Key Features

• Multiple premium payment and policy term options to ensure that money is available to you during crucial years like child's education, marriage, etc
• 3 Cash Installment Options to choose from to match the future financial needs
• Comprehensive coverage in case of death or accidental disability
• Option to enhance your coverage with rider benefits
• Special rates for female policyholders
• The coverage option chosen at inception cannot be changed during the policy term

Benefits

• Maturity Benefit

The risk cover under your policy will cease on the maturity date.

• Death Benefit

The Sum Assured on Death, subject to the guaranteed death benefit of 105% of the total premiums1 paid till date of death, will be paid immediately and the policy will be converted to a fully paid-up policy.

Am I eligible?

PARAMETER	MINIMUM	MAXIMUM
ENTRY AGE	18	50
MATURITY AGE	28	60
SUM ASSURED	1,00,000	NO LIMIT
POLICY TERM	100 MINUS AGE AT ENTRY
POLICY PAYING FREQUENCY	YEARLY , HALF YEARLY , QUARTERLY , MONTHLY

What if?

• I don’t pay the premium ?

If you have not paid at least 1 years premium in full for premium payment term less than 10 years or at least 2 years% premiums in full for premium payment term of 10 years and above, then your policy will immediately lapse at the expiry of the grace period and no benefit will be payable under the policy.

If you have paid at least 1 year’s premium in full for premium payment term less than 10 years at least 2 years% premiums in full for premium payment term of 10 years and above, then, your policy will be converted to a paid-up at the expiry of the grace period.

• I want to take loan from my policy ?

The maximum amount of loan will be equal to 90% of the amount of Surrender Benefit available as on the date of loan.

The loan rate of interest applicable on the loan amount will be decided by the Company from time to time.

The Policyholder can repay part or full amount of loan interest there-under at any time during the Policy Term.

Exclusions

• If the Life Assured commits suicide, whether sane or insane, the Company’s liability shall be limited to the extent of:

If the date of death is within 1 year from the date of commencement of risk, 80% of the premium paid

If the date of death is within 1 year from the date of the latest revival, higher of 80% of the premiums paid till the date of death or

I Surrender value as available on the date of death Any outstanding loan and loan interest will be deducted from the benefit payable

• The Accidental Permanent Total Disability Benefit will not be payable in the following situations:

Disability as a result of the insured person committing any breach of law with criminal intent

Disability of insured person as a result of war, invasion, civil war, rebellion or riot