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Options of Premium Payment Term and Policy Term to cater to your need
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Features and Benefits
Plan at a Glance
Fees and Charges
Policy Administration Charge
This is a charge expressed as a percentage of premiums paid for all variants and is levied at each monthly anniversary by cancelling proportionate Units starting from the date of commencement of policy.
After the first five policy years, a maximum of two Partial Withdrawals are allowed in a policy year and both are free of any charge.
The minimum amount of Partial Withdrawal allowed per transaction is Rs. 5,000. In a policy year, the maximum amount that can be partially withdrawn is 50% of the Fund Value as on the date of partial withdrawal, subject to the Fund Value immediately after Partial Withdrawal being at least equal to 1 (One) Annualized Premium or 25% of Single Premium, as the case maybe, i.e., you may make two partial withdrawals in a policy year such that the summation of percentage of Fund Value withdrawn, is less than or equal to 50%.
Sum Assured payable on death shall be reduced to the extent of the partial withdrawals made during the two year period immediately preceding the date of death of the Life Insured. However, on attainment of 58 years of age, all partial withdrawals made thereafter will be adjusted out of the Sum Assured to determine the actual sum payable on death.
Service Tax and Education Cess are applicable on all charges as per the prevailing law. Any further taxes and cess shall be passed on to the Policyholder.
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