DYNAMIC ENDOWMENT POLICY

This policy is specially designed as a hedge against inflation. The policyholder

has the option to increase his Sum Assured periodically without the need for

further evidence of good health.

The plan is designed for select periods of 15 and 20 years. The policyholder can

choose either of these select periods.

Where a select period of 15 years is chosen, premium and Sum Assured will increase

by 25% of their original amounts at intervals of three years.

Similarly, the premium and Sum Assured increase by 25% of their original amounts

at four years interval where the policyholder opts for a select period of 20 years.

In either of the two select periods, the premium and Sum Assured will be twice the

original level at maturity.

The policyholder can decide not to increase the cover, in which case the premium

and Sum Assured remain the same.

A declaration of good health will be required if:

· For a 20-year select period, the policyholder decides to increase his premium

and Sum Assured after 12 years.

· For a 15-year select period, the policyholder opts for an increase after the 9^th year of the policy.

As an alternative, the policyholder could pay a flat annual premium and the Sum Assured will still

increase automatically at regular intervals.