11.75 11.93 12.11 12.29
55 9.82 9.96 10.13 10.31 10.49 11.07 11.22 11.35 11.49 11.62 11.95 12.13 12.32 12.51 12.69 12.87
56 10.36 10.50 10.68 10.85 11.01 11.61 11.74 11.86 12.00 12.13 12.52 12.71 12.90 13.09 13.28 -
57 10.92 11.07 11.23 11.38 11.53 12.13 12.25 12.38 12.51 12.71 13.11 13.31 13.50 13.69 - -
58 11.53 11.65 11.78 11.92 12.05 12.66 12.78 12.90 13.10 13.31 13.73 13.93 14.12 - - -
59 12.13 12.21 12.32 12.44 12.56 13.19 13.31 13.51 13.71 13.93 14.36 14.56 - - - -
60 12.67 12.74 12.83 12.93 13.05 13.70 13.91 14.11 14.33 14.55 14.99 - - - - -
61 13.17 13.22 13.29 13.39 13.52 14.30 14.51 14.73 14.95 15.16 - - - - - -
62 13.62 13.65 13.73 13.84 14.09 14.90 15.12 15.35 15.56 - - - - - - -
63 14.01 14.06 14.15 14.41 14.66 15.52 15.75 15.97 - - - - - - - -
64 14.42 14.49 14.75 15.01 15.29 16.17 16.39 - - - - - - - - -
65 14.87 15.13 15.40 15.68 15.96 16.86 - - - - - - - - - -

Tabular Annual Premium for Rs. 1000/- Critical Illness Sum Assured (Regular Premium) Female life

Applicable for
1) Female Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy
Policy term
Age 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35
18 1.22 1.26 1.30 1.35 1.39 1.43 1.48 1.52 1.57 1.62 1.67 1.72 1.77 1.82 1.87
19 1.31 1.35 1.40 1.44 1.49 1.54 1.58 1.63 1.68 1.73 1.78 1.84 1.89 1.94 2.00
20 1.41 1.46 1.50 1.55 1.60 1.65 1.70 1.75 1.81 1.86 1.92 1.97 2.03 2.08 2.14
21 1.52 1.57 1.62 1.67 1.72 1.78 1.83 1.89 1.94 2.00 2.06 2.12 2.18 2.23 2.29
22 1.64 1.69 1.75 1.80 1.86 1.91 1.97 2.03 2.09 2.15 2.21 2.27 2.33 2.40 2.46
23 1.77 1.82 1.88 1.94 2.00 2.06 2.12 2.18 2.25 2.31 2.38 2.44 2.50 2.57 2.63
24 1.91 1.97 2.03 2.09 2.15 2.22 2.28 2.35 2.42 2.48 2.55 2.62 2.69 2.75 2.82
25 2.06 2.12 2.18 2.25 2.32 2.39 2.46 2.53 2.60 2.67 2.74 2.81 2.88 2.95 3.01
26 2.22 2.29 2.36 2.43 2.50 2.57 2.64 2.72 2.79 2.86 2.94 3.01 3.08 3.15 3.23
27 2.39 2.46 2.54 2.61 2.69 2.77 2.84 2.92 3.00 3.07 3.15 3.22 3.30 3.37 3.45
28 2.58 2.66 2.74 2.82 2.90 2.98 3.06 3.14 3.22 3.29 3.37 3.45 3.53 3.61 3.69
29 2.78 2.86 2.95 3.03 3.11 3.20 3.28 3.36 3.44 3.53 3.61 3.69 3.77 3.86 3.93
30 3.00 3.08 3.17 3.26 3.34 3.43 3.52 3.60 3.69 3.77 3.86 3.95 4.03 4.11 4.19
31 3.22 3.31 3.40 3.49 3.58 3.68 3.77 3.85 3.94 4.03 4.12 4.21 4.30 4.38 4.46
32 3.47 3.56 3.66 3.75 3.84 3.94 4.03 4.12 4.22 4.31 4.41 4.50 4.58 4.66 4.74
33 3.73 3.82 3.92 4.02 4.12 4.21 4.31 4.41 4.51 4.60 4.70 4.79 4.88 4.96 5.04
34 4.00 4.10 4.20 4.30 4.40 4.51 4.61 4.71 4.81 4.91 5.00 5.09 5.18 5.26 5.34
35 4.28 4.39 4.50 4.60 4.71 4.81 4.92 5.02 5.13 5.22 5.32 5.41 5.49 5.58 5.66
36 4.59 4.69 4.80 4.91 5.02 5.13 5.24 5.35 5.45 5.55 5.64 5.73 5.82 5.90 6.00
37 4.90 5.01 5.13 5.24 5.36 5.47 5.58 5.69 5.79 5.89 5.98 6.07 6.16 6.26 6.35
38 5.22 5.34 5.46 5.58 5.70 5.82 5.93 6.03 6.13 6.23 6.33 6.42 6.52 6.62 6.72
39 5.57 5.69 5.82 5.94 6.06 6.17 6.28 6.39 6.49 6.59 6.68 6.79 6.89 7.00 7.10
 40 5.93 6.06 6.18 6.31 6.43 6.54 6.65 6.75 6.86 6.95 7.07 7.17 7.28 7.39 7.49
41 6.30 6.43 6.56 6.69 6.81 6.92 7.03 7.13 7.23 7.35 7.46 7.57 7.68 7.79 -
42 6.69 6.82 6.95 7.07 7.19 7.30 7.41 7.51 7.63 7.75 7.87 7.98 8.09 - -
43 7.09 7.23 7.35 7.47 7.59 7.70 7.81 7.94 8.06 8.18 8.30 8.42 - - -
44 7.52 7.65 7.77 7.89 8.01 8.12 8.25 8.38 8.51 8.63 8.75 - - - -
45 7.95 8.08 8.20 8.32 8.44 8.57 8.70 8.84 8.96 9.09 - - - - -
46 8.39 8.51 8.64 8.76 8.90 9.04 9.17 9.31 9.44 - - - - - -
47 8.84 8.97 9.09 9.24 9.38 9.52 9.66 9.79 - - - - - - -
48 9.31 9.43 9.58 9.73 9.88 10.02 10.16 - - - - - - - -
49 9.78 9.93 10.09 10.24 10.39 10.53 - - - - - - - - -
50 10.29 10.44 10.60 10.76 10.91 - - - - - - - - - -
51 10.80 10.97 11.13 11.29 - - - - - - - - - - -
52 11.34 11.51 11.67 - - - - - - - - - - - -
53 11.90 12.06 - - - - - - - - - - - - -
54 12.46 - - - - - - - - - - - - - -
55 - - - - - - - - - - - - - - -

Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 MALE LIVES ONLY - NB stage only
Applicable for
1) male Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

TERM OF THE POLICY AT NB STAGE

Age 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
18 0.10 0.10 0.11 0.11 0.11 0.12 0.12 0.13 0.13 0.14 0.14 0.15 0.16 0.16 0.17 0.18
19 0.11 0.11 0.11 0.12 0.12 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.18 0.18 0.19
20 0.11 0.12 0.12 0.12 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.18 0.18 0.19 0.20 0.21
21 0.12 0.13 0.13 0.13 0.14 0.15 0.15 0.16 0.17 0.17 0.18 0.19 0.20 0.21 0.22 0.24
22 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26
23 0.14 0.15 0.15 0.16 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.27 0.29
24 0.15 0.16 0.16 0.17 0.17 0.19 0.20 0.21 0.22 0.23 0.24 0.26 0.27 0.29 0.30 0.32
25 0.16 0.17 0.17 0.18 0.19 0.21 0.22 0.23 0.24 0.25 0.27 0.29 0.30 0.32 0.34 0.35
26 0.17 0.18 0.19 0.20 0.21 0.23 0.24 0.25 0.26 0.28 0.30 0.32 0.34 0.36 0.37 0.39
27 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.28 0.29 0.31 0.34 0.36 0.38 0.39 0.41 0.43
28 0.21 0.22 0.23 0.24 0.25 0.28 0.29 0.31 0.33 0.35 0.38 0.40 0.42 0.44 0.46 0.48
29 0.23 0.24 0.25 0.27 0.28 0.31 0.33 0.35 0.37 0.39 0.42 0.44 0.46 0.49 0.51 0.53
30 0.25 0.27 0.28 0.30 0.32 0.35 0.37 0.39 0.42 0.44 0.47 0.49 0.52 0.54 0.56 0.59
31 0.28 0.30 0.32 0.33 0.36 0.39 0.42 0.44 0.47 0.49 0.52 0.55 0.57 0.60 0.63 0.66
32 0.32 0.33 0.35 0.38 0.40 0.44 0.47 0.50 0.52 0.55 0.58 0.61 0.63 0.66 0.70 0.73
33 0.36 0.38 0.40 0.43 0.45 0.50 0.53 0.55 0.58 0.61 0.64 0.67 0.70 0.74 0.77 0.80
34 0.40 0.43 0.46 0.48 0.51 0.56 0.59 0.62 0.65 0.67 0.72 0.75 0.78 0.82 0.85 0.89
35 0.46 0.49 0.52 0.55 0.58 0.63 0.66 0.69 0.72 0.75 0.79 0.83 0.87 0.90 0.94 0.98
36 0.52 0.55 0.58 0.61 0.64 0.70 0.73 0.76 0.79 0.83 0.88 0.92 0.96 1.00 1.04 1.08
37 0.59 0.62 0.66 0.69 0.72 0.78 0.81 0.84 0.88 0.92 0.98 1.02 1.06 1.10 1.14 1.19
38 0.67 0.70 0.73 0.76 0.80 0.86 0.90 0.94 0.98 1.02 1.08 1.12 1.17 1.21 1.26 1.30
39 0.75 0.78 0.81 0.84 0.88 0.95 0.99 1.04 1.08 1.13 1.19 1.24 1.28 1.33 1.37 1.42
40 0.83 0.86 0.89 0.93 0.97 1.05 1.10 1.14 1.19 1.24 1.31 1.36 1.40 1.45 1.50 1.55
41 0.91 0.94 0.98 1.02 1.06 1.16 1.21 1.25 1.31 1.36 1.43 1.48 1.53 1.58 1.63 1.68
42 0.99 1.03 1.07 1.12 1.17 1.27 1.32 1.38 1.43 1.49 1.56 1.62 1.67 1.72 1.78 1.83
43 1.08 1.12 1.17 1.23 1.29 1.39 1.45 1.51 1.56 1.62 1.70 1.76 1.82 1.87 1.92 1.97
44 1.18 1.23 1.29 1.35 1.41 1.53 1.59 1.65 1.71 1.77 1.86 1.92 1.97 2.03 2.08 2.13
45 1.30 1.37 1.43 1.49 1.55 1.68 1.74 1.80 1.87 1.93 2.02 2.08 2.14 2.20 2.25 2.30
46 1.44 1.51 1.57 1.64 1.70 1.84 1.91 1.97 2.04 2.10 2.20 2.26 2.32 2.38 2.43 2.49
47 1.60 1.66 1.73 1.80 1.87 2.02 2.08 2.15 2.22 2.28 2.39 2.45 2.51 2.57 2.62 2.68
48 1.77 1.83 1.91 1.98 2.05 2.21 2.28 2.35 2.41 2.48 2.59 2.65 2.71 2.77 2.83 2.88
49 1.94 2.01 2.09 2.16 2.23 2.40 2.48 2.55 2.62 2.69 2.80 2.86 2.92 2.98 3.04 3.09
50 2.13 2.20 2.27 2.35 2.43 2.61 2.68 2.76 2.83 2.90 3.02 3.08 3.14 3.20 3.25 3.30
51 2.31 2.39 2.47 2.55 2.63 2.82 2.90 2.97 3.04 3.11 3.24 3.30 3.36 3.42 3.47 3.52
 52 2.51 2.59 2.67 2.76 2.84 3.05 3.12 3.20 3.27 3.34 3.47 3.53 3.59 3.65 3.70 3.76
53 2.73 2.81 2.90 2.98 3.07 3.28 3.36 3.44 3.51 3.58 3.72 3.78 3.83 3.89 3.95 4.00
54 2.95 3.03 3.12 3.21 3.30 3.53 3.60 3.68 3.76 3.82 3.96 4.02 4.09 4.14 4.20 4.25
55 3.18 3.27 3.36 3.45 3.54 3.78 3.86 3.94 4.01 4.07 4.22 4.28 4.35 4.40 4.45 4.50
56 3.43 3.52 3.61 3.70 3.79 4.05 4.12 4.20 4.27 4.33 4.49 4.55 4.61 4.67 4.72 -
57 3.68 3.77 3.86 3.95 4.05 4.32 4.39 4.46 4.53 4.61 4.77 4.83 4.89 4.95 - -
58 3.94 4.03 4.13 4.22 4.32 4.59 4.67 4.74 4.82 4.89 5.06 5.12 5.18 - - -
59 4.21 4.30 4.40 4.49 4.59 4.88 4.95 5.03 5.11 5.18 5.35 5.41 - - - -
60 4.48 4.58 4.68 4.76 4.88 5.16 5.24 5.32 5.40 5.47 5.65 - - - - -
61 4.77 4.86 4.95 5.04 5.16 5.46 5.55 5.63 5.70 5.77 - - - - - -
62 5.05 5.14 5.23 5.31 5.46 5.77 5.86 5.94 6.01 - - - - - - -
63 5.35 5.43 5.51 5.62 5.77 6.10 6.18 6.26 - - - - - - - -
64 5.64 5.72 5.83 5.94 6.10 6.43 6.51 - - - - - - - - -

Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 MALE LIVES ONLY - NB stage only
Applicable for
1) male Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

Term of the policy

AGE 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35
18 0.19 0.19 0.21 0.22 0.23 0.24 0.25 0.26 0.28 0.29 0.30 0.31 0.33 0.34 0.36
19 0.20 0.21 0.23 0.24 0.25 0.26 0.28 0.29 0.30 0.32 0.33 0.35 0.36 0.38 0.39
20 0.22 0.24 0.25 0.26 0.28 0.29 0.30 0.32 0.33 0.35 0.36 0.38 0.40 0.41 0.43
21 0.25 0.26 0.28 0.29 0.30 0.32 0.33 0.35 0.36 0.38 0.40 0.42 0.43 0.45 0.47
22 0.28 0.29 0.31 0.32 0.34 0.35 0.37 0.38 0.40 0.42 0.44 0.46 0.48 0.49 0.51
23 0.31 0.32 0.34 0.35 0.37 0.39 0.40 0.42 0.44 0.46 0.48 0.50 0.52 0.54 0.56
24 0.34 0.35 0.37 0.39 0.41 0.43 0.45 0.47 0.49 0.51 0.53 0.55 0.57 0.59 0.61
25 0.37 0.39 0.41 0.43 0.45 0.47 0.49 0.51 0.53 0.56 0.58 0.60 0.62 0.64 0.66
26 0.41 0.43 0.45 0.47 0.50 0.52 0.54 0.56 0.59 0.61 0.63 0.66 0.68 0.70 0.72
27 0.46 0.48 0.50 0.52 0.55 0.57 0.60 0.62 0.64 0.67 0.69 0.72 0.74 0.76 0.78
28 0.50 0.53 0.55 0.58 0.60 0.63 0.66 0.68 0.71 0.73 0.76 0.78 0.81 0.83 0.85
29 0.56 0.59 0.61 0.64 0.67 0.69 0.72 0.75 0.77 0.80 0.83 0.85 0.88 0.90 0.92
30 0.62 0.65 0.68 0.70 0.73 0.76 0.79 0.82 0.85 0.87 0.90 0.93 0.95 0.98 1.00
31 0.69 0.72 0.75 0.78 0.81 0.84 0.87 0.90 0.93 0.95 0.98 1.01 1.03 1.06 1.08
32 0.76 0.79 0.82 0.86 0.89 0.92 0.95 0.98 1.01 1.04 1.07 1.09 1.12 1.14 1.16
33 0.84 0.87 0.91 0.94 0.97 1.01 1.04 1.07 1.10 1.13 1.16 1.18 1.21 1.23 1.25
34 0.92 0.96 1.00 1.03 1.07 1.10 1.13 1.17 1.20 1.23 1.25 1.28 1.31 1.33 1.35
35 1.02 1.06 1.09 1.13 1.17 1.20 1.23 1.27 1.30 1.33 1.36 1.38 1.41 1.43 1.45
36 1.12 1.16 1.20 1.23 1.27 1.31 1.34 1.38 1.41 1.44 1.46 1.49 1.51 1.53 1.55
37 1.23 1.27 1.31 1.35 1.39 1.42 1.46 1.49 1.52 1.55 1.58 1.60 1.63 1.65 1.67
38 1.34 1.39 1.43 1.47 1.51 1.54 1.58 1.61 1.64 1.67 1.70 1.72 1.74 1.76 1.78
39 1.47 1.51 1.55 1.59 1.63 1.67 1.70 1.74 1.77 1.80 1.82 1.85 1.87 1.89 1.90
40 1.59 1.64 1.68 1.72 1.76 1.80 1.84 1.87 1.90 1.92 1.95 1.97 2.00 2.01 2.03
41 1.73 1.77 1.82 1.86 1.90 1.94 1.97 2.00 2.03 2.06 2.09 2.11 2.13 2.15 -
42 1.87 1.92 1.96 2.01 2.04 2.08 2.11 2.15 2.18 2.20 2.23 2.25 2.27 - -
43 2.02 2.07 2.11 2.16 2.19 2.23 2.26 2.30 2.32 2.35 2.37 2.39 - - -
44 2.18 2.23 2.27 2.32 2.35 2.39 2.42 2.45 2.48 2.51 2.53 - - - -
45 2.35 2.40 2.45 2.49 2.52 2.56 2.59 2.62 2.65 2.67 - - - - -
46 2.53 2.58 2.62 2.66 2.70 2.74 2.77 2.80 2.82 - - - - - -
47 2.72 2.77 2.81 2.85 2.89 2.92 2.96 2.98 - - - - - - -
48 2.93 2.97 3.01 3.05 3.09 3.12 3.15 - - - - - - - -
49 3.13 3.18 3.22 3.26 3.30 3.33 - - - - - - - - -
50 3.35 3.40 3.44 3.47 3.51 - - - - - - - - - -
51 3.57 3.62 3.66 3.69 - - - - - - - - - - -
52 3.80 3.85 3.88 - - - - - - - - - - - -
 53 4.04 4.09 - - - - - - - - - - - - -
54 4.29 - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -

Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 FEMALE LIVES ONLY - NB stage only
Applicable for
1) FEMALE Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
18 0.10 0.11 0.11 0.11 0.12 0.13 0.14 0.14 0.15 0.16 0.17 0.17 0.18 0.19 0.20 0.21
19 0.11 0.11 0.12 0.12 0.13 0.14 0.15 0.15 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23
20 0.12 0.12 0.13 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.25
21 0.13 0.14 0.14 0.15 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.26 0.27 0.28
22 0.14 0.15 0.16 0.17 0.17 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.27 0.28 0.30 0.31
23 0.16 0.17 0.18 0.18 0.19 0.21 0.22 0.23 0.24 0.26 0.27 0.28 0.30 0.31 0.33 0.34
24 0.18 0.19 0.20 0.20 0.21 0.23 0.25 0.26 0.27 0.28 0.30 0.32 0.33 0.34 0.36 0.37
25 0.20 0.21 0.22 0.23 0.24 0.26 0.27 0.29 0.30 0.31 0.33 0.35 0.36 0.38 0.39 0.41
26 0.22 0.23 0.24 0.25 0.26 0.29 0.30 0.32 0.33 0.35 0.37 0.39 0.40 0.42 0.43 0.45
27 0.24 0.25 0.27 0.28 0.29 0.32 0.33 0.35 0.37 0.38 0.41 0.42 0.44 0.46 0.47 0.49
28 0.27 0.28 0.30 0.31 0.33 0.35 0.37 0.39 0.41 0.42 0.45 0.46 0.48 0.50 0.52 0.53
29 0.30 0.31 0.33 0.34 0.36 0.39 0.41 0.43 0.45 0.46 0.49 0.51 0.53 0.55 0.56 0.58
30 0.33 0.35 0.36 0.38 0.40 0.43 0.45 0.47 0.49 0.51 0.54 0.55 0.57 0.59 0.61 0.63
31 0.37 0.38 0.40 0.42 0.44 0.48 0.50 0.52 0.54 0.56 0.58 0.60 0.63 0.65 0.67 0.69
32 0.40 0.42 0.44 0.46 0.49 0.53 0.55 0.57 0.59 0.61 0.64 0.66 0.68 0.70 0.73 0.75
33 0.45 0.47 0.49 0.51 0.54 0.58 0.60 0.62 0.64 0.66 0.69 0.72 0.74 0.76 0.79 0.81
34 0.50 0.52 0.54 0.57 0.59 0.63 0.65 0.67 0.70 0.72 0.75 0.78 0.80 0.83 0.85 0.88
35 0.55 0.57 0.60 0.62 0.64 0.69 0.71 0.73 0.76 0.78 0.82 0.84 0.87 0.89 0.92 0.94
36 0.60 0.63 0.65 0.67 0.70 0.75 0.77 0.80 0.82 0.85 0.89 0.91 0.94 0.96 0.99 1.02
37 0.67 0.69 0.71 0.73 0.76 0.81 0.84 0.86 0.89 0.92 0.96 0.98 1.01 1.04 1.07 1.09
38 0.72 0.74 0.77 0.79 0.82 0.88 0.90 0.93 0.96 0.99 1.03 1.06 1.09 1.12 1.14 1.17
39 0.78 0.80 0.83 0.86 0.88 0.95 0.97 1.00 1.03 1.06 1.11 1.14 1.17 1.20 1.22 1.25
40 0.84 0.87 0.89 0.92 0.95 1.02 1.05 1.08 1.11 1.14 1.19 1.22 1.25 1.28 1.31 1.34
41 0.91 0.93 0.96 0.99 1.02 1.10 1.13 1.16 1.19 1.22 1.28 1.31 1.34 1.37 1.40 1.43
42 0.97 1.00 1.03 1.06 1.10 1.18 1.21 1.24 1.27 1.31 1.36 1.39 1.42 1.46 1.49 1.52
43 1.04 1.07 1.11 1.15 1.18 1.27 1.30 1.33 1.37 1.40 1.46 1.49 1.52 1.55 1.59 1.62
44 1.12 1.16 1.20 1.23 1.27 1.36 1.39 1.43 1.46 1.50 1.55 1.59 1.62 1.66 1.69 1.72
45 1.21 1.25 1.29 1.32 1.36 1.45 1.49 1.53 1.56 1.59 1.66 1.69 1.73 1.76 1.79 1.82
46 1.30 1.34 1.38 1.42 1.46 1.56 1.59 1.63 1.66 1.70 1.77 1.80 1.84 1.87 1.90 1.93
47 1.40 1.44 1.48 1.52 1.56 1.66 1.70 1.73 1.77 1.81 1.88 1.92 1.95 1.98 2.01 2.04
48 1.51 1.55 1.58 1.62 1.67 1.77 1.81 1.85 1.89 1.93 2.00 2.03 2.07 2.10 2.13 2.16
49 1.61 1.65 1.69 1.73 1.77 1.89 1.93 1.97 2.01 2.05 2.12 2.15 2.19 2.22 2.24 2.27
50 1.72 1.76 1.80 1.84 1.89 2.00 2.04 2.09 2.13 2.17 2.24 2.27 2.30 2.33 2.36 2.39
51 1.83 1.87 1.91 1.95 2.00 2.12 2.17 2.21 2.25 2.29 2.36 2.39 2.42 2.45 2.48 2.51
52 1.94 1.98 2.02 2.07 2.12 2.25 2.29 2.34 2.37 2.41 2.49 2.52 2.54 2.57 2.61 2.64
53 2.05 2.09 2.14 2.19 2.25 2.38 2.42 2.46 2.50 2.53 2.61 2.64 2.67 2.70 2.74 2.77
54 2.17 2.22 2.27 2.32 2.38 2.52 2.55 2.59 2.62 2.66 2.74 2.76 2.80 2.84 2.88 2.91
55 2.30 2.35 2.40 2.45 2.52 2.65 2.69 2.72 2.75 2.78 2.87 2.91 2.94 2.98 3.02 3.05
56 2.44 2.49 2.54 2.59 2.65 2.78 2.82 2.85 2.88 2.91 3.01 3.05 3.09 3.12 3.16 -
57 2.58 2.63 2.68 2.72 2.78 2.92 2.95 2.98 3.01 3.05 3.15 3.19 3.23 3.27 - -
58 2.73 2.77 2.81 2.85 2.92 3.05 3.08 3.11 3.16 3.20 3.30 3.34 3.38 - - -
59 2.88 2.91 2.95 2.99 3.05 3.19 3.21 3.26 3.31 3.35 3.46 3.50 - - - -
60 3.01 3.05 3.08 3.11 3.19 3.32 3.36 3.41 3.46 3.50 3.61 - - - - -
61 3.14 3.17 3.19 3.23 3.32 3.46 3.51 3.56 3.61 3.65 - - - - - -
62 3.25 3.28 3.31 3.34 3.46 3.61 3.66 3.71 3.76 - - - - - - -
63 3.35 3.38 3.41 3.48 3.61 3.76 3.81 3.86 - - - - - - - -
 64 3.45 3.48 3.56 3.62 3.76 3.92 3.97 - - - - - - - - -
65 3.57 3.64 3.71 3.79 3.92 4.09 - - - - - - - - - -

Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 FEMALE LIVES ONLY - NB stage only
Applicable for
1) FEMALE Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

AGE 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35
18 0.22 0.23 0.24 0.25 0.26 0.27 0.28 0.29 0.31 0.32 0.33 0.34 0.35 0.36 0.37
19 0.24 0.25 0.26 0.27 0.29 0.30 0.31 0.32 0.33 0.34 0.36 0.37 0.38 0.39 0.40
20 0.27 0.28 0.29 0.30 0.31 0.33 0.34 0.35 0.36 0.37 0.39 0.40 0.41 0.42 0.44
21 0.29 0.31 0.32 0.33 0.34 0.36 0.37 0.38 0.39 0.41 0.42 0.43 0.45 0.46 0.47
22 0.32 0.34 0.35 0.36 0.38 0.39 0.40 0.42 0.43 0.44 0.46 0.47 0.48 0.50 0.51
23 0.35 0.37 0.38 0.40 0.41 0.42 0.44 0.45 0.47 0.48 0.50 0.51 0.52 0.54 0.55
24 0.39 0.40 0.42 0.43 0.45 0.46 0.48 0.49 0.51 0.52 0.54 0.55 0.57 0.58 0.59
25 0.42 0.44 0.46 0.47 0.49 0.50 0.52 0.54 0.55 0.57 0.58 0.60 0.61 0.63 0.64
26 0.46 0.48 0.50 0.51 0.53 0.55 0.57 0.58 0.60 0.61 0.63 0.65 0.66 0.67 0.69
27 0.51 0.52 0.54 0.56 0.58 0.60 0.61 0.63 0.65 0.66 0.68 0.69 0.71 0.73 0.74
28 0.55 0.57 0.59 0.61 0.63 0.65 0.66 0.68 0.70 0.72 0.73 0.75 0.76 0.78 0.80
29 0.60 0.62 0.64 0.66 0.68 0.70 0.72 0.74 0.75 0.77 0.79 0.80 0.82 0.84 0.85
30 0.65 0.67 0.70 0.72 0.73 0.75 0.77 0.79 0.81 0.83 0.85 0.86 0.88 0.90 0.91
31 0.71 0.73 0.75 0.77 0.79 0.81 0.83 0.85 0.87 0.89 0.91 0.93 0.94 0.96 0.97
32 0.77 0.79 0.81 0.83 0.86 0.88 0.90 0.92 0.94 0.95 0.97 0.99 1.01 1.02 1.04
33 0.83 0.85 0.88 0.90 0.92 0.94 0.96 0.98 1.00 1.02 1.04 1.06 1.07 1.09 1.10
34 0.90 0.92 0.95 0.97 0.99 1.01 1.03 1.05 1.07 1.09 1.11 1.13 1.14 1.16 1.17
35 0.97 0.99 1.02 1.04 1.06 1.08 1.11 1.13 1.15 1.17 1.19 1.20 1.22 1.23 1.25
36 1.04 1.07 1.09 1.11 1.14 1.16 1.18 1.20 1.22 1.24 1.26 1.28 1.29 1.31 1.32
37 1.12 1.14 1.17 1.19 1.22 1.24 1.26 1.28 1.30 1.32 1.34 1.35 1.37 1.39 1.40
38 1.20 1.22 1.25 1.27 1.30 1.32 1.34 1.36 1.38 1.40 1.42 1.44 1.45 1.47 1.48
39 1.28 1.31 1.33 1.36 1.38 1.41 1.43 1.45 1.47 1.49 1.50 1.52 1.54 1.55 1.57
40 1.37 1.39 1.42 1.45 1.47 1.49 1.51 1.53 1.55 1.57 1.59 1.61 1.63 1.64 1.66
41 1.46 1.48 1.51 1.54 1.56 1.58 1.60 1.62 1.64 1.66 1.68 1.70 1.72 1.73 -
42 1.55 1.58 1.60 1.63 1.65 1.67 1.69 1.71 1.73 1.75 1.77 1.79 1.81 - -
43 1.65 1.67 1.70 1.72 1.75 1.77 1.79 1.81 1.83 1.85 1.87 1.89 - - -
44 1.75 1.78 1.80 1.82 1.85 1.87 1.89 1.91 1.94 1.96 1.97 - - - -
45 1.85 1.88 1.90 1.93 1.95 1.97 2.00 2.02 2.04 2.06 - - - - -
46 1.96 1.98 2.01 2.03 2.06 2.08 2.11 2.13 2.15 - - - - - -
47 2.07 2.09 2.12 2.15 2.17 2.20 2.22 2.24 - - - - - - -
48 2.18 2.21 2.24 2.26 2.29 2.32 2.34 - - - - - - - -
49 2.30 2.33 2.36 2.38 2.41 2.44 - - - - - - - - -
50 2.42 2.45 2.48 2.51 2.53 - - - - - - - - - -
51 2.54 2.58 2.61 2.63 - - - - - - - - - - -
52 2.67 2.71 2.73 - - - - - - - - - - - -
53 2.81 2.84 - - - - - - - - - - - - -
54 2.94 - - - - - - - - - - - - - -

Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 MALE LIVES ONLY - For Revival only
Applicable for
1) Male Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
 3) Calculation of refund of amount on surrender of a limited premium paying policy

Outstanding policy term as on revival

Age
At
revival <1 2 3 4 5 6 7 8 9 10 11 12 13 14
18 - - - - - - - - - - - - - -
19 - - - 0.10 0.10 0.11 0.11 0.11 0.12 0.12 0.13 0.13 0.14 0.14
20 - - 0.10 0.11 0.11 0.11 0.12 0.12 0.13 0.13 0.14 0.14 0.15 0.15
21 - 0.11 0.11 0.12 0.12 0.12 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.17
22 0.11 0.12 0.12 0.13 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.17 0.18
23 0.12 0.13 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.17 0.18 0.19 0.20
24 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.16 0.17 0.18 0.19 0.20 0.21 0.22
25 0.14 0.14 0.15 0.15 0.16 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.24
26 0.14 0.15 0.16 0.16 0.17 0.18 0.18 0.19 0.20 0.22 0.23 0.24 0.25 0.27
27 0.15 0.16 0.17 0.17 0.18 0.19 0.20 0.21 0.22 0.24 0.25 0.27 0.28 0.30
28 0.17 0.18 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.28 0.30 0.32 0.34
29 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.28 0.29 0.31 0.33 0.36 0.38
30 0.20 0.21 0.22 0.23 0.24 0.26 0.27 0.29 0.31 0.33 0.35 0.38 0.40 0.42
31 0.22 0.23 0.24 0.26 0.27 0.29 0.31 0.33 0.35 0.37 0.40 0.42 0.45 0.47
32 0.24 0.26 0.27 0.29 0.30 0.32 0.34 0.37 0.39 0.42 0.45 0.47 0.50 0.52
33 0.27 0.29 0.30 0.32 0.34 0.37 0.39 0.42 0.44 0.48 0.50 0.53 0.56 0.58
34 0.31 0.32 0.34 0.36 0.39 0.42 0.44 0.47 0.50 0.53 0.56 0.59 0.62 0.65
35 0.34 0.36 0.39 0.41 0.44 0.47 0.50 0.53 0.56 0.60 0.63 0.66 0.69 0.72
36 0.38 0.41 0.44 0.47 0.50 0.53 0.57 0.60 0.63 0.67 0.70 0.73 0.76 0.80
37 0.43 0.47 0.50 0.54 0.57 0.61 0.64 0.67 0.70 0.74 0.77 0.81 0.85 0.89
38 0.50 0.54 0.58 0.61 0.65 0.68 0.71 0.74 0.78 0.82 0.86 0.90 0.94 0.98
39 0.58 0.62 0.65 0.69 0.72 0.75 0.79 0.82 0.86 0.90 0.95 0.99 1.04 1.08
40 0.66 0.69 0.73 0.76 0.80 0.83 0.87 0.90 0.94 1.00 1.05 1.09 1.14 1.19
41 0.72 0.77 0.80 0.84 0.87 0.91 0.95 0.99 1.04 1.10 1.15 1.20 1.25 1.30
42 0.82 0.85 0.88 0.92 0.96 1.00 1.04 1.09 1.15 1.21 1.26 1.32 1.37 1.42
43 0.88 0.91 0.96 1.00 1.04 1.09 1.14 1.20 1.26 1.32 1.38 1.44 1.50 1.55
44 0.95 1.00 1.04 1.08 1.14 1.20 1.26 1.32 1.38 1.45 1.51 1.57 1.64 1.69
45 1.05 1.09 1.13 1.19 1.26 1.32 1.39 1.45 1.52 1.59 1.66 1.72 1.78 1.85
46 1.14 1.18 1.25 1.32 1.39 1.46 1.53 1.59 1.66 1.75 1.81 1.88 1.95 2.01
47 1.23 1.31 1.38 1.46 1.54 1.61 1.68 1.75 1.82 1.91 1.98 2.05 2.12 2.19
48 1.39 1.47 1.55 1.63 1.70 1.78 1.85 1.93 2.00 2.09 2.16 2.23 2.31 2.37
49 1.55 1.64 1.72 1.79 1.87 1.95 2.03 2.10 2.18 2.28 2.35 2.43 2.50 2.57
50 1.74 1.81 1.88 1.97 2.05 2.13 2.21 2.29 2.37 2.47 2.55 2.63 2.70 2.77
51 1.89 1.96 2.05 2.14 2.22 2.31 2.39 2.48 2.56 2.67 2.75 2.83 2.90 2.97
52 2.04 2.14 2.24 2.33 2.42 2.50 2.59 2.68 2.77 2.88 2.96 3.04 3.12 3.19
53 2.25 2.35 2.44 2.53 2.62 2.72 2.81 2.90 2.99 3.10 3.19 3.27 3.34 3.42
54 2.45 2.54 2.64 2.73 2.83 2.93 3.03 3.13 3.21 3.33 3.42 3.50 3.58 3.65
55 2.64 2.75 2.85 2.95 3.06 3.16 3.26 3.35 3.45 3.57 3.65 3.74 3.81 3.88
56 2.86 2.96 3.08 3.19 3.29 3.40 3.50 3.59 3.69 3.82 3.90 3.98 4.06 4.13
57 3.07 3.19 3.31 3.43 3.54 3.64 3.74 3.84 3.94 4.07 4.15 4.23 4.31 4.38
58 3.33 3.45 3.57 3.68 3.79 3.90 4.00 4.10 4.20 4.33 4.41 4.49 4.57 4.65
59 3.58 3.71 3.83 3.94 4.05 4.16 4.27 4.37 4.46 4.59 4.67 4.76 4.84 4.92
60 3.84 3.97 4.08 4.19 4.31 4.42 4.53 4.63 4.72 4.85 4.95 5.04 5.12 5.19
61 4.10 4.21 4.34 4.46 4.58 4.69 4.80 4.89 4.99 5.14 5.23 5.32 5.40 5.47
62 4.33 4.47 4.60 4.73 4.85 4.96 5.06 5.16 5.27 5.42 5.52 5.61 5.69 -
63 4.62 4.76 4.90 5.02 5.13 5.24 5.34 5.46 5.57 5.72 5.82 5.91 - -
64 4.91 5.06 5.19 5.30 5.41 5.51 5.64 5.76 5.87 6.03 6.12 - - -
65 5.23 5.35 5.46 5.58 5.68 5.83 5.95 6.07 6.18 6.34 - - - -
66 5.48 5.60 5.72 5.83 5.99 6.13 6.26 6.38 6.49 - - - - -
67 5.73 5.86 5.98 6.16 6.31 6.45 6.58 6.70 - - - - - -
68 6.01 6.13 6.35 6.51 6.66 6.80 6.93 - - - - - - -
69 6.27 6.55 6.72 6.88 7.03 7.16 - - - - - - - -
 70 6.86 6.99 7.14 7.29 7.43 - - - - - - - - -
71 7.14 7.31 7.47 7.62 - - - - - - - - - -
72 7.50 7.68 7.83 - - - - - - - - - - -
73 7.88 8.04 - - - - - - - - - - - -
≥74 8.21 - - - - - - - - - - - - -

Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 MALE LIVES ONLY - For Revival only
Applicable for
1) Male Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy
Age
At
Revival 15 16 17 18 19 20 21 22 23 24 25
18 - - - - - - - - - - -
19 0.15 0.15 0.16 0.17 0.18 0.18 0.19 0.21 0.22 0.23 0.24
20 0.16 0.17 0.17 0.18 0.19 0.20 0.22 0.23 0.24 0.25 0.27
21 0.17 0.18 0.19 0.20 0.21 0.23 0.24 0.25 0.27 0.28 0.29
22 0.19 0.20 0.21 0.22 0.24 0.25 0.26 0.28 0.29 0.31 0.32
23 0.21 0.22 0.23 0.25 0.26 0.28 0.29 0.31 0.32 0.34 0.35
24 0.23 0.24 0.26 0.27 0.29 0.31 0.32 0.34 0.36 0.37 0.39
25 0.26 0.27 0.29 0.31 0.32 0.34 0.36 0.37 0.39 0.41 0.43
26 0.29 0.30 0.32 0.34 0.36 0.38 0.39 0.41 0.43 0.45 0.48
27 0.32 0.34 0.36 0.38 0.40 0.42 0.44 0.46 0.48 0.50 0.53
28 0.36 0.38 0.40 0.42 0.44 0.46 0.48 0.51 0.53 0.56 0.58
29 0.40 0.42 0.44 0.46 0.49 0.51 0.53 0.56 0.59 0.61 0.64
30 0.44 0.47 0.49 0.51 0.54 0.57 0.59 0.62 0.65 0.68 0.70
31 0.50 0.52 0.54 0.57 0.60 0.63 0.66 0.69 0.72 0.75 0.78
32 0.55 0.58 0.60 0.63 0.66 0.69 0.73 0.76 0.79 0.82 0.85
33 0.61 0.64 0.67 0.70 0.74 0.77 0.80 0.84 0.87 0.90 0.93
34 0.68 0.71 0.75 0.78 0.81 0.85 0.88 0.92 0.95 0.99 1.02
35 0.75 0.79 0.83 0.86 0.90 0.94 0.97 1.01 1.05 1.08 1.12
36 0.84 0.87 0.91 0.95 0.99 1.03 1.07 1.11 1.15 1.18 1.22
37 0.93 0.97 1.01 1.05 1.09 1.13 1.17 1.21 1.25 1.29 1.33
38 1.02 1.07 1.11 1.15 1.20 1.24 1.28 1.32 1.36 1.40 1.44
39 1.13 1.17 1.22 1.26 1.31 1.35 1.40 1.44 1.48 1.52 1.56
40 1.24 1.29 1.33 1.38 1.43 1.48 1.52 1.56 1.61 1.65 1.69
41 1.35 1.40 1.45 1.50 1.55 1.60 1.65 1.69 1.74 1.78 1.82
42 1.48 1.53 1.58 1.64 1.69 1.74 1.78 1.83 1.87 1.91 1.95
43 1.61 1.67 1.72 1.78 1.83 1.88 1.93 1.97 2.02 2.06 2.10
44 1.75 1.81 1.87 1.93 1.98 2.03 2.08 2.12 2.17 2.21 2.25
45 1.91 1.97 2.03 2.08 2.14 2.19 2.24 2.29 2.33 2.37 2.40
46 2.07 2.14 2.20 2.25 2.31 2.36 2.41 2.45 2.50 2.54 2.57
47 2.25 2.31 2.37 2.43 2.49 2.54 2.59 2.63 2.67 2.71 2.75
48 2.44 2.50 2.56 2.62 2.68 2.73 2.78 2.82 2.86 2.90 2.94
49 2.64 2.70 2.76 2.82 2.87 2.92 2.97 3.02 3.06 3.10 3.13
50 2.84 2.90 2.96 3.02 3.07 3.12 3.17 3.22 3.26 3.30 3.33
51 3.04 3.11 3.17 3.23 3.28 3.33 3.38 3.42 3.46 3.50 -
52 3.26 3.32 3.38 3.44 3.50 3.55 3.59 3.64 3.68 - -
53 3.49 3.55 3.61 3.67 3.72 3.77 3.82 3.86 - - -
54 3.71 3.78 3.84 3.90 3.95 4.00 4.05 - - - -
55 3.95 4.02 4.08 4.14 4.19 4.24 - - - - -
56 4.20 4.27 4.33 4.39 4.44 - - - - - -
57 4.45 4.52 4.58 4.64 - - - - - - -
58 4.72 4.79 4.85 - - - - - - - -
59 4.99 5.05 - - - - - - - - -
 60 5.26 - - - - - - - - - -

Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 MALE LIVES ONLY - For Revival only
Applicable for
1) Male Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

o/s term of policy

Age at
revival 26 27 28 29 30 31 32 33 34
18 - - - - - - - - -
19 0.25 0.27 0.28 0.29 0.30 0.32 0.33 0.35 0.36
20 0.28 0.29 0.31 0.32 0.33 0.35 0.37 0.38 0.40
21 0.31 0.32 0.34 0.35 0.37 0.38 0.40 0.42 0.44
22 0.34 0.35 0.37 0.39 0.41 0.42 0.44 0.46 0.48
23 0.37 0.39 0.41 0.43 0.45 0.46 0.48 0.50 0.52
24 0.41 0.43 0.45 0.47 0.49 0.51 0.53 0.55 0.57
25 0.45 0.47 0.49 0.52 0.54 0.56 0.58 0.60 0.62
26 0.50 0.52 0.54 0.57 0.59 0.61 0.63 0.65 0.68
27 0.55 0.57 0.60 0.62 0.64 0.67 0.69 0.71 0.74
28 0.61 0.63 0.66 0.68 0.71 0.73 0.75 0.78 0.80
29 0.67 0.69 0.72 0.75 0.77 0.80 0.82 0.84 0.87
30 0.73 0.76 0.79 0.82 0.84 0.87 0.89 0.92 0.94
31 0.80 0.83 0.86 0.89 0.92 0.94 0.97 0.99 1.02
32 0.88 0.91 0.94 0.97 1.00 1.03 1.05 1.08 1.10
33 0.97 1.00 1.03 1.06 1.09 1.11 1.14 1.16 1.19
34 1.06 1.09 1.12 1.15 1.18 1.21 1.23 1.26 1.28
35 1.15 1.19 1.22 1.25 1.28 1.30 1.33 1.35 1.37
36 1.25 1.29 1.32 1.35 1.38 1.41 1.43 1.45 1.47
37 1.36 1.40 1.43 1.46 1.49 1.51 1.54 1.56 1.58
38 1.48 1.51 1.54 1.57 1.60 1.63 1.65 1.67 1.69
39 1.60 1.63 1.66 1.69 1.72 1.75 1.77 1.79 1.81
40 1.72 1.76 1.79 1.82 1.84 1.87 1.89 1.91 1.93
41 1.85 1.89 1.92 1.95 1.97 2.00 2.02 2.04 2.06
42 1.99 2.02 2.05 2.08 2.11 2.13 2.15 2.17 -
43 2.13 2.16 2.19 2.22 2.25 2.27 2.29 - -
44 2.28 2.31 2.34 2.37 2.39 2.42 - - -
45 2.44 2.47 2.50 2.53 2.55 - - - -
46 2.61 2.64 2.67 2.69 - - - - -
47 2.78 2.81 2.84 - - - - - -
48 2.97 3.00 - - - - - - -
49 3.16 - - - - - - - -

Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 FEMALE LIVES ONLY - For Revival only
Applicable for
1) Female Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

Outstanding policy term at Revival

Age
At
revival <1 2 3 4 5 6 7 8 9 10 11 12 13 14
18 - - - - - - - - - - - - - -
19 - - - 0.10 0.10 0.11 0.11 0.12 0.13 0.13 0.14 0.15 0.16 0.16
20 - - 0.10 0.11 0.11 0.12 0.13 0.13 0.14 0.15 0.16 0.16 0.17 0.18
21 - 0.11 0.11 0.12 0.12 0.13 0.14 0.15 0.15 0.16 0.17 0.18 0.19 0.20
22 0.11 0.12 0.12 0.13 0.14 0.15 0.15 0.16 0.17 0.18 0.19 0.20 0.21 0.22
23 0.12 0.13 0.14 0.15 0.15 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25
24 0.14 0.15 0.15 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.27
25 0.15 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.27 0.29 0.30
26 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.27 0.29 0.30 0.32 0.33
27 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.27 0.29 0.30 0.32 0.34 0.35 0.37
28 0.21 0.23 0.24 0.25 0.26 0.27 0.29 0.30 0.32 0.34 0.35 0.37 0.39 0.41
29 0.24 0.25 0.26 0.27 0.29 0.30 0.32 0.33 0.35 0.37 0.39 0.41 0.43 0.45
30 0.26 0.27 0.29 0.30 0.32 0.33 0.35 0.37 0.39 0.41 0.43 0.45 0.47 0.49
31 0.29 0.30 0.32 0.33 0.35 0.37 0.39 0.41 0.43 0.45 0.48 0.49 0.51 0.53
32 0.32 0.33 0.35 0.37 0.39 0.41 0.43 0.45 0.47 0.50 0.52 0.54 0.56 0.58
33 0.35 0.37 0.39 0.41 0.43 0.45 0.48 0.50 0.52 0.55 0.57 0.59 0.61 0.64
34 0.39 0.41 0.43 0.46 0.48 0.50 0.53 0.55 0.57 0.60 0.62 0.65 0.67 0.69
35 0.43 0.46 0.48 0.50 0.53 0.55 0.58 0.60 0.63 0.65 0.68 0.70 0.73 0.75
36 0.48 0.50 0.53 0.56 0.58 0.61 0.63 0.66 0.68 0.71 0.74 0.76 0.79 0.81
37 0.53 0.56 0.59 0.61 0.64 0.66 0.69 0.71 0.74 0.77 0.80 0.82 0.85 0.88
38 0.59 0.61 0.64 0.67 0.70 0.72 0.75 0.77 0.80 0.83 0.86 0.89 0.92 0.95
39 0.64 0.67 0.70 0.73 0.75 0.78 0.81 0.83 0.86 0.90 0.93 0.96 0.99 1.02
40 0.70 0.74 0.76 0.78 0.81 0.84 0.87 0.90 0.93 0.97 1.00 1.03 1.06 1.10
41 0.78 0.79 0.82 0.84 0.87 0.90 0.93 0.97 1.00 1.04 1.08 1.11 1.14 1.17
42 0.80 0.84 0.87 0.90 0.93 0.97 1.00 1.04 1.07 1.12 1.15 1.19 1.22 1.25
43 0.87 0.90 0.94 0.97 1.00 1.04 1.08 1.12 1.15 1.20 1.24 1.27 1.31 1.34
44 0.94 0.97 1.01 1.04 1.08 1.12 1.16 1.20 1.24 1.29 1.33 1.36 1.40 1.43
45 1.01 1.05 1.08 1.12 1.17 1.21 1.25 1.29 1.33 1.38 1.42 1.46 1.49 1.53
46 1.09 1.12 1.17 1.21 1.26 1.30 1.34 1.38 1.42 1.48 1.52 1.55 1.59 1.63
47 1.16 1.21 1.26 1.31 1.35 1.40 1.44 1.48 1.52 1.58 1.62 1.66 1.69 1.74
48 1.26 1.31 1.36 1.41 1.45 1.50 1.54 1.58 1.63 1.68 1.72 1.76 1.80 1.85
49 1.36 1.42 1.46 1.51 1.55 1.60 1.64 1.69 1.73 1.79 1.83 1.87 1.92 1.96
50 1.47 1.52 1.56 1.61 1.65 1.70 1.75 1.79 1.84 1.90 1.94 1.99 2.03 2.07
51 1.56 1.61 1.66 1.71 1.76 1.81 1.85 1.90 1.95 2.01 2.06 2.11 2.15 2.19
52 1.67 1.72 1.76 1.82 1.87 1.92 1.96 2.01 2.06 2.13 2.18 2.23 2.27 2.31
53 1.77 1.82 1.87 1.93 1.98 2.03 2.08 2.13 2.19 2.26 2.30 2.35 2.39 2.42
54 1.86 1.93 1.99 2.04 2.09 2.14 2.20 2.26 2.31 2.38 2.42 2.47 2.50 2.54
55 2.00 2.05 2.10 2.16 2.21 2.27 2.33 2.39 2.44 2.51 2.55 2.59 2.63 2.66
56 2.11 2.16 2.22 2.28 2.34 2.41 2.46 2.52 2.57 2.63 2.67 2.71 2.75 2.78
57 2.22 2.28 2.34 2.41 2.48 2.54 2.60 2.65 2.69 2.76 2.80 2.83 2.87 2.92
58 2.34 2.41 2.49 2.56 2.62 2.68 2.73 2.78 2.82 2.88 2.92 2.96 3.01 3.06
59 2.50 2.57 2.64 2.71 2.77 2.82 2.86 2.91 2.94 3.01 3.05 3.10 3.15 3.20
60 2.66 2.73 2.79 2.85 2.90 2.95 2.99 3.03 3.07 3.13 3.19 3.24 3.29 3.34
61 2.80 2.87 2.93 2.97 3.02 3.06 3.10 3.14 3.18 3.27 3.33 3.38 3.43
62 2.95 3.00 3.04 3.09 3.13 3.17 3.21 3.25 3.31 3.41 3.47 3.52 3.58
63 3.05 3.09 3.14 3.18 3.22 3.27 3.31 3.38 3.45 3.55 3.61 3.67 -
64 3.14 3.19 3.24 3.28 3.32 3.37 3.45 3.52 3.60 3.70 3.76 - -
65 3.25 3.29 3.33 3.38 3.43 3.52 3.60 3.68 3.75 3.86 - - -
66 3.33 3.37 3.43 3.48 3.59 3.68 3.77 3.85 3.92 - - - -
67 3.41 3.48 3.54 3.67 3.77 3.87 3.95 4.03 - - - - -
68 3.55 3.61 3.77 3.89 3.99 4.08 4.16 - - - - - -
69 3.68 3.90 4.02 4.13 4.22 4.30 - - - - - - -
70 4.14 4.22 4.31 4.39 4.46 - - - - - - - -
71 4.30 4.41 4.50 4.57 - - - - - - - - -
72 4.52 4.60 4.67 - - - - - - - - - -
73 4.69 4.76 - - - - - - - - - - -
≥74 4.84 - - - - - - - - - - - -
Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 FEMALE LIVES ONLY - For Revival only
Applicable for
1) Female Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

Age at
revival 15 16 17 18 19 20 21 22 23 24 25 26
18 0 0 0 0 0 0 0 0 0 0 0 0
19 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.25 0.26 0.28 0.29
20 0.19 0.20 0.21 0.22 0.23 0.24 0.25 0.27 0.28 0.29 0.30 0.31
21 0.21 0.22 0.23 0.24 0.26 0.27 0.28 0.29 0.30 0.32 0.33 0.34
22 0.23 0.24 0.26 0.27 0.28 0.30 0.31 0.32 0.33 0.35 0.36 0.37
23 0.26 0.27 0.28 0.30 0.31 0.33 0.34 0.35 0.37 0.38 0.39 0.41
24 0.29 0.30 0.31 0.33 0.34 0.36 0.37 0.39 0.40 0.42 0.43 0.45
25 0.32 0.33 0.35 0.36 0.38 0.39 0.41 0.42 0.44 0.45 0.47 0.48
26 0.35 0.37 0.38 0.40 0.41 0.43 0.44 0.46 0.48 0.49 0.51 0.53
27 0.39 0.40 0.42 0.44 0.45 0.47 0.49 0.50 0.52 0.54 0.55 0.57
28 0.42 0.44 0.46 0.48 0.49 0.51 0.53 0.55 0.57 0.58 0.60 0.62
29 0.46 0.48 0.50 0.52 0.54 0.56 0.58 0.60 0.61 0.63 0.65 0.67
30 0.51 0.53 0.55 0.57 0.59 0.61 0.63 0.65 0.67 0.69 0.71 0.72
31 0.55 0.57 0.59 0.62 0.64 0.66 0.68 0.70 0.72 0.74 0.76 0.78
32 0.60 0.63 0.65 0.67 0.69 0.71 0.74 0.76 0.78 0.80 0.82 0.84
33 0.66 0.68 0.70 0.73 0.75 0.77 0.80 0.82 0.84 0.86 0.88 0.90
34 0.71 0.74 0.76 0.79 0.81 0.84 0.86 0.88 0.91 0.93 0.95 0.97
35 0.78 0.80 0.83 0.85 0.88 0.90 0.93 0.95 0.97 1.00 1.02 1.04
36 0.84 0.87 0.89 0.92 0.94 0.97 0.99 1.02 1.04 1.07 1.09 1.11
37 0.91 0.93 0.96 0.99 1.02 1.04 1.07 1.09 1.12 1.14 1.17 1.19
38 0.98 1.01 1.03 1.06 1.09 1.12 1.14 1.17 1.19 1.22 1.24 1.27
39 1.05 1.08 1.11 1.14 1.17 1.19 1.22 1.25 1.27 1.30 1.32 1.35
40 1.13 1.16 1.19 1.22 1.25 1.27 1.30 1.33 1.36 1.38 1.41 1.43
41 1.21 1.24 1.27 1.30 1.33 1.36 1.39 1.42 1.44 1.47 1.49 1.52
42 1.29 1.32 1.35 1.38 1.42 1.45 1.48 1.50 1.53 1.56 1.58 1.60
43 1.38 1.41 1.44 1.48 1.51 1.54 1.57 1.60 1.62 1.65 1.67 1.69
44 1.47 1.50 1.54 1.57 1.61 1.64 1.67 1.69 1.72 1.74 1.76 1.79
45 1.57 1.60 1.64 1.67 1.71 1.74 1.76 1.79 1.82 1.84 1.86 1.89
46 1.67 1.70 1.74 1.78 1.81 1.84 1.87 1.89 1.92 1.94 1.97 1.99
47 1.77 1.81 1.85 1.88 1.91 1.94 1.97 2.00 2.02 2.05 2.07 2.10
48 1.89 1.92 1.96 1.99 2.02 2.05 2.08 2.10 2.13 2.16 2.19 2.21
49 2.00 2.03 2.07 2.10 2.13 2.16 2.18 2.22 2.24 2.27 2.30 2.32
50 2.11 2.15 2.18 2.21 2.24 2.27 2.30 2.33 2.36 2.39 2.41 -
51 2.23 2.26 2.29 2.32 2.35 2.38 2.42 2.45 2.48 2.51 - -
52 2.34 2.37 2.41 2.44 2.47 2.51 2.54 2.57 2.60 - - -
53 2.46 2.49 2.52 2.56 2.59 2.63 2.66 2.69 - - - -
54 2.57 2.61 2.65 2.68 2.72 2.76 2.79 - - - - -
55 2.70 2.74 2.78 2.82 2.85 2.89 - - - - - -
56 2.83 2.87 2.91 2.95 2.99 - - - - - - -
57 2.96 3.01 3.05 3.09 - - - - - - - -
58 3.10 3.15 3.19 - - - - - - - - -
59 3.25 3.29 - - - - - - - - - -
60 3.39 - - - - - - - - - - -

Class I Extra premium rates per Rs.1000/- Critical Illness Sum Assured (Regular Premium) applicable
at for plan 814/ 815/ 838 FEMALE LIVES ONLY - For Revival only
Applicable for
1) Female Lives
1) Existing plans 814- new Endowment plan, 815- new Jeevan Anand & 838-Jeevan Pragati
2) Other regular premium plans to which this rider will be attached in future
3) Calculation of refund of amount on surrender of a limited premium paying policy

Age
as on
revival 27 28 29 30 31 32 33 34
18 - - - - - - - -
19 0.30 0.31 0.32 0.33 0.34 0.35 0.37 0.38
20 0.32 0.34 0.35 0.36 0.37 0.39 0.40 0.41
21 0.35 0.37 0.38 0.39 0.41 0.42 0.43 0.44
22 0.39 0.40 0.41 0.43 0.44 0.45 0.47 0.48
23 0.42 0.44 0.45 0.47 0.48 0.49 0.51 0.52
24 0.46 0.48 0.49 0.50 0.52 0.53 0.55 0.56
25 0.50 0.52 0.53 0.55 0.56 0.58 0.59 0.60
26 0.54 0.56 0.58 0.59 0.61 0.62 0.64 0.65
27 0.59 0.61 0.62 0.64 0.65 0.67 0.68 0.70
28 0.64 0.66 0.67 0.69 0.71 0.72 0.74 0.75
29 0.69 0.71 0.72 0.74 0.76 0.77 0.79 0.81
30 0.74 0.76 0.78 0.80 0.81 0.83 0.85 0.86
31 0.80 0.82 0.84 0.86 0.87 0.89 0.91 0.92
32 0.86 0.88 0.90 0.92 0.94 0.95 0.97 0.98
33 0.92 0.94 0.96 0.98 1.00 1.02 1.03 1.05
34 0.99 1.01 1.03 1.05 1.07 1.09 1.10 1.12
35 1.06 1.08 1.10 1.12 1.14 1.16 1.17 1.19
36 1.14 1.16 1.18 1.19 1.21 1.23 1.24 1.26
37 1.21 1.23 1.25 1.27 1.29 1.30 1.32 1.33
38 1.29 1.31 1.33 1.35 1.36 1.38 1.40 1.41
39 1.37 1.39 1.41 1.43 1.44 1.46 1.48 1.49
40 1.45 1.47 1.49 1.51 1.53 1.54 1.56 1.58
41 1.54 1.56 1.57 1.59 1.61 1.63 1.65 1.66
42 1.62 1.64 1.66 1.68 1.70 1.72 1.73 -
43 1.71 1.73 1.76 1.78 1.79 1.81 - -
44 1.81 1.83 1.85 1.87 1.89 - - -
45 1.91 1.93 1.95 1.97 - - - -
46 2.01 2.04 2.06 - - - - -
47 2.12 2.14 - - - - - -
48 2.23 - - - - - - -
 Specimen of policy document PLAN 815
LIFE INSURANCE CORPORATION OF INDIA
(Established by the Life Insurance Corporation Act, 1956)
LIC’s NEW JEEVAN ANAND (WITH PROFITS) (UIN: 512N279V01)

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.

SCHEDULE

DIVISIONAL OFFICE: BRANCH OFFICE:

Policy No. Basic Sum Assured Instalment Premium for Due date of premium:

Rs. Basic Plan Rs.

Date of Commencement of Mode of payment of premium:

policy: Accident Benefit LIC’s Accidental Death and

Sum Assured Rs. Disability Benefit Rider

Due Date of Payment of Last premium for:
Instalment premium Rs.
Date of Commencement of
i) Basic Plan:
Risk: ii) LIC’s Accidental Death and Disability
Benefit Rider:
Total Instalment premium

Rs. Date of birth of the Life Assured:

Plan and Policy Term:

Age of the Life Assured:

Date of Maturity:

Whether age Admitted?

Nominee under Section 39 Proposal No.:

of the Insurance Act, 1938:

Date of Proposal:

If nominee is a minor, name of the Appointee:

Benefit Illustration Reference No.:

Name and address of Proposer Name and address of Life Assured

 Events on the happening of which benefits are payable: Details are mentioned overleaf.

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.
Period during which premium payable Till the stipulated due date of the payment of last premium or earlier death of
the Life Assured.
Dates when premium payable On the stipulated due date in _____________________

Special Provisions: Details are mentioned overleaf.

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.

Date:
Examined by:
Form No.: p. Chief/ Sr. /Branch Manager

Agency Code Agency Name Agent’s Mobile Number / Landline Number

Events on the happening of which benefits are payable:

Events Benefits payable
1. On death of the Life Assured before the end Death benefit, defined as sum of “Sum Assured on Death” and vested Simple
of stipulated Policy Term, provided the policy Reversionary Bonuses and Final Additional bonus, if any, shall be payable. Where,
is in full force by paying upto-date premiums. “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.
2. On death of the Life Assured after the end Basic Sum Assured shall be payable.
of the stipulated Policy Term, provided the
policy is in full force.
3. On Life Assured surviving at the end of the Basic Sum Assured along with vested simple reversionary bonuses and Final
Policy Term (i.e. on maturity), provided the Additional bonus, if any, shall be payable.
policy is in full force by paying upto-date
premiums.

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.

CONDITIONS AND PRIVILEGES WITHIN REFERRED TO

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.

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.

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.

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.

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 premiums, if any, falling due before the next policy anniversary shall be deducted from the claim amount.
 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 Accident and Disability Benefit Rider option has
been exercised.

3. Revival of Discontinued Policies: If the Policy has lapsed due to 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 half-yearly) at such rate as fixed by the 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. 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.

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.

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. 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.

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.

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. Suicide: This policy shall be void

i) If the Life Assured (whether sane or insane) commits suicide at any time within 12 months from the date of commencement of risk and the
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.
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, provided the policy
is inforce, shall be payable. The Corporation will not entertain any other claim under this policy.

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

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.

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 sum of 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 month 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) In case 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. Assignments and Nominations: Assignment is allowed under this plan as per section 38 of the Insurance Act, 1938.

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.

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.”

LIC’s Accidental Death and Disability Benefit Rider is available on payment of additional premium.

Under an inforce policy the Accidental Death and Disability Benefit Rider can be opted for at any time within the premium paying term but
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.

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.

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.

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:

(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.

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.

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 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

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.

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 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.

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) 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) 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.

No further instalment/s of additional Accident Benefit Sum Assured shall be payable considering as if no disability had occurred.

(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.

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:

(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

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

(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

(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

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

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.

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 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, 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.

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.

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:-

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

11) A certified copy of police inquest report.
12) Copy of panchanama.
13) 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.
14) News paper cuttings where accident is reported.
15) If death is due to vehicle accident, then copy of driving licence, if life assured was driving the vehicle.
16) Sub-divisional magistrate final verdict about death- this will give classification of death as ‘natural/suicide/accidental’
17) 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.
18) Hospital treatment records, etc.

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. 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 rider(s), if
any) for the period on cover and charges for medical examination, special reports, if any and stamp duty.

16. Benefit illustration: Your customized Benefit Illustration based on standard life assumption is enclosed to this document.

Section 45 of Insurance Act, 1938:

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.

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.

NOTE:
In case you have any Complaints/Grievance, you may approach Grievance Redressal Officer/ Ombudsman,
whose address is as under:

Address of Grievance Redressal officer:

Address of Ombudsman:

Address of Branch Office:

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

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

____________________ ________________ ____________

Authorised Legal Officer Appointed Actuary Chairman

ANNEXURE - I
ANNEXURE – II