Key Features

• Build your retirement corpus as per your risk appetite
• Protect your savings from market downturns through an Assured Benefit
• Option to pay premiums for five years, ten years or throughout the policy term

Benefits

• Assured benefit

In case of Maturity, the policy holder will get higher of Assured Benefit or Fund Value. Assured Benefit = 101% of the (sum of premiums paid and top ups, if any).

• Death benefit

In case of death of the policy holder, higher of the below will be paid to the nominee: Guaranteed Death Benefit and Fund value.

• Income Tax Benefit

Life Insurance premiums paid up to Rs. 1, 50,000 are allowed as a deduction from the taxable income each year under section 80C.

Add-ons

• Top-up

This is an additional saving over and above fund value, the minimum top up is 2000. Sum Assured will increase when you avail this facility.

Am I eligible?

PARAMETER	MINIMUM	MAXIMUM
ENTRY AGE	35	70
POLICY TERM	10	30
AGE OF MATURITY	45	80
SUM ASSURED	48,000	NO LIMIT
PREMIUM PAYEMENT TERM	5	10
PAYMENT TERMS	ANNUAL, SEMI-ANNUAL, MONTHLY

What if?

• I want to do Partial withdrawal in my policy

The policy does not allow partial withdrawal.

• I stop the payment

If the policy holder wants to surrender the policy before completing 5 years, then the insurance cover will cease and the fund value net of any discontinuance charge will be transferred to the Discontinued Policy Fund.

• I wish to take a loan

Loan facility is not available under this policy.

Exclusions

• If the Life Assured, commits suicide within one year from the date of issuance of the policy or from the date of policy revival, only the Fund Value, including Top- up Fund Value, if any, as available on the date of death, would be payable. No charges will be deducted after the date of death.