Key Benefits

• Lifelong income: Survival benefit payout from first year onwards till 100 years of age1
  
• Choice of 3 Income options based on your need:
  
  
  1. Super Income option: Cash bonuses (if declared) will be paid from rst year or first month onwards, based on Income mode selected. Minimum cash bonus is Guaranteed @10% of Annualised Premium during the premium payment term.
  2. Smart Income option: Cash bonuses (if declared) will be paid from rst year or rst month onwards, based on Income mode selected.
  3. Future Income option: Cash bonuses (if declared) will be paid from end of 15th policy year till maturity. Guaranteed cash bonuses @30% of Annualised premium will be paid during Fixed Income period. Simple reversionary bonuses (if declared) will accrue during rst fourteen policy years and will be paid as Fixed Income over a Fixed Income period.
  1. Leave a legacy with lumpsum at maturity: Get return of premiums along with Terminal Bonus (if declared) as lumpsum at maturity.
  2. Pay as you like: Choose from various premium payment term options from 5 to 10 or 12 or 15 years and stay covered for whole of life.
  3. Flexibility to choose the maturity option of up to age 100 or up to age 80
  4. Protection for your family:
  • Get life cover for the entire policy term
  • Safeguard your family’s future even in your absence with no future premiums payable after the death with Family Care option
  • Get additional cover through an accidental death and serious illness riders, at a nominal cost
  
  
  5. Option to accumulate your Survival benefits at a specied interest rate and withdraw partially or fully as per your need
  6. Flexibility to receive your income payout on the date of your choice
  7. Tax benefits: You may be eligible to avail tax benefits on premiums paid and benefits received, as per prevailing tax laws