Sentences with phrase «year benefit factor»

For example, a policyholder with a $ 100,000 annuity who had selected and aggregate benefit limit of 300 % and a two year benefit factor would have an additional $ 200,000 available for long term care expenses after the initial $ 100,000 policy value was depleted.

Not exact matches

Policies typically range between $ 3,000 and $ 6,000 a year, depending on a variety of factors, such as sex, age, health status, maximum daily benefit, length of benefit and waiting period.

Actual results, including with respect to our targets and prospects, could differ materially due to a number of factors, including the risk that we may not obtain sufficient orders to achieve our targeted revenues; price competition in key markets; the risk that we or our channel partners are not able to develop and expand customer bases and accurately anticipate demand from end customers, which can result in increased inventory and reduced orders as we experience wide fluctuations in supply and demand; the risk that our commercial Lighting Products results will continue to suffer if new issues arise regarding issues related to product quality for this business; the risk that we may experience production difficulties that preclude us from shipping sufficient quantities to meet customer orders or that result in higher production costs and lower margins; our ability to lower costs; the risk that our results will suffer if we are unable to balance fluctuations in customer demand and capacity, including bringing on additional capacity on a timely basis to meet customer demand; the risk that longer manufacturing lead times may cause customers to fulfill their orders with a competitor's products instead; the risk that the economic and political uncertainty caused by the proposed tariffs by the United States on Chinese goods, and any corresponding Chinese tariffs in response, may negatively impact demand for our products; product mix; risks associated with the ramp - up of production of our new products, and our entry into new business channels different from those in which we have historically operated; the risk that customers do not maintain their favorable perception of our brand and products, resulting in lower demand for our products; the risk that our products fail to perform or fail to meet customer requirements or expectations, resulting in significant additional costs, including costs associated with warranty returns or the potential recall of our products; ongoing uncertainty in global economic conditions, infrastructure development or customer demand that could negatively affect product demand, collectability of receivables and other related matters as consumers and businesses may defer purchases or payments, or default on payments; risks resulting from the concentration of our business among few customers, including the risk that customers may reduce or cancel orders or fail to honor purchase commitments; the risk that we are not able to enter into acceptable contractual arrangements with the significant customers of the acquired Infineon RF Power business or otherwise not fully realize anticipated benefits of the transaction; the risk that retail customers may alter promotional pricing, increase promotion of a competitor's products over our products or reduce their inventory levels, all of which could negatively affect product demand; the risk that our investments may experience periods of significant stock price volatility causing us to recognize fair value losses on our investment; the risk posed by managing an increasingly complex supply chain that has the ability to supply a sufficient quantity of raw materials, subsystems and finished products with the required specifications and quality; the risk we may be required to record a significant charge to earnings if our goodwill or amortizable assets become impaired; risks relating to confidential information theft or misuse, including through cyber-attacks or cyber intrusion; our ability to complete development and commercialization of products under development, such as our pipeline of Wolfspeed products, improved LED chips, LED components, and LED lighting products risks related to our multi-year warranty periods for LED lighting products; risks associated with acquisitions, divestitures, joint ventures or investments generally; the rapid development of new technology and competing products that may impair demand or render our products obsolete; the potential lack of customer acceptance for our products; risks associated with ongoing litigation; and other factors discussed in our filings with the Securities and Exchange Commission (SEC), including our report on Form 10 - K for the fiscal year ended June 25, 2017, and subsequent reports filed with the SEC.

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

Provide many of these factors with competitive pay and benefits and you will have a strong, stable Sales Team for years to come.

O'Reilly highlighted other factors that could benefit a Republican challenger this year, including the support of the Republican Governors Association.

In a study set to take place over the course of a year, the Metropolitan Transportation Authority will look at factors such as ridership, current bus routes and the lines that were cut in 2010 at the height of the agency's financial crisis and will determine if changes can be made to benefit residents in the northeastern part of the borough.

IGF1 levels does not necessarily means that you're gonna get cancer.IGF1 is a metabolic pathway for growth, yes growth in general from muscle tissue, bones, even organs BUT.There is a huge difference from ingecting into yourself, artificial IGF1 HGH etc and causing you body to secrete it naturall.When i say naturally i'm not talking about animal products (i am a vegan btw except some use of honey and bee pollen) animal product consumption is linked to a numerous deseases due to saturated fats, trans fats, high concentrations of sulfuring aminos even heme iron http://www.ncbi.nlm.nih.gov/pubmed/23983135.Blaming soy protein (which btw has some great health benefits, general the soy bean) is at least wrong.Ok consuming every day 1 kg of soy probably is not good, as NOTHING is at very high quantities.Nothing wrong with natto, tempeh, tofu, soymilk, soybean, ans SPI.Asian people have been consuming soy for thousands of years without negative effects.Soy and especially SPI for people who are doing serious natural bodybuilding without use of AAS and artificial growth factors, and are also vegans believe me is a pain in the a $ $ and soy protein is maybe the ONLY type of protein that has sufficient ratios of amino acids, from bcaas to even sulfur aminos (but in normal levels not the dangerous levels linked to the homocysteine rise in the blood).

Hess's second case study focuses on the five - year - old voucher plan in Cleveland, where he finds that the potential benefits of choice and competition were neutralized by multiple factors, including frequent changes in leadership, the state's move to take over the city's schools, the modest size of the vouchers (only $ 2,250), and the existence of strong unions.

For each respondent, I calculate the present discounted value of their pension benefit at a given age of separation from teaching based on the pension plan description in Costrell and Podgursky (particularly Table 2, which shows the replacement factor for each combination of years of service and age).

Under these plans, a teacher's retirement benefit is based on a combination of factors: how many years he or she worked, some percentage (also known as a «multiplier» or «accrual factor,» for instance 2 percent), and a final average salary (FAS).

Despite years of fully funding its share of the teacher - pension plan, the proportion of the St. Louis district's budget tied up in paying benefits for its teachers now makes up about 10 percent — a factor that, coupled with other rising costs, is fueling ongoing cuts in this beleaguered district.

An opinion on how digital publishers can benefit from journal publishing services this year and the factors to take care of with publications.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with tfactors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with tfactors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with tfactors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with tFactors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with tfactors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with tfactors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with tfactors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with tFactors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.

Though the tab has treated him well for over a year, Chippy says that he's overdue for the benefits of Honeycomb in a 7 ″ form - factor.

Particularly in Brazil, the growth will hugely benefit from two factors: several eBooks vendors started selling eBooks last year and there is a possibility that the Brazilian senate is discussing a bill to «make both eBooks and dedicated E-Ink readers tax - free.»

According to the Social Security Administration, the average monthly benefit for retired workers drawing social security is $ 1,369 per month.4 When factored over 25 years, this equates to only $ 328,560.

Defined - benefit Keogh plans are set up like traditional pension plans where they are based on salary, years of employment, age and other factors but you are the one actually funding it, not an employer.

The Windfall Elimination Provision (WEP) reduces your Eligibility Year (ELY) benefit amount before it is reduced or increased due to early retirement, delayed retirement credits, cost - of - living adjustments (COLA), or other factors.

This fact sheet provides new information for each current year for many items, such as Social Security taxes and benefits and other factors of eligibility.

The impact of that factor in these cases in isolation is to reduce your annual CPP benefit when you do start it by about 2.5 % for each additional year of zero income, says Runchey.

Each person's Social Security benefit will depend on a number of factors, including earnings history and the age at which they claim benefits, but the maximum Social Security benefit for a person retiring at full retirement age in 2018 (between age 65 and age 67, depending on birth date) is $ 2,788 a month — or about $ 33,400 a year.2 To create a personalized estimate for Social Security benefits, use the Social Security Administration's Retirement Estimator.

Your average pension benefit will depend entirely on the assumptions of your employer and is determined by a calculation he makes about your income, years or service, and other factors.

Your monthly benefit amount is primarily determined by two factors: the average of what you earned during your 35 highest - earning years, and your age when you elect to begin receiving benefits.

«Over the last two years, we have focused on building a suite of innovative, low - cost ETFs that allow investors to access key markets while harnessing the time - tested benefits of a factor - diversified approach,» says Michael Crinieri, GSAM's global head of ETF strategy.

For a defined - benefit plan, benefits will be paid upon retirement based on factors such as year of service to the company, as defined by the plan.

Typically, defined - benefit plans calculate your benefits based on factors such as the number of years you've been a member of the pension plan, your average (or perhaps peak) salary, your retirement age, etc..

below is the SIP breakdown for the Rs. 10,000 / - I invest each month (I have constructed my portfolio considering factors like inception date of the fund, reputation, performance, risk - reward ratio, investment horizon 20 + years, diversification, tax benefits, overlap, industry concentration, downside protection, upside capture etc).

Employers guarantee a specific retirement benefit amount for each participant of a defined benefit plan, which can be based on the employee's salary, years of service or a number of other factors.

Three of the top factors used in evaluating a policy include the face amount (death benefit), the amount of premiums due each year on the policy, and the life expectancy of the insured.

I know it's a large investment up front, but if you factor in all the health benefits that it will offer your dog and think about the cost savings over the 10 - year period, this dog bed is a great investment.

All the math above assumes that I get absolutely no benefit from the Ambassador status other than the complimentary weekend night so, if you factor in how much I value the room upgrades and the late check - outs I get on other stays during the year, there's an argument that says my savings are even greater.

When you factor in the $ 300 travel credit, Priority Pass lounge access, and Global Entry application fee reimbursement together, these three benefits are worth $ 720 each year.

Note, that this is a rough estimate, and the equation might vary for you if you decide to figure in other benefits or travel credits, whether you choose to add an authorized user to the Chase Sapphire Reserve (which costs $ 75) or whether you factor in the lack of an annual fee for the Chase Sapphire Preferred in the first year.

The report, now in its second year, measures customer satisfaction with airline loyalty and rewards programs based on six factors (in order of importance): ease of redeeming points / miles; reward program terms; account maintenance / management; ease of earning points / miles; variety of benefits available; and customer service.

The benefit for a 5 kilowatt home system of the 30 % Federal Investment Tax Credit, combined with a 25 - year life and New Jersey's residential capacity factor of 13.5 %, implies a subsidy of $ 33 per megawatt - hour over the life of the system, based on estimates from a solar rooftop vendor.

Nuclear power would provide many other benefits as well: energy security, reliable energy supply, reduce shipping costs and energy used in shipping coal by a factor of 20,000 to 2 million, provide fresh water, no need for carbon pricing, avoid 1 million fatalities per year by 2050,... https://judithcurry.com/2012/08/17/learning-from-the-octopus/#comment-231867.

Exelon's CEO Chris Crane called for a similar recommendation in an interview with UtilityDive earlier this year: «[Nuclear] provides more benefits than just megawatts... The resiliency, fuel diversity — it's important that is factored into price formation.»

Last year, RE100 surveyed its members extensively about the drivers and benefits of their energy sourcing strategies, and found that for 88 % of respondents, the economics of renewable electricity was a key factor.

I think that this paragraph hypothesis are highly questionable: (i) in one of your comments you do take into account a 3 % discount factor to evaluate the future economic benefits of todays $ 250bn investments; why not also discounting the annual costs of the policy for the coming 87 years?

Sending New Years greetings has many benefits, most importantly the «warm fuzzy» factor.

(1) Despite sections 6 and 7, if a person becomes entitled to receive an income replacement benefit after attaining 65 years of age, the weekly amount of the benefit shall be the amount determined under section 7 multiplied by the factor set out in Column 2 of the Table to this subsection opposite the number of weeks that have elapsed since the person became entitled to receive the benefit.

The benefit in a defined benefit pension plan is determined by a formula that can incorporate the employee's pay, years of employment, age at retirement, and other factors.

On average, a healthy 30 - year old will pay almost twice as much for an Obamacare bronze plan as he or she will for a short term health insurance plan.1 One factor in the high price of Obamacare is that even entry - level bronze plans must cover ten specific health benefits, from office visits to prenatal care to psychology services.

Base Sum Assured along with the vested Simple Reversionary Bonuses shall be used to provide an annual income benefit at the end of every subsequent policy year after the premium payment term, i.e. (Base Sum Assured + vested Simple Reversionary Bonus) x Income Benefitbenefit at the end of every subsequent policy year after the premium payment term, i.e. (Base Sum Assured + vested Simple Reversionary Bonus) x Income BenefitBenefit Factor

This amount is calculated based on factors such as 35 years until retirement, tuition benefit of $ 20,000 for one child, funeral expenses of $ 5,000, and a modest income replacement.

* Death Sum Assured = 10 times of the Annualized Premium (excluding extra premium, GST and loading for modal factors, if any) or 105 % of all the premiums paid (excluding GST and extra premium, if any) as on the date of death of the Life Assured or Guaranteed Maturity Benefit (For 10 years premium payment term = 10 X Annualized Premium # and for 15 years premium payment term = 15 X Annualized Premium #) or Absolute amount assured to be paid on death (for 10 years premium payment term = 11 X annualized premium rounded up to next Rs. 1000 and for 15 years premium payment term = 16 X annualized premium rounded up to next Rs. 1000), whichever is the highest.

Death Sum Assured is highest of 10 times of Annual Premium OR 105 % of all the premium (excluding taxes and extra premiums, if any) paid as on date of death, OR Minimum Guaranteed Maturity Benefit, OR absolute amount assured to be paid on death (11 times the Annual Premium rounded up to the next «1000), where, Annual Premium refers to premium payable in a year excluding any extra premium, service tax and loading for modal factors, if any.

$ Death Sum Assured = 10 times the Annualised premium (where annualized Premium for the purpose of death sum assured refers to premium payable in a year excluding any extra premium, service tax and loading for modal factors, if any) or Guaranteed Maturity Benefit or Absolute amount assured to be paid on death (i.e. Basic Sum assured) or 105 % of all premiums paid (excluding any extra premium, and service tax, if any) as on date of death, whichever is higher.