- Premium - Minimum 12000/-
- Age Limit - 0 to 55 Year (for 18-50 in case of additional rider benefits)
- Policy Term - 20 years
- Maturity Age Limit - 18 Years to 75 Years
- Sum Assured - 10 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 -
| Year |
Allocation Rates |
Additional Allocation |
| 1 |
45% |
51% *
*Additional, Loyalty Units equivalent to 5.1% of the first year's Annual Premium will be allocated from 4th to 13th policy year,if regular premium is paid. |
| 2-5 |
96% |
| 6-13 |
98% |
| 14+ |
100% |
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 3 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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