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Bonus for the year
2005-2006
2004-2005
2003-2004
2002-2003
2001-2002
2000-2001
 
 
 
Bonus Info
 
'Bonus' is defined as an additional benefit in excess of the basic benefit, paid to a 'with profit life insurance policy'. It is the amount added to the basic sum assured. A 'with profit plan' enables the policyholder to participate in the profits earned by the insurance company, which are then added to the sum assured of the policy, which is either paid out when the policy matures or in the event of death of the insured.
 
The Life Insurance Corporation of India (LIC) announces bonus on its 'with profit plans' annually. This section will carry the bonus announced by the Corporation from time to time. Your search ends here if you have any queries pertaining to LIC bonus.
 

 

 

Golden Jubilee Bonus

 

To coincide with its fiftieth anniversary, the insurance mammoth, Life Insurance Corporation of India (LIC) announced a special bonus for its policyholders on September 2005. Apart from the special bonus, the corporation announced a final additional bonus for its policyholders. The proceeds will be rendered at the time of the maturity of the policy.

On account of it’s golden jubilee celebrations, the Corporation announced a generous bonus of Rs 16.82 crore. As per the bonus announcement, policyholders till March 31, 1981 would receive additional Rs 50 per 1,000 insured while policyholders between April 1981 to March 2001 would receive between Rs 45 to Rs 6 per 1,000 insured as per their year of investment. Policyholders from April 2001 to date will get Rs 5 per 1,000 insured. LIC would spend an additional Rs 2,100 crore in payment of the golden jubilee bonus to its customers.

LIC, which was formed in 1956 is one of the largest public sector undertakings in the world with an assured sum of Rs 13,21,010 crore to date. LIC has contributed significantly towards the development of infrastructure like drinking water, electricity, housing, etc.

At present, LIC has grown into a $100 billion corporation with the assets value of Rs 4,40,043 crore and the Total Life Fund being Rs 3,85,000 crore as on March 31, 2005.

 

 

 

Final (Additional) Bonus: (Assurances)

 
The Final (Additional) Bonus is payable along with the Sum Assured in addition to the reversionary and interim bonuses on participating policies resulting into claim by death or maturity during the period commencing from 1.1.2003 and ending nine months from the date of next valuation provided such participating policies are in force for the full Sum Assured at the time of claim and premiums have been paid for 15 years or more. The rates of Final (Additional) Bonus payable on participating Endowment and Whole Life Policies are given below:
 
Terms in respect of maturities / number of years premiums paid in respect of claims by death. Amount of Final (Additional) Bonus Per Rs.1000/- Sum Assured for policies With Sum Assured
 
Up to Rs.25,000
Rs.25,001 to Rs.50,000
Rs.50,001 to Rs.1,99,999
Rs.2,00,000 to Rs. 4,99,999
Rs.5,00,000  and above
15 0 0 0 0 0
16 0 0 0 0 0
17 0 0 50 60 60
18 0 0 75 90 100
19 0 50 100 120 150
20 25 100 150 180 200
21 50 150 200 240 250
22 75 200 250 300 300
23 100 250 300 350 350
24 150 325 375 400 400
25 200 400 450 475 475
26 250 475 525 550 550
27 300 550 600 625 625
28 375 625 675 700 700
29 450 700 750 775 775
30 525 750 800 850 850
31 600 800 850 900 900
32 650 850 900 950 950
33 700 900 950 1000 1000
34 750 950 1000 1050 1050
35 800 1000 1050 1100 1100
36 850 1050 1100 1150 1150
37 900 1100 1150 1200 1200
38 950 1150 1200 1250 1250
39 1000 1200 1250 1300 1300
40 & above 1100 1250 1300 1400 1400
 

No Final (Additional) Bonus is payable in respect of death claims under Anticipated Endowment and Money Back Policies for all terms as also maturities in respect of Anticipated Endowment and Money Back Policies with terms 15 years or less. In respect of maturities under Anticipated Endowment and Money Back Policies with terms 20 and 25 years the Final (Additional) Bonus payable will be Rs.25/- and Rs.40/- per thousand Sum Assured, respectively. The aforesaid rates will be applicable to policies which mature between 1.1.2003 and 9 months from the date of next valuation. The Final (Additional) Bonus is not payable in the event of the policy being "surrendered" or "discounted" before the date of maturity. It is also not payable to paid-up policies.

No Final (Additional ) Bonus is declared in respect of annuity policies.

 

 

 

SUMMARY OF VALUATION RESULTS FOR 2006-2007

 
The Simple Reversionary Bonus declared as a result of the valuation as on 31.03.2007 for with-profit policies subject to the stipulated conditions, are as under:
 
Whole Life
Rs.70 per thousand sum assured underWhole Life Assurances.
Individual Assurances
Endowment type of policies* (1) Jeevan Mitra (Double Cover), Jeevan Sathi and Limited Endowment (2) Jeevan Mitra (Triple Cover) (3)
Policy Term Policy Term Policy Term
10 & less 11 to 15 16 to 20 >20 15 16 to 20 >20 15 16 to 20 >20
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
34 38 42 48 40 44 48 40 45 50
* Under Endowment type of assurances including Jan Raksha but excluding Money Back type of plans, Jeevan Surabhi, Jeevan Mitra, Jeevan Sathi, Limited Endowment, Jeevan anand, Jeevan Rekha, Jeevan Anurag Jeevan Tarang, Jeevan Madhur, Child Career, Child Future, Jeevan Bharati and Jeevan Shree I Plans.
 
Money Back and Anticipated Endowment (4) Jeevan Surabhi (5) Jeevan Rekha (6)
Policy Term Policy Term Policy Term
12 & 15 20 25 15 20 25 10 yrs & less 11 to 15 16 to 20 >20
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
32 39 44 34 41 50 49 44 40 34
 
Jeevan Tarang (7)
Policy Term
10 15 20
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
40 44 48
 
Jeevan Anurag (8) Jeevan Anand (9)
Policy Term Policy Term
10 & Less 11 to 15 16 to 20 >20 5 6 to 10 11 to 15 16 to 20 >20
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
38 40 42 44 34 34 37 41 45
 
Jeevan Madhur (10) Child Career Plan (11) Child Future Plan (12)
Policy Term Policy Term Policy Term
10 & less 11 to 15 11 to 15 16 to 20 >20 11 to 15 16 to 20 >20
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
20 25 34 38 40 36 40 42
 
Jeevan Bharati Plan (13) Jeevan Shree I Plan (14)
Policy Term Policy Term
15 20 10 & 15 20 25
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
38 40 40 44 48
 
I) Individual Pension Plans
New Jeevan Suraksha-I New Jeevan Dhara-I
Deferment Period (Years) Deferment Period (Years)
<6 6 to 10 11 to 15 >15 <6 6 to 10 11 to 15 >15
PER THOUSAND NOTIONAL CASH OPTION
Rs.21.00 Rs.27.00 Rs.31.00 Rs.35.00 Rs.20.00 Rs.25.00 Rs.28.00 Rs.32.00
 
Place: Mumbai
Date:14/9/2007

Rs.13,209 crore Bonus from LIC to its Policy Holders for the year 2004-05

 
The Hon’ble Finance Minister Shri P. Chidambaram announced the Bonus of Life Insurance Corporation of India, on 15th November, 2005 for its policyholders for the year 2004-05 pursuant to the Actuarial Valuation as on 31st March, 2005. A surplus of Rs. 13,904.21crore has emerged as a result of valuation. Out of the Surplus declared, 95% i.e. Rs.13,209 crore is distributed as Bonus to the holders of with profit policies which were in-force as on 31st March 2005 and 5% of the surplus i.e. Rs. 695.21 crore is the share of Government of India. The number of in-force policies has gone up from 15.62 crore to 16.59 crore as on 31st March, 2005.
 

Reversionary Bonus Rates:

  • Whole Life Policies - Rs.71.00 per thousand sum assured Bonus on various plans per thousand sum assured for 16 years and above is as under. The bonus depends on term of the policy. The bonus amount is higher for long term policies. Endowment Type Policies - range from Rs. 45.00 to Rs. 50.00
  • Money Back, Anticipated Endowment - Rs.41.00 (term 20 years) & Rs.45.00 (term 25 years)
  • Jeevan Mitra, Jeevan Sathi, Limited Endowment Policies - range from Rs.46.00 to Rs.51.00
  • Jeevan Surabhi Policies - Rs.42.00 (term 20 years) and Rs.50.00 (term 25 years)
  • Jeevan Anand plan - range from Rs.43.00 to Rs.47.00
  • Jeevan Rekha Plan - range from Rs.34.00 to Rs.40.00
  • Jeevan Anurag – range from Rs. 28 to Rs. 30
  • New Jeevan Suraksha – I – range from Rs. 18 to Rs. 30 (%0 Notional Cash Option)
  • New Jeevan Dhara – I – range from Rs. 18 to Rs. 28 (%0 Notional Cash Option)
 

Final (Additional) Bonus:
In addition to the above Reversionary Bonuses, LIC has also declared Final (Additional) Bonus and Loyalty Addition to give add on value to those policyholders who keep their policies in force. The rates of Final (Additional) Bonus are upto Rs.1,400 per thousand Sum Assured depending upon term and sum assured of the policy for policies fulfilling the stipulated conditions. Also, as in the previous year, the Loyalty Addition in respect of Jeevan Shree policies maturing on completion of term upto 9 years is Rs.75 per thousand Sum Assured and with policy term 10 years at the rate of Rs.125 per thousand Sum Assured.

 

Special Reversionary Bonus:
It may be mentioned that on the 1st September, 2005, the Golden Jubilee Year celebration was inaugurated by the Hon’ble Prime Minister Dr. Manmohan Singh. On the occasion a Special Golden Jubilee Reversionary Bonus ranging from Rs. 5/- to Rs. 50/- per thousand sum assured was announced by the Hon’ble Finance Minister Shri P. Chidambaram. That bonus was in addition to the bonus now declared.

The Simple Reversionary Bonus declared as a result of the valuation for all with-profit policies subject to the stipulated conditions, are as under:

 
I) Individual Assurances
Endowment type of
policies *
(1)
Jeevan Mitra, Jeevan Sathi and Limited Endowment
(2)
Money Back and Anticipated Endowment
(3)
Jeevan Surabhi
(4)
Policy Term Policy Term Policy Term Policy Term
<11 11 to 15 16 to 20 >20
<16 16
to
20
>20
12 & 15 20 25
15 20 25
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
34  40  45  50
42  46  51
32  41   45
35   42   50

Jeevan Anand
(5)
Jeevan Rekha
(6)
Jeevan Anurag
(7)
Policy Term Policy Term Policy Term
5 6 to 10 11 to 15 16 to 20 >20
<11 11 to 15 16 to 20 >20
<11 11 to 15 16 to 20 >20
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
30   34   38   43   47
30   34   38   43   47
20   24   28   30
 
II) Individual Pension Plans
New Jeevan Suraksha -I
Deferment Period (Years)
<6 6 to 10 11 to 15 >15
Per Thousand Notional Cash Option
Rs.18.00 Rs.21.00 Rs.26.00 Rs.30.00
New Jeevan Dhara-I
Deferment Period (Years)
<6 6 to 10 11 to 15 >15
Per Thousand Notional Cash Option
Rs.18.00 Rs.20.00 Rs.24.00 Rs.28.00
 
Place : Mumbai
Date: 16.11.2005
 

 

 

Rs. 10,388 crore Bonus from LIC to its Policy Holders for the year 2003-04

 
Life Insurance Corporation of India, today announced the Bonus for its policyholders for the year 2003-04 pursuant to the Actuarial Valuation as on 31st March, 2004. A surplus of Rs. 10,93 crore has emerged as a result of valuation. Out of the Surplus declared, 95% i.e. Rs. 10,388 crore is distributed as Bonus to the holders of with profit policies which were in=force as on 31st March 2004 and 5% of the surplus i.e. Rs. 547 crore is the share of Government of India as yearly dividend. The number of in-force policies has gone up from 14.11 crore to 15.62 crore as on 31st March, 2004, registering a growth of 10.7%.
 
Reversionary Bonus Rates:
  • Whole Life Polices – Rs. 80.00 per thousand sum assured Bonus on various plans per thousand sum assured for 16 years and above is as under. The bonus depends on term of the policy. The bonus amount is higher for long term policies.
  • Endowment Two Policies – range from Rs. 51.00 to Rs. 57.00
  • Money Back, Anticipated Endowment – Rs. 46.00 (term 20 years) & Rs. 51.00 (term 25 years)
  • Jeevan Mitra, Jeevan Sathi, Limited Endowment Policies – range from Rs. 52.00 to Rs. 58.00
  • Jeevan Surabhi Policies – Rs. 48.00 (term 20 years) and Rs. 57.00 (term 25 years)
  • Jeevan Anand Plan – range from Rs. 49.00 to Rs. 53.00
  • Jeevan Rekha Plan – range form Rs. 39.00 to Rs. 45.00
 

The Bonus rates declared by the Corporation show a marginal adjustment over last year because of the fall in average yield on investments owing to overall declining interest rate scenario.

 

Bonus on Pension Plans:
The special feature of the valuation is declaration of bonus for the Individual Pension Plans – New Jeevan Dhara – I & New Jeevan Suraksha – I ranging from Rs. 18.00 to Rs. 24.00 per thousand Notional Cash Option.

 

Additional Bonus:
In addition to the above Reversionary Bonuses, LIC has also declared Final Additional Bonus and Loyalty Addition to give add on value to those policyholders who keep their policies in force. The rates of Final (Additional) Bonus are upto Rs. 1,400 per thousand Sum Assured depending upon term and sum assured of the policy for polices fulfilling the stipulated conditions. Also, as in the previous year, the Loyalty Addition in respect of Jeevan Shree policies maturing on completion of 5 years’ term is Rs. 75 per thousand Sum Assured and with policy term 10 years at the rate of Rs. 125 per thousand Sum Assured.

The Simple Reversionary Bonus declared as a result of the valuation for all with-profit policies subject to the stipulated conditions, are as under:

 
I) Individual Assurances
Endowment type of
policies *
(1)
Jeevan Mitra, Jeevan Sathi and Limited Endowment
(2)
Money Back and Anticipated Endowment
(3)
Policy Term Policy Term Policy Term
<11 11 to 15 16 to 20 >20
<16 16
to
20
>20
12 & 15 20 25
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
38   45   51   57
48   52   58
37   46   51

Jeevan Surabhi
(4)
Jeevan Anand
(5)
Jeevan Rekha
(6)
Policy Term Policy Term Policy Term
<11 11 to 15 16 to 20 >20
<16 16
to
20
>20
12 & 15 20 25
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
40   48   57
34   38   43   49   53
57   51   45   39
* Excluding Jeevan Mitra, (Double and Triple Cover), Jeevan Sathi, Limited Endowment, Money Back, Anticipated Endowment, Jeevan Surabhi ,Jeevan
Anand and Jeevan Rekha policies.
 
II) Individual Pension Plans
Plan Deferment Period (Years)
New Jeevan Dhara-I and
New Jeevan Suraksha-I
5 & Less 6 to 10 11 to 15 More than
15
Per Thousand Notional Cash Option
Rs.18.00 Rs.20.00 Rs.22.00 Rs.24.00
 
Place: Mumbai
Date: 15.9.2004

 

 

LIC announces bonus to Policyholders for 2002-2003

 
Life Insurance Corporation of India, today announced the Bonus for its policyholders for the year 2002-03 pursuant to the Actuarial Valuation as on 31st March, 2003. A surplus of Rs.9,733 crore has emerged as a result of valuation. Out of the Surplus declared, 95% i.e. Rs.9,246 crore is distributed as Bonus to the holders of with profit policies which were in-force as on 31st March 2003 and 5% of the surplus i.e. Rs.487 crore is the share of Government of India as yearly dividend. The number of in-force policies has gone up from 12.79 crores to 14.11 crores as on 31st March, 2003, registering a growth of 10.32%.
 
Reversionary Bonus Rates:
  • Whole Life Policies - Rs.90.00 per thousand sum assured
  • Bonus on various plans per thousand sum assured for 16 years and above is as under. The bonus depends on term of the policy. It is lower for short term and higher for long term.
  • Endowment Type Policies - range from Rs.58.00 to Rs.64.00
  • Money Back, Anticipated Endowment - Rs.52.00 (term 20 years) & Rs.58.00(term 25 years)
  • Jeevan Mitra, Jeevan Sathi, Limited Endowment Policies - range from Rs.59.00 to Rs.65.00
  • Jeevan Surabhi Policies - Rs.54.00 (term 20 years) and Rs.64.00 (term 25 years)
  • Jeevan Anand plan - range from Rs.54.00 to Rs.59.00
  • Jeevan Rekha Plan - range from Rs.58.00 to Rs.64.00
 
The Bonus rates declared by the Corporation show a marginal adjustment over last year because of the fall in average yield on investments owing to overall declining interest rate scenario.
 

Bonus On Pension Plans:
The special feature of the valuation is declaration of bonus for the Individual Pension Plans – New Jeevan Dhara-I & New Jeevan Suraksha-I ranging from Rs.18.00 to Rs.24.00 per thousand Notional Cash Option.

 

Additional Bonus:
In addition to the above Reversionary Bonuses, LIC has also declared Final Additional Bonus and Loyalty Addition to give add on value to those policyholders who keep their policies in force. The rates of Final (Additional) Bonus are upto Rs.1,400 per thousand Sum Assured depending upon term and sum assured of the policy for policies fulfilling the stipulated conditions. Also, as in the previous year, the Loyalty Addition in respect of Jeevan Shree policies maturing on completion of 5 years’ term is Rs.75 per thousand Sum Assured.

The Simple Reversionary Bonus declared as a result of the valuation for all with-profit policies subject to the stipulated conditions, are as under:

 
I) Individual Assurances
Endowment type of policies & Jeevan Rekha Plan *
(1)
Jeevan Mitra, Jeevan Sathi and Limited Endowment
(2)
Money Back and Anticipated Endowment
(3)
Policy Term Policy Term Policy Term
<10 11 to 15 16 to 20 >21 and above
15 and less 16
to
20
21 and above
12 & 15 20 25
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
40   48   57
34   38   43   49   53
57   51   45   39
 
II) Individual Pension Plans
Plan Deferment Period (Years)
New Jeevan Dhara-I and
New Jeevan Suraksha-I
5 & Less 6 to 10 11 to 15 More than
15
Per Thousand Notional Cash Option
Rs.18.00 Rs.20.00 Rs.22.00 Rs.24.00
 
Place : Mumbai
Date: 10.9.2003

 

 

LIC announces Bonus to Policy holders for 2001-2002
 
Total Valuation Surplus Declared – Rs.8637.50 Crore
Government’s share of Valuation Surplus Rs.431.88 crore
 

Shri S.B. Mathur, Chairman, Life Insurance Corporation of India , today announced the Bonus rates for its policyholders for the year 2001-02 pursuant to the Actuarial Valuation as on 31st March, 2002 . The Valuation of the Corporation’s Assets and Liabilities is an annual exercise. A surplus of Rs.8,637.50 crore has emerged as a result of valuation. Out of the Surplus declared, 95% i.e. Rs.8,205.62 crore is distributed as Bonus to the holders of with profit policies which were in-force as on 31st March 2002 and 5% of the surplus i.e. Rs.431.88 crore is to be given to the Government of India as yearly dividend, Government of India being the stakeholder of LIC of India. The number of in-force policies under Individual Assurance and Individual pension plans has gone up from 11.30 crore to 12.81 crore as on 31st March, 2002.

The Bonus Rates per thousand Sum assured in brief for the various types of policies depending upon the term etc. are as follows:

  • Bonus rate for Whole Life Policies is Rs.100.00
  • Bonus rates for Endowment Type Policies range from Rs.49.00 to Rs.71.00
  • Bonus rates for Money Back, Anticipated Endowment range from Rs.48.00 to Rs.65.00
  • Bonus rates for Jeevan Mitra, Jeevan Sathi, Limited Endowment Policies range from Rs.60.00 to Rs.72.00
  • Bonus rates for Jeevan Surabhi Policies range from Rs.51.00 to Rs.72.00
  • Bonus rates for Jeevan Anand plan range from Rs.40.00 to Rs.65.00.
  • The Corporation has reduced minimum period for accrual of bonus from 5 years to 3 years for in-force policies.
 

In general, policies of longer term acquire higher bonuses than policies of shorter term. Despite the lowering of the returns on the Government Bonds, Securities, Bank rates and Post Office Schemes, the Bonus Rates declared show marginal adjustment over last year. In fact the Bonus Rates in case of Whole Life Policies and Final Additional bonus have gone up.

The Simple Reversionary Bonus declared as a result of the valuation for all with-profit policies subject to the stipulated conditions, are as under:

 
Endowment type of policies Excluding
(1)
Jeevan Mitra, Jeevan Sathi and Limited Endowment
(2)
Money Back and Anticipated Endowment
(3)
Jeevan Surabhi
(4)
Jeevan Anand
(5)
Policy Term
Policy Term
Policy Term
Policy Term
Policy Term
10 & less 11 to 15 16 to 20 21 & above 15 & less 16 to 20 21 & above  15 20 25 15 20 25 5 6 to 10 11 to 15 16 to 20 21  & above
BONUS RATES PER THOUSAND RUPEES SUM ASSURED
44 51 58 64 54 59 65 42 52 58 45 54 64 38 44 49 54 59
* Excluding Jeevan Mitra, (Double and Triple Cover), Jeevan Sathi, Limited Endowment (including Single Premium), Money Back, Anticipated Endowment, Jeevan Surabhi and Jeevan Anand policies for which bonus rates are given in Column (2) to (5)
 
In addition to these Simple Reversionary Bonus rates, Final (Additional) Bonus rates are also announced for policies fulfilling the stipulated conditions depending upon Term and Sum Assured of the policy. The Final (Additional) Bonus rates range from Rs.25/- to Rs. 1,400/- per thousand rupees Sum Assured, showing growth especially for long term policies as compared to Rs.25/- to Rs.1,250/- declared in the fiscal 2000-01. Also, the Loyalty Addition in respect of Jeevan Shree Plan for 5 year term has been increased from Rs.50/- to Rs.75/-.
 
Place : Mumbai
Date: 11.09.2002

 

 

LIC announces Bonus to Policy holders for 2000-2001
 
Government's Share of Valuation Surplus Rs.379.27 crore
 
Insurance Corporation of India, today announced the Bonus rates for the policyholders for the year 2000-01 pursuant to the Actuarial Valuation as on 31st March,2001. The Valuation of the Corporation's Assets and Liabilities is an annual exercise. Consequent to the 31st valuation of the Corporation done as on 31st March, 2001 a surplus of Rs.7,585.30 crore has emerged. Out of the Surplus declared 95% i.e Rs.7,206.03 crore is distributed as Bonus to the holders of with profit policies which were in force as on 31st March 2001. 5% of the surplus i.e. Rs.379.27 crore is to be given to the Government of India as its yearly dividend. The bonus rates for the various types of policies broadly are as follows:
 
  • Bonus rates for Whole Life Type Policies range from Rs.95.00 to Rs.106.00
  • Bonus rates for Endowment Type Policies range from Rs.54.00 to Rs.89.00
  • Bonus rates for Money Back, Anticipated Endowment range from Rs.53.00 to Rs.72.00
  • Bonus rates for Jeevan Mitra, Jeevan Sathi, Limited Endowment Policies range from Rs.65.00 to Rs.91.00
  • Bonus rates for Jeevan Surabhi Policies range from Rs.56.00 to Rs.80.00
 
In general, policies of longer term earn higher bonuses than policies of shorter term. LIC has by and large maintained the previous bonus rates to the policyholders.
 

The Simple Reversionary Bonus declared as a result of the valuation for all with-profit policies subject to the stipulated conditions, are as under:

 
Reversionary Bonus Rates per thousand Sum Assured
Year of
Commence-ment
of policy 1
Whole Life 2 Endowment type of policies Excluding * Jeevan Mitra, Jeevan Sathi and Limited Endowment Money Back and Anticipated Endowment Jeevan Surabhi
Policy Term Policy Term Policy Term Policy Term
10 & less 3 11 to 15 4 16 to 205 21 & above 6 10 & less 7 11 to 15 8 16 to 20 9 21 & above 10 12 & 15 11 20 12 25 13 15 14 20 15 25 16
 

* Excluding Jeevan Mitra,(Double and Triple Cover), Jeevan Sathi, Limited Endowment (including Single Premium), Money Back, Anticipated Endowment and Jeevan Surabhi policies for which bonus rates are given in Column (7) to (16).

In addition to these Simple Reversionary Bonus rates, Final (Additional) Bonus rates were also announced for policies fulfilling the stipulated conditions depending upon term and sum assured of the policy. The Final (Additional) Bonus rates range from Rs.25/- to Rs. 1,250/- per thousand rupees Sum Assured.

 
Place: Mumbai
Date: 1st September, 2001
 
 
 
 
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