Future Generali Easy Invest Online Plan

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.

Key Features

  • It offers you the fl¬exibility to meet unexpected expenses by allowing you to partially withdraw some money 5 years after buying the policy.
  • The plan promotes the habit of saving systematically over a long term through monthly or annual payment modes
  • The plan provides you with a life cover along with the added benefit of wealth creation.
  • You are rewarded with additional units during the last 5 years of your Policy Term, these additional units are added to your fund provided you have paid all due premiums up to the date of such addition.
  • The plan gives you the option of Switching Funds so that you are always in complete control of your investments


  • Maturity Benefit
Once your policy matures at the end of the Policy Term and if you have paid all your due premiums, you will receive a Lump Sum payout equal to 100% of the Sum Assured plus any declared Compounded Reversionary Bonuses plus any Terminal Bonus.
  • Death Benefit
In case of an unfortunate demise of the Life Assured during the Policy Term, provided all due premiums have been paid till the date of death, the benefit payable to the nominee is the higher of:
1) Death Sum Assured plus vested bonus plus Terminal Bonus, if any.
2) 105% of total premiums paid (excluding service tax, extra premiums, if any).
Where Death Sum Assured is higher of:
1) Sum Assured, or
2) 10 times the annualized premium if age of the Life Assured is less than 45 years or 7 times the annualized premium if age of the Life Assured is greater than or equal to 45 years
  • 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.
  • Loyalty benefit
Staying invested throughout the Policy Term will help you get Loyalty Additions as a percentage of average Fund Value. All you need to do is to ensure that you have paid all your due premiums on time and your policy is active on the date of payment of Loyalty Additions. Loyalty Additions shall be added to the Fund Value on the applicable Policy Anniversary. However, The last (final) Loyalty Addition shall be payable on date of maturity.

Am I eligible?

ENTRY AGE 0 years 50 years
MATURITY AGE 18 years 70 years
PREMIUM Monthly:4000
SUM ASSURED 10xannual premium.
POLICY TERM 10 years 20 years
PAYMENT MODES Monthly/Annualy.

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