The insurance plan that gives added protection, savings and multiple

options, all in one.

Features

Choose your contribution amount Increase your premium contribution as required. Choose between 3 levels of cover (in the form of sum

assured) for the same amount of total annual contribution.

Flexibility of shifting between the three levels of cover (as per your changing requirements)

Flexibility of receiving your maturity proceeds as a lumpsum or in equal annual instalments over 3 or 5 years.

Level of Sum Assured

Amount of SA

Basic

Annual Prem*(Term-5)

Standard

Annual Prem* Term

Enhanced

Annual Prem*(Term+5)

Accumulation of policy value

At the end of every year, the company will declare a bonus interest that will be applied on the allocable portion (premium after deduction of charges) of your premium.

This bonus interest will have a compounding effect on the value of your policy.

The payment of the accumulated value of your policy (including the bonus interest declared) is guaranteed on maturity, or in the case of unfortunate death, along with the sum assured.

The Benefits

On Maturity The accumulated value of the policy will be paid at

maturity. If the value of your investment is more than the accumulated value of your policy, then that too will be paid.

On Death On death of the life assured up to age 7 years, the

accumulated value along with the bonuses will be paid.

On death of the life assured after age 7 years, the beneficiary will get the sum assured and the accumulated value, including bonuses will be paid.

Added Benefits

Loans : Available after 3 premium paying years.

Surrender Value Policy acquires a surrender value after 3

premium years. The guaranteed surrender value is 35% of {All

premiums paid – (first year’s premiums + rider premiums + extra premiums)}

Riders

Added protection to your family against any health hazards or unfortunate eventualities. Critical Illness Rider Major Surgical Assistance Rider Accident and Disability Benefit Rider Accident Benefit Rider Income Benefit Rider Waiver of Premium Rider

Eligibility

Age : 0 – 60 years Maximum cover ceasing age : 75 years Term : 10 – 30 years Minimum Premium : Rs. 6,000 p.a.

Charge structure

Premium allocation 43% of your premium in the first year. 85% in the 2nd and 3rd year. 95% from the 4th year onwards

Fixed charge of Rs. 300 per annum

The investment administration charges would be an amount equal to 1.25% of the investment value.

Mortality would be charged on an annual basis from the contribution.

SecurePlus – At a glance

Minimum Sum Assured Rs. 30,000 (Thirty Thousand)

Maximum Sum Assured No Limit

Minimum Premium Yearly - Rs. 6,000, Half-yearly - Rs. 3,000 Monthly - Rs. 500

Minimum Age At Entry 0 Years

Maximum Age At Entry 60 Years

Minimum Maturity Age 10 Years

Maximum Maturity Age 75 Years

Minimum Term 10 Years

Maximum Term 30 Years

Sum Assured In Multiples Of Rs. 1,000

Premium Payment FrequenciesYearly, Half-yearly and Monthly. The monthly mode is only though ECS (Electronic Clearing Service)

Premium Payment Period Entire Term Of The Policy

Benefit Coverage Period Entire Term Of The Policy

SecurePlus – At a glanceDeath Benefit During The Term Of The Policy

< 7 Years Of Age Accumulated Value Including Bonuses

> 7 Years Of Age Sum Assured + Accumulated Value Including Bonuses

Maturity Benefits Accumulated Value Including Bonuses

Surrender / Paid Up After 3 Full Years Premiums Have Been Paid

Policy Loans Allowed After The Surrender Value Period

Accident & Disability Benefit Rider (ADBR)

Accident Benefit Rider (ABR)

Critical Illness Benefit Rider (Accelerated) - (CIBR)

Major Surgical Assistance Rider - (MSAR)

Income Benefit Rider (IBR)

Waiver of Premium RiderRemarks

* 3 Levels Of Life Insurance Cover - Basic [(Premium Paying Term - 5) * Annual Premium], Standard [(Premium Paying Term) * Annual Premium] & Enhanced [(Premium Paying Term + 5) * Annual Premium]

1st Year - 57%

2nd & 3rd Year - 15%

4th Year Onwards - 5%

Notes * Age Is Defined As Age Nearer Birthday

Riders Allowed

Charges

Underwriting Guidelines

Initial Requirements Proposal FormACRAge Proof (Non Std acceptable with extra premiums and restrictions)Minor Lives Questionnaire (If age of LA is between 0 and 14)

Medical Requirements

Allowed under J ET as per the current J ET norms, medicalreports as per special medical examination chart if theproposal is not covered in J ET scheme.

Rating factor for SA 1Keyman Insurance Allowed