#REF! 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

18 78.55 73.10 68.30 64.05 60.25 56.80 53.75 50.95 48.40 46.05 43.95 41.95 40.15 38.50 36.95 35.50 34.15 32.90 31.75 30.65 29.65

19 78.80 73.35 68.50 64.25 60.45 57.00 53.95 51.15 48.60 46.25 44.10 42.15 40.35 38.65 37.10 35.65 34.30 33.05 31.90 30.80 29.80

20 79.05 73.60 68.75 64.50 60.65 57.25 54.15 51.35 48.80 46.45 44.30 42.35 40.50 38.85 37.25 35.85 34.50 33.25 32.05 30.95 29.95

21 79.30 73.85 69.00 64.70 60.90 57.45 54.35 51.55 49.00 46.65 44.50 42.50 40.70 39.00 37.45 36.00 34.65 33.40 32.25 31.15 30.10

22 79.60 74.10 69.25 64.95 61.15 57.70 54.60 51.75 49.20 46.85 44.70 42.70 40.90 39.20 37.65 36.20 34.85 33.60 32.40 31.30 30.30

23 79.90 74.40 69.55 65.20 61.40 57.95 54.80 52.00 49.40 47.05 44.90 42.90 41.10 39.40 37.85 36.35 35.00 33.75 32.60 31.50 30.50

24 80.20 74.70 69.80 65.50 61.65 58.20 55.05 52.25 49.65 47.30 45.15 43.15 41.30 39.60 38.05 36.60 35.25 33.95 32.80 31.70 30.70

25 80.55 75.00 70.10 65.80 61.90 58.45 55.30 52.50 49.90 47.55 45.35 43.35 41.50 39.80 38.25 36.80 35.45 34.20 33.00 31.95 30.90

26 80.90 75.30 70.40 66.10 62.20 58.75 55.60 52.75 50.15 47.80 45.60 43.60 41.75 40.05 38.50 37.05 35.65 34.40 33.25 32.15 31.15

27 81.25 75.65 70.75 66.40 62.50 59.05 55.90 53.00 50.40 48.05 45.85 43.85 42.00 40.30 38.75 37.30 35.90 34.65 33.50 32.40 31.40

28 81.65 76.05 71.10 66.75 62.85 59.35 56.20 53.30 50.70 48.30 46.15 44.15 42.30 40.60 39.00 37.55 36.20 34.95 33.80 32.70 31.70

29 82.05 76.40 71.50 67.10 63.20 59.70 56.50 53.65 51.00 48.60 46.45 44.40 42.55 40.85 39.30 37.85 36.50 35.25 34.05 33.00 32.00

30 82.45 76.85 71.85 67.50 63.55 60.05 56.85 53.95 51.35 48.95 46.75 44.75 42.90 41.20 39.60 38.15 36.80 35.55 34.40 33.30 32.30

31 82.90 77.25 72.30 67.85 63.95 60.40 57.20 54.30 51.70 49.30 47.10 45.05 43.20 41.50 39.95 38.50 37.15 35.90 34.70 33.65 32.65

32 83.40 77.70 72.70 68.30 64.35 60.80 57.60 54.70 52.05 49.65 47.45 45.45 43.60 41.85 40.30 38.85 37.50 36.25 35.10 34.00 33.00

33 83.90 78.20 73.20 68.75 64.75 61.20 58.00 55.10 52.45 50.05 47.85 45.80 43.95 42.25 40.70 39.25 37.90 36.65 35.50 34.40 33.40

34 84.45 78.70 73.65 69.20 65.20 61.65 58.40 55.50 52.85 50.45 48.25 46.25 44.35 42.65 41.10 39.65 38.30 37.05 35.90 34.85 33.85

35 85.00 79.25 74.15 69.70 65.70 62.10 58.90 55.95 53.30 50.90 48.70 46.65 44.80 43.10 41.55 40.10 38.75 37.50 36.35 35.30 34.30

36 85.55 79.80 74.70 70.20 66.20 62.60 59.35 56.45 53.80 51.35 49.15 47.15 45.30 43.55 42.00 40.55 39.20 37.95 36.85 35.75 34.80

37 86.20 80.35 75.30 70.75 66.75 63.15 59.90 56.95 54.30 51.90 49.65 47.65 45.80 44.10 42.50 41.05 39.70 38.50 37.35 36.30 35.30

38 86.80 81.00 75.85 71.35 67.30 63.70 60.45 57.50 54.85 52.40 50.20 48.15 46.30 44.60 43.05 41.60 40.25 39.00 37.90 36.85 35.85

39 87.50 81.65 76.50 71.95 67.90 64.30 61.05 58.10 55.40 53.00 50.75 48.75 46.90 45.20 43.60 42.15 40.85 39.60 38.45 37.45 36.45

40 88.20 82.35 77.20 72.60 68.55 64.90 61.65 58.70 56.05 53.60 51.40 49.35 47.50 45.80 44.20 42.75 41.45 40.20 39.10 38.05 37.10

41 88.95 83.05 77.90 73.30 69.25 65.60 62.30 59.35 56.70 54.25 52.00 50.00 48.15 46.40 44.85 43.40 42.10 40.90 39.75 38.75 -

42 89.75 83.85 78.65 74.05 69.95 66.30 63.00 60.05 57.35 54.95 52.70 50.65 48.80 47.10 45.55 44.10 42.80 41.60 40.50 - -

43 90.60 84.65 79.45 74.85 70.75 67.05 63.75 60.80 58.10 55.65 53.40 51.40 49.55 47.85 46.25 44.85 43.55 42.35 - - -

44 91.50 85.50 80.30 75.65 71.55 67.85 64.55 61.55 58.85 56.40 54.20 52.15 50.30 48.60 47.05 45.60 44.30 - - - -

45 92.45 86.45 81.15 76.50 72.40 68.70 65.35 62.40 59.65 57.20 55.00 52.95 51.10 49.40 47.85 46.45 - - - - -

46 93.40 87.40 82.10 77.40 73.25 69.55 66.25 63.25 60.50 58.05 55.85 53.80 51.95 50.25 48.75 - - - - - -

47 94.45 88.35 83.05 78.35 74.20 70.45 67.15 64.15 61.40 58.95 56.70 54.70 52.85 51.15 - - - - - - -

48 95.50 89.40 84.05 79.35 75.15 71.40 68.05 65.05 62.35 59.90 57.65 55.65 53.80 - - - - - - - -

49 96.60 90.45 85.10 80.35 76.15 72.40 69.05 66.05 63.30 60.85 58.60 56.60 - - - - - - - - -

50 97.70 91.55 86.15 81.40 77.20 73.45 70.05 67.05 64.30 61.85 59.65 - - - - - - - - - -

Note: The above premium rate is exclusive of Service Tax.

Annexure - 1Tabular Annual Premium Rates for Rs. 1000 Basic Sum Assured

Policy Term →

A

ge a

t en

try ←

LIC's New Jeevan Anand (Plan no. 815)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

18 - - - - - - - - - - - - - - 0.80 0.75 0.75 0.70 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60

19 - - - - - - - - - - - - - 0.85 0.85 0.80 0.75 0.75 0.75 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.60 0.60 0.60 0.60 0.60 0.60

20 - - - - - - - - - - - - 0.95 0.90 0.85 0.80 0.80 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65

21 - - - - - - - - - - - 1.00 0.95 0.90 0.90 0.85 0.80 0.80 0.80 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65

22 - - - - - - - - - - 1.10 1.05 1.00 0.95 0.90 0.90 0.85 0.80 0.80 0.80 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.65 0.65 0.65 0.65 0.65

23 - - - - - - - - - 1.25 1.15 1.10 1.05 1.00 0.95 0.90 0.90 0.85 0.85 0.80 0.80 0.75 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70

24 - - - - - - - - 1.40 1.30 1.20 1.15 1.05 1.00 0.95 0.95 0.90 0.90 0.85 0.85 0.80 0.80 0.80 0.75 0.75 0.75 0.75 0.75 0.70 0.70 0.70 0.70 0.70 0.70 0.70

25 - - - - - - - 1.60 1.45 1.35 1.25 1.15 1.10 1.05 1.00 0.95 0.95 0.90 0.90 0.85 0.85 0.80 0.80 0.80 0.80 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75

26 - - - - - - 1.85 1.65 1.50 1.40 1.30 1.20 1.15 1.10 1.05 1.00 0.95 0.95 0.90 0.90 0.85 0.85 0.85 0.80 0.80 0.80 0.80 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75

27 - - - - - 2.20 1.90 1.70 1.55 1.45 1.35 1.25 1.20 1.10 1.05 1.05 1.00 0.95 0.95 0.90 0.90 0.85 0.85 0.85 0.85 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80

28 - - - - 2.75 2.30 2.00 1.80 1.60 1.50 1.40 1.30 1.20 1.15 1.10 1.05 1.05 1.00 0.95 0.95 0.90 0.90 0.90 0.85 0.85 0.85 0.85 0.85 0.85 0.80 0.80 0.85 0.85 0.85 0.85

29 - - - 3.55 2.85 2.40 2.05 1.85 1.65 1.55 1.45 1.35 1.25 1.20 1.15 1.10 1.05 1.05 1.00 1.00 0.95 0.95 0.90 0.90 0.90 0.90 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.85 0.90

30 - - 5.10 3.70 2.95 2.50 2.15 1.90 1.75 1.60 1.50 1.40 1.30 1.25 1.20 1.15 1.10 1.05 1.05 1.00 1.00 0.95 0.95 0.95 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.95

31 - 8.80 5.30 3.85 3.05 2.60 2.25 2.00 1.80 1.65 1.55 1.45 1.35 1.30 1.25 1.20 1.15 1.10 1.05 1.05 1.00 1.00 1.00 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 1.00

32 29.90 9.15 5.50 4.00 3.20 2.70 2.35 2.05 1.85 1.70 1.60 1.50 1.40 1.35 1.30 1.25 1.20 1.15 1.10 1.10 1.05 1.05 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.05

33 31.15 9.50 5.75 4.20 3.30 2.80 2.40 2.15 1.95 1.80 1.65 1.55 1.45 1.40 1.35 1.30 1.25 1.20 1.15 1.15 1.10 1.10 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.05 1.10 1.10

34 32.40 9.90 6.00 4.35 3.45 2.90 2.50 2.25 2.05 1.85 1.75 1.60 1.55 1.45 1.40 1.35 1.30 1.25 1.20 1.15 1.15 1.15 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.15 1.15 1.15

35 33.70 10.30 6.20 4.55 3.60 3.00 2.60 2.35 2.10 1.95 1.80 1.70 1.60 1.50 1.45 1.40 1.35 1.30 1.25 1.20 1.20 1.20 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.15 1.20 1.20 1.20 1.25

36 35.05 10.70 6.45 4.70 3.75 3.15 2.70 2.40 2.20 2.00 1.85 1.75 1.65 1.55 1.50 1.45 1.40 1.35 1.30 1.25 1.25 1.25 1.20 1.20 1.20 1.20 1.20 1.20 1.20 1.25 1.25 1.25 1.30 1.30 1.30

37 36.50 11.15 6.75 4.90 3.90 3.25 2.85 2.50 2.30 2.10 1.95 1.80 1.70 1.60 1.55 1.50 1.45 1.40 1.35 1.35 1.30 1.30 1.30 1.25 1.25 1.25 1.25 1.30 1.30 1.30 1.30 1.35 1.35 1.40 1.40

38 37.95 11.60 7.00 5.10 4.05 3.40 2.95 2.60 2.35 2.15 2.00 1.90 1.80 1.70 1.60 1.55 1.50 1.45 1.40 1.40 1.35 1.35 1.35 1.35 1.35 1.35 1.35 1.35 1.35 1.40 1.40 1.45 1.45 1.50 1.50

39 39.40 12.05 7.30 5.30 4.20 3.55 3.05 2.70 2.45 2.25 2.10 1.95 1.85 1.75 1.70 1.60 1.55 1.50 1.50 1.45 1.45 1.45 1.40 1.40 1.40 1.40 1.45 1.45 1.45 1.50 1.50 1.55 1.55 1.60 1.60

40 40.95 12.55 7.55 5.50 4.40 3.65 3.20 2.80 2.55 2.35 2.15 2.05 1.90 1.85 1.75 1.70 1.65 1.60 1.55 1.55 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.55 1.55 1.60 1.60 1.65 1.65 1.70 1.75

41 42.50 13.00 7.85 5.70 4.55 3.80 3.30 2.95 2.65 2.45 2.25 2.10 2.00 1.90 1.85 1.75 1.70 1.70 1.65 1.60 1.60 1.60 1.60 1.60 1.60 1.60 1.60 1.65 1.65 1.70 1.70 1.75 1.80 1.85 -

42 44.05 13.50 8.15 5.95 4.70 3.95 3.40 3.05 2.75 2.55 2.35 2.20 2.10 2.00 1.90 1.85 1.80 1.75 1.75 1.70 1.70 1.70 1.70 1.70 1.70 1.70 1.75 1.75 1.80 1.80 1.85 1.90 1.90 - -

43 45.60 14.00 8.45 6.15 4.90 4.10 3.55 3.15 2.85 2.60 2.45 2.30 2.20 2.10 2.00 1.95 1.90 1.85 1.85 1.80 1.80 1.80 1.80 1.80 1.80 1.85 1.85 1.85 1.90 1.95 2.00 2.00 - - -

44 47.20 14.50 8.75 6.40 5.05 4.25 3.70 3.25 2.95 2.75 2.55 2.40 2.25 2.20 2.10 2.05 2.00 1.95 1.95 1.90 1.90 1.90 1.90 1.90 1.95 1.95 2.00 2.00 2.05 2.10 2.15 - - - -

45 48.75 15.00 9.10 6.60 5.25 4.40 3.80 3.40 3.10 2.85 2.65 2.50 2.40 2.30 2.20 2.15 2.10 2.05 2.05 2.00 2.00 2.00 2.05 2.05 2.05 2.10 2.10 2.15 2.20 2.25 - - - - -

46 50.30 15.50 9.40 6.85 5.45 4.55 3.95 3.50 3.20 2.95 2.75 2.60 2.50 2.40 2.30 2.25 2.20 2.20 2.15 2.15 2.15 2.15 2.15 2.20 2.20 2.25 2.25 2.30 2.35 - - - - - -

47 51.75 16.00 9.70 7.05 5.60 4.70 4.10 3.65 3.35 3.05 2.90 2.70 2.60 2.50 2.45 2.35 2.35 2.30 2.30 2.25 2.25 2.30 2.30 2.30 2.35 2.40 2.45 2.50 - - - - - - -

48 53.20 16.50 10.00 7.30 5.80 4.85 4.25 3.80 3.45 3.20 3.00 2.85 2.70 2.65 2.55 2.50 2.45 2.45 2.40 2.40 2.40 2.45 2.45 2.50 2.50 2.55 2.60 - - - - - - - -

49 54.55 16.95 10.30 7.50 6.00 5.05 4.40 3.95 3.60 3.35 3.15 2.95 2.85 2.75 2.70 2.65 2.60 2.55 2.55 2.55 2.55 2.60 2.60 2.65 2.70 2.75 - - - - - - - - -

50 55.80 17.40 10.55 7.70 6.15 5.20 4.55 4.05 3.70 3.45 3.25 3.10 3.00 2.90 2.80 2.75 2.75 2.70 2.70 2.70 2.75 2.75 2.80 2.85 2.90 - - - - - - - - - -

51 57.00 17.85 10.85 7.95 6.35 5.35 4.70 4.20 3.85 3.60 3.40 3.25 3.10 3.00 2.95 2.90 2.90 2.85 2.85 2.90 2.90 2.95 3.00 3.05 - - - - - - - - - - -

52 58.10 18.30 11.10 8.15 6.55 5.50 4.85 4.35 4.00 3.75 3.50 3.35 3.25 3.15 3.10 3.05 3.05 3.00 3.05 3.05 3.10 3.15 3.20 - - - - - - - - - - - -

53 59.10 18.70 11.40 8.35 6.70 5.70 5.00 4.50 4.15 3.85 3.65 3.50 3.40 3.30 3.25 3.20 3.20 3.20 3.20 3.25 3.30 3.35 - - - - - - - - - - - - -

54 60.00 19.05 11.65 8.55 6.90 5.85 5.15 4.65 4.25 4.00 3.80 3.65 3.55 3.45 3.40 3.35 3.35 3.35 3.40 3.45 3.50 - - - - - - - - - - - - - -

55 60.85 19.40 11.90 8.75 7.05 6.00 5.30 4.80 4.40 4.15 3.95 3.80 3.70 3.60 3.55 3.55 3.55 3.55 3.60 3.65 - - - - - - - - - - - - - - -

56 61.60 19.75 12.10 8.95 7.20 6.15 5.40 4.90 4.55 4.30 4.10 3.95 3.85 3.75 3.75 3.75 3.75 3.75 3.80 - - - - - - - - - - - - - - - -

57 62.25 20.10 12.35 9.10 7.35 6.30 5.55 5.05 4.70 4.45 4.25 4.10 4.00 3.95 3.95 3.95 3.95 4.00 - - - - - - - - - - - - - - - - -

58 62.85 20.40 12.55 9.30 7.55 6.45 5.70 5.20 4.85 4.60 4.40 4.25 4.20 4.15 4.15 4.15 4.20 - - - - - - - - - - - - - - - - - -

59 63.30 20.65 12.75 9.45 7.70 6.60 5.85 5.35 5.00 4.75 4.55 4.45 4.40 4.35 4.35 4.40 - - - - - - - - - - - - - - - - - - -

60 63.65 20.90 12.95 9.65 7.85 6.75 6.00 5.50 5.15 4.95 4.75 4.65 4.60 4.60 4.60 - - - - - - - - - - - - - - - - - - - -

61 63.90 21.15 13.15 9.80 8.00 6.90 6.20 5.70 5.35 5.10 4.95 4.90 4.85 4.85 - - - - - - - - - - - - - - - - - - - - -

62 64.00 21.40 13.30 9.95 8.15 7.05 6.35 5.85 5.55 5.35 5.20 5.15 5.15 - - - - - - - - - - - - - - - - - - - - - -

63 63.95 21.55 13.50 10.15 8.35 7.25 6.55 6.10 5.75 5.60 5.45 5.45 - - - - - - - - - - - - - - - - - - - - - - -

64 63.75 21.75 13.65 10.30 8.50 7.45 6.75 6.30 6.00 5.85 5.75 - - - - - - - - - - - - - - - - - - - - - - - -

65 63.35 21.85 13.80 10.45 8.70 7.65 6.95 6.55 6.30 6.15 - - - - - - - - - - - - - - - - - - - - - - - - -

66 62.70 21.95 13.95 10.65 8.90 7.85 7.20 6.85 6.60 - - - - - - - - - - - - - - - - - - - - - - - - - -

67 61.90 22.05 14.10 10.80 9.10 8.10 7.50 7.15 - - - - - - - - - - - - - - - - - - - - - - - - - - -

68 60.80 22.10 14.25 11.00 9.35 8.35 7.80 - - - - - - - - - - - - - - - - - - - - - - - - - - - -

69 59.45 22.10 14.40 11.20 9.60 8.65 - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

70 57.90 22.05 14.50 11.40 9.85 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

71 56.00 21.95 14.65 11.65 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

72 53.85 21.85 14.75 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

73 51.35 21.75 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

74 48.55 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Note: The above premium rate is exclusive of Service Tax.

Annexure - 2

Class - I Extra Premium Rates per Rs. 1000 Basic Sum Assured

Policy Term / Outstanding Duration on revival ------>

Ag

e a

t e

ntr

y /

re

viv

al

←

LIC's New Jeevan Anand (Plan no. 815)

Policy Term--->

Policy Year 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

3 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00% 30.00%

4 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

5 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

6 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

7 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00% 50.00%

8 54.29% 53.75% 53.33% 53.00% 52.73% 52.50% 52.31% 52.14% 52.00% 51.88% 51.76% 51.67% 51.58% 51.50% 51.43% 51.36% 51.30% 51.25% 51.20% 51.15% 51.11%

9 58.57% 57.50% 56.67% 56.00% 55.45% 55.00% 54.62% 54.29% 54.00% 53.75% 53.53% 53.33% 53.16% 53.00% 52.86% 52.73% 52.61% 52.50% 52.40% 52.31% 52.22%

10 62.86% 61.25% 60.00% 59.00% 58.18% 57.50% 56.92% 56.43% 56.00% 55.63% 55.29% 55.00% 54.74% 54.50% 54.29% 54.09% 53.91% 53.75% 53.60% 53.46% 53.33%

11 67.14% 65.00% 63.33% 62.00% 60.91% 60.00% 59.23% 58.57% 58.00% 57.50% 57.06% 56.67% 56.32% 56.00% 55.71% 55.45% 55.22% 55.00% 54.80% 54.62% 54.44%

12 71.43% 68.75% 66.67% 65.00% 63.64% 62.50% 61.54% 60.71% 60.00% 59.38% 58.82% 58.33% 57.89% 57.50% 57.14% 56.82% 56.52% 56.25% 56.00% 55.77% 55.56%

13 75.71% 72.50% 70.00% 68.00% 66.36% 65.00% 63.85% 62.86% 62.00% 61.25% 60.59% 60.00% 59.47% 59.00% 58.57% 58.18% 57.83% 57.50% 57.20% 56.92% 56.67%

14 80.00% 76.25% 73.33% 71.00% 69.09% 67.50% 66.15% 65.00% 64.00% 63.13% 62.35% 61.67% 61.05% 60.50% 60.00% 59.55% 59.13% 58.75% 58.40% 58.08% 57.78%

15 80.00% 80.00% 76.67% 74.00% 71.82% 70.00% 68.46% 67.14% 66.00% 65.00% 64.12% 63.33% 62.63% 62.00% 61.43% 60.91% 60.43% 60.00% 59.60% 59.23% 58.89%

16 80.00% 80.00% 77.00% 74.55% 72.50% 70.77% 69.29% 68.00% 66.88% 65.88% 65.00% 64.21% 63.50% 62.86% 62.27% 61.74% 61.25% 60.80% 60.38% 60.00%

17 80.00% 80.00% 77.27% 75.00% 73.08% 71.43% 70.00% 68.75% 67.65% 66.67% 65.79% 65.00% 64.29% 63.64% 63.04% 62.50% 62.00% 61.54% 61.11%

18 80.00% 80.00% 77.50% 75.38% 73.57% 72.00% 70.63% 69.41% 68.33% 67.37% 66.50% 65.71% 65.00% 64.35% 63.75% 63.20% 62.69% 62.22%

19 80.00% 80.00% 77.69% 75.71% 74.00% 72.50% 71.18% 70.00% 68.95% 68.00% 67.14% 66.36% 65.65% 65.00% 64.40% 63.85% 63.33%

20 80.00% 80.00% 77.86% 76.00% 74.38% 72.94% 71.67% 70.53% 69.50% 68.57% 67.73% 66.96% 66.25% 65.60% 65.00% 64.44%

21 80.00% 80.00% 78.00% 76.25% 74.71% 73.33% 72.11% 71.00% 70.00% 69.09% 68.26% 67.50% 66.80% 66.15% 65.56%

22 80.00% 80.00% 78.13% 76.47% 75.00% 73.68% 72.50% 71.43% 70.45% 69.57% 68.75% 68.00% 67.31% 66.67%

23 80.00% 80.00% 78.24% 76.67% 75.26% 74.00% 72.86% 71.82% 70.87% 70.00% 69.20% 68.46% 67.78%

24 80.00% 80.00% 78.33% 76.84% 75.50% 74.29% 73.18% 72.17% 71.25% 70.40% 69.62% 68.89%

25 80.00% 80.00% 78.42% 77.00% 75.71% 74.55% 73.48% 72.50% 71.60% 70.77% 70.00%

26 80.00% 80.00% 78.50% 77.14% 75.91% 74.78% 73.75% 72.80% 71.92% 71.11%

27 80.00% 80.00% 78.57% 77.27% 76.09% 75.00% 74.00% 73.08% 72.22%

28 80.00% 80.00% 78.64% 77.39% 76.25% 75.20% 74.23% 73.33%

29 80.00% 80.00% 78.70% 77.50% 76.40% 75.38% 74.44%

30 80.00% 80.00% 78.75% 77.60% 76.54% 75.56%

31 80.00% 80.00% 78.80% 77.69% 76.67%

32 80.00% 80.00% 78.85% 77.78%

33 80.00% 80.00% 78.89%

34 80.00% 80.00%

35 80.00%

Annexure - 3

Guaranteed Surrender Value factor applicable to total premiums paid

LIC's New Jeevan Anand (Plan no. 815)

Term--->

Policy Year 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

1 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

2 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

3 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61% 6.01% 6.01% 3.06% 2.00%

4 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61% 6.01% 6.01% 3.06%

5 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61% 6.01% 6.01%

6 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61% 6.01%

7 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06% 10.61%

8 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20% 12.06%

9 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13% 13.20%

10 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94% 14.13%

11 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13% 14.94%

12 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28% 15.13%

13 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42% 15.28%

14 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55% 15.42%

15 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72% 15.55%

16 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93% 15.72%

17 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22% 15.93%

18 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58% 16.22%

19 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03% 16.58%

20 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58% 17.03%

21 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58% 17.58%

22 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66% 17.58%

23 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85% 17.66%

24 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16% 17.85%

25 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60% 18.16%

26 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18% 18.60%

27 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93% 19.18%

28 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85% 19.93%

29 35.00% 30.00% 27.06% 25.05% 23.38% 21.99% 20.85%

30 35.00% 30.00% 27.06% 25.05% 23.38% 21.99%

31 35.00% 30.00% 27.06% 25.05% 23.38%

32 35.00% 30.00% 27.06% 25.05%

33 35.00% 30.00% 27.06%

34 35.00% 30.00%

35 35.00%

Annexure - 4

Surrender Value factor applicable to vested bonuses

LIC's New Jeevan Anand (Plan no. 815)

Annexure: 5 SPECIAL SURRENDER VALUE CALCULATION UNDER LIC’s NEW JEEVAN ANAND (Plan No. 815)

The procedure for determining the Special Surrender Value under this plan shall be as under:

CASE (I) Surrender during the Policy Term (excluding last policy year) STEP 1): Determining Paid-up Value (PUV): The Paid-up Value shall be determined as under:

Paid up Sum Assured (PUSA) = (T/N) X (Basic Sum Assured) Paid up Value (PUV) = PUSA + Vested Bonus

where T = Number of premiums paid N = Total number of premiums payable under the policy

STEP 2) Determine the Special Surrender Value for the Endowment Assurance Component as:

(PUV) X factor 1 ÷ 100 where factor 1 is the SSV factor taken from Table 1A, as used for Endowment Plans STEP 3) Determine the Special Surrender Value for the residual life cover component as given below:

(PUSA) X v(n-d)

X factor 2 ÷ 100 where

• n = Policy term in years

• d = Duration elapsed in years (to the nearest half-years) at Date of Surrender therefore, n – d represents the outstanding term (to the nearest half-year) at the date of surrender

• factor 2 is the SSV factor from Table 2A taken for Duration 6 years & over and Age nearest birthday at end of Policy Term

and 1 v = or (1.08)^

(-1)

(1.08) For example if n – d = 1, then v factor shall be (1.08)^

(-1) = 0.925926

n – d = 3.5, then v factor shall be (1.08)^(-3.5)

= 0.763865 n – d = 6, then v factor shall be (1.08)^

(-6) = 0.63017

The SSV payable would then be the sum of the amounts determined under STEP 2 and STEP 3 above.

CASE (II) Surrender after the expiry of Policy Term

STEP 1): Determining Paid-up Sum Assured (PUSA): The Paid-up Value shall be determined as under:

Paid up Sum Assured (PUSA) = (T/N) X (Sum Assured) where T = Number of premiums paid N = Total number of premiums payable under the policy STEP 2) Determine the SSV as

(PUSA) X factor 3 ÷ 100 where

factor 3 is the SSV factor from Table 2A taken for Duration 6 years & over and Age nearest birthday at Date of Surrender

A specimen illustration is shown below. Age at Entry: 40 years Policy Term: 15 years Bonus: As declared by LIC Sum Assured: Rs. 100000/- Special Surrender Value during the Policy Term

Special Surrender Value after the expiry of Policy Term