* Provided that within the first 5 policy years,
a) premiums for the plan have been paid on or before every due date during the grace period; and
b) premium holiday has never been exercised; and
c) there is no withdrawal of Account Value and any requests which cause increment in the insurance charge or reduction in the existing or future Account Value.
** The campaign period will be announced from time to time.
*** Depending on the age and medical condition of the insured.
**** Maximum per life for all life policies issued by the Company or other insurer/takaful operator, inclusive of any other supplementary contract and/or riders. If the sum assured is above this limit, the remaining sum assured will be payable upon death of the life assured, or at policy maturity, whichever occurs earlier.