actuarial department, central office, ‘yogakshema ... 2012.pdf · actuarial department, central...

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Actuarial Department, Central Office, ‘Yogakshema’, Nariman Point, Mumbai 400 021 Tel: 022-22852174 / 66598370, Fax: 022-22028321

Ref: Actuarial/Valuation/2203/4 1st September 2012

To,

All HODs in Central Office

All Zonal Offices

All Divisional Offices

All Branch Offices (through Divisional Offices)

MDC, ZTCs, Audit & Inspection Departments, NIA

Results of Valuation as at 31st March 2012

1. Introduction

The Valuation of the Corporation's Business as on 31st March 2012 has been completed and

the bonuses in respect of participating policies have been declared as a result thereof. The

following instructions regarding Simple Reversionary Bonus, Interim Bonus, Final

(Additional) Bonus and Loyalty Additions will apply to participating policies (as per details

below), other than policies on UK, Fiji and Mauritius Registers.

2. Bonus Rates

a) The rates of Simple Reversionary Bonus, and Interim Bonus declared in respect of

participating policies issued by the Corporation and also those issued by erstwhile insurers

before 19/01/1956 (excluding those on UK, Fiji and Mauritius Registers) are as given in

Table 1 and Table 2 respectively.

Table 1: Simple Reversionary and Interim Bonus Rates

Group Plan

Term

Reversionary Bonus Rate %o Sum

Assured (**)

Interim Bonus Rate %o Sum

Assured (**) (*)

1 Whole Life type (Plans 2, 5, 6, 8, 10, 28 (Before Conversion), 35, 36, 37, 38, 49,77,78, 85 & 86)

70 70

2 Endowment type (Plans 14, 17, 27 (After Conversion), 28 (After Conversion), 34, 39 40, 41, 42, 50, 54, 79, 80, 81, 84, 87, 90, 91, 92, 95, 101, 102, 103, 109, 110 & 121)

< 11 34 34

11 to 15 38 38

16 to 20 42 42

> 20 48 48

2

Group Plan

Term


Assured (**)


Assured (**)

3 Money Back and Anticipated Endowment Assurances (Plans 24, 25, 26, 73, 74, 75, 76 & 93)

12 & 15 32 32

20 39 39

25 44 44 4 Jeevan Surabhi (Plans 106, 107 & 108) 15 34 34

20 41 41

25 50 50

5 Jeevan Mitra (Double Cover plan), Jeevan Saathi, Limited Premium Endowment (Plans 88, 89, 48)

<16 40 40

16 to 20 44 44

> 20 48 48

6 Jeevan Mitra (Triple Cover Plan: Plan 133 ) <16 40 40

16 to 20 45 45

> 20 50 50

7 Jeevan Anand (Plan 149) <11 36 36

11 to 15 39 39

16 to 20 43 43

>20 47 47

8 Jeevan Rekha (Plan 152) < 11 49 49

11 to 15 44 44

16 to 20 40 40

> 20 34 34

9 Jeevan Anurag (Plan 168) < 11 38 38

11 to 15 40 40

16 to 20 42 42

> 20 44 44

10 New Jeevan Suraksha – I (Plan 147) < 6 21 21

6 to 10 27 27

11 to 15 31 31

>15 35 35

11 New Jeevan Dhara - I (Plan 148) < 6 20 20

6 to 10 25 25

11 to 15 28 28

>15 32 32

12 Jeevan Tarang (Plan 178) 10 46 46

15 46 46

20 48 48

13 Jeevan Madhur (Plan 182) < 11 21 21

11 – 15 26 26

14 Child Career Plan (Plan 184) 11 – 15 34 34

16 -20 38 38

> 20 40 40

15 Child Future Plan (Plan 185) 11 – 15 38 38

16 – 20 42 42

> 20 44 44

16 Jeevan Bharati (Plan 160) 15 38 38

20 40 40

17 Jeevan Shree – I (Plan 162) 10 & 15 42 42

20 46 46

25 50 50

3

Group Plan

Term


Assured (**)


Assured (**)

18 Jeevan Nidhi ( Plan 169)

<11 32 32

11 - 15 34 34

16 - 20 36 36

> 20 38 38

19 Jeevan Pramukh (Plan 167) 10 & 15 44 44

20 48 48

25 52 52

20 Jeevan Amrit (Plan 186)

10 – 15 30 30

16 – 20 30 30

> 20 30 30

21 Jeevan Bharati I (Plan 192) 15 29 29

20 31 31

(*) Premium Paying Term in case of Jeevan Anand (Plan 149) & Jeevan Rekha (Plan 152);

Accumulation period in case of Jeevan Tarang (Plan 178);

Deferment Period in case of New Jeevan Suraksha – I (Plan 147), New Jeevan Dhara - I (Plan

148) & Jeevan Nidhi (Plan 169);

(**) In case of New Jeevan Suraksha – I (Plan 147) and New Jeevan Dhara – I (Plan 148), bonus

rates are per thousand Cash Option. In case of Jeevan Madhur (Plan 182), bonus rates are per

thousand death benefit Sum assured. In case of Jeevan Amrit Plan, bonus rates are per thousand

premium(s) paid.

b) The above reversionary bonus rates are applicable for policy year entered upon

during the inter valuation period i.e. 01/04/2011 to 31/03/2012 and in force for full sum

assured as on 31/03/2012. It would apply to policies resulting into claims by death or

maturity (including those discounted within one year of maturity) or surrendered on or

after 01/01/2013.

c) The above interim bonus rates are applicable to policies in respect of each policy year

entered upon after 31/03/2012 and result into claims by death or maturity (including

those discounted within one year of maturity) or are surrendered during the period

commencing from 01/01/2013 and ending 9 months from the date of next valuation.

d) No cash bonus has been declared in respect of New Jeevan Akshay - I (Plan 146).

e) For General Annuity / Pension policies (Plans 147, 148 & 169), the bonus rates are

applicable only during the deferment period. The bonus rates in case of Plan 147 & 148

are not applicable for policies exiting by death during the deferment period. However,

cash value of bonuses is payable in case of surrenders during the deferment period.

f) No bonus has been declared for any other General Annuity or Pension plans.

g) Policies issued by erstwhile insurers: In respect of policies issued by erstwhile

insurers on or before 19/01/1956, the rates of Simple Reversionary Bonus would be as

shown below, on the basis of the respective bonus group indices. It may be noted that

the bonus rates for policies with Group Index 0 to 9 would be the same as that

applicable to policies issued by the Corporation (Group Index 10), for the Valuation as at

31/03/1986 onwards.

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Table 2: Simple Reversionary Rates for policies issued by erstwhile insurers

Group Index Bonus per thousand Sum Assured per annum

Whole Life Assurance Endowment Assurance

49 343.00 -

25 175.00 120.00

23 161.00 110.40

21 147.00 100.80

20 140.00 96.00

19 133.00 91.20

18 126.00 86.40

17 119.00 -

16 112.00 76.80

15 105.00 72.00

14 98.00 67.20

13 91.00 62.40

12 84.00 57.60

11 77.00 52.80

10 70.00 48.00

0 to 9 70.00 48.00

h) With profit policies transferred from the UK, Fiji & Mauritius Branch Registers and also

those from LIC (International) BSC (Closed) will be allowed bonus at the same rate as

applicable to corresponding plans on Indian Registers. Cash Back policies issued for term 18

by LIC (International) BSC (Closed) will be allowed bonus rate as applicable to 15 year

Money Back policies.

3. VESTING OF BONUS

a) The bonuses declared will vest in such policies provided they have been in-force for the

full sum assured for a period of 3 years from the date of commencement and are on the

books of the Corporation either for full sum assured or in force as on 31.03.2012, with the

exceptions mentioned in paras (b) and (c) below. Further, the above condition shall not

apply to policies, where by reason of death occurring at any time within the said period of 3

years, claims are payable for full sum assured along with all attached bonuses subject to any

special conditions on vesting of bonuses as applicable to that plan.

b) Under individual annuity or pension policies, bonuses will vest provided the policies have

been in force for full sum assured / notional cash option, for a period of at least 2 years from

the date of commencement and two full years’ premiums have been paid.

c) Under Jeevan Amrit Plan (Table No. 186) bonuses will vest under the policy provided at

least one year’s premiums have been paid and the policy has been in force for a period of at

least one year from the date of commencement.

d) In case of policies which become reduced paid-up after the date of valuation but before

the payment of all the installments of premium for the policy year current as at the date of

Valuation, only proportionate bonus is to be allowed in respect of that policy year.

If a participating policy had become reduced paid-up during the period 01.04.2011 to

31.03.2012, (i.e., it was in force for full sum assured as on 31.03.2011 but is in reduced paid

up condition as at 31.03.2012) and if the policy had been in force for full sum assured for a

period of at least 3 years from its date of commencement, then the bonuses will vest under

such a policy at the rates applicable for the period in which it was in force for full sum

assured.

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e) Under New Jana Raksha (with profit) policy, if at least two years' premiums have been

paid and any subsequent premiums be not duly paid and if death occurs during the period of

3 years from the due date of the first unpaid premium but within 3 years from the date of

commencement of the policy, the above condition of vesting of bonus will not apply. The

bonuses under such policies shall be payable with reference to the number of years for which

premiums have been paid.

f) Under Jeevan Madhur (Plan No.182), Child Career Plan (Plan No. 184) and Child future

Plan (Plan No.185), if at least two years' premiums have been paid and any subsequent

premiums be not duly paid and if death occurs during the period of 2 years from the due

date of the first unpaid premium (Auto cover period) but within 3 years from the date of

commencement of the policy, the above condition of vesting of bonus will not apply. The

bonuses under such policies shall be payable with reference to the number of years for which

premiums have been paid.

g) Without profit policies converted to with-profit will participate in profits from the policy

anniversary coinciding with the date of conversion i.e. for determining the number of years

of bonus payable, the period will be reckoned from the date of conversion. However,

bonuses on such policies will vest subject to conditions mentioned above. In respect of

conversion on or before 31/12/1998, the qualifying period of 3 years will be reckoned from

the date of commencement and the term for determining the Bonus rate will be reckoned

from the date of commencement. For conversion from 01/01/1999 onwards, the qualifying

period of 3 years for vesting of bonus, the term for determining the bonus rate and the

number of years' bonus will be reckoned from the date of conversion.

h) In respect of Children Plans the following provisions shall apply:

Table 3 – Bonus Provisions in respect of Children Plans and Jeevan Tarang Plan Sl. No.

Plans Participate from

Term to be used for arriving Bonus rates

(1) CDA Limited Payment Whole Life(Plans 35 to 38 & 49)

The deferred date

For policies vested on or before 31-12-1998

For policies vesting after 31-12-1998

CD Endowment Assurance (Plans 39 to 42 & 50)

The Bonus rate will be determined with reference to the policy term counted from the date of commencement of the policy.

The Bonus rate will be determined with reference to the policy term counted from the deferred date. CAP Policy ( Plan 80 & 81)

(2) New CDA Policy (Plan92) The date of commencement of risk

The Bonus rate will be determined with reference to the policy term counted from the date of commencement of risk.

(3) Jeevan Balya policy (Plan 101)

The Vesting date

The Bonus rate will be determined with reference to the policy term counted from the vesting date.

(4) Jeevan Kishore (Plan 102) Jeevan Sukanya ( Plan 109) Child Career Plan (Plan 184) Child Future Plan ( Plan 185 ) ##Jeevan Tarang (Plan 178)

The date of commencement of Policy.

The Bonus rate will be determined with reference to the policy term counted from the date of commencement of policy. Bonuses will vest under the policy at the policy anniversary at which risk commences or after completion of 3 policy years whichever is later.

Note: (## In case of Jeevan Tarang where age at entry of the life assured is less

than or equal to 12 years nearest birthday then conditions as per para 3 h) (4) is

applicable otherwise para 3 a) is applicable

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4. INTERIM BONUS

Interim Bonuses at the rates specified in Table 1 above are also declared in respect of the

following policies for the period specified against each:-

a) For all participating policies becoming claims by death or maturity or discounted (i.e.

surrendered within one year preceding the date of maturity) during the period commencing

January 1, 2013 and ending 9 months from the date of next valuation in respect of each

policy year entered upon after March 31, 2012 provided the policies are in force for the full

sum assured as on the date of claim or discount as the case may be.

b) For all participating policies which are surrendered (excluding discounted claims, i.e.

those policies which are surrendered within one year of maturity) during the period

commencing 1st January 2013 and ending 9 months following the date of next valuation in

respect of each policy year entered upon after 31st March 2012 provided such policies are

entitled to participate in profits as on the date of next valuation.

c) The Interim Bonus rates declared under Table 1 would also be applicable to those

policies issued on or after 01/04/2012 and resulting in to death claim during the period

commencing from 01/01/2013 and ending 9 months from the date of next valuation in

respect of each policy year entered upon after 31st March 2012 provided such policies are

entitled to participate in profits.

d) Entitlement to Interim Bonuses is further subject to the conditions mentioned under

Paragraph 3 above.

5. FINAL (ADDITIONAL) BONUS

(i) In addition to the Simple Reversionary Bonuses and Interim Bonuses, Final

(Additional) Bonus (FAB) have also been declared in respect of participating policies

resulting into claims by maturity or claim discounted (i.e., surrendered with one year

preceding the date of maturity) or death claims during the period commencing from

January 1, 2013 and ending 9 months from the date of next valuation (i.e. up to

31.12.2013), at the rates mentioned below, provided they are kept in force for full sum

assured till the date of maturity or the date of discounting or the date of death as the case

may be subject to the qualifying conditions being satisfied. It may be noted that the rates

of Final (Additional) Bonus are related to the sum assured group under the policy.

(ii) Plans of Groups 1, 2, 5 and 6 of Table 1

In case of Plans of Groups 1, 2 , 5 and 6 of Table 1 the Final (Additional) Bonuses as per

Table 4 is payable on maturity (including discounted claims) or in case of claims by death,

provided the policy is in full force and premiums have been paid for 15 years or more. The

rates of Final (Additional) Bonus are as follows:

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Table 4

Terms in respect of maturities, discounted maturity claims / Number of years’ premiums paid in respect of claims by death (#)

Amount of Final (Additional) Bonus per `̀̀̀ 1000/- Sum

Assured for policies with sum assured

Up to 25,000

25,001 to 50,000

50,001 to 1,99,999

2,00,000 and above

15 0 0 10 20

16 0 0 15 25

17 0 10 20 30

18 10 15 25 35

19 15 20 30 50

20 20 25 40 70

21 25 30 50 100

22 30 50 80 150

23 35 100 150 250

24 70 150 230 350

25 170 250 330 450

26 270 350 430 550

27 370 450 540 670

28 470 550 650 790

29 570 650 760 910

30 670 750 900 1100

31 800 900 1100 1300

32 950 1050 1300 1550

33 1100 1200 1550 1800

34 1250 1350 1700 2050

35 1400 1500 1850 2300

36 1550 1650 2050 2550

37 1700 1800 2250 2800

38 1850 1950 2500 3050

39 2000 2100 2750 3300

40 & above 2150 2500 3000 3550

(#) In the case of death claims under Single Premium / Fully Paid-up Limited Premium

Payment policies the number of years in the first column indicates the number of policy

years elapsed inclusive of the policy year in which the death takes place.

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(iii) Plans of Group 3 of Table 1

The Final (Additional) Bonuses as per Table 5 are applicable in respect of Plans of Group 3

of Table 1 and are payable at the following rates:

Table 5

Terms in respect of maturities, discounted maturity claims / Number of years’ premiums paid in case of premium paying policies, Duration** elapsed in case of fully paid up policies in respect of claims by death

Amount of Final (Additional) Bonus Per `̀̀̀

1000/- Sum Assured for policies with Sum Assured

Up to 25,000

25,001 to 50,000

50,001 to 1,99,999

2,00,000 & above

Below 15 0 0 0 0 15 – 19 0 0 15 20 20 0 10 30 40

21 – 24 10 20 30 40 25 40 150 175 225

** Duration = Policy anniversary following date of claim minus Date of commencement

(iv) Plans of Group 4 of Table 1

Table 6

Policy Term in respect of Maturities / Duration elapsed in

respect of claims by death

Amount of Final (Additional) Bonus Per ` ` ` ` 1000/- sum assured for policies with sum assured

Up to 25,000/-

25,001 to 50,000

50,001 to 1,99,999

2,00,000 and above

Below 15 0 0 0 0 15 – 19 0 0 20 30

20 40 50 75 100 21 - 22 40 80 100 125

** Duration = Policy anniversary following date of claim minus Date of commencement

(v) No final (additional) bonus has been declared in respect of Jeevan Akshay (Plan 97)

policies, Jeevan Dhara (Plan 96) policies (both on vesting and after vesting and on death),

Immediate Annuities (Plan 115), Deferred Annuities (Plan 116) and Jeevan Suraksha

Policies (Plan 122).

Notes:

1. In the case of policies with mode of payment of premiums other than yearly, unpaid

premiums if any, falling due before the policy anniversary are deducted from the claim

amount and hence they should be treated to have been received for this purpose.

2. In case of the Progressive Protection Policies which are in full force, the Final (Additional)

Bonus will be based on the sum assured in force on the date of death / maturity, subject to

other qualifying conditions mentioned above.

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3. For payment of Final additional bonuses - In case of Children's Deferred Assurance

Policies (Plans 35 to 42, 49, 50, 80 & 81), the term / duration at death will be reckoned

from the deferred date. In case of New Children's Deferred Assurance Policies (Plan 92), the

term / duration at death will be reckoned from the risk commencing date. In case of Jeevan

Balya (Plan 101), the term / duration at death would be reckoned from the vesting date. In

the case of Jeevan Kishore (Plan 102) and Jeevan Sukanya (Plan 109), the term or duration

at death would be reckoned from the date of commencement of the policy.

4. In case of multi-purpose policies in respect of death claims, the Final (Additional) Bonus

will be paid only at the end of the original term along with the Reversionary Bonus, subject

to other qualifying conditions mentioned above.

5. Where a non-participating policy has been altered to a participating policy, the period of

Final (Additional) Bonus both as regards death claims and maturity claims will be reckoned

from the date of such alteration.

6. In case of Convertible Whole Life Policy converted to With Profit Endowment Policy after

5 years, the period for Final (Additional) Bonus will be reckoned from the scheduled date of

conversion. In respect of Convertible Whole life With Profit Policy (Plan 28) the period will

be reckoned from the date of commencement of the policy.

7. In case of Marriage Endowment and Jeevan Chaya policies, in respect of death claim, the

final additional bonus will be paid at the end of the original term along with reversionary

bonuses subject to other qualifying conditions mentioned above.

8. In case of policies transferred from UK, Fiji and Mauritius branch registers and also those

from LIC (International) BSC (Closed), the term / duration at death for the purpose of Final

Additional Bonus will be reckoned from the actual date of transfer of policies to India.

9. The above rate of Final (Additional) Bonus and qualifying conditions will apply to

participating assurance policies of a similar nature issued by erstwhile insurers irrespective

of their bonus indices.

10. In case of doubt in respect of any special plan of any of the erstwhile insurers regarding

eligibility for Final (Additional) Bonus, reference may be made to Actuarial Department,

Central Office giving details of Plan, Benefits, etc.

11. In case of maturity claims, if no premiums have been paid during the last policy year,

but the policy was in force for full sum assured on the policy anniversary prior to the

maturity date, the claim is paid for full sum assured on the maturity date along with

reversionary and interim bonus subject to the deduction of the unpaid installments of

premium with interest, if any, for the last year of the Policy. Such policies will be eligible for

payment of Final (Additional) Bonus for full sum assured if other qualifying conditions stated

herein are satisfied.

12. Where a policyholder discounts the policy within one year preceding the date of

maturity, the policy will be eligible for Final (Additional) Bonus provided other qualifying

conditions are satisfied.

13. The policies for which death claim is payable as per Claims Concession Clause, the Final

(Additional) Bonus would be payable provided other qualifying conditions stated in this

circular are satisfied.

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6. LOYALTY ADDITIONS

a) Maturity and Death: Provided the policy is in full force the loyalty addition rates in

respect of the plans given below except in case of Jeevan Saral plan will apply to all eligible

policies on maturity or on discounting in the last year of maturity or on earlier death

wherever applicable as per the instruction issued by us in respect of each such plans. These

rates are applicable during the period commencing 01/01/2013 and ending 9 months from

the date of next valuation (i.e. up to 31/12/2013). For Jeevan Saral plan separate

instructions have been given on page 13 of this circular.

Table 7

* In case of plans Jeevan Vishwas (Plan 136) and Nav Prabhat (Plan 137) the loyalty

addition at the above rate is payable in case of maturity or death in the year of maturity.

Payable on death per `1000 sum assured

Plan Duration Loyalty Addition 136 5-15 40 137 ALL 45

Payable on maturity or death as a percentage of premiums (`) paid

Plan Term / Duration on

Death

Loyalty Addition

111 15 to 19 25% 20 35%

Payable on maturity per `1000 sum assured

Plan Term Loyalty Addition 135 11 250

135 12 300 135 13 350 135 14 400

135 15 500 136* 10-15 40

137* ALL 90 143 10 100

158 10 100 166 10 100 171 5 & 10 70

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Loyalty Addition payable on maturity or death per ` 1000 sum assured under plan 112 Term 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25

Duration on Death / Term on Maturity

9 40 30 20 10 10 10 10 10 10 10 10 10 10 10 10 10

10 70 55 45 35 30 25 20 15 15 15 15 10 10 10 10 10

11 105 70 55 40 25 25 20 20 20 20 15 15 15 15 15

12 140 90 65 45 40 35 30 25 25 20 20 20 20 20

13 175 105 80 70 60 50 40 40 30 30 30 30 25

14 210 160 120 90 70 55 50 45 40 40 40 40

15 250 180 150 120 90 70 65 60 55 50 50

16 345 250 190 140 105 90 80 70 65 60

17 450 300 200 145 120 100 85 70 70

18 560 350 200 150 125 105 85 85

19 680 260 200 150 125 105 105

20 810 260 200 150 125 125

Payable on maturity or death (after commencement of risk) per ` 1000 sum

assured Plan Duration

Elapsed Loyalty Addition

113 Up to 11 NIL 12 10 13 15 14 20 15 30 16 40 17 50 18 65 19 80 20 100

Loyalty Addition payable on maturity or death per ` 1000 sum assured

Plan 124 125 126 128 Duration

13 10 14 25 10 10 10 15 30 20 15 15 16 30 15 20 17 40 20 30 18 45 25 40

Under Jeevan Sneha (Plan 128), policyholders have an option to avail the survival

benefit any time on or after its due date. No loyalty addition is payable to such

policyholders who have anytime during the currency of the policy have opted for the

deferment of survival benefit.

12

Loyalty Addition payable on maturity or death as a percentage of premiums (`) paid – Plan 150

Term 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Duration

on Death / Term on Maturity

7 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 8 4% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 3% 9 5% 4% 4% 4% 4% 4% 4% 4% 4% 4% 4% 4% 4% 4% 4% 4% 10 20% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5%

11 20% 6% 6% 6% 6% 6% 6% 6% 6% 6% 6% 6% 6% 6% 6%

12 20% 6% 6% 6% 6% 6% 6% 6% 6% 6% 6% 6% 6% 6%

13 25% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7% 7%

Loyalty Addition payable on maturity or death per ` 1000 sum assured

Plan 154 155 156 157 Duration on

Death / term on Maturity

7 25 25 25 30 8 30 30 30 35 9 40 40 40 40

10 50 50 50 50 11 80 70 60 60 12 120 100 70 70

Loyalty Addition Payable on maturity or death per ` 1000 sum assured

Plan 159 151-10 151-15 151-20 151-25 Duration on

Death / Term on Maturity

4 25 5 30 6 35 7 40 8 45 9 55 70 40 40 35 10 65 130 45 45 40 11 75 50 50 45 12 90 60 55 50 13 75 70 65

In case of Komal Jeevan (Plan 159), loyalty addition is payable on death after the commencement of risk.

13

Payable on exit, by maturity/death/surrender per ` 1000 maturity sum assured for the corresponding duration for which the policy is in force provided that at

least 10 full year’s premiums have been paid Plan Duration Loyalty Addition 165 10 250

11 300

Under Jeevan Saral (Plan 165), provided 10 full years premiums have been paid and

the policy has been in force for at least 10 years, loyalty addition is payable on

maturity or earlier death for the complete duration for which the premiums have

been paid.

Provided further that if death claim occurs in the 10th year of the policy and the

policy is in full force loyalty addition is payable.

If the policy is surrendered after completion of 10 years, provided 10 full years

premiums have been paid under the policy, loyalty addition is payable for the

complete duration for which the premiums have been paid.

In case the policy has been partially surrendered and the basic premium under the

policy has been reduced, the loyalty addition at the declared rate shall be calculated

on such reduced maturity sum assured.

Payable at maturity/death in the year of maturity Plan Term Single Premium Band

(`) Amount of Loyalty

Addition (`)

195 5 Up to 99999 100 100000 to 149999 1000 150000 to 249999 3000 250000 to 349999 6000

Above 349999 10000

* In case of Bima Kiran (Table No. 111), if death occurs in 15th policy year, loyalty

addition is payable provided policy is in force for full sum assured and premiums are

recovered for 15th policy year.

No Loyalty Additions have been declared for any other Plans

b) Surrender: No Loyalty Addition is payable for policies surrendered except Jeevan Saral

(Plan 165) in the manner as explained above.

Notes:

1. In the case of policies with mode of payment of premiums other than yearly, unpaid

premiums if any, falling due before the policy anniversary are deducted from the

claim amount payable on death and hence they should be treated to have been

received for this purpose. 2. In case of maturity claims, if no premiums have been paid during the last policy

year, but the policy was in force for full sum assured on the policy anniversary prior

to the maturity date, the claim is paid for full sum assured on the maturity date

along with Guaranteed Additions, reversionary and interim bonus (if any) subject to

the deduction of the unpaid installments of premium with interest, if any, for the last

14

year of the Policy. Such policies will be eligible for payment of Loyalty Additions for

full sum assured if other qualifying conditions stated herein are satisfied.

3. Where a policyholder discounts the policy within one year preceding the date of

maturity, the policy will be eligible for Loyalty Additions provided other qualifying

conditions are satisfied. 4. The policies for which death claim is payable as per Claims Concession Clause, the

Loyalty additions would be payable provided other qualifying conditions stated in this

circular are satisfied.

7. Additional interest under Bima Account

No additional interest rates have been declared under Bima Account I (Plan 805)

and Bima Account II (Plan 806).

CHIEF (ACTUARIAL)

2012

BONUS CHART FOR TABLE NOS. 02,05,06,08,10,35,36,37,38,49,77, 78, 85, AND 86

1956 3075.00 ( 56 ) 3092.50 ( 57 ) 3090.00 ( 56 ) 3107.50 ( 57 ) 3110.00 ( 56 ) 3127.50 ( 57 )

1957 3059.00 ( 55 ) 3076.50 ( 56 ) 3074.00 ( 55 ) 3091.50 ( 56 ) 3094.00 ( 55 ) 3111.50 ( 56 )

1958 3043.00 ( 54 ) 3060.50 ( 55 ) 3058.00 ( 54 ) 3075.50 ( 55 ) 3078.00 ( 54 ) 3095.50 ( 55 )

1959 3027.00 ( 53 ) 3044.50 ( 54 ) 3042.00 ( 53 ) 3059.50 ( 54 ) 3062.00 ( 53 ) 3079.50 ( 54 )

1960 3011.00 ( 52 ) 3028.50 ( 53 ) 3026.00 ( 52 ) 3043.50 ( 53 ) 3046.00 ( 52 ) 3063.50 ( 53 )

1961 2995.00 ( 51 ) 3012.50 ( 52 ) 3010.00 ( 51 ) 3027.50 ( 52 ) 3030.00 ( 51 ) 3047.50 ( 52 )

1962 2979.00 ( 50 ) 2996.50 ( 51 ) 2994.00 ( 50 ) 3011.50 ( 51 ) 3014.00 ( 50 ) 3031.50 ( 51 )

1963 2961.50 ( 49 ) 2979.00 ( 50 ) 2976.50 ( 49 ) 2994.00 ( 50 ) 2996.50 ( 49 ) 3014.00 ( 50 )

1964 2941.50 ( 48 ) 2961.50 ( 49 ) 2956.50 ( 48 ) 2976.50 ( 49 ) 2976.50 ( 48 ) 2996.50 ( 49 )

1965 2919.50 ( 47 ) 2941.50 ( 48 ) 2934.50 ( 47 ) 2956.50 ( 48 ) 2954.50 ( 47 ) 2976.50 ( 48 )

1966 2896.50 ( 46 ) 2919.50 ( 47 ) 2911.50 ( 46 ) 2934.50 ( 47 ) 2931.50 ( 46 ) 2954.50 ( 47 )

1967 2873.50 ( 45 ) 2896.50 ( 46 ) 2888.50 ( 45 ) 2911.50 ( 46 ) 2908.50 ( 45 ) 2931.50 ( 46 )

1968 2847.50 ( 44 ) 2873.50 ( 45 ) 2862.50 ( 44 ) 2888.50 ( 45 ) 2882.50 ( 44 ) 2908.50 ( 45 )

1969 2821.50 ( 43 ) 2847.50 ( 44 ) 2836.50 ( 43 ) 2862.50 ( 44 ) 2856.50 ( 43 ) 2882.50 ( 44 )

1970 2792.50 ( 42 ) 2821.50 ( 43 ) 2807.50 ( 42 ) 2836.50 ( 43 ) 2827.50 ( 42 ) 2856.50 ( 43 )

1971 2760.00 ( 41 ) 2792.50 ( 42 ) 2767.50 ( 41 ) 2807.50 ( 42 ) 2777.50 ( 41 ) 2827.50 ( 42 )

1972 2730.00 ( 40 ) 2760.00 ( 41 ) 2737.50 ( 40 ) 2767.50 ( 41 ) 2747.50 ( 40 ) 2777.50 ( 41 )

1973 2699.00 ( 39 ) 2730.00 ( 40 ) 2706.50 ( 39 ) 2737.50 ( 40 ) 2716.50 ( 39 ) 2747.50 ( 40 )

1974 2668.00 ( 38 ) 2699.00 ( 39 ) 2675.50 ( 38 ) 2706.50 ( 39 ) 2685.50 ( 38 ) 2716.50 ( 39 )

1975 2637.00 ( 37 ) 2668.00 ( 38 ) 2644.50 ( 37 ) 2675.50 ( 38 ) 2654.50 ( 37 ) 2685.50 ( 38 )

1976 2604.50 ( 36 ) 2637.00 ( 37 ) 2604.50 ( 36 ) 2644.50 ( 37 ) 2604.50 ( 36 ) 2654.50 ( 37 )

1977 2572.50 ( 35 ) 2604.50 ( 36 ) 2572.50 ( 35 ) 2604.50 ( 36 ) 2572.50 ( 35 ) 2604.50 ( 36 )

1978 2534.50 ( 34 ) 2572.50 ( 35 ) 2534.50 ( 34 ) 2572.50 ( 35 ) 2534.50 ( 34 ) 2572.50 ( 35 )

1979 2496.50 ( 33 ) 2534.50 ( 34 ) 2496.50 ( 33 ) 2534.50 ( 34 ) 2496.50 ( 33 ) 2534.50 ( 34 )

1980 2454.50 ( 32 ) 2496.50 ( 33 ) 2454.50 ( 32 ) 2496.50 ( 33 ) 2454.50 ( 32 ) 2496.50 ( 33 )

1981 2414.50 ( 31 ) 2454.50 ( 32 ) 2414.50 ( 31 ) 2454.50 ( 32 ) 2414.50 ( 31 ) 2454.50 ( 32 )

1982 2367.00 ( 30 ) 2414.50 ( 31 ) 2367.00 ( 30 ) 2414.50 ( 31 ) 2367.00 ( 30 ) 2414.50 ( 31 )

1983 2319.50 ( 29 ) 2367.00 ( 30 ) 2319.50 ( 29 ) 2367.00 ( 30 ) 2319.50 ( 29 ) 2367.00 ( 30 )

1984 2259.50 ( 28 ) 2319.50 ( 29 ) 2259.50 ( 28 ) 2319.50 ( 29 ) 2259.50 ( 28 ) 2319.50 ( 29 )

1985 2200.50 ( 27 ) 2259.50 ( 28 ) 2200.50 ( 27 ) 2259.50 ( 28 ) 2200.50 ( 27 ) 2259.50 ( 28 )

1986 2133.50 ( 26 ) 2200.50 ( 27 ) 2133.50 ( 26 ) 2200.50 ( 27 ) 2133.50 ( 26 ) 2200.50 ( 27 )

1987 2059.00 ( 25 ) 2133.50 ( 26 ) 2059.00 ( 25 ) 2133.50 ( 26 ) 2059.00 ( 25 ) 2133.50 ( 26 )

1988 1979.50 ( 24 ) 2059.00 ( 25 ) 1979.50 ( 24 ) 2059.00 ( 25 ) 1979.50 ( 24 ) 2059.00 ( 25 )

1989 1897.50 ( 23 ) 1979.50 ( 24 ) 1897.50 ( 23 ) 1979.50 ( 24 ) 1897.50 ( 23 ) 1979.50 ( 24 )

1990 1813.00 ( 22 ) 1897.50 ( 23 ) 1813.00 ( 22 ) 1897.50 ( 23 ) 1813.00 ( 22 ) 1897.50 ( 23 )

1991 1727.00 ( 21 ) 1813.00 ( 22 ) 1727.00 ( 21 ) 1813.00 ( 22 ) 1727.00 ( 21 ) 1813.00 ( 22 )

1992 1641.00 ( 20 ) 1727.00 ( 21 ) 1641.00 ( 20 ) 1727.00 ( 21 ) 1641.00 ( 20 ) 1727.00 ( 21 )

1993 1555.00 ( 19 ) 1641.00 ( 20 ) 1555.00 ( 19 ) 1641.00 ( 20 ) 1555.00 ( 19 ) 1641.00 ( 20 )

1994 1471.00 ( 18 ) 1555.00 ( 19 ) 1471.00 ( 18 ) 1555.00 ( 19 ) 1471.00 ( 18 ) 1555.00 ( 19 )

1995 1383.00 ( 17 ) 1471.00 ( 18 ) 1383.00 ( 17 ) 1471.00 ( 18 ) 1383.00 ( 17 ) 1471.00 ( 18 )

1996 1297.00 ( 16 ) 1383.00 ( 17 ) 1297.00 ( 16 ) 1383.00 ( 17 ) 1297.00 ( 16 ) 1383.00 ( 17 )

1997 1207.00 ( 15 ) 1297.00 ( 16 ) 1207.00 ( 15 ) 1297.00 ( 16 ) 1207.00 ( 15 ) 1297.00 ( 16 )

1998 1116.00 ( 14 ) 1207.00 ( 15 ) 1116.00 ( 14 ) 1207.00 ( 15 ) 1116.00 ( 14 ) 1207.00 ( 15 )

1999 1023.00 ( 13 ) 1116.00 ( 14 ) 1023.00 ( 13 ) 1116.00 ( 14 ) 1023.00 ( 13 ) 1116.00 ( 14 )

2000 928.00 ( 12 ) 1023.00 ( 13 ) 928.00 ( 12 ) 1023.00 ( 13 ) 928.00 ( 12 ) 1023.00 ( 13 )

2001 832.00 ( 11 ) 928.00 ( 12 ) 832.00 ( 11 ) 928.00 ( 12 ) 832.00 ( 11 ) 928.00 ( 12 )

2002 732.00 ( 10 ) 832.00 ( 11 ) 732.00 ( 10 ) 832.00 ( 11 ) 732.00 ( 10 ) 832.00 ( 11 )

2003 642.00 ( 9 ) 732.00 ( 10 ) 642.00 ( 9 ) 732.00 ( 10 ) 642.00 ( 9 ) 732.00 ( 10 )

2004 562.00 ( 8 ) 642.00 ( 9 ) 562.00 ( 8 ) 642.00 ( 9 ) 562.00 ( 8 ) 642.00 ( 9 )

2005 486.00 ( 7 ) 562.00 ( 8 ) 486.00 ( 7 ) 562.00 ( 8 ) 486.00 ( 7 ) 562.00 ( 8 )

2006 420.00 ( 6 ) 486.00 ( 7 ) 420.00 ( 6 ) 486.00 ( 7 ) 420.00 ( 6 ) 486.00 ( 7 )

2007 350.00 ( 5 ) 420.00 ( 6 ) 350.00 ( 5 ) 420.00 ( 6 ) 350.00 ( 5 ) 420.00 ( 6 )

2008 280.00 ( 4 ) 350.00 ( 5 ) 280.00 ( 4 ) 350.00 ( 5 ) 280.00 ( 4 ) 350.00 ( 5 )

2009 210.00 ( 3 ) 280.00 ( 4 ) 210.00 ( 3 ) 280.00 ( 4 ) 210.00 ( 3 ) 280.00 ( 4 )

2010 140.00 ( 2 ) 210.00 ( 3 ) 140.00 ( 2 ) 210.00 ( 3 ) 140.00 ( 2 ) 210.00 ( 3 )

2011 70.00 ( 1 ) 140.00 ( 2 ) 70.00 ( 1 ) 140.00 ( 2 ) 70.00 ( 1 ) 140.00 ( 2 )

2012 70.00 ( 1 ) 70.00 ( 1 ) 70.00 ( 1 )

Note: 1) The figures in bracket indicate the number of years for which premiums have been paid.

2) The above includes one time bonus declared as per Valuation as at 31.03.1997and special

one-time bonus as per Valuation as at 31.3.2005.

3) Please refer the circular Actuarial/Valuation/2203/4 dated 1/9/2012 for eligibility conditions.

4) For the policies resulting into claims by death or maturity (including those discounted within

one year from maturity, wherever applicable) or are surrendered during the period 01.01.2013 to 31.12.2013, the

following interim bonus rates per ̀ 1000 S.A. are applicable : ` 70.00

VALUATION AS AT 31.03.2012

ANNEXURE I

YEAR OF

COMMEN

CEMENT

SUM ASSURED UPTO ` 25000 SUM ASSURED BETWEEN ` 25001

TO ` 50000

SUM ASSURED ABOVE ̀ 50000

APRIL TO DECEMBER JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

2012


BONUS CHART FOR TABLE NOS : 14,17,27,34,39,40,41,42,50,54,66,79,80,81,84,87,

90,91,92,95,101,102,103,109,110 AND 121

1956 2412.20 ( 56 ) 2426.20 ( 57 ) 2427.20 ( 56 ) 2441.20 ( 57 ) 2447.20 ( 56 ) 2461.20 ( 57 )

1957 2399.40 ( 55 ) 2413.40 ( 56 ) 2414.40 ( 55 ) 2428.40 ( 56 ) 2434.40 ( 55 ) 2448.40 ( 56 )

1958 2386.60 ( 54 ) 2400.60 ( 55 ) 2401.60 ( 54 ) 2415.60 ( 55 ) 2421.60 ( 54 ) 2435.60 ( 55 )

1959 2373.80 ( 53 ) 2387.80 ( 54 ) 2388.80 ( 53 ) 2402.80 ( 54 ) 2408.80 ( 53 ) 2422.80 ( 54 )

1960 2361.00 ( 52 ) 2375.00 ( 53 ) 2376.00 ( 52 ) 2390.00 ( 53 ) 2396.00 ( 52 ) 2410.00 ( 53 )

1961 2348.20 ( 51 ) 2362.20 ( 52 ) 2363.20 ( 51 ) 2377.20 ( 52 ) 2383.20 ( 51 ) 2397.20 ( 52 )

1962 2335.40 ( 50 ) 2349.40 ( 51 ) 2350.40 ( 50 ) 2364.40 ( 51 ) 2370.40 ( 50 ) 2384.40 ( 51 )

1963 2321.40 ( 49 ) 2335.40 ( 50 ) 2336.40 ( 49 ) 2350.40 ( 50 ) 2356.40 ( 49 ) 2370.40 ( 50 )

1964 2305.40 ( 48 ) 2321.40 ( 49 ) 2320.40 ( 48 ) 2336.40 ( 49 ) 2340.40 ( 48 ) 2356.40 ( 49 )

1965 2287.40 ( 47 ) 2305.40 ( 48 ) 2302.40 ( 47 ) 2320.40 ( 48 ) 2322.40 ( 47 ) 2340.40 ( 48 )

1966 2268.40 ( 46 ) 2287.40 ( 47 ) 2283.40 ( 46 ) 2302.40 ( 47 ) 2303.40 ( 46 ) 2322.40 ( 47 )

1967 2249.40 ( 45 ) 2268.40 ( 46 ) 2264.40 ( 45 ) 2283.40 ( 46 ) 2284.40 ( 45 ) 2303.40 ( 46 )

1968 2227.80 ( 44 ) 2249.40 ( 45 ) 2242.80 ( 44 ) 2264.40 ( 45 ) 2262.80 ( 44 ) 2284.40 ( 45 )

1969 2206.20 ( 43 ) 2227.80 ( 44 ) 2221.20 ( 43 ) 2242.80 ( 44 ) 2241.20 ( 43 ) 2262.80 ( 44 )

1970 2181.60 ( 42 ) 2206.20 ( 43 ) 2196.60 ( 42 ) 2221.20 ( 43 ) 2216.60 ( 42 ) 2241.20 ( 43 )

1971 2153.50 ( 41 ) 2181.60 ( 42 ) 2161.00 ( 41 ) 2196.60 ( 42 ) 2171.00 ( 41 ) 2216.60 ( 42 )

1972 2127.90 ( 40 ) 2153.50 ( 41 ) 2135.40 ( 40 ) 2161.00 ( 41 ) 2145.40 ( 40 ) 2171.00 ( 41 )

1973 2101.30 ( 39 ) 2127.90 ( 40 ) 2108.80 ( 39 ) 2135.40 ( 40 ) 2118.80 ( 39 ) 2145.40 ( 40 )

1974 2074.70 ( 38 ) 2101.30 ( 39 ) 2082.20 ( 38 ) 2108.80 ( 39 ) 2092.20 ( 38 ) 2118.80 ( 39 )

1975 2048.10 ( 37 ) 2074.70 ( 38 ) 2055.60 ( 37 ) 2082.20 ( 38 ) 2065.60 ( 37 ) 2092.20 ( 38 )

1976 2020.60 ( 36 ) 2048.10 ( 37 ) 2020.60 ( 36 ) 2055.60 ( 37 ) 2020.60 ( 36 ) 2065.60 ( 37 )

1977 1993.60 ( 35 ) 2020.60 ( 36 ) 1993.60 ( 35 ) 2020.60 ( 36 ) 1993.60 ( 35 ) 2020.60 ( 36 )

1978 1961.80 ( 34 ) 1993.60 ( 35 ) 1961.80 ( 34 ) 1993.60 ( 35 ) 1961.80 ( 34 ) 1993.60 ( 35 )

1979 1930.00 ( 33 ) 1961.80 ( 34 ) 1930.00 ( 33 ) 1961.80 ( 34 ) 1930.00 ( 33 ) 1961.80 ( 34 )

1980 1895.00 ( 32 ) 1930.00 ( 33 ) 1895.00 ( 32 ) 1930.00 ( 33 ) 1895.00 ( 32 ) 1930.00 ( 33 )

1981 1862.00 ( 31 ) 1895.00 ( 32 ) 1862.00 ( 31 ) 1895.00 ( 32 ) 1862.00 ( 31 ) 1895.00 ( 32 )

1982 1823.00 ( 30 ) 1862.00 ( 31 ) 1823.00 ( 30 ) 1862.00 ( 31 ) 1823.00 ( 30 ) 1862.00 ( 31 )

1983 1784.00 ( 29 ) 1823.00 ( 30 ) 1784.00 ( 29 ) 1823.00 ( 30 ) 1784.00 ( 29 ) 1823.00 ( 30 )

1984 1735.00 ( 28 ) 1784.00 ( 29 ) 1735.00 ( 28 ) 1784.00 ( 29 ) 1735.00 ( 28 ) 1784.00 ( 29 )

1985 1687.00 ( 27 ) 1735.00 ( 28 ) 1687.00 ( 27 ) 1735.00 ( 28 ) 1687.00 ( 27 ) 1735.00 ( 28 )

1986 1633.00 ( 26 ) 1687.00 ( 27 ) 1633.00 ( 26 ) 1687.00 ( 27 ) 1633.00 ( 26 ) 1687.00 ( 27 )

1987 1573.00 ( 25 ) 1633.00 ( 26 ) 1573.00 ( 25 ) 1633.00 ( 26 ) 1573.00 ( 25 ) 1633.00 ( 26 )

1988 1509.00 ( 24 ) 1573.00 ( 25 ) 1509.00 ( 24 ) 1573.00 ( 25 ) 1509.00 ( 24 ) 1573.00 ( 25 )

1989 1443.00 ( 23 ) 1509.00 ( 24 ) 1443.00 ( 23 ) 1509.00 ( 24 ) 1443.00 ( 23 ) 1509.00 ( 24 )

1990 1375.00 ( 22 ) 1443.00 ( 23 ) 1375.00 ( 22 ) 1443.00 ( 23 ) 1375.00 ( 22 ) 1443.00 ( 23 )

1991 1306.00 ( 21 ) 1375.00 ( 22 ) 1306.00 ( 21 ) 1375.00 ( 22 ) 1306.00 ( 21 ) 1375.00 ( 22 )

1992 1237.00 ( 20 ) 1306.00 ( 21 ) 1237.00 ( 20 ) 1306.00 ( 21 ) 1237.00 ( 20 ) 1306.00 ( 21 )

1993 1168.00 ( 19 ) 1237.00 ( 20 ) 1168.00 ( 19 ) 1237.00 ( 20 ) 1168.00 ( 19 ) 1237.00 ( 20 )

1994 1101.00 ( 18 ) 1168.00 ( 19 ) 1101.00 ( 18 ) 1168.00 ( 19 ) 1101.00 ( 18 ) 1168.00 ( 19 )

1995 1030.00 ( 17 ) 1101.00 ( 18 ) 1030.00 ( 17 ) 1101.00 ( 18 ) 1030.00 ( 17 ) 1101.00 ( 18 )

1996 961.00 ( 16 ) 1030.00 ( 17 ) 961.00 ( 16 ) 1030.00 ( 17 ) 961.00 ( 16 ) 1030.00 ( 17 )

1997 888.00 ( 15 ) 961.00 ( 16 ) 888.00 ( 15 ) 961.00 ( 16 ) 888.00 ( 15 ) 961.00 ( 16 )

1998 814.00 ( 14 ) 888.00 ( 15 ) 814.00 ( 14 ) 888.00 ( 15 ) 814.00 ( 14 ) 888.00 ( 15 )

1999 738.00 ( 13 ) 814.00 ( 14 ) 738.00 ( 13 ) 814.00 ( 14 ) 738.00 ( 13 ) 814.00 ( 14 )

2000 660.00 ( 12 ) 738.00 ( 13 ) 660.00 ( 12 ) 738.00 ( 13 ) 660.00 ( 12 ) 738.00 ( 13 )

2001 581.00 ( 11 ) 660.00 ( 12 ) 581.00 ( 11 ) 660.00 ( 12 ) 581.00 ( 11 ) 660.00 ( 12 )

2002 510.00 ( 10 ) 581.00 ( 11 ) 510.00 ( 10 ) 581.00 ( 11 ) 510.00 ( 10 ) 581.00 ( 11 )

2003 446.00 ( 9 ) 510.00 ( 10 ) 446.00 ( 9 ) 510.00 ( 10 ) 446.00 ( 9 ) 510.00 ( 10 )

2004 389.00 ( 8 ) 446.00 ( 9 ) 389.00 ( 8 ) 446.00 ( 9 ) 389.00 ( 8 ) 446.00 ( 9 )

2005 334.00 ( 7 ) 389.00 ( 8 ) 334.00 ( 7 ) 389.00 ( 8 ) 334.00 ( 7 ) 389.00 ( 8 )

2006 288.00 ( 6 ) 334.00 ( 7 ) 288.00 ( 6 ) 334.00 ( 7 ) 288.00 ( 6 ) 334.00 ( 7 )

2007 240.00 ( 5 ) 288.00 ( 6 ) 240.00 ( 5 ) 288.00 ( 6 ) 240.00 ( 5 ) 288.00 ( 6 )

2008 192.00 ( 4 ) 240.00 ( 5 ) 192.00 ( 4 ) 240.00 ( 5 ) 192.00 ( 4 ) 240.00 ( 5 )

2009 144.00 ( 3 ) 192.00 ( 4 ) 144.00 ( 3 ) 192.00 ( 4 ) 144.00 ( 3 ) 192.00 ( 4 )

2010 96.00 ( 2 ) 144.00 ( 3 ) 96.00 ( 2 ) 144.00 ( 3 ) 96.00 ( 2 ) 144.00 ( 3 )

2011 48.00 ( 1 ) 96.00 ( 2 ) 48.00 ( 1 ) 96.00 ( 2 ) 48.00 ( 1 ) 96.00 ( 2 )

2012 48.00 ( 1 ) 48.00 ( 1 ) 48.00 ( 1 )




3) Please refer the circular Actuarial/Valuation/2203 /4 dated 1/9/2012 for eligibility conditions.


one year from maturity, wherever applicable) or are surrendered during the period 01.01.2013 to 31.12.2013,

the following interim bonus rates per ` 1000 S.A. are applicable : ` 48.00

5 ) For Plan 92 the first column indicates the year of commencement of risk

ANNEXURE II

WITH POLICY TERM MORE THAN 20 YEARS

YEAR OF

COMMEN

CEMENT


TO ` 50000

SUM ASSURED ABOVE ` 50000

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

2012

BONUS CHART FOR TABLE NOS : 14,17,27,34,39,40,41,42,50,54,66,79,80,81,84,87,

90,91,92,95,101,102,103,109,110 AND 121

1992 1150.00 ( 20 )

1993 1081.00 ( 19 ) 1150.00 ( 20 )

1994 1014.00 ( 18 ) 1081.00 ( 19 )

1995 943.00 ( 17 ) 1014.00 ( 18 )

1996 874.00 ( 16 ) 943.00 ( 17 )

1997 801.00 ( 15 ) 874.00 ( 16 ) 730.00 ( 15 )

1998 730.00 ( 14 ) 801.00 ( 15 ) 661.00 ( 14 ) 730.00 ( 15 )

1999 659.00 ( 13 ) 730.00 ( 14 ) 594.00 ( 13 ) 661.00 ( 14 )

2000 588.00 ( 12 ) 659.00 ( 13 ) 529.00 ( 12 ) 594.00 ( 13 )

2001 516.00 ( 11 ) 588.00 ( 12 ) 463.00 ( 11 ) 529.00 ( 12 )

2002 451.00 ( 10 ) 516.00 ( 11 ) 405.00 ( 10 ) 463.00 ( 11 ) 356.00 ( 10 )

2003 393.00 ( 9 ) 451.00 ( 10 ) 354.00 ( 9 ) 405.00 ( 10 ) 312.00 ( 9 ) 356.00 ( 10 )

2004 342.00 ( 8 ) 393.00 ( 9 ) 309.00 ( 8 ) 354.00 ( 9 ) 274.00 ( 8 ) 312.00 ( 9 )

2005 292.00 ( 7 ) 342.00 ( 8 ) 264.00 ( 7 ) 309.00 ( 8 ) 235.00 ( 7 ) 274.00 ( 8 )

2006 252.00 ( 6 ) 292.00 ( 7 ) 228.00 ( 6 ) 264.00 ( 7 ) 204.00 ( 6 ) 235.00 ( 7 )

2007 210.00 ( 5 ) 252.00 ( 6 ) 190.00 ( 5 ) 228.00 ( 6 ) 170.00 ( 5 ) 204.00 ( 6 )

2008 168.00 ( 4 ) 210.00 ( 5 ) 152.00 ( 4 ) 190.00 ( 5 ) 136.00 ( 4 ) 170.00 ( 5 )

2009 126.00 ( 3 ) 168.00 ( 4 ) 114.00 ( 3 ) 152.00 ( 4 ) 102.00 ( 3 ) 136.00 ( 4 )

2010 84.00 ( 2 ) 126.00 ( 3 ) 76.00 ( 2 ) 114.00 ( 3 ) 68.00 ( 2 ) 102.00 ( 3 )

2011 42.00 ( 1 ) 84.00 ( 2 ) 38.00 ( 1 ) 76.00 ( 2 ) 34.00 ( 1 ) 68.00 ( 2 )

2012 42.00 ( 1 ) 38.00 ( 1 ) 34.00 ( 1 )







the following interim bonus rates per ` 1000 S.A. are applicable : ` 42.00 for term 16 to 20 years,

` 38.00 for term 11 to 15 years & ` 34.00 for term upto 10 years.

5 ) For Plan 92 the first column indicates the year of commencement of risk

APRIL TO

DECEMBER

JANUARY TO

MARCH

JANUARY TO

MARCH


ANNEXURE III

WITH POLICY TERM FROM 16 to 20, FROM 11 to 15 AND 10 YEARS & LESS

YEAR OF

COMMEN

CEMENT

TERM 16 TO 20 YEARS TERM 11 TO 15 YEARS TERM 10 YEARS AND LESS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

2012

BONUS CHART FOR TABLE NOS : 24,25,26,73,74,75,76 AND 93

1987 1497.00 ( 25 )

1988 1433.00 ( 24 ) 1497.00 ( 25 )

1989 1367.00 ( 23 ) 1433.00 ( 24 )

1990 1299.00 ( 22 ) 1367.00 ( 23 )

1991 1230.00 ( 21 ) 1299.00 ( 22 )

1992 1161.00 ( 20 ) 1230.00 ( 21 ) 1078.00 ( 20 )

1993 1092.00 ( 19 ) 1161.00 ( 20 ) 1009.00 ( 19 ) 1078.00 ( 20 )

1994 1025.00 ( 18 ) 1092.00 ( 19 ) 942.00 ( 18 ) 1009.00 ( 19 )

1995 956.00 ( 17 ) 1025.00 ( 18 ) 873.00 ( 17 ) 942.00 ( 18 )

1996 889.00 ( 16 ) 956.00 ( 17 ) 806.00 ( 16 ) 873.00 ( 17 )

1997 818.00 ( 15 ) 889.00 ( 16 ) 737.00 ( 15 ) 806.00 ( 16 ) 608.00 ( 15 )

1998 747.00 ( 14 ) 818.00 ( 15 ) 670.00 ( 14 ) 737.00 ( 15 ) 546.00 ( 14 ) 608.00 ( 15 )

1999 675.00 ( 13 ) 747.00 ( 14 ) 604.00 ( 13 ) 670.00 ( 14 ) 493.00 ( 13 ) 546.00 ( 14 )

2000 603.00 ( 12 ) 675.00 ( 13 ) 539.00 ( 12 ) 604.00 ( 13 ) 440.00 ( 12 ) 493.00 ( 13 )

2001 530.00 ( 11 ) 603.00 ( 12 ) 473.00 ( 11 ) 539.00 ( 12 ) 386.00 ( 11 ) 440.00 ( 12 )

2002 465.00 ( 10 ) 530.00 ( 11 ) 415.00 ( 10 ) 473.00 ( 11 ) 338.00 ( 10 ) 386.00 ( 11 )

2003 407.00 ( 9 ) 465.00 ( 10 ) 363.00 ( 9 ) 415.00 ( 10 ) 296.00 ( 9 ) 338.00 ( 10 )

2004 356.00 ( 8 ) 407.00 ( 9 ) 317.00 ( 8 ) 363.00 ( 9 ) 259.00 ( 8 ) 296.00 ( 9 )

2005 306.00 ( 7 ) 356.00 ( 8 ) 271.00 ( 7 ) 317.00 ( 8 ) 222.00 ( 7 ) 259.00 ( 8 )

2006 264.00 ( 6 ) 306.00 ( 7 ) 234.00 ( 6 ) 271.00 ( 7 ) 192.00 ( 6 ) 222.00 ( 7 )

2007 220.00 ( 5 ) 264.00 ( 6 ) 195.00 ( 5 ) 234.00 ( 6 ) 160.00 ( 5 ) 192.00 ( 6 )

2008 176.00 ( 4 ) 220.00 ( 5 ) 156.00 ( 4 ) 195.00 ( 5 ) 128.00 ( 4 ) 160.00 ( 5 )

2009 132.00 ( 3 ) 176.00 ( 4 ) 117.00 ( 3 ) 156.00 ( 4 ) 96.00 ( 3 ) 128.00 ( 4 )

2010 88.00 ( 2 ) 132.00 ( 3 ) 78.00 ( 2 ) 117.00 ( 3 ) 64.00 ( 2 ) 96.00 ( 3 )

2011 44.00 ( 1 ) 88.00 ( 2 ) 39.00 ( 1 ) 78.00 ( 2 ) 32.00 ( 1 ) 64.00 ( 2 )

2012 44.00 ( 1 ) 39.00 ( 1 ) 32.00 ( 1 )







the following interim bonus rates per ` 1000 S.A. are applicable : ` 44.00 for term 25 years,

` 39.00 for term 20 years & ` 32.00 for term 12 and 15 years.


ANNEXURE IV

WITH POLICY TERM 25, 20, 15 and 12

YEAR OF

COMMEN

CEMENT

TERM = 25 YEARS TERM = 20 YEARS TERM = 12 and 15 YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

2012

BONUS CHART FOR TABLE NOS : 106,107 AND 108

1992 1245.00 ( 20 ) 1107.00 ( 20 )

1993 1176.00 ( 19 ) 1245.00 ( 20 ) 1038.00 ( 19 ) 1107.00 ( 20 )

1994 1109.00 ( 18 ) 1176.00 ( 19 ) 971.00 ( 18 ) 1038.00 ( 19 )

1995 1040.00 ( 17 ) 1109.00 ( 18 ) 902.00 ( 17 ) 971.00 ( 18 )

1996 973.00 ( 16 ) 1040.00 ( 17 ) 835.00 ( 16 ) 902.00 ( 17 )

1997 902.00 ( 15 ) 973.00 ( 16 ) 766.00 ( 15 ) 835.00 ( 16 ) 645.00 ( 15 )

1998 831.00 ( 14 ) 902.00 ( 15 ) 699.00 ( 14 ) 766.00 ( 15 ) 583.00 ( 14 ) 645.00 ( 15 )

1999 756.00 ( 13 ) 831.00 ( 14 ) 632.00 ( 13 ) 699.00 ( 14 ) 525.00 ( 13 ) 583.00 ( 14 )

2000 676.00 ( 12 ) 756.00 ( 13 ) 564.00 ( 12 ) 632.00 ( 13 ) 469.00 ( 12 ) 525.00 ( 13 )

2001 595.00 ( 11 ) 676.00 ( 12 ) 495.00 ( 11 ) 564.00 ( 12 ) 412.00 ( 11 ) 469.00 ( 12 )

2002 523.00 ( 10 ) 595.00 ( 11 ) 434.00 ( 10 ) 495.00 ( 11 ) 361.00 ( 10 ) 412.00 ( 11 )

2003 459.00 ( 9 ) 523.00 ( 10 ) 380.00 ( 9 ) 434.00 ( 10 ) 316.00 ( 9 ) 361.00 ( 10 )

2004 402.00 ( 8 ) 459.00 ( 9 ) 332.00 ( 8 ) 380.00 ( 9 ) 276.00 ( 8 ) 316.00 ( 9 )

2005 347.00 ( 7 ) 402.00 ( 8 ) 285.00 ( 7 ) 332.00 ( 8 ) 236.00 ( 7 ) 276.00 ( 8 )

2006 300.00 ( 6 ) 347.00 ( 7 ) 246.00 ( 6 ) 285.00 ( 7 ) 204.00 ( 6 ) 236.00 ( 7 )

2007 250.00 ( 5 ) 300.00 ( 6 ) 205.00 ( 5 ) 246.00 ( 6 ) 170.00 ( 5 ) 204.00 ( 6 )

2008 200.00 ( 4 ) 250.00 ( 5 ) 164.00 ( 4 ) 205.00 ( 5 ) 136.00 ( 4 ) 170.00 ( 5 )

2009 150.00 ( 3 ) 200.00 ( 4 ) 123.00 ( 3 ) 164.00 ( 4 ) 102.00 ( 3 ) 136.00 ( 4 )

2010 100.00 ( 2 ) 150.00 ( 3 ) 82.00 ( 2 ) 123.00 ( 3 ) 68.00 ( 2 ) 102.00 ( 3 )

2011 50.00 ( 1 ) 100.00 ( 2 ) 41.00 ( 1 ) 82.00 ( 2 ) 34.00 ( 1 ) 68.00 ( 2 )

2012 50.00 ( 1 ) 41.00 ( 1 ) 34.00 ( 1 )

Note: 1) The above includes one time bonus declared as per Valuation as at 31.03.1997and special





the following interim bonus rates per ` 1000 S.A. are applicable : ` 50.00 for term 25 years,

` 41.00 for term 20 years & ` 34.00 for term 15 years.

JANUARY TO

MARCH


ANNEXURE V

WITH POLICY TERM 25, 20, AND 15 YEARS

YEAR OF

COMMEN

CEMENT

PLAN 108 TERM = 25 YEARS PLAN 107 TERM = 20 YEARS PLAN 106TERM = 15 YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

2012

BONUS CHART FOR TABLE NOS 88,89 & 48

WITH POLICY TERM MORE THAN 20 YEARS

1962 2344.40 ( 50 ) 2359.40 ( 50 ) 2379.40 ( 50 )

1963 2330.40 ( 49 ) 2344.40 ( 50 ) 2345.40 ( 49 ) 2359.40 ( 50 ) 2365.40 ( 49 ) 2379.40 ( 50 )

1964 2314.40 ( 48 ) 2330.40 ( 49 ) 2329.40 ( 48 ) 2345.40 ( 49 ) 2349.40 ( 48 ) 2365.40 ( 49 )

1965 2296.40 ( 47 ) 2314.40 ( 48 ) 2311.40 ( 47 ) 2329.40 ( 48 ) 2331.40 ( 47 ) 2349.40 ( 48 )

1966 2277.40 ( 46 ) 2296.40 ( 47 ) 2292.40 ( 46 ) 2311.40 ( 47 ) 2312.40 ( 46 ) 2331.40 ( 47 )

1967 2258.40 ( 45 ) 2277.40 ( 46 ) 2273.40 ( 45 ) 2292.40 ( 46 ) 2293.40 ( 45 ) 2312.40 ( 46 )

1968 2236.80 ( 44 ) 2258.40 ( 45 ) 2251.80 ( 44 ) 2273.40 ( 45 ) 2271.80 ( 44 ) 2293.40 ( 45 )

1969 2215.20 ( 43 ) 2236.80 ( 44 ) 2230.20 ( 43 ) 2251.80 ( 44 ) 2250.20 ( 43 ) 2271.80 ( 44 )

1970 2190.60 ( 42 ) 2215.20 ( 43 ) 2205.60 ( 42 ) 2230.20 ( 43 ) 2225.60 ( 42 ) 2250.20 ( 43 )

1971 2162.50 ( 41 ) 2190.60 ( 42 ) 2170.00 ( 41 ) 2205.60 ( 42 ) 2180.00 ( 41 ) 2225.60 ( 42 )

1972 2136.90 ( 40 ) 2162.50 ( 41 ) 2144.40 ( 40 ) 2170.00 ( 41 ) 2154.40 ( 40 ) 2180.00 ( 41 )

1973 2110.30 ( 39 ) 2136.90 ( 40 ) 2117.80 ( 39 ) 2144.40 ( 40 ) 2127.80 ( 39 ) 2154.40 ( 40 )

1974 2083.70 ( 38 ) 2110.30 ( 39 ) 2091.20 ( 38 ) 2117.80 ( 39 ) 2101.20 ( 38 ) 2127.80 ( 39 )

1975 2057.10 ( 37 ) 2083.70 ( 38 ) 2064.60 ( 37 ) 2091.20 ( 38 ) 2074.60 ( 37 ) 2101.20 ( 38 )

1976 2029.60 ( 36 ) 2057.10 ( 37 ) 2029.60 ( 36 ) 2064.60 ( 37 ) 2029.60 ( 36 ) 2074.60 ( 37 )

1977 2002.60 ( 35 ) 2029.60 ( 36 ) 2002.60 ( 35 ) 2029.60 ( 36 ) 2002.60 ( 35 ) 2029.60 ( 36 )

1978 1970.80 ( 34 ) 2002.60 ( 35 ) 1970.80 ( 34 ) 2002.60 ( 35 ) 1970.80 ( 34 ) 2002.60 ( 35 )

1979 1939.00 ( 33 ) 1970.80 ( 34 ) 1939.00 ( 33 ) 1970.80 ( 34 ) 1939.00 ( 33 ) 1970.80 ( 34 )

1980 1904.00 ( 32 ) 1939.00 ( 33 ) 1904.00 ( 32 ) 1939.00 ( 33 ) 1904.00 ( 32 ) 1939.00 ( 33 )

1981 1871.00 ( 31 ) 1904.00 ( 32 ) 1871.00 ( 31 ) 1904.00 ( 32 ) 1871.00 ( 31 ) 1904.00 ( 32 )

1982 1832.00 ( 30 ) 1871.00 ( 31 ) 1832.00 ( 30 ) 1871.00 ( 31 ) 1832.00 ( 30 ) 1871.00 ( 31 )

1983 1793.00 ( 29 ) 1832.00 ( 30 ) 1793.00 ( 29 ) 1832.00 ( 30 ) 1793.00 ( 29 ) 1832.00 ( 30 )

1984 1744.00 ( 28 ) 1793.00 ( 29 ) 1744.00 ( 28 ) 1793.00 ( 29 ) 1744.00 ( 28 ) 1793.00 ( 29 )

1985 1696.00 ( 27 ) 1744.00 ( 28 ) 1696.00 ( 27 ) 1744.00 ( 28 ) 1696.00 ( 27 ) 1744.00 ( 28 )

1986 1642.00 ( 26 ) 1696.00 ( 27 ) 1642.00 ( 26 ) 1696.00 ( 27 ) 1642.00 ( 26 ) 1696.00 ( 27 )

1987 1582.00 ( 25 ) 1642.00 ( 26 ) 1582.00 ( 25 ) 1642.00 ( 26 ) 1582.00 ( 25 ) 1642.00 ( 26 )

1988 1518.00 ( 24 ) 1582.00 ( 25 ) 1518.00 ( 24 ) 1582.00 ( 25 ) 1518.00 ( 24 ) 1582.00 ( 25 )

1989 1452.00 ( 23 ) 1518.00 ( 24 ) 1452.00 ( 23 ) 1518.00 ( 24 ) 1452.00 ( 23 ) 1518.00 ( 24 )

1990 1384.00 ( 22 ) 1452.00 ( 23 ) 1384.00 ( 22 ) 1452.00 ( 23 ) 1384.00 ( 22 ) 1452.00 ( 23 )

1991 1315.00 ( 21 ) 1384.00 ( 22 ) 1315.00 ( 21 ) 1384.00 ( 22 ) 1315.00 ( 21 ) 1384.00 ( 22 )

1992 1246.00 ( 20 ) 1315.00 ( 21 ) 1246.00 ( 20 ) 1315.00 ( 21 ) 1246.00 ( 20 ) 1315.00 ( 21 )

1993 1177.00 ( 19 ) 1246.00 ( 20 ) 1177.00 ( 19 ) 1246.00 ( 20 ) 1177.00 ( 19 ) 1246.00 ( 20 )

1994 1110.00 ( 18 ) 1177.00 ( 19 ) 1110.00 ( 18 ) 1177.00 ( 19 ) 1110.00 ( 18 ) 1177.00 ( 19 )

1995 1039.00 ( 17 ) 1110.00 ( 18 ) 1039.00 ( 17 ) 1110.00 ( 18 ) 1039.00 ( 17 ) 1110.00 ( 18 )

1996 970.00 ( 16 ) 1039.00 ( 17 ) 970.00 ( 16 ) 1039.00 ( 17 ) 970.00 ( 16 ) 1039.00 ( 17 )

1997 897.00 ( 15 ) 970.00 ( 16 ) 897.00 ( 15 ) 970.00 ( 16 ) 897.00 ( 15 ) 970.00 ( 16 )

1998 823.00 ( 14 ) 897.00 ( 15 ) 823.00 ( 14 ) 897.00 ( 15 ) 823.00 ( 14 ) 897.00 ( 15 )

1999 747.00 ( 13 ) 823.00 ( 14 ) 747.00 ( 13 ) 823.00 ( 14 ) 747.00 ( 13 ) 823.00 ( 14 )

2000 667.00 ( 12 ) 747.00 ( 13 ) 667.00 ( 12 ) 747.00 ( 13 ) 667.00 ( 12 ) 747.00 ( 13 )

2001 586.00 ( 11 ) 667.00 ( 12 ) 586.00 ( 11 ) 667.00 ( 12 ) 586.00 ( 11 ) 667.00 ( 12 )

2002 514.00 ( 10 ) 586.00 ( 11 ) 514.00 ( 10 ) 586.00 ( 11 ) 514.00 ( 10 ) 586.00 ( 11 )

2003 449.00 ( 9 ) 514.00 ( 10 ) 449.00 ( 9 ) 514.00 ( 10 ) 449.00 ( 9 ) 514.00 ( 10 )

2004 391.00 ( 8 ) 449.00 ( 9 ) 391.00 ( 8 ) 449.00 ( 9 ) 391.00 ( 8 ) 449.00 ( 9 )

2005 335.00 ( 7 ) 391.00 ( 8 ) 335.00 ( 7 ) 391.00 ( 8 ) 335.00 ( 7 ) 391.00 ( 8 )

2006 288.00 ( 6 ) 335.00 ( 7 ) 288.00 ( 6 ) 335.00 ( 7 ) 288.00 ( 6 ) 335.00 ( 7 )

2007 240.00 ( 5 ) 288.00 ( 6 ) 240.00 ( 5 ) 288.00 ( 6 ) 240.00 ( 5 ) 288.00 ( 6 )

2008 192.00 ( 4 ) 240.00 ( 5 ) 192.00 ( 4 ) 240.00 ( 5 ) 192.00 ( 4 ) 240.00 ( 5 )

2009 144.00 ( 3 ) 192.00 ( 4 ) 144.00 ( 3 ) 192.00 ( 4 ) 144.00 ( 3 ) 192.00 ( 4 )

2010 96.00 ( 2 ) 144.00 ( 3 ) 96.00 ( 2 ) 144.00 ( 3 ) 96.00 ( 2 ) 144.00 ( 3 )

2011 48.00 ( 1 ) 96.00 ( 2 ) 48.00 ( 1 ) 96.00 ( 2 ) 48.00 ( 1 ) 96.00 ( 2 )

2012 48.00 ( 1 ) 48.00 ( 1 ) 48.00 ( 1 )

Note: 1) The figures in bracket indicate the number of years for which premiums have been paid except for table 48 where it indicates number of policy years elapsed.






the following interim bonus rates per ` 1000 S.A. are applicable : ` 48.00

APRIL TO

DECEMBER

JANUARY TO

MARCH

JANUARY TO

MARCH


ANNEXURE VI

YEAR OF

COMMEN

CEMENT


TO ` 50000

SUM ASSURED ABOVE `

50000

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

2012

1992 1173.00 ( 20 )

1993 1104.00 ( 19 ) 1173.00 ( 20 )

1994 1037.00 ( 18 ) 1104.00 ( 19 )

1995 966.00 ( 17 ) 1037.00 ( 18 )

1996 897.00 ( 16 ) 966.00 ( 17 )

1997 824.00 ( 15 ) 897.00 ( 16 ) 759.00 ( 15 )

1998 753.00 ( 14 ) 824.00 ( 15 ) 690.00 ( 14 ) 759.00 ( 15 )

1999 682.00 ( 13 ) 753.00 ( 14 ) 623.00 ( 13 ) 690.00 ( 14 )


ANNEXURE VII

BONUS CHART FOR TABLE NOS 88,89 & 48

WITH POLICY TERM BETWEEN 16 TO 20,11 TO 15,10 & 5 YEARS

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

YEAR OF

COMMEN

CEMENT

TERM 16 TO 20 YEARS TERM 11 TO 15 YEARS TERMS 5 & 10 YEAR

(For Jeevan Mitra - double cover,

Jeevan Saathi, Ltd. Endowment & S.P.

Endowment)

(For Jeevan Mitra - double cover,

Jeevan Saathi, Ltd. Endowment &

S.P. Endowment)

( For Single Premium and Ltd.

Endowment only)

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

2000 609.00 ( 12 ) 682.00 ( 13 ) 556.00 ( 12 ) 623.00 ( 13 )

2001 535.00 ( 11 ) 609.00 ( 12 ) 488.00 ( 11 ) 556.00 ( 12 )

2002 469.00 ( 10 ) 535.00 ( 11 ) 428.00 ( 10 ) 488.00 ( 11 ) 428.00 ( 10 )

2003 410.00 ( 9 ) 469.00 ( 10 ) 374.00 ( 9 ) 428.00 ( 10 ) 374.00 ( 9 ) 428.00 ( 10 )

2004 358.00 ( 8 ) 410.00 ( 9 ) 326.00 ( 8 ) 374.00 ( 9 ) 326.00 ( 8 ) 374.00 ( 9 )

2005 307.00 ( 7 ) 358.00 ( 8 ) 279.00 ( 7 ) 326.00 ( 8 ) 279.00 ( 7 ) 326.00 ( 8 )

2006 264.00 ( 6 ) 307.00 ( 7 ) 240.00 ( 6 ) 279.00 ( 7 ) 240.00 ( 6 ) 279.00 ( 7 )

2007 220.00 ( 5 ) 264.00 ( 6 ) 200.00 ( 5 ) 240.00 ( 6 ) 200.00 ( 5 ) 240.00 ( 6 )

2008 176.00 ( 4 ) 220.00 ( 5 ) 160.00 ( 4 ) 200.00 ( 5 ) 160.00 ( 4 ) 200.00 ( 5 )

2009 132.00 ( 3 ) 176.00 ( 4 ) 120.00 ( 3 ) 160.00 ( 4 ) 120.00 ( 3 ) 160.00 ( 4 )

2010 88.00 ( 2 ) 132.00 ( 3 ) 80.00 ( 2 ) 120.00 ( 3 ) 80.00 ( 2 ) 120.00 ( 3 )

2011 44.00 ( 1 ) 88.00 ( 2 ) 40.00 ( 1 ) 80.00 ( 2 ) 40.00 ( 1 ) 80.00 ( 2 )

2012 44.00 ( 1 ) 40.00 ( 1 ) 40.00 ( 1 )







the following interim bonus rates per ` 1000 S.A. are applicable : ` 44.00 for term 16 to 20 years,

` 40.00 for term upto 15 years.

2012

2001 547.00 ( 11 ) 501.00 ( 11 ) 452.00 ( 11 )

2002 482.00 ( 10 ) 547.00 ( 11 ) 441.00 ( 10 ) 501.00 ( 11 ) 397.00 ( 10 ) 452.00 ( 11 )

2003 423.00 ( 9 ) 482.00 ( 10 ) 387.00 ( 9 ) 441.00 ( 10 ) 348.00 ( 9 ) 397.00 ( 10 )

2004 370.00 ( 8 ) 423.00 ( 9 ) 338.00 ( 8 ) 387.00 ( 9 ) 305.00 ( 8 ) 348.00 ( 9 )

2005 318.00 ( 7 ) 370.00 ( 8 ) 290.00 ( 7 ) 338.00 ( 8 ) 262.00 ( 7 ) 305.00 ( 8 )

2006 274.00 ( 6 ) 318.00 ( 7 ) 250.00 ( 6 ) 290.00 ( 7 ) 226.00 ( 6 ) 262.00 ( 7 )

2007 229.00 ( 5 ) 274.00 ( 6 ) 209.00 ( 5 ) 250.00 ( 6 ) 189.00 ( 5 ) 226.00 ( 6 )

2008 184.00 ( 4 ) 229.00 ( 5 ) 168.00 ( 4 ) 209.00 ( 5 ) 152.00 ( 4 ) 189.00 ( 5 )

2009 139.00 ( 3 ) 184.00 ( 4 ) 127.00 ( 3 ) 168.00 ( 4 ) 115.00 ( 3 ) 152.00 ( 4 )

2010 94.00 ( 2 ) 139.00 ( 3 ) 86.00 ( 2 ) 127.00 ( 3 ) 78.00 ( 2 ) 115.00 ( 3 )

2011 47.00 ( 1 ) 94.00 ( 2 ) 43.00 ( 1 ) 86.00 ( 2 ) 39.00 ( 1 ) 78.00 ( 2 )

2012 47.00 ( 1 ) 43.00 ( 1 ) 39.00 ( 1 )

2002 361.00 ( 10 )

2003 317.00 ( 9 ) 361.00 ( 10 )

2004 279.00 ( 8 ) 317.00 ( 9 )

2005 240.00 ( 7 ) 279.00 ( 8 )

2006 208.00 ( 6 ) 240.00 ( 7 )

2007 174.00 ( 5 ) 208.00 ( 6 ) 174.00 ( 5 )

2008 140.00 ( 4 ) 174.00 ( 5 ) 140.00 ( 4 ) 174.00 ( 5 )

2009 106.00 ( 3 ) 140.00 ( 4 ) 106.00 ( 3 ) 140.00 ( 4 )

2010 72.00 ( 2 ) 106.00 ( 3 ) 72.00 ( 2 ) 106.00 ( 3 )

2011 36.00 ( 1 ) 72.00 ( 2 ) 36.00 ( 1 ) 72.00 ( 2 )

2012 36.00 ( 1 ) 36.00 ( 1 )


2) The above includes special one time bonus as per Valuation as at 31.03.2005.




the following interim bonus rates per ` 1000 S.A. are applicable : ` 47.00 for premium paying

term more than 20 years, ` 43.00 for premium paying term 16 to 20 years, ` 39.00 for

for premium paying term 11 to 15 year, ` 36.00 for premium paying term 6 to 10 years &

` 36.00 for premium paying term upto 5 years

JANUARY TO

MARCH

YEAR OF

COMMEN

CEMENT

PREMIUM PAYMENT TERM 6 TO

10 YEARS

PREMIUM PAYMENT TERM 5

YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH


20 YEARS


15 YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER


ANNEXURE VIII

BONUS CHART FOR TABLE NOS 149

WITH PREMIUM PAYMENT TERM (PPT) MORE THAN 20, BETWEEN 16 TO 20, BETWEEN 11

TO 15 ,BETWEEN 6 TO 10 AND PPT = 5 YEARS

YEAR OF

COMMEN

CEMENT

PREMIUM PAYMENT TERM MORE

THAN 20 YEARS

2012

2002 359.00 ( 10 ) 420.00 ( 10 ) 466.00 ( 10 )

2003 315.00 ( 9 ) 359.00 ( 10 ) 369.00 ( 9 ) 420.00 ( 10 ) 408.00 ( 9 ) 466.00 ( 10 )

2004 276.00 ( 8 ) 315.00 ( 9 ) 324.00 ( 8 ) 369.00 ( 9 ) 357.00 ( 8 ) 408.00 ( 9 )

2005 237.00 ( 7 ) 276.00 ( 8 ) 279.00 ( 7 ) 324.00 ( 8 ) 307.00 ( 7 ) 357.00 ( 8 )

2006 204.00 ( 6 ) 237.00 ( 7 ) 240.00 ( 6 ) 279.00 ( 7 ) 264.00 ( 6 ) 307.00 ( 7 )

2007 170.00 ( 5 ) 204.00 ( 6 ) 200.00 ( 5 ) 240.00 ( 6 ) 220.00 ( 5 ) 264.00 ( 6 )

2008 136.00 ( 4 ) 170.00 ( 5 ) 160.00 ( 4 ) 200.00 ( 5 ) 176.00 ( 4 ) 220.00 ( 5 )

2009 102.00 ( 3 ) 136.00 ( 4 ) 120.00 ( 3 ) 160.00 ( 4 ) 132.00 ( 3 ) 176.00 ( 4 )

2010 68.00 ( 2 ) 102.00 ( 3 ) 80.00 ( 2 ) 120.00 ( 3 ) 88.00 ( 2 ) 132.00 ( 3 )

2011 34.00 ( 1 ) 68.00 ( 2 ) 40.00 ( 1 ) 80.00 ( 2 ) 44.00 ( 1 ) 88.00 ( 2 )

2012 34.00 ( 1 ) 40.00 ( 1 ) 44.00 ( 1 )

2002 518.00 ( 10 )

2003 454.00 ( 9 ) 518.00 ( 10 )

2004 397.00 ( 8 ) 454.00 ( 9 )

2005 342.00 ( 7 ) 397.00 ( 8 )

2006 294.00 ( 6 ) 342.00 ( 7 )

2007 245.00 ( 5 ) 294.00 ( 6 )

2008 196.00 ( 4 ) 245.00 ( 5 )

2009 147.00 ( 3 ) 196.00 ( 4 )

2010 98.00 ( 2 ) 147.00 ( 3 )

2011 49.00 ( 1 ) 98.00 ( 2 )

2012 49.00 ( 1 )





one year from maturity, wherever applicable) or are surrendered during the period 01.01.2013 to

31.012.2013, the following interim bonus rates per ` 1000 S.A. are applicable : ` 34.00 for premium paying

term more than 20 years, ` 40.00 for premium paying term 16 to 20 years, ` 44.00 for

premium paying term 11 to 15 years & ` 49.00 for premium paying term upto 10 years.

YEAR OF

COMMEN

CEMENT

PPT 10 YEARS AND LESS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

JANUARY TO

MARCH

APRIL TO

DECEMBER


ANNEXURE IX

BONUS CHART FOR TABLE NOS. : 152

WITH PREMIUM PAYMENT TERM (PPT) MORE THAN 20, BETWEEN 16 TO 20,

BETWEEN 11 TO 15, BETWEEN 6 TO 10 AND PPT = 5 YEARS

YEAR OF

COMMEN

CEMENT

PPT MORE THAN 20 YEARS PPT 16 TO 20 YEARS PPT 11 TO 15 YEARS

2012

2001 349.00 ( 11 ) 311.00 ( 11 )

2002 325.00 ( 10 ) 349.00 ( 11 ) 289.00 ( 10 ) 311.00 ( 11 ) 252.00 ( 10 )

2003 301.00 ( 9 ) 325.00 ( 10 ) 267.00 ( 9 ) 289.00 ( 10 ) 232.00 ( 9 ) 252.00 ( 10 )

2004 277.00 ( 8 ) 301.00 ( 9 ) 245.00 ( 8 ) 267.00 ( 9 ) 212.00 ( 8 ) 232.00 ( 9 )

2005 242.00 ( 7 ) 277.00 ( 8 ) 214.00 ( 7 ) 245.00 ( 8 ) 186.00 ( 7 ) 212.00 ( 8 )

2006 210.00 ( 6 ) 242.00 ( 7 ) 186.00 ( 6 ) 214.00 ( 7 ) 162.00 ( 6 ) 186.00 ( 7 )

2007 175.00 ( 5 ) 210.00 ( 6 ) 155.00 ( 5 ) 186.00 ( 6 ) 135.00 ( 5 ) 162.00 ( 6 )

2008 140.00 ( 4 ) 175.00 ( 5 ) 124.00 ( 4 ) 155.00 ( 5 ) 108.00 ( 4 ) 135.00 ( 5 )

2009 105.00 ( 3 ) 140.00 ( 4 ) 93.00 ( 3 ) 124.00 ( 4 ) 81.00 ( 3 ) 108.00 ( 4 )

2010 70.00 ( 2 ) 105.00 ( 3 ) 62.00 ( 2 ) 93.00 ( 3 ) 54.00 ( 2 ) 81.00 ( 3 )

2011 35.00 ( 1 ) 70.00 ( 2 ) 31.00 ( 1 ) 62.00 ( 2 ) 27.00 ( 1 ) 54.00 ( 2 )

2012 35.00 ( 1 ) 31.00 ( 1 ) 27.00 ( 1 )

2007 105.00 ( 5 )

2008 84.00 ( 4 ) 105.00 ( 5 )

2009 63.00 ( 3 ) 84.00 ( 4 )

2010 42.00 ( 2 ) 63.00 ( 3 )

2011 21.00 ( 1 ) 42.00 ( 2 )

2012 21.00 ( 1 )

Note: 1) The above includes special one time bonus as per Valuation as at 31.03.2005.


3) For the policies resulting into claims by maturity (including those discounted within


the following interim bonus rates per ` 1000 Cash Option. are applicable : ` 35.00 for term

more than 15 years, `. 31.00 for term 11 to 15 years, ` 27.00 for term 6 to 10 years &


YEAR OF

COMMEN

CEMENT

DEF. PD. 5 YEARS AND LESS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

JANUARY TO

MARCH

APRIL TO

DECEMBER


ANNEXURE X

BONUS CHART FOR NEW JEEVAN SURAKSHA -1 ( PLAN 147 )

WITH DEFERMENT PERIOD (DEF. PD.) MORE THAN 15

BETWEEN 11 TO 15, BETWEEN 6 TO 10 AND TERM 5 YEARS AND LESS

YEAR OF

COMMEN

CEMENT

DEF.PD. 16 YEARS AND MORE DEF. PD. 11 TO 15 YEARS DEF. PD. 6 TO 10 YEARS

2012

2001 327.00 ( 11 ) 289.00 ( 11 )

2002 303.00 ( 10 ) 327.00 ( 11 ) 267.00 ( 10 ) 289.00 ( 11 ) 237.00 ( 10 )

2003 279.00 ( 9 ) 303.00 ( 10 ) 245.00 ( 9 ) 267.00 ( 10 ) 217.00 ( 9 ) 237.00 ( 10 )

2004 255.00 ( 8 ) 279.00 ( 9 ) 223.00 ( 8 ) 245.00 ( 9 ) 197.00 ( 8 ) 217.00 ( 9 )

2005 222.00 ( 7 ) 255.00 ( 8 ) 194.00 ( 7 ) 223.00 ( 8 ) 172.00 ( 7 ) 197.00 ( 8 )

2006 192.00 ( 6 ) 222.00 ( 7 ) 168.00 ( 6 ) 194.00 ( 7 ) 150.00 ( 6 ) 172.00 ( 7 )

2007 160.00 ( 5 ) 192.00 ( 6 ) 140.00 ( 5 ) 168.00 ( 6 ) 125.00 ( 5 ) 150.00 ( 6 )

2008 128.00 ( 4 ) 160.00 ( 5 ) 112.00 ( 4 ) 140.00 ( 5 ) 100.00 ( 4 ) 125.00 ( 5 )

2009 96.00 ( 3 ) 128.00 ( 4 ) 84.00 ( 3 ) 112.00 ( 4 ) 75.00 ( 3 ) 100.00 ( 4 )

2010 64.00 ( 2 ) 96.00 ( 3 ) 56.00 ( 2 ) 84.00 ( 3 ) 50.00 ( 2 ) 75.00 ( 3 )

2011 32.00 ( 1 ) 64.00 ( 2 ) 28.00 ( 1 ) 56.00 ( 2 ) 25.00 ( 1 ) 50.00 ( 2 )

2012 32.00 ( 1 ) 28.00 ( 1 ) 25.00 ( 1 )

2007 100.00 ( 5 )

2008 80.00 ( 4 ) 100.00 ( 5 )

2009 60.00 ( 3 ) 80.00 ( 4 )

2010 40.00 ( 2 ) 60.00 ( 3 )

2011 20.00 ( 1 ) 40.00 ( 2 )

2012 20.00 ( 1 )

Note: 1) The above includes special one time bonus as per Valuation as at 31.03.2005.




31.12.2013, the following interim bonus rates per ` 1000 Cash Option. are applicable : ` 32.00 for term

more than 15 years, ` 28.00 for term 11 to 15 years, ` 25.00 for term 6 to 10 years &


APRIL TO

DECEMBER


ANNEXURE XI

BONUS CHART FOR NEW JEEVAN DHARA -1 ( PLAN 148 )


BETWEEN 11 TO 15, BETWEEN 6 TO 10 AND TERM 5 YEARS AND LESS

YEAR OF

COMMEN

CEMENT

DEF.PD. 16 YRS & MORE DEF. PD. 11 TO 15 YEARS DEF. PD. 6 TO 10 YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

JANUARY TO

MARCH

YEAR OF

COMMEN

CEMENT

DEF. PD. 5 YEARS AND LESS

APRIL TO

DECEMBER

JANUARY TO

MARCH

2012

2004 334.00 ( 8 ) 317.00 ( 8 ) 297.00 ( 8 )

2005 299.00 ( 7 ) 334.00 ( 8 ) 284.00 ( 7 ) 317.00 ( 8 ) 268.00 ( 7 ) 297.00 ( 8 )

2006 264.00 ( 6 ) 299.00 ( 7 ) 252.00 ( 6 ) 284.00 ( 7 ) 240.00 ( 6 ) 268.00 ( 7 )

2007 220.00 ( 5 ) 264.00 ( 6 ) 210.00 ( 5 ) 252.00 ( 6 ) 200.00 ( 5 ) 240.00 ( 6 )

2008 176.00 ( 4 ) 220.00 ( 5 ) 168.00 ( 4 ) 210.00 ( 5 ) 160.00 ( 4 ) 200.00 ( 5 )

2009 132.00 ( 3 ) 176.00 ( 4 ) 126.00 ( 3 ) 168.00 ( 4 ) 120.00 ( 3 ) 160.00 ( 4 )

2010 88.00 ( 2 ) 132.00 ( 3 ) 84.00 ( 2 ) 126.00 ( 3 ) 80.00 ( 2 ) 120.00 ( 3 )

2011 44.00 ( 1 ) 88.00 ( 2 ) 42.00 ( 1 ) 84.00 ( 2 ) 40.00 ( 1 ) 80.00 ( 2 )

2012 44.00 ( 1 ) 42.00 ( 1 ) 40.00 ( 1 )

2004 277.00 ( 8 )

2005 252.00 ( 7 ) 277.00 ( 8 )

2006 228.00 ( 6 ) 252.00 ( 7 )

2007 190.00 ( 5 ) 228.00 ( 6 )

2008 152.00 ( 4 ) 190.00 ( 5 )

2009 114.00 ( 3 ) 152.00 ( 4 )

2010 76.00 ( 2 ) 114.00 ( 3 )

2011 38.00 ( 1 ) 76.00 ( 2 )

2012 38.00 ( 1 )






31.12.2013, the following interim bonus rates per ` 1000 S.A. are applicable : ` 44.00 for term more than

20 years, ` 42.00 for term 16 to 20 years, ` 40.00 for term 11 to 15 years & ` 38.00 for

term upto 10 years.

APRIL TO

DECEMBER


ANNEXURE XII

BONUS CHART FOR JEEVAN ANURAG POLICIES (PLAN 168)

WITH POLICY TERM MORE THAN 20, BETWEEN 16 TO 20,

BETWEEN 11 TO 15 AND TERM LESS THAN 11 YEARS

YEAR OF

COMMEN

CEMENT

TERM 21 YEARS AND MORE TERM 16 TO 20 YEARS TERM 11 TO 15 YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

JANUARY TO

MARCH

YEAR OF

COMMEN

CEMENT

TERM 10 YEARS AND LESS

APRIL TO

DECEMBER

JANUARY TO

MARCH

2012

2006 288.00 ( 6 ) 320.00 ( 7 ) 268.00 ( 6 ) 296.00 ( 7 ) 252.00 ( 6 ) 276.00 ( 7 )

2007 240.00 ( 5 ) 288.00 ( 6 ) 224.00 ( 5 ) 268.00 ( 6 ) 212.00 ( 5 ) 252.00 ( 6 )

2008 192.00 ( 4 ) 240.00 ( 5 ) 180.00 ( 4 ) 224.00 ( 5 ) 172.00 ( 4 ) 212.00 ( 5 )

2009 144.00 ( 3 ) 192.00 ( 4 ) 136.00 ( 3 ) 180.00 ( 4 ) 132.00 ( 3 ) 172.00 ( 4 )

2010 96.00 ( 2 ) 144.00 ( 3 ) 92.00 ( 2 ) 136.00 ( 3 ) 92.00 ( 2 ) 132.00 ( 3 )

2011 48.00 ( 1 ) 96.00 ( 2 ) 46.00 ( 1 ) 92.00 ( 2 ) 46.00 ( 1 ) 92.00 ( 2 )

2012 48.00 ( 1 ) 46.00 ( 1 ) 46.00 ( 1 )





the following interim bonus rates per ` 1000 S.A. are applicable : ` 48.00 for 20 year

accumulation period, ` 46.00 for 15 year accumulation period and ` 46.00 for 10 year

accumulation period.


ANNEXURE XIII

BONUS CHART FOR JEEVAN TARANG POLICIES - TABLE NO. 178

WITH ACCUMULATION PERIOD 20, 15 AND 10 YEARS

YEAR OF

COMMEN

CEMENTAPRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

ACCUMULATION PERIOD

20 YEARS

ACCUMULATION PERIOD

15 YEARS

ACCUMULATION

PERIOD 10 YEARS

JANUARY TO

MARCH

2012

1999 759.00 ( 13 ) 688.00 ( 13 ) 623.00 ( 13 )

2000 679.00 ( 12 ) 759.00 ( 13 ) 615.00 ( 12 ) 688.00 ( 13 ) 556.00 ( 12 ) 623.00 ( 13 )

2001 598.00 ( 11 ) 679.00 ( 12 ) 541.00 ( 11 ) 615.00 ( 12 ) 488.00 ( 11 ) 556.00 ( 12 )

2002 526.00 ( 10 ) 598.00 ( 11 ) 475.00 ( 10 ) 541.00 ( 11 ) 428.00 ( 10 ) 488.00 ( 11 )

2003 461.00 ( 9 ) 526.00 ( 10 ) 416.00 ( 9 ) 475.00 ( 10 ) 374.00 ( 9 ) 428.00 ( 10 )

2004 403.00 ( 8 ) 461.00 ( 9 ) 364.00 ( 8 ) 416.00 ( 9 ) 326.00 ( 8 ) 374.00 ( 9 )

2005 347.00 ( 7 ) 403.00 ( 8 ) 313.00 ( 7 ) 364.00 ( 8 ) 279.00 ( 7 ) 326.00 ( 8 )

2006 300.00 ( 6 ) 347.00 ( 7 ) 270.00 ( 6 ) 313.00 ( 7 ) 240.00 ( 6 ) 279.00 ( 7 )

2007 250.00 ( 5 ) 300.00 ( 6 ) 225.00 ( 5 ) 270.00 ( 6 ) 200.00 ( 5 ) 240.00 ( 6 )

2008 200.00 ( 4 ) 250.00 ( 5 ) 180.00 ( 4 ) 225.00 ( 5 ) 160.00 ( 4 ) 200.00 ( 5 )

2009 150.00 ( 3 ) 200.00 ( 4 ) 135.00 ( 3 ) 180.00 ( 4 ) 120.00 ( 3 ) 160.00 ( 4 )

2010 100.00 ( 2 ) 150.00 ( 3 ) 90.00 ( 2 ) 135.00 ( 3 ) 80.00 ( 2 ) 120.00 ( 3 )

2011 50.00 ( 1 ) 100.00 ( 2 ) 45.00 ( 1 ) 90.00 ( 2 ) 40.00 ( 1 ) 80.00 ( 2 )

2012 50.00 ( 1 ) 45.00 ( 1 ) 40.00 ( 1 )


2) The above includes special one time bonus declared as per Valuation as at 31.03.2005




the following interim bonus rates per ` 1000 S.A. are applicable : ` 50.00 for term more than

20 years , ` 45.00 for term 16 to 20 years and ` 40.00 for term upto 15 years.

TERMS 15 YEARS & LESS


ANNEXURE XIV

BONUS CHART FOR TABLE NOS 133 - Jeevan Mitra - Triple cover

WITH POLICY TERM more than 20 years , 16 TO 20 & less than 15 YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

TERM 16 TO 20 YEARS

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

YEAR OF

COMMEN

CEMENT

TERM 21 YEARS AND MORE

2012


ANNEXURE XV

BONUS CHART FOR JEEVAN MADHUR - TABLE NO. 182

WITH POLICY TERM 5 TO 10 YEARS AND 11 TO 15 YEARS

2006 152.00 ( 6 ) 122.00 ( 6 )

2007 127.00 ( 5 ) 152.00 ( 6 ) 102.00 ( 5 ) 122.00 ( 6 )

2008 102.00 ( 4 ) 127.00 ( 5 ) 82.00 ( 4 ) 102.00 ( 5 )

2009 77.00 ( 3 ) 102.00 ( 4 ) 62.00 ( 3 ) 82.00 ( 4 )

2010 52.00 ( 2 ) 77.00 ( 3 ) 42.00 ( 2 ) 62.00 ( 3 )

2011 26.00 ( 1 ) 52.00 ( 2 ) 21.00 ( 1 ) 42.00 ( 2 )

2012 26.00 ( 1 ) 21.00 ( 1 )





31.12.2013, the following interim bonus rates per ` 1000 S.A. are applicable : ` 26.00 for term

11 to 15 years and ` 21.00 for term 5 to 10 years

YEAR OF

COMMEN

CEMENT

POLICY TERM 11 TO 15 POLICY TERM 5 TO 10 YEARS

APRIL TO

DECEMBER

JANUARY

TO MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

2012

2007 200.00 ( 5 ) 240.00 ( 6 ) 190.00 ( 5 ) 228.00 ( 6 ) 170.00 ( 5 ) 204.00 ( 6 )

2008 160.00 ( 4 ) 200.00 ( 5 ) 152.00 ( 4 ) 190.00 ( 5 ) 136.00 ( 4 ) 170.00 ( 5 )

2009 120.00 ( 3 ) 160.00 ( 4 ) 114.00 ( 3 ) 152.00 ( 4 ) 102.00 ( 3 ) 136.00 ( 4 )

2010 80.00 ( 2 ) 120.00 ( 3 ) 76.00 ( 2 ) 114.00 ( 3 ) 68.00 ( 2 ) 102.00 ( 3 )

2011 40.00 ( 1 ) 80.00 ( 2 ) 38.00 ( 1 ) 76.00 ( 2 ) 34.00 ( 1 ) 68.00 ( 2 )

2012 40.00 ( 1 ) 38.00 ( 1 ) 34.00 ( 1 )





31.12.2013, the following interim bonus rates per ` 1000 S.A. are applicable : ` 40.00 for term more

than 20 years , ` 38.00 for term 16 to 20 years and ` 34.00 for term upto 15 years.

POLICY TERM BETWEEN 16 TO

20 YEARS.

POLICY TERM 11 TO 15

YEARS

JANUARY TO

MARCH


ANNEXURE XVI

BONUS CHART FOR CHILD CAREER PLAN - TABLE NO. 184

WITH POLICY TERM MORE THAN 20, BETWEEN 16 TO 20 AND 11 TO 15 YEARS

YEAR OF

COMMEN

CEMENT

POLICY TERM MORE

THAN 20 YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

2012

2007 214.00 ( 5 ) 256.00 ( 6 ) 204.00 ( 5 ) 244.00 ( 6 ) 184.00 ( 5 ) 220.00 ( 6 )

2008 172.00 ( 4 ) 214.00 ( 5 ) 164.00 ( 4 ) 204.00 ( 5 ) 148.00 ( 4 ) 184.00 ( 5 )

2009 130.00 ( 3 ) 172.00 ( 4 ) 124.00 ( 3 ) 164.00 ( 4 ) 112.00 ( 3 ) 148.00 ( 4 )

2010 88.00 ( 2 ) 130.00 ( 3 ) 84.00 ( 2 ) 124.00 ( 3 ) 76.00 ( 2 ) 112.00 ( 3 )

2011 44.00 ( 1 ) 88.00 ( 2 ) 42.00 ( 1 ) 84.00 ( 2 ) 38.00 ( 1 ) 76.00 ( 2 )

2012 44.00 ( 1 ) 42.00 ( 1 ) 38.00 ( 1 )





31.12.2013, the following interim bonus rates per Rs. 1000 S.A. are applicable : ` 44.00 for term

more than 20 years , ` 42.00 for term 16 to 20 years and ` 38.00 for term upto 15 years.

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER


ANNEXURE XVII

BONUS CHART FOR CHILD FUTURE PLAN - TABLE NO. 185

WITH POLICY TERM MORE THAN 20, BETWEEN 16 TO 20 AND 11 TO 15 YEARS

YEAR OF

COMMEN

CEMENT

POLICY TERM 21 AND MORE POLICY TERM BETWEEN 16

TO 20 YEARS.

POLICY TERM 11 TO 15

YEARS

JANUARY TO

MARCH

2012


ANNEXURE XVIII

BONUS CHART FOR JEEVAN BHARATI PLAN - TABLE NO. 160

WITH POLICY TERM = 20 YEARS & POLICY Term = 15 years

2007 200.00 ( 5 ) 190.00 ( 5 )

2008 160.00 ( 4 ) 200.00 ( 5 ) 152.00 ( 4 ) 190.00 ( 5 )

2009 120.00 ( 3 ) 160.00 ( 4 ) 114.00 ( 3 ) 152.00 ( 4 )

2010 80.00 ( 2 ) 120.00 ( 3 ) 76.00 ( 2 ) 114.00 ( 3 )

2011 40.00 ( 1 ) 80.00 ( 2 ) 38.00 ( 1 ) 76.00 ( 2 )

2012 40.00 ( 1 ) 38.00 ( 1 )

Note: 1) The figures in bracket indicate the number of years for which premiums have been paid in addition to 5 years.




the following interim bonus rates per ̀ 1000 S.A. are applicable : ̀ 40.00 for term 20 years

` 38.00 for term 15 years

Date of

commence

ment + 5

years

POLICY TERM = 20 YEARS POLICY TERM = 15 YEARS.

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

2012

2008 196.00 ( 4 ) 180.00 ( 4 ) 164.00 ( 4 )

2009 148.00 ( 3 ) 196.00 ( 4 ) 136.00 ( 3 ) 180.00 ( 4 ) 124.00 ( 3 ) 164.00 ( 4 )

2010 100.00 ( 2 ) 148.00 ( 3 ) 92.00 ( 2 ) 136.00 ( 3 ) 84.00 ( 2 ) 124.00 ( 3 )

2011 50.00 ( 1 ) 100.00 ( 2 ) 46.00 ( 1 ) 92.00 ( 2 ) 42.00 ( 1 ) 84.00 ( 2 )

2012 50.00 ( 1 ) 46.00 ( 1 ) 42.00 ( 1 )





following interim bonus rates per ` 1000 S.A. are applicable : Rs. 50.00 for term 25 years

` 46 for 20 years and ` 42.00 for terms 10 & 15 years

Date of

commencement

+ 5 years

POLICY TERM = 25 YEARS POLICY TERM = 20 YEARS. POLICY TERM = 10 & 15

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

JANUARY TO

MARCH


ANNEXURE XIX

BONUS CHART FOR JEEVAN SHREE I PLAN - TABLE NO. 162

WITH POLICY TERM = 25, 20, 15 & 10 years

APRIL TO

DECEMBER

2012

2008 122.00 ( 4 ) 114.00 ( 4 )

2009 92.00 ( 3 ) 122.00 ( 4 ) 86.00 ( 3 ) 114.00 ( 4 )

2010 62.00 ( 2 ) 92.00 ( 3 ) 58.00 ( 2 ) 86.00 ( 3 )

2011 31.00 ( 1 ) 62.00 ( 2 ) 29.00 ( 1 ) 58.00 ( 2 )

2012 31.00 ( 1 ) 29.00 ( 1 )





31.12.2003, thefollowing interim bonus rates per ̀ 1000 S.A. are applicable : ̀ 31.00 for term 20 years

and ` 29.00 for term 15 years


ANNEXURE XX

BONUS CHART FOR JEEVAN BHARATI I PLAN - TABLE NO. 192

WITH POLICY TERM = 20 YEARS & POLICY Term = 15 years

YEAR OF

COMMENCE

MENT

POLICY TERM = 20 YEARS POLICY TERM = 15 YEARS.

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

2012

2009 152.00 ( 3 ) 140.00 ( 3 ) 128.00 ( 3 )

2010 104.00 ( 2 ) 152.00 ( 3 ) 96.00 ( 2 ) 140.00 ( 3 ) 88.00 ( 2 ) 128.00 ( 3 )

2011 52.00 ( 1 ) 104.00 ( 2 ) 48.00 ( 1 ) 96.00 ( 2 ) 44.00 ( 1 ) 88.00 ( 2 )

2012 52.00 ( 1 ) 48.00 ( 1 ) 44.00 ( 1 )





following interim bonus rates per ` 1000 S.A. are applicable : ` 52.00 for term 25 years

` 48 for 20 years and ` 44.00 for terms 10 & 15 years

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH


ANNEXURE XXI

BONUS CHART FOR JEEVAN PRAMUKH PLAN - TABLE NO. 167

WITH POLICY TERM = 25, 20, 15 & 10 years

Date of

commencement

+ 5 years

POLICY TERM = 25 YEARS POLICY TERM = 20 YEARS. POLICY TERM = 10 & 15

2012

2009 114.00 ( 3 ) 108.00 ( 3 ) 102.00 ( 3 )

2010 76.00 ( 2 ) 114.00 ( 3 ) 72.00 ( 2 ) 108.00 ( 3 ) 68.00 ( 2 ) 102.00 ( 3 )

2011 38.00 ( 1 ) 76.00 ( 2 ) 36.00 ( 1 ) 72.00 ( 2 ) 34.00 ( 1 ) 68.00 ( 2 )

2012 38.00 ( 1 ) 36.00 ( 1 ) 34.00 ( 1 )

2009 96.00 ( 3 )

2010 64.00 ( 2 ) 96.00 ( 3 )

2011 32.00 ( 1 ) 64.00 ( 2 )

2012 32.00 ( 1 )





following interim bonus rates per ` 1000 Cash Option. are applicable : ` 38.00 for term

more than 20 years, ` 36.00 for term 16 to 20 years, ` 34.00 for term 11 to 15 years &

` 32.00 for term 5 to 10 years.

APRIL TO

DECEMBER


ANNEXURE XXII

BONUS CHART FOR JEEVAN NIDHI ( PLAN 169 )


BETWEEN 16 TO 20, BETWEEN 11 TO 15 AND BETWEEN 5 TO 10 YEARS

Date of

commence

ment + 5

years

DEF.PD. 21 YEARS AND MORE DEF. PD. 16 TO 20 YEARS DEF. PD.11 TO 15 YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

APRIL TO

DECEMBER

JANUARY TO

MARCH

JANUARY TO

MARCH

Date of

commence

ment + 5

years

DEF. PD. 5 TO 10 YEARS

APRIL TO

DECEMBER

JANUARY TO

MARCH

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