• 10% of sum assured is added to your sum assured for every 5 years of paid premiums.
• Rs. 1 lakh will be paid directly to you should you be diagnosed with a covered critical illness (after a 30 day survival period) for first 3 years of the policy.
• Deaths that occur during the period of the policy will result in an immediate payment of the full sum assured to your beneficiary, plus guaranteed additions and bonuses (if any).
• Deaths that occur due to accidental causes during the plan period will result in an immediate payment of double the sum assured, plus guaranteed additions and bonuses (if any).
• Payment of up to one third of your Sum Assured as lump sum cash upon reaching your chosen retirement age. The remainder is used to buy a monthly income plan that will generate a monthly cash income.
• A reversionary bonus will be declared and credited from the 6th policy anniversary onwards
• A terminal bonus will be paid upon maturity or death if the policy has been in force for 10 years.
• Bonus is not guaranteed and will depend on the performance of the company.
• No medical examination is required for persons between 18 and 45 years of age.

Tax Benefits, Riders and Age Eligibility

• Premiums paid under this plan are eligible for tax benefits under Section 80CCC of the Income Tax Act, 1961*.
• Critical illness cover can be purchased as a rider after the 3rd year of the policy.
• Policy is available for persons between 18 and 45 years of age.