Age Eligibility as per Basic Sum Assured

Policy Term depending on Annualized Premium

Premium Paying Term is Same As Policy Term

Guaranteed Additions as per percentage of Annualized Premium

Death Benefits

Before Commencement of Risk: Fund Value as on death

After Commencement of Risk:

Higher of…

Basic Sum Assured reduced by any Partial Withdrawals made during the two years period immediately preceding the date of death

OR

Unit Fund Value as on date of Intimation of Death

OR

105% of total premiums received upto the date of death reduced by Partial Withdrawal made during the two years period immediately preceding the date of death

Maturity Benefits

• Fund Value (plus Mortality Charges, if all premiums are paid)
• Refund of Mortality Charge shall not be payable in case of Surrendered, Discontinued or Paid-up policy

• Surrendered: You can surrender anytime during the Policy Term
• Switching: Four free switches during a policy year
• Settlement Option of Death Claim is available
• Partial Withdrawal: It can be partially withdraw anytime after the 5 years Lock-in-Period
• Lic’s Linked Accidental Death Benefit Optional Rider is available.
• Tax Free returns upto 2.5 Lacs