Example:

Age: 30 years. S.A.10,000/- PPT: 15Years

Option-1, Premium 64,300/-

In case of Death at

Age 34 i.e. 5th year

Premium stops

Age :45

Age :47(End of 18th year)

Servival Benefits

Surrender at age 100

= 10% of Basic SA i.e.Rs. 1,00,000/- Every Year

Servival Benefits

= 100% of Basic Sum Assured+Guarenteed Addition.

= Rs.10,00,000 + Rs.6,00,000/-(40*1000*15) =16,00,000/-

Death Benefits

=SA on Death + GA for 5 years

= Rs.10,00,000 + Rs.2,00,000/-(40*1000*5) =12,00,000/-

In case Term Rider is opted for Rs 10,00,000/- : Additional10,00,000/- will be paid.