It is a single premium, non-linked, with-profits, savings cum protection plan wherein the risk cover is ten times of Tabular Single Premium.

Provision of Future Expenses

It gives a lump sum amount at the end of term i.e. 12 Years, to take care of important milestones in your life like children’s education, and children’s marriage by paying premium amount in Single Instalment.

Guaranteed Risk Cover in case of Death

Guaranteed Sum Assured with Loyalty Addition will be payable in case of Unfortunate death. This will help the family to fulfil their needs in the absence of bread winner.

Liquidity in the form of Loan

Fulfil financial needs by exercising loan facility on policy immediately after three months. Loan Facility is available at very concessional rate.

Option to get Claim amount in installment

An option to receive claim amount (i.e. Maturity Benefit or Death Benefit) in instalments over the chosen period of 5 or 10 or 15 years instead of lump sum amount either in absolute value or as a percentage of the total claim proceeds payable.


Avail Tax benefit on premium paid
Tax Free maturity amount
Tension Free Claim Settlement

Conditions -

Minimum Age At Entry -6 years (completed)
Maximum Age At Entry -47 years (nearer birthday)
Mode of premium paymentSingle premium only
Minimum Basic Sum Assured₹ 75,000/-
Maximum Basic Sum AssuredNo Limit
Policy Term12 years

Basic Sum Assured shall be in multiples of :

₹ 5,000/- if Basic Sum Assured under a policy is below ₹ 3,00,000/-

₹ 20,000/- if Basic Sum Assured under a policy is ₹ 3,00,000/- and above

DAB Conditions :

Minimum Entry Age18 years (Completed)
Maximum Entry Age47 years (nearest birthday)
Maximum Cover Ceasing AgeAs per Base Plan
Minimum Accident Benefit Sum Assured₹ 10,000/-
Maximum Accident Benefit Sum Assured₹ 1,00,00,000/-

The Accident Benefit Sum Assured shall be in multiples of ₹ 10,000/- only.


High Basic Sum Assured Rebate:

Mode Of PensionMinimum Purchase Price
₹ 75,000/- to ₹ 1,45,000/-Nil
₹ 1,50,000 to ₹ 2,95,000₹ 15.00
₹ 3,00,000 to ₹ 4,80,000₹ 20.00
₹ 5,00,000 and above₹ 25.00

Benefit -

Death Benefit -

On death during first five policy years: Before the date of commencement of risk:

Refund of Single Premium exclude any taxes, extra premium chargeable under the policy without interest.

After the date of commencement of risk:

"Sum Assured on Death" shall be payable.

On death after completion of five policy years but before the stipulated Date of Maturity:

"Sum Assured on Death" equal to 10 times the Tabular Single Premium along with Loyalty Addition, if any, shall be payable.

Where "Sum Assured on Death" is defined as the highest of

    • 125% of the single premium; or
    • Basic Sum Assured ; or
    • 10 times of Tabular Single Premium


Basic Sum Assured along with Loyalty Addition, if any, shall be payable.