- Minimum Premium Rs. 25000/-
- Premium Multiple Rs. 5000/-
- Entry Age 0 ( Risk commence at age 7 ) – 65 years.
- Entry Age with Riders 18-50 Years.
- Maturity Age 18-75 Years.
- Policy Term -10,15,20 Years.
- Minimum Sum Assured - 5* annualised Premium
- Maximum Sum Assured (If Base cover or cover with ADB / APTPDB rider only - Policy term * annualised premium
Allocation %:-
| Annu. Prem. | 1st yr. | 2nd & 3rd yrs | 4th to 10th yrs | 11th to 15th yrs. | 16th to 20th yrs. |
|---|
| 25000-99999 |
80 |
94 |
98 |
101.5 |
103 |
100000-249999 |
87.5 |
95.5 |
98 |
101.5 |
103 |
250000 & above |
90 |
96 |
98 |
101.5 |
103 |
Maturity Benifit - Fund Value
Death Benefit - Sum Assured or Fund Value which ever is higher
Surrender Charges - Nil After 3 Years
Partial Withdrawals - Allowed after 3 years, Minimum withdrawl Rs.5000.
Minimum Balance after partial withdrawl is 5 times of Prevailing Annual Premium
Suggested Rider Accidental death Benefit.
Suggested Fund Equity Index Fund II
Key Marketing Points Reduction of premium:-
- Premium can be reduced to Rs. 15000/- from 2nd year onwards.
- Nil surrender Charges.
Revival Period - Revival Period offered each 2 Years from 1st unpaid premium. All due unpaid regular premium are to be paid to revive the policy.
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