There is a Premium Back variant available under this product which is available at policy inception and cannot be selected at a later stage during the policy term. Under the Premium Back variant, if the Life Insured survives throughout the policy term, 100% of the Total Premiums Paid plus underwriting extra premiums, if any, under the base policy only will be paid at the end of the policy term and the policy will terminate. Any additional premium charged for optional benefits (ACI benefit and Accident cover option) or riders will not be returned back at maturity under this variant. This benefit is available with all Death Benefit variants and across all Premium Payment Terms and Policy Terms.