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The above mentioned premium rate is for 1 crore of life cover for a 25 year old healthy male for a policy term of 15 years with regular income payout option. The annual premium amount for this assumption will be 6036 and monthly premium will be 504. The above mentioned premium rate is for 50 lakhs of life cover and 10 lakhs of accelerated critical illness cover for a 25 year old healthy male for a policy term of 15 years with lumpsum payout option. The annual premium amount for this assumption will be 5846 and monthly premium will be 489. The above mentioned premium rate is for 1 crore of life cover and 10 lakhs of accelerated critical illness cover for a 25 year old healthy male for a policy term of 15 years with regular income payout option.