BONUSESstate life

declared bonuses of state life

declared bonuses of state life

comparative statement of declared bonuses per 100 sum assured to with profit policies

1-bonuses under table71 are per 1000 per annum of pension payments effective form 8th policy year onwards.

2-bonuses under table 73,77 are per 1000 per annum of adjusted opening cash value. (this bonus is not paid able under minimum guaranteed surrender value)

1-2 bonuses under tables 71,73,77,are applicable only for the next valuation period

DETAIL77-7879-8081-8283-8485-8687-8889-90 FOR
1-5 YEARS
89-90
FORM 6+YEARS
WHOLE LIFE 3335384546505067
ENDOWMENT
20 YEARS & ABOVE
15 TO 19 YEARS
14 YEARS & LESS
PERSISTENCY BONUSES FORM THE 6TH POLICY YEAR ONWARDS
TERMINAL BONUSES FOR EACH YEAR IN EXCESS OF 10 YEARS (MAX.RS.800
26
18
12


2



28
19
12


3

33
22
12


7


20
38
26
12


12


20
39
27
13


14


20
42
29
14


14


20
42
29
14





20
59
46
31





20
ANTICIPATED ENDOWMENT
20 YEARS & ABOVE
15 TO 19 YEARS
14 YEARS &LESS

26
18
12

26
18
12

26
18
12

26
18
12

26
18
12

28
18
12

29
19
13

29
19
13
FAMILY INCOME BENEFIT-FIB
A-SPECIAL TERMINAL BONUS ON MATURITY ONLY FOR EACH YEARS IN EXCESS OF 10 YEARS (MAX RS 200)
B-INCREASE IN FIB IN COURSE OF PAYMENT(WEF POLICY ANNIVERSARY AFTER THE VALUATION DATE)
INSURED DIES BEFORE THE VALUATION YEAR INSURED DIES IN THE VALUATION YEARS





















8%

4%











12%

6%





10




12%

6%





10




12%

6%





10




12%

6%





10




15%

7.5%





10




15%

7.5%
personal pension scheme table 71
(effective form policy anniversary falling in the 1st year after valuation years)
see footnote below
--------------------------------------
sunherri table 73,
and shehnai table 77
policies
(effective form policy anniversary falling in the 1st year after valuation years)
see footnote below
-------------------------------------------------------------------------
DETAILS
77------------------------------------90
one time bonusone time bonuses @ Rs 40 per to all with profit policies
golden jubilee bonusgolden jubilee bonus@ RS 50 to all with profit policies
millennium bonusmillennium bonus @ RS 51 per all with profit policies
30th anniversary bonusfor whole life and endowment premium paid till December 31, per 1000 sum assured for will beRS 24 per 1000, sum in excess of 10 years subject to
details91-9291-9293-9493-9495-9695-9697-9897-9899-200099-200020012001200220022003200320042004
whole life1-5year6+ year1-5years6+year1-5years6+year1-5 year6+year1-5 year6+year1-5 year6+year1-5 year6+year1-5 year6+year1-5 year6+ year
whole life5274527952845491569856102561025610256102
endowment
20 years and above

15 to 19 years

14 years and less
persitency bonuses form the 6th policy years onward

terminal bonus for each year in excess of 10 years max rs 800

44

31

16




20

66

53

38




20

44

31

16




20

71

58

43




20

44

31

16




20

76

63

48




20

46

33

18



30

83

70

55



30

48

35

20



30

90

77

62



30

48

35

20



30

94

81

66



30

48

35

20



10

94

81

66



10

48

35

20



40

94

81

66



40

48

35

20



50

94

81

66



50
anticipated endowment

20 years and above

15 to 19 years

14years and less


31


21

15


36

26


20


31

21


15


46

36


30


31

21


15


51

41


35


33

23


17


58

48


42


35

25


19


65

55


49


35

25


19


69

59


53


35

25


19


69

59


53


35

25


19


69

59


53


35

25


19


69

59


53
family income benefits FIB
A-special terminal bonus on maturity only for each year in excess of 10 years maxRS200

B-increase in FIB in course of payment(wef policy anniversary after the valuation date)
insured die before)

the valuation year insured dies in the valuation year.


10





15%







7.5%


10





15%







7.5%


10





15%







7.5%


10





15%







7.5%


10





15%







7.5%


10





15%







7.5%


10





15%







7.5%


10





15%







7.5%







10





15%







7.5%


10





15%







7.5%


10





7.5%







7.5%


10





7.5%







7.5%


10





7.5%







7.5%


10





7.5%







7.5%


10





7.5%







7.5%


10





7.5%







7.5%


10





7.5%







7.5%


10





7.5%







7.5%
personal pension scheme table 71
(effective form policy anniversary falling in the first year after valuation year)
icfootnote
---------------------------------80808080808080808080
sunhehri table73 and shehnai table 77 policies
effective form policy anniversary falling in the first year after valuation year
footnote below
---------------------140140125125125125115115115115105105105105

One time bonus

thousand sum assured payable on death or maturity inforce as at 31.12.94 and otherwise qualifies

Golden jubilee bonus
thousand sum assured payable on death or maturity inforce as at 31.12.96 and otherwise qualifies

Millennium bonus
thousand sum assured payable on death or maturity inforce as at 31. 12. 2000 and otherwise qualifies.

30th Anniversary bonus
policies 48 per thousand sum assured for each year 2002 in excess of years. Subject to a maximum of Rs.480 anticipated endowment policies, the rate of this bonus assured for each year's premium paid till December 2002 a maximum of Rs. 240 per thousand sum assured.

DETAILS
2005
1-5 years
2005
from 6th policy
year
2006
1-5 year
2006
from 6th policy year to 16th policy year
2006
from 17th policy year onwards


WHOLE LIFE


56


102


60


102


150
ENDOWMENT
20 YEARS & ABOVE
15 TO 19 YEARS
14 YEARS & LESS
PERSISTENCY/ BONUS FROM THE 6TH POLICY ON WARD
TERMINAL BONUS FOR EACH YEAR IN EXCESS OF 10 YRS. ( MAX Rs10.0)
48
35
20





50
94
81
66





50
50
35
20





50
94
81
66





50
130
81
----





50
ANTICIPATED ENDOWMENT
20 YEARS & ABOVE
15 TO 19 YEARS
14 YEARS AND LESS

35
25
19

69
59
53

35
25
19

69
59
53

100
59
---
FAMILY INCOME BONIFIT (FIB)
a-SPECIAL TERMINAL BONUS ON MATURITY ONLY FOR EACH YEAR IN EXCESS OF 10 YEARS(MAX Rs. 200)
b-INCREASE IN FIB IN COURSE OF PAYMENT(WEF POLICY ANNIVERSARY AFTER THE VALUATION DATE


INSURED DIES BEFORE THE VALUATION YEAR


INSURED DIES IN THE VAIUATION YEAR
















10






7.5%



7.5%






10






7.5%



7.5%






10






7.5%



7.5%






10






7.5%



7.5%






10






7.5%



7.5%
PERSONAL PENSION SCHEME (TABLE 71)
EFFECTIVE FROM POLICY ANNIVERSARY FALLING IN THE FIRST YEAR AFTER VALUATION YEAR

80

80

80

80

80
SUNHERI (TABLE 73)
& SHEHNAI (TABLE 77) POLICIES
( EFFECTIVE FROM POLICY ANNIVERSARY FALLING IN THE FIRST YEAR AFTER VALUATION YEAR)





105





105





105





105





105
DETAILS 2009
1-5 YEARS
2009
FROM 6TH POLICY YEAR TO 16TH POLICY YEAR
2009
FROM I7TH POLICY YEARS ONWARDS
2010
1-5 YEARS
2010
FROM 6TH POLICY YEAR TO I6TH POLICY
YEAR S
2010
FROM 17TH POLICY YEARS ONWARDS

WHOLE
60 110 150 60 110 150
ENDOWMENT
20 YEARS & ABOVE

15 TO 19 YEARS

14 YEARS & LESS
TERMINAL BONUS FOR EACH YEAR IN
EXCESS OF 10 YEARS (MAX. Rs.IOOO )
50

35

20



-----
94

81

66



50
130

81

----



----

50

35

20



-----
94

81

66



50
130

81

---



-----
ANTICIPATED ENDOWMENT
20 YEARS &ABOVE
15 TO 19 YEARS
14 YEARS & LESS
35
25
19
69
59
53
100
59
----
35
25
19
69
59
53
100
59
---
FAMILY INCOME BENEFIT (FIB)
a- SPECIAL TERMINAL BONUS ON MATURITY ONLY FOR EACH YEAR IN EXCESS OF TEN YEARS (MAX RS. 200)

b- INCREASE IN FIB INCOURSE OF PAYMENT (wef POLICY ANNIVERSARY AFTER YHE VALUATION DATE
INSURED DIES BEFORE THE VALUATION YEAR

INSURED DIES IN THE VALUATION YEARTHE VALUATION YEAR


10

7.5%


7.5%


10

7.5%


7.5%


10

7.5%


7.5%


10

7.5%


7.5%


10

7.5%


7.5%


10

7.5%


7.5%
PERSONAL PENSION SCHEME( TABLE 71)
( EFFECTIVE FROM POLICY ANNIVERSARY FALLING IN THE FIRST YEAR AFTER VALUATION YEAR)
808080808080
SUNEHRI (TABLE 73) & SHEHNAI ( TABLE 77 ) POLICIES
(EFFECTIVE FROM POLICY ANNIVERSARY FALLING IN THE FIRST YEAR AFTER
VALUATION YEAR
105105105105105105
DETAILS 2011
1-5 YEARS
2011
FROM 6TH POLICY YEAR TO 16TH POLICY YEAR
2011
FROM I7TH POLICY YEARS ONWARDS
2012
1-5 YEARS
2012
FROM 6TH POLICY YEAR TO I6TH POLICY
YEAR S
2012
FROM 17TH POLICY YEARS ONWARDS

WHOLE
60 110 150 60 110 150
ENDOWMENT
20 YEARS & ABOVE

15 TO 19 YEARS

14 YEARS & LESS
TERMINAL BONUS FOR EACH YEAR IN
EXCESS OF 10 YEARS (MAX. Rs.IOOO )
50

35

20



-----
94

81

66



50
130

81

----



----

50

35

20



-----
94

81

66



50
130

81

---



-----
ANTICIPATED ENDOWMENT
20 YEARS &ABOVE
15 TO 19 YEARS
14 YEARS & LESS
35
25
19
69
59
53
100
59
----
35
25
19
69
59
53
100
59
---
FAMILY INCOME BENEFIT (FIB)
a- SPECIAL TERMINAL BONUS ON MATURITY ONLY FOR EACH YEAR IN EXCESS OF TEN YEARS (MAX RS. 200)

b- INCREASE IN FIB INCOURSE OF PAYMENT (wef POLICY ANNIVERSARY AFTER YHE VALUATION DATE
INSURED DIES BEFORE THE VALUATION YEAR

INSURED DIES IN THE VALUATION YEARTHE VALUATION YEAR

10

7.5%


7.5%

10

7.5%


7.5%

10

7.5%


7.5%

10

7.5%


7.5%

10

7.5%


7.5%

10

7.5%


7.5%
PERSONAL PENSION SCHEME( TABLE 71)
( EFFECTIVE FROM POLICY ANNIVERSARY FALLING IN THE FIRST YEAR AFTER VALUATION YEAR)
808080808080
SUNEHRI (TABLE 73) & SHEHNAI ( TABLE 77 ) POLICIES
(EFFECTIVE FROM POLICY ANNIVERSARY FALLING IN THE FIRST YEAR AFTER
VALUATION YEAR
105105105105105105
DETAILS 2013
1-5 YEARS
2013
FROM 6TH POLICY YEAR TO 16TH POLICY YEAR
2013
FROM I7TH POLICY YEARS ONWARDS
2014
1-5 YEARS
2014
FROM 6TH POLICY YEAR TO I6TH POLICY
YEAR S
2014
FROM 17TH POLICY YEARS ONWARDS

WHOLE
60 110 150 60 110 150
ENDOWMENT
20 YEARS & ABOVE

15 TO 19 YEARS

14 YEARS & LESS
TERMINAL BONUS FOR EACH YEAR IN
EXCESS OF 10 YEARS (MAX. Rs.IOOO )
50

35

20



-----
94

81

66



50
130

81

----



----

50

35

20



-----
94

81

66



50
130

81

---



-----
ANTICIPATED ENDOWMENT
20 YEARS &ABOVE
15 TO 19 YEARS
14 YEARS & LESS
35
25
19
69
59
53
100
59
----
35
25
19
69
59
53
100
59
---
FAMILY INCOME BENEFIT (FIB)
a- SPECIAL TERMINAL BONUS ON MATURITY ONLY FOR EACH YEAR IN EXCESS OF TEN YEARS (MAX RS. 200)

b- INCREASE IN FIB INCOURSE OF PAYMENT (wef POLICY ANNIVERSARY AFTER YHE VALUATION DATE
INSURED DIES BEFORE THE VALUATION YEAR

INSURED DIES IN THE VALUATION YEARTHE VALUATION YEAR
10

7.5%


7.5%
10

7.5%


7.5%
10

7.5%


7.5%
10

7.5%


7.5%
10

7.5%


7.5%
10

7.5%


7.5%
PERSONAL PENSION SCHEME( TABLE 71)
( EFFECTIVE FROM POLICY ANNIVERSARY FALLING IN THE FIRST YEAR AFTER VALUATION YEAR)
808080808080
SUNEHRI (TABLE 73) & SHEHNAI ( TABLE 77 ) POLICIES
(EFFECTIVE FROM POLICY ANNIVERSARY FALLING IN THE FIRST YEAR AFTER
VALUATION YEAR
105105105105105105

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