In
the 2nd Year the premium allocation is 90 % In the 3rd Year the premium allocation is 95 % And from the 4th year onwards the premium allocation is 97 % The Fund Management Charges are 1.25 % p.a. charged daily on the fund's value.
Discount: In case the policy term is extended to 2 years then 12.5 % discount can be availed on
2nd year premium.
Not exact matches
* You Can't Beat the Price with These Options *
PREMIUM 1 PACKAGE - inc: iPod / MP3 Media Interface Cable, Rearview Camera, Mutli -
Year Update for Navigation, Power Folding Mirrors, Auto Dimming Mirrors, Driver Memory Seat, Radio: COMAND System w / Navigation, 7.0» high resolution LCD screen w / 3D map views, enhanced voice control system, 10 GB music register, single disc CD / DVD player, Gracenote album information including cover art, SD card slot, SiriusXM traffic and SiriusXM weather w / 3 - year subscription, 115V AC Power Outlet Located in 2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, LANE TRACKING PACKAGE - inc: Lane Keeping Assist Package, Blind Spot Assist, Lane Keeping Assist, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), TRAILER HITCH - inc: 7200 lbs Class III towing capacity, PRE-WIRING FOR REAR SEAT ENTERTAINMENT - inc: power headrest in front passenger seat, KEYLESS GO, HEATED MULTIFUNCTION STEERING WHEEL, HARMAN / KARDON LOGIC 7 SURROUND SOUND SYSTEM, EUCALYPTUS WOOD TRIM - inc: Does not include a wood cover over cupholders, BRUSHED ALUMINUM RUNNING BOA
Year Update for Navigation, Power Folding Mirrors, Auto Dimming Mirrors, Driver Memory Seat, Radio: COMAND System w / Navigation, 7.0» high resolution LCD screen w / 3D map views, enhanced voice control system, 10 GB music register, single disc CD / DVD player, Gracenote album information including cover art, SD card slot, SiriusXM traffic and SiriusXM weather w / 3 -
year subscription, 115V AC Power Outlet Located in 2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, LANE TRACKING PACKAGE - inc: Lane Keeping Assist Package, Blind Spot Assist, Lane Keeping Assist, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), TRAILER HITCH - inc: 7200 lbs Class III towing capacity, PRE-WIRING FOR REAR SEAT ENTERTAINMENT - inc: power headrest in front passenger seat, KEYLESS GO, HEATED MULTIFUNCTION STEERING WHEEL, HARMAN / KARDON LOGIC 7 SURROUND SOUND SYSTEM, EUCALYPTUS WOOD TRIM - inc: Does not include a wood cover over cupholders, BRUSHED ALUMINUM RUNNING BOA
year subscription, 115V AC Power Outlet Located in
2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, LANE TRACKING PACKAGE - inc: Lane Keeping Assist Package, Blind Spot Assist, Lane Keeping Assist, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), TRAILER HITCH - inc: 7200 lbs Class III towing capacity, PRE-WIRING FOR REAR SEAT ENTERTAINMENT - inc: power headrest in front passenger seat, KEYLESS GO, HEATED MULTIFUNCTION STEERING WHEEL, HARMAN / KARDON LOGIC 7 SURROUND SOUND SYSTEM, EUCALYPTUS WOOD TRIM - inc: Does not include a wood cover over cupholders, BRUSHED ALUMINUM RUNNING BOARDS.
* This Mercedes - Benz M - Class is a Bargain with These Options *
PREMIUM 1 PACKAGE - inc: iPod / MP3 Media Interface Cable, Rearview Camera, Mutli -
Year Update for Navigation, Power Folding Mirrors, Auto Dimming Mirrors, Driver Memory Seat, Radio: COMAND System w / Navigation, 7.0» high resolution LCD screen w / 3D map views, enhanced voice control system, 10 GB music register, single disc CD / DVD player, Gracenote album information including cover art, SD card slot, SiriusXM traffic and SiriusXM weather w / 3 - year subscription, 115V AC Power Outlet Located in 2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), ANTHRACITE POPLAR WOOD TRIM - inc: a wood cover over cuphold
Year Update for Navigation, Power Folding Mirrors, Auto Dimming Mirrors, Driver Memory Seat, Radio: COMAND System w / Navigation, 7.0» high resolution LCD screen w / 3D map views, enhanced voice control system, 10 GB music register, single disc CD / DVD player, Gracenote album information including cover art, SD card slot, SiriusXM traffic and SiriusXM weather w / 3 -
year subscription, 115V AC Power Outlet Located in 2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), ANTHRACITE POPLAR WOOD TRIM - inc: a wood cover over cuphold
year subscription, 115V AC Power Outlet Located in
2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), ANTHRACITE POPLAR WOOD TRIM - inc: a wood cover over cupholders.
~ CLEAN CARFAX ~ 1 OWNER ~ ONLY 23,200 MILES & DRIVEN 7,100 MILES PER
YEAR ~ ORIGINAL MSRP WAS $ 58,400 ~ SUPER LOW MILES & LOADED ~ DELUXE TOURING PKG ~ TECHNOLOGY PKG ~ THEATER PKG ~
PREMIUM PLUS PKG ~
PREMIUM PKG ~ NAVIGATION PKG ~ DUAL POWER SUNROOF PKG ~ 20 INCH ALLOY WHEEL PKG ~ LANE DEPARTURE WARNING ~ BLIND SPOT WARNING ~ COLLISION WARNING ~ AROUND VIEW CAMERAS WITH MOVING OBJECT DETECTION ~ HEATED STEERING WHEEL ~ HEATED FRONT & REAR SEATS ~ AC / CLIMATE CONTROLLED SEATS ~ POWER REAR TAILGATE ~ 13 SPEAKER BOSE AUDIO SURROUND SOUND SYSTEM ~ SIRIUS XM ~ HANDS FREE BLUETOOTH AUDIO ~ REMOTE ENGINE STARTER ~ ALARM SYSTEM ~ TINTED GLASS * Technology Package * Active Trace Control Intelligent Cruise Control (Full - Speed Range) Eco Pedal Distance Control Assist Front - seat Pre-Crash Seat Belts Lane Departure Warning and Lane Departure Prevention Blind Spot Warning and Blind Spot Intervention ® Intelligent Brake Assist with Forward Collision Warning Backup Collision Intervention * Deluxe Touring Package * 20 x 7.5 split 5 - spoke aluminum - alloy wheels P235 / 55 -20 all - season radial tires
2nd - and 3rd - row moonroof with power sliding sunshade Climate - controlled front seats Heated
2nd - row outboard seats Power - return 3rd - row seats Maple interior accents Advanced Climate Control System Bose ® Cabin Surround ® sound system * Theater Package * Dual 7 - in.
* This Mercedes - Benz M - Class is a Bargain with These Options *
PREMIUM 1 PACKAGE - inc: iPod / MP3 Media Interface Cable, Rearview Camera, Mutli -
Year Update for Navigation, Power Folding Mirrors, Auto Dimming Mirrors, Driver Memory Seat, Radio: COMAND System w / Navigation, 7.0» high resolution LCD screen w / 3D map views, enhanced voice control system, 10 GB music register, single disc CD / DVD player, Gracenote album information including cover art, SD card slot, SiriusXM traffic and SiriusXM weather w / 3 - year subscription, 115V AC Power Outlet Located in 2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), TRAILER HITCH - inc: 7200 lbs Class III towing capacity, EUCALYPTUS WOOD TRIM - inc: Does not include a wood cover over cuphold
Year Update for Navigation, Power Folding Mirrors, Auto Dimming Mirrors, Driver Memory Seat, Radio: COMAND System w / Navigation, 7.0» high resolution LCD screen w / 3D map views, enhanced voice control system, 10 GB music register, single disc CD / DVD player, Gracenote album information including cover art, SD card slot, SiriusXM traffic and SiriusXM weather w / 3 -
year subscription, 115V AC Power Outlet Located in 2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), TRAILER HITCH - inc: 7200 lbs Class III towing capacity, EUCALYPTUS WOOD TRIM - inc: Does not include a wood cover over cuphold
year subscription, 115V AC Power Outlet Located in
2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), TRAILER HITCH - inc: 7200 lbs Class III towing capacity, EUCALYPTUS WOOD TRIM - inc: Does not include a wood cover over cupholders.
* Get Your Money's Worth for this Mercedes - Benz M - Class with These Options *
PREMIUM 1 PACKAGE - inc: iPod / MP3 Media Interface Cable, Rearview Camera, Mutli -
Year Update for Navigation, Power Folding Mirrors, Auto Dimming Mirrors, Driver Memory Seat, Radio: COMAND System w / Navigation, 7.0» high resolution LCD screen w / 3D map views, enhanced voice control system, 10 GB music register, single disc CD / DVD player, Gracenote album information including cover art, SD card slot, SiriusXM traffic and SiriusXM weather w / 3 - year subscription, 115V AC Power Outlet Located in 2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), ANTHRACITE POPLAR WOOD TRIM - inc: a wood cover over cuphold
Year Update for Navigation, Power Folding Mirrors, Auto Dimming Mirrors, Driver Memory Seat, Radio: COMAND System w / Navigation, 7.0» high resolution LCD screen w / 3D map views, enhanced voice control system, 10 GB music register, single disc CD / DVD player, Gracenote album information including cover art, SD card slot, SiriusXM traffic and SiriusXM weather w / 3 -
year subscription, 115V AC Power Outlet Located in 2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), ANTHRACITE POPLAR WOOD TRIM - inc: a wood cover over cuphold
year subscription, 115V AC Power Outlet Located in
2nd row, Power Tilt / Telescoping Steering Column, Double Sun Visors, Media Interface, SIRIUS XM Satellite Radio, SiriusXM real - time traffic and SiriusXM weather (w / 6 month trial), Auto - Dimming Side & Rearview Mirrors, WHEELS: 19» TWIN -5-SPOKE ALLOY (STD), ANTHRACITE POPLAR WOOD TRIM - inc: a wood cover over cupholders.
This Dodge Journey comes equipped with these options: TRAILER TOW PREP GROUP - inc: engine oil cooler, trailer tow w / 4 - pin connector wiring, REAR SEAT VIDEO GROUP - inc:
2nd row overhead 8 video screen, 368 - watt amplifier, (6)
premium speakers w / subwoofer, video remote control, wireless headphones, PWR EXPRESS OPEN / CLOSE SUNROOF, FLEXIBLE SEATING GROUP - inc: 160 - amp alternator,
2nd row 40/60 tip & slide bench seat, 3rd row 50/50 fold / reclining bench seat, easy entry system seat, 3 - zone auto temp control air cond, FAMILY VALUE GROUP - inc:
2nd row seat w / (2) child boosters, daytime running headlamps, ENTERTAINMENT GROUP # 2 - inc: MyGig multimedia system w / navigator, hard disc drive, 368 - watt amplifier, (6)
premium speakers w / subwoofer, Sirius satellite traffic w / 1 -
year service, ParkView rear back - up camera, UConnect hands - free communication, auto - dimming rear view mirror w / microphone, DAYTIME RUNNING HEADLAMPS, DARK SLATE GRAY / LIGHT GRAYSTONE, LEATHER LOW - BACK FRONT BUCKET SEATS, CONVENIENCE GROUP II - inc: adjustable roof rail crossbars, air filtering, cargo compartment cover, driver / passenger lower LED lamps, portable rechargeable trouble light, vehicle info center, UConnect hands - free communication, auto - dimming rear view mirror w / microphone, and BRIGHT SILVER METALLIC.
Billet Silver Metallic Clear Coat Exterior Paint, Black / Alloy Interior Colors,
Premium Audio Group, Alloy Seats, KeySense, 50 State Emissions,9 - Speed FWD Automatic Transmission, Perforated Leather Trim Bucket Seats, Uconnect 4C NAV with 8.4 - Inch Display, Overhead DVD Video by Mopar, Customer Preferred Package 27L, 3.6 L V6 24V VVT Engine with ESS, * EL, - XP, AMA, APA, CEP, DFH, ERC, GX3, NAS, PSC, UAV, XR1, YGE, 27 L, 4 EX, 5 N6, ALLOY SEATS, BILLET SILVER METALLIC CLEARCOAT, POWER 8 - WAY PASSENGER SEAT - inc: Front Passenger Auto Advance N Return Power Passenger Lumbar Adjust
2nd Row USB Charge Port, WHEELS: 17 X 7.0 ALUMINUM (STD), TRANSMISSION: 9 - SPEED 948TE FWD AUTOMATIC (STD), KEYSENSE,
PREMIUM AUDIO GROUP - inc: Disassociated Touchscreen Display Front Passenger Auto Advance N Return HD Radio 13 Alpine Speakers Active Noise Control System Power 8 - Way Passenger Seat Power Passenger Lumbar Adjust
2nd Row USB Charge Port 506 Watt Amplifier 8.4 Touchscreen Display 3rd Row USB Charge Port, BLACK / ALLOY PERFORATED LEATHER TRIM BUCKET SEATS, ENGINE: 3.6 L V6 24V VVT UPG I W / ESS (STD), RADIO: UCONNECT 4C NAV W / 8.4 DISPLAY - inc: SiriusXM Travel Link 5 -
Year SiriusXM Travel Link Service Disassociated Touchscreen Display 5 -
Year SiriusXM Traffic Service 1 -
Year SiriusXM Guardian Trial HD Radio SiriusXM Traffic Plus For Details Visit DriveUconnect.com GPS Navigation 8.4 Touchscreen Display, TIRES: P235 / 65R17 BSW AS (STD), SINGLE REAR OVERHEAD DVD SYSTEM - inc: overhead 10 LCD TFT screen single - disc DVD player AUX inputs (HDMI USB RCA Jack video camera CD MP3 and video games) 2 IR headphones and a remote control, QUICK ORDER PACKAGE 27L - inc: Engine: 3.6 L V6 24V VVT UPG I w / ESS Transmission: 9 - Speed 948TE FWD Automatic, Front Wheel Drive, Power Steering,ABS,4 - Wheel Disc Brakes, Brake Assist, Aluminum Wheels, Tires - Front All - Season, Tires - Rear All - Season, Heated Mirrors, Power Mirror (s), Rear Defrost, Privacy Glass, Intermittent Wipers, Variable Speed Intermittent Wipers, Rain Sensing Wipers, Rear Spoiler, Third Passenger Door, Fourth Passenger Door, Power Third Passenger Door, Power Fourth Passenger Door, Remote Trunk Release, Power Liftgate, Power Door Locks, Luggage Rack, Daytime Running Lights, Automatic Headlights, Fog Lamps, AM / FM Stereo, Satellite Radio, MP3 Player, Telematics, Auxiliary Audio Input, Steering Wheel Audio Controls, Power Driver Seat, Driver Adjustable Lumbar, Bucket Seats, Rear Bucket Seats, Adjustable Steering Wheel, Trip Computer, Power Windows, 3 rd Row Seat, Leather Steering Wheel, Keyless Entry, Keyless Start, Universal Garage Door Opener, Cruise Control, A / C, Rear A / C, Climate Control,Multi - Zone A / C, Leather Seats, Driver Vanity Mirror, Passenger Vanity Mirror, Driver Illuminated Vanity Mirror, Passenger Illuminated Visor Mirror, Floor Mats, Remote Engine Start, Smart Device Integration, Bluetooth Connection, Heated Front Seat (s), Engine Immobilizer, Security System, Traction Control, Stability Control, Front Side Air Bag, Blind Spot Monitor, Rear Parking Aid, Tire Pressure Monitor, Driver Air Bag, Passenger Air Bag, Front Head Air Bag, Rear Head Air Bag, Passenger Air Bag Sensor, Knee Air Bag, Child Safety Locks,Back - Up Camera
3.6 L V6 24V VVT Engine with ESS,9 - Speed FWD Automatic Transmission, Perf Leather Buckets Seats with S Logo, KeySense, 50 State Emissions, Uconnect 4C NAV with 8.4 - Inch Display, Customer Preferred Package 27L, Billet Silver Metallic Clear Coat Exterior Paint, Black / Light Diesel Gray Interior Colors, S Appearance Package,
Premium Audio Group, * FL, - X3, ADS, AMA, APA, DFH, ERC, GX3, NAS, PSC, UAV, YGE, 27 L, 4 EX, 5 N6, TIRES: P235 / 60R18 BSW AS (TV1), BILLET SILVER METALLIC CLEARCOAT, POWER 8 - WAY PASSENGER SEAT - inc: Front Passenger Auto Advance N Return Power Passenger Lumbar Adjust
2nd Row USB Charge Port, BLACK / LT DIESEL GRAY PERF LEATHER BUCKET SEATS W / S LOGO, WHEELS: 18 X 7.5 ALUMINUM BLACK NOISE, TRANSMISSION: 9 - SPEED 948TE FWD AUTOMATIC (STD), KEYSENSE, S APPEARANCE PACKAGE - inc: Body Color Door Handles Bridgestone Brand Tires Upper / Lower Grilles / Blk Surrounds
Premium Fascia S Badge Wheels: 18 x 7.5 Aluminum Black Noise Black Spear Applique - Rear Fascia Black Chrysler Grille Wing Badge Black Badging Tires: P235 / 60R18 BSW AS (TV1) Black Day Light Opening Moldings Black Stow N Place Roof Rack,
PREMIUM AUDIO GROUP - inc: Disassociated Touchscreen Display Front Passenger Auto Advance N Return HD Radio 13 Alpine Speakers Active Noise Control System Power 8 - Way Passenger Seat Power Passenger Lumbar Adjust
2nd Row USB Charge Port 506 Watt Amplifier 8.4 Touchscreen Display 3rd Row USB Charge Port, BLACK SEATS, ENGINE: 3.6 L V6 24V VVT UPG I W / ESS (STD), RADIO: UCONNECT 4C NAV W / 8.4 DISPLAY - inc: SiriusXM Travel Link 5 -
Year SiriusXM Travel Link Service Disassociated Touchscreen Display 5 -
Year SiriusXM Traffic Service 1 -
Year SiriusXM Guardian Trial HD Radio SiriusXM Traffic Plus For Details Visit DriveUconnect.com GPS Navigation 8.4 Touchscreen Display, QUICK ORDER PACKAGE 27L - inc: Engine: 3.6 L V6 24V VVT UPG I w / ESS Transmission: 9 - Speed 948TE FWD Automatic, Front Wheel Drive, Power Steering,ABS,4 - Wheel Disc Brakes, Brake Assist, Aluminum Wheels, Tires - Front All - Season, Tires - Rear All - Season, Heated Mirrors, Power Mirror (s), Rear Defrost, Privacy Glass, Intermittent Wipers, Variable Speed Intermittent Wipers, Rain Sensing Wipers, Rear Spoiler, Third Passenger Door, Fourth Passenger Door, Power Third Passenger Door, Power Fourth Passenger Door, Remote Trunk Release, Power Liftgate, Power Door Locks, Luggage Rack, Daytime Running Lights, Automatic Headlights, Fog Lamps, AM / FM Stereo, Satellite Radio, MP3 Player, Telematics, Auxiliary Audio Input, Steering Wheel Audio Controls, Power Driver Seat, Driver Adjustable Lumbar, Bucket Seats, Rear Bucket Seats, Adjustable Steering Wheel, Trip Computer, Power Windows, 3 rd Row Seat, Leather Steering Wheel, Keyless Entry, Keyless Start, Universal Garage Door Opener, Cruise Control, A / C, Rear A / C, Climate Control,Multi - Zone A / C, Leather Seats, Driver Vanity Mirror, Passenger Vanity Mirror, Driver Illuminated Vanity Mirror, Passenger Illuminated Visor Mirror, Floor Mats, Remote Engine Start, Smart Device Integration, Bluetooth Connection, Heated Front Seat (s), Engine Immobilizer, Security System, Traction Control, Stability Control, Front Side Air Bag, Blind Spot Monitor, Rear Parking Aid, Tire Pressure Monitor, Driver Air Bag, Passenger Air Bag, Front Head Air Bag, Rear Head Air Bag, Passenger Air Bag Sensor, Knee Air Bag, Child Safety Locks,Back - Up Camera
A) 30 % of
premium paid less any survival benefit already paid, if surrendered within
2nd Or 3rd
Year.
Abu Dhabi Tourism Authority (ADTA) has unveiled the third edition of Gourmet Abu Dhabi, the 16 - day annual culinary festival which runs across 13 of the emirate's fine dining outlets from February
2nd next
year and hailed the
premium event as the catalyst to its soon - to - be-launched, unique hotel and tourism food and beverage (F&B) outlets classification system.
Policy Termination or Surrender Benefit: the rider does not have any Surrender Value but the rider
premium is refunded to a certain extent only in case of Single and Limited pay options where the policy can be surrendered form the
2nd year or after 2 / 3
years respectively.
By age 37, you have paid 21,798 + 21,798 x (1 +12 %) + 21,798 x (1 +12 %) x (1 +12 %) = 73,555, i.e. returns for 2
years on 1st
premium, for 1
year or
2nd premium,... and so on.
Please note he has already paid 2
premiums and the policy is in
2nd year.
A) 30 % of
premium paid less any survival benefit already paid, if surrendered within
2nd Or 3rd
Year.
Under LIC Bima Bachat, from the
2nd year onwards, 90 % of the Single
premium paid excluding taxes, extra
premium, if any and all survival benefits paid earlier.
According to IRDA, there is a commission to be paid along with service charges to continue the post sale services of the policy under CSC and the maximum commission would 5 % of the
premium paid which is to be submitted only for the 1st
year and nothing to be deposited from
2nd year onwards.
First one at the end of policy
premium paying term and
2nd one after completing 100
years.
300000, purchased on 28.01.2007,
premium 15094 term: 21
years 2nd: sum ass.
Get 8 %, 9 % & 10 % Fixed Regular Addition of Annualized Premium, respectively in 1st
year,
2nd year and 3rd
year, onwards (Provided all due
premiums have been paid in full)
For
2nd policy
year, it is 8 % / 3.5 % / 1.5 % for the annualized
premium of Rs 50,000 to 99,999 / Rs 1,00,000 to Rs 1,99,999 / Rs 2,00,000 to Rs 2,99,999 respectively.
For Platinum Option, the Policy administration charge is 3 % / 2.45 % of annualized
premium for 1st policy
year /
2nd policy
year onwards, respectively.
Policy Administration Charge: For Gold Option, the Policy administration charge is 3.75 % / 2.85 % of annualized
premium for 1st policy
year /
2nd policy
year onwards, respectively.
The
premium allocation charge is 5.25 % / 2 % for 1st policy
year /
2nd policy
year onwards, respectively.
For regular / limited
premium payment option, it is 8.5 % / 5.7 % for 1st policy
year /
2nd to 5th policy
year, respectively.
However the policy is surrendered after paying 1st or
2nd year's
premium, there is Early Termination Value that is paid since the policy does not accrue any Surrender Value.
Policy Administration Charge: The Policy administration charge is 1.6 % of annualized
premium, subject to a maximum of Rs 6000 per annum levied from
2nd policy
year onwards.
The
premium allocation charge is 7.5 % / 5 % / 3 % during the 1st policy
year /
2nd to 5th policy
year / 6th policy
year onwards, respectively.
PAC is 2 % for top - up
premium, for regular
premium, it is 9 % / 7 % / 6 % / 2 % during the 1st /
2nd / 3rd to 10th / 11th policy
year onwards, respectively.
It is 0.02 % / 0.20 % of annual
premium during
2nd to 5th / 6th policy
year, respectively.
It is 3.75 % / 1.75 % during
2nd to 5th policy
year for the annualized
premium band of Rs 25,000 to 99,999 / Rs 100,000 to 199,999 respectively.
Policy Administration Charge: The Policy administration charge is 1 % / 0.75 % of the single
premium, subject to a maximum of Rs 6,000 p.a / Rs 4,000 p.a levied for 1st policy
year /
2nd to 5th policy
year respectively.
Under this policy, surrender value can be acquired on payment of all the due
premiums for one full policy
year and it is payable at the end of the
2nd policy
year or payable immediately on surrender, whichever occurs later.
For regular / limited pay (annual mode), the
premium allocation charge is 6 % / 5 % / 4 % / 2 % for 1st policy
year /
2nd policy
year / 3rd to 5th policy
year / 6th policy
year onwards, respectively.
The
premium allocation charge is 5 % / 3.5 % for 1st policy
year /
2nd to 5th policy
year, respectively.
A single
premium policy can be surrendered anytime from
2nd policy
year onwards.
For annual
premium band of Rs 2,50,000, the
premium allocation charge is 4.50 % / 4 % for 1st &
2nd policy
year / 3rd policy
year onwards, respectively.
Premium Allocation Charges: The
premium allocation charge as 4 % / 3 % / 2 % for 1st &
2nd policy
year / 3rd policy
year / 4th & 5th policy
year, respectively.
When opted for other mode of
premium payment, the
premium allocation charge is 5 % / 4 % / 3.5 % / 3 % / 2 % for 1st policy
year /
2nd policy
year / 3rd to 5th policy
year / 6th & 7th policy
year / 8th policy
year onwards, respectively.
For regular pay (annual mode), the
premium allocation charge is 6 % / 5 % / 4 % / 2 % for 1st policy
year /
2nd policy
year / 3rd to 5th policy
year / 6th policy
year onwards, respectively.
Under Regular / Limited Pay, for annual mode, the
Premium Allocation Charge is 8.4 % / 6.4 % / 5.4 % for 1st policy
year /
2nd to 3rd policy
year / 4th to 10th policy
year or
premium payment term (whichever is less), respectively.
For top - up
premiums, the
premium allocation charge is 1.5 % Policy Administration Charge: For Regular
Premium pay policies, the policy administration charge is 4 % of annual
premium charged from
2nd policy
year onwards.
$ 500,000 of 10
year term (the first need to go away) $ 250,000 of 20
year term (when the
2nd need might go away) and $ 250,000 of 30
year return of
premium term or straight term insurance just to cover the «at least».
For Single
Premium pay policies, it is 2.2 % of annual
premium during
2nd to 5th policy
year.
The
Premium Allocation Charge is 4.5 % / 5 % / 4 % of the annualized
premium for 1st policy
year /
2nd to 5th policy
year / 6th policy
year onwards, respectively.
The
premium allocation charge is 9 % / 7 % / 6 % / 3 % for 1st policy
year /
2nd policy
year / 3rd to 10th policy
year / 11th policy
year onwards, respectively.
From the
2nd policy
year, the policyholder can pay as low as 75 per cent of the first
year premium without any reduction in the initial sum assured.
Premium Allocation Charges (PAC):
Premium Allocation Charge is 7.5 % / 5 % / 3.5 % of the annualized
premium for the 1st
year /
2nd to 10th
year / 11th
year onwards, respectively.
If a person pays the
premium for 20-25-30
years at one go and the person dies early in the
2nd or 3rd
year itself, the insurance company will pay the sum assured but will not refund the extra
premium paid for the remainder of
years.