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Micro Savings Plan of India First Life Insurance! Micro Savings Plan - In One Sentence! Age limit - 18 to 50 years. Policy Term: 10 and 15 years. Minimum Premium: Rs 1500 to 35000. GST free. Premium Payment Term: Only 5 years. Premium Leave: 1 year. The risk cover will continue to be available even if not paid. Maturity: Base Sum Assured and Annual Bonus, and Final Bonus (whatever)! Death Benefit: 20 times the premium (10 times if additional insurance cover is not taken) plus accrued bonus for that year. Income Tax Benefit: Sections 80 (c) and 10 (10d) under Income Tax Act 1961. Commission: RAP will get 13.5% commission.