In the case of the Child Policy, Baby Bond and Comprehensive Flexi Plan, Regular bonus projections are calculated at 3.5%, 4.5% and 5.5%. In addition the Company may declare a final bonus if the policy is in force for more than 10 years.

It is important to note that the bonus rates may go down as well as up depending on the performance of the company.

The Maximum Investment Plan, The Investment Bond and the Retirement Plan depend on the way the funds perform. Any illustration given under these plans are intended for illustration purposes only and consequently cannot reflect or provide an indication of the actual return on maturity or surrender. Furthermore, market conditions may be such as to result in returns being far inferior to the lowest projected returns shown in the illustration.

The past performance of funds is not a guide to future performance and the value of the investment as well as the currency in which it is denominated can fall as well as rise and where the funds are chosen directly or indirectly invest in emerging countries such investment is likely to carry a higher degree of risk than investing in more established or developed markets due to the possibliity of economic instablity, political uncertainty and liquidity of the market.

In the case of a Baby Bond policy the minimum entry age is 3 months, because in this policy the child is only nominated.

In the case of Comprehensive Flexi Plan, Investment Bond and Maximum Investment Plan the minimum age is 3 months. The minimum entry age in respect of the Retirement Plan is 18 years.

No. It is up to the Policy Owner (the parent) to transfer ownership as he is the owner of the policy.

In the case of a Baby Bond, Child Policy, Comprehensive Flexi Plan you can either surrender the policy and the policy will stop or you can take a loan value of your policy which will be deducted from your maturity value together with the interest.

In the case of the Maximum Investment Plan , The Investment Bond and the Retirement Plan you can either cash all your units or part of them.

In the case of a Protection Plan policy,Loan Protection Plan , the policy will lapse if the premium is not paid within 30 days from the renewal date. Once a policy is lapsed then you may revive the policy within 13 months of the renewal after completing a revival application form.

In the case of a Baby Bond, Child Policy and Comprehensive Flexi Plan, the premium must be paid within 30 days from the renewal date. If the premiums is not paid and the policy has a cash surrender value greater than the premium then a loan for the amount of the premium is automatically created against the policy. If the policy does not have a cash surrender value then the policy will lapse.

In the case of the Maximum Investment Plan and the the Retirement Plan, the premium must be paid within 30 days from the renewal date.

If the premium is not paid then we will exercise our right to make the policy automatically paid up. This will be subject to the first year's premium having been paid. If the second year's premium has not been paid then the policy will be allowed to be made 'paid up'.