Page 74 - Risk Management in current scenario

Gross Surplus (62,650) 20,082 21,224 25,701 30,365 71,187 87,778 102,778 119,472 127,422 132,856 40,648 25,342 100,308 95,967 59,287

Increase in Reserve 237,862 358,996 365,418 353,574 342,795 316,062 303,941 288,519 274,354 260,457 244,320 375,844 (149,039) (156,558) (164,456) (172,753)

Net CF nder 175,212 379,079 386,643 379,275 373,159 387,250 391,719 391,296 393,827 387,879 377,176 416,492 (123,697) (56,250) (68,490) (113,466)

Surre- Benefit Claims 20,923 44,704 28,341 35,724 42,197 47,828 53,734 66,470 77,759 89,016 104,672 --- --- --- --- ---

Survival Claim --- --- --- --- --- --- --- --- --- --- --- --- 335,927 335,927 335,927 335,927

Death Commi- 10,144 9,521 9,393 9,726 10,019 10,279 10,501 10,697 10,877 11,048 11,220 11,383 --- --- --- ---

Renewal Commi- ssion --- 21,172 7,591 7,180 6,788 6,414 6,058 5,720 5,397 5,090 4,798 4,520 --- --- --- ---

Initial Expenses ssion 148,250 --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---

Renewal Expenses 613 4,630 4,409 4,431 4,455 4,476 4,495 4,514 4,532 4,548 4,563 4,574 2,490 2,420 2,347 2,271

Initial Interest 160,700 --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---

Gross Income Income 15,843 35,658 56,812 77,351 97,241 135,548 163,594 192,719 222,536 243,072 262,527 210,974 214,719 282,097 269,784 224,732

Premium 500,000 423,449 379,565 358,985 339,377 320,699 302,912 285,977 269,856 254,510 239,902 225,995 --- --- --- ---

Year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

72 | Risk Management in Current Scenario