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The life insurance business in Pakistan was nationalized
under a Presidential Order on 19th March 1972. It was
executed in...
The Government constituted Life Insurance
Management Board (LIMB). The Board’s term included
the task of recommending a pe...
The second phase of nationalization started by
establishment of Single Corporation called State Life
Insurance Corporation...
By the Grace of Allah the Almighty, State Life has made
steady progress in all fields of its operations. The future
is eve...
 To run life insurance business on sound lines.
 To provide more efficient service to the policyholders.
 To maximize t...
“To remain the leading insurer in the country by extending
the benefits of life insurance to all sections of society and
m...
CHAIRMAN
Executive
Director
Divisional Head
Actuarial
Divisional Head
Personal & General
Services
Divisional Head
Legal af...
STATE LIFE BUILDING
NO. #1A, 1B & IC
I.I. Chundrigar Road
STATE LIFE BUILDING
NO. 1& Annex
I.I. Chundrigar Road
STATE LIFE BUILDING
NO. 2, 2A & 2B
Wallace Road
STATE LIFE BUILDING
NO. 3
Dr. Ziauddin Ahmed Road
STATE LIFE BUILDING
NO. 4
Shahreh Liaquat
STATE LIFE BUILDING
NO. 5B
Zaibunnissa Street, Saddar
STATE LIFE BUILDING
NO. 5 & 5A
Abdullah Haroon Road
STATE LIFE BUILDING
NO. 9 , Principal Office,
Dr. Ziauddin Road
STATE LIFE BUILDING
NO. 11
Abdullah Haroon Road
STATE LIFE BUILDING
NO. 12
Abdullah Haroon Road
GUL CENTER
164 Hyderabad Cantt
STATE LIFE BUILDING
NO. 50 Thandi Sarak
Hyderabad
STATE LIFE BUILDING
Mirpurkhas
STATE LIFE BUILDING
Quaid-e-Awam Road
Larkana
STATE LIFE BUILDING
Minara Road
Sukkur
STATE LIFE BUILDING
Chowk Nawan Shahar
Multan
STATE LIFE BUILDING
NO. 1 ,The Mall
Rawalpindi
STATE LIFE BUILDING
No. 9, 33-E , Buland Markaz
Islamabad
STATE LIFE BUILDING
Plot NO. 7 - (Phase-1)
Blue Area - Islamabad
STATE LIFE BUILDING
No. 2 Liaquat Road
Faisalabad
STATE LIFE BUILDING
NO. 1 The Mall Peshawar
STATE LIFE BUILDING
63-p Circular Road
Dera Ismail Khan
TOTAL 06
*PROJECTS IN PLANNING
BUILDING COMPRISES OF
3 BASEMENTS
+ GROUND FLOOR
+ 18 UPPER FLOORS
BUILDING COMPRISES OF
BASEMENTS
+ GROUND FLOOR
+ 5 UPPER FLOORS
BUILDING COMPRISES OF
BASEMENTS
+ GROUND FLOOR
+ 4 UPPER FLOORS
BUILDING COMPRISES OF
BASEMENTS
+ GROUNDFLOOR
+ 4 UPPER FLOORS
S.# City No. of buildings Inherited Purchased Constructed
1. Karachi 22 17 05*
2. Hyderabad 03 01 02
3. Sukkur 01 00 01
4....
1. Karachi 09 07 02
2. Lahore 03 03 00
3. Quetta 0 00 01
4. Resorts and Hut 03 03 00
S.# City No. of buildings Inherited P...
1. Karachi 05 01 04*
2. Lahore 03 02 01
3. Islamabad 02 01 01
4. Mirpur ( A.K.) 02 00 02
5. Sahiwal 01 00 01
6. R.Y Khan 0...
1. Karachi 22 1,442,463
2. Hyderabad 03 136,192
3. Sukkur 01 20,560
4. Larkana 01 30,000
5. Mirpurkhas 01 35,815
6. Multan...
48.2 110
846.2
2026.3
1040.7
2805.7
3327.2
3853.5
5158.6
7196.3
0
1000
2000
3000
4000
5000
6000
7000
8000
1973 1980 1990 1...
218.9 364.5
2266.5
3935.1 4537.8
8454.3
9784.8
12053.6
13993.5
17656.9
0
2000
4000
6000
8000
10000
12000
14000
16000
18000...
49.6 163.5
642.4
1177.5 1102
2547.9
2865.8 2795.7
3532.2 3490.8
0
500
1000
1500
2000
2500
3000
3500
4000
1973 1980 1990 19...
316.7 638
3755.1
7138.9 6680.5
13820.1
15991.6
18716.7
22695.3
28366.9
0
5000
10000
15000
20000
25000
30000
1973 1980 1990...
0
20000
40000
60000
80000
100000
120000
140000
160000
180000
200000
1973 1980 1990 1995 2000 2005 2006 2007 2008 2009
1493...
0
2
4
6
8
10
12
14
16
1973 1980 1990 1995 2000 2005 2006 2007 2008 2009
6.6
10
13.6
14.9
12.8
12 12.1
12.6 12.2 12.1
Scale...
0
500000
1000000
1500000
2000000
2500000
3000000
1973 1980 1990 1995 2000 2005 2006 2007 2008 2009
357413 413231
1297879
2...
(1977 TO 2009)
0
10
20
30
40
50
60
70
80
90
100
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6...
0
20
40
60
80
100
120
140
160
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6-16Years
From17YearstoOnwar...
0
10
20
30
40
50
60
70
80
90
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Yea...
0
20
40
60
80
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120
140
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6-16Year...
0
10
20
30
40
50
60
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5...
0
10
20
30
40
50
60
70
80
90 For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6-16Y...
0
10
20
30
40
50
60
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5...
0
10
20
30
40
50
60
70
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6-16Years
F...
0
2
4
6
8
10
12
14
77-78 79-80 81-82 83-84 85-86 87-88
2
3
7
12
14 14
Rs.inMillion
Year
Annual Reports
0
5
10
15
20
25
30
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Y...
0
10
20
30
40
50
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6-16Years
From17Y...
0
10
20
30
40
50
60
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5Years
From6+Years
For1-5...
0
10
20
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40
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100 For1-5Years
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For1-5Years
From6...
0
5
10
15
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50
For1-5Years
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For1-5Years
From6+Years
For1-5Years
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0
10
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60
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For1-5Years
From6+Years
For1-5Years
From6-16Years
From...
0
5
10
15
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0
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ONE TIME BONUS
ONE TIME BONUS @Rs.40/- PER THOUSAND SUM ASSURED PAYABLE ON DEATH OR MATURITY TO ALL WITH
PROFIT POLICIES I...
Corporate profile- State Life Insurance
Corporate profile- State Life Insurance
Corporate profile- State Life Insurance
Corporate profile- State Life Insurance
Corporate profile- State Life Insurance
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Corporate profile- State Life Insurance

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Corporate profile- State Life Insurance

  1. 1. The life insurance business in Pakistan was nationalized under a Presidential Order on 19th March 1972. It was executed in two stages. In the first stage which covered the period 19th March to 31 October 1972, the management of 32 life insurance companies were taken over by the government. Trustees and sub-trustees were appointed by the Government to takeover different companies and to co-ordinate and guide their activities.
  2. 2. The Government constituted Life Insurance Management Board (LIMB). The Board’s term included the task of recommending a permanent set up of life insurance within the framework of nationalization. The Board recommended establishing a single corporation with three units.
  3. 3. The second phase of nationalization started by establishment of Single Corporation called State Life Insurance Corporation of Pakistan with 3 Units called A, B, and C operating throughout Pakistan and competing with one another. On 1st October 1975, the 3 Units merged and different Zones were created. Initially there were five Zones with their Zonal offices at Karachi, Hyderabad, Lahore, Rawalpindi and Peshawar. The figure has increased to 26 Zones under four different Regions, South, Central, North and Multan headed by very competent Executives.
  4. 4. By the Grace of Allah the Almighty, State Life has made steady progress in all fields of its operations. The future is even brighter as the Corporation is making very positive strategies for not only maintaining its market leadership but displaying beyond any doubt that it deserves the matchless corporate image created during the last decades.
  5. 5.  To run life insurance business on sound lines.  To provide more efficient service to the policyholders.  To maximize the return to the policyholder by economizing expenses and increasing the yield on investment.  To make life insurance a more effective means of mobilizing national savings.  To widen the area of operation of life insurance and make it available to as large a section of the population as possible, extending it from the comparatively more affluent sections of society to the common man in towns and villages.  To use the policyholder’s fund in the wider interest of the community
  6. 6. “To remain the leading insurer in the country by extending the benefits of life insurance to all sections of society and meeting our commitments to our policyholders and the nation.” To ensure satisfaction of our valued policyholders in processing new business, providing after sales service and optimizing return on life fund through a quality culture and to maintain our position as the leading life insurer in Pakistan.
  7. 7. CHAIRMAN Executive Director Divisional Head Actuarial Divisional Head Personal & General Services Divisional Head Legal affairs Divisional Head Marketing Divisional Head Corporate Affairs Divisional Head Research and Analysis Executive Director Divisional Head Finance & Accounts Divisional Head Real Estate Operation Divisional Head P.H.S Inspection & Evaluation Executive Director Divisional Head Group & Pension Divisional Head Real Estate Inspection & Evaluation Divisional Head P.H.S Operation Executive Director Divisional Head Information Technology Divisional Head Internal Audit and Compliance Divisional Head Investment Bancassurance Cell
  8. 8. STATE LIFE BUILDING NO. #1A, 1B & IC I.I. Chundrigar Road STATE LIFE BUILDING NO. 1& Annex I.I. Chundrigar Road
  9. 9. STATE LIFE BUILDING NO. 2, 2A & 2B Wallace Road STATE LIFE BUILDING NO. 3 Dr. Ziauddin Ahmed Road
  10. 10. STATE LIFE BUILDING NO. 4 Shahreh Liaquat STATE LIFE BUILDING NO. 5B Zaibunnissa Street, Saddar
  11. 11. STATE LIFE BUILDING NO. 5 & 5A Abdullah Haroon Road STATE LIFE BUILDING NO. 9 , Principal Office, Dr. Ziauddin Road
  12. 12. STATE LIFE BUILDING NO. 11 Abdullah Haroon Road STATE LIFE BUILDING NO. 12 Abdullah Haroon Road
  13. 13. GUL CENTER 164 Hyderabad Cantt STATE LIFE BUILDING NO. 50 Thandi Sarak Hyderabad
  14. 14. STATE LIFE BUILDING Mirpurkhas
  15. 15. STATE LIFE BUILDING Quaid-e-Awam Road Larkana STATE LIFE BUILDING Minara Road Sukkur
  16. 16. STATE LIFE BUILDING Chowk Nawan Shahar Multan STATE LIFE BUILDING NO. 1 ,The Mall Rawalpindi
  17. 17. STATE LIFE BUILDING No. 9, 33-E , Buland Markaz Islamabad STATE LIFE BUILDING Plot NO. 7 - (Phase-1) Blue Area - Islamabad
  18. 18. STATE LIFE BUILDING No. 2 Liaquat Road Faisalabad
  19. 19. STATE LIFE BUILDING NO. 1 The Mall Peshawar STATE LIFE BUILDING 63-p Circular Road Dera Ismail Khan
  20. 20. TOTAL 06 *PROJECTS IN PLANNING
  21. 21. BUILDING COMPRISES OF 3 BASEMENTS + GROUND FLOOR + 18 UPPER FLOORS
  22. 22. BUILDING COMPRISES OF BASEMENTS + GROUND FLOOR + 5 UPPER FLOORS
  23. 23. BUILDING COMPRISES OF BASEMENTS + GROUND FLOOR + 4 UPPER FLOORS
  24. 24. BUILDING COMPRISES OF BASEMENTS + GROUNDFLOOR + 4 UPPER FLOORS
  25. 25. S.# City No. of buildings Inherited Purchased Constructed 1. Karachi 22 17 05* 2. Hyderabad 03 01 02 3. Sukkur 01 00 01 4. Larkana 01 00 01 5. Mirpurkhas 01 00 01 6. Multan 01 00 01 7. Faisalabad 02 01 01 8. Lahore 09 07 02 9. Gujrat 01 00 01 10. RawalPindi 04 03 01 11. Islamabad 05 00 05 12. D.I.Khan 01 00 01 13. Peshawar 01 00 01 TOTAL 52 29 23 * One building owned by State Life Subsidiary
  26. 26. 1. Karachi 09 07 02 2. Lahore 03 03 00 3. Quetta 0 00 01 4. Resorts and Hut 03 03 00 S.# City No. of buildings Inherited Purchased Total 16 13 03
  27. 27. 1. Karachi 05 01 04* 2. Lahore 03 02 01 3. Islamabad 02 01 01 4. Mirpur ( A.K.) 02 00 02 5. Sahiwal 01 00 01 6. R.Y Khan 01 00 01 7. Sialkot 01 00 01 8. Nawab Shah 01 00 01 9. Gujranwala 01 00 01 10. Sargodha 01 00 01 S.# City No. of buildings Inherited Purchased Constructed TOTAL 18 04 14 * One plot owned by State Life Subsidiary
  28. 28. 1. Karachi 22 1,442,463 2. Hyderabad 03 136,192 3. Sukkur 01 20,560 4. Larkana 01 30,000 5. Mirpurkhas 01 35,815 6. Multan 01 29,006 7. Faisalabad 02 95,892 8. Lahore 09 333,821 9. Gujrat 01 70,500 10. RawalPindi 04 56,433 11. Islamabad 05 213,234 12. D.I.Khan 01 37,000 13. Peshawar 01 145,423 S.# City No. of buildings Rentable area ( Sft) TOTAL 52 2,646,339 SFT
  29. 29. 48.2 110 846.2 2026.3 1040.7 2805.7 3327.2 3853.5 5158.6 7196.3 0 1000 2000 3000 4000 5000 6000 7000 8000 1973 1980 1990 1995 2000 2005 2006 2007 2008 2009 Scale YEAR SOURCE: 37th Annual Report 2009
  30. 30. 218.9 364.5 2266.5 3935.1 4537.8 8454.3 9784.8 12053.6 13993.5 17656.9 0 2000 4000 6000 8000 10000 12000 14000 16000 18000 20000 1973 1980 1990 1995 2000 2005 2006 2007 2008 2009 Scale YEAR SOURCE: 37th Annual Report 2009
  31. 31. 49.6 163.5 642.4 1177.5 1102 2547.9 2865.8 2795.7 3532.2 3490.8 0 500 1000 1500 2000 2500 3000 3500 4000 1973 1980 1990 1995 2000 2005 2006 2007 2008 2009 Scale YEAR SOURCE: 37th Annual Report 2009
  32. 32. 316.7 638 3755.1 7138.9 6680.5 13820.1 15991.6 18716.7 22695.3 28366.9 0 5000 10000 15000 20000 25000 30000 1973 1980 1990 1995 2000 2005 2006 2007 2008 2009 Scale YEAR SOURCE: 37th Annual Report 2009
  33. 33. 0 20000 40000 60000 80000 100000 120000 140000 160000 180000 200000 1973 1980 1990 1995 2000 2005 2006 2007 2008 2009 1493.7 3111.3 16320.8 39338.7 68127 122775.2 137959.8 156737.3 177459.1 199445.3 Scale YEAR SOURCE: 37th Annual Report 2009
  34. 34. 0 2 4 6 8 10 12 14 16 1973 1980 1990 1995 2000 2005 2006 2007 2008 2009 6.6 10 13.6 14.9 12.8 12 12.1 12.6 12.2 12.1 Scale YEAR SOURCE: 37th Annual Report 2009
  35. 35. 0 500000 1000000 1500000 2000000 2500000 3000000 1973 1980 1990 1995 2000 2005 2006 2007 2008 2009 357413 413231 1297879 2034969 1878139 2044015 2183783 2348791 2568698 2895354 Scale Year SOURCE: 37th Annual Report 2009
  36. 36. (1977 TO 2009)
  37. 37. 0 10 20 30 40 50 60 70 80 90 100 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years 77-78 79-80 81-82 83-84 85-86 87-88 89-90 91-92 93-94 95-96 97-98 99-2000 33 35 38 45 46 50 50 67 52 74 52 79 52 84 54 91 56 98 Annual Reports
  38. 38. 0 20 40 60 80 100 120 140 160 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6-16Years From17YearstoOnwards For1-5Years From6-16Years From17YearstoOnwards 2001-2003 2004-2005 2006 2007-2009 56 102 56 102 56 102 150 60 110 150 Annual Reports
  39. 39. 0 10 20 30 40 50 60 70 80 90 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years 77-78 79-80 81-82 83-84 85-86 87-88 89-90 91-92 93-94 95-96 97-98 26 28 33 38 39 42 42 59 44 66 44 71 44 76 46 83 Rs.inMillion Year Annual Reports
  40. 40. 0 20 40 60 80 100 120 140 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6-16Years From17YearstoOnwards For1-5Years From6-16Years From17YearstoOnwards 99-2000 2001-2003 2004-2005 2006 2007-2009 48 90 48 94 48 94 48 94 130 50 94 130 Rs.inMillion Year Annual Reports
  41. 41. 0 10 20 30 40 50 60 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years 77-78 79-80 81-82 83-84 85-86 87-88 89-90 91-92 93-94 95-96 97-98 18 19 22 26 27 29 29 46 16 38 16 43 16 48 18 55 Rs.inMillion Year Annual Reports
  42. 42. 0 10 20 30 40 50 60 70 80 90 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6-16Years From17YearstoOnwards For1-5Years From6-16Years From17YearstoOnwards 99-2000 2001-2003 2004-2005 2006 2007-2009 20 62 20 66 20 66 20 66 81 35 81 81 Rs.inMillion Year Annual Reports
  43. 43. 0 10 20 30 40 50 60 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years 77-78 79-80 81-82 83-84 85-86 87-88 89-90 91-92 93-94 95-96 97-98 12 12 12 12 13 14 14 31 16 38 16 43 16 48 18 55 Rs.inMillion Year Annual Reports
  44. 44. 0 10 20 30 40 50 60 70 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6-16Years From17YearstoOnwards For1-5Years From6-16Years From17YearstoOnwards 99-2000 2001-2003 2004-2005 2006 2007-2009 20 62 20 66 20 66 20 66 20 66 Rs.inMillion Year Annual Reports
  45. 45. 0 2 4 6 8 10 12 14 77-78 79-80 81-82 83-84 85-86 87-88 2 3 7 12 14 14 Rs.inMillion Year Annual Reports
  46. 46. 0 5 10 15 20 25 30 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years 77-78 79-80 81-82 83-84 85-86 87-88 89-90 91-92 93-94 95-96 97-98 20 20 20 20 20 20 20 20 20 20 20 20 30 30 Rs.inMillion Year Annual Reports
  47. 47. 0 10 20 30 40 50 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6-16Years From17YearstoOnwards For1-5Years From6-16Years From17YearstoOnwards 99-2000 2001-2003 2004-2005 2006 2007-2009 30 30 30 30 50 50 50 50 50 50 50 50 Rs.inMillion Year Annual Reports
  48. 48. 0 10 20 30 40 50 60 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years 77-78 79-80 81-82 83-84 85-86 87-88 89-90 91-92 93-94 95-96 97-98 26 26 26 26 26 28 29 29 31 36 31 46 31 51 33 58 Rs.inMillion Year Annual Reports
  49. 49. 0 10 20 30 40 50 60 70 80 90 100 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6-16Years From17YearstoOnwards For1-5Years From6-16Years From17YearstoOnwards 99-2000 2001-2003 2004-2005 2006 2007-2009 35 65 35 69 35 69 35 69 100 35 69 100 Rs.inMillion Year Annual Reports
  50. 50. 0 5 10 15 20 25 30 35 40 45 50 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years 77-78 79-80 81-82 83-84 85-86 87-88 89-90 91-92 93-94 95-96 97-98 18 18 18 18 18 18 19 19 21 26 21 36 21 41 23 48 Rs.inMillion Year Annual Reports
  51. 51. 0 10 20 30 40 50 60 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6-16Years From17YearstoOnwards For1-5Years From6-16Years From17YearstoOnwards 99-2000 2001-2003 2004-2005 2006 2007-2009 25 55 25 59 25 59 25 59 59 25 59 59 Rs.inMillion Year Annual Reports
  52. 52. 0 5 10 15 20 25 30 35 40 45 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years 77-78 79-80 81-82 83-84 85-86 87-88 89-90 91-92 93-94 95-96 97-98 12 12 12 12 12 12 13 13 15 20 15 30 15 35 17 42 Rs.InMillion Year Annual Reports
  53. 53. 0 10 20 30 40 50 60 For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6+Years For1-5Years From6-16Years From17YearstoOnwards For1-5Years From6-16Years From17YearstoOnwards 99-2000 2001-2003 2004-2005 2006 2007-2009 19 49 19 53 19 53 19 53 19 53 Rs.InMillion Year Annual Reports
  54. 54. 0 20 40 60 80 100 120 140 160 For 1-5 Years From 6 + Years For 1-5 Years From 6 + Years For 1-5 Years From 6 -16 Years From 17 Years to Onwards For 1-5 Years From 6 -16 Years From 17 Years to Onwards 2001-2003 2004-2005 2006 2007-2009 56 102 56 102 56 102 150 60 110 150 Annual Reports
  55. 55. ONE TIME BONUS ONE TIME BONUS @Rs.40/- PER THOUSAND SUM ASSURED PAYABLE ON DEATH OR MATURITY TO ALL WITH PROFIT POLICIES INFORCE AS AT 31.12.94 AND OTHERWISE QUALIFIES GOLDEN JUBILEE BONUS GOLDEN JUBILEE BONUS @RS.50/- PER THOUSAND SUM ASSURED PAYABLE ON DEATH OR MATURITY TO ALL WITH PROFIT POLICIES INFORCE AS 31.12.96 AND OTHERWISE QAUALIFIES MILLENNIUM BONUS MILLENNIUM BONUS @RS.51/- PER THOUSAND SUM ASSURED PAYABLE ON DEATH OR MATURITY TO ALL WITH PROFIT POLICIES INFORCE AS AT 31.12.2000 AND OTHERWISE QUALIFIES 30TH ANNIVERSARY BONUS FOR WHOLE LIFE AND ENDOWMENT POLICIES, @RS.48/- PER THOUSAND SUM ASSURED FOR EACH YEAR'S PREMIUM PAID TILL DECEMBER 31, 2002 IN EXCESS OF 10 YEARS. SUBJECT TO A MAXIMUM OF RS.480/- PER THOUSAND SUM ASURED FOR ANTICIPATED ENDOWMENT POLICIES, THE RATE OF THIS BONUS WILL BE RS.24/- PER THOUSAND. SUM ASSURED FOR EACH YEAR'S PREMIUM PAID TILL DECEMBER 2002 IN EXCESS OF 10 YEARS SUBJECT TO A MAXIMUM OF RS.240/- PER THOUSAND SUM ASSURED. TERMINAL/LOYALTY TERMINAL BONUS FOR PAID-UP POLICIES (1). PAID-UP POLICIES (WHOLE LIFE AND ENDOWMENT) TERMINATING BY WAY OF DEATH OR MATIRITY IN 2010, WILL GET TERMINAL BONUS SUBJECT TO TERMS MENTIONDED BELOW: (a). THE POLICY HAS BEEN ON THE BOOKS FOR MORE THAN 10 YEARS (b). THE RATE WILL BE RS.50/- PER THOUSAND PAID-UP SUM ASSURED FOR EACH YEAR IN EXCESS OF 10 YEARS SUBJECT TO A MAXIMUM OF RS.1,000/- PER THOUSAND PAID-UP SUM ASSURED. OTHER BONUSES

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