I hv lic jeevandhara old policy table 096.Deferment period 22/21. What is the meaning of deferment period 22/21. My policy commencement date is 28/06/2000. Total how much premiums do i have to pay ?.The annuity start date is printed on policy document 01/07/2022 . Lic says annuity stsrt date is 01/08/2022 . What is correct ? Policy document or lic communication.