Insurance and Education

Shikar Insurance

<h2>
News</h2>
<div class="intro-text">
<span>Shikhar Insurance Company Ltd. (SICL)</span>
 is an established General Insurance Company promoted by a young team of
 reputed Industrial and Business Houses involved in various fields like 
Aviation, Banking, Manufacturing, Trading, Travel Trade, Media Houses 
etc.</div>
<ul>
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                           <div class="col-sm-1 col-md-1">
                               <a href="https://www.blogger.com/null"><span class="date">SUNDAY FEBRUARY 15TH, 2015</span>
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<a href="https://www.blogger.com/null">
                              
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                               <span class="date">SUNDAY JANUARY  3RD, 2016</span>
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                               <h3>
Allotment List of Further Public Offering</h3>
Shares
 of Shikhar Insurance Company Limited have been alloted in the premises 
of NIBL capital on Saturday(2/1/2016). Details of the allotment can be 
downloaded from this link<br />

<a href="https://www.blogger.com/null"><span>MORE +</span></a>
                              </div>
</li>
</ul>
<br />
                              </div>
<a href="https://www.blogger.com/null">
                              </a><div class="col-sm-7 col-md-7">
                               <h3>
Report Of Tenth Annual General Meeting.</h3>
Shikhar Insurance Co. Ltd. Tenth AGM Report.<br />

<span>MORE +</span>
                              </div>
<a href="https://www.blogger.com/null">
                          </a><a href="https://www.blogger.com/null">
                      </a></li>
<li>
                       
                           <div class="col-sm-1 col-md-1">
                               <span class="date">WEDNESDAY AUGUST 20TH, 2014</span>
                              </div>
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                                                              <br />
                              </div>
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                               <h3>
Branch Seminar Conducted</h3>
Shikhar Insurance Branch Seminar – 2071 has been 
conducted on 16th and 17th August at the corporate office of Shikhar 
Insurance Co. Ltd. Thapathali, Kathmandu. During the two days program, 
Department head and branch chiefs of all the branches of the company 
were gathered. During the program performance of all the branches in 
previous year was analyzed and plans and strategies for current year was
 discussed.<br />

<span>MORE +</span>
                              </div>
</li>
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                           <div class="col-sm-1 col-md-1">
                               <span class="date">TUESDAY FEBRUARY  4TH, 2014</span>
                              </div>
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                                                              <br />
                              </div>
<div class="col-sm-7 col-md-7">
                               <h3>
Notice on Book Closure for issuance of 2:1 right share published in “Abhiyan” daily.</h3>
As per decision on Eighth Annual General Meeting 
dated 19/06/2013, Shikhar Insurance Company Limited is going to issue 
right share on the ration of 2:1 (1 new Kitta for existing 2 Kitta). For
 this purpose the share transaction book will be closed on 02/04/2014.<br />
<br />
<br />
<div class="col-sm-9 col-md-9">
             <div class="col-main">
              <h2>
Management</h2>
<div class="intro-text inner-intro-text">
                        <span>Shikhar Insurance Company Ltd.</span> has 
been promoted by a young team of reputed Industrial and Business Houses 
of Nepal having vast experience and excellent leadership that has 
steered their respective companies through the years. There are 
seventeen individuals representing the various walks of life. They 
represent various diversified fields like Banking, Insurance, Trading, 
Manufacturing, Aviation, Tourism etc. The Company expects to achieve 
success under their able guidance.

The below mentioned Managers are responsible for the supervision of the 
overall affairs of the Company.                    </div>
<div class="row bod-list">
                    <div class="col-sm-3 col-md-3">
<img alt="Dip-sir-small-162x180" class="img-responsive wp-post-image" height="180" src="http://shikharinsurance.com/wp-content/uploads/2014/05/Dip-sir-small-162x1801.png" width="162" /></div>
<div class="col-sm-9 col-md-9 bod-intro">
                        <span class="chairman-intro">Mr. Dip Prakash Panday, <i>Chief Executive Officer</i></span>
                           <span>Mr. Dip Prakash Panday</span>,
 who has two decades experience in the insurance field and now working 
in Shikhar Insurance Company Ltd. (SICL) as CEO. Before joining Shikhar 
Insurance Company Ltd., he served as the General Manager at Everest 
Insurance for around ten years. His professional ability and prudence 
along with his strong belief in teamwork has helped him acquire 
experience in the local as well as in the international market. He gives
 lectures on insurance in various seminars organized by Beema Samiti and
 in other programs as well from time to time. He has also attended 
various training programs regarding insurance in UK, India etc.<br />

<div class="bod-contact">
          Phone: 4246101<br />          Email: <a href="mailto:%20dip@shikharinsurance.com">dip@shikharinsurance.com</a>         </div>
</div>
</div>
<div class="row bod-list">
                    <div class="col-sm-3 col-md-3">
<img alt="Bimal-sir-small1-180x180" class="img-responsive wp-post-image" height="180" src="http://shikharinsurance.com/wp-content/uploads/2014/02/Bimal-sir-small1-180x180.png" width="180" /></div>
<div class="col-sm-9 col-md-9 bod-intro">
                        <span class="chairman-intro">Mr. Bimal Raj Nepal, <i>Advisor</i></span>
                           <span>Mr. Bimal Raj Nepal</span> 
started his career in insurance since June, 1970 from Rastriya Beema 
Sansthan and had worked until 1995. Further, he continued the career in 
Premier Insurance Co. (Nepal) Ltd. in 1995 and has recently been with 
Shikhar Insurance Co. Ltd. since August, 2011. He’s core area of 
expertise is in Reinsurance and Claims. In pursuance of his knowledge, 
he had the opportunity to be trained in the college of Insurance in 
India, UK and Swiss Insurance Training Centre, Zurich (Switzerland) and 
had practical working attachments with the various well-known 
companies/Reinsurers and Brokers in India and the UK. He had also 
attended several seminars/conferences in Reinsurance in various 
countries e.g., India, Bangladesh, Singapore, Thailand and Egypt.<br />

<div class="bod-contact">
          Phone: 4246101<br />          Email: <a href="mailto:%20bimal@shikharinsurance.com">bimal@shikharinsurance.com</a>         </div>
</div>
</div>
<div class="row bod-list">
                    <div class="col-sm-3 col-md-3">
<img alt="puskar sir (small)" class="img-responsive wp-post-image" height="180" src="http://shikharinsurance.com/wp-content/uploads/2015/03/puskar-sir-small-162x180.png" width="162" /></div>
<div class="col-sm-9 col-md-9 bod-intro">
                        <span class="chairman-intro">Mr. PuskarMahat, <i>Senior Business Development Advisor </i></span>
                           Mr. Puskar Mahat, Senior Business 
Development Advisor at  SICL has an incomparable experience of almost 
three decades in the insurance field of Nepal. Before joining Shikhar 
Insurance Co. Ltd, he has worked with Neco Insurance Co. Ltd.<br />
The chronicle of his wide range of industrial knowledge include his work
 titles such as the Reader at Makwanpur Multiple Campus, Hetauda 
(1979-2006), DGM at the Neco Insurance Co. Ltd., Hetauda, while also 
holding the position of chairman of Narayani College, Hetauda, and the 
President Of Recruitment Committee of Hetauda Municipality Office, till 
date. Currently he is affiliated with the Rotary Club of Hetauda as a 
Member and Past President, Hetauda Municipality Office as a Member in 
Advisor Committee and Advisor in Narayani Yatayat Byabasayi Sangh from 
last 24 years till the date.<br />
His unparallel work experience makes him not only the strength of SICL 
but also an important asset to the economic sector of the country 
itself.<br />

<div class="bod-contact">
          Phone: 4246101<br />          Email: <a href="mailto:%20puskar@shikharinsurance.com">puskar@shikharinsurance.com</a>         </div>
</div>
</div>
<div class="row bod-list">
                    <div class="col-sm-3 col-md-3">
<img alt="sabita-madam-small-159x180" class="img-responsive wp-post-image" height="180" src="http://shikharinsurance.com/wp-content/uploads/2014/03/sabita-madam-small-159x180.png" width="159" /></div>
<div class="col-sm-9 col-md-9 bod-intro">
                        <span class="chairman-intro">Ms. Sabita Maskay, <i>Deputy General Manager</i></span>
                           <span>Ms. Sabita Maskey</span> has a
 long experience in the insurance sector, being in Beema Sansthan for 
more than 20 years. Since being exposed to insurance sector for so long 
period she has indepth knowledge regarding the General Practice of 
Insurance. She is the first ACII Chartered Insurer Lady of Nepal. During
 her span of career she has handled many departments in Beema Sansthan 
like Motor Vehicle Insurance for 5 years, Fire Insurance for 12 years 
and Administration for 4-5 years. She conducts training classes on 
insurance organized by Beema Samiti, Management Association of Nepal 
(MAN), Staff College and she was also the member of the subcommittee for
 the Fire Tariff. <br />

She is head of Underwriting Department.<br />

<div class="bod-contact">
          Phone: 4246101<br />          Email: <a href="mailto:%20sabita@shikharinsurance.com">sabita@shikharinsurance.com</a>         </div>
</div>
</div>
<div class="row bod-list">
                    <div class="col-sm-3 col-md-3">
<img alt="kafle-ji-small" class="img-responsive wp-post-image" height="180" src="http://shikharinsurance.com/wp-content/uploads/2014/05/kafle-ji-small.png" width="150" /></div>
<div class="col-sm-9 col-md-9 bod-intro">
                        <span class="chairman-intro">Mr. Udit Prasad Kafle, <i>Assistant General Manager</i></span>
                           <span>Mr. Udit Prasad Kafle</span> 
has been in the insurance field for 18 years and is the pioneer in 
establishing Shikhar Insurance Company Ltd. He worked more than 8 years 
in Everest Insurance Company Ltd. before joining Shikhar Insurance Co. 
Ltd. He has acquired sound knowledge of various departments like 
Underwriting, Reinsurance and Claim and Research. He has participated in
 various seminars and training programs in Nepal and India. He has 
participated in many training programs and seminars as resource person, 
organized by Beema Samiti and other organisations. He conducts programs 
in-house training to staff and Insurance Agents as well. His core 
strength lies in Underwriting so he assists the marketing team in 
dealing with the clients related to the technical aspects of insurance. <br />

He is head of Reinsurance Department.<br />

<div class="bod-contact">
          Phone: 4246101<br />          Email: <a href="mailto:%20udit@shikharinsurance.com">udit@shikharinsurance.com</a>         </div>
</div>
</div>
<div class="row bod-list">
                    <div class="col-sm-3 col-md-3">
<img alt="barishma-madam-small1-180x180" class="img-responsive wp-post-image" height="180" src="http://shikharinsurance.com/wp-content/uploads/2014/05/barishma-madam-small1-180x180.png" width="180" /></div>
<div class="col-sm-9 col-md-9 bod-intro">
                        <span class="chairman-intro">Ms. Barishma Acharya (Saud), <i>Assistant General Manager</i></span>
                           <span>Ms. Barishma Acharya (Saud)</span>
 has been in the insurance field since the year 2000 and has more than a
 decade experience in the Insurance field. She holds MBA degree from 
Kathmandu University and is the pioneer in establishing Shikhar 
Insurance Company Ltd. Previously she worked as an Assistant Manager at 
Everest Insurance Co. Ltd for three years. She has gained experience in 
various aspects of insurance like Marketing, Media Planning, Aviation 
Insurance, and Claims.  She has attended the Aviation training course 
organized by Marsh Ltd in 2001 in UK and also the Reinsurance training 
organized by GIC in Mumbai in 2009.<br />

She is head of Claim Department.<br />

<div class="bod-contact">
          Phone: 4246101<br />          Email: <a href="mailto:%20barishma@shikharinsurance.com">barishma@shikharinsurance.com</a>         </div>
</div>
</div>
<div class="row bod-list">
                    <div class="col-sm-3 col-md-3">
<img alt="suraj_large" class="img-responsive wp-post-image" height="180" src="http://shikharinsurance.com/wp-content/uploads/2014/01/suraj_large-153x180.png" width="153" /></div>
<div class="col-sm-9 col-md-9 bod-intro">
                        <span class="chairman-intro">Mr. Suraj Rajbahak, <i>Manager / Company Secretary</i></span>
                           <span>Mr. Suraj Rajbahak is a 
Chartered Accountant qualified from Institute of Chartered Accountants 
of Nepal (ICAN). He has obtained First Merit Rank in CA examinations of 
ICAN.<br />
Beside the role of Company Secretary, he is heading the Administration 
Department and Internal Control Department of the company.</span><br />

<div class="bod-contact">
          Phone: 4246101<br />          Email: <a href="mailto:%20suraj@shikharinsurance.com">suraj@shikharinsurance.com</a>         </div>
</div>
</div>
<div class="row bod-list">
                    <div class="col-sm-3 col-md-3">
<img alt="Nilesh-ji-small--164x180" class="img-responsive wp-post-image" height="180" src="http://shikharinsurance.com/wp-content/uploads/2014/01/Nilesh-ji-small-164x180.png" width="164" /></div>
<div class="col-sm-9 col-md-9 bod-intro">
                        <span class="chairman-intro">Mr. Nilesh Ratna Tuladhar, <i>Manager (Accounts)</i></span>
                           Mr. Nilesh Ratna Tuladhar is 
professionally qualified chartered accountant with more than 15 years of
 work experience in accounting, finance, auditing and taxation fields. 
He qualified his C.A. from ICAI, New Delhi and worked in India, U.K. and
 Nepal. Though accounts and finance is his core areas, he wants to make 
contribution to other areas of the organization as well through the 
experience he gained over the periods in various sectors. He believes 
the finance is the backbone of any business organization, so timely and 
accurate information along with other non financial indicators, helps 
business to achieve its objective and contribute its share to economic 
development of the country.<br />

<div class="bod-contact">
          Phone: 4246101<br />          Email: <a href="mailto:%20nilesh@shikharinsurance.com">nilesh@shikharinsurance.com</a>         </div>
</div>
</div>
</div>
</div>
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</div>
</li>
</ul>

Shikar Insurance

News Shikhar Insurance Company Ltd. (SICL) is an established General Insurance Company promoted by a young team of reputed Industrial ...

University Oxford

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                                            <h1>
New to the University</h1>
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                        <span class="field-item-single">The 
University of Oxford is the oldest university in the English-speaking 
world and a leader in teaching and research. It is a collegiate 
University, comprising the central University and the colleges.</span>
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                        <span class="field-item-single"><div id="intro">
This
 site provides a general introduction to the collegiate University and 
aims to cover some questions you may have when you first arrive.<br />
It is intended to supplement the detailed information contained in the University Staff Handbook<a href="https://www.blogger.com/null"> </a>and the online induction for new staff,
 as well as the training you will receive as part of your local 
induction. If you have moved to Oxford from overseas, please also visit 
the<u> </u><span style="color: black;">Information for </span>international staff website.<br />
Each
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areas, with further information available as weblinks at the end of each
 section.<br />
 <span class="field-item-single"><img align="middle" alt="Image result for Oxford  university picture" border="0" class="iuth" data-deferred="1" height="220" id="uid_1" 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" style="margin: 0px -183px 0px 0px;" title="http://www.ox.ac.uk/about/organisation" width="640" /></span><br />
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<header class="main-title" id="main-title">
                                            <h1>
Sources of Information</h1>
</header>

<span class="field-item-single"><h2 class="teaser" id="aevents_listings">
Guides and handbooks</h2>
<div>
<div class="teaser" id="aguides_and_handbooks">
<div>
<ul>
<li>About the University<br />An
 overview of the collegiate University, including its history, 
structure, and statistics relating to staff and student numbers.</li>
</ul>
<ul>
<li>Expenses and benefits guide<a href="https://www.blogger.com/null">  </a><br />Information about claiming reimbursement of expenses incurred on behalf of the University.</li>
<li>Living Out Guide<br />Produced
 by the Oxford University Student Union, the guide is aimed at students,
 but contains information which may be of interest to new staff, 
including information about where to find accommodation and advice when 
renting accommodation.</li>
<li>Staff Handbook<br />A guide for 
University staff, covering terms and conditions of employment, policies 
and procedures, and staff benefits. There are two versions: one for academic-related staff and one for support staff<a href="https://www.blogger.com/null">.</a></li>
</ul>
</div>
</div>
<div class="teaser" id="aonline_resources">
<h2>
Online resources</h2>
<div>
<ul>
<li>Staff Gateway<br />An
 online entry point to a range of information and resources on the 
University website that are of particular use to members of staff.</li>
<li>Staff news <br />An online news service for members of staff, which provides news and updates relating to University business and life.</li>
<li>Update on major issues<br />A summary of a number of key issues affecting University staff.</li>
</ul>
<ul>
<li>Induction for new staff<br />An online course, provided by the Oxford Learning Institute, which offers a general introduction to the collegiate University. </li>
</ul>
<ul>
<li>Information for academic staff<br />Employment-related information including appointments and leave.</li>
<li>Advice for new academic staff<br />Information about training, mentoring, policies and procedures, and resources.</li>
<li>Information for research staff<br />Information about career and professional development.</li>
<li>Information for international staff<br />Information about relocating to the UK from overseas.</li>
</ul>
<div class="teaser" id="apublications">
<h2>
Publications</h2>
<div>
The main University-wide publications include:<br />
<ul>
<li>Annual Review<br />Published each January, the <em>Annual Review</em>
 contains articles on research and developments at Oxford, as well as 
information on honours, appointments, major benefactions, and the year's
 financial statements.</li>
</ul>
<ul>
<li>Blueprint<br />A
 magazine for staff of the collegiate University. Published twice a 
term, it carries a mix of news and features, together with information 
about people and awards, and other aspects of University life.</li>
</ul>
<ul>
<li>Gazette<br />The
 authorised journal of record of the collegiate University, which is 
published weekly from September to July, with brief breaks in the 
Christmas and Easter vacations. Information on the University's formal 
business, including changes to Statutes and Regulations and meetings of 
Congregation, must be published in the <em>Gazette</em>. It also 
includes announcements of events, appointments to University posts, 
vacancies for academic and senior administrative posts, and notices 
about grants available.</li>
</ul>
<ul>
<li>University Calendar<br />Published
 by Oxford University Press each academic year, the Calendar is a 
compendium of information about divisions, departments, colleges, 
committees and University Officers. It can be purchased from local 
bookshops.</li>
</ul>
You can sign up to receive a print copy or email alert for the <em>Gazette </em>and/or<em> Blueprint </em>by
 completing the online form at Manage my Subscriptions. If you would 
like to receive sample copies of the publications before registering 
your preferences, please email <span class="field-item-single"><span style="color: red;">gazette@admin.ox.ac.uk</span> </span>to receive a taster pack.</div>
</div>
</div>
</div>
</div>
</span><br /></div>
</span>
        </div>

University Oxford

New to the University T...

Flood Insurance

<h1 class="entry-title">
                      Flood Insurance</h1>
<h1 class="entry-title" style="text-align: justify;">
<span style="font-weight: normal;"><span style="font-size: small;">Did you know that your homeowners insurance does not cover flood 
damage? Insurance against flood must be obtained separately. A flood 
insurance policy also reimburses you for the work that you and other 
family members did to sandbag your homes, move furniture and remove 
debris.</span></span></h1>
<div style="text-align: justify;">
<span style="font-size: small;">The Federal Emergency Management Agency’s (FEMA) maps are 
important when it comes to flood insurance because if they show that 
your home sits in a 100-year flood plain, you must buy federal flood 
insurance in order to get a mortgage. If you live outside a high-risk 
zone, or if you no longer have a mortgage, flood insurance is optional.</span></div>
<h1 class="entry-title" style="text-align: justify;">
<img alt="Flood Insurance" class=" alignright bf-image wp-image-4008 personal-flood" height="640" src="http://www.asiainsurance.com/wp-content/uploads/sites/1255/2015/10/personal-flood-200x300.jpg" title="Flood Insurance" width="426" /></h1>
<div style="text-align: justify;">
<br /></div>
<h1 class="entry-title">
Individual & Family Health Insurance</h1>
<div style="text-align: justify;">
<span style="font-weight: normal;"><span style="font-size: small;">Individual health insurance programs are designed for individuals and
 families who cannot obtain health insurance through an employer. Due to
 the continually rising cost of medical care, it has become more 
important to provide health insurance for you and your families.</span></span></div>
<div style="text-align: justify;">
Associated
 Services Insurance Agency offers health insurance programs to 
individuals which offer extensive coverage as well as high-deductible 
programs which are designed to protect against catastrophic financial 
losses.</div>
<div style="text-align: justify;">
As an independent agency, Associated Services Insurance 
Agency can provide insurance plans from numerous health insurance 
companies. With the health insurance market changing frequently, we are 
always on the lookout for quality, service-oriented insurance companies 
for our clients.</div>
<ul style="text-align: justify;">
<li style="text-align: justify;"> Insurance designed for students and adults</li>
<li>Lowest rate</li>
<li>Service provided worldwide 24 hours and 7 days.</li>
</ul>
<a href="http://google.com/">google.com</a> <br />
 <img alt="Individual & Family Health Insurance" class=" alignright bf-image wp-image-3987 health" height="640" src="http://www.asiainsurance.com/wp-content/uploads/sites/1255/2015/10/health-200x300.jpg" title="Individual & Family Health Insurance" width="426" /><br />
<h1 class="entry-title" style="text-align: justify;">
<br /></h1>

Flood Insurance

Flood Insurance Did you know that your homeowners insurance does not cover flood damage? Insurance against flood m...

Yale University

<h3 class="Summary even">
Summary</h3>
<a href="https://www.blogger.com/null" name="blurb"></a>

Yale University is a private institution that was founded in
    1701.
  
  
    
      It
    
  
  
    has a total undergraduate enrollment of 5,477,
    its setting is urban,
    and the campus size is 343 acres.
  
  
    
      It utilizes a semester-based academic calendar.
    
  
  
    Yale University's ranking in the 2016 edition of Best Colleges
    is National Universities,
    
      3.
    
  
  
    Its tuition and fees are $47,600 (2015-16).
  
<br />

Yale University, located in New Haven, Connecticut, is known for its 
excellent drama and music programs, which reach outside the classroom 
with student organizations such as the Yale Whiffenpoofs, a famous a 
cappella group, and the Yale Dramatic Association. The Yale Bulldogs 
compete in the Ivy League and are well known for their rivalry with 
Harvard. Students are assigned to live in one of 12 residential colleges
 during their time at Yale. Each college has a master and dean who live 
in the college and eat with students in the dining halls. Cultural 
houses provide a space for students to build a sense of cultural 
identity on campus.<br />

Yale is made up of the College, the Graduate School of Arts and 
Sciences and 13 professional schools. Included in the professional 
schools are the top ranked Law School and highly ranked School of Management<a href="https://www.blogger.com/null">, School of Medicine , School of Art </a>and School of Nursing.
 The School of Drama, School of Forestry and Environmental Studies and 
Divinity School are also well-regarded graduate programs. The Yale 
Record is the oldest college humor magazine in the nation. Dwight Hall 
is an independent umbrella organization that fosters student service and
 activism in the local New Haven community. Yale is well known for its 
secret societies, the most famous of which are the Skull and Bone 
Society, which boasts members such as George W. Bush and John Kerry, and
 the Scroll and Key Society. Distinguished Yale alumni include actress 
Meryl Streep, Washington Post reporter Bob Woodward and actor Edward 
Norton.<br />
 <a href="http://google.com/">google.com</a><br />
 <img height="402" src="http://www.usnews.com/img/college-photo_8737._445x280-zmm.jpg" width="640" /><br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
The student-faculty ratio at Yale University is
      6:1, and the school has 74.6 percent
      of its classes with fewer than 20 students.
    
    
      The most popular majors at Yale University include: Economics, 
General; Political Science and Government, General; Biology/Biological 
Sciences, General; History, General; and Psychology, General.
    
    
      The average freshman retention rate, an indicator of student 
satisfaction,
      is 98.8 percent.

Yale University

Summary Yale University is a private institution that was founded in 1701. It has a total und...

Kathmandu University

<h3 class="r">
<span style="color: lime;"><strong><span class="s1">Department Overview</span></strong></span> </h3>
<h3 class="r" style="text-align: justify;">
<span style="font-size: small;">Founded in 1994, <a href="http://www.ku.edu.np/"><span class="s2"><b>Kathmandu University, Dhulikhel</b></span></a>, has rapidly achieved a status of one of the top institutions in the nation for higher education and scientific research.</span></h3>
<span style="font-size: small;">
</span><div class="p3" style="text-align: justify;">
<span style="font-size: small;">With the need to develop and deploy the digital concepts 
that are changing the world rapidly with astonishing inventions and 
innovation,Kathmandu University launched Computer Science and 
Engineering program.</span></div>
<span style="font-size: small;">
</span><div class="p3" style="text-align: justify;">
<span style="font-size: small;"><span class="s1">With some 18+ years of fruitful 
experience in the field of computing, the department possesses a strong 
background in providing quality education to the students herein. 
Continuous interaction,contact hours,technology and project 
work/industry internship are the compelling factor for KU to be the 
first choice of students.</span></span></div>
<span style="font-size: small;">
</span><div class="p3" style="text-align: justify;">
<span style="font-size: small;"><span class="s1">The dissolved set of diverse faculties 
with quest of leadership education and each fashioned in providing up-to
 date course materials are the key points in selecting KU’s Computer 
Engineering as the career step by most of the students.</span></span></div>
<div class="p3" style="text-align: justify;">
<br /></div>
<div class="p3" style="text-align: justify;">
<span style="font-size: small;"><span class="s1"><a href="mailto:bheshukc2@gmail.com" target="_blank">google.com </a></span></span></div>
<h3 class="r" style="text-align: justify;">
<img class="huge_it_slideshow_image_2" id="huge_it_slideshow_image_2" src="http://www.ku.edu.np/cse/wp-content/uploads/2015/04/DSC_4652.jpg" style="height: 328.75px; opacity: 1; width: 526px;" /></h3>
<h3 class="r" style="text-align: justify;">
<span style="color: lime;"><span style="font-size: small;"><strong><span class="s1"> </span></strong></span></span></h3>
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</h3>
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</h3>
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</h3>
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</h3>
<h3 class="r" style="text-align: justify;">
</h3>
<h3 class="r" style="text-align: justify;">
<strong><span class="s1">[SALIENT FEATURES]</span></strong></h3>
<ul>
<li class="p3"><span class="s1">Involvement of IT expert in the subject committee.</span></li>
<li class="p3"><span class="s1">Updated syllabus to meet the industry requirement.</span></li>
<li class="p3"><span class="s1">Faculty members with reputed degrees and expertise.</span></li>
<li class="p3"><span class="s1">Industry based Faculty members</span></li>
<li class="p3"><span class="s1">Intensive guidance by the faculties.</span></li>
<li class="p3"><span class="s1">Industry based internship(3 months)</span></li>
<li class="p3"><span class="s1">Higher contact hours</span></li>
<li class="p3"><span class="s1">Project works based learning methodology</span></li>
<li class="p3"><span class="s1">Industry standard mini and mega projects.</span></li>
<li class="p3"><span class="s1">1:1 ration of computers and students</span></li>
<li class="p3"><span class="s1">100% industry absorption rate</span></li>
<li class="p3"><span class="s1">24 * 7 internet connectivity(including hostel)</span></li>
<li class="p3"><span class="s1">Visiting faculties from software industries.</span></li>
<li class="p3"><span class="s1">Frequently seminar organised by IT-experts.</span></li>
<li class="p3"><span class="s1">Internationally acceptable grading system</span></li>
<li class="p3"><span class="s1">Video Conferencing and E-learning</span></li>
</ul>
<br />

<div class="p3">
<strong><span class="s1">[CAREER PROSPECTS]</span></strong></div>
<ul>
<li class="p3"><span class="s1">Software Industries</span></li>
<li class="p3"><span class="s1">Research and Development</span></li>
<li class="p3"><span class="s1">Academics</span></li>
<li class="p3"><span class="s1">Financial Institutions</span></li>
<li class="p3"><span class="s1">NGO/INGO</span></li>
<li class="p3"><span class="s1">Government recruitment</span></li>
</ul>
<br />

<div class="p3">
<strong><span class="s1">[RESEARCH ACTIVITIES]</span></strong></div>
<div class="p3">
<span class="s1">Research activities determine the gravity
 of academic entity. At DoCSE,faculty members and students devote 
significant amount of time in research activities, thus keeping 
themselves abreast with the state of the art technology.</span></div>
<div class="p3">
<span class="s1">Current research areas at Department of 
Computer Science and Engineering includes Natural Language Processing, 
Software Engineering and Grid Computing.</span></div>
<h3 class="r" style="text-align: justify;">
<br /></h3>
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</h3>
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</h3>
<h3 class="r" style="text-align: justify;">
</h3>
<h3 class="r">
<span style="color: lime;"> </span></h3>

Kathmandu University

Department Overview Founded in 1994, Kathmandu University, Dhulikhel , has rapidly achieved a status of one of the top institutions in ...

KANTIPUR CITY COLLEGE, KATHMANDU

<div style="text-align: justify;">
                      
                KANTIPUR CITY COLLEGE, KATHMANDU </div>
<div class="sixteen columns ">
<div class="message-box-wrapper green">
<div class="message-box-title">
Vision</div>
<div class="message-box-content">
<div align="justify">
Kantipur
 City College lays special stress on producing human resources to meet 
the challenges of contemporary times through transmitting knowledge and 
skills to the students. Its focus on student-centric innovative 
education, training and career build-up has been instrumental in 
facilitating its graduates to compete well in the market.</div>
<div align="justify">
<br /></div>
</div>
</div>
</div>
<div style="text-align: justify;">
 <img alt="" height="211" src="http://www.kcc.edu.np/wp-content/uploads/study_kcc1-940x310.png" style="opacity: 1; visibility: visible;" width="640" /></div>
<div style="text-align: justify;">
</div>
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</div>
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</div>
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</div>
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</div>
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</div>
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</div>
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</div>
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</div>
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</div>
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</div>
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</div>
<div style="text-align: justify;">
</div>
<div class="sixteen columns mt10 mb20">
<h1 class="gdl-page-title gdl-title title-color">
 Facilities</h1>
</div>
<div class="gdl-page-float-left">
<div class="gdl-page-item">
<div class="sixteen columns mb20">
<div class="gdl-page-content">
<div style="text-align: justify;">
KCC
 offers state-of-the-art technology and best infrastructure within its 
campus. Students have access to all the resources and equipments 
necessary for study and research.</div>
<div style="text-align: justify;">
<span style="color: red;"><strong>Computer Center</strong></span><br />
KCC incorporates a well-equipped computer center comprising of 100 
computers networked together with a high-speed backbone (100 mbps). This
 center provides students access to various computing facilities and 
services from 6:00 to 20:00 hrs. Services that are embedded at KCC`s 
intranet are:</div>
<div style="text-align: justify;">
A 24 hrs high-speed Internet Connectivity through a dedicated radio link facilitates students for an easy access to Internet.</div>
<div style="text-align: justify;">
An Electronic Library , a repository of 
various books and research papers in digital form, provides flexible 
searching and listing of unlimited information.</div>
<div style="text-align: justify;">
An Online Lecture System , a virtual 
classroom runs on top of intranet system at KCC computer center, where 
lecture notes, assignments and other reference materials are posted and 
collected.</div>
<div style="text-align: justify;">
A well structured Student Information 
System runs on KCC intranet where students log on to collect their 
academic reports, teachers log on to feed academic grading of students, 
and management log on to keep closer look on students` academic 
progress.</div>
<div style="text-align: justify;">
An active Discussion board , running on 
the intranet, helps KCC family for prompt and efficient internal 
communication and effective interaction.<br />
<span style="color: red;"><br />
<strong>Library & Resources Center</strong></span></div>
<div style="text-align: justify;">
The Librarian works with the Learning 
Resources Committee and individual faculty to collect print and 
non-print resources. The collection emphasizes on Information 
Technology, Engineering, Management Information System, Business 
Administration, etc.</div>
<div style="text-align: justify;">
<strong><span style="color: #003399;"><span style="color: red;">Sports & Recreation </span> </span></strong></div>
<div style="text-align: justify;">
KCC provides good numbers of sports 
facilities like- Table Tennis, Badminton, Cricket, Football, etc. 
Students participate in Media club, Sports club and Cultural club. It 
keeps the spirit of sports and extra-curricular activities alive and 
kicking.</div>
<div style="text-align: justify;">
Every year KCC organizes an 
Inter-College Cricket Tournament, KCC Running Trophy. Twelve different 
colleges, affiliated to Purbanchal University, competed for KCC Running 
Trophy-2003.</div>
</div>
</div>
</div>
</div>
<div style="text-align: justify;">
<br /></div>

KANTIPUR CITY COLLEGE, KATHMANDU

KANTIPUR CITY COLLEGE, KATHMANDU Vision Kantipur City College lays special stress on produc...

Car Insurance

<h2 style="text-align: justify;">
Cover for your car and other people's vehicles and property</h2>
<div style="text-align: justify;">
Comprehensive Car Insurance in NSW starts from as little as $1.60 a 
day. For that we cover your car for accidental damage, collision or 
crash, severe weather, theft, vandalism or malicious acts. Plus we cover
 the extras on your car like alloy wheels, sunroofs and custom sound 
systems^. It also includes hire car cover for up to 21 days if your 
car's stolen.</div>
<div style="text-align: justify;">
Upgrade to our Comprehensive Plus Car Insurance
 for all the cover of our Comprehensive Car Insurance with extras 
including hire car, excess-free windscreen, sunroof, glass cover and 
more.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<a href="mailto:bheshukc2@gmail.com" target="_blank">google.com </a></div>
<div style="text-align: justify;">
 <img alt="Image result for australia expensive car picture" class="rg_i" data-src="https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcT1bqTQybi-_3xCJih0hBVkxv0MlE89Q-YFEgLSP4z3HxNC7ZoRIA" data-sz="f" height="388" name="nI_1WuAWoacpZM:" src="https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcT1bqTQybi-_3xCJih0hBVkxv0MlE89Q-YFEgLSP4z3HxNC7ZoRIA" style="height: 175px; margin-left: 0px; margin-right: -36px; margin-top: 0px; width: 288px;" width="640" /></div>
<h3 style="text-align: justify;">
Do you drive for a ridesharing service like UberX?</h3>
<div style="text-align: justify;">
We're making ridesharing insurance easy by including it in our car insurance products.</div>
<ul class="disc" style="text-align: justify;">
<li>Simply get a quote and when asked if you use your vehicle for business purposes, select ridesharing</li>
<li>Existing customers, please call us on 132 132 so we can update your policy</li>
</ul>
<h2>
Why choose NRMA Insurance?</h2>
<ul class="checked">
<li>Automatic cover for modifications, options and accessories</li>
<li>Flexible excess levels to help reduce your premium</li>
<li>With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save.</li>
<li>Experience – we've been insuring Australians for over 85 years</li>
<li>We cover anyone who drives your car**</li>
<li>Lifetime guarantee on repairs we authorise</li>
<li>24/7 Helpline assistance</li>
<li>No Claim Bonus - receive up to 65% No Claim Bonus if you have a good claims history</li>
</ul>

Car Insurance

Cover for your car and other people's vehicles and property Comprehensive Car Insurance in NSW starts from as little as $1.60 a day....

Rice University

<h1 class="hero--overlayed-text profile-title" style="background-color: #fafafa; font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 2.4em; font-style: normal; font-variant: normal; font-weight: 600; letter-spacing: normal; line-height: 1.1; margin-bottom: 0px; margin-top: 0px; text-align: start; text-indent: 0px; text-rendering: optimizelegibility; text-shadow: 0px 3px 2px rgba(0, 0, 0, 0.498); text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;">
Rice University</h1>
<h1 class="hero--overlayed-text profile-title" style="font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 2.4em; font-style: normal; font-variant: normal; font-weight: 600; letter-spacing: normal; line-height: 1.1; margin-bottom: 0px; margin-top: 0px; text-align: justify; text-indent: 0px; text-rendering: optimizelegibility; text-shadow: 0px 3px 2px rgba(0, 0, 0, 0.498); text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;">
<span style="background-color: white;"><span style="display: inline ! important; float: none; font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 25.6px; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;">Rice's superb academics on an attractive residential campus on the edge of sprawling Houston can make those who still put gasoline in cars feel better about oil company profits, as some of that cash is going into a large endowment. A residential college system like Yale's subdivides Rice's student body into manageable units for living and learning, a human touch leavening the intensity. The framed pictures of world leaders in the James Baker School may make Republicans feel more comfortable here than at other elite but more liberal institutions. Regardless of one's politics, the education available is first class.</span></span></h1>
<h1 class="hero--overlayed-text profile-title" style="background-color: #fafafa; font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 2.4em; font-style: normal; font-variant: normal; font-weight: 600; letter-spacing: normal; line-height: 1.1; margin-bottom: 0px; margin-top: 0px; text-align: start; text-indent: 0px; text-rendering: optimizelegibility; text-shadow: 0px 3px 2px rgba(0, 0, 0, 0.498); text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;">
<span style="-webkit-text-stroke-width: 0px; background-color: #fafafa; color: #666666; display: inline !important; float: none; font-family: ProximaNova, 'Helvetica Neue', Helvetica, sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 25.6px; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"> </span><img alt="Rice University" height="477" src="https://images.noodle.com/profiles/college_institution/cok4/photos/MTMzNjc3MjY2MlF1YWQ.jpeg" width="640" /> </h1>
<div class="h2 profile-top-level-heading" style="-webkit-text-stroke-width: 0px; background-color: #fafafa; color: #333333; font-family: ProximaNova, 'Helvetica Neue', Helvetica, sans-serif; font-size: 34.18px; font-style: normal; font-variant: normal; font-weight: 600; letter-spacing: normal; line-height: 1.1; margin-bottom: 1em; margin-top: 0px; orphans: auto; text-align: start; text-indent: 0px; text-rendering: optimizeLegibility; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;">
Admissions<div class="ask-on-profile-container" style="display: inline-block; float: right; margin: 0px;">
<br /></div>
</div>
<div style="text-align: justify;">
<section class="profile-sub-section" id="selectivity-section" style="background-color: #fafafa; color: #333333; display: block; font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 25.6px; margin-bottom: 2.5em; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"><h3 style="font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 27.34px; font-weight: 600; line-height: 1.25; margin-bottom: 12.5px; margin-top: 0px; text-rendering: optimizelegibility;">
Selectivity</h3>
<div class="row-fluid" style="width: 575px;">
<div class="span6 phone-full-width" style="box-sizing: border-box; display: block; float: left; margin-left: 0px; min-height: 35px; width: 281.375px;">
Selectivity Score:<span class="Apple-converted-space"> </span><b>90/100</b></div>
<div class="reportcard-wrapper reportcard-selectivity pull-right span6 phone-full-width" style="box-sizing: border-box; display: block; float: right; margin-left: 12.2188px; min-height: 35px; width: 281.375px;">
<div class="reportcard-item-wrapper" style="margin-bottom: 1px;">
<div class="reportcard-item-metric-wrapper" style="color: #868686; font-size: 0.7em; margin-bottom: 4px; margin-left: 2.4em;">
<div class="reportcard-numeric-score" style="float: right;">
<br /></div>
<div class="reportcard-metric-name">
<br /></div>
</div>
</div>
</div>
</div>
<div style="margin-bottom: 12.5px; margin-top: 0px;">
Acceptance Rate:<span class="Apple-converted-space"> </span><b>16.7%</b><span class="Apple-converted-space"> </span>accepted of<span class="Apple-converted-space"> </span><b>15,415</b><span class="Apple-converted-space"> </span>applications</div>
<div style="margin-bottom: 12.5px; margin-top: 0px;">
<b>100%</b><span class="Apple-converted-space"> </span>of students graduated in the<span class="Apple-converted-space"> </span><strong style="font-weight: 700;">top half</strong><span class="Apple-converted-space"> </span>of their class.<span class="Apple-converted-space"> </span><br /><b>97%</b><span class="Apple-converted-space"> </span>of students graduated in the<span class="Apple-converted-space"> </span><strong style="font-weight: 700;">top quarter</strong><span class="Apple-converted-space"> </span>of their class.<span class="Apple-converted-space"> </span><br /><b>90%</b><span class="Apple-converted-space"> </span>of students graduated in the<span class="Apple-converted-space"> </span><strong style="font-weight: 700;">top tenth</strong><span class="Apple-converted-space"> </span>of their class.</div>
<table class="table" style="background-color: transparent; border-collapse: collapse; border-spacing: 0px; display: table; margin-bottom: 25px; margin-left: 0px; margin-right: 0px; max-width: 100%; overflow-x: auto; text-align: left; width: 575px;"><thead>
<tr><th style="border-top-width: 0px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: bottom; width: 171px;"><br /></th><th style="border-top-width: 0px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: bottom; width: 181px;"><br /></th><th style="border-top-width: 0px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: bottom; width: 175px;">25<sup style="font-size: 12px; line-height: 0; position: relative; top: -0.5em; vertical-align: baseline;">th</sup><span class="Apple-converted-space"> </span>- 75<sup style="font-size: 12px; line-height: 0; position: relative; top: -0.5em; vertical-align: baseline;">th</sup><span class="Apple-converted-space"> </span>Percentile</th></tr>
</thead><tbody>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 171px;">ACT</th><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 181px;">Composite</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">31 - 34</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 171px;"><br /></th><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 181px;">English</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">31 - 35</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 171px;"><br /></th><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 181px;">Math</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">30 - 35</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 171px;"><br /></th><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 181px;">Writing</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">8 - 9</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 171px;"><br /></th><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 181px;"><br /></th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;"> </td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 171px;">SAT</th><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 181px;">Math</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">700 - 790</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 171px;"><br /></th><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 181px;">Reading</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">670 - 760</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 171px;"><br /></th><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 181px;">Writing</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">670 - 770</td></tr>
</tbody></table>
</section><section class="profile-sub-section" style="background-color: #fafafa; color: #333333; display: block; font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 25.6px; margin-bottom: 2.5em; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"><h3 style="font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 27.34px; font-weight: 600; line-height: 1.25; margin-bottom: 12.5px; margin-top: 0px; text-rendering: optimizelegibility;">
Admission Considerations</h3>
<div style="margin-bottom: 12.5px; margin-top: 0px;">
<b>Very Important:</b><span class="Apple-converted-space"> </span>Talent Ability, Standardized Test Scores, Rigor Of Secondary School Record, Recommendations, Extracurricular Activities, Class Rank, Character Personal Qualities, Application Essay, Academic GPA</div>
<div style="margin-bottom: 12.5px; margin-top: 0px;">
<b>Important:</b><span class="Apple-converted-space"> </span>Level Of Applicants Interest</div>
<div style="margin-bottom: 12.5px; margin-top: 0px;">
<b>Also Considered:</b><span class="Apple-converted-space"> </span>Work Experience, Volunteer Work, State Residency, Racial Ethnic Status, Interview, Geographical Residence, First Generation College Student, Alumni Relation</div>
</section><section class="profile-sub-section" style="background-color: #fafafa; color: #333333; display: block; font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: 25.6px; margin-bottom: 2.5em; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;"><b>High School Curriculum (years of study):</b><table class="table" style="background-color: transparent; border-collapse: collapse; border-spacing: 0px; display: table; margin-bottom: 25px; margin-left: 0px; margin-right: 0px; max-width: 100%; overflow-x: auto; text-align: left; width: 575px;"><thead>
<tr><th style="border-top-width: 0px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: bottom; width: 163px;"><br /></th><th style="border-top-width: 0px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: bottom; width: 162px;">Required</th><th style="border-top-width: 0px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: bottom; width: 202px;">Recommended</th></tr>
</thead><tbody>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 163px;">English</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">4</td><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">0</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 163px;">Math</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">3</td><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">4</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 163px;">Science</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">2</td><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">4</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 163px;">Science Lab</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">2</td><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">4</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 163px;">Social Studies</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">2</td><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">4</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 163px;">Foreign Language</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">2</td><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">4</td></tr>
<tr><th style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; font-weight: 700; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top; width: 163px;">Academic Electives</th><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">3</td><td style="border-top-color: rgb(221, 221, 221); border-top-style: solid; border-top-width: 1px; line-height: 1.6; padding: 8px; text-align: left; vertical-align: top;">0</td></tr>
</tbody></table>
<div style="margin-bottom: 12.5px; margin-top: 0px;">
<b>Other Application Information</b>: All SAT Scores Required for Review SAT Reasoning Test and Subject Tests; or ACT</div>
</section></div>
<h1 class="hero--overlayed-text profile-title" style="background-color: #fafafa; font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 2.4em; font-style: normal; font-variant: normal; font-weight: 600; letter-spacing: normal; line-height: 1.1; margin-bottom: 0px; margin-top: 0px; text-align: justify; text-indent: 0px; text-rendering: optimizelegibility; text-shadow: 0px 3px 2px rgba(0, 0, 0, 0.498); text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;">
 </h1>
<h1 class="hero--overlayed-text profile-title" style="background-color: #fafafa; color: white; font-family: ProximaNova,"Helvetica Neue",Helvetica,sans-serif; font-size: 2.4em; font-style: normal; font-variant: normal; font-weight: 600; letter-spacing: normal; line-height: 1.1; margin-bottom: 0px; margin-top: 0px; text-align: justify; text-indent: 0px; text-rendering: optimizelegibility; text-shadow: 0px 3px 2px rgba(0, 0, 0, 0.498); text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;">
 </h1>

Rice University

Rice University Rice's superb academics on an attractive residential campus on the edge of sprawling Houston can make those who still...

History of education in Nepal

<br />
<div style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em; text-align: justify;">
History of Education has established itself as a leading, international,
 peer-reviewed journal, focusing on the history of education in all 
parts of the world. The history of education is the history of teaching 
and learning. Each generation, since the beginning of human evolution 
and writing, has sought to pass on cultural and social values, 
traditions, morality, religion and skills to the next generation. The 
passing on of culture is also known as enculturation and the learning of
 social values and behaviours is socialization. The history of the 
curricula of such education reflects human history itself, the history 
of knowledge, beliefs, skills and cultures of humanity. History of 
educations<br />are same in most of the cases. In case of world history 
first of all it was verry difficult to take education because in most of
 the country it was believed that education takes people towards 
lightness, and this was not good for cruel royal family. Because in most
 of the part of the world there was cruel royal system. In pre-literate 
societies, education was achieved orally and through observation and 
imitation. The young learned informally from their parents, extended 
family and grand parents. At later stages of their lives, they received 
instruction of a more structured and formal nature, imparted by people 
not necessarily related, in the context of initiation, religion or 
ritual.<br />All people start ti think that why education is important for
 them. With the development of writing, it became possible for stories, 
poetry, knowledge, beliefs, and customs to be recorded and passed on 
more accurately to people out of earshot and to future generations. In 
many societies, the spread of literacy was slow; orality and illiteracy 
remained predominant for much of the population for centuries and even 
millennia. Literacy in preindustrial societies was associated with civil
 administration, law, long distance trade or commerce, and religion. A 
formal schooling in literacy was often only available to a small part of
 the population, either at religious institutions or for the wealthy who
 could afford to pay for their tutors. The earliest known universities, 
or places of higher education, started teaching a millennium or more 
ago. in this way people start to read and begien to gain knowlledge 
about education.<br /><img alt="Image result for education in nepal" class="rg_i" data-src="https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcQhSBb5hTxej6ZmIObaNadRuPup5APto7cZxs23_QgOrkDu3dsO" data-sz="f" name="K_qGcOl5ZEYhtM:" src="https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcQhSBb5hTxej6ZmIObaNadRuPup5APto7cZxs23_QgOrkDu3dsO" style="height: 194px; margin-left: -11px; margin-right: -4px; margin-top: 0px; width: 259px;" /><img alt="Image result for education in nepal" class="rg_i" data-src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSpPtqGOoVd0di0acF7IsDY8LfARx3bb9SFYx6JrtBIJqk_z33n" data-sz="f" height="234" name="JVqULaOMhCiX0M:" src="https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSpPtqGOoVd0di0acF7IsDY8LfARx3bb9SFYx6JrtBIJqk_z33n" style="height: 168px; margin-left: -5px; margin-right: -6px; margin-top: 0px; width: 286px;" width="400" /><br /><strong>History of Education in Nepal</strong>:-At
 first, the history of Nepal began with the establisment of first school
 in 1853. Although, this was first school, Nepali people could not get<br />
                                                            admitted to 
it. This is because the school was established for the purpose of giving
 education  only to Rana family. This education was only<br />            
                                                for rulling Rana 
families  their coutries, their relatives and for rich people. Schooling
 for the general people began only after 1951 when <br />                 
                                           a  popular movement ended the
 autocratic Rana family regime and initiated a democratic system. In the
 past fifty years, there has been a<br />                                 
                          dramatic expansion of educational facilities 
in the country. The Ministry of Education is the apex body responsible 
for initiating and         <br />                                         
                  managing educational activities in the country. The 
Minister of Education, assisted by the State/Assistant Minister, 
provides political<br />                                                  
         leadership to the Ministry. The Ministry, as a part of the 
government bureaucracy, is headed by the Secretary of Education and 
consists of<br />                                                         
  the central office, various functional offices and offices located at 
the regional and district levels. The Central Office or the Ministry is 
mainly   <br />                                                           
responsible for policy development, planning and monitoring and 
evaluation regarding different aspects of education. this suggest to all
 the<br />                                                          Nepali
 people. Then With a purpose of bringing education administration nearer
 to the people, the Ministry has established five Regional<br />          
                                                Directorates and 75 
District Education Offices in five development regions and 75 districts 
respectively. These decentralized offices are<br />                       
                                   responsible for overseeing nonformal 
and school level educational activities in their respective areas. 
Regional Directorates are mainly<br />                                    
                     responsible for coordinating and monitoring and 
evaluation of education activities and the District Education Offices 
are the main<br />                                                        
 implementing agencies. NCED[citation needed is an Apex body for teacher
 training in Nepal. There are 34 Educational Training Centers under<br /> 
                                                        NCED to support 
the teachers in pedagogical areas. In this way education sector went on 
improvement.<br />  </div>

History of education in Nepal

History of Education has established itself as a leading, international, peer-reviewed journal, focusing on the history of education in a...

GURANS LIFE INSURANCE

<br />

<br />
<div class="MsoNormal" style="background: white; line-height: 22.5pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 1;">
<b><u><span style="color: red; font-family: "Arial","sans-serif"; font-size: 19.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;">GURANS
LIFE INSURANCE COMPANY LTD.</span></u></b><b><span style="font-family: "Arial","sans-serif"; font-size: 19.0pt; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 18.0pt;"></span></b></div>
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<span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Gurans Life Insurance Co .Ltd. has been
established and registered under Company Act 2063 B.s.(Regd. No. 1005/063-64)
and Insurance Act 2049 </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">as a public Limited Co. and was issued a
license to operate Life Insurance Business on 2064/12/18. Gurans Life Insurance
Co. Ltd. is promoted by </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">T.M Dugar Group, Sunrise Bank Ltd. along with
group of diverse and renowned Businessmen, Industrialist and Legal
professionals.</span></div>
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<br /></div>
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<span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes;"><br /></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 18.75pt; margin-right: 0in; margin-top: 0in; text-align: justify;">
<b><span style="color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Our Products</span></b><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b><i><u><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Gurans
Endowment with Profit Policy</span></u></i></b><b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
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<span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The most popular form of life assurance since it makes
provision for the family of the Assured in the event of early death, as also
assures a lump sum amount at a desired age. The amount assured, if not paid by
reason of earlier death becomes payable at the end of the endowment term.
Premiums are payable for a term of years equal to the endowment term or until
death if it occurs within this period. If payment of premiums is discontinued after
at least two years premiums have been paid, a paid up policy for an amount
bearing the same proportion to the sum assured as the number of premiums
actually paid bears to the number stipulated for in the policy, will be
automatically secured. Such reduced paid up policy will not be entitled to
participate in the profits declared thereafter.</span></div>
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<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">First
Policy issue date</span></b></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: 01-06-2008</span></div>
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<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Key
Feature</span></b></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l7 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Minimum Entry Age : 16 Years</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Maximum Entry Age : 65 Years</span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l7 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Minimum Policy Term: 5 Years</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Maximum Policy Term: 54 Years</span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l7 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Maximum Maturity Age : 70 Years</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Minimum Sum Assured: Rs. 25 Thousand</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Premium Payment Frequency : Yearly/Half
Yearly/Quarterly</span></div>
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<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Benefits</span></b></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Sum assured plus bonus in case of the
maturity</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Sum assured plus bonus will be paid to nominated
person in case of death of the assured.</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Loan facility</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Tax benefits</span></div>
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<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Additional
Benefits</span></b></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l21 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Premium Waiver</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Double Accident Benefit</span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l21 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Money Back</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Monthly Income Benefit</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Permanent Total Disability Benefit</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">:: Rider Benefit</span></div>
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<b><i><u><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Gurans Money Back Endowment with
Profit Policy</span></u></i></b><b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes;"><img alt="Money" height="967" src="file:///C:\Users\dell\AppData\Local\Temp\msohtmlclip1\01\clip_image003.jpg" width="1375" /></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 3.75pt;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">This
policy is of special interest to persons who, besides desiring to provide for
their own old age and family, feel the need for lump sum benefits at periodical
intervals. Unlike ordinary Endowment Assurance, where the full Sum Assured in
the event of survivance is payable only at the end of the endowment period,
under this scheme:</span></div>
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<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">First Policy issue date</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l9 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">:: </span><b><span style="color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Money Back 15 </span></b><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">-- 01-06-2008</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::</span><b><span style="color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> Money Back
20 </span></b><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">--
08-06-2008</span></div>
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<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">1. 15 Years Gurans Money Back</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l27 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
25% of Sum Assured at the end of 5 years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l27 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
25% of Sum Assured at the end of 10 years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l27 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
50% of Sum Assured at the end of 15 years</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">2. 20 Years Gurans Money Back</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l32 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
25% of Sum Assured at the end of 5 years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l32 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
25% of Sum Assured at the end of 10 years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l32 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
25% of Sum Assured at the end of 15 years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l32 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
25% of Sum Assured at the end of 20 years</span></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 3.75pt;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">However,
in the event of death at any time within the selected term, the full sum
assured is payable without any deduction or adjustment for the amount that may
have been paid earlier by way of survival benefit. Premiums are payable for the
second term years or till death if it occurs within this period. The bonus
additions to the policy will be reckoned on the full sum assured and are
payable at the end of the selected term or at the life assured's death, if
previous. In the event of cessation of the premium under this policy, paid-up
assurance, payable at the end of the selected term of years or at the life
assured's death if previous, is automatically secured provided premiums have
been paid under the policy for not less than two years and a minimum paid-up
assurance of Rs.1000/- exclusive of any attached bonus secured.</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Key Features</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l16 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Entry Age : 16 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l16 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Policy Term: 15/20 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l16 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Maturity Age : 70 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l16 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Sum Assured: Rs. 50 Thousand</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l16 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l29 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Sum assured plus bonus in case of the maturity (e.g. Sum assured is known as
remaining partial amount of sum assured to be returned.)</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l29 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Sum assured plus bonus will be paid to nominated person in case of death of the
assured.</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l29 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Loan facility</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l29 level1 lfo9; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Tax benefits</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Additional Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l15 level1 lfo10; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Double accident benefit is available with nominal extra premium. In case of the
death of the assured, a nominee will receive assured amount, bonus plus Rs. 25
lac (maximum).</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><i><u><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Gurans Endowment with Whole Life
Policy</span></u></i></b><b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 3.75pt;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">The
mostly benefied product for the assured.</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">First Policy issue date</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l0 level1 lfo11; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
18-11-2008</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Key Feature</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l28 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Entry Age : 16 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l28 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Entry Age : 65 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l28 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Policy Term: 5 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l28 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Policy Term: 54 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l28 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Maturity Age : 70 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l28 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Sum Assured: Rs. 1 Lacks.</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l28 level1 lfo12; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l1 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">a) On
Death of Life Assured during the term of the policy: FULL SUM ASSURED + BONUSES
DECLARED AND VESTED IN THE POLICY.</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l1 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">b) On
Survival to Maturity Date: SUM ASSURED + BONUSES DECLARED AND VESTED IN THE
POLICY</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l1 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">c) On
Death of Life Assured after the premium term of the policy: FULL SUM ASSURED</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l1 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">d)
Premiums are payable : UPTO THE DATE OF MATURITY OR UPTO DEATH IF EARLIER</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l1 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">e)
Loan facility</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l1 level1 lfo13; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">f)
Tax benefits</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Additional Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l18 level1 lfo14; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Double accident benefit is available with nominal extra premium. In case of
accidential death of the assured, a nominee will receive assured amount, bonus
plus Rs. 25 lac (maximum) or whichever is lower than rider benefit amount.</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><i><u><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Child Endowment with Profits</span></u></i></b><b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 3.75pt;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">This
policy allows to make provision for Childern's Education or Marriage. Although,
under this policy Sum Assured along with bonus is payble only at the end of the
selected term, in the event of unfortunate death of the life assured 1% of sum
assured is payable monthly from death to date of maturity.</span></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 3.75pt;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">Premium
under this policy are payable for the selected term of the policy or till death
of Life Assured if occurs before date of maturity. However, bonus will accure
upto the end of the term, even after cessation of the premiums on death.</span></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 3.75pt;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">By
payment of extra premium Accident and Disability Benefit(due to accident) can
be covered. If this benefit is availed, the benefits are payble immediately on
the date of the death/Disability by accident. However, the basic Sum Assured
with bonuses is payable at the end of the term.</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">First Policy issue date</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l26 level1 lfo15; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">:: </span><b><span style="color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Gurans Bal Surakshya
Jeevan Bima </span></b><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">--
14-11-2008</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l26 level1 lfo15; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::</span><b><span style="color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> Gurans Naulo Bal
Surakshya Jeevan Bima </span></b><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">-- 12-01-2012</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Key Feature</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l22 level1 lfo16; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Entry Age : 0 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l22 level1 lfo16; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Entry Age : 15 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l22 level1 lfo16; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Policy Term: 5 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l22 level1 lfo16; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Policy Term: 30 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l22 level1 lfo16; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Maturity Age : 30 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l22 level1 lfo16; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Sum Assured: Rs. 50 Thousand</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l22 level1 lfo16; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l8 level1 lfo17; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Sum assured plus bonus in case of the maturity</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l8 level1 lfo17; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Sum assured plus bonus will be paid to nominated person in case of death of the
assured.</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l8 level1 lfo17; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Tax benefits</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Additional Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l11 level1 lfo18; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Waiver Benefit</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l11 level1 lfo18; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Monthly Education Benefit</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><u><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Gurans Sanjeevani Pre-payment
Insurance Policy</span></u></b><b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 3.75pt;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">5% of
Sum Assured is devided by 12 will be returned to the client after completing 5
years (aniversary date) from date of commencement in every month. Same payment
will be continued till maturity of policy or death of assured. And, after
completing 15 years (at aniversary date form commencement date) 50% of the sum
assured plus bonus will be returned to the client. If the death of assured is
earlier than the maturity of policy then, full/parcial sum assured plus bonus
will be returned as per insurnce act.</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">First Policy issue date</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l25 level1 lfo19; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
22-02-2011</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Key Feature</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l2 level1 lfo20; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Entry Age : 16 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l2 level1 lfo20; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Entry Age : 55 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l2 level1 lfo20; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Policy Term: 15 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l2 level1 lfo20; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">:: Maximum
Policy Term: 15 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l2 level1 lfo20; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Maturity Age : 70 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l2 level1 lfo20; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Sum Assured: Rs. 200 Thousand</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l2 level1 lfo20; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l13 level1 lfo21; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Sum assured plus bonus in case of the maturity</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l13 level1 lfo21; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Sum assured plus bonus will be paid to nominated person in case of death of the
assured.</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l13 level1 lfo21; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Loan facility</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l13 level1 lfo21; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Tax benefits</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Additional Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l5 level1 lfo22; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Waiver</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l5 level1 lfo22; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Double Accident Benefit</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l5 level1 lfo22; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Money Back</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l5 level1 lfo22; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Monthly Income Benefit</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l5 level1 lfo22; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Permanent Total Disability Benefit</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l5 level1 lfo22; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Rider Benefit</span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes;"><img alt="sanjeevani" height="973" src="file:///C:\Users\dell\AppData\Local\Temp\msohtmlclip1\01\clip_image004.jpg" width="1349" /></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">LIMITED PAYMENT ENDOWMENT WITH
PROFITS</span></b></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes;"><img alt="rakshyak" height="1003" src="file:///C:\Users\dell\AppData\Local\Temp\msohtmlclip1\01\clip_image005.jpg" width="1324" /></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 3.75pt;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">The
most popular form of life assurance since it makes provision for the family of
the Assured in the event of early death, as also assures a lump sum amount at a
desired age. The amount assured, if not paid by reason of earlier death,
becomes payable at the end of the endowment term. Premiums are payable for a
limited period of chosen term or until death if it occurs within this period.
If payment of premiums is discontinued after at least two years’ premiums have been
paid, a paid up policy for an amount bearing the same proportion to the sum
assured as the number of premiums actually paid bears to the number stipulated
for in the policy, will be automatically secured. Such reduced paid up policy
will not be entitled to participate in the profits declared thereafter.</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">First Policy issue date</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l4 level1 lfo23; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
30-05-2013</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Key Feature</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l30 level1 lfo24; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Entry Age : 11 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l30 level1 lfo24; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Entry Age : 60 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l30 level1 lfo24; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Policy Term: 10 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l30 level1 lfo24; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Policy Term: 30 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l30 level1 lfo24; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";"> </span></div>
<table border="1" cellpadding="0" class="MsoNormalTable" style="border-left: none; border: solid #DDDDDD 1.0pt; margin-left: 18.75pt; mso-border-bottom-alt: solid #DDDDDD .75pt; mso-border-right-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; mso-cellspacing: 1.5pt; mso-yfti-tbllook: 1184; width: 744px;">
 <tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">::
  Policy Term Years:</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">10</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">15</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">20</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">25</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">30
  Years</span></b></div>
</td>
 </tr>
<tr style="mso-yfti-irow: 1; mso-yfti-lastrow: yes;">
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">::
  Policy Pay Terms:</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1/5</span></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1/5/10</span></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1/5/10/15</span></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1/5/10/15/20</span></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1/5/10/15/20/25</span></div>
</td>
 </tr>
</tbody></table>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l30 level1 lfo24; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Maturity Age : 70 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l30 level1 lfo24; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Sum Assured: Rs. 50 Thousand</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l30 level1 lfo24; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Payment Frequency : Single/Yearly/Half Yearly/Quarterly</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l17 level1 lfo25; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Sum assured plus bonus in case of the maturity</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l17 level1 lfo25; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Sum assured plus bonus will be paid to nominated person in case of death of the
assured.</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l17 level1 lfo25; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Loan facility</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l17 level1 lfo25; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Tax benefits</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Additional Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l6 level1 lfo26; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::ADB/PWB/TPD
(Accident only) Available for Age at entry 16 years and above</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><u><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Gurans Foreign Employment Policy</span></u></b><b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes;"><img alt="ForeignPolicy" height="500" src="file:///C:\Users\dell\AppData\Local\Temp\msohtmlclip1\01\clip_image006.jpg" width="356" /></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="background: white; line-height: 16.5pt; margin-bottom: 7.5pt; mso-margin-top-alt: auto; mso-outline-level: 5;">
<b><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 11.5pt; mso-fareast-font-family: "Times New Roman";">Gurans Baideshik Rogjar Myadi
jeevan beema yojana is designed to cover natural as well as accidental
insurance for people living and working out of Nepal.</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 7.5pt; mso-margin-top-alt: auto; mso-outline-level: 4;">
<b><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sample Premium Rate</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 13.5pt; margin-bottom: 3.75pt;">
<span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">Following
is the Sample Premium Rate For Gurans Foreign Employment Policy</span></div>
<table border="1" cellpadding="0" class="MsoNormalTable" style="border-left: none; border: solid #DDDDDD 1.0pt; mso-border-bottom-alt: solid #DDDDDD .75pt; mso-border-right-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; mso-cellspacing: 1.5pt; mso-yfti-tbllook: 1184; width: 769px;">
 <tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">Age</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">1 Year</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">2 year</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">3 Year</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">4 Year</span></b></div>
</td>
  <td style="background: #F9F9F9; border-left: solid #DDDDDD 1.0pt; border: none; mso-border-left-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">5 Year</span></b></div>
</td>
 </tr>
<tr style="mso-yfti-irow: 1;">
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">18-35</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">1025</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">1825</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">2430</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">3050</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">3550</span></b></div>
</td>
 </tr>
<tr style="mso-yfti-irow: 2;">
  <td style="background: #F9F9F9; border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">36-50</span></b></div>
</td>
  <td style="background: #F9F9F9; border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">1500</span></b></div>
</td>
  <td style="background: #F9F9F9; border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">2500</span></b></div>
</td>
  <td style="background: #F9F9F9; border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">3400</span></b></div>
</td>
  <td style="background: #F9F9F9; border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">4200</span></b></div>
</td>
  <td style="background: #F9F9F9; border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">4900</span></b></div>
</td>
 </tr>
<tr style="mso-yfti-irow: 3; mso-yfti-lastrow: yes;">
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">51-64</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">3500</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">5000</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">6600</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">8300</span></b></div>
</td>
  <td style="border-bottom: none; border-left: solid #DDDDDD 1.0pt; border-right: none; border-top: solid #DDDDDD 1.0pt; mso-border-left-alt: solid #DDDDDD .75pt; mso-border-top-alt: solid #DDDDDD .75pt; padding: 3.0pt 3.75pt 3.0pt 3.75pt;" valign="top">
  <div align="center" class="MsoNormal" style="line-height: 15.0pt; margin-bottom: 15.0pt; text-align: center;">
<b><span style="color: #313131; font-family: "Times New Roman","serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">10000</span></b></div>
</td>
 </tr>
</tbody></table>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">First Policy issue date</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l31 level1 lfo27; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::2008-06-03</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Key Feature</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l12 level1 lfo28; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Entry Age : 18 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l12 level1 lfo28; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Entry Age : 64 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l12 level1 lfo28; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Policy Term: 1 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l12 level1 lfo28; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Policy Term: 5 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l12 level1 lfo28; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Maturity Age : 69 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l12 level1 lfo28; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Sum Assured: Rs.500,000</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l12 level1 lfo28; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Sum Assured: Rs.500,000</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l12 level1 lfo28; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Payment Frequency : Single</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l23 level1 lfo29; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maturity Benifit : None</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l23 level1 lfo29; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Death Benifit: NPR 500,000 and body carrying cost of NPR 100,000</span></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><u><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Gurans Annual Cash Back Life
Insurance Policy</span></u></b><b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<span style="background: white; color: #313131; font-family: ""arial"","serif"; font-size: 9.0pt; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">We
have introduced this policy with focus to customers, who have to make repayment
of loans or to fulfill individual needs. In this policy, 4% of sum assured will
be returned to the assured at completion of every year. On policy maturity date
the remaining sum assured plus earned bonus will be returned to the policy
holder. In case of death of assured is before the maturity of policy, full sum
assured plus earned bonus will be returned to nominee.</span><b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">First Policy issue date</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l3 level1 lfo30; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Key Feature</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l14 level1 lfo31; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Entry Age : 18 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l14 level1 lfo31; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Entry Age : 55 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l14 level1 lfo31; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Policy Term: 10 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l14 level1 lfo31; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Policy Term: 20 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l14 level1 lfo31; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Maximum Maturity Age : 65 Years</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l14 level1 lfo31; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Minimum Sum Assured: Rs. 500,000</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l14 level1 lfo31; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Payment Frequency : Yearly/Half Yearly/Quarterly</span></div>
<div class="MsoNormal" style="background: white; line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3;">
<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Benefits</span></b></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">:: 4%
of Sum Assured will be returned back to assured annually.</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l24 level1 lfo32; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Bonus plus remaining sum assured will be paid to the assured after maturity.</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l24 level1 lfo32; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Sum Assured plus bonus will be paid to nominated person in case of death of the
assured as per the policy conditions.</span></div>
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<b><span style="background: white; color: red; font-family: "Arial","sans-serif"; font-size: 13.5pt; mso-fareast-font-family: "Times New Roman";">Additional Benefits</span></b></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l10 level1 lfo33; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Premium Waiver</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l10 level1 lfo33; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Double Accident Benefit (up to 30 lakhs)</span></div>
<div class="MsoNormal" style="background: white; line-height: 15.0pt; margin-left: 18.75pt; mso-list: l10 level1 lfo33; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 4; tab-stops: list .5in; text-indent: -.25in;">
<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">::
Monthly Income Benefit</span></div>
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<span style="color: #313131; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 9.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">        
</span></span></span><span style="background: white; color: #313131; font-family: "Arial","sans-serif"; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman";">:: Permanent
Total Disability Benefit</span></div>
<div class="MsoNormal">
<br /></div>

GURANS LIFE INSURANCE

GURANS LIFE INSURANCE COMPANY LTD. Gurans Life Insurance Co .Ltd. has been established and registered under Company Act 2063 B.s.(Reg...