Key Features

• Three overage options

Death benefit

Death benefit plus accidental death benefit

Death benefit plus accelerated critical illness plus wavier of premium benefit

• Females – attractive premium rates

• Coverage up to 100 years

Benefits

• Death benefit

Assured sum is provided to the nominee in case of death of the life insured.

• Joint benefit

The benefit is payable on each life insured. On death of one holder the policy continues to be in action but with a reduced premium.

Am I eligible?

PARAMETER	MINIMUM	MAXIMUM
ENTRY AGE	25	55
MATURITY AGE	-	75
SUM ASSURED	20,00,000	NO LIMIT
POLICY TERM	100 MINUS AGE OF ENTRY
PAYMENT TERMS	YEARLY, HALF YEARLY, QUARTERLY, MONTHLY

What if?

• I am unable to pay on time

If minimum of 2 years premium is paid for a policy of term less than 10 years and 3 years premium is paid for a policy of term greater than 10 years then the policy is converted to paid-up policy else the policy is lapsed.

• I stop the payment

For a policy term is less than 10years and if the premium for 2 years is paid then a percentage of paid amount is returned to the policy holder.

For a policy term is equal or greater than 10 years and if the premium for 3 years is paid then a percentage of paid amount is returned to the policy holder.

• I wish to take a loan

Loan options are not available in this policy.

Exclusions

• In case of death benefit

If the life assured commits suicide within one year from the commencement of risk the contract of insurance is terminated by providing 80% of the paid up premiums

Death due to any criminal activity

Death due to the consumption of alcohol

Death as a result of nuclear radiations

• In case of accelerated critical illness benefit

Illness under the presence of HIV

Any disease that occurs within 180 days of the policy coverage

Engaging in professional sports

Any disease that causes death within 30 days of the incidence of illness