NAULO DHANBARSHA-FIX PLAN

Policy Term Premium Payment Term Pre-payment (Money Back) Survival Benefit Bonus Payment In case of death within Insurance Term
10 yrs 8 yrs After 2 years

After 4 years

After 6 years

After 8 Years

10% of Sum Assured

20% of Sum Assured

30% of Sum Assured

40% of Sum Assured

After 10 years >>>Sum Assured Plus Bonus
15 yrs 12 yrs After 3 years

After 6 years

After 9 years

After 12 Years

10% of Sum Assured

20% of Sum Assured

30% of Sum Assured

40% of Sum Assured

After 15 years >>>Sum Assured Plus Bonus
20 yrs 16 yrs After 4 years

After 8 years

After 12 years

After 16 years

10% of Sum Assured

20% of Sum Assured

30% of Sum Assured

40% of Sum Assured

After 20 years Sum Assured with bonus
25 yrs 20 yrs After 5 years

After 10 years

After 15 years

After 20 years

10% of Sum Assured

20% of Sum Assured

30% of Sum Assured

40% of Sum Assured

After 25 years >>>Sum Assured Plus Bonus

Premium Payment: Single (Only one time)

Rebate

1. Discount on Sum Assured:

Sum Assured Discount (Per thousand)
Rs.5,01,000/- to Rs.25,00,000/- Rs.0.50/-
Rs.25,01,000/- to Rs.50,00,000/- Rs.1/-
Rs.50,01,000/- to Rs.100,00,000/- Rs.1.5/-
Rs.100,01,000/- & above Rs.2/-

Death Risk: Sum Assured plus acquired bonus shall be payable to nominee or next kin of insured as per Insurance Act without deducting any pre-payment (money back) made earlier if any. In case of single premium payment mode 2.5 of Sum Assured plus acquired bonus shall be payable.

Rider: Combined Accidental Death Benefit (ADB), Permanent Total Disability (PTD) and Premium Waiver Benefit (PWB) riders are available under this plan. If insured dies within the policy terms due to accident, then additional amount equal to Sum Assured not exceeding 5 million shall be paid to nominee or his/her next kin. If Insured becomes permanent total disable as stated in policy bond due to accident then his/her future premium of Sum Assured not exceeding 5 million shall be waived and insured shall get an amount equal to Sum Assured not exceeding 5 million shall be paid in 120 monthly equal installments, as well as policy shall remain enforced.
Entry Age: 16 Yrs to 60 Yrs
Maximum Age at Exit: 70 Yrs

NAULO JEEVAN SAMBRIDDHI-FIX PLAN

Policy Term Premium Payment Term Pre-payment (Money Back) Survival Benefit Bonus Payment In case of death within Insurance Term
10 yrs 10 yrs After 4 years

After 8 years

40% of Sum Assured

60% of Sum Assured

After 10 years >>>Sum Assured Plus Bonus
15 yrs 12 yrs After 4 years

After 8 years

After 12 years

30% of Sum Assured

30% of Sum Assured

40% of Sum Assured

After 15 years >>>Sum Assured Plus Bonus
20 yrs 16 yrs After 4 years

After 8 years

After 12 years

After 16 years

20% of Sum Assured

20% of Sum Assured

20% of Sum Assured

40% of Sum Assured

After 20 years >>>Sum Assured Plus Bonus
25 yrs 20 yrs After 4 years

After 8 years

After 12 years

After 16 years

After 20 years

15% of Sum Assured

15% of Sum Assured

15% of Sum Assured

15% of Sum Assured

40% of Sum Assured

After 25 years >>>Sum Assured Plus Bonus

Premium Payment: Single (Only one time)

Rebate

1. Discount on Sum Assured:

Sum Assured Discount (Per thousand)
Rs.5,01,000/- to Rs.25,00,000/- Rs.0.50/-
Rs.25,01,000/- to Rs.50,00,000/- Rs.1/-
Rs.50,01,000/- to Rs.100,00,000/- Rs.1.5/-
Rs.100,01,000/- & above Rs.2/-

Death Risk: Sum Assured plus acquired bonus shall be payable to nominee or next kin of insured as per Insurance Act without deducting any pre-payment (money back) made earlier if any. In case of single premium payment mode 2.5 of Sum Assured plus acquired bonus shall be payable.

Rider: Combined Accidental Death Benefit (ADB), Permanent Total Disability (PTD) and Premium Waiver Benefit (PWB) riders are available under this plan. If insured dies within the policy terms due to accident, then additional amount equal to Sum Assured not exceeding 5 million shall be paid to nominee or his/her next kin. If Insured becomes permanent total disable as stated in policy bond due to accident then his/her future premium of Sum Assured not exceeding 5 million shall be waived and insured shall get an amount equal to Sum Assured not exceeding 5 million shall be paid in 120 monthly equal installments, as well as policy shall remain enforced.
Entry Age: 16 Yrs to 60 Yrs
Maximum Age at Exit: 70 Yrs

 

JEEVAN UNNATI-FIX PLAN

Money-Back, Payment Schedule & Death Benefit:

Policy Term Premium Paying Term Survival Benefit (Money Back) Maturity Payment In case of death within policy Term
12 yrs 10 yrs or Single After 4 years 30% of Sum Assured 40% of Sum Assured plus Bonus In case of single premium mode – 2.5 times of sum assured with bonus of basic assured,

Other payment option- Basic sum assured with bonus

After 8 years 30% of Sum Assured
16yrs 14 yrs or Single After 4 years 20% of Sum Assured 40% of Sum Assured plus Bonus In case of single premium mode – 2.5 times of sum assured with bonus of basic assured,

Other payment option- Basic sum assured with bonus

After 8 years 20% of Sum Assured
After 12 years 20% of Sum Assured
20 yrs 18 yrs or Single After 4 years 15% of Sum Assured 40% of Sum Assured plus Bonus In case of single premium mode – 2.5 times of sum assured with bonus of basic assured,

Other payment option- Basic sum assured with bonus

After 8 years 15% of Sum Assured
After 12 years 15% of Sum Assured
After 16 years 15% of Sum Assured

Rebate

1. Discount on Sum Assured:

Sum Assured Discount (Per thousand)
Rs.5,01,000/- to Rs.25,00,000/- Rs.0.50/-
Rs.25,01,000/- to Rs.50,00,000/- Rs.1/-
Rs.50,01,000/- to Rs.100,00,000/- Rs.1.5/-
Rs.100,01,000/- & above Rs.2/-

Key Benefits:

  • Money back at regular intervals.
  • On maturity, only bonuses declared and vested in the policy plus 40% of Sum Assured will be paid.
  • In case of the death of the life insured before maturity, death benefit equal to 2.5 times of basic Sum Assured in case of single payment mode, basic sum assured only in case of other payment mode plus bonuses declared and vested in the policy as on the date of death; without deduction of survival benefits already paid as per below Money Back Schedule.

Policy Eligibility:

  1. Age at Entry : 16 years to 58 years
  2. Maximum Maturity Age : 70 years
  3. Minimum Sum Assured : Rs.50,000
  4. Premium Payment mode: Single (Only one time)
  5. ADB/PWB/TPD: [Accident only- Available for Age at entry 16 years and above]. Available for full policy term, equal to sum assured but not more than 100,000,000 by payment of additional premium during premium paying term subject to maximum age of 70 years.