CAPITAL UNIT GAIN  (CUG)

FAMILY UNIT GAIN  (FUG)

Initial Management Charge:

(A) Every Year 5% Charges on 1^st Year will be deducted from Premium till Policy Term ***

(B) 2^nd and 3^rd Year Charges of 5% will be deducted from Premium for the Year

(C) Surrender Charges applicable

(A) 1^st Year Premium the Charges of 70% will be  deducted for the Year

(B) 2^nd and 3^rd Year Charges of 3% will be deducted/year

C) Surrender Charges not applicable

(D)At the end of  the 3^rd Year you have to keep 150% of your Yearly Premium amount paid till the end of the Policy Term

(D)At the end of  the 3rd Year you can withdraw the total amount and close the Policy

(E)Incase of  any claim the amount paid will be the Sum Assured or Fund Value which ever is higher

(E)Incase of any claim the amount paid will be the Sum Assured and the Fund Value as well

(F)Investments would be made in Equity Growth Fund with no restriction of Companies

(F)Investment would be made in Pure Stock Fund excluding companies dealing in Gambling, Contest, Liquor, Entertainment, Hotels, Bank, and Financial intuitions