GUARANTEED ADDITIONS

The guaranteed additions @ Rs.25 per thousand sum assured for the first 5 years premium paid, and thereafter the policy will participate in profit sharing and bonuses will accrue under this policy.

Encashment of survival benefits as and when you need The policy holder at her choice, may avail the survival benefit any time on or after its due date.

FLEXIBILITY

After two years premiums have been paid, whenever premium payment is discontinued, the risk cover for full sum assured will continue for 3 years from due date of first unpaid premium. 

ACCIDENT BENEFIT
The double Accident Benefit is available during the premium paying term and even also during the extended risk cover of 3 years due to non payment of premium.  The maximum Accident Cover available under this plan will be Rs. 2,000,000/= (this limit excludes accident benefit under other plans.)

OPTION FOR ANNUITY (Pension)
The policy holder can opt for a pension in lieu of the maturity amounts. The annuity rates prevalent at the time of maturity will be applicable. This option should be exercised 6 months before date of maturity.
BENEFIT ILLUSTRATION

Age                                           :            28 years

Type of policy                           :            Divyangana   405 –  15

Period of cover                         :            15 years

Basic Sum Assured                  :            Rs. 1,000,000

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