137405-SPEEDPOST-EA177520084IN

Plan
Date -: 07/06/2018 Loan Secure
POONAM TIWARI Loan Reference
KV 3 10/2, STAFF QTR, RING ROAD NARAINA, HOUGHA0318507008
DELHI - 110010 Life Insured
Contact No. 9717370080 POONAM TIWARI
Loan Ref.HOUGHA0318507008

Dear POONAM TIWARI,

Thank you for choosing Bharti AXA Life as your preferred financial protection partner. We extend a
warm welcome to you on behalf of the Bharti AXA Life team.

Please find enclosed the Certificate of Insurance for your captioned policy. We request you to go
through the same carefully as it details the features and benefits of your policy.

Should you require any clarification, please do not hesitate to write to us at service@bharti-
axalife.com . We will be glad to be of assistance.

Assuring you of our best services.

Regards,
Bharti AXA Life Insurance Company Limited

This is a computer generated letter and does not require a signature

Encl: Certificate of Insurance

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 First Premium Receipt

Bharti AXA Life Loan Secure and Bharti AXA Life Group Accidental Death Benefit (ADB) Rider

Loan ID No. HOUGHA0318507008 with PNB Housing Finance Ltd.

Policy Details

Sum Assured for Base Plan :2402769 Policy Term for Base Plan (in months) :108

Sum Assured for ADB Rider :2402769 Term for ADB Rider :60

Loan Disbursement Date :NA Policy Date /Issue Date :06-06-2018

Payment Details

Premium paid towards Base Plan 118696.79

Premium paid towards ADB Rider 5982.89

Total Premium excluding GST 124679.68

GST Rate (%) Amount (Rs.)

CGST 0.000 Rs.0.00 + Rs.0.00

SGST 0.000 Rs.0.00 + Rs.0.00

IGST 18.000 Rs.21365.42 + Rs.1076.92

UGST 0.000 Rs.0.00 + Rs.0.00

Payment Mode Cheque

This is to certify that the mentioned premium amount has been received on the Policy Date and adjusted towards premium on the Issue Date
as mentioned above

Note:
• Income Tax Benefits are as per Income Tax Act,1961 and are subject to conditions mentioned therein and amendments made thereto
from time to time

• GST shall be applicable as per prevailing tax laws. This is applicable on the total premium

• GSTIN : 27AACCB7227P1Z9. SAC : 00997132

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 Bharti AXA Life Insurance Company Limited
Registered Office: Unit No. 1904, 19th Floor, Parinee Crescenzo, 'G' Block,Bandra Kurla
Complex, BKC Road, Behind MCA Ground, Bandra East,Mumbai -400051, Maharashtra
Website: www.bharti-axalife.com
Certificate of Insurance
Bharti AXA Life Loan Secure and Bharti AXA Life Group Accidental Death Benefit Rider
As a Life Insured under the Group Policy number 10000067 issued to PNB Housing Finance Ltd. you will be entitled to the Benefits as per the
Annexure attached. The Coverage under the product will be paid subject to the terms and conditions of the Policy.

Certificate of Insurance no: PNBHFL_HOUGHA0318507008_PHF14 Issue Date*: 06-06-2018

Applicant Details

Details of Life/(ves) Insured Name of Life/(ves) Insured Age Gender

Primary Applicant POONAM TIWARI 57 F

1st Co-Applicant

2nd Co-Applicant

Loan account number HOUGHA0318507008

Loan Type & Cover Details

Loan Type Mortgage Loan Type of Cover: Reducing Term

Coverage Details
Coverage amount for Base plan
2402769 Coverage Term (months): 108
(Rs):
Coverage amount for Group
Accidental Death Benefit Rider 2402769 Coverage Term (months): 60
(Rs):
Beneficiary Details

Relationship of Beneficiary/
Name of Beneficiary/(ies)/nominee
(ies)/nominee to the Lives Insured

For Primary Applicant RAJESH TIWARI Spouse

For 1st Co-Applicant
For 2nd Co-Applicant
Single premium for Loan Secure Rs.118696.79
Single premium for Group Accidental Death Benefit Rider** Rs.5982.89
GST Rate (%) Amount (Rs.)
CGST 0.000 Rs.0.00 + Rs.0.00
SGST 0.000 Rs.0.00 + Rs.0.00
IGST 18.000 Rs.21365.42 + Rs.1076.92
UGST 0.000 Rs.0.00 + Rs.0.00
Total Single Premium Payable Rs.147122.02

* For Effective Date of Coverage kindly refer to definition of Effective Date of Coverage.
** The maximum Accidental Death Benefit cover allowed under this plan is Rs 50 lakhs
Your Coverage is subject to fulfilment of the Conditions for Effective Date of Coverage and realization of Cheque/ Demand Draft.
The Death Benefit & Accidental Death Benefit will be as per the definitions in this Certificate. The Death Benefit & Accidental Death Benefit reduces
during the Coverage Term and is as provided to you in the Reducing Schedule attached herewith.
GST shall be applicable as per prevailing tax laws.
GSTIN .: 27AACCB7227P1Z9. SAC: 00997132
For Bharti AXA Life Insurance Company Limited

A.S.Rajesh
Senior Vice President – Operations

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SALIENT FEATURES OF THE TERMS AND CONDITIONS OF THE POLICY
DEFINITIONS:-
“Age” means the age at last birthday, in completed years attained by the Life Insured as on the Effective Date of Coverage.
“Accidental Death” means traumatic death of the Life Insured caused solely by external, violent, unforeseeable and visible
means, occurring independently of any other causes and within ninety days of such trauma, proved to the satisfaction of the
Company.
“Accidental Death Benefit” (Rider Sum Assured) means an amount (as mentioned above) with a maximum limit of
Rs.50,00,000 and is payable to the Beneficiary in the event of the death of the Life Insured (and in the case of Coverage on
joint lives, the death of either of the Lives Insured) due to Accidental Death during the first five years of the Coverage Term
while the Coverage is in force.
“Benefits” means the Death Benefit and in the event of death due to accident, the Death Benefit and the Accidental Death
Benefit.
“Beneficiary/(ies)” means the individual/(s) nominated 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 and in the case of Coverage on joint lives
insured, the term “Beneficiary” shall mean the surviving Life Insured.
“Certificate of Insurance” means the certificate issued to an Insured Member by the company to confirm his coverage under
the Policy. Coverage in respect of an Insured Member shall commence from the Effective Date of Coverage mentioned therein
and will be subject to term & conditions of the policy.
“Coverage” means the life insurance effected in respect of each of the Life/(ves) Insured under the Policy. In the event of the
life insured choosing to continue the insurance cover, even if the liability ceases to exist, the death benefit paid to the
beneficiary will follow the original repayment schedule. Continuance of cover is not available in case of joint life/ves covered.
“Coverage Premium” means the premium payable by the Policyholder to the Company to effect the Coverage in respect of
each Life Insured.
“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 and shall be of a term of at least three years but not exceeding thirty
completed years.
“Limited Coverage Term” means the period of coverage selected by the life insured which is lesser than the actual term of
his loan with the policyholder. The sum assured will amortize based on the reduced tenure selected for insurance coverage &
not as per the original amortization schedule. The limited coverage term option can be selected only at the inception of
insurance cover.
“Death Benefit” means the benefit payable to the Beneficiary of the Life/(ves) Insured 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
and is subject to fulfilment of Conditions for Effective Date of Coverage.
“Issue Date” means the date of issue of Certificate of Insurance.
“Life Insured/Lives Insured” means the individuals who has been granted and is in receipt of the proceeds of the loan 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 joint lives)
it shall have reference to all the Lives Insured or to either of them, as is appropriate to the context.
“Policy” means the Bharti AXA Life Loan Secure which is a single premium group term life insurance product issued to the
Policyholder for securing the payment of the Benefits to the Lives Insured.
“Policyholder” means PNB Housing Finance Ltd. the holder of the Policy.
“Policy Effective Date” means the date of commencement of the Policy.
“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 any reason whatsoever.
“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/Date of modification of Coverage.
“Reduced Cover Amount” means the option chosen by the customer to chose reduced coverage amount (lesser than loan
amount) & is chosen at the time of inception of the cover.

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 been disbursed a Mortgage Loan from the Policyholder .
2.she/he/they/has/ve applied for sum assured which is within the minimum & maximum limits approved for the master
policyholder.
3.she/he/they/has/ve applied for coverage term which is within the minimum & maximum coverage term approved for the
master policyholder,
4.has/ve attained the age of 18 years but not exceeded 65 years;
5.is/are in good health and has/ve submitted the evidence of good health and insurability in the format prescribed by the
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Company; and
6.has/ve fulfilled the underwriting requirements as prescribed by the Company

Conditions for Effective Date of Coverage: Coverage in respect of all eligible individuals to be insured will commence
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 the complete particulars of the proposed Life/(ves) Insured;
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;

TERMS AND CONDITIONS

As this is a Group Policy in terms of the guidelines issued by the Insurance Regulatory and Development Authority of India, an
individual shall be covered under the Policy only if s/he is a loanee of the Policyholder. Accordingly, utilisation of the proceeds
of the loan is a pre-condition to the Coverage under this Certificate of Insurance.
Tax benefit: Premium paid under the Policy is eligible for tax benefits under Section 80C of the Income Tax Act 1961. Tax
benefits are subject to change with change in the tax laws.
Exclusions: The payment of Benefits is subject to the following exclusions:
• 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 12 months from the date of inception of the Policy,
the Coverage of the Life Insured shall terminate and the Company shall be entitled to pay at least 80% of the premiums paid
to the nominee of the Life Insured.

• Exclusions for Accidental Death Benefit: The Company is not liable to pay any Benefit in respect of any Life Insured in
the event of death of the Life Insured, directly or indirectly due to or caused, occasioned, accelerated or aggravated by any of
the following:
• Suicide or self inflicted injury, whether the Life insured is medically sane or insane.
• War, terrorism, invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection,
military or usurper power, riot or civil commotion. War means any war, whether declared or not.
• Service in the armed forces, or any police organization, of any country at war or service in any force of an
international body.
• Committing an assault, a criminal offence, an illegal activity or any breach of law.
• Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison,
except as prescribed by a licensed doctor other than the Life Insured.
• Participation in aviation other than as a fare-paying passenger in an aircraft that is authorised by the relevant
regulations to carry such passengers between established aerodromes.
• Taking part or practicing for any hazardous hobby, pursuit or any race.
• Hazardous occupations including but not exclusive to mining, deep-sea fishing, forestry, scuba diving
• Bodily or mental infirmity or any disease

Claims Procedure:
1. The Beneficiary/(ies) should report the claim to the Policyholder or the Insurance company at its registered office on
occurrence of unfortunate death of Life Insured and following documents should be submitted:
• Certificate of Insurance
• Last attending Doctor’s Certificate\ Attending Physician’s Statement.
• Copy of Death Certificate attested by the Policyholder.
• Copy of all medical reports attested by the Policyholder.
• Death Claim Form (to be submitted by the Policyholder)
• Self Filled Questionnaire
In addition to the above, the following documents are required to be submitted in the event of Accidental Death of the Life
Insured: First Information Report and Post Mortem Report. In addition other documentation\information that the Company may
consider as material and relevant to the claim can be requested.
2. Claim cheque for the death benefit, to the extent available to settle the Outstanding Loan, would be drawn in favour of
‘”Name of the deceased Life Insured Policyholder Loan Ref No”. This amount will be applied towards settling the outstanding
loan of the deceased member. Cheque in respect of excess amount (excess of death benefit over the outstanding loan), if
any, will be issued in favour of the “Nominee/ ‘Beneficiary’. In case the nominee is a minor, claim proceeds will be paid to the
legal guardian of the nominee. The Accident death benefit can be opted along with Mortgage & Loan Against Property
segments only. The Accidental Death Benefit (if applicable) shall be solely payable to the Beneficiary; it is however made clear
that the proceeds of the Accidental Death Benefit shall not be used to set-off the outstanding loan amount, if any.
3. An email sent by the Policyholder shall be good, valid and sufficient discharge to the Company in respect of any payment to
be made under the Policy
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Refund and Cancellation:
A) Free Look Option: The Life Insured has the option to return the original Certificate of Insurance along with a letter stating
reasons for cancellation within 15 days of receipt of the Certificate of Insurance (“the free look period”). The Coverage will
accordingly be cancelled and an amount equal to the premium paid after deducting the stamp duty cost and medical costs, if
any, incurred in issuance of the coverage will be refunded.
B) Surrender Value: In case you seek to cancel the Coverage after the free look period, a refund calculated as per the
following formula shall be payable to you:
Surrender value factor (SVF) X P X U/T X OS/IS, where:
SVF = The surrender value factor (SVF) varies according to the policy year and is as shown in the table below.
P = Single premium paid in respect of the Coverage of a Life Insured excluding GST, U = Unexpired Coverage Term (in
months) ,T = Coverage Term for the Life (ves) Insured (in months), OS = Sum assured benefit at the time of surrender, IS =
Initial Sum assured
The surrender value factors differ by loan policy term and are as follows.
Policy Year SV Factor
1–3 45%
4 & above 70%
In case of Joint Lives, the surrender value payable on the surviving live on the death of any one of joint lives covered, the
premium P in the above formula would be the actual premium paid for the surviving live which is 97.5% of the tabular
premium.

C) Surrender Vale (ADB Rider): In case you seek to cancel the Coverage after the free look period, a refund calculated as
per the following formula shall be payable to you:

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 rider policy term and are as follows.

Policy Term SV Factor

1–5 35%

TERMINATION OF COVERAGE: The Coverage of a Life Insured under the Policy shall terminate on the Termination Date
which will be on the date of occurrence of the earliest of any of the following events:

No. Event Benefit Payable

1 End of the Coverage Term No benefit is payable.
No benefit is payable. Incase of Joint Lives Insured, the
2 Life Insured attains the Age of 75 years Coverage would continue for borrower who has not attained
age of 75 years
Death of the Life Insured (and in the case of
Coverage on joint Lives Insured, the date of Benefit is payable, incase of Joint Lives Insured; the
3
death of any one of the joint lives Insured on first Coverage for surviving borrower will end.
to die basis) during the Coverage Term
Premium would be refunded as per the surrender value
4 If you cancel the Coverage
formula mentioned above.
Premium would be refunded as per the surrender value
On foreclosure of loan with the Policyholder, e.g.
5 formula mentioned above OR the customer can choose to
on pre-payment of loan
continue his cover till the end of the policy term.

Disclosure: Section 45 of Insurance Act, 1938.

Fraud, Misrepresentation and forfeiture would be dealt with in accordance with provisions of Section 45 of the Insurance Act
1938 as amended from time to time.[A Leaflet containing the simplified version of the provisions of Section 45 is
enclosed in Appendix – (I) for reference]

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GRIEVANCE REDRESSAL PROCEDURE:
Step 1: Inform us about your grievance
In case you have any grievance, you may approach our Grievance Redressal Cell at any of the below-mentioned helplines:
• Lodge your complaint online at www.bharti-axalife.com
• Call us at our toll free no. 1800 102 4444
• Email us at complaints.unit@bharti-axalife.com
• Write to us at:
Grievance Redressal Cell
Bharti AXA Life Insurance Company Ltd.
Spectrum tower, 3rd Floor,
Malad link road, Malad (west),
Mumbai 400064. Maharashtra
• Visit our nearest branch and meet our Grievance Officer who will assist you to redress your grievance/ lodge your
complaint.
Step 2: Tell us if you are not satisfied
In case you are not satisfied with the decision of the above office you may contact our Grievance Officer within 8 weeks of
receipt of the resolution communication at any of the below-mentioned helplines:
• Write to our Grievance Officer at:
Bharti AXA Life Insurance Company Ltd.
Spectrum tower, 3rd Floor,
Malad link road, Malad (west),
Mumbai 400064. Maharashtra
• Email us at cro@bharti-axalife.com
You are requested to inform us about your concern (if any) within 8 weeks of receipt of resolution as stated above, failing
which it will be construed that the complaint is satisfactorily resolved.
Step 3: If you are not satisfied with the resolution provided by the Company
In case you are not satisfied with the decision/ resolution of the Company, you may approach the Insurance Ombudsman. For
the complete list of Insurance Ombudsman please visit:
• www.bharti-axalife.com
• www.irdaindia.org/ombudsmenlist

UIN for Loan Secure: 130N054V02, UIN for Group Accidental Death Benefit Rider: 130B006V02

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 Appendix (I)
Provisions regarding policy not being called into question in terms of Section 45 of the Insurance Act, 1938, as amended from
time to time
01. No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from
a. the date of issuance of policy or
b. the date of commencement of risk or
c. the date of revival of policy or
d. the date of rider to the policy
whichever is later.
02. On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from
a. the date of issuance of policy or
b. the date of commencement of risk or
c. the date of revival of policy or
d. the date of rider to the policy
whichever is later.
For this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees
of insured, as applicable, mentioning the
ground and materials on which such decision is based.
03. Fraud means any of the following acts committed by insured or by his agent, with the intent to deceive the insurer or to
induce the insurer to issue a life insurance policy:
a. The suggestion, as a fact of that which is not true and which the insured does not believe to be true;
b. The active concealment of a fact by the insured having knowledge or belief of the fact;
c. Any other act fitted to deceive; and
d. Any such act or omission as the law specifically declares to be fraudulent.
04. Mere silence is not fraud unless, depending on circumstances of the case, it is the duty of the insured or his agent keeping
silence to speak or silence is in itself equivalent to speak.

05. No Insurer shall repudiate a life insurance Policy on the ground of Fraud, if the Insured / beneficiary can prove that the
misstatement was true to the best of his knowledge and there was no deliberate intention to suppress the fact or that such
mis-statement of or suppression of material fact are within the knowledge of the insurer. Onus of disproving is upon the
policyholder, if alive, or beneficiaries.

06. Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact
material to expectancy of life of the insured was incorrectly made in the proposal or other document basis which policy was
issued or revived or rider issued. For this, the insurer should communicate in writing to the insured or legal representative or
nominee or assignees of insured, as applicable, mentioning the ground and materials on which decision to repudiate the policy
of life insurance is based.

07. In case repudiation is on ground of mis-statement and not on fraud, the premium collected on policy till the date of
repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days
from the date of repudiation.

08. Fact shall not be considered material unless it has a direct bearing on the risk undertaken by the insurer. The onus is on
insurer to show that if the insurer had been aware of the said fact, no life insurance policy would have been issued to the
insured.

09. The insurer can call for proof of age at any time if he is entitled to do so and no policy shall be deemed to be called in
question merely because the terms of the policy are adjusted on subsequent proof of age of life insured. So, this Section will
not be applicable for questioning age or adjustment based on proof of age submitted subsequently.

[Disclaimer: This is not a comprehensive list of amendments of Insurance Laws (Amendment) Ordinance, 2014 and
only a simplified version prepared for general information. Policy Holders are advised to refer to Original Ordinance
Gazette Notification dated December 26, 2014 for complete and accurate details. ]

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Annexure: Death Benefit Table for Bharti AXA Life Loan secure
This annexure is an integral part of the Bharti AXA Life Loan Secure Certificate of Insurance issued to POONAM TIWARI loan
account no - HOUGHA0318507008
The Death Benefit payable by the Company will be as per the Table below and shall be irrespective of the loan
amount outstanding at the time of death of the Life Insured.
Table : Coverage Term = 108 Months Rate of Interest : 13.00
Beginning of Month 1 2 3 4 5 6 7 8 9 10 11 12
Death Benefit 2402769 2390495 2378096 2365570 2352916 2340132 2327217 2314170 2300989 2287674 2274222 2260633
Beginning of Month 13 14 15 16 17 18 19 20 21 22 23 24
Death Benefit 2246904 2233035 2219024 2204869 2190570 2176124 2161530 2146787 2131893 2116847 2101646 2086290
Beginning of Month 25 26 27 28 29 30 31 32 33 34 35 36
Death Benefit 2070777 2055104 2039272 2023277 2007119 1990795 1974304 1957644 1940814 1923812 1906635 1889283
Beginning of Month 37 38 39 40 41 42 43 44 45 46 47 48
Death Benefit 1871753 1854043 1836152 1818078 1799819 1781373 1762739 1743913 1724895 1705682 1686273 1666664
Beginning of Month 49 50 51 52 53 54 55 56 57 58 59 60
Death Benefit 1646855 1626844 1606627 1586204 1565571 1544727 1523670 1502397 1480906 1459196 1437263 1415106
Beginning of Month 61 62 63 64 65 66 67 68 69 70 71 72
Death Benefit 1392722 1370108 1347264 1324185 1300870 1277317 1253522 1229484 1205199 1180666 1155882 1130845
Beginning of Month 73 74 75 76 77 78 79 80 81 82 83 84
Death Benefit 1105551 1079998 1054183 1028104 1001758 975143 948255 921092 893650 865928 837922 809629
Beginning of Month 85 86 87 88 89 90 91 92 93 94 95 96
Death Benefit 781047 752172 723002 693533 663762 633686 603303 572609 541600 510274 478627 446656
Beginning of Month 97 98 99 100 101 102 103 104 105 106 107 108
Death Benefit 414358 381730 348767 315467 281826 247841 213507 178823 143783 108384 72624 36497

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Annexure: Death Benefit Table for Bharti AXA Life Group Accidental Death Benefit Rider
This annexure is an integral part of the Bharti AXA Life Loan Secure Certificate of Insurance issued to POONAM TIWARI loan
account no - HOUGHA0318507008
The Death Benefit payable by the Company will be as per the Table below and shall be irrespective of the loan
amount outstanding at the time of death of the Life Insured.
Table : Coverage Term = 60 Months
Beginning of Month 1 2 3 4 5 6 7 8 9 10 11 12
Death Benefit 2402769 2373572 2344076 2314278 2284174 2253763 2223041 2192004 2160649 2128973 2096973 2064645
Beginning of Month 13 14 15 16 17 18 19 20 21 22 23 24
Death Benefit 2031987 1998994 1965663 1931992 1897975 1863610 1828894 1793822 1758391 1722597 1686437 1649907
Beginning of Month 25 26 27 28 29 30 31 32 33 34 35 36
Death Benefit 1613003 1575721 1538057 1500008 1461570 1422737 1383508 1343877 1303840 1263393 1222532 1181253
Beginning of Month 37 38 39 40 41 42 43 44 45 46 47 48
Death Benefit 1139551 1097423 1054863 1011867 968431 924551 880222 835438 790197 744492 698319 651674
Beginning of Month 49 50 51 52 53 54 55 56 57 58 59 60
Death Benefit 604551 556945 508853 460268 411185 361601 311508 260903 209780 158133 105958 53249

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