maturity of Life insurance policy

section 10(10D)
if policy is is taken before 1-4-2003 any sum received including bonus is exempted
if policy is taken between 1-4-03 to 31-3-12 fully exempted but no exemption available wher premium payable any of the year during the term of policy exceeds 20% of sum assured
1-4-2012 to 31-3-13 exempted except where premium exceeds 10% of sum assured
on or after 1-4-13 exempted. except where premium paid exceeds 10% /(15%) of sum assured