The monthly pension amounts of Rs. 32,000 and Rs. 16,000 are based on assumed rates of return of 8% p.a. and 4% p.a. for unit-linked insurance plans. This illustration serves as an example, and the returns are not guaranteed, dependent on the policy term, premium term, and other variable factors. The market-linked return of Rs. 32,000 is applicable for a 30-year-old individual with a policy term of 30 years and a premium-paying term of 12 years, with a monthly installment premium of Rs. 10,000. The investment risk in the policy is borne by the policyholder.

*Guaranteed income begins after the deferment period, determined by the annuity amount selected at the time of policy purchase and the premium paid. The policy remains active until the lifetime of the primary annuitant and continues after their death until the lifetime of the secondary annuitant. An option to choose a joint life plan and life annuity with 100% return of premium is also available.

*Guaranteed income begins after the deferment period, determined by the annuity rate fixed at the time of policy purchase and the premium paid. The policy remains active until the lifetime of the insured. An option to choose life annuity with 100% return of premium is also available. The monthly pension of Rs. 26,500 accumulates to an aggregate amount of Rs. 1.01 crore for a 45-year-old individual paying a premium of Rs. 15,000 per month for 15 years, living until the age of 92 years.