STATE LIFE INSURANCE CORPORATION OF PAKISTAN

SADABAHAR PLAN TABLE 74

GENERAL FEATURES This plan is a safe instrument for cash provision at the time of need. With this plan, the policyholder can secure greater protection and continued prosperity for the family at an affordable cost. This plan is suitable for Businessmen and the Parents whose future financial needs matches with Survival benefits dates.

GENERAL FEATURES Sadabahar is an anticipated endowment type with-profit plan that provides lump sum benefit at certain stages during the premium-paying term or on earlier death. In addition, this plan has a built-in Accidental Death Benefit (ADB) rider so that the policyholder gets an additional sum assured in case of death due to an accident.

No Restriction of Supplementary Contracts except A.D.B. GENERAL CONDITIONS Minimum age at entry 20 Years Maximum age at entry 60 years Available Terms 12,15,18,21, 24,27&30 Years Minimum age at Maturity 32 Years Maximum age at Maturity 75 years No Restriction of Supplementary Contracts except A.D.B.

SURVIVAL BENEFITS On completion of one-third of the policy term, 20% of basic sum assured will be payable to the policyholder. On completion of two-third of the policy term, again 20% of basic sum assured will be payable to the policyholder. Remaining 60% of the basic sum assured plus accrued bonuses (if any) shall be payable to the policyholder at the end of the policy term.

SADABAHAR PLAN TABLE 74 by M. Noshad Siddiqui Thursday June 03, 2010 SURVIVAL BENEFITS If the option to withdraw an installment of 20% sum assured at the end of one third or two third of the policy term is not exercised on due date, a special bonus will automatically be added to the policy at the end of six months. The special bonus together with all unclaimed installments of the sum assured and in addition to regular reversionary bonuses accrued on the policy will be payable at maturity date. TOT, June 03 - 04, 2010 @ Hyderabad

SURVIVAL BENEFITS As long as the policy remains in force, the policyholder may surrender the unclaimed installment of sum assured together with the related special bonus. The aggregate cash surrender value of the two shall not be less than the amount of the said unclaimed installment. This policy will participate in State Life’s surplus. Rate of bonuses other than special bonus, will be 25% higher than those applicable on Table 05 Plan. Terminal Bonus will not be paid on these policies.

DEATH BENEFITS Basic sum insured plus bonuses (if any) are payable to the nominee on death of the policy holder any time while the policy is in force. If death occurs as a result of an accident, additional amount equal to basic sum assured subject to maximum of Rs. 4 Million will be payable to policy holder. The usual maximum ADB Jambo limit of Rs. 4 Million will be applied and ADB premium will be calculated accordingly

DEATH BENEFITS On death of the Policy Holder, full sum assured plus bonuses are payable to the nominee and survival benefit(s) at the end of one third or two third of the policy term already paid to the Policy Holder will not be deducted from the death claim amount. On death of the assured while the policy is in- force, the special bonus will be payable in addition to (1) Basic Sum Assured (2) Other Reversionary Bonuses accrued on the policy and (3) the amount of any installment left with State Life.

PREMIUM CALCULATION Two Tables of premium rates “A” and “B” are being used for calculation of premium rates as explained. Policies with sum assured greater than Rs.4 Million For the purpose of premium calculation, sum assured will be broken into two parts. The first part will be ‘Rs. 4 Million’, and Appendix-a premium rate will be used to calculate premium for this portion of sum assured. The second part will be the ‘excess of sum assured over Rs. 4 Million’ ; premium for this proportion of sum assured will be calculated using Appendix – B premium rates.

PREMIUM CALCULATION A: POLICIES WITH SUM ASSURED LESS THAN OR EQUAL TO RS. 4 MILLION Example: Age of Policyholder 35 years Term Policy 15 years Sum Assured 100,000 Appendix–A Premium rate 75.78 per 1000 S.A Basic Premium 7578 Pol icy Fee 100 Total Premium 7,678

PREMIUM CALCULATION B: POLICIES WITH SUM ASSURED MORE THAN Rs 4 MILLION. Example Age of Policy Holder =35 years Term of Policy =15 years Sum Assured =Rs 5,000,000/- Appendix-A Premium Rates =Rs 75.78 per 1,000 S.A Appendix-B Premium Rates =Rs 75.03 per 1,000 S.A Premium Rs [(75.78-0.5)*(4000)+100]=Rs. 301,220 [(75.03–0.5)x1000]=Rs. 74,530 Total premium=Rs. 375,750

SADABAHAR PLAN (TABLE NO, 74) PREMIUM RATES PER 1000 SUM ASSURED TERM 12 15 18 21 24 27 30 Age 20 91.29 74.10 62.87 54.66 47.95 42.73 93.57 91.33 74.15 62.92 54.73 48.03 42.83 38.70 22 91.38 74.21 62.99 54.81 48.13 42.95 38.85 23 91.43 74.27 63.06 54.89 48.23 43.07 39.01 91.48 74.33 63.13 54.99 48.35 43.22 39.19 25 91.54 74.40 63.22 55.09 48.48 43.38 39.40 26 91.60 74.48 36.31 55.21 48.62 43.57 39.63 91.68 74.57 63.42 55.34 48.79 43.78 39.89 28 91.76 74.66 63.54 55.49 48.97 44.01 40.18 29 91.84 74.77 63.67 55.66 49.19 44.28 40.51 91.94 74.89 63.83 56.85 49.43 44.58 40.87

SADABAHAR PLAN(TABLE NO, 74) PREMIUM RATES PER 1000 SUM ASSURED TERM 12 15 18 21 24 27 30 Age 31 92.05 75.03 64.00 56.06 49.70 44.91 41.26 32 92.18 75.18 64.19 56.31 50.01 45.29 41.70 33 92.32 75.36 64.41 56.59 50.35 45.70 42.19 34 92.48 75.56 64.66 56.90 50.74 46.16 42.71 35 92.66 75.78 64.95 57.26 51.18 46.67 43.29 36 92.86 76.04 65.27 57.67 51.66 47.23 43.91 37 93.09 76.34 65.65 58.12 52.20 47.84 44.59 38 93.36 76.67 66.07 58.63 52.79 48.51 45.33 39 93.66 77.06 66.54 59.20 53.44 49.23 46.13 40 94.01 77.49 67.08 59.83 54.15 50.03 47.00

SADABAHAR PLAN(TABLE NO, 74) PREMIUM RATES PER 1000 SUM ASSURED TERM 12 15 18 21 24 27 30 Age 41 94.41 77.99 67.68 60.52 54.93 50.89 47.93 42 94.87 78.55 68.34 61.28 55.78 51.82 48.94 43 95.39 79.19 69.08 62.12 56.71 52.83 50.03 44 95.98 79.90 69.90 63.03 57.71 53.92 51.20 45 96.65 80.69 70.80 64.03 58.80 55.10 52.46 46 97.40 81.56 71.78 65.11 59.98 56.37 47 98.24 82.52 72.85 66.28 61.25 57.73 48 99.18 83.58 74.01 67.56 62.63 59.20 49 100.21 84.73 75.27 68.93 64.11 50 101.33 85.97 76.64 70.42 65.70

SADABAHAR PLAN (TABLE NO, 74) PREMIUM RATES PER 1000 SUM ASSURED TERM 12 15 18 21 24 27 30 Age 51 102.56 87.32 78.11 72.01 67.40 52 103.88 88.78 79.70 73.72 53 105.31 90.33 81.39 75.55 54 106.83 92.00 83.20 77.49 55 108.45 93.78 85.13 56 110.18 95.67 87.19 57 112.01 97.68 89.36 58 113.95 99.81 59 116.01 102.08 60 118.21 104.49

SADABAHAR PLAN(TABLE NO, 74) WITH OUT ADB PREMIUM RATES PER 1000 SUM ASSURED TERM 12 15 18 21 24 27 30 Age 20 90.54 73.35 62.12 53.91 47.20 41.98 37.82 90.58 73.40 62.17 53.98 47.28 42.08 37.95 22 90.63 73.46 62.24 54.06 47.38 42.20 38.10 23 90.68 73.52 62.31 54.14 47.48 42.32 38.26 90.73 73.58 62.38 54.24 47.60 42.47 38.44 25 90.79 73.65 62.47 54.34 47.73 42.63 38.65 26 90.85 73.73 62.56 54.46 47.87 42.82 38.88 90.93 73.82 62.67 54.59 48.04 43.03 39.14 28 91.01 73.91 62.79 54.74 48.22 43.26 39.43 29 91.09 74.02 62.92 54.91 48.44 43.53 39.76 91.19 74.14 63.08 55.10 48.68 43.83 40.12

SADABAHAR PLAN(TABLE NO, 74) WITH OUT ADB PREMIUM RATES PER 1000 SUM ASSURED TERM 12 15 18 21 24 27 30 Age 31 91.30 74.28 63.25 55.31 48.95 44.16 40.51 32 91.43 74.43 63.44 55.56 49.26 44.54 40.95 33 91.57 74.61 63.66 55.84 49.60 44.95 41.44 34 91.73 74.81 63.91 56.16 49.99 45.41 41.96 35 91.91 75.03 64.20 56.51 50.43 45.92 42.54 36 92.11 75.29 54.52 56.92 50.91 46.48 43.16 37 92.34 75.59 64.90 57.37 51.45 47.09 43.84 38 92.61 75.92 65.35 57.88 52.04 47.76 44.58 39 92.91 76.31 65.79 58.45 52.69 48.48 45.38 40 93.26 76.74 66.33 59.08 53.40 49.28 46.25

SADABAHAR PLAN(TABLE NO, 74) WITH OUT ADB PREMIUM RATES PER 1000 SUM ASSURED TERM 12 15 18 21 24 27 30 Age 41 93.66 77.24 66.93 59.77 54.18 50.14 47.18 42 94.12 77.80 67.59 60.53 55.03 51.07 48.19 43 94.64 78.44 68.33 61.37 55.96 52.08 49.28 44 95.23 79.15 69.15 62.28 56.96 53.17 50.45 45 95.90 79.94 70.05 63.28 58.05 54.35 51.71 46 96.65 80.81 71.03 64.36 59.23 55.62 47 97.49 81.77 72.10 65.53 60.50 56.98 48 98.43 82.83 73.26 66.81 61.88 58.45 49 99.46 83.98 74.52 68.18 63.36 50 100.58 85.22 75.89 69.67 64.95

SADABAHAR PLAN (TABLE NO, 74) WITH OUT ADB PREMIUM RATES PER 1000 SUM ASSURED TERM 12 15 18 21 24 27 30 Age 51 100.81 86.57 77.36 71.26 66.65 52 103.13 88.03 78.95 72.97 53 104.65 89.58 80.64 74.80 54 106.08 91.25 82.45 76.74 55 107.70 93.03 84.38 56 109.43 94.92 64.44 57 111.26 96.93 88.61 58 113.20 99.06 59 115.26 101.33 60 117.46 103.74

BONUS RATE FOR TABLE 05 THREE PAYMENT POLICY Term Of Policy First Five Years From 6th To 16th Year 17th Year Onward 20 Years & Over Rs.35 Rs.69 Rs.100 15th to 19th Year Rs.25 Rs.59 14th Year& Less Rs.19 Rs.53 -----

BONUS RATE FOR TABLE 74 SADABAHAR POLICY TERM OF POLICY First Five years From 6th to 16th Year From 17th Year onward 20 Years & above Rs.44 Rs.86 Rs.100 15th to 19th Year Rs.31 Rs.74 14th Year & Less Rs.24 Rs.66 -----

SPECIAL REVERSIONARY BONUS Period between Survival Benefit due and maturity date Special Reversionary Bonus per Rs.1000 of Survival Benefit 20 Years Rs.3165 09 Year Rs.1005 18 Years Rs.2765 08 Years Rs.845 16 Years Rs.2350 07 Years Rs.695 14 Years Rs.1940 06 Years Rs.555 12 Years Rs.1545 05 Years Rs.420 10 Years Rs.1175 04 Years Rs.300

thANKS ! Developed By Moshin Abbas & Kashif Hashmi