Total Secure Plus

Edelweiss Tokio Life – Total Secure+ is a comprehensive online term insurance plan which provides life cover and cover against 35 critical illnesses. It provides comprehensive protection that secures your family and also fulfills your need for critical illness insurance. This online term insurance plan comes with multiple customization options. You can choose the life cover, critical illness benefit, policy term, premium paying term and benefit pay out options.

Key Features

  • A low cost comprehensive protection plan which gives you the option of not just a Life Cover but also a cover for Critical Illnesses.
  • Flexibility to choose from three death benefit payment modes – lump sum, monthly income or combination of both. Receive monthly income as an equal monthly sum or an increasing amount depending on your requirements.
  • Choose Critical Illness coverage amount as per your requirements – Accelerated Critical Illness Benefit up to Rs. 1 crore
  • Get life cover for as long as up to age 80


  • Maturity Benefit:
There is no maturity benefit in this plan.
  • 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
The minimum death benefit at any point of time (including any Critical Illness benefit already paid) under the product will be as given below:
For policy with Single Pay, highest of:
1) 125% of single premium; or
2) Guaranteed Sum Assured on Maturity; or
3) Any Absolute amount assured to be paid on death
For policies with Premium Payment Term other than Single Pay, highest of:
1) 10 times the Annualized Premium; or
2) 105% of all the premiums paid till date of death (i.e. Annualized Premium x number of years for which premiums have been paid); or
3) Guaranteed Sum Assured on Maturity or
4) Any Absolute amount assured to be paid on death

Am I eligible?

ENTRY AGE 18 years 65 years
AGE OF MATURITY - 80 years
SUM ASSURED Rs.25,00,000 No limit
POLICY TERM 10 years 62 years
PREMIUM PAYMENT TERM Single pay/Limited pay(5,10,15,20,25)/Regular Pay

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.

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 not available for this policy