This is what we offer with the plan

  • Benefits

    Maturity Benefit

    Upon survival of Life Insured till the date of Maturity, Fund value as on date of maturity is paid, provided policy is in force. Once the Maturity Benefit is paid out, the plan terminates.

  • Benefits

    Death Benefit

    In case of death of the life insured during the policy term, provided the Policy is in-force, the Death Benefit will be paid to the beneficiary and the policy will terminate.

    • The Death Benefit paid is the highest of
      1. (a) Death Sum Assured1
      2. (b) Fund value or
      3. (c) 105% of the total premiums received up to date of death.
    • 1Death Sum Assured for the plan is higher of
      1. (a) 10 times the Annualized Premium
      2. (b) 0.5 X PT X Annualized Premium.
  • Benefits

    Critical Illness Benefit

    During the Policy Term, if life insured is diagnosed with any of the pre-defined 9 critical illnesses, a lump sum amount will be paid out immediately to help with the treatment and other lifestyle changes that may arise due to the illness. The future premiums need to continue to be paid by the Policyholder to keep the Policy in force for the remaining term.

    On payment of Critical Illness Sum Assured, provided the policy is in force and all premiums are paid in full, the plan will continue till Maturity with the applicable life cover.  Critical Illness Sum Assured is the lump sum amount chosen by you at the inception of the policy. Death Benefit will be paid upon death or Fund Value will be paid at maturity, whichever is earlier.

Sample Policy DocumentDownload

Know the eligibility for this plan

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18 Years (Min)|52 Years (Max)
28 years (Min)|70 Years (Max)
10 / 15 / 20 / 25 years
Limited-10 and 15 years
Regular - Equal to Policy Term
Rs. 1,00,000|No Limit
Higher of 10 times of Annualized Premium or 0.5 x Annualized Premium
Rs. 5,00,000|Rs. 20,00,000
(subject to maximum of 5 times of Annualized Premium)


A non-participating Unit Linked Life Insurance Plan (UIN 135L069V02)



All ages are as per last birthday

• Critical Illness Sum Assured cannot be higher than Death Sum Assured at any point of time during the policy term

• Critical Illness Sum Assured for Housewives, Students & Retired lives will be fixed at Rs. 5,00,000/- only

I am years old
I would like a return of Lakhs
At the end of years

You are eligible.

You are not eligible.

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