UIN No.

: 512N312V03 PLAN NO: 745

A Par, Non-Linked, Individual, Savings, Whole Life Insurance Plan
LIC/P1/2024-25/20/Eng/SB

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Follow us : LIC India Forever | IRDAI Regn No.: 512

 LIC’s Jeevan Umang (UIN: 512N312V03)
(A Par, Non-Linked, Individual, Savings,
Whole Life Insurance Plan)
LIC’s Jeevan Umang is a Par, Non-Linked, Individual, Savings, Whole Life Insurance
plan which offers a combination of income and protection to your family. This plan
provides for annual survival benefits from the end of the premium paying term
till maturity and a lump sum payment at the time of maturity or on death of the
policyholder during the policy term.
This Plan can be purchased Offline through Licensed agents, Corporate agents,
Brokers and Insurance Marketing Firms.
Key Features:
• Whole life insurance with limited premium payment
• Annual Survival benefit equal to 8% of Basic Sum Assured from the end of the
premium paying term till the Life assured survives or till the policy anniversary
prior to the date of maturity, whichever is earlier.
• Lump sum payment at the time of maturity or on death of the policyholder
during the policy term
• Flexibility to
- Choose the premium payment term.
- Option for payment of death benefit in instalments.
• Option to enhance coverage by opting for Rider Benefits on payment of
additional premium for the rider benefits.
• Benefit of attractive High Sum Assured Rebate.
• Takes care of liquidity needs through loan facility.
1. ELIGIBILITY CONDITIONS AND OTHER RESTRICTION
a) Minimum Basic Sum Assured : Rs. 2,00,000
b) Maximum Basic Sum Assured : No limit
The Basic Sum Assured shall be in multiples of amounts specified below:
Basic Sum Assured Range Sum Assured multiple
From Rs. 2,00,000 to Rs. 4,50,000 Rs. 25000/-
Above Rs. 4,50,000 to Rs. 9,00,000 Rs. 50,000/-
Above Rs. 9,00,000 Rs. 1,00,000/-
c) Premium Paying Term : 15, 20, 25 and 30 years
d) Policy Term : (100 – age at entry) years
e) Minimum Age at entry : 30 days (completed)
f) Maximum Age at entry : 55 years (nearer birthday)
for PPT = 15 years
50 years (nearer birthday)
for PPT = 20 years
45 years (nearer birthday)
for PPT = 25 years
40 years (nearer birthday)
for PPT = 30 years
g) Minimum Age at the end of
premium paying term : 18 years (completed)
h) Maximum Age at the end of
premium paying term : 70 years (nearer birthday)
i) Age at maturity : 100 years (nearer birthday)
Date of commencement of risk:
In case the age at entry of the Life Assured is less than 8 years, the risk under
this plan will commence either one day before the completion of 2 years from
the date of commencement of policy or one day before the policy anniversary
coinciding with or immediately following the completion of 8 years of age,
whichever is earlier. For those aged 8 years or more, risk will commence
immediately from the date of issuance of policy.
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 Date of vesting under this plan:
If the policy is issued on the life of a minor, the policy shall automatically vest
in the Life Assured on the policy anniversary coinciding with or immediately
following the completion of 18 years of age and shall on such vesting be deemed
to be a contract between the Corporation and Life Assured.
2. BENEFITS
a) Death Benefit:
On death of the Life Assured during the policy term, provided the policy is in-
force i.e. all due premiums have been paid shall be as under:
i. On death before the commencement of Risk:
Return of premium/s paid without interest excluding taxes, extra premium and
rider premium, if any, shall be payable.
ii. On Death after the commencement of Risk:
Death Benefit payable, shall be “Sum Assured on Death” along with vested Simple
Reversionary Bonuses (as mentioned in (d) below) and Final Additional bonus, if any.
Where “Sum Assured on Death” is defined as the higher of 7 times of annualised
premium or Basic Sum Assured.
This death benefit shall not be less than 105% of the total premiums paid upto
the date of death.
Where,
i. “Annualized Premium” shall be the premium payable in a year, excluding the taxes,
rider premiums, underwriting extra premiums and loadings for modal premiums
ii. “Total Premiums Paid” means total of all the premiums paid under the base
product, excluding any extra premium, and taxes, if collected explicitly. In
case LIC’s Premium Waiver Benefit Rider is opted for, in the event of death of
Proposer, any subsequent Premiums which are waived shall be deemed to have
been received and be included in the Total Premiums Paid.
b) Survival Benefit:
On the life assured surviving to the end of the premium paying term, provided
all due premiums have been paid, a survival benefit equal to 8% of Basic Sum
Assured shall be payable each year. The first survival benefit payment is payable
at the end of premium paying term and thereafter on completion of each
subsequent year till the Life assured survives or till the policy anniversary prior
to the date of maturity, whichever is earlier.
c) Maturity Benefit:
On the life assured surviving to the end of the policy term, provided all due
premiums have been paid, “Sum Assured on Maturity” along with vested Simple
Reversionary Bonuses (as mentioned in (d) below) and Final Additional bonus, if
any, shall be payable.
Where “Sum Assured on Maturity” is equal to Basic Sum Assured.
d) Participation in profits:
Depending upon the Corporation’s experience with regard to policies issued
under this plan, the policy shall participate in following manner.
During the premium paying term:
Policies shall be eligible to receive Simple Reversionary Bonuses declared as per
the experience of the Corporation during the premium paying term, provided
the policy is in-force. Once declared, they form part of the guaranteed benefits
of the plan on such terms as declared by the Corporation.
In case the premiums are not duly paid, the policy shall cease to participate in
future profits during premium paying term.
In the event of policy being surrendered, the Surrender Value of vested bonuses,
if any, as applicable on the date of surrender.
Final Additional Bonus may also be declared under an in-force policy in the year
when such policy results into a claim by death. However, Final Additional Bonus
shall not be payable under paid-up policy or on surrender of a policy during the
premium paying term.
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 After the premium paying term (applicable only for fully paid-up policies or for
paid-up policies with Maturity Paid-up Sum Assured of Rs. 2 lakhs or more):
Under a fully paid-up policy (where all premiums payable during the term of the
policy are paid) or in a paid-up policy with Maturity Paid-up Sum Assured of Rs.
2 lakhs or more, the terms for participation of profits after the premium paying
term may be in a different form and on a differential scale depending on the
Corporation’s experience under this plan at that time.
Final Additional Bonus may also be declared under the policy in the year when a
policy results into a claim either by death or maturity at such rates and on such
terms as may be declared by the Corporation.
In addition, applicable Final Additional Bonus for surrendering policies, if any,
may be considered in payment of Special Surrender Value.
Under a paid-up policy with Maturity Paid-up Sum Assured of less than Rs. 2
lakhs, the policy shall not participate in future profits.
The actual allocation to policyholders, out of the surplus emerging from the actuarial
investigation, shall in accordance with provisions in this regard under LIC Act, 1956.
3. OPTIONS AVAILABLE
I. Rider Benefits:
The following four optional riders (or amended version of these) shall be
available under this plan by payment of additional premium. However, the
policyholder can opt between either of the LIC’s Accidental Death and Disability
Benefit Rider or LIC’s Accident Benefit Rider and/or the remaining two riders
subject to the eligibility as detailed below:
a) LIC’s Accidental Death and Disability Benefit Rider
This rider can be opted for at any time under an in-force policy within the premium
paying term of the Base plan provided the outstanding premium paying term of
the Base plan as well as rider is atleast 5 years. The benefit cover under this rider
shall be available upto the policy anniversary on which the age nearer birthday of
the Life Assured is 70 years. If this rider is opted for, in case of accidental death,
the Accident Benefit Sum Assured will be payable in lumpsum In case of accidental
disability arising due to accident (within 180 days from the date of accident), an
amount equal to the Accident Benefit Sum Assured will be paid in equal monthly
instalments spread over 10 years and future premiums for Accident Benefit Sum
Assured as well as premiums for the portion of Basic Sum Assured under the Base
policy which is equal to Accident Benefit Sum Assured, shall be waived. Under the
policy on the life of minors, this rider will be available from the policy anniversary
following completion of age 18 years on receipt of specific request.
b) LIC’s Accident Benefit Rider
This rider can be opted for at any time under an in-force policy within the
premium paying term of the Base plan provided the outstanding premium
paying term of the Base plan as well as rider is atleast 5 years. The benefit cover
under this rider shall be available only during the premium paying term. If this
rider is opted for, in case of accidental death, the Accident Benefit Sum Assured
will be payable in lumpsum. Under the policy on the life of minors, this rider will
be available from the policy anniversary following completion of age 18 years on
receipt of specific request.
c) LIC’s New Term Assurance Rider This rider is available at inception of the policy
only. The benefit cover under this rider shall be available for a term of 35 years
or till the policy anniversary on which the age nearer birthday of the Life assured
is 75 years, whichever is earlier. If this rider is opted for, an amount equal to
‘Term Rider Sum Assured on Death’ shall be payable on death of the Life Assured
during the rider term.
d) LIC’s Premium Waiver Benefit Rider Under an in-force policy, this rider can be
opted for on the life of Proposer of the policy, at any time coinciding with the policy
anniversary but within the premium paying term of the Base Policy provided the
outstanding premium paying term of the Base Policy and the rider is at least five
years. Further, this rider shall be allowed under the policy wherein the Life Assured
is Minor at the time of opting this rider. The Rider term shall be (25 minus age of the
minor Life Assured) at the time of opting this rider. If the Rider term plus proposer’s
age is more than 70 years, the Rider shall not be allowed.
If this rider is opted for, on death of proposer, payment of premiums in respect

4
 of base policy falling due after the date of death till the expiry of rider term shall
be waived. However, in such case, if the premium paying term of the Base policy
exceeds the rider term, all the further premiums due under the Base policy from the
date of expiry of this Premium Waiver Benefit Rider term shall be payable by the Life
Assured. On non-payment of such premiums the policy would become paid-up.
The premiums under all the life insurance riders put together shall not exceed
30% of premiums under the base plan.
The Rider Sum Assured in respect of LIC’s Accident Benefit Rider shall not exceed
three times of Basic Sum Assured under the Base product. Any benefit arising under
each of all other riders shall not exceed Basic Sum Assured under the Base product.
For more details on the above riders, refer to the rider brochure or contact LIC’s
nearest Branch Office.
II. Option to take Death Benefit in instalments:
This is an option to receive death benefit in instalments over the chosen period
of 5 or 10 or 15 years instead of lump sum amount under an in-force as well as
paid-up policy. This option can be exercised by the Policyholder during minority
of the Life Assured or by Life Assured aged 18 years and above, during his/her
life time; for full or part of Death benefits payable under the policy. The amount
opted for by the Policyholder/Life Assured (ie. Net Claim Amount) can be either
in absolute value or as a percentage of the total claim proceeds payable.
The instalments shall be paid in advance at yearly or half-yearly or quarterly
or monthly intervals, as opted for, subject to minimum instalment amount for
different modes of payments being as under:
Mode of Instalment payment Minimum instalment amount
Monthly Rs. 5,000/-
Quarterly Rs. 15,000/-
Half-Yearly Rs. 25,000/-
Yearly Rs. 50,000/-
If the Net Claim Amount is less than the required amount to provide the minimum
instalment amount as per the option exercised by the Policyholder/Life Assured,
the claim proceeds shall be paid in lumpsum only.
For all the instalment payment options commencing during the 12 months’ period
from 1st May to 30th April, the interest rate used to arrive at the amount of each
instalment shall be annual effective rate not lower than the 10 year semi-annual
G- Sec yield p.a. minus 2%; where, the 10 year semi-annual G-Sec yield shall be as
at last trading day of previous financial year. Accordingly, for the 12 months period
commencing from 1st May, 2024 to 30th April, 2025, the applicable interest rate for
the calculation of the instalment amount shall be 5.07% p.a. effective.
For exercising option to take Death Benefit in instalments, the Policyholder
during minority of the Life Assured or the Life Assured, if major, can exercise
this option during his/her lifetime while in currency of the policy, specifying the
period of Instalment payment and net claim amount for which the option is to be
exercised. The death claim amount shall then be paid to the nominee as per the
option exercised by the Policyholder/Life Assured and no alteration, whatsoever,
shall be allowed to be made by the nominee.
4. PAYMENT OF PREMIUMS
Premiums can be paid regularly at yearly, half-yearly, quarterly or monthly mode
(monthly premiums through NACH only) or through salary deductions during the
Premium Paying Term of the policy.
5. GRACE PERIOD
A grace period of 30 days shall be allowed for payment of yearly or half-yearly
or quarterly premiums and 15 days for monthly premiums from the date of
first unpaid premium. During this period, the policy shall be considered in-force
with the risk cover without any interruption as per the terms of the policy. If the
premium is not paid before the expiry of the days of grace, the Policy lapses.
The above grace period will also apply to rider premiums which are payable
along with premium for base policy.

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6. SAMPLE ILLUSTRATIVE PREMIUM
The sample illustrative annual premiums (in Rs.) for Basic Sum Assured of Rs 2
lakh for Standard lives are as under:
PREMIUM PAYING TERM
AGE
15 20 25 30
20 16542 11407 8536 6840
30 16542 11407 8595 7027
40 16542 11476 9036 7664
50 16542 12368
The above premium is exclusive of taxes.
7. REBATES
Mode Rebate:
Yearly mode - 2% of Tabular Premium
Half-yearly mode - 1% of Tabular premium
Quarterly, Monthly (NACH) & - NIL
Salary deduction
High Basic Sum Assured Rebate:
Basic Sum Assured (BSA) Rebate on tabular premium(Rs.)
2,00,000 to 4,50,000 Nil
5,00,000 to 9,00,000 2.50 ‰ BSA
10,00,000 to 24,00,000 3.50 ‰ BSA
25,00,000 and above 4.00 ‰ BSA
8. REVIVAL
If premium is not paid within the grace period then the policy will lapse. A lapsed
policy can be revived within a period of 5 consecutive complete years from the
date of first unpaid premium. The revival shall be effected on payment of all the
arrears of premium(s) together with interest (compounding half-yearly) at such
rate as may be fixed by the Corporation from time to time and on satisfaction of
Continued Insurability of the Life Assured and/or Proposer (if LIC’s Premium Waiver
Benefit Rider is opted for) on the basis of information, documents and reports that
are already available and any additional information in this regard if and as may be
required in accordance with the Underwriting Policy of the Corporation at the time
of revival, being furnished by the Policyholder/Life Assured/Proposer.
The Corporation reserves the right to accept at original terms, accept with
modified terms or decline the revival of a discontinued policy. The revival of a
discontinued policy shall take effect only after the same is approved, accepted
and revival receipt is issued by the Corporation and is specifically communicated
to the Life Assured.
If revival period falls beyond the premium paying term and the policy is revived
after the due date of survival benefit(s), then:-
i. the unpaid survival benefit(s) (applicable in case of paid-up policy wherein the
Maturity Paid-up Sum Assured is less than 2 lakhs) or;
ii. the difference between Survival benefits on full Basic Sum Assured and Survival
benefits on Maturity Paid-up Sum Assured (applicable in case of paid-up policy
wherein the Maturity Paid-up Sum Assured is equal to or greater than 2 lakhs)
shall be paid to the policy holder.
The rate of interest applicable for revival under this product for every 12
months’ period from 1st May to 30th April shall not exceed 10 year G-Sec yield
p.a. compounding half yearly as at the last trading day of previous financial year
plus 3% or the yield earned on the Corporation’s Non-Linked, Participating Fund
plus 1%, whichever is higher. For the 12 month’s period commencing from 1st
May, 2024 to 30th April, 2025, the applicable interest rate shall be 9.50% p.a.
compounding half yearly.
The basis for determination of interest rate for policy revival is subject to change.

6
 Revival of rider, if opted for, will be considered along with revival of the Base
Policy, and not in isolation
9. PAID-UP POLICY
If less than one year’s premium(s) has been paid and any subsequent premium be
not duly paid, all the benefits under the policy shall cease after the expiry of grace
period from the date of first unpaid premium and nothing shall be payable.
If after atleast one full year’s premiums has been paid and any subsequent premiums
be not duly paid, on completion of first policy year the policy shall not be wholly void
but shall continue as a paid-up policy till the end of policy term.
The Sum Assured on Death under a paid-up policy shall be reduced to a sum
called “Death Paid-up Sum Assured” and shall be equal to Sum Assured on
Death multiplied by the ratio of the total period for which premiums have
already been paid bears to the maximum period for which premiums were
originally payable. The Death Benefit payable under the paid-up policy, on death
of the Life Assured, shall be Death Paid-Up Sum Assured along with vested simple
reversionary bonuses and final additional bonus, if any. This Death benefit, shall
not be less than 105% of total premiums paid upto the date of death.
The Sum Assured on Maturity under a paid-up policy shall be reduced to a sum
called “Maturity Paid-up Sum Assured” and shall be equal to Sum Assured on
Maturity multiplied by the ratio of the total period for which premiums have
already been paid bears to the maximum period for which premiums were
originally payable. The Maturity Benefit payable under the paid-up policy, on
expiry of the policy term, shall be Maturity Paid-Up Sum Assured along with
vested simple reversionary bonuses and final additional bonus, if any.
Survival benefits under a paid-up policy:
1. If Maturity Paid-up Sum Assured is less than the minimum Basic Sum Assured
i.e. Rs. 2 lakhs, Survival Benefits shall not be paid under such policies.
2. If Maturity Paid-up Sum Assured is equal to or more than minimum Basic Sum
Assured of Rs. 2 lakhs, Survival Benefits equal to 8% of Maturity Paid-up Sum
Assured shall be payable each year. The first survival benefit payment is payable at
the end of premium paying term and thereafter on completion of each subsequent
year till the Life assured survives or till the policy anniversary prior to the date of
maturity, whichever is earlier.
A paid-up policy shall not be entitled to participate in the future profits during the
premium paying term, however, the vested Simple Reversionary Bonuses shall
remain attached to the reduced paid-up policy. Further, if a paid-up policy wherein
the Maturity Paid-up Sum Assured is Rs. 2 lakhs or more, continues after premium
paying term, it may participate in future profits after the premium paying term,
depending on the Corporation’s experience under such paid-up policies.
Rider(s) shall not acquire any paid-up value and the rider benefit(s) cease to
apply, if policy is in lapsed condition.
10. SURRENDER
The policy can be surrendered after completion of first policy year provided
one full year’s premium(s) has been paid. However, the policy shall acquire
Guaranteed Surrender Value on payment of atleast two full years’ premiums and
Special Surrender Value after completion of first policy year provided one full
year’s premium(s) has been paid. On surrender of an in-force or paid-up policy,
the Corporation shall pay the Surrender Value equal to higher of Guaranteed
Surrender Value and Special Surrender Value.
The Guaranteed Surrender Value payable during the policy term shall be equal to
the total premiums paid (excluding extra premiums, taxes if collected explicitly
and premiums for riders, if opted for) multiplied by the Guaranteed Surrender
Value factor applicable to total premiums paid. These Guaranteed Surrender
Value factors expressed as percentages will depend on the policy term and policy
year in which the policy is surrendered and are as specified below:

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 Guaranteed Surrender Value factors applicable to Total Premiums paid
<-----------------------------------------Policy Term------------------------------------->
Policy
45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70
Year
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
3 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00%
4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
8 51.08% 51.05% 51.03% 51.00% 50.98% 50.95% 50.93% 50.91% 50.89% 50.87% 50.85% 50.83% 50.82% 50.80% 50.78% 50.77% 50.75% 50.74% 50.73% 50.71% 50.70% 50.69% 50.68% 50.67% 50.66% 50.65%
9 52.16% 52.11% 52.05% 52.00% 51.95% 51.90% 51.86% 51.82% 51.78% 51.74% 51.70% 51.67% 51.63% 51.60% 51.57% 51.54% 51.51% 51.48% 51.45% 51.43% 51.40% 51.38% 51.36% 51.33% 51.31% 51.29%
10 53.24% 53.16% 53.08% 53.00% 52.93% 52.86% 52.79% 52.73% 52.67% 52.61% 52.55% 52.50% 52.45% 52.40% 52.35% 52.31% 52.26% 52.22% 52.18% 52.14% 52.11% 52.07% 52.03% 52.00% 51.97% 51.94%
11 54.32% 54.21% 54.10% 54.00% 53.90% 53.81% 53.72% 53.64% 53.56% 53.48% 53.40% 53.33% 53.27% 53.20% 53.14% 53.08% 53.02% 52.96% 52.91% 52.86% 52.81% 52.76% 52.71% 52.67% 52.62% 52.58%
12 55.41% 55.26% 55.13% 55.00% 54.88% 54.76% 54.65% 54.55% 54.44% 54.35% 54.26% 54.17% 54.08% 54.00% 53.92% 53.85% 53.77% 53.70% 53.64% 53.57% 53.51% 53.45% 53.39% 53.33% 53.28% 53.23%
13 56.49% 56.32% 56.15% 56.00% 55.85% 55.71% 55.58% 55.45% 55.33% 55.22% 55.11% 55.00% 54.90% 54.80% 54.71% 54.62% 54.53% 54.44% 54.36% 54.29% 54.21% 54.14% 54.07% 54.00% 53.93% 53.87%
14 57.57% 57.37% 57.18% 57.00% 56.83% 56.67% 56.51% 56.36% 56.22% 56.09% 55.96% 55.83% 55.71% 55.60% 55.49% 55.38% 55.28% 55.19% 55.09% 55.00% 54.91% 54.83% 54.75% 54.67% 54.59% 54.52%
15 58.65% 58.42% 58.21% 58.00% 57.80% 57.62% 57.44% 57.27% 57.11% 56.96% 56.81% 56.67% 56.53% 56.40% 56.27% 56.15% 56.04% 55.93% 55.82% 55.71% 55.61% 55.52% 55.42% 55.33% 55.25% 55.16%
16 59.73% 59.47% 59.23% 59.00% 58.78% 58.57% 58.37% 58.18% 58.00% 57.83% 57.66% 57.50% 57.35% 57.20% 57.06% 56.92% 56.79% 56.67% 56.55% 56.43% 56.32% 56.21% 56.10% 56.00% 55.90% 55.81%
17 60.81% 60.53% 60.26% 60.00% 59.76% 59.52% 59.30% 59.09% 58.89% 58.70% 58.51% 58.33% 58.16% 58.00% 57.84% 57.69% 57.55% 57.41% 57.27% 57.14% 57.02% 56.90% 56.78% 56.67% 56.56% 56.45%

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18 61.89% 61.58% 61.28% 61.00% 60.73% 60.48% 60.23% 60.00% 59.78% 59.57% 59.36% 59.17% 58.98% 58.80% 58.63% 58.46% 58.30% 58.15% 58.00% 57.86% 57.72% 57.59% 57.46% 57.33% 57.21% 57.10%
19 62.97% 62.63% 62.31% 62.00% 61.71% 61.43% 61.16% 60.91% 60.67% 60.43% 60.21% 60.00% 59.80% 59.60% 59.41% 59.23% 59.06% 58.89% 58.73% 58.57% 58.42% 58.28% 58.14% 58.00% 57.87% 57.74%
20 64.05% 63.68% 63.33% 63.00% 62.68% 62.38% 62.09% 61.82% 61.56% 61.30% 61.06% 60.83% 60.61% 60.40% 60.20% 60.00% 59.81% 59.63% 59.45% 59.29% 59.12% 58.97% 58.81% 58.67% 58.52% 58.39%
21 65.14% 64.74% 64.36% 64.00% 63.66% 63.33% 63.02% 62.73% 62.44% 62.17% 61.91% 61.67% 61.43% 61.20% 60.98% 60.77% 60.57% 60.37% 60.18% 60.00% 59.82% 59.66% 59.49% 59.33% 59.18% 59.03%
22 66.22% 65.79% 65.38% 65.00% 64.63% 64.29% 63.95% 63.64% 63.33% 63.04% 62.77% 62.50% 62.24% 62.00% 61.76% 61.54% 61.32% 61.11% 60.91% 60.71% 60.53% 60.34% 60.17% 60.00% 59.84% 59.68%
23 67.30% 66.84% 66.41% 66.00% 65.61% 65.24% 64.88% 64.55% 64.22% 63.91% 63.62% 63.33% 63.06% 62.80% 62.55% 62.31% 62.08% 61.85% 61.64% 61.43% 61.23% 61.03% 60.85% 60.67% 60.49% 60.32%
24 68.38% 67.89% 67.44% 67.00% 66.59% 66.19% 65.81% 65.45% 65.11% 64.78% 64.47% 64.17% 63.88% 63.60% 63.33% 63.08% 62.83% 62.59% 62.36% 62.14% 61.93% 61.72% 61.53% 61.33% 61.15% 60.97%
25 69.46% 68.95% 68.46% 68.00% 67.56% 67.14% 66.74% 66.36% 66.00% 65.65% 65.32% 65.00% 64.69% 64.40% 64.12% 63.85% 63.58% 63.33% 63.09% 62.86% 62.63% 62.41% 62.20% 62.00% 61.80% 61.61%
26 70.54% 70.00% 69.49% 69.00% 68.54% 68.10% 67.67% 67.27% 66.89% 66.52% 66.17% 65.83% 65.51% 65.20% 64.90% 64.62% 64.34% 64.07% 63.82% 63.57% 63.33% 63.10% 62.88% 62.67% 62.46% 62.26%
27 71.62% 71.05% 70.51% 70.00% 69.51% 69.05% 68.60% 68.18% 67.78% 67.39% 67.02% 66.67% 66.33% 66.00% 65.69% 65.38% 65.09% 64.81% 64.55% 64.29% 64.04% 63.79% 63.56% 63.33% 63.11% 62.90%
28 72.70% 72.11% 71.54% 71.00% 70.49% 70.00% 69.53% 69.09% 68.67% 68.26% 67.87% 67.50% 67.14% 66.80% 66.47% 66.15% 65.85% 65.56% 65.27% 65.00% 64.74% 64.48% 64.24% 64.00% 63.77% 63.55%
29 73.78% 73.16% 72.56% 72.00% 71.46% 70.95% 70.47% 70.00% 69.56% 69.13% 68.72% 68.33% 67.96% 67.60% 67.25% 66.92% 66.60% 66.30% 66.00% 65.71% 65.44% 65.17% 64.92% 64.67% 64.43% 64.19%
30 74.86% 74.21% 73.59% 73.00% 72.44% 71.90% 71.40% 70.91% 70.44% 70.00% 69.57% 69.17% 68.78% 68.40% 68.04% 67.69% 67.36% 67.04% 66.73% 66.43% 66.14% 65.86% 65.59% 65.33% 65.08% 64.84%
31 75.95% 75.26% 74.62% 74.00% 73.41% 72.86% 72.33% 71.82% 71.33% 70.87% 70.43% 70.00% 69.59% 69.20% 68.82% 68.46% 68.11% 67.78% 67.45% 67.14% 66.84% 66.55% 66.27% 66.00% 65.74% 65.48%
32 77.03% 76.32% 75.64% 75.00% 74.39% 73.81% 73.26% 72.73% 72.22% 71.74% 71.28% 70.83% 70.41% 70.00% 69.61% 69.23% 68.87% 68.52% 68.18% 67.86% 67.54% 67.24% 66.95% 66.67% 66.39% 66.13%
33 78.11% 77.37% 76.67% 76.00% 75.37% 74.76% 74.19% 73.64% 73.11% 72.61% 72.13% 71.67% 71.22% 70.80% 70.39% 70.00% 69.62% 69.26% 68.91% 68.57% 68.25% 67.93% 67.63% 67.33% 67.05% 66.77%
34 79.19% 78.42% 77.69% 77.00% 76.34% 75.71% 75.12% 74.55% 74.00% 73.48% 72.98% 72.50% 72.04% 71.60% 71.18% 70.77% 70.38% 70.00% 69.64% 69.29% 68.95% 68.62% 68.31% 68.00% 67.70% 67.42%
35 80.27% 79.47% 78.72% 78.00% 77.32% 76.67% 76.05% 75.45% 74.89% 74.35% 73.83% 73.33% 72.86% 72.40% 71.96% 71.54% 71.13% 70.74% 70.36% 70.00% 69.65% 69.31% 68.98% 68.67% 68.36% 68.06%
36 81.35% 80.53% 79.74% 79.00% 78.29% 77.62% 76.98% 76.36% 75.78% 75.22% 74.68% 74.17% 73.67% 73.20% 72.75% 72.31% 71.89% 71.48% 71.09% 70.71% 70.35% 70.00% 69.66% 69.33% 69.02% 68.71%
37 82.43% 81.58% 80.77% 80.00% 79.27% 78.57% 77.91% 77.27% 76.67% 76.09% 75.53% 75.00% 74.49% 74.00% 73.53% 73.08% 72.64% 72.22% 71.82% 71.43% 71.05% 70.69% 70.34% 70.00% 69.67% 69.35%
38 83.51% 82.63% 81.79% 81.00% 80.24% 79.52% 78.84% 78.18% 77.56% 76.96% 76.38% 75.83% 75.31% 74.80% 74.31% 73.85% 73.40% 72.96% 72.55% 72.14% 71.75% 71.38% 71.02% 70.67% 70.33% 70.00%
39 84.59% 83.68% 82.82% 82.00% 81.22% 80.48% 79.77% 79.09% 78.44% 77.83% 77.23% 76.67% 76.12% 75.60% 75.10% 74.62% 74.15% 73.70% 73.27% 72.86% 72.46% 72.07% 71.69% 71.33% 70.98% 70.65%
 Guaranteed Surrender Value factors applicable to Total Premiums paid
<-----------------------------------------Policy Term------------------------------------->
Policy
45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70
Year
40 85.68% 84.74% 83.85% 83.00% 82.20% 81.43% 80.70% 80.00% 79.33% 78.70% 78.09% 77.50% 76.94% 76.40% 75.88% 75.38% 74.91% 74.44% 74.00% 73.57% 73.16% 72.76% 72.37% 72.00% 71.64% 71.29%
41 86.76% 85.79% 84.87% 84.00% 83.17% 82.38% 81.63% 80.91% 80.22% 79.57% 78.94% 78.33% 77.76% 77.20% 76.67% 76.15% 75.66% 75.19% 74.73% 74.29% 73.86% 73.45% 73.05% 72.67% 72.30% 71.94%
42 87.84% 86.84% 85.90% 85.00% 84.15% 83.33% 82.56% 81.82% 81.11% 80.43% 79.79% 79.17% 78.57% 78.00% 77.45% 76.92% 76.42% 75.93% 75.45% 75.00% 74.56% 74.14% 73.73% 73.33% 72.95% 72.58%
43 88.92% 87.89% 86.92% 86.00% 85.12% 84.29% 83.49% 82.73% 82.00% 81.30% 80.64% 80.00% 79.39% 78.80% 78.24% 77.69% 77.17% 76.67% 76.18% 75.71% 75.26% 74.83% 74.41% 74.00% 73.61% 73.23%
44 90.00% 88.95% 87.95% 87.00% 86.10% 85.24% 84.42% 83.64% 82.89% 82.17% 81.49% 80.83% 80.20% 79.60% 79.02% 78.46% 77.92% 77.41% 76.91% 76.43% 75.96% 75.52% 75.08% 74.67% 74.26% 73.87%
45 90.00% 90.00% 88.97% 88.00% 87.07% 86.19% 85.35% 84.55% 83.78% 83.04% 82.34% 81.67% 81.02% 80.40% 79.80% 79.23% 78.68% 78.15% 77.64% 77.14% 76.67% 76.21% 75.76% 75.33% 74.92% 74.52%
46 90.00% 90.00% 89.00% 88.05% 87.14% 86.28% 85.45% 84.67% 83.91% 83.19% 82.50% 81.84% 81.20% 80.59% 80.00% 79.43% 78.89% 78.36% 77.86% 77.37% 76.90% 76.44% 76.00% 75.57% 75.16%
47 90.00% 90.00% 89.02% 88.10% 87.21% 86.36% 85.56% 84.78% 84.04% 83.33% 82.65% 82.00% 81.37% 80.77% 80.19% 79.63% 79.09% 78.57% 78.07% 77.59% 77.12% 76.67% 76.23% 75.81%
48 90.00% 90.00% 89.05% 88.14% 87.27% 86.44% 85.65% 84.89% 84.17% 83.47% 82.80% 82.16% 81.54% 80.94% 80.37% 79.82% 79.29% 78.77% 78.28% 77.80% 77.33% 76.89% 76.45%
49 90.00% 90.00% 89.07% 88.18% 87.33% 86.52% 85.74% 85.00% 84.29% 83.60% 82.94% 82.31% 81.70% 81.11% 80.55% 80.00% 79.47% 78.97% 78.47% 78.00% 77.54% 77.10%
50 90.00% 90.00% 89.09% 88.22% 87.39% 86.60% 85.83% 85.10% 84.40% 83.73% 83.08% 82.45% 81.85% 81.27% 80.71% 80.18% 79.66% 79.15% 78.67% 78.20% 77.74%
51 90.00% 90.00% 89.11% 88.26% 87.45% 86.67% 85.92% 85.20% 84.51% 83.85% 83.21% 82.59% 82.00% 81.43% 80.88% 80.34% 79.83% 79.33% 78.85% 78.39%
52 90.00% 90.00% 89.13% 88.30% 87.50% 86.73% 86.00% 85.29% 84.62% 83.96% 83.33% 82.73% 82.14% 81.58% 81.03% 80.51% 80.00% 79.51% 79.03%
53 90.00% 90.00% 89.15% 88.33% 87.55% 86.80% 86.08% 85.38% 84.72% 84.07% 83.45% 82.86% 82.28% 81.72% 81.19% 80.67% 80.16% 79.68%
54 90.00% 90.00% 89.17% 88.37% 87.60% 86.86% 86.15% 85.47% 84.81% 84.18% 83.57% 82.98% 82.41% 81.86% 81.33% 80.82% 80.32%
55 90.00% 90.00% 89.18% 88.40% 87.65% 86.92% 86.23% 85.56% 84.91% 84.29% 83.68% 83.10% 82.54% 82.00% 81.48% 80.97%
56 90.00% 90.00% 89.20% 88.43% 87.69% 86.98% 86.30% 85.64% 85.00% 84.39% 83.79% 83.22% 82.67% 82.13% 81.61%
57 90.00% 90.00% 89.22% 88.46% 87.74% 87.04% 86.36% 85.71% 85.09% 84.48% 83.90% 83.33% 82.79% 82.26%

9
58 90.00% 90.00% 89.23% 88.49% 87.78% 87.09% 86.43% 85.79% 85.17% 84.58% 84.00% 83.44% 82.90%
59 90.00% 90.00% 89.25% 88.52% 87.82% 87.14% 86.49% 85.86% 85.25% 84.67% 84.10% 83.55%
60 90.00% 90.00% 89.26% 88.55% 87.86% 87.19% 86.55% 85.93% 85.33% 84.75% 84.19%
61 90.00% 90.00% 89.27% 88.57% 87.89% 87.24% 86.61% 86.00% 85.41% 84.84%
62 90.00% 90.00% 89.29% 88.60% 87.93% 87.29% 86.67% 86.07% 85.48%
63 90.00% 90.00% 89.30% 88.62% 87.97% 87.33% 86.72% 86.13%
64 90.00% 90.00% 89.31% 88.64% 88.00% 87.38% 86.77%
65 90.00% 90.00% 89.32% 88.67% 88.03% 87.42%
66 90.00% 90.00% 89.33% 88.69% 88.06%
67 90.00% 90.00% 89.34% 88.71%
68 90.00% 90.00% 89.35%
69 90.00% 90.00%
70 90.00%
 Guaranteed Surrender Value factors applicable to Total Premiums paid
<-----------------------------------------Policy Term------------------------------------->
Policy 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
Year
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%
3 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00% 35.00%
4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%
8 50.63% 50.63% 50.62% 50.61% 50.60% 50.59% 50.58% 50.57% 50.56% 50.56% 50.55% 50.54% 50.53% 50.53% 50.52% 50.51% 50.51% 50.50% 50.49% 50.49% 50.48% 50.48% 50.47% 50.47% 50.46% 50.45% 50.45% 50.44% 50.44% 50.43%
9 51.27% 51.25% 51.23% 51.21% 51.19% 51.18% 51.16% 51.14% 51.13% 51.11% 51.10% 51.08% 51.07% 51.05% 51.04% 51.03% 51.01% 51.00% 50.99% 50.98% 50.96% 50.95% 50.94% 50.93% 50.92% 50.91% 50.90% 50.89% 50.88% 50.87%
10 51.90% 51.88% 51.85% 51.82% 51.79% 51.76% 51.74% 51.71% 51.69% 51.67% 51.64% 51.62% 51.60% 51.58% 51.56% 51.54% 51.52% 51.50% 51.48% 51.46% 51.45% 51.43% 51.41% 51.40% 51.38% 51.36% 51.35% 51.33% 51.32% 51.30%
11 52.54% 52.50% 52.46% 52.42% 52.39% 52.35% 52.32% 52.29% 52.25% 52.22% 52.19% 52.16% 52.13% 52.11% 52.08% 52.05% 52.03% 52.00% 51.98% 51.95% 51.93% 51.90% 51.88% 51.86% 51.84% 51.82% 51.80% 51.78% 51.76% 51.74%
12 53.17% 53.13% 53.08% 53.03% 52.99% 52.94% 52.90% 52.86% 52.82% 52.78% 52.74% 52.70% 52.67% 52.63% 52.60% 52.56% 52.53% 52.50% 52.47% 52.44% 52.41% 52.38% 52.35% 52.33% 52.30% 52.27% 52.25% 52.22% 52.20% 52.17%
13 53.81% 53.75% 53.69% 53.64% 53.58% 53.53% 53.48% 53.43% 53.38% 53.33% 53.29% 53.24% 53.20% 53.16% 53.12% 53.08% 53.04% 53.00% 52.96% 52.93% 52.89% 52.86% 52.82% 52.79% 52.76% 52.73% 52.70% 52.67% 52.64% 52.61%
14 54.44% 54.38% 54.31% 54.24% 54.18% 54.12% 54.06% 54.00% 53.94% 53.89% 53.84% 53.78% 53.73% 53.68% 53.64% 53.59% 53.54% 53.50% 53.46% 53.41% 53.37% 53.33% 53.29% 53.26% 53.22% 53.18% 53.15% 53.11% 53.08% 53.04%
15 55.08% 55.00% 54.92% 54.85% 54.78% 54.71% 54.64% 54.57% 54.51% 54.44% 54.38% 54.32% 54.27% 54.21% 54.16% 54.10% 54.05% 54.00% 53.95% 53.90% 53.86% 53.81% 53.76% 53.72% 53.68% 53.64% 53.60% 53.56% 53.52% 53.48%
16 55.71% 55.63% 55.54% 55.45% 55.37% 55.29% 55.22% 55.14% 55.07% 55.00% 54.93% 54.86% 54.80% 54.74% 54.68% 54.62% 54.56% 54.50% 54.44% 54.39% 54.34% 54.29% 54.24% 54.19% 54.14% 54.09% 54.04% 54.00% 53.96% 53.91%
17 56.35% 56.25% 56.15% 56.06% 55.97% 55.88% 55.80% 55.71% 55.63% 55.56% 55.48% 55.41% 55.33% 55.26% 55.19% 55.13% 55.06% 55.00% 54.94% 54.88% 54.82% 54.76% 54.71% 54.65% 54.60% 54.55% 54.49% 54.44% 54.40% 54.35%
18 56.98% 56.88% 56.77% 56.67% 56.57% 56.47% 56.38% 56.29% 56.20% 56.11% 56.03% 55.95% 55.87% 55.79% 55.71% 55.64% 55.57% 55.50% 55.43% 55.37% 55.30% 55.24% 55.18% 55.12% 55.06% 55.00% 54.94% 54.89% 54.84% 54.78%
19 57.62% 57.50% 57.38% 57.27% 57.16% 57.06% 56.96% 56.86% 56.76% 56.67% 56.58% 56.49% 56.40% 56.32% 56.23% 56.15% 56.08% 56.00% 55.93% 55.85% 55.78% 55.71% 55.65% 55.58% 55.52% 55.45% 55.39% 55.33% 55.27% 55.22%
20 58.25% 58.13% 58.00% 57.88% 57.76% 57.65% 57.54% 57.43% 57.32% 57.22% 57.12% 57.03% 56.93% 56.84% 56.75% 56.67% 56.58% 56.50% 56.42% 56.34% 56.27% 56.19% 56.12% 56.05% 55.98% 55.91% 55.84% 55.78% 55.71% 55.65%
21 58.89% 58.75% 58.62% 58.48% 58.36% 58.24% 58.12% 58.00% 57.89% 57.78% 57.67% 57.57% 57.47% 57.37% 57.27% 57.18% 57.09% 57.00% 56.91% 56.83% 56.75% 56.67% 56.59% 56.51% 56.44% 56.36% 56.29% 56.22% 56.15% 56.09%
22 59.52% 59.38% 59.23% 59.09% 58.96% 58.82% 58.70% 58.57% 58.45% 58.33% 58.22% 58.11% 58.00% 57.89% 57.79% 57.69% 57.59% 57.50% 57.41% 57.32% 57.23% 57.14% 57.06% 56.98% 56.90% 56.82% 56.74% 56.67% 56.59% 56.52%

10
23 60.16% 60.00% 59.85% 59.70% 59.55% 59.41% 59.28% 59.14% 59.01% 58.89% 58.77% 58.65% 58.53% 58.42% 58.31% 58.21% 58.10% 58.00% 57.90% 57.80% 57.71% 57.62% 57.53% 57.44% 57.36% 57.27% 57.19% 57.11% 57.03% 56.96%
24 60.79% 60.63% 60.46% 60.30% 60.15% 60.00% 59.86% 59.71% 59.58% 59.44% 59.32% 59.19% 59.07% 58.95% 58.83% 58.72% 58.61% 58.50% 58.40% 58.29% 58.19% 58.10% 58.00% 57.91% 57.82% 57.73% 57.64% 57.56% 57.47% 57.39%
25 61.43% 61.25% 61.08% 60.91% 60.75% 60.59% 60.43% 60.29% 60.14% 60.00% 59.86% 59.73% 59.60% 59.47% 59.35% 59.23% 59.11% 59.00% 58.89% 58.78% 58.67% 58.57% 58.47% 58.37% 58.28% 58.18% 58.09% 58.00% 57.91% 57.83%
26 62.06% 61.88% 61.69% 61.52% 61.34% 61.18% 61.01% 60.86% 60.70% 60.56% 60.41% 60.27% 60.13% 60.00% 59.87% 59.74% 59.62% 59.50% 59.38% 59.27% 59.16% 59.05% 58.94% 58.84% 58.74% 58.64% 58.54% 58.44% 58.35% 58.26%
27 62.70% 62.50% 62.31% 62.12% 61.94% 61.76% 61.59% 61.43% 61.27% 61.11% 60.96% 60.81% 60.67% 60.53% 60.39% 60.26% 60.13% 60.00% 59.88% 59.76% 59.64% 59.52% 59.41% 59.30% 59.20% 59.09% 58.99% 58.89% 58.79% 58.70%
28 63.33% 63.13% 62.92% 62.73% 62.54% 62.35% 62.17% 62.00% 61.83% 61.67% 61.51% 61.35% 61.20% 61.05% 60.91% 60.77% 60.63% 60.50% 60.37% 60.24% 60.12% 60.00% 59.88% 59.77% 59.66% 59.55% 59.44% 59.33% 59.23% 59.13%
29 63.97% 63.75% 63.54% 63.33% 63.13% 62.94% 62.75% 62.57% 62.39% 62.22% 62.05% 61.89% 61.73% 61.58% 61.43% 61.28% 61.14% 61.00% 60.86% 60.73% 60.60% 60.48% 60.35% 60.23% 60.11% 60.00% 59.89% 59.78% 59.67% 59.57%
30 64.60% 64.37% 64.15% 63.94% 63.73% 63.53% 63.33% 63.14% 62.96% 62.78% 62.60% 62.43% 62.27% 62.11% 61.95% 61.79% 61.65% 61.50% 61.36% 61.22% 61.08% 60.95% 60.82% 60.70% 60.57% 60.45% 60.34% 60.22% 60.11% 60.00%
31 65.24% 65.00% 64.77% 64.55% 64.33% 64.12% 63.91% 63.71% 63.52% 63.33% 63.15% 62.97% 62.80% 62.63% 62.47% 62.31% 62.15% 62.00% 61.85% 61.71% 61.57% 61.43% 61.29% 61.16% 61.03% 60.91% 60.79% 60.67% 60.55% 60.43%
32 65.87% 65.62% 65.38% 65.15% 64.93% 64.71% 64.49% 64.29% 64.08% 63.89% 63.70% 63.51% 63.33% 63.16% 62.99% 62.82% 62.66% 62.50% 62.35% 62.20% 62.05% 61.90% 61.76% 61.63% 61.49% 61.36% 61.24% 61.11% 60.99% 60.87%
33 66.51% 66.25% 66.00% 65.76% 65.52% 65.29% 65.07% 64.86% 64.65% 64.44% 64.25% 64.05% 63.87% 63.68% 63.51% 63.33% 63.16% 63.00% 62.84% 62.68% 62.53% 62.38% 62.24% 62.09% 61.95% 61.82% 61.69% 61.56% 61.43% 61.30%
34 67.14% 66.87% 66.62% 66.36% 66.12% 65.88% 65.65% 65.43% 65.21% 65.00% 64.79% 64.59% 64.40% 64.21% 64.03% 63.85% 63.67% 63.50% 63.33% 63.17% 63.01% 62.86% 62.71% 62.56% 62.41% 62.27% 62.13% 62.00% 61.87% 61.74%
35 67.78% 67.50% 67.23% 66.97% 66.72% 66.47% 66.23% 66.00% 65.77% 65.56% 65.34% 65.14% 64.93% 64.74% 64.55% 64.36% 64.18% 64.00% 63.83% 63.66% 63.49% 63.33% 63.18% 63.02% 62.87% 62.73% 62.58% 62.44% 62.31% 62.17%
36 68.41% 68.12% 67.85% 67.58% 67.31% 67.06% 66.81% 66.57% 66.34% 66.11% 65.89% 65.68% 65.47% 65.26% 65.06% 64.87% 64.68% 64.50% 64.32% 64.15% 63.98% 63.81% 63.65% 63.49% 63.33% 63.18% 63.03% 62.89% 62.75% 62.61%
37 69.05% 68.75% 68.46% 68.18% 67.91% 67.65% 67.39% 67.14% 66.90% 66.67% 66.44% 66.22% 66.00% 65.79% 65.58% 65.38% 65.19% 65.00% 64.81% 64.63% 64.46% 64.29% 64.12% 63.95% 63.79% 63.64% 63.48% 63.33% 63.19% 63.04%
38 69.68% 69.37% 69.08% 68.79% 68.51% 68.24% 67.97% 67.71% 67.46% 67.22% 66.99% 66.76% 66.53% 66.32% 66.10% 65.90% 65.70% 65.50% 65.31% 65.12% 64.94% 64.76% 64.59% 64.42% 64.25% 64.09% 63.93% 63.78% 63.63% 63.48%
39 70.32% 70.00% 69.69% 69.39% 69.10% 68.82% 68.55% 68.29% 68.03% 67.78% 67.53% 67.30% 67.07% 66.84% 66.62% 66.41% 66.20% 66.00% 65.80% 65.61% 65.42% 65.24% 65.06% 64.88% 64.71% 64.55% 64.38% 64.22% 64.07% 63.91%
40 70.95% 70.62% 70.31% 70.00% 69.70% 69.41% 69.13% 68.86% 68.59% 68.33% 68.08% 67.84% 67.60% 67.37% 67.14% 66.92% 66.71% 66.50% 66.30% 66.10% 65.90% 65.71% 65.53% 65.35% 65.17% 65.00% 64.83% 64.67% 64.51% 64.35%
41 71.59% 71.25% 70.92% 70.61% 70.30% 70.00% 69.71% 69.43% 69.15% 68.89% 68.63% 68.38% 68.13% 67.89% 67.66% 67.44% 67.22% 67.00% 66.79% 66.59% 66.39% 66.19% 66.00% 65.81% 65.63% 65.45% 65.28% 65.11% 64.95% 64.78%
42 72.22% 71.87% 71.54% 71.21% 70.90% 70.59% 70.29% 70.00% 69.72% 69.44% 69.18% 68.92% 68.67% 68.42% 68.18% 67.95% 67.72% 67.50% 67.28% 67.07% 66.87% 66.67% 66.47% 66.28% 66.09% 65.91% 65.73% 65.56% 65.38% 65.22%
43 72.86% 72.50% 72.15% 71.82% 71.49% 71.18% 70.87% 70.57% 70.28% 70.00% 69.73% 69.46% 69.20% 68.95% 68.70% 68.46% 68.23% 68.00% 67.78% 67.56% 67.35% 67.14% 66.94% 66.74% 66.55% 66.36% 66.18% 66.00% 65.82% 65.65%
44 73.49% 73.12% 72.77% 72.42% 72.09% 71.76% 71.45% 71.14% 70.85% 70.56% 70.27% 70.00% 69.73% 69.47% 69.22% 68.97% 68.73% 68.50% 68.27% 68.05% 67.83% 67.62% 67.41% 67.21% 67.01% 66.82% 66.63% 66.44% 66.26% 66.09%
45 74.13% 73.75% 73.38% 73.03% 72.69% 72.35% 72.03% 71.71% 71.41% 71.11% 70.82% 70.54% 70.27% 70.00% 69.74% 69.49% 69.24% 69.00% 68.77% 68.54% 68.31% 68.10% 67.88% 67.67% 67.47% 67.27% 67.08% 66.89% 66.70% 66.52%
46 74.76% 74.37% 74.00% 73.64% 73.28% 72.94% 72.61% 72.29% 71.97% 71.67% 71.37% 71.08% 70.80% 70.53% 70.26% 70.00% 69.75% 69.50% 69.26% 69.02% 68.80% 68.57% 68.35% 68.14% 67.93% 67.73% 67.53% 67.33% 67.14% 66.96%
47 75.40% 75.00% 74.62% 74.24% 73.88% 73.53% 73.19% 72.86% 72.54% 72.22% 71.92% 71.62% 71.33% 71.05% 70.78% 70.51% 70.25% 70.00% 69.75% 69.51% 69.28% 69.05% 68.82% 68.60% 68.39% 68.18% 67.98% 67.78% 67.58% 67.39%
 Guaranteed Surrender Value factors applicable to Total Premiums paid
<-----------------------------------------Policy Term------------------------------------->
Policy 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
Year
48 76.03% 75.62% 75.23% 74.85% 74.48% 74.12% 73.77% 73.43% 73.10% 72.78% 72.47% 72.16% 71.87% 71.58% 71.30% 71.03% 70.76% 70.50% 70.25% 70.00% 69.76% 69.52% 69.29% 69.07% 68.85% 68.64% 68.43% 68.22% 68.02% 67.83%
49 76.67% 76.25% 75.85% 75.45% 75.07% 74.71% 74.35% 74.00% 73.66% 73.33% 73.01% 72.70% 72.40% 72.11% 71.82% 71.54% 71.27% 71.00% 70.74% 70.49% 70.24% 70.00% 69.76% 69.53% 69.31% 69.09% 68.88% 68.67% 68.46% 68.26%
50 77.30% 76.87% 76.46% 76.06% 75.67% 75.29% 74.93% 74.57% 74.23% 73.89% 73.56% 73.24% 72.93% 72.63% 72.34% 72.05% 71.77% 71.50% 71.23% 70.98% 70.72% 70.48% 70.24% 70.00% 69.77% 69.55% 69.33% 69.11% 68.90% 68.70%
51 77.94% 77.50% 77.08% 76.67% 76.27% 75.88% 75.51% 75.14% 74.79% 74.44% 74.11% 73.78% 73.47% 73.16% 72.86% 72.56% 72.28% 72.00% 71.73% 71.46% 71.20% 70.95% 70.71% 70.47% 70.23% 70.00% 69.78% 69.56% 69.34% 69.13%
52 78.57% 78.12% 77.69% 77.27% 76.87% 76.47% 76.09% 75.71% 75.35% 75.00% 74.66% 74.32% 74.00% 73.68% 73.38% 73.08% 72.78% 72.50% 72.22% 71.95% 71.69% 71.43% 71.18% 70.93% 70.69% 70.45% 70.22% 70.00% 69.78% 69.57%
53 79.21% 78.75% 78.31% 77.88% 77.46% 77.06% 76.67% 76.29% 75.92% 75.56% 75.21% 74.86% 74.53% 74.21% 73.90% 73.59% 73.29% 73.00% 72.72% 72.44% 72.17% 71.90% 71.65% 71.40% 71.15% 70.91% 70.67% 70.44% 70.22% 70.00%
54 79.84% 79.37% 78.92% 78.48% 78.06% 77.65% 77.25% 76.86% 76.48% 76.11% 75.75% 75.41% 75.07% 74.74% 74.42% 74.10% 73.80% 73.50% 73.21% 72.93% 72.65% 72.38% 72.12% 71.86% 71.61% 71.36% 71.12% 70.89% 70.66% 70.43%
55 80.48% 80.00% 79.54% 79.09% 78.66% 78.24% 77.83% 77.43% 77.04% 76.67% 76.30% 75.95% 75.60% 75.26% 74.94% 74.62% 74.30% 74.00% 73.70% 73.41% 73.13% 72.86% 72.59% 72.33% 72.07% 71.82% 71.57% 71.33% 71.10% 70.87%
56 81.11% 80.62% 80.15% 79.70% 79.25% 78.82% 78.41% 78.00% 77.61% 77.22% 76.85% 76.49% 76.13% 75.79% 75.45% 75.13% 74.81% 74.50% 74.20% 73.90% 73.61% 73.33% 73.06% 72.79% 72.53% 72.27% 72.02% 71.78% 71.54% 71.30%
57 81.75% 81.25% 80.77% 80.30% 79.85% 79.41% 78.99% 78.57% 78.17% 77.78% 77.40% 77.03% 76.67% 76.32% 75.97% 75.64% 75.32% 75.00% 74.69% 74.39% 74.10% 73.81% 73.53% 73.26% 72.99% 72.73% 72.47% 72.22% 71.98% 71.74%
58 82.38% 81.87% 81.38% 80.91% 80.45% 80.00% 79.57% 79.14% 78.73% 78.33% 77.95% 77.57% 77.20% 76.84% 76.49% 76.15% 75.82% 75.50% 75.19% 74.88% 74.58% 74.29% 74.00% 73.72% 73.45% 73.18% 72.92% 72.67% 72.42% 72.17%
59 83.02% 82.50% 82.00% 81.52% 81.04% 80.59% 80.14% 79.71% 79.30% 78.89% 78.49% 78.11% 77.73% 77.37% 77.01% 76.67% 76.33% 76.00% 75.68% 75.37% 75.06% 74.76% 74.47% 74.19% 73.91% 73.64% 73.37% 73.11% 72.86% 72.61%
60 83.65% 83.12% 82.62% 82.12% 81.64% 81.18% 80.72% 80.29% 79.86% 79.44% 79.04% 78.65% 78.27% 77.89% 77.53% 77.18% 76.84% 76.50% 76.17% 75.85% 75.54% 75.24% 74.94% 74.65% 74.37% 74.09% 73.82% 73.56% 73.30% 73.04%
61 84.29% 83.75% 83.23% 82.73% 82.24% 81.76% 81.30% 80.86% 80.42% 80.00% 79.59% 79.19% 78.80% 78.42% 78.05% 77.69% 77.34% 77.00% 76.67% 76.34% 76.02% 75.71% 75.41% 75.12% 74.83% 74.55% 74.27% 74.00% 73.74% 73.48%
62 84.92% 84.37% 83.85% 83.33% 82.84% 82.35% 81.88% 81.43% 80.99% 80.56% 80.14% 79.73% 79.33% 78.95% 78.57% 78.21% 77.85% 77.50% 77.16% 76.83% 76.51% 76.19% 75.88% 75.58% 75.29% 75.00% 74.72% 74.44% 74.18% 73.91%
63 85.56% 85.00% 84.46% 83.94% 83.43% 82.94% 82.46% 82.00% 81.55% 81.11% 80.68% 80.27% 79.87% 79.47% 79.09% 78.72% 78.35% 78.00% 77.65% 77.32% 76.99% 76.67% 76.35% 76.05% 75.75% 75.45% 75.17% 74.89% 74.62% 74.35%
64 86.19% 85.62% 85.08% 84.55% 84.03% 83.53% 83.04% 82.57% 82.11% 81.67% 81.23% 80.81% 80.40% 80.00% 79.61% 79.23% 78.86% 78.50% 78.15% 77.80% 77.47% 77.14% 76.82% 76.51% 76.21% 75.91% 75.62% 75.33% 75.05% 74.78%
65 86.83% 86.25% 85.69% 85.15% 84.63% 84.12% 83.62% 83.14% 82.68% 82.22% 81.78% 81.35% 80.93% 80.53% 80.13% 79.74% 79.37% 79.00% 78.64% 78.29% 77.95% 77.62% 77.29% 76.98% 76.67% 76.36% 76.07% 75.78% 75.49% 75.22%
66 87.46% 86.87% 86.31% 85.76% 85.22% 84.71% 84.20% 83.71% 83.24% 82.78% 82.33% 81.89% 81.47% 81.05% 80.65% 80.26% 79.87% 79.50% 79.14% 78.78% 78.43% 78.10% 77.76% 77.44% 77.13% 76.82% 76.52% 76.22% 75.93% 75.65%
67 88.10% 87.50% 86.92% 86.36% 85.82% 85.29% 84.78% 84.29% 83.80% 83.33% 82.88% 82.43% 82.00% 81.58% 81.17% 80.77% 80.38% 80.00% 79.63% 79.27% 78.92% 78.57% 78.24% 77.91% 77.59% 77.27% 76.97% 76.67% 76.37% 76.09%
68 88.73% 88.12% 87.54% 86.97% 86.42% 85.88% 85.36% 84.86% 84.37% 83.89% 83.42% 82.97% 82.53% 82.11% 81.69% 81.28% 80.89% 80.50% 80.12% 79.76% 79.40% 79.05% 78.71% 78.37% 78.05% 77.73% 77.42% 77.11% 76.81% 76.52%
69 89.37% 88.75% 88.15% 87.58% 87.01% 86.47% 85.94% 85.43% 84.93% 84.44% 83.97% 83.51% 83.07% 82.63% 82.21% 81.79% 81.39% 81.00% 80.62% 80.24% 79.88% 79.52% 79.18% 78.84% 78.51% 78.18% 77.87% 77.56% 77.25% 76.96%

11
70 90.00% 89.37% 88.77% 88.18% 87.61% 87.06% 86.52% 86.00% 85.49% 85.00% 84.52% 84.05% 83.60% 83.16% 82.73% 82.31% 81.90% 81.50% 81.11% 80.73% 80.36% 80.00% 79.65% 79.30% 78.97% 78.64% 78.31% 78.00% 77.69% 77.39%
71 90.00% 90.00% 89.38% 88.79% 88.21% 87.65% 87.10% 86.57% 86.06% 85.56% 85.07% 84.59% 84.13% 83.68% 83.25% 82.82% 82.41% 82.00% 81.60% 81.22% 80.84% 80.48% 80.12% 79.77% 79.43% 79.09% 78.76% 78.44% 78.13% 77.83%
72 90.00% 90.00% 89.39% 88.81% 88.24% 87.68% 87.14% 86.62% 86.11% 85.62% 85.14% 84.67% 84.21% 83.77% 83.33% 82.91% 82.50% 82.10% 81.71% 81.33% 80.95% 80.59% 80.23% 79.89% 79.55% 79.21% 78.89% 78.57% 78.26%
73 90.00% 90.00% 89.40% 88.82% 88.26% 87.71% 87.18% 86.67% 86.16% 85.68% 85.20% 84.74% 84.29% 83.85% 83.42% 83.00% 82.59% 82.20% 81.81% 81.43% 81.06% 80.70% 80.34% 80.00% 79.66% 79.33% 79.01% 78.70%
74 90.00% 90.00% 89.41% 88.84% 88.29% 87.75% 87.22% 86.71% 86.22% 85.73% 85.26% 84.81% 84.36% 83.92% 83.50% 83.09% 82.68% 82.29% 81.90% 81.53% 81.16% 80.80% 80.45% 80.11% 79.78% 79.45% 79.13%
75 90.00% 90.00% 89.42% 88.86% 88.31% 87.78% 87.26% 86.76% 86.27% 85.79% 85.32% 84.87% 84.43% 84.00% 83.58% 83.17% 82.77% 82.38% 82.00% 81.63% 81.26% 80.91% 80.56% 80.22% 79.89% 79.57%
76 90.00% 90.00% 89.43% 88.87% 88.33% 87.81% 87.30% 86.80% 86.32% 85.84% 85.38% 84.94% 84.50% 84.07% 83.66% 83.25% 82.86% 82.47% 82.09% 81.72% 81.36% 81.01% 80.67% 80.33% 80.00%
77 90.00% 90.00% 89.44% 88.89% 88.36% 87.84% 87.33% 86.84% 86.36% 85.90% 85.44% 85.00% 84.57% 84.15% 83.73% 83.33% 82.94% 82.56% 82.18% 81.82% 81.46% 81.11% 80.77% 80.43%
78 90.00% 90.00% 89.44% 88.90% 88.38% 87.87% 87.37% 86.88% 86.41% 85.95% 85.50% 85.06% 84.63% 84.22% 83.81% 83.41% 83.02% 82.64% 82.27% 81.91% 81.56% 81.21% 80.87%
79 90.00% 90.00% 89.45% 88.92% 88.40% 87.89% 87.40% 86.92% 86.46% 86.00% 85.56% 85.12% 84.70% 84.29% 83.88% 83.49% 83.10% 82.73% 82.36% 82.00% 81.65% 81.30%
80 90.00% 90.00% 89.46% 88.93% 88.42% 87.92% 87.44% 86.96% 86.50% 86.05% 85.61% 85.18% 84.76% 84.35% 83.95% 83.56% 83.18% 82.81% 82.44% 82.09% 81.74%
81 90.00% 90.00% 89.47% 88.95% 88.44% 87.95% 87.47% 87.00% 86.54% 86.10% 85.66% 85.24% 84.82% 84.42% 84.02% 83.64% 83.26% 82.89% 82.53% 82.17%
82 90.00% 90.00% 89.47% 88.96% 88.46% 87.97% 87.50% 87.04% 86.59% 86.14% 85.71% 85.29% 84.88% 84.48% 84.09% 83.71% 83.33% 82.97% 82.61%
83 90.00% 90.00% 89.48% 88.97% 88.48% 88.00% 87.53% 87.07% 86.63% 86.19% 85.76% 85.35% 84.94% 84.55% 84.16% 83.78% 83.41% 83.04%
84 90.00% 90.00% 89.49% 88.99% 88.50% 88.02% 87.56% 87.11% 86.67% 86.24% 85.81% 85.40% 85.00% 84.61% 84.22% 83.85% 83.48%
85 90.00% 90.00% 89.49% 89.00% 88.52% 88.05% 87.59% 87.14% 86.71% 86.28% 85.86% 85.45% 85.06% 84.67% 84.29% 83.91%
86 90.00% 90.00% 89.50% 89.01% 88.54% 88.07% 87.62% 87.18% 86.74% 86.32% 85.91% 85.51% 85.11% 84.73% 84.35%
87 90.00% 90.00% 89.51% 89.02% 88.55% 88.10% 87.65% 87.21% 86.78% 86.36% 85.96% 85.56% 85.16% 84.78%
88 90.00% 90.00% 89.51% 89.04% 88.57% 88.12% 87.67% 87.24% 86.82% 86.40% 86.00% 85.60% 85.22%
89 90.00% 90.00% 89.52% 89.05% 88.59% 88.14% 87.70% 87.27% 86.85% 86.44% 86.04% 85.65%
90 90.00% 90.00% 89.52% 89.06% 88.60% 88.16% 87.73% 87.30% 86.89% 86.48% 86.09%
91 90.00% 90.00% 89.53% 89.07% 88.62% 88.18% 87.75% 87.33% 86.92% 86.52%
92 90.00% 90.00% 89.53% 89.08% 88.64% 88.20% 87.78% 87.36% 86.96%
93 90.00% 90.00% 89.54% 89.09% 88.65% 88.22% 87.80% 87.39%
94 90.00% 90.00% 89.55% 89.10% 88.67% 88.24% 87.83%
 Guaranteed Surrender Value factors applicable to Total Premiums paid
<-----------------------------------------Policy Term------------------------------------->
Policy 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
Year
95 90.00% 90.00% 89.55% 89.11% 88.68% 88.26%
96 90.00% 90.00% 89.56% 89.12% 88.70%
97 90.00% 90.00% 89.56% 89.13%
98 90.00% 90.00% 89.57%
99 90.00% 90.00%
100 90.00%
In addition, surrender value of vested Simple Reversionary Bonuses, if any, shall also be payable, which is equal to vested bonuses multiplied by Guaranteed Surrender Value factors
applicable to vested bonuses. These Guaranteed Surrender Value factors in percentage will depend on the policy term and policy year in which the policy is surrendered and are as
specified below:
Guaranteed Surrender Value factors applicable to Vested Bonuses
<-----------------------------------------Policy Term------------------------------------->
Policy 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70
Year
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21%

12
4 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55%
5 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89%
6 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23%
7 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57%
8 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91%
9 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25%
10 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59%
11 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93%
12 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27%
13 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61%
14 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95%
15 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29%
16 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63%
17 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97%
18 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31%
19 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65%
20 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99%
21 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33%
22 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67%
23 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01%
 Guaranteed Surrender Value factors applicable to Vested Bonuses
<-----------------------------------------Policy Term------------------------------------->
Policy 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70
Year
24 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35%
25 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69%
26 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03%
27 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37%
28 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71%
29 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05%
30 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39%
31 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73%
32 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07%
33 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41%
34 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75%
35 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09%
36 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43%
37 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77%
38 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11%
39 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45%

13
40 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79%
41 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13%
42 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47%
43 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81%
44 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15%
45 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49%
46 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84%
47 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18%
48 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52%
49 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86%
50 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20%
51 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54%
52 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88%
53 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22%
54 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56%
55 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90%
56 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24%
57 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58%
58 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92%
59 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26%
 Guaranteed Surrender Value factors applicable to Vested Bonuses
<-----------------------------------------Policy Term------------------------------------->
Policy 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70
Year
60 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60%
61 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94%
62 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28%
63 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62%
64 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96%
65 35.00% 34.66% 34.32% 33.98% 33.64% 33.30%
66 35.00% 34.66% 34.32% 33.98% 33.64%
67 35.00% 34.66% 34.32% 33.98%
68 35.00% 34.66% 34.32%
69 35.00% 34.66%
70 35.00%

Guaranteed Surrender Value factors applicable to Vested Bonuses

<-----------------------------------------Policy Term------------------------------------->
Policy 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
Year
1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

14
2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 2.68% 2.34% 2.00%
4 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 2.68% 2.34%
5 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02% 2.68%
6 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36% 3.02%
7 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70% 3.36%
8 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04% 3.70%
9 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38% 4.04%
10 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72% 4.38%
11 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06% 4.72%
12 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40% 5.06%
13 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74% 5.40%
14 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08% 5.74%
15 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42% 6.08%
16 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76% 6.42%
17 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10% 6.76%
18 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44% 7.10%
19 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78% 7.44%
20 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12% 7.78%
21 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46% 8.12%
22 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80% 8.46%
23 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14% 8.80%
24 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48% 9.14%
 Guaranteed Surrender Value factors applicable to Vested Bonuses
<-----------------------------------------Policy Term------------------------------------->
Policy 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
Year
25 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82% 9.48%
26 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16% 9.82%
27 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51% 10.16%
28 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85% 10.51%
29 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19% 10.85%
30 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53% 11.19%
31 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87% 11.53%
32 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21% 11.87%
33 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55% 12.21%
34 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89% 12.55%
35 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23% 12.89%
36 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57% 13.23%
37 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91% 13.57%
38 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25% 13.91%
39 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59% 14.25%
40 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93% 14.59%
41 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27% 14.93%
42 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61% 15.27%
43 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95% 15.61%

15
44 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29% 15.95%
45 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63% 16.29%
46 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97% 16.63%
47 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31% 16.97%
48 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65% 17.31%
49 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99% 17.65%
50 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33% 17.99%
51 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67% 18.33%
52 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01% 18.67%
53 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35% 19.01%
54 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69% 19.35%
55 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03% 19.69%
56 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37% 20.03%
57 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71% 20.37%
58 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05% 20.71%
59 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39% 21.05%
60 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73% 21.39%
61 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07% 21.73%
62 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41% 22.07%
63 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75% 22.41%
64 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09% 22.75%
65 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43% 23.09%
66 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77% 23.43%
 Guaranteed Surrender Value factors applicable to Vested Bonuses
<-----------------------------------------Policy Term------------------------------------->
Policy 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
Year
67 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11% 23.77%
68 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45% 24.11%
69 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79% 24.45%
70 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13% 24.79%
71 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47% 25.13%
72 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81% 25.47%
73 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15% 25.81%
74 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49% 26.15%
75 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84% 26.49%
76 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18% 26.84%
77 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52% 27.18%
78 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86% 27.52%
79 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20% 27.86%
80 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54% 28.20%
81 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88% 28.54%
82 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22% 28.88%
83 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56% 29.22%
84 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90% 29.56%
85 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24% 29.90%

16
86 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58% 30.24%
87 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92% 30.58%
88 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26% 30.92%
89 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60% 31.26%
90 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94% 31.60%
91 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28% 31.94%
92 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62% 32.28%
93 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96% 32.62%
94 35.00% 34.66% 34.32% 33.98% 33.64% 33.30% 32.96%
95 35.00% 34.66% 34.32% 33.98% 33.64% 33.30%
96 35.00% 34.66% 34.32% 33.98% 33.64%
97 35.00% 34.66% 34.32% 33.98%
98 35.00% 34.66% 34.32%
99 35.00% 34.66%
100 35.00%

The Special Surrender Value shall be reviewed annually in line with IRDAI Master Circular on Life Insurance Products Ref: IRDAI/ACTL/MSTCIR/MISC/89/6/2024 dated 12th June, 2024 and any
subsequent circulars issued by IRDAI in this regards.
No surrender value will be available on Rider(s), if any.
Upon payment of Surrender Value, the Policy terminates and no further benefits shall be payable.
11. POLICY LOAN:
Loan shall be available, within the surrender value, during the policy term
subject to following:
i. Loan can be availed under the policy after completion of first policy year
provided one full year’s premium(s) has been paid.
ii. The maximum loan allowed shall be as under:
If loan is availed during the premium paying term:
The maximum loan allowed under the policy, as a percentage of Surrender
Value, shall be as under:

Policy Status Before payment of two After payment of two

full year’s premiums full year’s premiums
Under In-force policies 50% 75%
Under Paid-up policies 40% 65%
Interest on Loan during the premium paying term shall be paid on compounding
half-yearly basis to the Corporation at the rate to be specified by the Corporation
at the time of taking loan under this policy. In case the loan is not repaid during
the premium paying term and if there is default in interest payment, then due
interest on the loan shall be recovered from survival benefits due or any other
amount payable under the policy.
If loan is availed after the premium paying term:
The maximum permissible amount of new loan (where no previous loan taken
earlier is outstanding) for policies which are entitled for survival benefits shall be
arrived at in such a way that the effective annual interest amount payable on loan
does not exceed 50% of the annual survival benefit payable under the policy.
Interest on the loan shall be recovered from the survival benefits and at the rate
which shall be specified by the Corporation when the loan is made.
iii. The rate of loan interest applicable for full loan term, for the loan to be availed
under this policy for every 12 months’ period from 1st May to 30th April shall not
exceed 10 year G-Sec yield p.a. compounding half-yearly as at the last trading
date of previous financial year plus 3% or the yield earned on the Corporation’s
Non-Linked Participating fund plus 1%, whichever is higher. For loan sanctioned
during 12 months’ period commencing from 1st May, 2024 to 30th April, 2025
the applicable interest rate shall be 9.5% p.a. compounding half-yearly for entire
term of the loan. The basis for determination of interest rate for Policy Loan is
subject to change.
During the policy term, in the event of default in payment of interest on the
due dates and when the outstanding loan amount along with the interest is to
exceed the Surrender Value, the Corporation would be entitled to foreclose such
policies. Such policies when being foreclosed shall be entitled to payment of
the difference of Surrender Value and the loan outstanding amount along with
interest, if any.
Any outstanding loan along with interest shall be recovered from claim proceeds
at the time of exit.
12. FORFEITURE IN CERTAIN EVENTS
In case it is found that any untrue or incorrect statement is contained in the
proposal, personal statement, declaration and connected documents or any
material information is withheld, then and in every such case the policy shall be
void and all claims to any benefit by virtue thereof shall be subject to provisions
of Section 45 of the Insurance Act, 1938 as amended from time to time.
13. TERMINATION OF POLICY
The policy shall immediately and automatically terminate on the earliest
occurrence of any of the following events:
a) The date on which lump-sum death benefit/final instalment of death benefit is paid; or
b) The date on which surrender benefits are settled under the policy; or

17
c) The date of maturity; or
d) In the event of default in payment of loan interest as specified in Para 11; or
e) On expiry of Revival Period if the policy, which has not acquired paid up status,
has not been revived within the revival period; or
f) On payment of free look cancellation amount; or
g) In the event of forfeiture as specified in Para 12 above
14. TAXES
Statutory Taxes, if any, imposed on such insurance plans by the Government of
India or any other constitutional Tax Authority of India shall be as per the Tax
laws and the rate of tax as applicable from time to time.
The amount of applicable taxes as per the prevailing rates, shall be payable by
the policyholder on premiums (for base policy and rider(s), if any) including extra
premiums, if any, which shall be collected separately over and above in addition
to the premiums payable by the policyholder. The amount of tax paid shall not
be considered for the calculation of benefits payable under the plan.
Regarding Income tax benefits/implications on premium(s) paid and benefits
payable under this plan, please consult your tax advisor for details.
15. FREE LOOK PERIOD
If the Policyholder is not satisfied with the “Terms and Conditions” of the policy,
the policy may be returned to the Corporation within 30 days from the date of
receipt of the electronic or physical mode of the Policy Bond, whichever is earlier,
stating the reasons for objections. On receipt of the same the Corporation shall
cancel the policy and return the amount of premium deposited after deducting
the proportionate risk premium (for base policy and rider(s), if any) for the
period of cover, expenses incurred on medical examination(including special
reports, if any) and stamp duty charges.
16. EXCLUSION
i. Suicide: If the Life Assured (whether sane or insane) commits suicide at any
time within 12 months from the date of commencement of risk, the Nominee
or Beneficiary of the Life Assured shall be entitled to 80% of the total premiums
paid till the date of death,, provided the policy is in-force. This clause shall not
be applicable in case age at entry of the Life Assured is below 8 years.
ii. If the Life Assured (whether sane or insane) commits suicide within 12 months from
date of revival, an amount which is higher of 80% of the total premiums paid till
the date of death or the surrender value available as on the date of death, shall be
payable. The Nominee or Beneficiary of the Life Assured shall not be entitled to any
other claim under the policy. This clause shall not be applicable:
a) In case the age of Life Assured is below 8 years at the time of revival; or
b) For a policy lapsed without acquiring paid-up value and nothing shall be payable
under such policy.
Note: Premiums referred above shall not include any taxes if collected explicitly,
extra premiums and any rider premium(s) other than Term Assurance Rider, if any.
BENEFIT ILLUSTRATION
Distribution Channel: Offline Proposal No:
Name of the Prospect/ Name of the
Lic’s Jeevan Umang
Policyholder: Product:
(A Par, Non-Linked, Individual,
Age: Tag Line: Savings, Whole Life Insurance
Plan)
Unique
Name of the Life Assured: 512N312V03
Identification No:
Age: 40 GST Rate (1st Year): 4.50%
GST Rate
Policy Term: 60 2.25%
(2nd Year onwards):
Premium Payment Term: 20 Note: GST rate shall be as applicable from time to time.
Amount of Instalment Premium: 53879.00
(Instalment Premium for Base Plan)
Mode of payment of premium: Yearly
18
“How to read and understand this benefit illustration?
This benefit illustration is intended to show year-wise premiums payable and benefits
under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.
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 benefits then these will be clearly marked
“guaranteed” in the illustration table on this page. If your policy offers variable
benefits then the illustrations on this page will show two different rates of
assumed future investment returns, of 8% p.a. and 4% p.a. 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.”

Policy Details
Policy Option Basic Sum Assured Rs. 1000000
Bonus Type Simple Revesrsionary and Sum Assured on Death (at 1000000
Final Additional Bonus inception of the policy)1 Rs.

Premium Summary
Total Instalment
Base Plan Riders2
Premium
Instalment Premium without GST 53879.00 53879.00
Instalment Premium with First Year GST 56304.00 56304.00
Instalment Premium with GST 2nd Year
55091.28 55091.28
Onwards

19
 “Total Benefits
Guaranteed Benefits Non-Guaranteed Benefits @ 4% p.a. Non-Guaranteed Benefits @ 8% p.a. (Including Guaranteed and Non-Guaranteed Benefits)”
Maturity Benefit Death Benefit 5
Policy Year Annualized 3 “Total Maturity “Total Maturity “Total Death “Total Death
(End of premiums Total Total Benefit, Incl of Benefit, Incl of Benefit, Incl of Benefit, Incl of
the year) (Cumulative) Guaranteed Special Special
Survival Death Maturity “Reversionary Guaranteed “Surrender “Reversionary Guaranteed “Surrender Final Additional Final Additional Final Additional Final Additional
Surrender Surrender Surrender
Benefit Benefit Benefit Bonus” Surrender Benefit” Bonus” Surrender Benefit” Bonus, If any, Bonus, If any, Bonus,If any, Bonus,If any,
Value value value
Value Value @ 4% @ 8% @ 4% @ 8%
(6+7+FAB)” (6+11+FAB)” (5+7+FAB)” (5+11+FAB)”
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
1 53879 0 0 1000000 0 0 0 3810 3810 47000 0 3810 3810 0 0 1000000 1047000
2 107758 0 32327 1000000 0 0 32327 8090 32327 94000 32327 8090 32327 0 0 1000000 1094000
3 161637 0 56573 1000000 0 0 56573 12855 56573 141000 78583 24939 78583 0 0 1000000 1141000
4 215516 0 107758 1000000 0 0 107758 68692 107758 188000 137744 85781 137744 0 0 1000000 1188000
5 269395 0 134698 1000000 0 0 134698 92187 134698 235000 172980 114818 172980 0 0 1000000 1235000
6 323274 0 161637 1000000 0 0 161637 118783 161637 282000 208534 147547 208534 0 0 1000000 1282000
7 377153 0 188577 1000000 0 0 188577 148849 188577 329000 244408 184414 244408 0 0 1000000 1329000
8 431032 0 218835 1000000 0 0 218835 182725 218835 376000 283921 225777 283921 0 0 1000000 1376000
9 484911 0 249923 1000000 0 0 249923 220817 249923 423000 324583 272084 324583 0 0 1000000 1423000
10 538790 0 281841 1000000 0 0 281841 263626 281841 470000 366394 323927 366394 0 0 1000000 1470000
11 592669 0 314589 1000000 0 0 314589 311606 314589 517000 409355 381763 409355 0 0 1000000 1517000
12 646548 0 348166 1000000 0 0 348166 365309 365309 564000 453465 446186 453465 0 0 1000000 1564000
13 700427 0 382573 1000000 0 0 382573 425420 425420 611000 498724 517986 517986 0 0 1000000 1611000
14 754306 0 417735 1000000 0 0 417735 492579 492579 658000 545058 597793 597793 0 0 1000000 1658000
15 808185 0 453796 1000000 0 0 453796 567501 567501 705000 592611 696294 696294 0 0 1000000 1715000
16 862064 0 490687 1000000 0 0 490687 651203 651203 752000 641313 797683 797683 0 0 1000000 1765000
17 915943 0 528408 1000000 0 0 528408 744529 744529 799000 691164 908702 908702 0 0 1000000 1814000
18 969822 0 566958 1000000 0 0 566958 848678 848678 846000 742165 1032664 1032664 0 0 1018313 1864000
19 1023701 0 606338 1000000 0 0 606338 964824 964824 893000 794315 1173693 1173693 0 0 1074886 1918000
20 1077580 80000 646548 1000000 0 0 646548 1014368 1014368 940000 847614 1252220 1252220 0 0 1131459 1975000
21 1077580 80000 654845 1000000 0 0 654845 1013144 1013144 963500 864214 1280895 1280895 0 0 1131459 2013500
22 1077580 80000 663143 1000000 0 0 663143 1011800 1011800 987000 880974 1320127 1320127 0 0 1131459 2062000
23 1077580 80000 671440 1000000 0 0 671440 1010612 1010612 1010500 897893 1385509 1385509 0 0 1131459 2135500
24 1077580 80000 679737 1000000 0 0 679737 1009232 1009232 1034000 914972 1451418 1451418 0 0 1131459 2209000
25 1077580 80000 688035 1000000 0 0 688035 1007820 1007820 1057500 932212 1518239 1518239 0 0 1131459 2282500
26 1077580 80000 696332 1000000 0 0 696332 1006344 1006344 1081000 949610 1585970 1585970 0 0 1131459 2356000
27 1077580 80000 704522 1000000 0 0 704522 1004972 1004972 1104500 967062 1665026 1665026 0 0 1131459 2439500
28 1077580 80000 712819 1000000 0 0 712819 1003380 1003380 1128000 984780 1744789 1744789 0 0 1131459 2523000
29 1077580 80000 721117 1000000 0 0 721117 1001752 1001752 1151500 1002659 1825693 1825693 0 0 1131459 2606500
30 1077580 80000 729414 1000000 0 0 729414 1000080 1000080 1175000 1020697 1942765 1942765 0 0 1131459 2725000
31 1077580 80000 737711 1000000 0 0 737711 998380 998380 1198500 1038894 2066057 2066057 0 0 1131459 2848500
32 1077580 80000 746009 1000000 0 0 746009 996652 996652 1222000 1057252 2215605 2215605 0 0 1131459 2997000
33 1077580 80000 754306 1000000 0 0 754306 994736 994736 1245500 1075770 2366033 2366033 0 0 1131459 3145500
34 1077580 80000 762603 1000000 0 0 762603 992940 992940 1269000 1094447 2518053 2518053 0 0 1131459 3294000
35 1077580 80000 770901 1000000 0 0 770901 991020 991020 1292500 1113284 2671074 2671074 0 0 1131459 3442500
36 1077580 80000 779198 1000000 0 0 779198 989100 989100 1316000 1132412 2825374 2825374 0 0 1131459 3591000
37 1077580 80000 787495 1000000 0 0 787495 986920 986920 1339500 1151571 2980319 2980319 0 0 1131459 3739500
38 1077580 80000 795793 1000000 0 0 795793 985036 985036 1363000 1170891 3137152 3137152 0 0 1131459 3888000
39 1077580 80000 804090 1000000 0 0 804090 982880 982880 1386500 1190369 3294518 3294518 0 0 1131459 4036500
40 1077580 80000 812280 1000000 0 0 812280 980816 980816 1410000 1209900 3453202 3453202 0 0 1131459 4185000
41 1077580 80000 820577 1000000 0 0 820577 978692 978692 1433500 1229698 3619787 3619787 0 0 1131459 4340500
42 1077580 80000 828875 1000000 0 0 828875 976648 976648 1457000 1249657 3794567 3794567 0 0 1131459 4503000
43 1077580 80000 837172 1000000 0 0 837172 974440 974440 1480500 1269774 3975866 3975866 0 0 1131459 4671500
44 1077580 80000 845469 1000000 0 0 845469 972324 972324 1504000 1290051 4166234 4166234 0 0 1131459 4848000
45 1077580 80000 853767 1000000 0 0 853767 970256 970256 1527500 1310490 4364483 4364483 0 0 1131459 5031500
46 1077580 80000 862064 1000000 0 0 862064 968084 968084 1551000 1331086 4570149 4570149 0 0 1131459 5222000
47 1077580 80000 870361 1000000 0 0 870361 965956 965956 1574500 1351843 4784525 4784525 0 0 1131459 5420500
48 1077580 80000 878659 1000000 0 0 878659 963928 963928 1598000 1372761 5005658 5005658 0 0 1131459 5625000
49 1077580 80000 886956 1000000 0 0 886956 961956 961956 1621500 1393837 5235336 5235336 0 0 1131459 5837500
50 1077580 80000 895253 1000000 0 0 895253 959872 959872 1645000 1415073 5471048 5471048 0 0 1131459 6056000
51 1077580 80000 903551 1000000 0 0 903551 957924 957924 1668500 1436470 5714347 5714347 0 0 1131459 6281500
52 1077580 80000 911848 1000000 0 0 911848 955944 955944 1692000 1458026 5964713 5964713 0 0 1131459 6514000
53 1077580 80000 920038 1000000 0 0 920038 953956 953956 1715500 1479634 6221141 6221141 0 0 1131459 6752500
54 1077580 80000 928335 1000000 0 0 928335 952168 952168 1739000 1501509 6484159 6484159 0 0 1131459 6997000
55 1077580 80000 936633 1000000 0 0 936633 950364 950364 1762500 1523546 6753185 6753185 0 0 1131459 7247500
56 1077580 80000 944930 1000000 0 0 944930 950364 950364 1786000 1545740 7002756 7002756 0 0 1131459 7503000
57 1077580 80000 953227 1000000 0 0 953227 950364 953227 1809500 1568095 7257327 7257327 0 0 1131459 7763500
58 1077580 80000 961525 1000000 0 0 961525 950364 961525 1833000 1590611 7515898 7515898 0 0 1131459 8028000
59 1077580 80000 969822 1000000 0 0 969822 950364 969822 1856500 1613285 7779469 7779469 0 0 1131459 8297500
60 1077580 0 969822 1000000 1000000 0 969822 950364 1000000 1880000 1627822 8046040 8570000 1000000 8570000 1131459 8570000

Notes: In case of death of the Life Assured before the commencement of risk, an amount
The main objective of the illustration is that the client is able to appreciate the equal to the total premium(s) paid excluding underwriting extra premium, rider
features of the products and the flow of the benefit in different circumstances premium(s), if any, and Goods & Service Tax shall be payable.”
with some level of quantification.
2. It includes rider(s) premiums in respect of all the rider(s) opted by the proposer
This illustration is applicable to a standard (from medical, life style and occupation
point of view) life. / policyholder at inception of the policy.
“1. If age at entry of the Life Assured is less than 8 years, the risk will commence 3. Annualized Premium excludes underwriting extra premium, frequency loadings
after completion of 2 years from date of commencement of policy or completion on premiums, the premiums paid towards the riders, if any, and Goods & Service
of 8 years of age, whichever is earlier. Tax. Refer Sales literature for explanation of terms used in this illustration.

20 21
 4. Surrender value is higher of Guaranteed Surrender Value (GSV) and Special
Surrender Value (SSV). SSV shall be reviewed in line with IRDAI Master Circular
on Life Insurance Products, Ref: No. IRDAI/ACTL/MSTCIR/MISC/89/6/2024
dated 12th June, 2024 and any subsequent circulars issued by IRDAI in this
regard. For surrender value calculation, it is assumed that the bonuses shall vest
upon its declaration based on experience of the Corporation under this product,
in the manner as per the terms and conditions of annual valuation results.
5. In any case the total death benefit at any time shall not be less than 105% of the total
premiums paid (excluding GST, extra premium and rider premiums, if any).
-The actual allocation to policyholders, out of the surplus emerging from the
actuarial investigation, shall be as approved by Central Government in accordance
with provisions in this regard under LIC Act, 1956.
17. GRIEVANCE REDRESSAL MECHANISM
Of the Corporation:
The Corporation has Grievance Redressal Officers (GROs) at Branch/ Divisional/
Zonal/ Central Office to redress grievances of customers. The customers can visit
our website (https://licindia.in/web/guest/grievances) for names and contact
details of the GROs and other information related to grievances.
For ensuring quick redressal of customer grievances the Corporation has
introduced Customer friendly Integrated Complaint Management System
through our Customer Portal (website) http://www.licindia.in, where a
registered policy holder can directly register complaint/ grievance and track its
status. Customers can also contact at e-mail id co_complaints@ licindia.com for
redressal of any grievances.
Claimants not satisfied with the decision of death claim repudiation have the option
of referring their cases for review to Zonal Office Claims Dispute Redressal Committee
or Central Office Claims Dispute Redressal Committee. A retired High Court/ District
Court Judge is member of each of the Claims Dispute Redressal Committees.
Of IRDAI:
In case the customer is not satisfied with the response or do not receive
the response from us within 15 days, then the customer may approach the
Policyholder’s Protection and Grievance Redressal Department through any of
the following modes:
i) Calling Toll Free Number 155255/18004254732(i.e. IRDAI Grievance Call Centre-
(BIMA BHAROSA SHIKAYAT NIVARAN KENDRA))
ii) Sending an email to complaints@irdai.gov.in
iii) Register the complaint online at https://bimabharosa.irdai.gov.in/
iv) Address for sending the complaint through courier/letter:
General Manager, Policyholders Protection and Grievance Redressal Department,
Insurance Regulatory and Development Authority of India, Survey No. 115/1,
Financial District, Nanakramguda, Gachibowli, Hyderabad-500032, Telangana.
Of Ombudsman:
For redressal of Claims related grievances, claimants can also approach Insurance
Ombudsman who provides for low cost and speedy arbitration to customers.
Section 45 of Insurance Act, 1938
The provision of Section 45 of the Insurance Act, 1938 shall be as amended from
time to time. The current provision is as under:
(1) No policy of life insurance shall be called in question on any 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 date of commencement of risk or the date of revival
of the policy or the date of the rider to the policy, whichever is later.
(2) A policy of life insurance may be called in question at any time within three years
from the date of issuance of the policy or the date of commencement of risk or
the date of revival of the policy or the date of the rider to the policy, whichever
is later on the ground of fraud:

22
 Provided that the insurer shall have to communicate in writing to the insured or
the legal representatives or nominees or assignees of the insured the grounds
and materials on which such decision is based.
Explanation I- For the purposes of this sub-section, the expression “fraud” means
any of the following acts committed by the insured or by his agent, with the intent to
deceive the insurer or to induce the insurer to issue a life insurance policy:-
(a) the suggestion, as a fact of that which is not true and which the insured does not
believe to be true;
(b) the active concealment of a fact by the insured having knowledge or belief of the fact;
(c) any other act fitted to deceive; and
(d) any such act or omission as the law specially declares to be fraudulent.
Explanation II- Mere silence as to facts likely to affect the assessment of the
risk by the insurer is not fraud, unless the circumstances of the case are such
that regard being had to them, it is the duty of the insured or his agent, keeping
silence to speak, or unless his silence is, in itself, equivalent to speak.
(3) Notwithstanding anything contained in subsection (2), no insurer shall repudiate
a life insurance policy on the ground of fraud if the insured can prove that the
misstatement of or suppression of a material fact was true to the best of his
knowledge and belief or that there was no deliberate intention to suppress the
fact or that such misstatement of or suppression of a material fact are within the
knowledge of the insurer:
Provided that in case of fraud, the onus of disproving lies upon the beneficiaries,
in case the policyholder is not alive.
Explanation – A person who solicits and negotiates a contract of insurance shall
be deemed for the purpose of the formation of the contract, to be the agent of
the insurer.
(4) A policy of life insurance may be called in question at any time within three years
from the date of issuance of the policy or the date of commencement of risk or
the date of revival of the policy or the date of the rider to the policy, whichever is
later, on the ground that any statement of or suppression of a fact material to the
expectancy of the life of the insured was incorrectly made in the proposal or other
document on the basis of which the policy was issued or revived or rider issued:
Provided that the insurer shall have to communicate in writing to the insured or
the legal representatives or nominees or assignees of the insured the grounds and
materials on which such decision to repudiate the policy of life insurance is based:
Provided further that in case of repudiation of the policy on the ground of
misstatement or suppression of a material fact, and not on the ground of fraud
the premiums collected on the policy till the date of repudiation shall be paid to
the insured or the legal representatives or nominees or assignees of the insured
within a period of ninety days from the date of such repudiation.
Explanation - For the purposes of this sub-section, the misstatement of or
suppression of fact shall not be considered material unless it has a direct bearing
on the risk undertaken by the insurer, the onus is on the insurer to show that had
the insurer been aware of the said fact no life insurance policy would have been
issued to the insured.
(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 shall be deemed to be called in
question merely because the terms of the policy are adjusted on subsequent
proof that the age of the life insured was incorrectly stated in the proposal.

PROHIBITION OF REBATES (SECTION 41 OF THE INSURANCE ACT, 1938)

1) No person shall allow or offer to allow, either directly or indirectly, as an
inducement to any person to take out or renew or continue an insurance in
respect of any kind of risk relating to lives or property in India, any rebate of the
whole or part of the commission payable or any rebate of the premium shown
on the policy, nor shall any person taking out or renewing or continuing a policy
accept any rebate, except such rebate as may be allowed in accordance with the
published prospectuses or tables of the insurer.

23
2) Any person making default in complying with the provisions of this section shall
be liable for a penalty which may extend to ten lakh rupees.

Various Sections of the Insurance Act, 1938, applicable to LIC to apply as

amended from time to time.
This product brochure gives only salient features of the plan. For further details
please refer to the Policy document on our website www.licindia.in or contact
our nearest Branch Office.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAIor its officials do not involve in any activities of insurance business like
selling insurance policies, announcing bonus or investment of premiums,
refunds of amounts. Policyholders or the prospects receiving such phone calls
are requested to lodge a police complaint.

LIFE INSURANCE CORPORATION OF INDIA

“Life Insurance Corporation of India” was established on 1st September, 1956
under Life Insurance Corporation Act, 1956, with the objective of spreading life
insurance more widely, in particular to the rural areas with a view to reaching
all insurable persons in the country and providing them adequate financial cover
against insured events. LIC continues to be the important life insurer even in
the liberalized scenario of Indian insurance and is moving fast on a new growth
trajectory surpassing its own past records. In its existence of over six decades,
LIC has grown from strength to strength in various areas of operation.

24
 Registered Office:
Life Insurance Corporation of India,
Central Office,
Yogakshema, Jeevan Bima Marg, Mumbai – 400021.
Website: www.licindia.in
Registration Number: 512

25