1) The document discusses various types of life insurance policies like term insurance, money back policy, whole life, child policy etc. 2) It explains key concepts used in life insurance like sum insured, premium, policy term, benefits of insurance etc. 3) The benefits of different life insurance policies are explained depending on whether the insured person dies during the policy term due to illness or accident. Payments include sum insured, bonuses and additional riders.

1. hLjg aLdf
cfwf/e"t tflnddf
;xefuL ;Dk"0f{ ;fyLx?df
g]zgn nfOkm
OG:of]/]G;
xflb{s :jfut ub{5.

2. tkfOsf] kl/jf/sf]
cj:yf
s:tf] b]Vg rfxg' x'G5
<

5. hLjg aLdf
<

6. hLjg aLdfsf] kl/ro
æhLjg aLdf Joj;fo eGgfn] s'g}
JolQmsf] ;DaGwdf lghsf]
cfo'sf] cfwf/df ls:tfjGbL
a'emfpg] u/L s'g} vf; /sd lt/]df
lghn] jf lghsf] d[To' ePsf]
cj:yfdf lghsf] xsjfnfn] s'g} vf;
/sd kfpg] u/L ul/g] s/f/ ;DalGw
Joj;fo ;Demg' kb{5 . Æ
aLdf P]g @)$(
kl/R5]b ! k|f/DeLs-@_

7. MANAGEMENT

8. hLjg aLdfdf k|of]u x'g
zAbx?
 aLdf ( Insurance)
 aLldt ( Insured)
 k|:tfjs (Application)
 aLds (Insurer)
 aLdfÍ (Sum Insured)
 aLdf z'Ns (Premiun)
 aLdfz'Ns ltg]{ tl/sf (Mode of
payment)
 aLdf cjwL (Term)

9. hLjg aLdfdf k|of]u x'g
zAbx?
 aLdf n]v ( Policy Document)
 aLdf n]vsf] dflns ( Policy Owner)
 OR5fPsf] JolQm (Beneficiary)
 aLdf clestf{ (Insurance Agent)
 aLdfÍ (Sum Insured)

10. Insurance is a Contract
aLdf Ps s/f/
xf] .

11. Elements of General contract
• Offer and Acceptance : k|:tfjgf / dGh'/L
• Legal Consideration & objective- sfg"gL k|ltkmn /
p2]Zo
• Competence to contract- x/]s lsl;dn] ;Ifd
JolQm
• Certainty : lgl:rttf -aLdf n]vdf ;Dk"0f{
s'/fpNn]v u/]s]fx'G5_
• Possible to performance : ;Dkfbgsf] ;DefjAotf
• Writing and Registration ; lnlvt / btf{ u/]s]f

12. Elements of Special contract
(Principle of Insurance)
• Utmost good faith : k"0f{ ;bljZjf;sf] l;4fGt
• Insurable Interest : ljdfof]Uo lxtsf] l;4fGt
• Proximate cause : lgs6Qd sf/0fsf] l;4fGt
• Indemnity : Ifltk"lt{sf] l;4fGt
• Subrogation : :yfg u|x0fsf] l;4fGt
• Contribution : of]ubfgsf] l;4fGt
• Mitigation of loss : gf]S;fgL Go"gLs/0fsf]
l;4fGt

13. hLjg jLdfdf nfu' x'g]
l;4fGtx?
Utmost good faith : k"0f{
;bljZjf;sf] l;4fGt
aLdf ubf{ aLldtn] aLdf sDkgLnfO{
s'g} klg s'/f n'sfpg' x'b}g .
aLdf sDkgLn] klg aLldtnfO{ s'g}
s'/f n'sfpg' x'b}g .
aLdf ;To tYo s'/fdf cfwfl/t x'G5 .
k|:tfj kmf/ddf s'g} em'77f s'/f

14. hLjg jLdfdf nfu' x'g]
l;4fGtx?
Insurable Interest : ljdfof]Uo lxtsf] l;4fGt
With self :jod;Fu
cfkmgf] aLdf cfkm}n] ug]{ .
With Third party t];|f] JolQm;Fu
>Ldfg >LdftLsf] aLdf
5f]/f 5f]/L aLdf
cfkmgf] sfdbf/x?sf] aLdf
;fx'åf/f cf;fdLsf] aLdf

15. hLjg aLdfsf]
dxTj
• Compulsory saving : clgjfo{ art
• Investment : ;jf]{Qd nufgL
• Protection of Financial Loss : cfly{s xfgLsf]
;'/Iff
• Welfare of Dependents : cfl>tx?sf] enfO{
• Elimination of Dependency: lg{e/tfsf]
pGd"ng
• Loan facility :C0fsf] cfwf/
• Tax facility : s/ 5'6 nfe

16. hLjg aLdfsf] dxTj
• Support for Government Fund collection : b]z
tyf ;/sf/sf] nflu sf]if ;+sngdf ;xfotf
• Reduction in social evils : ;fdfhLs v/fjLx?df
s6f}tL
• Creation of employment opportunity:
/f]huf/sf] ;[hgf

17. hLjg aLdfsf
k|sf/x?
 ;fjlws hLjg aLdf ( Endowment Policy)
 clu|d e'QmfgL hLjg aLdf ( Money
Back Policy)
 hLjg cd[t hLjg aLdf -;fjlws /
cfhLjg_ (Endowment plus whole life
plolicy)
 afn cd[t hLjg aLdf (Child policy)
 ;/n cd[t hLjg aLdf
 a}b]lzs /f]uhf/ aLdf

18. ;fjlws hLjg
kl/ro M aLdf
s]xL ;do cjlw ;Ddsf]] nflu ul/g]
aLdf .
;do cjlw kZrft aLdf ;dfKt x'g] .
aLdf cjlw ;dfKtL kZrft aLldt
:jodn] ladfÍ /sd / af]g; Psd'i6
e'QmfgL kfpg] .

19. ;fjlws hLjg
Age=30
aLdf Age=50
20 yrs term
Yearly Premium
Rs5069
In case of Maturity
aLdf Rs.100,000
u/]sf] /sd Bonus- xxxxxx
Rs 100,000 Total Rs.100,000+Bonus

20. ;fjlws hLjg
aLdf kZrft
aLdf cjlw ;dfKtL
ladfÍ /sd / af]g; Psd'i6
e'QmfgL kfpg] .
aLdf ;dfKtL x'g cuf8L g}
s'g} sf/0fa; laldtsf]
sfnutLn] jf la/fdLsf]
sf/0faf6 d[To' ePdf ljdfÍ

21. ;fjlws hLjg aLdf
-sfnutLaf6 d[To' ePsf] cj:yf_
@ aif{
Age
30
32
kl5
Rs10138+ 400
Incase Normal Death /Sick Death
Additional
(optional) Beneficiary will get :
ADB
PTD
Insured Amount Rs.100,000
PWB
Plus cflht Bonus (Suppose) Rs
XXXX

22. ;fjlws hLjg
aLdfcuf8L g}
aLdf ;dfKtL x'g
s'g} sf/0fa; laldtsf]
sfnutLn] jf la/fdLsf]
sf/0faf6 d[To' ePdf ljdfÍ
/sd / cflh{t af]g; Psd'i6
OR5fPsf] JolQmnfO{ k|bfg
ul/g]5 .

23. ;fjlws hLjg aLdf
Age=30 Age=50
Yearly Premium
aLdfÍ /sd Rs5069 +200
Rs 100,000
In case Accidental Death
Additional (optional)
Insured Amount=Rs.100,000
ADB
PTD
Accidental Benefit=Rs100,000
PWB Earned Bonus =XXXX
Total = xxxxxx

24. ;fjlws hLjg aLdf
s'g} sf/0fa; b'3{6gfsf] sf/0faf6
aLldtsf] d[To' ePdf ljdfÍ /sd
, b'3{6gfsf] /sd / cflh{t af]g; Psd'i6
OR5fPsf] JolQmn] kfpg] .
? !))))) sf] hLjgaLdf, bf]xf]/f]
b'3{6gf d[To' nfe (ADB) , k"0f{ czQm
ckfË eQf (PTD) tyf aLdfz'Ns 5'6
;'ljwf (PWB) lnO/fv]s]f /x]5 eg]

25. ;fjlws hLjg aLdf
s'g} sf/0fa; ljleGg hf]lvdx?af6
aLldt k"0f{ ?kdf czQm ckfË eO{ h'g
k]zfdf ;+nUg lyof], Tof] k]zf u/]/
vfg ;Sg' ePg eg] aLldtn] ;do ;dodf
ltg'{ kg]{ lk|ldod (PWB ;'ljwf
lnPafkt_ ltg'{ gkg]{ x'G5 .

26. ;fjwLs hLjg aLdf
Entry age – 17yr to 65 yr
Maximum maturity age – 70 yrs
Policy term – 5 yrs to 54 yrs
Minimum insured amount –Rs 25000
Maximum (as per the capacity of insured) – unlimited
Mode of payment - Yearly, Half Yearly, Quaterly
Additional Benefit : ADB + PTD+PWB

27. Affn efUof]bo
!% aif]{clu|d e'QmfgL hLjg aLdf
-sfnutLaf6 d[To' ePsf] cj:yf_
^ aif{
Age 0 5 10 15
30
kl5
25% 25% 50%+Bonus Return
Incase Normal Death /Sick Death
Additional
(optional) Child/Beneficiary will get :
ADB
PTD
Whole Insured Amount Rs.100,000
PWB
Plus cflht Bonus (Suppose) Rs XXX
Benefit : No deduction of Previous
received amount

28. Affn efUof]bo
!% aif]{clu|d e'QmfgL hLjg aLdf
-b'3{6gfsf] sf/0faf6 d[To' ePsf] cj:yf_
^ aif{
Age 0 5 10 kl5 15
30 25% 25% 50%+Bonus Return
Incase Normal Accidental Death
Additional
(optional) Child/Beneficiary will get :
ADB
PTD
Whole Insured Amount Rs.100,000
PWB Accidental benefit Rs 100,000
Plus cflht Bonus (Suppose) Rs XXX
Benefit : No deduction of Previous
received amount

29. -Afn efUof]bo_ clu|d
e'QmfgL hLjg 50 yr
Entry age – 17yr to aLdf
Maximum maturity age – 70 yrs
Policy term – 15 yrs
Minimum insured amount –Rs 25,000
Maximum (as per the capacity) – unlimited
Mode of payment - Yearly, Half Yearly, Quaterly
Benefits - 25% , 25%, 50% with Accrued Bonus
Beneficiary – upto16 yrs of child
(Incase of claim after receiving partial payment no deduction will
be made for the benefits paid)

30. hLjg cd[t aLdf of]hgf
-sfnutLsf] sf/0fn] cjwL kZrft d[To'
ePdf_
Age=30
term=15yrs
45
Maturity time
aLdfÍ /sd 100000+ Bonus
Rs 100,000
Additional In case Normal /sick Death
(Optional) whole Insured Amount =Rs.100,000
ADB
Benefit : No deduction of previous received
PTD amount
PWB

31. hLjg cd[t aLdf of]hgf
-b'3{6gf sf/0fn] cjwL kZrft d[To'
ePdf_
term=15yrs
Age=30 45 70
Maturity time
aLdfÍ /sd 100000+ Bonus
Rs 100,000
Additional
In case Accidental Death
(Optional) whole Insured Amount =Rs.100,000
ADB-1 Additional benefit = Rs 100,000
PWB-1 Benefit : No deduction of previous received
amount

32. hLjg cd[t aLdf of]hgf
Entry age – 20yr to 65 yr
Maximum maturity age – 70 yrs
Policy term – 5yrs -25 yrs
Minimum insured amount –Rs 50,000
Maximum insured amount – Rs 1,00,00,000
Mode of payment - Yearly, Half Yearly, Quaterly
Benefits: Insurance will be continue to whole life after
receiving payment in maturity period

33. afn cd[t -;fjlws_ hLjg
aLdf
19 times (Years)
Age Age
2 21
Yearly Charged
Premium= Rs5800
Rs 100,000 PWB/MIB = Rs 106
Maturity
Add Term Rider Benefit Rs.100,000
PWB Bonus-100,000 (Apx)
MIB Total Rs.200,000(Apx)

34. afn cd[t -;fjlws_ hLjg
aLdf
pknAw ;'ljwfx?
-s'g} hf]lvdaf6 aLr}df k|:tfjssf] d[To'
ePsf] v08df _
d[To' ePsf] cj:yfdf aLdfÍ /sdsf] @)
k|ltzt t'?Gt e'QmfgL ul/g] .
 Rider ;'ljwf lnPafkt aLdf cjlwe/
afFsL ltg'{kg]{ ljdfz'Ns ltg'{ gkg]{
ljdfÍ /sdsf] ! k|ltzt dfl;s vr{ (MIB)
e'QmfgL ul/g] .

35. aLdf
-aRRfsf] d[To' ePsf]
cj:yf_
5 years later
Age Age
Insured Amount
2 20
Rs 100,000 Yearly Charged
Premium= Rs5800
PWB = Rs106 Incase of Child Death
Amount Rs.100,000
Add Bonus xxxxx

36. afn cd[t -;fjlws_ hLjg
pknAw ;'ljwfx?
aLdf
-s'g} hf]lvdaf6 aLr}df hf]lvd k|f/De x'g'
cuf8L aRrfsf] d[To' ePsf] v08df _
 k|:tfjsn] hDDff u/]s]f ;Dk"0f{ aLdf z'Nsdf
aflif{s # k|ltzt Aofh ;lxt k|:tfjsnfO{
e'QmfgL ul/g]5 .
s'g} hf]lvdaf6 aLr}df aLdf k|f/De ePsf]
ldltaf6 @ aif{ jf aRrfsf] pd]/ & aif{ cuf8L
aRRffsf] d[To' ePsf] v08df hf]lvd axg
x'g]5}g .
& aif{ eGbf cuf8Lsf] aRrfx?sf] Go"gtd &

37. afn cd[t -;fjlws_ hLjg
aLdf aRRfsf] d[To' ePsf]
cj:yf_
4 years later
Age Age
Insured Amount
2 20
Rs 100,000 Yearly Charged
Premium= Rs5800
PWB = Rs106 Incase of Child Death
Amount 5800 x 4yrs
plus 3% interest

38. afn cd[t -;fjlws_ hLjg
aLdf
hf]lvd k|f/De x'g] cj:yf
s'g} hf]lvdaf6 aLr}df aLdf k|f/De ePsf]
ldltaf6 @ aif{ jf aRrfsf] pd]/ & aif{
cuf8L aRRffsf] d[To' ePsf] v08df
k|:tfjsnfO{ k|:tfjsn] lt/]sf] s'n aLdfz'Ns
dfq e'QmfgL ug]{5 .
& aif{ eGbf cuf8Lsf] aRrfx?sf] Go"gtd &
aif{ pd]/ k'u]kl5 dfq hf]lvd k|f/De
x'g]5 .
hf]lvd k|f/De ePsf] ldltaf6 aRrfsf]
d[To' ePdf k|:tfjsnfO{ k'/} ljdfÍ /sd /

39. afn cd[t -;fjlws_
Entry agehLjg aLdf – 1Yr to 15 yrs
Minimum maturity age – 20 yrs
Maximum maturity age – 26 yrs
Policy term – 11yrs -20 yrs
Minimum insured amount –Rs 50,000
Maximum – Rs 10,00,000
Mode of payment - Yearly, Half Yearly, Quaterly
Additional Benefit - Rider of parent (20%of insured amount.)
Age of parents -20 Yrs to 50 Yrs

40. ==hLjg aLdfsf] nflu of]Uo
AolQms]f 5gf}6
:jf:Yo ;DaGwL hf]lvdo'Qm tTjx?
 JolQmut :jf:y ljj/0f
 kfl/jfl/s :jf:Yo ljj/0f
JolQm;+u ;DaGwLt hf]lvdo'Qm tTjx?
 afgL Joxf]/f -/fd|f] afgL Aoxf]/f,
u}/sfg'gL sfd u/]sf] g7x/LPsf]_
 pd]/ - %) aif{ eGbf dflysf] aLdf ubf{
;f]Rg' kg]{ _
 lnË – - dlxnfsf] aLdfdf ljleGg kIfx?sf]
af/]df a'emg' kg]{ x'G5_
 Joj;fo jf k]zfsf] k|s[lt – k]zf cg';f/ yk ljdfz'Ns
nfUg], ;'ljwfyk36 x'g]

41. hLjg aLdfsf] k|:tfj
kmf/d eg] tl/sf
kmf/d:ki6, k"0f{ ?kdf ;kmf uf8f
dl;sf ;fy eg'{ k5{, b'O{ leGbf leGb}
dl;n] kmf/d eg'{ x'b}g .
;j} ;f]lwPsf] k|Zgsf] pQ/ n]lvPsf]
x'g'kg]{ , pQ/sf] 7fpFdf -8of;_ jf
vfln 7fpF 5f8g] jf qm; ug'{ gx'g] ,
cIf/af6 n]lvg' kg]{5 .
s'g} uNtL ePdf l6k]S; k|o]fu ug'{
x'b}g, j? l;w} wsf{n] sf6]/ dfly
;RofPsf] s'/f n]Vg] / b'j}lt/ k|:tfljs
aLdLt jf k|:tfjsn] x:tfIf/ u/]s]f

42. hLjg aLdfn]v tyf ;f]df
pNn]lvt zt{ tyf ;'ljwfx?
aLdf z'Ns e'QmfgL ;dodf g}
ltg'{ k5{
df]xnt cjlw M #) ÷ !%lbg
df]xnt cjlw kZrft hf]lvd axg
gx'g] .
pQm cjlw kZrft k'g hfu/0f
ug'{ k/]df lgj]bgsf] ;fy df]xnt

43. lgis[o aLdfn]v /
k'g{hfu/0f
aLdfn]vjfnfsf] lgj]bg
JolQmut :jf:y ljj/0f
clGtd aLdfz'Ns e'QmfgL /l;b
cfjZos ;Dem]df :jf:y kl/If0f
u/]sf] 8fS6/ l/kf]6{ klg ;+nUg
ug'{ kg]{ x'G5 .
clwsQddf % aif{ leq

44. C0f ;'ljwf ;DaGwL
Joj:yf
C0f ;'ljwf M C0f lng rfx]df
aLdf u/]s]f @ aif{ kl5 lgj]bg
lbP/ C0f lng ;Sg]5 .
o;/L k|bfg ug]{ C0f clwsQddf
;dk{0f d"Nosf] () k|ltzt ;Dd
lbg] 5 .
olb s'g} jLdLtn] aLr}df aLdf
aGb ug{ rfx]df lx;fjn] cfpg]

45. hLjg aLdfn]vdf
kl/jt{g x'g] kIfx?
e'QmgLsf] lsl;d
O{R5fPsf] JolQm
7]ufgf
k]zf

46. hLjg aLdf bfjL
aLdf cjwL ;DffKt ePdf .
sfnutLn] jf lj/fdLsf] sf/0f
d[To' ePdf .
b'3{6gfsf] sf/0f d[To' ePdf .

47. hLjg aLdf bfjL ubf{ cfjZos
sfuhftx?
aLdf cjwL ;DffKt ePsf]
cj:yfdf .
aLdLtsf] lgj]bg .
;Ssn aLdfn]v
clGtd aLdfz'Ns e'QmfgLsf]
/l;b

48. hLjg aLdf bfjL ubf{ cfjZos
sfuhftx?
sfnutLn] jf lj/fdLsf]
sf/0faf6 d[To' ePdf .
bfjLstf{sf] lgj]bg .
;Ssn aLdfn]v
clGtd aLdfz'Ns e'QmfgLsf]
/l;b
d[To'btf{ k|df0fkq

49. hLjg aLdf bfjL ubf{ cfjZos
b'3{6gfsf] sf/0f d[To'
sfuhftx?
ePdf .
bfjLstf{sf] lgj]bg .
;Ssn aLdfn]v
clGtd aLdfz'Ns e'QmfgLsf] /l;b
dTo'btf{ k|df0fkq
gftf k|dfl0ft k|df0fkq
c:ktfnsf] l/kf]{6 jf kf]:df6{d

50. :jf:Yo kl/If0f ljgf aLdf
l:jsf/ ug]{ cj:yf (Group A)
!_ cfkmgf} cfo cfh{g ePsf !& aif{ b]lv $!
aif{ ;Ddsf ;fIf/ dlxnf tyf k""?ifx?sf]
?=#)),))) ;Dd .
@_ cfo cfh{g gePsf $! aif{ ;Ddsf ;fIf/
u[x0fLx?sf] nflu ?= #)),))) ;Dd
#_ cfo cfh{g ePsf !& aif{ b]lv $! aif{ ;Ddsf
lg/If/ -c+u'7f5fk_ dlxnf tyf k'?ifx?sf]
nflu ?= !)),))) ;Dd

51. Medical Requirement for group A
Sum Assured Age Next Birthday
(NRs) Up to 41 42 - 65
300,000 or less Non medical B
300,001 to 400000 B B+C
400,001 to 500000 B+C B+C+D
500,001 to 700000 B+C+D+E B+C+D+E+F
700,001 to 1,000,000 B+C+D+E+F B+C+D+E+F+G
1000,001 to 1,500,000 B+C+D+E+F+G B+C+D+E+F+G+H
1500,001 to 4,000,000 B+C+D+E+F+G+H I
Above 4,000,001 I I

52. :jf:Yo kl/If0f ljgf aLdf
l:jsf/ ug]{ cj:yf (Group B)
$_ lgDg lnlvt k]zfdf ;+nUg a9Ldf $^ aif{
;Ddsf JolQmx?af6 ?=%)),))) ;Dd .
;/sf/L, cw{ ;/sf/L, ;+:yfgdf gf]s/L ug]{
sd{rf/Lx?
k|fWofks, O{lGhlgo/, jlsn, 8fS6/, kqsf/, rf6{
8{ PsfpG6]G6, ;/sf/L tyf lghL ljBfnosf lzIfsx?
kmfOgfG; sDkgL, a}s, aLdf Pj+ klAns
lnld6]8sf sd{Rff/Lx?
;+rosf]if jf pkbfg jf k]G;gsf] Joj:Yff ePsf
sDkgLsf sd{rf/Lx?
cGt/fli6«o u}/ ;/sf/L ;+:yfdf sfo{/t sd{rf/Lx?
%_ pk/f]Qm /sdx? eGbf a9Lsf] aLdfdf

53. Medical Requirement for group B
Sum Assured Age Next Birthday
(NRs) Up to 46 47 - 65
500,000 or less Non medical B+C
500,001 to 700000 B+C+D B+C+D+E
700,001 to 1,000,000 B+C+D+E B+C+D+E+F
1000,001 to 1,500,000 B+C+D+E+F+G B+C+D+E+F+G+H
1500,001 to 4,000,000 B+C+D+E+F+G+H I
Above 4,000,001 I I

54. aLdf ubf{ cfjZos hGd ldlt
v'Ng] sfuhtfx?
gful/stf
kf;kf]6{
ljBfno jf sn]hsf] pd]/ v'n]sf] k|df0fkq
;jf/L rfns cg'dlt kq, jf s'g} klg ;/sf/L
dfGotf k|fKt kl/ro kq
aRrfx?sf] aLdfsf] nflu
c:ktfnsf] hGdbtf{ k|df0f kq jf hGdbtf{
k|df0fkq jf lrgf

55. sDkgLsf] kl/ro
 lj=;+=@)$$ ;fndf g]zgn nfOkm
P08 hg/n OG:of]/]G; klAns
lnld6]8 sDkgLsf] ?kdf
:yfkgf .
 aLdf P]g @)$( kZrft P]gsf]
bkmf !@ pkbkmf !$-s!_ cg';f/
g]zgn nfOkm OG:of]/]G;df

56. sDkgLsf] z]o/sf]
;+/rgf
g]kfnL ;:yfks ;b:ox?af6 $% k|ltzt
ljb]zL ;+:yfks ;b:o -l:nsf]6_
sDkgLaf6 !) k|ltzt
>L /fli6«o afl0fHo a}saf6 !) k|ltzt
g]kfnL ;j{;fwf/0f nufgLstf{x?af6
#% k|ltzt

57. g]zgn nfOkmsf]
ljz]iftf
g]kfn klxnf] klAns sDkgL
@# aif{ k"/fgf] sDkgL
nfvf} aLdtnfO{ ;Gt'i6 ;]jf k|bfg u/L
;s]s]f
k|fo afl0fHo a}sx?sf] sd{rf/Lx?sf]
aLdf k|fKt ug{ ;kmn
aLdf ;ldltsf sd{rf/Lx?sf] ;d]t

58. g]zgn nfOkmsf]
ljz]iftf
% c/a eGbf abL Reserve fund ePsf]
;+:yf
s'g} klg u'|ks]f monopoly gePsf]
;+:yf
/fli6«o afl0fHo a}s tyf l:nsf]6,
n08gsf] klg :jfldTj ePsf]
cn]Sh]08/ xfj8]g l/–OG:of]/]G;
a|f]s/ lnld6]8, n08g dfkm{t
Njfo8; ckm c08//fO6/ tyf cGo

59. ;fjlws hLjg aLdf
of]hgfsf] aLdfz'Ns u0fgf
ug]{ pbfx/0f
aLdfÍ /sd M ?=!,)),)))
aLdf rfxg] JolQmsf] pd]/ M #)
aif{
aLdfz'Ns e'QmfgL tl/sf M aflif{s
aLdf cjlw M !% aif{
cltl/Qm ;'ljwf (ADB+PTD+PWB) M lng]
aLdf z'Ns lgsfNg M k|lt xhf/
ljdfz'Nssf] nflu 6]a'ndf 7f8f] pd]/
sf]nddf #) df x]g]{ / t];f]{ cjlwdf

60. ;fjlws hLjg aLdf
of]hgfsf] aLdfz'Ns u0fgf
ug]{ pbfx/0f
6]a'n aLdfz'Ns b/ ?=^*=^(
aflif{s aLdfz'Ns ^*=%) !)) = ? ^*^(
yk cltl/Qm nfe
(ADB+PTD+PWB) @ !)) + @))
?= &)^(

62. hLjg cd[t aLdf of]hgf
of]hgfsf] aLdfz'Ns u0fgf ug]{
pbfx/0f
aLdfÍ /sd M ?=!,)),)))
aLdf rfxg] JolQmsf] pd]/ M #)
aif{
aLdfz'Ns e'QmfgL tl/sf M aflif{s
aLdf cjlw M @) aif{
cltl/Qm ;'ljwf (ADB+PWB+PTD) M lng]
aLdf z'Ns lgsfNg M k|lt xhf/
ljdfz'Nssf] nflu 6]a'ndf 7f8f] pd]/
sf]nddf #) df x]g]{ / t];f]{ cjlwdf

63. hLjg cd[t hLjg aLdf
of]hgfsf]
aLdfz'Ns u0fgf ug]{
pbfx/0f
6]a'n aLdfz'Ns b/ ?=&&=)(
aflif{s aLdfz'Ns ^*=%) !)) = ? &&)(
yk cltl/Qm nfe
(ADB+PTD+PWB) @ !)) + @))
?= &)^(

64. afn cd[t hLjg aLdf
of]hgfsf]
aLdfz'Ns u0fgf ug]{ pbfx/0f
aLdfÍ /sd M ?=!,)),)))
aLdf rfxg] JolQmsf] pd]/ M & aif{
k|:tfjssf] pd]/ M #) aif{
aLdfz'Ns e'QmfgL tl/sf M aflif{s
aLdf cjlw M !$ aif{
cltl/Qm ;'ljwf (PWB, MIB) M lng]
aLdf z'Ns lgsfNg M (PWB / MIB)Term Rider sf]
nflu k|:tfjssf]] pd]/ af6 aLdf cjlwsf]
cfwf/df /sd lgsfnL @) k|ltzt dfq /fVg] .

65. afn cd[t hLjg aLdf
of]hgfsf]
aLdfz'Ns u0fgf ug]{ pbfx/0f
6]a'n aLdfz'Ns b/
?=*!=$)
aflif{s aLdfz'Ns *!=$) !)) =
?=*!$)
yk Term Rider
6]a'n b/ ?=$=(
$=( x !))=$()
$() x @)% ?=(*
?=*@#*

66. k]zf cg';f/ cltl/Qm z'Ns gnfUg]
;fy} b'3{6gf ;'ljwf gkfpg]
• k|x/L -OG:k]S6/ b]vL dfyLsf] kb
• ;]gf -;]s]08 n]lkm6g]G6 b]vL dfyLsf]
kb
• sf/ tyf xn'sf ;jf/L rfns

67. k]zf cg';f/ cltl/Qm z'Ns nfUg]
;fy} b'3{6gf ;'ljwf gkfpg]
• k|x/L -OG:k]S6/ b]vL tnsf] kb
–?=@ k|lt xhf/
• ;]gf -;]s]08 n]lkm6g]G6 b]vL tnsf] kb
–?=@ k|lt xhf/
• 6«s, a;, 6ofS6/ rfns - x]eL 8«fOe/_
–?=@ k|lt xhf/

68. aLdf clestf{ Ohfht kq
lngsf] nflu cfjZos
of]Uotf
sDtLdf S.L.C. jf ;f] ;/xsf] kl/Iffsf]
rfl/lqs k|df0f kq / nAwfÍ kqsf]
kmf]6f]skLx? – $ k|lt
g]kfnL gful/stfsf] kmf]6f]skL–$
k|lt
aLdf ;ldlt jf ;ldltaf6 dfGotf
k|fKt ;+:yfaf6 aLdf ;DaGwL
tflnddf ;xefuL eO{ k|fKt u/]s]f

69. clestf{ Ohfht kq
gljs/0f af/] aif
clestf{sf] Ohfhtkq k|To]s
g]kfnL dlxgfsf] r}q d;fGt leqdf
gljs/0f ug'{kg]{5 .
r}q d;fGt ;Dd gljs/0f z'Ns ?=@))
nfUg]5 .
r}q d;fGt leqdf gljs/0f gu/]df
a}zfv b]lv h]i7 dlxgf ;Dd ?=$))
z'Ns nfUg]5 .
c;f/ b]lv c;f]h dlxgf ;Dd k|To]s

70. clestf{ Ohfht kq
gljs/0f af/] aif
clestf{sf] Ohfhtkq k|To]s
g]kfnL dlxgfsf] r}q d;fGt leqdf
gljs/0f ug'{kg]{5 .
r}q d;fGt ;Dd gljs/0f z'Ns ?=@))
nfUg]5 .
r}q d;fGt leqdf gljs/0f gu/]df
a}zfv b]lv h]i7 dlxgf ;Dd ?=$))
z'Ns nfUg]5 .
c;f/ b]lv c;f]h dlxgf ;Dd k|To]s