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The scheme is applicable to the account holders in the age group of 18 to 50 years for one year and renewable from year to year offering life insurance cover for death due to any reason . The premium is to be paid Rs 436.00/- per annum per year , the premium will be debited from the savings bank account holders through up to debit facility in or installment as per option given on or before 31 may of each annual coverage period .