Charges such as service tax / GST (for J&K residents)/cess will be charged at the rates notified by the Central or State government on the following: For traditional plans: Base premium. Rider premium. Other charges depending on the features of the product in question. For ULIPs: Mortality charges. Policy administration charges. Fund management charges. Discontinuance / Surrender charges. Partial withdrawal charges. Other charges depending on the features of the product in question.