Bharti AXA Life Premier Protect Home Shield

BHARTI AXA LIFE INSURANCE COMPANY LIMITED
Registered Office: Unit no 601 & 602, 6th floor, Raheja Titanium, Off Western Express
Highway, Goregaon East, Mumbai 400063
POLICY BOND
Name of Policyholder
Policy Number
Policy Effective Date DD/MM/YYYY
Mode of Premium Payment Single Premium
Place and Date of Issue Mumbai, India

DD/MM/YYYY
Bharti AXA Life Premier Protect Home Shield, a single premium group reducing term life
insurance policy (“the Policy”) is issued by Bharti AXA Life Insurance Company Limited
(“the Company”) pursuant to the proposal of XXXXX (“the Policyholder”) dated
DD/MM/YYYY and in consideration of payment of Premiums as set out in the Policy.
The Policy has been effected on the Life/(ves) Insured based on the proposal form, and the
statements, information, data and evidence furnished by the Policyholder as obtained from
the Life Insured and receipt of Coverage Premiums from the Policyholder.
The Company agrees and undertakes to provide the Coverage/(s) and pay Benefit(s) in
accordance with the terms of the Policy.
The proposal together with the statements, information, data and evidence, already
furnished or to be furnished and leading to the effecting of the insurance hereunder, giving
all the variations in the particulars of the Lives Insured in so far as such variations have any
bearing on the insurance effected from time to time, shall be and are hereby declared to be
the basis of the Policy.
The terms printed on this and the following pages along with the Schedule as existing on the
date of issue of the Policy and as attached herewith and any endorsements placed on the
Policy form part of the Policy.
Authorised Signatory
Bharti AXA Life Insurance Company Limited
1
I. DEFINITIONS
“Age” means the age at last birthday, in completed years attained by the Life Insured as on
the Effective Date of Coverage.
“Beneficiary/(ies)” means the individual/(s) specified by the Life Insured to receive the
Benefit in the event of the death of the Life Insured while the Coverage is in force and whose
name/(s) have been entered in the records kept by the Policyholder as being eligible for the
Benefits under the Policy and notified to the Company including any change of the specified
Individual which the Life Insured/Lives Insured intimates in writing to the Company. In the
case of Coverage on joint lives insured, the term “Beneficiary” shall mean the surviving Life
Insured.
“Benefits” means the Death Benefit
“Certificate of Insurance” means a statement evidencing the Coverage of the Life Insured
under the Policy, subject to the terms and conditions of the Policy.
“Coverage” means the life insurance effected in respect of each of the Life/(ves) Insured
under the Policy and as mentioned in the Certificate of Insurance.
“Coverage Premium” means the premium payable by the Policyholder to the Company to
effect the Coverage in respect of the Lives Insured under the Policy.
“Coverage Term” means the period of Coverage for which the Life Insured is covered
under the Policy, commencing from the Effective Date of Coverage to the Termination Date
of Coverage and shall be of a term of at least three completed years but not exceeding thirty
completed years and as mentioned in the Certificate of Insurance.
“Death Benefit” means the benefit payable on the death of the Life insured (and in the case
of Coverage on joint lives, the death of either of the Lives Insured) as mentioned in the
Certificate of Insurance while the Coverage is in force.
“Effective Date of Coverage” means the date of commencement of Coverage in respect of

a Life Insured under the Policy pursuant to the provision on Commencement of Coverage.
“Individual/(s)” shall deem to mean only natural person(s) and not any other entity juristic,
legal or otherwise.
“Issue Date” means the date of issue of Certificate of Insurance in respect of each Life/
Lives Insured.
“Life Insured/Lives Insured” means the individuals who have been granted and are in
receipt of a loan from the Policyholder against the mortgage of an asset and whose
Coverage is in effect under the Policy and whose names appear in the list of Life/(ves)
Insured available with the Company as having been covered under the Policy and in the
case of a Coverage on joint lives (not exceeding two lives) it shall have reference to both the
Lives Insured or to either of them, as is appropriate to the context.
“Policy” means the Bharti AXA Life Premier Protect Home Shield which is a single premium
group decreasing term life insurance product issued to the Policyholder for securing the
payment of the Benefits to the Lives Insured.
“Policyholder” means XXXXX, the holder of the Policy.
“Policy Effective Date” means the date of commencement of the Policy.
UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 2

“Termination Date of Coverage” means in respect of each Life Insured, the date on which
the Coverage of the Life Insured ceases under the Policy for reasons mentioned in the
Section on Termination of Coverage in this Policy.
“The Company” means Bharti AXA Life Insurance Company Limited.
“Unexpired Coverage Term” for this purpose means the Coverage Term (in months) less
the period (in months) from Effective Date of Coverage to Termination Date of Coverage/
Date of increase in the Coverage.
II. GENERAL PROVISIONS
Non-participating Policy
The Policy is not entitled to participate in the distribution of surplus that may be declared by
the Company from time to time.
Eligibility conditions
Individual/(s) shall be eligible to be covered under the Policy on the basis of the following
conditions:
1. she/he/ they has/have taken a mortgage or home equity loan from the Policyholder;
2. she/he/ they has/ve a minimum outstanding loan of Rs.1,00,000 (Rupees one lakh
only)
3. she/he/ they has/ve a minimum loan term of at least three years but not exceeding
thirty years;
4. she/he/ they has/ve attained the age of 18 years but not exceeded 65 years at entry
Note: The coverage shall cease at age 75;
5. she/he/ they is/are in good health and has/ve submitted the evidence of good health
and insurability (Self filled Questionnaire) in the format prescribed by the Company;
and
6. she/he/ they has/ve fulfilled the underwriting requirements as prescribed by the
Company.
Evidence of good health and insurability
The Policyholder shall furnish the evidence of good health and insurability (Self Filled
Questionnaire as prescribed by the Company) to the Company in respect of each Life
Insured covered under the Policy.
Proof of age
The Coverage Premium in respect of a Life Insured is calculated based on the Age of the
Life Insured recorded in the list of Lives Insured. The Company may require proof of age as
per the list of standard age proofs prescribed by the Company in respect of Lives Insured.
If an incorrect Age is provided in respect of a Life Insured, the Company will adjust the
Coverage and the Coverage Premium, based on the correct age of the Life Insured. If the
Life Insured’s actual age is such that it would have made the Life Insured ineligible for the
Coverage, then the Company reserves the right, at its discretion, to take such action as it
deems fit, including termination of the Coverage and forfeiture of Coverage Premium
received in respect of such Life Insured.

Disclosures - section 45 of the Insurance Act, 1938
The Policy has been issued and the Coverages herein have been granted on the
representation of the Policyholder that the Policyholder and to the best of the knowledge of
the Policyholder, the Lives Insured have made and/or have caused to be made full
disclosures of all relevant facts and circumstances. Any concealment, non-disclosure,
misrepresentation or fraud shall render the respective Coverages herein liable for
termination and/or voidable at the option of the Company and also forfeiture of the Coverage
Premium(s) received at the discretion of the Company.
No Policy or Coverage shall, after the expiry of two years from the date on which it was
effected, be called in question by the Company on the ground that a statement made in the
proposal for insurance or in any report of a medical officer, or referee, or friend of the insured,
or in any other document leading to the issue of the Policy or grant of Coverage/(s), was
inaccurate or false, unless the Company shows that such statement was on a material
matter or suppressed facts which it was material to disclose and that it was fraudulently
made by the Policyholder/ Life/(ves) Insured and that the Policyholder/ Life/(ves) Insured
knew at the time of making it that the statement was false or that the Policyholder/ Life/(ves)
Insured suppressed facts which were material to disclose.
Commencement of Coverage
Coverage in respect of all eligible Individuals to be insured will commence with effect from
the Effective Date of Coverage subject to completion of all the following conditions and
continuation of such conditions during the Coverage Term:
1. The cheque has been issued /electronic fund transfer has been made into the loan
account of the proposed Life Insured, for the loan amount by the Policyholder.
2. The Company has received all the particulars of the proposed Life/(ves) Insured as
per the prescribed format provided by the Company;
3. The Company has received the Coverage Premium in respect of the proposed
Life/(ves) Insured;
4. The Company has accepted the risk for the proposed Life/(ves) Insured.
Data and information
1. The Policyholder shall furnish to the Company all such data, information and
evidence as the Company may reasonably require in writing with regard to any
matter relating to or affecting the Coverages effected or to be effected under the
Policy and the Company shall not be liable for any action taken in good faith upon
any data, information or evidence so furnished, which shall be or shall prove to have
been erroneous or inaccurate.
2. The Policyholder shall maintain the data, information, and evidence pertaining to the
list of Life / (ves) Insured to calculate the Coverage Premiums and shall ensure that
the terms of the Policy are fulfilled alongwith the data, information and evidence on
the list of Beneficiaries. Such data and information (in original or photostat copies
thereof) available with the Policyholder as have a bearing on the Coverages
hereunder shall be open for inspection by the Company on prior written notice and
during normal working hours of the Policyholder. The Policyholder shall furnish the
list of Lives Insured alongwith the List of Beneficiaries (including any change thereof)
to the Company on a daily basis. Intimation by electronic mode shall be construed as
a good, valid, sufficient and effective communication of the List of Beneficiaries.
3. The Policyholder will issue a Certificate of Insurance in respect of each Coverage on

behalf of the Company, in accordance with the underwriting norms of the Company in
this regard. The Policyholder and the Company shall carry out a reconciliation of the

list of Certificates of Insurance issued by the Policyholder on a daily basis with the list
of Lives Insured available with the Company.
4. The Company and the Policyholder shall maintain in utmost confidence all
information in their possession relating to the other party and shall comply with all
relevant legislation pertaining to protection of personal information of the Lives
Insured.
5. The Policyholder shall be responsible for any loss, liability, damages that may arise
on account of delay in or not providing of information, providing incorrect/false
information to the Company at any stage including at the time of claim for the Benefit,
non-payment / withholding of payment / short payment to the Beneficiary/(ies),
issuance of a Certificate of Insurance to an individual who is not a Life Insured as per
the list of Lives Insured available with the Company.
6. In the event the Company is required to honour a claim in respect of an individual

who has not fulfilled the terms of the Section on Commencement of Coverage, then
the Policyholder shall indemnify the Company for any and all costs, penalties,
expenses, damages, fees (including any lawyer’s/advocate’s/ attorney’s fees) in
respect of such a claim.
7. The Parties hereby represent and warrant that till the Coverages are in force, neither
of them shall violate provisions of any applicable laws, nor do or cause to be done
any act which may be detrimental, prejudicial and /or in violation of the terms hereof.
The Parties further agree to indemnify and hold the other Party harmless from all
losses, claims, damages, costs, penalties, etc., of any kind to which it may be
subjected due to any breach or non-compliance of any of the terms of this Agreement.
Place and currency
The Coverage/s effected hereunder shall be expressed in Indian Rupees. All monies
payable to or by the Company under the Policy shall be made in India and in Indian Rupees.
Free look
If the Life Insured disagrees with any of the terms of the Policy/Coverage, the Life Insured
may, within fifteen (15) days of the receipt of the Certificate of Insurance, by written
communication addressed to the Policyholder or Company enclosing the original Certificate
of Insurance, seek to cancel the Coverage under the Policy whereon the Company shall
refund to the Policyholder, the Coverage Premium inclusive of Service Tax paid in respect
of the said Coverage after deduction of stamp duty and underwriting expenses incurred by
the Company in issuing the Coverage.
Grievance redressal procedure
Grievances should first be lodged with the following contact points and subsequently, if
required, with the Insurance Ombudsman whose address can be obtained from the
registered office of the Company:
Department: Grievance Redressal Cell
Registered Office: Unit No. 601 & 602, 6th Floor, Raheja Titanium, Off
Western Express Highway, Goregaon East,
Mumbai - 400063
Website: www.bharti-axalife.com
E-mail: complaints.unit@bharti-axalife.com
Toll Free no.: 1800 102 4444

Customer Service
All communication in relation to the Policy shall be addressed to any of the following:
Department: Customer Service
Registered Office: Unit No. 601 & 602, 6th Floor, Raheja Titanium, Off
Western Express Highway, Goregaon East,
Mumbai - 400063
Website: www.bharti-axalife.com
E-mail: complaints.unit@bharti-axalife.com
Toll Free no.: 1800 102 4444
III. COVERAGE PREMIUM AND INCREASE OF COVERAGE
1. Coverage Premium
The Coverage Premium in respect of the Coverage for:

 each Life Insured will be determined by the Company on the basis of premium rates
established by the Company and detailed in the Schedule I to the Policy and as may
be modified from time to time;
 joint Lives Insured will be determined as per the following calculation: sum of the
premiums for both the joint Lives Insured.
The Policyholder shall be solely responsible for remitting the Coverage Premium in respect
of each Life Insured while the Policy is in effect and shall ensure prompt remittance of the
Coverage Premiums in one lump sum to the Company alongwith a statement providing on a
daily basis additions and deletions to the list of Lives Insured in the format prescribed by the
Company.
The premium rates vary based on the coverage amounts which are as given below:
Coverage Amount Band

100000 – 249999 Band 1
250000 – 499999 Band 2
500000 – 999999 Band 3
1000000 – 2499999 Band 4
2500000 and above Band 5
2. Increase of Coverage
Any increase in the existing Coverage on the request of the Life Insured shall be subject to
submission of evidence of good health, fulfilling the underwriting requirements, receipt of
additional Coverage Premium and receipt of the alteration charge by the Company. The
additional Coverage Premium shall be calculated as per the premium rates provided in
Schedule I.
The alteration charge shall be calculated as:

10% * [premium for existing Coverage excluding service tax and education cess *
(Unexpired Coverage Term (in months) / total Coverage Term (in months)], subject to
a minimum of Rs.500/-.
The Company or the Policyholder on behalf of the Company, as the case may be shall
accordingly revise the Death Benefit for the said Life Insured and forward the revised
Certificate of Insurance to the Life Insured.

IV. BENEFITS
The Benefits payable under the Policy to the Beneficiary/(ies) are as under:
1. Death Benefit: In the event of death of the Life Insured and in the case of Coverage on
joint lives insured, on the death of either of the joint Lives Insured (proved to the
satisfaction of the Company), while the Coverage is in force, the Death Benefit shall be
payable by the Company to the Beneficiary of the Life Insured in accordance with the
Death Benefit Table available in the Certificate of Insurance issued to the Life Insured
covered under the Policy. The Death Benefit is a monthly reducing Coverage calculated
on the basis of Coverage, Coverage Term and a fixed rate of interest as chosen by the
Policyholder.
On the payment of the Benefits under the Coverage, the Coverage provided to the Life
Insured under the Policy would terminate and all liability of the Company in respect of the
coverage would stand extinguished.
V. PROCEDURE FOR REGISTERING AND PAYMENT OF CLAIMS
1. On the death of the Life Insured, the Beneficiary will give written notice and proof of
claim to the Policyholder in respect of the Life Insured.
2. The Beneficiary shall provide the following primary documents alongwith the written
notice for processing the claim:
 Certificate of Insurance
 Proof of subsisting loan taken by the Life(ves) Insured from the Policyholder.
 Last attending Doctor’s Certificate\Attending Physician’s Statement;
 Copy of Death Certificate duly verified with the original Death Certificate with
signature of the employee of the Policyholder with name and employee number;
 Copies of medical reports duly verified with the original medical reports with
signature of the employee of the Policyholder with name and employee number;
 Death Claim Form (to be submitted by the Policyholder);
 Evidence of good health and Enrolment Form (to be submitted by the
Policyholder);
 Any other documentation that the Company may consider as material and
relevant to the claim
3. The Company reserves the right to call for any additional information and documents
required to satisfy itself as to the validity of the claim.
4. The Company shall draw a cheque or draft for payment of Death Benefit in favour of
'Name of Deceased Life Insured XXXXXXXX Loan A/c No.' and forward it to the
Policyholder. The Policyholder shall set-off the Death Benefit amount against the
outstanding loan amount of the Life Insured and shall pay the Beneficiary the balance
amount, if any. The Policyholder shall indemnify and keep indemnified the Company for
any claim, damages, losses arising out of negligence, error, delay, short payment or non-
payment of the claim monies by the Policyholder to the Beneficiary/(ies).
5. Any communication received via electronic mode in the format agreed upon between the
Company and Policyholder, confirming receipt of payment of Benefit/(s) shall be
construed as a good, valid, sufficient and conclusive discharge of all liabilities of the
Company in respect of any payment of Benefit/(s) to be made under the Policy.
VI. EXCLUSIONS

The payment of Benefits is subject to the following exclusions:
1. Suicide: If a Life Insured (and in the case of Coverage on joint Lives Insured, the
date of the death of any one of the joint Lives Insured) whether medically sane or
insane, commits suicide within one year of the Effective Date of Coverage or the date
of acceptance of increase in Coverage, whichever is later, the Coverage of the Life
Insured shall terminate and the Company will pay the Surrender Value in respect of
the Coverage to the Beneficiary.
VII. TERMINATION OF COVERAGE
The Coverage of a Life Insured under the Policy shall terminate on the Termination Date of
Coverage which will be on the date of occurrence of the earliest of any of the following
events:
Event 1 Expiry of the Coverage Term
Event 2 On the date on which the Life Insured/ any one of the joint Lives Insured
attains the age of 75 years
Event 3 Date of the death of the Life Insured during the Coverage Term (and in
the case of Coverage on joint Lives Insured, the date of death of any one
of the joint Lives Insured during the Coverage Term)
Event 4 Date of receipt of request for termination of the Coverage by the Life
Insured (and in the case of Coverage on joint Lives Insured, the request
given jointly by both the joint Lives Insured) on submission of a written
request to the Policyholder
Event 5 Date of receipt of request for termination of the Coverage by the
Policyholder on submission of a written request to the Company in the
event of termination of relationship between Policyholder and Life Insured
On the occurrence of the above events, the following shall be applicable:
Event 1 The Company shall cease to pay any Benefits under the Policy in respect
of the Life/(ves) Insured
Event 2  The Company shall cease to pay any Benefits under the Policy in
respect of the Life Insured.
 In the case of Coverage on joint Lives Insured, the Coverage would
continue for the joint Life Insured who has not yet attained the age of
75 years
Event 3 The Company shall pay the Death Benefit to the Beneficiary and the
Coverage shall cease.
Events 4 or 5 The Company shall pay the Surrender Value to the Life/(ves) Insured
VIII. SURRENDER VALUE
Surrender Value in respect of the Coverage of a Life Insured shall be computed as per the
following formula:
SVF X P X U/T, where:

P = Single premium paid in respect of the Coverage of a Life Insured excluding service tax
and applicable cess
U = Unexpired Coverage Term (in months)
T = Coverage Term for the Life Insured (in months
SVF = Surrender Value Factor (as per the table given below)
The surrender value factors differ by loan policy term and are as follows.

Policy
Term SV Factor
1–5 35%
6 – 10 45%
11 – 15 50%
16 – 20 50%
21 – 25 55%
26 - 30 55%
IX. TERMINATION OF POLICY
The Policy will remain in effect unless otherwise terminated in the manner set out below:
By the Policyholder: The Policyholder will be entitled to terminate the Policy after three
years from the Policy Effective Date by providing written notice to the Company stating its
intent to terminate the Policy, in which case the Policy will terminate on the later of:
 The date specified in the notice; or
 90 days from the date on which the Company receives the notice.
By the Company: The Company may terminate this Policy:

 On any date after giving 90 days’ written notice to the Policyholder; or
 On any date if required by legislation.
The Policyholder and the Company shall continue to fulfill their obligations until there are no
Coverage/(s) effective under the Policy as mentioned in Section II (Data and Information) or
thirty years from the date of termination, whichever is earlier.
On termination of the Policy either by the Policyholder or by the Company and during the
notice period, no new individuals shall be admitted as Lives Insured under the Policy. The
Coverage of the existing Lives Insured shall continue as per their respective Coverage
Terms under the Policy.
X. VARIATIONS TO THE POLICY
The Company reserves the right to vary from time to time the premium rates, terms and
conditions of the Policy including the Schedules, subject to the approval of the Insurance
Regulatory and Development Authority (‘IRDA’) and upon giving to the Policyholder 90 days’
prior notice in writing, of its intention to do so and any such variation will apply, only to
Coverages hereunder becoming effective on or after the date of expiry of such notice. Any
such alteration or amendment in the terms and conditions of the Policy shall be given effect
to by appropriate endorsements to the Policy signed by an authorised officer of the
Company.
If any of the parties to the Policy did not request the variation, the party not requesting the
amendment shall be entitled to object to it within a period of 90 days of the receipt of notice
of change. If the party not requesting the amendment does not object during this period, the
change will be considered effective on the date immediately subsequent to the completion of
the notice period of 90 days.
Notwithstanding anything contained in the Policy, the provisions herein shall stand changed,
altered, amended, modified, discontinued or superseded to such extent and in such manner
as may be required with a short notice to comply with any change in the applicable law
(including any regulations made or directions / instructions or guidelines issued by the
Insurance Regulatory and Development Authority) or as may be necessary under a
judgment or order of a court of law.

XI. LEGAL PROVISIONS
Policyholder’s acts binding on Life Insured/Beneficiary
The Policyholder will act for and on behalf of the Life Insured in any matter relating to the
Policy and Coverages.
Principal to principal relationship
Both the parties will act as independent service providers.
Loan not available
The Policyholder or the Life Insured will not be entitled to any loan under the Policy.
Governing Laws and jurisdiction
The Policy is subject to the applicable legislations prevailing in India. All disputes of any kind
whatsoever which may arise under or in connection with the Policy shall be subject to the
jurisdiction of the courts in Mumbai.
Taxation
1. The Life Insured under the Policy is eligible for tax benefits on the Coverage Premium
paid in accordance with the provisions of the Income Tax Act 1961.
2. The tax benefits under the Policy would be as per the prevailing provisions of the tax
laws from time to time and are subject to change.
3. In any case where the Company is liable to account to the revenue authorities for any
taxes or duties or cesses under the Policy, the Company shall deduct such sums from
the respective payment and the Company shall not be liable to the Life Insured or the
Policyholder for the sums so deducted.

Schedule I
Coverage Premium Rates for Individual Life and Sum Assured Band 1: The Coverage Premium rates per 000 Coverage are provided in following table.
Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 6.75 8.65 10.54 12.42 14.27 16.11 17.94 19.74 21.52 23.29 25.03 26.75 28.45 30.13 31.79 33.44 35.08 36.70 38.32 39.93 41.53 43.14 44.74 46.34 47.94 49.54 51.15 52.76
19 6.81 8.73 10.64 12.53 14.39 16.25 18.08 19.89 21.68 23.45 25.20 26.93 28.63 30.32 32.00 33.66 35.31 36.96 38.59 40.23 41.86 43.50 45.13 46.76 48.39 50.03 51.68 53.33
20 6.86 8.80 10.72 12.62 14.50 16.36 18.21 20.03 21.82 23.60 25.35 27.09 28.80 30.50 32.19 33.87 35.54 37.21 38.88 40.54 42.20 43.87 45.53 47.20 48.88 50.56 52.25 53.96
21 6.91 8.86 10.80 12.71 14.60 16.47 18.32 20.14 21.95 23.73 25.49 27.23 28.96 30.68 32.38 34.09 35.78 37.48 39.17 40.87 42.57 44.27 45.97 47.68 49.40 51.13 52.88 54.64
22 6.95 8.92 10.87 12.79 14.69 16.56 18.41 20.24 22.05 23.84 25.61 27.37 29.11 30.85 32.58 34.31 36.03 37.76 39.49 41.22 42.96 44.70 46.45 48.21 49.98 51.77 53.57 55.39
23 6.99 8.97 10.93 12.85 14.76 16.64 18.50 20.33 22.15 23.94 25.73 27.50 29.27 31.03 32.79 34.55 36.31 38.07 39.84 41.61 43.39 45.18 46.98 48.80 50.63 52.47 54.34 56.23
24 7.03 9.02 10.98 12.91 14.82 16.70 18.57 20.41 22.23 24.05 25.85 27.64 29.44 31.23 33.02 34.82 36.62 38.42 40.23 42.05 43.88 45.72 47.58 49.46 51.35 53.27 55.21 57.17
25 7.06 9.05 11.02 12.95 14.86 16.75 18.62 20.48 22.32 24.15 25.98 27.80 29.63 31.45 33.28 35.12 36.96 38.81 40.67 42.55 44.43 46.34 48.26 50.21 52.18 54.17 56.19 58.24
26 7.08 9.08 11.04 12.98 14.90 16.80 18.68 20.55 22.41 24.27 26.13 27.98 29.85 31.71 33.59 35.47 37.37 39.27 41.18 43.12 45.07 47.04 49.04 51.07 53.12 55.20 57.30 59.44
27 7.09 9.09 11.06 13.01 14.93 16.84 18.74 20.64 22.53 24.42 26.31 28.21 30.12 32.03 33.96 35.89 37.84 39.80 41.78 43.78 45.81 47.86 49.95 52.06 54.20 56.37 58.57 60.80
28 7.10 9.10 11.08 13.03 14.97 16.91 18.83 20.76 22.68 24.61 26.55 28.49 30.45 32.42 34.40 36.39 38.40 40.43 42.49 44.57 46.68 48.82 50.99 53.20 55.44 57.71 60.01 62.34
29 7.11 9.12 11.10 13.07 15.04 17.00 18.96 20.92 22.88 24.86 26.85 28.85 30.86 32.88 34.93 36.99 39.07 41.18 43.32 45.49 47.69 49.93 52.20 54.51 56.86 59.24 61.65 64.09
30 7.12 9.14 11.15 13.15 15.14 17.14 19.13 21.14 23.16 25.19 27.23 29.29 31.37 33.46 35.57 37.71 39.87 42.07 44.30 46.57 48.88 51.22 53.61 56.03 58.49 60.99 63.51 66.07
31 7.15 9.20 11.23 13.26 15.30 17.34 19.38 21.45 23.52 25.61 27.72 29.84 31.99 34.15 36.35 38.57 40.83 43.13 45.47 47.85 50.27 52.73 55.23 57.78 60.36 62.98 65.62 68.30
32 7.21 9.29 11.36 13.44 15.52 17.61 19.72 21.84 23.98 26.14 28.31 30.51 32.74 34.99 37.28 39.60 41.97 44.37 46.83 49.32 51.87 54.46 57.09 59.76 62.47 65.22 68.00 70.81
33 7.31 9.43 11.55 13.67 15.81 17.96 20.13 22.33 24.54 26.77 29.02 31.30 33.62 35.97 38.36 40.80 43.28 45.81 48.39 51.02 53.69 56.42 59.19 62.00 64.85 67.73 70.65 73.61
34 7.43 9.60 11.77 13.96 16.16 18.38 20.63 22.89 25.18 27.49 29.83 32.21 34.63 37.09 39.60 42.16 44.77 47.44 50.16 52.93 55.75 58.62 61.53 64.49 67.48 70.52 73.59 76.71
35 7.58 9.80 12.04 14.29 16.57 18.87 21.19 23.54 25.91 28.32 30.76 33.25 35.78 38.37 41.01 43.71 46.46 49.27 52.14 55.06 58.04 61.06 64.13 67.24 70.40 73.59 76.84 80.13
36 7.75 10.04 12.35 14.69 17.04 19.42 21.83 24.26 26.73 29.25 31.81 34.42 37.09 39.81 42.60 45.44 48.35 51.32 54.35 57.44 60.58 63.76 66.99 70.27 73.60 76.98 80.41 83.89
37 7.95 10.32 12.71 15.13 17.57 20.04 22.54 25.08 27.66 30.30 32.99 35.74 38.55 41.43 44.37 47.38 50.46 53.60 56.80 60.06 63.37 66.73 70.14 73.61 77.13 80.71 84.33 88.00
38 8.18 10.64 13.12 15.62 18.16 20.72 23.33 25.99 28.70 31.48 34.31 37.22 40.19 43.23 46.35 49.54 52.80 56.12 59.50 62.94 66.44 69.99 73.60 77.27 81.00 84.78 88.62 92.49
39 8.46 11.00 13.57 16.17 18.81 21.49 24.22 27.01 29.87 32.80 35.80 38.87 42.02 45.25 48.55 51.93 55.38 58.90 62.47 66.11 69.80 73.56 77.39 81.28 85.23 89.24 93.29 97.40
40 8.74 11.38 14.05 16.76 19.51 22.32 25.20 28.14 31.17 34.26 37.44 40.70 44.05 47.47 50.98 54.56 58.21 61.93 65.71 69.56 73.48 77.47 81.53 85.66 89.84 94.08 98.38 102.75
41 9.02 11.76 14.54 17.38 20.27 23.23 26.27 29.39 32.59 35.88 39.26 42.72 46.27 49.91 53.63 57.43 61.30 65.23 69.24 73.32 77.48 81.72 86.03 90.41 94.85 99.35 103.93 108.58
42 9.32 12.18 15.10 18.08 21.13 24.27 27.49 30.80 34.20 37.69 41.29 44.97 48.75 52.61 56.56 60.58 64.68 68.85 73.11 77.45 81.88 86.38 90.96 95.60 100.32 105.12 109.99 114.94
43 9.68 12.68 15.75 18.91 22.14 25.47 28.89 32.41 36.03 39.75 43.58 47.50 51.52 55.62 59.80 64.07 68.42 72.86 77.39 82.01 86.72 91.50 96.36 101.31 106.34 111.45 116.65 121.92
44 10.11 13.28 16.53 19.88 23.31 26.85 30.50 34.25 38.11 42.08 46.15 50.32 54.59 58.94 63.38 67.92 72.55 77.27 82.10 87.02 92.03 97.12 102.30 107.57 112.94 118.40 123.94 129.56
45 10.61 13.97 17.43 20.99 24.65 28.42 32.31 36.31 40.43 44.66 49.00 53.43 57.96 62.59 67.31 72.14 77.07 82.11 87.26 92.50 97.82 103.25 108.79 114.42 120.16 125.99 131.91 137.89
46 11.19 14.76 18.44 22.25 26.15 30.18 34.33 38.60 42.99 47.50 52.11 56.82 61.64 66.56 71.59 76.74 82.01 87.39 92.87 98.45 104.14 109.95 115.87 121.90 128.03 134.26 140.56 -
47 11.84 15.65 19.58 23.65 27.82 32.12 36.55 41.10 45.79 50.59 55.49 60.50 65.62 70.87 76.25 81.75 87.38 93.11 98.96 104.92 111.02 117.23 123.57 130.03 136.59 143.23 - -
48 12.57 16.64 20.83 25.18 29.64 34.23 38.96 43.83 48.82 53.91 59.12 64.46 69.93 75.54 81.30 87.18 93.18 99.31 105.56 111.96 118.49 125.15 131.95 138.87 145.86 - - -
49 13.36 17.71 22.20 26.86 31.62 36.53 41.58 46.75 52.06 57.48 63.04 68.74 74.60 80.61 86.76 93.04 99.46 106.02 112.73 119.59 126.61 133.77 141.05 148.43 - - - -
50 14.23 18.88 23.68 28.67 33.76 39.00 44.38 49.88 55.54 61.32 67.26 73.36 79.64 86.07 92.65 99.37 106.25 113.30 120.51 127.89 135.43 143.11 150.89 - - - - -
51 15.17 20.15 25.28 30.63 36.06 41.64 47.35 53.21 59.26 65.44 71.81 78.36 85.09 91.97 99.01 106.22 113.62 121.21 128.97 136.92 145.01 153.23 - - - - - -
52 16.18 21.51 27.00 32.72 38.50 44.43 50.52 56.78 63.25 69.89 76.72 83.76 90.95 98.33 105.90 113.67 121.64 129.82 138.18 146.72 155.39 - - - - - - -
53 17.26 22.97 28.83 34.93 41.08 47.40 53.91 60.62 67.56 74.70 82.04 89.57 97.30 105.23 113.39 121.78 130.39 139.20 148.21 157.37 - - - - - - - -
54 18.43 24.52 30.76 37.25 43.81 50.57 57.55 64.76 72.24 79.91 87.79 95.88 104.20 112.77 121.58 130.64 139.94 149.44 159.11 - - - - - - - - -
55 19.66 26.13 32.77 39.70 46.72 53.98 61.49 69.27 77.32 85.56 94.02 102.75 111.74 121.01 130.55 140.35 150.38 160.60 - - - - - - - - - -
56 20.90 27.78 34.87 42.31 49.86 57.68 65.79 74.17 82.83 91.69 100.83 110.28 120.02 130.07 140.40 150.99 161.79 - - - - - - - - - - -
57 22.15 29.51 37.12 45.13 53.29 61.75 70.51 79.52 88.85 98.43 108.34 118.59 129.17 140.07 151.24 162.66 - - - - - - - - - - - -
58 23.56 31.48 39.70 48.37 57.21 66.36 75.78 85.50 95.61 106.01 116.78 127.92 139.41 151.21 163.29 - - - - - - - - - - - - -
59 25.26 33.83 42.74 52.16 61.72 71.58 81.76 92.30 103.28 114.60 126.33 138.44 150.90 163.67 - - - - - - - - - - - - - -
60 27.26 36.57 46.26 56.45 66.77 77.42 88.46 99.94 111.91 124.25 137.02 150.18 163.68 - - - - - - - - - - - - - - -
61 29.54 39.68 50.17 61.18 72.33 83.90 95.94 108.47 121.54 135.00 148.90 163.18 - - - - - - - - - - - - - - - -
62 32.11 43.09 54.40 66.32 78.45 91.09 104.26 117.97 132.24 146.91 162.01 - - - - - - - - - - - - - - - - -
63 34.87 46.69 58.93 71.93 85.21 99.07 113.50 128.50 144.08 160.05 - - - - - - - - - - - - - - - - - -
64 37.66 50.46 63.86 78.11 92.71 107.93 123.76 140.17 157.15 - - - - - - - - - - - - - - - - - - -
65 40.47 54.55 69.30 85.00 101.07 117.80 135.15 153.07 - - - - - - - - - - - - - - - - - - - -
The Life Insured will be charged Service tax at the rate of 10.30% in addition to the Coverage Premium. The applicable service tax may vary from time to time as per prevailing tax laws.
11
Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 4.03 5.16 6.28 7.40 8.50 9.60 10.68 11.76 12.82 13.87 14.90 15.92 16.92 17.91 18.88 19.85 20.81 21.76 22.71 23.66 24.61 25.56 26.52 27.48 28.44 29.42 30.40 31.39
19 4.09 5.24 6.37 7.51 8.62 9.73 10.82 11.91 12.98 14.03 15.07 16.09 17.10 18.10 19.09 20.07 21.05 22.02 22.99 23.97 24.95 25.93 26.91 27.91 28.91 29.92 30.94 31.98
20 4.15 5.31 6.46 7.61 8.73 9.85 10.95 12.04 13.12 14.18 15.22 16.25 17.27 18.28 19.29 20.29 21.28 22.28 23.28 24.28 25.29 26.31 27.33 28.36 29.40 30.46 31.53 32.62
21 4.20 5.37 6.53 7.69 8.83 9.95 11.06 12.16 13.24 14.31 15.36 16.40 17.43 18.46 19.48 20.50 21.52 22.55 23.58 24.62 25.66 26.71 27.78 28.85 29.94 31.05 32.17 33.32
22 4.24 5.43 6.60 7.77 8.92 10.05 11.16 12.26 13.35 14.42 15.48 16.54 17.59 18.63 19.68 20.72 21.78 22.84 23.90 24.98 26.06 27.16 28.27 29.39 30.53 31.70 32.88 34.09
23 4.28 5.48 6.66 7.84 8.99 10.12 11.24 12.35 13.44 14.53 15.60 16.67 17.74 18.81 19.89 20.97 22.06 23.15 24.26 25.38 26.50 27.65 28.81 29.99 31.19 32.42 33.68 34.96
24 4.32 5.52 6.71 7.90 9.05 10.19 11.31 12.43 13.53 14.63 15.72 16.82 17.91 19.01 20.12 21.24 22.37 23.51 24.66 25.82 27.00 28.20 29.42 30.67 31.94 33.24 34.57 35.93
25 4.35 5.56 6.75 7.94 9.10 10.24 11.37 12.50 13.62 14.74 15.85 16.98 18.10 19.24 20.39 21.55 22.72 23.91 25.11 26.33 27.57 28.83 30.12 31.44 32.79 34.17 35.58 37.03
26 4.37 5.58 6.78 7.97 9.13 10.28 11.43 12.57 13.71 14.86 16.00 17.16 18.33 19.51 20.70 21.91 23.13 24.37 25.63 26.91 28.21 29.55 30.92 32.32 33.75 35.22 36.72 38.27
27 4.38 5.60 6.80 8.00 9.17 10.33 11.49 12.66 13.83 15.00 16.19 17.39 18.60 19.83 21.07 22.33 23.61 24.91 26.23 27.59 28.97 30.39 31.84 33.33 34.86 36.42 38.03 39.67
28 4.39 5.61 6.82 8.02 9.21 10.39 11.58 12.78 13.98 15.20 16.43 17.67 18.94 20.22 21.52 22.83 24.18 25.55 26.95 28.38 29.85 31.36 32.91 34.50 36.12 37.80 39.51 41.26
29 4.40 5.62 6.84 8.06 9.27 10.48 11.71 12.94 14.19 15.45 16.73 18.03 19.35 20.69 22.05 23.44 24.86 26.31 27.79 29.32 30.88 32.49 34.15 35.84 37.58 39.37 41.20 43.06
30 4.41 5.65 6.89 8.13 9.37 10.62 11.89 13.16 14.46 15.78 17.12 18.48 19.86 21.27 22.70 24.17 25.67 27.21 28.80 30.42 32.10 33.81 35.58 37.40 39.26 41.16 43.11 45.10
31 4.44 5.70 6.97 8.25 9.53 10.82 12.14 13.47 14.83 16.21 17.61 19.04 20.49 21.97 23.49 25.05 26.65 28.29 29.98 31.72 33.51 35.35 37.24 39.18 41.17 43.20 45.28 47.39
32 4.50 5.80 7.10 8.43 9.75 11.10 12.47 13.87 15.29 16.74 18.21 19.71 21.24 22.82 24.43 26.09 27.79 29.55 31.36 33.22 35.14 37.11 39.13 41.21 43.33 45.50 47.71 49.97
33 4.60 5.94 7.28 8.66 10.04 11.45 12.89 14.36 15.85 17.37 18.92 20.51 22.13 23.81 25.53 27.30 29.12 31.00 32.94 34.94 37.00 39.11 41.28 43.50 45.76 48.08 50.44 52.85
34 4.72 6.11 7.51 8.95 10.40 11.88 13.39 14.92 16.50 18.10 19.74 21.42 23.16 24.94 26.78 28.68 30.64 32.66 34.74 36.88 39.09 41.35 43.67 46.04 48.46 50.93 53.46 56.04
35 4.87 6.31 7.78 9.29 10.81 12.37 13.95 15.57 17.23 18.93 20.67 22.47 24.32 26.23 28.20 30.24 32.35 34.52 36.75 39.05 41.42 43.84 46.32 48.85 51.44 54.08 56.79 59.55
36 5.04 6.55 8.09 9.68 11.29 12.92 14.59 16.31 18.06 19.87 21.73 23.65 25.64 27.69 29.81 32.00 34.26 36.59 39.00 41.47 44.00 46.59 49.24 51.95 54.72 57.55 60.45 63.41
37 5.24 6.83 8.46 10.13 11.82 13.54 15.31 17.13 19.00 20.93 22.92 24.98 27.11 29.32 31.60 33.96 36.39 38.90 41.49 44.13 46.84 49.61 52.45 55.35 58.32 61.36 64.47 67.64
38 5.48 7.15 8.87 10.63 12.41 14.23 16.11 18.04 20.05 22.11 24.25 26.47 28.77 31.15 33.60 36.14 38.77 41.46 44.23 47.06 49.96 52.93 55.97 59.09 62.28 65.54 68.86 72.25
39 5.75 7.52 9.32 11.19 13.07 15.00 17.00 19.07 21.22 23.45 25.75 28.14 30.62 33.18 35.83 38.57 41.39 44.28 47.24 50.28 53.39 56.57 59.84 63.19 66.61 70.10 73.66 77.29
40 6.04 7.90 9.80 11.78 13.78 15.84 17.99 20.21 22.53 24.92 27.41 29.99 32.66 35.43 38.28 41.23 44.25 47.35 50.53 53.79 57.13 60.55 64.06 67.65 71.32 75.06 78.88 82.79
41 6.32 8.28 10.29 12.40 14.54 16.76 19.07 21.47 23.97 26.55 29.24 32.02 34.91 37.89 40.97 44.13 47.37 50.70 54.11 57.61 61.20 64.88 68.66 72.51 76.44 80.45 84.56 88.77
42 6.62 8.70 10.85 13.11 15.41 17.80 20.29 22.88 25.58 28.38 31.28 34.29 37.41 40.62 43.93 47.32 50.80 54.37 58.04 61.80 65.67 69.63 73.68 77.81 82.03 86.36 90.78 95.31
43 6.98 9.20 11.51 13.94 16.42 19.01 21.70 24.51 27.43 30.46 33.60 36.85 40.20 43.66 47.21 50.85 54.59 58.43 62.38 66.44 70.59 74.84 79.19 83.63 88.18 92.85 97.62 102.49
44 7.41 9.80 12.29 14.92 17.60 20.40 23.32 26.36 29.53 32.80 36.19 39.70 43.31 47.02 50.83 54.74 58.77 62.90 67.16 71.53 75.99 80.56 85.23 90.02 94.94 99.97 105.10 110.34
45 7.91 10.50 13.19 16.04 18.95 21.99 25.15 28.44 31.87 35.40 39.06 42.83 46.71 50.70 54.79 59.01 63.35 67.81 72.40 77.09 81.88 86.80 91.85 97.02 102.33 107.74 113.26 118.87
46 8.49 11.29 14.21 17.30 20.46 23.75 27.18 30.74 34.45 38.27 42.20 46.25 50.42 54.71 59.12 63.67 68.35 73.16 78.09 83.13 88.31 93.62 99.07 104.66 110.38 116.20 122.13 -
47 9.15 12.19 15.35 18.71 22.14 25.70 29.41 33.26 37.27 41.38 45.61 49.96 54.44 59.06 63.82 68.74 73.79 78.96 84.26 89.70 95.30 101.04 106.94 112.97 119.12 125.38 - -
48 9.88 13.17 16.61 20.25 23.97 27.83 31.84 36.00 40.32 44.73 49.27 53.96 58.79 63.78 68.93 74.23 79.66 85.23 90.96 96.85 102.90 109.12 115.48 121.98 128.59 - - -
49 10.67 14.25 17.98 21.94 25.96 30.14 34.47 38.95 43.59 48.33 53.22 58.27 63.50 68.89 74.45 80.15 86.01 92.03 98.23 104.61 111.16 117.88 124.74 131.73 - - - -
50 11.54 15.43 19.47 23.76 28.12 32.63 37.29 42.10 47.09 52.19 57.47 62.93 68.58 74.41 80.40 86.55 92.89 99.42 106.14 113.05 120.13 127.38 134.77 - - - - -
51 12.48 16.69 21.07 25.72 30.43 35.28 40.29 45.45 50.83 56.34 62.05 67.97 74.08 80.36 86.83 93.49 100.36 107.44 114.73 122.21 129.87 137.68 - - - - - -
52 13.50 18.06 22.80 27.82 32.88 38.10 43.48 49.04 54.86 60.82 67.01 73.41 80.00 86.79 93.79 101.02 108.48 116.17 124.07 132.16 140.43 - - - - - - -
53 14.58 19.52 24.64 30.04 35.47 41.08 46.88 52.90 59.19 65.66 72.37 79.28 86.40 93.76 101.37 109.23 117.34 125.68 134.23 142.97 - - - - - - - -
54 15.75 21.08 26.57 32.37 38.22 44.26 50.54 57.06 63.90 70.91 78.16 85.63 93.36 101.37 109.65 118.20 127.01 136.05 145.30 - - - - - - - - -
55 16.98 22.69 28.58 34.83 41.14 47.69 54.50 61.59 69.01 76.59 84.43 92.56 100.98 109.70 118.72 128.02 137.58 147.36 - - - - - - - - - -
56 18.23 24.35 30.69 37.45 44.28 51.40 58.82 66.52 74.55 82.77 91.30 100.15 109.34 118.85 128.67 138.78 149.13 - - - - - - - - - - -
57 19.48 26.08 32.95 40.28 47.72 55.49 63.55 71.90 80.61 89.56 98.86 108.54 118.57 128.94 139.62 150.59 - - - - - - - - - - - -
58 20.89 28.05 35.53 43.52 51.65 60.11 68.85 77.92 87.40 97.18 107.36 117.94 128.89 140.19 151.80 - - - - - - - - - - - - -
59 22.59 30.41 38.59 47.32 56.18 65.35 74.86 84.74 95.12 105.83 116.98 128.54 140.49 152.77 - - - - - - - - - - - - - -
60 24.59 33.15 42.11 51.63 61.25 71.22 81.59 92.42 103.80 115.54 127.75 140.37 153.38 - - - - - - - - - - - - - - -
61 26.88 36.27 46.03 56.37 66.83 77.72 89.11 101.00 113.48 126.36 139.71 153.47 - - - - - - - - - - - - - - - -
62 29.45 39.69 50.27 61.53 72.97 84.94 97.46 110.55 124.24 138.35 152.92 - - - - - - - - - - - - - - - - -
63 32.22 43.29 54.81 67.16 79.75 92.94 106.74 121.13 136.15 151.57 - - - - - - - - - - - - - - - - - -
64 35.01 47.08 59.75 73.35 87.27 101.84 117.04 132.85 149.29 - - - - - - - - - - - - - - - - - - -
65 37.82 51.16 67.00 80.25 95.66 111.74 128.48 145.83 - - - - - - - - - - - - - - - - - - - -

Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 3.14 4.00 4.86 5.76 6.61 7.44 8.28 9.10 9.94 10.74 11.53 12.31 13.08 13.83 14.58 15.32 16.05 16.78 17.51 18.24 18.97 19.71 20.45 21.19 21.95 22.71 23.48 24.27
19 3.20 4.08 4.96 5.87 6.73 7.58 8.42 9.26 10.11 10.91 11.71 12.49 13.26 14.03 14.79 15.54 16.29 17.04 17.79 18.55 19.31 20.07 20.84 21.62 22.41 23.22 24.03 24.86
20 3.25 4.15 5.04 5.97 6.84 7.70 8.55 9.40 10.25 11.06 11.86 12.65 13.43 14.21 14.98 15.76 16.53 17.30 18.08 18.86 19.66 20.46 21.26 22.08 22.91 23.76 24.62 25.51
21 3.30 4.21 5.12 6.06 6.94 7.81 8.67 9.52 10.38 11.19 12.00 12.80 13.59 14.39 15.18 15.97 16.77 17.57 18.38 19.20 20.03 20.86 21.71 22.58 23.45 24.35 25.27 26.21
22 3.35 4.27 5.19 6.14 7.03 7.90 8.77 9.62 10.49 11.31 12.12 12.93 13.75 14.56 15.38 16.20 17.03 17.86 18.71 19.56 20.43 21.31 22.20 23.12 24.05 25.01 25.99 27.00
23 3.39 4.32 5.25 6.21 7.10 7.99 8.85 9.71 10.59 11.41 12.24 13.07 13.90 14.74 15.59 16.44 17.31 18.18 19.06 19.96 20.87 21.80 22.75 23.72 24.72 25.74 26.79 27.87
24 3.42 4.37 5.30 6.27 7.17 8.05 8.92 9.79 10.68 11.52 12.36 13.21 14.07 14.94 15.82 16.72 17.62 18.53 19.46 20.41 21.37 22.36 23.37 24.40 25.47 26.56 27.69 28.85
25 3.45 4.40 5.34 6.31 7.22 8.10 8.98 9.86 10.76 11.62 12.49 13.37 14.27 15.17 16.09 17.03 17.97 18.94 19.92 20.92 21.94 22.99 24.07 25.18 26.32 27.50 28.71 29.96
26 3.47 4.43 5.37 6.34 7.25 8.15 9.04 9.93 10.85 11.74 12.64 13.56 14.49 15.44 16.40 17.39 18.38 19.40 20.44 21.50 22.60 23.72 24.87 26.07 27.29 28.56 29.87 31.21
27 3.49 4.44 5.39 6.37 7.28 8.19 9.10 10.01 10.96 11.88 12.82 13.78 14.76 15.76 16.78 17.81 18.86 19.94 21.05 22.19 23.35 24.56 25.80 27.08 28.41 29.77 31.18 32.63
28 3.50 4.46 5.40 6.39 7.32 8.25 9.18 10.13 11.11 12.07 13.06 14.07 15.10 16.15 17.22 18.32 19.44 20.59 21.77 22.99 24.24 25.54 26.88 28.26 29.69 31.16 32.67 34.23
29 3.50 4.47 5.43 6.43 7.38 8.34 9.31 10.29 11.31 12.32 13.36 14.43 15.52 16.63 17.76 18.93 20.12 21.35 22.62 23.93 25.28 26.68 28.13 29.62 31.16 32.74 34.38 36.05
30 3.51 4.49 5.47 6.50 7.48 8.47 9.48 10.52 11.58 12.65 13.75 14.88 16.03 17.21 18.42 19.66 20.94 22.26 23.63 25.04 26.50 28.01 29.57 31.18 32.84 34.55 36.31 38.10
31 3.55 4.55 5.56 6.61 7.64 8.67 9.74 10.82 11.95 13.08 14.25 15.44 16.66 17.91 19.21 20.54 21.92 23.34 24.82 26.34 27.92 29.55 31.24 32.98 34.77 36.61 38.49 40.42
32 3.61 4.64 5.69 6.79 7.86 8.95 10.07 11.22 12.41 13.61 14.85 16.11 17.42 18.76 20.15 21.58 23.07 24.61 26.20 27.85 29.56 31.33 33.15 35.03 36.95 38.93 40.95 43.02
33 3.70 4.78 5.87 7.02 8.15 9.30 10.49 11.71 12.97 14.25 15.56 16.91 18.31 19.75 21.25 22.80 24.40 26.07 27.80 29.58 31.43 33.34 35.31 37.33 39.40 41.52 43.70 45.93
34 3.82 4.95 6.10 7.31 8.50 9.73 10.99 12.28 13.62 14.98 16.38 17.83 19.34 20.89 22.51 24.19 25.93 27.73 29.60 31.53 33.53 35.60 37.72 39.89 42.12 44.40 46.74 49.15
35 3.97 5.16 6.37 7.64 8.91 10.22 11.56 12.93 14.36 15.81 17.32 18.88 20.50 22.19 23.94 25.75 27.64 29.60 31.62 33.72 35.88 38.10 40.38 42.72 45.12 47.58 50.10 52.69
36 4.15 5.40 6.68 8.04 9.39 10.78 12.20 13.66 15.19 16.76 18.38 20.07 21.82 23.65 25.55 27.52 29.56 31.69 33.88 36.14 38.47 40.87 43.32 45.84 48.42 51.08 53.80 56.59
37 4.35 5.68 7.05 8.49 9.93 11.40 12.92 14.49 16.13 17.81 19.57 21.40 23.30 25.29 27.35 29.49 31.71 34.01 36.38 38.82 41.33 43.91 46.55 49.27 52.05 54.92 57.85 60.85
38 4.58 6.00 7.46 8.99 10.52 12.09 13.72 15.41 17.18 19.01 20.91 22.90 24.97 27.12 29.36 31.68 34.09 36.58 39.14 41.77 44.47 47.25 50.10 53.03 56.04 59.13 62.28 65.50
39 4.85 6.36 7.91 9.54 11.18 12.86 14.61 16.44 18.36 20.34 22.41 24.57 26.82 29.16 31.59 34.11 36.72 39.41 42.17 45.00 47.92 50.91 53.99 57.16 60.40 63.72 67.11 70.59
40 5.14 6.74 8.39 10.14 11.89 13.70 15.60 17.58 19.67 21.82 24.07 26.42 28.87 31.41 34.05 36.78 39.60 42.49 45.47 48.53 51.68 54.91 58.24 61.65 65.15 68.72 72.38 76.13
41 5.43 7.13 8.89 10.76 12.65 14.62 16.68 18.84 21.11 23.46 25.91 28.47 31.13 33.89 36.75 39.70 42.73 45.86 49.07 52.37 55.77 59.27 62.86 66.54 70.30 74.16 78.11 82.17
42 5.72 7.55 9.44 11.47 13.52 15.66 17.91 20.25 22.73 25.29 27.96 30.74 33.63 36.63 39.72 42.90 46.18 49.55 53.02 56.59 60.27 64.05 67.91 71.88 75.94 80.11 84.39 88.78
43 6.08 8.05 10.10 12.30 14.53 16.87 19.32 21.88 24.58 27.37 30.28 33.30 36.44 39.68 43.01 46.44 49.98 53.62 57.38 61.24 65.22 69.29 73.46 77.74 82.14 86.65 91.28 96.01
44 6.51 8.65 10.88 13.28 15.72 18.27 20.94 23.74 26.68 29.72 32.88 36.16 39.55 43.04 46.64 50.35 54.17 58.12 62.18 66.36 70.65 75.04 79.55 84.18 88.94 93.83 98.82 103.93
45 7.02 9.35 11.78 14.40 17.06 19.85 22.77 25.82 29.02 32.33 35.76 39.31 42.97 46.74 50.62 54.64 58.77 63.05 67.44 71.95 76.57 81.32 86.21 91.23 96.38 101.66 107.05 112.54
46 7.60 10.14 12.81 15.66 18.58 21.62 24.81 28.13 31.61 35.20 38.91 42.74 46.69 50.76 54.97 59.31 63.80 68.42 73.16 78.03 83.03 88.18 93.48 98.92 104.49 110.18 115.98 -
47 8.25 11.04 13.95 17.07 20.25 23.58 27.04 30.66 34.44 38.32 42.32 46.45 50.72 55.13 59.69 64.40 69.26 74.24 79.36 84.64 90.07 95.65 101.39 107.28 113.29 119.43 - -
48 8.98 12.02 15.21 18.62 22.09 25.71 29.48 33.40 37.50 41.68 46.00 50.46 55.08 59.86 64.81 69.91 75.15 80.54 86.10 91.82 97.71 103.77 109.99 116.35 122.83 - - -
49 9.78 13.10 16.58 20.30 24.09 28.03 32.12 36.36 40.78 45.29 49.96 54.79 59.80 64.99 70.35 75.86 81.53 87.38 93.41 99.62 106.02 112.58 119.31 126.16 - - - -
50 10.65 14.28 18.07 22.13 26.24 30.52 34.94 39.51 44.29 49.16 54.22 59.46 64.90 70.53 76.32 82.29 88.44 94.79 101.35 108.10 115.04 122.14 129.40 - - - - -
51 11.59 15.55 19.68 24.09 28.56 33.17 37.94 42.88 48.04 53.32 58.81 64.51 70.41 76.50 82.77 89.25 95.94 102.85 109.98 117.31 124.82 132.50 - - - - - -
52 12.60 16.91 21.40 26.19 31.02 35.99 41.14 46.47 52.07 57.81 63.78 69.97 76.35 82.94 89.76 96.81 104.10 111.62 119.36 127.31 135.44 - - - - - - -
53 13.69 18.38 23.24 28.42 33.61 38.98 44.55 50.33 56.41 62.66 69.15 75.85 82.77 89.94 97.37 105.05 112.99 121.17 129.58 138.18 - - - - - - - -
54 14.86 19.93 25.18 30.75 36.36 42.17 48.21 54.51 61.13 67.92 74.95 82.22 89.76 97.57 105.68 114.06 122.70 131.59 140.69 - - - - - - - - -
55 16.09 21.55 27.20 33.22 39.29 45.60 52.18 59.04 66.25 73.61 81.25 89.17 97.39 105.93 114.78 123.91 133.31 142.95 - - - - - - - - - -
56 17.34 23.21 29.31 35.83 42.43 49.31 56.50 63.98 71.80 79.80 88.12 96.78 105.78 115.11 124.76 134.71 144.91 - - - - - - - - - - -
57 18.59 24.94 31.56 38.66 45.87 53.40 61.24 69.37 77.87 86.61 95.71 105.19 115.03 125.23 135.75 146.56 - - - - - - - - - - - -
58 20.00 26.92 34.15 41.91 49.81 58.03 66.55 75.39 84.68 94.25 104.23 114.62 125.39 136.52 147.97 - - - - - - - - - - - - -
59 21.71 29.27 37.20 45.71 54.34 63.28 72.57 82.23 92.41 102.91 113.87 125.24 137.02 149.14 - - - - - - - - - - - - - -
60 23.70 32.01 40.72 50.02 59.41 69.16 79.31 89.92 101.10 112.64 124.66 137.10 149.94 - - - - - - - - - - - - - - -
61 25.99 35.13 44.65 54.77 65.00 75.67 86.83 98.52 110.80 123.48 136.64 150.24 - - - - - - - - - - - - - - - -
62 28.57 38.56 48.89 59.93 71.15 82.89 95.20 108.08 121.58 135.49 149.89 - - - - - - - - - - - - - - - - -
63 31.33 42.16 53.44 65.57 77.94 90.91 104.49 118.68 133.51 148.75 - - - - - - - - - - - - - - - - - -
64 34.12 45.95 58.38 71.77 85.46 99.81 114.81 130.42 146.68 - - - - - - - - - - - - - - - - - - -
65 36.94 50.03 65.00 78.67 93.85 109.73 126.26 145.10 - - - - - - - - - - - - - - - - - - - -

Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 2.73 3.48 4.23 5.04 5.77 6.50 7.21 7.92 8.72 9.37 10.04 10.70 11.35 11.99 12.62 13.25 13.88 14.50 15.14 15.76 16.39 17.02 17.66 18.31 18.96 19.63 20.31 21.00
19 2.79 3.56 4.32 5.15 5.90 6.64 7.36 8.08 8.89 9.55 10.22 10.88 11.54 12.19 12.83 13.48 14.12 14.76 15.42 16.07 16.73 17.39 18.06 18.75 19.44 20.15 20.87 21.61
20 2.85 3.63 4.41 5.25 6.01 6.76 7.50 8.22 9.04 9.71 10.38 11.05 11.71 12.37 13.03 13.69 14.36 15.03 15.71 16.39 17.08 17.78 18.49 19.21 19.95 20.70 21.47 22.26
21 2.90 3.69 4.48 5.34 6.11 6.87 7.62 8.35 9.18 9.85 10.53 11.20 11.88 12.55 13.23 13.91 14.60 15.30 16.02 16.73 17.46 18.20 18.95 19.71 20.50 21.30 22.13 22.98
22 2.94 3.75 4.55 5.42 6.20 6.97 7.72 8.46 9.30 9.98 10.66 11.34 12.03 12.72 13.43 14.14 14.86 15.60 16.35 17.10 17.87 18.65 19.45 20.27 21.11 21.97 22.86 23.78
23 2.98 3.80 4.62 5.49 6.28 7.05 7.81 8.55 9.40 10.09 10.78 11.48 12.19 12.91 13.64 14.39 15.15 15.92 16.71 17.50 18.32 19.15 20.01 20.88 21.79 22.72 23.68 24.67
24 3.02 3.85 4.67 5.55 6.35 7.12 7.88 8.63 9.49 10.19 10.90 11.62 12.35 13.11 13.88 14.66 15.46 16.28 17.11 17.96 18.83 19.72 20.63 21.58 22.55 23.56 24.60 25.68
25 3.05 3.89 4.88 5.60 6.40 7.18 7.94 9.00 9.57 10.29 11.02 11.77 12.98 13.33 14.15 14.98 15.82 17.28 17.57 18.48 19.40 20.36 22.11 22.37 23.42 24.51 25.64 27.75
26 3.07 3.91 4.89 5.63 6.43 7.22 8.00 9.01 9.66 10.40 11.16 11.95 12.99 13.60 14.46 15.34 16.24 17.29 18.10 19.07 20.07 21.10 22.17 23.27 24.41 25.59 26.81 28.08
27 3.09 3.93 4.90 5.66 6.47 7.26 8.06 9.02 9.75 10.53 11.33 12.17 13.04 13.93 14.84 15.77 16.73 17.71 18.72 19.76 20.84 21.96 23.11 24.31 25.54 26.83 28.15 29.52
28 3.10 3.94 4.91 5.68 6.50 7.32 8.14 9.03 9.88 10.70 11.56 12.46 13.38 14.33 15.29 16.29 17.31 18.37 19.45 20.58 21.75 22.95 24.21 25.50 26.85 28.24 29.68 31.16
29 3.10 3.95 4.92 5.72 6.56 7.40 8.25 9.04 10.06 10.94 11.87 12.82 13.80 14.81 15.84 16.91 18.01 19.14 20.32 21.54 22.80 24.12 25.48 26.89 28.35 29.85 31.41 33.01
30 3.11 3.98 4.93 5.78 6.66 7.54 8.43 9.05 10.32 11.27 12.26 13.28 14.32 15.40 16.51 17.65 18.84 20.07 21.34 22.67 24.04 25.47 26.95 28.48 30.06 31.70 33.38 35.10
31 3.15 4.03 4.94 5.90 6.81 7.73 8.68 9.06 10.68 11.70 12.76 13.84 14.96 16.12 17.31 18.55 19.83 21.17 22.55 23.99 25.49 27.04 28.64 30.31 32.02 33.79 35.60 37.47
32 3.21 4.13 4.95 6.07 7.03 8.01 9.01 9.07 11.15 12.24 13.36 14.53 15.73 16.97 18.27 19.61 21.00 22.45 23.96 25.53 27.15 28.84 30.59 32.39 34.25 36.15 38.11 40.12
33 3.30 4.27 4.96 6.30 7.32 8.36 9.44 9.46 11.71 12.88 14.09 15.34 16.64 17.98 19.39 20.84 22.36 23.94 25.58 27.29 29.06 30.89 32.78 34.73 36.74 38.79 40.91 43.08
34 3.43 4.44 4.97 6.59 7.68 8.79 9.94 9.95 12.37 13.63 14.92 16.27 17.68 19.14 20.67 22.25 23.91 25.63 27.42 29.27 31.20 33.19 35.23 37.34 39.50 41.73 44.01 46.35
35 3.58 4.65 5.89 6.94 8.10 9.29 10.52 12.09 13.12 14.47 15.88 17.34 19.35 20.46 22.12 23.85 25.65 28.23 29.48 31.49 33.58 35.74 38.91 40.22 42.56 44.96 47.43 51.24
36 3.75 4.89 6.07 7.34 8.58 9.86 11.17 12.53 13.97 15.43 16.95 18.54 20.20 21.94 23.75 25.64 27.61 29.65 31.77 33.96 36.22 38.55 40.94 43.40 45.92 48.52 51.19 53.94
37 3.96 5.18 6.44 7.79 9.12 10.49 11.90 13.37 14.92 16.50 18.16 19.90 21.71 23.61 25.58 27.64 29.79 32.01 34.31 36.69 39.13 41.64 44.23 46.89 49.62 52.43 55.32 58.27
38 4.19 5.50 6.85 8.30 9.72 11.19 12.72 14.30 15.98 17.71 19.52 21.42 23.40 25.47 27.63 29.87 32.21 34.62 37.12 39.68 42.32 45.04 47.84 50.71 53.68 56.72 59.83 63.02
39 4.47 5.87 7.31 8.86 10.39 11.97 13.62 15.35 17.18 19.07 21.04 23.12 25.28 27.54 29.90 32.34 34.88 37.50 40.20 42.97 45.83 48.77 51.80 54.91 58.12 61.40 64.75 68.20
40 4.77 6.26 7.80 9.46 11.11 12.83 14.62 16.51 18.51 20.57 22.73 25.00 27.37 29.83 32.40 35.06 37.81 40.64 43.56 46.56 49.65 52.84 56.12 59.49 62.95 66.49 70.12 73.85
41 5.05 6.65 8.30 10.10 11.89 13.76 15.72 17.78 19.97 22.23 24.60 27.07 29.66 32.35 35.14 38.02 40.99 44.06 47.21 50.46 53.82 57.27 60.82 64.46 68.19 72.03 75.96 80.01
42 5.36 7.08 8.87 10.81 12.76 14.81 16.96 19.22 21.61 24.09 26.68 29.39 32.20 35.13 38.16 41.28 44.49 47.81 51.23 54.75 58.39 62.13 65.96 69.90 73.94 78.09 82.36 86.73
43 5.72 7.58 9.54 11.65 13.79 16.04 18.40 20.87 23.49 26.20 29.03 31.99 35.05 38.23 41.50 44.88 48.36 51.95 55.66 59.49 63.43 67.46 71.61 75.87 80.25 84.75 89.37 94.10
44 6.15 8.19 10.33 12.64 14.99 17.46 20.04 22.76 25.63 28.59 31.68 34.89 38.21 41.65 45.19 48.85 52.62 56.52 60.55 64.69 68.95 73.31 77.80 82.43 87.18 92.05 97.05 102.16
45 6.67 8.90 11.43 13.78 16.36 19.07 21.90 25.25 28.01 31.24 34.60 38.09 42.18 45.40 49.24 53.20 57.30 62.07 65.89 70.37 74.97 79.71 85.06 89.60 94.75 100.03 105.43 111.56
46 7.26 9.71 12.28 15.07 17.90 20.86 23.97 27.22 30.64 34.16 37.80 41.57 45.46 49.49 53.65 57.95 62.40 66.99 71.71 76.56 81.55 86.69 91.98 97.42 103.00 108.71 114.52 -
47 7.92 10.61 13.44 16.50 19.60 22.85 26.24 29.78 33.51 37.32 41.27 45.35 49.56 53.93 58.44 63.12 67.95 72.91 78.02 83.28 88.70 94.28 100.03 105.93 111.96 118.11 - -
48 8.66 11.61 14.72 18.07 21.46 25.01 28.72 32.57 36.61 40.74 45.00 49.42 53.99 58.73 63.65 68.72 73.95 79.32 84.87 90.58 96.48 102.54 108.77 115.15 121.66 - - -
49 9.47 12.71 16.11 19.78 23.49 27.36 31.39 35.57 39.95 44.41 49.03 53.82 58.79 63.94 69.28 74.77 80.43 86.27 92.30 98.52 104.92 111.51 118.26 125.15 - - - -
50 10.35 13.91 17.62 21.63 25.68 29.89 34.26 38.78 43.51 48.34 53.35 58.56 63.97 69.57 75.35 81.30 87.45 93.81 100.37 107.14 114.09 121.23 128.52 - - - - -
51 11.31 15.19 19.26 23.63 28.03 32.59 37.31 42.19 47.33 52.56 58.02 63.69 69.57 75.64 81.90 88.38 95.07 102.00 109.14 116.50 124.05 131.77 - - - - - -
52 12.33 16.58 21.01 25.76 30.53 35.46 40.56 45.85 51.42 57.12 63.06 69.23 75.60 82.19 89.00 96.06 103.37 110.91 118.68 126.67 134.84 - - - - - - -
53 13.44 18.06 22.87 28.02 33.17 38.49 44.02 49.76 55.83 62.05 68.51 75.20 82.12 89.29 96.73 104.44 112.40 120.62 129.07 137.72 - - - - - - - -
54 14.62 19.64 24.84 30.39 35.96 41.73 47.74 54.00 60.61 67.39 74.40 81.68 89.22 97.05 105.17 113.58 122.27 131.21 140.37 - - - - - - - - -
55 15.87 21.28 27.10 32.90 38.93 45.21 51.76 59.00 65.81 73.17 80.80 88.73 97.00 105.54 114.42 123.60 133.05 142.00 - - - - - - - - - -
56 17.14 22.97 29.03 35.55 42.12 48.98 56.15 63.62 71.44 79.45 87.79 96.46 105.49 114.86 124.56 134.57 144.85 - - - - - - - - - - -
57 18.41 24.73 31.32 38.42 45.61 53.13 60.96 69.09 77.61 86.36 95.49 105.00 114.89 125.14 135.73 146.55 - - - - - - - - - - - -
58 19.84 26.73 33.94 41.71 49.61 57.82 66.35 75.21 84.52 94.12 104.14 114.57 125.38 136.51 147.96 - - - - - - - - - - - - -
59 21.57 29.12 37.04 45.57 54.21 63.16 72.46 82.15 92.37 102.90 113.86 125.23 137.01 149.13 - - - - - - - - - - - - - -
60 23.60 31.90 40.61 49.95 59.36 69.12 79.30 89.91 101.09 112.63 124.65 137.09 149.93 - - - - - - - - - - - - - - -
61 25.92 35.07 44.60 54.76 64.99 75.66 86.82 98.51 110.79 123.47 136.63 150.23 - - - - - - - - - - - - - - - -
62 28.53 38.54 48.88 59.92 71.14 82.88 95.19 108.07 121.57 135.48 149.88 - - - - - - - - - - - - - - - - -
63 31.32 42.15 53.43 65.56 77.93 90.90 104.48 118.67 133.50 148.74 - - - - - - - - - - - - - - - - - -
64 34.11 45.93 58.37 71.76 85.45 99.80 114.80 130.41 146.67 - - - - - - - - - - - - - - - - - - -
65 36.92 50.02 64.75 78.66 93.84 109.72 126.25 145.00 - - - - - - - - - - - - - - - - - - - -

Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 2.71 3.46 4.21 5.02 5.75 6.48 7.19 7.90 8.70 9.35 10.02 10.68 11.33 11.97 12.60 13.23 13.86 14.48 15.12 15.74 16.37 17.00 17.64 18.29 18.94 19.61 20.29 20.98
19 2.77 3.54 4.30 5.13 5.88 6.62 7.34 8.06 8.87 9.53 10.20 10.86 11.52 12.17 12.81 13.46 14.10 14.74 15.40 16.05 16.71 17.37 18.04 18.73 19.42 20.13 20.85 21.59
20 2.83 3.61 4.39 5.23 5.99 6.74 7.48 8.20 9.02 9.69 10.36 11.03 11.69 12.35 13.01 13.67 14.34 15.01 15.69 16.37 17.06 17.76 18.47 19.19 19.93 20.68 21.45 22.24
21 2.88 3.67 4.46 5.32 6.09 6.85 7.60 8.33 9.16 9.83 10.51 11.18 11.86 12.53 13.21 13.89 14.58 15.28 16.00 16.71 17.44 18.18 18.93 19.69 20.48 21.28 22.11 22.96
22 2.92 3.73 4.53 5.40 6.18 6.95 7.70 8.44 9.28 9.96 10.64 11.32 12.01 12.70 13.41 14.12 14.84 15.58 16.33 17.08 17.85 18.63 19.43 20.25 21.09 21.95 22.84 23.76
23 2.96 3.78 4.60 5.47 6.26 7.03 7.79 8.53 9.38 10.07 10.76 11.46 12.17 12.89 13.62 14.37 15.13 15.90 16.69 17.48 18.30 19.13 19.99 20.86 21.77 22.70 23.66 24.65
24 3.00 3.83 4.65 5.53 6.33 7.10 7.86 8.61 9.47 10.17 10.88 11.60 12.33 13.09 13.86 14.64 15.44 16.26 17.09 17.94 18.81 19.70 20.61 21.56 22.53 23.54 24.58 25.66
25 3.03 3.87 4.83 5.58 6.38 7.16 7.92 8.92 9.55 10.27 11.00 11.75 12.86 13.31 14.13 14.96 15.80 17.11 17.55 18.46 19.38 20.34 21.90 22.35 23.40 24.49 25.62 27.48
26 3.05 3.89 4.84 5.61 6.41 7.20 7.98 8.93 9.64 10.38 11.14 11.93 12.87 13.58 14.44 15.32 16.22 17.27 18.08 19.05 20.05 21.08 22.15 23.25 24.39 25.57 26.79 28.06
27 3.07 3.91 4.85 5.64 6.45 7.24 8.04 8.94 9.73 10.51 11.31 12.15 12.88 13.91 14.82 15.75 16.71 17.69 18.70 19.74 20.82 21.94 23.09 24.29 25.52 26.81 28.13 29.50
28 3.08 3.92 4.86 5.66 6.48 7.30 8.12 8.95 9.86 10.68 11.54 12.44 12.89 14.31 15.27 16.27 17.29 18.35 19.43 20.56 21.73 22.93 24.19 25.48 26.83 28.22 29.66 31.14
29 3.08 3.93 4.87 5.70 6.54 7.38 8.23 8.96 10.04 10.92 11.85 12.80 12.90 14.79 15.82 16.89 17.99 19.12 20.30 21.52 22.78 24.10 25.46 26.87 28.33 29.83 31.39 32.99
30 3.09 3.96 4.88 5.76 6.64 7.52 8.41 8.97 10.30 11.25 12.24 13.26 13.27 15.38 16.49 17.63 18.82 20.05 21.32 22.65 24.02 25.45 26.93 28.46 30.04 31.68 33.36 35.08
31 3.13 4.01 4.89 5.88 6.79 7.71 8.66 8.98 10.66 11.68 12.74 13.82 13.83 16.10 17.29 18.53 19.81 21.15 22.53 23.97 25.47 27.02 28.62 30.29 32.00 33.77 35.58 37.45
32 3.19 4.11 4.90 6.05 7.01 7.99 8.99 9.00 11.13 12.22 13.34 14.51 14.52 16.95 18.25 19.59 20.98 22.43 23.94 25.51 27.13 28.82 30.57 32.37 34.23 36.13 38.09 40.10
33 3.28 4.25 4.91 6.28 7.30 8.34 9.42 9.45 11.69 12.86 14.07 15.32 15.33 17.96 19.37 20.82 22.34 23.92 25.56 27.27 29.04 30.87 32.76 34.71 36.72 38.77 40.89 43.06
34 3.41 4.42 4.92 6.57 7.66 8.77 9.92 9.93 12.35 13.61 14.90 16.25 16.26 19.12 20.65 22.23 23.89 25.61 27.40 29.25 31.18 33.17 35.21 37.32 39.48 41.71 43.99 46.33
35 3.56 4.63 5.83 6.92 8.08 9.27 10.50 11.97 13.10 14.45 15.86 17.32 19.16 20.44 22.10 23.83 25.63 27.96 29.46 31.47 33.56 35.72 38.54 40.20 42.54 44.94 47.41 50.74
36 3.73 4.87 6.05 7.32 8.56 9.84 11.15 12.51 13.95 15.41 16.93 18.52 20.18 21.92 23.73 25.62 27.59 29.63 31.75 33.94 36.20 38.53 40.92 43.38 45.90 48.50 51.17 53.92
37 3.94 5.16 6.42 7.77 9.10 10.47 11.88 13.35 14.90 16.48 18.14 19.88 21.69 23.59 25.56 27.62 29.77 31.99 34.29 36.67 39.11 41.62 44.21 46.87 49.60 52.41 55.30 58.25
38 4.17 5.48 6.83 8.28 9.70 11.17 12.70 14.28 15.96 17.69 19.50 21.40 23.38 25.45 27.61 29.85 32.19 34.60 37.10 39.66 42.30 45.02 47.82 50.69 53.66 56.70 59.81 63.00
39 4.45 5.85 7.29 8.84 10.37 11.95 13.60 15.33 17.16 19.05 21.02 23.10 25.26 27.52 29.88 32.32 34.86 37.48 40.18 42.95 45.81 48.75 51.78 54.89 58.10 61.38 64.73 68.18
40 4.75 6.24 7.78 9.44 11.09 12.81 14.60 16.49 18.49 20.55 22.71 24.98 27.35 29.81 32.38 35.04 37.79 40.62 43.54 46.54 49.63 52.82 56.10 59.47 62.93 66.47 70.10 73.83
41 5.03 6.63 8.28 10.08 11.87 13.74 15.70 17.76 19.95 22.21 24.58 27.05 29.64 32.33 35.12 38.00 40.97 44.04 47.19 50.44 53.80 57.25 60.80 64.44 68.17 72.01 75.94 79.99
42 5.34 7.06 8.85 10.79 12.74 14.79 16.94 19.20 21.59 24.07 26.66 29.37 32.18 35.11 38.14 41.26 44.47 47.79 51.21 54.73 58.37 62.11 65.94 69.88 73.92 78.07 82.34 86.71
43 5.70 7.56 9.52 11.63 13.77 16.02 18.38 20.85 23.47 26.18 29.01 31.97 35.03 38.21 41.48 44.86 48.34 51.93 55.64 59.47 63.41 67.44 71.59 75.85 80.23 84.73 89.35 94.08
44 6.13 8.17 10.31 12.62 14.97 17.44 20.02 22.74 25.61 28.57 31.66 34.87 38.19 41.63 45.17 48.83 52.60 56.50 60.53 64.67 68.93 73.29 77.78 82.41 87.16 92.03 97.03 102.14
45 6.65 8.88 11.40 13.76 16.34 19.05 21.88 25.19 27.99 31.22 34.58 38.07 42.08 45.38 49.22 53.18 57.28 61.92 65.87 70.35 74.95 79.69 84.85 89.58 94.73 100.01 105.41 111.29
46 7.24 9.69 12.26 15.05 17.88 20.84 23.95 27.20 30.62 34.14 37.78 41.55 45.44 49.47 53.63 57.93 62.38 66.97 71.69 76.54 81.53 86.67 91.96 97.40 102.98 108.69 114.50 -
47 7.90 10.59 13.42 16.48 19.58 22.83 26.22 29.76 33.49 37.30 41.25 45.33 49.54 53.91 58.42 63.10 67.93 72.89 78.00 83.26 88.68 94.26 100.01 105.91 111.94 118.09 - -
48 8.64 11.59 14.70 18.05 21.44 24.99 28.70 32.55 36.59 40.72 44.98 49.40 53.97 58.71 63.63 68.70 73.93 79.30 84.85 90.56 96.46 102.52 108.75 115.13 121.64 - - -
49 9.45 12.69 16.09 19.76 23.47 27.34 31.37 35.55 39.93 44.39 49.01 53.80 58.77 63.92 69.26 74.75 80.41 86.25 92.28 98.50 104.90 111.49 118.24 125.13 - - - -
50 10.33 13.89 17.60 21.61 25.66 29.87 34.24 38.76 43.49 48.32 53.33 58.54 63.95 69.55 75.33 81.28 87.43 93.79 100.35 107.12 114.07 121.21 128.50 - - - - -
51 11.29 15.17 19.24 23.61 28.01 32.57 37.29 42.17 47.31 52.54 58.00 63.67 69.55 75.62 81.88 88.36 95.05 101.98 109.12 116.48 124.03 131.75 - - - - - -
52 12.31 16.56 20.99 25.74 30.51 35.44 40.54 45.83 51.40 57.10 63.04 69.21 75.58 82.17 88.98 96.04 103.35 110.89 118.66 126.65 134.82 - - - - - - -
53 13.42 18.04 22.85 28.00 33.15 38.47 44.00 49.74 55.81 62.03 68.49 75.18 82.10 89.27 96.71 104.42 112.38 120.60 129.05 137.70 - - - - - - - -
54 14.60 19.62 24.82 30.37 35.94 41.71 47.72 53.98 60.59 67.37 74.38 81.66 89.20 97.03 105.15 113.56 122.25 131.19 140.35 - - - - - - - - -
55 15.85 21.26 27.09 32.88 38.91 45.19 51.74 58.99 65.79 73.15 80.78 88.71 96.99 105.52 114.40 123.58 133.03 141.99 - - - - - - - - - -
56 17.12 22.95 29.01 35.53 42.10 48.96 56.13 63.60 71.42 79.43 87.77 96.44 105.47 114.84 124.54 134.55 144.83 - - - - - - - - - - -
57 18.39 24.71 31.30 38.40 45.59 53.11 60.94 69.07 77.59 86.34 95.47 104.98 114.87 125.12 135.71 146.53 - - - - - - - - - - - -
58 19.82 26.71 33.92 41.69 49.59 57.80 66.33 75.19 84.50 94.10 104.12 114.55 125.36 136.49 147.94 - - - - - - - - - - - - -
59 21.55 29.10 37.02 45.55 54.19 63.14 72.44 82.13 92.35 102.88 113.84 125.21 136.99 149.11 - - - - - - - - - - - - - -
60 23.58 31.88 40.59 49.93 59.34 69.10 79.29 89.89 101.07 112.61 124.63 137.07 149.91 - - - - - - - - - - - - - - -
61 25.90 35.05 44.58 54.74 64.97 75.64 86.80 98.49 110.77 123.45 136.61 150.21 - - - - - - - - - - - - - - - -
62 28.51 38.52 48.86 59.90 71.12 82.86 95.17 108.05 121.55 135.46 149.86 - - - - - - - - - - - - - - - - -
63 31.30 42.13 53.41 65.54 77.91 90.88 104.46 118.65 133.48 148.72 - - - - - - - - - - - - - - - - - -
64 34.09 45.91 58.35 71.74 85.43 99.78 114.78 130.39 146.65 - - - - - - - - - - - - - - - - - - -
65 36.90 50.00 64.74 78.64 93.82 109.70 126.23 144.99 - - - - - - - - - - - - - - - - - - - -

Coverage Premium Rates for Joint Life and Sum Assured Band 1: The Coverage Premium rates per 000 Coverage are provided in following table.
Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 6.75 8.65 10.54 12.42 14.27 16.11 17.94 19.74 21.52 23.29 25.03 26.75 28.45 30.13 31.79 33.44 35.08 36.70 38.32 39.93 41.53 43.14 44.74 46.34 47.94 49.54 51.15 52.76
19 6.81 8.73 10.64 12.53 14.39 16.25 18.08 19.89 21.68 23.45 25.20 26.93 28.63 30.32 32.00 33.66 35.31 36.96 38.59 40.23 41.86 43.50 45.13 46.76 48.39 50.03 51.68 53.33
20 6.86 8.80 10.72 12.62 14.50 16.36 18.21 20.03 21.82 23.60 25.35 27.09 28.80 30.50 32.19 33.87 35.54 37.21 38.88 40.54 42.20 43.87 45.53 47.20 48.88 50.56 52.25 53.96
21 6.91 8.86 10.80 12.71 14.60 16.47 18.32 20.14 21.95 23.73 25.49 27.23 28.96 30.68 32.38 34.09 35.78 37.48 39.17 40.87 42.57 44.27 45.97 47.68 49.40 51.13 52.88 54.64
22 6.95 8.92 10.87 12.79 14.69 16.56 18.41 20.24 22.05 23.84 25.61 27.37 29.11 30.85 32.58 34.31 36.03 37.76 39.49 41.22 42.96 44.70 46.45 48.21 49.98 51.77 53.57 55.39
23 6.99 8.97 10.93 12.85 14.76 16.64 18.50 20.33 22.15 23.94 25.73 27.50 29.27 31.03 32.79 34.55 36.31 38.07 39.84 41.61 43.39 45.18 46.98 48.80 50.63 52.47 54.34 56.23
24 7.03 9.02 10.98 12.91 14.82 16.70 18.57 20.41 22.23 24.05 25.85 27.64 29.44 31.23 33.02 34.82 36.62 38.42 40.23 42.05 43.88 45.72 47.58 49.46 51.35 53.27 55.21 57.17
25 7.06 9.05 11.02 12.95 14.86 16.75 18.62 20.48 22.32 24.15 25.98 27.80 29.63 31.45 33.28 35.12 36.96 38.81 40.67 42.55 44.43 46.34 48.26 50.21 52.18 54.17 56.19 58.24
26 7.08 9.08 11.04 12.98 14.90 16.80 18.68 20.55 22.41 24.27 26.13 27.98 29.85 31.71 33.59 35.47 37.37 39.27 41.18 43.12 45.07 47.04 49.04 51.07 53.12 55.20 57.30 59.44
27 7.09 9.09 11.06 13.01 14.93 16.84 18.74 20.64 22.53 24.42 26.31 28.21 30.12 32.03 33.96 35.89 37.84 39.80 41.78 43.78 45.81 47.86 49.95 52.06 54.20 56.37 58.57 60.80
28 7.10 9.10 11.08 13.03 14.97 16.91 18.83 20.76 22.68 24.61 26.55 28.49 30.45 32.42 34.40 36.39 38.40 40.43 42.49 44.57 46.68 48.82 50.99 53.20 55.44 57.71 60.01 62.34
29 7.11 9.12 11.10 13.07 15.04 17.00 18.96 20.92 22.88 24.86 26.85 28.85 30.86 32.88 34.93 36.99 39.07 41.18 43.32 45.49 47.69 49.93 52.20 54.51 56.86 59.24 61.65 64.09
30 7.12 9.14 11.15 13.15 15.14 17.14 19.13 21.14 23.16 25.19 27.23 29.29 31.37 33.46 35.57 37.71 39.87 42.07 44.30 46.57 48.88 51.22 53.61 56.03 58.49 60.99 63.51 66.07
31 7.15 9.20 11.23 13.26 15.30 17.34 19.38 21.45 23.52 25.61 27.72 29.84 31.99 34.15 36.35 38.57 40.83 43.13 45.47 47.85 50.27 52.73 55.23 57.78 60.36 62.98 65.62 68.30
32 7.21 9.29 11.36 13.44 15.52 17.61 19.72 21.84 23.98 26.14 28.31 30.51 32.74 34.99 37.28 39.60 41.97 44.37 46.83 49.32 51.87 54.46 57.09 59.76 62.47 65.22 68.00 70.81
33 7.31 9.43 11.55 13.67 15.81 17.96 20.13 22.33 24.54 26.77 29.02 31.30 33.62 35.97 38.36 40.80 43.28 45.81 48.39 51.02 53.69 56.42 59.19 62.00 64.85 67.73 70.65 73.61
34 7.43 9.60 11.77 13.96 16.16 18.38 20.63 22.89 25.18 27.49 29.83 32.21 34.63 37.09 39.60 42.16 44.77 47.44 50.16 52.93 55.75 58.62 61.53 64.49 67.48 70.52 73.59 76.71
35 7.58 9.80 12.04 14.29 16.57 18.87 21.19 23.54 25.91 28.32 30.76 33.25 35.78 38.37 41.01 43.71 46.46 49.27 52.14 55.06 58.04 61.06 64.13 67.24 70.40 73.59 76.84 80.13
36 7.75 10.04 12.35 14.69 17.04 19.42 21.83 24.26 26.73 29.25 31.81 34.42 37.09 39.81 42.60 45.44 48.35 51.32 54.35 57.44 60.58 63.76 66.99 70.27 73.60 76.98 80.41 83.89
37 7.95 10.32 12.71 15.13 17.57 20.04 22.54 25.08 27.66 30.30 32.99 35.74 38.55 41.43 44.37 47.38 50.46 53.60 56.80 60.06 63.37 66.73 70.14 73.61 77.13 80.71 84.33 88.00
38 8.18 10.64 13.12 15.62 18.16 20.72 23.33 25.99 28.70 31.48 34.31 37.22 40.19 43.23 46.35 49.54 52.80 56.12 59.50 62.94 66.44 69.99 73.60 77.27 81.00 84.78 88.62 92.49
39 8.46 11.00 13.57 16.17 18.81 21.49 24.22 27.01 29.87 32.80 35.80 38.87 42.02 45.25 48.55 51.93 55.38 58.90 62.47 66.11 69.80 73.56 77.39 81.28 85.23 89.24 93.29 97.40
40 8.74 11.38 14.05 16.76 19.51 22.32 25.20 28.14 31.17 34.26 37.44 40.70 44.05 47.47 50.98 54.56 58.21 61.93 65.71 69.56 73.48 77.47 81.53 85.66 89.84 94.08 98.38 102.75
41 9.02 11.76 14.54 17.38 20.27 23.23 26.27 29.39 32.59 35.88 39.26 42.72 46.27 49.91 53.63 57.43 61.30 65.23 69.24 73.32 77.48 81.72 86.03 90.41 94.85 99.35 103.93 108.58
42 9.32 12.18 15.10 18.08 21.13 24.27 27.49 30.80 34.20 37.69 41.29 44.97 48.75 52.61 56.56 60.58 64.68 68.85 73.11 77.45 81.88 86.38 90.96 95.60 100.32 105.12 109.99 114.94
43 9.68 12.68 15.75 18.91 22.14 25.47 28.89 32.41 36.03 39.75 43.58 47.50 51.52 55.62 59.80 64.07 68.42 72.86 77.39 82.01 86.72 91.50 96.36 101.31 106.34 111.45 116.65 121.92
44 10.11 13.28 16.53 19.88 23.31 26.85 30.50 34.25 38.11 42.08 46.15 50.32 54.59 58.94 63.38 67.92 72.55 77.27 82.10 87.02 92.03 97.12 102.30 107.57 112.94 118.40 123.94 129.56
45 10.61 13.97 17.43 20.99 24.65 28.42 32.31 36.31 40.43 44.66 49.00 53.43 57.96 62.59 67.31 72.14 77.07 82.11 87.26 92.50 97.82 103.25 108.79 114.42 120.16 125.99 131.91 137.89
46 11.19 14.76 18.44 22.25 26.15 30.18 34.33 38.60 42.99 47.50 52.11 56.82 61.64 66.56 71.59 76.74 82.01 87.39 92.87 98.45 104.14 109.95 115.87 121.90 128.03 134.26 140.56 145.89
47 11.84 15.65 19.58 23.65 27.82 32.12 36.55 41.10 45.79 50.59 55.49 60.50 65.62 70.87 76.25 81.75 87.38 93.11 98.96 104.92 111.02 117.23 123.57 130.03 136.59 143.23 148.87 153.82
48 12.57 16.64 20.83 25.18 29.64 34.23 38.96 43.83 48.82 53.91 59.12 64.46 69.93 75.54 81.30 87.18 93.18 99.31 105.56 111.96 118.49 125.15 131.95 138.87 145.86 151.83 157.06 161.66
49 13.36 17.71 22.20 26.86 31.62 36.53 41.58 46.75 52.06 57.48 63.04 68.74 74.60 80.61 86.76 93.04 99.46 106.02 112.73 119.59 126.61 133.77 141.05 148.43 154.74 160.27 165.13 169.40
50 14.23 18.88 23.68 28.67 33.76 39.00 44.38 49.88 55.54 61.32 67.26 73.36 79.64 86.07 92.65 99.37 106.25 113.30 120.51 127.89 135.43 143.11 150.89 157.58 163.42 168.55 173.05 177.01
51 15.17 20.15 25.28 30.63 36.06 41.64 47.35 53.21 59.26 65.44 71.81 78.36 85.09 91.97 99.01 106.22 113.62 121.21 128.97 136.92 145.01 153.23 160.30 166.47 171.89 176.63 180.80 184.46
52 16.18 21.51 27.00 32.72 38.50 44.43 50.52 56.78 63.25 69.89 76.72 83.76 90.95 98.33 105.90 113.67 121.64 129.82 138.18 146.72 155.39 162.88 169.41 175.11 180.12 184.50 188.35 191.73
53 17.26 22.97 28.83 34.93 41.08 47.40 53.91 60.62 67.56 74.70 82.04 89.57 97.30 105.23 113.39 121.78 130.39 139.20 148.21 157.37 165.29 172.18 178.20 183.47 188.08 192.12 195.67 198.78
54 18.43 24.52 30.76 37.25 43.81 50.57 57.55 64.76 72.24 79.91 87.79 95.88 104.20 112.77 121.58 130.64 139.94 149.44 159.11 167.49 174.78 181.12 186.66 191.51 195.75 199.47 202.73 205.60
55 19.66 26.13 32.77 39.70 46.72 53.98 61.49 69.27 77.32 85.56 94.02 102.75 111.74 121.01 130.55 140.35 150.38 160.60 169.47 177.16 183.84 189.67 194.75 199.19 203.09 206.50 209.49 212.12
56 20.90 27.78 34.87 42.31 49.86 57.68 65.79 74.17 82.83 91.69 100.83 110.28 120.02 130.07 140.40 150.99 161.79 171.18 179.29 186.33 192.44 197.77 202.42 206.49 210.05 213.17 215.91 218.31
57 22.15 29.51 37.12 45.13 53.29 61.75 70.51 79.52 88.85 98.43 108.34 118.59 129.17 140.07 151.24 162.66 172.59 181.15 188.55 194.96 200.54 205.39 209.63 213.34 216.59 219.43 221.93 224.12
58 23.56 31.48 39.70 48.37 57.21 66.36 75.78 85.50 95.61 106.01 116.78 127.92 139.41 151.21 163.29 173.79 182.81 190.57 197.29 203.11 208.18 212.59 216.44 219.80 222.75 225.33 227.60 229.59
59 25.26 33.83 42.74 52.16 61.72 71.58 81.76 92.30 103.28 114.60 126.33 138.44 150.90 163.67 174.78 184.27 192.41 199.43 205.50 210.76 215.34 219.32 222.80 225.84 228.50 230.84 232.89 234.69
60 27.26 36.57 46.26 56.45 66.77 77.42 88.46 99.94 111.91 124.25 137.02 150.18 163.68 175.41 185.39 193.92 201.23 207.54 213.00 217.72 221.83 225.41 228.54 231.27 233.66 235.76 237.60 239.22
61 29.54 39.68 50.17 61.18 72.33 83.90 95.94 108.47 121.54 135.00 148.90 163.18 175.56 186.04 194.95 202.56 209.08 214.71 219.58 223.80 227.46 230.66 233.44 235.88 238.02 239.90 241.54 242.98
62 32.11 43.09 54.40 66.32 78.45 91.09 104.26 117.97 132.24 146.91 162.01 175.08 186.06 195.34 203.22 209.95 215.74 220.72 225.03 228.76 232.01 234.83 237.30 239.46 241.36 243.01 244.47 245.75
63 34.87 46.69 58.93 71.93 85.21 99.07 113.50 128.50 144.08 160.05 173.81 185.30 194.93 203.06 209.97 215.88 220.95 225.32 229.10 232.37 235.21 237.70 238.70 241.76 243.42 244.87 246.15 246.25
64 37.66 50.46 63.86 78.11 92.71 107.93 123.76 140.17 157.15 171.61 183.59 193.55 201.90 208.95 214.94 220.06 224.46 228.24 231.52 234.35 236.82 238.98 239.00 242.50 243.93 245.19 246.30 247.27
65 40.47 54.55 69.30 85.00 101.07 117.80 135.15 153.07 168.32 180.78 191.02 199.53 206.67 212.70 217.82 222.20 225.95 229.19 231.98 234.41 236.83 238.99 239.96 242.51 243.94 245.20 246.31 247.28

Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 4.03 5.16 6.28 7.40 8.50 9.60 10.68 11.76 12.82 13.87 14.90 15.92 16.92 17.91 18.88 19.85 20.81 21.76 22.71 23.66 24.61 25.56 26.52 27.48 28.44 29.42 30.40 31.39
19 4.09 5.24 6.37 7.51 8.62 9.73 10.82 11.91 12.98 14.03 15.07 16.09 17.10 18.10 19.09 20.07 21.05 22.02 22.99 23.97 24.95 25.93 26.91 27.91 28.91 29.92 30.94 31.98
20 4.15 5.31 6.46 7.61 8.73 9.85 10.95 12.04 13.12 14.18 15.22 16.25 17.27 18.28 19.29 20.29 21.28 22.28 23.28 24.28 25.29 26.31 27.33 28.36 29.40 30.46 31.53 32.62
21 4.20 5.37 6.53 7.69 8.83 9.95 11.06 12.16 13.24 14.31 15.36 16.40 17.43 18.46 19.48 20.50 21.52 22.55 23.58 24.62 25.66 26.71 27.78 28.85 29.94 31.05 32.17 33.32
22 4.24 5.43 6.60 7.77 8.92 10.05 11.16 12.26 13.35 14.42 15.48 16.54 17.59 18.63 19.68 20.72 21.78 22.84 23.90 24.98 26.06 27.16 28.27 29.39 30.53 31.70 32.88 34.09
23 4.28 5.48 6.66 7.84 8.99 10.12 11.24 12.35 13.44 14.53 15.60 16.67 17.74 18.81 19.89 20.97 22.06 23.15 24.26 25.38 26.50 27.65 28.81 29.99 31.19 32.42 33.68 34.96
24 4.32 5.52 6.71 7.90 9.05 10.19 11.31 12.43 13.53 14.63 15.72 16.82 17.91 19.01 20.12 21.24 22.37 23.51 24.66 25.82 27.00 28.20 29.42 30.67 31.94 33.24 34.57 35.93
25 4.35 5.56 6.75 7.94 9.10 10.24 11.37 12.50 13.62 14.74 15.85 16.98 18.10 19.24 20.39 21.55 22.72 23.91 25.11 26.33 27.57 28.83 30.12 31.44 32.79 34.17 35.58 37.03
26 4.37 5.58 6.78 7.97 9.13 10.28 11.43 12.57 13.71 14.86 16.00 17.16 18.33 19.51 20.70 21.91 23.13 24.37 25.63 26.91 28.21 29.55 30.92 32.32 33.75 35.22 36.72 38.27
27 4.38 5.60 6.80 8.00 9.17 10.33 11.49 12.66 13.83 15.00 16.19 17.39 18.60 19.83 21.07 22.33 23.61 24.91 26.23 27.59 28.97 30.39 31.84 33.33 34.86 36.42 38.03 39.67
28 4.39 5.61 6.82 8.02 9.21 10.39 11.58 12.78 13.98 15.20 16.43 17.67 18.94 20.22 21.52 22.83 24.18 25.55 26.95 28.38 29.85 31.36 32.91 34.50 36.12 37.80 39.51 41.26
29 4.40 5.62 6.84 8.06 9.27 10.48 11.71 12.94 14.19 15.45 16.73 18.03 19.35 20.69 22.05 23.44 24.86 26.31 27.79 29.32 30.88 32.49 34.15 35.84 37.58 39.37 41.20 43.06
30 4.41 5.65 6.89 8.13 9.37 10.62 11.89 13.16 14.46 15.78 17.12 18.48 19.86 21.27 22.70 24.17 25.67 27.21 28.80 30.42 32.10 33.81 35.58 37.40 39.26 41.16 43.11 45.10
31 4.44 5.70 6.97 8.25 9.53 10.82 12.14 13.47 14.83 16.21 17.61 19.04 20.49 21.97 23.49 25.05 26.65 28.29 29.98 31.72 33.51 35.35 37.24 39.18 41.17 43.20 45.28 47.39
32 4.50 5.80 7.10 8.43 9.75 11.10 12.47 13.87 15.29 16.74 18.21 19.71 21.24 22.82 24.43 26.09 27.79 29.55 31.36 33.22 35.14 37.11 39.13 41.21 43.33 45.50 47.71 49.97
33 4.60 5.94 7.28 8.66 10.04 11.45 12.89 14.36 15.85 17.37 18.92 20.51 22.13 23.81 25.53 27.30 29.12 31.00 32.94 34.94 37.00 39.11 41.28 43.50 45.76 48.08 50.44 52.85
34 4.72 6.11 7.51 8.95 10.40 11.88 13.39 14.92 16.50 18.10 19.74 21.42 23.16 24.94 26.78 28.68 30.64 32.66 34.74 36.88 39.09 41.35 43.67 46.04 48.46 50.93 53.46 56.04
35 4.87 6.31 7.78 9.29 10.81 12.37 13.95 15.57 17.23 18.93 20.67 22.47 24.32 26.23 28.20 30.24 32.35 34.52 36.75 39.05 41.42 43.84 46.32 48.85 51.44 54.08 56.79 59.55
36 5.04 6.55 8.09 9.68 11.29 12.92 14.59 16.31 18.06 19.87 21.73 23.65 25.64 27.69 29.81 32.00 34.26 36.59 39.00 41.47 44.00 46.59 49.24 51.95 54.72 57.55 60.45 63.41
37 5.24 6.83 8.46 10.13 11.82 13.54 15.31 17.13 19.00 20.93 22.92 24.98 27.11 29.32 31.60 33.96 36.39 38.90 41.49 44.13 46.84 49.61 52.45 55.35 58.32 61.36 64.47 67.64
38 5.48 7.15 8.87 10.63 12.41 14.23 16.11 18.04 20.05 22.11 24.25 26.47 28.77 31.15 33.60 36.14 38.77 41.46 44.23 47.06 49.96 52.93 55.97 59.09 62.28 65.54 68.86 72.25
39 5.75 7.52 9.32 11.19 13.07 15.00 17.00 19.07 21.22 23.45 25.75 28.14 30.62 33.18 35.83 38.57 41.39 44.28 47.24 50.28 53.39 56.57 59.84 63.19 66.61 70.10 73.66 77.29
40 6.04 7.90 9.80 11.78 13.78 15.84 17.99 20.21 22.53 24.92 27.41 29.99 32.66 35.43 38.28 41.23 44.25 47.35 50.53 53.79 57.13 60.55 64.06 67.65 71.32 75.06 78.88 82.79
41 6.32 8.28 10.29 12.40 14.54 16.76 19.07 21.47 23.97 26.55 29.24 32.02 34.91 37.89 40.97 44.13 47.37 50.70 54.11 57.61 61.20 64.88 68.66 72.51 76.44 80.45 84.56 88.77
42 6.62 8.70 10.85 13.11 15.41 17.80 20.29 22.88 25.58 28.38 31.28 34.29 37.41 40.62 43.93 47.32 50.80 54.37 58.04 61.80 65.67 69.63 73.68 77.81 82.03 86.36 90.78 95.31
43 6.98 9.20 11.51 13.94 16.42 19.01 21.70 24.51 27.43 30.46 33.60 36.85 40.20 43.66 47.21 50.85 54.59 58.43 62.38 66.44 70.59 74.84 79.19 83.63 88.18 92.85 97.62 102.49
44 7.41 9.80 12.29 14.92 17.60 20.40 23.32 26.36 29.53 32.80 36.19 39.70 43.31 47.02 50.83 54.74 58.77 62.90 67.16 71.53 75.99 80.56 85.23 90.02 94.94 99.97 105.10 110.34
45 7.91 10.50 13.19 16.04 18.95 21.99 25.15 28.44 31.87 35.40 39.06 42.83 46.71 50.70 54.79 59.01 63.35 67.81 72.40 77.09 81.88 86.80 91.85 97.02 102.33 107.74 113.26 118.87
46 8.49 11.29 14.21 17.30 20.46 23.75 27.18 30.74 34.45 38.27 42.20 46.25 50.42 54.71 59.12 63.67 68.35 73.16 78.09 83.13 88.31 93.62 99.07 104.66 110.38 116.20 122.13 127.46
47 9.15 12.19 15.35 18.71 22.14 25.70 29.41 33.26 37.27 41.38 45.61 49.96 54.44 59.06 63.82 68.74 73.79 78.96 84.26 89.70 95.30 101.04 106.94 112.97 119.12 125.38 131.02 135.96
48 9.88 13.17 16.61 20.25 23.97 27.83 31.84 36.00 40.32 44.73 49.27 53.96 58.79 63.78 68.93 74.23 79.66 85.23 90.96 96.85 102.90 109.12 115.48 121.98 128.59 134.55 139.79 144.39
49 10.67 14.25 17.98 21.94 25.96 30.14 34.47 38.95 43.59 48.33 53.22 58.27 63.50 68.89 74.45 80.15 86.01 92.03 98.23 104.61 111.16 117.88 124.74 131.73 138.04 143.58 148.43 152.70
50 11.54 15.43 19.47 23.76 28.12 32.63 37.29 42.10 47.09 52.19 57.47 62.93 68.58 74.41 80.40 86.55 92.89 99.42 106.14 113.05 120.13 127.38 134.77 141.45 147.30 152.43 156.93 160.88
51 12.48 16.69 21.07 25.72 30.43 35.28 40.29 45.45 50.83 56.34 62.05 67.97 74.08 80.36 86.83 93.49 100.36 107.44 114.73 122.21 129.87 137.68 144.75 150.93 156.34 161.09 165.25 168.91
52 13.50 18.06 22.80 27.82 32.88 38.10 43.48 49.04 54.86 60.82 67.01 73.41 80.00 86.79 93.79 101.02 108.48 116.17 124.07 132.16 140.43 147.91 154.44 160.15 165.15 169.53 173.38 176.76
53 14.58 19.52 24.64 30.04 35.47 41.08 46.88 52.90 59.19 65.66 72.37 79.28 86.40 93.76 101.37 109.23 117.34 125.68 134.23 142.97 150.89 157.79 163.81 169.08 173.69 177.73 181.28 184.39
54 15.75 21.08 26.57 32.37 38.22 44.26 50.54 57.06 63.90 70.91 78.16 85.63 93.36 101.37 109.65 118.20 127.01 136.05 145.30 153.68 160.97 167.31 172.85 177.69 181.93 185.65 188.92 191.78
55 16.98 22.69 28.58 34.83 41.14 47.69 54.50 61.59 69.01 76.59 84.43 92.56 100.98 109.70 118.72 128.02 137.58 147.36 156.23 163.92 170.61 176.43 181.51 185.96 189.85 193.26 196.26 198.89
56 18.23 24.35 30.69 37.45 44.28 51.40 58.82 66.52 74.55 82.77 91.30 100.15 109.34 118.85 128.67 138.78 149.13 158.52 166.63 173.67 179.78 185.11 189.76 193.83 197.39 200.51 203.25 205.65
57 19.48 26.08 32.95 40.28 47.72 55.49 63.55 71.90 80.61 89.56 98.86 108.54 118.57 128.94 139.62 150.59 160.52 169.07 176.47 182.88 188.46 193.32 197.56 201.26 204.51 207.36 209.85 212.05
58 20.89 28.05 35.53 43.52 51.65 60.11 68.85 77.92 87.40 97.18 107.36 117.94 128.89 140.19 151.80 162.30 171.31 179.08 185.79 191.62 196.68 201.09 204.94 208.31 211.26 213.83 216.11 218.10
59 22.59 30.41 38.59 47.32 56.18 65.35 74.86 84.74 95.12 105.83 116.98 128.54 140.49 152.77 163.87 173.36 181.51 188.53 194.59 199.86 204.43 208.42 211.90 214.94 217.60 219.93 221.98 223.79
60 24.59 33.15 42.11 51.63 61.25 71.22 81.59 92.42 103.80 115.54 127.75 140.37 153.38 165.10 175.08 183.61 190.93 197.23 202.68 207.41 211.52 215.10 218.22 220.96 223.35 225.45 227.29 228.91
61 26.88 36.27 46.03 56.37 66.83 77.72 89.11 101.00 113.48 126.36 139.71 153.47 165.85 176.32 185.23 192.84 199.36 204.99 209.86 214.08 217.75 220.94 223.73 226.17 228.30 230.18 231.82 233.26
62 29.45 39.69 50.27 61.53 72.97 84.94 97.46 110.55 124.24 138.35 152.92 165.96 176.94 186.22 194.10 200.83 206.62 211.60 215.91 219.64 222.89 225.72 228.18 230.35 232.24 233.90 235.35 236.63
63 32.22 43.29 54.81 67.16 79.75 92.94 106.74 121.13 136.15 151.57 165.29 176.78 186.41 194.55 201.46 207.37 212.44 216.81 220.58 223.86 226.70 229.18 231.35 233.24 234.90 236.36 237.63 238.75
64 35.01 47.08 59.75 73.35 87.27 101.84 117.04 132.85 149.29 163.70 175.69 185.65 194.00 201.04 207.04 212.16 216.55 220.34 223.61 226.45 228.92 231.07 232.67 234.59 236.03 237.29 238.39 239.37
65 37.82 51.16 67.00 80.25 95.66 111.74 128.48 145.83 161.03 173.49 183.74 192.25 199.38 205.41 210.53 214.91 218.67 221.90 224.70 227.13 229.24 231.08 232.68 234.60 236.04 237.30 238.40 239.38

Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 3.14 4.00 4.86 5.76 6.61 7.44 8.28 9.10 9.94 10.74 11.53 12.31 13.08 13.83 14.58 15.32 16.05 16.78 17.51 18.24 18.97 19.71 20.45 21.19 21.95 22.71 23.48 24.27
19 3.20 4.08 4.96 5.87 6.73 7.58 8.42 9.26 10.11 10.91 11.71 12.49 13.26 14.03 14.79 15.54 16.29 17.04 17.79 18.55 19.31 20.07 20.84 21.62 22.41 23.22 24.03 24.86
20 3.25 4.15 5.04 5.97 6.84 7.70 8.55 9.40 10.25 11.06 11.86 12.65 13.43 14.21 14.98 15.76 16.53 17.30 18.08 18.86 19.66 20.46 21.26 22.08 22.91 23.76 24.62 25.51
21 3.30 4.21 5.12 6.06 6.94 7.81 8.67 9.52 10.38 11.19 12.00 12.80 13.59 14.39 15.18 15.97 16.77 17.57 18.38 19.20 20.03 20.86 21.71 22.58 23.45 24.35 25.27 26.21
22 3.35 4.27 5.19 6.14 7.03 7.90 8.77 9.62 10.49 11.31 12.12 12.93 13.75 14.56 15.38 16.20 17.03 17.86 18.71 19.56 20.43 21.31 22.20 23.12 24.05 25.01 25.99 27.00
23 3.39 4.32 5.25 6.21 7.10 7.99 8.85 9.71 10.59 11.41 12.24 13.07 13.90 14.74 15.59 16.44 17.31 18.18 19.06 19.96 20.87 21.80 22.75 23.72 24.72 25.74 26.79 27.87
24 3.42 4.37 5.30 6.27 7.17 8.05 8.92 9.79 10.68 11.52 12.36 13.21 14.07 14.94 15.82 16.72 17.62 18.53 19.46 20.41 21.37 22.36 23.37 24.40 25.47 26.56 27.69 28.85
25 3.45 4.40 5.34 6.31 7.22 8.10 8.98 9.86 10.76 11.62 12.49 13.37 14.27 15.17 16.09 17.03 17.97 18.94 19.92 20.92 21.94 22.99 24.07 25.18 26.32 27.50 28.71 29.96
26 3.47 4.43 5.37 6.34 7.25 8.15 9.04 9.93 10.85 11.74 12.64 13.56 14.49 15.44 16.40 17.39 18.38 19.40 20.44 21.50 22.60 23.72 24.87 26.07 27.29 28.56 29.87 31.21
27 3.49 4.44 5.39 6.37 7.28 8.19 9.10 10.01 10.96 11.88 12.82 13.78 14.76 15.76 16.78 17.81 18.86 19.94 21.05 22.19 23.35 24.56 25.80 27.08 28.41 29.77 31.18 32.63
28 3.50 4.46 5.40 6.39 7.32 8.25 9.18 10.13 11.11 12.07 13.06 14.07 15.10 16.15 17.22 18.32 19.44 20.59 21.77 22.99 24.24 25.54 26.88 28.26 29.69 31.16 32.67 34.23
29 3.50 4.47 5.43 6.43 7.38 8.34 9.31 10.29 11.31 12.32 13.36 14.43 15.52 16.63 17.76 18.93 20.12 21.35 22.62 23.93 25.28 26.68 28.13 29.62 31.16 32.74 34.38 36.05
30 3.51 4.49 5.47 6.50 7.48 8.47 9.48 10.52 11.58 12.65 13.75 14.88 16.03 17.21 18.42 19.66 20.94 22.26 23.63 25.04 26.50 28.01 29.57 31.18 32.84 34.55 36.31 38.10
31 3.55 4.55 5.56 6.61 7.64 8.67 9.74 10.82 11.95 13.08 14.25 15.44 16.66 17.91 19.21 20.54 21.92 23.34 24.82 26.34 27.92 29.55 31.24 32.98 34.77 36.61 38.49 40.42
32 3.61 4.64 5.69 6.79 7.86 8.95 10.07 11.22 12.41 13.61 14.85 16.11 17.42 18.76 20.15 21.58 23.07 24.61 26.20 27.85 29.56 31.33 33.15 35.03 36.95 38.93 40.95 43.02
33 3.70 4.78 5.87 7.02 8.15 9.30 10.49 11.71 12.97 14.25 15.56 16.91 18.31 19.75 21.25 22.80 24.40 26.07 27.80 29.58 31.43 33.34 35.31 37.33 39.40 41.52 43.70 45.93
34 3.82 4.95 6.10 7.31 8.50 9.73 10.99 12.28 13.62 14.98 16.38 17.83 19.34 20.89 22.51 24.19 25.93 27.73 29.60 31.53 33.53 35.60 37.72 39.89 42.12 44.40 46.74 49.15
35 3.97 5.16 6.37 7.64 8.91 10.22 11.56 12.93 14.36 15.81 17.32 18.88 20.50 22.19 23.94 25.75 27.64 29.60 31.62 33.72 35.88 38.10 40.38 42.72 45.12 47.58 50.10 52.69
36 4.15 5.40 6.68 8.04 9.39 10.78 12.20 13.66 15.19 16.76 18.38 20.07 21.82 23.65 25.55 27.52 29.56 31.69 33.88 36.14 38.47 40.87 43.32 45.84 48.42 51.08 53.80 56.59
37 4.35 5.68 7.05 8.49 9.93 11.40 12.92 14.49 16.13 17.81 19.57 21.40 23.30 25.29 27.35 29.49 31.71 34.01 36.38 38.82 41.33 43.91 46.55 49.27 52.05 54.92 57.85 60.85
38 4.58 6.00 7.46 8.99 10.52 12.09 13.72 15.41 17.18 19.01 20.91 22.90 24.97 27.12 29.36 31.68 34.09 36.58 39.14 41.77 44.47 47.25 50.10 53.03 56.04 59.13 62.28 65.50
39 4.85 6.36 7.91 9.54 11.18 12.86 14.61 16.44 18.36 20.34 22.41 24.57 26.82 29.16 31.59 34.11 36.72 39.41 42.17 45.00 47.92 50.91 53.99 57.16 60.40 63.72 67.11 70.59
40 5.14 6.74 8.39 10.14 11.89 13.70 15.60 17.58 19.67 21.82 24.07 26.42 28.87 31.41 34.05 36.78 39.60 42.49 45.47 48.53 51.68 54.91 58.24 61.65 65.15 68.72 72.38 76.13
41 5.43 7.13 8.89 10.76 12.65 14.62 16.68 18.84 21.11 23.46 25.91 28.47 31.13 33.89 36.75 39.70 42.73 45.86 49.07 52.37 55.77 59.27 62.86 66.54 70.30 74.16 78.11 82.17
42 5.72 7.55 9.44 11.47 13.52 15.66 17.91 20.25 22.73 25.29 27.96 30.74 33.63 36.63 39.72 42.90 46.18 49.55 53.02 56.59 60.27 64.05 67.91 71.88 75.94 80.11 84.39 88.78
43 6.08 8.05 10.10 12.30 14.53 16.87 19.32 21.88 24.58 27.37 30.28 33.30 36.44 39.68 43.01 46.44 49.98 53.62 57.38 61.24 65.22 69.29 73.46 77.74 82.14 86.65 91.28 96.01
44 6.51 8.65 10.88 13.28 15.72 18.27 20.94 23.74 26.68 29.72 32.88 36.16 39.55 43.04 46.64 50.35 54.17 58.12 62.18 66.36 70.65 75.04 79.55 84.18 88.94 93.83 98.82 103.93
45 7.02 9.35 11.78 14.40 17.06 19.85 22.77 25.82 29.02 32.33 35.76 39.31 42.97 46.74 50.62 54.64 58.77 63.05 67.44 71.95 76.57 81.32 86.21 91.23 96.38 101.66 107.05 112.54
46 7.60 10.14 12.81 15.66 18.58 21.62 24.81 28.13 31.61 35.20 38.91 42.74 46.69 50.76 54.97 59.31 63.80 68.42 73.16 78.03 83.03 88.18 93.48 98.92 104.49 110.18 115.98 121.31
47 8.25 11.04 13.95 17.07 20.25 23.58 27.04 30.66 34.44 38.32 42.32 46.45 50.72 55.13 59.69 64.40 69.26 74.24 79.36 84.64 90.07 95.65 101.39 107.28 113.29 119.43 125.06 130.02
48 8.98 12.02 15.21 18.62 22.09 25.71 29.48 33.40 37.50 41.68 46.00 50.46 55.08 59.86 64.81 69.91 75.15 80.54 86.10 91.82 97.71 103.77 109.99 116.35 122.83 128.80 134.03 138.63
49 9.78 13.10 16.58 20.30 24.09 28.03 32.12 36.36 40.78 45.29 49.96 54.79 59.80 64.99 70.35 75.86 81.53 87.38 93.41 99.62 106.02 112.58 119.31 126.16 132.48 138.01 142.87 147.14
50 10.65 14.28 18.07 22.13 26.24 30.52 34.94 39.51 44.29 49.16 54.22 59.46 64.90 70.53 76.32 82.29 88.44 94.79 101.35 108.10 115.04 122.14 129.40 136.08 141.93 147.05 151.56 155.51
51 11.59 15.55 19.68 24.09 28.56 33.17 37.94 42.88 48.04 53.32 58.81 64.51 70.41 76.50 82.77 89.25 95.94 102.85 109.98 117.31 124.82 132.50 139.57 145.75 151.16 155.91 160.07 163.73
52 12.60 16.91 21.40 26.19 31.02 35.99 41.14 46.47 52.07 57.81 63.78 69.97 76.35 82.94 89.76 96.81 104.10 111.62 119.36 127.31 135.44 142.92 149.45 155.16 160.16 164.54 168.39 171.77
53 13.69 18.38 23.24 28.42 33.61 38.98 44.55 50.33 56.41 62.66 69.15 75.85 82.77 89.94 97.37 105.05 112.99 121.17 129.58 138.18 146.10 153.00 159.02 164.28 168.89 172.93 176.48 179.59
54 14.86 19.93 25.18 30.75 36.36 42.17 48.21 54.51 61.13 67.92 74.95 82.22 89.76 97.57 105.68 114.06 122.70 131.59 140.69 149.08 156.36 162.71 168.24 173.09 177.33 181.05 184.31 187.18
55 16.09 21.55 27.20 33.22 39.29 45.60 52.18 59.04 66.25 73.61 81.25 89.17 97.39 105.93 114.78 123.91 133.31 142.95 151.82 159.51 166.20 172.02 177.10 181.55 185.44 188.85 191.84 194.47
56 17.34 23.21 29.31 35.83 42.43 49.31 56.50 63.98 71.80 79.80 88.12 96.78 105.78 115.11 124.76 134.71 144.91 154.30 162.41 169.45 175.56 180.89 185.54 189.61 193.17 196.29 199.03 201.43
57 18.59 24.94 31.56 38.66 45.87 53.40 61.24 69.37 77.87 86.61 95.71 105.19 115.03 125.23 135.75 146.56 156.49 165.05 172.44 178.85 184.43 189.29 193.53 197.24 200.48 203.33 205.82 208.02
58 20.00 26.92 34.15 41.91 49.81 58.03 66.55 75.39 84.68 94.25 104.23 114.62 125.39 136.52 147.97 158.47 167.48 175.25 181.96 187.79 192.85 197.26 201.11 204.48 207.43 210.01 212.28 214.27
59 21.71 29.27 37.20 45.71 54.34 63.28 72.57 82.23 92.41 102.91 113.87 125.24 137.02 149.14 160.24 169.73 177.87 184.89 190.96 196.22 200.80 204.78 208.26 211.30 213.96 216.30 218.35 220.15
60 23.70 32.01 40.72 50.02 59.41 69.16 79.31 89.92 101.10 112.64 124.66 137.10 149.94 161.66 171.64 180.17 187.49 193.79 199.24 203.97 208.08 211.66 214.79 217.52 219.91 222.01 223.85 225.47
61 25.99 35.13 44.65 54.77 65.00 75.67 86.83 98.52 110.80 123.48 136.64 150.24 162.61 173.08 181.99 189.60 196.13 201.75 206.62 210.84 214.51 217.70 220.49 222.93 225.06 226.94 228.58 230.02
62 28.57 38.56 48.89 59.93 71.15 82.89 95.20 108.08 121.58 135.49 149.89 162.92 173.90 183.18 191.06 197.79 203.58 208.56 212.87 216.60 219.85 222.68 225.14 227.31 229.20 230.86 232.31 233.59
63 31.33 42.16 53.44 65.57 77.94 90.91 104.49 118.68 133.51 148.75 162.46 173.94 183.58 191.71 198.62 204.53 209.60 213.97 217.74 221.02 223.87 226.34 228.51 230.41 232.06 233.52 234.79 235.91
64 34.12 45.95 58.38 71.77 85.46 99.81 114.81 130.42 146.68 161.07 173.05 183.01 191.36 198.41 204.40 209.52 213.92 217.71 220.98 223.82 226.28 228.44 230.32 231.96 233.39 234.65 235.76 236.73
65 36.94 50.03 65.00 78.67 93.85 109.73 126.26 145.10 158.60 171.06 181.31 189.82 196.95 202.98 208.10 212.48 216.24 219.47 222.27 224.70 226.81 228.65 230.33 231.97 233.40 234.66 235.77 236.74

Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 2.73 3.48 4.23 5.04 5.77 6.50 7.21 7.92 8.72 9.37 10.04 10.70 11.35 11.99 12.62 13.25 13.88 14.50 15.14 15.76 16.39 17.02 17.66 18.31 18.96 19.63 20.31 21.00
19 2.79 3.56 4.32 5.15 5.90 6.64 7.36 8.08 8.89 9.55 10.22 10.88 11.54 12.19 12.83 13.48 14.12 14.76 15.42 16.07 16.73 17.39 18.06 18.75 19.44 20.15 20.87 21.61
20 2.85 3.63 4.41 5.25 6.01 6.76 7.50 8.22 9.04 9.71 10.38 11.05 11.71 12.37 13.03 13.69 14.36 15.03 15.71 16.39 17.08 17.78 18.49 19.21 19.95 20.70 21.47 22.26
21 2.90 3.69 4.48 5.34 6.11 6.87 7.62 8.35 9.18 9.85 10.53 11.20 11.88 12.55 13.23 13.91 14.60 15.30 16.02 16.73 17.46 18.20 18.95 19.71 20.50 21.30 22.13 22.98
22 2.94 3.75 4.55 5.42 6.20 6.97 7.72 8.46 9.30 9.98 10.66 11.34 12.03 12.72 13.43 14.14 14.86 15.60 16.35 17.10 17.87 18.65 19.45 20.27 21.11 21.97 22.86 23.78
23 2.98 3.80 4.62 5.49 6.28 7.05 7.81 8.55 9.40 10.09 10.78 11.48 12.19 12.91 13.64 14.39 15.15 15.92 16.71 17.50 18.32 19.15 20.01 20.88 21.79 22.72 23.68 24.67
24 3.02 3.85 4.67 5.55 6.35 7.12 7.88 8.63 9.49 10.19 10.90 11.62 12.35 13.11 13.88 14.66 15.46 16.28 17.11 17.96 18.83 19.72 20.63 21.58 22.55 23.56 24.60 25.68
25 3.05 3.89 4.88 5.60 6.40 7.18 7.94 9.00 9.57 10.29 11.02 11.77 12.98 13.33 14.15 14.98 15.82 17.28 17.57 18.48 19.40 20.36 22.11 22.37 23.42 24.51 25.64 27.75
26 3.07 3.91 4.89 5.63 6.43 7.22 8.00 9.01 9.66 10.40 11.16 11.95 12.99 13.60 14.46 15.34 16.24 17.29 18.10 19.07 20.07 21.10 22.17 23.27 24.41 25.59 26.81 28.08
27 3.09 3.93 4.90 5.66 6.47 7.26 8.06 9.02 9.75 10.53 11.33 12.17 13.04 13.93 14.84 15.77 16.73 17.71 18.72 19.76 20.84 21.96 23.11 24.31 25.54 26.83 28.15 29.52
28 3.10 3.94 4.91 5.68 6.50 7.32 8.14 9.03 9.88 10.70 11.56 12.46 13.38 14.33 15.29 16.29 17.31 18.37 19.45 20.58 21.75 22.95 24.21 25.50 26.85 28.24 29.68 31.16
29 3.10 3.95 4.92 5.72 6.56 7.40 8.25 9.04 10.06 10.94 11.87 12.82 13.80 14.81 15.84 16.91 18.01 19.14 20.32 21.54 22.80 24.12 25.48 26.89 28.35 29.85 31.41 33.01
30 3.11 3.98 4.93 5.78 6.66 7.54 8.43 9.05 10.32 11.27 12.26 13.28 14.32 15.40 16.51 17.65 18.84 20.07 21.34 22.67 24.04 25.47 26.95 28.48 30.06 31.70 33.38 35.10
31 3.15 4.03 4.94 5.90 6.81 7.73 8.68 9.06 10.68 11.70 12.76 13.84 14.96 16.12 17.31 18.55 19.83 21.17 22.55 23.99 25.49 27.04 28.64 30.31 32.02 33.79 35.60 37.47
32 3.21 4.13 4.95 6.07 7.03 8.01 9.01 9.07 11.15 12.24 13.36 14.53 15.73 16.97 18.27 19.61 21.00 22.45 23.96 25.53 27.15 28.84 30.59 32.39 34.25 36.15 38.11 40.12
33 3.30 4.27 4.96 6.30 7.32 8.36 9.44 9.46 11.71 12.88 14.09 15.34 16.64 17.98 19.39 20.84 22.36 23.94 25.58 27.29 29.06 30.89 32.78 34.73 36.74 38.79 40.91 43.08
34 3.43 4.44 4.97 6.59 7.68 8.79 9.94 9.95 12.37 13.63 14.92 16.27 17.68 19.14 20.67 22.25 23.91 25.63 27.42 29.27 31.20 33.19 35.23 37.34 39.50 41.73 44.01 46.35
35 3.58 4.65 5.89 6.94 8.10 9.29 10.52 12.09 13.12 14.47 15.88 17.34 19.35 20.46 22.12 23.85 25.65 28.23 29.48 31.49 33.58 35.74 38.91 40.22 42.56 44.96 47.43 51.24
36 3.75 4.89 6.07 7.34 8.58 9.86 11.17 12.53 13.97 15.43 16.95 18.54 20.20 21.94 23.75 25.64 27.61 29.65 31.77 33.96 36.22 38.55 40.94 43.40 45.92 48.52 51.19 53.94
37 3.96 5.18 6.44 7.79 9.12 10.49 11.90 13.37 14.92 16.50 18.16 19.90 21.71 23.61 25.58 27.64 29.79 32.01 34.31 36.69 39.13 41.64 44.23 46.89 49.62 52.43 55.32 58.27
38 4.19 5.50 6.85 8.30 9.72 11.19 12.72 14.30 15.98 17.71 19.52 21.42 23.40 25.47 27.63 29.87 32.21 34.62 37.12 39.68 42.32 45.04 47.84 50.71 53.68 56.72 59.83 63.02
39 4.47 5.87 7.31 8.86 10.39 11.97 13.62 15.35 17.18 19.07 21.04 23.12 25.28 27.54 29.90 32.34 34.88 37.50 40.20 42.97 45.83 48.77 51.80 54.91 58.12 61.40 64.75 68.20
40 4.77 6.26 7.80 9.46 11.11 12.83 14.62 16.51 18.51 20.57 22.73 25.00 27.37 29.83 32.40 35.06 37.81 40.64 43.56 46.56 49.65 52.84 56.12 59.49 62.95 66.49 70.12 73.85
41 5.05 6.65 8.30 10.10 11.89 13.76 15.72 17.78 19.97 22.23 24.60 27.07 29.66 32.35 35.14 38.02 40.99 44.06 47.21 50.46 53.82 57.27 60.82 64.46 68.19 72.03 75.96 80.01
42 5.36 7.08 8.87 10.81 12.76 14.81 16.96 19.22 21.61 24.09 26.68 29.39 32.20 35.13 38.16 41.28 44.49 47.81 51.23 54.75 58.39 62.13 65.96 69.90 73.94 78.09 82.36 86.73
43 5.72 7.58 9.54 11.65 13.79 16.04 18.40 20.87 23.49 26.20 29.03 31.99 35.05 38.23 41.50 44.88 48.36 51.95 55.66 59.49 63.43 67.46 71.61 75.87 80.25 84.75 89.37 94.10
44 6.15 8.19 10.33 12.64 14.99 17.46 20.04 22.76 25.63 28.59 31.68 34.89 38.21 41.65 45.19 48.85 52.62 56.52 60.55 64.69 68.95 73.31 77.80 82.43 87.18 92.05 97.05 102.16
45 6.67 8.90 11.43 13.78 16.36 19.07 21.90 25.25 28.01 31.24 34.60 38.09 42.18 45.40 49.24 53.20 57.30 62.07 65.89 70.37 74.97 79.71 85.06 89.60 94.75 100.03 105.43 111.56
46 7.26 9.71 12.28 15.07 17.90 20.86 23.97 27.22 30.64 34.16 37.80 41.57 45.46 49.49 53.65 57.95 62.40 66.99 71.71 76.56 81.55 86.69 91.98 97.42 103.00 108.71 114.52 119.93
47 7.92 10.61 13.44 16.50 19.60 22.85 26.24 29.78 33.51 37.32 41.27 45.35 49.56 53.93 58.44 63.12 67.95 72.91 78.02 83.28 88.70 94.28 100.03 105.93 111.96 118.11 123.83 128.86
48 8.66 11.61 14.72 18.07 21.46 25.01 28.72 32.57 36.61 40.74 45.00 49.42 53.99 58.73 63.65 68.72 73.95 79.32 84.87 90.58 96.48 102.54 108.77 115.15 121.66 127.72 133.03 137.69
49 9.47 12.71 16.11 19.78 23.49 27.36 31.39 35.57 39.95 44.41 49.03 53.82 58.79 63.94 69.28 74.77 80.43 86.27 92.30 98.52 104.92 111.51 118.26 125.15 131.55 137.16 142.09 146.42
50 10.35 13.91 17.62 21.63 25.68 29.89 34.26 38.78 43.51 48.34 53.35 58.56 63.97 69.57 75.35 81.30 87.45 93.81 100.37 107.14 114.09 121.23 128.52 135.30 141.23 146.43 151.00 155.01
51 11.31 15.19 19.26 23.63 28.03 32.59 37.31 42.19 47.33 52.56 58.02 63.69 69.57 75.64 81.90 88.38 95.07 102.00 109.14 116.50 124.05 131.77 138.94 145.21 150.69 155.51 159.73 163.44
52 12.33 16.58 21.01 25.76 30.53 35.46 40.56 45.85 51.42 57.12 63.06 69.23 75.60 82.19 89.00 96.06 103.37 110.91 118.68 126.67 134.84 142.43 149.06 154.85 159.92 164.36 168.27 171.69
53 13.44 18.06 22.87 28.02 33.17 38.49 44.02 49.76 55.83 62.05 68.51 75.20 82.12 89.29 96.73 104.44 112.40 120.62 129.07 137.72 145.75 152.75 158.86 164.20 168.87 172.92 176.47 179.58
54 14.62 19.64 24.84 30.39 35.96 41.73 47.74 54.00 60.61 67.39 74.40 81.68 89.22 97.05 105.17 113.58 122.27 131.21 140.37 148.87 156.26 162.70 168.23 173.08 177.32 181.04 184.30 187.17
55 15.87 21.28 27.10 32.90 38.93 45.21 51.76 59.00 65.81 73.17 80.80 88.73 97.00 105.54 114.42 123.60 133.05 142.00 151.75 159.50 166.19 172.01 174.90 181.54 185.43 188.84 191.83 192.27
56 17.14 22.97 29.03 35.55 42.12 48.98 56.15 63.62 71.44 79.45 87.79 96.46 105.49 114.86 124.56 134.57 144.85 154.29 162.40 169.44 175.55 180.88 185.53 189.60 193.16 196.28 199.02 201.42
57 18.41 24.73 31.32 38.42 45.61 53.13 60.96 69.09 77.61 86.36 95.49 105.00 114.89 125.14 135.73 146.55 156.48 165.04 172.43 178.84 184.42 189.28 193.52 197.23 200.47 203.32 205.81 208.01
58 19.84 26.73 33.94 41.71 49.61 57.82 66.35 75.21 84.52 94.12 104.14 114.57 125.38 136.51 147.96 158.46 167.47 175.24 181.95 187.78 192.84 197.25 201.10 204.47 207.42 210.00 212.27 214.26
59 21.57 29.12 37.04 45.57 54.21 63.16 72.46 82.15 92.37 102.90 113.86 125.23 137.01 149.13 160.23 169.72 177.86 184.88 190.95 196.21 200.79 204.77 208.25 211.29 213.95 216.29 218.34 220.14
60 23.60 31.90 40.61 49.95 59.36 69.12 79.30 89.91 101.09 112.63 124.65 137.09 149.93 161.65 171.63 180.16 187.48 193.78 199.23 203.96 208.07 211.65 214.78 217.51 219.90 222.00 223.84 225.46
61 25.92 35.07 44.60 54.76 64.99 75.66 86.82 98.51 110.79 123.47 136.63 150.23 162.60 173.07 181.98 189.59 196.12 201.74 206.61 210.83 214.50 217.69 220.48 222.92 225.05 226.93 228.57 230.01
62 28.53 38.54 48.88 59.92 71.14 82.88 95.19 108.07 121.57 135.48 149.88 162.91 173.89 183.17 191.05 197.78 203.57 208.55 212.86 216.59 219.84 222.67 225.13 227.30 229.19 230.85 232.30 233.58
63 31.32 42.15 53.43 65.56 77.93 90.90 104.48 118.67 133.50 148.74 162.45 173.93 183.57 191.70 198.61 204.52 209.59 213.96 217.73 221.01 223.86 226.33 228.50 230.40 232.05 233.51 234.78 235.90
64 34.11 45.93 58.37 71.76 85.45 99.80 114.80 130.41 146.67 161.06 173.04 183.00 191.35 198.40 204.39 209.51 213.91 217.70 220.97 223.81 226.27 228.43 229.01 231.95 233.38 234.64 235.75 236.72
65 36.92 50.02 64.75 78.66 93.84 109.72 126.25 145.00 158.59 171.05 181.30 189.81 196.85 202.97 208.09 212.47 216.23 218.26 222.26 224.69 226.80 228.64 229.03 231.96 233.39 234.65 235.76 236.73

Age \ Term 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
18 2.71 3.46 4.21 5.02 5.75 6.48 7.19 7.90 8.70 9.35 10.02 10.68 11.33 11.97 12.60 13.23 13.86 14.48 15.12 15.74 16.37 17.00 17.64 18.29 18.94 19.61 20.29 20.98
19 2.77 3.54 4.30 5.13 5.88 6.62 7.34 8.06 8.87 9.53 10.20 10.86 11.52 12.17 12.81 13.46 14.10 14.74 15.40 16.05 16.71 17.37 18.04 18.73 19.42 20.13 20.85 21.59
20 2.83 3.61 4.39 5.23 5.99 6.74 7.48 8.20 9.02 9.69 10.36 11.03 11.69 12.35 13.01 13.67 14.34 15.01 15.69 16.37 17.06 17.76 18.47 19.19 19.93 20.68 21.45 22.24
21 2.88 3.67 4.46 5.32 6.09 6.85 7.60 8.33 9.16 9.83 10.51 11.18 11.86 12.53 13.21 13.89 14.58 15.28 16.00 16.71 17.44 18.18 18.93 19.69 20.48 21.28 22.11 22.96
22 2.92 3.73 4.53 5.40 6.18 6.95 7.70 8.44 9.28 9.96 10.64 11.32 12.01 12.70 13.41 14.12 14.84 15.58 16.33 17.08 17.85 18.63 19.43 20.25 21.09 21.95 22.84 23.76
23 2.96 3.78 4.60 5.47 6.26 7.03 7.79 8.53 9.38 10.07 10.76 11.46 12.17 12.89 13.62 14.37 15.13 15.90 16.69 17.48 18.30 19.13 19.99 20.86 21.77 22.70 23.66 24.65
24 3.00 3.83 4.65 5.53 6.33 7.10 7.86 8.61 9.47 10.17 10.88 11.60 12.33 13.09 13.86 14.64 15.44 16.26 17.09 17.94 18.81 19.70 20.61 21.56 22.53 23.54 24.58 25.66
25 3.03 3.87 4.83 5.58 6.38 7.16 7.92 8.92 9.55 10.27 11.00 11.75 12.86 13.31 14.13 14.96 15.80 17.11 17.55 18.46 19.38 20.34 21.90 22.35 23.40 24.49 25.62 27.48
26 3.05 3.89 4.84 5.61 6.41 7.20 7.98 8.93 9.64 10.38 11.14 11.93 12.87 13.58 14.44 15.32 16.22 17.27 18.08 19.05 20.05 21.08 22.15 23.25 24.39 25.57 26.79 28.06
27 3.07 3.91 4.85 5.64 6.45 7.24 8.04 8.94 9.73 10.51 11.31 12.15 12.88 13.91 14.82 15.75 16.71 17.69 18.70 19.74 20.82 21.94 23.09 24.29 25.52 26.81 28.13 29.50
28 3.08 3.92 4.86 5.66 6.48 7.30 8.12 8.95 9.86 10.68 11.54 12.44 12.89 14.31 15.27 16.27 17.29 18.35 19.43 20.56 21.73 22.93 24.19 25.48 26.83 28.22 29.66 31.14
29 3.08 3.93 4.87 5.70 6.54 7.38 8.23 8.96 10.04 10.92 11.85 12.80 12.90 14.79 15.82 16.89 17.99 19.12 20.30 21.52 22.78 24.10 25.46 26.87 28.33 29.83 31.39 32.99
30 3.09 3.96 4.88 5.76 6.64 7.52 8.41 8.97 10.30 11.25 12.24 13.26 13.27 15.38 16.49 17.63 18.82 20.05 21.32 22.65 24.02 25.45 26.93 28.46 30.04 31.68 33.36 35.08
31 3.13 4.01 4.89 5.88 6.79 7.71 8.66 8.98 10.66 11.68 12.74 13.82 13.83 16.10 17.29 18.53 19.81 21.15 22.53 23.97 25.47 27.02 28.62 30.29 32.00 33.77 35.58 37.45
32 3.19 4.11 4.90 6.05 7.01 7.99 8.99 9.00 11.13 12.22 13.34 14.51 14.52 16.95 18.25 19.59 20.98 22.43 23.94 25.51 27.13 28.82 30.57 32.37 34.23 36.13 38.09 40.10
33 3.28 4.25 4.91 6.28 7.30 8.34 9.42 9.45 11.69 12.86 14.07 15.32 15.33 17.96 19.37 20.82 22.34 23.92 25.56 27.27 29.04 30.87 32.76 34.71 36.72 38.77 40.89 43.06
34 3.41 4.42 4.92 6.57 7.66 8.77 9.92 9.93 12.35 13.61 14.90 16.25 16.26 19.12 20.65 22.23 23.89 25.61 27.40 29.25 31.18 33.17 35.21 37.32 39.48 41.71 43.99 46.33
35 3.56 4.63 5.83 6.92 8.08 9.27 10.50 11.97 13.10 14.45 15.86 17.32 19.16 20.44 22.10 23.83 25.63 27.96 29.46 31.47 33.56 35.72 38.54 40.20 42.54 44.94 47.41 50.74
36 3.73 4.87 6.05 7.32 8.56 9.84 11.15 12.51 13.95 15.41 16.93 18.52 20.18 21.92 23.73 25.62 27.59 29.63 31.75 33.94 36.20 38.53 40.92 43.38 45.90 48.50 51.17 53.92
37 3.94 5.16 6.42 7.77 9.10 10.47 11.88 13.35 14.90 16.48 18.14 19.88 21.69 23.59 25.56 27.62 29.77 31.99 34.29 36.67 39.11 41.62 44.21 46.87 49.60 52.41 55.30 58.25
38 4.17 5.48 6.83 8.28 9.70 11.17 12.70 14.28 15.96 17.69 19.50 21.40 23.38 25.45 27.61 29.85 32.19 34.60 37.10 39.66 42.30 45.02 47.82 50.69 53.66 56.70 59.81 63.00
39 4.45 5.85 7.29 8.84 10.37 11.95 13.60 15.33 17.16 19.05 21.02 23.10 25.26 27.52 29.88 32.32 34.86 37.48 40.18 42.95 45.81 48.75 51.78 54.89 58.10 61.38 64.73 68.18
40 4.75 6.24 7.78 9.44 11.09 12.81 14.60 16.49 18.49 20.55 22.71 24.98 27.35 29.81 32.38 35.04 37.79 40.62 43.54 46.54 49.63 52.82 56.10 59.47 62.93 66.47 70.10 73.83
41 5.03 6.63 8.28 10.08 11.87 13.74 15.70 17.76 19.95 22.21 24.58 27.05 29.64 32.33 35.12 38.00 40.97 44.04 47.19 50.44 53.80 57.25 60.80 64.44 68.17 72.01 75.94 79.99
42 5.34 7.06 8.85 10.79 12.74 14.79 16.94 19.20 21.59 24.07 26.66 29.37 32.18 35.11 38.14 41.26 44.47 47.79 51.21 54.73 58.37 62.11 65.94 69.88 73.92 78.07 82.34 86.71
43 5.70 7.56 9.52 11.63 13.77 16.02 18.38 20.85 23.47 26.18 29.01 31.97 35.03 38.21 41.48 44.86 48.34 51.93 55.64 59.47 63.41 67.44 71.59 75.85 80.23 84.73 89.35 94.08
44 6.13 8.17 10.31 12.62 14.97 17.44 20.02 22.74 25.61 28.57 31.66 34.87 38.19 41.63 45.17 48.83 52.60 56.50 60.53 64.67 68.93 73.29 77.78 82.41 87.16 92.03 97.03 102.14
45 6.65 8.88 11.40 13.76 16.34 19.05 21.88 25.19 27.99 31.22 34.58 38.07 42.08 45.38 49.22 53.18 57.28 61.92 65.87 70.35 74.95 79.69 84.85 89.58 94.73 100.01 105.41 111.29
46 7.24 9.69 12.26 15.05 17.88 20.84 23.95 27.20 30.62 34.14 37.78 41.55 45.44 49.47 53.63 57.93 62.38 66.97 71.69 76.54 81.53 86.67 91.96 97.40 102.98 108.69 114.50 119.91
47 7.90 10.59 13.42 16.48 19.58 22.83 26.22 29.76 33.49 37.30 41.25 45.33 49.54 53.91 58.42 63.10 67.93 72.89 78.00 83.26 88.68 94.26 100.01 105.91 111.94 118.09 123.81 128.84
48 8.64 11.59 14.70 18.05 21.44 24.99 28.70 32.55 36.59 40.72 44.98 49.40 53.97 58.71 63.63 68.70 73.93 79.30 84.85 90.56 96.46 102.52 108.75 115.13 121.64 127.70 133.01 137.67
49 9.45 12.69 16.09 19.76 23.47 27.34 31.37 35.55 39.93 44.39 49.01 53.80 58.77 63.92 69.26 74.75 80.41 86.25 92.28 98.50 104.90 111.49 118.24 125.13 131.53 137.14 142.07 146.40
50 10.33 13.89 17.60 21.61 25.66 29.87 34.24 38.76 43.49 48.32 53.33 58.54 63.95 69.55 75.33 81.28 87.43 93.79 100.35 107.12 114.07 121.21 128.50 135.28 141.21 146.41 150.98 154.99
51 11.29 15.17 19.24 23.61 28.01 32.57 37.29 42.17 47.31 52.54 58.00 63.67 69.55 75.62 81.88 88.36 95.05 101.98 109.12 116.48 124.03 131.75 138.92 145.19 150.67 155.49 159.71 163.42
52 12.31 16.56 20.99 25.74 30.51 35.44 40.54 45.83 51.40 57.10 63.04 69.21 75.58 82.17 88.98 96.04 103.35 110.89 118.66 126.65 134.82 142.41 149.04 154.83 159.90 164.34 168.25 171.67
53 13.42 18.04 22.85 28.00 33.15 38.47 44.00 49.74 55.81 62.03 68.49 75.18 82.10 89.27 96.71 104.42 112.38 120.60 129.05 137.70 145.73 152.73 158.84 164.18 168.85 172.90 176.45 179.56
54 14.60 19.62 24.82 30.37 35.94 41.71 47.72 53.98 60.59 67.37 74.38 81.66 89.20 97.03 105.15 113.56 122.25 131.19 140.35 148.85 156.24 162.68 168.21 173.06 177.30 181.02 184.28 187.15
55 15.85 21.26 27.09 32.88 38.91 45.19 51.74 58.99 65.79 73.15 80.78 88.71 96.99 105.52 114.40 123.58 133.03 141.99 151.73 159.48 166.17 171.99 174.89 181.52 185.41 188.82 191.81 192.26
56 17.12 22.95 29.01 35.53 42.10 48.96 56.13 63.60 71.42 79.43 87.77 96.44 105.47 114.84 124.54 134.55 144.83 154.27 162.38 169.42 175.53 180.86 185.51 189.58 193.14 196.26 199.00 201.40
57 18.39 24.71 31.30 38.40 45.59 53.11 60.94 69.07 77.59 86.34 95.47 104.98 114.87 125.12 135.71 146.53 156.46 165.02 172.41 178.82 184.40 189.26 193.50 197.21 200.45 203.30 205.79 207.99
58 19.82 26.71 33.92 41.69 49.59 57.80 66.33 75.19 84.50 94.10 104.12 114.55 125.36 136.49 147.94 158.44 167.45 175.22 181.93 187.76 192.82 197.23 201.08 204.45 207.40 209.98 212.25 214.24
59 21.55 29.10 37.02 45.55 54.19 63.14 72.44 82.13 92.35 102.88 113.84 125.21 136.99 149.11 160.21 169.70 177.84 184.86 190.93 196.19 200.77 204.75 208.23 211.27 213.93 216.27 218.32 220.12
60 23.58 31.88 40.59 49.93 59.34 69.10 79.29 89.89 101.07 112.61 124.63 137.07 149.91 161.63 171.61 180.14 187.46 193.76 199.21 203.94 208.05 211.63 214.76 217.49 219.88 221.98 223.82 225.44
61 25.90 35.05 44.58 54.74 64.97 75.64 86.80 98.49 110.77 123.45 136.61 150.21 162.58 173.05 181.96 189.57 196.10 201.72 206.59 210.81 214.48 217.67 220.46 222.90 225.03 226.91 228.55 229.99
62 28.51 38.52 48.86 59.90 71.12 82.86 95.17 108.05 121.55 135.46 149.86 162.89 173.87 183.15 191.03 197.76 203.55 208.53 212.84 216.57 219.82 222.65 225.11 227.28 229.17 230.83 232.28 233.56
63 31.30 42.13 53.41 65.54 77.91 90.88 104.46 118.65 133.48 148.72 162.43 173.91 183.55 191.68 198.59 204.50 209.57 213.94 217.71 220.99 223.84 226.31 228.48 230.38 232.03 233.49 234.76 235.88
64 34.09 45.91 58.35 71.74 85.43 99.78 114.78 130.39 146.65 161.04 173.02 182.98 191.33 198.38 204.37 209.49 213.89 217.68 220.95 223.79 226.25 228.41 229.00 231.93 233.36 234.62 235.73 236.70
65 36.90 50.00 64.74 78.64 93.82 109.70 126.23 144.99 158.57 171.03 181.28 189.79 196.84 202.95 208.07 212.45 216.21 218.25 222.24 224.67 226.78 228.62 229.02 231.94 233.37 234.63 235.74 236.71

Bharti AXA Life Premier Protect Home Shield

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BHARTI AXA LIFE INSURANCE COMPANY LIMITED

Policy Effective Date DD/MM/YYYY

Mode of Premium Payment Single Premium

Place and Date of Issue Mumbai, India

“Benefits” means the Death Benefit

“Effective Date of Coverage” means the date of commencement of Coverage in respect of

“Policyholder” means XXXXX, the holder of the Policy.

“Policy Effective Date” means the date of commencement of the Policy.

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 2

“The Company” means Bharti AXA Life Insurance Company Limited.

II. GENERAL PROVISIONS

Evidence of good health and insurability

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 3

Data and information

3. The Policyholder will issue a Certificate of Insurance in respect of each Coverage on

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 4

6. In the event the Company is required to honour a claim in respect of an individual

Place and currency

Grievance redressal procedure

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 5

III. COVERAGE PREMIUM AND INCREASE OF COVERAGE

The Coverage Premium in respect of the Coverage for:

Coverage Amount Band

The alteration charge shall be calculated as:

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 6

V. PROCEDURE FOR REGISTERING AND PAYMENT OF CLAIMS

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 7

VII. TERMINATION OF COVERAGE

On the occurrence of the above events, the following shall be applicable:

VIII. SURRENDER VALUE

SVF X P X U/T, where:

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 8

IX. TERMINATION OF POLICY

By the Company: The Company may terminate this Policy:

X. VARIATIONS TO THE POLICY

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 9

Policyholder’s acts binding on Life Insured/Beneficiary

Principal to principal relationship

Both the parties will act as independent service providers.

Loan not available

Governing Laws and jurisdiction

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 10

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 12

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 13

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 14

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 15

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 16

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 17

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 18

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 19

UIN: 130N042V01 Bharti AXA Life Premier Protect Home Shield 20

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