| PARAMETERS |
FEATURES |
Age group for Entry |
0 - 50 Year |
| Age group for Rider Benefit |
18-50 Year |
| Policy Term |
25 years. |
| Maturity Age - Minimum |
Age attained 25 years. |
| Maturity Age - Maximum |
Age attained 75 years |
Minimum Premium |
Rs.12500 |
| Maximum Premium |
No limit |
| Premium Multiply |
Rs.2500 For Example: 12500, 15000, 17500, 20000….. |
| Sum Assured- Minimum |
5 * annualized Premium |
| Sum Assured- Maximum |
10 * annualized Premium
(for base premium with ADBR rider) |
| Allocation of Premium |
45 % for first year.,
97 % for 2nd to 5th year.
100 % from 6th year. |
| Loyalty Units |
From 11th policy year, 0.35% of regular fund value shall be added to the unit fund account at the end of each policy year till maturity |
| Surrender Charges |
0 % from 6th policy year.
|
| Partial Withdrawal |
Yes. If 3 years full premium is paid. |
| Death Benefit |
Up to age of 7 year – Fund Value.
After age of 7 Year - Fund Value or Sum Assured |
| Revival Period :- If due premium is not paid within grace period of 30 days. |
2 years from the first unpaid premium. |
| Risk cover Continuity:-If due premium is not paid within grace period of 30 days. |
If first 3 premium have been paid, risk cover will continue during revival period. On written request of the insured, risk cover will continue subject to deduction of all charges, till the required balance is in Unit Fund A/C |
