Edelwiss Tokio Life –Wealth Builder

A wealth enhancement plan that offers you guaranteed maturity and death benefit. It promises upfront benefits with multiple options of policy paying term and policy term to suit your needs. An investment that will make your money work hard for you.

Key Features

  • All the benefits are guaranteed upfront.
  • Get additional benefits 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
  • Facilities wherein you can alter your sum assured, premium paying term.


  • Maturity Benefit:
On survival till maturity, the policyholder receives: Sum Assured on maturity (SAM) + Accrued Guaranteed Loyalty Additions + Large premium benefit (LPB), if any.
SAM = Annual premium multiplied by Premium paying Term LPB = If annual premium is in excess of Rs.40000/- , there is an additional payout on maturity for every Rs.20000/- in excess of Rs.40000/-
  • 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, company pays:
Sum Assured on Death (SAD) + Accrued Guaranteed Loyalty Additions.
Where, Sum Assured on Death is higher of:
1) 10 times of Annualized premium OR
2) Sum Assured on Maturity OR
3) 105% of total premiums paid till date of death
4) Any absolute amount assured to be paid on death

Am I eligible?

ENTRY AGE 91 days 55 years
AGE OF MATURITY 18 years 70 years
POLICY TERM 10,15,20,25 and 30 years
PREMIUM PAYMENT TERM 5/7/10/12 years
PAYMENT MODES Annual, Semi-annual and Monthly


The customer has an option of availing the following Rider benefits:
  • Edelweiss Tokio Life - Accidental Death Benefit Rider (UIN: 147B002V02)
  • Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider (UIN: 147B001V02)
  • Edelweiss Tokio Life - Term Rider (UIN: 147B004V02)
  • Edelweiss Tokio Life - Critical Illness Rider (UIN: 147B005V02)
  • Edelweiss Tokio Life - Waiver of Premium Rider (UIN: 147B003V02)
  • Edelweiss Tokio Life - Payor Waiver Benefit Rider (UIN: 147B014V02)
  • Edelweiss Tokio Life – Income Benefit Rider (UIN: 147B015V01)

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