Key Features

• Build your retirement corpus as per your risk appetite
• Protect your savings from market downturns through an Assured Benefit
• Pay premium only once and get regular pension post retirement

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	80
POLICY TERM	10	30
AGE OF MATURITY	45	90
SUM ASSURED	48,000	NO LIMIT
PREMIUM PAYEMENT TERM	SINGLE

What if?

• I am unable to pay on time

Policy Holder can pay the unpaid premium, discontinue the policy, the funds will be moved to discontinue policy fund. If nothing from the above is selected, then the policy will be converted to discontinued policy.

• 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.