No, the return on the premium is distinctive in every plan – ·        Classic – 100% of the total paid premiums excluding the underwriting additional premiums (if any). ·        Step-up – A proportion of complete paid premiums. It is after excluding the underwriting additional premiums (if any) based on Policy Term picked by the Policyholder. ·        Comprehensive – 100% of the paid premiums except for additional security premiums and underwriting additional premiums (if any).