You get married.

You have
children. You get them
married. You retire.
Isn’t life full of certainties?

Your IndiaFirst Life

Insurance Plan
www.indiafirstlife.com • Call us on 1800 209 8700

Disclaimer: Applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable.
IndiaFirst Life Insurance Company Limited, IRDAI Regn No.143, CIN: U66010MH2008PLC183679, Address: 12th & 13th floor, North [C] Wing, Tower 4,
Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400 063. www.indiafirstlife.com, SMS <LIFE> to 5667735 SMS
Charges apply. Toll free No – 1800 209 8700. Trade logo displayed above belongs to our promoters M/s Bank of Baroda and M/s Union Bank of India
and are used by IndiaFirst Life Insurance Co. Ltd under License. Advt. Ref. No.: IndiaFirst Life Guaranteed Protection Plan/Policy Document/ E/ 001.
BEWARE OF SPURIOUS / FRAUD PHONE CALLS
• IRDAI is not involved in activities like selling of insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls
are requested to lodge a police complaint.
 PART A
INDIAFIRST LIFE INSURANCE COMPANY LIMITED
Regd. & Corporate Office: 12th and 13th Floor, North [C] Wing,Tower 4, Nesco IT Park, Nesco Center,Western Express
Highway,Goregaon (East),Mumbai – 400063
CIN : U66010MH2008PLC183679
T52 14542/311061/SpeedPost/B0619/0

Date : Feb 07, 2022

To, Agency code : 50000001
Mr. FULAV SARFARAZ RAZZAK Agency Name : BANK OF BARODA
101 Raza building
Navin nagar Branch Name : TAROTA BAZAR, NAVSARI
Tarota bazar
Navsari Contact No : 2637257003
Gujarat - 396445 Email ID : tarota@bankofbaroda.com
Mobile No: 9426527408
Policy No: 20226066
Branch Address IndiaFirst Financial Planning Center Address
BANK OF BARODA TAROTA BAZAR 304 3rd Floor
PADMINI CAMPUS Titanium Square Adajan
Gujarat - 396445 Pal-Hajira road
Surat
Gujarat - 395009
India

IndiaFirst Life Guaranteed Benefit Plan – UIN: 143N056V04

A Non-Linked, Non-Participating, Limited Premium, Endowment Life Insurance Plan
Dear Customer,

Congratulations! You have taken a step towards insuring your ‘Happy Family’ and we are glad to be part of this journey with you.

All our products have been designed to be simple and easy to understand, providing true value for money.

We have provided you the relevant information about your policy in this policy document. This document is simple to understand.
Please read it carefully to ensure that this is the right policy for your financial needs.

You can return your policy document if you disagree with any of the terms and conditions within the first 15 (fifteen) days of receipt of
your Policy document. In case you have bought this Policy through distance marketing or electronic mode, then, you may return the
Policy within 30 (thirty) days from the date of receipt of your Policy document.

You will need to send us the original Policy document and a written request stating your reasons for cancellation, post which we will
cancel the policy and refund your Premium within 15 days of receipt of the request after deducting the pro rata risk Premium and rider
premium, if any, stamp duty and medical cost, if any

In case of any communication in respect of the policy; You may contact Us at IndiaFirst Life Insurance Company Ltd, 12th & 13th floor,
North [C] Wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400 063. You can also
write to Us at customer.first@indiafirstlife.com or contact us on 1800 209 8700.

Thank you once again for choosing IndiaFirst.

Yours truly,

Atri Chakraborty
Chief Operating Officer

Insurance Intermediary Details

Name: BANK OF BARODA

Intermediary Code : CA0004

Telephone No.: 022-66985000-04

Address: Baroda Coporate Centre C26, G Block,Bandra Kurla Complex Bandra East, Mumbai .. 400051

E-mail ID : dgm.retail@bankofbaroda.com
T52

IndiaFirst Life Guaranteed Benefit Plan

A Non-Linked Non-Participating Limited Premium Endowment Life Insurance Plan
UIN [143N056V04]
The Policyholder and the Life Assured named in the Policy Schedule have submitted the Proposal Form together with a personal
statement and paid the first instalment of Premium specified herein to the Company for grant of the benefits specified in the
Policy Schedule. It is agreed by the Policyholder, the Life Assured and the Company that the Proposal Form and the personal
statement together with any report or other documents shall form the basis for issuance of this Policy and that the grant of the
benefits under this Policy is subject to due receipt of subsequent instalments of Premiums and due compliance with the terms
and conditions contained in this document.

Subject to the terms and conditions of this Policy, the Company agrees that the benefits under this Policy shall become payable
on the death of the Life Assured during the Policy Term or on occurrence of the covered event during the Policy Term, as the
case may be.

It is further hereby declared that every endorsement issued on this Policy by the Company shall be deemed to be a part of this
Policy.

Signed by and on behalf of

IndiaFirst Life Insurance Company Limited

Atri Chakraborty
Chief Operating Officer
FirstPremiumReceipt
Mr. FULAV SARFARAZ RAZZAK
101 Raza building
Navin nagar
Tarota bazar
Navsari
Gujarat - 396445
Mobile No: 9426527408

Premium Payment Details

Policy number 20226066
Name of the Policyholder Mr. FULAV SARFARAZ RAZZAK
Basic plan IndiaFirst Life Guaranteed Benefit Plan
Premium received (In INR) 104,500.00
Payment mode Yearly
Next Premium due 05/02/2023

Pleasenote:
n If you are an individual, your premiums paid under the plan, are eligible for tax deductions under Section 80 C as applicable
under Income Tax Act, 1961

n Tax laws are subject to change from time to time. Please refer to the ‘Policy Schedule’ available with the Plan Documents for
further details.

n
This is a computer generated receipt and does not require a signature

n
This receipt is issued subject to the clearance of the payment

Please contact us for any further information, on 1800-209-8700 or email us at customer.first@indiafirstlife.com or visit us at
www.indiafirstlife.com

Consolidated Revenue Mudrank paid vide certificate No.CSD/227/2021/6305 Dt. 28th Dec 2021
This page is intentionally left blank.
 Annexure A
I.Policy details Policy Schedule
Company Name: IndiaFirst Life Insurance Company Limited
Product Name: IndiaFirst Life Guaranteed Benefit Plan
UIN: 143N056V04
Policy Number: 20226066
Proposal Form Number: P03381255
Policy Commencement Date: 05/02/2022
Risk Commencement Date : 05/02/2022
Maturity Date : 05/02/2032
II.Premium and Benefit Details
Benefit Option : Lumpsum Benefit
Guaranteed Sum Assured at
6,75,260.00 Sum Assured on Death : 1,000,000.00
Maturity
Policy Term (In Years) 10 Premium Paying Term (In Years) 05

Premium Payment Mode: Yearly Premium Due Dates : 05/02/2023

Due Date for Payment of Last Annualized Premium :
05/02/2026 100,000.00
Regular Premium : Annualized Rider Premium, if any
Installment Premium (in INR) :
Installment Rider Premium, if any 100,000.00 Extra Premium, if any : 0.00
(in INR) :
Total Premium (including Applicable
Applicable Taxes (in INR) : 4,500.00 104,500.00
Taxes) in INR :
III. Policyholder and Life Assured Details
Policyholder’s Name: Mr. FULAV SARFARAZ RAZZAK
Date of Birth: 31/07/1984
Relationship with Life Assured: Self
101 Raza building
Policyholder’s Address: Navin nagar Tarota bazar
Navsari
Gujarat - 396445

Telephone No./ Mobile No: 9426527408

Email Address: tarota@bankofbaroda.co.in
Life Assured’s Name: Mr. FULAV SARFARAZ RAZZAK
Date of Birth: 31/07/1984
Client ID: 81558610
Gender (Male / Female): M
101 Raza building
Life Assured’s Address: Navin nagar Tarota bazar
Navsari
Gujarat 396445
Telephone No./ Mobile No: 9426527408
Email Address: tarota@bankofbaroda.co.in
IV.Nominee(s) details as per Section 39 of the Insurance Act, 1938 as amended from time to time

Nominee Name Percentage Share Age of Nominee Relationship of Nominee Appointee’s Name*
Ms. Kanizfatema Fulav 100% 33 Daughter
*If any of the Nominees is a minor, then, the Appointee will be the person named as the Appointee in the Proposal Form and
shall be entitled to receive the death benefit from us for and on behalf of the Nominee under this Policy.
V. Rider Benefit:

Rider Sum Rider Premium Paying Total Rider

Rider Benefit UIN Rider Term Rider Premium Applicable Taxes Extra Premium
Assured Term Premium
VI. Insurance Distributor Details
Name: BANK OF BARODA
License Number : CA0004
Telephone No.: 022-66985000-04
Address: Baroda Coporate Centre C26, G Block,Bandra Kurla Complex Bandra East, Mumbai .. 400051

E-mail ID : dgm.retail@bankofbaroda.com

VII. Special Conditions

NIL
The Stamp Duty of Rs. 200.00/- (Rupees Two Hundred Rupees . only) paid vide certificate No. CSD/253/2022/1382 dated 21st Jan 2022.
Government Notification Revenue and Forest Department No. Mudrank CSD/227/2021/6305, dated Dt. 28th Dec 2021.

Note: ON EXAMINATION OF THIS POLICY, if you notice any mistake, then, you may contact us for correction of the same.

The Premium payable under this Policy may differ on the basis of the Extra Premiums, if any, the Premium payment mode chosen by you and the
applicable Modal Factor.

Please read the terms and conditions of this Policy carefully to understand the terms referred to in this Policy Schedule.
 PART B

Definitions
We have listed below a few words, terms and phrases which have been used in this Policy along with their meaning for your easy reference.

Word Meaning
Age of the Life Assured as at the last birthday on the Policy Commencement Date and on any subsequent
Age
Policy Anniversary.
Annexure Any annexure, endorsement attached to this Policy as changed/ modified and issued by us from time to time.
Annual Income
Annual Income refers to the amount payable at the end of each policy year during the Income Period except on
(applicable only if Income
maturity, as specified in the Policy Schedule.
Benefit option is selected)
Annualized Premium shall be the premium amount payable in a year chosen by policyholder, excluding the
Annualized Premium
taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any
The person appointed by you to receive the benefits under this Policy, if the Nominee is less than 18
Appointee
(Eighteen) years of Age.
Assignment is the process through which Policyholder can assign the rights and benefits under the policy to
Assignment any other person / entity by virtue of an assignment clause under section 38 of the Insurance Act, 1938 as
amended from time to time.
Death Benefit The benefit payable on Death of the Life Assured, as specified in PART C of this Policy Document.
Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance
products through the following modes: (i) Voice mode, which includes telephone-calling; (ii) Short Messaging
Distance Marketing service (SMS); (iii) Electronic mode which includes e-mail, internet and interactive television (DTH); (iv)
Physical mode which includes direct postal mail and newspaper & magazine inserts; and, (v) Solicitation
through any means of communication other than in person
An additional amount payable by you, which is determined by us in accordance with our board approved
underwriting policy. This is determined on the basis of information provided by you in the Proposal Form or on
Extra Premium
the basis of any other information submitted to us or through medical examination of the Life Assured subject
to your consent. e.g. we may charge an Extra Premium in case of a Life Assured who is a smoker.
A period of 15 days (30 days if the policy is sourced through distance marketing or electronic mode) from the
Free Look Period date of receipt of the Policy, during this period you can return the policy if you disagree to any of the terms and
conditions of your policy.
First Unpaid Premium Date Date from where the premium is due however not paid by the policyholder
Gap Period
Gap Period refers to the period post the Premium Paying Term, as specified in the Policy Schedule, at the end
(applicable only if Income
of which the Policyholder becomes entitled to receive the survival benefits.
Benefit option is selected)
A period of one month but not less than 30 (Thirty) days from the due date for payment of Premium for yearly,
Grace Period half yearly and quarterly Premium payment mode and 15 (Fifteen) days for monthly Premium payment mode.
During this period the policy will be considered to be in-force.
Guaranteed Surrender Value The minimum amount payable by us on Surrender of this Policy
Income Period
Income Period refers to the period post Gap Period, as specified in Policy Schedule, during which the
(applicable only if Income
Policyholder is entitled to receive the survival benefits.
Benefit option is selected)
Income Tax Act Income Tax Act, 1961, as amended from time to time
An amount that you pay us during the Premium Paying Term at regular intervals for securing the benefits
under this Policy. The Premium payable under this Policy will be determined by us on the basis of the Premium
Installment Premium
payment mode chosen by you and the applicable Modal Factor. Your Premium is specified in the Policy
Schedule.
Insurance Act Insurance Act, 1938 and as amended from time to time
Non-payment of premium within the expiry of grace period and provided Policy has not acquired any Paid-Up
Lapse
value.
Life Assured The person on whose life this Policy has been issued by us.
This is the amount you receive on the Maturity Date, provided the Life Assured is alive, as specified in PART C
Maturity Benefit
of this Policy Document.
A factor used by us for calculating the instalment Premium payable by You under this Policy, if you have opted
Modal Factor
to pay the Premium other than yearly mode.
Monthly Income
Monthly income refers to the amount as chosen by the Policyholder at inception of the policy, as specified in
(applicable only if Income
the Policy Schedule, and payable at the beginning of the each policy month during the Income Period.
Benefit option is selected)
Nominee is the person nominated by the Life Assured under this Policy who is authorized to receive the claim
Nominee
benefit payable under this Policy and to give a valid discharge to the Company on settlement of the claim
Nomination Nomination is as per section 39 of the Insurance Act, 1938 as amended from time to time
Under this Policy, if we have received all the due Premiums from you for the first 2 (Two) full Policy Years then,
Paid-Up Mode
this Policy will not terminate on non-payment of due premium(s) but continue under paid up mode.
This IndiaFirst Life Guaranteed Benefit Plan, which includes this Policy wording (as may be changed/ modified
by us subject to receipt of prior approval of the Regulatory Authority, from time to time), the Proposal Form,
Policy
Annexures, the Policy Schedule, any tables, information and documents which form a part of this Policy. This
Policy includes the entire contract of insurance between you and us.
Policy Anniversary The annual anniversary of the Policy Commencement Date.
Policy Commencement Date The date on which this Policy is issued by us. This is specified in the Policy Schedule.
The schedule attached to this Policy as Annexure A and if we have issued a revised Policy Schedule, then,
Policy Schedule
such revised Policy Schedule.
Policy Term The period which starts on the Policy Commencement Date and ends on the Maturity Date.
A period of 12 (Twelve) consecutive months starting from the Policy Commencement Date and ending on the
Policy Year day immediately preceding its annual anniversary and each subsequent period of 12 (Twelve) consecutive
months thereafter during the Policy Term.
Premium An amount that you pay us for securing the benefits under this Policy. This is specified in the Policy Schedule.
The time period during which you need to pay your Premiums regularly to us for securing the benefits under
Premium Paying Term
this Policy. Your Premium Paying Term is specified in the Policy Schedule.
Proposal Form The proposal form completed and submitted by you based on which we have issued this Policy to you.
Risk Commencement Date The date on which the insurance coverage starts under this Policy. This is specified in the Policy Schedule.
The Insurance Regulatory and Development Authority of India or such other authority or authorities, as may be
Regulatory Authority designated/ appointed under the applicable laws and regulations as having the authority to oversee and
regulate life insurance business in India.
Revival is the process of restoring all the benefits under the Policy due to the nonpayment of premiums on due
Revival
dates, resulting in the Policy getting lapsed or paid-up as the case may be.
The period of 5 (Five) consecutive years from the date of first non-payment of premium during which you can
Revival Period pay the due unpaid Premiums with interest/Late fees to us and comply with the conditions specified in Part D,
as the case may be for reviving the Policy
The Special Surrender Value will be used by us for determining the Surrender Value payable under this Policy
Special Surrender Value
upon Surrender of this Policy.
Surrender Termination or cancellation of this Policy prior to the Maturity Date.
The amount payable by us on Surrender of this Policy before the Maturity Date, which is higher of the
Surrender Value
Guaranteed Surrender Value or the Special Surrender Value.
The sum of premiums paid during the term of the Policy excluding modal loading factor, applicable tax and
Total Premiums Paid
underwriting extra premium, rider premiums, if any.
We or us or our or Insurer or
IndiaFirst Life Insurance Company Limited.
Company
You or your or Policyholder or
The person named as the Policyholder in the Policy Schedule, who has taken this Policy from us.
Proposer
PART C  If you do not pay due premium within 12 months from the date of
“First Unpaid Premium” then the policy will get converted to
reduced paid up policy.
1. Benefits under the policy
1.1 Death Benefit
On Death of the Life Assured during the policy term when the policy is 4. Paid-Up benefits
in force or fully paid-up, the death benefit will be payable, and the In case of non-payment of premium before the expiry of grace period,
policy will acquire paid-up value provided at least two (2) full years
policy will terminate.
premium have been paid.

Death Benefit is higher of Sum Assured on Death Or 105% of total

premiums paid, till date of death. 4.1 Death Benefit under Reduced Paid up policy:

Where Sum Assured on Death is as mentioned in the Policy o Within one year from the date of first unpaid premium:
Schedule. Full Death benefit as per in-force policy as per terms and
conditions mentioned in section 3 above
Death benefit will be paid either as lump sum amount or in monthly
instalments over the period of 5,10 or 15 years as opted by the o If Death happens after One Year from the date of first unpaid
policyholder/nominee(s) at any time during policy period or on death premium:
of Life Assured. In case of death benefit in instalments; the monthly The death benefit would be the Reduced paid-up Sum Assured
instalment amount will be calculated by multiplying the death benefit on death.
by annuity factor, where annuity factor will be arrived on the basis of Where Reduced paid-up Sum Assured on death is defined as
prevailing SBI savings bank interest rate as on date of death. Once Sum Assured on Death as on the date of policy being made
the instalment payment starts, this payment remains level throughout paid-up * (Total numbers of premiums paid)/ (Total Number of
the instalment period. The prevailing SBI savings bank interest rate is premiums payable over the policy term)
subject to review at the end of every financial year. The prevailing
interest rate will be decided on 31st March every year. 4.2 Maturity Benefit under the Reduced Paid-up policy:
The maturity benefit would be the Reduced paid-up Sum Assured on
Life cover starts immediately for policy issued under minor life (Age at maturity.
Entry less than 18 years). The policy will vest on life assured on Where Reduced paid-up Sum Assured on maturity is defined as
attainment of majority i.e. 18 years. (Guaranteed Sum Assured on Maturity * (Total numbers of premiums
paid)/ (Total Number of premiums payable over the policy term))
1.2 Maturity benefit
Maturity benefit will be payable on survival up to the end of policy 4.3 A Reduced Paid-Up policy can be revived and reinstated (to the
original benefits) within five years from the date of first unpaid
term provided the policy is in force and fully paid-up. Maturity benefit Premium subject to the conditions.
is the guaranteed sum assured at maturity, as mentioned in the Policy
Schedule. In any case, the guaranteed sum assured at maturity shall 4.4 If policy in Reduced Paid Up mode is not revived during the
not be less than the total premiums paid under this policy. revival period, it will continue in the reduced paid up mode until
maturity or death or surrender of the policy.
2. Rider benefit
IndiaFirst Life Waiver of Premium Rider will be available under this 4.5 A Policy becomes fully paid-up provided all due premiums are
policy, for Premium Paying Term of 6 and 7 years. This rider will not paid during the term of the policy and the benefits payable will be as
be offered if the term of the rider exceeds outstanding Premium per the terms and conditions of the policy.
Paying Term under the base policy.
4.6 In any case the Reduced Paid-up Sum Assured on death or
This rider provides benefit of waving all future premiums due and Reduced Paid-up Sum Assured on Maturity as mentioned above shall
not be less than the total premiums paid under this policy.
payable under the Base Policy on the occurrence of the covered
event provided you have opted this rider and subject to base policy 5. Surrender Benefit
and rider being in force. Please refer to rider policy document for You may surrender this Policy during the Policy Term, by submitting a
details. written request to us any time after the Policy has acquired the
Surrender Value. Please remember, you cannot revive your Policy
3. Life Cover Continuance Benefit once it is surrendered.

 Your policy will have life cover continuance benefit if the policy Surrender Value is acquired, if you have paid your Premiums for at
has acquired paid up value. least two full policy years.
 Under this benefit; if you miss to pay premium for one policy year
after your policy acquires paid up value; full death benefit under The Guaranteed Surrender Value (GSV) will be GSV factor for
the policy will continue as per the inforce policy for one year from premium * total premium paid.
the date of “First Unpaid Premium (FUP)” and no due premium
The Special Surrender Value will be Guaranteed Sum Assured on
at FUP date will be deducted from death benefit amount.
Maturity * SSV factor prevailing at the time of surrender.
 Policyholder will have an option to further extend the benefit of
“Life Cover Continuance Benefit” if he pays due premium with For reduced paid-up policy or premium paying policies before
applicable interest within one year from date of “First Unpaid completion of Premium Paying Term, the Special Surrender Value will
Premium.” On such payment, Life cover continuance benefit will be Paid-up Sum Assured on maturity * SSV factor prevailing at the
be applicable, for one year from the revised “Unpaid Premium” time of surrender.
date.
Surrender value will be higher of SSV and GSV, where GSV and SSV
will be calculated as mentioned above.
For more details on guaranteed surrender value factors, please refer (v) Solicitation through any means of communication other than in
to Annexure I or visit our website, www.indiafirstlife.com or get in person
touch with your financial advisor.

In case of non-payment of premium within the expiry of grace period 10. Loan
and provided policy has not acquired any Surrender Value; the policy You can avail a loan upto 70% of the acquired Surrender Value, if
will lapse. All the benefits will cease, and no benefit will be payable any. The minimum loan amount which can be availed is INR 1000.
under the policy. We will charge interest at a rate of 9% per annum which may be
revised by us from time to time subject to IRDAI approval. Any
6. Grace Period
change in loan interest rate is subject to prior approval from IRDAI.
You are provided a Grace Period of 15 days under monthly mode and
one month but not less than 30 days for other premium payment
On availing loan, this Policy will be assigned to us. We will reassign
modes, in case you miss your due premium on the due dates. In case
this Policy to you provided you have repaid the entire loan amount
of the Life Assured’s death or occurrence of any covered event as per
along with interests. We will recover any unpaid loan amount along
the benefit option chosen during the Grace Period, we will pay the
with interest before paying the death benefit to the Nominee(s) /
benefit after deducting the unpaid due premiums till date of death or
Appointee/ legal heir(s) or the maturity benefit to the Policyholder. If
date of the covered event. During this period the policy will be
this Policy is under Paid-Up Mode, then, this Policy will be
considered to be in-force.
compulsorily surrendered by us and the outstanding loan amount
along with the interest will be recovered from the Surrender Value or
7. Premium Payment
paid-up benefit in case the loan amount along with interest exceeds
Regular Premiums can be paid to us either by monthly/ quarterly/ half
the Surrender Value. Compulsory surrender will not be applicable for
yearly/ yearly payment mode, as selected by you in the Proposal
in force policies i.e. no in-force policy will be foreclosed.
Form. The Premiums should be paid on or before the due dates to
avoid any lapsation. You are provided a Grace Period of 15 days
under monthly mode and 30 days for other premium payment modes,
In case the policy becomes due for any survival benefit or income
in case you miss your due premium on the due dates.
benefit or maturity benefit or surrender benefit or becomes a claim by
death, insurer shall become entitled to deduct the amount of the loan
We will offer discount on renewal premium amount if you pay the
or any portion thereof which is outstanding, together with all interest
premium at least one month prior to premium due date till 12 months
from the policy proceeds
prior to premium due date, provided this period falls within the same
For in-force policies policyholder will be informed to repay the loan
financial year as the premium due date. The premium due in one
partially or completely when the outstanding loan amount including
financial year may be collected in advance in earlier financial year for
interest exceeds 90% of the surrender value.
a maximum period of three months in advance of the due date of the
premium to be eligible for discount. No discount will be offered if
premium is paid within one month prior to premium due date.
PART E
11. Charges
PART D
This is a non-linked non-participating limited premium endowment life
insurance plan. There are no charges applicable under this plan.
8. Reviving your Lapsed Policy
You may revive the lapsed Policy within 5 years from the due date of
PART F
first unpaid regular premium but before the Maturity Date by:
12. Making a Claim
i.submitting a written request for revival of the lapsed Policy;
In order to process a claim under this Policy, we will need a written
ii.paying all unpaid due Premiums along with interest; and
iii.providing a declaration of good health and undergoing a intimation about the claim, upon the death of the Life Assured during
medical examination at your own cost, if needed. the Policy Term. This is the first step towards processing your claim.
A lapsed Policy will only be revived along with all its benefits in The written intimation should also be accompanied with all the
accordance with our board approved underwriting policy. The current required documents as mentioned below:
interest charged for delay in premium payment is 9.50% p.a. which
may be revised from time to time. Any change in revival interest rate Death Claim:
is subject to prior approval from IRDAI.

The Policy will terminate and you will not be entitled to receive any Incase of natural death
benefits, if the lapsed Policy is not revived till the expiry of the revival i. Proof of Age of the Life Assured, if the Age of the life assured
period. has not been admitted by us.
ii. Claimant’s statement and claim intimation report duly filled
9. Free Look Period
and signed by claimant/nominee.
You can return your policy document if you disagree with any of the
terms and conditions within the first 15 days for all channels except iii. Death certificate issued under section 12/17 of registration of
Distance Marketing or electronic mode where it is 30 days from Births and Deaths Act 1969 (only in case of death of the Life
receipt of your policy document. You are required to send us the Assured).
original Policy document and a written request stating the reasons for iv. Original Policy document.
cancellation, post which we will refund your Premium within 15 days v. A self attested copy of Pan Card of Nominee/Claimant. In
of receipt of the request after deducting the pro rata risk Premium, pro case Nominee/Claimant does not have a pan card issued on
rata rider risk premium, if any, stamp duty and charges for medical
his/her name then please submit duly filled and signed Form
examination, if any.
60.
Distance Marketing includes every activity of solicitation (including vi. Self-attested copy of photo-identity proof and address of the
lead generation) and sale of insurance products through the following Nominee(s)/Claimant (e.g. driving license, PAN card,
modes: (i) Voice mode, which includes telephone-calling; (ii) Short passport, Voter ID card etc.)
Messaging service (SMS); (iii) Electronic mode which includes e-mail, vii. Self-attested copy of first page of bank pass book of
internet and interactive television (DTH); (iv) Physical mode which
Nominee(s)/Claimant along with cancelled cheque.
includes direct postal mail and newspaper & magazine inserts; and,
 viii. Any other document or information that we may need for
validating and processing the claim (2) Any such nomination in order to be effectual shall, unless it is
incorporated in the text of the policy itself, be made by an
endorsement on the policy communicated to the insurer and
Incase of un natural death registered by him in the records relating to the policy and any such
i. Proof of Age of the Life Assured, if the Age of the life assured nomination may at any time before the policy matures for payment be
has not been admitted by us. cancelled or changed by an endorsement or a further endorsement or
a will, as the case may be, but unless notice in writing of any such
ii. Claimant’s statement and claim intimation report duly filled
cancellation or change has been delivered to the insurer, the insurer
and signed by claimant/nominee. shall not be liable for any payment under the policy made bona fide
iii. Death certificate issued under section 12/17 of registration of by him to a nominee mentioned in the text of the policy or registered
Births and Deaths Act 1969 (only in case of death of the Life in records of the insurer.
Assured).
iv. Copies of Medico Legal Certificate, First Information Report, (3) The insurer shall furnish to the policyholder a written
acknowledgement of having registered a nomination or a cancellation
Panchnama, Inquest report and post mortem report (Only if
or change thereof, and may charge such fee as may be specified by
Death), duly attested by the police (only in case of Accident regulations for registering such cancellation or change.
leading to unnatural death or Permanent Disability of the Life
Assured). (4) A transfer or assignment of a policy made in accordance with
v. All Hospitalization documents including discharge summary, section 38 shall automatically cancel a nomination:
Admission Notes and all investigation reports (only in case Provided that the assignment of a policy to the insurer who bears the
the Life Assured was treated for any illness related to the risk on the policy at the time of the assignment, in consideration of a
loan granted by that insurer on the security of the policy within its
cause of death).
surrender value, or its reassignment on repayment of the loan shall
vi. Original Policy document. not cancel a nomination, but shall affect the rights of the nominee only
vii. A self attested copy of Pan Card of Nominee/Claimant. In to the extent of the insurer's interest in the policy:
case Nominee/Claimant does not have a pan card issued on Provided further that the transfer or assignment of a policy, whether
his/her name then please submit duly filled and signed Form wholly or in part, in consideration of a loan advanced by the
60. transferee or assignee to the policyholder, shall not cancel the
viii. Self-attested copy of photo-identity proof and address of the nomination but shall affect the rights of the nominee only to the extent
of the interest of the transferee or assignee, as the case may be, in
Nominee(s)/Claimant (e.g. driving license, PAN card,
the policy:
passport, Voter ID card etc.) Provided also that the nomination, which has been automatically
ix. Self-attested copy of first page of bank pass book of cancelled consequent upon the transfer or assignment, the same
Nominee(s)/Claimant along with cancelled cheque. nomination shall stand automatically revived when the policy is
x. Any other document or information that we may need for reassigned by the assignee or retransferred by the transferee in
validating and processing the claim favour of the policyholder on repayment of loan other than on a
security of policy to the insurer.

Maturity Claim: (5) Where the policy matures for payment during the lifetime of the
i. Maturity Claim Intimation form duly filled and signed by / person whose life is insured or where the nominee or, if there are
Policy Holder. more nominees than one, all the nominees die before the policy
ii. Original Policy Document(s) matures for payment, the amount secured by the policy shall be
iii. Self-Attested Copy of PAN Card of the Policy Holder/ Form payable to the policyholder or his heirs or legal representatives or the
no.60 if PAN is not available holder of a succession certificate, as the case may be.
iv. Cancelled Cheque or Self Attested Copy of first page of Pass
book of the Policy Holder. (6) Where the nominee or if there are more nominees than one, a
v. Self-Attested Copy of Address Proof (if change in Address). nominee or nominees survive the person whose life is insured, the
vi. Duly filled and signed NRI Declaration form applicable only for amount secured by the policy shall be payable to such survivor or
NRIs. survivors.
vii. Any other document or information that we may need for
validating and processing the claim. (7) Subject to the other provisions of this section, where the holder of
a policy of insurance on his own life nominates his parents, or his
13. Suicide Exclusion spouse, or his children, or his spouse and children, or any of them,
In case of death due to suicide within 12 months from the date of the nominee or nominees shall be beneficially entitled to the amount
commencement of risk under the policy or from the date of revival of payable by the insurer to him or them under sub-section (6)
the policy, as applicable, the nominee or beneficiary of the unless it is proved that the holder of the policy, having regard to the
policyholder shall be entitled to at least 80% of the total premiums nature of his title to the policy, could not have conferred any such
paid till the date of death or the surrender value available as on the beneficial title on the nominee.
date of death whichever is higher, provided the policy is in force.
(8) Subject as aforesaid, where the nominee, or if there are more
14. Nomination shall be governed as per section 39 of the nominees than one, a nominee or nominees, to whom sub-section (7)
Insurance Act, 1938 as amended from time to time. applies, die after the person whose life is insured but before the
amount secured by the policy is paid, the amount secured by the
(1) The holder of a policy of life insurance on his own life may, when policy, or so much of the amount secured by the policy as represents
effecting the policy or at any time before the policy matures for the share of the nominee or nominees so dying (as the case may be),
payment, nominate the person or persons to whom the money shall be payable to the heirs or legal representatives of the nominee
secured by the policy shall be paid in the event of his death: or nominees or the holder of a succession certificate, as the case may
Provided that, where any nominee is a minor, it shall be lawful for the be, and they shall be beneficially entitled to such amount.
policyholder to appoint any person in the manner laid down by the
insurer, to receive the money secured by the policy in the event of his (9) Nothing in sub-sections (7) and (8) shall operate to destroy or
death during the minority of the nominee. impede the right of any creditor to be paid out of the proceeds of any
policy of life insurance.
 (7) Upon the receipt of the notice referred to in sub-section (5), the
(10) The provisions of sub-sections (7) and (8) shall apply to all insurer shall record the fact of such transfer or assignment together
policies of life insurance maturing for payment after the with the date thereof and the name of the transferee or the assignee
commencement of the Insurance Laws (Amendment) Act, 2015. and shall, on the request of the person by whom the notice was given,
or of the transferee or assignee, on payment of such fee as may
(11) Where a policyholder dies after the maturity of the policy but the be specified by the regulations, grant a written acknowledgement of
proceeds and benefit of his policy has not been made to him because the receipt of such notice; and any such acknowledgement shall be
of his death, in such a case, his nominee shall be entitled to the conclusive evidence against the insurer that he has duly received the
proceeds and benefit of his policy. notice to which such acknowledgement relates.

(12) The provisions of this section shall not apply to any policy of life (8) Subject to the terms and conditions of the transfer or assignment,
insurance to which section 6 of the Married Women's Property Act, the insurer shall, from the date of the receipt of the notice referred to
1874, applies or has at any time applied: in sub-section (5), recognize the transferee or assignee named in the
Provided that where a nomination made whether before or after the notice as the absolute transferee or assignee entitled to benefit under
commencement of the Insurance Laws (Amendment) Act, 2015, in the policy, and such person shall be subject to all liabilities and
favour of the wife of the person who has insured his life or of his wife equities to which the transferor or assignor was subject at the date of
and children or any of them is expressed, whether or not on the face the transfer or assignment and may institute any proceedings in
of the policy, as being made under this section, the said section 6 relation to the policy, obtain a loan under the policy or surrender the
shall be deemed not to apply or not to have applied to the policy. policy without obtaining the consent of the transferor or assignor or
making him a party to such proceedings.
15. Assignment shall be governed as per section 38 of the Explanation- Except where the endorsement referred to in sub-
Insurance Act, 1938 as amended from time to time. section (1) expressly indicates that the assignment or transfer is
conditional in terms of subsection (10) hereunder, every assignment
1) A transfer or assignment of a policy of insurance, wholly or in part, or transfer shall be deemed to be an absolute assignment or transfer
whether with or without consideration, may be made only by an and the assignee or transferee, as the case may be, shall be
endorsement upon the policy itself or by a separate instrument, deemed to be the absolute assignee or transferee respectively.
signed in either case by the transferor or by the assignor or his duly
authorised agent and attested by at least one witness, specifically (9) Any rights and remedies of an assignee or transferee of a policy of
setting forth the fact of transfer or assignment and the reasons life insurance under an assignment or transfer effected prior to the
thereof, the antecedents of the assignee and the terms on which the commencement of the Insurance Laws (Amendment) Act, 2015 shall
assignment is made. not be affected by the provisions of this section.

(2) An insurer may, accept the transfer or assignment, or decline to (10) Notwithstanding any law or custom having the force of law to the
act upon any endorsement made under sub-section (1), where it has contrary, an assignment in favour of a person made upon the
sufficient reason to believe that such transfer or assignment is not condition that—
bona fide or is not in the interest of the policyholder or in public (a) the proceeds under the policy shall become payable to the
interest or is for the purpose of trading of insurance policy. policyholder or the nominee or nominees in the event of either the
assignee or transferee predeceasing the insured; or
(3) The insurer shall, before refusing to act upon the endorsement, (b) the insured surviving the term of the policy, shall be valid:
record in writing the reasons for such refusal and communicate the Provided that a conditional assignee shall not be entitled to obtain a
same to the policyholder not later than thirty days from the date of the loan on the policy or surrender a policy.
policyholder giving notice of such transfer or assignment.
(11) In the case of the partial assignment or transfer of a policy of
(4) Any person aggrieved by the decision of an insurer to decline to insurance under sub-section (1), the liability of the insurer shall be
act upon such transfer or assignment may within a period of thirty limited to the amount secured by partial assignment or transfer and
days from the date of receipt of the communication from the insurer such policyholder shall not be entitled to further assign or transfer the
containing reasons for such refusal, prefer a claim to the Authority. residual amount payable under the same policy.

(5) Subject to the provisions in sub-section (2), the transfer or 16. Policy Ceases/ Ends/ Terminates
assignment shall be complete and effectual upon the execution of This Policy will cease immediately and automatically on the
such endorsement or instrument duly attested but except, where the happening of the earliest of any of the following:
transfer or assignment is in favour of the insurer, shall not be i. on the date of payment of the claim benefit; or
operative as against an insurer, and shall not confer upon the ii. on the date of intimation of rejection of claim by us; or
transferee or assignee, or his legal representative, any right to sue for iii. on the payment of Maturity benefit; or
the amount of such policy or the moneys secured thereby until a iv. on the date of payment of Surrender Value; or
notice in writing of the transfer or assignment and either the said v. on the date of payment of free look cancellation amount; or
endorsement or instrument itself or a copy thereof certified to be vi. on the expiry of the revival period provided we have not
correct by both transferor and transferee or their duly authorised received the due unpaid regular Premiums along with interest
agents have been delivered to the insurer: from you till the expiry of such period and policy has not
Provided that where the insurer maintains one or more places of acquired any paid-up value
business in India, such notice shall be delivered only at the place
where the policy is being serviced. 17. Change of Address
You are required to inform us in writing, about any change in your/
(6) The date on which the notice referred to in sub-section (5) is Nominee(s)’s address with address proof. This will ensure that our
delivered to the insurer shall regulate the priority of all claims under a correspondence reaches you/ the Nominee(s) without any delay. We
transfer or assignment as between persons interested in the policy; will not be liable on account of your failure to up-date your current
and where there is more than one instrument of transfer or address in our records or registering an address with us which is
assignment the priority of the claims under such instruments shall be incorrect.
governed by the order in which the notices referred to in sub-section
(5) are delivered: 18. Disclosures
Provided that if any dispute as to priority of payment arises as Misrepresentation/Fraudulent Disclosures: shall be governed as
between assignees, the dispute shall be referred to the Authority. per Section 45 of Insurance Act, 1938 as amended from time to
time.
 Death claim decision with Investigation requirement 120 Days
Extract of Section 45 of the Insurance Act 1938, as amended
from time to time states
1) No policy of life insurance shall be called in question on any PART G
ground whatsoever after the expiry of three years from the date
of the policy, i.e., from the date of issuance of the policy or the 22. Grievance Redressal
date of commencement of risk or the date of revival of the policy You may contact us in case of any grievance or complaint at any of
or the date of the rider to the policy, whichever is later. our branches or at Customer Care, IndiaFirst Life Insurance Company
th th
2) A policy of life insurance may be called in question at any time Ltd, 12 & 13 floor, North [C] Wing, Tower 4, Nesco IT Park, Nesco
within three years from the date of issuance of the policy or the Center, Western Express Highway, Goregaon (East), Mumbai – 400
date of commencement of risk or the date of revival of the policy 063, Toll FreeContact No.: 1800 209 8700, Email id:
or the date of the rider to the policy, whichever is later, on the customer.first@indiafirstlife.com.
ground of fraud: Provided that the insurer shall have to
communicate in writing to the insured or the legal a. A written communication giving reasons of either redressing or
representatives or nominees or assignees of the insured the rejecting the grievance will be sent to you within 15 (Fifteen) days
grounds and materials on which such decision is based. from the date of receipt of the grievance. In case We don’t receive
3) Notwithstanding anything contained in sub-section (2), no insurer a revert from You within 8 weeks from the date of Your receipt of
shall repudiate a life insurance policy on the ground of fraud if Our response, We will treat the complaint as closed.
the insured can prove that the mis-statement of or suppression b. However, if you are not satisfied with our resolution provided or
of a material fact was true to the best of his knowledge and belief have not received any response within 15 (Fifteen) days, then,
or that there was no deliberate intention to suppress the fact or you may approach our Grievance Officer at any of our branches
that such mis-statement of or suppression of a material fact are or you may write to our Grievance Redressal Officer at
within the knowledge of the insurer: Provided that in case of grievance.redressal@indiafirstlife.com.
fraud, the onus of disproving lies upon the beneficiaries, in case An acknowledgment to all such grievances received will be sent
the policyholder is not alive. within 3 (Three) working days of receipt of the grievance.
4) A policy of life insurance may be called in question at any time c. If you are not satisfied with the response or do not receive a
within three years from the date of issuance of the policy or the response from us within 15 days, you may approach the
date of commencement of risk or the date of revival of the policy Grievance Cell of the Insurance Regulatory and Development
or the date of the rider to the policy, whichever is later, on the Authority of India (IRDAI) on the following contact details:
ground that any statement of or suppression of a fact material to
the expectancy of the life of the insured was incorrectly made in IRDAI Grievance Call Centre (IGCC) TOLL FREE NO: 155255
the proposal or other document on the basis of which the policy Email ID: complaints@irda.gov.in
was issued or revived or rider issued: Provided that the insurer
shall have to communicate in writing to the insured or the legal You can also register your complaint online at
representatives or nominees or assignees of the insured the http://www.igms.irda.gov.in/
grounds and materials on which such decision to repudiate the
policy of life insurance is based: Provided further that in case of Address for communication for complaints by fax/paper:
repudiation of the policy on the ground of misstatement or Consumer Affairs Department,
suppression of a material fact, and not on the ground of fraud, Insurance Regulatory and Development Authority of India,
the premiums collected on the policy till the date of repudiation Sy. No. 115/1, Financial District, Nanakramguda
shall be paid to the insured or the legal representatives or Gachibowli, Hyderabad- 500032, Telangana
nominees or assignees of the insured within a period of ninety IRDAI TOLL FREE NO: 18004254732
days from the date of such repudiation.
5) Nothing in this section shall prevent the insurer from calling for
proof of age at any time if he is entitled to do so, and no policy Insurance Ombudsman
shall be deemed to be called in question merely because the
terms of the policy are adjusted on subsequent proof that the In case you are dissatisfied with the decision/resolution of the
age of the Life Insured was incorrectly stated in the proposal. Company, you may approach the Insurance Ombudsman located
nearest to you (please refer to Annexure of List of Ombudsmen or
19. Right to Revise/ Delete/ Alter the Terms and Conditions of visit our website www.indiafirstlife.com) if your grievance pertains to :
this Policy
 Delay in settlement of claims, beyond the time specified in the
We may revise, delete and/ or alter any of the terms and conditions of
regulations, framed under the Insurance Regulatory and
this Policy, by sending a prior written notice of 30 (Thirty) days, with
Development Authority Act, 1999;
prior approval of the IRDAI.
 any partial or total repudiation of claims by the life insurer,
general insurer or health insurer;
20. Governing Law and Jurisdiction
All claims, disputes or differences under this Policy will be governed  disputes over premium paid or payable in terms of insurance
by Indian laws and shall be subject to the jurisdiction of Indian Courts. policy;
 misrepresentation of policy terms and conditions at any time in
21. Turn Around Time for various servicing request and claims the policy document or policy contract;
processing are as mentioned below:  legal construction of insurance policies in so far as the dispute
Policy Servicing TAT's relates to claim;
Full Surrender 15 Days  policy servicing related grievances against insurers and their
Freelook Cancellation 15 Days agents and intermediaries;
Request for Refund of Proposal Deposit 15 days  issuance of life insurance policy, general insurance policy
including health insurance policy which is not in conformity with
Refund of outstanding proposal deposit 15 days
the proposal form submitted by the proposer;
Maturity/Survival/Death Claims
 non issuance of insurance policy after receipt of premium in life
Processing of Maturity claim / penal interest not paid Due Date
insurance and general insurance including health insurance;
Raising claim requirements after lodging the Death
and
claim 15 Days
Death claim decision without investigation
requirement 30 Days any other matter resulting from the violation of provisions of the
Insurance Act, 1938 as amended from time to time or the regulations,
circulars, guidelines or instructions issued by IRDAI from time to time
or the terms and conditions of the policy contract, in so far as they
relate to issues mentioned in clauses above.
Disclaimers
The complaint should be made in writing and the same should be duly
signed by the complainant or by his legal heir(s), nominee(s) or Applicable taxes levied as per extant tax laws shall be deducted from
assignee with full details of the complaint and the contact information the premium or from the allotted units as applicable.
of the complainant.
IndiaFirst Life Insurance Company Limited, IRDAI Regn No.143,
As per provision 14 of the Insurance Ombudsman Rules, 2017, the th
CIN: U66010MH2008PLC183679, Address: 12 & 13 floor, North
th

complaint to the Ombudsman can be made by you or the

[C] Wing, Tower 4, Nesco IT Park, Nesco Center, Western Express
complainant, within a period of 1 (One) year from the date of rejection
of the grievance by Us or after receipt of decision which is not to your Highway, Goregaon (East), Mumbai – 400 063.
satisfaction or after expiry of one month from the date of sending www.indiafirstlife.com, SMS <LIFE> to 5667735 SMS Charges
representation to Us if We fail to furnish reply to You provided the apply. Toll free No – 1800 209 8700. Trade logo of promoters
same dispute is not already decided by or pending before or disposed displayed above belongs to M/s Bank of Baroda and M/s Union Bank
of by any court or consumer forum or arbitrator. of India and used by IndiaFirst Life Insurance Co. Ltd. under license.
 Annexure I: Guaranteed Surrender Value Factors applicable for Total Premiums Paid

<< Only one of the below sections, either for Lumpsum Benefit Option or Income Benefit Option shall be printed, as per the plan option
selected by the Policyholder, at policy inception>>

< For Lumpsum Benefit Option>

A. For Premium Paying Term of 5 years

Policy Year
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
8 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 141.55% 150.07% 158.90% 168.32% 178.24% 188.47%
9 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 141.55% 150.07% 158.90% 168.32% 178.24% 188.47%
10 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 141.55% 150.07% 158.90% 168.32% 178.24% 188.47%
11 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 141.45% 150.07% 158.90% 168.22% 178.14% 188.37%
12 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 141.35% 149.97% 158.80% 168.12% 178.04% 188.27%
13 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 141.25% 149.87% 158.70% 168.02% 177.94% 188.17%
14 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 141.15% 149.77% 158.60% 167.92% 177.84% 188.07%
15 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 141.05% 149.67% 158.50% 167.82% 177.74% 187.97%
16 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.95% 149.57% 158.40% 167.72% 177.64% 187.87%
17 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.85% 149.47% 158.29% 167.62% 177.54% 187.77%
18 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.75% 149.37% 158.19% 167.52% 177.44% 187.67%
19 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.65% 149.27% 158.09% 167.42% 177.34% 187.57%
20 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.55% 149.17% 157.99% 167.32% 177.24% 187.47%
21 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.45% 149.17% 157.99% 167.32% 177.14% 187.37%
22 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.35% 149.07% 157.89% 167.22% 177.04% 187.27%
23 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.25% 148.97% 157.79% 167.12% 176.94% 187.17%
24 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.15% 148.97% 157.79% 167.12% 176.94% 187.07%
25 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 140.05% 148.87% 157.69% 167.02% 176.84% 186.97%
26 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.95% 148.67% 157.49% 166.82% 176.64% 186.77%
27 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.85% 148.57% 157.29% 166.62% 176.44% 186.57%
28 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.75% 148.47% 157.19% 166.42% 176.24% 186.36%
29 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.65% 148.27% 156.99% 166.21% 176.04% 186.16%
30 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.55% 148.07% 156.79% 166.01% 175.84% 185.96%
31 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.45% 147.87% 156.59% 165.81% 175.64% 185.76%
32 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.35% 147.77% 156.49% 165.71% 175.44% 185.56%
33 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.25% 147.57% 156.29% 165.51% 175.24% 185.36%
34 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.15% 147.47% 156.19% 165.41% 175.14% 185.16%
35 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 139.05% 147.17% 155.89% 165.11% 174.84% 184.86%
36 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 138.95% 147.47% 155.59% 164.81% 174.54% 184.56%
37 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 138.85% 146.97% 155.09% 164.21% 173.93% 183.96%
38 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 138.75% 146.67% 154.69% 163.81% 173.43% 183.36%
39 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 138.65% 146.06% 154.08% 163.21% 172.83% 182.76%
40 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 138.55% 145.56% 153.58% 162.61% 172.23% 182.15%
41 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 138.45% 145.56% 152.98% 162.00% 171.53% 181.35%
42 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 138.04% 144.76% 152.18% 161.20% 170.73% 180.55%
43 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 137.64% 144.36% 151.68% 160.60% 170.02% 179.75%
44 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 137.24% 143.56% 150.88% 159.60% 169.02% 178.75%
45 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 136.84% 142.86% 150.17% 158.80% 168.12% 177.74%
46 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 136.44% 142.56% 149.37% 157.99% 167.12% 176.74%
47 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 135.44% 141.85% 148.67% 157.19% 166.21% 175.74%
48 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 134.44% 140.95% 147.67% 156.19% 165.21% 174.74%
49 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 133.43% 140.05% 146.77% 155.19% 164.11% 173.53%
50 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 132.43% 139.05% 145.76% 154.18% 163.01% 172.33%
51 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 131.40% 138.02% 144.73% 153.15% 161.98% 171.30%
52 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 130.37% 136.99% 143.70% 152.12% 160.95% 170.27%
53 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 129.34% 135.96% 142.67% 151.09% 159.92% 169.24%
54 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 128.31% 134.93% 141.64% 150.06% 158.89% 168.21%
55 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 127.28% 133.90% 140.61% 149.03% 157.86% 167.18%
56 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 126.25% 132.87% 139.58% 148.00% 156.83% 166.15%
57 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 125.22% 131.84% 138.55% 146.97% 155.80% 165.12%
58 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.19% 130.81% 137.52% 145.94% 154.77% 164.09%
59 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.16% 129.78% 136.49% 144.91% 153.74% 163.06%
60 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 122.13% 128.75% 135.46% 143.88% 152.71% 162.03%
 B. For Premium Paying Term of 6 years

Policy Year
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
6 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.91% 135.19% 150.48% 159.20% 168.37% 177.94%
7 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.91% 135.19% 150.48% 159.20% 168.37% 177.94%
8 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.91% 135.19% 150.48% 159.20% 168.37% 177.94%
9 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.91% 135.19% 150.43% 159.15% 168.32% 177.89%
10 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.91% 135.19% 150.38% 159.10% 168.27% 177.84%
11 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.86% 135.19% 150.38% 159.00% 168.17% 177.74%
12 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.81% 135.14% 150.27% 158.90% 168.07% 177.64%
13 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.76% 135.09% 150.17% 158.80% 167.97% 177.54%
14 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.71% 135.04% 150.07% 158.75% 167.87% 177.44%
15 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.66% 134.99% 149.97% 158.65% 167.82% 177.34%
16 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.61% 134.94% 149.92% 158.55% 167.72% 177.24%
17 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.56% 134.89% 149.82% 158.50% 167.67% 177.19%
18 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.51% 134.84% 149.77% 158.45% 167.57% 177.14%
19 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.46% 134.79% 149.72% 158.34% 167.52% 177.04%
20 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.41% 134.74% 149.67% 158.29% 167.47% 176.99%
21 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.36% 134.74% 149.67% 158.29% 167.42% 176.94%
22 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.31% 134.69% 149.62% 158.24% 167.37% 176.89%
23 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.26% 134.64% 149.57% 158.19% 167.32% 176.84%
24 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.21% 134.64% 149.57% 158.19% 167.32% 176.79%
25 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.16% 134.59% 149.52% 158.14% 167.27% 176.74%
26 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.11% 134.49% 149.37% 158.04% 167.17% 176.64%
27 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.06% 134.44% 149.27% 157.94% 167.02% 176.54%
28 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 124.01% 134.39% 149.22% 157.79% 166.92% 176.39%
29 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.96% 134.28% 149.07% 157.69% 166.82% 176.29%
30 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.91% 134.18% 148.97% 157.54% 166.67% 176.14%
31 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.86% 134.08% 148.82% 157.44% 166.52% 175.99%
32 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.81% 134.03% 148.77% 157.34% 166.36% 175.89%
33 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.76% 133.93% 148.62% 157.19% 166.21% 175.74%
34 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.71% 133.88% 148.52% 157.09% 166.11% 175.54%
35 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.66% 133.73% 148.27% 156.89% 165.91% 175.34%
36 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.61% 133.88% 148.07% 156.64% 165.71% 175.14%
37 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.56% 133.63% 147.77% 156.29% 165.31% 174.74%
38 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.51% 133.48% 147.47% 155.99% 164.96% 174.33%
39 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.46% 133.18% 147.07% 155.59% 164.56% 173.88%
40 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.41% 132.93% 146.72% 155.14% 164.11% 173.48%
41 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.36% 132.93% 146.26% 154.69% 163.61% 172.93%
42 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 123.16% 132.53% 145.71% 154.13% 163.06% 172.33%
43 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 122.96% 132.33% 145.26% 153.63% 162.51% 171.73%
44 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 122.76% 131.93% 144.66% 152.93% 161.75% 170.98%
45 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 122.56% 131.58% 144.11% 152.28% 161.05% 170.22%
46 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 122.36% 131.43% 143.41% 151.63% 160.25% 169.42%
47 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 121.85% 131.08% 142.76% 150.88% 159.50% 168.57%
48 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 121.35% 130.63% 141.95% 150.02% 158.60% 167.67%
49 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 120.85% 130.17% 141.10% 149.12% 157.64% 166.62%
50 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 120.35% 129.67% 140.20% 148.17% 156.64% 165.51%
51 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 119.84% 129.16% 139.28% 147.20% 155.62% 164.50%
52 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 119.32% 128.64% 138.27% 146.19% 154.56% 163.38%
53 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 118.81% 128.13% 137.30% 145.17% 153.49% 162.26%
54 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 118.29% 127.61% 136.23% 144.05% 152.38% 161.15%
55 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 117.78% 127.10% 135.17% 142.94% 151.21% 159.93%
56 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 116.75% 126.07% 134.14% 141.91% 150.18% 158.90%
57 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 115.72% 125.04% 133.11% 140.88% 149.15% 157.87%
58 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 114.69% 124.01% 132.08% 139.85% 148.12% 156.84%
59 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 113.66% 122.98% 131.05% 138.82% 147.09% 155.81%
60 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 112.63% 121.95% 130.02% 137.79% 146.06% 154.78%
 C. For Premium Paying Term of 7 years

Policy Year
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
4 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 142.05% 150.07% 158.50% 167.42%
5 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 142.05% 150.07% 158.50% 167.42%
6 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 142.05% 150.07% 158.50% 167.42%
7 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 142.05% 150.07% 158.50% 167.42%
8 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 142.05% 150.07% 158.50% 167.42%
9 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.95% 149.97% 158.40% 167.32%
10 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.85% 149.87% 158.29% 167.22%
11 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.85% 149.77% 158.19% 167.12%
12 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.75% 149.67% 158.09% 167.02%
13 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.65% 149.57% 157.99% 166.92%
14 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.55% 149.57% 157.89% 166.82%
15 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.45% 149.47% 157.89% 166.72%
16 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.45% 149.37% 157.79% 166.62%
17 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.35% 149.37% 157.79% 166.62%
18 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.35% 149.37% 157.69% 166.62%
19 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.35% 149.27% 157.69% 166.52%
20 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.35% 149.27% 157.69% 166.52%
21 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.35% 149.27% 157.69% 166.52%
22 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.35% 149.27% 157.69% 166.52%
23 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.35% 149.27% 157.69% 166.52%
24 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.35% 149.27% 157.69% 166.52%
25 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.35% 149.27% 157.69% 166.52%
26 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.25% 149.27% 157.69% 166.52%
27 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.25% 149.27% 157.59% 166.52%
28 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.25% 149.17% 157.59% 166.42%
29 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.15% 149.17% 157.59% 166.42%
30 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.15% 149.07% 157.49% 166.31%
31 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.05% 149.07% 157.39% 166.21%
32 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 141.05% 148.97% 157.29% 166.21%
33 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 140.95% 148.87% 157.19% 166.11%
34 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 140.85% 148.77% 157.09% 165.91%
35 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 140.65% 148.67% 156.99% 165.81%
36 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 140.55% 148.47% 156.89% 165.71%
37 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 140.45% 148.37% 156.69% 165.51%
38 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 140.25% 148.17% 156.49% 165.31%
39 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 140.05% 147.97% 156.29% 165.01%
40 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 139.85% 147.67% 155.99% 164.81%
41 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 139.55% 147.37% 155.69% 164.51%
42 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 139.25% 147.07% 155.39% 164.11%
43 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 138.85% 146.67% 154.99% 163.71%
44 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 138.45% 146.26% 154.49% 163.21%
45 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 138.04% 145.76% 153.98% 162.71%
46 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 137.44% 145.26% 153.38% 162.10%
47 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 136.84% 144.56% 152.78% 161.40%
48 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 136.24% 143.86% 151.98% 160.60%
49 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 135.44% 143.06% 151.18% 159.70%
50 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 134.64% 142.15% 150.27% 158.70%
51 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 133.83% 141.25% 149.27% 157.69%
52 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 132.83% 140.25% 148.17% 156.49%
53 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 131.93% 139.25% 147.07% 155.29%
54 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 130.83% 138.04% 145.86% 154.08%
55 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 108.27% 120.30% 129.72% 136.84% 144.56% 152.68%
56 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 107.24% 119.27% 128.69% 135.81% 143.53% 151.65%
57 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 106.21% 118.24% 127.66% 134.78% 142.50% 150.62%
58 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 105.18% 117.21% 126.63% 133.75% 141.47% 149.59%
59 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 104.15% 116.18% 125.60% 132.72% 140.44% 148.56%
60 0.00% 35.00% 35.00% 50.00% 57.00% 66.00% 75.00% 85.00% 95.00% 100.00% 103.12% 115.15% 124.57% 131.69% 139.41% 147.53%
< For Income Benefit Option>

For Premium For Premium For Premium

Policy Year Paying Term of Paying Term of Paying Term of
5 years 6 years 7 years
1 0.00% 0.00% 0.00%
2 30.00% 30.00% 30.00%
3 40.00% 40.00% 40.00%
4 50.00% 50.00% 50.00%
5 55.00% 55.00% 55.00%
6 60.00% 60.00% 60.00%
7 65.00% 65.00% 65.00%
8 70.00% 70.00% 70.00%
9 75.00% 75.00% 75.00%
10 80.00% 80.00% 80.00%
11 85.00% 85.00% 85.00%
12 90.00% 90.00% 90.00%
13 95.00% 95.00% 95.00%
14 100.00% 100.00% 100.00%
15 110.00% 105.00% 105.00%
16 NA 110.00% 110.00%
17 NA 115.00% 115.00%
18 NA 120.00% 120.00%
19 NA NA 125.00%
20 NA NA 130.00%
21 NA NA 140.00%
 Annexure of List of Ombudsmen
Office of the Insurance Ombudsman - Ahmedabad Office of the Insurance Ombudsman – Bhopal
th
Jeevan Prakash Building , 06 Floor, Tilak Marg, Relief Road, Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar, Opp. Airtel
AHMEDABAD- 380001 Tel. 079- 25501201/02/05/06 Office, Near New Market,
Email: bimalokpal.ahmedabad@ecoi.co.in BHOPAL – 462 003.Tel.: 0755 - 2769201 / 2769202 Fax: 0755 -
Area of Jurisdiction - Gujarat, Dadra & Nagar Haveli, Daman and 2769203
Diu Email: bimalokpal.bhopal@ecoi.co.in
Area of Jurisdiction - Madhya Pradesh & Chhattisgarh
Office of the Insurance Ombudsman - Bhubaneshwar Office of the Insurance Ombudsman – Chandigarh
62, Forest Park, S.C.O. No. 101, 102 & 103, 2nd Floor, Batra Building, Sector 17 –
BHUBNESHWAR – 751 009. Tel.: 0674 - 2596461 /2596455 Fax: D,
0674 – 2596429 Email: bimalokpal.bhubaneswar@ecoi.co.in CHANDIGARH – 160 017. Tel.: 0172 - 2706196 / 2706468 Fax:
Area of Jurisdiction - Odisha 0172 – 2708274 Email: bimalokpal.chandigarh@ecoi.co.in
Area of Jurisdiction - Punjab, Haryana, Himachal Pradesh,
Jammu & Kashmir, Chandigarh
Office of the Insurance Ombudsman - Chennai Office of the Insurance Ombudsman – New Delhi
Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, 2/2 A, Universal Insurance Building, Asaf Ali Road,
CHENNAI – 600 018. Tel.: 044 - 24333668 / 24335284 Fax: 044 - NEW DELHI – 110 002. Tel.: 011 - 23239633 / 23237532 Fax: 011
24333664 – 23230858 Email: bimalokpal.delhi@ecoi.co.in
Email: bimalokpal.chennai@ecoi.co.in Area of Jurisdiction – Delhi
Area of Jurisdiction - Tamil Nadu, –Pondicherry Town and Karaikal
(which are part of Pondicherry)
Office of the Insurance Ombudsman - Guwahati Office of the Insurance Ombudsman – Hyderabad
Jeevan Nivesh, 5th Floor, Nr. Panbazar over bridge, S.S. Road, 6-2-46, 1st floor, "Moin Court", Lane Opp. Saleem Function
GUWAHATI – 781001 (ASSAM). Tel.: 0361 - 2132204 / 2132205 Palace, A. C. Guards, Lakdi-Ka-Pool,
Fax: 0361 – 2732937 Email: bimalokpal.guwahati@ecoi.co.in HYDERABAD - 500 004. Tel.: 040 - 65504123 / 23312122
Area of Jurisdiction - Assam, Meghalaya, Manipur, Mizoram, Fax: 040 – 23376599 Email: bimalokpal.hyderabad@ecoi.co.in
Arunachal Pradesh,Nagaland and Tripura Area of Jurisdiction - Andhra Pradesh, Telangana,
Yanam and part of Territory of Pondicherry
Office of the Insurance Ombudsman - Ernakulam Office of the Insurance Ombudsman – Kolkata
2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Hindustan Bldg. Annexe, 4th Floor, 4, C.R. Avenue,
ERNAKULAM - 682 015. Tel.: 0484 - 2358759 / 2359338 KOLKATA - 700 072. Tel.: 033 - 22124339 / 22124340
Fax: 0484 – 2359336 Email: bimalokpal.ernakulam@ecoi.co.in Fax : 033 – 22124341 Email: bimalokpal.kolkata@ecoi.co.in
Area of Jurisdiciton - Kerala, Lakshadweep, Mahe – a part of Area of Jurisdiction - West Bengal, Sikkim, Andaman & Nicobar
Pondicherry Islands
Office of the Insurance Ombudsman - Lucknow Office of the Insurance Ombudsman – Noida
6th Floor, Jeevan Bhawan, Phase-II, Bhagwan Sahai Palace, 4th Floor, Main Road,
Nawal Kishore Road, Hazratganj, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar,
LUCKNOW - 226 001. Tel.: 0522 - 2231330 / 2231331 UTTAR PRADESH (U.P.) - 201301. Tel.: 0120-2514250 / 2514252
Fax: 0522 – 2231310 Email: bimalokpal.lucknow@ecoi.co.in / 2514253 Email: bimalokpal.noida@ecoi.co.in
Area of Jurisdiction - Districts of Uttar Pradesh : Laitpur, Jhansi, Area of Jurisdiction - State of Uttaranchal and the following
Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor,
Sonbhabdra, Fatehpur, Budaun, Bulandshehar, Etah, Kanooj, Mainpuri, Mathura, Meerut,
Pratapgarh, Jaunpur,Varanasi,Gazipur, Jalaun, Kanpur, Lucknow, Moradabad,
Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli,Sravasti, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad,
Gonda, Faizabad, Amethi,Kaushambi, Balrampur, Basti, Gautam Buddh Nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur,
Ambedkarnagar, Sultanpur,Maharajgang, Santkabirnagar, Shamli, Rampur, Kashganj,Sambhal, Amroha, Hathras,
Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Kanshiramnagar, Saharanpur
Chandauli, Ballia, Sidharathnagar
Office of the Insurance Ombudsman - Jaipur Office of the Insurance Ombudsman – Pune
Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jeevan Darshan Bldg., 3rd Floor, C.T.S. Nos. 195 to 198,
JAIPUR - 302 005. Tel.: 0141 - 2740363 N.C. Kelkar Road, Narayan Peth, PUNE – 411 030.
Email: bimalokpal.jaipur@ecoi.co.in Tel.: 020-41312555 Email: bimalokpal.pune@ecoi.co.in
Area of Jurisdiction – Rajasthan Area of Jurisdiction - Maharashtra, Area of Navi Mumbai and
Thane excluding Mumbai Metropolitan Region
Office of the Insurance Ombudsman - Bengaluru Office of the Insurance Ombudsman – Mumbai
Jeevan Soudha Building, PID No. 57-27-N-19 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W),
Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, MUMBAI - 400 054. Tel.: 022 - 26106552 / 26106960 Fax: 022 -
BENGALURU – 560 078. Tel.: 080 - 26652048 / 26652049 26106052
Email: bimalokpal.bengaluru@ecoi.co.in Email: bimalokpal.mumbai@ecoi.co.in
Area of Jurisdiction – Karnataka Area of Jurisdiction – Goa, Mumbai Metropolitan Region excluding
Navi Mumbai & Thane
Office of the Insurance Ombudsman – Patna
st
1 Floor, Kalpana Arcade Building,
Bazar Samiti Road, Bahadurpur,
PATNA – 800006 Tel No: 0612-2680952
Email id : bimalokpal.patna@ecoi.co.in.
Area of Jurisdiction - Bihar, Jharkhand
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