Insurance and Education

Kathmandu University

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<span style="color: lime;"><strong><span class="s1">Department Overview</span></strong></span> </h3>
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<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>
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<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>
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<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>
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<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>
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<span style="font-size: small;"><span class="s1"><a href="mailto:bheshukc2@gmail.com" target="_blank">google.com </a></span></span></div>
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<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>
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<strong><span class="s1">[SALIENT FEATURES]</span></strong></h3>
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<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>
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<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>
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<strong><span class="s1">[RESEARCH ACTIVITIES]</span></strong></div>
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<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>
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<span class="s1">Current research areas at Department of 
Computer Science and Engineering includes Natural Language Processing, 
Software Engineering and Grid Computing.</span></div>
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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

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                KANTIPUR CITY COLLEGE, KATHMANDU </div>
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Vision</div>
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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>
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 Facilities</h1>
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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>
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<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>
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A 24 hrs high-speed Internet Connectivity through a dedicated radio link facilitates students for an easy access to Internet.</div>
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An Electronic Library , a repository of 
various books and research papers in digital form, provides flexible 
searching and listing of unlimited information.</div>
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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>
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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>
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An active Discussion board , running on 
the intranet, helps KCC family for prompt and efficient internal 
communication and effective interaction.<br />
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<strong>Library & Resources Center</strong></span></div>
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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>
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<strong><span style="color: #003399;"><span style="color: red;">Sports & Recreation </span> </span></strong></div>
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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>
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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>
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KANTIPUR CITY COLLEGE, KATHMANDU

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

Car Insurance

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Cover for your car and other people's vehicles and property</h2>
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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>
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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>
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<a href="mailto:bheshukc2@gmail.com" target="_blank">google.com </a></div>
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 <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>
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Do you drive for a ridesharing service like UberX?</h3>
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We're making ridesharing insurance easy by including it in our car insurance products.</div>
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<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>
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Why choose NRMA Insurance?</h2>
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<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>
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<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>
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Admissions<div class="ask-on-profile-container" style="display: inline-block; float: right; margin: 0px;">
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Selectivity</h3>
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Selectivity Score:<span class="Apple-converted-space"> </span><b>90/100</b></div>
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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>
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<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>
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<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>
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<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>
<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";">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>
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 13.5pt; 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"; 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>
<div class="MsoNormal" style="line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3; text-align: justify;">
<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>
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: 3.75pt; 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";">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
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Premiums are payable for a term of years equal to the endowment term or until
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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
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participate in the profits declared thereafter.</span></div>
<div class="MsoNormal" style="line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3; text-align: justify;">
<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="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l20 level1 lfo1; 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";">:: 01-06-2008</span></div>
<div class="MsoNormal" style="line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3; text-align: justify;">
<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>
<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 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>
<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 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>
<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 Sum Assured: Rs. 25 Thousand</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";">:: Premium Payment Frequency : Yearly/Half
Yearly/Quarterly</span></div>
<div class="MsoNormal" style="line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3; text-align: justify;">
<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="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l19 level1 lfo3; 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";">:: Sum assured plus bonus in case of the
maturity</span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l19 level1 lfo3; 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";">:: Sum assured plus bonus will be paid to nominated
person in case of death of the assured.</span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l19 level1 lfo3; 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";">:: Loan facility</span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-left: 18.75pt; mso-list: l19 level1 lfo3; 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";">:: Tax benefits</span></div>
<div class="MsoNormal" style="line-height: 18.75pt; margin-bottom: 3.75pt; margin-left: 0in; margin-right: 0in; margin-top: 3.75pt; mso-outline-level: 3; text-align: justify;">
<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>
<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";">:: 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>
<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";">:: Monthly Income 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";">:: Permanent Total Disability 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";">:: Rider 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><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>
<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: 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>
<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
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>
<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";">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>
<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";">:: 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>
<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: 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>
<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";">:: Permanent
Total Disability Benefit</span></div>
<div class="MsoNormal">
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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...