Future Generali Dhan Vridhi

This is a unit linked insurance plan. In this policy, the investment risk in the investment portfolio is borne by the policyholder. The linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the money invested in linked insurance products completely or partially the end of the fifth year. Past performance is not indicative of future performance, which may be different. It provides a Limited Premium Unit Linked Insurance Plan that offers the policy holder perfect blend of protection and investment to realize a long and medium term financial goals. The policy holder also has the distinct advantage of staying protected for longer than the premium paying term with a choice of 6 unit funds.

Key Features

  • is a Limited Premium Payment ULIP with the right blend of Protection and investment to meet your medium to long-term financial goals.
  • Flexibility to make fund switches to maximize returns
  • Partial Withdrawal can be made after 5 policy years from inception.
  • Premium(s) paid are eligible for tax benefit as may be available under the provisions of Section(s) 80C, 80CCC (1), 80D, 10.10D as applicable.


  • Maturity Benefit
At maturity, the Fund Value as on the date of maturity is payable to the Life Assured. The Life Assured may also choose to receive the Maturity Benefit under Settlement Option explained in the later portion of this brochure.
  • Death Benefit
In case of an unfortunate event of death of Life Assured, while the policy is in force during the Policy Term, higher of:
1) Sum Assured less deductible Partial Withdrawal or
2) Fund Value, or
3) 105% of basic premiums paid till date of death is payable
  • 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. Investment benefits: The policy holder’s premium, net of applicable charges, is invested in unit funds of their choice. Currently they have a choice of six investment funds, providing the flexibility to direct your investments in any of the following Unit Linked Funds of the Company. The funds invest in a mix of liquid investments, fixed income securities and equity investments in line with their risk profile

Am I eligible?

ENTRY AGE 8 years 50 years
MATURITY AGE 18 years 70 yeras
POLICY TERM 10/15/20 years
PREMIUM PAYMENT TERM 5/7 years for 10 year policy term
10/12 years for 15 year policy term
15/17 years for 20 year policy term

What if?

I am unable to pay on time

  • A grace period is provided based on the payment frequency. The policy is continued if you make the payment within the time period else the policy is lapsed.

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 wish to take a loan

  • Loan options are available for this policy



  • If the Life Assured commits suicide within 12 months from the policy commencement date or revival date, whether sane or insane at that time, the Company will limit the Death Benefit to the Fund Value and no insurance benefit will be payable. Any charges recovered subsequent to the date of death will be paid back to the nominee or beneficiary along with Death Benefit.