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“Some benefits
are guaranteed and some benefits are variable
with returns based on the future performance
of your insurer carrying on life insurance
business. If your policy offers guaranteed
returns then these will be clearly marked
“guaranteed” in the illustration
table on this page. If your policy offers
variable returns then the illustrations
on this page will show two different rates
of assumed future investment returns. These
assumed rates of return are not guaranteed
and they are not the upper or lower limits
of what you might get back as the value
of your policy is dependent on a number
of factors including future investment performance.”
Age at entry : 35 years
Policy Term : 20 Years
Mode of premium payment : Yearly
Sum Assured : Rs. 1,00,000 /-
Annual Premium : Rs. 6564 /-
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| 1
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6564
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100000
|
2400
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4800
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102400
|
104800
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| 2
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13128
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100000
|
4800
|
9600
|
104800
|
109600
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| 3
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19692
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100000
|
7200
|
14400
|
107200
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114400
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| 4
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26256
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100000
|
9600
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19200
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109600
|
119200
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| 5
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32820
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100000
|
12000
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24000
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112000
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124000
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| 6
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39384
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100000
|
14400
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28800
|
114400
|
128800
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| 7
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45948
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100000
|
16800
|
33600
|
116800
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133600
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| 8
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52512
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100000
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19200
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38400
|
119200
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138400
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| 9
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59076
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100000
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21600
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43200
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121600
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143200
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| 10 |
65640
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100000
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24000
|
48000
|
124000
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148000
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| 15
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98460
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100000
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36000
|
72000
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136000
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172000
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| 20
|
131280
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100000
|
48000
|
96000
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148000
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196000
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| 1
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6564
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0
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0
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0
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0
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0
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| 2
|
13128
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0
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0
|
0
|
0
|
0
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| 3
|
19692
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0
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0
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0
|
0
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0
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| 4
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26256
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0
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0
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0
|
0
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0
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| 5
|
32820
|
20000
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0
|
0
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20000
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20000
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| 6
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39384
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0
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0
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0
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0
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0
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| 7
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45948
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0
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0
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0
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0
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0
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| 8
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52512
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0
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0
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0
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0
|
0
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| 9
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59076
|
0
|
0
|
0
|
0
|
0
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| 10 |
65640
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20000
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0
|
0
|
20000
|
20000
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| 15
|
98460
|
20000
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0
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0
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20000
|
20000
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| 20
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131280
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40000
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53000
|
106000
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93000
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146000
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Age at entry : 35 years
Policy Term : 25 Years
Mode of premium payment : Yearly
Sum Assured : Rs. 1,00,000 /-
Annual Premium : Rs. 5507 /-
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| 1
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5507
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100000
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2700
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5800
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102700
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105800
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| 2
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11014
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100000
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5400
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11600
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105400
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111600
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| 3
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16521
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100000 |
8100 |
17400 |
108100 |
117400
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| 4
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22028
|
100000 |
10800 |
23200 |
110800 |
123200
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| 5
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27535
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100000
|
13500
|
29000
|
113500
|
129000
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| 6
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33042
|
100000
|
16200
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34800 |
116200
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134800
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| 7
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38549
|
100000
|
18900
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40600
|
118900
|
140600
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| 8
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44056
|
100000 |
21600 |
46400
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121600
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146400 |
| 9
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49563
|
100000
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24300
|
52200
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124300
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152200
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| 10 |
55070
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100000
|
27000
|
58000
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127000
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158000
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| 15
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82605
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100000
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40500
|
87000
|
140500
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187000
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| 20
|
110140
|
100000
|
54000
|
116000
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154000
|
216000
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25
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137675
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100000
|
67500
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145000
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167500
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245000
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| 1
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5507
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0
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0
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0
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0
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0
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| 2
|
11014
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0
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0
|
0
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0
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0
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| 3
|
16521
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0
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0
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0
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0
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0
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| 4
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22028
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0
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0
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0
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0
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0
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| 5
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27535
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15000
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0
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0
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15000
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15000
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| 6
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33042
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0
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0
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0
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0
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0
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| 7
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38549
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0
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0
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0
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0
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0
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| 8
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44056
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0
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0
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0
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0
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0
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| 9
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49563
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0
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0
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0
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0
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0
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| 10 |
55070
|
15000
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0
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0
|
15000
|
15000
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| 15
|
82605
|
15000
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0
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0
|
15000
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15000
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| 20
|
110140
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15000
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0
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0 |
15000
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15000
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25 |
137675 |
40000 |
74500 |
161000 |
114500 |
201000 |
i) This illustration is applicable to a
non-smoker male/female standard (from medical,
life style and occupation point of view)
life.
ii) The non-guaranteed benefits (1) and
(2) in above illustration are calculated
so that they are consistent with the Projected
Investment Rate of Return assumption of
6% p.a.(Scenario 1) and 10% p.a. (Scenario
2) respectively. In other words, in preparing
this benefit illustration, it is assumed
that the Projected Investment Rate of Return
that LICI will be able to earn throughout
the term of the policy will be 6% p.a. or
10% p.a., as the case may be. The Projected
Investment Rate of Return is not guaranteed.
iii) The main objective of the illustration
is that the client is able to appreciate
the features of the product and the flow
of benefits in different circumstances with
some level of quantification.
iv) Future bonus will depend on future profits
and as such is not guaranteed. However,
once bonus is declared in any year and added
to the policy, the bonus so added is guaranteed.
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