- Premium - Minimum 15000/-
- Age Limit - 0 to 60 Year (for 18-50 in case of additional rider benefits)
- Policy Term - Minimum 10 years, Maximum Terms=70 years - Age at Entry
- Maturity Age Limit - 18 Years to 70 Years
- Sum Assured - 0.5 X Policy Terms X Annualised premium
Riders:-
- UL Accidental death benefit
- UL Accidental Parmanent Total/ Partial Disablity benefit
- UL Hospital Cash Benefit
- UL Critical Illness Benifit
- UL Waiver of Premium Benifit
- UL Family Income Benifit
Funds Options:- Assets Allocation Fund
- Assets Allocation Fund
- Bond Fund
- Equity Growth Fund
- Equity Index Fund II
- Accelerator Mid - Cap Fund
- Liquid Fund
Premium Allocation -
| Annual Premium Size |
Policy Year 1 |
Policy Year 2 to 5 |
Policy Year 6 years onward |
| 15,000-99,999 |
76% |
94% |
98% |
| 1,00,000-2,49,999 |
80% |
94% |
98% |
| 2,50,000 and above |
85% |
94% |
98% |
Maturity Benifit - Premium Fund value
Death Benefit - If death of the life assured occurs before the maturity date then the death benefit will be :
Sum Assured or Premium Fund value whichever is higher.
Surrender Charges - Nil After 10 Policy Years
Partial Withdrawals - Partial withdrawals of units are allowed after three years from the Policy Commencement Date provided :
a). Regular Premium for three full Policy Years has been paid.
b). Minimum remaining balance of Regular Premium Fund Value after the porposed withdrawal shall be 2 times the Annual Premium (across all funds).
Revival - Revival Period offered each 2 years from 1st unpaid premium All due unpaid regular premiums are to be paid to revive the policy.
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