Key Features

• Limited payment periods allow you to pay from your present income for your future needs
• Get first lump-sum payout at the end of premium payment term.Get second lump-sum payout when you reach age 75.Get third lump-sum payout on maturity i.e. when you reach age 100
• Loan facility to meet any urgent / unforeseen liquidity requirements.
• Option to make your cover more comprehensive through riders

Benefits

• Maturity Benefit:

On maturity of the policy, the paid-up sum assured on maturity will be payable. Further, the benefit payable on maturity shall never be less than 105% of total premiums paid to date.

• 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

Till end of PPT: Sum Assured on Death Plus accrued Reversionary Bonus (RB1)
After end of PPT till end of policy year when Life Insured attains age 75 years: Sum Assured on Death Plus accrued Reversionary Bonus (RB2)
After attaining age 75 years: Sum Assured on Death
Where, the Sum Assured on Death at any time during the policy term is higher of the following:
1) 11 times of the Annualized Premium
2) Guaranteed Sum Assured on Maturity
The amount payable as Death Benefit shall be reduced by the following:
1) The outstanding loan amount, accumulated interest and due premiums, if any;
2) The unpaid premiums in the Policy Year when death occurs, if the Life Insured has chosen Premium Frequency other than Annual

Am I eligible?

PARAMETER	MINIMUM	MAXIMUM
ENTRY AGE	91 Days	55 years
AGE OF MATURITY	-	100 years
SUM ASSURED	Rs.2,00,000	No Limit
POLICY TERM	100 years less age at entry of life insured
PREMIUM PAYMENT TERM	10,15,20 and 25
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

• Policy loan is available once policy acquires surrender value. Maximum loan amount available is 90% of Surrender Value offered by the Company.