Guaranteed@ Maturity Benefit: Payable at maturity
Get Basic Sum Assured PLUS Accrued Guaranteed@ Yearly Additions PLUS Enjoy Guaranteed@ Loyalty Addition
Get increasing life cover
Enjoy Guaranteed@ Yearly Additions added every time you pay the premium – payable at maturity or death, whichever is earlier.
Enjoy higher benefits with longer premium commitment
Get increased Guaranteed@ Yearly Additions and Guaranteed@ Loyalty Addition with increase in Premium Payment Term (PPT)
Get more value for money
Through high premium benefit leading to higher Basic Sum Assured
Through a wide range of Riders
Note: Riders shall not be available for policies purchased through POS distribution channel.
Enjoy tax benefit
as per applicable tax laws
Eligibility Entry Age (as on last birthday) Maximum Maturity Age (as on last birthday) Policy Term & Premium Payment Term (PPT) For All Channels (except POS) For POS Channel Min: 3 years Max: 60 years Min: 3 years Max: 65 years less Policy Term Min: 18 years Max: 75 years Min: 18 years Max: 65 years PPT
10 | 15 years
12 | 18 years
14 | 20 years
15 | 20 years
Determined on the basis of minimum premium amount, entry age, policy term and PPT Example: For Rs. 20,000 annual premium, following shall be the Basic Sum Assured for entry ages 3 & 50 years:
Minimum Basic Sum Assured Age Policy Term Premium Payment Term Basic Sum Assured (Rs.) 3 years 15 years 5 years 1,36,780 3 years 20 years 10 years 2,42,340 50 years 15 years 10 years 1,45,488
For details, please refer to the premium calculator on the website.
Maximum Basic Sum Assured Determined on the basis of minimum premium amount, entry age, policy term and PPT subject to UW Rules Rs. 25,00,000
Annualized Premium Premium Payment Mode Premium Payment Option Premium Modal Factor (% of annualized premium) Min: Rs. 20,000 Max: No limit, subject to underwriting Min: Rs. 20,000 Max: Rs. 1,50,000 Yearly, Half-yearly, Quarterly, Monthly Limited only Yearly – 100% , Half yearly – 51% , Quarterly – 26% , Monthly – 8.8%