1. The premium rates have been sourced from either www.policybazar.com or the individual company's website as on 30-06-2014. 2. The above chart has been prepared taking (i) entry age of 30 years (ii) for the term period of 30 years (iii) for a maximum sum assured
cover of Rs 50 lakh applicable to both male/female (non-smokers). 3. The premiums mentioned above are only indicative and not in exact terms and pertain to offline policies. Premium rates can vary depending upon the following factors: (i) Smoker/ non-smoker (ii) Male/Female (iii) Single/ married (iv) Young/older parents 4. For the purpose of symmetric product comparison, we have excluded those term insurance companies who (i) offer policies less then Rs 25 lakh maximum sum assured and (ii) those whose claim settlement ratio is less than 83 %.