The new guidelines stipulated the difference between the actual returns and returns after deducting the charges should not be higher than 4% at the end of fifth policy year. "The net reduction in yield for policies with a term less than or equal to 10 years shall not be more than 3% at maturity. For policies with a term above 10 years, the net reduction in yield at maturity shall not be more than 2.25%," As per Irda.