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The policy benefits in the form of Sum Assured Additions are based on 5-Year constant Government of India security yield published by CRISIL. The benchmark yield is:

or

Sum Assured Additions:

The product offers sum assured additions as a percentage of your sum assured, with every premium payment. These additions are based on 5-Year Constant G-Sec yield published by CRISIL. For yearly, half yearly and quarterly payment frequencies, the sum assured additions will be 100%, 50% and 25% respectively of the rates mentioned in the table below. Annually, the Company will be issuing a statement to the policyholder mentioning the entitlement of accrued sum assured additions under the policy.

5 Year Benchmark Yield Sum Assured Additions as % of SA
< 4.00% 0.00%
4.00% to < 4.5% 0.54%
4.50% to < 5.00% 1.11%
5.00% to < 5.50% 1.70%
5.50% to < 6.00% 2.33%
6.00% to < 6.50% 2.99%
6.50% to < 7.00% 3.69%
7.00% to < 7.50% 4.42%
7.50% to < 8.00% 5.18%
8.00% to < 8.50% 5.98%
8.50% to < 9.00% 6.82%
9.00% to < 9.50% 7.69%
9.50% to < 10.00% 8.54%
10.00% to < 10.50% 9.44%
10.50% to < 11.00% 10.42%
11.00% to < 11.50% 11.45%
11.50% to < 12.00% 12.53%
12.00% 13.52%