You can choose from 3 plan options to suit the desired protection

a. Classic : Protection with return of premium

Under this option, you pay for a chosen death benefit and on completion of policy term an amount equal to 100% of total premiums paid by you is returned. In the event of demise, the chosen death benefit is paid to your nominee.

b. Step-up : Protection with higher return of premium

Under this option, you pay for a chosen death benefit and on completion of policy term an amount up to 150% of total premiums paid by you is returned. This payout depends on the policy term chosen by you (See Table below). In the event of demise, the chosen death benefit is paid to your nominee.

Policy Term (Years) 10 - 14 Years 15 - 19 Years 20 - 24 Years 25 - 29 Years 30 Years Return of Premium 110% 120% 130% 140% 150%

c. Comprehensive : Enhanced protection with return of premium

Under this option, you choose a death benefit under Classic variant for which you pay premiums over the chosen policy term. In addition, increase the death benefit by paying additional premium. On completion of policy term, an amount equal to 100% of total premiums paid by you under Classic variant is returned to you.

In the event of demise, the total death benefit chosen under the classic variant plus the additional death benefit is paid to your nominee.

Under this plan you have to choose the option at policy inception. Once chosen, option cannot be changed during the policy term.