• Guaranteed Income for self
• Guaranteed Income for family in case of your death
• No Medical Test (Only Declaration of good health - DGH)
• Built in Waiver of Premium benefit, wherein in case of death of the life insured, all future premiums are waived off, with continuation of guaranteed benefits.
• An ideal plan which caters to varied age groups and needs like Retirement Planning, Child Education Planning, Gifts from GrandParents to Grand Child or young adults to their Parents.

Pay Rs.50,000 for 15 Years
Get Assured Annual Income of Rs.48,000 for 20 Years
Get Assured Life Cover of Rs. 5,00,000 for 30 years
Get Assured maturity amount of Rs. 5,32,000

• Maturity Benefit : On the policyholder surviving the date of maturity an amount equal to the Policyholder's Fund Value is payable. The Policyholder's Fund at the end of policy term shall be based on the highest Net Asset Value (NAV), over the first 100 months of the policy or the NAV as applicable on the date of maturity, whichever is higher.
• Death Benefit : In case of death of the Life Assured within the policy term, when the cover is in full force, the nominee shall get higher of the Sum Assured under the Basic Plan and the Policyholder's Fund Value. However, if partial withdrawal has been made during the last two years from the date of death, the Sum Assured under the Basic plan shall be reduced to the extent of the amount of partial withdrawals made.The Policyholder's Fund on death shall be determined at the prevailing NAV as on the date of receipt of intimation of death.
• Accident Benefit Option: Accident Benefit Option:If you are between 18 and 60 years of age, you may opt for Accident Benefit equal to the amount of life cover subject to minimum of 25,000 and maximum of 50 lakh (taken all policies with LIC of India and other insurers.) In case of death due to an accident, an additional sum equal to Accident Benefit Sum Assured shall be payable.
• Surrender Benefit:If the policy is surrendered within 5 years from the date of commencement of the policy: If you apply for surrender of the policy within 5 years from the date of commencement of policy, then the Policyholder's Fund Value after deducting the Discontinuance Charge, if any, shall be converted into monetary terms as per para 11 below. This monetary amount shall be credited to the Discontinued Policy Fund and no charges shall be deducted thereafter. The Proceeds of the Discontinued Policy, as per para 11 below, shall be payable on completion of 5 years from the date of commencement of policy. In case of death of life assured after the date of surrender but before the completion of 5 years from the date of commencement of policy the Proceeds of the Discontinued Policy shall be payable to the nominee/ legal heir immediately. If the policy is surrendered after 5 years from the date of commencement of the policy: If you apply for surrender of the policy after 5 years from the date of commencement of policy, then the Policyholder's Fund Value, as at the date of surrender, shall be payable. There will be no Discontinuance Charge
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws

• Premium payment for limited no of years
• Guaranteed Survival Benefit - at end of Premium Payment Term
• Guaranteed Death Benefit - Life cover till 100 years
• Guaranteed Maturity Benefit - If you live past 100 years, you get the Sum Assured Amount as maturity benefit
• Bonus declared on April 1st every year and this is added every month to your amount.
• Enhancements to Monthly Additions for policies that are more than 21 years
• Loan Available
• TAX Deduction under Section 80(D)
• TAX FREE under Section 10(10D)
• NON ULIP Product

• Maturity Benefit : On maturity under this plan, you will get Fund Value in the Main Account, plus Fund Value in the Top-Up Account (if any).
• Death Benefit : The Death Benefits under each of these options are: 1) (Basic Sum Assured = 5 X Single Premium): Main Account: First Policy Year: Higher of Basic Sum Assured or Fund Value in Main Account, Second policy year onwards: Higher of 25% of Basic Sum Assured or Fund Value Plus, Top-Up Account (if any): Higher of Top-Up Sum Assured or Fund Value 2)(Basic Sum Assured = 1.25 X Single Premium):Higher of Basic Sum Assured or Fund Value in Main Account, plus Higher of Top-Up Sum Assured or Fund Value of Top-Up Account, if any
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws
• Loan : Loan can be availed anytime after the first policy year.

• Maturity Benefit : Maturity Benefit is equal to the Fund Value in your Investment Account on the date of maturity. Upon payment of the Maturity Benefit, your Wealthsurance Plan is terminated.
• Death Benefit : Higher of the Fund Value or Sum Assured is payable.
• Terminal Illness Benefit : While most life insurance policies pay benefits upon death, a unique feature of Wealthsurance Plan is accelerated payment of benefit upon diagnosis of terminal illness. We pay Terminal Illness Benefit if the Insured Person is diagnosed as terminally ill and is expected to live for not more than six months. We may require the diagnosis to be made by a specialist medical practitioner appointed by us. Terminal Illness Benefit is equal to Sum at Risk (i.e. Sum Insured minus Fund Value), subject to a maximum of Rs 25 lakhs. If Fund Value is greater than Sum Insured then there is no Sum at Riskand Terminal Illness Benefit does not apply. Upon payment of the Terminal Illness Benefit, we will reduce the Sum Insured by the amount of the Terminal Illness Benefit paid. The policy continues as before except with reduced Sum Insured.
• Surrender Charge : When you wish to terminate your Wealthsurance Plan before maturity, you can surrender your Plan. However, you cannot surrender your policy in the first three years of the Plan. Upon surrender, we will pay you the Fund Value less Surrender Charge. The Surrender Charge is a percentage of the Single Premium or Annual Regular Premium that you have chosen in the Plan.
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws

• Maturity Benefit : On completion of Policy Term, Maturity Value will be paid.Maturity value for the Daily Protect Fund will be calculated based on NAV which is higher of:Prevailing NAV as on date of Maturity OR Higher than Highest Guaranteed NAV: There will be an increment of 5% to the Highest NAV achieved during the first seven years under the Daily Protect Fund.
• Death Benefit : Higher of the Fund Value or Sum Assured is payable, subject to a minimum of 105% of the total premiums paid at the time of death. The death benefit is payable only for inforce policies.
• Accidental Death Benefit :Provides additional death benefit if the death occurs as a result of an accident.
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws
• Automatic Rebalancing : Given the ups and downs in the market, Automatic Rebalancing facility adds immense value by allowing you to lock-in your gains. If the total premiums (net of allocation charges) invested into the Index Fund appreciate by 15% or more, such gains would be transferred to the Daily Protect Fund. This rebalancing can happen only from the Index Fund to Daily Protect Fund and not vice-versa. The Automatic Rebalancing facility would not be available after the end of the 6th Policy Year

• Maturity Benefit : You will receive a guaranteed amount on maturity. Your maturity benefit is equal to Maturity Sum Assured plus all Guaranteed Monthly Additions earned to date plus Guaranteed Final Addition.
• Death Benefit : In the unfortunate event of death of the life insured, the nominee shall receive the Basic Sum Assured. The Basic Sum Assured is 5 times the single premium amount.
• Surrender Benefit : In case of emergency fund requirements, you can surrender your policy anytime after 1st policy year and receive 90% of the Maturity Sum Assured plus Guaranteed Monthly Additions earned to date.
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws
• Loan : You can avail loan against the policy

• Maturity Benefit : You will receive total fund value on maturity.Under settlement option, you may choose to take your Total Fund Value ininstallments within 5 years from the date of maturity or choose a combination of part lump sum and part installment
• Death Benefit : In the unfortunate event of death of the life insured, the nominee shall receive Single Premium fund value or base sum assured less all partial withdrawals or 105% of the total single premium paid.
• Loyalty Additions : Loyalty Additions will be credited to your Policy at the end of every Policy Year from year 6 to year 10 (i.e. for five years) if your policy is in force.
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws
• Loan : You can avail loan against the policy only from 3rd year.

• Maturity Benefit : Fund Value will be paid.This can be collected in Lumpsum or instalments over a period of 5 years
• Death Benefit : In the unfortunate event of death of the Life Assured, the nominee will receive Sum Assured or Fund Value, whichever is higher .
• Partial withdrawals : Ensures liquidity from the 6th policy year onwards
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws
• Loan : You can avail loan against the policy

• Maturity Benefit : On survival of the Life Assured and subject to the Policy`s being in force on the Date of Maturity, maturity benefit equivalent to the Fund Value (including the Top up Fund Value) shall become payable. You will have an option to receive the Maturity Benefit as a lump sum or as structured payments, using the Settlement Option facility.
• Death Benefit : In the unfortunate event of death of the Life Assured during the term of the policy, the nominee shall receive Sum Assured or Fund Value including the Top up Fund Value, if any, whichever is higher.
• Partial withdrawals Benefit : Partial withdrawals will be allowed after completion of five policy years and you will be entitled to make one partial withdrawal, every three policy years, up to a maximum of 20% of Fund Value. For example, partial withdrawal can be made once from 6 to 8 policy year, once from 9 to 11 policy year and so on.The partial withdrawals are free of cost. The minimum partial withdrawal amount is Rs. 2,000.
• Surrender Benefit : Surrender is allowed only after completion of five policy years. Surrender Value will be Fund Value including the Top up Fund Value, if any. There is no surrender charge in this plan.
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws

• Guaranteed NAV : Higher of Minimum Guaranteed NAV of Rs.15 or the highest recorded daily during the first 7 years of the fund.
• Limited premium payment term : Pay premiums for only five policy years.
• Death benefit : In the unfortunate event of death of the Life Assured, the nominee will receive Sum Assured plus Fund Value, subject to Minimum Death Benefit .
• Partial withdrawals : Ensures liquidity from the 6th policy year onwards
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws
• Loan : You can avail loan against the policy

• Guaranteed NAV : Higher of Minimum Guaranteed NAV of Rs.15 or the highest recorded daily during the first 7 years of the fund.
• Limited premium payment term : Pay premiums for only five policy years.
• Death benefit : In the unfortunate event of death of the Life Assured, the nominee will receive Sum Assured plus Fund Value, subject to Minimum Death Benefit .
• Partial withdrawals : Ensures liquidity from the 6th policy year onwards
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws
• Loan : You can avail loan against the policy

• Guaranteed NAV : Get the benefit of the highest NAV recorded on a daily basis, in the first 7 years of the Platinum Advantage Fund, at maturity.
• Enhanced Sum Assured : Have an option to enhance the sum assured.
• Partial withdrawals : Ensures liquidity from the 6th policy year onwards
• Death Benefit : Higher Of (Fund Value+Sum Assured) + Enhanced Sum Assured, if any
• Tax benefits : Avail tax benefits on the premiums paid and benefits received under the policy, as per the prevailing Income Tax laws
• Loan : You can avail loan against the policy

We can help you with appropriate life insurance policy which can save money on your income tax and also provide you with handsome returns

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• Pension plan is an ideal product to plan for a happy and stress free retired life because it guarantees payment of certain amount periodically after retirement
• Pension plan can be taken jointly with the spouse.
• Premium paid are deducted under Section 80CCC of Income Tax Act.

Pay Rs.1036 per month
Get life cover Rs.1 Crore

• Life cover at an unbelievingly low cost!
• Plan Conversion Option
• Accidental Death Benefit (Rider)
• Permanent Disability Benefit (Rider)
• Critical Illness Benefit (Rider)

Pay Rs.1,998 per month
Get life cover Rs.10 Lakhs
Returns @ 6% Rs.13,26,900
Returns @ 10% Rs.23,47,200

• Number of payments : Just One Payment
• Minimum Investment : Rs 5000
• Maximum Investment : No Limit
• Term of Investment : 10 years
• Sum Assured : First Year - 5 x Single Premium
• Subsequent years - 1.1 times / 1.25 times premium paid based on age
• No Entry Charge - 100% allocation of premium

Minimum Guarantee of 200% of invested amount or Fund Value whichever is higher
Tax Benefit under 80C - You can reduce this investment from your Taxable income and save tax.
Tax Beneft under 10(10D) - Returns from this investment are absolutely TAX FREE

ACT NOW! IT EVEN MAKES SENSE TO BORROW AND INVEST