The percentage of Guaranteed Payout depends upon the Policy Term, Premium Payment Term and the Premium Amount as mentioned below:

Premium Payment Term

Guaranteed Payout (End of year)

Annualised Premium ( ` )

Guaranteed Payout*

24,000 - 49,999 50,000 - 99,999

8.5%

End of the 10 th to end of the 19 th year

5 years

9%

1,00,000 and above

9.5% 8.5%

15,000 - 49,999 50,000 - 99,999

End of the 12 th to end of the 19 th year

9%

7 years

1,00,000 and above

9.5% 8.5%

12,000 - 49,999 50,000 - 99,999

End of the 12 th to end of the 19 th year

9%

12 years

9.5%

1,00,000 and above

*Guaranteed Payout is % of Sum Assured at Maturity.

3. Option to choose Premium Payment Term: There are three Premium Payment Terms available. You can opt between a Premium Payment Term of 5, 7 and 12 years. The Policy Term depends upon the Premium Term chosen. 4. Tax Benefits: You can avail of tax benefits on the premiums paid and on the benefits received [subject to the prevailing provisions under Section 80C and Section 10 (10D) respectively of the Income Tax Act, 1961]. The Policyholder has an option to take the above mentioned Maturity Benefit as a lump sum. The lump sum shall be calculated as a Net Present Value of future payouts at guaranteed rate of 5% p.a.

Boundary Conditions

Premium Payment Term

5 Years

7 Years & 12 Years

Policy Term

10 Years

12 Years

Minimum Age at Entry*

8 Years

6 Years

Maximum Age at Entry

65 Years

65 Years

` 15,000 for 7 Year Premium Payment Term ` 12,000 for 12 Year Premium Payment Term

Minimum Annualised Premium (without taxes)

` 24,000

From the end of the 10 th Year till the 20 th Year

From the end of the 12 th Year till the 20 th Year

Maturity Payout Period

*Age as on last birthday

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