• Exclusive money back plan
• Free insurance cover for 3 Yrs if 1st 2 Yrs premium has been paid
• Option to encash the survival benefits as and when needed.
• Flexibility to pay premium in advance and avail premium rebate of 4% per annum
• Option to receive maturity proceeds in the form of annuity.

This plan is a money back plan. The policy is issued only for 2 terms of 15 & 20 Years. The minimum and maximum age is 18/50 years. Maximum maturity age is 70 Yrs. Minimum sum assured is Rs.50,000/-. Max sum assured (SA) is Rs.25 lakhs, Premium payment allowed only as yearly only.

Guaranteed addition: An amount @ of Rs 50/ per thousand sum assured per annum is payable for the first five years

Survival benefits: 20% of SA is payable at the end of 5 / 10 yrs for 15 yr term. The balance of 60% of SA along in the guaranteed additions + bonus if any, is payable on maturity.

20% of SA is payable at the end of 5 / 10 / 15 yrs for 20 yr term. The balance of 40% of SA along in the guaranteed additions + bonus if any, is payable on maturity.

Death benefits: Full SA, irrespective of all earlier survival benefits paid plus guaranteed additions plus bonus if any will be payable to the nominee.

Special feature of this policy is that it covers. female critical illness and congenital disability benefit.

1. Female critical illness benefit: A benefit equal to the SA (subject to maximum 2 lakhs) will be available on the occurrence of any of the following critical illnesses -breast cancer, ovarian fallopian tube cancer, cervical cancer, uterine cancer, vaginal cancer/vulval Cancer.
2. Congenital disability benefit: If a child born to the policy-holder, suffers from any of the congenital disabilities, listed below, a benefit equal to 50% of SA (subject to a maximum Rs.1 lakh) will be available for two children- -conditions apply. The list of congenital disabilities - downs syndrome, spina bifida, tetra logy of fallot, oesophageal atresia & tracheo-oesaphageal fistula, anal atresia, imperforate anus, cleft palate with or without cleft lip.

Benefit illustration: Age - 30 Years; Term: 20 years; Sum Assured: 1 lakh; Yearly Premium: Rs.7,445/-.

During the Year - 3rd Year - SA 1 lakh + guaranteed addition of Rs.10,000/-

During the Year - 8th Year - SA 1 lakh + guaranteed addition of Rs.25,000 + accrued bonus if any

During the Year - 12th Year - SA 1 lakh + guaranteed addition of Rs.25,000 + accrued bonus if any

Rs.20,000/- at the end of 5th year, Rs.20,000/- at the end of 10th year, Rs.20,000/- at the end of 15th year.