Guaranteed Additions at fixed intervals as per percentage of Annualized Premium
Below are the Investment Fund Types to provide Long Term Capital appreciation. You can select Fund of your choice.
Flexi Growth Fund
Flexi Smart Growth Fund
Age Eligibility as per Basic Sum Assured
| Age at Entry | Sum Assured |
| 90 days (completed) to 50 years (nearer Birthday) | 7 times or 10 times of Annualized Premium |
| 51 years (nearer Birthday) to 60 years (nearer Birthday) | 7 times of Annualized Premium |
Policy Term depending on Annualized Premium
| Annualized Premium | Policy Term |
| Less than Rs. 48,000 | 15 to 25 years |
| Rs. 48,000 and Above | 10 to 25 years |
Premium Paying Term is Same As Policy Term
Guaranteed Additions as per percentage of Annualized Premium
| End of Policy Year | Annualized Premium | |
| Less Than Rs. 48,000 | Rs. 48,000 and Above | |
| 6 | 3% | 5% |
| 10 | 6% | 10% |
| 15 | 12% | 20% |
| 20 | 15% | 25% |
| 25 | 18% | 30% |
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
