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प्रमुख विशेषताएं
न्यूनतम सिंगल प्रीमियम – एक लाख
अधिकतम कोई सीमा नहीं
गारन्टीड एडीशन – एकल प्रीमियम का प्रतिशत जो यूनिट फंड में निम्न अवधि अनुसार जोड़ दिया जायेगा

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पॉलिसी वर्ष
गारंटीड एडीशन
6 3%
10 4%
15 5%
20 6%
25 7%

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मूल बीमाधन
एकल प्रीमियम का 1.25 गुना(विकल्प-1)
एकल प्रीमियम का 10 गुना(विकल्प-1)
प्रवेश पर न्यूनतम आयु
90 दिन
90 दिन
प्रवेश पर अधिकतम आयु
70वर्ष
35 वर्ष
पूर्णवधि पर न्यूनतम आयु
18वर्ष 18वर्ष
पूर्णवधि पर अधिकतम आयु
85वर्ष 50वर्ष

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पॉलिसी अवधि
विकल्प- 1        10 से 25 वर्ष
विकल्प – 2      प्रवेश पर आयु के अनुसार

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25 वर्ष तक
26 से 30 वर्ष तक
31 से 35 वर्ष तक
10 से 25 वर्ष
10 से 20 वर्ष
10 वर्ष

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मृत्यु लाभ
मूल बीमाधन या यूनिट फंड वैल्यू दोनों में से जो भी अधिक हो जहाँ मूल बीमाधन
विकल्प 1 एकल प्रीमियम का 1.25 गुना
विकल्प – 2 एकल प्रीमियम का 10 गुना
पूर्णावधि लाभ
यूनिट फंड वैल्यू
अन्य उपलब्ध विकल्प
* दुर्घटना मृत्यु लाभ राइडर
* फंड परिवर्तन (एक पालिसी वर्ष में चार फंड परिवर्तन निःशुल्क)
* पाँच वर्ष के उपरान्त आंशिक निकासी एवं अभ्यर्पण
* मृत्यु लाभ किस्तों में लेने का विकल्प

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शुल्क
पालिसी एडमिनिस्ट्रेशन चार्ज शून्य
प्रीमियम एलोकेशन चार्ज
प्रीमियम का 3.30%
मृत्यु दर शुल्क
उम्र विशेष के आधार पर गणना
फंड मैनेजमेंट चार्जेज
चालू पालिसी में 1.35%
बंद पालिसी में 0.50%
ए.बी. राईडर चार्जेज
प्रति हजार बीमाधन पर रु.0.40

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Guaranteed Addition: % of SP 3/4/5/6/7 will be added to unit fund on completing 6/10/15/20/25 Yrs.

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Fund Type
Govt. Sec.
Money Mkt Type
Equity
Risk
 Bond Fund  Min 60%  Max 40% Nil  Low Risk
Secured Fund  45% to 85%  Max 40%  15% to 55% Lower to Medium
 Balanced Fund 30% to 70%  Max 40%  30% to 70% Medium
 Growth Fund  20% to 60%  Max 40%  40% to 80% High Risk

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इस पालिसी के निवेश पोर्टफोलियो में निवेश का जोखिम पॉलिसीधारक द्वारा वहन किये जाते हैं।

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