Unique Features

Maturity Sum Assured

• on the policyholder surviving the policy Term chosen.

Loyalty Addition if any, along with the Maturity Sum Assured,

• if the policy is in force for atleast 10 years.
  

250 times the monthly rated premium + Return of the entire premium paid + Loyalty Addition, if any,

• on death of the policyholder, should it occur during the currency of the policy.

Partial surrenders

• after the policy is in force for atleast 3 years.
  

Accident and Disability due to Accident Benefit

• upto Rs 50 Lakhs but not exceeding the basic sum insured against an extra.

Income-Tax exemption on the

• premium paid within Rs 1 lakh cap allowed under section 80C of the Act
  

• Returns, whatever be the loyalty addition under section 10(10D) of the same act.
  

Term Rider

• as an add-on against an extra.
  

PPT between 10-35 years.

Available for investment

• by Resident and Non-Resident Indian Investors in the age group of 12-60 years.

Most ideal

• if you want to decide the premium yourself rather than the sum insured and provide yourself a maximum life insurance coverage.