Preferred Amway HDFC Religare

(Magic Stanadard Axion

Builder)
Sum Assured High ATP*Term(10, ATP*40 30*ATP
20),
Grows 5 times
the ATP in the
6th and 11th
year

Premium Allocation Low

Charges
Death Benefit 1) SA Paid 1) SA Paid 1) SA Paid
2) Wop 2) Wop + 2) Wop
3) 50% of first Yearly Support
ATP( Till the = ATP
maturity)

Waiver of Premium? Must Yes Yes Yes

Critical Illness Rider? Must No No Yes( Extra
premium
charged for
the Same)
Yearly Support? Must 50% of first Yes [ upto No
ATP 50% of ATP]

Maturity Benefits 947,091.39 970,899.39 914,164.65

20,000/= premium
200,000/ Coverage
20 years
10% return
Does not take into account
the Wop and Yearly support
into account

Maturity Benefits 637,138.26 619,103.59 574,393.04

20,000/= premium
200,000/ Coverage
20 years
6% return
Does not take into account
the Wop and Yearly support
into account

Gurateed Additions Preferred (Policy Term 1 ATP at the No

*25%) of ATP end of policy

Add-on premium charges Low 2.00% 2.00% 3.00%

Partial Withdrawl Preferred Allowed Allowed Allowed
Mortality Charges Low Rs1.49/1000
Rs S A
Payable 2nd
year Onwards
For Age of 35
Policy admin Charges Low Rs 52.5 per
month
increasing @
5% per annum
Payable 2nd
Year Onwards

Surrender Charges Low

Rating 8 7 5

Amway Magic Builder is having 8 pionts which is highest in the segment that

Personal Assumption No legal Liablity

 LIC Max New ICICI Pru ICICI Pru Birla Sun Life Bajaj Alianz
York Life (Smart Kid (Smart Kid (Saral Child)
Maxima) Assure)
25*ATP Upto: ATP*(10 ATP*(10,15,20 Upto: 6* ATP Multiplier*ATP
or 20) ,25) ATP*Term

1) SA Paid 1) SA Paid 1) SA Paid 1) SA Paid 1) SA Paid 1) SA Paid

2) Wop 2) Wop 2) Wop 2) Wop 2) Wop 2) Wop
3) 10% of SA
every
year(max upto
10 Years only)

Yes Yes Yes Yes Yes ?

No Yes( Extra No No No ?
premium
charged for
the Same)
No 10% of Through Through No Looks like the
SA(max Upto Rider upto Rider upto lifeinsurred is
100 % of the S 10% of SA 10% of SA child?
A)
951,191.71 934,232.64 997,987.95 958,875.05 890,898.09 896,039.32

594,059.60 600,503.39 634,376.25 620,204.33 561,269.29 562,660.84

No 2*Term % of 60% of ATP 120% to 170% Guranteed Gurantted

ATP for last 6 every 5 years of ATP Additons are Additions -
years of policy starting from lesser than the but not
end of 10th above values explained
year well
1.25% 2.00% 1.00% 1.00% 2.00%
Allowed Allowed Allowed Allowed Allowed Allowed
 Rs 1.82/1000 Rs1.9/1000 Rs Rs1.9/1000 Rs
Rs of S A of S A payable of S A payable
Payable first from first year from first year
Year onwards onwards onwards

Rs 60 per Rs 80 Per Rs 80 Per

month Month Month
increasing Payable First Payable First
@5% per Year onwards Year onwards
Annum
Payable from
first month
onwards

4 7 5 5 0( Dropped 0( Dropped
due to very due to no
low coverage) clarity of life
coverage)

h is highest in the segment that’s why it is most preffered

Year Assured Premium Allocation Allocation Charges Available for Fund Value Admin
Charges investment before FMC Charges

1 30 20,000.00 30% 6,000.00 14,000.00 13,100.00 900.00

2 31 20,000.00 3% 600.00 19,400.00 31,645.54 945.00
3 32 20,000.00 3% 600.00 19,400.00 51,778.69 992.25
4 33 20,000.00 3% 600.00 19,400.00 73,658.05 1,041.86
5 34 20,000.00 3% 600.00 19,400.00 97,429.24 1,093.96
6 35 20,000.00 3% 600.00 19,400.00 123,167.07 1,148.65
7 36 20,000.00 3% 600.00 19,400.00 151,017.46 1,206.09
8 37 20,000.00 3% 600.00 19,400.00 181,256.71 1,266.39
9 38 20,000.00 3% 600.00 19,400.00 214,089.63 1,329.71
10 39 20,000.00 3% 600.00 19,400.00 249,741.31 1,396.20
11 40 20,000.00 3% 600.00 19,400.00 288,335.39 1,466.01
12 41 20,000.00 3% 600.00 19,400.00 330,091.35 1,539.31
13 42 20,000.00 3% 600.00 19,400.00 375,429.92 1,616.27
14 43 20,000.00 3% 600.00 19,400.00 424,680.62 1,697.08
15 44 20,000.00 3% 600.00 19,400.00 478,182.41 1,781.94
16 45 20,000.00 3% 600.00 19,400.00 536,296.77 1,871.04
17 46 20,000.00 3% 600.00 19,400.00 599,419.33 1,964.59
18 47 20,000.00 3% 600.00 19,400.00 667,985.38 2,062.82
19 48 20,000.00 3% 600.00 19,400.00 742,477.41 2,165.96
20 49 20,000.00 3% 600.00 19,400.00 823,420.99 2,274.26
 0.10
Risk Fund Total Service Fund Value Loyalty Surrender Death Benefit
Charges Mgmt Charges Tax @ EOY Additions Value
200000 Charges

900.00 131.00 1,931.00 196.96 13,182.04 0.00 0.00

928.00 316.46 2,189.46 223.32 33,333.81 0.00 20,000.29 200,000.00
918.00 517.79 2,428.04 247.66 55,235.98 0.00 38,665.19 200,000.00
914.00 736.58 2,692.44 274.63 79,034.72 0.00 63,227.77 200,000.00
917.00 974.29 2,985.25 304.50 104,887.90 0.00 94,399.11 200,000.00
1,093.00 1,231.67 3,473.32 354.28 132,777.00 0.00 132,777.00 200,000.00
1,113.00 1,510.17 3,829.26 390.58 163,058.90 0.00 163,058.90 200,000.00
1,138.00 1,812.57 4,216.96 430.13 195,937.49 0.00 195,937.49 200,000.00
1,166.00 2,140.90 4,636.61 472.93 231,636.91 0.00 231,636.91 200,000.00
1,195.00 2,497.41 5,088.61 519.04 270,403.39 0.00 270,403.39 200,000.00
1,470.00 2,883.35 5,819.36 593.57 312,224.00 0.00 312,224.00 200,000.00
1,526.00 3,300.91 6,366.22 649.35 357,617.56 0.00 357,617.56 200,000.00
1,559.00 3,754.30 6,929.57 706.82 406,924.17 0.00 406,924.17 200,000.00
1,590.00 4,246.81 7,533.89 768.46 460,489.88 0.00 460,489.88 200,000.00
1,633.00 4,781.82 8,196.76 836.07 518,675.29 0.00 518,675.29 200,000.00
1,686.00 5,362.97 8,920.00 909.84 581,875.12 0.00 581,875.12 200,000.00
1,747.00 5,994.19 9,705.78 989.99 650,521.29 0.00 650,521.29 200,000.00
1,809.00 6,679.85 10,551.67 1,076.27 725,091.88 0.00 725,091.88 200,000.00
1,863.00 7,424.77 11,453.73 1,168.28 806,117.61 0.00 806,117.61 200,000.00
1,919.00 8,234.21 12,427.47 1,267.60 894,164.65 20,000.00 914,164.65 200,000.00
Maturity

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
914,164.65
Year Assured Premium Allocation Allocation Charges Available for Fund Value Admin
Charges investment before FMC Charges

1 30 20,000.00 29% 5,800.00 14,200.00 13,390.00 720.00

2 31 20,000.00 5% 1,000.00 19,000.00 31,486.60 240.00
3 32 20,000.00 5% 1,000.00 19,000.00 50,743.08 247.20
4 33 20,000.00 2.5% 500.00 19,500.00 71,442.72 254.62
5 34 20,000.00 2.5% 500.00 19,500.00 93,148.85 262.25
6 35 20,000.00 2.5% 500.00 19,500.00 115,819.81 270.12
7 36 20,000.00 2.5% 500.00 19,500.00 139,476.45 278.23
8 37 20,000.00 2.5% 500.00 19,500.00 164,258.20 286.57
9 38 20,000.00 2.5% 500.00 19,500.00 190,215.39 295.17
10 39 20,000.00 2.5% 500.00 19,500.00 217,403.00 304.02
11 40 20,000.00 2.5% 500.00 19,500.00 245,757.42 313.15
12 41 20,000.00 2.5% 500.00 19,500.00 275,296.89 322.54
13 42 20,000.00 2.5% 500.00 19,500.00 306,222.50 332.22
14 43 20,000.00 2.5% 500.00 19,500.00 338,616.68 342.18
15 44 20,000.00 2.5% 500.00 19,500.00 372,546.22 352.45
16 45 20,000.00 2.5% 500.00 19,500.00 408,073.79 363.02
17 46 20,000.00 2.5% 500.00 19,500.00 445,267.28 373.91
18 47 20,000.00 2.5% 500.00 19,500.00 484,202.61 385.13
19 48 20,000.00 2.5% 500.00 19,500.00 524,968.15 396.68
20 49 20,000.00 2.5% 500.00 19,500.00 567,656.97 408.58
 0.06
Risk Fund Total Service Fund Loyalty Surrender Death Maturity
Charges Mgmt Charges Tax Value @ Additions Value Benefit
200000 Charges EOY

900.00 133.90 1,753.90 178.90 13,070.60 0.00 0.00

928.00 314.87 1,482.87 151.25 32,325.68 0.00 19,395.41 200,000.00 0.00
918.00 507.43 1,672.63 170.61 52,527.03 0.00 36,768.92 200,000.00 0.00
914.00 714.43 1,883.04 192.07 74,238.48 0.00 59,390.78 200,000.00 0.00
917.00 931.49 2,110.74 215.30 97,001.37 0.00 87,301.23 200,000.00 0.00
1,093.00 1,158.20 2,521.32 257.17 120,672.06 0.00 120,672.06 200,000.00 0.00
1,113.00 1,394.76 2,785.99 284.17 145,470.49 0.00 145,470.49 200,000.00 0.00
1,138.00 1,642.58 3,067.15 312.85 171,445.97 0.00 171,445.97 200,000.00 0.00
1,166.00 1,902.15 3,363.32 343.06 198,652.51 0.00 198,652.51 200,000.00 0.00
1,195.00 2,174.03 3,673.05 374.65 227,148.99 0.00 227,148.99 200,000.00 0.00
1,470.00 2,457.57 4,240.72 432.55 256,721.16 0.00 256,721.16 200,000.00 0.00
1,526.00 2,752.97 4,601.51 469.35 287,668.11 0.00 287,668.11 200,000.00 0.00
1,559.00 3,062.23 4,953.44 505.25 320,082.77 0.00 320,082.77 200,000.00 0.00
1,590.00 3,386.17 5,318.35 542.47 354,038.95 0.00 354,038.95 200,000.00 0.00
1,633.00 3,725.46 5,710.91 582.51 389,598.30 0.00 389,598.30 200,000.00 0.00
1,686.00 4,080.74 6,129.76 625.24 426,827.73 0.00 426,827.73 200,000.00 0.00
1,747.00 4,452.67 6,573.58 670.51 465,799.68 0.00 465,799.68 200,000.00 0.00
1,809.00 4,842.03 7,036.16 717.69 506,597.99 0.00 506,597.99 200,000.00 0.00
1,863.00 5,249.68 7,509.36 765.96 549,320.76 0.00 549,320.76 200,000.00 0.00
1,919.00 5,676.57 8,004.15 816.42 594,059.60 0.00 594,059.60 200,000.00 594,059.60
Year Assured Premium Allocation Allocation Charges Available for Fund Admin
Charges investment Value Charges
before
FMC
1 30 20,000.00 30% 6,000.00 14,000.00 13,070.00 960.00
2 31 20,000.00 15% 3,000.00 17,000.00 28,646.45 960.00
3 32 20,000.00 10% 2,000.00 18,000.00 45,973.98 960.00
4 33 20,000.00 0% 0.00 20,000.00 66,158.22 960.00
5 34 20,000.00 0% 0.00 20,000.00 87,332.01 960.00
6 35 20,000.00 -5% -1,000.00 21,000.00 110,453.07 960.00
7 36 20,000.00 -5% -1,000.00 21,000.00 134,590.66 960.00
8 37 20,000.00 -5% -1,000.00 21,000.00 159,885.96 960.00
9 38 20,000.00 -5% -1,000.00 21,000.00 186,391.18 960.00
10 39 20,000.00 -5% -1,000.00 21,000.00 214,163.27 960.00
11 40 20,000.00 -5% -1,000.00 21,000.00 243,140.68 960.00
12 41 20,000.00 -5% -1,000.00 21,000.00 273,343.85 960.00
13 42 20,000.00 -5% -1,000.00 21,000.00 304,976.16 960.00
14 43 20,000.00 -5% -1,000.00 21,000.00 338,122.45 960.00
15 44 20,000.00 -5% -1,000.00 21,000.00 372,852.09 960.00
16 45 20,000.00 -5% -1,000.00 21,000.00 409,230.40 960.00
17 46 20,000.00 -5% -1,000.00 21,000.00 447,328.11 960.00
18 47 20,000.00 -5% -1,000.00 21,000.00 487,224.13 960.00
19 48 20,000.00 -5% -1,000.00 21,000.00 529,009.93 960.00
20 49 20,000.00 -5% -1,000.00 21,000.00 572,781.89 960.00
 0.06
Risk Fund Total Service Fund Loyalty Surrender Death Maturity
Charges Mgmt Charges Tax Value @ Additions Value Benefit
200000 Charges EOY

900.00 130.70 1,990.70 203.05 12,590.45 0.00 0.00

928.00 286.46 2,174.46 221.80 28,912.98 0.00 17,347.79 200,000.00 0.00
918.00 459.74 2,337.74 238.45 47,095.22 0.00 32,966.66 200,000.00 0.00
914.00 661.58 2,535.58 258.63 68,270.51 0.00 54,616.41 200,000.00 0.00
917.00 873.32 2,750.32 280.53 90,479.57 0.00 81,431.62 200,000.00 0.00
1,093.00 1,104.53 3,157.53 322.07 114,627.16 0.00 114,627.16 200,000.00 0.00
1,113.00 1,345.91 3,418.91 348.73 139,934.96 0.00 139,934.96 200,000.00 0.00
1,138.00 1,598.86 3,696.86 377.08 166,454.18 0.00 166,454.18 200,000.00 0.00
1,166.00 1,863.91 3,989.91 406.97 194,240.77 0.00 194,240.77 200,000.00 0.00
1,195.00 2,141.63 4,296.63 438.26 223,355.68 0.00 223,355.68 200,000.00 0.00
1,470.00 2,431.41 4,861.41 495.86 253,586.85 0.00 253,586.85 200,000.00 0.00
1,526.00 2,733.44 5,219.44 532.38 285,235.66 0.00 285,235.66 200,000.00 0.00
1,559.00 3,049.76 5,568.76 568.01 318,397.45 0.00 318,397.45 200,000.00 0.00
1,590.00 3,381.22 5,931.22 604.98 353,148.59 0.00 353,148.59 200,000.00 0.00
1,633.00 3,728.52 6,321.52 644.80 389,553.40 0.00 389,553.40 200,000.00 0.00
1,686.00 4,092.30 6,738.30 687.31 427,681.61 0.00 427,681.61 200,000.00 0.00
1,747.00 4,473.28 7,180.28 732.39 467,608.63 0.00 467,608.63 200,000.00 0.00
1,809.00 4,872.24 7,641.24 779.41 509,421.43 0.00 509,421.43 200,000.00 0.00
1,863.00 5,290.10 8,113.10 827.54 553,221.39 0.00 553,221.39 200,000.00 0.00
1,919.00 5,727.82 8,606.82 877.90 599,103.59 20,000.00 619,103.59 200,000.00 619,103.59
Year Assured Premium Allocation Allocation Charges Available for Fund Admin
Charges investment Value Charges
before
FMC
1 30 20,000.00 55% 11,000.00 9,000.00 8,235.00 630.00
2 31 20,000.00 4% 800.00 19,200.00 26,122.54 661.50
3 32 20,000.00 4% 800.00 19,200.00 44,838.86 694.58
4 33 20,000.00 4% 800.00 19,200.00 64,442.64 729.30
5 34 20,000.00 4% 800.00 19,200.00 84,968.39 765.77
6 35 20,000.00 2% 400.00 19,600.00 106,768.58 804.06
7 36 20,000.00 2% 400.00 19,600.00 129,477.45 844.26
8 37 20,000.00 2% 400.00 19,600.00 153,228.75 886.47
9 38 20,000.00 2% 400.00 19,600.00 178,066.76 930.80
10 39 20,000.00 2% 400.00 19,600.00 204,040.03 977.34
11 40 20,000.00 2% 400.00 19,600.00 231,078.06 1,026.20
12 41 20,000.00 2% 400.00 19,600.00 259,191.80 1,077.51
13 42 20,000.00 2% 400.00 19,600.00 288,574.50 1,131.39
14 43 20,000.00 0% 0.00 20,000.00 319,700.29 1,187.96
15 44 20,000.00 0% 0.00 20,000.00 352,246.70 1,247.36
16 45 20,000.00 0% 0.00 20,000.00 386,267.90 1,309.72
17 46 20,000.00 0% 0.00 20,000.00 421,822.77 1,375.21
18 47 20,000.00 0% 0.00 20,000.00 458,977.59 1,443.97
19 48 20,000.00 0% 0.00 20,000.00 497,810.44 1,516.17
20 49 20,000.00 0% 0.00 20,000.00 538,403.45 1,591.98
 0.06
Risk Fund Total Service Fund Loyalty Surrender Death Maturity
Charges Mgmt Charges Tax Value @ Additions Value Benefit
200000 Charges EOY

900.00 82.35 1,612.35 164.46 7,717.29 0.00 0.00

928.00 261.23 1,850.73 188.77 26,445.14 0.00 15,867.09 200,000.00 0.00
918.00 448.39 2,060.96 210.22 46,064.29 0.00 32,245.00 200,000.00 0.00
914.00 644.43 2,287.73 233.35 66,609.77 0.00 53,287.82 200,000.00 0.00
917.00 849.68 2,532.45 258.31 88,117.11 0.00 79,305.40 200,000.00 0.00
1,093.00 1,067.69 2,964.74 302.40 110,856.08 0.00 110,856.08 200,000.00 0.00
1,113.00 1,294.77 3,252.03 331.71 134,640.99 0.00 134,640.99 200,000.00 0.00
1,138.00 1,532.29 3,556.76 362.79 159,515.16 0.00 159,515.16 200,000.00 0.00
1,166.00 1,780.67 3,877.46 395.50 185,526.20 0.00 185,526.20 200,000.00 0.00
1,195.00 2,040.40 4,212.74 429.70 212,726.17 0.00 212,726.17 200,000.00 0.00
1,470.00 2,310.78 4,806.98 490.31 240,893.55 0.00 240,893.55 200,000.00 0.00
1,526.00 2,591.92 5,195.43 529.93 270,319.69 0.00 270,319.69 200,000.00 0.00
1,559.00 2,885.75 5,576.13 568.77 301,089.26 0.00 301,089.26 200,000.00 0.00
1,590.00 3,197.00 5,974.96 609.45 333,686.87 0.00 333,686.87 200,000.00 0.00
1,633.00 3,522.47 6,402.82 653.09 367,765.76 0.00 367,765.76 200,000.00 0.00
1,686.00 3,862.68 6,858.40 699.56 403,383.88 0.00 403,383.88 200,000.00 0.00
1,747.00 4,218.23 7,340.44 748.72 440,604.08 0.00 440,604.08 200,000.00 0.00
1,809.00 4,589.78 7,842.75 799.96 479,500.03 0.00 479,500.03 200,000.00 0.00
1,863.00 4,978.10 8,357.27 852.44 520,158.94 0.00 520,158.94 200,000.00 0.00
1,919.00 5,384.03 8,895.01 907.29 562,660.84 0.00 562,660.84 200,000.00 562,660.84
Year Assured Premium Allocation Allocation Charges Available for Fund Admin
Charges investment Value Charges
before
FMC
1 30 20,000.00 30% 6,000.00 14,000.00 13,250.00 600.00
2 31 20,000.00 30% 6,000.00 14,000.00 26,746.99 630.00
3 32 20,000.00 30% 6,000.00 14,000.00 41,399.27 661.50
4 33 20,000.00 0% 0.00 20,000.00 63,327.83 694.58
5 34 20,000.00 0% 0.00 20,000.00 87,171.22 729.30
6 35 20,000.00 0% 0.00 20,000.00 113,007.26 765.77
7 36 20,000.00 0% 0.00 20,000.00 140,985.14 804.06
8 37 20,000.00 0% 0.00 20,000.00 171,384.79 844.26
9 38 20,000.00 0% 0.00 20,000.00 204,415.06 886.47
10 39 20,000.00 0% 0.00 20,000.00 240,305.42 930.80
11 40 20,000.00 0% 0.00 20,000.00 279,184.40 977.34
12 41 20,000.00 0% 0.00 20,000.00 321,276.83 1,026.20
13 42 20,000.00 0% 0.00 20,000.00 367,009.36 1,077.51
14 43 20,000.00 0% 0.00 20,000.00 416,717.97 1,131.39
15 44 20,000.00 0% 0.00 20,000.00 470,748.78 1,187.96
16 45 20,000.00 0% 0.00 20,000.00 529,471.11 1,247.36
17 46 20,000.00 0% 0.00 20,000.00 593,289.21 1,309.72
18 47 20,000.00 0% 0.00 20,000.00 662,647.83 1,375.21
19 48 20,000.00 0% 0.00 20,000.00 738,039.85 1,443.97
20 49 20,000.00 0% 0.00 20,000.00 820,002.26 1,516.17
 0.10
Risk Fund Total Service Fund Loyalty Surrender Death Maturity
Charges Mgmt Charges Tax Value @ Additions Value Benefit
200000 Charges EOY

900.00 132.50 1,632.50 166.52 13,525.99 0.00 0.00

928.00 267.47 1,825.47 186.20 28,189.02 0.00 16,913.41 200,000.00 0.00
918.00 413.99 1,993.49 203.34 44,132.11 0.00 30,892.48 200,000.00 0.00
914.00 633.28 2,241.85 228.67 67,994.37 0.00 54,395.50 200,000.00 0.00
917.00 871.71 2,518.02 256.84 93,936.64 0.00 84,542.98 200,000.00 0.00
1,093.00 1,130.07 2,988.84 304.86 121,943.66 0.00 121,943.66 200,000.00 0.00
1,113.00 1,409.85 3,326.91 339.34 152,375.92 0.00 152,375.92 200,000.00 0.00
1,138.00 1,713.85 3,696.11 377.00 185,441.29 0.00 185,441.29 200,000.00 0.00
1,166.00 2,044.15 4,096.62 417.86 221,368.32 0.00 221,368.32 200,000.00 0.00
1,195.00 2,403.05 4,528.85 461.94 260,408.07 0.00 260,408.07 200,000.00 0.00
1,470.00 2,791.84 5,239.18 534.40 302,552.93 0.00 302,552.93 200,000.00 0.00
1,526.00 3,212.77 5,764.97 588.03 348,327.61 0.00 348,327.61 200,000.00 0.00
1,559.00 3,670.09 6,306.61 643.27 398,078.67 0.00 398,078.67 200,000.00 0.00
1,590.00 4,167.18 6,888.57 702.63 452,159.26 0.00 452,159.26 200,000.00 0.00
1,633.00 4,707.49 7,528.45 767.90 510,937.79 0.00 510,937.79 200,000.00 0.00
1,686.00 5,294.71 8,228.07 839.26 574,817.57 0.00 574,817.57 200,000.00 0.00
1,747.00 5,932.89 8,989.62 916.94 644,239.94 0.00 644,239.94 200,000.00 0.00
1,809.00 6,626.48 9,810.69 1,000.69 719,693.34 0.00 719,693.34 200,000.00 0.00
1,863.00 7,380.40 10,687.37 1,090.11 801,719.84 0.00 801,719.84 200,000.00 0.00
1,919.00 8,200.02 11,635.19 1,186.79 890,898.09 0.00 890,898.09 200,000.00 890,898.09
Year Assured Premium Allocation Allocation Charges Available for Fund Admin
Charges investment Value Charges
before
FMC
1 30 20,000.00 100% 20,000.00 0.00 0.00 0.00
2 31 20,000.00 0% 0.00 20,000.00 19,056.00 960.00
3 32 20,000.00 0% 0.00 20,000.00 37,913.79 960.00
4 33 20,000.00 0% 0.00 20,000.00 57,703.25 960.00
5 34 20,000.00 0% 0.00 20,000.00 78,462.91 960.00
6 35 20,000.00 -2% -400.00 20,400.00 101,029.56 0.00
7 36 20,000.00 -2% -400.00 20,400.00 125,163.51 0.00
8 37 20,000.00 -2% -400.00 20,400.00 150,454.99 0.00
9 38 20,000.00 -2% -400.00 20,400.00 176,956.20 0.00
10 39 20,000.00 -2% -400.00 20,400.00 204,724.08 0.00
11 40 20,000.00 -2% -400.00 20,400.00 233,697.08 0.00
12 41 20,000.00 -2% -400.00 20,400.00 263,895.62 0.00
13 42 20,000.00 -2% -400.00 20,400.00 295,523.07 0.00
14 43 20,000.00 -2% -400.00 20,400.00 328,664.28 0.00
15 44 20,000.00 -2% -400.00 20,400.00 363,388.57 0.00
16 45 20,000.00 -2% -400.00 20,400.00 423,761.28 0.00
17 46 20,000.00 -2% -400.00 20,400.00 463,028.63 0.00
18 47 20,000.00 -2% -400.00 20,400.00 504,151.58 0.00
19 48 20,000.00 -2% -400.00 20,400.00 547,224.41 0.00
20 49 20,000.00 -2% -400.00 20,400.00 592,346.44 0.00
 0.06
Risk Fund Total Service Fund Loyalty Surrender Death Maturity
Charges Mgmt Charges Tax Value @ Additions Value Benefit
200000 Charges EOY

0.00 0.00 0.00 0.00 0.00 0.00 0.00

928.00 190.56 2,078.56 212.01 18,852.79 0.00 11,311.67 200,000.00 0.00
918.00 379.14 2,257.14 230.23 38,640.25 0.00 27,048.17 200,000.00 0.00
914.00 577.03 2,451.03 250.01 59,401.41 0.00 47,521.12 200,000.00 0.00
917.00 784.63 2,661.63 271.49 81,176.06 0.00 73,058.46 200,000.00 0.00
1,093.00 1,010.30 2,103.30 214.54 105,320.01 0.00 105,320.01 200,000.00 0.00
1,113.00 1,251.64 2,364.64 241.19 130,623.99 0.00 130,623.99 200,000.00 0.00
1,138.00 1,504.55 2,642.55 269.54 157,139.20 0.00 157,139.20 200,000.00 0.00
1,166.00 1,769.56 2,935.56 299.43 184,921.58 0.00 184,921.58 200,000.00 0.00
1,195.00 2,047.24 3,242.24 330.71 214,032.08 0.00 214,032.08 200,000.00 0.00
1,470.00 2,336.97 3,806.97 388.31 244,258.62 0.00 244,258.62 200,000.00 0.00
1,526.00 2,638.96 4,164.96 424.83 275,902.57 0.00 275,902.57 200,000.00 0.00
1,559.00 2,955.23 4,514.23 460.45 309,059.28 0.00 309,059.28 200,000.00 0.00
1,590.00 3,286.64 4,876.64 497.42 343,805.07 0.00 343,805.07 200,000.00 0.00
1,633.00 3,633.89 5,266.89 537.22 380,204.28 24,000.00 404,204.28 200,000.00 0.00
1,686.00 4,237.61 5,923.61 604.21 443,502.13 0.00 443,502.13 200,000.00 0.00
1,747.00 4,630.29 6,377.29 650.48 484,656.08 0.00 484,656.08 200,000.00 0.00
1,809.00 5,041.52 6,850.52 698.75 527,755.91 0.00 527,755.91 200,000.00 0.00
1,863.00 5,472.24 7,335.24 748.19 572,905.94 0.00 572,905.94 200,000.00 0.00
1,919.00 5,923.46 7,842.46 799.93 620,204.33 0.00 620,204.33 200,000.00 620,204.33
Year Assured Premium Allocation Allocation Charges Available for Fund Value Admin
Charges investment before FMC Charges

1 30 20,000.00 15% 3,000.00 17,000.00 16,070.00 960.00

2 31 20,000.00 10% 2,000.00 18,000.00 32,793.39 960.00
3 32 20,000.00 8% 1,600.00 18,400.00 50,724.03 960.00
4 33 20,000.00 6% 1,200.00 18,800.00 69,940.94 960.00
5 34 20,000.00 6% 1,200.00 18,800.00 90,100.00 960.00
6 35 20,000.00 4% 800.00 19,200.00 112,036.64 0.00
7 36 20,000.00 4% 800.00 19,200.00 135,509.71 0.00
8 37 20,000.00 4% 800.00 19,200.00 160,107.95 0.00
9 38 20,000.00 4% 800.00 19,200.00 185,881.96 0.00
10 39 20,000.00 4% 800.00 19,200.00 212,887.03 0.00
11 40 20,000.00 4% 800.00 19,200.00 253,059.85 0.00
12 41 20,000.00 4% 800.00 19,200.00 283,006.78 0.00
13 42 20,000.00 4% 800.00 19,200.00 314,370.30 0.00
14 43 20,000.00 4% 800.00 19,200.00 347,234.64 0.00
15 44 20,000.00 4% 800.00 19,200.00 381,668.51 0.00
16 45 20,000.00 4% 800.00 19,200.00 429,736.57 0.00
17 46 20,000.00 4% 800.00 19,200.00 468,096.59 0.00
18 47 20,000.00 4% 800.00 19,200.00 508,267.77 0.00
19 48 20,000.00 4% 800.00 19,200.00 550,342.21 0.00
20 49 20,000.00 4% 800.00 19,200.00 594,416.94 0.00
 0.06
Risk Fund Total Service Fund Loyalty Surrender Death Maturity
Charges Mgmt Charges Tax Value @ Additions Value Benefit
200000 Charges EOY

900.00 160.70 2,020.70 206.11 15,737.39 0.00 0.00

928.00 327.93 2,215.93 226.03 33,263.03 0.00 19,957.82 200,000.00 0.00
918.00 507.24 2,385.24 243.29 52,077.94 0.00 36,454.56 200,000.00 0.00
914.00 699.41 2,573.41 262.49 72,238.50 0.00 57,790.80 200,000.00 0.00
917.00 901.00 2,778.00 283.36 93,383.14 0.00 84,044.83 200,000.00 0.00
1,093.00 1,120.37 2,213.37 225.76 116,866.21 0.00 116,866.21 200,000.00 0.00
1,113.00 1,355.10 2,468.10 251.75 141,476.95 0.00 141,476.95 200,000.00 0.00
1,138.00 1,601.08 2,739.08 279.39 167,264.96 0.00 167,264.96 200,000.00 0.00
1,166.00 1,858.82 3,024.82 308.53 194,284.53 0.00 194,284.53 200,000.00 0.00
1,195.00 2,128.87 3,323.87 339.03 222,594.85 12,000.00 234,594.85 200,000.00 0.00
1,470.00 2,530.60 4,000.60 408.06 264,569.78 0.00 264,569.78 200,000.00 0.00
1,526.00 2,830.07 4,356.07 444.32 295,949.80 0.00 295,949.80 200,000.00 0.00
1,559.00 3,143.70 4,702.70 479.68 328,829.64 0.00 328,829.64 200,000.00 0.00
1,590.00 3,472.35 5,062.35 516.36 363,285.01 0.00 363,285.01 200,000.00 0.00
1,633.00 3,816.69 5,449.69 555.87 399,379.57 12,000.00 411,379.57 200,000.00 0.00
1,686.00 4,297.37 5,983.37 610.30 449,770.09 0.00 449,770.09 200,000.00 0.00
1,747.00 4,680.97 6,427.97 655.65 489,972.27 0.00 489,972.27 200,000.00 0.00
1,809.00 5,082.68 6,891.68 702.95 532,073.71 0.00 532,073.71 200,000.00 0.00
1,863.00 5,503.42 7,366.42 751.38 576,176.44 0.00 576,176.44 200,000.00 0.00
1,919.00 5,944.17 7,863.17 802.04 622,376.25 12,000.00 634,376.25 200,000.00 634,376.25
Year Assured Premium Allocation Allocation Charges Available for Fund Admin
Charges investment Value Charges
before
FMC
1 30 20,000.00 30% 6,000.00 14,000.00 13,250.00 600.00
2 31 20,000.00 30% 6,000.00 14,000.00 26,216.99 630.00
3 32 20,000.00 5% 1,000.00 19,000.00 44,773.43 661.50
4 33 20,000.00 5% 1,000.00 19,000.00 64,211.28 694.58
5 34 20,000.00 5% 1,000.00 19,000.00 84,564.84 729.30
6 35 20,000.00 5% 1,000.00 19,000.00 105,786.36 765.77
7 36 20,000.00 5% 1,000.00 19,000.00 127,890.27 804.06
8 37 20,000.00 5% 1,000.00 19,000.00 151,009.14 844.26
9 38 20,000.00 5% 1,000.00 19,000.00 175,186.01 886.47
10 39 20,000.00 5% 1,000.00 19,000.00 200,468.13 930.80
11 40 20,000.00 5% 1,000.00 19,000.00 226,783.66 977.34
12 41 20,000.00 5% 1,000.00 19,000.00 254,142.13 1,026.20
13 42 20,000.00 5% 1,000.00 19,000.00 282,735.33 1,077.51
14 43 20,000.00 5% 1,000.00 19,000.00 312,635.83 1,131.39
15 44 20,000.00 5% 1,000.00 19,000.00 343,899.97 1,187.96
16 45 20,000.00 5% 1,000.00 19,000.00 384,579.30 1,247.36
17 46 20,000.00 5% 1,000.00 19,000.00 427,121.75 1,309.72
18 47 20,000.00 5% 1,000.00 19,000.00 471,609.92 1,375.21
19 48 20,000.00 5% 1,000.00 19,000.00 518,138.99 1,443.97
20 49 20,000.00 5% 1,000.00 19,000.00 566,809.06 1,516.17
 0.06
Risk Fund Total Service Fund Loyalty Surrender Death Maturity
Charges Mgmt Charges Tax Value @ Additions Value Benefit
200000 Charges EOY

900.00 132.50 1,632.50 166.52 12,995.99 0.00 0.00

928.00 262.17 1,820.17 185.66 26,563.18 0.00 15,937.91 200,000.00 0.00
918.00 447.73 2,027.23 206.78 46,015.57 0.00 32,210.90 200,000.00 0.00
914.00 642.11 2,250.69 229.57 66,387.99 0.00 53,110.39 200,000.00 0.00
917.00 845.65 2,491.95 254.18 87,715.75 0.00 78,944.17 200,000.00 0.00
1,093.00 1,057.86 2,916.63 297.50 109,848.80 0.00 109,848.80 200,000.00 0.00
1,113.00 1,278.90 3,195.96 325.99 133,000.27 0.00 133,000.27 200,000.00 0.00
1,138.00 1,510.09 3,492.35 356.22 157,212.25 0.00 157,212.25 200,000.00 0.00
1,166.00 1,751.86 3,804.33 388.04 182,531.03 0.00 182,531.03 200,000.00 0.00
1,195.00 2,004.68 4,130.48 421.31 209,007.33 0.00 209,007.33 200,000.00 0.00
1,470.00 2,267.84 4,715.17 480.95 236,418.23 0.00 236,418.23 200,000.00 0.00
1,526.00 2,541.42 5,093.62 519.55 265,053.58 0.00 265,053.58 200,000.00 0.00
1,559.00 2,827.35 5,463.87 557.31 294,996.52 0.00 294,996.52 200,000.00 0.00
1,590.00 3,126.36 5,847.75 596.47 326,310.45 0.00 326,310.45 200,000.00 0.00
1,633.00 3,439.00 6,259.96 638.52 359,045.98 8,000.00 367,045.98 200,000.00 0.00
1,686.00 3,845.79 6,779.15 691.47 401,650.11 8,000.00 409,650.11 200,000.00 0.00
1,747.00 4,271.22 7,327.94 747.45 446,202.03 8,000.00 454,202.03 200,000.00 0.00
1,809.00 4,716.10 7,900.31 805.83 492,792.48 8,000.00 500,792.48 200,000.00 0.00
1,863.00 5,181.39 8,488.36 865.81 541,526.64 8,000.00 549,526.64 200,000.00 0.00
1,919.00 5,668.09 9,103.26 928.53 592,503.39 8,000.00 600,503.39 200,000.00 600,503.39
Year Assured Premium Allocation Allocation Charges Available for Fund Admin
Charges investment Value Charges
before
FMC
1 30 20,000.00 100% 20,000.00 0.00 0.00
2 31 20,000.00 5% 1,000.00 19,000.00 18,221.00 630.00
3 32 20,000.00 5% 1,000.00 19,000.00 36,385.80 661.50
4 33 20,000.00 3% 600.00 19,400.00 55,812.83 694.58
5 34 20,000.00 3% 600.00 19,400.00 76,155.03 729.30
6 35 20,000.00 3% 600.00 19,400.00 97,364.64 765.77
7 36 20,000.00 3% 600.00 19,400.00 119,456.05 804.06
8 37 20,000.00 3% 600.00 19,400.00 142,561.81 844.26
9 38 20,000.00 3% 600.00 19,400.00 166,724.93 886.47
10 39 20,000.00 3% 600.00 19,400.00 191,992.63 930.80
11 40 20,000.00 3% 600.00 19,400.00 218,293.03 977.34
12 41 20,000.00 3% 600.00 19,400.00 245,635.63 1,026.20
13 42 20,000.00 3% 600.00 19,400.00 274,212.18 1,077.51
14 43 20,000.00 3% 600.00 19,400.00 304,095.21 1,131.39
15 44 20,000.00 3% 600.00 19,400.00 335,341.04 1,187.96
16 45 20,000.00 3% 600.00 19,400.00 368,001.15 1,247.36
17 46 20,000.00 3% 600.00 19,400.00 402,131.60 1,309.72
18 47 20,000.00 3% 600.00 19,400.00 437,795.75 1,375.21
19 48 20,000.00 3% 600.00 19,400.00 475,068.61 1,443.97
20 49 20,000.00 3% 600.00 19,400.00 514,029.09 1,516.17
 0.06
Risk Fund Total Service Fund Loyalty Surrender Death Maturity
Charges Mgmt Charges Tax Value @ Additions Value Benefit
200000 Charges EOY

928.00 182.21 1,740.21 177.50 18,175.55 0.00 4,543.89 200,000.00 0.00

918.00 363.86 1,943.36 198.22 37,217.12 0.00 27,912.84 200,000.00 0.00
914.00 558.13 2,166.70 221.00 57,578.18 0.00 54,699.27 200,000.00 0.00
917.00 761.55 2,407.85 245.60 78,894.03 0.00 78,894.03 200,000.00 0.00
1,093.00 973.65 2,832.42 288.91 101,014.58 0.00 101,014.58 200,000.00 0.00
1,113.00 1,194.56 3,111.62 317.39 124,152.94 0.00 124,152.94 200,000.00 0.00
1,138.00 1,425.62 3,407.88 347.60 148,351.17 0.00 148,351.17 200,000.00 0.00
1,166.00 1,667.25 3,719.72 379.41 173,655.53 0.00 173,655.53 200,000.00 0.00
1,195.00 1,919.93 4,045.72 412.66 200,116.70 0.00 200,116.70 200,000.00 0.00
1,470.00 2,182.93 4,630.27 472.29 227,511.73 0.00 227,511.73 200,000.00 0.00
1,526.00 2,456.36 5,008.56 510.87 256,130.43 0.00 256,130.43 200,000.00 0.00
1,559.00 2,742.12 5,378.64 548.62 286,055.91 0.00 286,055.91 200,000.00 0.00
1,590.00 3,040.95 5,762.34 587.76 317,351.52 0.00 317,351.52 200,000.00 0.00
1,633.00 3,353.41 6,174.37 629.79 350,067.83 75,000.00 425,067.83 200,000.00 0.00
1,686.00 3,680.01 6,613.37 674.56 384,259.96 80,000.00 464,259.96 200,000.00 0.00
1,747.00 4,021.32 7,078.04 721.96 419,987.86 85,000.00 504,987.86 200,000.00 0.00
1,809.00 4,377.96 7,562.17 771.34 457,322.10 90,000.00 547,322.10 200,000.00 0.00
1,863.00 4,750.69 8,057.66 821.88 496,346.67 95,000.00 591,346.67 200,000.00 0.00
1,919.00 5,140.29 8,575.46 874.70 537,138.26 100,000.00 637,138.26 200,000.00 637,138.26