ENDOWMENT PLANS

COMPANY PRODUCT MAIN FEATURE AGE GROUP

1. Bajaj Allianz 1. InvestGain Growth, Liquidity, Returns ENTRY scheme1: 0 to 65

scheme2: 18 to 50
MATURITY 70

2. SaveCare Economy SP 10 yr Single Premium ENTRY 0 to 60

MATURITY 70

3. Life Time Care Growth, Liquidity, Returns ENTRY scheme1: 15 to 65

scheme2: 18 to 50
MATURITY 80

4. Super Saver Premium Paid + Guaranteed additions ENTRY 18 to 60

2 yrs policy in force even if premium not paye MATURITY

2. SBI Life 1. Sudarshan Savings + Protection ENTRY 12 to 60

MATURITY

2. Scholar II Child Education payable at 18-21 yrs of ENTRY parents: 18 to 60

child's age in case of survival child:0 to 15
MATURITY parent: 70

3. ICICI Prudential 1. SmartKid Reg Premium Child Education payable at 18-22 yrs of ENTRY parents: 20 to 60
child's age in case of survival child:0 to 12
MATURITY parent:50 to 70

2. Save'n'Protect Savings with Life Cover ENTRY 0 to 60

MATURITY 18 to 70

3. CashBak Protection, Savings, Periodic Liquidity ENTRY 16 to 55

MATURITY 31 to 70

4. Birla Sunlife 1. Guaranteed Bachat Plan Pure Endowment ENTRY 0 to60

MATURITY 70

5. LIC India 1. The Endowment Assurance Protection, Savings, Periodic Liquidity ENTRY 12 to 65
MATURITY 70

2. The Endowment Assurance - Protection, Savings, Periodic Liquidity ENTRY 12 to 65

Limited Payment MATURITY 70
 3. Jeevan Mitra(Double cover) Savings with Double Life Cover ENTRY 18 to 50
MATURITY 70

4. Jeevan Mitra(Triple cover) Savings with Triple Life Cover ENTRY 18 to 50

MATURITY 70

5. Jeevan Anand Endowment + Whole Life ENTRY 18 to 65

MATURITY 70 to 75

6. New Janaraksha Growth, Liquidity, Returns ENTRY 18 to 50

MATURITY 38 to 70

7. Jeevan Amrit Growth, Liquidity, Returns with limited payme ENTRY 12 to 60

MATURITY 70

6. ING Vysya 1. Reassuring Life Growth, Liquidity, Returns ENTRY 12 to 55

MATURITY 65

2. Safal Jeevan Growth, Liquidity, Returns ENTRY 18 to 45

MATURITY 60

3. Powering Life Growth, Liquidity, Returns ENTRY 18 to 60

MATURITY 65

7. Reliance Life 1. Endowment Plan Growth, Liquidity, Returns ENTRY 5 to 65

MATURITY 18 to 75

2. Special Endowment Plan Growth, Liquidity, Returns ENTRY 12 to 65

MATURITY 22 to 75

3. Connect 2 Life Regular Income at stages ENTRY 18/45

MATURITY 33/62
8. Tata AIG 1. Golden Years Plan Growth, Liquidity, Returns ENTRY 18 to 50
MATURITY 60

9. HDFC Standard 1. Endowment Assurance Growth, Liquidity, Returns ENTRY 12 to 60

MATURITY 75

2. Assurance Plan Growth, Liquidity, Returns ENTRY 18 to 50

MATURITY 60

3. Savings Assurance Plan Growth, Liquidity, Returns ENTRY 18 to 50

MATURITY 60

10. Aviva 1. Anmol Surksha Pure Endowment + Term ENTRY 18 to 45

MATURITY 60

2. Dhan Vriddhi Pure Endowment ENTRY 13/18 to 55

MATURITY 65/70

3. Money Back Growth, Liquidity, Returns ENTRY min: 12 to 15

max: 49 to 55/58
MATURITY 70

11. Kotak Old Mutual 1. Endowment Growth, Liquidity, Returns ENTRY 18 to 65

MATURITY 75

2. SukhiJeevan Growth, Liquidity, Returns ENTRY 0 to 60

MATURITY 70

3. Premium Return Plan Pure Endowment ENTRY 18/50

MATURITY 60/65/70

4. Child Advantage Plan Child Plan ENTRY 0 to 17

MATURITY .
12. Max New York Life 1. 20yr Endowment(Par) Growth, Liquidity, Returns ENTRY 20 to 50
MATURITY 70

2. Children's Endowment till 18 Child Plan ENTRY 0 to 13

MATURITY 18

3. Children's Endowment till 24 Child Plan ENTRY 0 to 15

MATURITY 24

13. Met Life 1. Suvidha Growth, Liquidity, Returns ENTRY 15 to 70

MATURITY 75

2. Sukh Growth, Liquidity, Returns ENTRY 15 to 55

MATURITY 75

3. Saral Growth, Liquidity, Returns ENTRY 15 to 50

MATURITY 60

4. Junior Endowment Child Plan ENTRY 0 to 14

MATURITY .

14. Sahara Life 1. Nidhi Growth, Liquidity, Returns ENTRY 14 to 60

MATURITY 70

2. Sahyog Growth, Liquidity, Returns ENTRY 18 to 60

Micro Insurance Policy MATURITY 75

15. Shriram Life 1. ShriLife Pure endowment ENTRY 12 to 65

MATURITY 75

2. ShriNidhi Growth, Liquidity, Returns ENTRY 15 to 65

 MATURITY 75

3. ShriRaksha Growth, Liquidity, Returns ENTRY 12 to 65

MATURITY 75

4. ShriLaabh Growth, Liquidity, Returns ENTRY 12 to 65

MATURITY 75

5. ShriVivaah Growth, Liquidity, Returns ENTRY 18 to 50

MATURITY 75

16. Bharti AXA 1. SaveConfident Growth, Liquidity, Returns ENTRY 12 to 55

MATURITY 70

17. Star Union Dai-ichi 1. Jeevan Safar Endowment+Whole Life ENTRY 18 to 60

MATURITY 70
 TERM (yrs) Min/Max SA MINIMUM PREMIUM INCREASE IN SA

5 to 40 50K,NL Y-5000, HY-2500, Q-1250, M-700 YES on marriage,

eme2: 18 to 50 childbirth 1&2

10 50K/NL 35300 NO

eme1: 15 to 65 Y-1500, HY-800, Q-450, M-150 YES on marriage,

eme2: 18 to 50 childbirth 1&2

10 to 30 20K/NL 50K NO

50K/1CR . A. BasicSA+Gbonus
B. BasicSA+Gbonus+5%

child: 21yrs old 50K/1CR . NO

1L/30L 8400 NO

10 to 30 50K/1CR 6000 NO

15 to 20 75K/NL . NO

10 to 40 5x annual base Y-3600 or 1200*7=8400 Automatically

premium

5 to 55 50K/NL . NO

5 to 55 50K/NL NO
15 to 30 50K/NL . NO

15 to 30 50K/NL . NO

5 to 57 1L/NL . NO

12 to 20 30K to 7.5 L . NO

10 to 30 1L/NL . NO

10 to 30 . Y-6000, HY-3000, Q-1500, M-750 NO

10,15,20 . Y-2K to 4K NO
HY-1K to 2K
Q-500 to 1K

10,15,20 . Y-24000, HY-12000, NO

paying min:5, max:9,14,19 Q-6000, M-3000

10 to 70 less than 18: 25K to 5L Y-2000, HY-1500, Q-750, M-250 NO

less than 18: 25K to NL

10 to 40 25K/NL . NO

15 . . YES in stages
. 25K/NL . NO

10 to 30 . . NO

10 to 30 Max 5L with limited doc Y-1800, HY-1000, NO

Q-550, M-200

10 to 30 . Y-1800, HY-1000, NO
Q-550, M-200

5,10,15,20 10K/5L . NO

10 to 25 50K/NL Y-5000 NO

12,15,18,21 12,15yr term: 50K/NL Y-5000 NO

18,21yr term: 75K/NL

10 to 30 . 4000 NO

10 to 25 . min: 3500 NO
max:25000

10 100% 5882 NO
15 111% 5882
20 125% 8824

10 to 30 max 25L 4K NO
20 1L/5CR . NO, decrease if riders utilized
YES,from bonuses

18-age of entry Single: 75K Max face amt:50L NO

Regular: 1L

24-age of entry Single: 75K Max face amt:50L NO

Regular: 1L

participating: 15 to 30 75000/NL 2500 NO

non participating:5 to 30

20 75000/NL 8000 NO

5,10 1L/1L . NO

15 to 30 50K,NL . NO
PPT: 15,20,25,30

10 to 50 50K/NL . NO

5to 15 5K/30K . NO

7 to 25 35K/NL . NO

6 to 24 50K/NL . NO
10 to 25 50K/NL . NO

5 to 25 20K/NL . NO

7 TO 25 50K/NL . NO

12, benefit-15 . 6000 NO

5 to 52 50K/NL . NO
PREMIUM PAYING MODE DEATH BENEFIT REVIVAL PERIOD LOANS
(no.of yrs from last unpaid premium) AVAILABLE

Yearly, Half Yearly, Quaterly, Monthly 1/2/3/4 times protection . 90%SV

Single Sum Assured + Bonuses . 90%SV

Regular . . 90%SV

. . 2 90%SV

Single Sum Assured + Bonuses . .

Yearly, Half Yearly, Quaterly, Monthly

Single Sum Assured + . .

Yearly, Half Yearly, Quaterly, Monthly Payment to child

Yearly, Half Yearly, Monthly Sum Assured + . .

Payment to child

Yearly, Half Yearly, Monthly Sum Assured+ . YES

Guaranteed Additions @3.5%pa+
bonuses

Yearly, Half Yearly, Monthly Sum Assured+ . .

Guaranteed Additions @3.5%pa+
bonuses

. Sum Assured 2 90%SV

Yearly, Half Yearly, Quaterly, Monthly, Sum Assured . YES

Salary Saving Sceme

Yearly, Half Yearly, Quaterly, Monthly, Sum Assured . YES

Salary Saving Sceme
Yearly, Half Yearly, Quaterly, Monthly, Twice Sum Assured . .
Salary Saving Sceme

Yearly, Half Yearly, Quaterly, Monthly, Thrice Sum Assured . .

Salary Saving Sceme

Yearly, Half Yearly, Quaterly, Monthly, Sum Assured . .

Salary Saving Sceme

Yearly, Half Yearly, Quaterly, Monthly, Sum Assured . .

Salary Saving Sceme

Yearly/Half Yearly during policy term of Sum Assured 5 YES at 9%pa

3/4/5/ yrs on SV

Yearly, Half Yearly, Quaterly, Monthly Sum Assured . .

Yearly, Half Yearly, Quaterly Sum Assured . 90%SV

Yearly, Half Yearly, Quaterly, Monthly Sum Assured . After 2yrs

Yearly, Half Yearly, Quaterly, Monthly Sum Assured+Bonuses . After 3yrs

Yearly, Half Yearly, Quaterly, Monthly Sum Assured over extended 5yrs . 90%SV

. Sum Assured+Bonuses 5 90%SV

. Sum Assured+Bonuses 5 .

. Sum Assured . .

Yearly, Half Yearly, Quaterly, Monthly Sum Assured(80% for 1st yr) NO

Yearly, Half Yearly, Quaterly, Monthly Sum Assured(80% for 1st yr) . NO

Yearly, Half Yearly, Quaterly, Monthly Sum Assured 1 YES if policy has cash value
and premiums not payed in time

Yearly, Half Yearly, Quaterly, Monthly Sum Assured 2 YES if policy has cash value
and premiums not payed in time

. Sum Assured + Bonuses 2 .

. Sum Assured + Bonuses 2 YES if policy has cash value

and premiums not payed in time

. Sum Assured + Bonuses 2 80%SV

Yearly, Half Yearly, Quaterly, Monthly Sum Assured - Premium Unpaid 2 .

Yearly, Half Yearly, Quaterly, Monthly Sum Assured + Bonuses 2 .

1. Regular Sum Assured + Bonuses . 90%SV
2. From Bonuses declared

Yearly, Half Yearly, Monthly Premiums Paid + Interest . .

Yearly, Half Yearly, Monthly Premiums Paid + Interest . .

Single,Limited,Regular Sum Assured + Bonuses* 3 90%SV

. Sum Assured + Bonuses 3 .

Yearly. Half Yearly 1L . .

Yearly, Half Yearly, Quaterly, Monthly Sum Assured + Bonuses: PAR . .

Sum Assured :NON- PAR

Yearly, Half Yearly, Quaterly, Monthly, 15 day Sum Assured + Bonuses 3 YES

Yearly, Half Yearly, Quaterly Sum Assured 2 NO

Yearly, Half Yearly, Quaterly Sum Assured 5 90%SV

Yearly, Half Yearly, Quaterly Sum Assured + Bonuses 5 .

Yearly, Half Yearly, Quaterly Sum Assured + Bonuses 5 90%SV

Yearly, Half Yearly, Quaterly Twice Sum Assured + Bonuses . 90%SV

Yearly, Half Yearly, Quaterly Sum Assured + Bonuses 5 90%SV

Yearly, Half Yearly, Quaterly Sum Assured + Bonuses 2 .

Yearly, Half Yearly, Quaterly Sum Assured + Bonuses 3 YES

SURRENDER PROFIT SHARING TAX RIDERS/ADDITIONAL BENEFITS AVAILABLE
BENEFIT BENEFITS

30-60% YES 80C, 80D, 10(10)D 1. Family Income Benefit

2. Accidental Death/Disability/Premium Waiver
3. Critical Illness
4. Hospital Cash
5. MahilaGain Rider

60-70% YES with g. returns 80C, 10(10)D .

YES after 3yrs YES 80C, 80D, 10(10)D 1. Economy

2. Accidental Death/Disability/Premium Waiver
3. Critical Illness
4. Hospital Cash
5. Total
6. Discount to women

30% YES 80C, 80D, 10(10)D 1. Auto Cover

2. Paid up value ofter 3 yrs
3. Accidental Disability Benefit
4. Family Income Benefit

. YES 80C, 80D, 10(10)D 1. Critical Illness

2. Pure Term Assurance
3. Accidental Death & Total Permanent Disability

. YES 80C, 80D, 10(10)D 1. Critical Illness

2. Accidental Death & Total Permanent Disability
3. Premium Waiver

35% + YES 80C, 10(10)D 1. Income Benefit

2. Accidental Death & Disability

YES* YES 80C, 80CCC, 10(10)D 1. Extended life cover for 5 yrs @50% of sum assured
2. Critical Illness
3. Accidental Death and Disability Benefit Rider
4. Accident Benefit Rider

35% after 3yrs YES 80C, 80D, 10(10)D 1. Guaranteed Survival Benefits at milestones
2. Critical Illness
3. Accidental Death and Disability Benefit Rider
4. Accident Benefit Rider

YES after 3yrs NO 80C, 10(10)D 1. Increasing Life Cover

. YES 80C, 10(10)D 1. Disability Death Benefit

2. Accident Benefit
3. Premium Stoppage option after 3 yrs

. YES 80C, 10(10)D 1. Limited premium payments

30% + YES 80C, 10(10)D 1. Riders sepapately available

30% + YES 80C, 10(10)D .

30% + YES 80C, 10(10)D 1. Accident Benefit

2. Other Riders sepapately available

30% + YES 80C, 10(10)D 1. Accident Death Benefit

2. Other Riders sepapately available

30% + YES 80C, 10(10)D 1. Choose Sum Assured (S.A.), Premium Paying Term,
Policy Term and Mode of premium payment
2. Suicide is excluded for first year. No other exclusions

. YES 88, 10(10)D 1. Term Rider

2. Accident Death
3. Accidental Death, Disability & Dismemberment

30% YES 88, 10(10)D 1. Accidental cover in-built

. YES 88, 10(10)D 1. Term Rider

2. Accident Death
3. Accidental Death, Disability & Dismemberment
4. Waiver of Premium
5. Bonus at end of every year & end of term

30% YES 80C, 80D, 10(10)D 1. Term Rider

2. Accidental Death, Disability & Dismemberment
3. Critical Conditions
4. Inbuilt waiver of premium

30% YES 80C, 80D, 10(10)D 1. Accidental Death, Disability & Dismemberment
2. Critical Conditions
3. Compounded bonuses paid
4. Inbuilt waiver of premium
6. Payor Benefit(for juvenile)

30% YES 80C, 10(10)D 1. No medical tests

2. Silver plan: 10L enhanceable by 5L+5L
Gold Plan: 20 L enhanceable by 10L+10L
 30% YES 80C, 80D, 10(10)D 1. 10% extra payout in case of death/10yrs
2. Accidental Benefit
3. Critical Illness
4. Term Benefits
5. Waiver of Premium

50% YES 80C, 80D, 10(10)D 1. Accidental Death Benefit

2. Critical Illness
3. Additional Term
4. Waiver of Premium

50% YES 80C,10(10)D 1. No medical examination

50% YES 80C,10(10)D 1. No medical examination

2. Automatically invested from bank a/c
3. Min. premium per month is 200

30% NO 80C,10(10)D 1. Guaranteed additions @65/1000 pa

not payed in time 2. Rebates for higher sums

30% NO 80C,10(10)D 1. Guaranteed additions @70/1000 pa

not payed in time 2. Rebates for higher sums
3. 20% of SA payed every 5 yrs on survival
4. Accidental Death Benefit

30% YES after 3 yrs 80C,10(10)D 1. Guaranteed additions @40/1000 pa

2. 12/15/18/21 yr period
3. Accidental Death

30% YES 80C, 80D, 10(10)D 1. Term/Preferred Term

not payed in time 2. Accident Death Benefit
3. Permanent Disability
4. Critical Illness
5. Life Guardian
6. Accidental Disability Guardian Benefit
7. Single/Staggered payout
8. Limited premium paying term option

30% YES 80C,10(10)D 1. No medical test

2. Single/Staggered payout
3. Accidental Death

70% NO 80C,10(10)D 1. No medical test

30% + YES 80C, 10(10)D 1. Life Guardian Benefit

2. Accidental Disability Guardian Benefit
3. Automatic Cover Maintainence
. YES 80C,10(10)D 1. Accident Death Benefit
2. Waiver of premium
3. Term Rider
4. Term R&C Rider(convertibility)
5. Bonus can be used for increasing SA/cash payout/premium payment

30% + YES 80C, 10(10)D 1. Payor Benefit Rider

30% + YES 80C, 10(10)D 1. Payor Benefit Rider

30% YES 80C, 80D, 10(10)D 1. Participating/Non-participating options available

2. Accident Benefit
3. Waiver of premium
4. Term Rider
5. Critical Illness

YES YES 80C, 80D, 10(10)D 1. Accident Death Benefit

2. Waiver of premium
3. Term Rider
4. Critical Illness
5. Payouts at 5,10,15,maturity
6. Guaranteed additions @100/1000 pa

NO NO 80C, 80D, 10(10)D 1. No medical tests

2. SA=1L
3. Accident Death Benefit
4. Waiver of premium
5. Term Rider
6. Critical Illness

. YES 80C, 10(10)D NO

30%SV YES 88, 10(10)D 1. Accidental Death, Disability

30%SV NO 80C .

30%SV NO 80C, 10(10)D 1. Accident Benefit

2. Family Income Benefit

30%SV YES 80C, 10(10)D 1. Accident Benefit

 2. Family Income Benefit

30%SV YES 80C, 10(10)D 1. Accident Benefit

2. Family Income Benefit

30%SV YES 80C, 10(10)D 1. Accident Benefit

2. Family Income Benefit

30%SV YES 80C, 10(10)D 1. Accident Benefit

35%SV YES 80C, 10(10)D 1.Premium-12yrs, Term-15yrs

2. Payouts from 6th yr for 10 yrs @110%SA
3. Accident Death Benefit

30%SV NO 80C, 80D, 10(10)D 1. Sum assured payable at maturity with bonuses + death
2. Accidental Death, Disability
3. Critical Illness
4. 2% rebate for female lives
Paying Term,

her exclusions
/premium payment
COMPANY PRODUCT MAIN FEATURE AGE GROUP

1. Bajaj Allianz 1. InvestGain Growth, Liquidity, Returns ENTRY

MATURITY

2. SaveCare Economy SP 10 yr Single Premium ENTRY

MATURITY

9. HDFC Standard 1. Endowment Assurance Growth, Liquidity, Returns ENTRY

MATURITY

2. Assurance Plan Growth, Liquidity, Returns ENTRY

MATURITY

3. Savings Assurance Plan Growth, Liquidity, Returns ENTRY

MATURITY

11. Kotak Old Mutual 3. Premium Return Plan Pure Endowment ENTRY

MATURITY
AGE GROUP TERM (yrs) Min/Max SA MINIMUM PREMIUM

scheme1: 0 to 65 5 to 40 50K,NL Y-5000, HY-2500, Q-1250, M-700

scheme2: 18 to 50
70

0 to 60 10 50K/NL 35300
70

12 to 60 10 to 30 . .
75

18 to 50 10 to 30 Max 5L with limited doc. Y-1800, HY-1000,

60 Q-550, M-200

18 to 50 10 to 30 . Y-1800, HY-1000,
60 Q-550, M-200

18/50 10 100% 5882

15 111% 5882
20 125% 8824
60/65/70
INCREASE IN SA PREMIUM PAYING MODE DEATH BENEFIT

YES on marriage, Yearly, Half Yearly, Quaterly, Monthly 1/2/3/4 times protection
childbirth 1&2

NO Single Sum Assured + Bonuses

NO . Sum Assured

NO Yearly, Half Yearly, Quaterly, Monthly Sum Assured(80% for 1st yr)

NO Yearly, Half Yearly, Quaterly, Monthly Sum Assured(80% for 1st yr)

NO Yearly, Half Yearly, Quaterly, Monthly Sum Assured - Premium Unpaid

REVIVAL PERIOD LOANS SURRENDER PROFIT SHARING TAX

. 90%SV 30-60% YES 80C, 80D, 10(10)D

. 90%SV 60-70% YES with g. returns 80C, 10(10)D

. . 50% YES 80C, 80D, 10(10)D

NO 50% YES 80C,10(10)D

. NO 50% YES 80C,10(10)D

2 . 70% NO 80C,10(10)D
RIDERS/ADDITIONAL BENEFITS AVAILABLE

1. Family Income Benefit

2. Accidental Death/Disability/Premium Waiver
3. Critical Illness
4. Hospital Cash
5. MahilaGain Rider

1. Accidental Death Benefit

2. Critical Illness
3. Additional Term
4. Waiver of Premium

1. No medical examination

1. No medical examination
2. Automatically invested from bank a/c
3. Min. premium per month is 200

1. No medical test
COMPANY PRODUCT MAIN FEATURE AGE GROUP

1. Bajaj Allianz 1. InvestGain Growth, Liquidity, Returns ENTRY

MATURITY

3. Life Time Care Growth, Liquidity, Returns ENTRY

MATURITY

7. Reliance Life 1. Endowment Plan Growth, Liquidity, Returns ENTRY

MATURITY

2. Special Endowment Plan Growth, Liquidity, Returns ENTRY

MATURITY

8. Tata AIG 1. Golden Years Plan Growth, Liquidity, Returns ENTRY

MATURITY

9. HDFC Standard 1. Endowment Assurance Growth, Liquidity, Returns ENTRY

MATURITY

12. Max New York Life 1. 20yr Endowment(Par) Growth, Liquidity, Returns ENTRY
MATURITY
13. Met Life 1. Suvidha Growth, Liquidity, Returns ENTRY
MATURITY

3. Saral Growth, Liquidity, Returns ENTRY

MATURITY
AGE GROUP TERM (yrs) Min/Max SA MINIMUM PREMIUM

scheme1: 0 to 65 5 to 40 50K,NL Y-5000, HY-2500, Q-1250, M-700

scheme2: 18 to 50
70

scheme1: 15 to 65 Y-1500, HY-800, Q-450, M-150

scheme2: 18 to 50
80

5 to 65 10 to 70 less than 18: 25K to 5L Y-2000, HY-1500, Q-750, M-250

18 to 75 less than 18: 25K to NL

12 to 65 10 to 40 25K/NL .
22 to 75

18 to 50 25K/NL .
60

12 to 60 10 to 30 . .
75

20 to 50 20 1L/5CR .
70
15 to 70 participating: 15 to 30 75000/NL 2500
75 non participating:5 to 30

15 to 50 5,10 1L/1L .
60
INCREASE IN SA PREMIUM PAYING MODE

YES on marriage, Yearly, Half Yearly, Quaterly, Monthly

childbirth 1&2

YES on marriage, Regular

childbirth 1&2

NO Yearly, Half Yearly, Quaterly, Monthly

NO Yearly, Half Yearly, Quaterly, Monthly

NO .

NO .

NO, decrease if riders utilized 1. Regular

YES,from bonuses 2. From Bonuses declared
NO Single,Limited,Regular

NO Yearly. Half Yearly

DEATH BENEFIT REVIVAL PERIOD LOANS SURRENDER PROFIT SHARING

1/2/3/4 times protection . 90%SV 30-60% YES

. . 90%SV YES after 3yrs YES

Sum Assured+Bonuses . After 3yrs 30% YES

Sum Assured over extended 5yrs . 90%SV 30% YES

Sum Assured+Bonuses 5 . 30% YES

Sum Assured . . 50% YES

Sum Assured + Bonuses . 90%SV . YES

Sum Assured + Bonuses* 3 90%SV 30% YES

1L . . NO NO
TAX RIDERS/ADDITIONAL BENEFITS AVAILABLE

80C, 80D, 10(10)D 1. Family Income Benefit

2. Accidental Death/Disability/Premium Waiver
3. Critical Illness
4. Hospital Cash
5. MahilaGain Rider

80C, 80D, 10(10)D 1. Economy

2. Accidental Death/Disability/Premium Waiver
3. Critical Illness
4. Hospital Cash
5. Total
6. Discount to women

80C, 80D, 10(10)D 1. Term Rider

2. Accidental Death, Disability & Dismemberment
3. Critical Conditions
4. Inbuilt waiver of premium

80C, 80D, 10(10)D 1. Accidental Death, Disability & Dismemberment

2. Critical Conditions
3. Compounded bonuses paid
4. Inbuilt waiver of premium
6. Payor Benefit(for juvenile)

80C, 80D, 10(10)D 1. 10% extra payout in case of death/10yrs

2. Accidental Benefit
3. Critical Illness
4. Term Benefits
5. Waiver of Premium

80C, 80D, 10(10)D 1. Accidental Death Benefit

2. Critical Illness
3. Additional Term
4. Waiver of Premium

80C,10(10)D 1. Accident Death Benefit

2. Waiver of premium
3. Term Rider
 4. Term R&C Rider(convertibility)
5. Bonus can be used for increasing SA/cash payout/premium payment

80C, 80D, 10(10)D 1. Participating/Non-participating options available

2. Accident Benefit
3. Waiver of premium
4. Term Rider
5. Critical Illness

80C, 80D, 10(10)D 1. No medical tests

2. SA=1L
3. Accident Death Benefit
4. Waiver of premium
5. Term Rider
6. Critical Illness