The death benefit is claimed not to be less than 105 % of the total amount of premiums paid till the date of death. (policybazaar.com)
On death, higher of sum assured or fund value subject to a minimum of 105 % of total premium paid till date of death is payable to the nominee. (life.futuregenerali.in)
In the event of death (of child) before commencement of risk (life cover), you will get back total premiums paid till date excluding taxes and rider premium. (personalfinanceplan.in)