• 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 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

• 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

• 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 and want to pay 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

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 13 years age
• Parents or legal guardian of a child who want to provide financial security to the child

• Minimum sum assured allowed is 50 lakhs and there is no maximum limit
• Sum assured can be made increasing during policy term
• Premium is payable regularly for the full policy term or can be limited to 10 or 15 years
• Sum assured will be payable to nominee on unfortunate death of policyholder
• On maturity no amount will be payable to policyholder 

Suitable for

• Young 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

• 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
• 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
• Guaranteed 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

• 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
• Guaranteed 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

• 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

• Premium is payable regularly for fixed term between 5 and 16 years and maturity benefits are payable at the 100th age of policyholder or early death if any, as death claim
• 10% of Sum Assured will be payable at the end premium paying term for every years till maturity
• Option to defer the survival benefit is available and income will accumulate with addition of 5.5% per year
• Additional rider options are available under the policy

Suitable for

• Salaried people, professionals and businessmen who want to make sure their own/loved one's regular income during their remaining lifetime starting anytime after 18 years of age
• People who want to ensure regular income similar to pension

• This is special policy for targeted segment of High Net worth 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 guaranteed at the rate 0f Rs. 50 for 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
• Critical Illness Rider is available as optional cover with the policy

Suitable for

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