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{"sheet":"Changelog","index":0,"n_rows":10,"n_cols":5,"rows_kept":10,"cut":false,"hidden":true,"merged":[]}
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["Sr. No.","Description","Date","Doer","Checker"]
[1,"Included annuity rates for NROP, ROP, Deferred Annuity options for SL and JL Rate A, Rate B, Rate C, Rate D, Rate E. Refer sheet Annuity Rate Single Life and Annuity Rates Joint Life","2023-05-26","Bhalchandra"]
[2,"Modified formula to calculate annuity. Refer sheet Details (Cell B21 to F23) and Cell C28 to D32","2023-05-26","Bhalchandra"]
[3,"Purchase price limit change Rate A (199999), Rate B (499999), Rate C (999999), Rate D (2499999), Rate E (25L and above)","2023-05-26","Bhalchandra"]
[4,"Update the rate for Option 2- Immediate Annuity ROP SL/JL","2023-06-13","Dhwani","Bhalchandra"]
[5,"Update the rate for Option 1- Immediate Annuity NROP  SL/JL","2023-07-26","Dhwani","Bhalchandra"]
[6,"Update F1, F2 & F3 factors in details sheet ","2023-07-28","Dhwani","Bhalchandra"]
[7]

{"sheet":"Corpus Calculation","index":1,"n_rows":7,"n_cols":3,"rows_kept":7,"cut":false,"hidden":false,"merged":[]}
[]
[]
[null,"Corpus Amount",{"$f":"Input!C20","v":5000000}]
[null,"GST",{"$f":"Input!J23","v":88409}]
[null,"Corpus Amount net of GST",{"$f":"C3-C4","v":4911591}]
[null,"Discount",{"$f":"Input!AM26","v":"NA"}]
[null,"Corpus Amount net of GST and disocunt",{"$f":"C5+IF(C6=\"NA\",0,C6)","v":4911591}]

{"sheet":"Input","index":2,"n_rows":148,"n_cols":44,"rows_kept":148,"cut":false,"hidden":false,"merged":[[18,2,18,5],[19,2,19,5],[24,2,24,5],[25,2,25,5],[21,2,21,5],[22,2,22,5],[14,2,14,5],[7,2,7,5],[8,2,8,5],[3,2,3,11],[15,9,16,9],[15,11,16,11],[10,2,10,5],[11,5,12,5],[11,7,12,7],[11,9,12,9],[11,11,12,11],[15,5,16,5],[15,7,16,7],[8,7,8,11]]}
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[]
[]
[null,null,"Annuity Calculator",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"proposal no"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12345,null,null,null,null,null,null,null,"Policyholder registered under GST ","Yes"]
[null,null,null,null,null,null,"Start point","S",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yes","A","Y",1,null,{"$f":"IF(H12=\"Male\",\"M\",\"F\")","v":"M"},null,null,null,null,null,"Occ Class",1,null,null,null,"Tata AIA GST registered state","Kerala"]
[null,null,null,null,null,null,"Option ","R",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No","S","N",{"$f":"AD6+1","v":2},null,{"$f":"IF(H16=\"Male\",\"M\",\"F\")","v":"F"},null,null,"Yearly","A",null,"Occ Load type",1,null,null,null,"Policyholder State","Kerala"]
[null,null,"Proposal Date",null,null,null,"Holiday",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kerala","Q",null,{"$f":"AD7+1","v":3},null,{"$f":"IF(J12=\"Single Life\",\"SL\",\"JL\")","v":"JL"},null,null,"Half-Yearly","S",null,"Occ load value",0,null,null,null,"Indicator",{"$f":"IF(AR5=\"Yes\",0,IF(AND(AR6=\"Kerala\",AR7=\"Kerala\"),1,0))","v":0}]
[null,null,{"$f":"TODAY()","v":"2024-02-05"},null,null,null,null,{"$f":"IF(OR(F12<45,IF(J12=\"Joint Life\",F16,F12)<45,F12>85,IF(J12=\"Joint Life\",F16,F12)>85),\"Error: Entry Age should be between 45 years and 85 years\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Other","M",null,4,null,{"$f":"VLOOKUP(J20,$AI$7:$AJ$10,2,0)","v":"A"},null,null,"Quarterly","Q"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,null,null,null,null,"Monthly","M"]
[null,null,"Primary Life DOB",null,null,null,null,"Gender",null,"Calculator Options",null,"Yearly Annuity Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,null,{"$f":"VLOOKUP(H20,$AI$12:$AJ$14,2,0)","v":3},null,null,null,null,null,"Starting point","Purchase Price",null,null,null,"Whether Employee of Tata & AIA Group","No"]
[null,null,10,5,1965,{"$f":"DATEDIF(DATE(E12,D12,C12),$C$9,\"Y\")","v":58},null,"Male",null,"Joint Life",null,{"$f":"AN33","v":7.9910800000000004E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,null,null,null,null,"Immediate Life Annuity Option",1,null,null,null,null,null,null,"Online rebate/ Group Purchase discount","Yes"]
[null,null,"DD","MM","YYYY",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,null,{"$f":"IF(AR11=\"Yes\",\"Y\",\"N\")","v":"N"},null,null,"Immediate Life Annuity with Return of Purchase Price Option",2,null,"Purchase Price",{"$f":"AM19","v":4911591}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9,null,{"$f":"IF(AR12=\"Yes\",\"Y\",\"N\")","v":"Y"},null,null,"Deferred Life Annuity with Return of Purchase Price Option",3,null,"Annuity",20000]
[null,null,"Joint Life DOB",null,null,null,null,"Joint Life Gender",null,"Source of Annuity Investment",null,{"$f":"J20&\" Annuity Rate\"","v":"Yearly Annuity Rate"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10]
[null,null,10,5,1965,{"$f":"DATEDIF(DATE(E16,D16,C16),$C$9,\"Y\")","v":58},null,"Female",null,"Superannuation Fund",null,{"$f":"VLOOKUP(J20,$AL$33:$AN$36,3,0)","v":7.9910800000000004E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PT",{"$f":"117-IF(Life=\"SL\",xl_insage,MIN(xl_insage,xl_ownage))","v":59}]
[null,null,"DD","MM","YYYY",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Option",{"$f":"IF(xl_polopt=1,\"NROP\",IF(xl_polopt=2,\"ROP\",\"DEF\"&Def_Yrs))","v":"DEF2"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Primary life Age",{"$f":"F12","v":58}]
[null,null,"Purchase Price (Inclusive of Tax)",null,null,null,null,"Annuity options",null,"Annuity Frequency",null,"Deferred years",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Joint life Age",{"$f":"F16","v":58},null,null,null,null,"Corpus Fund after allowing for discount and GST",{"$f":"ROUND((C20/IF(XL_Staffdisc=\"Y\",0.98,1))/(1+Details!$G$9),0)","v":4911591}]
[null,null,5000000,null,null,null,null,"Deferred Life Annuity with Return of Purchase Price Option",null,"Yearly",null,2]
[]
[null,null,"Annuity Amount",null,null,null,null,{"$f":"J20&\" Annuity\"","v":"Yearly Annuity"},null,"Applicable Tax",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Deferred years (Opt 3)",{"$f":"IF(xl_polopt=3,DEF_YR_INPUT,0)","v":2}]
[null,null,{"$f":"AM23","v":399554},null,null,null,null,{"$f":"AM24","v":399554},null,{"$f":"AM27","v":88409},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Annual Annuity Amount",{"$f":"Details!G23","v":399554}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"J20&\" Annuity Amount\"","v":"Yearly Annuity Amount"},{"$f":"Output!D19","v":399554}]
[null,null,"Primary Life First Name",null,null,null,null,"Primary Life Last Name",null,"Joint Life First Name",null,"Joint Life Last Name",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Base premium Before GST & Applicable discount",{"$f":"IF(AM11=\"Annuity\",Details!D35,Input!AM13)","v":4911591}]
[null,null,"ABC",null,null,null,null,"xyz",null,"xyz",null,"abc",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Applicable discount on Premium",{"$f":"IF(XL_Staffdisc=\"Y\",xl_premium*(1-0.98),\"NA\")","v":"NA"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Applicable taxes, cesses & levies on Premium",{"$f":"Output!D17","v":88409}]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yearly annuity rate as per mode:","Before GST and applicable discount","After GST and applicable discount"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Yearly",{"$f":"(Details!$G$23*Details!C13)/$AM$13","v":8.1349200289682094E-2},{"$f":"(Details!$G$23*Details!C13)/$C$20","v":7.9910800000000004E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Half-Yearly",{"$f":"(Details!$G$23*Details!C14)/$AM$13","v":7.9722216283888453E-2},{"$f":"(Details!$G$23*Details!C14)/$C$20","v":7.8312583999999991E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Quarterly",{"$f":"(Details!$G$23*Details!C15)/$AM$13","v":7.8908724280991632E-2},{"$f":"(Details!$G$23*Details!C15)/$C$20","v":7.7513475999999998E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly",{"$f":"(Details!$G$23*Details!C16)/$AM$13","v":7.8095232278094812E-2},{"$f":"(Details!$G$23*Details!C16)/$C$20","v":7.6714367999999991E-2}]
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[]
[null,null,"Riders","Rider","Premium","Coverage","UIN","Rider Coverage Term"]
[null,null,{"$f":"IF(ISNA(VLOOKUP(1,$C$119:$D$135,1,FALSE)),\"\",VLOOKUP(1,$C$119:$D$135,1,FALSE))","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(1,$C$119:$D$135,2,FALSE)),\"\",VLOOKUP(1,$C$119:$D$135,2,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(1,$C$116:$H$139,4,FALSE)),\"\",VLOOKUP(1,$C$116:$H$139,4,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(1,$C$116:$H$139,5,FALSE)),\"\",VLOOKUP(1,$C$116:$H$139,5,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(C100,$C$116:$I$123,6,FALSE)),\"\",VLOOKUP(C100,$C$116:$I$123,6,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(C100,$C$116:$I$123,7,FALSE)),\"\",VLOOKUP(C100,$C$116:$I$123,7,FALSE)),\"\")","v":""}]
[null,null,{"$f":"IF(ISNA(VLOOKUP(2,$C$119:$D$135,1,FALSE)),\"\",VLOOKUP(2,$C$119:$D$135,1,FALSE))","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(2,$C$119:$D$135,2,FALSE)),\"\",VLOOKUP(2,$C$119:$D$135,2,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(2,$C$116:$H$139,4,FALSE)),\"\",VLOOKUP(2,$C$116:$H$139,4,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(2,$C$116:$H$139,5,FALSE)),\"\",VLOOKUP(2,$C$116:$H$139,5,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(C101,$C$116:$I$123,6,FALSE)),\"\",VLOOKUP(C101,$C$116:$I$123,6,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(C101,$C$116:$I$123,7,FALSE)),\"\",VLOOKUP(C101,$C$116:$I$123,7,FALSE)),\"\")","v":""}]
[null,null,{"$f":"IF(ISNA(VLOOKUP(3,$C$119:$D$135,1,FALSE)),\"\",VLOOKUP(3,$C$119:$D$135,1,FALSE))","v":""},{"$f":"IF(ISNA(VLOOKUP(3,$C$119:$D$135,2,FALSE)),\"\",VLOOKUP(3,$C$119:$D$135,2,FALSE))","v":""},{"$f":"IF(xl_insoccclass<5,IF(ISNA(VLOOKUP(3,$C$116:$H$139,4,FALSE)),\"\",VLOOKUP(3,$C$116:$H$139,4,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<5,IF(ISNA(VLOOKUP(3,$C$116:$H$139,5,FALSE)),\"\",VLOOKUP(3,$C$116:$H$139,5,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<5,IF(ISNA(VLOOKUP(C102,$C$116:$I$123,6,FALSE)),\"\",VLOOKUP(C102,$C$116:$I$123,6,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<=$B$118,IF(ISNA(VLOOKUP(C102,$C$116:$I$123,7,FALSE)),\"\",VLOOKUP(C102,$C$116:$I$123,7,FALSE)),\"\")","v":""}]
[null,null,{"$f":"IF(ISNA(VLOOKUP(4,$C$119:$D$135,1,FALSE)),\"\",VLOOKUP(4,$C$119:$D$135,1,FALSE))","v":""},{"$f":"IF(ISNA(VLOOKUP(4,$C$119:$D$135,2,FALSE)),\"\",VLOOKUP(4,$C$119:$D$135,2,FALSE))","v":""},{"$f":"IF(xl_insoccclass<5,IF(ISNA(VLOOKUP(4,$C$116:$H$139,4,FALSE)),\"\",VLOOKUP(4,$C$116:$H$139,4,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<5,IF(ISNA(VLOOKUP(4,$C$116:$H$139,5,FALSE)),\"\",VLOOKUP(4,$C$116:$H$139,5,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<5,IF(ISNA(VLOOKUP(C103,$C$116:$I$123,6,FALSE)),\"\",VLOOKUP(C103,$C$116:$I$123,6,FALSE)),\"\")","v":""}]
[null,null,{"$f":"IF(ISNA(VLOOKUP(5,$C$119:$D$135,1,FALSE)),\"\",VLOOKUP(5,$C$119:$D$135,1,FALSE))","v":""},{"$f":"IF(ISNA(VLOOKUP(5,$C$119:$D$135,2,FALSE)),\"\",VLOOKUP(5,$C$119:$D$135,2,FALSE))","v":""},{"$f":"IF(xl_insoccclass<5,IF(ISNA(VLOOKUP(5,$C$116:$H$139,4,FALSE)),\"\",VLOOKUP(5,$C$116:$H$139,4,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<5,IF(ISNA(VLOOKUP(5,$C$116:$H$139,5,FALSE)),\"\",VLOOKUP(5,$C$116:$H$139,5,FALSE)),\"\")","v":""},{"$f":"IF(xl_insoccclass<5,IF(ISNA(VLOOKUP(C104,$C$116:$I$123,6,FALSE)),\"\",VLOOKUP(C104,$C$116:$I$123,6,FALSE)),\"\")","v":""}]
[]
[null,null,"Rider Validation(ADDL +WOPP)",0,{"$f":"+IF(D106=\"ERROR\",\"ADDL Rider premium exceeds 30% of base premium \",\"\")","v":""}]
[null,null,"Term Rider option (Lumpsum/Income)","Income"]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Control"]
[null,null,"Version"]
[null,null,"Version1"]
[null,{"$f":"+MAX(B119:B121)","v":0},"Order","Riders Attachable:","Selected / Not Selected","Premium","Sum Assured","UIN","Rider Coverage Term"]
[null,{"$f":"4*xl_ADDL","v":0},null,"Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Rider"]
[null,{"$f":"5*xl_wopp","v":0},null,"**Tata AIA Life Insurance Waiver of Premium Plus Rider"]
[null,{"$f":"5*xl_Term","v":0},null,"Tata AIA Life Insurance Term Rider***"]
[]
[]
[null,null,"Agent Code"]
[null,null,"Agent Name "]
[]
[]
[null,null,"Distribution channel",1,1,"Referral / Direct Mkt"]
[null,null,null,null,"2A","Agency"]
[null,null,null,null,"2C","Corporate Agents"]
[null,null,null,null,3,"Brokers"]
[null,null,null,null,4,"Online"]
[]
[null,null,"Name","Tata AIA Life Insurance Company Ltd. (IRDA of India Regn. No. 110) CIN - U66010MH2000PLC128403"]
[null,null,"Coadd","Registered and Corporate  Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai- 400013"]
[null,null,"Help","For more information, Call the Tata AIA Life Insurance Company Ltd Helpline number 1860-266-9966 (Local Charges apply) or Visit us at: www.tataaia.com or SMS 'LIFE' to 58888"]
[]
[null,null,"Date of Birth of Insured"]
[null,null,"Date of Birth of Proposer"]
[null,null,"NSAP"]
[]
[null,null,"Year of reduced paid-up",5]
[]
[null,null,"Tax Slab",0.1]
[]
[null,null,"Sec 80c",150000]
[]
[null,null,"Surcharge Edu Cess",0.03]

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[]
[]
[]
[]
[]
[]
[null,null,"Name of the Prospect/Policyholder : ",{"$f":"Output!C8","v":"ABC xyz"},null,null,null,null,null,null,null,null,"Proposal No : ",{"$f":"xl_prpno","v":12345}]
[null,null,"Age (years) : ",{"$f":"Output!D8","v":58},null,null,"Gender: ",{"$f":"Output!E8","v":"Male"},null,null,null,null,"Name of the Product : ","Tata AIA Life Insurance Smart Annuity Plan"]
[null,null,"Name of the Primary Annuitant : ",{"$f":"D7","v":"ABC xyz"},null,null,null,null,null,null,null,null,"Tag Line : ","A Non-Linked Non-Participating Annuity plan"]
[null,null,"Age (years) : ",{"$f":"D8","v":58},null,null,"Gender: ",{"$f":"H8","v":"Male"},null,null,null,null,"Unique Identification No.: ","110N150V04"]
[null,null,"Name of the Secondary Annuitant : ",{"$f":"Output!C9","v":"xyz abc"},null,null,null,null,null,null,null,null,"GST Rate : ",{"$f":"IF(Input!AR8=1,1.9%,1.8%)","v":1.8000000000000002E-2}]
[null,null,"Age (years) : ",{"$f":"Output!D9","v":58},null,null,"Gender: ",{"$f":"IF(D13=\"Joint Life\",Output!E9,\"NA\")","v":"Female"}]
[null,null,"Single/ Joint Life : ",{"$f":"Output!E14","v":"Joint Life"}]
[null,null,"Premium Payment Term (years) : ","Single Premium"]
[null,null,"Purchase Price (Rs.) : ",{"$f":"Output!D16","v":4911591}]
[]
["This benefit illustration is intended to show year-wise premiums payable and benefits under the policy."]
[]
["Policy Details"]
["Policy Option",null,null,{"$f":"Output!D13","v":"Deferred Life Annuity with Return of Purchase Price"},null,null,null,null,"Annuity Frequency",null,null,null,null,{"$f":"Output!D20","v":"Yearly"}]
["Deferment Period (years)",null,null,{"$f":"SIS!D15","v":2},null,null,null,null,"Annuity Payable (Rs.)",null,null,null,null,{"$f":"Output!D19","v":399554}]
[]
[]
["Premium Summary"]
[null,null,null,null,null,"Base Plan"]
["Instalment Premium without GST (Rs.)",null,null,null,null,{"$f":"Output!D16","v":4911591}]
["Instalment Premium with GST (Rs.)",null,null,null,null,{"$f":"Output!D18","v":5000000}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"(Amount in Rupees.)"]
["Policy Year","Single/ Annualised Premium",null,"Guaranteed",null,null,null,null,null,null,null,null,null,null,null,"Non - Guaranteed "]
[null,null,null,"Survival Benefit / Loyalty Additions\n",null,"Other Benefits, if any",null,"Maturity / Vesting Benefit",null,"Death Benefit",null,null,"Min Guaranteed Surrender Value",null,null,"Special Surrender Value"]
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[]
["Annuity payable p.a. based on prevailing annuity rates (Rs.)",null,null,null,null,null,null,null,null,{"$f":"Input!AM23","v":399554}]
["Annuity Option Selected",null,null,null,null,null,null,null,null,{"$f":"D20","v":"Deferred Life Annuity with Return of Purchase Price"}]
[]
["Notes: "]
["1) The values shown above are for illustration purpose only. The actual annuity amount receivable depends on the prevailing annuity rates."]
["2) Annualised premium excludes underwriting extra premium, frequency loadings on premiums, the premium paid towards the riders, if any, and Goods and Services Tax."]
["3) Refer the sales literature for explanation of terms used in this illustration. "]
[]
["I,…………………………  (name), have explained the premiums and benefits under the product fully to the prospect/ policyholder.",null,null,null,null,null,null,null,null,null,"I,…………………………  (name), having received the information with respect to the above, have understood the above statement before entering into the contract."]
[]
["Place:"]
["Date:",null,"Signature of Agent/ Intermediary/ Official",null,null,null,null,null,null,null,"Date:",null,"Signature of Prospect/ Policyholder"]
[]
["Tata AIA Life Insurance Company Ltd. (IRDA of India Regn No. 110) (CIN: U66010MH2000PLC128403)"]
["Registered and Corporate  Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai- 400013"]
["Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license."]
["For more information, Call the Tata AIA Life Insurance Company Ltd Helpline number1860-266-9966 (local charges apply) or Visit us at: www.tataaia.com or SMS 'LIFE' to 58888"]

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[]
[null,"BENEFIT ILLUSTRATION\nTata AIA Life Insurance Smart Annuity Plan"]
[null,"Tata AIA Life Insurance Smart Annuity Plan\nA Non-Linked Non-Participating Annuity plan",null,"Proposal No:"]
[null,"UIN: 110N150V06",null,"Proposal Date & Time:"]
[]
[null,"PERSONAL DETAILS"]
[null,"Annuitant Type","Name","Age (years)","Gender"]
[null,"Proposer / Annuitant/ Primary Annuitant",{"$f":"xl_insname&\" \"&Input!H26","v":"ABC xyz"},{"$f":"SIS!D8","v":58},{"$f":"Input!H12","v":"Male"}]
[null,"Joint Annuitant",{"$f":"xl_ownname&\" \"&Input!L26","v":"xyz abc"},{"$f":"SIS!D9","v":58},{"$f":"IF(E14=\"Single Life\",\"NA\",Input!H16)","v":"Female"}]
[]
[null,"YOUR PLAN DETAILS"]
[null,"Date Of Commencement",null,{"$f":"SIS!D12","v":"2024-02-05"}]
[null,"Plan Option",null,{"$f":"SIS!D13","v":"Deferred Life Annuity with Return of Purchase Price"}]
[null,"Single/Joint Life",null,null,{"$f":"SIS!E14","v":"Joint Life"}]
[null,"Deferment Period",null,{"$f":"SIS!D15","v":2}]
[null,"Purchase Price (excluding taxes)",null,{"$f":"SIS!D16","v":4911591}]
[null,"Applicable taxes, cesses & levies on Purchase Price",null,{"$f":"SIS!D17","v":88409}]
[null,"Purchase Price (including taxes)",null,{"$f":"SIS!D18","v":5000000}]
[null,"Annuity Payable",null,{"$f":"SIS!D19","v":399554}]
[null,"Annuity Frequency",null,{"$f":"SIS!D20","v":"Yearly"}]
[null,"First Annuity Date",null,{"$f":"SIS!D21","v":"2027-02-05"}]
[null,"Currency",null,"INR"]
[]
[null,"Projection of Values (For Illustration Only)"]
[null,"Policy Year","Guaranteed Benefit",null,"Non Guaranteed Benefit"]
[null,null,"Guaranteed Death Benefit","Guaranteed Surrender Value","Special Surrender Value"]
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[null,"Some benefits are guaranteed and some are non-guaranteed under this plan. The guaranteed and non-guaranteed benefits have been clearly marked ‘Guaranteed’ and ‘Non Guaranteed’ respectively in the illustration table above."]
[]
[null,"Notes:"]
[null,"1. This illustration is not an insurance contract. "]
[null,"2. The Annuity or Purchase Price will be calculated based on the Annuity Rates applicable as on the date of purchase of annuity. "]
[null,"3. The plan doesn't offer any Maturity benefit."]
[null,"4. The applicable taxes, cesses, and levies, levied by the goverment from time to time, if any, shall be collected separately over and above the policy premiums."]
[null,"5. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you."]
[null,"6. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. "]
[null,"7. Surrender value illustrated above is end of the policy year value. Surrender value may be revised depending on the prevailing market conditions."]
[]
[null,"Declaration:"]
[null,"Declaration of the Proposer/Annuitants",null,"Agent / Intermediary of Tata AIA Life Insurance Co. Ltd."]
[null,"I have understood the information in the benefit illustration mentioned above as explained to me by the intermediary or agent and I am affixing my signature for the proof.",null,"I have explained the information in the benefit illustration to the Proposer and he has understood the same. I am affixing my signature for the proof."]
[null,"Proposer's/Annuitant's/Primary Annuitant's Name:",null,"Agent/Intermediary Name:"]
[null,null,null,"Agent/Intermediary Number:"]
[null,"Proposer's/Annuitant's Signature:",null,"Agent/Intermediary Contact Number:"]
[null,null,null,"Agent/Intermediary Signature:"]
[null,"Date:",null,"Date:"]
[null,"IN CASE THE PROPOSER AFFIXES A THUMB IMPRESSION OR SIGNING IN VERNACULAR: \n\nI _____________________________________ holding ______________ (Identity Card type) ____________________ (Identity Card no.) hereby declare that I have explained the contents and benefits of the illustration to the Proposer in ______________ language and that the Proposer has affixed his/her signature/thumb impression on the illustration after fully understanding the contents thereof.\n\nWitness Signature: _____________   Signature/ Thumb Impression of Proposer: _____________   Signature of the Person making the Declaration: _______________"]
[]
[null,"Unique Reference Number - L&C/Advt/xxxx/xxx/xxx"]
[]
[null,"Tata AIA Life Insurance Company Ltd. (IRDAI Regn. No. 110); CIN: U66010MH2000PLC128403\nRegistered and Corporate  Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai- 400013\nFor any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com or SMS 'LIFE’ to 58888\n\n\n"]

{"sheet":"SIS","index":5,"n_rows":121,"n_cols":5,"rows_kept":121,"cut":false,"hidden":true,"merged":[[117,1,117,4],[118,1,118,4],[120,1,120,4],[108,1,108,4],[109,1,109,2],[109,3,109,4],[110,1,110,2],[110,3,110,4],[116,1,116,4],[106,1,106,4],[32,3,32,4],[33,3,33,4],[34,3,34,4],[97,1,97,4],[99,1,99,4],[100,1,100,4],[101,1,101,4],[102,1,102,4],[103,1,103,4],[104,1,104,4],[105,1,105,4],[35,3,35,4],[36,3,36,4],[37,3,37,4],[38,3,38,4],[39,3,39,4],[40,3,40,4],[41,3,41,4],[42,3,42,4],[43,3,43,4],[49,3,49,4],[50,3,50,4],[51,3,51,4],[19,1,19,2],[19,3,19,4],[20,1,20,2],[20,3,20,4],[31,3,31,4],[21,1,21,2],[21,3,21,4],[22,1,22,4],[23,1,23,4],[24,3,24,4],[25,3,25,4],[26,3,26,4],[27,3,27,4],[28,3,28,4],[29,3,29,4],[30,3,30,4],[10,1,10,4],[1,1,1,4],[2,1,2,2],[3,1,3,2],[5,1,5,4],[9,1,9,4],[11,1,11,2],[11,3,11,4],[12,1,12,2],[12,3,12,4],[14,1,14,2],[14,3,14,4],[15,1,15,2],[15,3,15,4],[16,1,16,2],[16,3,16,4],[17,1,17,2],[17,3,17,4],[18,1,18,2],[18,3,18,4],[52,3,52,4],[53,3,53,4],[44,3,44,4],[45,3,45,4],[46,3,46,4],[47,3,47,4],[48,3,48,4],[59,3,59,4],[60,3,60,4],[61,3,61,4],[62,3,62,4],[63,3,63,4],[54,3,54,4],[55,3,55,4],[56,3,56,4],[57,3,57,4],[58,3,58,4],[69,3,69,4],[70,3,70,4],[71,3,71,4],[72,3,72,4],[73,3,73,4],[64,3,64,4],[65,3,65,4],[66,3,66,4],[67,3,67,4],[68,3,68,4],[79,3,79,4],[80,3,80,4],[81,3,81,4],[82,3,82,4],[83,3,83,4],[74,3,74,4],[75,3,75,4],[76,3,76,4],[77,3,77,4],[78,3,78,4],[94,3,94,4],[95,3,95,4],[96,3,96,4],[89,3,89,4],[90,3,90,4],[91,3,91,4],[92,3,92,4],[93,3,93,4],[84,3,84,4],[85,3,85,4],[86,3,86,4],[87,3,87,4],[88,3,88,4]]}
[]
[null,"BENEFIT ILLUSTRATION\nTata AIA Life Insurance Smart Annuity Plan"]
[null,"Tata AIA Life Insurance Smart Annuity Plan\nA Non-Linked Non-Participating Annuity plan",null,"Proposal No:"]
[null,"UIN: xxxxxxxxxx",null,"Proposal Date & Time:"]
[]
[null,"PERSONAL DETAILS"]
[null,"Annuitant Type","Name","Age (years)","Gender"]
[null,"Proposer / Annuitant/ Primary Annuitant",{"$f":"xl_insname","v":"ABC"},{"$f":"Input!xl_insage","v":58},{"$f":"Input!xl_inssex","v":"M"}]
[null,"Joint Annuitant",{"$f":"IF(Life=\"SL\",\"NA\",xl_ownname)","v":"xyz"},{"$f":"IF(Life=\"SL\",\"NA\",xl_ownage)","v":58},{"$f":"IF(Life=\"SL\",\"NA\",xl_ownsex)","v":"F"}]
[]
[null,"YOUR PLAN DETAILS"]
[null,"Date Of Commencement",null,{"$f":"TODAY()","v":"2024-02-05"}]
[null,"Plan Option",null,{"$f":"IF(xl_polopt=1,\"Immediate Life Annuity\",IF(xl_polopt=2,\"Immediate Life Annuity with Return of Purchase Price\",\"Deferred Life Annuity with Return of Purchase Price\"))","v":"Deferred Life Annuity with Return of Purchase Price"}]
[null,"Single/Joint Life",null,null,{"$f":"IF(Life=\"SL\",\"Single Life\", \"Joint Life\")","v":"Joint Life"}]
[null,"Deferment Period",null,{"$f":"IF(xl_polopt=3,Def_Yrs,\"NA\")","v":2}]
[null,"Purchase Price (excluding taxes)",null,{"$f":"Details!B37","v":4911591}]
[null,"Applicable taxes, cesses & levies on Purchase Price",null,{"$f":"ROUND(IF(Input!AR8=1,D16*1.9%,D16*1.8%),0)","v":88409}]
[null,"Purchase Price (including taxes)",null,{"$f":"D16+D17","v":5000000}]
[null,"Annuity Payable",null,{"$f":"Details!B7","v":399554}]
[null,"Annuity Frequency",null,{"$f":"VLOOKUP(Details!B5,Details!$A$13:$B$16,2,0)","v":"Yearly"}]
[null,"First Annuity Date",null,{"$f":"IF(Input!$AF$9=\"m\",EDATE($D$12,1+12*IF($D$15=\"NA\",0,$D$15)),IF(Input!$AF$9=\"q\",EDATE($D$12,3+12*IF($D$15=\"NA\",0,$D$15)),IF(Input!$AF$9=\"s\",EDATE($D$12,6+12*IF($D$15=\"NA\",0,$D$15)),EDATE($D$12,12+12*IF($D$15=\"NA\",0,$D$15)))))","v":"2027-02-05"}]
[null,"Currency",null,"INR"]
[]
[null,"Projection of Values (For Illustration Only)"]
[null,"Policy Year","Guaranteed Death Benefit","Non-Guaranteed Surrender Benefit"]
[null,1,{"$f":"IF(B26=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B26),0))","v":5402750.1000000006},{"$f":"IF(B26=\"\",\"\",OFFSET(Details!$AJ$3,12*$B26,0))","v":4186160.2834728602}]
[null,{"$f":"IF(B26>=XL_PT,\"\",B26+1)","v":2},{"$f":"IF(B27=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B27),0))","v":5710699},{"$f":"IF(B27=\"\",\"\",OFFSET(Details!$AJ$3,12*$B27,0))","v":4571042.0217000004}]
[null,3,{"$f":"IF(B28=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B28),0))","v":5402750.1000000006},{"$f":"IF(B28=\"\",\"\",OFFSET(Details!$AJ$3,12*$B28,0))","v":4572184.1629999997}]
[null,4,{"$f":"IF(B29=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B29),0))","v":5402750.1000000006},{"$f":"IF(B29=\"\",\"\",OFFSET(Details!$AJ$3,12*$B29,0))","v":4573817.4633999998}]
[null,5,{"$f":"IF(B30=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B30),0))","v":5402750.1000000006},{"$f":"IF(B30=\"\",\"\",OFFSET(Details!$AJ$3,12*$B30,0))","v":4576924.2411000002}]
[null,6,{"$f":"IF(B31=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B31),0))","v":5402750.1000000006},{"$f":"IF(B31=\"\",\"\",OFFSET(Details!$AJ$3,12*$B31,0))","v":4578491.2742999997}]
[null,7,{"$f":"IF(B32=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B32),0))","v":5402750.1000000006},{"$f":"IF(B32=\"\",\"\",OFFSET(Details!$AJ$3,12*$B32,0))","v":4577536.2448000005}]
[null,8,{"$f":"IF(B33=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B33),0))","v":5402750.1000000006},{"$f":"IF(B33=\"\",\"\",OFFSET(Details!$AJ$3,12*$B33,0))","v":4582541.3916999996}]
[null,9,{"$f":"IF(B34=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B34),0))","v":5402750.1000000006},{"$f":"IF(B34=\"\",\"\",OFFSET(Details!$AJ$3,12*$B34,0))","v":4584533.3168000001}]
[null,10,{"$f":"IF(B35=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B35),0))","v":5402750.1000000006},{"$f":"IF(B35=\"\",\"\",OFFSET(Details!$AJ$3,12*$B35,0))","v":4583020.8609999996}]
[null,11,{"$f":"IF(B36=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B36),0))","v":5402750.1000000006},{"$f":"IF(B36=\"\",\"\",OFFSET(Details!$AJ$3,12*$B36,0))","v":4586486.2633999996}]
[null,12,{"$f":"IF(B37=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B37),0))","v":5402750.1000000006},{"$f":"IF(B37=\"\",\"\",OFFSET(Details!$AJ$3,12*$B37,0))","v":4589951.6658000005}]
[null,13,{"$f":"IF(B38=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B38),0))","v":5402750.1000000006},{"$f":"IF(B38=\"\",\"\",OFFSET(Details!$AJ$3,12*$B38,0))","v":4588930.3690999998}]
[null,14,{"$f":"IF(B39=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B39),0))","v":5402750.1000000006},{"$f":"IF(B39=\"\",\"\",OFFSET(Details!$AJ$3,12*$B39,0))","v":4591904.6124}]
[null,15,{"$f":"IF(B40=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B40),0))","v":5402750.1000000006},{"$f":"IF(B40=\"\",\"\",OFFSET(Details!$AJ$3,12*$B40,0))","v":4593405.3783999998}]
[null,16,{"$f":"IF(B41=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B41),0))","v":5402750.1000000006},{"$f":"IF(B41=\"\",\"\",OFFSET(Details!$AJ$3,12*$B41,0))","v":4594414.9852999998}]
[null,17,{"$f":"IF(B42=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B42),0))","v":5402750.1000000006},{"$f":"IF(B42=\"\",\"\",OFFSET(Details!$AJ$3,12*$B42,0))","v":4597946.6548999995}]
[null,18,{"$f":"IF(B43=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B43),0))","v":5402750.1000000006},{"$f":"IF(B43=\"\",\"\",OFFSET(Details!$AJ$3,12*$B43,0))","v":4600004.8471999997}]
[null,19,{"$f":"IF(B44=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B44),0))","v":5402750.1000000006},{"$f":"IF(B44=\"\",\"\",OFFSET(Details!$AJ$3,12*$B44,0))","v":4600098.4030999998}]
[null,20,{"$f":"IF(B45=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B45),0))","v":5402750.1000000006},{"$f":"IF(B45=\"\",\"\",OFFSET(Details!$AJ$3,12*$B45,0))","v":4602222.8625999996}]
[null,21,{"$f":"IF(B46=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B46),0))","v":5402750.1000000006},{"$f":"IF(B46=\"\",\"\",OFFSET(Details!$AJ$3,12*$B46,0))","v":4601891.5266000004}]
[null,22,{"$f":"IF(B47=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B47),0))","v":5402750.1000000006},{"$f":"IF(B47=\"\",\"\",OFFSET(Details!$AJ$3,12*$B47,0))","v":4603591.0942000002}]
[null,23,{"$f":"IF(B48=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B48),0))","v":5402750.1000000006},{"$f":"IF(B48=\"\",\"\",OFFSET(Details!$AJ$3,12*$B48,0))","v":4602834.8662999999}]
[null,24,{"$f":"IF(B49=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B49),0))","v":5402750.1000000006},{"$f":"IF(B49=\"\",\"\",OFFSET(Details!$AJ$3,12*$B49,0))","v":4603127.2237999998}]
[null,25,{"$f":"IF(B50=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B50),0))","v":5402750.1000000006},{"$f":"IF(B50=\"\",\"\",OFFSET(Details!$AJ$3,12*$B50,0))","v":4600472.6266999999}]
[null,26,{"$f":"IF(B51=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B51),0))","v":5402750.1000000006},{"$f":"IF(B51=\"\",\"\",OFFSET(Details!$AJ$3,12*$B51,0))","v":4599357.7741}]
[null,27,{"$f":"IF(B52=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B52),0))","v":5402750.1000000006},{"$f":"IF(B52=\"\",\"\",OFFSET(Details!$AJ$3,12*$B52,0))","v":4598800.3478000006}]
[null,28,{"$f":"IF(B53=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B53),0))","v":5402750.1000000006},{"$f":"IF(B53=\"\",\"\",OFFSET(Details!$AJ$3,12*$B53,0))","v":4595787.1260000002}]
[null,29,{"$f":"IF(B54=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B54),0))","v":5402750.1000000006},{"$f":"IF(B54=\"\",\"\",OFFSET(Details!$AJ$3,12*$B54,0))","v":4593822.4896}]
[null,30,{"$f":"IF(B55=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B55),0))","v":5402750.1000000006},{"$f":"IF(B55=\"\",\"\",OFFSET(Details!$AJ$3,12*$B55,0))","v":4592415.2795000002}]
[null,31,{"$f":"IF(B56=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B56),0))","v":5402750.1000000006},{"$f":"IF(B56=\"\",\"\",OFFSET(Details!$AJ$3,12*$B56,0))","v":4588552.2739000004}]
[null,32,{"$f":"IF(B57=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B57),0))","v":5402750.1000000006},{"$f":"IF(B57=\"\",\"\",OFFSET(Details!$AJ$3,12*$B57,0))","v":4585737.8536999999}]
[null,33,{"$f":"IF(B58=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B58),0))","v":5402750.1000000006},{"$f":"IF(B58=\"\",\"\",OFFSET(Details!$AJ$3,12*$B58,0))","v":4580467.6379999993}]
[null,{"$f":"IF(B58>=XL_PT,\"\",B58+1)","v":34},{"$f":"IF(B59=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B59),0))","v":5402750.1000000006},{"$f":"IF(B59=\"\",\"\",OFFSET(Details!$AJ$3,12*$B59,0))","v":4576246.0077}]
[null,35,{"$f":"IF(B60=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B60),0))","v":5402750.1000000006},{"$f":"IF(B60=\"\",\"\",OFFSET(Details!$AJ$3,12*$B60,0))","v":4573564.1218999997}]
[null,36,{"$f":"IF(B61=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B61),0))","v":5402750.1000000006},{"$f":"IF(B61=\"\",\"\",OFFSET(Details!$AJ$3,12*$B61,0))","v":4563939.7414999995}]
[null,37,{"$f":"IF(B62=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B62),0))","v":5402750.1000000006},{"$f":"IF(B62=\"\",\"\",OFFSET(Details!$AJ$3,12*$B62,0))","v":4560341.8047000002}]
[null,38,{"$f":"IF(B63=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B63),0))","v":5402750.1000000006},{"$f":"IF(B63=\"\",\"\",OFFSET(Details!$AJ$3,12*$B63,0))","v":4550292.5324000008}]
[null,39,{"$f":"IF(B64=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B64),0))","v":5402750.1000000006},{"$f":"IF(B64=\"\",\"\",OFFSET(Details!$AJ$3,12*$B64,0))","v":4541783.0045999996}]
[null,40,{"$f":"IF(B65=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B65),0))","v":5402750.1000000006},{"$f":"IF(B65=\"\",\"\",OFFSET(Details!$AJ$3,12*$B65,0))","v":4535304.3804000001}]
[null,41,{"$f":"IF(B66=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B66),0))","v":5402750.1000000006},{"$f":"IF(B66=\"\",\"\",OFFSET(Details!$AJ$3,12*$B66,0))","v":4522865.5797999995}]
[null,42,{"$f":"IF(B67=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B67),0))","v":5402750.1000000006},{"$f":"IF(B67=\"\",\"\",OFFSET(Details!$AJ$3,12*$B67,0))","v":4512457.6827999996}]
[null,43,{"$f":"IF(B68=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B68),0))","v":5402750.1000000006},{"$f":"IF(B68=\"\",\"\",OFFSET(Details!$AJ$3,12*$B68,0))","v":4501067.4676000001}]
[null,44,{"$f":"IF(B69=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B69),0))","v":5402750.1000000006},{"$f":"IF(B69=\"\",\"\",OFFSET(Details!$AJ$3,12*$B69,0))","v":4487712.6160000004}]
[null,45,{"$f":"IF(B70=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B70),0))","v":5402750.1000000006},{"$f":"IF(B70=\"\",\"\",OFFSET(Details!$AJ$3,12*$B70,0))","v":4473866.6052999999}]
[null,46,{"$f":"IF(B71=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B71),0))","v":5402750.1000000006},{"$f":"IF(B71=\"\",\"\",OFFSET(Details!$AJ$3,12*$B71,0))","v":4455533.8955000006}]
[null,47,{"$f":"IF(B72=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B72),0))","v":5402750.1000000006},{"$f":"IF(B72=\"\",\"\",OFFSET(Details!$AJ$3,12*$B72,0))","v":4440705.5666000005}]
[null,48,{"$f":"IF(B73=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B73),0))","v":5402750.1000000006},{"$f":"IF(B73=\"\",\"\",OFFSET(Details!$AJ$3,12*$B73,0))","v":4422372.8567999993}]
[null,49,{"$f":"IF(B74=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B74),0))","v":5402750.1000000006},{"$f":"IF(B74=\"\",\"\",OFFSET(Details!$AJ$3,12*$B74,0))","v":4400535.7661000006}]
[null,50,{"$f":"IF(B75=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B75),0))","v":5402750.1000000006},{"$f":"IF(B75=\"\",\"\",OFFSET(Details!$AJ$3,12*$B75,0))","v":4379680.9935999997}]
[null,51,{"$f":"IF(B76=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B76),0))","v":5402750.1000000006},{"$f":"IF(B76=\"\",\"\",OFFSET(Details!$AJ$3,12*$B76,0))","v":4355812.9993000003}]
[null,52,{"$f":"IF(B77=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B77),0))","v":5402750.1000000006},{"$f":"IF(B77=\"\",\"\",OFFSET(Details!$AJ$3,12*$B77,0))","v":4329422.9423000002}]
[null,53,{"$f":"IF(B78=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B78),0))","v":5402750.1000000006},{"$f":"IF(B78=\"\",\"\",OFFSET(Details!$AJ$3,12*$B78,0))","v":4301001.9817000004}]
[null,54,{"$f":"IF(B79=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B79),0))","v":5402750.1000000006},{"$f":"IF(B79=\"\",\"\",OFFSET(Details!$AJ$3,12*$B79,0))","v":4270550.1174999997}]
[null,55,{"$f":"IF(B80=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B80),0))","v":5402750.1000000006},{"$f":"IF(B80=\"\",\"\",OFFSET(Details!$AJ$3,12*$B80,0))","v":4238558.5088}]
[null,56,{"$f":"IF(B81=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B81),0))","v":5402750.1000000006},{"$f":"IF(B81=\"\",\"\",OFFSET(Details!$AJ$3,12*$B81,0))","v":4204535.9965000004}]
[null,57,{"$f":"IF(B82=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B82),0))","v":5402750.1000000006},{"$f":"IF(B82=\"\",\"\",OFFSET(Details!$AJ$3,12*$B82,0))","v":4164978.1996999998}]
[null,58,{"$f":"IF(B83=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B83),0))","v":5402750.1000000006},{"$f":"IF(B83=\"\",\"\",OFFSET(Details!$AJ$3,12*$B83,0))","v":4123880.6583999996}]
[null,59,{"$f":"IF(B84=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B84),0))","v":5402750.1000000006},{"$f":"IF(B84=\"\",\"\",OFFSET(Details!$AJ$3,12*$B84,0))","v":4077738.9917000006}]
[null,"",{"$f":"IF(B85=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B85),0))","v":""},{"$f":"IF(B85=\"\",\"\",OFFSET(Details!$AJ$3,12*$B85,0))","v":""}]
[null,"",{"$f":"IF(B86=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B86),0))","v":""},{"$f":"IF(B86=\"\",\"\",OFFSET(Details!$AJ$3,12*$B86,0))","v":""}]
[null,"",{"$f":"IF(B87=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B87),0))","v":""},{"$f":"IF(B87=\"\",\"\",OFFSET(Details!$AJ$3,12*$B87,0))","v":""}]
[null,"",{"$f":"IF(B88=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B88),0))","v":""},{"$f":"IF(B88=\"\",\"\",OFFSET(Details!$AJ$3,12*$B88,0))","v":""}]
[null,"",{"$f":"IF(B89=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B89),0))","v":""},{"$f":"IF(B89=\"\",\"\",OFFSET(Details!$AJ$3,12*$B89,0))","v":""}]
[null,"",{"$f":"IF(B90=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B90),0))","v":""},{"$f":"IF(B90=\"\",\"\",OFFSET(Details!$AJ$3,12*$B90,0))","v":""}]
[null,{"$f":"IF(B90>=XL_PT,\"\",B90+1)","v":""},{"$f":"IF(B91=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B91),0))","v":""},{"$f":"IF(B91=\"\",\"\",OFFSET(Details!$AJ$3,12*$B91,0))","v":""}]
[null,"",{"$f":"IF(B92=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B92),0))","v":""},{"$f":"IF(B92=\"\",\"\",OFFSET(Details!$AJ$3,12*$B92,0))","v":""}]
[null,"",{"$f":"IF(B93=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B93),0))","v":""},{"$f":"IF(B93=\"\",\"\",OFFSET(Details!$AJ$3,12*$B93,0))","v":""}]
[null,"",{"$f":"IF(B94=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B94),0))","v":""},{"$f":"IF(B94=\"\",\"\",OFFSET(Details!$AJ$3,12*$B94,0))","v":""}]
[null,"",{"$f":"IF(B95=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B95),0))","v":""},{"$f":"IF(B95=\"\",\"\",OFFSET(Details!$AJ$3,12*$B95,0))","v":""}]
[null,"",{"$f":"IF(B96=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B96),0))","v":""},{"$f":"IF(B96=\"\",\"\",OFFSET(Details!$AJ$3,12*$B96,0))","v":""}]
[null,"",{"$f":"IF(B97=\"\",\"\",OFFSET(Details!$AB$3,(12*SIS!B97),0))","v":""},{"$f":"IF(B97=\"\",\"\",OFFSET(Details!$AJ$3,12*$B97,0))","v":""}]
[null,"Some benefits are guaranteed and some are non-guaranteed under this plan. The guaranteed and non-guaranteed benefits have been clearly marked ‘Guaranteed’ and ‘Non Guaranteed’ respectively in the illustration table above."]
[]
[null,"Notes:"]
[null,"1. This illustration is not an insurance contract. "]
[null,"2. The Annuity or Purchase Price will be calculated based on the Annuity Rates applicable as on the date of purchase of annuity. "]
[null,"3. The plan doesn't offer any Maturity benefit."]
[null,"4. The applicable taxes, cesses, and levies, levied by the goverment from time to time, if any, shall be collected separately over and above the policy premiums."]
[null,"5. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you."]
[null,"6. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. "]
[null,"7. Surrender value illustrated above is end of the policy year value. Surrender value may be revised depending on the prevailing market conditions."]
[]
[null,"Declaration:"]
[null,"Declaration of the Proposer/Annuitants",null,"Agent / Intermediary of Tata AIA Life Insurance Co. Ltd."]
[null,"I have understood the information in the benefit illustration mentioned above as explained to me by the intermediary or agent and I am affixing my signature for the proof.",null,"I have explained the information in the benefit illustration to the Proposer and he has understood the same. I am affixing my signature for the proof."]
[null,"Proposer's/Annuitant's/Primary Annuitant's Name:",null,"Agent/Intermediary Name:"]
[null,null,null,"Agent/Intermediary Number:"]
[null,"Proposer's/Annuitant's Signature:",null,"Agent/Intermediary Contact Number:"]
[null,null,null,"Agent/Intermediary Signature:"]
[null,"Date:",null,"Date:"]
[null,"IN CASE THE PROPOSER AFFIXES A THUMB IMPRESSION OR SIGNING IN VERNACULAR: \n\nI _____________________________________ holding ______________ (Identity Card type) ____________________ (Identity Card no.) hereby declare that I have explained the contents and benefits of the illustration to the Proposer in ______________ language and that the Proposer has affixed his/her signature/thumb impression on the illustration after fully understanding the contents thereof.\n\nWitness Signature: _____________   Signature/ Thumb Impression of Proposer: _____________   Signature of the Person making the Declaration: _______________"]
[]
[null,"Unique Reference Number - L&C/Advt/xxxx/xxx/xxx"]
[]
[null,"Tata AIA Life Insurance Company Ltd. (IRDAI Regn. No. 110); CIN: U66010MH2000PLC128403\nRegistered and Corporate  Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai- 400013\nFor any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com or SMS 'LIFE’ to 58888\n\n\n"]

{"sheet":"Details","index":6,"n_rows":1165,"n_cols":50,"rows_kept":1165,"cut":false,"hidden":true,"merged":[[0,0,0,2]]}
["Inputs"]
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["Age at Entry",{"$f":"Input!xl_insage","v":58},null,null,null,"Policy Year","GSV (% of Single Premium))",null,null,null,"Age at surrender","Year","F1","F2",null,null,null,null,null,"Month","Year","Deferment period","Primary Life","Secondary Life","Premium","Acc_Ann","Cumulative Acc_Ann","Death Benefit","Accum Annuity Payout","Annuity Payout","F1","F2","Months to deferment end","PV factor","F3","SSV","GSV ","Surrender benefit","GSV_Lookup",null,null,"Months upto deferment end","Discounting factor"]
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["Annuity Payout",{"$f":"Input!AM23","v":399554},null,null,3,{"$f":"F5+1","v":3},0.75,null,null,null,47,3,10.82,4.7700000000000005,null,null,null,null,null,3,1,1,{"$f":"W5","v":58},58,0,{"$f":"IF($U6<=Def_Yrs,Details!$B$6/12,0)","v":33296.166666666664},99888.5,5402750.1000000006,0,{"$f":"IF($U6<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U6<=Def_Yrs),0,IF(MOD($T6,12/$B$9)=0,$B$7,0)),0)","v":0},0,0,21,0.8579,3921496.9504164304,3921496.9504164304,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U6,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD6)),0)","v":3683693.25},3921496.9504164304,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK6)","v":3683693.25},null,null,2,0.98599999999999999]
["Modal_Payout",{"$f":"B6*VLOOKUP(B5,$A$13:$C$16,3,0)/VLOOKUP(B5,$A$13:$D$16,4,0)","v":399554},null,null,4,"4th year onwards",0.9,null,null,null,48,4,10.79,5.0500000000000007,null,null,null,null,null,4,1,1,58,58,0,{"$f":"IF($U7<=Def_Yrs,Details!$B$6/12,0)","v":33296.166666666664},133184.66666666666,5402750.1000000006,0,{"$f":"IF($U7<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U7<=Def_Yrs),0,IF(MOD($T7,12/$B$9)=0,$B$7,0)),0)","v":0},0,0,20,0.86429999999999996,3950751.6193553102,3950751.6193553102,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U7,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD7)),0)","v":3683693.25},3950751.6193553102,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK7)","v":3683693.25},null,null,3,0.97899999999999998]
["Age 2 Entry",50,null,null,null,null,null,null,null,null,49,5,10.75,5.3500000000000005,null,null,null,null,null,5,1,1,58,58,0,{"$f":"IF($U8<=Def_Yrs,Details!$B$6/12,0)","v":33296.166666666664},166480.83333333331,5402750.1000000006,0,{"$f":"IF($U8<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U8<=Def_Yrs),0,IF(MOD($T8,12/$B$9)=0,$B$7,0)),0)","v":0},0,0,19,0.87080000000000002,3980463.3924963605,3980463.3924963605,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U8,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD8)),0)","v":3683693.25},3980463.3924963605,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK8)","v":3683693.25},null,null,4,0.97189999999999999]
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["No yrs Def",5,null,null,null,null,null,null,null,null,51,7,10.68,5.98,null,null,null,null,null,7,1,1,58,58,0,{"$f":"IF($U10<=Def_Yrs,Details!$B$6/12,0)","v":33296.166666666664},233073.16666666663,5402750.1000000006,0,{"$f":"IF($U10<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U10<=Def_Yrs),0,IF(MOD($T10,12/$B$9)=0,$B$7,0)),0)","v":0},0,0,17,0.88360000000000005,4038972.7303741206,4038972.7303741206,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U10,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD10)),0)","v":3683693.25},4038972.7303741206,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK10)","v":3683693.25},null,null,6,0.95789999999999997]
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["S","Half-Yearly",0.98,2,null,null,null,null,null,null,55,11,10.53,7.3400000000000007,null,null,null,null,null,11,1,1,58,58,0,{"$f":"IF($U14<=Def_Yrs,Details!$B$6/12,0)","v":33296.166666666664},366257.83333333337,5402750.1000000006,0,{"$f":"IF($U14<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U14<=Def_Yrs),0,IF(MOD($T14,12/$B$9)=0,$B$7,0)),0)","v":0},0,0,13,0.90939999999999999,4156905.6145339804,4156905.6145339804,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U14,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD14)),0)","v":3683693.25},4156905.6145339804,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK14)","v":3683693.25},null,null,10,0.92979999999999996]
["Q","Quarterly",{"$f":"C14-1%","v":0.97},4,null,null,null,null,null,null,56,12,10.48,7.7,null,null,null,null,null,12,1,1,58,58,0,{"$f":"IF($U15<=Def_Yrs,Details!$B$6/12,0)","v":33296.166666666664},399554.00000000006,5402750.1000000006,0,{"$f":"IF($U15<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U15<=Def_Yrs),0,IF(MOD($T15,12/$B$9)=0,$B$7,0)),0)","v":0},0,0,12,0.91579999999999995,4186160.2834728602,4186160.2834728602,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U15,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD15)),0)","v":3683693.25},4186160.2834728602,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK15)","v":3683693.25},null,null,11,0.92279999999999995]
["M","Monthly",{"$f":"C15-1%","v":0.96},12,null,null,null,null,null,null,57,13,10.44,8.08,null,null,null,null,null,13,2,0,{"$f":"W4+1","v":59},{"$f":"X4+1","v":59},0,{"$f":"IF($U16<=Def_Yrs,Details!$B$6/12,0)","v":33296.166666666664},432850.16666666674,5402750.1000000006,0,{"$f":"IF($U16<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U16<=Def_Yrs),0,IF(MOD($T16,12/$B$9)=0,$B$7,0)),0)","v":0},4135383.9,435658.12170000008,11,0.92279999999999995,4218157.5776247606,4218157.5776247606,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U16,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD16)),0)","v":3683693.25},4218157.5776247606,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK16)","v":3683693.25},null,null,12,0.91579999999999995]
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["If Annuity is the starting point",null,null,null,null,null,null,null,null,null,69,25,9.7200000000000006,14.379999999999999,null,null,null,null,null,25,3,0,{"$f":"W16+1","v":60},60,0,{"$f":"IF($U28<=Def_Yrs,Details!$B$6/12,0)","v":0},799107.99999999977,5710699,0,{"$f":"IF($U28<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U28<=Def_Yrs),0,IF(MOD($T28,12/$B$9)=0,$B$7,0)),0)","v":0},4115406.1999999997,456777.96300000005,0,1,0,4572184.1629999997,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U28,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD28)),0)","v":3683693.25},4572184.1629999997,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK28)","v":3683693.25},null,null,24,0.83860000000000001]
[null,"Annuity Rate","Annuity Amount","Purchase Price",null,null,null,null,null,null,70,26,9.64,15.009999999999998,null,null,null,null,null,26,3,0,{"$f":"W17+1","v":60},60,0,{"$f":"IF($U29<=Def_Yrs,Details!$B$6/12,0)","v":0},799107.99999999977,5710699,0,{"$f":"IF($U29<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U29<=Def_Yrs),0,IF(MOD($T29,12/$B$9)=0,$B$7,0)),0)","v":0},4115406.1999999997,456777.96300000005,0,1,0,4572184.1629999997,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U29,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD29)),0)","v":3683693.25},4572184.1629999997,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK29)","v":3683693.25},null,null,25,0.8327]
["Annuity Amount for Rate A",{"$f":"IF(Life=\"JL\",B21,B22)","v":7.9152E-2},{"$f":"MIN(B30*B25,Req_Annuity)","v":15830.320847999999},{"$f":"C30/B30","v":199999},null,null,null,null,null,null,71,27,9.57,15.639999999999999,null,null,null,null,null,27,3,0,{"$f":"W18+1","v":60},60,0,{"$f":"IF($U30<=Def_Yrs,Details!$B$6/12,0)","v":0},799107.99999999977,5710699,0,{"$f":"IF($U30<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U30<=Def_Yrs),0,IF(MOD($T30,12/$B$9)=0,$B$7,0)),0)","v":0},4115406.1999999997,456777.96300000005,0,1,0,4572184.1629999997,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U30,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD30)),0)","v":3683693.25},4572184.1629999997,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK30)","v":3683693.25},null,null,26,0.82679999999999998]
["Annuity Amount for Rate B",{"$f":"IF(Life=\"JL\",C21,C22)","v":7.9865999999999993E-2},{"$f":"IF(SUM($C$30:C30)>Req_Annuity,0,MIN(Req_Annuity-SUM(C$30:C30),B31*C25))","v":4169.6791520000006},{"$f":"C31/B31","v":52208.438534545377},null,null,null,null,null,null,72,28,9.5,16.239999999999998,null,null,null,null,null,28,3,0,{"$f":"W19+1","v":60},60,0,{"$f":"IF($U31<=Def_Yrs,Details!$B$6/12,0)","v":0},799107.99999999977,5710699,0,{"$f":"IF($U31<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U31<=Def_Yrs),0,IF(MOD($T31,12/$B$9)=0,$B$7,0)),0)","v":0},4115406.1999999997,456777.96300000005,0,1,0,4572184.1629999997,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U31,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD31)),0)","v":3683693.25},4572184.1629999997,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK31)","v":3683693.25},null,null,27,0.82099999999999995]
["Annuity Amount for Rate C",{"$f":"IF(Life=\"JL\",D21,D22)","v":8.0784000000000009E-2},{"$f":"IF(SUM($C$30:C31)>Req_Annuity,0,MIN(Req_Annuity-SUM(C$30:C31),B32*D25))","v":0},{"$f":"C32/B32","v":0},null,null,null,null,null,null,73,29,9.43,16.829999999999998,null,null,null,null,null,29,3,0,{"$f":"W20+1","v":60},60,0,{"$f":"IF($U32<=Def_Yrs,Details!$B$6/12,0)","v":0},799107.99999999977,5710699,0,{"$f":"IF($U32<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U32<=Def_Yrs),0,IF(MOD($T32,12/$B$9)=0,$B$7,0)),0)","v":0},4115406.1999999997,456777.96300000005,0,1,0,4572184.1629999997,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U32,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD32)),0)","v":3683693.25},4572184.1629999997,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK32)","v":3683693.25},null,null,28,0.81510000000000005]
["Annuity Amount for Rate D",{"$f":"IF(Life=\"JL\",E21,E22)","v":8.1395999999999996E-2},{"$f":"IF(SUM($C$30:C32)>Req_Annuity,0,MIN(Req_Annuity-SUM(C$30:C32),B33*E25))","v":0},{"$f":"C33/B33","v":0},null,null,null,null,null,null,74,30,9.3699999999999992,17.39,null,null,null,null,null,30,3,0,{"$f":"W21+1","v":60},60,0,{"$f":"IF($U33<=Def_Yrs,Details!$B$6/12,0)","v":0},799107.99999999977,5710699,0,{"$f":"IF($U33<=XL_PT+1,IF(AND(xl_polopt=3,Details!$U33<=Def_Yrs),0,IF(MOD($T33,12/$B$9)=0,$B$7,0)),0)","v":0},4115406.1999999997,456777.96300000005,0,1,0,4572184.1629999997,{"$f":"MAX(IF(xl_polopt=1,0,VLOOKUP(U33,$E$4:$G$7,3,TRUE)*xl_premium-SUM(Details!$AD$4:AD33)),0)","v":3683693.25},4572184.1629999997,{"$f":"IF(OR(xl_polopt=1,xl_polopt=2),\"NA\",Details!AK33)","v":3683693.25},null,null,29,0.80920000000000003]
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