Edelwiss Tokio Life –GCAP

Edelweiss Tokio Life – GCAP is a guaranteed return plan catering to the need of wealth accumulation. It provides guaranteed accrual additions so that you can maximize the wealth you generate and enjoy the best possible returns.

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


  • 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?

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