RATE BOOKstate life

CHILD EDUCATION & MARRIAGE PLAN 75& 76

child education & marriage plan table 75& 76

child education & marriage plan .it is a plan for protection of child financial future.this plan provides coverage for a specified term. it provides a lump sum benefit for the child at the completion of the policy term. the term of the plan is such that the lump sum benefit becomes payable when the child attains of a predetermined age of 18,21,25 years. these ages may be selected considering the occasion at which children generally need financial assistance for higher education, marriage or setting up business.

the salient feature of the plan is.                                                                                                                  benefits.                                                                                                                                                                      if the policyholder dies before the expiry of the term;                                                                                             regular income benefits of RS240 per 1000 sum insured per annum is paid to the childer until the completion of the policy term. further, the future premiums under the policy are waived and the policy remains in force with full sum assured and continues to participate in state life s; surplus and receive bonuses.                                                                                                                                                                            upon the completion of the policy term, the child receives the full sum assured plus bonuses accrued over the entire term. at  this stage the child has 2 options;                                                                                                       1- receive the proceeds in a lump sum;                                                                                                                          2- receive the proceeds in 5 equal annual installments.                                                                             if the child dies before the expiry of the term;                                                                                                      the policyholder has the following 3 options;                                                                                                             1- continue the policy in the same manner as earlier by switching the plan for the benefit of the other child.                                                                                                                                                                                      2- get a refund of all the previous premium paid till the death of the child or the cash value of the policy, which ever is higher and terminate the contract.                                                                                                        3-continue the policy without naming another child in which case the benefit of refund of premium will not be available.                                                                                                                                                                   if the policyholder survives the term of the policy;                                                                                                    full sum assured to together with the accrued bonuses becomes payable to the policyholder on the maturity date.                                                                                                                                                                      child education & marriage planTABLE76                                                                                                                       this plan is similar to table 75 except that it does not incorporate an income benefit. this plan caters the needs of ensuring public where the income benefit is not required, such as grandparents who want to provide the child only the lum sum benefit at a specified date.all other benefits under the plan are same as table75

CHILD AGE12341,52,63,71,4,8
TERM2423222120191817
PAYOR AGE
2047.0948.8750.8052.9755.3757.8160.5763.66
2147.3849.1351.0753.2155.5958.0160.7363.85
2247.7049.4351.3653.4855.8358.2560.9564.05
2348.0749.7851.6653.7556.0858.4761.1764.24
2448.4750.1552.0154.0756.3858.7461.4264.49
2548.9350.5852.3854.4256.7059.0461.7064.74
26 49.4151.0352.8154.8357.0659.3762.0065.02
2749.9951.5453.3055.2457.4459.7362.3365.32
2850.6352.1353.8355.7257.8760.1462.7165.66
2951.3252.7954.4256.2958.3660.6063.1366.04
3052.1253.5255.1056.8858.9161.1063.6066.44
3153.0254.3555.8757.5959,5461.6764.1266.91
32 54.0655.3156.7358.3760.2462.3364.7067.46
3355.2356.3857.7359.2661.0463.0465.3868.07
3456.5657.6058.8360.2661.9463.8966.1368.76
3558.0658.9960.0961.4262.9764.8267.0169.54
3659.7660.5561.5462.7264.1465.9267.9870.43
3761.5162.3163.1664.1965.4867.1569.1071.45
3863.6464.0664.9965.8967.0168.5470.4072.59
3966.0766.3066.8067.7968.7570.1371.8673.92
4068.7668.8069.1469.7670.7171.9473.5175.41
4171.7971.6371.7572.1772.9574.0275.4177.15
4275.1674.7774.6974.9075.4876.1477.5479.12
4378.9078.2977.9777.9678.3278.7479.6381.31
4483.0482.1881.6281.3881.4881.6882.3483.46
4587.6386.5085.6785.1685.0284.9785.3586.24
4692.6791.2690.1589.3788.9588.6288.7589.39
47----------------96.5095.0994.0193.3092.6992.5392.87
48-------------------------------100.5399.1398.1197.1996.7296.76
49-------------------------------------------104.75103.39102.14101.34101.06
50-----------------------------------------------------109.18107.56106.42105.79
51--------------------------------------------------------------------113.49111.97110.97
52----------------------------------------------------------------------------118.00116.61
53--------------------------------------------------------------------------------------122.71
CHILD AGE2,5,93,6,104,7,115,8,126,9,137,10,148,11,15
TERM16151413121110
PAYOR AGE
2067.2271.2976.0681.6188.1495.94105.37
2167.3872.4476.2081.7388.2696.03105.46
2267.5571.6176.3481.8788.4196.17105.58
2367.7571.7876.5182.0188.5396.27105.67
2467.9771.9776.6982.1988.6796.42105.80
2568.1972.1776.8682.3688.8296.56105.92
2668.4572.4077.0982.5489.0096.69106.04
2768.7372.6577.3182.7689.1796.87106.20
2869.0372.9477.5782.9989.3897.05106.35
2969.3773.2577.8683.2589.6197.26106.53
3069.7473.5678.1583.5289.8897.49106.74
3170.1673.9378.4983.8490.1497.73106.96
3270.6374.3678.8784.1890.4798.03107.20
3371.2274.8779.3484.5990.8498.33107.48
3471.8175.4179.8385.0591.2398.69107.79
3572.5376.0380.4085.5491.6999.08108.13
3673.3076.7181.0186.1292.2099.55108.52
3774.2277.5381.7586.7892.78100.06108.96
3875.2578.4482.5887.5493.45100.66109.47
3976.4679.4983.5588.3894.22101.29110.03
4077.8080.6884.6489.3695.09102.07110.70
4179.3482.0785.8990.4996.09102.93111.44
4281.1183.6387.3091.7697.24103.95112.30
4383.1085.4288.9393.2498.55105.11113.31
4485.4087.5190.8494.96100.08106.45114.46
4587.6989.8192.9496.85101.76107.92115.73
4690.5892.4395.3299.03103.70109.66117.23
4793.7995.3897.75101.49105.91111.61118.95
4897.3898.69100.76103.79108.43113.85120.91
49101.37102.35104.15106.87110.75116.47123.12
50105.77106.44107.88110.33113.85118.83125.63
51110.58110.89112.01114.08117.30121.95128.43
52115.83115.75116.49118.21121.08125.40131.52
53121.51121.03121.37122.69125.18128.13134.90
54127.64126.71126.63127.53129.62133.18138.55
55-----------132.82132.27132.73134.38137.51142.47
56-------------138.31138.28139.47142.14146.67
57-----------------------------144.20144.89147.07151.13
58----------------150.65152.30155.85
59--------------------------157.87160.87
60----------------------------------------------------------------166.21
CHILD AGE2,5,93,6,104,7,115,8,126,9,137,10,148,11,15
TERM16151413121110
PAYOR AGE
2060.5464.7969.6775.3482.0089.9199.46
2160.5764.8169.7075.3782.0289.9499.49
2260.5964.8469.7275.3982.0589.9699.51
2360.6264.8669.7575.4182.0789.9899.53
2460.6564.8969.7775.4482.1090.0199.56
2560.6864.9269.8075.4782.1290.0399.58
2660.7264.9669.8475.5082.1690.0699.61
2760.7665.0069.8775.5482.1990.1099.64
2860.8065.0469.9275.5882.2390.1499.68
2960.8565.0969.9675.6282.2790.1899.72
3060.9065.1470.0175.6782.3290.2299.76
3160.9765.2070.0775,7282.3790.2799.81
3261.0365.2670.1375.7882.4390.3299.86
3361.1165.3470.2075.8582.4990.3999.92
3461.2065.4270.2875.9382.5690.4699.99
3561.3065.5270.3776.0282.6590.54100.06
3661.4265.6270.4776.1182.7490,62100.15
3761.5565.7570.5976.2282.8590.73100.24
3861.6965.8970.7376.3582.9790.84100.35
3961.8666.0570.8876.5083.1090.97100.84
4062.0666.2371.0576.6683.2691.12100.62
4162.2866.4571.2576.8583.4491.29100.78
4262.5366.6971.4977.0783.6591.49100.97
4362.8266.9771.7577.3283.8991.72101.19
4463.1567.2872.0577.6184.1691.98101.43
4563.5267.6472.3977.9484.4892.28101,72
4663.9468.0472.7878,3184.8492.62102.04
4764.4186.5073.2278.7485.2493.01102.41
4864.8369.0173.7279.2285.7193.45102.84
4965.5169.5774.2779.7586.2293.95103.32
5066.1570.2074.8880.3586.8094.52103.87
5166.8570.8875.5581.0187.4595.14104.47
5267.6271.6376.2981.7388.1595.83105.15
5368.4472.4477.0882.5188.9296.58105.88
5469.3373.3277.9483.3589.7597.39106.67
55-------------74.2678.8684.2690.6498.27107.53
56-------------------79.8585.2391.5899.20108.44
57------------------------------86.2692.60100.19109.41
58-----------------------------------------93.67101.24110.43
59---------------------------------------------------102.36111.52
60------------------------------------------------------------------------------------------------112.69
CHILD AGE12341,52,63,71,4,8
TERM2423222120191817
2038.8340.8343.0045.3848.0050.6153.5356.82
2138.8640.8543,0345.4148.0350.6453.5656.85
2238.8940.8943.0645.4448.0550.6753.5956.87
2338.9340.9243.0945.4748.0950.7053.6156.90
2438.9740.9643.1345.5148.1250.7353.6556.93
2539.0141.0043.1745.5448.1650.7653.6856.96
2639.0641.0543.2145.5948.2050.8053.7257.00
2739.1241.1043.2645.6448.2550.8553,7657.04
2839.1841.1643.3245.6948.3050.9053.8157.09
2939.2541.2343.3845.7548.3650.9653.8657.14
3039.3341.3043.4645.8248.4251.0253.9257.20
3139.4241,3943.5445.9048.5051.0953.9957.26
3239.5241.4843.6345.9948.5851.1754.0757.33
3339.6341.5943.7346.0948.6851.2654.1557.41
3439.7641.7243.8546.2048.7851.3654.2557.51
3539.9141.8643.9946.3348.9151.4854.3657.61
3640.0842.0244.1446.4849.0551.6154.4957.73
3740.2742.2044.3246.6449.2151.7654.6357.87
3840.4842.4144.5246.8349.3951.9454.8058.03
3940.7242.6444.7447.0549.6052.1354.9858.20
4040.9942.9044.9947.2949.8352.3655.2058.41
4141.2943.1945.2847.5750.1052.6255.4458.64
4241.6343.5245.6047.8850.4052.9155.7258.91
4342.0043.8945.9548.2350.7453.2356.0459.21
4442.4144.2946.3548.6251.1253.6056.3959.55
4542.8644.7446.7949.0551.5454.0156.7959.94
4643.3745.2347.2849.5352.0153.4757.2360.37
47------------45.7847.8150.0552.5354.9757.7360.85
48-----------------------48.4050.6453.1055.5458.2861.39
49------------------------51.2853.7356.1558.8861.98
50--------------------------------------------------------------54.4356.8359.5562.63
51--------------------------------------------------------------------------------57.5760.2863.35
52----------------------------------------------------------------------------------------61.0764.12
53--------------------------------------------------------------------------------------------64.96

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