Key Features-

 Sum Assured along with the vested bonuses is payable on death in a lump sum.

 Survival benefit - Sum Assured along with the vested bonuses is payable in a lump sum    on survival to the end of the term. An additional Sum Assured is payable on death    thereafter.

Optional benefits for extra protection.

Guaranteed Surrender value on earlier termination of contract after expiry of 3 years or    more.

- Ideal for those who would require funds to meet the financial requirements arising at various stages like higher education and making a career, marriage, etc.

Money Back Plans

 Financial protection against death throughout the term of plan along with the periodic    payments on survival at specified durations during the term.
Chance to participate in the profits of life insurer’s business.
Accrual of Simple Reversionary Bonuses declared at the end of each financial year    which form part of the guaranteed benefits of the plan.
 Final (Additional) Bonus may also be payable provided policy has run for certain    minimum period.
 Suitable for those people who besides wishing to provide for their old age and family,    feel the need for lump sum benefits at periodical intervals.

Whole Life Plans

Key Features

- sum assured plus bonuses payable on the death of the policyholder or after expiry of specified minimum number of years.
- Availability of policy loan
- Option to pay single premium.
- Suitable for people of all ages who wish to protect their families from financial crises that may occur owing to the policyholder’s premature death.

Term Assurance Plans

Key Features

Low premium with high risk cover.
Sum assured payable only in the event of death of the Life Assured before the expiry of    the specified term.
Suitable for those who are initially unable to pay the larger premium or for those who    require huge risk cover without any expectation of returns.
Option is normally available of converting a policy into endowment assurance or limited    payment whole life assurance.

Children Plans

Key Features

The maturity benefit will be payable on the earlier of; either the child attaining    particular number of years of age or the life assured attaining certain number of years.

On the date of maturity, an amount equal to the policy holder`s fund value is payable.

In the unfortunate event of death of the policy holder, the nominee child will be paid    the Sum Assured under the policy.

On death all future premiums will be waived and units equivalent are credited to the    policy fund account at the applicable unit price.

Ideal solution to meet the financial requirements arising at various stages like higher    education and making a career, marriage, etc.

Various investment options are available.

PENSION PLANS

Key Features

life long annuity till death of the policy holder;

regular income during your old age;

payment of purchase price of annuity as death benefit;

option to commute partly;

tax benefits

GROUP INSURANCE

Key features

provides life insurance protection to groups of people;

ideal for employers, associations, societies etc.

group benefits at low costs;

Quicker settlement of claim for employer

Premium paid by employer is tax deductible expense.

Optional Special Group critical illness riders available.

HEALTH INSURANCE PLANS

Key Features

Unique long term health insurance plan that can combine health insurance covers for    the entire family (husband, wife and the children);

Hospitalisation Cash benefits and major surgical benefits;

New members can be added under certain circumstances;

Domicilliary Treatment/ OPD expense Benefits

Tax Benefits u/s.80D of the Income Tax Act, 1961