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मुख्य आकर्षण :
1) पालिसी के अन्तर्गत सभी हितलाभ (100%) गारंटीड ।
2) परिपक्वता पर सम्पूर्ण बीमाधन का भुगतान, विद्यमानता हितलाभ की कटौती नहीं।
3) मूल बीमा धन के 25% के बराबर अतिरिक्त निशुल्क जोखिम सुरक्षा ।
4) विस्तारित गारंटीड एडिशन छठवें पालिसी वर्ष से ₹50, ₹55, ₹60 प्रति हजार बीमाधन प्रतिवर्ष
5) ऋण सुविधा एकल प्रीमियम पॉलिसी में 3 माह बाद, सीमित भुगतान पालिसी में 2 वार्षिकीय प्रीमियम भुगतान के बाद उपलब्ध।
6) सेटलमेंट ऑप्शन की सुविधा उपलब्ध।
7) उपलब्ध राइडर्स – दुर्घटना मृत्यु और अपंगता हितलाभ (ADDB) दुर्घटना हितलाभ प्रीमियम परित्याग हितलाभ (PWB), गंभीर बीमारी हितलाभ (CIB) और टर्म राइडर
8) प्रीमियम भुगतान अवधि (PPT) के उपरान्त प्रत्येक 5 वर्ष में मनी बैंक का भुगतान

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योजना की प्रमुख विशेषताएँ –

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पालिसी अवधि प्रीमियम भुगतान अवधि प्रवेश पर न्यूनतम आयु एकल प्रीमियम सीमित भुगतान अवधि
20 10 8 वर्ष (पूर्ण) 60 वर्ष 55 वर्ष
30 15 3 वर्ष (पूर्ण) 50 वर्ष 45 वर्ष
40 20 90 दिन 40 वर्ष 35 वर्ष
परिपक्वता पर अधिकतम आयु 80 वर्ष 75 वर्ष

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गारंटीड एडिशन –
पॉलिसी के छठवें (वर्ष) से निम्न प्रकार देय होगा –

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पॉलिसी अवधि (वर्ष) प्रति हजार बीमाधन प्रतिवर्ष
6 वें से 20 वें वर्ष तक रु 50/-
21 वें से 20 वें वर्ष तक रु 55/-
31 वें से 40 वें वर्ष तक रु 60/-

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उच्च बीमाधन छूट

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बीमाधन एकल प्रीमियम
सीमित भुगतान अवधि
प्रति हजार बीमाधन
2 लाख से 4.75 लाख
शून्य शून्य
5 लाख से 7.25 लाख
5.00 रु 1.00
7.50 लाख से 9.75 लाख
10.00 रु 2.00
10 लाख एवं अधिक
15.00 रु 3.00

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भुगतान विधि छुट
वार्षिक – टेबुलर प्रीमियम का 2%, अर्द्धवार्षिक – टेबुलर प्रीमियम का 1%
न्यूनतम बीमाधन –  2 लाख (तत्पश्चात 25000 के गुणांक में)
अधिकतम बीमाधन –  कोई सीमा नहीं
भुगतान विधि – एकल, वार्षिक, अर्द्धवार्षिक, त्रैमासिक, मासिक NACH/SSS

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विद्यमानता हितलाभ :-

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पालिसी टर्म
विद्यमानता हितलाभ मूल बीमाधन के प्रतिशत के रूप में
20
मूल बीमाधन का 10%  –  10वें एवं 15 वें वर्ष की अवधि पूर्ण होने पर
30
मूल बीमाधन का 15%  –   15वें एवं 20 वें, एवं 25वें वर्ष की अवधि पूर्ण होने पर
40
मूल बीमाधन का 20%  –   20वें एवं 25 वें, 30वें एवं 35वें वर्ष की अवधि पूर्ण होने पर

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परिपक्वता हितलाभ –
मूल बीमाधन + अर्जित गारंटीड एडीशन
(विद्यमानता हितलाभ के रूप में भुगतान की गयी राशि की पूर्णवधि पर कटौती नहीं की जायेगी।
मृत्यु हितलाभ
एकल प्रीमियम पालिसी मूल बीमाधन का 125% + अर्जित गारंटीड एडिशन,
सीमित भुगतान अवधि पालिसी निम्न में से जो अधिक हो –
(1) मूल बीमाधन का 125% + अर्जित गारंटीड एडीशन या
(2) वार्षिकीय प्रीमियम का 7 गुणा या (3) मृत्युपूर्व भुगतान किये गये प्रीमियम का 105%

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