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:
- Age at Entry : 16 years to 58 years
- Maximum Maturity Age : 70 years
- Minimum Sum Assured : Rs.50,000
- Premium Payment mode: Single (Only one time)
- 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.