Key Features

• All the benefits are guaranteed upfront.
• Get additional benefits from 9th policy year through Guaranteed Accrual Additions.
• Multiple options of policy term and premium paying term to suit your requirements.
• Loan facility to meet any urgent / unforeseen liquidity requirements.
• Option to make your cover more comprehensive through riders

Benefits

• Maturity Benefit:

At the end of your policy term, you will receive the Cumulative Annualized Premium where,
Cumulative Annualized Premium= Annualized premium * Premium Paying Term

• 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 the Life Assured during the policy term sum assured with guaranteed accrual additions will be paid.
Guaranteed accrual additions are calculated as a specific percentage of total annualized premiums paid.

Am I eligible?

PARAMETER	MINIMUM	MAXIMUM
ENTRY AGE	91 Days	55 years
AGE OF MATURITY	18 years	70 years
SUM ASSURED (On Death)	Rs.1,65,000	No Limit
POLICY TERM	10,15,20,25 and 30 years
PREMIUM PAYMENT TERM	5/7/10/12 years
PAYMENT MODES	Annual, Semi-annual, Quarterly and Monthly

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