The PROMC enhances your ULIP returns by periodically adding back the mortality charges to the fund value. The first addition is when you, as a policyholder attain 60 years of age or at the end of the 15th policy year, whichever is later. The next additions are at the end of each subsequent 10th year, and the last addition is on the date of maturity. However, PROMC is not applicable in case of a surrendered, discontinued or paid-up policy and will be payable provided all due premiums under your ULIP plan have been paid up to date.