Edelwiss Tokio Life –Dhan Labh

A guaranteed returns, endowment plan that provides higher additional benefit for higher annualized premium. All your life you've worked hard to earn money. With Dhan Labh, see your money working hard for you and reap the benefits that wealth can give you.

Key Features

  • Stay protected and get guaranteed amount on maturity.
  • Get additional benefits from 13 policy year through “Assured Additions”.
  • Option to make your cover more comprehensive through riders.
  • Choice of various Policy Term (15 / 20 / 25 / 30 years) and Premium Paying Term (7 / 10 /12 years) are available to suit your need.


  • Maturity Benefit:
Sum Assured on Maturity plus Accrued Assured Additions
Where Sum Assured on Maturity is equal to: Annualized Premium x Premium Paying Term + Large Premium Benefit, if any
  • Tax Benefit
The Premium(s) paid by you are eligible for tax benefit available under the provisions of Section(s) 80C, 80 CCC (1), 80D, 10(10D) as applicable.
  • Death Benefit
On death of life assured during policy term, company pays:
Higher of:
1) 10 times of Annualized Premium OR
2) Sum Assured on Maturity OR
3) 105% of total premiums paid (excluding any underwriting extras, rider premiums, service tax and cess, if any) till date of death
4) Any absolute amount assured to be paid on death

Am I eligible?

ENTRY AGE 91 Days 45 years
AGE OF MATURITY 18 years 75 years
SUM ASSURED (On Death) Rs.55,000 No Limit
POLICY TERM 15/20/25/30 years
PAYMENT MODES Annually, Semi-annually, Quarterly or Monthly


The customer has an option of availing the following Rider benefits:
  • Edelweiss Tokio Life - Accidental Death Benefit Rider (UIN: 147B002V02)
  • Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider (UIN: 147B001V02)
  • Edelweiss Tokio Life - Term Rider (UIN: 147B004V02)
  • Edelweiss Tokio Life - Critical Illness Rider (UIN: 147B005V02)
  • Edelweiss Tokio Life - Income Benefit Rider (UIN: 147B015V01)

What if?

I am unable to pay the premium

  • Grace period is of 30 days. The policy will remain in force during the grace period.If any premium remains unpaid at the end of the grace period, the policy shall lapse.

I stop the payment

  • On the completion of the grace period the policy will get lapsed and the benefits cannot be claimed on the death of the life insured.

I want to take a loan

  • Loan options are available for this policy