1) Duration of the plan is for entire life or till 100 years of age.

2) Premiums cease at death or on expiry of the premium paying term whichever is earlier.

3) This plan can be availed for terms 15, 20, 25 years and Life (Age 85 minus Age at entry).

4) No Bonus is payable for first two policy years. Thereafter a bonus as declared by the company will be credited as reversionary bonus on the policy anniversary. Company may also declare terminal bonus.

5) Reversionary Bonus: The bonus would be a % of basic face amount plus accrued reversionary bonus, if any.

6) Terminal Bonus: is payable after 10th policy anniversary, would be % of accrued reversionary bonus under the policy.

7) The participation in profit under this policy continues even after premium paying term, provided premiums have been paid for full term.

8) Both Reversionary and Terminal Bonus are not guaranteed.

9) If premiums have been paid for at least 3 years then the Policy acquires a Cash Surrender Value, which shall be determined by the company from time to time. This cash surrender value will not be below the Guaranteed Cash Surrender value which is calculated as 30% of the total premiums paid up to the date of surrender excluding the first year premium and any extra premium.

10) Loan can be availed under the policy provided the policy is kept in force for 3 years (90% of the cash surrender value can be taken as loan on approval).

11) The policyholder has the option of converting the policy into a paid-up policy whereby the policy can be kept in force by reducing the face amount in accordance with the premiums paid.

12) Maximum age at entry is 70 for PPT of 15 years and Life-PPT policy, 65 for PPT of 20 years, 60 for PPT of 25 years.

13) On Payment of additional premiums any one or more of the following riders can be added to this policy - Accidental Death Benefit Rider, Term Rider, Waiver of Premium Rider, Critical Illness Rider.