Benefits under the policy:

1. On Death: Sum Assured under the scheme shall be payable along with the Fund Value to the credit of individual member to the nominee of the member during continued membership of the group and currency of the policy.
   
   
2. On Retirement/Leaving Service: Fund Value to the credit of individual member shall be payable on terminal date or his cessation from the membership due to retirement, resignation etc.

Benefit Illustration: In this policy, the investment risk in investment portfolio is borne by the policy holder. Assumptions : Contribution of Rs.100 per month and sum assured of Rs. 1 lac per member. Administration Charge - 11% of premium per month per member. Fund Management Charge - 0.75% per annum. Mortality Charge - The membership of the group will be changing due to exits and new entrants. However for the purpose of this benefit illustration the population is taken as stationary and mortality cost is taken as 21.123 on the basis of 110% of Indian Assured Lives Mortality (1994-96) Ult. Table at age of 40 years including service tax @ 12.24%.

Rate of interest - 6% and 10% per annum.
 

At the end of Year	Fund Value		Sum Assured	Death Benefit		Benefit on leaving the group
	6%	10%		6%	10%	6%	10%
1	837	854	100000	100837	100854	837	854
2	1718	1787	100000	101718	101787	1718	1787
3	2645	2806	100000	102645	102806	2645	2806
4	3620	3918	100000	103620	103918	3620	3918
5	4646	5132	100000	104646	105132	4646	5132
6	5725	6457	100000	105725	106457	5725	6457
7	6861	7905	100000	106861	107905	6861	7905
8	8055	9485	100000	108055	109485	8055	9485
9	9312	11209	100000	109312	111209	9312	11209
10	10634	13093	100000	110634	113093	10634	13093
11	12026	15149	100000	112026	115149	12026	15149
12	13489	17394	100000	113489	117394	13489	17394
13	15029	19844	100000	115029	119844	15029	19844
14	16649	22520	100000	116649	122520	16649	22520
15	18353	25442	100000	118353	125442	18353	25442
16	20147	28631	100000	120147	128631	20147	28631
17	22033	32113	100000	122033	132113	22033	32113
18	24018	35915	100000	124018	135915	24018	35915
19	26106	40066	100000	126106	140066	26106	40066
20	28303	44597	100000	128303	144597	28303	44597
21	30614	49545	100000	130614	149545	30614	49545
22	33046	54947	100000	133046	154947	33046	54947
23	35604	60844	100000	135604	160844	35604	60844
24	38295	67283	100000	138295	167283	38295	67283
25	41127	74312	100000	141127	174312	41127	74312
26	44106	81987	100000	144106	181987	44106	81987
27	47240	90366	100000	147240	190366	47240	90366
28	50538	99514	100000	150538	199514	50538	99514
29	54007	109502	100000	154007	209502	54007	109502
30	57657	120406	100000	157657	220406	57657	120406

The above figures pertain to the benefit payable to individual members of the group on death & leaving the group.
*The fund value given above are indicative. Actual fund value will depend on the actual performance of the fund.
**The benefit depend on the actual performance of the fund and to that extent are not guaranteed.

Statutory Warning:
Some benefits are guaranteed and some benefits are variable with returns based on future performance of your insurer carrying on life insurance business. If your policy offers guaranteed returns, then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable returns, then the illustration on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance.