| Total amount available in year 1 (same as Option 1) | Rs 4,22,180 |
| Less Term premium (up to age 80) | Rs 10,089 |
| Balance to be invested in debt fund in year 1 | Rs 4,12,091 |
| Total amount available from year 2 to year 15 (same as option 1) | Rs 4,13,090 |
| Less Term premium (up to age 80) | Rs 10,089 |
| Balance invested in debt fund from year 2 to year 15 | Rs 4,03,001 |
