The rates that are printed in premium tables are known as 'Office Premiums'
Rebate for sum assured - offered to those who buy policies with higher amounts of sum assured
Rebate for mode of premium - premiums to be paid on annual, half yearly, quarterly or monthly basis. More frequent the mode, more the cost of service. Hence Monthly mode of Premium is slighly costlier than Yearly mode
Tabular Premium is only for Standard Lives (Lives with no extra risk factors). Such rates are called Ordinary Rates.
Extra Charges - If the proposer suffers from certain health problems like heart ailments or diabetes, it can pose a hazard to his life. Such a life is considered to be sub-standard. The insurer may decide to impose an extra premium by way of a health extra
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