Key Features

• Tailor made solution to match your wealth accumulation needs.
• Facility to switch your accumulated investment from one fund to another at the opportune time. You can also choose to redirect your future premiums in funds of your choice.
• Top-Up facility to enhance your investments resulting in higher accumulated fund value.
• Access to your wealth any time you require, through facilities like loans and partial withdrawals.
• Choose to pay premiums for limited period yet enjoy the wealth accumulation and insurance protection over a longer policy term.

Benefits

• Maturity Benefit:

Fund value is payable on survival of life assured till the end of policy term. Policyholder also has the option to receive the maturity proceeds in lumpsum or in instalments.

• 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, higher of below 3 is paid:
1) Sum Assured (including top up sum assured) less partial withdrawals
2) Fund value (including top up fund value) as on date of claim intimation
3) 105% of total premiums paid (including top up premiums) till the time of death

Am I eligible?

PARAMETER	MINIMUM	MAXIMUM
ENTRY AGE	5 years	65 years
AGE OF MATURITY	18 years	75 years
BASIC PREMIUM	Rs.3,500 (Monthly)	No Limit
POLICY TERM	10/15/20/25/30 Years
PREMIUM PAYMENT TERM	Regular Premium: Same as policy term Limited Premium: 5/7/10 years
PAYMENT MODES	Monthly, Quarterly, Semi-Annually or Annually

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 not available for this policy