tag:blogger.com,1999:blog-29892425737403656702024-03-12T21:21:30.468-07:00SUGA Insurance ServicesThis blog is created to provide details about Insurance Services offered by SUGA Insurance Services...nsugavanamhttp://www.blogger.com/profile/12888940341173414768noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-2989242573740365670.post-86419951730722449402013-04-14T02:49:00.000-07:002013-04-14T02:49:58.571-07:00N.Sugavanam - M.A., MBA., F.I.I.I. - IRDA General Insurance Agent Trainer<div dir="ltr" style="text-align: left;" trbidi="on">
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N.Sugavanam - M.A., MBA., F.I.I.I. - IRDA General Insurance Agent Trainer<br />
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N.Sugavanam, CEO, SUGA Consulting Services, is Fellowship holder from Insurance Institute of India has taken IRDA compliance General Insurance Agent Training - which is mandatory for Insurance Agents.<br />
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He has taken classes for Tele-callers, Customer Support Executives also - 25 hours mandatory training as per IRDA compliances.<br />
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<b style="background-color: white; color: #4e2800; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;">For further details contact:<br /><br />SUGA Insurance Services,<br />(A division of SUGA Consulting Services)<br />Office No.26, TNHB Shopping Complex, 180, Luz Church Road, (Landmark: Near Luz Pillaiyar Koil)<br />Mylapore, Chennai – 600004<br />----------------------------------------------------------------------<br />SUGA = Success Unlimited Guaranteed Always<br />----------------------------------------------------------------------<br /><br />Sugavanam N, M.A., F.I.I.I., MBA<br />CEO and Chief Strategic Consultant,<br /><br />Mobile: Vodafone: 91-91762-44989, 9176244979, 9176871191, AirTel: 91-9940058497, BSNL: 91-9445437117,<br />Landline: 91-44-2498-4148<br /><br />Please visit our Official web site: www.sugaconsulting.in</b><b style="background-color: white; color: #4e2800; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;">Email: nsugavanam@gmail.com</b><b style="background-color: white; color: #4e2800; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;"><br /><br />sugaemployment@gmail.com</b><br />
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nsugavanamhttp://www.blogger.com/profile/12888940341173414768noreply@blogger.com0tag:blogger.com,1999:blog-2989242573740365670.post-3994993864694538682013-03-20T20:47:00.002-07:002013-03-20T20:47:32.103-07:00LIC - Money Back Insurance Policy with Profit - from LIC of India is the most popular LIC Policy...<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: large;">LIC - Money Back Insurance Policy with Profit - from LIC of India is the most popular LIC Policy...</span><br />
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<span style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;">Unlike ordinary endowment insurance plans where the survival benefits are payable only at the end of the endowment period, this scheme provides for periodic payments of partial survival benefits as follows during the term of the policy, of course so long as the policy holder is alive.</span><br style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;" /><br style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;" /><span style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;">In the case of a 20-year Money-Back Policy (Table 75), 20% of the sum assured becomes payable each after 5, 10, 15 years, and the balance of 40% plus the accrued bonus become payable at the 20th year.</span><br style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;" /><br style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;" /><span style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;">For a Money-Back Policy of 25 years (Table 93), 15% of the sum assured becomes payable each after 5, 10, 15 and 20 years, and the balance 40% plus the accrued bonus become payable at the 25th year.</span><br style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;" /><br style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;" /><span style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;">An important feature of this type of policies is that in the event of death at any time within the policy term, the death claim comprises full sum assured without deducting any of the survival benefit amounts, which have already been paid. Similarly, the bonus is also calculated on the full sum assured. </span><br />
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Unlike ordinary endowment insurance plans where the survival benefits are payable only at the end of the endowment period, this scheme provides for periodic payments of partial survival benefits as follows during the term of the policy, of course so long as the policy holder is alive.</div>
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In the case of a 20-year Money-Back Policy (Table 75), 20% of the sum assured becomes payable each after 5, 10, 15 years, and the balance of 40% plus the accrued bonus become payable at the 20th year.</div>
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For a Money-Back Policy of 25 years (Table 93), 15% of the sum assured becomes payable each after 5, 10, 15 and 20 years, and the balance 40% plus the accrued bonus become payable at the 25th year.</div>
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An important feature of this type of policies is that in the event of death at any time within the policy term, the death claim comprises full sum assured without deducting any of the survival benefit amounts, which have already been paid. Similarly, the bonus is also calculated on the full sum assured.</div>
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<span class="contentheader2" style="margin: 0px; padding: 0px;">Introduction</span>Insurance Regulatory & Development Authority (IRDA) requires all life insurance companies operating in India to provide official illustrations to their customers. The illustrations are based on the investment rates of return set by the Life Insurance Council (constituted under Section 64C(a) of the Insurance Act 1938) and is not intended to reflect the actual investment returns achieved or may be achieved in future by Life Insurance Corporation of India (LICI).</div>
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For the year 2004-05 the two rates of investment return declared by the Life Insurance Council are 6% and 10% per annum.</div>
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<span class="contentheader2" style="margin: 0px; padding: 0px;">Product summary </span>These are Money Back type Assurance plans that provide financial protection against death throughout the term of plan along with the periodic payments on survival at specified durations during the term.<span class="contentheader2" style="margin: 0px; padding: 0px;"></span></div>
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Premiums :<br style="margin: 0px; padding: 0px;" />Premiums are payable yearly, half-yearly, quarterly, monthly or through salary deductions as opted by you throughout the term of the policy, or till the earlier death.</div>
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<span class="contentheader1" style="margin: 0px; padding: 0px;">Bonuses :</span><br style="margin: 0px; padding: 0px;" />This is a with-profit plan and participate in the profits of the Corporation’s life insurance business. It gets a share of the profits in the form of bonuses. Simple Reversionary Bonuses are declared per thousand Sum Assured annually at the end of each financial year. Once declared, they form part of the guaranteed benefits of the plan. Final (Additional) Bonus may also be payable provided policy has run for certain minimum period. <br style="margin: 0px; padding: 0px;" /><span class="contentheader1" style="margin: 0px; padding: 0px;"><br style="margin: 0px; padding: 0px;" />Death Benefit: </span><span class="contentheader2" style="margin: 0px; padding: 0px;"><br style="margin: 0px; padding: 0px;" /></span>The Sum Assured plus all bonuses to date is payable in a lump sum upon the death of the life assured during the policy term irrespective of the Survival benefit /benefits paid earlier.</div>
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<span class="contentheader2" style="margin: 0px; padding: 0px;"></span><span class="contentheader1" style="margin: 0px; padding: 0px;">Survival Benefits:</span><span class="contentheader2" style="margin: 0px; padding: 0px;"> </span>The percentage of Sum Assured as mentioned below will be paid on survival to the end of specified durations : <br style="margin: 0px; padding: 0px;" /><span class="contentheader2" style="margin: 0px; padding: 0px;"><br style="margin: 0px; padding: 0px;" /></span></div>
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% of Sum Assured paid at the end of specified duration</div>
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<tr bgcolor="#ffffff" style="margin: 0px; padding: 0px;"><td class="contentheader1" rowspan="2" style="margin: 0px; padding: 0px;" width="39%"><div align="center" style="margin: 0px; padding: 0px;">
Duration</div>
</td><td class="contentheader1" colspan="2" style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
Plan</div>
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<tr style="margin: 0px; padding: 0px;"><td bgcolor="#ffffff" class="contentheader1" style="margin: 0px; padding: 0px;" width="39%"><div align="center" style="margin: 0px; padding: 0px;">
75</div>
</td><td bgcolor="#ffffff" class="contentheader1" style="margin: 0px; padding: 0px;" width="22%"><div align="center" style="margin: 0px; padding: 0px;">
93</div>
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<tr bgcolor="#ffffff" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
5</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
20%</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
15%</div>
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<tr bgcolor="#ffffff" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
10</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
20%</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
15%</div>
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<tr bgcolor="#ffffff" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
15</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
20%</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
15%</div>
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<tr bgcolor="#ffffff" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
20</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
40%</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
15%</div>
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<tr bgcolor="#ffffff" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
25</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
-</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
40%</div>
</td></tr>
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All bonuses declared upto the maturity date will also be paid alongwith the final survival benefit.</div>
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<span class="contentheader1" style="margin: 0px; padding: 0px;">Supplementary/Extra Benefits :</span></div>
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These are the optional benefits that can be added to your basic plan for extra protection/option. An additional premium is required to be paid for these benefits.</div>
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<span class="contentheader1" style="margin: 0px; padding: 0px;">Surrender Value:</span></div>
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Buying a life insurance contract is a long-term commitment. However, surrender values are available under the plan on earlier termination of the contract.</div>
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<span class="contentheader1" style="margin: 0px; padding: 0px;">Guaranteed Surrender Value:</span></div>
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The policy may be surrendered after it has been in force for 3 years or more. The guaranteed surrender value is 30% of the basic premiums paid excluding the first year’s premium and all survival benefits paid earlier.</div>
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<span class="contentheader1" style="margin: 0px; padding: 0px;">Corporation’s policy on surrenders:</span></div>
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In practice, the Corporation will pay a Special Surrender Value – which is either equal to or more than the Guaranteed Surrender Value. The benefit payable on surrender is the discounted value of the reduced claim amount that would be payable on death or at maturity. This value will depend on the duration for which premiums have been paid and the policy duration at the date of surrender. In some circumstances, in case of early termination of the policy, the surrender value payable may be less than the total premiums paid.</div>
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The Corporation reviews the surrender value payable under its plans from time to time depending on the economic environment, experience and other factors.</div>
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<strong style="margin: 0px; padding: 0px;">Note:</strong></div>
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The above is the product summary giving the key features of the plan. This is for illustrative purpose only. This does not represent a contract and for details please refer to your policy document.</div>
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<table bgcolor="#cccccc" border="0" cellpadding="3" cellspacing="1" style="color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin: 0px; padding: 0px; width: 50%px;"><tbody style="margin: 0px; padding: 0px;">
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Plan/ Term</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
75/ 20 Years</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
93/ 25 Years</div>
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<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
At the end of 5 years</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
20%</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
15%</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
At the end of 10 years</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
20%</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
15%</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
At the end of 15 years</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
20%</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
15%</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
At the end of 20 years</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
balance 40% + bonus</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
15%</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
At the end of 25 years</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
NIL</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
balance 40% + bonus</div>
</td></tr>
</tbody></table>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<span class="contentheader2" style="margin: 0px; padding: 0px;">Benefit Illustration :</span></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<span class="contentheader1" style="margin: 0px; padding: 0px;">Statutory warning :</span></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
“Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed returns then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable returns then the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance.”</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<span class="contentheader2" style="margin: 0px; padding: 0px;">Illustration 1:</span></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Age at entry : 35 years</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br /></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Policy Term : 20 Years</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br /></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Mode of premium payment : Yearly</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br /></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Sum Assured : Rs. 1,00,000 /-</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br /></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Annual Premium : Rs. 6564 /-</div>
<table align="left" bgcolor="#cccccc" border="0" bordercolor="#000000" cellpadding="3" cellspacing="1" style="color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin: 0px; padding: 0px; width: 38%px;"><tbody style="margin: 0px; padding: 0px;">
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td rowspan="3" style="margin: 0px; padding: 0px;" valign="top" width="37"><div align="center" class="contentheader1" style="margin: 0px; padding: 0px;">
End of year</div>
</td><td rowspan="3" style="margin: 0px; padding: 0px;" valign="top" width="69"><div align="center" class="contentheader1" style="margin: 0px; padding: 0px;">
Total premiums paid till end of year</div>
</td><td colspan="5" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Benefit on Death during the year (Rs.)</div>
</td></tr>
<tr style="margin: 0px; padding: 0px;"><td bgcolor="#ffffff" rowspan="2" style="margin: 0px; padding: 0px;" width="147"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Guaranteed</div>
</td><td bgcolor="#ffffff" colspan="2" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Variable</div>
</td><td bgcolor="#ffffff" colspan="2" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Total</div>
</td></tr>
<tr style="margin: 0px; padding: 0px;"><td bgcolor="#ffffff" height="23" style="margin: 0px; padding: 0px;" valign="top" width="88"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 1</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="61"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 2</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="63"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 1</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="69"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 2</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
1</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
6564</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
2400</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
4800</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
102400</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
104800</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
2</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
13128</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
4800</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
9600</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
104800</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
109600</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
3</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
19692</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
7200</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
14400</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
107200</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
114400</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
4</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
26256</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
9600</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
19200</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
109600</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
119200</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
5</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
32820</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
12000</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
24000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
112000</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
124000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
6</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
39384</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
14400</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
28800</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
114400</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
128800</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
7</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
45948</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
16800</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
33600</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
116800</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
133600</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
8</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
52512</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
19200</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
38400</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
119200</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
138400</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
9</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
59076</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
21600</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
43200</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
121600</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
143200</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
10</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
65640</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
24000</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
48000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
124000</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
148000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
98460</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
36000</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
72000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
136000</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
172000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
131280</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
48000</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
96000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
148000</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
196000</div>
</td></tr>
</tbody></table>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<span class="contentheader2" style="margin: 0px; padding: 0px;"></span></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
</div>
<table align="left" bgcolor="#cccccc" border="0" bordercolor="#000000" cellpadding="3" cellspacing="1" style="color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin: 0px; padding: 0px; width: 38%px;"><tbody style="margin: 0px; padding: 0px;">
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td rowspan="3" style="margin: 0px; padding: 0px;" valign="top" width="36"><div align="center" class="contentheader1" style="margin: 0px; padding: 0px;">
End of year</div>
</td><td rowspan="3" style="margin: 0px; padding: 0px;" valign="top" width="69"><div align="center" class="contentheader1" style="margin: 0px; padding: 0px;">
Total premiums paid till end of year</div>
</td><td colspan="5" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Benefit on survival / maturity at the end of year</div>
</td></tr>
<tr style="margin: 0px; padding: 0px;"><td bgcolor="#ffffff" rowspan="2" style="margin: 0px; padding: 0px;" width="156"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Guaranteed</div>
</td><td bgcolor="#ffffff" colspan="2" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Variable</div>
</td><td bgcolor="#ffffff" colspan="2" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Total</div>
</td></tr>
<tr style="margin: 0px; padding: 0px;"><td bgcolor="#ffffff" height="23" style="margin: 0px; padding: 0px;" valign="top" width="83"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 1</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="61"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 2</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="64"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 1</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="63"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 2</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
1</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
6564</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
2</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
13128</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
3</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
19692</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
4</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
26256</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
5</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
32820</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20000</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
6</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
39384</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
7</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
45948</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
8</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
52512</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
9</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
59076</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
10</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
65640</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20000</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
98460</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20000</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
<div style="float: left; margin: 4px; padding: 0px;">
<ins style="border: none; display: inline-table; height: 280px; margin: 0px; padding: 0px; position: relative; visibility: visible; width: 336px;"><ins id="aswift_4_anchor" style="border: none; display: block; height: 280px; margin: 0px; padding: 0px; position: relative; visibility: visible; width: 336px;"><iframe allowtransparency="true" frameborder="0" height="280" hspace="0" id="aswift_4" marginheight="0" marginwidth="0" name="aswift_4" scrolling="no" style="left: 0px; margin: 0px; padding: 0px; position: absolute; top: 0px;" vspace="0" width="336"></iframe></ins></ins></div>
<div style="margin-bottom: 1.571em; padding: 0px;">
</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
131280</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
40000</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
53000</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
106000</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
93000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
146000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom"> </td><td style="margin: 0px; padding: 0px;" valign="bottom"> </td><td style="margin: 0px; padding: 0px;"> </td><td style="margin: 0px; padding: 0px;"> </td><td style="margin: 0px; padding: 0px;"> </td><td style="margin: 0px; padding: 0px;"> </td><td style="margin: 0px; padding: 0px;"> </td></tr>
</tbody></table>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<span class="contentheader2" style="margin: 0px; padding: 0px;"></span></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<span class="contentheader2" style="margin: 0px; padding: 0px;"></span></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Illustration 2:</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Age at entry : 35 years</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br /></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Policy Term : 25 Years</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br /></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Mode of premium payment : Yearly</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br /></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Sum Assured : Rs. 1,00,000 /-</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br /></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
Annual Premium : Rs. 5507 /-</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<span class="contentheader2" style="margin: 0px; padding: 0px;"><br style="margin: 0px; padding: 0px;" /></span></div>
<table align="left" bgcolor="#cccccc" border="0" bordercolor="#000000" cellpadding="3" cellspacing="1" class="content" style="color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin: 0px; padding: 0px; width: 38%px;"><tbody style="margin: 0px; padding: 0px;">
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td rowspan="3" style="margin: 0px; padding: 0px;" valign="top" width="37"><div align="center" class="contentheader1" style="margin: 0px; padding: 0px;">
End of year</div>
</td><td rowspan="3" style="margin: 0px; padding: 0px;" valign="top" width="69"><div align="center" class="contentheader1" style="margin: 0px; padding: 0px;">
Total premiums paid till end of year</div>
</td><td colspan="5" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Benefit on Death during the year (Rs.)</div>
</td></tr>
<tr style="margin: 0px; padding: 0px;"><td bgcolor="#ffffff" rowspan="2" style="margin: 0px; padding: 0px;" width="147"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Guaranteed</div>
</td><td bgcolor="#ffffff" colspan="2" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Variable</div>
</td><td bgcolor="#ffffff" colspan="2" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Total</div>
</td></tr>
<tr style="margin: 0px; padding: 0px;"><td bgcolor="#ffffff" height="23" style="margin: 0px; padding: 0px;" valign="top" width="88"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 1</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="61"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 2</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="63"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 1</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="69"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 2</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
1</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
5507</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
2700</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
4800</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
102700</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
105800</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;" valign="top"><td style="margin: 0px; padding: 0px;" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
2</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
11014</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
5400</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
9600</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
105400</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
111600</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
3</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin: 0px; padding: 0px;">
16521</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
8100</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
14400</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
108100</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
117400</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
4</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
22028</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
10800</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
19200</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
110800</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
123200</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
5</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
27535</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
13500</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
24000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
113500</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
129000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
6</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
33042</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
16200</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
28800</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
116200</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
134800</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
7</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
38549</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
18900</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
33600</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
118900</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
140600</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
8</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
44056</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
21600</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
38400</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
121600</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
146400</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
9</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
49563</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
24300</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
43200</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
124300</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
152200</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
10</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
55070</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
27000</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
48000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
127000</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
158000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
82605</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
40500</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
72000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
140500</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
187000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="37"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
110140</div>
</td><td style="margin: 0px; padding: 0px;" width="147"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;" width="88"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
54000</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
116000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
154000</div>
</td><td style="margin: 0px; padding: 0px;" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
216000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom"><div align="center" style="margin: 0px; padding: 0px;">
25</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
137675</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
100000</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
67500</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
145000</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
167500</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
245000</div>
</td></tr>
</tbody></table>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<span class="contentheader2" style="margin: 0px; padding: 0px;"></span></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
</div>
<table align="left" bgcolor="#cccccc" border="0" bordercolor="#000000" cellpadding="3" cellspacing="1" style="color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin: 0px; padding: 0px; width: 38%px;"><tbody style="margin: 0px; padding: 0px;">
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td rowspan="3" style="margin: 0px; padding: 0px;" valign="top" width="36"><div align="center" class="contentheader1" style="margin: 0px; padding: 0px;">
End of year</div>
</td><td rowspan="3" style="margin: 0px; padding: 0px;" valign="top" width="69"><div align="center" class="contentheader1" style="margin: 0px; padding: 0px;">
Total premiums paid till end of year</div>
</td><td colspan="5" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Benefit on survival / maturity at the end of year</div>
</td></tr>
<tr style="margin: 0px; padding: 0px;"><td bgcolor="#ffffff" rowspan="2" style="margin: 0px; padding: 0px;" width="156"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Guaranteed</div>
</td><td bgcolor="#ffffff" colspan="2" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Variable</div>
</td><td bgcolor="#ffffff" colspan="2" style="margin: 0px; padding: 0px;" valign="top"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Total</div>
</td></tr>
<tr style="margin: 0px; padding: 0px;"><td bgcolor="#ffffff" height="23" style="margin: 0px; padding: 0px;" valign="top" width="83"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 1</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="61"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 2</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="64"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 1</div>
</td><td bgcolor="#ffffff" style="margin: 0px; padding: 0px;" valign="top" width="63"><div align="center" class="contentheader1" style="margin-bottom: 1.571em; padding: 0px;">
Scenario 2</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
1</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
5507</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
2</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
11014</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
3</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
16521</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
4</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
22028</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
5</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
27535</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
6</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
33042</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
7</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
38549</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
8</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
44056</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
9</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
49563</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
10</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
55070</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
82605</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" valign="bottom" width="36"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
20</div>
</td><td style="margin: 0px; padding: 0px;" valign="bottom" width="69"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
110140</div>
</td><td style="margin: 0px; padding: 0px;" width="156"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td><td style="margin: 0px; padding: 0px;" width="83"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="61"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
0</div>
</td><td style="margin: 0px; padding: 0px;" width="64"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td><td style="margin: 0px; padding: 0px;" width="63"><div align="center" style="margin-bottom: 1.571em; padding: 0px;">
15000</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
25</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
137675</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
40000</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
74500</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
161000</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
114500</div>
</td><td style="margin: 0px; padding: 0px;"><div align="center" style="margin: 0px; padding: 0px;">
201000</div>
</td></tr>
</tbody></table>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<span class="contentheader2" style="margin: 0px; padding: 0px;"></span></div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br style="margin: 0px; padding: 0px;" />i) This illustration is applicable to a non-smoker male/female standard (from medical, life style and occupation point of view) life.</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
ii) The non-guaranteed benefits (1) and (2) in above illustration are calculated so that they are consistent with the Projected Investment Rate of Return assumption of 6% p.a.(Scenario 1) and 10% p.a. (Scenario 2) respectively. In other words, in preparing this benefit illustration, it is assumed that the Projected Investment Rate of Return that LICI will be able to earn throughout the term of the policy will be 6% p.a. or 10% p.a., as the case may be. The Projected Investment Rate of Return is not guaranteed.</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
iii) The main objective of the illustration is that the client is able to appreciate the features of the product and the flow of benefits in different circumstances with some level of quantification.</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
iv) Future bonus will depend on future profits and as such is not guaranteed. However, once bonus is declared in any year and added to the policy, the bonus so added is guaranteed.</div>
<div style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin-bottom: 1.571em; padding: 0px;">
<br /></div>
<table border="0" cellpadding="5" cellspacing="0" style="background-color: white; color: #111111; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13.63636302947998px; line-height: 21.988636016845703px; margin: 0px; padding: 0px;"><tbody style="margin: 0px; padding: 0px;">
<tr style="margin: 0px; padding: 0px;"><td align="left" class="content" style="margin: 0px; padding: 0px;" valign="top"><table align="center" bgcolor="#cccccc" border="0" cellpadding="3" cellspacing="1" style="height: 96px; margin: 0px; padding: 0px; width: 467px;"><tbody style="margin: 0px; padding: 0px;">
<tr bgcolor="#ffffff" class="contentheader" style="margin: 0px; padding: 0px;"><td height="20" style="margin: 0px; padding: 0px;" width="146"> </td><td style="margin: 0px; padding: 0px;" width="166"><div align="center" style="margin: 0px; padding: 0px;">
Minimum</div>
</td><td style="margin: 0px; padding: 0px;" width="133"><div align="center" style="margin: 0px; padding: 0px;">
Maximum</div>
</td></tr>
<tr bgcolor="#ffffff" style="margin: 0px; padding: 0px;"><td class="contentheader" height="20" style="margin: 0px; padding: 0px;" width="146"><div align="center" style="margin: 0px; padding: 0px;">
Entry age</div>
</td><td class="content" style="margin: 0px; padding: 0px;" width="166"><div align="center" style="margin: 0px; padding: 0px;">
13 (lbd)</div>
</td><td class="content" style="margin: 0px; padding: 0px;" width="133"><div align="center" style="margin: 0px; padding: 0px;">
50</div>
</td></tr>
<tr bgcolor="#ffffff" style="margin: 0px; padding: 0px;"><td class="contentheader" height="20" style="margin: 0px; padding: 0px;" width="146"><div align="center" style="margin: 0px; padding: 0px;">
Sum assured (Rs.)</div>
</td><td class="content" style="margin: 0px; padding: 0px;" width="166"><div align="center" style="margin: 0px; padding: 0px;">
50,000</div>
</td><td class="content" style="margin: 0px; padding: 0px;" width="133"><div align="center" style="margin: 0px; padding: 0px;">
NO LIMIT</div>
</td></tr>
<tr bgcolor="#ffffff" style="margin: 0px; padding: 0px;"><td class="contentheader" height="32" style="margin: 0px; padding: 0px;" width="146"><div align="center" style="margin: 0px; padding: 0px;">
Term (years)</div>
</td><td class="content" style="margin: 0px; padding: 0px;" width="166"><div align="center" style="margin: 0px; padding: 0px;">
Fixed at 20 for plan 75 and 25 for plan 93</div>
</td><td class="content" style="margin: 0px; padding: 0px;" width="133"><div align="center" style="margin: 0px; padding: 0px;">
-</div>
</td></tr>
</tbody></table>
<table align="center" bgcolor="#cccccc" border="0" bordercolor="#333333" cellpadding="3" cellspacing="1" style="margin: 0px; padding: 0px; width: 88%px;"><tbody style="margin: 0px; padding: 0px;">
<tr bgcolor="#ffffff" class="contentheader" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" width="30%"><div align="center" style="margin: 0px; padding: 0px;">
Mode of Payment</div>
</td><td style="margin: 0px; padding: 0px;" width="40%"><div align="center" style="margin: 0px; padding: 0px;">
Maximum Maturity Age</div>
</td><td style="margin: 0px; padding: 0px;" width="30%"><div align="center" style="margin: 0px; padding: 0px;">
Policy loan available</div>
</td></tr>
<tr bgcolor="#ffffff" class="content" style="margin: 0px; padding: 0px;"><td style="margin: 0px; padding: 0px;" width="30%"><div align="center" style="margin: 0px; padding: 0px;">
Yearly, Half-yearly,Quarterly, Monthly, Salary Saving Scheme</div>
</td><td style="margin: 0px; padding: 0px;" width="40%"><div align="center" style="margin: 0px; padding: 0px;">
70 years</div>
</td><td style="margin: 0px; padding: 0px;" width="30%"><div align="center" style="margin: 0px; padding: 0px;">
No</div>
</td></tr>
</tbody></table>
</td></tr>
<tr style="margin: 0px; padding: 0px;"><td align="left" class="content" style="margin: 0px; padding: 0px;" valign="top"> </td></tr>
</tbody></table>
<br />
<b style="background-color: white; color: #4e2800; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;">For further details contact:<br /><br />SUGA Insurance Services,<br />(A division of SUGA Consulting Services)<br />Office No.26, TNHB Shopping Complex, 180, Luz Church Road, (Landmark: Near Luz Pillaiyar Koil)<br />Mylapore, Chennai – 600004<br />----------------------------------------------------------------------<br />SUGA = Success Unlimited Guaranteed Always<br />----------------------------------------------------------------------<br /><br />Sugavanam N, M.A., F.I.I.I., MBA<br />CEO and Chief Strategic Consultant,<br /><br />Mobile: Vodafone: 91-91762-44989, 9176244979, 9176871191, AirTel: 91-9940058497, BSNL: 91-9445437117,<br />Landline: 91-44-2498-4148<br /><br />Please visit our Official web site: www.sugaconsulting.in</b><b style="background-color: white; color: #4e2800; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;">Email: nsugavanam@gmail.com</b><b style="background-color: white; color: #4e2800; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;"><br /><br />sugaemployment@gmail.com</b><br />
<span style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;"><br /></span></div>
nsugavanamhttp://www.blogger.com/profile/12888940341173414768noreply@blogger.com0tag:blogger.com,1999:blog-2989242573740365670.post-87979233034426391742013-03-20T20:31:00.000-07:002013-03-20T20:32:41.102-07:00Jeevan Mitra(Triple Cover Endowment Plan) - Very good Insurance Policy from LIC of India...<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; color: #333333; font-family: Verdana, Arial, Helvetica, sans-serif;"><b><span style="font-size: large;">Jeevan Mitra(Triple Cover Endowment Plan)</span></b></span><br />
<span style="background-color: white; color: #333333; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px;"><br /></span>
<span style="background-color: white; color: #333333; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px;"><br /></span>
<br />
<div style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;">
This is an Endowment Assurance plan that provides greater financial protection against death throughout the term of plan. It pays the maturity amount on survival to the end of the policy term.</div>
<div style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;">
Premiums :<br />
Premiums are payable yearly, half-yearly, quarterly, monthly or through Salary deductions, as opted by you, throughout the term of the policy or earlier death.</div>
<div style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;">
Bonuses : This is a with-profit plan and participates in the profits of the Corporation’s life insurance business. It gets a share of the profits in the form of bonuses. Simple Reversionary Bonuses are declared per thousand Sum Assured annually at the end of each financial year. Once declared, they form part of the guaranteed benefits of the plan. A Final (Additional) Bonus may also be payable provided a policy has run for certain minimum period.</div>
<div style="background-color: white; color: #555555; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 10.909090995788574px; text-align: justify;">
<br /></div>
<div style="background-color: white; text-align: justify;">
</div>
<ul style="border: 0px; color: #575757; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 15.454545021057129px; line-height: 24.375px; list-style: none; margin: 0px 0px 1.625em; outline: 0px; padding: 0px; text-align: start; vertical-align: baseline;">
<li style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; list-style: square; margin-bottom: 0px; margin-left: 1.625em !important; margin-right: 0px; margin-top: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">LIC’s Jeevan Mitra (Table No 88) helps to make provision for the family of the life Assured in the event of his early death, but also assures a lump sum at a desired age.</li>
<li style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; list-style: square; margin-bottom: 0px; margin-left: 1.625em !important; margin-right: 0px; margin-top: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">For a small extra cost it provides a risk cover of 2 times the basic Sum Assured.</li>
<li style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; list-style: square; margin-bottom: 0px; margin-left: 1.625em !important; margin-right: 0px; margin-top: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Higher bonus as compared to endowment plans.</li>
<li style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; list-style: square; margin-bottom: 0px; margin-left: 1.625em !important; margin-right: 0px; margin-top: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">In the case of Accidents, the risk cover goes up to 3 times.</li>
<li style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; list-style: square; margin-bottom: 0px; margin-left: 1.625em !important; margin-right: 0px; margin-top: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">It provides high risk cover for a comparatively lower cost.</li>
</ul>
<div style="text-align: left;">
<div style="border: 0px; color: #575757; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 15.454545021057129px; line-height: 24.375px; margin-bottom: 1.625em; outline: 0px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; color: #ff6600; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Who can avail this plan?</span> </strong><br />
Individuals age between 18 years (last birthday) and 50 years (nearer birthday)</div>
<div style="border: 0px; color: #575757; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 15.454545021057129px; line-height: 24.375px; margin-bottom: 1.625em; outline: 0px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; color: #ff6600; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">For how long is premium payable?</span></strong><br />
Throughout the term of the policy or early death.</div>
<div style="border: 0px; color: #575757; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 15.454545021057129px; line-height: 24.375px; margin-bottom: 1.625em; outline: 0px; padding: 0px; vertical-align: baseline;">
<span style="border: 0px; color: #ff6600; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">What is the minimum and maximum sum assured available under the plan?</strong></span><br />
Minimum Sum Assured : Rs. 50,000/-<br />
Maximum Sum Assured : No limit</div>
<div style="border: 0px; color: #575757; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 15.454545021057129px; line-height: 24.375px; margin-bottom: 1.625em; outline: 0px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; color: #ff6600; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">What are the permissible premium payment modes?</span></strong><br />
Premiums can be paid in Quarterly, Half-Yearly, Yearly and Monthly or through Salary deduction.</div>
<div style="border: 0px; color: #575757; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 15.454545021057129px; line-height: 24.375px; margin-bottom: 1.625em; outline: 0px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; color: #ff6600; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Is this plan available to ladies?</span></strong><br />
Yes.</div>
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<span style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: underline; vertical-align: baseline;"><strong style="border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; color: #ff6600; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">FEATURES</span></strong></span></div>
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The benefits of this policy are considered normally for standard and substandard lives Class I and II. It cannot be allowed for people engaged in hazardous occupations. Female lives under Category I & II allowed. Non-medical special is allowed only if the Sum Assured does not exceed Rs.1,00,000/-</div>
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Besides the usual benefits offered by any endowment insurance plan, this policy provides for an additional insurance cover equal to the sum assured in the event of a policy holder’s death during the term of the policy. In other words, the death claim in the case of this policy is twice the basic sum assured.</div>
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The survival claim, on the other hand, is the basic sum assured, plus the accrued bonuses. Bonus is, similarly, calculated only on the basic sum assured at rates applicable to endowment policies.</div>
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<b style="color: #4e2800; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;">For further details contact:<br /><br />SUGA Insurance Services,<br />(A division of SUGA Consulting Services)<br />Office No.26, TNHB Shopping Complex, 180, Luz Church Road, (Landmark: Near Luz Pillaiyar Koil)<br />Mylapore, Chennai – 600004<br />----------------------------------------------------------------------<br />SUGA = Success Unlimited Guaranteed Always<br />----------------------------------------------------------------------<br /><br />Sugavanam N, M.A., F.I.I.I., MBA<br />CEO and Chief Strategic Consultant,<br /><br />Mobile: Vodafone: 91-91762-44989, 9176244979, 9176871191, AirTel: 91-9940058497, BSNL: 91-9445437117,<br />Landline: 91-44-2498-4148<br /><br />Please visit our Official web site: www.sugaconsulting.in</b><b style="color: #4e2800; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;">Email: nsugavanam@gmail.com</b><b style="color: #4e2800; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 18px;"><br /><br />sugaemployment@gmail.com</b></div>
nsugavanamhttp://www.blogger.com/profile/12888940341173414768noreply@blogger.com0tag:blogger.com,1999:blog-2989242573740365670.post-15190905418321483472013-03-20T20:11:00.002-07:002013-03-20T20:14:21.933-07:00SUGA Insurance Services offers various Insurance Services<div dir="ltr" style="text-align: left;" trbidi="on">
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<b>SUGA Insurance Services offers various Insurance Services</b><br />
<b><br /></b>
<br />
<ul style="text-align: left;">
<li>If you want to take Life Insurance Policies from LIC of India, Please approach us. We will give best Policy details...</li>
<li>If you want to take General Insurance for your car and other personal belongings from Government General Insurance Companies like</li>
<ul>
<li>United India Insurance Company Limited, Chennai</li>
<li>The Oriental Insurance Company Limited, New Delhi</li>
<li>The New India Assurance Company Limited, Mumbai</li>
<li>National Insurance Company Limited, Kolkatta</li>
</ul>
<li>Please contact us for any of your policy requirements</li>
<li>Insurance Claims Procedures</li>
<li>Insurance Survey Need</li>
<li>To know anything about Insurance in India...</li>
</ul>
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<b style="font-size: 13px; line-height: 18px;">For further details contact:<br /><br />SUGA Insurance Services,<br />(A division of SUGA Consulting Services)<br />Office No.26, TNHB Shopping Complex, 180, Luz Church Road, (Landmark: Near Luz Pillaiyar Koil)<br />Mylapore, Chennai – 600004<br />----------------------------------------------------------------------<br />SUGA = Success Unlimited Guaranteed Always<br />----------------------------------------------------------------------<br /><br />Sugavanam N, M.A., F.I.I.I., MBA<br />CEO and Chief Strategic Consultant,<br /><br />Mobile: Vodafone: 91-91762-44989, 9176244979, 9176871191, AirTel: 91-9940058497, BSNL: 91-9445437117,<br />Landline: 91-44-2498-4148<br /><br />Please visit our Official web site: www.sugaconsulting.in</b><b style="font-size: 13px; line-height: 18px;">Email: nsugavanam@gmail.com</b><b style="font-size: 13px; line-height: 18px;"><br /><br />sugaemployment@gmail.com</b></div>
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nsugavanamhttp://www.blogger.com/profile/12888940341173414768noreply@blogger.com0