1. ELITE BUILDER
Age : 31 Sum Assured: 50,000
Term : 30
Payment : 8 years
Option 1 Option 3
Total Cummulative
premium paid of CB & SB @
Policy SB at begin of 5% compound
Year Age NB CB (Projected) (Guaranteed) Total CB & SB Year interest Withdraw
1 32 - - 15,591 0 8,027
2 33 3,000 - 3,000 31,182 3,000 19,292
3 34 1,500 - 1,500 46,773 4,650 33,620
4 35 1,750 - 1,750 62,364 6,633 48,736
5 36 1,750 - 1,750 77,955 8,714 65,598
6 37 1,750 - 1,750 93,546 10,900 83,986
7 38 2,000 - 2,000 109,137 13,445 103,471
8 39 2,500 2,000 4,500 124,728 18,617 124,162
9 40 2,500 2,000 4,500 124,728 24,048 131,747
10 41 2,500 4,000 6,500 124,728 31,750 139,742
11 42 2,500 2,000 4,500 124,728 37,838 148,157
12 43 2,500 2,000 4,500 124,728 44,230 157,003
13 44 2,500 2,000 4,500 124,728 50,941 166,325
14 45 2,500 2,000 4,500 124,728 57,988 176,148
15 46 2,500 4,000 6,500 124,728 67,388 186,498
16 47 2,500 2,000 4,500 124,728 75,257 197,402
17 48 2,500 2,000 4,500 124,728 83,520 208,870
18 49 2,500 2,000 4,500 124,728 92,196 220,955
19 50 2,500 2,000 4,500 124,728 101,306 233,691
20 51 2,500 4,000 6,500 124,728 112,871 247,114
21 52 2,500 2,000 4,500 124,728 123,015 261,256
22 53 2,500 2,000 4,500 124,728 133,665 276,138
23 54 2,500 2,000 4,500 124,728 144,849 291,823
24 55 2,500 2,000 4,500 124,728 156,591 308,356
25 56 2,500 4,000 6,500 124,728 170,921 325,783
26 57 2,500 2,000 4,500 124,728 183,967 344,147
27 58 2,500 2,000 4,500 124,728 197,665 363,483
28 59 2,500 2,000 4,500 124,728 212,048 383,867
29 60 2,500 2,000 4,500 124,728 227,151 405,355
Total 66,750 52,000 118,750
30 61 2,500 4,000 6,500 124,728 245,008 429,051
Basic Sum Assured : 100,000 100,000
Terminal Bonus : 84,043 84,043
Total at Maturity : 190,543
Total Cash Received under option1: 309,293
Total Cash Received under option 3 : 429,051
* The above illustrations are based on Scenario A of Gelsis 5.18

2. CALCULATION :
Premium : 15,591
200% of the sum assured : 100,000
TB on maturity : 84,043
Year CB SB
1-3 0.03 0 0.05
4-6 0.035 0
7 0.04 0
8-9 0.05 0.04
10 0.05 0.08
11 - 14 0.05 0.04
15 0.05 0.08
16 - 19 0.05 0.04
20 0.05 0.08
21 - 24 0.05 0.04
25 0.05 0.08
26 - 29 0.05 0.04
30 0.05 0.08

3. Projected return on
CB+SB over premium
(%)
-
9.62%
3.21%
2.81%
2.24%
1.87%
1.83%
3.61%
3.61%
5.21%
3.61%
3.61%
3.61%
3.61%
5.21%
3.61%
3.61%
3.61%
3.61%
5.21%
3.61%
3.61%
3.61%
3.61%
5.21%
3.61%
3.61%
3.61%
3.61%
5.21%
2.48

4. Saving Interest Rate
Year Amount 2% 3% 4%
1 15,400 15,708 15,862 16,016
2 30,800 31,730 32,200 32,673
3 46,200 48,073 49,028 49,996
4 61,600 64,742 66,361 68,011
5 77,000 81,745 84,214 86,748
6 92,400 99,088 102,602 106,234
7 107,800 116,778 121,542 126,499
8 123,200 134,821 141,050 147,575
9 123,200 137,518 145,282 153,478
10 123,200 140,268 149,640 159,617
11 123,200 143,073 154,129 166,002
12 123,200 145,935 158,753 172,642
13 123,200 148,854 163,516 179,548
14 123,200 151,831 168,421 186,730
15 123,200 154,867 173,474 194,199
16 123,200 157,965 178,678 201,967
17 123,200 161,124 184,039 210,045
18 123,200 164,346 189,560 218,447
19 123,200 167,633 195,247 227,185
20 123,200 170,986 201,104 236,272
21 123,200 174,406 207,137 245,723
22 123,200 177,894 213,351 255,552
23 123,200 181,452 219,752 265,774
24 123,200 185,081 226,344 276,405
25 123,200 188,782 233,135 287,462
26 123,200 192,558 240,129 298,960
27 123,200 196,409 247,332 310,918
28 123,200 200,337 254,752 323,355
29 123,200 204,344 262,395 336,289
30 123,200 208,431 270,267 349,741
Difference (2% & 3%), (2% & 4%), (2% & 5%) 61,836 141,310
Difference (3% & 4%), (3% & 5%) 79,474
Difference (4% & 5%)

5. 5%
16,170
33,149
50,976
69,695
89,349
109,987
131,656
154,409
162,130
170,236
178,748
187,685
197,069
206,923
217,269
228,133
239,539
251,516
264,092
277,297
291,161
305,719
321,005
337,056
353,908
371,604
390,184
409,693
430,178
451,687
243,256
181,420
101,946

6. ELITE BUILDER
Age : 31 Sum Assured: 50,000
Term : 30
Payment : 12 years
Option 1
Projected Total
return on premium
Policy SB CB+SB over paid at begin
Year Age NB CB (Projected) (Guaranteed) Total CB & SB premium (%) of Year
1 32 - - - 10,579
2 33 3,000 - 3,000 14.18% 21,158
3 34 1,500 - 1,500 4.73% 31,737
4 35 1,750 - 1,750 4.14% 42,316
5 36 1,750 - 1,750 3.31% 52,895
6 37 1,750 - 1,750 2.76% 63,474
7 38 2,000 - 2,000 2.70% 74,053
8 39 2,000 - 2,000 2.36% 84,632
9 40 2,000 - 2,000 2.10% 95,211
10 41 2,000 - 2,000 1.89% 105,790
11 42 2,000 2,000 1.72% 116,369
12 43 2,625 2,000 4,625 3.64% 126,948
13 44 2,625 2,000 4,625 3.64% 126,948
14 45 2,625 2,000 4,625 3.64% 126,948
15 46 2,625 4,000 6,625 5.22% 126,948
16 47 2,625 2,000 4,625 3.64% 126,948
17 48 2,625 2,000 4,625 3.64% 126,948
18 49 2,625 2,000 4,625 3.64% 126,948
19 50 2,625 2,000 4,625 3.64% 126,948
20 51 2,625 4,000 6,625 5.22% 126,948
21 52 2,625 2,000 4,625 3.64% 126,948
22 53 2,625 2,000 4,625 3.64% 126,948
23 54 2,625 2,000 4,625 3.64% 126,948
24 55 2,625 2,000 4,625 3.64% 126,948
25 56 2,625 4,000 6,625 5.22% 126,948
26 57 2,625 2,000 4,625 3.64% 126,948
27 58 2,625 2,000 4,625 3.64% 126,948
28 59 2,625 2,000 4,625 3.64% 126,948
29 60 2,625 2,000 4,625 3.64% 126,948
Total 67,000 42,000 109,000
30 61 2,625 4,000 6,625 5.22% 126,948
Basic Sum Assured : 100,000
Terminal Bonus : 73,970
Total at Maturity : 180,595
Total Cash Received under option1: 289,595 2.28
Total Cash Received under option 3 :

7. * The above illustrations are based on Scenario A of Gelsis 5.18
CALCULATION :
Premium : 10,579
200% of the sum assured : 100,000
TB on maturity : 73,970
Year CB SB
1-3 0.03 0 Compound Interest :
4-6 0.035 0
7 0.04 0
8-9 0.04 0
10 - 11 0.04 0
12 - 14 0.0525 0.04
15 0.0525 0.08
16 - 19 0.0525 0.04
20 0.0525 0.08
21 - 24 0.0525 0.04
25 0.0525 0.08
26 - 29 0.0525 0.04
30 0.0525 0.08

8. Option 3
Cummulative
of CB & SB @
5% compound
interest
0
3,000
4,650
6,633
8,714
10,900
13,445
16,117
18,923
21,869
24,963
30,836
37,002
43,478
52,276
59,515
67,116
75,097
83,477
94,275
103,614
113,420
123,716
134,527
147,878
159,897
172,517
185,768
199,681
216,290
100,000
73,970
390,260

9. 0.05