Benefit Options Available:

Benefit Options under Regular & Limited Premium Payment
Option A	Level Income Benefit
Option B	Increasing Income Benefit @ 5% p.a.
Benefit Options under Regular & Limited Premium Payment
Option C	Level Income Benefit
Option D	Enhanced Cover with Level Income Benefit

Eligibility Criteria:

Minimum Entry Age	Policy  Term 5 Years - 13 Years (Completed)
	Policy  Term 10 Years - 8 Years (Completed)
	Policy  Term 15 Years - 3 Years (Completed)
Maximum Entry Age	Option A & B : 50 Years (nearer Birthday)
	Option C : 65 Years (nearer Birthday)
	Option D : 40 Years (nearer Birthday)
Minimum Maturity Age	18 Years (completed)
Maximum Maturity Age	Option A & B : 65 Years (nearer Birthday)
	Option C : 80 Years (nearer Birthday)
	Option D : 55 Years (nearer Birthday)
Minimum Annualized /  Single Premium	Option A & B: Rs. 30,000
	Option C & D: Rs. 2,00,000
Maximum Premium	No Limit (Annualized Premium / Single Premium in multiples of Rs 1,000)
Minimum Sum Assured on Death	Option A & B : Rs. 3,30,000
	Option C : Rs. 2,50,000
	Option D : Rs. 22,00,000
Maximum Sum Assured on Death	No Limit

Under Regular/Limited Premium payment (Option A & Option B), the premium can be paid Yearly, Half Yearly, Quarterly, and Monthly (NACH only) or through salary deductions (SSS).

Policy Term & Payout Period:

Benefit Options	Policy Term	Premium Paying Term	Payout Period
Option - A & B	10	5, 10	5, 10
	15	5, 10, 15	5, 10, 15
Option - C	5	1	5
	10	1	10
	15	1	15
Option - D	5	1	5
	10	1	10
	15	1	15

Payout Period will start at the end of the policy term i.e. from the Date of Maturity.
Payout Modes for payment of Guaranteed Income Benefit are Yearly, Half-yearly, Quarterly and Monthly.


Riders Available:

Under Regular / Limited Premium Payment (Option A & B),

• Accidental Death and Disability Benefit Rider
• Accident Benefit Rider
• New Term Insurance Rider
• New Critical Illness Benefit Rider
• Premium Waiver Benefit Rider

Under Single Premium Payment (Option C & D),

• Accidental Death and Disability Benefit Rider
• New Term Insurance Rider

Death Benefit:
Death Benefit payable on death of Policy Holder during the policy term after the date of commencement of risk but before the date of maturity.

1. Under Option A & B for Regular / Limited Premium Payment:
Sum Assured on death shall be higher of...
11 times of Annualized Premium
or
Sum Assured on Maturity
or
105% of Total Premiums paid upto the date of death

2. Under Option C for Single Premium Payment:
Sum Assured on death shall be higher of...
1.25 times of Single Premium
or
Sum Assured on Maturity

3. Under Option D for Single Premium Payment:
Sum Assured on death shall be 11 times of Single Premium


Maturity Benefit:
It shall be payable during the Payout Period in the form of Guaranteed Income Benefit and Guaranteed Terminal Benefit.

Guaranteed Income Benefit shall remain constant during the Payout Period under Option A, C & D. Under Option D, Guaranteed Income Benefit shall be increased yearly by a simple rate of 5% per annum on completion of each year of Payout Period and shall remain same during the year.

Guaranteed Terminal Benefit as a lumpsum payment shall be payable along with the last installment of Guaranteed Income Benefit.