DEATH BENEFIT:
First 5 years of Policy: Sum Assured on death.
6th year onwards: Sum Assured on Death + Loyalty additions if any.
Sum Assured on Death= Higher of Basic SA or 10 times of annualized Premium or  105% of total premiums paid as on date of death. The premiums exclude taxes,  extra premium and rider premiums.

MATURITY BENEFIT:   
Basic Sum Assured + Loyalty Additions if any. 

 OPTIONAL BENEFIT – Accidental Death Benefit Rider –
ADB is available as an optional rider by payment of additional premium during the term of the policy. If there be more than one policy with which this or any other rider covering Accidental Deaths is attached and if the total Accident Benefit Sum Assured Insure and under all such policies exceeds Rs.50 lakhs, the benefits shall apply to the first Rs. 50 lakhs Accident Benefit Sum Assured in order of date of policies issued. If this benefit is opted for,and if Life Assured is involved in an accident, leading to death and such incident shall occur within 180 days from the date of accident then an additional amount equal to the Accident Benefit Sum Assured is payable. However, the policy shall have to be in force at the time of accident irrespective of whether or not it is in force at the time of death.