But the top - up premium should not exceed 25 per cent of total premium paid for that year. (business-standard.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)
Additionally, many insurance companies will over you a lower total premium for yearly payments as an incentive to get you to use that method. (usinsuranceagents.com)