• Moderate premium, high bonus, high liquidity and savings oriented
• Insurance for full Sum Assured (SA)
• Additional accidental insurance for SA
• Bonus will be added annually to the policy and payable on maturity along with SA

Suitable for

• People of all ages and social groups
• People who want to convert the lump sum received on maturity into pension for remaining life

• Premium payment up to limited policy terms
• Insurance for full sum assured for whole life
• Additional accidental insurance for sum assured till 70 years age (max. 5 lakhs)
• Sum assured and accumulated bonus are payable at the end of premium paying terms 

Suitable for

• People of all ages and social groups
• People who want to convert the lump sum received on maturity into pension for remaining life
• Professionals, Businessmen and regular income people who want to save money for future needs with lifelong insurance

• Single premium plan
• Policy will mature at the end of policy term
• Insurance for 125% of sum assured
• Additional accidental insurance for sum assured is available
• Sum assured along with loyalty additions will be payable on maturity
• 15% of the sum assured will be payable to the policyholder as survival benefit every 3 years after taking the policy till maturity

Suitable for

• People who need risk cover for life with single premium payment
• People who want to ensure financial security with regular payback amount

• Single premium plan
• Policy will mature at 80 years of policyholder’s age
• Insurance for sum assured
• Additional accidental insurance for sum assured is available
• Bonus will be added annually to the policy and payable on maturity along with sum assured
• Policyholder has the option to avail the maturity benefits on a later date or on death (Bonus will accrue till that date) 

Suitable for

• People who need risk cover for life with single premium payment
• People who want to ensure financial security to their family

• Available as Single or Limited premium payment plan. For limited payment option, premium payment term is half of policy term
• Policy will mature at the end of policy term (20/30/40 years)
• Insurance cover for the sum assured
• Survival benefit of 10% / 15% / 20% will be payable after completion of PPT for every 5 years till policy maturity depending upon policy term
• Additional accidental insurance for sum assured is available
• Guarenteed Addition (GA) will be added annually to the policy at the end of 5 years of policy term and payable on maturity along with sum assured
• GA per 1000 SA is 50 till 20th year, 55 therafter till 30th year, 60 therafter till 40th policy year

Suitable for

• People who want to save for their retirement life
• People who want to ensure financial security to their family

• Low premium, high returns, high liquidity and savings oriented
• Insurance for 125% of sum assured (SA)
• Additional accidental insurance for SA is available with small additional premium if the policyholder is above 18 years of age
• Lump sum along with guarenteed bonus is payable on maturity
• Policy loan is available

Suitable for

• People of all ages and social groups
• People earning large income and expected to retire earlier

• Premium can be paid as single or for 5 years depending upon the option selected
• The life risk coverage continues till the end of the policy
• Additional accidental insurance equal to sum assured
• Loyalty addition if any along with sum assured is payable on maturity

Suitable for

• People of all ages and social groups
• People who want to invest for their retirement life

• Provides protection and savings. Assures maturity benefit return at a predetermined future date independent of plicy holder's survival
• Insurance for full sum assured (SA)
• Additional accidental insurance for SA is available
• In case of unfortunate death of policyholder, premium payment stops but policy continues. Also 10% of the SA will be payable to the nominee at every year till the remaining policy period. Also full maturity sum will be payable at the end of policy term
• Bonus will be added annually to the policy, and payable with sum assured and loyalty addition (if any) on maturity
• Additional riders are available with the policy

Suitable for

• People of all ages and social groups
• People who want to convert the lump sum received on maturity into pension for remaining life

• Policy terms allowed are 16, 21 and 25 years
• Premium paying term is 10, 15 or 16 years respectively
• Insurance for the sum assured for full policy terms
• Additional accidental insurance and term assurance are available for the sum assured as option
• Bonus will be added annually to the policy and payable along with SA on maturity or an earlier death of policy holder
• Policy loan is available

Suitable for

• People who have high income for short period
• Professionals, businessmen, executives

• Policy term is fixed at 20 years and premium paying term is 15 years
• Insurance for the sum assured for full policy term
• Additional accident insurance for sum assured is available under the policy
• 20% of Sum Assured each will be payable at the end of 5th, 10th and 15th years
• 40% sum assured and accumulated bonus will be payable at the end of 20th year along with final additional bonus, if any

Suitable for

• Salaried people, Professionals and Businessmen who want to get money at regular intervals
• People who want to reinvest the returns during the policy term

• Policy term is fixed at 25 years and premium paying term is 20 years
• Insurance for the sum assured for full policy term
• Additional accident insurance for sum assured is available under the policy
• 15% of sum assured each will be payable at the end of 5th, 10th, 15th and 20th years
• 40% sum assured and accumulated bonus will be payable at the end of 25th year along with final additional bonus, if any

Suitable for

• Salaried people, Professionals and Businessmen who want to get money at regular intervals
• People who want to reinvest the returns during the policy term

• Policy will mature if the child completes 25 years age
• Premium is payable till the maturity
• Insurance cover for children less than 8 years age will start at the end of 2 policy years. It will start immediately for children above 8 years age
• Premium waiver benefit is available on proposer’s life
• Survival benefit - 20% of sum assured is payable at the end of 18 years, 20 years and 22 years of child age. Deferring the survival benefit is allowed as per rules 
• Maturity benefit - 40% of sum assured and accumulated bonus will be given to the child at the end of policy term along with final additional bonus if any
  

Suitable for

• Children (male/female) below 12 years age
• Parents or legal guardian of a child who want to provide financial security to the child

Suitable for

• Children (male/female) below 12 years age
• Parents or legal guardian of a child who want to provide financial security to the child

• Term insurance plan. Premium rates are very less on sum assured
• It is pure insurance cover policy and no returns from the policy at the end of policy term
• Premium is payable for 5 to 25 years, depends on insurance requirements
• Sum assured will be payable to nominee on unfortunate death of policyholder
• On maturity no amount will be payable to policyholder 

Suitable for

• People who need high risk cover at very low premium
• People who want to ensure financial security to their family in their absence

• Minimum sum assured allowed is 25 lakhs and there is no maximum limit
• Premium rates are very less on sum assured
• It is pure insurance cover policy and no returns from the policy
• Premium is payable for 10 to 40 years, depending on insurance requirements
• Sum assured will be payable to nominee on unfortunate death of policyholder
• On maturity no amount will be payable to policyholder 

Suitable for

• People who need high risk cover at very low premium
• People who want to ensure financial security to their family in their absence

• It is a single payment life time pension policy
• Annuity is payable immediately on purchase of the policy and will be paid monthly, quarterly, half-yearly or yearly
• Six different options are available on annuity payment. Once chosen, the option cannot be altered
• Minimum purchase price is 100000

Suitable for

• Everyone aged more than 30 years who want to provide financial security for their remaining life
• Employees, professionals, businessman and retired persons

• It is a single payment life time pension policy
• Annuity is payable after deferment period (1-12 years) and will be paid monthly, quarterly, half-yearly or yearly
• Two different options are available on annuity payment. Once chosen, the option cannot be altered
• Opt 1: Annuity is payable till life of single person and purchase price will be returned to nominee, Opt 2: Joint life, annuity for anyone
• Policy can be surrendered with the return of 95% purchase price

Suitable for

• Everyone aged more than 40 years who want to ensure financial security for their remaining life (with/without spouse)
• Employees, professionals, businessman and retired persons

• It is a single payment life time pension policy
• Annuity is payable immediately on purchase of the policy and will be paid monthly, quarterly, half-yearly or yearly
• Two different options are available on annuity payment. Once chosen, the option cannot be altered
• Opt 1: Annuity is payable till life of single person and purchase price will be returned to nominee, Opt 2: Joint life, annuity for anyone
• Policy can be surrendered with the return of 95% purchase price

Suitable for

• Everyone aged more than 40 years who want to ensure financial security for their remaining life (with/without spouse)
• Employees, professionals, businessman and retired persons

• It is an Unit Linked Insurance Plan
• Policy term can be opted from 10 to 20 years
• Premium payment will be regular up to policy term
• The allocated premium will be invested to buy units in any one of four fund types (Bond, Secured, Balanced or Growth Fund)
• Death sum assured is the maximum of 10 times the annualized premium or 105% premium paid or NAV
• Insurance cover for children less than 8 years age will start at the end of 2 policy years
• Accident Benefit Option and Critical Illness Benefit Rider will be available if the policyholder is more than 18 years age
• On maturity the fund value will be payable to policyholder

Suitable for

• People of all ages and social groups
• People who want take risk of investment on his own for getting possible additional income

• It is an Unit Linked Insurance Plan
• Policy term can be opted from 10 to 25 years
• Premium payment will be regular up to policy term
• The allocated premium will be invested to buy units in any one of four fund types (Bond, Secured, Balanced or Growth Fund)
• Death Sum assured is maximum of 10 times (7 times if age is above 55 years) the annualized premium or 105% premium paid or NAV
• Insurance cover for children less than 8 years age will start at the end of 2 policy years
• Accident Benefit Option and Critical Illness Benefit Rider will be available if the policyholder is more than 18 years age
• On maturity the fund value will be payable to policyholder

Suitable for

• People of all ages and social groups
• People who can take additional risk in investment for getting possible additional income

• It is an Unit Linked Insurance Plan
• Policy term can be opted from 10 to 25 years
• Single Premium payment
• The allocated premium will be invested to buy units in any one of four fund types (Bond, Secured, Balanced or Growth Fund)
• Sum assured is 1.25% of single premium will be available as insurance cover during policy term
• Guranteed additions will be added to the policy at the end of 6/10/15/20 years depending on policy term
• Insurance cover for children less than 8 years age will start at the end of 2 policy years
• Accident Benefit Option and Critical Illness Benefit Rider will be available if the policyholder is more than 18 years age
• On maturity the fund value will be payable to policyholder

Suitable for

• People of all ages and social groups
• People who can take risk additional risk in investment for getting possible additional income

• Low premium, high returns, high liquidity and savings oriented
• Insurance for full sum assured (SA)
• Additional accidental insurance for SA is available with small additional premium if the policyholder is above 18 years of age
• Sum assured along with loyalty addition is payable on maturity
• Policy loan is available
• No medical test is required for taking this plan

Suitable for

• People of all ages and social groups. Allowed only on male lives
• People who want to convert the lump sum received on maturity into pension for remaining life

• Low premium, high returns, high liquidity and savings oriented
• Insurance for 110% of sum assured (SA)
• Additional accidental insurance for SA is available with small additional premium if the policyholder is above 18 years of age
• Sum assured along with loyalty addition is payable on maturity
• Policy loan is available
• No medical test is required for taking this plan

Suitable for

• People of all ages and social groups. Allowed only on female lives
• People who want to convert the lump sum received on maturity into pension for remaining life

• Premium is payable regularly for fixed term 15, 20, 25 or 30 years and maturity benefits are payable at the 100th age of policyholder or early death if any as death claim
• 8% of Sum Assured will be payable at the end premium paying term for every years till maturity
• Additional accident insurance for sum assured is available under the policy

Suitable for

• Salaried people, Professionals and Businessmen who regular returns (pension) during their old age
• People who want to insurance protection for long term

• This is special policy for High Networth Individuals. Minimum sum assured is one crore rupees
• Policy term is 14, 16, 18 or 20 years. Premium is payable regularly for a term four years less than policy term
• Part of the sum assured (30%, 35%, 40% or 45% depending on policy term) will be paid back at the end of premium paying term and two years after the premium paying term
• Remaining sum assured along with accrued Guaranteed Additions and Loyalty Addition, if any will be paid at the end of policy term
• Bonus is guarendeed at the rate 0f Rs. 50 for ther the first five years and Rs. 55 for the remaining policy term per 1000 sum assured
• Insurance cover of 125% of sum assured is available during entire policy term
• Additional accident insurance for 100% of sum assured is available under the policy
• Critial Illness Rider is inbuilt with the policy and it covers against 15 major illnesses for 10% of the sum assured

Suitable for

• Highly earning Salaried people, Professionals and Businessmen
• High Networth individuals who require savings for their future with insurance protection

• This is special policy for targeted segment of High Networth Individuals. Minimum sum assured is ten lakh rupees
• Policy term is 14, 16, 18 or 20 years. Premium is payable regularly for a term four years less than policy term
• Part of the sum assured (30%, 35%, 40% or 45% depending on policy term) will be paid back at the end of premium paying term and two years after the premium paying term
• Remaining sum assured along with accrued Guaranteed Additions and Loyalty Addition, if any will be paid at the end of policy term
• Bonus is guarendeed at the rate 0f Rs. 50 for ther the first five years and Rs. 55 for the remaining policy term per 1000 sum assured
• Insurance cover of 125% of sum assured is available during entire policy term
• Additional accident insurance for 100% of sum assured is available under the policy
• Critial Illness Rider is available as optional cover with the policy

Suitable for

• High earning Salaried people, Professionals and Businessmen
• High Networth individuals who require savings for their future with insurance protection

• It is a unique non-participating non-linked plan which provides health insurance covert to whole family
• Hospital Cash Benefit (HCB), Major Surgical Benefit (MSB) and Day Care Procedure Benefit, Ambulance Benefit and Premium Waiver Benefit (PWB) are available under the policy
• Policyholder has to include his/her family members (spouse, parents, spouse's parents and children) at the time of taking the policy. No inclusion shall be entertained later except for marriage or childbirth after initiating the policy
• The HCB is a daily benefit payable in case of hospitalization up to Rs. 4000. The amount of daily benefit doubles in case of hospitalization in ICU
• HCB for each family member should be specified by the policyholder at the time of taking the policy and the premium payable will be decided based on this amount. HCB will keep on increasing by 5% per year till reaching 1.5 times of initial year’s HCB
• Sum assured will be 100 times of initial HCB. MSB will be given up to sum assured amount based on type of surgical procedure
• HCB will be terminated after utilizing 720 day including 360 days in ICU. MSB will be terminated after utilizing 8 times of sum assured. Both HCB and MSB will terminate after 80 years age for policyholder and spouse. For child, the ceasing age is 25 years
• Policy will continue until the death of policyholder and spouse. No surrender is allowed
• Tax benefit is available for the policyholder under section 80D of Income Tax Act

Suitable for

• Everyone who want to safeguard from unexpected medical expenditure for their family
• Employees, professionals and businessmen who want invest for their future medical treatment needs

• It is a regular premium payment health insurance plan which provides financial protection in case the Life Assured is diagnosed with any of the specified Early and/or Major Stage Cancer during the policy term
• Two options are available. Option-1: Constant sum assured during policy term. Option-2: The Sum Insured increases by 10% of Basic Sum Insured each year for first five years
• If Early Stage Cancer is diagnosed, 25% of Applicable Sum Insured shall be paid and Premiums for next three policy years shall be waived
• If Major Stage Cancer is diagnosed, (1) 100% of Applicable Sum Insured shall be paid excluding previous paid if any, (2) 1% of Applicable Sum Insured shall be payable on each policy month for ten years irrespective of the survival of the Life Insured and (3) all the future premiums shall be waived
• Tax benefit is available for the policyholder under section 80D of Income Tax Act

Suitable for

• Everyone who want to safeguard from unexpected medical expenditure due to Cancer