Unique Features

Policy Term (PT)

• 5 or 10 or 15 or 20 or 25 years.
  

Premium Payment Term (PPT)

• 3 or 4 or 5 Years
  

Guaranteed Addition

• @Rs 50.00 per Rs 1000 of the sum insured per annum in case of 5 year plan
  

Reversionary Bonus from 6th year onwards in addition to the above Guaranteed Addition

• in case of 10,15,20 and 25 year plan
  

Sum Insured with Guaranteed Addition/Accrued Bonus

• on completion of the PT chosen or on death of the policyholder, should it occur early.
  

Premium payable

• only during the PPT chosen, stopping on death of the policyholder, should it occur earlier.
  

Income-Tax exemption

• on the premium paid upto Rs 1 Lakh Per annum along with other investments allowed under section 80 C of the I.T Act.
  

• On the claim amount received under section 10 (10D) of the same act, whatever be the bonus received.
  

Accident and Disability due to accident

• upto Rs 50 Lakhs not exceeding the sum insured against a small extra.
  

Policy loan

• available at 9.00 % per annum simple interest.
  

Term Rider and Critical Illness Rider

• available as add-on against an extra premium.
  

Available for investment

• by all Indian and Non-Resident Indian Investors in the age group of 18-65 years.
  

Most ideal

• in case you want to pay for a short duration and collect a lumpsum amount later when you are actually in need of funds.