ALL - IN - ONE UNDERWRITING CHART 2018

Age NMS, NMG (Prof), S.E .ITR-10 N.M.G Minor Lives Age Lbd
Nbd N.M.S N.M.P F.M.R N.M.G * F.M.R 0 - 5yrs 5 - 9yrs 10 - 17yrs SUC
18 - 35 yrs 30 / 24 25 / 20 50 / 40 8/5 8 - 15 N.M N.M N.M 15 Lacs
36 - 45 yrs 20 / 16 15 / 12 25 / 20 5/3 5 - 15 N.M N.M JFMR 15 – 40 Lacs
46 - 50 yrs 10 / 8 8 / 6.40 10 / 8 3/2 3- 5 JFMR JFMR JFMR 40 – 75 Lacs
51 - 55 yrs FMR FMR 10 / 8 FMR 1- 2 JFMR MED MED 75 < Lacs
56 - 60 yrs FMR FMR 2 / 1.60 N.A N.A W/O PWB 10 Lacs With PWB 25 Lacs
Major Student: 18 - 30yrs- HSC- 25 Lacs NO P.I – 20 Lacs NMG Educational Loan: Any Plan w/o Parent Insurance (P.I)
Maximum Max TRSA as Multiple of Female Underwriting
Insurance Average Income of 3 yrs (Subject to Husbands Insurance and Income (for House Wives))
Age Group <10 Lakhs >10 Lakhs Female Category Plans & TRSA Proof Reqd Cond / SUC
Up to 35 yrs 25 times 30 times A-1 NMS / ITRs ALL Plans & TR ITRs,F-16,Salary Std AP
36 to 45 yrs 20 times 25 times A-2 Proved Income ALL Plans & TR PFQ/CA/SS etc Std AP
46 to 50 yrs 15 times 20 times A-3 Un Proved Income Savings Plan Fe Annexure -1 15 > HSC < 10
51 to 55 yrs 15 times 15 times B-1 Graduate Wife ALL Plans & TR Edu. Proof 1 Crore
56 yrs & Above 10 times 10 times B-2 Under Grad Wife Savings Plan Age Proof ALL 60 Lacs
Total Rated Sum Assured (Existing + Proposed) Income Proof
INCOME Up to 25 Lacs (For Term Plan, TR & CIR 15 Lacs) As Declared in Proposal Form & MHR
NvM
NvM
Up to 50 Lacs (For Term Plan, TR & CIR 25 Lacs) PFQ / CA Certificate
PROOF Above 50 Lacs (For Term Plan, TR & CIR 25 Lacs) 3yrs ITRs, Form-16, Form-16A, Form-26AS
(* NMG Limit with Std AP / Non Std AP) Computation of Income, P&L A/C & Balance Sheet
SINGLE Non-Medical under Single Premium 816 Non-Medical under Single Premium 817 / 818
PREMIUM N.M.G N.M.S N.M.G N.M.S
Age (Nbd) Std AP NSAP Std AP Std AP NSAP Std AP
18 – 35 20 Lacs 1.50 Lacs 20 Lacs 15 Lacs 1.50 Lacs 15 Lacs
36 – 50 10 Lacs 75,000 10 Lacs 10 Lacs 75,000 10 Lacs
51 – 60 3 Lacs N.A 3 Lacs 3 Lacs N.A 3 Lacs
Preventive Health Check Reports 6 Months I.D Proof Approved Lab Employer Letter L.A Declaration
Based on Previous TPA FMR 25 Lacs ASA allowed w/o FMR Validity FMR For Old & New